| 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 | 6.7120% | 149 |
| Cost of funding earning assets | 1.9268% | 343 |
| Net interest margin | 4.7852% | 380 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 4.8225% | 241 |
| Loan and lease loss provision to assets | -0.5000% | 4,659 |
| Net operating income to assets | 0.4711% | 3,966 |
| Return on assets (ROA) | 0.4711% | 3,916 |
| Pretax return on assets | 0.5294% | 3,953 |
| Return on Equity (ROE) | 3.4400% | 4,126 |
| Retained earnings to average equity (ytd only) | 3.4415% | 3,401 |
| Net charge-offs to loans | -0.0792% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.3831% | 182 |
| Assets per employee ($millions) | 3.9600% | 4,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4689% | 1,374 |
| Loan loss allowance to noncurrent loans | 34.5639% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 3.4786% | 33 |
| Noncurrent loans to loans | 4.2499% | 79 |
| Net loans and leases to total assets | 80.3300% | 507 |
| Net loans and leases to deposits | 100.5107% | 423 |
| Net loans and leases to core deposits | 128.1688% | 301 |
| Total domestic deposits to total assets | 79.9200% | 3,771 |
| Equity capital to assets | 14.6302% | 514 |
| Core capital (leverage) ratio | 13.6996% | 791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4125% | 1,090 |
| Memoranda: |
| Average total assets | $253,891,000 | 2,705 |
| Average earning assets | $232,301,000 | 2,725 |
| Average equity | $34,752,500 | 2,088 |
| Average total loans | $202,116,000 | 2,291 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1570% | 238 |
| Cost of funding earning assets | 0.8796% | 274 |
| Net interest margin | 4.2774% | 448 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 4.9044% | 225 |
| Loan and lease loss provision to assets | -2.0800% | 4,708 |
| Net operating income to assets | 1.6827% | 555 |
| Return on assets (ROA) | 1.6326% | 603 |
| Pretax return on assets | 1.6576% | 1,020 |
| Return on Equity (ROE) | 14.7600% | 1,323 |
| Retained earnings to average equity (ytd only) | 14.7620% | 308 |
| Net charge-offs to loans | -1.0725% | 4,722 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 108.2685% | 97 |
| Assets per employee ($millions) | 4.2257% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9225% | 504 |
| Loan loss allowance to noncurrent loans | 50.5711% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 2.9600% | 46 |
| Noncurrent loans to loans | 3.8015% | 97 |
| Net loans and leases to total assets | 76.3700% | 974 |
| Net loans and leases to deposits | 92.7946% | 863 |
| Net loans and leases to core deposits | 119.2473% | 383 |
| Total domestic deposits to total assets | 82.3000% | 3,571 |
| Equity capital to assets | 12.8330% | 732 |
| Core capital (leverage) ratio | 13.4397% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1848% | 1,318 |
| Memoranda: |
| Average total assets | $283,538,600 | 2,536 |
| Average earning assets | $269,790,600 | 2,493 |
| Average equity | $31,357,600 | 2,278 |
| Average total loans | $220,426,600 | 2,108 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6195% | 410 |
| Cost of funding earning assets | 0.7686% | 177 |
| Net interest margin | 3.8509% | 881 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 4.8966% | 221 |
| Loan and lease loss provision to assets | -1.8900% | 4,748 |
| Net operating income to assets | 1.1165% | 2,017 |
| Return on assets (ROA) | 1.0523% | 2,242 |
| Pretax return on assets | 1.0662% | 2,826 |
| Return on Equity (ROE) | 9.8800% | 2,765 |
| Retained earnings to average equity (ytd only) | 9.8815% | 1,386 |
| Net charge-offs to loans | -0.8749% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 118.4671% | 72 |
| Assets per employee ($millions) | 4.0010% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2493% | 320 |
| Loan loss allowance to noncurrent loans | 58.3492% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 3.2836% | 40 |
| Noncurrent loans to loans | 3.8549% | 103 |
| Net loans and leases to total assets | 83.2600% | 301 |
| Net loans and leases to deposits | 96.0500% | 552 |
| Net loans and leases to core deposits | 110.9673% | 439 |
| Total domestic deposits to total assets | 86.6900% | 2,856 |
| Equity capital to assets | 12.4185% | 793 |
| Core capital (leverage) ratio | 12.4799% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3349% | 1,613 |
| Memoranda: |
| Average total assets | $287,868,250 | 2,532 |
| Average earning assets | $276,155,750 | 2,476 |
| Average equity | $30,656,000 | 2,338 |
| Average total loans | $223,712,000 | 2,087 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5543% | 344 |
| Cost of funding earning assets | 0.6821% | 173 |
| Net interest margin | 3.8722% | 650 |
| Noninterest income to average assets | 0.4664% | 2,367 |
| Noninterest expense to average assets | 4.7288% | 191 |
| Loan and lease loss provision to assets | -2.2441% | 4,771 |
| Net operating income to assets | 1.6830% | 444 |
| Return on assets (ROA) | 1.5901% | 547 |
| Pretax return on assets | 1.6042% | 925 |
| Return on Equity (ROE) | 15.6763% | 761 |
| Retained earnings to average equity (ytd only) | 15.6763% | 214 |
| Net charge-offs to loans | -1.3024% | 4,726 |
| Credit loss provision to net charge-offs | 227.9782% | 912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0567% | 106 |
| Assets per employee ($millions) | 4.2336% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6111% | 220 |
| Loan loss allowance to noncurrent loans | 180.2170% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1389% | 382 |
| Noncurrent loans to loans | 1.4489% | 519 |
| Net loans and leases to total assets | 76.5514% | 678 |
| Net loans and leases to deposits | 91.1600% | 651 |
| Net loans and leases to core deposits | 103.3088% | 537 |
| Total domestic deposits to total assets | 83.9748% | 3,689 |
| Equity capital to assets | 11.5878% | 1,003 |
| Core capital (leverage) ratio | 10.9908% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1866% | 692 |
| Memoranda: |
| Average total assets | $298,470,667 | 2,489 |
| Average earning assets | $286,453,333 | 2,451 |
| Average equity | $30,275,000 | 2,402 |
| Average total loans | $225,578,333 | 2,076 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1462% | 581 |
| Cost of funding earning assets | 0.6928% | 156 |
| Net interest margin | 3.4534% | 1,180 |
| Noninterest income to average assets | 0.4102% | 2,618 |
| Noninterest expense to average assets | 4.1791% | 244 |
| Loan and lease loss provision to assets | -0.5869% | 4,770 |
| Net operating income to assets | 0.0873% | 4,483 |
| Return on assets (ROA) | -0.0064% | 4,532 |
| Pretax return on assets | 0.0168% | 4,508 |
| Return on Equity (ROE) | -0.0679% | 4,533 |
| Retained earnings to average equity (ytd only) | -0.0679% | 4,019 |
| Net charge-offs to loans | -0.4413% | 4,701 |
| Credit loss provision to net charge-offs | 179.1339% | 809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1107% | 115 |
| Assets per employee ($millions) | 4.6669% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2371% | 128 |
| Loan loss allowance to noncurrent loans | 125.0384% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 2.2338% | 119 |
| Noncurrent loans to loans | 2.5889% | 226 |
| Net loans and leases to total assets | 72.1905% | 817 |
| Net loans and leases to deposits | 83.5245% | 917 |
| Net loans and leases to core deposits | 96.5526% | 632 |
| Total domestic deposits to total assets | 86.4303% | 3,127 |
| Equity capital to assets | 9.7137% | 2,115 |
| Core capital (leverage) ratio | 9.4353% | 2,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0419% | 1,033 |
| Memoranda: |
| Average total assets | $310,113,500 | 2,449 |
| Average earning assets | $297,913,000 | 2,400 |
| Average equity | $29,468,500 | 2,514 |
| Average total loans | $230,214,500 | 2,042 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3628% | 763 |
| Cost of funding earning assets | 0.9308% | 94 |
| Net interest margin | 3.4320% | 1,927 |
| Noninterest income to average assets | 1.3351% | 604 |
| Noninterest expense to average assets | 3.7742% | 358 |
| Loan and lease loss provision to assets | -0.0757% | 4,469 |
| Net operating income to assets | 0.8790% | 3,115 |
| Return on assets (ROA) | 0.8554% | 3,236 |
| Pretax return on assets | 0.8878% | 3,538 |
| Return on Equity (ROE) | 10.5405% | 2,334 |
| Retained earnings to average equity (ytd only) | 10.5405% | 796 |
| Net charge-offs to loans | 0.3652% | 231 |
| Credit loss provision to net charge-offs | -26.5641% | 3,204 |
| Earnings coverage of net charge-offs (x) | 2.9374% | 2,564 |
| Efficiency ratio | 81.8539% | 689 |
| Assets per employee ($millions) | 4.9513% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2151% | 123 |
| Loan loss allowance to noncurrent loans | 81.1012% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 2.9289% | 75 |
| Noncurrent loans to loans | 3.9643% | 105 |
| Net loans and leases to total assets | 71.5060% | 879 |
| Net loans and leases to deposits | 82.1770% | 1,052 |
| Net loans and leases to core deposits | 96.4664% | 671 |
| Total domestic deposits to total assets | 87.0147% | 2,512 |
| Equity capital to assets | 9.3003% | 3,322 |
| Core capital (leverage) ratio | 8.8757% | 3,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5116% | 1,160 |
| Memoranda: |
| Average total assets | $342,295,600 | 2,233 |
| Average earning assets | $326,720,000 | 2,202 |
| Average equity | $27,778,600 | 2,663 |
| Average total loans | $266,951,000 | 1,850 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3004% | 948 |
| Cost of funding earning assets | 0.9903% | 90 |
| Net interest margin | 3.3101% | 2,392 |
| Noninterest income to average assets | 1.6138% | 481 |
| Noninterest expense to average assets | 3.7125% | 366 |
| Loan and lease loss provision to assets | 0.0628% | 1,743 |
| Net operating income to assets | 0.9518% | 3,072 |
| Return on assets (ROA) | 0.9331% | 3,217 |
| Pretax return on assets | 0.9725% | 3,538 |
| Return on Equity (ROE) | 11.8925% | 2,086 |
| Retained earnings to average equity (ytd only) | 11.8925% | 851 |
| Net charge-offs to loans | 0.5044% | 155 |
| Credit loss provision to net charge-offs | 15.7541% | 2,004 |
| Earnings coverage of net charge-offs (x) | 2.6494% | 2,339 |
| Efficiency ratio | 77.8758% | 884 |
| Assets per employee ($millions) | 5.2394% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.1329% | 137 |
| Loan loss allowance to noncurrent loans | 81.6084% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 2.8371% | 96 |
| Noncurrent loans to loans | 3.8390% | 141 |
| Net loans and leases to total assets | 71.5861% | 912 |
| Net loans and leases to deposits | 81.4616% | 1,157 |
| Net loans and leases to core deposits | 93.1970% | 861 |
| Total domestic deposits to total assets | 87.8771% | 1,916 |
| Equity capital to assets | 8.5468% | 4,180 |
| Core capital (leverage) ratio | 8.3056% | 4,207 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5074% | 1,482 |
| Memoranda: |
| Average total assets | $348,649,250 | 2,226 |
| Average earning assets | $332,144,750 | 2,201 |
| Average equity | $27,355,500 | 2,718 |
| Average total loans | $275,159,750 | 1,846 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4156% | 837 |
| Cost of funding earning assets | 1.0531% | 86 |
| Net interest margin | 3.3625% | 2,265 |
| Noninterest income to average assets | 0.8117% | 1,508 |
| Noninterest expense to average assets | 3.8737% | 317 |
| Loan and lease loss provision to assets | -0.1309% | 4,684 |
| Net operating income to assets | 0.2357% | 4,599 |
| Return on assets (ROA) | 0.2203% | 4,628 |
| Pretax return on assets | 0.2453% | 4,640 |
| Return on Equity (ROE) | 2.8911% | 4,494 |
| Retained earnings to average equity (ytd only) | 2.8911% | 3,870 |
| Net charge-offs to loans | 0.4290% | 197 |
| Credit loss provision to net charge-offs | -37.8913% | 2,963 |
| Earnings coverage of net charge-offs (x) | 0.3806% | 2,193 |
| Efficiency ratio | 96.7169% | 207 |
| Assets per employee ($millions) | 5.6638% | 2,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.9613% | 159 |
| Loan loss allowance to noncurrent loans | 79.8489% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 2.7381% | 111 |
| Noncurrent loans to loans | 3.7087% | 162 |
| Net loans and leases to total assets | 71.6428% | 1,010 |
| Net loans and leases to deposits | 80.9548% | 1,333 |
| Net loans and leases to core deposits | 95.6216% | 826 |
| Total domestic deposits to total assets | 88.4973% | 1,564 |
| Equity capital to assets | 7.4641% | 4,747 |
| Core capital (leverage) ratio | 7.3110% | 4,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8393% | 2,034 |
| Memoranda: |
| Average total assets | $351,345,000 | 2,203 |
| Average earning assets | $333,677,333 | 2,177 |
| Average equity | $26,771,667 | 2,761 |
| Average total loans | $282,986,333 | 1,814 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2828% | 1,067 |
| Cost of funding earning assets | 1.0844% | 93 |
| Net interest margin | 3.1983% | 2,701 |
| Noninterest income to average assets | 0.5344% | 2,462 |
| Noninterest expense to average assets | 3.3779% | 539 |
| Loan and lease loss provision to assets | 0.2036% | 594 |
| Net operating income to assets | -0.0370% | 4,785 |
| Return on assets (ROA) | -0.0891% | 4,810 |
| Pretax return on assets | -0.0694% | 4,805 |
| Return on Equity (ROE) | -1.1566% | 4,831 |
| Retained earnings to average equity (ytd only) | -1.1566% | 4,481 |
| Net charge-offs to loans | 0.1583% | 500 |
| Credit loss provision to net charge-offs | 153.0435% | 976 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 1,851 |
| Efficiency ratio | 94.7744% | 274 |
| Assets per employee ($millions) | 5.8126% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0269% | 143 |
| Loan loss allowance to noncurrent loans | 83.3932% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 2.9358% | 103 |
| Noncurrent loans to loans | 3.6297% | 170 |
| Net loans and leases to total assets | 78.4344% | 441 |
| Net loans and leases to deposits | 87.8825% | 837 |
| Net loans and leases to core deposits | 106.2080% | 505 |
| Total domestic deposits to total assets | 89.2491% | 1,201 |
| Equity capital to assets | 7.3783% | 4,749 |
| Core capital (leverage) ratio | 7.6845% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9087% | 2,320 |
| Memoranda: |
| Average total assets | $345,777,500 | 2,209 |
| Average earning assets | $327,545,000 | 2,182 |
| Average equity | $26,629,500 | 2,757 |
| Average total loans | $290,671,500 | 1,789 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6285% | 1,047 |
| Cost of funding earning assets | 1.7347% | 30 |
| Net interest margin | 2.8939% | 4,118 |
| Noninterest income to average assets | 0.3063% | 3,647 |
| Noninterest expense to average assets | 4.1480% | 327 |
| Loan and lease loss provision to assets | 1.1376% | 64 |
| Net operating income to assets | -0.9002% | 4,919 |
| Return on assets (ROA) | -0.9022% | 4,925 |
| Pretax return on assets | -2.2410% | 4,963 |
| Return on Equity (ROE) | -11.2749% | 4,952 |
| Retained earnings to average equity (ytd only) | -11.2749% | 4,923 |
| Net charge-offs to loans | 1.3089% | 86 |
| Credit loss provision to net charge-offs | 108.3485% | 2,738 |
| Earnings coverage of net charge-offs (x) | -1.0485% | 3,352 |
| Efficiency ratio | 123.7202% | 70 |
| Assets per employee ($millions) | 5.5196% | 2,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0228% | 144 |
| Loan loss allowance to noncurrent loans | 100.2517% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 2.6391% | 164 |
| Noncurrent loans to loans | 3.0153% | 282 |
| Net loans and leases to total assets | 84.8784% | 137 |
| Net loans and leases to deposits | 96.1354% | 548 |
| Net loans and leases to core deposits | 114.1627% | 404 |
| Total domestic deposits to total assets | 88.2905% | 1,332 |
| Equity capital to assets | 8.0528% | 4,689 |
| Core capital (leverage) ratio | 7.7177% | 4,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5194% | 2,438 |
| Memoranda: |
| Average total assets | $367,336,400 | 1,970 |
| Average earning assets | $347,908,800 | 1,943 |
| Average equity | $29,392,800 | 2,509 |
| Average total loans | $294,664,000 | 1,703 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6084% | 1,280 |
| Cost of funding earning assets | 1.8828% | 23 |
| Net interest margin | 2.7256% | 4,436 |
| Noninterest income to average assets | 0.3015% | 3,679 |
| Noninterest expense to average assets | 4.3958% | 267 |
| Loan and lease loss provision to assets | 0.9735% | 154 |
| Net operating income to assets | -0.7407% | 4,920 |
| Return on assets (ROA) | -0.7407% | 4,929 |
| Pretax return on assets | -2.4833% | 4,994 |
| Return on Equity (ROE) | -9.2703% | 4,960 |
| Retained earnings to average equity (ytd only) | -9.2703% | 4,920 |
| Net charge-offs to loans | 1.3754% | 87 |
| Credit loss provision to net charge-offs | 90.0393% | 2,698 |
| Earnings coverage of net charge-offs (x) | -1.3965% | 3,162 |
| Efficiency ratio | 135.2645% | 53 |
| Assets per employee ($millions) | 5.8851% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7792% | 170 |
| Loan loss allowance to noncurrent loans | 87.9472% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 2.5769% | 202 |
| Noncurrent loans to loans | 3.1600% | 283 |
| Net loans and leases to total assets | 79.2814% | 680 |
| Net loans and leases to deposits | 89.7111% | 1,297 |
| Net loans and leases to core deposits | 103.0154% | 981 |
| Total domestic deposits to total assets | 88.3741% | 1,025 |
| Equity capital to assets | 7.8361% | 4,767 |
| Core capital (leverage) ratio | 7.6674% | 4,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7870% | 2,291 |
| Memoranda: |
| Average total assets | $376,376,500 | 1,917 |
| Average earning assets | $356,902,500 | 1,893 |
| Average equity | $30,073,750 | 2,470 |
| Average total loans | $295,865,250 | 1,696 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6575% | 1,519 |
| Cost of funding earning assets | 2.1078% | 12 |
| Net interest margin | 2.5497% | 4,697 |
| Noninterest income to average assets | 0.1617% | 4,483 |
| Noninterest expense to average assets | 3.9720% | 419 |
| Loan and lease loss provision to assets | 1.2952% | 119 |
| Net operating income to assets | -0.1089% | 4,832 |
| Return on assets (ROA) | -0.1089% | 4,836 |
| Pretax return on assets | -2.6836% | 5,025 |
| Return on Equity (ROE) | -1.3541% | 4,857 |
| Retained earnings to average equity (ytd only) | -1.3541% | 4,523 |
| Net charge-offs to loans | 1.9393% | 67 |
| Credit loss provision to net charge-offs | 85.9673% | 2,482 |
| Earnings coverage of net charge-offs (x) | -0.9215% | 2,953 |
| Efficiency ratio | 153.7371% | 40 |
| Assets per employee ($millions) | 5.9264% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7012% | 181 |
| Loan loss allowance to noncurrent loans | 84.0586% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 2.5605% | 215 |
| Noncurrent loans to loans | 3.2135% | 275 |
| Net loans and leases to total assets | 77.5271% | 914 |
| Net loans and leases to deposits | 87.7693% | 1,582 |
| Net loans and leases to core deposits | 102.7285% | 1,081 |
| Total domestic deposits to total assets | 88.3306% | 1,028 |
| Equity capital to assets | 8.0182% | 4,708 |
| Core capital (leverage) ratio | 7.2560% | 4,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7971% | 2,274 |
| Memoranda: |
| Average total assets | $382,171,333 | 1,884 |
| Average earning assets | $363,025,000 | 1,843 |
| Average equity | $30,721,333 | 2,428 |
| Average total loans | $296,903,667 | 1,679 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0071% | 950 |
| Cost of funding earning assets | 2.1616% | 15 |
| Net interest margin | 2.8455% | 4,507 |
| Noninterest income to average assets | 0.1747% | 4,495 |
| Noninterest expense to average assets | 4.5532% | 289 |
| Loan and lease loss provision to assets | 0.2956% | 1,046 |
| Net operating income to assets | 2.2565% | 165 |
| Return on assets (ROA) | 2.2565% | 183 |
| Pretax return on assets | -1.9650% | 5,025 |
| Return on Equity (ROE) | 26.6944% | 50 |
| Retained earnings to average equity (ytd only) | 26.6944% | 24 |
| Net charge-offs to loans | 0.8604% | 172 |
| Credit loss provision to net charge-offs | 44.8276% | 2,074 |
| Earnings coverage of net charge-offs (x) | -2.5313% | 2,506 |
| Efficiency ratio | 157.8853% | 47 |
| Assets per employee ($millions) | 6.0873% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7556% | 187 |
| Loan loss allowance to noncurrent loans | 88.8498% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 2.3737% | 307 |
| Noncurrent loans to loans | 3.1014% | 337 |
| Net loans and leases to total assets | 74.4256% | 1,545 |
| Net loans and leases to deposits | 85.4485% | 2,065 |
| Net loans and leases to core deposits | 104.2897% | 1,171 |
| Total domestic deposits to total assets | 87.0999% | 1,519 |
| Equity capital to assets | 8.8256% | 4,679 |
| Core capital (leverage) ratio | 8.5647% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9688% | 1,916 |
| Memoranda: |
| Average total assets | $386,976,500 | 1,814 |
| Average earning assets | $368,436,000 | 1,786 |
| Average equity | $32,711,000 | 2,317 |
| Average total loans | $296,609,500 | 1,658 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6196% | 461 |
| Cost of funding earning assets | 2.2616% | 16 |
| Net interest margin | 3.3579% | 3,860 |
| Noninterest income to average assets | 0.5471% | 2,504 |
| Noninterest expense to average assets | 4.6867% | 261 |
| Loan and lease loss provision to assets | 2.9439% | 26 |
| Net operating income to assets | -4.0478% | 5,157 |
| Return on assets (ROA) | -4.0478% | 5,157 |
| Pretax return on assets | -3.8664% | 5,153 |
| Return on Equity (ROE) | -40.4327% | 5,169 |
| Retained earnings to average equity (ytd only) | -40.4327% | 5,166 |
| Net charge-offs to loans | 2.5180% | 46 |
| Credit loss provision to net charge-offs | 149.6564% | 1,714 |
| Earnings coverage of net charge-offs (x) | -0.4690% | 3,644 |
| Efficiency ratio | 124.5070% | 68 |
| Assets per employee ($millions) | 5.8266% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8394% | 148 |
| Loan loss allowance to noncurrent loans | 159.4529% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 1.3722% | 771 |
| Noncurrent loans to loans | 1.7807% | 760 |
| Net loans and leases to total assets | 74.5932% | 1,654 |
| Net loans and leases to deposits | 84.4065% | 2,294 |
| Net loans and leases to core deposits | 107.7465% | 990 |
| Total domestic deposits to total assets | 88.3737% | 952 |
| Equity capital to assets | 8.1082% | 5,037 |
| Core capital (leverage) ratio | 7.1802% | 5,131 |
| Tier 1 risk-based capital ratio | 9.6969% | 5,149 |
| Total risk-based capital ratio | 14.2290% | 3,678 |
| Memoranda: |
| Average total assets | $421,686,600 | 1,659 |
| Average earning assets | $403,997,400 | 1,610 |
| Average equity | $42,215,800 | 1,847 |
| Average total loans | $329,430,800 | 1,501 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6499% | 451 |
| Cost of funding earning assets | 2.2038% | 25 |
| Net interest margin | 3.4461% | 3,743 |
| Noninterest income to average assets | 0.6317% | 2,066 |
| Noninterest expense to average assets | 4.3981% | 332 |
| Loan and lease loss provision to assets | 1.7868% | 49 |
| Net operating income to assets | -2.4936% | 5,220 |
| Return on assets (ROA) | -2.4936% | 5,220 |
| Pretax return on assets | -2.2499% | 5,212 |
| Return on Equity (ROE) | -23.8770% | 5,234 |
| Retained earnings to average equity (ytd only) | -23.8770% | 5,220 |
| Net charge-offs to loans | 1.4787% | 87 |
| Credit loss provision to net charge-offs | 154.0685% | 1,596 |
| Earnings coverage of net charge-offs (x) | -0.3994% | 3,387 |
| Efficiency ratio | 111.7703% | 100 |
| Assets per employee ($millions) | 5.8455% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9240% | 541 |
| Loan loss allowance to noncurrent loans | 103.7211% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 1.3913% | 842 |
| Noncurrent loans to loans | 1.8550% | 758 |
| Net loans and leases to total assets | 73.5600% | 1,907 |
| Net loans and leases to deposits | 84.2022% | 2,431 |
| Net loans and leases to core deposits | 100.2743% | 1,638 |
| Total domestic deposits to total assets | 87.3612% | 1,338 |
| Equity capital to assets | 9.1415% | 4,703 |
| Core capital (leverage) ratio | 8.6118% | 4,883 |
| Tier 1 risk-based capital ratio | 11.2830% | 4,768 |
| Total risk-based capital ratio | 15.4624% | 3,121 |
| Memoranda: |
| Average total assets | $429,512,500 | 1,640 |
| Average earning assets | $411,700,000 | 1,586 |
| Average equity | $44,856,500 | 1,764 |
| Average total loans | $336,861,250 | 1,480 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6756% | 424 |
| Cost of funding earning assets | 2.0928% | 38 |
| Net interest margin | 3.5828% | 3,322 |
| Noninterest income to average assets | 0.7292% | 1,603 |
| Noninterest expense to average assets | 4.0895% | 481 |
| Loan and lease loss provision to assets | 1.2836% | 70 |
| Net operating income to assets | -0.8507% | 5,214 |
| Return on assets (ROA) | -0.8507% | 5,218 |
| Pretax return on assets | -1.2143% | 5,233 |
| Return on Equity (ROE) | -7.8061% | 5,226 |
| Retained earnings to average equity (ytd only) | -7.8061% | 5,132 |
| Net charge-offs to loans | 1.0571% | 131 |
| Credit loss provision to net charge-offs | 152.4902% | 1,467 |
| Earnings coverage of net charge-offs (x) | 0.0823% | 3,104 |
| Efficiency ratio | 98.3350% | 173 |
| Assets per employee ($millions) | 4.9813% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5443% | 1,151 |
| Loan loss allowance to noncurrent loans | 56.5531% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 2.1996% | 383 |
| Noncurrent loans to loans | 2.7307% | 394 |
| Net loans and leases to total assets | 79.3076% | 999 |
| Net loans and leases to deposits | 92.3673% | 1,449 |
| Net loans and leases to core deposits | 114.9246% | 731 |
| Total domestic deposits to total assets | 85.8611% | 2,107 |
| Equity capital to assets | 10.9152% | 3,161 |
| Core capital (leverage) ratio | 10.5930% | 2,989 |
| Tier 1 risk-based capital ratio | 12.3898% | 4,190 |
| Total risk-based capital ratio | 16.4152% | 2,696 |
| Memoranda: |
| Average total assets | $424,597,000 | 1,659 |
| Average earning assets | $406,440,670 | 1,606 |
| Average equity | $46,271,330 | 1,708 |
| Average total loans | $338,079,000 | 1,481 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5589% | 470 |
| Cost of funding earning assets | 2.0347% | 46 |
| Net interest margin | 3.5242% | 3,522 |
| Noninterest income to average assets | 0.5867% | 2,109 |
| Noninterest expense to average assets | 4.0738% | 483 |
| Loan and lease loss provision to assets | -0.1694% | 5,309 |
| Net operating income to assets | 0.1542% | 5,051 |
| Return on assets (ROA) | 0.1542% | 5,056 |
| Pretax return on assets | 0.0587% | 5,119 |
| Return on Equity (ROE) | 1.4166% | 5,034 |
| Retained earnings to average equity (ytd only) | 1.4166% | 4,216 |
| Net charge-offs to loans | -0.0287% | 4,628 |
| Credit loss provision to net charge-offs | 745.8333% | 472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7937% | 146 |
| Assets per employee ($millions) | 4.9197% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2373% | 2,394 |
| Loan loss allowance to noncurrent loans | 39.5076% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.5640% | 293 |
| Noncurrent loans to loans | 3.1318% | 332 |
| Net loans and leases to total assets | 80.8561% | 728 |
| Net loans and leases to deposits | 94.3126% | 1,138 |
| Net loans and leases to core deposits | 125.0346% | 404 |
| Total domestic deposits to total assets | 85.7321% | 2,393 |
| Equity capital to assets | 11.0628% | 2,787 |
| Core capital (leverage) ratio | 10.5846% | 2,960 |
| Tier 1 risk-based capital ratio | 12.5901% | 4,110 |
| Total risk-based capital ratio | 16.6567% | 2,611 |
| Memoranda: |
| Average total assets | $422,699,000 | 1,671 |
| Average earning assets | $404,973,500 | 1,617 |
| Average equity | $46,027,000 | 1,704 |
| Average total loans | $334,580,000 | 1,501 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4844% | 417 |
| Cost of funding earning assets | 1.7002% | 44 |
| Net interest margin | 3.7843% | 2,726 |
| Noninterest income to average assets | 1.7395% | 324 |
| Noninterest expense to average assets | 3.7304% | 743 |
| Loan and lease loss provision to assets | 1.0633% | 80 |
| Net operating income to assets | 0.4526% | 4,762 |
| Return on assets (ROA) | 0.4526% | 4,760 |
| Pretax return on assets | 0.5744% | 4,675 |
| Return on Equity (ROE) | 4.1946% | 4,660 |
| Retained earnings to average equity (ytd only) | 3.0412% | 3,875 |
| Net charge-offs to loans | 1.5011% | 76 |
| Credit loss provision to net charge-offs | 85.8231% | 2,772 |
| Earnings coverage of net charge-offs (x) | 1.3218% | 3,636 |
| Efficiency ratio | 69.4511% | 2,296 |
| Assets per employee ($millions) | 5.6213% | 1,842 |
| Cash dividends to net income (ytd only)* | 27.4973% | 3,150 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3436% | 1,857 |
| Loan loss allowance to noncurrent loans | 56.6288% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.8150% | 564 |
| Noncurrent loans to loans | 2.3727% | 533 |
| Net loans and leases to total assets | 75.4671% | 1,702 |
| Net loans and leases to deposits | 87.2063% | 2,143 |
| Net loans and leases to core deposits | 118.6975% | 594 |
| Total domestic deposits to total assets | 86.5386% | 1,996 |
| Equity capital to assets | 10.7185% | 2,958 |
| Core capital (leverage) ratio | 10.5365% | 2,980 |
| Tier 1 risk-based capital ratio | 12.7786% | 3,974 |
| Total risk-based capital ratio | 16.9520% | 2,456 |
| Memoranda: |
| Average total assets | $402,526,800 | 1,705 |
| Average earning assets | $385,964,000 | 1,642 |
| Average equity | $43,436,800 | 1,721 |
| Average total loans | $332,234,000 | 1,473 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4405% | 408 |
| Cost of funding earning assets | 1.6102% | 42 |
| Net interest margin | 3.8303% | 2,527 |
| Noninterest income to average assets | 1.8337% | 314 |
| Noninterest expense to average assets | 3.6485% | 797 |
| Loan and lease loss provision to assets | 1.5037% | 46 |
| Net operating income to assets | 0.2587% | 5,143 |
| Return on assets (ROA) | 0.2587% | 5,139 |
| Pretax return on assets | 0.3535% | 5,086 |
| Return on Equity (ROE) | 2.3929% | 5,084 |
| Retained earnings to average equity (ytd only) | 0.8339% | 4,896 |
| Net charge-offs to loans | 1.9241% | 50 |
| Credit loss provision to net charge-offs | 92.8542% | 2,389 |
| Earnings coverage of net charge-offs (x) | 1.1469% | 3,373 |
| Efficiency ratio | 66.2308% | 2,822 |
| Assets per employee ($millions) | 5.8031% | 1,639 |
| Cash dividends to net income (ytd only)* | 65.1491% | 1,011 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4515% | 1,515 |
| Loan loss allowance to noncurrent loans | 66.5174% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.7105% | 715 |
| Noncurrent loans to loans | 2.1822% | 651 |
| Net loans and leases to total assets | 77.2488% | 1,457 |
| Net loans and leases to deposits | 89.4991% | 1,961 |
| Net loans and leases to core deposits | 110.0851% | 1,027 |
| Total domestic deposits to total assets | 86.3125% | 2,052 |
| Equity capital to assets | 10.5781% | 3,066 |
| Core capital (leverage) ratio | 10.4785% | 3,103 |
| Tier 1 risk-based capital ratio | 12.3312% | 4,298 |
| Total risk-based capital ratio | 16.5160% | 2,679 |
| Memoranda: |
| Average total assets | $396,353,000 | 1,732 |
| Average earning assets | $379,979,250 | 1,680 |
| Average equity | $42,848,000 | 1,746 |
| Average total loans | $333,591,750 | 1,468 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3511% | 429 |
| Cost of funding earning assets | 1.5031% | 55 |
| Net interest margin | 3.8479% | 2,392 |
| Noninterest income to average assets | 1.9589% | 284 |
| Noninterest expense to average assets | 3.7750% | 686 |
| Loan and lease loss provision to assets | 2.6568% | 24 |
| Net operating income to assets | -0.5781% | 5,447 |
| Return on assets (ROA) | -0.5781% | 5,441 |
| Pretax return on assets | -0.7868% | 5,456 |
| Return on Equity (ROE) | -5.3069% | 5,443 |
| Retained earnings to average equity (ytd only) | -7.6702% | 5,375 |
| Net charge-offs to loans | 2.7752% | 34 |
| Credit loss provision to net charge-offs | 111.0157% | 1,885 |
| Earnings coverage of net charge-offs (x) | 0.7814% | 3,104 |
| Efficiency ratio | 66.8366% | 2,847 |
| Assets per employee ($millions) | 5.5516% | 1,843 |
| Cash dividends to net income (ytd only)* | -44.5333% | 5,520 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6440% | 1,002 |
| Loan loss allowance to noncurrent loans | 72.6437% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 1.9324% | 569 |
| Noncurrent loans to loans | 2.2631% | 604 |
| Net loans and leases to total assets | 83.9833% | 462 |
| Net loans and leases to deposits | 97.0090% | 1,038 |
| Net loans and leases to core deposits | 117.7268% | 641 |
| Total domestic deposits to total assets | 86.5726% | 2,026 |
| Equity capital to assets | 10.3091% | 3,328 |
| Core capital (leverage) ratio | 10.0682% | 3,504 |
| Tier 1 risk-based capital ratio | 11.3546% | 4,868 |
| Total risk-based capital ratio | 15.5187% | 3,144 |
| Memoranda: |
| Average total assets | $389,195,670 | 1,772 |
| Average earning assets | $372,823,000 | 1,715 |
| Average equity | $42,398,000 | 1,771 |
| Average total loans | $335,616,000 | 1,460 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4782% | 289 |
| Cost of funding earning assets | 1.3962% | 57 |
| Net interest margin | 4.0820% | 1,483 |
| Noninterest income to average assets | 2.1806% | 243 |
| Noninterest expense to average assets | 4.1861% | 418 |
| Loan and lease loss provision to assets | 0.3813% | 305 |
| Net operating income to assets | 1.1200% | 2,333 |
| Return on assets (ROA) | 1.1200% | 2,352 |
| Pretax return on assets | 1.5242% | 1,618 |
| Return on Equity (ROE) | 10.0015% | 2,425 |
| Retained earnings to average equity (ytd only) | 10.0015% | 1,152 |
| Net charge-offs to loans | 0.6251% | 241 |
| Credit loss provision to net charge-offs | 70.3846% | 1,824 |
| Earnings coverage of net charge-offs (x) | 3.5173% | 2,381 |
| Efficiency ratio | 68.6848% | 2,719 |
| Assets per employee ($millions) | 6.0464% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4600% | 1,617 |
| Loan loss allowance to noncurrent loans | 116.3842% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 1.1430% | 1,346 |
| Noncurrent loans to loans | 1.2545% | 1,439 |
| Net loans and leases to total assets | 86.2314% | 241 |
| Net loans and leases to deposits | 100.7996% | 651 |
| Net loans and leases to core deposits | 125.1436% | 443 |
| Total domestic deposits to total assets | 85.5474% | 2,734 |
| Equity capital to assets | 11.2681% | 2,332 |
| Core capital (leverage) ratio | 11.0461% | 2,392 |
| Tier 1 risk-based capital ratio | 12.1357% | 4,468 |
| Total risk-based capital ratio | 16.3227% | 2,773 |
| Memoranda: |
| Average total assets | $383,937,000 | 1,806 |
| Average earning assets | $367,858,500 | 1,756 |
| Average equity | $42,993,500 | 1,752 |
| Average total loans | $332,772,500 | 1,476 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3679% | 323 |
| Cost of funding earning assets | 1.2995% | 52 |
| Net interest margin | 4.0684% | 1,535 |
| Noninterest income to average assets | 2.3705% | 234 |
| Noninterest expense to average assets | 4.2515% | 393 |
| Loan and lease loss provision to assets | 0.5981% | 212 |
| Net operating income to assets | 0.7416% | 3,419 |
| Return on assets (ROA) | 0.7416% | 3,463 |
| Pretax return on assets | 1.3981% | 1,997 |
| Return on Equity (ROE) | 6.4116% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.4116% | 1,328 |
| Net charge-offs to loans | 0.5781% | 397 |
| Credit loss provision to net charge-offs | 124.3772% | 2,110 |
| Earnings coverage of net charge-offs (x) | 4.1512% | 3,510 |
| Efficiency ratio | 68.0073% | 2,892 |
| Assets per employee ($millions) | 5.3638% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5594% | 1,246 |
| Loan loss allowance to noncurrent loans | 149.2826% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,732 |
| Noncurrent loans to loans | 1.0446% | 1,705 |
| Net loans and leases to total assets | 84.5038% | 395 |
| Net loans and leases to deposits | 98.7935% | 840 |
| Net loans and leases to core deposits | 127.8738% | 391 |
| Total domestic deposits to total assets | 85.5358% | 2,643 |
| Equity capital to assets | 11.1861% | 2,442 |
| Core capital (leverage) ratio | 10.9696% | 2,366 |
| Tier 1 risk-based capital ratio | 12.2630% | 4,357 |
| Total risk-based capital ratio | 16.5492% | 2,639 |
| Memoranda: |
| Average total assets | $350,606,800 | 1,913 |
| Average earning assets | $334,137,000 | 1,872 |
| Average equity | $40,551,600 | 1,839 |
| Average total loans | $291,630,600 | 1,606 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3308% | 327 |
| Cost of funding earning assets | 1.2756% | 52 |
| Net interest margin | 4.0552% | 1,522 |
| Noninterest income to average assets | 2.2667% | 252 |
| Noninterest expense to average assets | 4.1454% | 433 |
| Loan and lease loss provision to assets | 0.6316% | 175 |
| Net operating income to assets | 0.8271% | 3,403 |
| Return on assets (ROA) | 0.8271% | 3,439 |
| Pretax return on assets | 1.3483% | 2,293 |
| Return on Equity (ROE) | 7.0862% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.0862% | 1,650 |
| Net charge-offs to loans | 0.5686% | 353 |
| Credit loss provision to net charge-offs | 134.7430% | 1,828 |
| Earnings coverage of net charge-offs (x) | 4.2239% | 3,253 |
| Efficiency ratio | 67.6332% | 2,942 |
| Assets per employee ($millions) | 5.3372% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7079% | 1,016 |
| Loan loss allowance to noncurrent loans | 113.2904% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 1.2238% | 1,337 |
| Noncurrent loans to loans | 1.5075% | 1,238 |
| Net loans and leases to total assets | 79.7943% | 1,013 |
| Net loans and leases to deposits | 93.9137% | 1,311 |
| Net loans and leases to core deposits | 120.4934% | 576 |
| Total domestic deposits to total assets | 84.9656% | 2,725 |
| Equity capital to assets | 11.3328% | 2,544 |
| Core capital (leverage) ratio | 11.3902% | 2,112 |
| Tier 1 risk-based capital ratio | 12.9403% | 4,053 |
| Total risk-based capital ratio | 17.4322% | 2,377 |
| Memoranda: |
| Average total assets | $343,051,250 | 1,962 |
| Average earning assets | $326,423,000 | 1,923 |
| Average equity | $40,039,500 | 1,873 |
| Average total loans | $282,810,000 | 1,652 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3300% | 314 |
| Cost of funding earning assets | 1.2572% | 46 |
| Net interest margin | 4.0728% | 1,396 |
| Noninterest income to average assets | 2.3392% | 249 |
| Noninterest expense to average assets | 4.3198% | 362 |
| Loan and lease loss provision to assets | 0.6006% | 185 |
| Net operating income to assets | 0.7907% | 3,439 |
| Return on assets (ROA) | 0.7907% | 3,497 |
| Pretax return on assets | 1.2891% | 2,431 |
| Return on Equity (ROE) | 6.7031% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.7031% | 1,739 |
| Net charge-offs to loans | 0.2660% | 767 |
| Credit loss provision to net charge-offs | 272.3577% | 1,026 |
| Earnings coverage of net charge-offs (x) | 8.5691% | 2,497 |
| Efficiency ratio | 69.5284% | 2,762 |
| Assets per employee ($millions) | 4.9411% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8370% | 822 |
| Loan loss allowance to noncurrent loans | 81.1433% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.9241% | 683 |
| Noncurrent loans to loans | 2.2639% | 708 |
| Net loans and leases to total assets | 83.4301% | 493 |
| Net loans and leases to deposits | 98.9815% | 812 |
| Net loans and leases to core deposits | 130.6539% | 297 |
| Total domestic deposits to total assets | 84.2886% | 3,094 |
| Equity capital to assets | 11.9022% | 2,000 |
| Core capital (leverage) ratio | 11.6983% | 1,829 |
| Tier 1 risk-based capital ratio | 12.9515% | 4,030 |
| Total risk-based capital ratio | 17.5343% | 2,341 |
| Memoranda: |
| Average total assets | $334,645,670 | 2,004 |
| Average earning assets | $318,009,330 | 1,964 |
| Average equity | $39,474,330 | 1,896 |
| Average total loans | $277,425,670 | 1,675 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4083% | 267 |
| Cost of funding earning assets | 1.2358% | 50 |
| Net interest margin | 4.1726% | 1,044 |
| Noninterest income to average assets | 2.1526% | 285 |
| Noninterest expense to average assets | 4.4549% | 345 |
| Loan and lease loss provision to assets | 0.4452% | 240 |
| Net operating income to assets | 0.7433% | 3,506 |
| Return on assets (ROA) | 0.7433% | 3,559 |
| Pretax return on assets | 1.2127% | 2,543 |
| Return on Equity (ROE) | 6.3306% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.3306% | 2,172 |
| Net charge-offs to loans | 0.1652% | 985 |
| Credit loss provision to net charge-offs | 329.4643% | 741 |
| Earnings coverage of net charge-offs (x) | 12.2679% | 1,846 |
| Efficiency ratio | 72.8385% | 2,435 |
| Assets per employee ($millions) | 4.8400% | 2,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7826% | 989 |
| Loan loss allowance to noncurrent loans | 99.8990% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.5037% | 1,065 |
| Noncurrent loans to loans | 1.7844% | 1,054 |
| Net loans and leases to total assets | 82.7657% | 486 |
| Net loans and leases to deposits | 98.0304% | 771 |
| Net loans and leases to core deposits | 128.8979% | 278 |
| Total domestic deposits to total assets | 84.4286% | 3,319 |
| Equity capital to assets | 11.9354% | 1,887 |
| Core capital (leverage) ratio | 11.6154% | 1,870 |
| Tier 1 risk-based capital ratio | 13.4136% | 3,828 |
| Total risk-based capital ratio | 18.2274% | 2,142 |
| Memoranda: |
| Average total assets | $331,500,000 | 2,035 |
| Average earning assets | $314,625,000 | 1,998 |
| Average equity | $38,922,000 | 1,923 |
| Average total loans | $271,255,000 | 1,721 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3708% | 311 |
| Cost of funding earning assets | 1.2881% | 34 |
| Net interest margin | 4.0827% | 1,423 |
| Noninterest income to average assets | 0.8611% | 1,538 |
| Noninterest expense to average assets | 4.6346% | 338 |
| Loan and lease loss provision to assets | 0.7291% | 162 |
| Net operating income to assets | -0.3948% | 5,762 |
| Return on assets (ROA) | -0.3948% | 5,772 |
| Pretax return on assets | -0.6537% | 5,802 |
| Return on Equity (ROE) | -3.1662% | 5,758 |
| Retained earnings to average equity (ytd only) | -3.1662% | 5,593 |
| Net charge-offs to loans | 0.7815% | 264 |
| Credit loss provision to net charge-offs | 118.1865% | 2,244 |
| Earnings coverage of net charge-offs (x) | 0.1223% | 4,129 |
| Efficiency ratio | 98.3441% | 244 |
| Assets per employee ($millions) | 4.4000% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7676% | 1,007 |
| Loan loss allowance to noncurrent loans | 139.8270% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 1.0024% | 1,891 |
| Noncurrent loans to loans | 1.2641% | 1,623 |
| Net loans and leases to total assets | 77.8944% | 1,210 |
| Net loans and leases to deposits | 91.9044% | 1,469 |
| Net loans and leases to core deposits | 120.5871% | 469 |
| Total domestic deposits to total assets | 84.7560% | 3,152 |
| Equity capital to assets | 11.5317% | 2,138 |
| Core capital (leverage) ratio | 11.4413% | 1,976 |
| Tier 1 risk-based capital ratio | 13.7415% | 3,617 |
| Total risk-based capital ratio | 18.7157% | 1,979 |
| Memoranda: |
| Average total assets | $312,843,400 | 2,100 |
| Average earning assets | $294,928,800 | 2,075 |
| Average equity | $39,005,200 | 1,879 |
| Average total loans | $246,955,400 | 1,805 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4018% | 293 |
| Cost of funding earning assets | 1.3003% | 34 |
| Net interest margin | 4.1015% | 1,384 |
| Noninterest income to average assets | 0.8205% | 1,686 |
| Noninterest expense to average assets | 4.7121% | 321 |
| Loan and lease loss provision to assets | 0.9267% | 113 |
| Net operating income to assets | -0.5685% | 5,867 |
| Return on assets (ROA) | -0.5685% | 5,869 |
| Pretax return on assets | -0.9584% | 5,898 |
| Return on Equity (ROE) | -4.4687% | 5,856 |
| Retained earnings to average equity (ytd only) | -4.4687% | 5,716 |
| Net charge-offs to loans | 0.9945% | 171 |
| Credit loss provision to net charge-offs | 118.1969% | 2,117 |
| Earnings coverage of net charge-offs (x) | -0.0404% | 3,824 |
| Efficiency ratio | 100.6208% | 219 |
| Assets per employee ($millions) | 4.2619% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7298% | 1,143 |
| Loan loss allowance to noncurrent loans | 141.7072% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.0299% | 2,003 |
| Noncurrent loans to loans | 1.2207% | 1,836 |
| Net loans and leases to total assets | 82.9114% | 520 |
| Net loans and leases to deposits | 99.2915% | 751 |
| Net loans and leases to core deposits | 129.8178% | 303 |
| Total domestic deposits to total assets | 83.5030% | 3,396 |
| Equity capital to assets | 12.0430% | 2,089 |
| Core capital (leverage) ratio | 11.9969% | 1,681 |
| Tier 1 risk-based capital ratio | 13.7858% | 3,679 |
| Total risk-based capital ratio | 18.8002% | 2,021 |
| Memoranda: |
| Average total assets | $307,454,250 | 2,129 |
| Average earning assets | $289,353,250 | 2,110 |
| Average equity | $39,116,000 | 1,886 |
| Average total loans | $242,402,750 | 1,840 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3787% | 309 |
| Cost of funding earning assets | 1.3149% | 32 |
| Net interest margin | 4.0638% | 1,466 |
| Noninterest income to average assets | 0.3342% | 4,391 |
| Noninterest expense to average assets | 4.6976% | 326 |
| Loan and lease loss provision to assets | 1.2130% | 78 |
| Net operating income to assets | -1.0482% | 5,981 |
| Return on assets (ROA) | -1.0482% | 5,982 |
| Pretax return on assets | -1.7562% | 6,005 |
| Return on Equity (ROE) | -8.0869% | 5,962 |
| Retained earnings to average equity (ytd only) | -8.0869% | 5,839 |
| Net charge-offs to loans | 1.4427% | 103 |
| Credit loss provision to net charge-offs | 109.3286% | 1,973 |
| Earnings coverage of net charge-offs (x) | -0.4896% | 3,576 |
| Efficiency ratio | 113.0117% | 124 |
| Assets per employee ($millions) | 4.1209% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8373% | 1,012 |
| Loan loss allowance to noncurrent loans | 128.4448% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.1628% | 1,811 |
| Noncurrent loans to loans | 1.4304% | 1,547 |
| Net loans and leases to total assets | 79.7954% | 940 |
| Net loans and leases to deposits | 96.3928% | 1,041 |
| Net loans and leases to core deposits | 128.3866% | 326 |
| Total domestic deposits to total assets | 82.7815% | 3,730 |
| Equity capital to assets | 12.7059% | 1,657 |
| Core capital (leverage) ratio | 12.4279% | 1,393 |
| Tier 1 risk-based capital ratio | 14.9220% | 3,106 |
| Total risk-based capital ratio | 20.2815% | 1,658 |
| Memoranda: |
| Average total assets | $303,390,330 | 2,158 |
| Average earning assets | $285,198,330 | 2,143 |
| Average equity | $39,323,000 | 1,883 |
| Average total loans | $233,307,670 | 1,889 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5878% | 224 |
| Cost of funding earning assets | 1.3365% | 32 |
| Net interest margin | 4.2512% | 997 |
| Noninterest income to average assets | 0.6276% | 2,377 |
| Noninterest expense to average assets | 4.2564% | 473 |
| Loan and lease loss provision to assets | 0.2009% | 977 |
| Net operating income to assets | 0.1654% | 5,591 |
| Return on assets (ROA) | 0.1654% | 5,648 |
| Pretax return on assets | 0.1667% | 5,679 |
| Return on Equity (ROE) | 1.2640% | 5,653 |
| Retained earnings to average equity (ytd only) | 1.2640% | 4,750 |
| Net charge-offs to loans | 0.6447% | 338 |
| Credit loss provision to net charge-offs | 41.6894% | 2,137 |
| Earnings coverage of net charge-offs (x) | 0.7629% | 2,893 |
| Efficiency ratio | 91.9932% | 550 |
| Assets per employee ($millions) | 3.7317% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8554% | 1,041 |
| Loan loss allowance to noncurrent loans | 107.5398% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.2839% | 1,677 |
| Noncurrent loans to loans | 1.7253% | 1,300 |
| Net loans and leases to total assets | 73.0385% | 1,880 |
| Net loans and leases to deposits | 88.7458% | 1,731 |
| Net loans and leases to core deposits | 122.4519% | 402 |
| Total domestic deposits to total assets | 82.3008% | 4,118 |
| Equity capital to assets | 13.3788% | 1,229 |
| Core capital (leverage) ratio | 12.6385% | 1,289 |
| Tier 1 risk-based capital ratio | 16.5327% | 2,467 |
| Total risk-based capital ratio | 22.1404% | 1,307 |
| Memoranda: |
| Average total assets | $304,671,500 | 2,157 |
| Average earning assets | $286,410,500 | 2,144 |
| Average equity | $39,873,000 | 1,856 |
| Average total loans | $227,691,500 | 1,931 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8937% | 145 |
| Cost of funding earning assets | 1.1579% | 68 |
| Net interest margin | 4.7358% | 426 |
| Noninterest income to average assets | 1.7558% | 435 |
| Noninterest expense to average assets | 4.7493% | 346 |
| Loan and lease loss provision to assets | -0.2262% | 6,012 |
| Net operating income to assets | 1.0021% | 2,353 |
| Return on assets (ROA) | 1.0021% | 2,450 |
| Pretax return on assets | 1.6598% | 1,084 |
| Return on Equity (ROE) | 8.2972% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.2972% | 825 |
| Net charge-offs to loans | 0.4611% | 592 |
| Credit loss provision to net charge-offs | -60.1563% | 5,071 |
| Earnings coverage of net charge-offs (x) | 3.8125% | 3,657 |
| Efficiency ratio | 76.7659% | 2,158 |
| Assets per employee ($millions) | 4.3806% | 3,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8554% | 1,043 |
| Loan loss allowance to noncurrent loans | 195.0000% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 2,915 |
| Noncurrent loans to loans | 0.9515% | 2,434 |
| Net loans and leases to total assets | 73.6257% | 1,790 |
| Net loans and leases to deposits | 88.8763% | 1,766 |
| Net loans and leases to core deposits | 122.3375% | 419 |
| Total domestic deposits to total assets | 82.8407% | 3,890 |
| Equity capital to assets | 12.8677% | 1,422 |
| Core capital (leverage) ratio | 12.4403% | 1,379 |
| Tier 1 risk-based capital ratio | 16.2363% | 2,593 |
| Total risk-based capital ratio | 21.7450% | 1,357 |
| Memoranda: |
| Average total assets | $306,358,800 | 2,116 |
| Average earning assets | $286,391,800 | 2,093 |
| Average equity | $37,000,600 | 1,926 |
| Average total loans | $249,830,600 | 1,730 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9504% | 140 |
| Cost of funding earning assets | 1.0936% | 109 |
| Net interest margin | 4.8568% | 334 |
| Noninterest income to average assets | 2.1092% | 333 |
| Noninterest expense to average assets | 4.8672% | 314 |
| Loan and lease loss provision to assets | -0.0485% | 5,912 |
| Net operating income to assets | 1.0581% | 2,183 |
| Return on assets (ROA) | 1.0581% | 2,276 |
| Pretax return on assets | 1.8248% | 852 |
| Return on Equity (ROE) | 8.9094% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.9094% | 938 |
| Net charge-offs to loans | 0.5129% | 468 |
| Credit loss provision to net charge-offs | -11.3613% | 4,858 |
| Earnings coverage of net charge-offs (x) | 4.1617% | 3,391 |
| Efficiency ratio | 73.2229% | 2,683 |
| Assets per employee ($millions) | 4.4144% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1087% | 765 |
| Loan loss allowance to noncurrent loans | 153.4701% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 1.3605% | 1,706 |
| Noncurrent loans to loans | 1.3740% | 1,859 |
| Net loans and leases to total assets | 76.4084% | 1,330 |
| Net loans and leases to deposits | 92.6034% | 1,347 |
| Net loans and leases to core deposits | 118.5103% | 511 |
| Total domestic deposits to total assets | 82.5115% | 3,985 |
| Equity capital to assets | 12.7459% | 1,591 |
| Core capital (leverage) ratio | 12.1271% | 1,605 |
| Tier 1 risk-based capital ratio | 15.5338% | 3,032 |
| Total risk-based capital ratio | 20.9536% | 1,587 |
| Memoranda: |
| Average total assets | $305,192,000 | 2,129 |
| Average earning assets | $284,928,250 | 2,114 |
| Average equity | $36,245,250 | 1,982 |
| Average total loans | $253,957,250 | 1,712 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6738% | 207 |
| Cost of funding earning assets | 0.9566% | 211 |
| Net interest margin | 4.7172% | 430 |
| Noninterest income to average assets | 2.1624% | 332 |
| Noninterest expense to average assets | 4.9829% | 294 |
| Loan and lease loss provision to assets | -0.0730% | 6,055 |
| Net operating income to assets | 0.9246% | 2,760 |
| Return on assets (ROA) | 0.9246% | 2,885 |
| Pretax return on assets | 1.6564% | 1,178 |
| Return on Equity (ROE) | 7.9833% | 3,068 |
| Retained earnings to average equity (ytd only) | 7.9833% | 1,280 |
| Net charge-offs to loans | 0.6762% | 338 |
| Credit loss provision to net charge-offs | -12.7148% | 4,703 |
| Earnings coverage of net charge-offs (x) | 2.7560% | 3,291 |
| Efficiency ratio | 75.8469% | 2,389 |
| Assets per employee ($millions) | 3.9858% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0393% | 926 |
| Loan loss allowance to noncurrent loans | 137.6293% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.2129% | 2,087 |
| Noncurrent loans to loans | 1.4817% | 1,793 |
| Net loans and leases to total assets | 80.1917% | 775 |
| Net loans and leases to deposits | 96.4628% | 914 |
| Net loans and leases to core deposits | 129.3045% | 282 |
| Total domestic deposits to total assets | 83.1322% | 3,895 |
| Equity capital to assets | 12.3405% | 1,775 |
| Core capital (leverage) ratio | 12.0047% | 1,658 |
| Tier 1 risk-based capital ratio | 14.4864% | 3,650 |
| Total risk-based capital ratio | 19.7374% | 1,891 |
| Memoranda: |
| Average total assets | $303,920,000 | 2,158 |
| Average earning assets | $283,725,670 | 2,143 |
| Average equity | $35,198,330 | 2,043 |
| Average total loans | $258,211,670 | 1,694 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5542% | 237 |
| Cost of funding earning assets | 0.7953% | 517 |
| Net interest margin | 4.7589% | 377 |
| Noninterest income to average assets | 1.8688% | 391 |
| Noninterest expense to average assets | 4.5841% | 405 |
| Loan and lease loss provision to assets | -0.2143% | 6,275 |
| Net operating income to assets | 1.1886% | 1,582 |
| Return on assets (ROA) | 1.1886% | 1,678 |
| Pretax return on assets | 1.9353% | 669 |
| Return on Equity (ROE) | 10.6044% | 1,767 |
| Retained earnings to average equity (ytd only) | 10.6044% | 795 |
| Net charge-offs to loans | 0.8993% | 268 |
| Credit loss provision to net charge-offs | -27.5214% | 4,356 |
| Earnings coverage of net charge-offs (x) | 2.2103% | 2,805 |
| Efficiency ratio | 72.6620% | 3,058 |
| Assets per employee ($millions) | 3.9323% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1322% | 878 |
| Loan loss allowance to noncurrent loans | 85.3862% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.0995% | 1,102 |
| Noncurrent loans to loans | 2.4972% | 969 |
| Net loans and leases to total assets | 82.2828% | 434 |
| Net loans and leases to deposits | 100.5059% | 537 |
| Net loans and leases to core deposits | 142.0645% | 144 |
| Total domestic deposits to total assets | 81.8687% | 4,543 |
| Equity capital to assets | 11.4728% | 2,486 |
| Core capital (leverage) ratio | 11.0409% | 2,377 |
| Tier 1 risk-based capital ratio | 12.4869% | 4,915 |
| Total risk-based capital ratio | 13.7475% | 4,819 |
| Memoranda: |
| Average total assets | $300,517,000 | 2,194 |
| Average earning assets | $280,150,000 | 2,174 |
| Average equity | $33,684,000 | 2,139 |
| Average total loans | $260,209,000 | 1,683 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.9683% | 163 |
| Cost of funding earning assets | 0.9338% | 321 |
| Net interest margin | 5.0346% | 287 |
| Noninterest income to average assets | 6.5265% | 93 |
| Noninterest expense to average assets | 5.8638% | 195 |
| Loan and lease loss provision to assets | 0.4988% | 306 |
| Net operating income to assets | 2.9666% | 94 |
| Return on assets (ROA) | 2.9666% | 95 |
| Pretax return on assets | 4.8550% | 56 |
| Return on Equity (ROE) | 32.3403% | 45 |
| Retained earnings to average equity (ytd only) | 32.3403% | 19 |
| Net charge-offs to loans | 0.8256% | 417 |
| Credit loss provision to net charge-offs | 68.4950% | 3,108 |
| Earnings coverage of net charge-offs (x) | 7.3519% | 3,046 |
| Efficiency ratio | 52.2475% | 5,959 |
| Assets per employee ($millions) | 3.8734% | 4,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3224% | 700 |
| Loan loss allowance to noncurrent loans | 96.4688% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 2.2129% | 1,102 |
| Noncurrent loans to loans | 2.4074% | 1,074 |
| Net loans and leases to total assets | 87.0668% | 154 |
| Net loans and leases to deposits | 113.0614% | 175 |
| Net loans and leases to core deposits | 153.9386% | 99 |
| Total domestic deposits to total assets | 77.0085% | 5,602 |
| Equity capital to assets | 10.9405% | 2,959 |
| Core capital (leverage) ratio | 9.6946% | 3,974 |
| Tier 1 risk-based capital ratio | 10.7797% | 5,999 |
| Total risk-based capital ratio | 12.0419% | 5,932 |
| Memoranda: |
| Average total assets | $312,955,000 | 2,077 |
| Average earning assets | $291,605,000 | 2,059 |
| Average equity | $28,707,200 | 2,363 |
| Average total loans | $276,044,600 | 1,542 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8099% | 192 |
| Cost of funding earning assets | 0.9693% | 279 |
| Net interest margin | 4.8406% | 391 |
| Noninterest income to average assets | 7.6293% | 88 |
| Noninterest expense to average assets | 5.9963% | 180 |
| Loan and lease loss provision to assets | 0.4438% | 358 |
| Net operating income to assets | 3.4580% | 70 |
| Return on assets (ROA) | 3.4580% | 69 |
| Pretax return on assets | 5.7020% | 49 |
| Return on Equity (ROE) | 39.4895% | 31 |
| Retained earnings to average equity (ytd only) | 39.4895% | 15 |
| Net charge-offs to loans | 0.6202% | 582 |
| Credit loss provision to net charge-offs | 81.3272% | 2,571 |
| Earnings coverage of net charge-offs (x) | 11.2616% | 2,445 |
| Efficiency ratio | 49.3636% | 6,124 |
| Assets per employee ($millions) | 3.7689% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4247% | 707 |
| Loan loss allowance to noncurrent loans | 163.9951% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 1.2977% | 2,382 |
| Noncurrent loans to loans | 1.4785% | 2,196 |
| Net loans and leases to total assets | 81.6128% | 550 |
| Net loans and leases to deposits | 106.7614% | 298 |
| Net loans and leases to core deposits | 142.3474% | 142 |
| Total domestic deposits to total assets | 76.4441% | 5,759 |
| Equity capital to assets | 9.6158% | 4,651 |
| Core capital (leverage) ratio | 9.2102% | 4,768 |
| Tier 1 risk-based capital ratio | 9.7551% | 6,396 |
| Total risk-based capital ratio | 11.0180% | 6,366 |
| Memoranda: |
| Average total assets | $316,631,500 | 2,069 |
| Average earning assets | $295,190,000 | 2,038 |
| Average equity | $27,726,500 | 2,437 |
| Average total loans | $278,593,250 | 1,539 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7001% | 221 |
| Cost of funding earning assets | 1.0383% | 211 |
| Net interest margin | 4.6618% | 521 |
| Noninterest income to average assets | 9.4063% | 72 |
| Noninterest expense to average assets | 6.0158% | 179 |
| Loan and lease loss provision to assets | 0.0876% | 2,567 |
| Net operating income to assets | 4.6370% | 55 |
| Return on assets (ROA) | 4.6370% | 55 |
| Pretax return on assets | 7.6567% | 35 |
| Return on Equity (ROE) | 54.8327% | 19 |
| Retained earnings to average equity (ytd only) | 54.8327% | 11 |
| Net charge-offs to loans | 0.3064% | 1,324 |
| Credit loss provision to net charge-offs | 31.9347% | 3,031 |
| Earnings coverage of net charge-offs (x) | 28.2401% | 1,306 |
| Efficiency ratio | 43.7006% | 6,431 |
| Assets per employee ($millions) | 3.3971% | 5,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3695% | 839 |
| Loan loss allowance to noncurrent loans | 126.2192% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.7757% | 1,826 |
| Noncurrent loans to loans | 1.8773% | 1,826 |
| Net loans and leases to total assets | 88.9447% | 72 |
| Net loans and leases to deposits | 107.3535% | 266 |
| Net loans and leases to core deposits | 143.4264% | 124 |
| Total domestic deposits to total assets | 82.8521% | 4,360 |
| Equity capital to assets | 10.0018% | 4,105 |
| Core capital (leverage) ratio | 9.0170% | 4,994 |
| Tier 1 risk-based capital ratio | 9.2073% | 6,521 |
| Total risk-based capital ratio | 10.4693% | 6,511 |
| Memoranda: |
| Average total assets | $312,876,330 | 2,091 |
| Average earning assets | $292,203,330 | 2,061 |
| Average equity | $26,458,670 | 2,528 |
| Average total loans | $280,039,000 | 1,522 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3722% | 366 |
| Cost of funding earning assets | 1.1544% | 117 |
| Net interest margin | 4.2178% | 1,167 |
| Noninterest income to average assets | 8.9380% | 69 |
| Noninterest expense to average assets | 6.6450% | 156 |
| Loan and lease loss provision to assets | 0.7205% | 168 |
| Net operating income to assets | 3.3130% | 86 |
| Return on assets (ROA) | 3.3130% | 88 |
| Pretax return on assets | 5.5213% | 56 |
| Return on Equity (ROE) | 42.9699% | 29 |
| Retained earnings to average equity (ytd only) | 42.9699% | 17 |
| Net charge-offs to loans | 0.1026% | 2,147 |
| Credit loss provision to net charge-offs | 791.6667% | 373 |
| Earnings coverage of net charge-offs (x) | 68.5833% | 600 |
| Efficiency ratio | 51.5449% | 6,158 |
| Assets per employee ($millions) | 3.3385% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5525% | 766 |
| Loan loss allowance to noncurrent loans | 96.3369% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 2.3815% | 1,365 |
| Noncurrent loans to loans | 2.6496% | 1,288 |
| Net loans and leases to total assets | 85.3620% | 171 |
| Net loans and leases to deposits | 107.6335% | 200 |
| Net loans and leases to core deposits | 147.1481% | 103 |
| Total domestic deposits to total assets | 79.3080% | 5,627 |
| Equity capital to assets | 7.9020% | 6,119 |
| Core capital (leverage) ratio | 7.4932% | 6,340 |
| Tier 1 risk-based capital ratio | 7.7042% | 6,634 |
| Total risk-based capital ratio | 8.9692% | 6,635 |
| Memoranda: |
| Average total assets | $316,447,000 | 2,072 |
| Average earning assets | $296,268,500 | 2,037 |
| Average equity | $24,398,500 | 2,708 |
| Average total loans | $280,791,000 | 1,527 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2760% | 559 |
| Cost of funding earning assets | 1.3355% | 94 |
| Net interest margin | 3.9405% | 2,135 |
| Noninterest income to average assets | 5.0396% | 132 |
| Noninterest expense to average assets | 6.4525% | 170 |
| Loan and lease loss provision to assets | 1.6478% | 71 |
| Net operating income to assets | 0.3512% | 5,327 |
| Return on assets (ROA) | 0.4155% | 5,206 |
| Pretax return on assets | 0.7403% | 4,378 |
| Return on Equity (ROE) | 4.9369% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.9369% | 2,642 |
| Net charge-offs to loans | 0.2981% | 2,203 |
| Credit loss provision to net charge-offs | 716.7513% | 340 |
| Earnings coverage of net charge-offs (x) | 9.9509% | 2,445 |
| Efficiency ratio | 73.7849% | 3,164 |
| Assets per employee ($millions) | 4.0318% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5332% | 796 |
| Loan loss allowance to noncurrent loans | 90.3395% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.6387% | 1,280 |
| Noncurrent loans to loans | 2.8041% | 1,260 |
| Net loans and leases to total assets | 87.6931% | 100 |
| Net loans and leases to deposits | 112.3730% | 132 |
| Net loans and leases to core deposits | 142.2464% | 129 |
| Total domestic deposits to total assets | 78.0375% | 5,822 |
| Equity capital to assets | 7.5004% | 6,282 |
| Core capital (leverage) ratio | 6.4042% | 6,607 |
| Tier 1 risk-based capital ratio | 7.1297% | 6,726 |
| Total risk-based capital ratio | 8.3951% | 6,725 |
| Memoranda: |
| Average total assets | $257,064,600 | 2,461 |
| Average earning assets | $241,413,800 | 2,411 |
| Average equity | $21,633,000 | 2,967 |
| Average total loans | $198,252,800 | 2,018 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8436% | 1,252 |
| Cost of funding earning assets | 0.8496% | 1,048 |
| Net interest margin | 3.9940% | 1,964 |
| Noninterest income to average assets | 5.4323% | 132 |
| Noninterest expense to average assets | 5.8658% | 216 |
| Loan and lease loss provision to assets | 1.0287% | 160 |
| Net operating income to assets | 1.4031% | 1,093 |
| Return on assets (ROA) | 1.4861% | 967 |
| Pretax return on assets | 2.4221% | 265 |
| Return on Equity (ROE) | 17.0880% | 531 |
| Retained earnings to average equity (ytd only) | 17.0880% | 129 |
| Net charge-offs to loans | 0.3812% | 1,683 |
| Credit loss provision to net charge-offs | 368.8716% | 714 |
| Earnings coverage of net charge-offs (x) | 11.9085% | 2,190 |
| Efficiency ratio | 63.8141% | 4,828 |
| Assets per employee ($millions) | 3.5026% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3276% | 1,140 |
| Loan loss allowance to noncurrent loans | 142.6502% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 1.5370% | 2,628 |
| Noncurrent loans to loans | 1.6317% | 2,730 |
| Net loans and leases to total assets | 77.0243% | 868 |
| Net loans and leases to deposits | 85.9912% | 1,619 |
| Net loans and leases to core deposits | 108.8483% | 627 |
| Total domestic deposits to total assets | 89.5723% | 1,245 |
| Equity capital to assets | 9.1473% | 4,997 |
| Core capital (leverage) ratio | 9.1822% | 4,860 |
| Tier 1 risk-based capital ratio | 10.1434% | 6,556 |
| Total risk-based capital ratio | 11.4053% | 6,524 |
| Memoranda: |
| Average total assets | $245,734,750 | 2,585 |
| Average earning assets | $231,007,750 | 2,524 |
| Average equity | $21,371,250 | 3,035 |
| Average total loans | $179,800,500 | 2,204 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7581% | 1,428 |
| Cost of funding earning assets | 0.9071% | 866 |
| Net interest margin | 3.8510% | 2,372 |
| Noninterest income to average assets | 6.1539% | 116 |
| Noninterest expense to average assets | 5.6728% | 238 |
| Loan and lease loss provision to assets | 1.0756% | 160 |
| Net operating income to assets | 1.8556% | 465 |
| Return on assets (ROA) | 1.9812% | 394 |
| Pretax return on assets | 3.2235% | 127 |
| Return on Equity (ROE) | 23.1956% | 171 |
| Retained earnings to average equity (ytd only) | 23.1956% | 61 |
| Net charge-offs to loans | 0.4439% | 1,475 |
| Credit loss provision to net charge-offs | 340.2597% | 766 |
| Earnings coverage of net charge-offs (x) | 12.9792% | 1,934 |
| Efficiency ratio | 57.9960% | 5,735 |
| Assets per employee ($millions) | 3.1721% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.2541% | 1,330 |
| Loan loss allowance to noncurrent loans | 132.1508% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 1.6755% | 2,599 |
| Noncurrent loans to loans | 1.7057% | 2,753 |
| Net loans and leases to total assets | 77.0714% | 863 |
| Net loans and leases to deposits | 86.4602% | 1,521 |
| Net loans and leases to core deposits | 108.8743% | 609 |
| Total domestic deposits to total assets | 89.1409% | 1,546 |
| Equity capital to assets | 9.6552% | 4,378 |
| Core capital (leverage) ratio | 9.2759% | 4,586 |
| Tier 1 risk-based capital ratio | 10.7945% | 6,416 |
| Total risk-based capital ratio | 12.0557% | 6,380 |
| Memoranda: |
| Average total assets | $243,585,000 | 2,621 |
| Average earning assets | $229,083,670 | 2,548 |
| Average equity | $20,805,670 | 3,116 |
| Average total loans | $173,443,330 | 2,276 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7808% | 1,329 |
| Cost of funding earning assets | 1.0159% | 564 |
| Net interest margin | 3.7649% | 2,591 |
| Noninterest income to average assets | 6.7932% | 103 |
| Noninterest expense to average assets | 5.4675% | 273 |
| Loan and lease loss provision to assets | 1.2677% | 123 |
| Net operating income to assets | 2.2250% | 230 |
| Return on assets (ROA) | 2.2983% | 222 |
| Pretax return on assets | 3.7111% | 99 |
| Return on Equity (ROE) | 28.6771% | 86 |
| Retained earnings to average equity (ytd only) | 28.6771% | 49 |
| Net charge-offs to loans | 0.3031% | 1,754 |
| Credit loss provision to net charge-offs | 618.8976% | 443 |
| Earnings coverage of net charge-offs (x) | 23.7480% | 1,095 |
| Efficiency ratio | 52.8879% | 6,319 |
| Assets per employee ($millions) | 3.5264% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.4878% | 1,133 |
| Loan loss allowance to noncurrent loans | 119.9631% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.7306% | 2,694 |
| Noncurrent loans to loans | 2.0738% | 2,539 |
| Net loans and leases to total assets | 62.0218% | 3,060 |
| Net loans and leases to deposits | 68.4085% | 3,722 |
| Net loans and leases to core deposits | 78.2675% | 3,025 |
| Total domestic deposits to total assets | 90.6639% | 688 |
| Equity capital to assets | 8.4611% | 6,053 |
| Core capital (leverage) ratio | 7.9948% | 6,151 |
| Tier 1 risk-based capital ratio | 11.0831% | 6,371 |
| Total risk-based capital ratio | 12.3462% | 6,337 |
| Memoranda: |
| Average total assets | $248,011,000 | 2,604 |
| Average earning assets | $233,099,500 | 2,541 |
| Average equity | $19,876,500 | 3,254 |
| Average total loans | $167,623,000 | 2,345 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6912% | 2,634 |
| Cost of funding earning assets | 1.4191% | 239 |
| Net interest margin | 3.2721% | 5,349 |
| Noninterest income to average assets | 4.6501% | 161 |
| Noninterest expense to average assets | 5.5835% | 265 |
| Loan and lease loss provision to assets | 1.8413% | 130 |
| Net operating income to assets | 1.3477% | 1,201 |
| Return on assets (ROA) | 1.4220% | 1,174 |
| Pretax return on assets | 0.3992% | 5,580 |
| Return on Equity (ROE) | 19.4821% | 325 |
| Retained earnings to average equity (ytd only) | 19.4821% | 64 |
| Net charge-offs to loans | 0.6961% | 1,700 |
| Credit loss provision to net charge-offs | 419.1324% | 574 |
| Earnings coverage of net charge-offs (x) | 4.9310% | 3,202 |
| Efficiency ratio | 71.9907% | 3,418 |
| Assets per employee ($millions) | 4.0190% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8217% | 2,522 |
| Loan loss allowance to noncurrent loans | 101.5640% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 1.6908% | 2,862 |
| Noncurrent loans to loans | 1.7936% | 2,928 |
| Net loans and leases to total assets | 70.2294% | 1,802 |
| Net loans and leases to deposits | 84.4843% | 1,700 |
| Net loans and leases to core deposits | 95.1753% | 1,375 |
| Total domestic deposits to total assets | 83.1271% | 4,664 |
| Equity capital to assets | 7.5718% | 6,609 |
| Core capital (leverage) ratio | 7.0906% | 6,675 |
| Tier 1 risk-based capital ratio | 8.6691% | 6,878 |
| Total risk-based capital ratio | 9.9259% | 6,882 |
| Memoranda: |
| Average total assets | $204,639,200 | 2,987 |
| Average earning assets | $193,851,000 | 2,915 |
| Average equity | $14,936,800 | 3,977 |
| Average total loans | $129,140,400 | 2,897 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6035% | 3,185 |
| Cost of funding earning assets | 1.2807% | 483 |
| Net interest margin | 3.3229% | 5,302 |
| Noninterest income to average assets | 4.4918% | 165 |
| Noninterest expense to average assets | 5.4812% | 269 |
| Loan and lease loss provision to assets | 1.2988% | 265 |
| Net operating income to assets | 0.5290% | 4,714 |
| Return on assets (ROA) | 0.5960% | 4,676 |
| Pretax return on assets | 0.9701% | 3,822 |
| Return on Equity (ROE) | 8.2649% | 3,158 |
| Retained earnings to average equity (ytd only) | 8.2649% | 1,515 |
| Net charge-offs to loans | 0.1232% | 4,141 |
| Credit loss provision to net charge-offs | 1,745.3704% | 153 |
| Earnings coverage of net charge-offs (x) | 29.0826% | 1,123 |
| Efficiency ratio | 71.6384% | 3,391 |
| Assets per employee ($millions) | 3.1428% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5201% | 3,862 |
| Loan loss allowance to noncurrent loans | 96.8104% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 1.7364% | 3,003 |
| Noncurrent loans to loans | 1.5701% | 3,433 |
| Net loans and leases to total assets | 61.7004% | 3,443 |
| Net loans and leases to deposits | 67.1513% | 4,317 |
| Net loans and leases to core deposits | 77.5320% | 3,529 |
| Total domestic deposits to total assets | 91.8826% | 222 |
| Equity capital to assets | 7.3705% | 6,799 |
| Core capital (leverage) ratio | 7.1047% | 6,770 |
| Tier 1 risk-based capital ratio | 10.5985% | 6,635 |
| Total risk-based capital ratio | 11.8508% | 6,616 |
| Memoranda: |
| Average total assets | $193,505,250 | 3,168 |
| Average earning assets | $183,651,250 | 3,071 |
| Average equity | $13,954,250 | 4,203 |
| Average total loans | $116,865,250 | 3,187 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5704% | 3,480 |
| Cost of funding earning assets | 1.3146% | 492 |
| Net interest margin | 3.2558% | 5,577 |
| Noninterest income to average assets | 3.9424% | 186 |
| Noninterest expense to average assets | 5.2744% | 315 |
| Loan and lease loss provision to assets | 0.9968% | 441 |
| Net operating income to assets | 0.4521% | 5,030 |
| Return on assets (ROA) | 0.5587% | 4,827 |
| Pretax return on assets | 0.9278% | 3,972 |
| Return on Equity (ROE) | 7.8183% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.8183% | 1,710 |
| Net charge-offs to loans | -0.0645% | 6,738 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9377% | 2,906 |
| Assets per employee ($millions) | 2.8248% | 6,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0249% | 6,058 |
| Loan loss allowance to noncurrent loans | 226.5411% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2311% | 3,951 |
| Noncurrent loans to loans | 0.4524% | 5,631 |
| Net loans and leases to total assets | 67.5091% | 2,371 |
| Net loans and leases to deposits | 73.7820% | 3,329 |
| Net loans and leases to core deposits | 83.4781% | 2,757 |
| Total domestic deposits to total assets | 91.4980% | 313 |
| Equity capital to assets | 7.6022% | 6,758 |
| Core capital (leverage) ratio | 7.2652% | 6,735 |
| Tier 1 risk-based capital ratio | 10.2804% | 6,758 |
| Total risk-based capital ratio | 11.3157% | 6,788 |
| Memoranda: |
| Average total assets | $182,580,670 | 3,317 |
| Average earning assets | $173,290,330 | 3,227 |
| Average equity | $13,046,330 | 4,384 |
| Average total loans | $108,563,670 | 3,365 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2785% | 4,821 |
| Cost of funding earning assets | 1.3516% | 512 |
| Net interest margin | 2.9269% | 6,444 |
| Noninterest income to average assets | 2.7159% | 274 |
| Noninterest expense to average assets | 5.2243% | 323 |
| Loan and lease loss provision to assets | 0.5624% | 1,033 |
| Net operating income to assets | -0.1830% | 6,617 |
| Return on assets (ROA) | -0.1830% | 6,674 |
| Pretax return on assets | -0.2968% | 6,729 |
| Return on Equity (ROE) | -2.6504% | 6,732 |
| Retained earnings to average equity (ytd only) | -2.6504% | 6,354 |
| Net charge-offs to loans | -0.1424% | 6,907 |
| Credit loss provision to net charge-offs | -720.0000% | 5,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0813% | 765 |
| Assets per employee ($millions) | 2.9415% | 6,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6496% | 6,933 |
| Loan loss allowance to noncurrent loans | 32.2972% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 1.5983% | 3,450 |
| Noncurrent loans to loans | 2.0113% | 3,149 |
| Net loans and leases to total assets | 54.8838% | 4,573 |
| Net loans and leases to deposits | 59.2720% | 5,248 |
| Net loans and leases to core deposits | 67.3489% | 4,751 |
| Total domestic deposits to total assets | 92.5965% | 175 |
| Equity capital to assets | 6.9071% | 6,949 |
| Core capital (leverage) ratio | 6.5928% | 6,954 |
| Tier 1 risk-based capital ratio | 10.0270% | 6,873 |
| Total risk-based capital ratio | 10.6169% | 6,982 |
| Memoranda: |
| Average total assets | $179,240,000 | 3,392 |
| Average earning assets | $169,873,500 | 3,290 |
| Average equity | $12,375,500 | 4,535 |
| Average total loans | $98,299,500 | 3,636 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7737% | 3,930 |
| Cost of funding earning assets | 1.0095% | 3,298 |
| Net interest margin | 3.7642% | 4,008 |
| Noninterest income to average assets | 2.3913% | 284 |
| Noninterest expense to average assets | 5.3570% | 286 |
| Loan and lease loss provision to assets | 0.7224% | 1,416 |
| Net operating income to assets | -0.2604% | 6,308 |
| Return on assets (ROA) | -0.2483% | 6,360 |
| Pretax return on assets | -0.2405% | 6,312 |
| Return on Equity (ROE) | -2.4835% | 6,367 |
| Retained earnings to average equity (ytd only) | -2.4835% | 6,211 |
| Net charge-offs to loans | 0.6476% | 2,528 |
| Credit loss provision to net charge-offs | 182.7133% | 1,411 |
| Earnings coverage of net charge-offs (x) | 1.1882% | 4,897 |
| Efficiency ratio | 91.8040% | 1,057 |
| Assets per employee ($millions) | 3.1484% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4012% | 7,168 |
| Loan loss allowance to noncurrent loans | 16.9431% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 1.5367% | 3,647 |
| Noncurrent loans to loans | 2.3677% | 2,767 |
| Net loans and leases to total assets | 54.1958% | 5,009 |
| Net loans and leases to deposits | 61.5810% | 5,298 |
| Net loans and leases to core deposits | 71.4785% | 4,593 |
| Total domestic deposits to total assets | 88.0073% | 2,147 |
| Equity capital to assets | 6.9016% | 6,985 |
| Core capital (leverage) ratio | 7.1470% | 6,814 |
| Tier 1 risk-based capital ratio | 10.0252% | 6,851 |
| Total risk-based capital ratio | 10.4142% | 7,013 |
| Memoranda: |
| Average total assets | $115,587,400 | 4,507 |
| Average earning assets | $105,493,800 | 4,514 |
| Average equity | $11,556,200 | 4,644 |
| Average total loans | $70,569,600 | 4,468 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4872% | 1,280 |
| Cost of funding earning assets | 0.9820% | 3,804 |
| Net interest margin | 4.5052% | 1,136 |
| Noninterest income to average assets | 2.2333% | 316 |
| Noninterest expense to average assets | 5.1201% | 335 |
| Loan and lease loss provision to assets | 0.2319% | 3,693 |
| Net operating income to assets | 0.5653% | 4,248 |
| Return on assets (ROA) | 0.5771% | 4,371 |
| Pretax return on assets | 0.9315% | 3,646 |
| Return on Equity (ROE) | 5.0970% | 4,492 |
| Retained earnings to average equity (ytd only) | 5.0970% | 3,113 |
| Net charge-offs to loans | 0.0392% | 5,600 |
| Credit loss provision to net charge-offs | 926.3158% | 288 |
| Earnings coverage of net charge-offs (x) | 45.7418% | 692 |
| Efficiency ratio | 81.5983% | 2,030 |
| Assets per employee ($millions) | 2.4254% | 6,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.2154% | 7,328 |
| Loan loss allowance to noncurrent loans | 6.5281% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 2.4351% | 2,648 |
| Noncurrent loans to loans | 3.2991% | 2,095 |
| Net loans and leases to total assets | 62.4815% | 3,615 |
| Net loans and leases to deposits | 70.2859% | 4,253 |
| Net loans and leases to core deposits | 87.8706% | 2,509 |
| Total domestic deposits to total assets | 88.8962% | 1,486 |
| Equity capital to assets | 10.2981% | 3,955 |
| Core capital (leverage) ratio | 9.6145% | 3,973 |
| Tier 1 risk-based capital ratio | 13.9896% | 4,362 |
| Total risk-based capital ratio | 14.1882% | 5,119 |
| Memoranda: |
| Average total assets | $101,193,500 | 4,889 |
| Average earning assets | $90,559,500 | 4,938 |
| Average equity | $11,457,500 | 4,704 |
| Average total loans | $64,655,750 | 4,725 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5281% | 1,238 |
| Cost of funding earning assets | 0.8590% | 4,991 |
| Net interest margin | 4.6691% | 783 |
| Noninterest income to average assets | 2.1515% | 330 |
| Noninterest expense to average assets | 4.6131% | 528 |
| Loan and lease loss provision to assets | 0.2601% | 3,323 |
| Net operating income to assets | 0.8865% | 2,705 |
| Return on assets (ROA) | 0.9051% | 2,719 |
| Pretax return on assets | 1.4357% | 1,705 |
| Return on Equity (ROE) | 7.7125% | 3,091 |
| Retained earnings to average equity (ytd only) | 7.7125% | 1,576 |
| Net charge-offs to loans | 0.0775% | 4,863 |
| Credit loss provision to net charge-offs | 520.8333% | 589 |
| Earnings coverage of net charge-offs (x) | 33.3750% | 856 |
| Efficiency ratio | 73.3267% | 3,492 |
| Assets per employee ($millions) | 2.8164% | 6,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.1509% | 7,408 |
| Loan loss allowance to noncurrent loans | 4.1996% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 2.6855% | 2,491 |
| Noncurrent loans to loans | 3.5934% | 1,964 |
| Net loans and leases to total assets | 57.8743% | 4,655 |
| Net loans and leases to deposits | 65.1123% | 5,130 |
| Net loans and leases to core deposits | 81.0783% | 3,642 |
| Total domestic deposits to total assets | 88.8838% | 1,607 |
| Equity capital to assets | 10.4338% | 3,602 |
| Core capital (leverage) ratio | 11.6439% | 1,822 |
| Tier 1 risk-based capital ratio | 14.3457% | 3,904 |
| Total risk-based capital ratio | 14.4775% | 4,720 |
| Memoranda: |
| Average total assets | $96,118,000 | 5,070 |
| Average earning assets | $84,984,330 | 5,163 |
| Average equity | $11,280,330 | 4,743 |
| Average total loans | $61,908,330 | 4,873 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8060% | 732 |
| Cost of funding earning assets | 1.0049% | 4,167 |
| Net interest margin | 4.8011% | 570 |
| Noninterest income to average assets | 2.5173% | 262 |
| Noninterest expense to average assets | 4.6505% | 510 |
| Loan and lease loss provision to assets | 0.2314% | 3,337 |
| Net operating income to assets | 1.2078% | 1,504 |
| Return on assets (ROA) | 1.2078% | 1,555 |
| Pretax return on assets | 2.0129% | 547 |
| Return on Equity (ROE) | 9.5811% | 2,255 |
| Retained earnings to average equity (ytd only) | 9.5811% | 1,218 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2483% | 4,803 |
| Assets per employee ($millions) | 2.8738% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0825% | 7,481 |
| Loan loss allowance to noncurrent loans | 1.8580% | 7,062 |
| Noncurrent assets plus other real estate owned to assets | 3.6201% | 1,878 |
| Noncurrent loans to loans | 4.4402% | 1,581 |
| Net loans and leases to total assets | 70.2400% | 2,084 |
| Net loans and leases to deposits | 81.6361% | 2,422 |
| Net loans and leases to core deposits | 89.4833% | 2,411 |
| Total domestic deposits to total assets | 86.0404% | 3,506 |
| Equity capital to assets | 13.4666% | 1,200 |
| Core capital (leverage) ratio | 12.5219% | 1,313 |
| Tier 1 risk-based capital ratio | 15.7263% | 3,040 |
| Total risk-based capital ratio | 15.8002% | 3,672 |
| Memoranda: |
| Average total assets | $86,441,500 | 5,393 |
| Average earning assets | $78,815,500 | 5,394 |
| Average equity | $10,896,500 | 4,820 |
| Average total loans | $59,398,000 | 5,029 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 0.0309% | 7,654 |
| Cost of funding earning assets | 0.0088% | 7,633 |
| Net interest margin | 0.0221% | 7,646 |
| Noninterest income to average assets | 0.0011% | 7,277 |
| Noninterest expense to average assets | 0.6971% | 7,604 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.6000% | 6,451 |
| Return on assets (ROA) | -0.6000% | 6,479 |
| Pretax return on assets | -0.6747% | 6,442 |
| Return on Equity (ROE) | -4.7146% | 6,410 |
| Retained earnings to average equity (ytd only) | -4.7146% | 6,271 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3,109.5238% | 2 |
| Assets per employee ($millions) | 3.4668% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 3.4776% | 2,000 |
| Noncurrent loans to loans | 4.4406% | 1,603 |
| Net loans and leases to total assets | 67.1397% | 3,182 |
| Net loans and leases to deposits | 76.4973% | 3,764 |
| Net loans and leases to core deposits | 81.6015% | 3,962 |
| Total domestic deposits to total assets | 87.7674% | 2,383 |
| Equity capital to assets | 11.7492% | 2,086 |
| Core capital (leverage) ratio | 11.4248% | 1,878 |
| Tier 1 risk-based capital ratio | 15.4455% | 3,020 |
| Total risk-based capital ratio | 15.4455% | 3,697 |
| Memoranda: |
| Average total assets | $93,668,800 | 5,172 |
| Average earning assets | $90,530,400 | 5,000 |
| Average equity | $11,920,400 | 4,633 |
| Average total loans | $67,557,400 | 4,768 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0666% | 4,500 |
| Cost of funding earning assets | 1.8033% | 1,404 |
| Net interest margin | 3.2633% | 6,131 |
| Noninterest income to average assets | 0.5645% | 3,686 |
| Noninterest expense to average assets | 3.9321% | 1,156 |
| Loan and lease loss provision to assets | 1.5664% | 837 |
| Net operating income to assets | -1.7732% | 7,179 |
| Return on assets (ROA) | -1.7732% | 7,191 |
| Pretax return on assets | -1.7732% | 7,124 |
| Return on Equity (ROE) | -13.6948% | 7,062 |
| Retained earnings to average equity (ytd only) | -13.6948% | 7,029 |
| Net charge-offs to loans | 1.2475% | 1,633 |
| Credit loss provision to net charge-offs | 171.4067% | 2,162 |
| Earnings coverage of net charge-offs (x) | -0.2263% | 6,192 |
| Efficiency ratio | 105.5514% | 607 |
| Assets per employee ($millions) | 3.4803% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.8918% | 402 |
| Loan loss allowance to noncurrent loans | 34.1940% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 8.5913% | 554 |
| Noncurrent loans to loans | 11.3816% | 326 |
| Net loans and leases to total assets | 72.5459% | 2,116 |
| Net loans and leases to deposits | 85.1914% | 2,488 |
| Net loans and leases to core deposits | 90.3948% | 3,042 |
| Total domestic deposits to total assets | 85.1564% | 3,540 |
| Equity capital to assets | 13.7908% | 1,245 |
| Core capital (leverage) ratio | 12.8943% | 1,267 |
| Tier 1 risk-based capital ratio | 16.9548% | 2,354 |
| Total risk-based capital ratio | 18.2350% | 2,307 |
| Memoranda: |
| Average total assets | $95,418,500 | 5,179 |
| Average earning assets | $92,420,250 | 4,999 |
| Average equity | $12,354,750 | 4,586 |
| Average total loans | $69,899,250 | 4,761 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0126% | 4,889 |
| Cost of funding earning assets | 1.7994% | 1,641 |
| Net interest margin | 3.2132% | 6,275 |
| Noninterest income to average assets | 0.6740% | 2,858 |
| Noninterest expense to average assets | 3.7853% | 1,383 |
| Loan and lease loss provision to assets | 1.7369% | 721 |
| Net operating income to assets | -1.7430% | 7,243 |
| Return on assets (ROA) | -1.7430% | 7,249 |
| Pretax return on assets | -1.7430% | 7,161 |
| Return on Equity (ROE) | -13.7253% | 7,100 |
| Retained earnings to average equity (ytd only) | -13.7253% | 7,061 |
| Net charge-offs to loans | 0.6339% | 2,644 |
| Credit loss provision to net charge-offs | 377.4336% | 959 |
| Earnings coverage of net charge-offs (x) | -0.0133% | 5,733 |
| Efficiency ratio | 100.1616% | 794 |
| Assets per employee ($millions) | 3.7810% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.9433% | 393 |
| Loan loss allowance to noncurrent loans | 37.6699% | 5,846 |
| Noncurrent assets plus other real estate owned to assets | 7.6804% | 661 |
| Noncurrent loans to loans | 10.4681% | 409 |
| Net loans and leases to total assets | 69.9913% | 2,897 |
| Net loans and leases to deposits | 81.3426% | 3,374 |
| Net loans and leases to core deposits | 86.6445% | 3,742 |
| Total domestic deposits to total assets | 86.0451% | 3,054 |
| Equity capital to assets | 13.0631% | 1,548 |
| Core capital (leverage) ratio | 12.9018% | 1,244 |
| Tier 1 risk-based capital ratio | 16.4443% | 2,495 |
| Total risk-based capital ratio | 17.7246% | 2,430 |
| Memoranda: |
| Average total assets | $98,222,330 | 5,132 |
| Average earning assets | $94,921,000 | 4,961 |
| Average equity | $12,473,330 | 4,560 |
| Average total loans | $71,307,000 | 4,743 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9893% | 5,064 |
| Cost of funding earning assets | 1.8064% | 1,848 |
| Net interest margin | 3.1829% | 6,347 |
| Noninterest income to average assets | 0.6395% | 2,997 |
| Noninterest expense to average assets | 3.6095% | 1,715 |
| Loan and lease loss provision to assets | 4.0851% | 208 |
| Net operating income to assets | -3.9772% | 7,713 |
| Return on assets (ROA) | -3.9772% | 7,716 |
| Pretax return on assets | -3.9772% | 7,686 |
| Return on Equity (ROE) | -31.7486% | 7,592 |
| Retained earnings to average equity (ytd only) | -31.7486% | 7,570 |
| Net charge-offs to loans | 0.0386% | 5,038 |
| Credit loss provision to net charge-offs | 14,600.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 3.8571% | 2,763 |
| Efficiency ratio | 97.0968% | 964 |
| Assets per employee ($millions) | 3.9092% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.4460% | 261 |
| Loan loss allowance to noncurrent loans | 41.7878% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 7.6005% | 663 |
| Noncurrent loans to loans | 10.6395% | 382 |
| Net loans and leases to total assets | 68.2605% | 3,318 |
| Net loans and leases to deposits | 78.8350% | 3,874 |
| Net loans and leases to core deposits | 83.7615% | 4,239 |
| Total domestic deposits to total assets | 86.5865% | 2,853 |
| Equity capital to assets | 12.3156% | 1,862 |
| Core capital (leverage) ratio | 12.1229% | 1,586 |
| Tier 1 risk-based capital ratio | 16.2159% | 2,559 |
| Total risk-based capital ratio | 17.5022% | 2,501 |
| Memoranda: |
| Average total assets | $100,070,500 | 5,144 |
| Average earning assets | $96,768,000 | 4,962 |
| Average equity | $12,536,000 | 4,579 |
| Average total loans | $72,522,500 | 4,762 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3952% | 4,717 |
| Cost of funding earning assets | 2.9029% | 305 |
| Net interest margin | 2.4923% | 7,436 |
| Noninterest income to average assets | 1.3588% | 803 |
| Noninterest expense to average assets | 3.7492% | 1,799 |
| Loan and lease loss provision to assets | 1.0695% | 2,144 |
| Net operating income to assets | -1.4263% | 6,824 |
| Return on assets (ROA) | -0.7746% | 6,419 |
| Pretax return on assets | -0.4234% | 5,943 |
| Return on Equity (ROE) | -6.1851% | 6,323 |
| Retained earnings to average equity (ytd only) | -6.1851% | 6,166 |
| Net charge-offs to loans | 0.2913% | 4,813 |
| Credit loss provision to net charge-offs | 550.9524% | 547 |
| Earnings coverage of net charge-offs (x) | -0.0286% | 6,243 |
| Efficiency ratio | 100.1481% | 1,092 |
| Assets per employee ($millions) | 4.2671% | 3,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7768% | 952 |
| Loan loss allowance to noncurrent loans | 33.1272% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 6.1575% | 908 |
| Noncurrent loans to loans | 8.3823% | 576 |
| Net loans and leases to total assets | 71.4191% | 2,905 |
| Net loans and leases to deposits | 81.9167% | 3,630 |
| Net loans and leases to core deposits | 138.1035% | 875 |
| Total domestic deposits to total assets | 87.1850% | 2,396 |
| Equity capital to assets | 12.7291% | 1,624 |
| Core capital (leverage) ratio | 12.5221% | 1,449 |
| Tier 1 risk-based capital ratio | 15.7288% | 2,632 |
| Total risk-based capital ratio | 16.9944% | 2,562 |
| Memoranda: |
| Average total assets | $108,183,200 | 4,873 |
| Average earning assets | $103,517,000 | 4,739 |
| Average equity | $13,548,600 | 4,374 |
| Average total loans | $72,089,800 | 4,798 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5701% | 4,033 |
| Cost of funding earning assets | 3.0714% | 268 |
| Net interest margin | 2.4986% | 7,466 |
| Noninterest income to average assets | 1.0326% | 1,489 |
| Noninterest expense to average assets | 3.8287% | 1,542 |
| Loan and lease loss provision to assets | 1.5166% | 1,261 |
| Net operating income to assets | -1.2518% | 6,988 |
| Return on assets (ROA) | -0.6945% | 6,613 |
| Pretax return on assets | -1.0678% | 6,731 |
| Return on Equity (ROE) | -5.5665% | 6,510 |
| Retained earnings to average equity (ytd only) | -5.5665% | 6,329 |
| Net charge-offs to loans | 1.1892% | 1,707 |
| Credit loss provision to net charge-offs | 196.0692% | 2,294 |
| Earnings coverage of net charge-offs (x) | -0.5283% | 6,484 |
| Efficiency ratio | 111.9488% | 731 |
| Assets per employee ($millions) | 4.4963% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3378% | 1,254 |
| Loan loss allowance to noncurrent loans | 44.5602% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 3.6456% | 1,802 |
| Noncurrent loans to loans | 5.2464% | 1,224 |
| Net loans and leases to total assets | 67.8633% | 3,990 |
| Net loans and leases to deposits | 78.8365% | 4,588 |
| Net loans and leases to core deposits | 129.0273% | 1,499 |
| Total domestic deposits to total assets | 86.0811% | 2,667 |
| Equity capital to assets | 12.3074% | 2,060 |
| Core capital (leverage) ratio | 11.6689% | 1,981 |
| Tier 1 risk-based capital ratio | 15.5512% | 2,792 |
| Total risk-based capital ratio | 16.8111% | 2,727 |
| Memoranda: |
| Average total assets | $109,626,250 | 4,861 |
| Average earning assets | $104,747,750 | 4,748 |
| Average equity | $13,676,750 | 4,367 |
| Average total loans | $71,304,750 | 4,863 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6071% | 4,042 |
| Cost of funding earning assets | 3.0915% | 360 |
| Net interest margin | 2.5156% | 7,463 |
| Noninterest income to average assets | 1.0381% | 1,471 |
| Noninterest expense to average assets | 3.7659% | 1,711 |
| Loan and lease loss provision to assets | 0.7350% | 2,230 |
| Net operating income to assets | -0.8603% | 6,872 |
| Return on assets (ROA) | -0.8603% | 6,881 |
| Pretax return on assets | -1.0527% | 6,854 |
| Return on Equity (ROE) | -6.8653% | 6,785 |
| Retained earnings to average equity (ytd only) | -6.8653% | 6,544 |
| Net charge-offs to loans | 0.2483% | 3,956 |
| Credit loss provision to net charge-offs | 465.5172% | 997 |
| Earnings coverage of net charge-offs (x) | -2.0115% | 6,353 |
| Efficiency ratio | 109.2105% | 869 |
| Assets per employee ($millions) | 4.5819% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9810% | 1,609 |
| Loan loss allowance to noncurrent loans | 36.7851% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 3.3317% | 1,872 |
| Noncurrent loans to loans | 5.3852% | 1,090 |
| Net loans and leases to total assets | 60.6418% | 5,574 |
| Net loans and leases to deposits | 69.5169% | 6,042 |
| Net loans and leases to core deposits | 123.1223% | 2,105 |
| Total domestic deposits to total assets | 87.2332% | 2,136 |
| Equity capital to assets | 11.4850% | 2,549 |
| Core capital (leverage) ratio | 11.3805% | 2,144 |
| Tier 1 risk-based capital ratio | 15.0836% | 2,988 |
| Total risk-based capital ratio | 16.3385% | 2,916 |
| Memoranda: |
| Average total assets | $110,198,000 | 4,883 |
| Average earning assets | $105,579,670 | 4,734 |
| Average equity | $13,808,670 | 4,350 |
| Average total loans | $70,078,000 | 4,958 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2073% | 1,574 |
| Cost of funding earning assets | 3.0327% | 562 |
| Net interest margin | 3.1747% | 5,939 |
| Noninterest income to average assets | 0.5145% | 4,191 |
| Noninterest expense to average assets | 3.7567% | 1,551 |
| Loan and lease loss provision to assets | 0.1475% | 5,056 |
| Net operating income to assets | -0.2232% | 6,589 |
| Return on assets (ROA) | -0.2232% | 6,664 |
| Pretax return on assets | -0.3443% | 6,708 |
| Return on Equity (ROE) | -1.7013% | 6,627 |
| Retained earnings to average equity (ytd only) | -1.7013% | 6,038 |
| Net charge-offs to loans | 0.0820% | 4,347 |
| Credit loss provision to net charge-offs | 278.5714% | 1,722 |
| Earnings coverage of net charge-offs (x) | -3.7143% | 5,535 |
| Efficiency ratio | 105.5260% | 936 |
| Assets per employee ($millions) | 4.0228% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6571% | 2,283 |
| Loan loss allowance to noncurrent loans | 110.0943% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 1.0134% | 4,665 |
| Noncurrent loans to loans | 1.5051% | 4,030 |
| Net loans and leases to total assets | 66.2160% | 4,534 |
| Net loans and leases to deposits | 77.0904% | 5,076 |
| Net loans and leases to core deposits | 137.1391% | 1,242 |
| Total domestic deposits to total assets | 85.8940% | 2,777 |
| Equity capital to assets | 13.3325% | 1,597 |
| Core capital (leverage) ratio | 13.1738% | 1,428 |
| Tier 1 risk-based capital ratio | 16.7063% | 2,444 |
| Total risk-based capital ratio | 17.9584% | 2,373 |
| Memoranda: |
| Average total assets | $105,732,500 | 5,012 |
| Average earning assets | $101,428,500 | 4,878 |
| Average equity | $13,872,000 | 4,367 |
| Average total loans | $68,266,000 | 5,042 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.8015% | 1,669 |
| Cost of funding earning assets | 2.8634% | 2,424 |
| Net interest margin | 3.9381% | 3,407 |
| Noninterest income to average assets | 0.5798% | 4,008 |
| Noninterest expense to average assets | 4.6877% | 772 |
| Loan and lease loss provision to assets | 0.2429% | 4,481 |
| Net operating income to assets | -0.3586% | 6,779 |
| Return on assets (ROA) | -1.0634% | 7,209 |
| Pretax return on assets | -1.6355% | 7,313 |
| Return on Equity (ROE) | -6.6856% | 7,018 |
| Retained earnings to average equity (ytd only) | -6.6856% | 6,751 |
| Net charge-offs to loans | 0.0079% | 6,832 |
| Credit loss provision to net charge-offs | 4,400.0000% | 113 |
| Earnings coverage of net charge-offs (x) | -55.8000% | 6,989 |
| Efficiency ratio | 107.0348% | 784 |
| Assets per employee ($millions) | 3.6852% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7275% | 1,830 |
| Loan loss allowance to noncurrent loans | 142.2167% | 2,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7514% | 4,968 |
| Noncurrent loans to loans | 1.2147% | 4,086 |
| Net loans and leases to total assets | 60.7882% | 5,795 |
| Net loans and leases to deposits | 70.1664% | 6,262 |
| Net loans and leases to core deposits | 126.9740% | 2,085 |
| Total domestic deposits to total assets | 86.6344% | 2,126 |
| Equity capital to assets | 12.9118% | 1,824 |
| Core capital (leverage) ratio | 13.9709% | 1,262 |
| Tier 1 risk-based capital ratio | 17.3981% | 2,207 |
| Total risk-based capital ratio | 18.6508% | 2,148 |
| Memoranda: |
| Average total assets | $90,555,800 | 5,336 |
| Average earning assets | $87,377,200 | 5,169 |
| Average equity | $14,404,000 | 4,252 |
| Average total loans | $63,332,000 | 5,127 |
