| 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 | 4.4844% | 2,142 |
| Cost of funding earning assets | 1.1803% | 197 |
| Net interest margin | 3.3040% | 4,237 |
| Noninterest income to average assets | 3.6805% | 123 |
| Noninterest expense to average assets | 7.8285% | 92 |
| Loan and lease loss provision to assets | -0.1400% | 5,449 |
| Net operating income to assets | -0.9436% | 5,474 |
| Return on assets (ROA) | -0.9408% | 5,468 |
| Pretax return on assets | -0.9408% | 5,468 |
| Return on Equity (ROE) | -13.0604% | 5,487 |
| Retained earnings to average equity (ytd only) | -13.0604% | 5,448 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0648% | 73 |
| Assets per employee ($millions) | 2.2409% | 5,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6140% | 5,079 |
| Loan loss allowance to noncurrent loans | 36.5385% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.4503% | 930 |
| Noncurrent loans to loans | 1.6804% | 948 |
| Net loans and leases to total assets | 85.7792% | 284 |
| Net loans and leases to deposits | 146.5804% | 12 |
| Net loans and leases to core deposits | 161.7710% | 72 |
| Total domestic deposits to total assets | 58.5203% | 5,460 |
| Equity capital to assets | 6.9608% | 5,452 |
| Core capital (leverage) ratio | 7.2394% | 5,462 |
| Tier 1 risk-based capital ratio | 11.5131% | 4,779 |
| Total risk-based capital ratio | 12.4173% | 4,868 |
| Memoranda: |
| Average total assets | $142,862,330 | 3,529 |
| Average earning assets | $132,504,670 | 3,521 |
| Average equity | $10,290,670 | 4,344 |
| Average total loans | $126,822,670 | 2,953 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5258% | 1,789 |
| Cost of funding earning assets | 1.1194% | 206 |
| Net interest margin | 3.4065% | 3,864 |
| Noninterest income to average assets | 3.3047% | 142 |
| Noninterest expense to average assets | 7.9307% | 94 |
| Loan and lease loss provision to assets | -0.2805% | 5,565 |
| Net operating income to assets | -1.1867% | 5,546 |
| Return on assets (ROA) | -1.1810% | 5,543 |
| Pretax return on assets | -1.1810% | 5,543 |
| Return on Equity (ROE) | -16.1233% | 5,565 |
| Retained earnings to average equity (ytd only) | -16.1233% | 5,469 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.6997% | 58 |
| Assets per employee ($millions) | 2.0842% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6025% | 5,178 |
| Loan loss allowance to noncurrent loans | 40.0844% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 1,105 |
| Noncurrent loans to loans | 1.5032% | 1,172 |
| Net loans and leases to total assets | 88.4595% | 109 |
| Net loans and leases to deposits | 137.2094% | 23 |
| Net loans and leases to core deposits | 152.7592% | 107 |
| Total domestic deposits to total assets | 64.4704% | 5,480 |
| Equity capital to assets | 7.2209% | 5,484 |
| Core capital (leverage) ratio | 7.2373% | 5,530 |
| Tier 1 risk-based capital ratio | 11.6103% | 4,798 |
| Total risk-based capital ratio | 12.4997% | 4,897 |
| Memoranda: |
| Average total assets | $142,585,000 | 3,569 |
| Average earning assets | $132,219,000 | 3,559 |
| Average equity | $10,444,500 | 4,357 |
| Average total loans | $128,343,000 | 2,955 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.2718% | 2,423 |
| Cost of funding earning assets | 0.9933% | 223 |
| Net interest margin | 3.2785% | 4,218 |
| Noninterest income to average assets | 5.3961% | 100 |
| Noninterest expense to average assets | 9.7744% | 74 |
| Loan and lease loss provision to assets | 0.0332% | 3,600 |
| Net operating income to assets | -1.3760% | 5,623 |
| Return on assets (ROA) | -1.3760% | 5,623 |
| Pretax return on assets | -1.3760% | 5,627 |
| Return on Equity (ROE) | -17.1221% | 5,631 |
| Retained earnings to average equity (ytd only) | -17.1221% | 5,604 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9259% | 76 |
| Assets per employee ($millions) | 1.8390% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6587% | 5,142 |
| Loan loss allowance to noncurrent loans | 39.7229% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 905 |
| Noncurrent loans to loans | 1.6583% | 991 |
| Net loans and leases to total assets | 90.4157% | 66 |
| Net loans and leases to deposits | 140.0246% | 22 |
| Net loans and leases to core deposits | 157.2080% | 97 |
| Total domestic deposits to total assets | 64.5713% | 5,546 |
| Equity capital to assets | 7.4280% | 5,551 |
| Core capital (leverage) ratio | 7.4710% | 5,566 |
| Tier 1 risk-based capital ratio | 11.9433% | 4,570 |
| Total risk-based capital ratio | 12.9376% | 4,615 |
| Memoranda: |
| Average total assets | $144,622,000 | 3,547 |
| Average earning assets | $133,901,000 | 3,545 |
| Average equity | $11,622,400 | 4,203 |
| Average total loans | $125,047,800 | 2,988 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1967% | 2,631 |
| Cost of funding earning assets | 0.9545% | 249 |
| Net interest margin | 3.2422% | 4,351 |
| Noninterest income to average assets | 5.6141% | 102 |
| Noninterest expense to average assets | 9.8417% | 74 |
| Loan and lease loss provision to assets | 0.0221% | 3,703 |
| Net operating income to assets | -1.2494% | 5,688 |
| Return on assets (ROA) | -1.2494% | 5,690 |
| Pretax return on assets | -1.2494% | 5,685 |
| Return on Equity (ROE) | -15.2611% | 5,700 |
| Retained earnings to average equity (ytd only) | -15.2611% | 5,664 |
| Net charge-offs to loans | -0.0011% | 4,273 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2476% | 79 |
| Assets per employee ($millions) | 1.8859% | 5,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6413% | 5,251 |
| Loan loss allowance to noncurrent loans | 38.9302% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 1.4616% | 1,048 |
| Noncurrent loans to loans | 1.6473% | 1,116 |
| Net loans and leases to total assets | 88.1602% | 146 |
| Net loans and leases to deposits | 136.8289% | 23 |
| Net loans and leases to core deposits | 153.6250% | 104 |
| Total domestic deposits to total assets | 64.4310% | 5,613 |
| Equity capital to assets | 7.6732% | 5,599 |
| Core capital (leverage) ratio | 8.1898% | 5,424 |
| Tier 1 risk-based capital ratio | 12.6900% | 4,211 |
| Total risk-based capital ratio | 13.6693% | 4,276 |
| Memoranda: |
| Average total assets | $144,916,750 | 3,569 |
| Average earning assets | $134,101,500 | 3,575 |
| Average equity | $11,864,250 | 4,201 |
| Average total loans | $123,671,000 | 3,034 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1079% | 2,803 |
| Cost of funding earning assets | 0.9348% | 246 |
| Net interest margin | 3.1731% | 4,489 |
| Noninterest income to average assets | 5.4081% | 106 |
| Noninterest expense to average assets | 9.8661% | 75 |
| Loan and lease loss provision to assets | -0.0222% | 5,567 |
| Net operating income to assets | -1.4980% | 5,750 |
| Return on assets (ROA) | -1.4980% | 5,751 |
| Pretax return on assets | -1.4980% | 5,748 |
| Return on Equity (ROE) | -17.9154% | 5,749 |
| Retained earnings to average equity (ytd only) | -17.9154% | 5,716 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.2151% | 71 |
| Assets per employee ($millions) | 1.8123% | 5,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6445% | 5,311 |
| Loan loss allowance to noncurrent loans | 32.8247% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.7154% | 827 |
| Noncurrent loans to loans | 1.9635% | 863 |
| Net loans and leases to total assets | 86.8014% | 220 |
| Net loans and leases to deposits | 121.6611% | 83 |
| Net loans and leases to core deposits | 134.3079% | 246 |
| Total domestic deposits to total assets | 71.3468% | 5,491 |
| Equity capital to assets | 8.1804% | 5,457 |
| Core capital (leverage) ratio | 8.3474% | 5,320 |
| Tier 1 risk-based capital ratio | 13.4124% | 3,742 |
| Total risk-based capital ratio | 14.3808% | 3,833 |
| Memoranda: |
| Average total assets | $144,190,000 | 3,593 |
| Average earning assets | $133,498,330 | 3,602 |
| Average equity | $12,056,670 | 4,175 |
| Average total loans | $121,388,670 | 3,069 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.9645% | 3,159 |
| Cost of funding earning assets | 0.9229% | 250 |
| Net interest margin | 3.0416% | 4,807 |
| Noninterest income to average assets | 5.4175% | 105 |
| Noninterest expense to average assets | 10.1014% | 69 |
| Loan and lease loss provision to assets | -0.0440% | 5,707 |
| Net operating income to assets | -1.8241% | 5,814 |
| Return on assets (ROA) | -1.8241% | 5,813 |
| Pretax return on assets | -1.8241% | 5,810 |
| Return on Equity (ROE) | -21.5882% | 5,823 |
| Retained earnings to average equity (ytd only) | -21.5882% | 5,749 |
| Net charge-offs to loans | 0.0199% | 2,387 |
| Credit loss provision to net charge-offs | -266.6667% | 4,096 |
| Earnings coverage of net charge-offs (x) | -113.3333% | 2,939 |
| Efficiency ratio | 122.6894% | 72 |
| Assets per employee ($millions) | 1.7987% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6643% | 5,377 |
| Loan loss allowance to noncurrent loans | 33.2352% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6315% | 953 |
| Noncurrent loans to loans | 1.9986% | 892 |
| Net loans and leases to total assets | 81.0896% | 678 |
| Net loans and leases to deposits | 111.1173% | 201 |
| Net loans and leases to core deposits | 123.4377% | 375 |
| Total domestic deposits to total assets | 72.9766% | 5,492 |
| Equity capital to assets | 8.2166% | 5,403 |
| Core capital (leverage) ratio | 8.5094% | 5,221 |
| Tier 1 risk-based capital ratio | 14.0343% | 3,453 |
| Total risk-based capital ratio | 14.9957% | 3,540 |
| Memoranda: |
| Average total assets | $145,603,500 | 3,606 |
| Average earning assets | $134,798,000 | 3,612 |
| Average equity | $12,303,000 | 4,164 |
| Average total loans | $120,332,500 | 3,102 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1317% | 2,732 |
| Cost of funding earning assets | 1.0162% | 155 |
| Net interest margin | 3.1155% | 4,687 |
| Noninterest income to average assets | 9.9249% | 64 |
| Noninterest expense to average assets | 12.9076% | 54 |
| Loan and lease loss provision to assets | -0.0976% | 5,686 |
| Net operating income to assets | 0.0019% | 5,643 |
| Return on assets (ROA) | 0.0433% | 5,638 |
| Pretax return on assets | 0.0433% | 5,633 |
| Return on Equity (ROE) | 0.5372% | 5,625 |
| Retained earnings to average equity (ytd only) | 0.5372% | 5,115 |
| Net charge-offs to loans | -0.0061% | 4,843 |
| Credit loss provision to net charge-offs | 1,887.5000% | 236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7466% | 214 |
| Assets per employee ($millions) | 1.5647% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6670% | 5,419 |
| Loan loss allowance to noncurrent loans | 50.9091% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0961% | 1,706 |
| Noncurrent loans to loans | 1.3102% | 1,566 |
| Net loans and leases to total assets | 83.1005% | 470 |
| Net loans and leases to deposits | 116.4268% | 128 |
| Net loans and leases to core deposits | 131.0708% | 273 |
| Total domestic deposits to total assets | 71.3758% | 5,599 |
| Equity capital to assets | 8.6831% | 5,123 |
| Core capital (leverage) ratio | 8.5809% | 5,187 |
| Tier 1 risk-based capital ratio | 14.7970% | 3,049 |
| Total risk-based capital ratio | 15.7971% | 3,108 |
| Memoranda: |
| Average total assets | $154,722,400 | 3,449 |
| Average earning assets | $143,379,000 | 3,457 |
| Average equity | $12,471,200 | 4,174 |
| Average total loans | $130,998,000 | 2,902 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1361% | 2,738 |
| Cost of funding earning assets | 1.0139% | 158 |
| Net interest margin | 3.1222% | 4,714 |
| Noninterest income to average assets | 10.2707% | 61 |
| Noninterest expense to average assets | 12.9573% | 52 |
| Loan and lease loss provision to assets | -0.0722% | 5,753 |
| Net operating income to assets | 0.2802% | 5,320 |
| Return on assets (ROA) | 0.2811% | 5,404 |
| Pretax return on assets | 0.2811% | 5,479 |
| Return on Equity (ROE) | 3.5504% | 5,066 |
| Retained earnings to average equity (ytd only) | 3.5504% | 3,770 |
| Net charge-offs to loans | -0.0100% | 4,768 |
| Credit loss provision to net charge-offs | 850.0000% | 469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4199% | 249 |
| Assets per employee ($millions) | 1.6393% | 5,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6748% | 5,476 |
| Loan loss allowance to noncurrent loans | 88.7992% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 2,998 |
| Noncurrent loans to loans | 0.7600% | 2,773 |
| Net loans and leases to total assets | 83.1688% | 492 |
| Net loans and leases to deposits | 120.6627% | 106 |
| Net loans and leases to core deposits | 135.7470% | 233 |
| Total domestic deposits to total assets | 68.9267% | 5,740 |
| Equity capital to assets | 8.2737% | 5,634 |
| Core capital (leverage) ratio | 8.4701% | 5,386 |
| Tier 1 risk-based capital ratio | 14.2085% | 3,455 |
| Total risk-based capital ratio | 15.2319% | 3,490 |
| Memoranda: |
| Average total assets | $157,024,750 | 3,443 |
| Average earning assets | $145,576,250 | 3,447 |
| Average equity | $12,430,250 | 4,217 |
| Average total loans | $133,314,000 | 2,879 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1744% | 2,587 |
| Cost of funding earning assets | 0.9837% | 183 |
| Net interest margin | 3.1907% | 4,572 |
| Noninterest income to average assets | 9.5875% | 64 |
| Noninterest expense to average assets | 12.9764% | 53 |
| Loan and lease loss provision to assets | -0.1118% | 5,886 |
| Net operating income to assets | -0.3188% | 5,884 |
| Return on assets (ROA) | -0.3188% | 5,897 |
| Pretax return on assets | -0.3188% | 5,886 |
| Return on Equity (ROE) | -4.0884% | 5,917 |
| Retained earnings to average equity (ytd only) | -4.0884% | 5,700 |
| Net charge-offs to loans | -0.0149% | 4,836 |
| Credit loss provision to net charge-offs | 880.0000% | 411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4322% | 197 |
| Assets per employee ($millions) | 1.6619% | 5,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6697% | 5,574 |
| Loan loss allowance to noncurrent loans | 105.0299% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 3,444 |
| Noncurrent loans to loans | 0.6376% | 3,164 |
| Net loans and leases to total assets | 82.3867% | 585 |
| Net loans and leases to deposits | 117.9116% | 122 |
| Net loans and leases to core deposits | 131.7769% | 280 |
| Total domestic deposits to total assets | 69.8716% | 5,785 |
| Equity capital to assets | 7.7926% | 5,861 |
| Core capital (leverage) ratio | 8.0473% | 5,701 |
| Tier 1 risk-based capital ratio | 13.4970% | 3,907 |
| Total risk-based capital ratio | 14.5108% | 3,954 |
| Memoranda: |
| Average total assets | $157,454,670 | 3,456 |
| Average earning assets | $145,984,670 | 3,458 |
| Average equity | $12,278,670 | 4,271 |
| Average total loans | $134,284,330 | 2,864 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3115% | 2,089 |
| Cost of funding earning assets | 0.9743% | 198 |
| Net interest margin | 3.3372% | 4,088 |
| Noninterest income to average assets | 8.0772% | 75 |
| Noninterest expense to average assets | 12.7389% | 54 |
| Loan and lease loss provision to assets | -0.1094% | 5,990 |
| Net operating income to assets | -1.4598% | 6,057 |
| Return on assets (ROA) | -1.4598% | 6,057 |
| Pretax return on assets | -1.4598% | 6,049 |
| Return on Equity (ROE) | -18.3072% | 6,061 |
| Retained earnings to average equity (ytd only) | -18.3072% | 5,950 |
| Net charge-offs to loans | -0.0294% | 5,060 |
| Credit loss provision to net charge-offs | 430.0000% | 672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0483% | 136 |
| Assets per employee ($millions) | 1.4252% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6947% | 5,602 |
| Loan loss allowance to noncurrent loans | 103.3632% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 3,356 |
| Noncurrent loans to loans | 0.6721% | 3,159 |
| Net loans and leases to total assets | 84.0673% | 366 |
| Net loans and leases to deposits | 117.6596% | 112 |
| Net loans and leases to core deposits | 131.6097% | 248 |
| Total domestic deposits to total assets | 71.4496% | 5,804 |
| Equity capital to assets | 7.8171% | 5,881 |
| Core capital (leverage) ratio | 7.9549% | 5,792 |
| Tier 1 risk-based capital ratio | 12.9864% | 4,278 |
| Total risk-based capital ratio | 14.0134% | 4,328 |
| Memoranda: |
| Average total assets | $157,282,000 | 3,474 |
| Average earning assets | $145,749,000 | 3,481 |
| Average equity | $12,541,500 | 4,236 |
| Average total loans | $135,951,500 | 2,853 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1468% | 2,752 |
| Cost of funding earning assets | 0.9166% | 265 |
| Net interest margin | 3.2302% | 4,531 |
| Noninterest income to average assets | 7.2902% | 88 |
| Noninterest expense to average assets | 10.7469% | 72 |
| Loan and lease loss provision to assets | -0.0861% | 5,827 |
| Net operating income to assets | -0.3451% | 6,002 |
| Return on assets (ROA) | -0.3451% | 6,006 |
| Pretax return on assets | -0.3451% | 5,996 |
| Return on Equity (ROE) | -4.5010% | 6,038 |
| Retained earnings to average equity (ytd only) | -4.5010% | 5,891 |
| Net charge-offs to loans | 0.0671% | 2,899 |
| Credit loss provision to net charge-offs | -146.1538% | 5,222 |
| Earnings coverage of net charge-offs (x) | -7.3173% | 4,417 |
| Efficiency ratio | 104.1804% | 211 |
| Assets per employee ($millions) | 1.3841% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6861% | 5,655 |
| Loan loss allowance to noncurrent loans | 80.9322% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 2,812 |
| Noncurrent loans to loans | 0.8478% | 2,668 |
| Net loans and leases to total assets | 87.6039% | 140 |
| Net loans and leases to deposits | 116.9021% | 129 |
| Net loans and leases to core deposits | 129.2806% | 277 |
| Total domestic deposits to total assets | 74.9379% | 5,560 |
| Equity capital to assets | 8.1297% | 5,793 |
| Core capital (leverage) ratio | 7.8350% | 5,896 |
| Tier 1 risk-based capital ratio | 13.0104% | 4,308 |
| Total risk-based capital ratio | 14.0258% | 4,365 |
| Memoranda: |
| Average total assets | $176,470,200 | 3,213 |
| Average earning assets | $165,284,200 | 3,187 |
| Average equity | $13,530,400 | 4,044 |
| Average total loans | $154,891,800 | 2,529 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.1400% | 2,780 |
| Cost of funding earning assets | 0.9183% | 260 |
| Net interest margin | 3.2217% | 4,604 |
| Noninterest income to average assets | 7.7139% | 87 |
| Noninterest expense to average assets | 11.0365% | 74 |
| Loan and lease loss provision to assets | -0.0942% | 5,989 |
| Net operating income to assets | -0.2046% | 6,047 |
| Return on assets (ROA) | -0.2046% | 6,062 |
| Pretax return on assets | -0.2046% | 6,053 |
| Return on Equity (ROE) | -2.7044% | 6,093 |
| Retained earnings to average equity (ytd only) | -2.7044% | 5,914 |
| Net charge-offs to loans | 0.0865% | 2,307 |
| Credit loss provision to net charge-offs | -124.2718% | 5,082 |
| Earnings coverage of net charge-offs (x) | -3.9417% | 4,115 |
| Efficiency ratio | 102.7831% | 239 |
| Assets per employee ($millions) | 1.4476% | 6,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6680% | 5,795 |
| Loan loss allowance to noncurrent loans | 108.6475% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 3,662 |
| Noncurrent loans to loans | 0.6149% | 3,472 |
| Net loans and leases to total assets | 88.2974% | 122 |
| Net loans and leases to deposits | 120.6894% | 99 |
| Net loans and leases to core deposits | 135.1155% | 217 |
| Total domestic deposits to total assets | 73.1608% | 5,775 |
| Equity capital to assets | 7.9627% | 5,970 |
| Core capital (leverage) ratio | 7.7484% | 5,998 |
| Tier 1 risk-based capital ratio | 11.5186% | 5,366 |
| Total risk-based capital ratio | 12.4191% | 5,459 |
| Memoranda: |
| Average total assets | $181,139,750 | 3,176 |
| Average earning assets | $170,012,250 | 3,149 |
| Average equity | $13,706,000 | 4,067 |
| Average total loans | $158,818,000 | 2,492 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0803% | 2,970 |
| Cost of funding earning assets | 0.9221% | 258 |
| Net interest margin | 3.1583% | 4,798 |
| Noninterest income to average assets | 4.3076% | 148 |
| Noninterest expense to average assets | 6.7771% | 157 |
| Loan and lease loss provision to assets | -0.0954% | 6,079 |
| Net operating income to assets | 0.5673% | 4,489 |
| Return on assets (ROA) | 0.5673% | 4,592 |
| Pretax return on assets | 0.5973% | 4,980 |
| Return on Equity (ROE) | 7.6146% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.6146% | 1,421 |
| Net charge-offs to loans | 0.0626% | 2,483 |
| Credit loss provision to net charge-offs | -174.5098% | 5,010 |
| Earnings coverage of net charge-offs (x) | 9.1765% | 2,483 |
| Efficiency ratio | 93.1055% | 566 |
| Assets per employee ($millions) | 1.5319% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6976% | 5,821 |
| Loan loss allowance to noncurrent loans | 83.8684% | 4,103 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 3,236 |
| Noncurrent loans to loans | 0.8318% | 3,042 |
| Net loans and leases to total assets | 85.7920% | 250 |
| Net loans and leases to deposits | 120.6198% | 91 |
| Net loans and leases to core deposits | 132.9714% | 228 |
| Total domestic deposits to total assets | 71.1260% | 5,980 |
| Equity capital to assets | 7.8494% | 6,035 |
| Core capital (leverage) ratio | 7.8234% | 6,010 |
| Tier 1 risk-based capital ratio | 12.1708% | 5,020 |
| Total risk-based capital ratio | 13.1711% | 5,106 |
| Memoranda: |
| Average total assets | $186,509,330 | 3,141 |
| Average earning assets | $175,476,000 | 3,090 |
| Average equity | $13,894,330 | 4,060 |
| Average total loans | $162,858,000 | 2,453 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.0497% | 3,047 |
| Cost of funding earning assets | 0.8916% | 301 |
| Net interest margin | 3.1581% | 4,760 |
| Noninterest income to average assets | 4.6052% | 140 |
| Noninterest expense to average assets | 5.5145% | 225 |
| Loan and lease loss provision to assets | 0.0503% | 2,926 |
| Net operating income to assets | 1.8815% | 419 |
| Return on assets (ROA) | 1.8815% | 444 |
| Pretax return on assets | 2.0239% | 561 |
| Return on Equity (ROE) | 25.9023% | 96 |
| Retained earnings to average equity (ytd only) | 25.9023% | 42 |
| Net charge-offs to loans | 0.1242% | 1,518 |
| Credit loss provision to net charge-offs | 46.1538% | 2,135 |
| Earnings coverage of net charge-offs (x) | 19.0385% | 1,459 |
| Efficiency ratio | 72.6670% | 3,057 |
| Assets per employee ($millions) | 1.4030% | 6,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7141% | 5,878 |
| Loan loss allowance to noncurrent loans | 102.5130% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 3,631 |
| Noncurrent loans to loans | 0.6965% | 3,534 |
| Net loans and leases to total assets | 88.1493% | 99 |
| Net loans and leases to deposits | 127.5579% | 42 |
| Net loans and leases to core deposits | 140.9581% | 149 |
| Total domestic deposits to total assets | 69.1053% | 6,163 |
| Equity capital to assets | 7.6729% | 6,132 |
| Core capital (leverage) ratio | 7.7492% | 6,045 |
| Tier 1 risk-based capital ratio | 11.6607% | 5,459 |
| Total risk-based capital ratio | 12.6808% | 5,503 |
| Memoranda: |
| Average total assets | $190,916,000 | 3,107 |
| Average earning assets | $180,359,500 | 3,067 |
| Average equity | $13,867,500 | 4,088 |
| Average total loans | $167,527,000 | 2,400 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3647% | 2,345 |
| Cost of funding earning assets | 0.8602% | 480 |
| Net interest margin | 3.5044% | 3,771 |
| Noninterest income to average assets | 2.5115% | 238 |
| Noninterest expense to average assets | 6.3851% | 164 |
| Loan and lease loss provision to assets | -0.0869% | 6,121 |
| Net operating income to assets | -1.3245% | 6,415 |
| Return on assets (ROA) | -1.3245% | 6,415 |
| Pretax return on assets | -0.5026% | 6,290 |
| Return on Equity (ROE) | -17.9702% | 6,430 |
| Retained earnings to average equity (ytd only) | -18.2793% | 6,409 |
| Net charge-offs to loans | 0.0062% | 4,802 |
| Credit loss provision to net charge-offs | -1,558.3333% | 5,959 |
| Earnings coverage of net charge-offs (x) | -105.6667% | 4,960 |
| Efficiency ratio | 110.1717% | 218 |
| Assets per employee ($millions) | 1.5073% | 6,429 |
| Cash dividends to net income (ytd only)* | -1.7199% | 6,472 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7148% | 5,963 |
| Loan loss allowance to noncurrent loans | 114.3532% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 4,002 |
| Noncurrent loans to loans | 0.6251% | 3,814 |
| Net loans and leases to total assets | 85.8359% | 217 |
| Net loans and leases to deposits | 121.9595% | 81 |
| Net loans and leases to core deposits | 136.4856% | 190 |
| Total domestic deposits to total assets | 70.3807% | 6,178 |
| Equity capital to assets | 6.9624% | 6,333 |
| Core capital (leverage) ratio | 6.5345% | 6,360 |
| Tier 1 risk-based capital ratio | 9.8874% | 6,285 |
| Total risk-based capital ratio | 10.8316% | 6,319 |
| Memoranda: |
| Average total assets | $215,094,800 | 2,830 |
| Average earning assets | $201,572,600 | 2,792 |
| Average equity | $15,854,000 | 3,692 |
| Average total loans | $193,184,800 | 2,087 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4089% | 2,186 |
| Cost of funding earning assets | 0.8414% | 556 |
| Net interest margin | 3.5674% | 3,564 |
| Noninterest income to average assets | 2.3352% | 267 |
| Noninterest expense to average assets | 5.9698% | 184 |
| Loan and lease loss provision to assets | 0.0564% | 3,244 |
| Net operating income to assets | -0.2316% | 6,280 |
| Return on assets (ROA) | -0.2316% | 6,281 |
| Pretax return on assets | -0.3541% | 6,317 |
| Return on Equity (ROE) | -3.1043% | 6,320 |
| Retained earnings to average equity (ytd only) | -3.5025% | 6,178 |
| Net charge-offs to loans | 0.0315% | 3,858 |
| Credit loss provision to net charge-offs | 197.8723% | 1,277 |
| Earnings coverage of net charge-offs (x) | -10.4460% | 4,636 |
| Efficiency ratio | 105.2491% | 278 |
| Assets per employee ($millions) | 1.3764% | 6,516 |
| Cash dividends to net income (ytd only)* | -12.8269% | 6,561 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7743% | 5,936 |
| Loan loss allowance to noncurrent loans | 146.0381% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4797% | 4,459 |
| Noncurrent loans to loans | 0.5302% | 4,345 |
| Net loans and leases to total assets | 89.7771% | 61 |
| Net loans and leases to deposits | 125.6674% | 62 |
| Net loans and leases to core deposits | 142.7912% | 139 |
| Total domestic deposits to total assets | 71.4403% | 6,206 |
| Equity capital to assets | 7.7310% | 6,234 |
| Core capital (leverage) ratio | 6.3445% | 6,449 |
| Tier 1 risk-based capital ratio | 9.0528% | 6,475 |
| Total risk-based capital ratio | 10.0888% | 6,491 |
| Memoranda: |
| Average total assets | $219,880,250 | 2,801 |
| Average earning assets | $205,671,250 | 2,767 |
| Average equity | $16,406,750 | 3,631 |
| Average total loans | $199,128,750 | 2,057 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.4512% | 1,989 |
| Cost of funding earning assets | 0.7923% | 746 |
| Net interest margin | 3.6589% | 3,110 |
| Noninterest income to average assets | 2.5146% | 238 |
| Noninterest expense to average assets | 5.7214% | 204 |
| Loan and lease loss provision to assets | 0.0831% | 2,645 |
| Net operating income to assets | 0.0822% | 6,078 |
| Return on assets (ROA) | 0.0822% | 6,103 |
| Pretax return on assets | 0.1340% | 6,050 |
| Return on Equity (ROE) | 1.1138% | 6,039 |
| Retained earnings to average equity (ytd only) | 0.5085% | 5,536 |
| Net charge-offs to loans | 0.0444% | 3,345 |
| Credit loss provision to net charge-offs | 206.6667% | 1,136 |
| Earnings coverage of net charge-offs (x) | 5.4000% | 2,934 |
| Efficiency ratio | 96.3448% | 543 |
| Assets per employee ($millions) | 1.5472% | 6,571 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,737 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7133% | 6,151 |
| Loan loss allowance to noncurrent loans | 175.3309% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 4,936 |
| Noncurrent loans to loans | 0.4068% | 4,769 |
| Net loans and leases to total assets | 88.5716% | 80 |
| Net loans and leases to deposits | 127.1117% | 47 |
| Net loans and leases to core deposits | 149.7902% | 100 |
| Total domestic deposits to total assets | 69.6801% | 6,363 |
| Equity capital to assets | 7.2259% | 6,410 |
| Core capital (leverage) ratio | 6.4421% | 6,497 |
| Tier 1 risk-based capital ratio | 9.1282% | 6,528 |
| Total risk-based capital ratio | 10.1044% | 6,541 |
| Memoranda: |
| Average total assets | $223,894,330 | 2,780 |
| Average earning assets | $209,516,000 | 2,745 |
| Average equity | $16,519,670 | 3,612 |
| Average total loans | $202,822,670 | 2,027 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5806% | 1,555 |
| Cost of funding earning assets | 0.7286% | 1,081 |
| Net interest margin | 3.8520% | 2,265 |
| Noninterest income to average assets | 2.0510% | 325 |
| Noninterest expense to average assets | 5.3002% | 269 |
| Loan and lease loss provision to assets | 0.1681% | 1,440 |
| Net operating income to assets | 0.1120% | 6,003 |
| Return on assets (ROA) | 0.1120% | 6,036 |
| Pretax return on assets | 0.1843% | 5,942 |
| Return on Equity (ROE) | 1.5024% | 5,925 |
| Retained earnings to average equity (ytd only) | 0.2908% | 5,458 |
| Net charge-offs to loans | 0.0871% | 2,284 |
| Credit loss provision to net charge-offs | 211.3636% | 995 |
| Earnings coverage of net charge-offs (x) | 4.4318% | 2,530 |
| Efficiency ratio | 93.7660% | 765 |
| Assets per employee ($millions) | 1.4058% | 6,647 |
| Cash dividends to net income (ytd only)* | 80.6452% | 954 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7113% | 6,266 |
| Loan loss allowance to noncurrent loans | 160.9272% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 4,949 |
| Noncurrent loans to loans | 0.4420% | 4,818 |
| Net loans and leases to total assets | 89.3703% | 54 |
| Net loans and leases to deposits | 130.8256% | 36 |
| Net loans and leases to core deposits | 153.4064% | 87 |
| Total domestic deposits to total assets | 68.3125% | 6,507 |
| Equity capital to assets | 7.2508% | 6,390 |
| Core capital (leverage) ratio | 6.9226% | 6,487 |
| Tier 1 risk-based capital ratio | 9.1554% | 6,588 |
| Total risk-based capital ratio | 10.0903% | 6,600 |
| Memoranda: |
| Average total assets | $221,350,500 | 2,817 |
| Average earning assets | $206,959,000 | 2,781 |
| Average equity | $16,506,500 | 3,622 |
| Average total loans | $202,099,000 | 2,033 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8848% | 1,120 |
| Cost of funding earning assets | 0.5798% | 2,837 |
| Net interest margin | 4.3051% | 1,097 |
| Noninterest income to average assets | 7.9483% | 81 |
| Noninterest expense to average assets | 12.1402% | 61 |
| Loan and lease loss provision to assets | 0.2165% | 1,688 |
| Net operating income to assets | -0.3032% | 6,415 |
| Return on assets (ROA) | -0.3032% | 6,434 |
| Pretax return on assets | -0.4058% | 6,457 |
| Return on Equity (ROE) | -3.4831% | 6,444 |
| Retained earnings to average equity (ytd only) | -4.9571% | 6,367 |
| Net charge-offs to loans | 0.0230% | 4,969 |
| Credit loss provision to net charge-offs | 1,040.4762% | 247 |
| Earnings coverage of net charge-offs (x) | -9.0952% | 5,419 |
| Efficiency ratio | 101.5836% | 434 |
| Assets per employee ($millions) | 1.1876% | 6,744 |
| Cash dividends to net income (ytd only)* | -42.3203% | 6,788 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7073% | 6,337 |
| Loan loss allowance to noncurrent loans | 173.7361% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 5,115 |
| Noncurrent loans to loans | 0.4071% | 4,991 |
| Net loans and leases to total assets | 92.0162% | 16 |
| Net loans and leases to deposits | 129.7264% | 38 |
| Net loans and leases to core deposits | 152.7429% | 89 |
| Total domestic deposits to total assets | 70.9310% | 6,483 |
| Equity capital to assets | 7.6758% | 6,196 |
| Core capital (leverage) ratio | 7.0366% | 6,520 |
| Tier 1 risk-based capital ratio | 9.3986% | 6,615 |
| Total risk-based capital ratio | 10.3421% | 6,638 |
| Memoranda: |
| Average total assets | $201,841,800 | 3,015 |
| Average earning assets | $187,663,000 | 2,988 |
| Average equity | $17,570,600 | 3,487 |
| Average total loans | $182,307,200 | 2,172 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7813% | 1,391 |
| Cost of funding earning assets | 0.5840% | 2,959 |
| Net interest margin | 4.1973% | 1,342 |
| Noninterest income to average assets | 9.1160% | 75 |
| Noninterest expense to average assets | 12.6292% | 60 |
| Loan and lease loss provision to assets | 0.2162% | 1,682 |
| Net operating income to assets | 0.0980% | 6,143 |
| Return on assets (ROA) | 0.0980% | 6,201 |
| Pretax return on assets | 0.1699% | 6,092 |
| Return on Equity (ROE) | 1.0913% | 6,161 |
| Retained earnings to average equity (ytd only) | -0.4634% | 6,035 |
| Net charge-offs to loans | -0.0217% | 6,061 |
| Credit loss provision to net charge-offs | -1,110.3448% | 6,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0335% | 573 |
| Assets per employee ($millions) | 1.0012% | 6,835 |
| Cash dividends to net income (ytd only)* | 142.4689% | 147 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7248% | 6,411 |
| Loan loss allowance to noncurrent loans | 149.5071% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 5,074 |
| Noncurrent loans to loans | 0.4848% | 4,986 |
| Net loans and leases to total assets | 92.4479% | 14 |
| Net loans and leases to deposits | 116.1582% | 96 |
| Net loans and leases to core deposits | 134.4344% | 147 |
| Total domestic deposits to total assets | 79.5879% | 5,612 |
| Equity capital to assets | 8.5291% | 5,708 |
| Core capital (leverage) ratio | 8.3585% | 5,904 |
| Tier 1 risk-based capital ratio | 11.0990% | 6,236 |
| Total risk-based capital ratio | 12.0799% | 6,318 |
| Memoranda: |
| Average total assets | $198,562,000 | 3,076 |
| Average earning assets | $184,464,000 | 3,045 |
| Average equity | $17,838,250 | 3,485 |
| Average total loans | $178,082,000 | 2,220 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.5155% | 2,140 |
| Cost of funding earning assets | 0.6021% | 2,916 |
| Net interest margin | 3.9134% | 2,177 |
| Noninterest income to average assets | 10.2791% | 69 |
| Noninterest expense to average assets | 12.9355% | 59 |
| Loan and lease loss provision to assets | 0.1115% | 2,947 |
| Net operating income to assets | 0.5209% | 4,714 |
| Return on assets (ROA) | 0.5209% | 4,880 |
| Pretax return on assets | 0.8615% | 4,061 |
| Return on Equity (ROE) | 5.7002% | 4,350 |
| Retained earnings to average equity (ytd only) | 3.9813% | 3,758 |
| Net charge-offs to loans | -0.0321% | 6,118 |
| Credit loss provision to net charge-offs | -392.8571% | 5,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0044% | 817 |
| Assets per employee ($millions) | 0.8797% | 6,884 |
| Cash dividends to net income (ytd only)* | 30.1556% | 2,667 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6455% | 6,562 |
| Loan loss allowance to noncurrent loans | 123.0769% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 5,073 |
| Noncurrent loans to loans | 0.5245% | 4,951 |
| Net loans and leases to total assets | 90.7885% | 31 |
| Net loans and leases to deposits | 107.3019% | 194 |
| Net loans and leases to core deposits | 123.7930% | 259 |
| Total domestic deposits to total assets | 84.6103% | 4,080 |
| Equity capital to assets | 9.1761% | 5,022 |
| Core capital (leverage) ratio | 9.2552% | 4,617 |
| Tier 1 risk-based capital ratio | 12.8217% | 5,278 |
| Total risk-based capital ratio | 13.7416% | 5,449 |
| Memoranda: |
| Average total assets | $197,333,330 | 3,097 |
| Average earning assets | $183,012,670 | 3,076 |
| Average equity | $18,034,330 | 3,476 |
| Average total loans | $174,663,000 | 2,258 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.3211% | 2,804 |
| Cost of funding earning assets | 0.6383% | 2,757 |
| Net interest margin | 3.6828% | 2,933 |
| Noninterest income to average assets | 9.5931% | 73 |
| Noninterest expense to average assets | 12.7411% | 63 |
| Loan and lease loss provision to assets | 0.1613% | 2,257 |
| Net operating income to assets | 0.0766% | 6,195 |
| Return on assets (ROA) | 0.0766% | 6,284 |
| Pretax return on assets | 0.1230% | 6,218 |
| Return on Equity (ROE) | 0.8402% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,764 |
| Net charge-offs to loans | -0.0648% | 6,243 |
| Credit loss provision to net charge-offs | -285.7143% | 5,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8170% | 641 |
| Assets per employee ($millions) | 0.8292% | 6,965 |
| Cash dividends to net income (ytd only)* | 100.0000% | 650 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7242% | 6,556 |
| Loan loss allowance to noncurrent loans | 87.0442% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 4,665 |
| Noncurrent loans to loans | 0.8320% | 4,457 |
| Net loans and leases to total assets | 81.7123% | 294 |
| Net loans and leases to deposits | 93.5921% | 695 |
| Net loans and leases to core deposits | 108.7779% | 538 |
| Total domestic deposits to total assets | 87.3069% | 2,752 |
| Equity capital to assets | 9.4679% | 4,893 |
| Core capital (leverage) ratio | 8.9454% | 4,978 |
| Tier 1 risk-based capital ratio | 13.7198% | 4,707 |
| Total risk-based capital ratio | 14.6753% | 4,878 |
| Memoranda: |
| Average total assets | $198,350,000 | 3,114 |
| Average earning assets | $184,861,500 | 3,083 |
| Average equity | $18,091,000 | 3,512 |
| Average total loans | $172,763,500 | 2,294 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.7587% | 2,365 |
| Cost of funding earning assets | 0.8765% | 2,087 |
| Net interest margin | 3.8822% | 2,908 |
| Noninterest income to average assets | 13.4276% | 59 |
| Noninterest expense to average assets | 14.7527% | 54 |
| Loan and lease loss provision to assets | 0.3154% | 2,170 |
| Net operating income to assets | 2.0535% | 326 |
| Return on assets (ROA) | 2.0264% | 373 |
| Pretax return on assets | 1.9305% | 699 |
| Return on Equity (ROE) | 23.5950% | 161 |
| Retained earnings to average equity (ytd only) | 22.2003% | 46 |
| Net charge-offs to loans | 0.2111% | 3,701 |
| Credit loss provision to net charge-offs | 167.2414% | 1,588 |
| Earnings coverage of net charge-offs (x) | 12.0517% | 1,968 |
| Efficiency ratio | 86.6497% | 1,360 |
| Assets per employee ($millions) | 0.9306% | 7,024 |
| Cash dividends to net income (ytd only)* | 5.9107% | 4,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5320% | 6,817 |
| Loan loss allowance to noncurrent loans | 85.4975% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 5,065 |
| Noncurrent loans to loans | 0.6223% | 4,961 |
| Net loans and leases to total assets | 90.9409% | 29 |
| Net loans and leases to deposits | 122.3422% | 64 |
| Net loans and leases to core deposits | 141.1262% | 128 |
| Total domestic deposits to total assets | 74.3332% | 6,497 |
| Equity capital to assets | 8.8073% | 5,739 |
| Core capital (leverage) ratio | 9.3153% | 4,388 |
| Tier 1 risk-based capital ratio | 13.3181% | 4,886 |
| Total risk-based capital ratio | 14.1598% | 5,115 |
| Memoranda: |
| Average total assets | $184,515,600 | 3,249 |
| Average earning assets | $171,012,000 | 3,215 |
| Average equity | $15,846,600 | 3,797 |
| Average total loans | $164,840,800 | 2,364 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8775% | 2,096 |
| Cost of funding earning assets | 0.9456% | 1,874 |
| Net interest margin | 3.9319% | 2,795 |
| Noninterest income to average assets | 12.8955% | 60 |
| Noninterest expense to average assets | 14.1778% | 55 |
| Loan and lease loss provision to assets | 0.3600% | 1,804 |
| Net operating income to assets | 1.7676% | 612 |
| Return on assets (ROA) | 1.7543% | 693 |
| Pretax return on assets | 1.9791% | 731 |
| Return on Equity (ROE) | 20.5800% | 303 |
| Retained earnings to average equity (ytd only) | 19.5900% | 90 |
| Net charge-offs to loans | 0.1667% | 3,786 |
| Credit loss provision to net charge-offs | 243.4343% | 1,137 |
| Earnings coverage of net charge-offs (x) | 15.9194% | 1,723 |
| Efficiency ratio | 85.7608% | 1,401 |
| Assets per employee ($millions) | 0.8478% | 7,125 |
| Cash dividends to net income (ytd only)* | 4.8105% | 3,610 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6643% | 6,785 |
| Loan loss allowance to noncurrent loans | 85.2564% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 4,753 |
| Noncurrent loans to loans | 0.7792% | 4,852 |
| Net loans and leases to total assets | 86.4747% | 131 |
| Net loans and leases to deposits | 101.6594% | 369 |
| Net loans and leases to core deposits | 122.0518% | 276 |
| Total domestic deposits to total assets | 85.0631% | 3,715 |
| Equity capital to assets | 9.2531% | 5,527 |
| Core capital (leverage) ratio | 9.1232% | 4,874 |
| Tier 1 risk-based capital ratio | 13.7649% | 4,713 |
| Total risk-based capital ratio | 14.7349% | 4,844 |
| Memoranda: |
| Average total assets | $178,528,500 | 3,374 |
| Average earning assets | $165,107,250 | 3,337 |
| Average equity | $15,218,250 | 3,950 |
| Average total loans | $158,402,750 | 2,470 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.8649% | 2,250 |
| Cost of funding earning assets | 0.9572% | 2,016 |
| Net interest margin | 3.9077% | 2,872 |
| Noninterest income to average assets | 12.2867% | 64 |
| Noninterest expense to average assets | 13.5498% | 60 |
| Loan and lease loss provision to assets | 0.3192% | 2,072 |
| Net operating income to assets | 1.8355% | 531 |
| Return on assets (ROA) | 1.8154% | 615 |
| Pretax return on assets | 2.0316% | 656 |
| Return on Equity (ROE) | 21.9481% | 251 |
| Retained earnings to average equity (ytd only) | 20.9218% | 88 |
| Net charge-offs to loans | 0.0748% | 4,396 |
| Credit loss provision to net charge-offs | 477.9661% | 632 |
| Earnings coverage of net charge-offs (x) | 35.5424% | 966 |
| Efficiency ratio | 85.0949% | 1,525 |
| Assets per employee ($millions) | 0.9289% | 7,184 |
| Cash dividends to net income (ytd only)* | 4.6758% | 3,437 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6191% | 6,911 |
| Loan loss allowance to noncurrent loans | 72.0546% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8431% | 4,703 |
| Noncurrent loans to loans | 0.8592% | 4,789 |
| Net loans and leases to total assets | 85.8078% | 149 |
| Net loans and leases to deposits | 102.1159% | 338 |
| Net loans and leases to core deposits | 120.7065% | 299 |
| Total domestic deposits to total assets | 84.0298% | 4,307 |
| Equity capital to assets | 8.2902% | 6,387 |
| Core capital (leverage) ratio | 8.6512% | 5,450 |
| Tier 1 risk-based capital ratio | 12.6441% | 5,459 |
| Total risk-based capital ratio | 13.5556% | 5,697 |
| Memoranda: |
| Average total assets | $176,711,000 | 3,413 |
| Average earning assets | $164,444,330 | 3,356 |
| Average equity | $14,616,330 | 4,071 |
| Average total loans | $157,816,670 | 2,492 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.9437% | 2,078 |
| Cost of funding earning assets | 1.0123% | 1,906 |
| Net interest margin | 3.9314% | 2,800 |
| Noninterest income to average assets | 11.3191% | 69 |
| Noninterest expense to average assets | 12.4869% | 60 |
| Loan and lease loss provision to assets | 0.6003% | 957 |
| Net operating income to assets | 1.6701% | 760 |
| Return on assets (ROA) | 1.6701% | 844 |
| Pretax return on assets | 1.8966% | 885 |
| Return on Equity (ROE) | 20.2163% | 376 |
| Retained earnings to average equity (ytd only) | 19.1419% | 213 |
| Net charge-offs to loans | 0.0668% | 3,820 |
| Credit loss provision to net charge-offs | 988.4615% | 356 |
| Earnings coverage of net charge-offs (x) | 41.1154% | 733 |
| Efficiency ratio | 83.3359% | 1,752 |
| Assets per employee ($millions) | 0.9287% | 7,249 |
| Cash dividends to net income (ytd only)* | 5.3147% | 2,645 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6316% | 6,952 |
| Loan loss allowance to noncurrent loans | 64.3130% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 4,628 |
| Noncurrent loans to loans | 0.9820% | 4,706 |
| Net loans and leases to total assets | 92.0826% | 23 |
| Net loans and leases to deposits | 111.3975% | 119 |
| Net loans and leases to core deposits | 128.1634% | 215 |
| Total domestic deposits to total assets | 82.6613% | 5,058 |
| Equity capital to assets | 8.4841% | 6,096 |
| Core capital (leverage) ratio | 8.5795% | 5,467 |
| Tier 1 risk-based capital ratio | 12.5664% | 5,550 |
| Total risk-based capital ratio | 13.5268% | 5,740 |
| Memoranda: |
| Average total assets | $171,251,000 | 3,499 |
| Average earning assets | $159,638,500 | 3,443 |
| Average equity | $14,147,000 | 4,174 |
| Average total loans | $155,722,500 | 2,544 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2090% | 2,021 |
| Cost of funding earning assets | 1.3088% | 1,442 |
| Net interest margin | 3.9002% | 3,339 |
| Noninterest income to average assets | 8.0750% | 77 |
| Noninterest expense to average assets | 10.5637% | 71 |
| Loan and lease loss provision to assets | 0.1635% | 4,583 |
| Net operating income to assets | 1.6021% | 658 |
| Return on assets (ROA) | 1.4886% | 923 |
| Pretax return on assets | 0.8260% | 3,886 |
| Return on Equity (ROE) | 18.1949% | 366 |
| Retained earnings to average equity (ytd only) | 18.1949% | 70 |
| Net charge-offs to loans | 0.1153% | 5,222 |
| Credit loss provision to net charge-offs | 161.1940% | 1,712 |
| Earnings coverage of net charge-offs (x) | 10.8731% | 1,782 |
| Efficiency ratio | 90.5445% | 1,145 |
| Assets per employee ($millions) | 1.2391% | 7,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5153% | 7,094 |
| Loan loss allowance to noncurrent loans | 48.4773% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 1.0197% | 4,580 |
| Noncurrent loans to loans | 1.0630% | 4,582 |
| Net loans and leases to total assets | 88.7067% | 67 |
| Net loans and leases to deposits | 124.7083% | 70 |
| Net loans and leases to core deposits | 140.0716% | 171 |
| Total domestic deposits to total assets | 71.1313% | 6,921 |
| Equity capital to assets | 8.0339% | 6,550 |
| Core capital (leverage) ratio | 9.0312% | 4,725 |
| Tier 1 risk-based capital ratio | 12.1134% | 5,752 |
| Total risk-based capital ratio | 12.8680% | 6,063 |
| Memoranda: |
| Average total assets | $132,074,800 | 4,128 |
| Average earning assets | $121,635,000 | 4,102 |
| Average equity | $10,805,200 | 4,826 |
| Average total loans | $116,169,800 | 3,250 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4142% | 1,471 |
| Cost of funding earning assets | 1.3843% | 1,300 |
| Net interest margin | 4.0299% | 2,781 |
| Noninterest income to average assets | 5.6993% | 110 |
| Noninterest expense to average assets | 9.6540% | 77 |
| Loan and lease loss provision to assets | 0.0576% | 5,722 |
| Net operating income to assets | -0.1707% | 6,353 |
| Return on assets (ROA) | -0.2750% | 6,528 |
| Pretax return on assets | -0.4761% | 6,608 |
| Return on Equity (ROE) | -3.3408% | 6,580 |
| Retained earnings to average equity (ytd only) | -3.3408% | 6,451 |
| Net charge-offs to loans | 0.0360% | 5,643 |
| Credit loss provision to net charge-offs | 182.7586% | 1,623 |
| Earnings coverage of net charge-offs (x) | -8.1027% | 6,126 |
| Efficiency ratio | 102.7180% | 587 |
| Assets per employee ($millions) | 1.0430% | 7,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6061% | 7,075 |
| Loan loss allowance to noncurrent loans | 42.1237% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 4,068 |
| Noncurrent loans to loans | 1.4389% | 4,133 |
| Net loans and leases to total assets | 88.6786% | 61 |
| Net loans and leases to deposits | 112.2336% | 154 |
| Net loans and leases to core deposits | 125.2425% | 295 |
| Total domestic deposits to total assets | 79.0125% | 5,983 |
| Equity capital to assets | 7.5995% | 6,895 |
| Core capital (leverage) ratio | 7.4625% | 6,783 |
| Tier 1 risk-based capital ratio | 10.7582% | 6,686 |
| Total risk-based capital ratio | 11.5931% | 6,829 |
| Memoranda: |
| Average total assets | $122,654,750 | 4,349 |
| Average earning assets | $112,590,000 | 4,346 |
| Average equity | $10,097,000 | 5,012 |
| Average total loans | $107,371,250 | 3,478 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3540% | 1,710 |
| Cost of funding earning assets | 1.3679% | 1,560 |
| Net interest margin | 3.9861% | 2,908 |
| Noninterest income to average assets | 4.1953% | 161 |
| Noninterest expense to average assets | 9.1115% | 88 |
| Loan and lease loss provision to assets | 0.0470% | 5,722 |
| Net operating income to assets | -0.7712% | 6,855 |
| Return on assets (ROA) | -0.7712% | 6,868 |
| Pretax return on assets | -1.3156% | 7,000 |
| Return on Equity (ROE) | -9.1065% | 6,907 |
| Retained earnings to average equity (ytd only) | -9.1065% | 6,833 |
| Net charge-offs to loans | -0.0058% | 6,603 |
| Credit loss provision to net charge-offs | -933.3333% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.1740% | 389 |
| Assets per employee ($millions) | 1.1637% | 7,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6579% | 7,079 |
| Loan loss allowance to noncurrent loans | 33.1213% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 1.8484% | 3,440 |
| Noncurrent loans to loans | 1.9862% | 3,504 |
| Net loans and leases to total assets | 87.5928% | 89 |
| Net loans and leases to deposits | 108.0399% | 215 |
| Net loans and leases to core deposits | 124.3465% | 339 |
| Total domestic deposits to total assets | 81.0745% | 5,501 |
| Equity capital to assets | 7.8686% | 6,760 |
| Core capital (leverage) ratio | 7.6839% | 6,602 |
| Tier 1 risk-based capital ratio | 9.8234% | 7,025 |
| Total risk-based capital ratio | 10.6252% | 7,124 |
| Memoranda: |
| Average total assets | $119,037,000 | 4,485 |
| Average earning assets | $108,927,670 | 4,478 |
| Average equity | $10,080,670 | 5,032 |
| Average total loans | $103,456,670 | 3,597 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3190% | 1,808 |
| Cost of funding earning assets | 1.3250% | 2,037 |
| Net interest margin | 3.9940% | 2,709 |
| Noninterest income to average assets | 2.4162% | 278 |
| Noninterest expense to average assets | 7.9954% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.1373% | 7,078 |
| Return on assets (ROA) | -1.1373% | 7,085 |
| Pretax return on assets | -1.9323% | 7,243 |
| Return on Equity (ROE) | -12.9318% | 7,098 |
| Retained earnings to average equity (ytd only) | -12.9318% | 6,972 |
| Net charge-offs to loans | -0.0040% | 6,220 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.8700% | 251 |
| Assets per employee ($millions) | 1.1477% | 7,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6922% | 7,085 |
| Loan loss allowance to noncurrent loans | 30.4178% | 6,282 |
| Noncurrent assets plus other real estate owned to assets | 2.0877% | 3,211 |
| Noncurrent loans to loans | 2.2758% | 3,225 |
| Net loans and leases to total assets | 86.5061% | 113 |
| Net loans and leases to deposits | 109.0501% | 195 |
| Net loans and leases to core deposits | 125.6242% | 319 |
| Total domestic deposits to total assets | 79.3269% | 6,109 |
| Equity capital to assets | 8.6491% | 5,718 |
| Core capital (leverage) ratio | 8.3527% | 5,709 |
| Tier 1 risk-based capital ratio | 10.8925% | 6,576 |
| Total risk-based capital ratio | 11.7233% | 6,807 |
| Memoranda: |
| Average total assets | $115,717,000 | 4,593 |
| Average earning assets | $105,658,000 | 4,598 |
| Average equity | $10,176,500 | 4,993 |
| Average total loans | $99,778,500 | 3,728 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4350% | 2,524 |
| Cost of funding earning assets | 1.5206% | 2,527 |
| Net interest margin | 3.9144% | 3,421 |
| Noninterest income to average assets | 0.7998% | 2,287 |
| Noninterest expense to average assets | 6.7906% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -2.4466% | 7,165 |
| Return on assets (ROA) | -2.4446% | 7,178 |
| Pretax return on assets | -2.4436% | 7,146 |
| Return on Equity (ROE) | -36.4389% | 7,304 |
| Retained earnings to average equity (ytd only) | -36.4389% | 7,295 |
| Net charge-offs to loans | 0.2020% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -14.6988% | 6,811 |
| Efficiency ratio | 156.2860% | 180 |
| Assets per employee ($millions) | 1.1668% | 7,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7080% | 7,127 |
| Loan loss allowance to noncurrent loans | 30.6140% | 6,254 |
| Noncurrent assets plus other real estate owned to assets | 2.4109% | 2,859 |
| Noncurrent loans to loans | 2.3128% | 3,204 |
| Net loans and leases to total assets | 84.7362% | 250 |
| Net loans and leases to deposits | 107.0813% | 288 |
| Net loans and leases to core deposits | 124.3590% | 420 |
| Total domestic deposits to total assets | 79.1326% | 6,053 |
| Equity capital to assets | 8.9400% | 5,223 |
| Core capital (leverage) ratio | 9.3654% | 3,902 |
| Tier 1 risk-based capital ratio | 11.5491% | 5,865 |
| Total risk-based capital ratio | 12.3795% | 6,206 |
| Memoranda: |
| Average total assets | $99,770,400 | 4,992 |
| Average earning assets | $90,358,400 | 5,004 |
| Average equity | $6,693,400 | 6,134 |
| Average total loans | $82,198,400 | 4,271 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.4876% | 2,478 |
| Cost of funding earning assets | 1.5811% | 2,501 |
| Net interest margin | 3.9065% | 3,506 |
| Noninterest income to average assets | 0.6636% | 3,048 |
| Noninterest expense to average assets | 6.1674% | 210 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -1.9714% | 7,232 |
| Return on assets (ROA) | -1.9686% | 7,247 |
| Pretax return on assets | -1.9672% | 7,190 |
| Return on Equity (ROE) | -32.6123% | 7,423 |
| Retained earnings to average equity (ytd only) | -32.6123% | 7,418 |
| Net charge-offs to loans | 0.2117% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -11.4193% | 6,630 |
| Efficiency ratio | 146.9340% | 216 |
| Assets per employee ($millions) | 2.8655% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8222% | 6,954 |
| Loan loss allowance to noncurrent loans | 40.0433% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 2.3938% | 2,987 |
| Noncurrent loans to loans | 2.0534% | 3,614 |
| Net loans and leases to total assets | 84.1891% | 319 |
| Net loans and leases to deposits | 97.5999% | 830 |
| Net loans and leases to core deposits | 113.6160% | 854 |
| Total domestic deposits to total assets | 86.2595% | 2,942 |
| Equity capital to assets | 5.9695% | 7,493 |
| Core capital (leverage) ratio | 6.1873% | 7,407 |
| Tier 1 risk-based capital ratio | 7.8946% | 7,488 |
| Total risk-based capital ratio | 8.8230% | 7,512 |
| Memoranda: |
| Average total assets | $95,834,250 | 5,163 |
| Average earning assets | $86,690,250 | 5,184 |
| Average equity | $5,785,000 | 6,518 |
| Average total loans | $78,102,750 | 4,466 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5259% | 2,417 |
| Cost of funding earning assets | 1.6326% | 2,468 |
| Net interest margin | 3.8933% | 3,479 |
| Noninterest income to average assets | 0.5820% | 3,467 |
| Noninterest expense to average assets | 6.2377% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -2.1441% | 7,342 |
| Return on assets (ROA) | -2.1398% | 7,349 |
| Pretax return on assets | -2.1376% | 7,275 |
| Return on Equity (ROE) | -35.2983% | 7,493 |
| Retained earnings to average equity (ytd only) | -35.2983% | 7,483 |
| Net charge-offs to loans | 0.0917% | 5,213 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -29.1176% | 6,345 |
| Efficiency ratio | 152.2979% | 197 |
| Assets per employee ($millions) | 2.7560% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0344% | 6,250 |
| Loan loss allowance to noncurrent loans | 32.4740% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 2.9320% | 2,453 |
| Noncurrent loans to loans | 3.1853% | 2,516 |
| Net loans and leases to total assets | 81.3873% | 618 |
| Net loans and leases to deposits | 96.2226% | 1,024 |
| Net loans and leases to core deposits | 107.2306% | 1,359 |
| Total domestic deposits to total assets | 84.5823% | 3,831 |
| Equity capital to assets | 6.1098% | 7,524 |
| Core capital (leverage) ratio | 6.5343% | 7,374 |
| Tier 1 risk-based capital ratio | 7.9594% | 7,522 |
| Total risk-based capital ratio | 9.0499% | 7,546 |
| Memoranda: |
| Average total assets | $92,438,330 | 5,297 |
| Average earning assets | $83,424,670 | 5,318 |
| Average equity | $5,603,670 | 6,583 |
| Average total loans | $74,137,330 | 4,637 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3985% | 3,042 |
| Cost of funding earning assets | 1.7546% | 2,106 |
| Net interest margin | 3.6439% | 4,523 |
| Noninterest income to average assets | 0.4357% | 4,598 |
| Noninterest expense to average assets | 6.3875% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.6727% | 7,590 |
| Return on assets (ROA) | -2.6727% | 7,589 |
| Pretax return on assets | -2.6682% | 7,542 |
| Return on Equity (ROE) | -44.2832% | 7,681 |
| Retained earnings to average equity (ytd only) | -44.2832% | 7,669 |
| Net charge-offs to loans | 0.2841% | 3,272 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -11.8800% | 5,565 |
| Efficiency ratio | 171.7391% | 138 |
| Assets per employee ($millions) | 2.3442% | 7,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1574% | 5,729 |
| Loan loss allowance to noncurrent loans | 36.7021% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 2.9087% | 2,463 |
| Noncurrent loans to loans | 3.1535% | 2,546 |
| Net loans and leases to total assets | 79.3821% | 927 |
| Net loans and leases to deposits | 92.2266% | 1,581 |
| Net loans and leases to core deposits | 101.3705% | 1,987 |
| Total domestic deposits to total assets | 86.0729% | 3,116 |
| Equity capital to assets | 5.7040% | 7,658 |
| Core capital (leverage) ratio | 5.7460% | 7,619 |
| Tier 1 risk-based capital ratio | 7.2421% | 7,678 |
| Total risk-based capital ratio | 8.3951% | 7,689 |
| Memoranda: |
| Average total assets | $89,049,000 | 5,484 |
| Average earning assets | $80,244,000 | 5,496 |
| Average equity | $5,374,500 | 6,717 |
| Average total loans | $70,409,000 | 4,838 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2436% | 5,440 |
| Cost of funding earning assets | 2.6476% | 676 |
| Net interest margin | 2.5960% | 7,338 |
| Noninterest income to average assets | 0.6189% | 3,495 |
| Noninterest expense to average assets | 6.3309% | 273 |
| Loan and lease loss provision to assets | 0.0034% | 7,416 |
| Net operating income to assets | -5.7814% | 7,823 |
| Return on assets (ROA) | -5.9336% | 7,824 |
| Pretax return on assets | -3.5611% | 7,433 |
| Return on Equity (ROE) | -87.6016% | 7,895 |
| Retained earnings to average equity (ytd only) | -87.6016% | 7,891 |
| Net charge-offs to loans | 2.8379% | 773 |
| Credit loss provision to net charge-offs | 0.1681% | 7,002 |
| Earnings coverage of net charge-offs (x) | -1.7048% | 6,982 |
| Efficiency ratio | 216.4116% | 116 |
| Assets per employee ($millions) | 2.6182% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2674% | 4,952 |
| Loan loss allowance to noncurrent loans | 37.9922% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 3.0566% | 2,282 |
| Noncurrent loans to loans | 3.3358% | 2,283 |
| Net loans and leases to total assets | 76.8367% | 1,620 |
| Net loans and leases to deposits | 92.4499% | 1,825 |
| Net loans and leases to core deposits | 127.3624% | 1,422 |
| Total domestic deposits to total assets | 83.1117% | 4,473 |
| Equity capital to assets | 6.3671% | 7,596 |
| Core capital (leverage) ratio | 6.5173% | 7,486 |
| Tier 1 risk-based capital ratio | 8.1211% | 7,635 |
| Total risk-based capital ratio | 9.3517% | 7,649 |
| Memoranda: |
| Average total assets | $89,355,600 | 5,411 |
| Average earning assets | $79,392,400 | 5,478 |
| Average equity | $6,052,400 | 6,589 |
| Average total loans | $62,898,600 | 5,137 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1125% | 6,222 |
| Cost of funding earning assets | 2.8722% | 499 |
| Net interest margin | 2.2403% | 7,690 |
| Noninterest income to average assets | 0.6947% | 3,049 |
| Noninterest expense to average assets | 6.1463% | 293 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -6.6248% | 7,962 |
| Return on assets (ROA) | -6.7843% | 7,967 |
| Pretax return on assets | -3.6240% | 7,626 |
| Return on Equity (ROE) | -98.6883% | 8,009 |
| Retained earnings to average equity (ytd only) | -98.6883% | 8,006 |
| Net charge-offs to loans | 3.9431% | 365 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -1.2819% | 6,679 |
| Efficiency ratio | 229.1829% | 107 |
| Assets per employee ($millions) | 2.4498% | 7,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.3057% | 4,469 |
| Loan loss allowance to noncurrent loans | 27.9630% | 6,601 |
| Noncurrent assets plus other real estate owned to assets | 3.6286% | 1,815 |
| Noncurrent loans to loans | 4.6693% | 1,475 |
| Net loans and leases to total assets | 70.6347% | 3,353 |
| Net loans and leases to deposits | 82.2011% | 3,984 |
| Net loans and leases to core deposits | 113.8650% | 2,835 |
| Total domestic deposits to total assets | 85.9291% | 2,729 |
| Equity capital to assets | 7.1050% | 7,548 |
| Core capital (leverage) ratio | 7.3598% | 7,126 |
| Tier 1 risk-based capital ratio | 10.9021% | 6,052 |
| Total risk-based capital ratio | 12.1544% | 6,007 |
| Memoranda: |
| Average total assets | $89,439,500 | 5,439 |
| Average earning assets | $79,333,500 | 5,513 |
| Average equity | $6,148,500 | 6,613 |
| Average total loans | $61,303,750 | 5,231 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1525% | 6,246 |
| Cost of funding earning assets | 3.1236% | 329 |
| Net interest margin | 2.0289% | 7,846 |
| Noninterest income to average assets | 0.8648% | 2,125 |
| Noninterest expense to average assets | 5.8918% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -7.9987% | 8,077 |
| Return on assets (ROA) | -8.2571% | 8,076 |
| Pretax return on assets | -3.4951% | 7,677 |
| Return on Equity (ROE) | -121.4940% | 8,100 |
| Retained earnings to average equity (ytd only) | -121.4940% | 8,099 |
| Net charge-offs to loans | 5.3697% | 219 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -0.8928% | 6,204 |
| Efficiency ratio | 221.9120% | 155 |
| Assets per employee ($millions) | 2.4910% | 7,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7799% | 2,104 |
| Loan loss allowance to noncurrent loans | 26.6769% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 5.0916% | 1,029 |
| Noncurrent loans to loans | 6.6721% | 770 |
| Net loans and leases to total assets | 64.3654% | 4,906 |
| Net loans and leases to deposits | 75.8120% | 5,199 |
| Net loans and leases to core deposits | 110.7357% | 3,302 |
| Total domestic deposits to total assets | 84.9014% | 3,312 |
| Equity capital to assets | 8.0043% | 6,748 |
| Core capital (leverage) ratio | 8.1984% | 5,982 |
| Tier 1 risk-based capital ratio | 12.5251% | 4,503 |
| Total risk-based capital ratio | 13.7810% | 4,419 |
| Memoranda: |
| Average total assets | $89,039,000 | 5,494 |
| Average earning assets | $78,563,330 | 5,578 |
| Average equity | $6,051,330 | 6,693 |
| Average total loans | $60,114,670 | 5,324 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3268% | 5,774 |
| Cost of funding earning assets | 3.2301% | 314 |
| Net interest margin | 2.0967% | 7,853 |
| Noninterest income to average assets | 0.1307% | 7,355 |
| Noninterest expense to average assets | 5.4013% | 384 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -12.9937% | 8,194 |
| Return on assets (ROA) | -13.5122% | 8,191 |
| Pretax return on assets | -3.9540% | 7,895 |
| Return on Equity (ROE) | -218.4402% | 8,204 |
| Retained earnings to average equity (ytd only) | -218.4402% | 8,203 |
| Net charge-offs to loans | 6.6131% | 133 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -0.7582% | 5,316 |
| Efficiency ratio | 274.7706% | 106 |
| Assets per employee ($millions) | 2.7153% | 6,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.7308% | 610 |
| Loan loss allowance to noncurrent loans | 32.0116% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 6.7843% | 521 |
| Noncurrent loans to loans | 8.5305% | 395 |
| Net loans and leases to total assets | 65.7906% | 4,635 |
| Net loans and leases to deposits | 78.1781% | 4,896 |
| Net loans and leases to core deposits | 113.8160% | 3,023 |
| Total domestic deposits to total assets | 84.1547% | 3,633 |
| Equity capital to assets | 8.5733% | 5,952 |
| Core capital (leverage) ratio | 8.8011% | 4,984 |
| Tier 1 risk-based capital ratio | 13.3445% | 3,964 |
| Total risk-based capital ratio | 14.6127% | 3,863 |
| Memoranda: |
| Average total assets | $88,720,000 | 5,533 |
| Average earning assets | $77,645,000 | 5,636 |
| Average equity | $5,488,000 | 6,951 |
| Average total loans | $60,788,500 | 5,330 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6169% | 7,016 |
| Cost of funding earning assets | 3.6214% | 354 |
| Net interest margin | 1.9956% | 8,065 |
| Noninterest income to average assets | 0.0591% | 7,851 |
| Noninterest expense to average assets | 4.3005% | 1,048 |
| Loan and lease loss provision to assets | 2.6655% | 376 |
| Net operating income to assets | -3.4713% | 7,907 |
| Return on assets (ROA) | -3.9315% | 7,960 |
| Pretax return on assets | -5.8234% | 8,091 |
| Return on Equity (ROE) | -68.6690% | 8,230 |
| Retained earnings to average equity (ytd only) | -68.6690% | 8,222 |
| Net charge-offs to loans | 2.3834% | 424 |
| Credit loss provision to net charge-offs | 171.9264% | 2,973 |
| Earnings coverage of net charge-offs (x) | -1.6003% | 6,678 |
| Efficiency ratio | 236.3585% | 157 |
| Assets per employee ($millions) | 2.9279% | 6,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | 4.3627% | 148 |
| Loan loss allowance to noncurrent loans | 49.7010% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 7.6631% | 314 |
| Noncurrent loans to loans | 8.7779% | 281 |
| Net loans and leases to total assets | 66.3862% | 4,772 |
| Net loans and leases to deposits | 74.9027% | 5,745 |
| Net loans and leases to core deposits | 110.4626% | 3,734 |
| Total domestic deposits to total assets | 88.6299% | 1,192 |
| Equity capital to assets | 3.7502% | 8,255 |
| Core capital (leverage) ratio | 0.8982% | 8,295 |
| Tier 1 risk-based capital ratio | 1.2494% | 8,297 |
| Total risk-based capital ratio | 2.4988% | 8,297 |
| Memoranda: |
| Average total assets | $98,104,200 | 5,112 |
| Average earning assets | $86,542,200 | 5,203 |
| Average equity | $5,616,800 | 6,943 |
| Average total loans | $63,816,600 | 5,106 |
