Home > Neighborhood National Bank > Performance and Condition Ratios
Neighborhood National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8839% | 1,360 |
| Cost of funding earning assets | 2.6582% | 643 |
| Net interest margin | 3.2256% | 2,954 |
| Noninterest income to average assets | 0.5100% | 1,697 |
| Noninterest expense to average assets | 3.4205% | 647 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 0.0569% | 4,110 |
| Return on assets (ROA) | 0.0569% | 4,139 |
| Pretax return on assets | 0.0569% | 4,142 |
| Return on Equity (ROE) | 0.4600% | 4,141 |
| Retained earnings to average equity (ytd only) | 0.4625% | 3,587 |
| Net charge-offs to loans | -0.0058% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 98.3627% | 290 |
| Assets per employee ($millions) | 6.8156% | 2,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 1,625 |
| Loan loss allowance to noncurrent loans | 114.6794% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8746% | 858 |
| Noncurrent loans to loans | 1.1495% | 933 |
| Net loans and leases to total assets | 75.0800% | 1,199 |
| Net loans and leases to deposits | 91.0286% | 1,011 |
| Net loans and leases to core deposits | 100.8467% | 1,313 |
| Total domestic deposits to total assets | 82.4800% | 3,220 |
| Equity capital to assets | 11.7938% | 1,312 |
| Core capital (leverage) ratio | 12.5606% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $182,663,000 | 3,134 |
| Average earning assets | $167,781,000 | 3,146 |
| Average equity | $22,487,000 | 2,858 |
| Average total loans | $137,417,500 | 2,873 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9538% | 1,351 |
| Cost of funding earning assets | 2.6832% | 862 |
| Net interest margin | 3.2707% | 2,568 |
| Noninterest income to average assets | 0.3800% | 2,571 |
| Noninterest expense to average assets | 4.0847% | 358 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | -0.6988% | 4,373 |
| Return on assets (ROA) | -0.6988% | 4,404 |
| Pretax return on assets | -0.6988% | 4,387 |
| Return on Equity (ROE) | -5.3900% | 4,355 |
| Retained earnings to average equity (ytd only) | -5.3927% | 4,298 |
| Net charge-offs to loans | -0.0025% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 119.1778% | 134 |
| Assets per employee ($millions) | 6.2318% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 1,085 |
| Loan loss allowance to noncurrent loans | 78.2093% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.4018% | 413 |
| Noncurrent loans to loans | 1.8867% | 438 |
| Net loans and leases to total assets | 73.2000% | 1,519 |
| Net loans and leases to deposits | 91.3380% | 1,100 |
| Net loans and leases to core deposits | 101.4044% | 1,367 |
| Total domestic deposits to total assets | 80.1400% | 3,550 |
| Equity capital to assets | 12.8759% | 917 |
| Core capital (leverage) ratio | 13.3997% | 943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $158,985,400 | 3,282 |
| Average earning assets | $148,257,400 | 3,264 |
| Average equity | $20,602,000 | 2,930 |
| Average total loans | $120,697,800 | 2,990 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9663% | 1,296 |
| Cost of funding earning assets | 2.7180% | 811 |
| Net interest margin | 3.2483% | 2,572 |
| Noninterest income to average assets | 0.4000% | 2,420 |
| Noninterest expense to average assets | 4.1423% | 341 |
| Loan and lease loss provision to assets | 0.0400% | 2,180 |
| Net operating income to assets | -0.7453% | 4,421 |
| Return on assets (ROA) | -0.7453% | 4,449 |
| Pretax return on assets | -0.7435% | 4,436 |
| Return on Equity (ROE) | -5.7400% | 4,402 |
| Retained earnings to average equity (ytd only) | -5.7409% | 4,355 |
| Net charge-offs to loans | -0.0023% | 3,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 120.6258% | 132 |
| Assets per employee ($millions) | 5.8423% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 888 |
| Loan loss allowance to noncurrent loans | 77.6541% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 1.4844% | 348 |
| Noncurrent loans to loans | 2.0282% | 378 |
| Net loans and leases to total assets | 72.0400% | 1,604 |
| Net loans and leases to deposits | 90.2448% | 1,225 |
| Net loans and leases to core deposits | 94.9974% | 1,822 |
| Total domestic deposits to total assets | 79.8200% | 3,493 |
| Equity capital to assets | 13.3969% | 860 |
| Core capital (leverage) ratio | 14.0735% | 794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4792% | 641 |
| Memoranda: | ||
| Average total assets | $155,109,500 | 3,318 |
| Average earning assets | $144,810,750 | 3,305 |
| Average equity | $20,135,750 | 2,963 |
| Average total loans | $118,462,000 | 3,007 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 2 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8854% | 1,328 |
| Cost of funding earning assets | 2.6294% | 882 |
| Net interest margin | 3.2561% | 2,519 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 4.0083% | 370 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | -0.7038% | 4,434 |
| Return on assets (ROA) | -0.7038% | 4,462 |
| Pretax return on assets | -0.7011% | 4,451 |
| Return on Equity (ROE) | -5.4900% | 4,420 |
| Retained earnings to average equity (ytd only) | -5.4871% | 4,333 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 121.1987% | 133 |
| Assets per employee ($millions) | 5.4643% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 820 |
| Loan loss allowance to noncurrent loans | 73.6984% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.6948% | 256 |
| Noncurrent loans to loans | 2.1993% | 321 |
| Net loans and leases to total assets | 75.8100% | 1,200 |
| Net loans and leases to deposits | 95.4430% | 836 |
| Net loans and leases to core deposits | 100.5191% | 1,451 |
| Total domestic deposits to total assets | 79.4300% | 3,535 |
| Equity capital to assets | 15.0477% | 566 |
| Core capital (leverage) ratio | 14.9254% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8019% | 545 |
| Memoranda: | ||
| Average total assets | $150,337,000 | 3,366 |
| Average earning assets | $142,011,333 | 3,332 |
| Average equity | $19,281,667 | 2,997 |
| Average total loans | $116,616,000 | 3,025 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6391% | 1,564 |
| Cost of funding earning assets | 2.5015% | 989 |
| Net interest margin | 3.1376% | 2,700 |
| Noninterest income to average assets | 0.2500% | 3,278 |
| Noninterest expense to average assets | 3.8844% | 392 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | -0.6657% | 4,488 |
| Return on assets (ROA) | -0.6657% | 4,473 |
| Pretax return on assets | -0.6657% | 4,456 |
| Return on Equity (ROE) | -5.7000% | 4,434 |
| Retained earnings to average equity (ytd only) | -5.6975% | 4,164 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 120.6839% | 118 |
| Assets per employee ($millions) | 5.3990% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 796 |
| Loan loss allowance to noncurrent loans | 71.4286% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.7688% | 213 |
| Noncurrent loans to loans | 2.2837% | 260 |
| Net loans and leases to total assets | 76.1900% | 1,047 |
| Net loans and leases to deposits | 96.7802% | 660 |
| Net loans and leases to core deposits | 104.2428% | 1,201 |
| Total domestic deposits to total assets | 78.7300% | 3,706 |
| Equity capital to assets | 11.4386% | 1,327 |
| Core capital (leverage) ratio | 11.9819% | 1,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1917% | 1,056 |
| Memoranda: | ||
| Average total assets | $149,005,500 | 3,386 |
| Average earning assets | $140,874,000 | 3,360 |
| Average equity | $17,411,000 | 3,132 |
| Average total loans | $115,973,500 | 3,036 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2327% | 1,606 |
| Cost of funding earning assets | 1.6431% | 1,590 |
| Net interest margin | 3.5897% | 1,987 |
| Noninterest income to average assets | 0.6200% | 1,451 |
| Noninterest expense to average assets | 4.2262% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.2308% | 4,470 |
| Return on assets (ROA) | -0.2308% | 4,456 |
| Pretax return on assets | -0.2284% | 4,437 |
| Return on Equity (ROE) | -1.9100% | 4,416 |
| Retained earnings to average equity (ytd only) | -1.9062% | 4,264 |
| Net charge-offs to loans | -0.0704% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 105.7137% | 138 |
| Assets per employee ($millions) | 5.8820% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6621% | 734 |
| Loan loss allowance to noncurrent loans | 70.0037% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.8545% | 165 |
| Noncurrent loans to loans | 2.3743% | 212 |
| Net loans and leases to total assets | 76.8100% | 1,000 |
| Net loans and leases to deposits | 94.4515% | 906 |
| Net loans and leases to core deposits | 101.5254% | 1,354 |
| Total domestic deposits to total assets | 81.3200% | 3,253 |
| Equity capital to assets | 11.9211% | 1,154 |
| Core capital (leverage) ratio | 12.8504% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5346% | 989 |
| Memoranda: | ||
| Average total assets | $126,521,600 | 3,581 |
| Average earning assets | $118,924,600 | 3,558 |
| Average equity | $15,318,400 | 3,240 |
| Average total loans | $93,720,400 | 3,246 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1103% | 1,615 |
| Cost of funding earning assets | 1.4596% | 1,712 |
| Net interest margin | 3.6507% | 1,883 |
| Noninterest income to average assets | 0.7500% | 1,046 |
| Noninterest expense to average assets | 4.3276% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.1428% | 4,486 |
| Return on assets (ROA) | -0.1428% | 4,470 |
| Pretax return on assets | -0.1417% | 4,459 |
| Return on Equity (ROE) | -1.1700% | 4,435 |
| Retained earnings to average equity (ytd only) | -1.1739% | 4,269 |
| Net charge-offs to loans | -0.0980% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 103.3849% | 141 |
| Assets per employee ($millions) | 5.4091% | 3,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9262% | 450 |
| Loan loss allowance to noncurrent loans | 109.2730% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3457% | 304 |
| Noncurrent loans to loans | 1.7627% | 375 |
| Net loans and leases to total assets | 74.8700% | 1,252 |
| Net loans and leases to deposits | 92.1991% | 1,036 |
| Net loans and leases to core deposits | 92.8837% | 1,744 |
| Total domestic deposits to total assets | 81.2100% | 3,349 |
| Equity capital to assets | 13.0659% | 800 |
| Core capital (leverage) ratio | 13.9375% | 839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9816% | 701 |
| Memoranda: | ||
| Average total assets | $121,389,500 | 3,649 |
| Average earning assets | $114,092,750 | 3,618 |
| Average equity | $14,765,500 | 3,284 |
| Average total loans | $88,436,750 | 3,310 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 1,540 |
| Cost of funding earning assets | 1.2863% | 1,751 |
| Net interest margin | 3.7264% | 1,768 |
| Noninterest income to average assets | 0.2800% | 3,229 |
| Noninterest expense to average assets | 4.3802% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.5920% | 4,573 |
| Return on assets (ROA) | -0.5920% | 4,569 |
| Pretax return on assets | -0.5903% | 4,560 |
| Return on Equity (ROE) | -5.0000% | 4,542 |
| Retained earnings to average equity (ytd only) | -5.0024% | 4,418 |
| Net charge-offs to loans | -0.1532% | 4,570 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 115.5763% | 78 |
| Assets per employee ($millions) | 5.6043% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1470% | 334 |
| Loan loss allowance to noncurrent loans | 114.0466% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.3569% | 280 |
| Noncurrent loans to loans | 1.8826% | 311 |
| Net loans and leases to total assets | 70.5300% | 1,687 |
| Net loans and leases to deposits | 85.9686% | 1,504 |
| Net loans and leases to core deposits | 86.8513% | 2,010 |
| Total domestic deposits to total assets | 82.0400% | 3,223 |
| Equity capital to assets | 11.1360% | 1,328 |
| Core capital (leverage) ratio | 11.7674% | 1,487 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5241% | 879 |
| Memoranda: | ||
| Average total assets | $118,579,667 | 3,691 |
| Average earning assets | $111,796,333 | 3,654 |
| Average equity | $14,033,333 | 3,351 |
| Average total loans | $84,879,333 | 3,366 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 1,095 |
| Cost of funding earning assets | 1.0811% | 1,802 |
| Net interest margin | 4.0140% | 1,239 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 4.3812% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.3373% | 4,570 |
| Return on assets (ROA) | -0.3373% | 4,558 |
| Pretax return on assets | -0.3373% | 4,548 |
| Return on Equity (ROE) | -2.7600% | 4,520 |
| Retained earnings to average equity (ytd only) | -2.7635% | 4,237 |
| Net charge-offs to loans | -0.3089% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 108.3404% | 110 |
| Assets per employee ($millions) | 5.3934% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2166% | 312 |
| Loan loss allowance to noncurrent loans | 104.6053% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.5372% | 206 |
| Noncurrent loans to loans | 2.1190% | 255 |
| Net loans and leases to total assets | 70.9400% | 1,529 |
| Net loans and leases to deposits | 83.0220% | 1,574 |
| Net loans and leases to core deposits | 83.6607% | 2,008 |
| Total domestic deposits to total assets | 85.4500% | 2,739 |
| Equity capital to assets | 11.7763% | 1,066 |
| Core capital (leverage) ratio | 12.0934% | 1,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5219% | 790 |
| Memoranda: | ||
| Average total assets | $116,223,000 | 3,759 |
| Average earning assets | $109,517,000 | 3,726 |
| Average equity | $14,185,000 | 3,371 |
| Average total loans | $82,885,500 | 3,419 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 2,515 |
| Cost of funding earning assets | 0.4952% | 1,425 |
| Net interest margin | 3.2084% | 2,850 |
| Noninterest income to average assets | 0.3500% | 3,007 |
| Noninterest expense to average assets | 3.8703% | 361 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | -0.5435% | 4,645 |
| Return on assets (ROA) | -0.5435% | 4,636 |
| Pretax return on assets | -0.5410% | 4,629 |
| Return on Equity (ROE) | -4.7500% | 4,624 |
| Retained earnings to average equity (ytd only) | -4.7516% | 4,567 |
| Net charge-offs to loans | -0.0014% | 3,392 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 114.2385% | 74 |
| Assets per employee ($millions) | 5.1724% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9262% | 497 |
| Loan loss allowance to noncurrent loans | 79.9896% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.6864% | 171 |
| Noncurrent loans to loans | 2.4080% | 196 |
| Net loans and leases to total assets | 68.6800% | 1,767 |
| Net loans and leases to deposits | 81.4017% | 1,664 |
| Net loans and leases to core deposits | 82.2887% | 1,988 |
| Total domestic deposits to total assets | 84.3800% | 3,131 |
| Equity capital to assets | 12.6520% | 773 |
| Core capital (leverage) ratio | 12.1961% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3049% | 458 |
| Memoranda: | ||
| Average total assets | $116,089,400 | 3,763 |
| Average earning assets | $110,056,000 | 3,723 |
| Average equity | $13,279,600 | 3,542 |
| Average total loans | $70,693,000 | 3,568 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 3,137 |
| Cost of funding earning assets | 0.4404% | 1,028 |
| Net interest margin | 2.8749% | 3,558 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 3.8320% | 367 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | -0.7509% | 4,699 |
| Return on assets (ROA) | -0.7509% | 4,688 |
| Pretax return on assets | -0.7474% | 4,679 |
| Return on Equity (ROE) | -6.7400% | 4,677 |
| Retained earnings to average equity (ytd only) | -6.7382% | 4,635 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 121.2658% | 66 |
| Assets per employee ($millions) | 5.4237% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1141% | 401 |
| Loan loss allowance to noncurrent loans | 76.1053% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.6870% | 185 |
| Noncurrent loans to loans | 2.7779% | 179 |
| Net loans and leases to total assets | 59.4500% | 2,563 |
| Net loans and leases to deposits | 69.5200% | 2,409 |
| Net loans and leases to core deposits | 70.0583% | 2,639 |
| Total domestic deposits to total assets | 85.5100% | 3,172 |
| Equity capital to assets | 12.0363% | 880 |
| Core capital (leverage) ratio | 11.9664% | 1,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2407% | 420 |
| Memoranda: | ||
| Average total assets | $116,663,750 | 3,785 |
| Average earning assets | $110,794,250 | 3,743 |
| Average equity | $13,000,250 | 3,614 |
| Average total loans | $68,443,250 | 3,613 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0516% | 3,425 |
| Cost of funding earning assets | 0.4310% | 758 |
| Net interest margin | 2.6206% | 3,872 |
| Noninterest income to average assets | 0.5338% | 2,026 |
| Noninterest expense to average assets | 3.7987% | 324 |
| Loan and lease loss provision to assets | 0.1123% | 892 |
| Net operating income to assets | -0.8931% | 4,710 |
| Return on assets (ROA) | -0.8931% | 4,703 |
| Pretax return on assets | -0.8879% | 4,696 |
| Return on Equity (ROE) | -8.2415% | 4,711 |
| Retained earnings to average equity (ytd only) | -8.2415% | 4,629 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.6571% | 66 |
| Assets per employee ($millions) | 5.9514% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1168% | 434 |
| Loan loss allowance to noncurrent loans | 72.8483% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 1.7668% | 181 |
| Noncurrent loans to loans | 2.9057% | 175 |
| Net loans and leases to total assets | 59.5176% | 2,377 |
| Net loans and leases to deposits | 70.3817% | 2,162 |
| Net loans and leases to core deposits | 71.1966% | 2,399 |
| Total domestic deposits to total assets | 84.5640% | 3,573 |
| Equity capital to assets | 12.1720% | 826 |
| Core capital (leverage) ratio | 12.5948% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1827% | 416 |
| Memoranda: | ||
| Average total assets | $115,777,667 | 3,838 |
| Average earning assets | $109,976,333 | 3,806 |
| Average equity | $12,546,333 | 3,729 |
| Average total loans | $67,102,333 | 3,671 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0038% | 3,246 |
| Cost of funding earning assets | 0.4165% | 793 |
| Net interest margin | 2.5873% | 3,690 |
| Noninterest income to average assets | 0.2768% | 3,484 |
| Noninterest expense to average assets | 3.9526% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -1.2159% | 4,745 |
| Return on assets (ROA) | -1.2159% | 4,742 |
| Pretax return on assets | -1.2159% | 4,739 |
| Return on Equity (ROE) | -11.9908% | 4,755 |
| Retained earnings to average equity (ytd only) | -11.9908% | 4,597 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.4302% | 47 |
| Assets per employee ($millions) | 5.2702% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1861% | 449 |
| Loan loss allowance to noncurrent loans | 67.6349% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.7894% | 174 |
| Noncurrent loans to loans | 3.2322% | 150 |
| Net loans and leases to total assets | 54.1509% | 2,740 |
| Net loans and leases to deposits | 68.9427% | 2,057 |
| Net loans and leases to core deposits | 69.7857% | 2,308 |
| Total domestic deposits to total assets | 78.5447% | 4,374 |
| Equity capital to assets | 10.0276% | 1,867 |
| Core capital (leverage) ratio | 11.3516% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2435% | 620 |
| Memoranda: | ||
| Average total assets | $114,153,000 | 3,873 |
| Average earning assets | $108,529,500 | 3,830 |
| Average equity | $11,575,500 | 3,900 |
| Average total loans | $64,466,500 | 3,728 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7262% | 2,040 |
| Cost of funding earning assets | 0.4533% | 1,179 |
| Net interest margin | 3.2729% | 2,397 |
| Noninterest income to average assets | 1.2806% | 650 |
| Noninterest expense to average assets | 3.8477% | 337 |
| Loan and lease loss provision to assets | 0.1671% | 698 |
| Net operating income to assets | 0.3876% | 4,297 |
| Return on assets (ROA) | 0.3876% | 4,326 |
| Pretax return on assets | 0.3901% | 4,403 |
| Return on Equity (ROE) | 4.2957% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.2957% | 3,091 |
| Net charge-offs to loans | -0.1398% | 4,656 |
| Credit loss provision to net charge-offs | -204.0816% | 3,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3507% | 411 |
| Assets per employee ($millions) | 4.2836% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3727% | 340 |
| Loan loss allowance to noncurrent loans | 65.1421% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 2.1029% | 147 |
| Noncurrent loans to loans | 3.6424% | 134 |
| Net loans and leases to total assets | 56.3633% | 2,559 |
| Net loans and leases to deposits | 68.5652% | 2,254 |
| Net loans and leases to core deposits | 69.4703% | 2,508 |
| Total domestic deposits to total assets | 82.2039% | 3,933 |
| Equity capital to assets | 10.2679% | 2,405 |
| Core capital (leverage) ratio | 10.6687% | 1,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9515% | 564 |
| Memoranda: | ||
| Average total assets | $119,708,600 | 3,805 |
| Average earning assets | $114,271,000 | 3,758 |
| Average equity | $10,801,600 | 4,058 |
| Average total loans | $70,085,000 | 3,645 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5059% | 2,822 |
| Cost of funding earning assets | 0.4496% | 1,352 |
| Net interest margin | 3.0563% | 3,160 |
| Noninterest income to average assets | 1.6028% | 485 |
| Noninterest expense to average assets | 3.6766% | 381 |
| Loan and lease loss provision to assets | 0.2173% | 455 |
| Net operating income to assets | 0.6272% | 3,959 |
| Return on assets (ROA) | 0.6272% | 4,010 |
| Pretax return on assets | 0.6305% | 4,190 |
| Return on Equity (ROE) | 7.1668% | 3,626 |
| Retained earnings to average equity (ytd only) | 7.1668% | 2,354 |
| Net charge-offs to loans | -0.0647% | 4,454 |
| Credit loss provision to net charge-offs | -571.4286% | 3,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2665% | 685 |
| Assets per employee ($millions) | 4.6396% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0337% | 595 |
| Loan loss allowance to noncurrent loans | 55.2756% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 2.1898% | 155 |
| Noncurrent loans to loans | 3.6791% | 154 |
| Net loans and leases to total assets | 58.3102% | 2,446 |
| Net loans and leases to deposits | 80.9377% | 1,198 |
| Net loans and leases to core deposits | 82.0622% | 1,568 |
| Total domestic deposits to total assets | 72.0433% | 4,682 |
| Equity capital to assets | 9.5181% | 3,348 |
| Core capital (leverage) ratio | 10.9422% | 1,710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2233% | 470 |
| Memoranda: | ||
| Average total assets | $122,863,000 | 3,813 |
| Average earning assets | $117,435,750 | 3,761 |
| Average equity | $10,753,000 | 4,117 |
| Average total loans | $72,149,500 | 3,664 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8442% | 4,293 |
| Cost of funding earning assets | 0.4404% | 1,591 |
| Net interest margin | 2.4038% | 4,413 |
| Noninterest income to average assets | 1.9096% | 356 |
| Noninterest expense to average assets | 3.5716% | 423 |
| Loan and lease loss provision to assets | 0.3196% | 254 |
| Net operating income to assets | 0.3164% | 4,509 |
| Return on assets (ROA) | 0.3164% | 4,532 |
| Pretax return on assets | 0.3212% | 4,569 |
| Return on Equity (ROE) | 3.7158% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.7158% | 3,614 |
| Net charge-offs to loans | -0.0820% | 4,561 |
| Credit loss provision to net charge-offs | -666.6667% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7876% | 517 |
| Assets per employee ($millions) | 5.3288% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 1,088 |
| Loan loss allowance to noncurrent loans | 53.5837% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9584% | 219 |
| Noncurrent loans to loans | 3.1517% | 223 |
| Net loans and leases to total assets | 61.0904% | 2,295 |
| Net loans and leases to deposits | 94.1857% | 451 |
| Net loans and leases to core deposits | 95.7312% | 819 |
| Total domestic deposits to total assets | 64.8616% | 4,836 |
| Equity capital to assets | 7.9951% | 4,539 |
| Core capital (leverage) ratio | 10.3305% | 2,092 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4270% | 407 |
| Memoranda: | ||
| Average total assets | $125,154,000 | 3,793 |
| Average earning assets | $119,891,333 | 3,732 |
| Average equity | $10,657,333 | 4,141 |
| Average total loans | $73,186,667 | 3,667 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9730% | 4,142 |
| Cost of funding earning assets | 0.4794% | 1,522 |
| Net interest margin | 2.4936% | 4,308 |
| Noninterest income to average assets | 3.1638% | 190 |
| Noninterest expense to average assets | 3.7714% | 343 |
| Loan and lease loss provision to assets | 0.3302% | 262 |
| Net operating income to assets | 1.4498% | 1,445 |
| Return on assets (ROA) | 1.4498% | 1,510 |
| Pretax return on assets | 1.4498% | 2,139 |
| Return on Equity (ROE) | 16.4720% | 933 |
| Retained earnings to average equity (ytd only) | 16.4720% | 469 |
| Net charge-offs to loans | 0.0409% | 1,052 |
| Credit loss provision to net charge-offs | 1,428.5714% | 331 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 720 |
| Efficiency ratio | 67.9358% | 1,941 |
| Assets per employee ($millions) | 5.1739% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 1,249 |
| Loan loss allowance to noncurrent loans | 46.4141% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 2.1021% | 233 |
| Noncurrent loans to loans | 3.4772% | 196 |
| Net loans and leases to total assets | 59.4768% | 2,605 |
| Net loans and leases to deposits | 86.8631% | 897 |
| Net loans and leases to core deposits | 88.2511% | 1,348 |
| Total domestic deposits to total assets | 68.4719% | 4,795 |
| Equity capital to assets | 8.4153% | 4,185 |
| Core capital (leverage) ratio | 10.5433% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8862% | 326 |
| Memoranda: | ||
| Average total assets | $121,121,500 | 3,842 |
| Average earning assets | $115,978,000 | 3,782 |
| Average equity | $10,660,500 | 4,152 |
| Average total loans | $68,389,000 | 3,768 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 3,476 |
| Cost of funding earning assets | 0.6140% | 2,214 |
| Net interest margin | 3.1240% | 3,573 |
| Noninterest income to average assets | 0.5814% | 2,296 |
| Noninterest expense to average assets | 5.3074% | 169 |
| Loan and lease loss provision to assets | 0.2356% | 1,651 |
| Net operating income to assets | -2.0157% | 4,961 |
| Return on assets (ROA) | -2.0157% | 4,961 |
| Pretax return on assets | -2.0129% | 4,960 |
| Return on Equity (ROE) | -20.0315% | 4,973 |
| Retained earnings to average equity (ytd only) | -20.0315% | 4,960 |
| Net charge-offs to loans | 0.4783% | 342 |
| Credit loss provision to net charge-offs | 84.1751% | 2,964 |
| Earnings coverage of net charge-offs (x) | -6.3502% | 3,387 |
| Efficiency ratio | 150.3470% | 37 |
| Assets per employee ($millions) | 3.6418% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9954% | 593 |
| Loan loss allowance to noncurrent loans | 38.3028% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 2.7034% | 155 |
| Noncurrent loans to loans | 5.2096% | 77 |
| Net loans and leases to total assets | 50.8570% | 3,760 |
| Net loans and leases to deposits | 78.9394% | 1,981 |
| Net loans and leases to core deposits | 80.5022% | 2,318 |
| Total domestic deposits to total assets | 64.4254% | 4,876 |
| Equity capital to assets | 9.2440% | 3,846 |
| Core capital (leverage) ratio | 10.8305% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5629% | 332 |
| Memoranda: | ||
| Average total assets | $106,116,600 | 3,915 |
| Average earning assets | $100,161,000 | 3,892 |
| Average equity | $10,678,200 | 4,126 |
| Average total loans | $62,098,800 | 3,883 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3210% | 4,448 |
| Cost of funding earning assets | 0.6295% | 2,434 |
| Net interest margin | 2.6916% | 4,474 |
| Noninterest income to average assets | 0.7074% | 1,777 |
| Noninterest expense to average assets | 5.4751% | 158 |
| Loan and lease loss provision to assets | 0.2557% | 1,590 |
| Net operating income to assets | -2.4937% | 4,995 |
| Return on assets (ROA) | -2.4937% | 4,996 |
| Pretax return on assets | -2.4898% | 4,995 |
| Return on Equity (ROE) | -24.2480% | 5,005 |
| Retained earnings to average equity (ytd only) | -24.2480% | 4,990 |
| Net charge-offs to loans | 0.3239% | 485 |
| Credit loss provision to net charge-offs | 130.7190% | 2,443 |
| Earnings coverage of net charge-offs (x) | -11.4379% | 3,202 |
| Efficiency ratio | 168.9519% | 27 |
| Assets per employee ($millions) | 4.2315% | 4,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6149% | 1,058 |
| Loan loss allowance to noncurrent loans | 44.3937% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 2.1011% | 297 |
| Noncurrent loans to loans | 3.6378% | 207 |
| Net loans and leases to total assets | 56.8242% | 3,542 |
| Net loans and leases to deposits | 100.3116% | 526 |
| Net loans and leases to core deposits | 102.1575% | 1,019 |
| Total domestic deposits to total assets | 56.6477% | 4,949 |
| Equity capital to assets | 7.8379% | 4,766 |
| Core capital (leverage) ratio | 10.6998% | 2,103 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9079% | 334 |
| Memoranda: | ||
| Average total assets | $104,422,000 | 3,934 |
| Average earning assets | $98,279,750 | 3,913 |
| Average equity | $10,738,750 | 4,118 |
| Average total loans | $62,984,750 | 3,885 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7892% | 3,885 |
| Cost of funding earning assets | 0.6516% | 2,690 |
| Net interest margin | 3.1376% | 3,819 |
| Noninterest income to average assets | 0.7075% | 1,710 |
| Noninterest expense to average assets | 6.1655% | 130 |
| Loan and lease loss provision to assets | 0.4249% | 928 |
| Net operating income to assets | -2.9468% | 5,033 |
| Return on assets (ROA) | -2.9468% | 5,031 |
| Pretax return on assets | -2.9468% | 5,030 |
| Return on Equity (ROE) | -25.6298% | 5,039 |
| Retained earnings to average equity (ytd only) | -25.6298% | 5,022 |
| Net charge-offs to loans | 0.0587% | 1,664 |
| Credit loss provision to net charge-offs | 1,176.4706% | 711 |
| Earnings coverage of net charge-offs (x) | -69.8235% | 3,022 |
| Efficiency ratio | 169.2128% | 32 |
| Assets per employee ($millions) | 4.6045% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 1,052 |
| Loan loss allowance to noncurrent loans | 323.8426% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 3,100 |
| Noncurrent loans to loans | 0.4887% | 2,687 |
| Net loans and leases to total assets | 60.9453% | 3,223 |
| Net loans and leases to deposits | 112.0465% | 194 |
| Net loans and leases to core deposits | 113.7043% | 610 |
| Total domestic deposits to total assets | 54.3929% | 4,991 |
| Equity capital to assets | 7.0919% | 4,958 |
| Core capital (leverage) ratio | 11.2311% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1416% | 442 |
| Memoranda: | ||
| Average total assets | $94,136,333 | 4,067 |
| Average earning assets | $88,092,333 | 4,052 |
| Average equity | $10,823,333 | 4,114 |
| Average total loans | $57,953,333 | 3,979 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9442% | 3,948 |
| Cost of funding earning assets | 0.7462% | 2,687 |
| Net interest margin | 3.1980% | 3,857 |
| Noninterest income to average assets | 1.2029% | 607 |
| Noninterest expense to average assets | 7.8815% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -3.7575% | 5,085 |
| Return on assets (ROA) | -3.7575% | 5,075 |
| Pretax return on assets | -3.7575% | 5,066 |
| Return on Equity (ROE) | -23.4841% | 5,068 |
| Retained earnings to average equity (ytd only) | -23.4841% | 4,996 |
| Net charge-offs to loans | 1.1607% | 130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -5.2903% | 2,520 |
| Efficiency ratio | 191.1111% | 28 |
| Assets per employee ($millions) | 2.2594% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5769% | 223 |
| Loan loss allowance to noncurrent loans | 249.8856% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 2,190 |
| Noncurrent loans to loans | 1.0312% | 1,611 |
| Net loans and leases to total assets | 57.1008% | 3,746 |
| Net loans and leases to deposits | 76.6809% | 3,012 |
| Net loans and leases to core deposits | 78.3218% | 3,331 |
| Total domestic deposits to total assets | 74.4654% | 4,624 |
| Equity capital to assets | 14.9954% | 759 |
| Core capital (leverage) ratio | 16.0194% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4220% | 375 |
| Memoranda: | ||
| Average total assets | $69,834,000 | 4,421 |
| Average earning assets | $63,790,000 | 4,424 |
| Average equity | $11,173,500 | 4,102 |
| Average total loans | $42,733,500 | 4,310 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2729% | 867 |
| Cost of funding earning assets | 0.6391% | 3,458 |
| Net interest margin | 4.6338% | 537 |
| Noninterest income to average assets | 3.2926% | 134 |
| Noninterest expense to average assets | 10.7948% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -3.4803% | 5,153 |
| Return on assets (ROA) | -3.4803% | 5,154 |
| Pretax return on assets | -3.4757% | 5,152 |
| Return on Equity (ROE) | -21.0483% | 5,153 |
| Retained earnings to average equity (ytd only) | -21.0483% | 5,144 |
| Net charge-offs to loans | -0.0518% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.4880% | 46 |
| Assets per employee ($millions) | 1.8207% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8220% | 152 |
| Loan loss allowance to noncurrent loans | 2,338.4615% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,253 |
| Noncurrent loans to loans | 0.1207% | 4,047 |
| Net loans and leases to total assets | 62.1590% | 3,384 |
| Net loans and leases to deposits | 84.5922% | 2,267 |
| Net loans and leases to core deposits | 86.5595% | 2,749 |
| Total domestic deposits to total assets | 73.4807% | 4,794 |
| Equity capital to assets | 17.0783% | 458 |
| Core capital (leverage) ratio | 17.2394% | 392 |
| Tier 1 risk-based capital ratio | 27.7552% | 575 |
| Total risk-based capital ratio | 29.0257% | 564 |
| Memoranda: | ||
| Average total assets | $65,541,000 | 4,504 |
| Average earning assets | $56,951,200 | 4,576 |
| Average equity | $10,837,000 | 4,145 |
| Average total loans | $44,367,000 | 4,297 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3381% | 797 |
| Cost of funding earning assets | 0.5844% | 3,761 |
| Net interest margin | 4.7537% | 451 |
| Noninterest income to average assets | 3.8411% | 119 |
| Noninterest expense to average assets | 11.3429% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -3.4252% | 5,229 |
| Return on assets (ROA) | -3.4252% | 5,229 |
| Pretax return on assets | -3.4190% | 5,228 |
| Return on Equity (ROE) | -20.8930% | 5,230 |
| Retained earnings to average equity (ytd only) | -20.8930% | 5,212 |
| Net charge-offs to loans | -0.0507% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.1489% | 48 |
| Assets per employee ($millions) | 1.8919% | 5,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6236% | 195 |
| Loan loss allowance to noncurrent loans | 2,122.8070% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 4,301 |
| Noncurrent loans to loans | 0.1236% | 4,096 |
| Net loans and leases to total assets | 65.9360% | 3,056 |
| Net loans and leases to deposits | 88.3966% | 1,880 |
| Net loans and leases to core deposits | 90.3911% | 2,515 |
| Total domestic deposits to total assets | 74.5911% | 4,777 |
| Equity capital to assets | 15.9272% | 643 |
| Core capital (leverage) ratio | 16.8511% | 458 |
| Tier 1 risk-based capital ratio | 25.8535% | 716 |
| Total risk-based capital ratio | 27.1254% | 699 |
| Memoranda: | ||
| Average total assets | $65,084,750 | 4,572 |
| Average earning assets | $55,898,750 | 4,650 |
| Average equity | $10,670,000 | 4,205 |
| Average total loans | $44,686,250 | 4,341 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3890% | 696 |
| Cost of funding earning assets | 0.5323% | 3,969 |
| Net interest margin | 4.8567% | 369 |
| Noninterest income to average assets | 4.1950% | 109 |
| Noninterest expense to average assets | 12.4789% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -4.1638% | 5,285 |
| Return on assets (ROA) | -4.1638% | 5,285 |
| Pretax return on assets | -4.1544% | 5,285 |
| Return on Equity (ROE) | -25.1445% | 5,283 |
| Retained earnings to average equity (ytd only) | -25.1445% | 5,259 |
| Net charge-offs to loans | -0.0543% | 4,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.9063% | 40 |
| Assets per employee ($millions) | 1.7606% | 5,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5801% | 200 |
| Loan loss allowance to noncurrent loans | 1,943.5484% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 4,284 |
| Noncurrent loans to loans | 0.1328% | 4,080 |
| Net loans and leases to total assets | 69.8422% | 2,551 |
| Net loans and leases to deposits | 96.2880% | 1,007 |
| Net loans and leases to core deposits | 98.4166% | 1,858 |
| Total domestic deposits to total assets | 72.5347% | 4,941 |
| Equity capital to assets | 15.2416% | 756 |
| Core capital (leverage) ratio | 15.6088% | 604 |
| Tier 1 risk-based capital ratio | 23.2448% | 922 |
| Total risk-based capital ratio | 24.5143% | 894 |
| Memoranda: | ||
| Average total assets | $64,076,330 | 4,625 |
| Average earning assets | $54,481,670 | 4,707 |
| Average equity | $10,610,670 | 4,224 |
| Average total loans | $44,208,670 | 4,383 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2853% | 779 |
| Cost of funding earning assets | 0.5072% | 4,029 |
| Net interest margin | 4.7781% | 426 |
| Noninterest income to average assets | 4.2239% | 107 |
| Noninterest expense to average assets | 12.0549% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -3.7392% | 5,340 |
| Return on assets (ROA) | -3.7392% | 5,339 |
| Pretax return on assets | -3.7392% | 5,337 |
| Return on Equity (ROE) | -21.6957% | 5,337 |
| Retained earnings to average equity (ytd only) | -21.6957% | 5,268 |
| Net charge-offs to loans | -0.0559% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.9659% | 41 |
| Assets per employee ($millions) | 1.6312% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6084% | 216 |
| Loan loss allowance to noncurrent loans | 1,789.5522% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,264 |
| Noncurrent loans to loans | 0.1458% | 4,081 |
| Net loans and leases to total assets | 72.2239% | 2,115 |
| Net loans and leases to deposits | 97.6125% | 829 |
| Net loans and leases to core deposits | 99.8305% | 1,638 |
| Total domestic deposits to total assets | 73.9905% | 4,935 |
| Equity capital to assets | 17.1993% | 430 |
| Core capital (leverage) ratio | 16.6536% | 462 |
| Tier 1 risk-based capital ratio | 24.8145% | 769 |
| Total risk-based capital ratio | 26.0838% | 761 |
| Memoranda: | ||
| Average total assets | $63,542,500 | 4,682 |
| Average earning assets | $54,415,500 | 4,761 |
| Average equity | $10,951,500 | 4,200 |
| Average total loans | $42,961,500 | 4,465 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8961% | 1,297 |
| Cost of funding earning assets | 0.3752% | 4,128 |
| Net interest margin | 4.5210% | 733 |
| Noninterest income to average assets | 4.8032% | 95 |
| Noninterest expense to average assets | 10.8333% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -2.2909% | 5,379 |
| Return on assets (ROA) | -2.2909% | 5,377 |
| Pretax return on assets | -2.2875% | 5,374 |
| Return on Equity (ROE) | -13.2042% | 5,366 |
| Retained earnings to average equity (ytd only) | -13.2042% | 5,349 |
| Net charge-offs to loans | -0.6229% | 5,351 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.7671% | 46 |
| Assets per employee ($millions) | 1.6692% | 5,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9858% | 135 |
| Loan loss allowance to noncurrent loans | 1,656.9444% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 4,277 |
| Noncurrent loans to loans | 0.1802% | 3,946 |
| Net loans and leases to total assets | 59.5438% | 3,817 |
| Net loans and leases to deposits | 75.8898% | 3,356 |
| Net loans and leases to core deposits | 78.2506% | 3,556 |
| Total domestic deposits to total assets | 78.4608% | 4,412 |
| Equity capital to assets | 17.2688% | 399 |
| Core capital (leverage) ratio | 18.0057% | 328 |
| Tier 1 risk-based capital ratio | 28.6082% | 532 |
| Total risk-based capital ratio | 29.8809% | 524 |
| Memoranda: | ||
| Average total assets | $58,273,800 | 4,795 |
| Average earning assets | $48,242,000 | 4,890 |
| Average equity | $10,110,400 | 4,281 |
| Average total loans | $38,527,800 | 4,597 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8663% | 1,251 |
| Cost of funding earning assets | 0.3547% | 4,151 |
| Net interest margin | 4.5115% | 722 |
| Noninterest income to average assets | 5.1171% | 93 |
| Noninterest expense to average assets | 11.2972% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -2.4678% | 5,453 |
| Return on assets (ROA) | -2.4678% | 5,450 |
| Pretax return on assets | -2.4631% | 5,448 |
| Return on Equity (ROE) | -14.2047% | 5,440 |
| Retained earnings to average equity (ytd only) | -14.2047% | 5,421 |
| Net charge-offs to loans | -0.0838% | 5,110 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.8815% | 43 |
| Assets per employee ($millions) | 1.4086% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5759% | 216 |
| Loan loss allowance to noncurrent loans | 1,268.8312% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.1302% | 4,312 |
| Noncurrent loans to loans | 0.2030% | 3,989 |
| Net loans and leases to total assets | 62.4594% | 3,607 |
| Net loans and leases to deposits | 80.4367% | 2,992 |
| Net loans and leases to core deposits | 83.2211% | 3,226 |
| Total domestic deposits to total assets | 77.6504% | 4,540 |
| Equity capital to assets | 17.4121% | 388 |
| Core capital (leverage) ratio | 18.0627% | 326 |
| Tier 1 risk-based capital ratio | 26.7021% | 637 |
| Total risk-based capital ratio | 27.9678% | 626 |
| Memoranda: | ||
| Average total assets | $56,567,250 | 4,875 |
| Average earning assets | $46,605,250 | 4,972 |
| Average equity | $9,827,500 | 4,364 |
| Average total loans | $38,170,750 | 4,657 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 918 |
| Cost of funding earning assets | 0.3470% | 4,093 |
| Net interest margin | 4.6033% | 544 |
| Noninterest income to average assets | 4.9548% | 99 |
| Noninterest expense to average assets | 11.3459% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -2.6390% | 5,516 |
| Return on assets (ROA) | -2.6390% | 5,512 |
| Pretax return on assets | -2.6282% | 5,511 |
| Return on Equity (ROE) | -15.2022% | 5,499 |
| Retained earnings to average equity (ytd only) | -15.2022% | 5,475 |
| Net charge-offs to loans | -0.0627% | 4,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.1483% | 53 |
| Assets per employee ($millions) | 1.3517% | 5,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5122% | 242 |
| Loan loss allowance to noncurrent loans | 213.9690% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8341% | 1,792 |
| Noncurrent loans to loans | 1.1741% | 1,481 |
| Net loans and leases to total assets | 69.2609% | 2,683 |
| Net loans and leases to deposits | 89.5414% | 1,904 |
| Net loans and leases to core deposits | 93.5382% | 2,261 |
| Total domestic deposits to total assets | 77.3507% | 4,684 |
| Equity capital to assets | 17.1747% | 389 |
| Core capital (leverage) ratio | 16.6891% | 427 |
| Tier 1 risk-based capital ratio | 23.2656% | 909 |
| Total risk-based capital ratio | 24.5318% | 889 |
| Memoranda: | ||
| Average total assets | $55,703,000 | 4,949 |
| Average earning assets | $45,532,330 | 5,056 |
| Average equity | $9,669,670 | 4,430 |
| Average total loans | $38,251,670 | 4,694 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7412% | 1,205 |
| Cost of funding earning assets | 0.3282% | 4,141 |
| Net interest margin | 4.4131% | 748 |
| Noninterest income to average assets | 5.0813% | 98 |
| Noninterest expense to average assets | 10.8562% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -2.1585% | 5,574 |
| Return on assets (ROA) | -2.1585% | 5,572 |
| Pretax return on assets | -2.1585% | 5,569 |
| Return on Equity (ROE) | -12.3713% | 5,547 |
| Retained earnings to average equity (ytd only) | -12.3713% | 5,414 |
| Net charge-offs to loans | -0.0629% | 5,067 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.8169% | 56 |
| Assets per employee ($millions) | 1.7107% | 5,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4993% | 254 |
| Loan loss allowance to noncurrent loans | 210.3070% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.8330% | 1,903 |
| Noncurrent loans to loans | 1.1884% | 1,537 |
| Net loans and leases to total assets | 68.3418% | 2,723 |
| Net loans and leases to deposits | 89.0145% | 1,809 |
| Net loans and leases to core deposits | 92.9073% | 2,220 |
| Total domestic deposits to total assets | 76.7761% | 4,887 |
| Equity capital to assets | 17.7381% | 336 |
| Core capital (leverage) ratio | 17.1447% | 370 |
| Tier 1 risk-based capital ratio | 24.2042% | 824 |
| Total risk-based capital ratio | 25.4690% | 800 |
| Memoranda: | ||
| Average total assets | $56,520,500 | 4,988 |
| Average earning assets | $46,317,000 | 5,090 |
| Average equity | $9,861,500 | 4,447 |
| Average total loans | $38,171,000 | 4,744 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,030 |
| Cost of funding earning assets | 0.2598% | 4,482 |
| Net interest margin | 4.1378% | 1,330 |
| Noninterest income to average assets | 5.8949% | 92 |
| Noninterest expense to average assets | 9.6675% | 75 |
| Loan and lease loss provision to assets | -0.8489% | 5,664 |
| Net operating income to assets | 0.3122% | 4,906 |
| Return on assets (ROA) | 0.2513% | 5,034 |
| Pretax return on assets | 0.2581% | 5,256 |
| Return on Equity (ROE) | 1.7189% | 5,108 |
| Retained earnings to average equity (ytd only) | 1.7189% | 4,279 |
| Net charge-offs to loans | -0.7119% | 5,622 |
| Credit loss provision to net charge-offs | 211.8644% | 1,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7774% | 122 |
| Assets per employee ($millions) | 1.7147% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5097% | 244 |
| Loan loss allowance to noncurrent loans | 206.7245% | 2,233 |
| Noncurrent assets plus other real estate owned to assets | 0.7907% | 1,970 |
| Noncurrent loans to loans | 1.2141% | 1,457 |
| Net loans and leases to total assets | 63.4974% | 3,421 |
| Net loans and leases to deposits | 81.3551% | 2,776 |
| Net loans and leases to core deposits | 84.1437% | 3,046 |
| Total domestic deposits to total assets | 78.0497% | 4,715 |
| Equity capital to assets | 17.1750% | 382 |
| Core capital (leverage) ratio | 16.6312% | 400 |
| Tier 1 risk-based capital ratio | 25.2747% | 703 |
| Total risk-based capital ratio | 26.5402% | 694 |
| Memoranda: | ||
| Average total assets | $58,898,600 | 4,984 |
| Average earning assets | $46,184,000 | 5,145 |
| Average equity | $8,610,000 | 4,685 |
| Average total loans | $33,151,000 | 4,917 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 2,796 |
| Cost of funding earning assets | 0.2446% | 4,615 |
| Net interest margin | 3.9044% | 2,026 |
| Noninterest income to average assets | 5.9904% | 96 |
| Noninterest expense to average assets | 9.9848% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.9755% | 5,668 |
| Return on assets (ROA) | -1.0590% | 5,672 |
| Pretax return on assets | -1.0500% | 5,663 |
| Return on Equity (ROE) | -7.5711% | 5,651 |
| Retained earnings to average equity (ytd only) | -7.5711% | 5,585 |
| Net charge-offs to loans | -0.3256% | 5,613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.7161% | 92 |
| Assets per employee ($millions) | 1.8303% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4395% | 98 |
| Loan loss allowance to noncurrent loans | 250.9690% | 1,842 |
| Noncurrent assets plus other real estate owned to assets | 0.8543% | 2,018 |
| Noncurrent loans to loans | 1.3705% | 1,374 |
| Net loans and leases to total assets | 60.1921% | 3,838 |
| Net loans and leases to deposits | 78.9198% | 3,076 |
| Net loans and leases to core deposits | 79.7963% | 3,470 |
| Total domestic deposits to total assets | 76.2699% | 4,992 |
| Equity capital to assets | 15.5364% | 623 |
| Core capital (leverage) ratio | 15.6398% | 552 |
| Tier 1 risk-based capital ratio | 24.6504% | 791 |
| Total risk-based capital ratio | 25.9280% | 774 |
| Memoranda: | ||
| Average total assets | $59,048,250 | 5,038 |
| Average earning assets | $45,793,500 | 5,209 |
| Average equity | $8,259,250 | 4,791 |
| Average total loans | $31,945,750 | 5,016 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 2,840 |
| Cost of funding earning assets | 0.2276% | 4,742 |
| Net interest margin | 3.8690% | 2,033 |
| Noninterest income to average assets | 6.0071% | 97 |
| Noninterest expense to average assets | 10.2086% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.2560% | 5,730 |
| Return on assets (ROA) | -1.3823% | 5,742 |
| Pretax return on assets | -1.3687% | 5,737 |
| Return on Equity (ROE) | -10.2735% | 5,720 |
| Retained earnings to average equity (ytd only) | -10.2735% | 5,657 |
| Net charge-offs to loans | -0.1864% | 5,563 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.8561% | 89 |
| Assets per employee ($millions) | 1.6373% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6756% | 78 |
| Loan loss allowance to noncurrent loans | 191.2442% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 1,626 |
| Noncurrent loans to loans | 1.9219% | 899 |
| Net loans and leases to total assets | 53.8577% | 4,399 |
| Net loans and leases to deposits | 68.1632% | 4,058 |
| Net loans and leases to core deposits | 68.8915% | 4,306 |
| Total domestic deposits to total assets | 79.0129% | 4,618 |
| Equity capital to assets | 15.5959% | 589 |
| Core capital (leverage) ratio | 15.7140% | 516 |
| Tier 1 risk-based capital ratio | 26.0248% | 673 |
| Total risk-based capital ratio | 27.3038% | 654 |
| Memoranda: | ||
| Average total assets | $58,597,670 | 5,089 |
| Average earning assets | $44,818,000 | 5,273 |
| Average equity | $7,884,330 | 4,873 |
| Average total loans | $30,044,000 | 5,111 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 3,340 |
| Cost of funding earning assets | 0.2186% | 4,814 |
| Net interest margin | 3.6980% | 2,489 |
| Noninterest income to average assets | 5.7980% | 100 |
| Noninterest expense to average assets | 11.2279% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.6108% | 5,835 |
| Return on assets (ROA) | -2.6108% | 5,835 |
| Pretax return on assets | -2.6108% | 5,828 |
| Return on Equity (ROE) | -21.1756% | 5,822 |
| Retained earnings to average equity (ytd only) | -21.1756% | 5,741 |
| Net charge-offs to loans | -0.3413% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.2981% | 52 |
| Assets per employee ($millions) | 1.5210% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3965% | 63 |
| Loan loss allowance to noncurrent loans | 189.4656% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 1.1042% | 1,611 |
| Noncurrent loans to loans | 2.3205% | 701 |
| Net loans and leases to total assets | 45.4922% | 4,964 |
| Net loans and leases to deposits | 55.1005% | 4,872 |
| Net loans and leases to core deposits | 55.6745% | 4,997 |
| Total domestic deposits to total assets | 82.5624% | 3,988 |
| Equity capital to assets | 15.8901% | 515 |
| Core capital (leverage) ratio | 15.9101% | 473 |
| Tier 1 risk-based capital ratio | 32.5362% | 396 |
| Total risk-based capital ratio | 33.8246% | 383 |
| Memoranda: | ||
| Average total assets | $57,606,500 | 5,162 |
| Average earning assets | $43,915,500 | 5,350 |
| Average equity | $7,102,500 | 5,044 |
| Average total loans | $28,130,000 | 5,216 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,007 |
| Cost of funding earning assets | 0.2783% | 4,270 |
| Net interest margin | 4.0635% | 1,466 |
| Noninterest income to average assets | 5.7881% | 108 |
| Noninterest expense to average assets | 10.1362% | 74 |
| Loan and lease loss provision to assets | -1.7455% | 5,911 |
| Net operating income to assets | 0.4469% | 4,808 |
| Return on assets (ROA) | 0.4469% | 4,887 |
| Pretax return on assets | 0.4556% | 5,108 |
| Return on Equity (ROE) | 5.2779% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.2779% | 2,144 |
| Net charge-offs to loans | 0.1920% | 1,442 |
| Credit loss provision to net charge-offs | -1,754.3860% | 5,369 |
| Earnings coverage of net charge-offs (x) | -12.9649% | 4,242 |
| Efficiency ratio | 114.5817% | 104 |
| Assets per employee ($millions) | 1.3973% | 5,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3413% | 62 |
| Loan loss allowance to noncurrent loans | 184.3939% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.1808% | 1,537 |
| Noncurrent loans to loans | 2.3544% | 694 |
| Net loans and leases to total assets | 47.9774% | 4,899 |
| Net loans and leases to deposits | 53.3715% | 5,046 |
| Net loans and leases to core deposits | 54.1869% | 5,139 |
| Total domestic deposits to total assets | 89.8932% | 686 |
| Equity capital to assets | 8.5503% | 5,232 |
| Core capital (leverage) ratio | 8.3773% | 5,386 |
| Tier 1 risk-based capital ratio | 16.9322% | 2,176 |
| Total risk-based capital ratio | 18.2201% | 2,118 |
| Memoranda: | ||
| Average total assets | $57,289,800 | 5,208 |
| Average earning assets | $43,115,200 | 5,396 |
| Average equity | $4,850,400 | 5,490 |
| Average total loans | $29,684,200 | 5,198 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 1,821 |
| Cost of funding earning assets | 0.2903% | 4,207 |
| Net interest margin | 4.1230% | 1,332 |
| Noninterest income to average assets | 6.0120% | 102 |
| Noninterest expense to average assets | 9.9907% | 74 |
| Loan and lease loss provision to assets | -2.3132% | 5,978 |
| Net operating income to assets | 1.4110% | 1,052 |
| Return on assets (ROA) | 1.4110% | 1,097 |
| Pretax return on assets | 1.4226% | 1,956 |
| Return on Equity (ROE) | 16.7064% | 473 |
| Retained earnings to average equity (ytd only) | 16.7064% | 93 |
| Net charge-offs to loans | -0.7309% | 5,909 |
| Credit loss provision to net charge-offs | 606.0606% | 609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7865% | 124 |
| Assets per employee ($millions) | 1.4105% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7849% | 45 |
| Loan loss allowance to noncurrent loans | 134.9906% | 3,001 |
| Noncurrent assets plus other real estate owned to assets | 1.8895% | 852 |
| Noncurrent loans to loans | 3.5446% | 355 |
| Net loans and leases to total assets | 50.7551% | 4,764 |
| Net loans and leases to deposits | 56.9284% | 4,938 |
| Net loans and leases to core deposits | 57.7959% | 5,062 |
| Total domestic deposits to total assets | 89.1559% | 821 |
| Equity capital to assets | 9.2027% | 4,970 |
| Core capital (leverage) ratio | 8.8355% | 5,018 |
| Tier 1 risk-based capital ratio | 17.0878% | 2,196 |
| Total risk-based capital ratio | 18.3809% | 2,144 |
| Memoranda: | ||
| Average total assets | $57,639,000 | 5,245 |
| Average earning assets | $43,171,750 | 5,449 |
| Average equity | $4,868,250 | 5,546 |
| Average total loans | $30,097,000 | 5,234 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 1,881 |
| Cost of funding earning assets | 0.3050% | 4,065 |
| Net interest margin | 4.0758% | 1,432 |
| Noninterest income to average assets | 6.4707% | 90 |
| Noninterest expense to average assets | 9.6647% | 77 |
| Loan and lease loss provision to assets | -3.4455% | 6,056 |
| Net operating income to assets | 3.2733% | 80 |
| Return on assets (ROA) | 3.2733% | 81 |
| Pretax return on assets | 3.2905% | 104 |
| Return on Equity (ROE) | 39.9132% | 18 |
| Retained earnings to average equity (ytd only) | 39.9132% | 7 |
| Net charge-offs to loans | -1.0032% | 5,992 |
| Credit loss provision to net charge-offs | 662.2517% | 525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6304% | 220 |
| Assets per employee ($millions) | 1.4222% | 5,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8622% | 48 |
| Loan loss allowance to noncurrent loans | 332.9439% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7717% | 2,670 |
| Noncurrent loans to loans | 1.4604% | 1,511 |
| Net loans and leases to total assets | 50.2722% | 4,826 |
| Net loans and leases to deposits | 56.8102% | 4,963 |
| Net loans and leases to core deposits | 57.4079% | 5,101 |
| Total domestic deposits to total assets | 88.4916% | 1,172 |
| Equity capital to assets | 9.9921% | 4,237 |
| Core capital (leverage) ratio | 9.6145% | 4,047 |
| Tier 1 risk-based capital ratio | 19.3486% | 1,614 |
| Total risk-based capital ratio | 20.6458% | 1,555 |
| Memoranda: | ||
| Average total assets | $58,046,000 | 5,287 |
| Average earning assets | $43,279,670 | 5,512 |
| Average equity | $4,760,330 | 5,623 |
| Average total loans | $30,104,670 | 5,289 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3186% | 2,064 |
| Cost of funding earning assets | 0.3294% | 3,851 |
| Net interest margin | 3.9892% | 1,645 |
| Noninterest income to average assets | 4.3548% | 143 |
| Noninterest expense to average assets | 9.6196% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.3257% | 6,079 |
| Return on assets (ROA) | -2.3257% | 6,079 |
| Pretax return on assets | -2.3257% | 6,081 |
| Return on Equity (ROE) | -31.5826% | 6,089 |
| Retained earnings to average equity (ytd only) | -31.5826% | 6,029 |
| Net charge-offs to loans | -0.2492% | 5,894 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.8854% | 66 |
| Assets per employee ($millions) | 1.6443% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7211% | 12 |
| Loan loss allowance to noncurrent loans | 505.0661% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 2,723 |
| Noncurrent loans to loans | 1.5287% | 1,533 |
| Net loans and leases to total assets | 47.6186% | 4,998 |
| Net loans and leases to deposits | 52.2448% | 5,212 |
| Net loans and leases to core deposits | 52.7577% | 5,320 |
| Total domestic deposits to total assets | 91.1452% | 230 |
| Equity capital to assets | 7.3500% | 5,970 |
| Core capital (leverage) ratio | 6.8671% | 6,009 |
| Tier 1 risk-based capital ratio | 14.1797% | 3,583 |
| Total risk-based capital ratio | 15.5091% | 3,453 |
| Memoranda: | ||
| Average total assets | $59,337,000 | 5,305 |
| Average earning assets | $43,718,000 | 5,556 |
| Average equity | $4,369,500 | 5,746 |
| Average total loans | $30,503,000 | 5,321 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 2,499 |
| Cost of funding earning assets | 0.3987% | 3,179 |
| Net interest margin | 3.8204% | 2,304 |
| Noninterest income to average assets | 3.9766% | 159 |
| Noninterest expense to average assets | 7.1191% | 137 |
| Loan and lease loss provision to assets | -0.4617% | 6,116 |
| Net operating income to assets | 0.1431% | 5,693 |
| Return on assets (ROA) | 0.1431% | 5,744 |
| Pretax return on assets | 0.1508% | 5,750 |
| Return on Equity (ROE) | 2.0166% | 5,567 |
| Retained earnings to average equity (ytd only) | 2.0166% | 4,577 |
| Net charge-offs to loans | -0.8833% | 6,125 |
| Credit loss provision to net charge-offs | 105.6338% | 2,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5660% | 202 |
| Assets per employee ($millions) | 1.5673% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2633% | 14 |
| Loan loss allowance to noncurrent loans | 431.4991% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.8622% | 2,515 |
| Noncurrent loans to loans | 1.6833% | 1,352 |
| Net loans and leases to total assets | 47.5009% | 5,059 |
| Net loans and leases to deposits | 52.0090% | 5,286 |
| Net loans and leases to core deposits | 52.4875% | 5,394 |
| Total domestic deposits to total assets | 91.3322% | 205 |
| Equity capital to assets | 7.3769% | 6,000 |
| Core capital (leverage) ratio | 7.1260% | 6,033 |
| Tier 1 risk-based capital ratio | 14.7996% | 3,274 |
| Total risk-based capital ratio | 16.1270% | 3,167 |
| Memoranda: | ||
| Average total assets | $64,980,000 | 5,201 |
| Average earning assets | $48,162,000 | 5,476 |
| Average equity | $4,611,800 | 5,740 |
| Average total loans | $32,151,800 | 5,288 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2611% | 2,360 |
| Cost of funding earning assets | 0.4147% | 3,072 |
| Net interest margin | 3.8465% | 2,209 |
| Noninterest income to average assets | 3.9204% | 161 |
| Noninterest expense to average assets | 6.8177% | 153 |
| Loan and lease loss provision to assets | -0.6066% | 6,228 |
| Net operating income to assets | 0.5499% | 4,588 |
| Return on assets (ROA) | 0.5499% | 4,691 |
| Pretax return on assets | 0.5601% | 5,072 |
| Return on Equity (ROE) | 7.8202% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.8202% | 1,324 |
| Net charge-offs to loans | -1.1124% | 6,215 |
| Credit loss provision to net charge-offs | 111.1111% | 2,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6868% | 286 |
| Assets per employee ($millions) | 1.6911% | 6,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5108% | 15 |
| Loan loss allowance to noncurrent loans | 407.2072% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.8415% | 2,772 |
| Noncurrent loans to loans | 1.8445% | 1,271 |
| Net loans and leases to total assets | 42.1967% | 5,477 |
| Net loans and leases to deposits | 46.0670% | 5,645 |
| Net loans and leases to core deposits | 46.6531% | 5,707 |
| Total domestic deposits to total assets | 91.5986% | 141 |
| Equity capital to assets | 7.1354% | 6,131 |
| Core capital (leverage) ratio | 7.4690% | 6,063 |
| Tier 1 risk-based capital ratio | 15.6456% | 2,977 |
| Total risk-based capital ratio | 16.9730% | 2,871 |
| Memoranda: | ||
| Average total assets | $65,944,250 | 5,244 |
| Average earning assets | $48,874,750 | 5,532 |
| Average equity | $4,637,500 | 5,811 |
| Average total loans | $32,362,750 | 5,344 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 2,114 |
| Cost of funding earning assets | 0.4430% | 2,805 |
| Net interest margin | 3.8747% | 2,061 |
| Noninterest income to average assets | 3.8276% | 166 |
| Noninterest expense to average assets | 6.7606% | 159 |
| Loan and lease loss provision to assets | -0.9099% | 6,323 |
| Net operating income to assets | 0.8978% | 2,888 |
| Return on assets (ROA) | 0.8978% | 3,017 |
| Pretax return on assets | 0.8947% | 3,976 |
| Return on Equity (ROE) | 12.8287% | 1,150 |
| Retained earnings to average equity (ytd only) | 12.8287% | 319 |
| Net charge-offs to loans | -1.1896% | 6,279 |
| Credit loss provision to net charge-offs | 152.2843% | 1,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2248% | 316 |
| Assets per employee ($millions) | 1.7162% | 6,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2629% | 16 |
| Loan loss allowance to noncurrent loans | 375.1286% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9436% | 2,646 |
| Noncurrent loans to loans | 1.9361% | 1,286 |
| Net loans and leases to total assets | 45.1985% | 5,307 |
| Net loans and leases to deposits | 49.6815% | 5,521 |
| Net loans and leases to core deposits | 50.5970% | 5,590 |
| Total domestic deposits to total assets | 90.9765% | 296 |
| Equity capital to assets | 7.6040% | 6,096 |
| Core capital (leverage) ratio | 7.5605% | 6,085 |
| Tier 1 risk-based capital ratio | 16.3684% | 2,673 |
| Total risk-based capital ratio | 17.6953% | 2,597 |
| Memoranda: | ||
| Average total assets | $65,941,330 | 5,306 |
| Average earning assets | $49,656,000 | 5,572 |
| Average equity | $4,614,670 | 5,877 |
| Average total loans | $33,120,330 | 5,362 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1266% | 2,720 |
| Cost of funding earning assets | 0.4654% | 2,615 |
| Net interest margin | 3.6612% | 2,772 |
| Noninterest income to average assets | 3.6283% | 181 |
| Noninterest expense to average assets | 6.5098% | 169 |
| Loan and lease loss provision to assets | -1.7642% | 6,407 |
| Net operating income to assets | 1.6583% | 649 |
| Return on assets (ROA) | 1.6583% | 679 |
| Pretax return on assets | 1.6583% | 1,141 |
| Return on Equity (ROE) | 24.6665% | 112 |
| Retained earnings to average equity (ytd only) | 24.6665% | 47 |
| Net charge-offs to loans | -0.9011% | 6,312 |
| Credit loss provision to net charge-offs | 384.6154% | 679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6529% | 328 |
| Assets per employee ($millions) | 2.0074% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2389% | 32 |
| Loan loss allowance to noncurrent loans | 305.9172% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0205% | 2,583 |
| Noncurrent loans to loans | 2.0394% | 1,277 |
| Net loans and leases to total assets | 46.9159% | 5,127 |
| Net loans and leases to deposits | 51.2136% | 5,377 |
| Net loans and leases to core deposits | 52.3039% | 5,469 |
| Total domestic deposits to total assets | 91.6083% | 210 |
| Equity capital to assets | 7.1146% | 6,249 |
| Core capital (leverage) ratio | 7.0604% | 6,231 |
| Tier 1 risk-based capital ratio | 14.7133% | 3,596 |
| Total risk-based capital ratio | 16.0259% | 3,487 |
| Memoranda: | ||
| Average total assets | $68,020,500 | 5,304 |
| Average earning assets | $51,567,500 | 5,577 |
| Average equity | $4,573,000 | 5,936 |
| Average total loans | $34,624,500 | 5,340 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 2,604 |
| Cost of funding earning assets | 0.6427% | 1,451 |
| Net interest margin | 3.6578% | 3,189 |
| Noninterest income to average assets | 2.0126% | 335 |
| Noninterest expense to average assets | 6.5520% | 158 |
| Loan and lease loss provision to assets | -0.6317% | 6,465 |
| Net operating income to assets | -1.0524% | 6,390 |
| Return on assets (ROA) | -1.0524% | 6,390 |
| Pretax return on assets | -1.0461% | 6,379 |
| Return on Equity (ROE) | -18.4007% | 6,434 |
| Retained earnings to average equity (ytd only) | -18.4007% | 6,413 |
| Net charge-offs to loans | 0.1006% | 3,067 |
| Credit loss provision to net charge-offs | -1,162.7907% | 5,920 |
| Earnings coverage of net charge-offs (x) | -30.8837% | 4,942 |
| Efficiency ratio | 134.4220% | 84 |
| Assets per employee ($millions) | 1.9388% | 6,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3431% | 31 |
| Loan loss allowance to noncurrent loans | 321.6292% | 1,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0201% | 2,702 |
| Noncurrent loans to loans | 1.9722% | 1,419 |
| Net loans and leases to total assets | 48.4433% | 5,116 |
| Net loans and leases to deposits | 52.5357% | 5,444 |
| Net loans and leases to core deposits | 57.3056% | 5,289 |
| Total domestic deposits to total assets | 92.2103% | 125 |
| Equity capital to assets | 6.3513% | 6,389 |
| Core capital (leverage) ratio | 6.1584% | 6,401 |
| Tier 1 risk-based capital ratio | 13.0751% | 4,679 |
| Total risk-based capital ratio | 14.3935% | 4,550 |
| Memoranda: | ||
| Average total assets | $79,151,400 | 5,089 |
| Average earning assets | $61,921,800 | 5,342 |
| Average equity | $4,527,000 | 5,981 |
| Average total loans | $42,740,200 | 5,081 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3321% | 2,490 |
| Cost of funding earning assets | 0.6631% | 1,373 |
| Net interest margin | 3.6690% | 3,158 |
| Noninterest income to average assets | 1.4529% | 597 |
| Noninterest expense to average assets | 6.5315% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -2.2170% | 6,537 |
| Return on assets (ROA) | -2.2170% | 6,538 |
| Pretax return on assets | -2.2088% | 6,531 |
| Return on Equity (ROE) | -39.7016% | 6,558 |
| Retained earnings to average equity (ytd only) | -39.7016% | 6,555 |
| Net charge-offs to loans | 0.5135% | 748 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -7.8949% | 4,625 |
| Efficiency ratio | 151.0977% | 54 |
| Assets per employee ($millions) | 2.2465% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9640% | 34 |
| Loan loss allowance to noncurrent loans | 287.7838% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 2.1341% | 1,307 |
| Noncurrent loans to loans | 2.4199% | 1,230 |
| Net loans and leases to total assets | 46.5606% | 5,328 |
| Net loans and leases to deposits | 49.6343% | 5,674 |
| Net loans and leases to core deposits | 54.6997% | 5,525 |
| Total domestic deposits to total assets | 93.8073% | 48 |
| Equity capital to assets | 5.0498% | 6,525 |
| Core capital (leverage) ratio | 4.9990% | 6,528 |
| Tier 1 risk-based capital ratio | 10.7979% | 6,092 |
| Total risk-based capital ratio | 12.1237% | 6,006 |
| Memoranda: | ||
| Average total assets | $81,490,000 | 5,078 |
| Average earning assets | $63,739,000 | 5,345 |
| Average equity | $4,550,500 | 6,035 |
| Average total loans | $44,399,750 | 5,075 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 2,196 |
| Cost of funding earning assets | 0.6764% | 1,328 |
| Net interest margin | 3.7171% | 2,892 |
| Noninterest income to average assets | 1.1131% | 959 |
| Noninterest expense to average assets | 6.5919% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.5988% | 6,617 |
| Return on assets (ROA) | -2.5988% | 6,618 |
| Pretax return on assets | -2.5723% | 6,613 |
| Return on Equity (ROE) | -45.2143% | 6,632 |
| Retained earnings to average equity (ytd only) | -45.2143% | 6,620 |
| Net charge-offs to loans | 0.4434% | 920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -10.3883% | 4,310 |
| Efficiency ratio | 163.9952% | 45 |
| Assets per employee ($millions) | 2.1245% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3021% | 45 |
| Loan loss allowance to noncurrent loans | 148.2085% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 3.3184% | 733 |
| Noncurrent loans to loans | 4.2522% | 541 |
| Net loans and leases to total assets | 50.2768% | 4,930 |
| Net loans and leases to deposits | 53.6586% | 5,384 |
| Net loans and leases to core deposits | 59.0291% | 5,201 |
| Total domestic deposits to total assets | 93.6976% | 59 |
| Equity capital to assets | 5.1145% | 6,582 |
| Core capital (leverage) ratio | 5.1932% | 6,577 |
| Tier 1 risk-based capital ratio | 10.1666% | 6,341 |
| Total risk-based capital ratio | 11.4841% | 6,285 |
| Memoranda: | ||
| Average total assets | $83,193,330 | 5,075 |
| Average earning assets | $65,050,000 | 5,350 |
| Average equity | $4,781,670 | 6,016 |
| Average total loans | $46,458,000 | 5,022 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 1,539 |
| Cost of funding earning assets | 0.6888% | 1,313 |
| Net interest margin | 3.8969% | 2,097 |
| Noninterest income to average assets | 2.7291% | 212 |
| Noninterest expense to average assets | 6.2162% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.4312% | 6,445 |
| Return on assets (ROA) | -0.4312% | 6,449 |
| Pretax return on assets | -0.4312% | 6,438 |
| Return on Equity (ROE) | -7.1261% | 6,516 |
| Retained earnings to average equity (ytd only) | -7.1261% | 6,250 |
| Net charge-offs to loans | 0.9828% | 342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.7712% | 3,500 |
| Efficiency ratio | 107.4529% | 304 |
| Assets per employee ($millions) | 2.1814% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6624% | 67 |
| Loan loss allowance to noncurrent loans | 139.3737% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 4.1539% | 552 |
| Noncurrent loans to loans | 4.0627% | 658 |
| Net loans and leases to total assets | 53.1678% | 4,530 |
| Net loans and leases to deposits | 57.2396% | 5,011 |
| Net loans and leases to core deposits | 63.2196% | 4,766 |
| Total domestic deposits to total assets | 92.8864% | 127 |
| Equity capital to assets | 5.9629% | 6,571 |
| Core capital (leverage) ratio | 6.3743% | 6,548 |
| Tier 1 risk-based capital ratio | 11.1302% | 6,111 |
| Total risk-based capital ratio | 12.4377% | 6,028 |
| Memoranda: | ||
| Average total assets | $84,424,500 | 5,106 |
| Average earning assets | $66,206,000 | 5,370 |
| Average equity | $5,108,000 | 5,971 |
| Average total loans | $48,027,500 | 5,007 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 2,423 |
| Cost of funding earning assets | 0.8508% | 945 |
| Net interest margin | 3.5920% | 3,497 |
| Noninterest income to average assets | 2.2280% | 340 |
| Noninterest expense to average assets | 6.1584% | 188 |
| Loan and lease loss provision to assets | 0.3147% | 1,056 |
| Net operating income to assets | -1.3259% | 6,653 |
| Return on assets (ROA) | -1.3259% | 6,656 |
| Pretax return on assets | -1.3133% | 6,644 |
| Return on Equity (ROE) | -20.7064% | 6,688 |
| Retained earnings to average equity (ytd only) | -20.9521% | 6,678 |
| Net charge-offs to loans | 1.8275% | 219 |
| Credit loss provision to net charge-offs | 28.2486% | 4,286 |
| Earnings coverage of net charge-offs (x) | -0.8964% | 5,251 |
| Efficiency ratio | 119.3535% | 182 |
| Assets per employee ($millions) | 2.1480% | 6,591 |
| Cash dividends to net income (ytd only)* | -1.1867% | 6,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8890% | 48 |
| Loan loss allowance to noncurrent loans | 79.5116% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 5.2654% | 430 |
| Noncurrent loans to loans | 7.4064% | 217 |
| Net loans and leases to total assets | 54.0437% | 4,578 |
| Net loans and leases to deposits | 58.4030% | 5,086 |
| Net loans and leases to core deposits | 64.4039% | 4,831 |
| Total domestic deposits to total assets | 92.5358% | 186 |
| Equity capital to assets | 6.1392% | 6,613 |
| Core capital (leverage) ratio | 6.1015% | 6,640 |
| Tier 1 risk-based capital ratio | 11.4833% | 5,912 |
| Total risk-based capital ratio | 12.7947% | 5,822 |
| Memoranda: | ||
| Average total assets | $95,333,000 | 4,856 |
| Average earning assets | $77,812,200 | 5,096 |
| Average equity | $6,104,400 | 5,794 |
| Average total loans | $58,111,400 | 4,684 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4782% | 2,318 |
| Cost of funding earning assets | 0.8595% | 992 |
| Net interest margin | 3.6186% | 3,366 |
| Noninterest income to average assets | 2.5072% | 292 |
| Noninterest expense to average assets | 5.7894% | 223 |
| Loan and lease loss provision to assets | 0.4072% | 735 |
| Net operating income to assets | -0.7412% | 6,660 |
| Return on assets (ROA) | -0.7412% | 6,667 |
| Pretax return on assets | -0.7235% | 6,642 |
| Return on Equity (ROE) | -11.4737% | 6,706 |
| Retained earnings to average equity (ytd only) | -11.7890% | 6,670 |
| Net charge-offs to loans | 2.6924% | 104 |
| Credit loss provision to net charge-offs | 24.5098% | 3,991 |
| Earnings coverage of net charge-offs (x) | -0.1904% | 4,911 |
| Efficiency ratio | 105.7788% | 331 |
| Assets per employee ($millions) | 2.3452% | 6,571 |
| Cash dividends to net income (ytd only)* | -2.7473% | 6,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2496% | 95 |
| Loan loss allowance to noncurrent loans | 59.5764% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 7.7671% | 239 |
| Noncurrent loans to loans | 8.8116% | 183 |
| Net loans and leases to total assets | 54.1153% | 4,597 |
| Net loans and leases to deposits | 58.5898% | 5,125 |
| Net loans and leases to core deposits | 67.4305% | 4,580 |
| Total domestic deposits to total assets | 92.3630% | 197 |
| Equity capital to assets | 6.6080% | 6,628 |
| Core capital (leverage) ratio | 6.4341% | 6,677 |
| Tier 1 risk-based capital ratio | 11.6891% | 5,955 |
| Total risk-based capital ratio | 12.9881% | 5,888 |
| Memoranda: | ||
| Average total assets | $98,223,000 | 4,829 |
| Average earning assets | $80,507,250 | 5,076 |
| Average equity | $6,344,750 | 5,800 |
| Average total loans | $60,612,500 | 4,637 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6786% | 1,628 |
| Cost of funding earning assets | 0.8461% | 1,160 |
| Net interest margin | 3.8325% | 2,436 |
| Noninterest income to average assets | 2.3346% | 360 |
| Noninterest expense to average assets | 5.4909% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0198% | 6,282 |
| Return on assets (ROA) | 0.0198% | 6,351 |
| Pretax return on assets | 0.0375% | 6,315 |
| Return on Equity (ROE) | 0.3079% | 6,341 |
| Retained earnings to average equity (ytd only) | 0.3079% | 5,771 |
| Net charge-offs to loans | 1.4315% | 374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.0416% | 4,533 |
| Efficiency ratio | 99.3212% | 511 |
| Assets per employee ($millions) | 2.4748% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3706% | 94 |
| Loan loss allowance to noncurrent loans | 39.8958% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 8.2720% | 231 |
| Noncurrent loans to loans | 13.4615% | 71 |
| Net loans and leases to total assets | 57.3043% | 4,094 |
| Net loans and leases to deposits | 62.1631% | 4,719 |
| Net loans and leases to core deposits | 74.8785% | 3,683 |
| Total domestic deposits to total assets | 92.1838% | 221 |
| Equity capital to assets | 6.7055% | 6,653 |
| Core capital (leverage) ratio | 6.8005% | 6,660 |
| Tier 1 risk-based capital ratio | 11.9059% | 5,847 |
| Total risk-based capital ratio | 13.2101% | 5,764 |
| Memoranda: | ||
| Average total assets | $101,257,670 | 4,785 |
| Average earning assets | $84,383,330 | 5,001 |
| Average equity | $6,496,670 | 5,813 |
| Average total loans | $63,850,330 | 4,545 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1630% | 3,453 |
| Cost of funding earning assets | 0.8354% | 1,339 |
| Net interest margin | 3.3277% | 4,408 |
| Noninterest income to average assets | 2.1114% | 402 |
| Noninterest expense to average assets | 5.5236% | 266 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6137% | 6,715 |
| Return on assets (ROA) | -0.6137% | 6,732 |
| Pretax return on assets | -0.6137% | 6,704 |
| Return on Equity (ROE) | -9.7711% | 6,801 |
| Retained earnings to average equity (ytd only) | -9.7711% | 6,605 |
| Net charge-offs to loans | -3.2877% | 6,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5000% | 296 |
| Assets per employee ($millions) | 2.1591% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4199% | 59 |
| Loan loss allowance to noncurrent loans | 36.8145% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 11.7691% | 134 |
| Noncurrent loans to loans | 17.4385% | 42 |
| Net loans and leases to total assets | 62.1402% | 3,034 |
| Net loans and leases to deposits | 67.3644% | 3,862 |
| Net loans and leases to core deposits | 81.2751% | 2,660 |
| Total domestic deposits to total assets | 92.2448% | 207 |
| Equity capital to assets | 6.6179% | 6,777 |
| Core capital (leverage) ratio | 6.4329% | 6,756 |
| Tier 1 risk-based capital ratio | 10.8700% | 6,458 |
| Total risk-based capital ratio | 12.1919% | 6,403 |
| Memoranda: | ||
| Average total assets | $103,627,500 | 4,776 |
| Average earning assets | $87,148,000 | 4,953 |
| Average equity | $6,509,000 | 5,864 |
| Average total loans | $66,551,500 | 4,472 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7325% | 2,463 |
| Cost of funding earning assets | 0.9077% | 1,893 |
| Net interest margin | 3.8248% | 3,126 |
| Noninterest income to average assets | 2.2377% | 372 |
| Noninterest expense to average assets | 5.9438% | 226 |
| Loan and lease loss provision to assets | 1.6574% | 169 |
| Net operating income to assets | -2.1000% | 6,942 |
| Return on assets (ROA) | -2.1000% | 6,949 |
| Pretax return on assets | -2.0858% | 6,941 |
| Return on Equity (ROE) | -29.6000% | 6,951 |
| Retained earnings to average equity (ytd only) | -32.1436% | 6,945 |
| Net charge-offs to loans | 4.0357% | 71 |
| Credit loss provision to net charge-offs | 55.4144% | 4,567 |
| Earnings coverage of net charge-offs (x) | -0.1432% | 5,555 |
| Efficiency ratio | 107.7665% | 374 |
| Assets per employee ($millions) | 2.2019% | 6,835 |
| Cash dividends to net income (ytd only)* | -8.5934% | 7,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2417% | 112 |
| Loan loss allowance to noncurrent loans | 32.0667% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 10.3775% | 203 |
| Noncurrent loans to loans | 16.3461% | 64 |
| Net loans and leases to total assets | 59.0314% | 3,789 |
| Net loans and leases to deposits | 63.5052% | 4,599 |
| Net loans and leases to core deposits | 82.1878% | 2,748 |
| Total domestic deposits to total assets | 92.9551% | 135 |
| Equity capital to assets | 5.9840% | 6,894 |
| Core capital (leverage) ratio | 6.1221% | 6,844 |
| Tier 1 risk-based capital ratio | 10.2986% | 6,617 |
| Total risk-based capital ratio | 11.6037% | 6,568 |
| Memoranda: | ||
| Average total assets | $105,285,800 | 4,697 |
| Average earning assets | $90,227,400 | 4,863 |
| Average equity | $7,469,600 | 5,648 |
| Average total loans | $78,027,800 | 4,091 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9044% | 1,995 |
| Cost of funding earning assets | 0.9121% | 2,092 |
| Net interest margin | 3.9922% | 2,533 |
| Noninterest income to average assets | 2.2840% | 348 |
| Noninterest expense to average assets | 5.8503% | 229 |
| Loan and lease loss provision to assets | 2.2353% | 84 |
| Net operating income to assets | -2.3852% | 7,081 |
| Return on assets (ROA) | -2.3852% | 7,083 |
| Pretax return on assets | -2.3647% | 7,067 |
| Return on Equity (ROE) | -32.2835% | 7,071 |
| Retained earnings to average equity (ytd only) | -35.5778% | 7,079 |
| Net charge-offs to loans | 4.2675% | 69 |
| Credit loss provision to net charge-offs | 67.8197% | 3,961 |
| Earnings coverage of net charge-offs (x) | -0.0393% | 5,346 |
| Efficiency ratio | 102.2615% | 470 |
| Assets per employee ($millions) | 2.1894% | 6,925 |
| Cash dividends to net income (ytd only)* | -10.2042% | 7,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6140% | 95 |
| Loan loss allowance to noncurrent loans | 36.7036% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 11.2073% | 186 |
| Noncurrent loans to loans | 15.2954% | 92 |
| Net loans and leases to total assets | 66.7282% | 2,513 |
| Net loans and leases to deposits | 72.2874% | 3,566 |
| Net loans and leases to core deposits | 93.4615% | 1,628 |
| Total domestic deposits to total assets | 92.3096% | 173 |
| Equity capital to assets | 6.6018% | 6,930 |
| Core capital (leverage) ratio | 6.6465% | 6,856 |
| Tier 1 risk-based capital ratio | 10.0714% | 6,780 |
| Total risk-based capital ratio | 11.3808% | 6,743 |
| Memoranda: | ||
| Average total assets | $104,083,750 | 4,772 |
| Average earning assets | $89,605,250 | 4,923 |
| Average equity | $7,690,000 | 5,649 |
| Average total loans | $80,388,500 | 4,067 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 1,768 |
| Cost of funding earning assets | 0.9239% | 2,234 |
| Net interest margin | 4.0841% | 2,150 |
| Noninterest income to average assets | 2.5678% | 288 |
| Noninterest expense to average assets | 5.9028% | 225 |
| Loan and lease loss provision to assets | 3.3639% | 41 |
| Net operating income to assets | -3.2001% | 7,163 |
| Return on assets (ROA) | -3.2001% | 7,165 |
| Pretax return on assets | -3.1712% | 7,156 |
| Return on Equity (ROE) | -41.8101% | 7,149 |
| Retained earnings to average equity (ytd only) | -41.8101% | 7,143 |
| Net charge-offs to loans | 4.7368% | 80 |
| Credit loss provision to net charge-offs | 89.3955% | 3,069 |
| Earnings coverage of net charge-offs (x) | 0.0512% | 5,060 |
| Efficiency ratio | 96.8374% | 667 |
| Assets per employee ($millions) | 2.2482% | 6,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0127% | 79 |
| Loan loss allowance to noncurrent loans | 43.5767% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 11.1106% | 210 |
| Noncurrent loans to loans | 13.7981% | 123 |
| Net loans and leases to total assets | 72.4469% | 1,479 |
| Net loans and leases to deposits | 78.8924% | 2,537 |
| Net loans and leases to core deposits | 102.9941% | 917 |
| Total domestic deposits to total assets | 91.8300% | 252 |
| Equity capital to assets | 7.0841% | 6,894 |
| Core capital (leverage) ratio | 7.1622% | 6,762 |
| Tier 1 risk-based capital ratio | 10.0860% | 6,806 |
| Total risk-based capital ratio | 11.4034% | 6,768 |
| Memoranda: | ||
| Average total assets | $103,747,670 | 4,808 |
| Average earning assets | $89,616,000 | 4,952 |
| Average equity | $7,940,670 | 5,590 |
| Average total loans | $82,419,000 | 4,028 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1040% | 1,563 |
| Cost of funding earning assets | 0.9413% | 2,365 |
| Net interest margin | 4.1628% | 1,882 |
| Noninterest income to average assets | 2.6022% | 289 |
| Noninterest expense to average assets | 5.8240% | 225 |
| Loan and lease loss provision to assets | 6.0242% | 12 |
| Net operating income to assets | -5.6547% | 7,278 |
| Return on assets (ROA) | -5.6547% | 7,279 |
| Pretax return on assets | -5.6200% | 7,279 |
| Return on Equity (ROE) | -71.2415% | 7,254 |
| Retained earnings to average equity (ytd only) | -71.2415% | 7,248 |
| Net charge-offs to loans | 8.5662% | 28 |
| Credit loss provision to net charge-offs | 87.2352% | 2,598 |
| Earnings coverage of net charge-offs (x) | 0.0585% | 4,339 |
| Efficiency ratio | 93.5105% | 847 |
| Assets per employee ($millions) | 2.0736% | 7,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8462% | 91 |
| Loan loss allowance to noncurrent loans | 40.8216% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 11.7439% | 215 |
| Noncurrent loans to loans | 14.3213% | 135 |
| Net loans and leases to total assets | 74.0960% | 1,043 |
| Net loans and leases to deposits | 80.7964% | 2,086 |
| Net loans and leases to core deposits | 105.0457% | 716 |
| Total domestic deposits to total assets | 91.7071% | 327 |
| Equity capital to assets | 7.2503% | 6,869 |
| Core capital (leverage) ratio | 7.2096% | 6,763 |
| Tier 1 risk-based capital ratio | 10.1311% | 6,850 |
| Total risk-based capital ratio | 11.4460% | 6,828 |
| Memoranda: | ||
| Average total assets | $103,914,000 | 4,834 |
| Average earning assets | $90,516,500 | 4,945 |
| Average equity | $8,248,000 | 5,519 |
| Average total loans | $83,771,500 | 4,017 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1281% | 2,339 |
| Cost of funding earning assets | 1.1477% | 2,363 |
| Net interest margin | 3.9804% | 2,980 |
| Noninterest income to average assets | 2.7947% | 229 |
| Noninterest expense to average assets | 5.1960% | 333 |
| Loan and lease loss provision to assets | 1.9319% | 323 |
| Net operating income to assets | -0.9301% | 6,713 |
| Return on assets (ROA) | -0.9301% | 6,739 |
| Pretax return on assets | -0.8497% | 6,668 |
| Return on Equity (ROE) | -11.0015% | 6,762 |
| Retained earnings to average equity (ytd only) | -11.0015% | 6,730 |
| Net charge-offs to loans | 1.5638% | 1,011 |
| Credit loss provision to net charge-offs | 155.0877% | 1,808 |
| Earnings coverage of net charge-offs (x) | 0.8688% | 5,147 |
| Efficiency ratio | 82.7625% | 1,919 |
| Assets per employee ($millions) | 2.0830% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8161% | 104 |
| Loan loss allowance to noncurrent loans | 35.9511% | 5,845 |
| Noncurrent assets plus other real estate owned to assets | 13.8225% | 160 |
| Noncurrent loans to loans | 16.1778% | 111 |
| Net loans and leases to total assets | 77.7271% | 741 |
| Net loans and leases to deposits | 86.0642% | 1,660 |
| Net loans and leases to core deposits | 107.1758% | 748 |
| Total domestic deposits to total assets | 90.3129% | 805 |
| Equity capital to assets | 8.6213% | 5,991 |
| Core capital (leverage) ratio | 8.5328% | 5,510 |
| Tier 1 risk-based capital ratio | 11.4641% | 6,185 |
| Total risk-based capital ratio | 12.7774% | 6,130 |
| Memoranda: | ||
| Average total assets | $114,395,400 | 4,539 |
| Average earning assets | $100,115,800 | 4,638 |
| Average equity | $9,671,400 | 5,102 |
| Average total loans | $91,122,200 | 3,827 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 2,387 |
| Cost of funding earning assets | 1.1859% | 2,408 |
| Net interest margin | 3.9646% | 3,078 |
| Noninterest income to average assets | 2.2925% | 304 |
| Noninterest expense to average assets | 5.1083% | 340 |
| Loan and lease loss provision to assets | 1.6017% | 407 |
| Net operating income to assets | -0.9451% | 6,864 |
| Return on assets (ROA) | -0.9451% | 6,900 |
| Pretax return on assets | -0.9416% | 6,852 |
| Return on Equity (ROE) | -11.2277% | 6,927 |
| Retained earnings to average equity (ytd only) | -11.2277% | 6,894 |
| Net charge-offs to loans | 0.5078% | 2,729 |
| Credit loss provision to net charge-offs | 399.1477% | 718 |
| Earnings coverage of net charge-offs (x) | 1.6449% | 4,413 |
| Efficiency ratio | 88.5573% | 1,288 |
| Assets per employee ($millions) | 2.3174% | 7,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8217% | 104 |
| Loan loss allowance to noncurrent loans | 42.5306% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 12.0833% | 224 |
| Noncurrent loans to loans | 13.6883% | 177 |
| Net loans and leases to total assets | 79.6242% | 550 |
| Net loans and leases to deposits | 88.1633% | 1,421 |
| Net loans and leases to core deposits | 110.2938% | 661 |
| Total domestic deposits to total assets | 90.3144% | 714 |
| Equity capital to assets | 8.6443% | 6,148 |
| Core capital (leverage) ratio | 8.2648% | 6,028 |
| Tier 1 risk-based capital ratio | 11.0925% | 6,483 |
| Total risk-based capital ratio | 12.4076% | 6,439 |
| Memoranda: | ||
| Average total assets | $116,957,000 | 4,504 |
| Average earning assets | $102,537,250 | 4,605 |
| Average equity | $9,844,500 | 5,081 |
| Average total loans | $92,415,000 | 3,839 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 2,540 |
| Cost of funding earning assets | 1.2045% | 2,546 |
| Net interest margin | 3.9275% | 3,181 |
| Noninterest income to average assets | 2.2490% | 310 |
| Noninterest expense to average assets | 4.9714% | 380 |
| Loan and lease loss provision to assets | 0.6810% | 1,406 |
| Net operating income to assets | 0.0415% | 6,143 |
| Return on assets (ROA) | 0.0415% | 6,224 |
| Pretax return on assets | 0.0465% | 6,192 |
| Return on Equity (ROE) | 0.4973% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.4973% | 5,655 |
| Net charge-offs to loans | 0.8757% | 1,770 |
| Credit loss provision to net charge-offs | 100.4902% | 3,086 |
| Earnings coverage of net charge-offs (x) | 1.0735% | 4,486 |
| Efficiency ratio | 87.2340% | 1,486 |
| Assets per employee ($millions) | 2.1678% | 7,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6040% | 253 |
| Loan loss allowance to noncurrent loans | 55.8053% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 7.6049% | 628 |
| Noncurrent loans to loans | 8.2500% | 537 |
| Net loans and leases to total assets | 78.6387% | 691 |
| Net loans and leases to deposits | 87.5242% | 1,568 |
| Net loans and leases to core deposits | 109.4435% | 736 |
| Total domestic deposits to total assets | 89.8480% | 1,049 |
| Equity capital to assets | 9.1100% | 5,420 |
| Core capital (leverage) ratio | 8.7234% | 5,185 |
| Tier 1 risk-based capital ratio | 11.7166% | 5,995 |
| Total risk-based capital ratio | 13.0128% | 5,962 |
| Memoranda: | ||
| Average total assets | $120,408,670 | 4,441 |
| Average earning assets | $105,767,000 | 4,573 |
| Average equity | $10,054,330 | 5,037 |
| Average total loans | $93,177,330 | 3,857 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0188% | 3,020 |
| Cost of funding earning assets | 1.2493% | 2,510 |
| Net interest margin | 3.7695% | 3,759 |
| Noninterest income to average assets | 2.1830% | 324 |
| Noninterest expense to average assets | 4.8351% | 422 |
| Loan and lease loss provision to assets | 0.6862% | 1,237 |
| Net operating income to assets | -0.0064% | 6,360 |
| Return on assets (ROA) | -0.0064% | 6,388 |
| Pretax return on assets | -0.0064% | 6,362 |
| Return on Equity (ROE) | -0.0796% | 6,391 |
| Retained earnings to average equity (ytd only) | -0.0796% | 5,804 |
| Net charge-offs to loans | 1.8684% | 691 |
| Credit loss provision to net charge-offs | 48.8636% | 3,775 |
| Earnings coverage of net charge-offs (x) | 0.4841% | 4,258 |
| Efficiency ratio | 87.6736% | 1,554 |
| Assets per employee ($millions) | 2.3466% | 7,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3556% | 327 |
| Loan loss allowance to noncurrent loans | 51.2327% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 7.4375% | 680 |
| Noncurrent loans to loans | 8.5015% | 551 |
| Net loans and leases to total assets | 72.8254% | 1,547 |
| Net loans and leases to deposits | 80.3837% | 2,641 |
| Net loans and leases to core deposits | 105.2901% | 976 |
| Total domestic deposits to total assets | 90.5973% | 800 |
| Equity capital to assets | 8.3900% | 6,064 |
| Core capital (leverage) ratio | 7.7889% | 6,474 |
| Tier 1 risk-based capital ratio | 11.4292% | 6,153 |
| Total risk-based capital ratio | 12.7201% | 6,111 |
| Memoranda: | ||
| Average total assets | $125,333,000 | 4,352 |
| Average earning assets | $110,783,500 | 4,447 |
| Average equity | $10,045,500 | 5,041 |
| Average total loans | $94,196,500 | 3,877 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2894% | 3,180 |
| Cost of funding earning assets | 1.5103% | 2,576 |
| Net interest margin | 3.7791% | 4,037 |
| Noninterest income to average assets | 2.6191% | 274 |
| Noninterest expense to average assets | 4.7747% | 514 |
| Loan and lease loss provision to assets | 2.0912% | 615 |
| Net operating income to assets | -0.8874% | 6,625 |
| Return on assets (ROA) | -0.8874% | 6,650 |
| Pretax return on assets | -0.8830% | 6,566 |
| Return on Equity (ROE) | -12.9507% | 6,839 |
| Retained earnings to average equity (ytd only) | -12.9507% | 6,793 |
| Net charge-offs to loans | 2.3809% | 802 |
| Credit loss provision to net charge-offs | 115.7212% | 3,729 |
| Earnings coverage of net charge-offs (x) | 0.6686% | 5,438 |
| Efficiency ratio | 79.8066% | 2,443 |
| Assets per employee ($millions) | 2.5190% | 6,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3118% | 306 |
| Loan loss allowance to noncurrent loans | 51.5740% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 6.6838% | 843 |
| Noncurrent loans to loans | 8.3604% | 598 |
| Net loans and leases to total assets | 71.0554% | 2,289 |
| Net loans and leases to deposits | 77.8549% | 3,534 |
| Net loans and leases to core deposits | 124.2892% | 422 |
| Total domestic deposits to total assets | 91.2664% | 478 |
| Equity capital to assets | 7.6725% | 6,762 |
| Core capital (leverage) ratio | 7.5226% | 6,688 |
| Tier 1 risk-based capital ratio | 10.8251% | 6,468 |
| Total risk-based capital ratio | 12.1172% | 6,405 |
| Memoranda: | ||
| Average total assets | $136,573,200 | 4,126 |
| Average earning assets | $121,564,400 | 4,195 |
| Average equity | $9,358,600 | 5,312 |
| Average total loans | $103,658,600 | 3,686 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3714% | 3,024 |
| Cost of funding earning assets | 1.5550% | 2,639 |
| Net interest margin | 3.8164% | 3,898 |
| Noninterest income to average assets | 2.7590% | 242 |
| Noninterest expense to average assets | 4.6898% | 497 |
| Loan and lease loss provision to assets | 2.4700% | 433 |
| Net operating income to assets | -1.0031% | 6,902 |
| Return on assets (ROA) | -1.0031% | 6,950 |
| Pretax return on assets | -0.9973% | 6,863 |
| Return on Equity (ROE) | -15.0665% | 7,108 |
| Retained earnings to average equity (ytd only) | -15.0665% | 7,081 |
| Net charge-offs to loans | 2.1015% | 880 |
| Credit loss provision to net charge-offs | 154.0687% | 2,499 |
| Earnings coverage of net charge-offs (x) | 0.9186% | 5,141 |
| Efficiency ratio | 76.1016% | 2,933 |
| Assets per employee ($millions) | 2.6846% | 6,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7360% | 211 |
| Loan loss allowance to noncurrent loans | 113.2427% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 4.9823% | 1,295 |
| Noncurrent loans to loans | 4.1822% | 1,753 |
| Net loans and leases to total assets | 72.5721% | 2,108 |
| Net loans and leases to deposits | 79.7369% | 3,496 |
| Net loans and leases to core deposits | 125.7061% | 455 |
| Total domestic deposits to total assets | 91.0145% | 448 |
| Equity capital to assets | 7.0029% | 7,341 |
| Core capital (leverage) ratio | 6.8658% | 7,227 |
| Tier 1 risk-based capital ratio | 9.5989% | 7,228 |
| Total risk-based capital ratio | 10.8943% | 7,202 |
| Memoranda: | ||
| Average total assets | $137,969,500 | 4,148 |
| Average earning assets | $123,043,500 | 4,222 |
| Average equity | $9,185,750 | 5,432 |
| Average total loans | $105,256,250 | 3,699 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3321% | 3,308 |
| Cost of funding earning assets | 1.6007% | 2,650 |
| Net interest margin | 3.7313% | 4,226 |
| Noninterest income to average assets | 2.2297% | 301 |
| Noninterest expense to average assets | 4.7791% | 445 |
| Loan and lease loss provision to assets | 2.6408% | 414 |
| Net operating income to assets | -1.8514% | 7,270 |
| Return on assets (ROA) | -1.8514% | 7,275 |
| Pretax return on assets | -1.8428% | 7,188 |
| Return on Equity (ROE) | -28.2663% | 7,413 |
| Retained earnings to average equity (ytd only) | -28.2663% | 7,399 |
| Net charge-offs to loans | 1.8665% | 999 |
| Credit loss provision to net charge-offs | 185.3707% | 2,124 |
| Earnings coverage of net charge-offs (x) | 0.5601% | 5,172 |
| Efficiency ratio | 85.6923% | 1,753 |
| Assets per employee ($millions) | 2.7678% | 6,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4748% | 260 |
| Loan loss allowance to noncurrent loans | 101.6213% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 3.8998% | 1,775 |
| Noncurrent loans to loans | 4.4034% | 1,664 |
| Net loans and leases to total assets | 75.5371% | 1,585 |
| Net loans and leases to deposits | 81.4324% | 3,355 |
| Net loans and leases to core deposits | 141.7009% | 271 |
| Total domestic deposits to total assets | 92.7605% | 128 |
| Equity capital to assets | 6.2866% | 7,502 |
| Core capital (leverage) ratio | 5.6482% | 7,533 |
| Tier 1 risk-based capital ratio | 8.5153% | 7,483 |
| Total risk-based capital ratio | 9.8094% | 7,493 |
| Memoranda: | ||
| Average total assets | $140,111,000 | 4,135 |
| Average earning assets | $125,692,330 | 4,192 |
| Average equity | $9,177,000 | 5,450 |
| Average total loans | $106,938,000 | 3,696 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 4,046 |
| Cost of funding earning assets | 1.6489% | 2,659 |
| Net interest margin | 3.5458% | 4,966 |
| Noninterest income to average assets | 2.2485% | 290 |
| Noninterest expense to average assets | 4.9005% | 396 |
| Loan and lease loss provision to assets | 0.8348% | 1,517 |
| Net operating income to assets | -0.3033% | 6,671 |
| Return on assets (ROA) | -0.3033% | 6,724 |
| Pretax return on assets | -0.3033% | 6,642 |
| Return on Equity (ROE) | -4.5466% | 6,858 |
| Retained earnings to average equity (ytd only) | -4.5466% | 6,551 |
| Net charge-offs to loans | -0.1483% | 7,609 |
| Credit loss provision to net charge-offs | -750.0000% | 6,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2152% | 1,421 |
| Assets per employee ($millions) | 2.9603% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9234% | 405 |
| Loan loss allowance to noncurrent loans | 65.7601% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 4.4928% | 1,501 |
| Noncurrent loans to loans | 5.9663% | 1,103 |
| Net loans and leases to total assets | 66.5435% | 3,738 |
| Net loans and leases to deposits | 71.6144% | 5,104 |
| Net loans and leases to core deposits | 130.4048% | 484 |
| Total domestic deposits to total assets | 92.9190% | 131 |
| Equity capital to assets | 6.1949% | 7,593 |
| Core capital (leverage) ratio | 6.2612% | 7,538 |
| Tier 1 risk-based capital ratio | 9.3658% | 7,366 |
| Total risk-based capital ratio | 10.6549% | 7,350 |
| Memoranda: | ||
| Average total assets | $143,739,500 | 4,132 |
| Average earning assets | $129,053,500 | 4,169 |
| Average equity | $9,589,500 | 5,348 |
| Average total loans | $107,879,500 | 3,734 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7719% | 2,772 |
| Cost of funding earning assets | 2.0698% | 2,630 |
| Net interest margin | 3.7021% | 4,137 |
| Noninterest income to average assets | 2.6203% | 260 |
| Noninterest expense to average assets | 5.1801% | 465 |
| Loan and lease loss provision to assets | 2.8442% | 638 |
| Net operating income to assets | -2.0923% | 7,127 |
| Return on assets (ROA) | -1.8057% | 7,007 |
| Pretax return on assets | -1.8043% | 6,860 |
| Return on Equity (ROE) | -23.9713% | 7,262 |
| Retained earnings to average equity (ytd only) | -23.9713% | 7,236 |
| Net charge-offs to loans | 1.6659% | 1,519 |
| Credit loss provision to net charge-offs | 209.9031% | 1,828 |
| Earnings coverage of net charge-offs (x) | 0.5560% | 5,551 |
| Efficiency ratio | 87.3033% | 1,951 |
| Assets per employee ($millions) | 2.5682% | 7,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5220% | 517 |
| Loan loss allowance to noncurrent loans | 107.7958% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 3.2528% | 2,109 |
| Noncurrent loans to loans | 3.2673% | 2,335 |
| Net loans and leases to total assets | 78.8491% | 1,215 |
| Net loans and leases to deposits | 85.8918% | 2,936 |
| Net loans and leases to core deposits | 133.2865% | 1,096 |
| Total domestic deposits to total assets | 91.8005% | 302 |
| Equity capital to assets | 7.2208% | 7,247 |
| Core capital (leverage) ratio | 7.0720% | 7,176 |
| Tier 1 risk-based capital ratio | 9.1451% | 7,400 |
| Total risk-based capital ratio | 10.4266% | 7,393 |
| Memoranda: | ||
| Average total assets | $137,119,600 | 4,190 |
| Average earning assets | $122,715,600 | 4,245 |
| Average equity | $10,329,000 | 5,207 |
| Average total loans | $111,529,000 | 3,654 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7169% | 3,258 |
| Cost of funding earning assets | 2.1601% | 2,599 |
| Net interest margin | 3.5568% | 4,651 |
| Noninterest income to average assets | 2.7011% | 246 |
| Noninterest expense to average assets | 4.8854% | 532 |
| Loan and lease loss provision to assets | 1.9804% | 920 |
| Net operating income to assets | -0.9709% | 6,810 |
| Return on assets (ROA) | -0.5912% | 6,517 |
| Pretax return on assets | -0.5893% | 6,382 |
| Return on Equity (ROE) | -7.7709% | 6,712 |
| Retained earnings to average equity (ytd only) | -7.7709% | 6,577 |
| Net charge-offs to loans | 1.0643% | 1,865 |
| Credit loss provision to net charge-offs | 229.0503% | 1,905 |
| Earnings coverage of net charge-offs (x) | 1.1698% | 4,893 |
| Efficiency ratio | 82.8473% | 2,453 |
| Assets per employee ($millions) | 2.7498% | 6,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6547% | 921 |
| Loan loss allowance to noncurrent loans | 69.9314% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 3.6744% | 1,780 |
| Noncurrent loans to loans | 3.7962% | 1,959 |
| Net loans and leases to total assets | 75.8044% | 2,029 |
| Net loans and leases to deposits | 82.6020% | 3,907 |
| Net loans and leases to core deposits | 127.5830% | 1,611 |
| Total domestic deposits to total assets | 91.7707% | 211 |
| Equity capital to assets | 7.4013% | 7,372 |
| Core capital (leverage) ratio | 7.6981% | 6,735 |
| Tier 1 risk-based capital ratio | 9.6972% | 7,240 |
| Total risk-based capital ratio | 10.9686% | 7,180 |
| Memoranda: | ||
| Average total assets | $138,013,250 | 4,187 |
| Average earning assets | $124,004,250 | 4,245 |
| Average equity | $10,500,500 | 5,201 |
| Average total loans | $112,125,500 | 3,682 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8104% | 2,996 |
| Cost of funding earning assets | 2.3297% | 2,238 |
| Net interest margin | 3.4807% | 4,893 |
| Noninterest income to average assets | 2.0212% | 368 |
| Noninterest expense to average assets | 4.8594% | 573 |
| Loan and lease loss provision to assets | 2.6108% | 588 |
| Net operating income to assets | -2.3204% | 7,522 |
| Return on assets (ROA) | -1.7440% | 7,332 |
| Pretax return on assets | -1.7410% | 7,187 |
| Return on Equity (ROE) | -22.7060% | 7,580 |
| Retained earnings to average equity (ytd only) | -22.7060% | 7,537 |
| Net charge-offs to loans | 1.4753% | 1,284 |
| Credit loss provision to net charge-offs | 214.7165% | 2,142 |
| Earnings coverage of net charge-offs (x) | 0.2413% | 5,429 |
| Efficiency ratio | 94.3069% | 1,474 |
| Assets per employee ($millions) | 2.8083% | 6,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5067% | 892 |
| Loan loss allowance to noncurrent loans | 68.8172% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 3.8043% | 1,595 |
| Noncurrent loans to loans | 3.6425% | 1,909 |
| Net loans and leases to total assets | 77.7837% | 1,801 |
| Net loans and leases to deposits | 84.6153% | 3,773 |
| Net loans and leases to core deposits | 134.2771% | 1,302 |
| Total domestic deposits to total assets | 91.9262% | 226 |
| Equity capital to assets | 7.2635% | 7,440 |
| Core capital (leverage) ratio | 7.1342% | 7,425 |
| Tier 1 risk-based capital ratio | 9.0656% | 7,668 |
| Total risk-based capital ratio | 10.3312% | 7,665 |
| Memoranda: | ||
| Average total assets | $136,354,670 | 4,253 |
| Average earning assets | $122,677,330 | 4,306 |
| Average equity | $10,473,000 | 5,224 |
| Average total loans | $112,384,670 | 3,710 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6886% | 3,863 |
| Cost of funding earning assets | 2.5140% | 1,865 |
| Net interest margin | 3.1746% | 5,940 |
| Noninterest income to average assets | 2.0924% | 338 |
| Noninterest expense to average assets | 4.9422% | 505 |
| Loan and lease loss provision to assets | 3.6838% | 273 |
| Net operating income to assets | -3.6868% | 7,946 |
| Return on assets (ROA) | -2.9353% | 7,836 |
| Pretax return on assets | -2.9353% | 7,737 |
| Return on Equity (ROE) | -37.1919% | 7,961 |
| Retained earnings to average equity (ytd only) | -37.1919% | 7,934 |
| Net charge-offs to loans | 1.4039% | 1,014 |
| Credit loss provision to net charge-offs | 313.2832% | 1,559 |
| Earnings coverage of net charge-offs (x) | -0.0025% | 4,981 |
| Efficiency ratio | 100.0597% | 1,124 |
| Assets per employee ($millions) | 2.7615% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3202% | 923 |
| Loan loss allowance to noncurrent loans | 58.6855% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 4.1681% | 1,213 |
| Noncurrent loans to loans | 3.9536% | 1,529 |
| Net loans and leases to total assets | 80.8610% | 1,225 |
| Net loans and leases to deposits | 88.0248% | 3,286 |
| Net loans and leases to core deposits | 133.7759% | 1,423 |
| Total domestic deposits to total assets | 91.8616% | 201 |
| Equity capital to assets | 7.3960% | 7,424 |
| Core capital (leverage) ratio | 7.3343% | 7,341 |
| Tier 1 risk-based capital ratio | 8.7456% | 7,895 |
| Total risk-based capital ratio | 10.0087% | 7,957 |
| Memoranda: | ||
| Average total assets | $135,729,000 | 4,294 |
| Average earning assets | $121,717,000 | 4,339 |
| Average equity | $10,712,000 | 5,181 |
| Average total loans | $113,683,500 | 3,705 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9803% | 1,186 |
| Cost of funding earning assets | 2.9653% | 2,004 |
| Net interest margin | 4.0150% | 3,050 |
| Noninterest income to average assets | 2.8748% | 212 |
| Noninterest expense to average assets | 5.3576% | 539 |
| Loan and lease loss provision to assets | 1.7631% | 720 |
| Net operating income to assets | -0.7056% | 7,066 |
| Return on assets (ROA) | -0.6609% | 6,936 |
| Pretax return on assets | -0.6601% | 6,777 |
| Return on Equity (ROE) | -7.7198% | 7,111 |
| Retained earnings to average equity (ytd only) | -10.4945% | 7,112 |
| Net charge-offs to loans | 1.4626% | 795 |
| Credit loss provision to net charge-offs | 149.7337% | 3,520 |
| Earnings coverage of net charge-offs (x) | 0.8988% | 5,685 |
| Efficiency ratio | 83.5044% | 2,113 |
| Assets per employee ($millions) | 2.5651% | 7,075 |
| Cash dividends to net income (ytd only)* | -35.9431% | 8,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 2,283 |
| Loan loss allowance to noncurrent loans | 53.2072% | 5,335 |
| Noncurrent assets plus other real estate owned to assets | 3.6444% | 1,202 |
| Noncurrent loans to loans | 2.9920% | 1,793 |
| Net loans and leases to total assets | 83.4186% | 973 |
| Net loans and leases to deposits | 100.5903% | 1,772 |
| Net loans and leases to core deposits | 115.1487% | 3,226 |
| Total domestic deposits to total assets | 82.9290% | 3,801 |
| Equity capital to assets | 8.4058% | 6,242 |
| Core capital (leverage) ratio | 8.3552% | 5,842 |
| Tier 1 risk-based capital ratio | 9.5280% | 7,277 |
| Total risk-based capital ratio | 10.7814% | 7,191 |
| Memoranda: | ||
| Average total assets | $127,556,200 | 4,335 |
| Average earning assets | $112,502,200 | 4,459 |
| Average equity | $10,920,000 | 5,146 |
| Average total loans | $102,694,000 | 3,878 |