| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9996% | 3,261 |
| Cost of funding earning assets | 0.1304% | 3,768 |
| Net interest margin | 2.8692% | 2,926 |
| Noninterest income to average assets | 0.2690% | 3,519 |
| Noninterest expense to average assets | 3.5540% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.6372% | 4,718 |
| Return on assets (ROA) | -0.6372% | 4,710 |
| Pretax return on assets | -0.6372% | 4,698 |
| Return on Equity (ROE) | -7.5877% | 4,727 |
| Retained earnings to average equity (ytd only) | -7.5877% | 4,515 |
| Net charge-offs to loans | -0.1024% | 4,458 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.8447% | 82 |
| Assets per employee ($millions) | 3.5609% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3576% | 2,082 |
| Loan loss allowance to noncurrent loans | 187.9464% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 340 |
| Noncurrent loans to loans | 0.7223% | 1,316 |
| Net loans and leases to total assets | 53.6894% | 2,800 |
| Net loans and leases to deposits | 58.6614% | 3,017 |
| Net loans and leases to core deposits | 60.1956% | 3,127 |
| Total domestic deposits to total assets | 91.5242% | 788 |
| Equity capital to assets | 8.1704% | 3,431 |
| Core capital (leverage) ratio | 8.1296% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8987% | 917 |
| Memoranda: |
| Average total assets | $56,500,000 | 4,476 |
| Average earning assets | $52,140,500 | 4,461 |
| Average equity | $4,744,500 | 4,587 |
| Average total loans | $31,263,500 | 4,306 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2570% | 3,329 |
| Cost of funding earning assets | 0.1544% | 3,923 |
| Net interest margin | 3.1026% | 2,894 |
| Noninterest income to average assets | 0.2007% | 4,163 |
| Noninterest expense to average assets | 2.9953% | 989 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.0638% | 4,649 |
| Return on assets (ROA) | 0.0638% | 4,659 |
| Pretax return on assets | 0.0638% | 4,664 |
| Return on Equity (ROE) | 0.7115% | 4,632 |
| Retained earnings to average equity (ytd only) | 0.7115% | 4,331 |
| Net charge-offs to loans | -0.0887% | 4,548 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9129% | 169 |
| Assets per employee ($millions) | 3.5016% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3104% | 2,312 |
| Loan loss allowance to noncurrent loans | 161.9608% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 1.5136% | 274 |
| Noncurrent loans to loans | 0.8091% | 1,261 |
| Net loans and leases to total assets | 55.5171% | 2,675 |
| Net loans and leases to deposits | 60.9261% | 2,997 |
| Net loans and leases to core deposits | 62.5533% | 3,113 |
| Total domestic deposits to total assets | 91.1220% | 453 |
| Equity capital to assets | 8.6281% | 3,960 |
| Core capital (leverage) ratio | 9.3007% | 3,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4440% | 829 |
| Memoranda: |
| Average total assets | $54,819,400 | 4,509 |
| Average earning assets | $50,506,400 | 4,501 |
| Average equity | $4,919,000 | 4,637 |
| Average total loans | $32,688,400 | 4,322 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0653% | 1,385 |
| Cost of funding earning assets | 0.1571% | 4,042 |
| Net interest margin | 3.9082% | 922 |
| Noninterest income to average assets | 0.2079% | 4,159 |
| Noninterest expense to average assets | 3.5804% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2177% | 4,612 |
| Return on assets (ROA) | 0.2177% | 4,633 |
| Pretax return on assets | 0.2177% | 4,657 |
| Return on Equity (ROE) | 2.4020% | 4,534 |
| Retained earnings to average equity (ytd only) | 2.4020% | 4,080 |
| Net charge-offs to loans | -0.0849% | 4,550 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2692% | 225 |
| Assets per employee ($millions) | 3.3929% | 4,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2588% | 2,687 |
| Loan loss allowance to noncurrent loans | 125.3870% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 1.6873% | 263 |
| Noncurrent loans to loans | 1.0039% | 1,145 |
| Net loans and leases to total assets | 58.5186% | 2,423 |
| Net loans and leases to deposits | 64.4695% | 2,803 |
| Net loans and leases to core deposits | 66.7830% | 2,886 |
| Total domestic deposits to total assets | 90.7694% | 446 |
| Equity capital to assets | 9.0353% | 3,797 |
| Core capital (leverage) ratio | 8.4685% | 4,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9778% | 963 |
| Memoranda: |
| Average total assets | $54,517,750 | 4,576 |
| Average earning assets | $50,081,000 | 4,569 |
| Average equity | $4,940,250 | 4,706 |
| Average total loans | $32,981,250 | 4,375 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4761% | 754 |
| Cost of funding earning assets | 0.1603% | 4,121 |
| Net interest margin | 4.3158% | 479 |
| Noninterest income to average assets | 0.2125% | 4,131 |
| Noninterest expense to average assets | 3.6560% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5019% | 4,213 |
| Return on assets (ROA) | 0.5019% | 4,262 |
| Pretax return on assets | 0.5019% | 4,390 |
| Return on Equity (ROE) | 5.5331% | 4,016 |
| Retained earnings to average equity (ytd only) | 5.5331% | 2,984 |
| Net charge-offs to loans | -0.0902% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9295% | 402 |
| Assets per employee ($millions) | 3.6658% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1505% | 3,190 |
| Loan loss allowance to noncurrent loans | 114.9856% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.7750% | 264 |
| Noncurrent loans to loans | 1.0006% | 1,228 |
| Net loans and leases to total assets | 62.3438% | 2,141 |
| Net loans and leases to deposits | 68.6953% | 2,550 |
| Net loans and leases to core deposits | 71.1239% | 2,676 |
| Total domestic deposits to total assets | 90.7542% | 459 |
| Equity capital to assets | 9.0203% | 3,775 |
| Core capital (leverage) ratio | 8.5534% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3346% | 1,061 |
| Memoranda: |
| Average total assets | $54,594,667 | 4,602 |
| Average earning assets | $49,909,667 | 4,600 |
| Average equity | $4,952,000 | 4,733 |
| Average total loans | $33,250,667 | 4,405 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0233% | 342 |
| Cost of funding earning assets | 0.1631% | 4,216 |
| Net interest margin | 4.8602% | 225 |
| Noninterest income to average assets | 0.2647% | 3,812 |
| Noninterest expense to average assets | 3.2133% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4339% | 1,485 |
| Return on assets (ROA) | 1.4339% | 1,558 |
| Pretax return on assets | 1.4339% | 2,187 |
| Return on Equity (ROE) | 15.7639% | 1,068 |
| Retained earnings to average equity (ytd only) | 15.7639% | 545 |
| Net charge-offs to loans | -0.1106% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1456% | 1,800 |
| Assets per employee ($millions) | 3.0563% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1449% | 3,218 |
| Loan loss allowance to noncurrent loans | 107.1038% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.8087% | 306 |
| Noncurrent loans to loans | 1.0690% | 1,258 |
| Net loans and leases to total assets | 61.5236% | 2,337 |
| Net loans and leases to deposits | 67.7462% | 2,727 |
| Net loans and leases to core deposits | 69.3836% | 2,923 |
| Total domestic deposits to total assets | 90.8149% | 469 |
| Equity capital to assets | 9.1687% | 3,521 |
| Core capital (leverage) ratio | 9.6270% | 2,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8821% | 1,092 |
| Memoranda: |
| Average total assets | $54,398,500 | 4,626 |
| Average earning assets | $49,051,000 | 4,634 |
| Average equity | $4,948,000 | 4,753 |
| Average total loans | $32,536,000 | 4,440 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9299% | 2,937 |
| Cost of funding earning assets | 0.2171% | 4,521 |
| Net interest margin | 3.7128% | 1,754 |
| Noninterest income to average assets | 0.0486% | 4,864 |
| Noninterest expense to average assets | 3.3048% | 903 |
| Loan and lease loss provision to assets | -0.2702% | 4,989 |
| Net operating income to assets | 0.3383% | 4,380 |
| Return on assets (ROA) | 0.3383% | 4,442 |
| Pretax return on assets | 0.3383% | 4,503 |
| Return on Equity (ROE) | 3.6461% | 4,238 |
| Retained earnings to average equity (ytd only) | 3.6461% | 3,012 |
| Net charge-offs to loans | -0.0548% | 4,685 |
| Credit loss provision to net charge-offs | 811.7647% | 888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9827% | 201 |
| Assets per employee ($millions) | 2.9880% | 4,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2421% | 2,738 |
| Loan loss allowance to noncurrent loans | 103.2345% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 1.8593% | 325 |
| Noncurrent loans to loans | 1.2032% | 1,164 |
| Net loans and leases to total assets | 56.6172% | 3,235 |
| Net loans and leases to deposits | 62.4636% | 3,573 |
| Net loans and leases to core deposits | 64.0077% | 3,692 |
| Total domestic deposits to total assets | 90.6403% | 322 |
| Equity capital to assets | 9.0213% | 4,032 |
| Core capital (leverage) ratio | 8.8699% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9863% | 1,531 |
| Memoranda: |
| Average total assets | $51,440,000 | 4,630 |
| Average earning assets | $46,056,600 | 4,648 |
| Average equity | $4,772,200 | 4,778 |
| Average total loans | $31,017,400 | 4,499 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0637% | 2,780 |
| Cost of funding earning assets | 0.2347% | 4,554 |
| Net interest margin | 3.8290% | 1,544 |
| Noninterest income to average assets | -0.1127% | 5,011 |
| Noninterest expense to average assets | 3.3192% | 881 |
| Loan and lease loss provision to assets | -0.3638% | 5,025 |
| Net operating income to assets | 0.3539% | 4,350 |
| Return on assets (ROA) | 0.3539% | 4,407 |
| Pretax return on assets | 0.3539% | 4,483 |
| Return on Equity (ROE) | 3.7876% | 4,209 |
| Retained earnings to average equity (ytd only) | 3.7876% | 3,146 |
| Net charge-offs to loans | -0.0386% | 4,605 |
| Credit loss provision to net charge-offs | 1,533.3333% | 608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3170% | 171 |
| Assets per employee ($millions) | 2.6338% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1984% | 2,676 |
| Loan loss allowance to noncurrent loans | 117.1875% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 420 |
| Noncurrent loans to loans | 1.0226% | 1,464 |
| Net loans and leases to total assets | 58.6958% | 3,353 |
| Net loans and leases to deposits | 64.9129% | 3,713 |
| Net loans and leases to core deposits | 66.5533% | 3,862 |
| Total domestic deposits to total assets | 90.4224% | 302 |
| Equity capital to assets | 9.1656% | 3,984 |
| Core capital (leverage) ratio | 8.8238% | 3,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4198% | 1,684 |
| Memoranda: |
| Average total assets | $50,854,000 | 4,660 |
| Average earning assets | $45,441,750 | 4,678 |
| Average equity | $4,752,250 | 4,805 |
| Average total loans | $31,063,250 | 4,521 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1283% | 2,975 |
| Cost of funding earning assets | 0.2499% | 4,620 |
| Net interest margin | 3.8783% | 1,624 |
| Noninterest income to average assets | -0.3264% | 5,046 |
| Noninterest expense to average assets | 3.1922% | 1,178 |
| Loan and lease loss provision to assets | -0.5493% | 5,060 |
| Net operating income to assets | 0.4896% | 4,045 |
| Return on assets (ROA) | 0.4896% | 4,118 |
| Pretax return on assets | 0.4896% | 4,269 |
| Return on Equity (ROE) | 5.2041% | 3,773 |
| Retained earnings to average equity (ytd only) | 5.2041% | 2,387 |
| Net charge-offs to loans | -0.0581% | 4,719 |
| Credit loss provision to net charge-offs | 1,533.3333% | 591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9060% | 162 |
| Assets per employee ($millions) | 2.6948% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1768% | 2,628 |
| Loan loss allowance to noncurrent loans | 112.2754% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.7868% | 451 |
| Noncurrent loans to loans | 1.0481% | 1,489 |
| Net loans and leases to total assets | 58.4321% | 3,474 |
| Net loans and leases to deposits | 64.2039% | 3,866 |
| Net loans and leases to core deposits | 65.7741% | 3,977 |
| Total domestic deposits to total assets | 91.0103% | 146 |
| Equity capital to assets | 8.9192% | 4,157 |
| Core capital (leverage) ratio | 8.7267% | 4,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0449% | 1,798 |
| Memoranda: |
| Average total assets | $50,247,000 | 4,683 |
| Average earning assets | $44,813,000 | 4,703 |
| Average equity | $4,727,000 | 4,833 |
| Average total loans | $30,986,667 | 4,545 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5346% | 2,214 |
| Cost of funding earning assets | 0.2607% | 4,748 |
| Net interest margin | 4.2739% | 802 |
| Noninterest income to average assets | -0.7682% | 5,098 |
| Noninterest expense to average assets | 3.8494% | 585 |
| Loan and lease loss provision to assets | -1.1482% | 5,110 |
| Net operating income to assets | 0.3222% | 4,303 |
| Return on assets (ROA) | 0.3222% | 4,329 |
| Pretax return on assets | 0.3222% | 4,422 |
| Return on Equity (ROE) | 3.3284% | 4,135 |
| Retained earnings to average equity (ytd only) | 3.3284% | 2,946 |
| Net charge-offs to loans | -0.1048% | 4,824 |
| Credit loss provision to net charge-offs | 1,737.5000% | 375 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.3224% | 84 |
| Assets per employee ($millions) | 2.4009% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2297% | 2,512 |
| Loan loss allowance to noncurrent loans | 55.1775% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.7178% | 242 |
| Noncurrent loans to loans | 2.2286% | 592 |
| Net loans and leases to total assets | 62.3946% | 3,254 |
| Net loans and leases to deposits | 69.2973% | 3,644 |
| Net loans and leases to core deposits | 71.2214% | 3,802 |
| Total domestic deposits to total assets | 90.0389% | 307 |
| Equity capital to assets | 9.8757% | 3,900 |
| Core capital (leverage) ratio | 9.1840% | 4,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6802% | 1,695 |
| Memoranda: |
| Average total assets | $48,423,000 | 4,735 |
| Average earning assets | $42,958,500 | 4,761 |
| Average equity | $4,687,000 | 4,875 |
| Average total loans | $30,546,500 | 4,583 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0539% | 1,337 |
| Cost of funding earning assets | 0.2749% | 4,787 |
| Net interest margin | 4.7790% | 411 |
| Noninterest income to average assets | 0.4766% | 2,869 |
| Noninterest expense to average assets | 4.4520% | 322 |
| Loan and lease loss provision to assets | -0.0975% | 5,076 |
| Net operating income to assets | 0.3401% | 4,698 |
| Return on assets (ROA) | 0.3401% | 4,724 |
| Pretax return on assets | 0.3401% | 4,779 |
| Return on Equity (ROE) | 3.5240% | 4,569 |
| Retained earnings to average equity (ytd only) | 3.5240% | 3,240 |
| Net charge-offs to loans | -0.4381% | 5,117 |
| Credit loss provision to net charge-offs | 31.9149% | 3,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8316% | 230 |
| Assets per employee ($millions) | 2.4415% | 5,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6385% | 903 |
| Loan loss allowance to noncurrent loans | 140.3900% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 2.3081% | 302 |
| Noncurrent loans to loans | 1.1671% | 1,299 |
| Net loans and leases to total assets | 61.9632% | 3,403 |
| Net loans and leases to deposits | 68.6560% | 3,763 |
| Net loans and leases to core deposits | 70.5186% | 3,935 |
| Total domestic deposits to total assets | 90.2517% | 249 |
| Equity capital to assets | 9.4862% | 4,364 |
| Core capital (leverage) ratio | 9.2291% | 4,344 |
| Tier 1 risk-based capital ratio | 14.1228% | 3,204 |
| Total risk-based capital ratio | 15.3736% | 3,118 |
| Memoranda: |
| Average total assets | $46,159,400 | 4,813 |
| Average earning assets | $40,740,600 | 4,833 |
| Average equity | $4,455,200 | 4,951 |
| Average total loans | $32,184,000 | 4,597 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1539% | 1,142 |
| Cost of funding earning assets | 0.2760% | 4,854 |
| Net interest margin | 4.8779% | 359 |
| Noninterest income to average assets | 0.4221% | 3,194 |
| Noninterest expense to average assets | 4.6776% | 261 |
| Loan and lease loss provision to assets | -0.1319% | 5,186 |
| Net operating income to assets | 0.1759% | 4,965 |
| Return on assets (ROA) | 0.1759% | 4,978 |
| Pretax return on assets | 0.1759% | 4,993 |
| Return on Equity (ROE) | 1.8136% | 4,922 |
| Retained earnings to average equity (ytd only) | 1.8136% | 4,336 |
| Net charge-offs to loans | -0.5613% | 5,195 |
| Credit loss provision to net charge-offs | 32.8467% | 2,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0689% | 158 |
| Assets per employee ($millions) | 2.3423% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5779% | 1,040 |
| Loan loss allowance to noncurrent loans | 135.1351% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 2.4293% | 296 |
| Noncurrent loans to loans | 1.1676% | 1,354 |
| Net loans and leases to total assets | 66.5770% | 2,978 |
| Net loans and leases to deposits | 73.9245% | 3,483 |
| Net loans and leases to core deposits | 76.0164% | 3,698 |
| Total domestic deposits to total assets | 90.0608% | 273 |
| Equity capital to assets | 9.6531% | 4,332 |
| Core capital (leverage) ratio | 9.4651% | 4,204 |
| Tier 1 risk-based capital ratio | 13.4322% | 3,610 |
| Total risk-based capital ratio | 14.6840% | 3,515 |
| Memoranda: |
| Average total assets | $45,492,000 | 4,892 |
| Average earning assets | $40,098,000 | 4,909 |
| Average equity | $4,411,000 | 5,022 |
| Average total loans | $32,540,000 | 4,655 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2121% | 963 |
| Cost of funding earning assets | 0.2672% | 4,908 |
| Net interest margin | 4.9449% | 326 |
| Noninterest income to average assets | 0.6350% | 1,997 |
| Noninterest expense to average assets | 4.9111% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0799% | 5,071 |
| Return on assets (ROA) | 0.0799% | 5,079 |
| Pretax return on assets | 0.0799% | 5,080 |
| Return on Equity (ROE) | 0.8230% | 5,063 |
| Retained earnings to average equity (ytd only) | 0.8230% | 4,484 |
| Net charge-offs to loans | -0.8348% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3986% | 172 |
| Assets per employee ($millions) | 2.2274% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6750% | 864 |
| Loan loss allowance to noncurrent loans | 139.3862% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 2.7005% | 252 |
| Noncurrent loans to loans | 1.2017% | 1,332 |
| Net loans and leases to total assets | 71.8147% | 2,235 |
| Net loans and leases to deposits | 79.9101% | 2,964 |
| Net loans and leases to core deposits | 82.2882% | 3,251 |
| Total domestic deposits to total assets | 89.8694% | 373 |
| Equity capital to assets | 9.9802% | 3,988 |
| Core capital (leverage) ratio | 9.3721% | 4,284 |
| Tier 1 risk-based capital ratio | 13.0463% | 3,816 |
| Total risk-based capital ratio | 14.2995% | 3,718 |
| Memoranda: |
| Average total assets | $45,041,000 | 4,939 |
| Average earning assets | $39,677,000 | 4,958 |
| Average equity | $4,374,000 | 5,059 |
| Average total loans | $32,824,000 | 4,683 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1301% | 1,044 |
| Cost of funding earning assets | 0.2600% | 4,953 |
| Net interest margin | 4.8701% | 354 |
| Noninterest income to average assets | 1.0157% | 770 |
| Noninterest expense to average assets | 5.1847% | 185 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1325% | 5,069 |
| Return on assets (ROA) | 0.1325% | 5,075 |
| Pretax return on assets | 0.1325% | 5,082 |
| Return on Equity (ROE) | 1.3831% | 5,040 |
| Retained earnings to average equity (ytd only) | 1.3831% | 4,230 |
| Net charge-offs to loans | -1.4802% | 5,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5083% | 203 |
| Assets per employee ($millions) | 2.0793% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6129% | 1,034 |
| Loan loss allowance to noncurrent loans | 132.8321% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 2.6473% | 271 |
| Noncurrent loans to loans | 1.2142% | 1,354 |
| Net loans and leases to total assets | 70.6744% | 2,381 |
| Net loans and leases to deposits | 78.3378% | 3,026 |
| Net loans and leases to core deposits | 80.5873% | 3,311 |
| Total domestic deposits to total assets | 90.2175% | 376 |
| Equity capital to assets | 9.6010% | 4,163 |
| Core capital (leverage) ratio | 9.2865% | 4,380 |
| Tier 1 risk-based capital ratio | 12.9126% | 3,921 |
| Total risk-based capital ratio | 14.1655% | 3,815 |
| Memoranda: |
| Average total assets | $45,287,500 | 4,990 |
| Average earning assets | $39,999,000 | 5,006 |
| Average equity | $4,338,000 | 5,108 |
| Average total loans | $32,967,500 | 4,729 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6037% | 2,119 |
| Cost of funding earning assets | 0.2290% | 4,894 |
| Net interest margin | 4.3747% | 994 |
| Noninterest income to average assets | 0.5166% | 2,738 |
| Noninterest expense to average assets | 4.8027% | 235 |
| Loan and lease loss provision to assets | -0.0808% | 5,245 |
| Net operating income to assets | -0.3061% | 5,294 |
| Return on assets (ROA) | -0.3061% | 5,290 |
| Pretax return on assets | -0.3061% | 5,285 |
| Return on Equity (ROE) | -3.3062% | 5,293 |
| Retained earnings to average equity (ytd only) | -3.3062% | 5,189 |
| Net charge-offs to loans | -0.2104% | 5,273 |
| Credit loss provision to net charge-offs | 59.3750% | 3,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7626% | 88 |
| Assets per employee ($millions) | 2.0377% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2336% | 2,389 |
| Loan loss allowance to noncurrent loans | 89.6703% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 2.9088% | 227 |
| Noncurrent loans to loans | 1.3757% | 1,137 |
| Net loans and leases to total assets | 72.8686% | 2,118 |
| Net loans and leases to deposits | 80.9290% | 2,861 |
| Net loans and leases to core deposits | 83.2981% | 3,151 |
| Total domestic deposits to total assets | 90.0402% | 464 |
| Equity capital to assets | 9.5561% | 4,081 |
| Core capital (leverage) ratio | 9.1435% | 4,516 |
| Tier 1 risk-based capital ratio | 12.4903% | 4,146 |
| Total risk-based capital ratio | 13.7068% | 4,037 |
| Memoranda: |
| Average total assets | $47,035,800 | 4,993 |
| Average earning assets | $41,923,000 | 5,019 |
| Average equity | $4,355,400 | 5,126 |
| Average total loans | $30,411,200 | 4,810 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5418% | 2,151 |
| Cost of funding earning assets | 0.2255% | 4,919 |
| Net interest margin | 4.3163% | 1,082 |
| Noninterest income to average assets | 0.4987% | 2,879 |
| Noninterest expense to average assets | 4.7126% | 248 |
| Loan and lease loss provision to assets | -0.1065% | 5,354 |
| Net operating income to assets | -0.2466% | 5,353 |
| Return on assets (ROA) | -0.2466% | 5,352 |
| Pretax return on assets | -0.2466% | 5,348 |
| Return on Equity (ROE) | -2.6829% | 5,363 |
| Retained earnings to average equity (ytd only) | -2.6829% | 5,235 |
| Net charge-offs to loans | -0.2286% | 5,321 |
| Credit loss provision to net charge-offs | 74.5098% | 2,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0977% | 90 |
| Assets per employee ($millions) | 2.0950% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2381% | 2,417 |
| Loan loss allowance to noncurrent loans | 116.5192% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 2.6959% | 301 |
| Noncurrent loans to loans | 1.0626% | 1,607 |
| Net loans and leases to total assets | 65.3910% | 3,262 |
| Net loans and leases to deposits | 71.9870% | 3,770 |
| Net loans and leases to core deposits | 75.6985% | 3,829 |
| Total domestic deposits to total assets | 90.8372% | 260 |
| Equity capital to assets | 8.8619% | 4,669 |
| Core capital (leverage) ratio | 8.9175% | 4,784 |
| Tier 1 risk-based capital ratio | 12.8989% | 3,962 |
| Total risk-based capital ratio | 14.0994% | 3,896 |
| Memoranda: |
| Average total assets | $47,587,250 | 5,035 |
| Average earning assets | $42,566,250 | 5,060 |
| Average equity | $4,373,250 | 5,189 |
| Average total loans | $29,745,250 | 4,877 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2841% | 2,819 |
| Cost of funding earning assets | 0.2272% | 4,876 |
| Net interest margin | 4.0569% | 1,680 |
| Noninterest income to average assets | 0.6415% | 2,133 |
| Noninterest expense to average assets | 4.5370% | 288 |
| Loan and lease loss provision to assets | -0.1604% | 5,457 |
| Net operating income to assets | -0.1182% | 5,384 |
| Return on assets (ROA) | -0.1182% | 5,380 |
| Pretax return on assets | -0.1182% | 5,379 |
| Return on Equity (ROE) | -1.2705% | 5,387 |
| Retained earnings to average equity (ytd only) | -1.2705% | 5,097 |
| Net charge-offs to loans | -0.3170% | 5,394 |
| Credit loss provision to net charge-offs | 82.6087% | 2,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5411% | 110 |
| Assets per employee ($millions) | 2.0445% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2859% | 2,236 |
| Loan loss allowance to noncurrent loans | 167.3820% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 2.4626% | 359 |
| Noncurrent loans to loans | 0.7683% | 2,199 |
| Net loans and leases to total assets | 63.6654% | 3,434 |
| Net loans and leases to deposits | 70.5719% | 3,814 |
| Net loans and leases to core deposits | 74.5338% | 3,843 |
| Total domestic deposits to total assets | 90.2135% | 499 |
| Equity capital to assets | 9.2995% | 4,278 |
| Core capital (leverage) ratio | 9.1740% | 4,494 |
| Tier 1 risk-based capital ratio | 13.7640% | 3,473 |
| Total risk-based capital ratio | 15.0112% | 3,387 |
| Memoranda: |
| Average total assets | $47,388,330 | 5,101 |
| Average earning assets | $42,249,000 | 5,122 |
| Average equity | $4,407,670 | 5,245 |
| Average total loans | $29,026,000 | 4,946 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2747% | 2,619 |
| Cost of funding earning assets | 0.2275% | 4,847 |
| Net interest margin | 4.0472% | 1,572 |
| Noninterest income to average assets | 0.6138% | 2,196 |
| Noninterest expense to average assets | 4.5659% | 280 |
| Loan and lease loss provision to assets | -0.1261% | 5,524 |
| Net operating income to assets | -0.2354% | 5,457 |
| Return on assets (ROA) | -0.2354% | 5,451 |
| Pretax return on assets | -0.2354% | 5,450 |
| Return on Equity (ROE) | -2.5311% | 5,459 |
| Retained earnings to average equity (ytd only) | -2.5311% | 5,052 |
| Net charge-offs to loans | -0.2537% | 5,421 |
| Credit loss provision to net charge-offs | 83.3333% | 1,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.6000% | 110 |
| Assets per employee ($millions) | 2.0543% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3543% | 2,006 |
| Loan loss allowance to noncurrent loans | 221.2644% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 2.3259% | 427 |
| Noncurrent loans to loans | 0.6121% | 2,709 |
| Net loans and leases to total assets | 59.3503% | 3,810 |
| Net loans and leases to deposits | 65.7052% | 4,109 |
| Net loans and leases to core deposits | 69.1719% | 4,132 |
| Total domestic deposits to total assets | 90.3280% | 532 |
| Equity capital to assets | 9.2508% | 4,317 |
| Core capital (leverage) ratio | 9.1982% | 4,436 |
| Tier 1 risk-based capital ratio | 14.7757% | 2,990 |
| Total risk-based capital ratio | 16.0253% | 2,914 |
| Memoranda: |
| Average total assets | $47,570,500 | 5,153 |
| Average earning assets | $42,201,500 | 5,180 |
| Average equity | $4,425,000 | 5,296 |
| Average total loans | $28,375,000 | 5,011 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3994% | 2,022 |
| Cost of funding earning assets | 0.2365% | 4,673 |
| Net interest margin | 4.1629% | 1,270 |
| Noninterest income to average assets | 0.5001% | 3,000 |
| Noninterest expense to average assets | 4.8130% | 249 |
| Loan and lease loss provision to assets | 0.4290% | 331 |
| Net operating income to assets | -1.0589% | 5,594 |
| Return on assets (ROA) | -1.0024% | 5,587 |
| Pretax return on assets | -1.0024% | 5,598 |
| Return on Equity (ROE) | -10.0293% | 5,590 |
| Retained earnings to average equity (ytd only) | -10.0293% | 5,533 |
| Net charge-offs to loans | 0.3649% | 696 |
| Credit loss provision to net charge-offs | 199.0291% | 1,372 |
| Earnings coverage of net charge-offs (x) | -2.9223% | 4,060 |
| Efficiency ratio | 115.0575% | 78 |
| Assets per employee ($millions) | 2.0822% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3488% | 1,977 |
| Loan loss allowance to noncurrent loans | 251.3158% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 2.2489% | 450 |
| Noncurrent loans to loans | 0.5367% | 2,891 |
| Net loans and leases to total assets | 58.3408% | 3,981 |
| Net loans and leases to deposits | 64.7164% | 4,280 |
| Net loans and leases to core deposits | 68.0849% | 4,286 |
| Total domestic deposits to total assets | 90.1485% | 518 |
| Equity capital to assets | 9.3525% | 4,375 |
| Core capital (leverage) ratio | 9.2691% | 4,327 |
| Tier 1 risk-based capital ratio | 14.7282% | 2,976 |
| Total risk-based capital ratio | 15.9827% | 2,909 |
| Memoranda: |
| Average total assets | $47,787,600 | 5,195 |
| Average earning assets | $42,278,600 | 5,227 |
| Average equity | $4,776,000 | 5,309 |
| Average total loans | $28,229,600 | 5,065 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3181% | 2,215 |
| Cost of funding earning assets | 0.2401% | 4,655 |
| Net interest margin | 4.0780% | 1,454 |
| Noninterest income to average assets | 0.5220% | 2,888 |
| Noninterest expense to average assets | 4.5949% | 293 |
| Loan and lease loss provision to assets | 0.5723% | 193 |
| Net operating income to assets | -1.0413% | 5,670 |
| Return on assets (ROA) | -0.9854% | 5,669 |
| Pretax return on assets | -0.9854% | 5,658 |
| Return on Equity (ROE) | -9.7036% | 5,668 |
| Retained earnings to average equity (ytd only) | -9.7036% | 5,607 |
| Net charge-offs to loans | 0.4538% | 458 |
| Credit loss provision to net charge-offs | 213.5417% | 1,285 |
| Earnings coverage of net charge-offs (x) | -1.7499% | 3,730 |
| Efficiency ratio | 111.3667% | 89 |
| Assets per employee ($millions) | 2.0673% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3693% | 2,025 |
| Loan loss allowance to noncurrent loans | 79.8768% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 2.9696% | 302 |
| Noncurrent loans to loans | 1.7142% | 1,054 |
| Net loans and leases to total assets | 58.9299% | 3,972 |
| Net loans and leases to deposits | 65.9139% | 4,260 |
| Net loans and leases to core deposits | 69.3942% | 4,277 |
| Total domestic deposits to total assets | 89.4044% | 697 |
| Equity capital to assets | 9.8869% | 4,042 |
| Core capital (leverage) ratio | 9.1249% | 4,607 |
| Tier 1 risk-based capital ratio | 14.3931% | 3,243 |
| Total risk-based capital ratio | 15.6499% | 3,157 |
| Memoranda: |
| Average total assets | $47,761,750 | 5,255 |
| Average earning assets | $42,209,000 | 5,286 |
| Average equity | $4,850,250 | 5,356 |
| Average total loans | $28,206,500 | 5,119 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3759% | 1,892 |
| Cost of funding earning assets | 0.2428% | 4,614 |
| Net interest margin | 4.1331% | 1,242 |
| Noninterest income to average assets | 0.6648% | 2,147 |
| Noninterest expense to average assets | 4.5492% | 303 |
| Loan and lease loss provision to assets | 0.8571% | 117 |
| Net operating income to assets | -1.1122% | 5,722 |
| Return on assets (ROA) | -1.1122% | 5,722 |
| Pretax return on assets | -1.1122% | 5,719 |
| Return on Equity (ROE) | -10.8571% | 5,724 |
| Retained earnings to average equity (ytd only) | -10.8571% | 5,665 |
| Net charge-offs to loans | 1.2367% | 156 |
| Credit loss provision to net charge-offs | 117.8161% | 1,805 |
| Earnings coverage of net charge-offs (x) | -0.3506% | 3,420 |
| Efficiency ratio | 105.9396% | 132 |
| Assets per employee ($millions) | 2.0533% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1231% | 3,455 |
| Loan loss allowance to noncurrent loans | 46.6267% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 3.3710% | 248 |
| Noncurrent loans to loans | 2.4088% | 646 |
| Net loans and leases to total assets | 57.9744% | 4,037 |
| Net loans and leases to deposits | 64.9191% | 4,310 |
| Net loans and leases to core deposits | 68.8485% | 4,310 |
| Total domestic deposits to total assets | 89.3025% | 806 |
| Equity capital to assets | 10.2147% | 3,656 |
| Core capital (leverage) ratio | 9.5266% | 4,108 |
| Tier 1 risk-based capital ratio | 15.7714% | 2,591 |
| Total risk-based capital ratio | 16.8604% | 2,595 |
| Memoranda: |
| Average total assets | $47,833,000 | 5,294 |
| Average earning assets | $42,002,670 | 5,327 |
| Average equity | $4,900,000 | 5,383 |
| Average total loans | $28,139,000 | 5,161 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6443% | 1,041 |
| Cost of funding earning assets | 0.2469% | 4,561 |
| Net interest margin | 4.3974% | 645 |
| Noninterest income to average assets | 0.1745% | 5,235 |
| Noninterest expense to average assets | 4.3210% | 379 |
| Loan and lease loss provision to assets | 1.7035% | 46 |
| Net operating income to assets | -2.0026% | 5,817 |
| Return on assets (ROA) | -2.0026% | 5,817 |
| Pretax return on assets | -2.0026% | 5,813 |
| Return on Equity (ROE) | -19.5221% | 5,817 |
| Retained earnings to average equity (ytd only) | -19.5221% | 5,720 |
| Net charge-offs to loans | 2.7782% | 59 |
| Credit loss provision to net charge-offs | 104.0609% | 1,524 |
| Earnings coverage of net charge-offs (x) | -0.1827% | 2,860 |
| Efficiency ratio | 107.4380% | 150 |
| Assets per employee ($millions) | 2.0739% | 5,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0353% | 4,058 |
| Loan loss allowance to noncurrent loans | 57.8313% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 3.2348% | 289 |
| Noncurrent loans to loans | 1.7902% | 1,047 |
| Net loans and leases to total assets | 57.7149% | 4,000 |
| Net loans and leases to deposits | 64.5714% | 4,277 |
| Net loans and leases to core deposits | 68.4264% | 4,264 |
| Total domestic deposits to total assets | 89.3816% | 958 |
| Equity capital to assets | 10.0482% | 3,700 |
| Core capital (leverage) ratio | 9.3246% | 4,314 |
| Tier 1 risk-based capital ratio | 14.6682% | 3,131 |
| Total risk-based capital ratio | 15.6369% | 3,191 |
| Memoranda: |
| Average total assets | $48,136,500 | 5,346 |
| Average earning assets | $42,116,000 | 5,382 |
| Average equity | $4,938,000 | 5,428 |
| Average total loans | $28,363,500 | 5,209 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4514% | 1,685 |
| Cost of funding earning assets | 0.2558% | 4,512 |
| Net interest margin | 4.1955% | 1,128 |
| Noninterest income to average assets | 0.3383% | 4,317 |
| Noninterest expense to average assets | 4.5762% | 349 |
| Loan and lease loss provision to assets | 0.0525% | 3,338 |
| Net operating income to assets | -0.6724% | 5,811 |
| Return on assets (ROA) | -0.6429% | 5,810 |
| Pretax return on assets | -0.6429% | 5,798 |
| Return on Equity (ROE) | -5.6289% | 5,800 |
| Retained earnings to average equity (ytd only) | -5.6289% | 5,698 |
| Net charge-offs to loans | 0.6636% | 331 |
| Credit loss provision to net charge-offs | 13.0890% | 3,727 |
| Earnings coverage of net charge-offs (x) | -1.5445% | 4,185 |
| Efficiency ratio | 115.6665% | 98 |
| Assets per employee ($millions) | 2.1119% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9651% | 4,498 |
| Loan loss allowance to noncurrent loans | 75.4054% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 3.2631% | 277 |
| Noncurrent loans to loans | 1.2799% | 1,601 |
| Net loans and leases to total assets | 58.9422% | 3,967 |
| Net loans and leases to deposits | 66.2685% | 4,223 |
| Net loans and leases to core deposits | 70.1630% | 4,229 |
| Total domestic deposits to total assets | 88.9445% | 1,146 |
| Equity capital to assets | 10.4647% | 3,193 |
| Core capital (leverage) ratio | 10.9090% | 2,434 |
| Tier 1 risk-based capital ratio | 18.6128% | 1,699 |
| Total risk-based capital ratio | 19.6254% | 1,722 |
| Memoranda: |
| Average total assets | $47,593,600 | 5,393 |
| Average earning assets | $41,043,600 | 5,443 |
| Average equity | $5,436,200 | 5,385 |
| Average total loans | $28,781,200 | 5,237 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5696% | 1,363 |
| Cost of funding earning assets | 0.2579% | 4,536 |
| Net interest margin | 4.3118% | 910 |
| Noninterest income to average assets | 0.4252% | 3,729 |
| Noninterest expense to average assets | 4.5139% | 378 |
| Loan and lease loss provision to assets | -0.4928% | 5,942 |
| Net operating income to assets | 0.1239% | 5,596 |
| Return on assets (ROA) | 0.1633% | 5,586 |
| Pretax return on assets | 0.1633% | 5,605 |
| Return on Equity (ROE) | 1.3998% | 5,579 |
| Retained earnings to average equity (ytd only) | 1.3998% | 4,950 |
| Net charge-offs to loans | -0.5055% | 5,889 |
| Credit loss provision to net charge-offs | 160.5505% | 1,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8995% | 129 |
| Assets per employee ($millions) | 2.0185% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3160% | 2,592 |
| Loan loss allowance to noncurrent loans | 62.5413% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 5.3815% | 121 |
| Noncurrent loans to loans | 2.1042% | 912 |
| Net loans and leases to total assets | 58.6657% | 4,029 |
| Net loans and leases to deposits | 66.9825% | 4,249 |
| Net loans and leases to core deposits | 70.9879% | 4,249 |
| Total domestic deposits to total assets | 87.5836% | 1,623 |
| Equity capital to assets | 11.6444% | 2,406 |
| Core capital (leverage) ratio | 11.6925% | 1,897 |
| Tier 1 risk-based capital ratio | 19.3030% | 1,602 |
| Total risk-based capital ratio | 20.5512% | 1,562 |
| Memoranda: |
| Average total assets | $47,348,750 | 5,454 |
| Average earning assets | $40,848,250 | 5,501 |
| Average equity | $5,524,500 | 5,417 |
| Average total loans | $28,749,250 | 5,286 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8011% | 883 |
| Cost of funding earning assets | 0.2599% | 4,548 |
| Net interest margin | 4.5412% | 565 |
| Noninterest income to average assets | 0.4768% | 3,358 |
| Noninterest expense to average assets | 4.5079% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0894% | 5,809 |
| Return on assets (ROA) | -0.0298% | 5,806 |
| Pretax return on assets | -0.0298% | 5,801 |
| Return on Equity (ROE) | -0.2552% | 5,807 |
| Retained earnings to average equity (ytd only) | -0.2552% | 5,332 |
| Net charge-offs to loans | -0.8771% | 5,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0231% | 218 |
| Assets per employee ($millions) | 2.0244% | 5,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.0382% | 688 |
| Loan loss allowance to noncurrent loans | 190.6355% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 4.9870% | 151 |
| Noncurrent loans to loans | 1.0692% | 2,153 |
| Net loans and leases to total assets | 58.8389% | 4,029 |
| Net loans and leases to deposits | 67.1454% | 4,254 |
| Net loans and leases to core deposits | 71.3215% | 4,228 |
| Total domestic deposits to total assets | 87.6291% | 1,614 |
| Equity capital to assets | 11.8962% | 2,199 |
| Core capital (leverage) ratio | 11.6156% | 1,898 |
| Tier 1 risk-based capital ratio | 19.6951% | 1,522 |
| Total risk-based capital ratio | 20.9550% | 1,483 |
| Memoranda: |
| Average total assets | $46,983,670 | 5,524 |
| Average earning assets | $40,782,330 | 5,570 |
| Average equity | $5,485,670 | 5,476 |
| Average total loans | $28,732,670 | 5,346 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7915% | 866 |
| Cost of funding earning assets | 0.2603% | 4,608 |
| Net interest margin | 4.5312% | 574 |
| Noninterest income to average assets | 0.6865% | 2,105 |
| Noninterest expense to average assets | 4.6361% | 349 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0339% | 5,763 |
| Return on assets (ROA) | 0.1526% | 5,663 |
| Pretax return on assets | 0.1526% | 5,690 |
| Return on Equity (ROE) | 1.3189% | 5,643 |
| Retained earnings to average equity (ytd only) | 1.3189% | 4,733 |
| Net charge-offs to loans | -1.6074% | 6,059 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2740% | 311 |
| Assets per employee ($millions) | 2.0340% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.9561% | 887 |
| Loan loss allowance to noncurrent loans | 53.2197% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 4.5702% | 192 |
| Noncurrent loans to loans | 3.6756% | 353 |
| Net loans and leases to total assets | 60.2125% | 3,743 |
| Net loans and leases to deposits | 68.5386% | 3,999 |
| Net loans and leases to core deposits | 72.9552% | 3,980 |
| Total domestic deposits to total assets | 87.8519% | 1,725 |
| Equity capital to assets | 11.7419% | 2,207 |
| Core capital (leverage) ratio | 11.6285% | 1,887 |
| Tier 1 risk-based capital ratio | 19.5855% | 1,594 |
| Total risk-based capital ratio | 20.8471% | 1,559 |
| Memoranda: |
| Average total assets | $47,195,000 | 5,573 |
| Average earning assets | $41,490,500 | 5,602 |
| Average equity | $5,459,000 | 5,518 |
| Average total loans | $29,116,000 | 5,372 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3092% | 2,199 |
| Cost of funding earning assets | 0.2879% | 4,387 |
| Net interest margin | 4.0213% | 1,649 |
| Noninterest income to average assets | 0.7317% | 2,053 |
| Noninterest expense to average assets | 4.8284% | 317 |
| Loan and lease loss provision to assets | -0.6709% | 6,151 |
| Net operating income to assets | 0.0587% | 5,804 |
| Return on assets (ROA) | 0.1593% | 5,709 |
| Pretax return on assets | 0.1593% | 5,744 |
| Return on Equity (ROE) | 1.3889% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.3889% | 4,933 |
| Net charge-offs to loans | -0.1728% | 5,931 |
| Credit loss provision to net charge-offs | 680.8511% | 495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5201% | 112 |
| Assets per employee ($millions) | 2.0700% | 6,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5084% | 1,960 |
| Loan loss allowance to noncurrent loans | 200.4505% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 2.5247% | 613 |
| Noncurrent loans to loans | 0.7525% | 2,923 |
| Net loans and leases to total assets | 61.0326% | 3,684 |
| Net loans and leases to deposits | 69.3882% | 3,986 |
| Net loans and leases to core deposits | 74.1099% | 3,929 |
| Total domestic deposits to total assets | 87.9582% | 1,651 |
| Equity capital to assets | 11.3949% | 2,452 |
| Core capital (leverage) ratio | 11.4838% | 1,971 |
| Tier 1 risk-based capital ratio | 18.7354% | 1,766 |
| Total risk-based capital ratio | 19.9881% | 1,721 |
| Memoranda: |
| Average total assets | $47,696,600 | 5,595 |
| Average earning assets | $41,330,400 | 5,644 |
| Average equity | $5,472,000 | 5,543 |
| Average total loans | $27,202,800 | 5,471 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3473% | 2,086 |
| Cost of funding earning assets | 0.2950% | 4,395 |
| Net interest margin | 4.0523% | 1,553 |
| Noninterest income to average assets | 0.8774% | 1,520 |
| Noninterest expense to average assets | 4.8226% | 328 |
| Loan and lease loss provision to assets | -0.8941% | 6,256 |
| Net operating income to assets | 0.4415% | 5,001 |
| Return on assets (ROA) | 0.5756% | 4,591 |
| Pretax return on assets | 0.5756% | 5,032 |
| Return on Equity (ROE) | 5.0086% | 4,621 |
| Retained earnings to average equity (ytd only) | 5.0086% | 2,908 |
| Net charge-offs to loans | -0.2453% | 6,046 |
| Credit loss provision to net charge-offs | 653.0612% | 520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3581% | 149 |
| Assets per employee ($millions) | 2.0488% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5746% | 1,871 |
| Loan loss allowance to noncurrent loans | 199.5536% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 2.5550% | 662 |
| Noncurrent loans to loans | 0.7891% | 2,992 |
| Net loans and leases to total assets | 59.2938% | 3,966 |
| Net loans and leases to deposits | 67.7785% | 4,212 |
| Net loans and leases to core deposits | 72.4686% | 4,154 |
| Total domestic deposits to total assets | 87.4817% | 1,811 |
| Equity capital to assets | 11.9241% | 2,165 |
| Core capital (leverage) ratio | 11.8193% | 1,800 |
| Tier 1 risk-based capital ratio | 19.3928% | 1,686 |
| Total risk-based capital ratio | 20.6481% | 1,658 |
| Memoranda: |
| Average total assets | $47,718,500 | 5,667 |
| Average earning assets | $41,128,250 | 5,718 |
| Average equity | $5,483,750 | 5,615 |
| Average total loans | $26,628,000 | 5,560 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1587% | 2,690 |
| Cost of funding earning assets | 0.2998% | 4,399 |
| Net interest margin | 3.8589% | 2,109 |
| Noninterest income to average assets | 1.1579% | 896 |
| Noninterest expense to average assets | 4.7568% | 353 |
| Loan and lease loss provision to assets | -1.3376% | 6,335 |
| Net operating income to assets | 1.0743% | 2,037 |
| Return on assets (ROA) | 1.2080% | 1,655 |
| Pretax return on assets | 1.2080% | 2,745 |
| Return on Equity (ROE) | 10.7662% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.7662% | 534 |
| Net charge-offs to loans | -0.2611% | 6,091 |
| Credit loss provision to net charge-offs | 941.1765% | 380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8605% | 218 |
| Assets per employee ($millions) | 2.0228% | 6,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.6509% | 1,740 |
| Loan loss allowance to noncurrent loans | 124.4957% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 2.6265% | 699 |
| Noncurrent loans to loans | 1.3261% | 2,030 |
| Net loans and leases to total assets | 55.3143% | 4,406 |
| Net loans and leases to deposits | 63.1797% | 4,606 |
| Net loans and leases to core deposits | 66.7246% | 4,595 |
| Total domestic deposits to total assets | 87.5508% | 1,880 |
| Equity capital to assets | 11.9269% | 2,083 |
| Core capital (leverage) ratio | 11.7250% | 1,823 |
| Tier 1 risk-based capital ratio | 19.2250% | 1,742 |
| Total risk-based capital ratio | 20.4746% | 1,709 |
| Memoranda: |
| Average total assets | $47,847,000 | 5,724 |
| Average earning assets | $41,359,000 | 5,780 |
| Average equity | $5,368,670 | 5,687 |
| Average total loans | $26,041,330 | 5,630 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0989% | 2,836 |
| Cost of funding earning assets | 0.2955% | 4,487 |
| Net interest margin | 3.8034% | 2,223 |
| Noninterest income to average assets | 1.2369% | 745 |
| Noninterest expense to average assets | 5.5661% | 216 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.0390% | 6,326 |
| Return on assets (ROA) | -0.7751% | 6,299 |
| Pretax return on assets | -0.7751% | 6,286 |
| Return on Equity (ROE) | -7.1232% | 6,294 |
| Retained earnings to average equity (ytd only) | -7.1232% | 6,044 |
| Net charge-offs to loans | -0.2925% | 6,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.9508% | 110 |
| Assets per employee ($millions) | 1.8432% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.8544% | 343 |
| Loan loss allowance to noncurrent loans | 202.4725% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 2.5853% | 810 |
| Noncurrent loans to loans | 1.4098% | 2,037 |
| Net loans and leases to total assets | 52.3391% | 4,630 |
| Net loans and leases to deposits | 59.0633% | 4,824 |
| Net loans and leases to core deposits | 62.2283% | 4,825 |
| Total domestic deposits to total assets | 88.6153% | 1,490 |
| Equity capital to assets | 10.9361% | 3,043 |
| Core capital (leverage) ratio | 10.6986% | 2,749 |
| Tier 1 risk-based capital ratio | 18.3063% | 2,060 |
| Total risk-based capital ratio | 19.5710% | 2,012 |
| Memoranda: |
| Average total assets | $48,508,000 | 5,760 |
| Average earning assets | $41,962,500 | 5,815 |
| Average equity | $5,278,500 | 5,763 |
| Average total loans | $25,978,500 | 5,676 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6338% | 1,464 |
| Cost of funding earning assets | 0.3452% | 4,304 |
| Net interest margin | 4.2887% | 1,079 |
| Noninterest income to average assets | 0.2895% | 5,047 |
| Noninterest expense to average assets | 4.7028% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.8417% | 6,350 |
| Return on assets (ROA) | -0.8458% | 6,353 |
| Pretax return on assets | -0.8458% | 6,346 |
| Return on Equity (ROE) | -7.5511% | 6,332 |
| Retained earnings to average equity (ytd only) | -7.5511% | 6,258 |
| Net charge-offs to loans | -0.0596% | 5,982 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7997% | 121 |
| Assets per employee ($millions) | 2.0455% | 6,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7471% | 401 |
| Loan loss allowance to noncurrent loans | 215.6156% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 2.5748% | 878 |
| Noncurrent loans to loans | 1.2741% | 2,327 |
| Net loans and leases to total assets | 51.7783% | 4,805 |
| Net loans and leases to deposits | 58.2363% | 5,049 |
| Net loans and leases to core deposits | 61.6487% | 5,030 |
| Total domestic deposits to total assets | 88.9106% | 1,285 |
| Equity capital to assets | 10.8286% | 3,088 |
| Core capital (leverage) ratio | 10.8259% | 2,587 |
| Tier 1 risk-based capital ratio | 18.0521% | 2,119 |
| Total risk-based capital ratio | 19.3187% | 2,082 |
| Memoranda: |
| Average total assets | $48,354,200 | 5,825 |
| Average earning assets | $40,269,000 | 5,911 |
| Average equity | $5,416,400 | 5,759 |
| Average total loans | $26,834,600 | 5,706 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6811% | 1,352 |
| Cost of funding earning assets | 0.3585% | 4,247 |
| Net interest margin | 4.3226% | 1,004 |
| Noninterest income to average assets | 0.2962% | 5,084 |
| Noninterest expense to average assets | 4.7304% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.8636% | 6,447 |
| Return on assets (ROA) | -0.8691% | 6,446 |
| Pretax return on assets | -0.8691% | 6,432 |
| Return on Equity (ROE) | -7.6938% | 6,417 |
| Retained earnings to average equity (ytd only) | -7.6938% | 6,337 |
| Net charge-offs to loans | -0.0938% | 6,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.3336% | 120 |
| Assets per employee ($millions) | 1.9928% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6529% | 522 |
| Loan loss allowance to noncurrent loans | 203.3803% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 2.6889% | 942 |
| Noncurrent loans to loans | 1.3044% | 2,468 |
| Net loans and leases to total assets | 55.3955% | 4,410 |
| Net loans and leases to deposits | 62.8103% | 4,663 |
| Net loans and leases to core deposits | 66.6181% | 4,651 |
| Total domestic deposits to total assets | 88.1950% | 1,660 |
| Equity capital to assets | 11.1799% | 2,786 |
| Core capital (leverage) ratio | 11.0422% | 2,446 |
| Tier 1 risk-based capital ratio | 17.6983% | 2,318 |
| Total risk-based capital ratio | 18.9569% | 2,274 |
| Memoranda: |
| Average total assets | $48,169,750 | 5,900 |
| Average earning assets | $39,790,250 | 5,993 |
| Average equity | $5,441,500 | 5,813 |
| Average total loans | $27,009,000 | 5,754 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6994% | 1,279 |
| Cost of funding earning assets | 0.3658% | 4,253 |
| Net interest margin | 4.3336% | 964 |
| Noninterest income to average assets | 0.3189% | 4,864 |
| Noninterest expense to average assets | 4.8712% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.0190% | 6,529 |
| Return on assets (ROA) | -1.0273% | 6,529 |
| Pretax return on assets | -1.0273% | 6,510 |
| Return on Equity (ROE) | -9.0627% | 6,504 |
| Retained earnings to average equity (ytd only) | -9.0627% | 6,399 |
| Net charge-offs to loans | -0.2524% | 6,399 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4516% | 114 |
| Assets per employee ($millions) | 1.9296% | 6,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7506% | 500 |
| Loan loss allowance to noncurrent loans | 60.3774% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 4.5045% | 437 |
| Noncurrent loans to loans | 4.5556% | 478 |
| Net loans and leases to total assets | 53.9417% | 4,549 |
| Net loans and leases to deposits | 61.2038% | 4,759 |
| Net loans and leases to core deposits | 64.8766% | 4,738 |
| Total domestic deposits to total assets | 88.1346% | 1,829 |
| Equity capital to assets | 11.2850% | 2,624 |
| Core capital (leverage) ratio | 10.9718% | 2,454 |
| Tier 1 risk-based capital ratio | 18.1227% | 2,196 |
| Total risk-based capital ratio | 19.3900% | 2,161 |
| Memoranda: |
| Average total assets | $48,284,000 | 5,941 |
| Average earning assets | $39,367,000 | 6,065 |
| Average equity | $5,473,000 | 5,843 |
| Average total loans | $26,940,000 | 5,795 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7791% | 1,086 |
| Cost of funding earning assets | 0.3668% | 4,356 |
| Net interest margin | 4.4123% | 784 |
| Noninterest income to average assets | 0.3809% | 4,345 |
| Noninterest expense to average assets | 4.9684% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1013% | 6,585 |
| Return on assets (ROA) | -1.1179% | 6,583 |
| Pretax return on assets | -1.1179% | 6,575 |
| Return on Equity (ROE) | -9.8405% | 6,560 |
| Retained earnings to average equity (ytd only) | -9.8405% | 6,353 |
| Net charge-offs to loans | -0.1036% | 6,129 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.4797% | 129 |
| Assets per employee ($millions) | 1.7547% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6004% | 716 |
| Loan loss allowance to noncurrent loans | 51.8654% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 5.4446% | 355 |
| Noncurrent loans to loans | 5.0138% | 443 |
| Net loans and leases to total assets | 54.0514% | 4,410 |
| Net loans and leases to deposits | 61.1467% | 4,649 |
| Net loans and leases to core deposits | 64.7265% | 4,620 |
| Total domestic deposits to total assets | 88.3963% | 1,995 |
| Equity capital to assets | 11.0887% | 2,637 |
| Core capital (leverage) ratio | 11.4258% | 2,024 |
| Tier 1 risk-based capital ratio | 17.8436% | 2,356 |
| Total risk-based capital ratio | 19.1077% | 2,330 |
| Memoranda: |
| Average total assets | $48,305,500 | 5,996 |
| Average earning assets | $38,166,000 | 6,164 |
| Average equity | $5,487,500 | 5,868 |
| Average total loans | $27,031,000 | 5,852 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2847% | 549 |
| Cost of funding earning assets | 0.4150% | 4,481 |
| Net interest margin | 4.8697% | 385 |
| Noninterest income to average assets | 0.0890% | 6,425 |
| Noninterest expense to average assets | 5.2979% | 285 |
| Loan and lease loss provision to assets | -1.5941% | 6,806 |
| Net operating income to assets | 0.3934% | 5,173 |
| Return on assets (ROA) | 0.4161% | 5,202 |
| Pretax return on assets | 0.4161% | 5,454 |
| Return on Equity (ROE) | 3.6901% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.6901% | 3,589 |
| Net charge-offs to loans | 0.0135% | 5,182 |
| Credit loss provision to net charge-offs | -19,250.0000% | 6,424 |
| Earnings coverage of net charge-offs (x) | -145.0000% | 5,467 |
| Efficiency ratio | 129.3077% | 129 |
| Assets per employee ($millions) | 1.6372% | 6,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6197% | 714 |
| Loan loss allowance to noncurrent loans | 45.2320% | 5,446 |
| Noncurrent assets plus other real estate owned to assets | 6.0236% | 319 |
| Noncurrent loans to loans | 5.7917% | 370 |
| Net loans and leases to total assets | 54.9600% | 4,463 |
| Net loans and leases to deposits | 62.5404% | 4,672 |
| Net loans and leases to core deposits | 66.3522% | 4,668 |
| Total domestic deposits to total assets | 87.8791% | 2,253 |
| Equity capital to assets | 11.6407% | 2,071 |
| Core capital (leverage) ratio | 11.7884% | 1,768 |
| Tier 1 risk-based capital ratio | 18.2622% | 2,165 |
| Total risk-based capital ratio | 19.5249% | 2,119 |
| Memoranda: |
| Average total assets | $48,302,000 | 6,058 |
| Average earning assets | $39,756,400 | 6,174 |
| Average equity | $5,447,000 | 5,948 |
| Average total loans | $29,620,200 | 5,778 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4566% | 398 |
| Cost of funding earning assets | 0.4210% | 4,599 |
| Net interest margin | 5.0356% | 298 |
| Noninterest income to average assets | 0.1951% | 6,005 |
| Noninterest expense to average assets | 5.3379% | 274 |
| Loan and lease loss provision to assets | -2.1165% | 6,888 |
| Net operating income to assets | 1.1160% | 1,950 |
| Return on assets (ROA) | 1.1160% | 2,017 |
| Pretax return on assets | 1.1160% | 3,041 |
| Return on Equity (ROE) | 9.9746% | 2,194 |
| Retained earnings to average equity (ytd only) | 9.9746% | 795 |
| Net charge-offs to loans | 0.1231% | 3,310 |
| Credit loss provision to net charge-offs | -2,750.0000% | 6,305 |
| Earnings coverage of net charge-offs (x) | -13.0008% | 5,174 |
| Efficiency ratio | 123.0672% | 152 |
| Assets per employee ($millions) | 1.7143% | 6,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5156% | 915 |
| Loan loss allowance to noncurrent loans | 35.8730% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 6.5793% | 325 |
| Noncurrent loans to loans | 7.0125% | 296 |
| Net loans and leases to total assets | 54.7386% | 4,495 |
| Net loans and leases to deposits | 62.9046% | 4,642 |
| Net loans and leases to core deposits | 66.7259% | 4,648 |
| Total domestic deposits to total assets | 87.0185% | 2,684 |
| Equity capital to assets | 12.1482% | 1,827 |
| Core capital (leverage) ratio | 12.4094% | 1,464 |
| Tier 1 risk-based capital ratio | 18.2330% | 2,234 |
| Total risk-based capital ratio | 19.4933% | 2,197 |
| Memoranda: |
| Average total assets | $48,507,500 | 6,126 |
| Average earning assets | $39,901,750 | 6,238 |
| Average equity | $5,427,000 | 6,027 |
| Average total loans | $30,326,000 | 5,797 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3311% | 496 |
| Cost of funding earning assets | 0.4259% | 4,695 |
| Net interest margin | 4.9052% | 363 |
| Noninterest income to average assets | 0.2753% | 5,479 |
| Noninterest expense to average assets | 5.5427% | 255 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.2449% | 6,782 |
| Return on assets (ROA) | -1.2449% | 6,786 |
| Pretax return on assets | -1.2449% | 6,774 |
| Return on Equity (ROE) | -11.4505% | 6,762 |
| Retained earnings to average equity (ytd only) | -11.4505% | 6,698 |
| Net charge-offs to loans | 0.1526% | 2,879 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -12.6250% | 4,867 |
| Efficiency ratio | 128.9675% | 136 |
| Assets per employee ($millions) | 1.7559% | 6,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7183% | 146 |
| Loan loss allowance to noncurrent loans | 39.9890% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 10.2639% | 141 |
| Noncurrent loans to loans | 11.7989% | 92 |
| Net loans and leases to total assets | 61.8490% | 3,314 |
| Net loans and leases to deposits | 69.7927% | 3,744 |
| Net loans and leases to core deposits | 73.9950% | 3,813 |
| Total domestic deposits to total assets | 88.6182% | 1,834 |
| Equity capital to assets | 10.6942% | 3,065 |
| Core capital (leverage) ratio | 10.7556% | 2,613 |
| Tier 1 risk-based capital ratio | 15.1726% | 3,661 |
| Total risk-based capital ratio | 16.4596% | 3,606 |
| Memoranda: |
| Average total assets | $48,677,000 | 6,155 |
| Average earning assets | $39,917,000 | 6,286 |
| Average equity | $5,292,330 | 6,101 |
| Average total loans | $31,450,670 | 5,781 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7051% | 273 |
| Cost of funding earning assets | 0.4281% | 4,834 |
| Net interest margin | 5.2770% | 174 |
| Noninterest income to average assets | 0.3326% | 5,037 |
| Noninterest expense to average assets | 5.8405% | 223 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.2087% | 6,850 |
| Return on assets (ROA) | -1.2087% | 6,855 |
| Pretax return on assets | -1.2087% | 6,843 |
| Return on Equity (ROE) | -11.0299% | 6,824 |
| Retained earnings to average equity (ytd only) | -11.0299% | 6,653 |
| Net charge-offs to loans | 0.1887% | 2,280 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -9.9333% | 4,102 |
| Efficiency ratio | 126.0946% | 173 |
| Assets per employee ($millions) | 1.6171% | 6,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.7069% | 168 |
| Loan loss allowance to noncurrent loans | 37.6871% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 11.2071% | 147 |
| Noncurrent loans to loans | 12.4895% | 123 |
| Net loans and leases to total assets | 60.9267% | 3,263 |
| Net loans and leases to deposits | 68.8244% | 3,665 |
| Net loans and leases to core deposits | 73.3231% | 3,665 |
| Total domestic deposits to total assets | 88.5250% | 1,988 |
| Equity capital to assets | 10.9803% | 2,978 |
| Core capital (leverage) ratio | 10.7921% | 2,463 |
| Tier 1 risk-based capital ratio | 15.2858% | 3,663 |
| Total risk-based capital ratio | 16.5734% | 3,597 |
| Memoranda: |
| Average total assets | $49,311,000 | 6,200 |
| Average earning assets | $40,174,500 | 6,332 |
| Average equity | $5,403,500 | 6,141 |
| Average total loans | $31,789,000 | 5,802 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4183% | 3,743 |
| Cost of funding earning assets | 0.5516% | 4,800 |
| Net interest margin | 3.8667% | 2,963 |
| Noninterest income to average assets | 0.4491% | 4,250 |
| Noninterest expense to average assets | 5.7152% | 252 |
| Loan and lease loss provision to assets | 0.2108% | 3,039 |
| Net operating income to assets | -2.1861% | 6,951 |
| Return on assets (ROA) | -2.1861% | 6,956 |
| Pretax return on assets | -2.1861% | 6,951 |
| Return on Equity (ROE) | -25.2518% | 6,927 |
| Retained earnings to average equity (ytd only) | -25.2518% | 6,899 |
| Net charge-offs to loans | 1.4747% | 613 |
| Credit loss provision to net charge-offs | 23.5008% | 5,236 |
| Earnings coverage of net charge-offs (x) | -2.2026% | 5,842 |
| Efficiency ratio | 152.8177% | 88 |
| Assets per employee ($millions) | 1.5184% | 6,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.5301% | 182 |
| Loan loss allowance to noncurrent loans | 30.9549% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 12.6287% | 119 |
| Noncurrent loans to loans | 14.6345% | 80 |
| Net loans and leases to total assets | 62.0360% | 3,245 |
| Net loans and leases to deposits | 70.4252% | 3,650 |
| Net loans and leases to core deposits | 74.8802% | 3,673 |
| Total domestic deposits to total assets | 88.0877% | 2,181 |
| Equity capital to assets | 10.9364% | 3,028 |
| Core capital (leverage) ratio | 8.5525% | 5,538 |
| Tier 1 risk-based capital ratio | 15.0766% | 3,679 |
| Total risk-based capital ratio | 16.3621% | 3,607 |
| Memoranda: |
| Average total assets | $68,799,200 | 5,657 |
| Average earning assets | $58,551,800 | 5,795 |
| Average equity | $5,956,000 | 6,032 |
| Average total loans | $41,840,000 | 5,428 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3517% | 4,243 |
| Cost of funding earning assets | 0.5387% | 5,173 |
| Net interest margin | 3.8130% | 3,278 |
| Noninterest income to average assets | 0.3829% | 4,760 |
| Noninterest expense to average assets | 5.4332% | 278 |
| Loan and lease loss provision to assets | 0.2631% | 2,468 |
| Net operating income to assets | -2.0379% | 7,041 |
| Return on assets (ROA) | -2.0379% | 7,052 |
| Pretax return on assets | -2.0379% | 7,037 |
| Return on Equity (ROE) | -24.6469% | 7,034 |
| Retained earnings to average equity (ytd only) | -24.6469% | 7,023 |
| Net charge-offs to loans | 1.6515% | 503 |
| Credit loss provision to net charge-offs | 26.5082% | 4,856 |
| Earnings coverage of net charge-offs (x) | -1.7879% | 5,637 |
| Efficiency ratio | 148.5119% | 93 |
| Assets per employee ($millions) | 1.6492% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.7831% | 365 |
| Loan loss allowance to noncurrent loans | 32.3425% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 9.3479% | 279 |
| Noncurrent loans to loans | 11.6972% | 177 |
| Net loans and leases to total assets | 56.7283% | 4,341 |
| Net loans and leases to deposits | 62.3566% | 4,920 |
| Net loans and leases to core deposits | 66.6068% | 4,887 |
| Total domestic deposits to total assets | 90.9741% | 417 |
| Equity capital to assets | 8.4788% | 6,283 |
| Core capital (leverage) ratio | 8.0124% | 6,318 |
| Tier 1 risk-based capital ratio | 13.0806% | 5,186 |
| Total risk-based capital ratio | 14.3579% | 5,126 |
| Memoranda: |
| Average total assets | $73,472,000 | 5,588 |
| Average earning assets | $63,116,000 | 5,694 |
| Average equity | $6,075,000 | 6,072 |
| Average total loans | $44,160,000 | 5,385 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3802% | 4,260 |
| Cost of funding earning assets | 0.5436% | 5,343 |
| Net interest margin | 3.8366% | 3,195 |
| Noninterest income to average assets | 0.0240% | 6,936 |
| Noninterest expense to average assets | 5.4438% | 284 |
| Loan and lease loss provision to assets | 0.3873% | 1,694 |
| Net operating income to assets | -2.5082% | 7,122 |
| Return on assets (ROA) | -2.5082% | 7,125 |
| Pretax return on assets | -2.5082% | 7,114 |
| Return on Equity (ROE) | -30.5747% | 7,106 |
| Retained earnings to average equity (ytd only) | -30.5747% | 7,095 |
| Net charge-offs to loans | 2.2312% | 339 |
| Credit loss provision to net charge-offs | 28.7129% | 4,459 |
| Earnings coverage of net charge-offs (x) | -1.5723% | 5,356 |
| Efficiency ratio | 163.8264% | 76 |
| Assets per employee ($millions) | 1.6245% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.6463% | 447 |
| Loan loss allowance to noncurrent loans | 30.9900% | 6,110 |
| Noncurrent assets plus other real estate owned to assets | 9.0929% | 330 |
| Noncurrent loans to loans | 11.7662% | 179 |
| Net loans and leases to total assets | 57.3672% | 4,270 |
| Net loans and leases to deposits | 62.9207% | 4,887 |
| Net loans and leases to core deposits | 66.6868% | 4,926 |
| Total domestic deposits to total assets | 91.1739% | 395 |
| Equity capital to assets | 8.2954% | 6,384 |
| Core capital (leverage) ratio | 8.1285% | 6,124 |
| Tier 1 risk-based capital ratio | 12.6900% | 5,422 |
| Total risk-based capital ratio | 13.9654% | 5,376 |
| Memoranda: |
| Average total assets | $74,873,670 | 5,581 |
| Average earning assets | $64,380,000 | 5,695 |
| Average equity | $6,142,330 | 6,079 |
| Average total loans | $45,267,000 | 5,370 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5958% | 3,523 |
| Cost of funding earning assets | 0.5668% | 5,384 |
| Net interest margin | 4.0290% | 2,376 |
| Noninterest income to average assets | -0.2323% | 7,206 |
| Noninterest expense to average assets | 5.6547% | 242 |
| Loan and lease loss provision to assets | 0.6864% | 773 |
| Net operating income to assets | -3.1204% | 7,228 |
| Return on assets (ROA) | -3.1204% | 7,228 |
| Pretax return on assets | -3.1204% | 7,215 |
| Return on Equity (ROE) | -38.2431% | 7,194 |
| Retained earnings to average equity (ytd only) | -38.2431% | 7,176 |
| Net charge-offs to loans | 1.8293% | 522 |
| Credit loss provision to net charge-offs | 61.6114% | 3,082 |
| Earnings coverage of net charge-offs (x) | -2.1848% | 4,618 |
| Efficiency ratio | 175.5738% | 65 |
| Assets per employee ($millions) | 1.6685% | 7,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.1712% | 322 |
| Loan loss allowance to noncurrent loans | 48.6191% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 7.5476% | 536 |
| Noncurrent loans to loans | 8.5794% | 421 |
| Net loans and leases to total assets | 57.0955% | 4,200 |
| Net loans and leases to deposits | 62.5332% | 4,840 |
| Net loans and leases to core deposits | 65.9057% | 4,922 |
| Total domestic deposits to total assets | 91.3043% | 438 |
| Equity capital to assets | 8.1417% | 6,421 |
| Core capital (leverage) ratio | 8.1843% | 6,049 |
| Tier 1 risk-based capital ratio | 12.5026% | 5,597 |
| Total risk-based capital ratio | 13.7854% | 5,539 |
| Memoranda: |
| Average total assets | $75,760,000 | 5,600 |
| Average earning assets | $64,929,000 | 5,724 |
| Average equity | $6,181,500 | 6,101 |
| Average total loans | $46,139,000 | 5,372 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0326% | 2,747 |
| Cost of funding earning assets | 0.7600% | 5,134 |
| Net interest margin | 4.2726% | 1,796 |
| Noninterest income to average assets | -0.0025% | 7,000 |
| Noninterest expense to average assets | 5.5538% | 257 |
| Loan and lease loss provision to assets | 4.9437% | 22 |
| Net operating income to assets | -6.7519% | 7,331 |
| Return on assets (ROA) | -6.7519% | 7,332 |
| Pretax return on assets | -6.7519% | 7,333 |
| Return on Equity (ROE) | -85.4745% | 7,295 |
| Retained earnings to average equity (ytd only) | -85.4745% | 7,295 |
| Net charge-offs to loans | 5.2276% | 69 |
| Credit loss provision to net charge-offs | 138.4907% | 2,133 |
| Earnings coverage of net charge-offs (x) | -0.5065% | 6,085 |
| Efficiency ratio | 148.2759% | 143 |
| Assets per employee ($millions) | 1.6986% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.0952% | 357 |
| Loan loss allowance to noncurrent loans | 53.4156% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 7.3394% | 609 |
| Noncurrent loans to loans | 7.6667% | 538 |
| Net loans and leases to total assets | 59.6517% | 4,049 |
| Net loans and leases to deposits | 65.2910% | 4,837 |
| Net loans and leases to core deposits | 68.7380% | 4,942 |
| Total domestic deposits to total assets | 91.3628% | 374 |
| Equity capital to assets | 8.1767% | 6,457 |
| Core capital (leverage) ratio | 8.0034% | 6,263 |
| Tier 1 risk-based capital ratio | 12.0857% | 5,771 |
| Total risk-based capital ratio | 13.3664% | 5,729 |
| Memoranda: |
| Average total assets | $81,295,800 | 5,427 |
| Average earning assets | $71,315,200 | 5,490 |
| Average equity | $6,421,800 | 6,034 |
| Average total loans | $55,513,400 | 5,052 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0891% | 2,657 |
| Cost of funding earning assets | 0.7893% | 5,219 |
| Net interest margin | 4.2998% | 1,715 |
| Noninterest income to average assets | 0.3878% | 4,754 |
| Noninterest expense to average assets | 5.7106% | 233 |
| Loan and lease loss provision to assets | 5.9466% | 17 |
| Net operating income to assets | -7.4752% | 7,414 |
| Return on assets (ROA) | -7.4752% | 7,415 |
| Pretax return on assets | -7.4752% | 7,415 |
| Return on Equity (ROE) | -95.4074% | 7,374 |
| Retained earnings to average equity (ytd only) | -95.4074% | 7,374 |
| Net charge-offs to loans | 6.5777% | 47 |
| Credit loss provision to net charge-offs | 129.7145% | 2,450 |
| Earnings coverage of net charge-offs (x) | -0.3335% | 5,777 |
| Efficiency ratio | 136.5533% | 196 |
| Assets per employee ($millions) | 1.6604% | 7,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.2890% | 669 |
| Loan loss allowance to noncurrent loans | 49.2059% | 5,067 |
| Noncurrent assets plus other real estate owned to assets | 7.1233% | 686 |
| Noncurrent loans to loans | 6.6841% | 773 |
| Net loans and leases to total assets | 63.0369% | 3,505 |
| Net loans and leases to deposits | 68.7086% | 4,483 |
| Net loans and leases to core deposits | 72.8843% | 4,595 |
| Total domestic deposits to total assets | 91.7453% | 251 |
| Equity capital to assets | 7.6281% | 6,881 |
| Core capital (leverage) ratio | 7.5502% | 6,736 |
| Tier 1 risk-based capital ratio | 10.7776% | 6,677 |
| Total risk-based capital ratio | 12.0503% | 6,643 |
| Memoranda: |
| Average total assets | $82,510,500 | 5,421 |
| Average earning assets | $72,807,250 | 5,485 |
| Average equity | $6,464,750 | 6,066 |
| Average total loans | $57,506,000 | 5,018 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0627% | 2,867 |
| Cost of funding earning assets | 0.8140% | 5,280 |
| Net interest margin | 4.2487% | 1,852 |
| Noninterest income to average assets | 0.3333% | 5,224 |
| Noninterest expense to average assets | 5.4976% | 265 |
| Loan and lease loss provision to assets | 8.7618% | 3 |
| Net operating income to assets | -10.1356% | 7,504 |
| Return on assets (ROA) | -10.1356% | 7,504 |
| Pretax return on assets | -10.1356% | 7,503 |
| Return on Equity (ROE) | -128.3131% | 7,457 |
| Retained earnings to average equity (ytd only) | -128.3131% | 7,457 |
| Net charge-offs to loans | 9.4777% | 23 |
| Credit loss provision to net charge-offs | 130.0353% | 2,345 |
| Earnings coverage of net charge-offs (x) | -0.2039% | 5,408 |
| Efficiency ratio | 133.3141% | 235 |
| Assets per employee ($millions) | 1.6628% | 7,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 3.0312% | 868 |
| Loan loss allowance to noncurrent loans | 37.6824% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 7.3820% | 664 |
| Noncurrent loans to loans | 8.0440% | 564 |
| Net loans and leases to total assets | 69.7530% | 2,272 |
| Net loans and leases to deposits | 76.0131% | 3,468 |
| Net loans and leases to core deposits | 80.6152% | 3,705 |
| Total domestic deposits to total assets | 91.7646% | 286 |
| Equity capital to assets | 7.8196% | 6,795 |
| Core capital (leverage) ratio | 7.5312% | 6,722 |
| Tier 1 risk-based capital ratio | 10.3628% | 6,844 |
| Total risk-based capital ratio | 11.6328% | 6,829 |
| Memoranda: |
| Average total assets | $84,000,670 | 5,427 |
| Average earning assets | $74,940,000 | 5,465 |
| Average equity | $6,635,330 | 6,042 |
| Average total loans | $59,719,000 | 4,969 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0163% | 3,028 |
| Cost of funding earning assets | 0.8081% | 5,535 |
| Net interest margin | 4.2082% | 1,870 |
| Noninterest income to average assets | 0.3681% | 4,966 |
| Noninterest expense to average assets | 5.3609% | 279 |
| Loan and lease loss provision to assets | 2.0707% | 265 |
| Net operating income to assets | -3.2533% | 7,411 |
| Return on assets (ROA) | -3.2533% | 7,415 |
| Pretax return on assets | -3.2533% | 7,397 |
| Return on Equity (ROE) | -41.0004% | 7,378 |
| Retained earnings to average equity (ytd only) | -41.0004% | 7,360 |
| Net charge-offs to loans | 3.3968% | 296 |
| Credit loss provision to net charge-offs | 86.2069% | 3,012 |
| Earnings coverage of net charge-offs (x) | -0.4923% | 4,790 |
| Efficiency ratio | 128.3040% | 272 |
| Assets per employee ($millions) | 1.9210% | 7,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3000% | 5,131 |
| Loan loss allowance to noncurrent loans | 26.9191% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 4.6817% | 1,364 |
| Noncurrent loans to loans | 4.8294% | 1,408 |
| Net loans and leases to total assets | 67.1876% | 2,714 |
| Net loans and leases to deposits | 72.7987% | 3,946 |
| Net loans and leases to core deposits | 80.0666% | 3,747 |
| Total domestic deposits to total assets | 92.2923% | 215 |
| Equity capital to assets | 7.4067% | 6,920 |
| Core capital (leverage) ratio | 7.6583% | 6,592 |
| Tier 1 risk-based capital ratio | 10.8883% | 6,577 |
| Total risk-based capital ratio | 12.1383% | 6,561 |
| Memoranda: |
| Average total assets | $86,926,000 | 5,379 |
| Average earning assets | $78,703,000 | 5,398 |
| Average equity | $6,897,500 | 5,953 |
| Average total loans | $61,470,500 | 4,933 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1163% | 680 |
| Cost of funding earning assets | 0.9523% | 5,922 |
| Net interest margin | 5.1640% | 309 |
| Noninterest income to average assets | 0.2563% | 5,969 |
| Noninterest expense to average assets | 5.5012% | 302 |
| Loan and lease loss provision to assets | 0.1232% | 5,930 |
| Net operating income to assets | -0.7024% | 6,517 |
| Return on assets (ROA) | -0.7024% | 6,554 |
| Pretax return on assets | -0.7037% | 6,460 |
| Return on Equity (ROE) | -7.5028% | 6,585 |
| Retained earnings to average equity (ytd only) | -7.5028% | 6,493 |
| Net charge-offs to loans | 0.7338% | 2,820 |
| Credit loss provision to net charge-offs | 21.2766% | 6,550 |
| Earnings coverage of net charge-offs (x) | -1.0021% | 6,605 |
| Efficiency ratio | 111.7956% | 509 |
| Assets per employee ($millions) | 1.8189% | 7,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3601% | 4,692 |
| Loan loss allowance to noncurrent loans | 41.4764% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 3.0695% | 2,300 |
| Noncurrent loans to loans | 3.2793% | 2,313 |
| Net loans and leases to total assets | 72.4493% | 1,996 |
| Net loans and leases to deposits | 79.4077% | 3,274 |
| Net loans and leases to core deposits | 89.3116% | 2,854 |
| Total domestic deposits to total assets | 91.2372% | 489 |
| Equity capital to assets | 8.4809% | 5,881 |
| Core capital (leverage) ratio | 8.7365% | 4,961 |
| Tier 1 risk-based capital ratio | 12.0820% | 5,401 |
| Total risk-based capital ratio | 13.3347% | 5,380 |
| Memoranda: |
| Average total assets | $81,145,200 | 5,566 |
| Average earning assets | $73,295,800 | 5,561 |
| Average equity | $7,597,200 | 5,845 |
| Average total loans | $64,054,000 | 4,907 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2109% | 606 |
| Cost of funding earning assets | 0.9847% | 6,011 |
| Net interest margin | 5.2263% | 272 |
| Noninterest income to average assets | 0.4114% | 4,867 |
| Noninterest expense to average assets | 5.9804% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.8560% | 6,819 |
| Return on assets (ROA) | -0.8560% | 6,860 |
| Pretax return on assets | -0.8577% | 6,777 |
| Return on Equity (ROE) | -8.9188% | 6,878 |
| Retained earnings to average equity (ytd only) | -8.9188% | 6,822 |
| Net charge-offs to loans | 0.6587% | 2,787 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -1.6195% | 6,516 |
| Efficiency ratio | 116.7425% | 426 |
| Assets per employee ($millions) | 1.6923% | 7,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4485% | 4,214 |
| Loan loss allowance to noncurrent loans | 25.1807% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 5.1649% | 1,224 |
| Noncurrent loans to loans | 5.7523% | 1,126 |
| Net loans and leases to total assets | 74.3358% | 1,730 |
| Net loans and leases to deposits | 81.9383% | 3,120 |
| Net loans and leases to core deposits | 94.4098% | 2,470 |
| Total domestic deposits to total assets | 90.7217% | 540 |
| Equity capital to assets | 8.8948% | 5,707 |
| Core capital (leverage) ratio | 8.9855% | 4,720 |
| Tier 1 risk-based capital ratio | 12.0913% | 5,371 |
| Total risk-based capital ratio | 13.3435% | 5,339 |
| Memoranda: |
| Average total assets | $80,060,000 | 5,661 |
| Average earning assets | $72,172,250 | 5,664 |
| Average equity | $7,684,000 | 5,882 |
| Average total loans | $64,370,500 | 4,966 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.3914% | 422 |
| Cost of funding earning assets | 1.0180% | 6,060 |
| Net interest margin | 5.3734% | 211 |
| Noninterest income to average assets | 0.4500% | 4,517 |
| Noninterest expense to average assets | 5.7063% | 244 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.4096% | 6,576 |
| Return on assets (ROA) | -0.4096% | 6,616 |
| Pretax return on assets | -0.4121% | 6,523 |
| Return on Equity (ROE) | -4.1610% | 6,632 |
| Retained earnings to average equity (ytd only) | -4.1610% | 6,460 |
| Net charge-offs to loans | 0.7633% | 2,331 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -0.6573% | 6,062 |
| Efficiency ratio | 107.7841% | 594 |
| Assets per employee ($millions) | 1.6384% | 7,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4793% | 4,020 |
| Loan loss allowance to noncurrent loans | 52.6713% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 3.0371% | 2,341 |
| Noncurrent loans to loans | 2.8086% | 2,848 |
| Net loans and leases to total assets | 79.3435% | 897 |
| Net loans and leases to deposits | 87.9030% | 2,187 |
| Net loans and leases to core deposits | 102.0761% | 1,821 |
| Total domestic deposits to total assets | 90.2626% | 788 |
| Equity capital to assets | 9.4091% | 4,852 |
| Core capital (leverage) ratio | 9.5547% | 3,737 |
| Tier 1 risk-based capital ratio | 12.1593% | 5,165 |
| Total risk-based capital ratio | 13.4132% | 5,142 |
| Memoranda: |
| Average total assets | $79,105,000 | 5,726 |
| Average earning assets | $71,314,330 | 5,729 |
| Average equity | $7,786,670 | 5,870 |
| Average total loans | $64,977,670 | 4,979 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2635% | 566 |
| Cost of funding earning assets | 1.0382% | 6,179 |
| Net interest margin | 5.2253% | 274 |
| Noninterest income to average assets | 0.5406% | 3,721 |
| Noninterest expense to average assets | 5.6218% | 259 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.3604% | 6,727 |
| Return on assets (ROA) | -0.3604% | 6,772 |
| Pretax return on assets | -0.3655% | 6,696 |
| Return on Equity (ROE) | -3.5778% | 6,786 |
| Retained earnings to average equity (ytd only) | -3.5778% | 6,442 |
| Net charge-offs to loans | 1.2779% | 1,335 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -0.3447% | 5,226 |
| Efficiency ratio | 106.9540% | 660 |
| Assets per employee ($millions) | 1.5423% | 7,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5839% | 3,520 |
| Loan loss allowance to noncurrent loans | 42.6298% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 3.8433% | 1,803 |
| Noncurrent loans to loans | 3.7154% | 2,142 |
| Net loans and leases to total assets | 80.4188% | 779 |
| Net loans and leases to deposits | 89.5659% | 1,976 |
| Net loans and leases to core deposits | 103.0380% | 1,820 |
| Total domestic deposits to total assets | 89.7873% | 1,091 |
| Equity capital to assets | 9.9038% | 3,984 |
| Core capital (leverage) ratio | 10.1249% | 3,010 |
| Tier 1 risk-based capital ratio | 12.7001% | 4,561 |
| Total risk-based capital ratio | 13.9551% | 4,519 |
| Memoranda: |
| Average total assets | $77,697,000 | 5,830 |
| Average earning assets | $70,121,000 | 5,844 |
| Average equity | $7,826,000 | 5,902 |
| Average total loans | $64,479,000 | 5,064 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4064% | 816 |
| Cost of funding earning assets | 1.1872% | 6,700 |
| Net interest margin | 5.2192% | 280 |
| Noninterest income to average assets | 0.1177% | 7,166 |
| Noninterest expense to average assets | 5.9456% | 316 |
| Loan and lease loss provision to assets | 1.4704% | 1,569 |
| Net operating income to assets | -2.5838% | 7,290 |
| Return on assets (ROA) | -2.5838% | 7,288 |
| Pretax return on assets | -2.5838% | 7,165 |
| Return on Equity (ROE) | -21.9085% | 7,206 |
| Retained earnings to average equity (ytd only) | -21.9085% | 7,177 |
| Net charge-offs to loans | 1.0164% | 2,377 |
| Credit loss provision to net charge-offs | 170.2222% | 2,508 |
| Earnings coverage of net charge-offs (x) | -1.2889% | 6,927 |
| Efficiency ratio | 123.0403% | 559 |
| Assets per employee ($millions) | 1.5046% | 7,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.8922% | 2,279 |
| Loan loss allowance to noncurrent loans | 42.3090% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 4.1075% | 1,603 |
| Noncurrent loans to loans | 4.4724% | 1,591 |
| Net loans and leases to total assets | 82.6993% | 574 |
| Net loans and leases to deposits | 92.4468% | 1,827 |
| Net loans and leases to core deposits | 118.5633% | 2,072 |
| Total domestic deposits to total assets | 89.4562% | 1,237 |
| Equity capital to assets | 10.2454% | 3,465 |
| Core capital (leverage) ratio | 9.6003% | 3,595 |
| Tier 1 risk-based capital ratio | 12.8820% | 4,221 |
| Total risk-based capital ratio | 14.1406% | 4,167 |
| Memoranda: |
| Average total assets | $78,141,400 | 5,779 |
| Average earning assets | $70,585,800 | 5,793 |
| Average equity | $9,215,600 | 5,544 |
| Average total loans | $66,413,200 | 5,004 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.4364% | 863 |
| Cost of funding earning assets | 1.1718% | 6,966 |
| Net interest margin | 5.2646% | 275 |
| Noninterest income to average assets | 0.2633% | 6,347 |
| Noninterest expense to average assets | 5.9028% | 313 |
| Loan and lease loss provision to assets | 0.5266% | 3,280 |
| Net operating income to assets | -1.4116% | 7,069 |
| Return on assets (ROA) | -1.4116% | 7,062 |
| Pretax return on assets | -1.4116% | 6,921 |
| Return on Equity (ROE) | -11.5969% | 6,996 |
| Retained earnings to average equity (ytd only) | -11.5969% | 6,923 |
| Net charge-offs to loans | 0.5705% | 2,971 |
| Credit loss provision to net charge-offs | 108.3916% | 4,691 |
| Earnings coverage of net charge-offs (x) | -1.8217% | 6,727 |
| Efficiency ratio | 117.6371% | 633 |
| Assets per employee ($millions) | 1.6301% | 7,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1429% | 5,457 |
| Loan loss allowance to noncurrent loans | 28.8591% | 6,546 |
| Noncurrent assets plus other real estate owned to assets | 3.6987% | 1,760 |
| Noncurrent loans to loans | 3.9601% | 1,856 |
| Net loans and leases to total assets | 80.5309% | 1,078 |
| Net loans and leases to deposits | 90.8229% | 2,427 |
| Net loans and leases to core deposits | 129.9010% | 1,441 |
| Total domestic deposits to total assets | 88.6681% | 1,354 |
| Equity capital to assets | 10.8856% | 3,133 |
| Core capital (leverage) ratio | 10.9115% | 2,472 |
| Tier 1 risk-based capital ratio | 13.8551% | 3,626 |
| Total risk-based capital ratio | 15.0400% | 3,617 |
| Memoranda: |
| Average total assets | $78,492,500 | 5,813 |
| Average earning assets | $70,886,750 | 5,819 |
| Average equity | $9,554,000 | 5,472 |
| Average total loans | $66,845,250 | 5,024 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.5558% | 721 |
| Cost of funding earning assets | 1.1297% | 7,299 |
| Net interest margin | 5.4261% | 199 |
| Noninterest income to average assets | 0.4029% | 5,258 |
| Noninterest expense to average assets | 5.8770% | 333 |
| Loan and lease loss provision to assets | 0.3899% | 3,577 |
| Net operating income to assets | -0.9825% | 6,968 |
| Return on assets (ROA) | -0.9825% | 6,968 |
| Pretax return on assets | -0.9825% | 6,804 |
| Return on Equity (ROE) | -7.7762% | 6,876 |
| Retained earnings to average equity (ytd only) | -7.7762% | 6,644 |
| Net charge-offs to loans | 0.2765% | 3,814 |
| Credit loss provision to net charge-offs | 163.0435% | 2,817 |
| Earnings coverage of net charge-offs (x) | -2.4783% | 6,380 |
| Efficiency ratio | 111.2150% | 818 |
| Assets per employee ($millions) | 1.5495% | 8,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1821% | 5,063 |
| Loan loss allowance to noncurrent loans | 70.0173% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 3,181 |
| Noncurrent loans to loans | 1.6883% | 3,974 |
| Net loans and leases to total assets | 82.2468% | 915 |
| Net loans and leases to deposits | 93.2557% | 2,221 |
| Net loans and leases to core deposits | 130.8068% | 1,497 |
| Total domestic deposits to total assets | 88.1950% | 1,673 |
| Equity capital to assets | 11.5773% | 2,487 |
| Core capital (leverage) ratio | 12.3892% | 1,657 |
| Tier 1 risk-based capital ratio | 14.5691% | 3,211 |
| Total risk-based capital ratio | 15.8079% | 3,153 |
| Memoranda: |
| Average total assets | $76,944,330 | 5,895 |
| Average earning assets | $69,221,330 | 5,913 |
| Average equity | $9,722,000 | 5,450 |
| Average total loans | $66,552,000 | 5,087 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.7874% | 492 |
| Cost of funding earning assets | 1.1543% | 7,405 |
| Net interest margin | 5.6331% | 152 |
| Noninterest income to average assets | 0.4842% | 4,466 |
| Noninterest expense to average assets | 5.8908% | 303 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.3658% | 6,748 |
| Return on assets (ROA) | -0.3658% | 6,826 |
| Pretax return on assets | -0.3658% | 6,721 |
| Return on Equity (ROE) | -2.7673% | 6,750 |
| Retained earnings to average equity (ytd only) | -2.7673% | 6,235 |
| Net charge-offs to loans | 0.2681% | 3,057 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.5455% | 5,431 |
| Efficiency ratio | 106.6212% | 912 |
| Assets per employee ($millions) | 1.4027% | 8,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0692% | 5,693 |
| Loan loss allowance to noncurrent loans | 77.8390% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.8106% | 3,202 |
| Noncurrent loans to loans | 1.3736% | 4,258 |
| Net loans and leases to total assets | 87.8708% | 274 |
| Net loans and leases to deposits | 106.3424% | 836 |
| Net loans and leases to core deposits | 127.6782% | 1,808 |
| Total domestic deposits to total assets | 82.6300% | 4,322 |
| Equity capital to assets | 13.1852% | 1,667 |
| Core capital (leverage) ratio | 13.2944% | 1,386 |
| Tier 1 risk-based capital ratio | 15.6705% | 2,794 |
| Total risk-based capital ratio | 16.7979% | 2,769 |
| Memoranda: |
| Average total assets | $74,353,500 | 5,991 |
| Average earning assets | $66,535,000 | 6,021 |
| Average equity | $9,829,000 | 5,443 |
| Average total loans | $65,651,000 | 5,145 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.2845% | 613 |
| Cost of funding earning assets | 1.6183% | 7,409 |
| Net interest margin | 5.6663% | 158 |
| Noninterest income to average assets | -0.4047% | 8,260 |
| Noninterest expense to average assets | 5.9374% | 411 |
| Loan and lease loss provision to assets | 0.8134% | 1,830 |
| Net operating income to assets | -2.2171% | 7,649 |
| Return on assets (ROA) | -2.2171% | 7,609 |
| Pretax return on assets | -2.2171% | 7,512 |
| Return on Equity (ROE) | -15.1674% | 7,597 |
| Retained earnings to average equity (ytd only) | -15.1674% | 7,472 |
| Net charge-offs to loans | 0.4326% | 2,660 |
| Credit loss provision to net charge-offs | 217.6259% | 2,204 |
| Earnings coverage of net charge-offs (x) | -3.7554% | 6,799 |
| Efficiency ratio | 130.9609% | 457 |
| Assets per employee ($millions) | 1.4031% | 8,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1490% | 4,928 |
| Loan loss allowance to noncurrent loans | 52.8541% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 2.4958% | 1,946 |
| Noncurrent loans to loans | 2.1740% | 2,540 |
| Net loans and leases to total assets | 86.7628% | 500 |
| Net loans and leases to deposits | 104.3421% | 1,307 |
| Net loans and leases to core deposits | 124.6248% | 2,281 |
| Total domestic deposits to total assets | 83.1522% | 3,705 |
| Equity capital to assets | 13.2534% | 1,685 |
| Core capital (leverage) ratio | 13.2724% | 1,449 |
| Tier 1 risk-based capital ratio | 15.8481% | 2,725 |
| Total risk-based capital ratio | 17.0511% | 2,685 |
| Memoranda: |
| Average total assets | $74,375,800 | 5,899 |
| Average earning assets | $64,822,400 | 5,999 |
| Average equity | $10,872,000 | 5,162 |
| Average total loans | $64,259,800 | 5,089 |
