Home > Security Bank, s.b. > Performance and Condition Ratios
Security Bank, s.b., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1748% | 3,677 |
| Cost of funding earning assets | 0.4858% | 4,207 |
| Net interest margin | 3.6890% | 1,782 |
| Noninterest income to average assets | 0.9500% | 690 |
| Noninterest expense to average assets | 3.5344% | 556 |
| Loan and lease loss provision to assets | 0.4200% | 228 |
| Net operating income to assets | 0.3041% | 4,022 |
| Return on assets (ROA) | 0.3041% | 4,019 |
| Pretax return on assets | 0.4170% | 3,938 |
| Return on Equity (ROE) | 4.9000% | 3,739 |
| Retained earnings to average equity (ytd only) | 4.9031% | 2,631 |
| Net charge-offs to loans | 0.0542% | 1,323 |
| Credit loss provision to net charge-offs | 1,557.1429% | 282 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,613 |
| Efficiency ratio | 80.8367% | 864 |
| Assets per employee ($millions) | 4.1420% | 4,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 379 |
| Loan loss allowance to noncurrent loans | 52.1113% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 2.0536% | 132 |
| Noncurrent loans to loans | 3.8111% | 94 |
| Net loans and leases to total assets | 52.8100% | 3,426 |
| Net loans and leases to deposits | 60.0741% | 3,516 |
| Net loans and leases to core deposits | 62.1590% | 3,673 |
| Total domestic deposits to total assets | 87.9200% | 1,385 |
| Equity capital to assets | 6.6363% | 4,071 |
| Core capital (leverage) ratio | 8.4945% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9388% | 1,086 |
| Memoranda: | ||
| Average total assets | $207,192,800 | 2,940 |
| Average earning assets | $192,247,000 | 2,929 |
| Average equity | $12,849,000 | 3,444 |
| Average total loans | $103,340,400 | 3,139 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0364% | 3,787 |
| Cost of funding earning assets | 0.2601% | 4,396 |
| Net interest margin | 3.7763% | 1,649 |
| Noninterest income to average assets | 0.9800% | 664 |
| Noninterest expense to average assets | 3.6013% | 499 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6057% | 3,533 |
| Return on assets (ROA) | 0.6057% | 3,520 |
| Pretax return on assets | 0.8374% | 3,250 |
| Return on Equity (ROE) | 9.9400% | 2,655 |
| Retained earnings to average equity (ytd only) | 9.9362% | 1,425 |
| Net charge-offs to loans | 0.0786% | 933 |
| Credit loss provision to net charge-offs | 150.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 23.3000% | 1,738 |
| Efficiency ratio | 80.0940% | 850 |
| Assets per employee ($millions) | 3.5661% | 4,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 2,083 |
| Loan loss allowance to noncurrent loans | 38.3085% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.8446% | 164 |
| Noncurrent loans to loans | 3.2734% | 119 |
| Net loans and leases to total assets | 55.6500% | 3,232 |
| Net loans and leases to deposits | 61.4307% | 3,435 |
| Net loans and leases to core deposits | 61.8064% | 3,621 |
| Total domestic deposits to total assets | 90.5800% | 780 |
| Equity capital to assets | 6.4878% | 3,835 |
| Core capital (leverage) ratio | 9.0501% | 3,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0184% | 1,098 |
| Memoranda: | ||
| Average total assets | $208,251,500 | 2,936 |
| Average earning assets | $193,765,750 | 2,928 |
| Average equity | $12,694,000 | 3,451 |
| Average total loans | $101,834,500 | 3,158 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 3,996 |
| Cost of funding earning assets | 0.1955% | 4,433 |
| Net interest margin | 3.6213% | 1,988 |
| Noninterest income to average assets | 0.9800% | 587 |
| Noninterest expense to average assets | 3.4726% | 553 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.6284% | 3,509 |
| Return on assets (ROA) | 0.6284% | 3,520 |
| Pretax return on assets | 0.8375% | 3,309 |
| Return on Equity (ROE) | 10.5200% | 2,551 |
| Retained earnings to average equity (ytd only) | 10.5175% | 1,273 |
| Net charge-offs to loans | 0.1435% | 532 |
| Credit loss provision to net charge-offs | 84.5070% | 1,532 |
| Earnings coverage of net charge-offs (x) | 13.3662% | 1,908 |
| Efficiency ratio | 79.5254% | 868 |
| Assets per employee ($millions) | 3.7502% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 1,929 |
| Loan loss allowance to noncurrent loans | 67.9980% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.0342% | 439 |
| Noncurrent loans to loans | 1.9133% | 304 |
| Net loans and leases to total assets | 53.3500% | 3,316 |
| Net loans and leases to deposits | 57.3694% | 3,569 |
| Net loans and leases to core deposits | 57.4677% | 3,742 |
| Total domestic deposits to total assets | 92.9900% | 258 |
| Equity capital to assets | 6.7824% | 3,889 |
| Core capital (leverage) ratio | 8.7379% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0098% | 957 |
| Memoranda: | ||
| Average total assets | $212,289,333 | 2,915 |
| Average earning assets | $198,437,000 | 2,896 |
| Average equity | $12,683,667 | 3,467 |
| Average total loans | $98,936,667 | 3,185 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6602% | 4,087 |
| Cost of funding earning assets | 0.1341% | 4,488 |
| Net interest margin | 3.5260% | 2,298 |
| Noninterest income to average assets | 0.9600% | 612 |
| Noninterest expense to average assets | 3.2585% | 736 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.6966% | 3,478 |
| Return on assets (ROA) | 0.6966% | 3,425 |
| Pretax return on assets | 0.9515% | 3,121 |
| Return on Equity (ROE) | 12.3800% | 2,119 |
| Retained earnings to average equity (ytd only) | 12.3769% | 1,198 |
| Net charge-offs to loans | 0.3102% | 257 |
| Credit loss provision to net charge-offs | 40.0000% | 1,318 |
| Earnings coverage of net charge-offs (x) | 7.4667% | 1,757 |
| Efficiency ratio | 76.4211% | 1,138 |
| Assets per employee ($millions) | 4.4804% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 1,831 |
| Loan loss allowance to noncurrent loans | 72.0605% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.7973% | 598 |
| Noncurrent loans to loans | 1.8702% | 317 |
| Net loans and leases to total assets | 42.0600% | 3,946 |
| Net loans and leases to deposits | 44.7342% | 4,080 |
| Net loans and leases to core deposits | 44.7982% | 4,147 |
| Total domestic deposits to total assets | 94.0100% | 170 |
| Equity capital to assets | 5.7870% | 4,264 |
| Core capital (leverage) ratio | 7.8746% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5857% | 897 |
| Memoranda: | ||
| Average total assets | $222,804,000 | 2,887 |
| Average earning assets | $208,733,500 | 2,872 |
| Average equity | $12,539,500 | 3,516 |
| Average total loans | $96,715,000 | 3,246 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3900% | 4,500 |
| Cost of funding earning assets | 0.0990% | 4,292 |
| Net interest margin | 2.2910% | 4,410 |
| Noninterest income to average assets | 0.8200% | 992 |
| Noninterest expense to average assets | 2.7212% | 1,419 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.2114% | 4,466 |
| Return on assets (ROA) | 0.2114% | 4,433 |
| Pretax return on assets | 0.2913% | 4,384 |
| Return on Equity (ROE) | 3.7800% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.7819% | 3,519 |
| Net charge-offs to loans | 0.6569% | 93 |
| Credit loss provision to net charge-offs | -7.7535% | 4,610 |
| Earnings coverage of net charge-offs (x) | 1.0159% | 2,282 |
| Efficiency ratio | 90.9525% | 298 |
| Assets per employee ($millions) | 4.8748% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8939% | 3,879 |
| Loan loss allowance to noncurrent loans | 32.7002% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1974% | 345 |
| Noncurrent loans to loans | 2.7336% | 185 |
| Net loans and leases to total assets | 43.4100% | 3,913 |
| Net loans and leases to deposits | 46.0841% | 4,023 |
| Net loans and leases to core deposits | 46.1429% | 4,100 |
| Total domestic deposits to total assets | 94.2000% | 331 |
| Equity capital to assets | 5.4106% | 4,158 |
| Core capital (leverage) ratio | 7.1384% | 4,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2151% | 1,139 |
| Memoranda: | ||
| Average total assets | $251,700,750 | 2,741 |
| Average earning assets | $238,316,000 | 2,694 |
| Average equity | $14,066,750 | 3,496 |
| Average total loans | $102,099,750 | 3,121 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1865% | 4,570 |
| Cost of funding earning assets | 0.0945% | 4,250 |
| Net interest margin | 2.0920% | 4,515 |
| Noninterest income to average assets | 0.8879% | 867 |
| Noninterest expense to average assets | 2.6421% | 1,520 |
| Loan and lease loss provision to assets | -0.0414% | 4,494 |
| Net operating income to assets | 0.1978% | 4,424 |
| Return on assets (ROA) | 0.1978% | 4,385 |
| Pretax return on assets | 0.2730% | 4,333 |
| Return on Equity (ROE) | 3.5075% | 4,133 |
| Retained earnings to average equity (ytd only) | 3.5075% | 3,273 |
| Net charge-offs to loans | 0.9594% | 67 |
| Credit loss provision to net charge-offs | -10.8871% | 2,973 |
| Earnings coverage of net charge-offs (x) | 0.6089% | 2,093 |
| Efficiency ratio | 91.9424% | 344 |
| Assets per employee ($millions) | 5.3587% | 3,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,058 |
| Loan loss allowance to noncurrent loans | 35.6704% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.0945% | 413 |
| Noncurrent loans to loans | 2.4213% | 242 |
| Net loans and leases to total assets | 43.3379% | 3,882 |
| Net loans and leases to deposits | 46.1654% | 4,019 |
| Net loans and leases to core deposits | 46.2229% | 4,116 |
| Total domestic deposits to total assets | 93.8752% | 305 |
| Equity capital to assets | 5.4869% | 4,368 |
| Core capital (leverage) ratio | 7.4628% | 4,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7231% | 1,790 |
| Memoranda: | ||
| Average total assets | $260,853,333 | 2,701 |
| Average earning assets | $247,606,333 | 2,684 |
| Average equity | $14,711,333 | 3,526 |
| Average total loans | $103,392,667 | 3,141 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0366% | 4,609 |
| Cost of funding earning assets | 0.0881% | 4,272 |
| Net interest margin | 1.9485% | 4,547 |
| Noninterest income to average assets | 0.8462% | 942 |
| Noninterest expense to average assets | 2.4559% | 1,996 |
| Loan and lease loss provision to assets | 0.0275% | 1,872 |
| Net operating income to assets | 0.2217% | 4,296 |
| Return on assets (ROA) | 0.2217% | 4,263 |
| Pretax return on assets | 0.2217% | 4,300 |
| Return on Equity (ROE) | 3.8868% | 3,903 |
| Retained earnings to average equity (ytd only) | 3.8868% | 2,973 |
| Net charge-offs to loans | 0.6264% | 109 |
| Credit loss provision to net charge-offs | 11.5854% | 1,313 |
| Earnings coverage of net charge-offs (x) | 1.0488% | 1,752 |
| Efficiency ratio | 90.7874% | 513 |
| Assets per employee ($millions) | 6.2970% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 2,247 |
| Loan loss allowance to noncurrent loans | 41.8612% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.2188% | 358 |
| Noncurrent loans to loans | 3.1615% | 160 |
| Net loans and leases to total assets | 36.6786% | 4,169 |
| Net loans and leases to deposits | 38.8064% | 4,291 |
| Net loans and leases to core deposits | 38.8463% | 4,343 |
| Total domestic deposits to total assets | 94.5169% | 76 |
| Equity capital to assets | 5.2399% | 4,695 |
| Core capital (leverage) ratio | 6.3429% | 4,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6649% | 1,111 |
| Memoranda: | ||
| Average total assets | $276,069,000 | 2,621 |
| Average earning assets | $263,385,000 | 2,594 |
| Average equity | $15,745,500 | 3,494 |
| Average total loans | $104,724,000 | 3,128 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4063% | 4,536 |
| Cost of funding earning assets | 0.1214% | 4,209 |
| Net interest margin | 2.2849% | 4,426 |
| Noninterest income to average assets | 1.0963% | 859 |
| Noninterest expense to average assets | 2.8007% | 1,363 |
| Loan and lease loss provision to assets | 0.0540% | 1,976 |
| Net operating income to assets | 0.3187% | 4,403 |
| Return on assets (ROA) | 0.3194% | 4,423 |
| Pretax return on assets | 0.4057% | 4,385 |
| Return on Equity (ROE) | 4.6368% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.6368% | 2,950 |
| Net charge-offs to loans | 0.0385% | 1,486 |
| Credit loss provision to net charge-offs | 330.0000% | 1,019 |
| Earnings coverage of net charge-offs (x) | 28.0500% | 1,662 |
| Efficiency ratio | 85.9240% | 480 |
| Assets per employee ($millions) | 5.8525% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,217 |
| Loan loss allowance to noncurrent loans | 52.8274% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.0430% | 513 |
| Noncurrent loans to loans | 2.5249% | 267 |
| Net loans and leases to total assets | 38.1868% | 4,183 |
| Net loans and leases to deposits | 40.8062% | 4,314 |
| Net loans and leases to core deposits | 40.8487% | 4,376 |
| Total domestic deposits to total assets | 93.5809% | 21 |
| Equity capital to assets | 6.1705% | 4,809 |
| Core capital (leverage) ratio | 6.3858% | 4,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4038% | 1,179 |
| Memoranda: | ||
| Average total assets | $244,544,000 | 2,769 |
| Average earning assets | $231,519,200 | 2,735 |
| Average equity | $16,843,600 | 3,479 |
| Average total loans | $103,935,600 | 3,150 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4094% | 4,624 |
| Cost of funding earning assets | 0.1263% | 4,299 |
| Net interest margin | 2.2830% | 4,502 |
| Noninterest income to average assets | 1.0805% | 946 |
| Noninterest expense to average assets | 2.9006% | 1,127 |
| Loan and lease loss provision to assets | 0.0629% | 1,742 |
| Net operating income to assets | 0.1542% | 4,660 |
| Return on assets (ROA) | 0.1542% | 4,680 |
| Pretax return on assets | 0.2729% | 4,612 |
| Return on Equity (ROE) | 2.1731% | 4,572 |
| Retained earnings to average equity (ytd only) | 2.1731% | 4,144 |
| Net charge-offs to loans | 0.0439% | 1,233 |
| Credit loss provision to net charge-offs | 329.4118% | 955 |
| Earnings coverage of net charge-offs (x) | 17.5588% | 1,809 |
| Efficiency ratio | 89.6192% | 332 |
| Assets per employee ($millions) | 5.2556% | 3,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2837% | 2,572 |
| Loan loss allowance to noncurrent loans | 32.7053% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.7396% | 251 |
| Noncurrent loans to loans | 3.9252% | 131 |
| Net loans and leases to total assets | 41.9835% | 4,093 |
| Net loans and leases to deposits | 45.0792% | 4,275 |
| Net loans and leases to core deposits | 45.1296% | 4,351 |
| Total domestic deposits to total assets | 93.1327% | 27 |
| Equity capital to assets | 6.5963% | 4,861 |
| Core capital (leverage) ratio | 6.3066% | 4,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7451% | 1,410 |
| Memoranda: | ||
| Average total assets | $236,912,750 | 2,838 |
| Average earning assets | $223,732,000 | 2,816 |
| Average equity | $16,811,250 | 3,526 |
| Average total loans | $103,304,500 | 3,199 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3869% | 4,679 |
| Cost of funding earning assets | 0.1317% | 4,340 |
| Net interest margin | 2.2551% | 4,562 |
| Noninterest income to average assets | 0.9876% | 1,094 |
| Noninterest expense to average assets | 2.7221% | 1,532 |
| Loan and lease loss provision to assets | 0.0843% | 1,456 |
| Net operating income to assets | 0.2217% | 4,612 |
| Return on assets (ROA) | 0.2217% | 4,626 |
| Pretax return on assets | 0.3095% | 4,579 |
| Return on Equity (ROE) | 3.0443% | 4,468 |
| Retained earnings to average equity (ytd only) | 3.0443% | 3,824 |
| Net charge-offs to loans | 0.0316% | 1,338 |
| Credit loss provision to net charge-offs | 606.2500% | 619 |
| Earnings coverage of net charge-offs (x) | 28.3125% | 1,340 |
| Efficiency ratio | 87.3605% | 423 |
| Assets per employee ($millions) | 5.3683% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3212% | 2,333 |
| Loan loss allowance to noncurrent loans | 30.0362% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 2.1107% | 196 |
| Noncurrent loans to loans | 4.3987% | 112 |
| Net loans and leases to total assets | 43.5622% | 4,069 |
| Net loans and leases to deposits | 46.9229% | 4,274 |
| Net loans and leases to core deposits | 47.0330% | 4,365 |
| Total domestic deposits to total assets | 92.8378% | 41 |
| Equity capital to assets | 6.9457% | 4,856 |
| Core capital (leverage) ratio | 6.5774% | 4,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1352% | 1,307 |
| Memoranda: | ||
| Average total assets | $230,042,000 | 2,877 |
| Average earning assets | $217,104,000 | 2,856 |
| Average equity | $16,752,667 | 3,535 |
| Average total loans | $101,231,333 | 3,236 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3752% | 4,725 |
| Cost of funding earning assets | 0.1346% | 4,417 |
| Net interest margin | 2.2406% | 4,583 |
| Noninterest income to average assets | 0.9667% | 1,195 |
| Noninterest expense to average assets | 2.6824% | 1,660 |
| Loan and lease loss provision to assets | 0.0642% | 1,854 |
| Net operating income to assets | 0.2122% | 4,624 |
| Return on assets (ROA) | 0.2122% | 4,650 |
| Pretax return on assets | 0.3282% | 4,570 |
| Return on Equity (ROE) | 2.8436% | 4,502 |
| Retained earnings to average equity (ytd only) | 2.8436% | 3,829 |
| Net charge-offs to loans | -0.0081% | 3,584 |
| Credit loss provision to net charge-offs | -1,800.0000% | 3,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2390% | 473 |
| Assets per employee ($millions) | 5.7587% | 2,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 2,186 |
| Loan loss allowance to noncurrent loans | 29.0453% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 2.1554% | 218 |
| Noncurrent loans to loans | 4.6611% | 94 |
| Net loans and leases to total assets | 42.1567% | 4,224 |
| Net loans and leases to deposits | 45.4514% | 4,378 |
| Net loans and leases to core deposits | 45.5606% | 4,452 |
| Total domestic deposits to total assets | 92.7511% | 53 |
| Equity capital to assets | 7.0651% | 4,832 |
| Core capital (leverage) ratio | 7.0547% | 4,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2182% | 1,039 |
| Memoranda: | ||
| Average total assets | $224,276,000 | 2,903 |
| Average earning assets | $211,012,000 | 2,882 |
| Average equity | $16,739,500 | 3,538 |
| Average total loans | $98,525,000 | 3,282 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9227% | 4,692 |
| Cost of funding earning assets | 0.2053% | 4,566 |
| Net interest margin | 2.7174% | 4,359 |
| Noninterest income to average assets | 1.0575% | 947 |
| Noninterest expense to average assets | 3.1365% | 1,168 |
| Loan and lease loss provision to assets | 0.1030% | 3,043 |
| Net operating income to assets | 0.2659% | 4,483 |
| Return on assets (ROA) | 0.2702% | 4,543 |
| Pretax return on assets | 0.4001% | 4,420 |
| Return on Equity (ROE) | 3.0564% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.0564% | 3,322 |
| Net charge-offs to loans | 0.0236% | 2,574 |
| Credit loss provision to net charge-offs | 830.4348% | 875 |
| Earnings coverage of net charge-offs (x) | 40.1304% | 1,390 |
| Efficiency ratio | 86.3036% | 520 |
| Assets per employee ($millions) | 4.8283% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 2,049 |
| Loan loss allowance to noncurrent loans | 47.7526% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.4907% | 495 |
| Noncurrent loans to loans | 2.8924% | 309 |
| Net loans and leases to total assets | 44.6332% | 4,216 |
| Net loans and leases to deposits | 49.5721% | 4,334 |
| Net loans and leases to core deposits | 49.6390% | 4,433 |
| Total domestic deposits to total assets | 90.0370% | 552 |
| Equity capital to assets | 7.9069% | 4,745 |
| Core capital (leverage) ratio | 8.0142% | 4,623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,431,200 | 3,057 |
| Average earning assets | $175,829,600 | 3,027 |
| Average equity | $16,391,800 | 3,512 |
| Average total loans | $97,646,000 | 3,268 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0431% | 4,706 |
| Cost of funding earning assets | 0.2227% | 4,596 |
| Net interest margin | 2.8204% | 4,305 |
| Noninterest income to average assets | 1.0074% | 1,012 |
| Noninterest expense to average assets | 3.2311% | 1,017 |
| Loan and lease loss provision to assets | 0.0895% | 3,196 |
| Net operating income to assets | 0.2523% | 4,520 |
| Return on assets (ROA) | 0.2582% | 4,554 |
| Pretax return on assets | 0.3776% | 4,457 |
| Return on Equity (ROE) | 2.8319% | 4,419 |
| Retained earnings to average equity (ytd only) | 2.8319% | 3,587 |
| Net charge-offs to loans | 0.0354% | 2,126 |
| Credit loss provision to net charge-offs | 461.5385% | 1,343 |
| Earnings coverage of net charge-offs (x) | 23.6923% | 1,785 |
| Efficiency ratio | 87.5455% | 435 |
| Assets per employee ($millions) | 4.4690% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 2,220 |
| Loan loss allowance to noncurrent loans | 40.8602% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.8442% | 404 |
| Noncurrent loans to loans | 3.1447% | 285 |
| Net loans and leases to total assets | 52.5790% | 3,923 |
| Net loans and leases to deposits | 59.5509% | 4,090 |
| Net loans and leases to core deposits | 59.6456% | 4,222 |
| Total domestic deposits to total assets | 88.2927% | 1,065 |
| Equity capital to assets | 9.0860% | 4,045 |
| Core capital (leverage) ratio | 8.4418% | 4,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $178,677,250 | 3,101 |
| Average earning assets | $169,996,000 | 3,060 |
| Average equity | $16,290,250 | 3,526 |
| Average total loans | $98,020,000 | 3,276 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1444% | 4,759 |
| Cost of funding earning assets | 0.2373% | 4,658 |
| Net interest margin | 2.9071% | 4,296 |
| Noninterest income to average assets | 0.8986% | 1,175 |
| Noninterest expense to average assets | 3.2502% | 1,075 |
| Loan and lease loss provision to assets | 0.0327% | 3,855 |
| Net operating income to assets | 0.2643% | 4,475 |
| Return on assets (ROA) | 0.2732% | 4,504 |
| Pretax return on assets | 0.3929% | 4,424 |
| Return on Equity (ROE) | 2.9930% | 4,356 |
| Retained earnings to average equity (ytd only) | 2.9930% | 3,395 |
| Net charge-offs to loans | 0.0591% | 1,660 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | 12.6552% | 2,039 |
| Efficiency ratio | 88.6938% | 425 |
| Assets per employee ($millions) | 4.3806% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 2,742 |
| Loan loss allowance to noncurrent loans | 41.2665% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 1.6963% | 497 |
| Noncurrent loans to loans | 2.8047% | 373 |
| Net loans and leases to total assets | 53.8435% | 3,887 |
| Net loans and leases to deposits | 60.7926% | 4,077 |
| Net loans and leases to core deposits | 60.8879% | 4,217 |
| Total domestic deposits to total assets | 88.5692% | 915 |
| Equity capital to assets | 8.9676% | 4,119 |
| Core capital (leverage) ratio | 8.8840% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $177,160,667 | 3,097 |
| Average earning assets | $168,552,000 | 3,056 |
| Average equity | $16,171,000 | 3,531 |
| Average total loans | $98,162,333 | 3,268 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2915% | 4,817 |
| Cost of funding earning assets | 0.2564% | 4,757 |
| Net interest margin | 3.0351% | 4,220 |
| Noninterest income to average assets | 0.7827% | 1,359 |
| Noninterest expense to average assets | 3.3313% | 1,171 |
| Loan and lease loss provision to assets | 0.0368% | 3,310 |
| Net operating income to assets | 0.2212% | 4,493 |
| Return on assets (ROA) | 0.2394% | 4,487 |
| Pretax return on assets | 0.3269% | 4,408 |
| Return on Equity (ROE) | 2.5989% | 4,313 |
| Retained earnings to average equity (ytd only) | 2.5989% | 3,229 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7210% | 473 |
| Assets per employee ($millions) | 4.0854% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,650 |
| Loan loss allowance to noncurrent loans | 42.6705% | 4,204 |
| Noncurrent assets plus other real estate owned to assets | 1.8964% | 458 |
| Noncurrent loans to loans | 2.8210% | 399 |
| Net loans and leases to total assets | 59.0636% | 3,589 |
| Net loans and leases to deposits | 65.6326% | 3,889 |
| Net loans and leases to core deposits | 65.8606% | 4,092 |
| Total domestic deposits to total assets | 89.9912% | 325 |
| Equity capital to assets | 9.8062% | 3,956 |
| Core capital (leverage) ratio | 9.1997% | 4,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6156% | 1,050 |
| Memoranda: | ||
| Average total assets | $173,748,500 | 3,098 |
| Average earning assets | $165,396,500 | 3,059 |
| Average equity | $16,007,000 | 3,557 |
| Average total loans | $97,131,500 | 3,259 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5271% | 4,839 |
| Cost of funding earning assets | 0.2609% | 4,824 |
| Net interest margin | 3.2663% | 4,052 |
| Noninterest income to average assets | 0.6801% | 1,884 |
| Noninterest expense to average assets | 3.1305% | 1,690 |
| Loan and lease loss provision to assets | 0.1817% | 1,135 |
| Net operating income to assets | 0.3002% | 4,745 |
| Return on assets (ROA) | 0.3002% | 4,781 |
| Pretax return on assets | 0.4625% | 4,630 |
| Return on Equity (ROE) | 3.2314% | 4,620 |
| Retained earnings to average equity (ytd only) | 3.2314% | 3,401 |
| Net charge-offs to loans | 0.0999% | 1,730 |
| Credit loss provision to net charge-offs | 317.5258% | 873 |
| Earnings coverage of net charge-offs (x) | 11.2577% | 2,512 |
| Efficiency ratio | 82.9348% | 734 |
| Assets per employee ($millions) | 4.7200% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 2,431 |
| Loan loss allowance to noncurrent loans | 31.3768% | 4,408 |
| Noncurrent assets plus other real estate owned to assets | 2.1980% | 337 |
| Noncurrent loans to loans | 3.8284% | 198 |
| Net loans and leases to total assets | 51.8291% | 4,240 |
| Net loans and leases to deposits | 56.8630% | 4,427 |
| Net loans and leases to core deposits | 57.1943% | 4,546 |
| Total domestic deposits to total assets | 91.1473% | 100 |
| Equity capital to assets | 8.6859% | 4,835 |
| Core capital (leverage) ratio | 9.1535% | 4,400 |
| Tier 1 risk-based capital ratio | 16.7194% | 2,149 |
| Total risk-based capital ratio | 17.9696% | 2,082 |
| Memoranda: | ||
| Average total assets | $169,527,800 | 3,114 |
| Average earning assets | $160,612,000 | 3,078 |
| Average equity | $15,751,800 | 3,569 |
| Average total loans | $97,071,800 | 3,266 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6104% | 4,874 |
| Cost of funding earning assets | 0.2592% | 4,903 |
| Net interest margin | 3.3512% | 3,985 |
| Noninterest income to average assets | 0.6888% | 1,832 |
| Noninterest expense to average assets | 3.0300% | 1,887 |
| Loan and lease loss provision to assets | 0.0916% | 2,076 |
| Net operating income to assets | 0.5337% | 4,441 |
| Return on assets (ROA) | 0.5337% | 4,497 |
| Pretax return on assets | 0.7370% | 4,268 |
| Return on Equity (ROE) | 5.6416% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.6416% | 2,546 |
| Net charge-offs to loans | 0.1207% | 1,295 |
| Credit loss provision to net charge-offs | 129.5455% | 1,830 |
| Earnings coverage of net charge-offs (x) | 11.7159% | 2,421 |
| Efficiency ratio | 78.5253% | 1,052 |
| Assets per employee ($millions) | 5.3067% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0107% | 3,512 |
| Loan loss allowance to noncurrent loans | 27.0683% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 2.0830% | 403 |
| Noncurrent loans to loans | 3.7338% | 198 |
| Net loans and leases to total assets | 48.6358% | 4,493 |
| Net loans and leases to deposits | 53.1023% | 4,664 |
| Net loans and leases to core deposits | 53.3891% | 4,762 |
| Total domestic deposits to total assets | 91.5889% | 56 |
| Equity capital to assets | 8.2181% | 5,088 |
| Core capital (leverage) ratio | 10.2062% | 3,417 |
| Tier 1 risk-based capital ratio | 13.2336% | 3,725 |
| Total risk-based capital ratio | 14.0930% | 3,832 |
| Memoranda: | ||
| Average total assets | $165,889,750 | 3,180 |
| Average earning assets | $156,915,000 | 3,147 |
| Average equity | $15,692,500 | 3,610 |
| Average total loans | $97,198,000 | 3,302 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 4,567 |
| Cost of funding earning assets | 0.2585% | 4,930 |
| Net interest margin | 3.6344% | 3,148 |
| Noninterest income to average assets | 0.6845% | 1,779 |
| Noninterest expense to average assets | 3.0243% | 1,933 |
| Loan and lease loss provision to assets | 0.0886% | 2,069 |
| Net operating income to assets | 0.7346% | 3,885 |
| Return on assets (ROA) | 0.7346% | 3,941 |
| Pretax return on assets | 1.0017% | 3,539 |
| Return on Equity (ROE) | 7.3594% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.3594% | 1,669 |
| Net charge-offs to loans | 0.2709% | 624 |
| Credit loss provision to net charge-offs | 52.2727% | 2,458 |
| Earnings coverage of net charge-offs (x) | 6.4318% | 2,571 |
| Efficiency ratio | 73.5019% | 1,700 |
| Assets per employee ($millions) | 3.9621% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 4,109 |
| Loan loss allowance to noncurrent loans | 28.2706% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.3672% | 324 |
| Noncurrent loans to loans | 3.1697% | 309 |
| Net loans and leases to total assets | 65.0826% | 3,226 |
| Net loans and leases to deposits | 72.9558% | 3,604 |
| Net loans and leases to core deposits | 73.9887% | 3,893 |
| Total domestic deposits to total assets | 89.2081% | 589 |
| Equity capital to assets | 10.6105% | 3,429 |
| Core capital (leverage) ratio | 9.5989% | 4,043 |
| Tier 1 risk-based capital ratio | 16.6402% | 2,192 |
| Total risk-based capital ratio | 17.6325% | 2,219 |
| Memoranda: | ||
| Average total assets | $155,737,330 | 3,286 |
| Average earning assets | $146,985,000 | 3,256 |
| Average equity | $15,544,670 | 3,631 |
| Average total loans | $97,440,670 | 3,320 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 4,780 |
| Cost of funding earning assets | 0.2358% | 5,023 |
| Net interest margin | 3.5151% | 3,555 |
| Noninterest income to average assets | 0.6240% | 1,941 |
| Noninterest expense to average assets | 2.9231% | 2,208 |
| Loan and lease loss provision to assets | 0.0758% | 2,166 |
| Net operating income to assets | 0.9398% | 3,090 |
| Return on assets (ROA) | 0.9398% | 3,132 |
| Pretax return on assets | 0.9398% | 3,641 |
| Return on Equity (ROE) | 9.7068% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.7068% | 1,102 |
| Net charge-offs to loans | 0.3639% | 429 |
| Credit loss provision to net charge-offs | 34.0909% | 2,067 |
| Earnings coverage of net charge-offs (x) | 4.5682% | 2,319 |
| Efficiency ratio | 74.2142% | 1,732 |
| Assets per employee ($millions) | 4.8251% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 4,030 |
| Loan loss allowance to noncurrent loans | 25.7813% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.3816% | 343 |
| Noncurrent loans to loans | 3.6145% | 243 |
| Net loans and leases to total assets | 56.0908% | 4,051 |
| Net loans and leases to deposits | 61.8899% | 4,304 |
| Net loans and leases to core deposits | 62.5504% | 4,449 |
| Total domestic deposits to total assets | 90.6299% | 245 |
| Equity capital to assets | 9.2291% | 4,501 |
| Core capital (leverage) ratio | 9.1626% | 4,509 |
| Tier 1 risk-based capital ratio | 17.3795% | 1,981 |
| Total risk-based capital ratio | 18.4576% | 1,988 |
| Memoranda: | ||
| Average total assets | $158,327,000 | 3,313 |
| Average earning assets | $149,298,000 | 3,274 |
| Average equity | $15,329,500 | 3,665 |
| Average total loans | $96,724,500 | 3,372 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0628% | 3,864 |
| Cost of funding earning assets | 0.2568% | 4,772 |
| Net interest margin | 3.8060% | 2,643 |
| Noninterest income to average assets | 0.6351% | 2,126 |
| Noninterest expense to average assets | 3.5395% | 948 |
| Loan and lease loss provision to assets | 0.1424% | 1,508 |
| Net operating income to assets | 2.5278% | 144 |
| Return on assets (ROA) | 2.5278% | 143 |
| Pretax return on assets | 0.5635% | 4,698 |
| Return on Equity (ROE) | 25.6200% | 83 |
| Retained earnings to average equity (ytd only) | 25.6200% | 21 |
| Net charge-offs to loans | -0.1512% | 5,225 |
| Credit loss provision to net charge-offs | -123.6486% | 4,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3731% | 691 |
| Assets per employee ($millions) | 4.4765% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 3,863 |
| Loan loss allowance to noncurrent loans | 40.2460% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.9793% | 487 |
| Noncurrent loans to loans | 2.4102% | 519 |
| Net loans and leases to total assets | 65.5836% | 3,189 |
| Net loans and leases to deposits | 73.2106% | 3,568 |
| Net loans and leases to core deposits | 73.6324% | 3,881 |
| Total domestic deposits to total assets | 89.5821% | 628 |
| Equity capital to assets | 10.1695% | 3,507 |
| Core capital (leverage) ratio | 10.5248% | 2,998 |
| Tier 1 risk-based capital ratio | 16.7908% | 2,140 |
| Total risk-based capital ratio | 17.9064% | 2,130 |
| Memoranda: | ||
| Average total assets | $128,493,000 | 3,666 |
| Average earning assets | $121,887,400 | 3,615 |
| Average equity | $12,677,600 | 3,933 |
| Average total loans | $97,913,000 | 3,342 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 3,762 |
| Cost of funding earning assets | 0.2684% | 4,684 |
| Net interest margin | 3.7900% | 2,686 |
| Noninterest income to average assets | 0.6382% | 2,129 |
| Noninterest expense to average assets | 3.5660% | 902 |
| Loan and lease loss provision to assets | 0.1143% | 1,774 |
| Net operating income to assets | 0.5659% | 4,599 |
| Return on assets (ROA) | 0.5659% | 4,605 |
| Pretax return on assets | 0.5659% | 4,790 |
| Return on Equity (ROE) | 5.7891% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.7891% | 2,763 |
| Net charge-offs to loans | -0.2328% | 5,324 |
| Credit loss provision to net charge-offs | -61.9883% | 4,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9807% | 642 |
| Assets per employee ($millions) | 3.6357% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9360% | 4,113 |
| Loan loss allowance to noncurrent loans | 30.4525% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 2.9214% | 255 |
| Noncurrent loans to loans | 3.0736% | 351 |
| Net loans and leases to total assets | 78.9543% | 1,176 |
| Net loans and leases to deposits | 89.0224% | 2,016 |
| Net loans and leases to core deposits | 89.8747% | 2,671 |
| Total domestic deposits to total assets | 88.6903% | 963 |
| Equity capital to assets | 10.1686% | 3,475 |
| Core capital (leverage) ratio | 10.6137% | 2,968 |
| Tier 1 risk-based capital ratio | 15.9203% | 2,475 |
| Total risk-based capital ratio | 17.0368% | 2,468 |
| Memoranda: | ||
| Average total assets | $123,684,750 | 3,771 |
| Average earning assets | $117,744,250 | 3,723 |
| Average equity | $12,091,250 | 4,044 |
| Average total loans | $97,933,000 | 3,364 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,807 |
| Cost of funding earning assets | 0.2618% | 4,692 |
| Net interest margin | 3.7303% | 2,824 |
| Noninterest income to average assets | 0.5668% | 2,493 |
| Noninterest expense to average assets | 3.4614% | 1,051 |
| Loan and lease loss provision to assets | 0.1473% | 1,292 |
| Net operating income to assets | 0.5171% | 4,712 |
| Return on assets (ROA) | 0.5171% | 4,717 |
| Pretax return on assets | 0.5171% | 4,875 |
| Return on Equity (ROE) | 5.3588% | 4,443 |
| Retained earnings to average equity (ytd only) | 5.3588% | 2,900 |
| Net charge-offs to loans | 0.0020% | 3,139 |
| Credit loss provision to net charge-offs | 9,200.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 415.0000% | 224 |
| Efficiency ratio | 83.8960% | 693 |
| Assets per employee ($millions) | 3.6450% | 4,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7175% | 4,908 |
| Loan loss allowance to noncurrent loans | 15.6616% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 4.1095% | 130 |
| Noncurrent loans to loans | 4.5813% | 163 |
| Net loans and leases to total assets | 79.1610% | 1,142 |
| Net loans and leases to deposits | 91.6355% | 1,631 |
| Net loans and leases to core deposits | 92.0232% | 2,397 |
| Total domestic deposits to total assets | 86.3868% | 2,104 |
| Equity capital to assets | 9.7490% | 3,874 |
| Core capital (leverage) ratio | 10.2270% | 3,328 |
| Tier 1 risk-based capital ratio | 14.8676% | 2,936 |
| Total risk-based capital ratio | 15.7101% | 3,045 |
| Memoranda: | ||
| Average total assets | $124,920,670 | 3,774 |
| Average earning assets | $119,187,670 | 3,726 |
| Average equity | $12,055,000 | 4,076 |
| Average total loans | $98,703,330 | 3,356 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9281% | 3,852 |
| Cost of funding earning assets | 0.2507% | 4,705 |
| Net interest margin | 3.6774% | 2,893 |
| Noninterest income to average assets | 0.5645% | 2,451 |
| Noninterest expense to average assets | 3.4477% | 1,086 |
| Loan and lease loss provision to assets | 0.1499% | 1,215 |
| Net operating income to assets | 0.4752% | 4,753 |
| Return on assets (ROA) | 0.4752% | 4,756 |
| Pretax return on assets | 0.4752% | 4,909 |
| Return on Equity (ROE) | 4.9495% | 4,512 |
| Retained earnings to average equity (ytd only) | 4.9495% | 3,203 |
| Net charge-offs to loans | -0.0122% | 4,331 |
| Credit loss provision to net charge-offs | -1,566.6667% | 4,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6515% | 748 |
| Assets per employee ($millions) | 3.3515% | 4,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6858% | 5,056 |
| Loan loss allowance to noncurrent loans | 14.7169% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 4.1264% | 151 |
| Noncurrent loans to loans | 4.6596% | 177 |
| Net loans and leases to total assets | 78.0141% | 1,235 |
| Net loans and leases to deposits | 86.5562% | 2,096 |
| Net loans and leases to core deposits | 86.7114% | 2,749 |
| Total domestic deposits to total assets | 90.1312% | 610 |
| Equity capital to assets | 9.6519% | 3,940 |
| Core capital (leverage) ratio | 10.0982% | 3,427 |
| Tier 1 risk-based capital ratio | 14.8999% | 2,921 |
| Total risk-based capital ratio | 15.7086% | 3,052 |
| Memoranda: | ||
| Average total assets | $125,415,500 | 3,806 |
| Average earning assets | $119,650,500 | 3,754 |
| Average equity | $12,041,500 | 4,117 |
| Average total loans | $98,648,000 | 3,382 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7812% | 4,104 |
| Cost of funding earning assets | 0.2124% | 4,849 |
| Net interest margin | 3.5688% | 3,271 |
| Noninterest income to average assets | 0.6878% | 2,019 |
| Noninterest expense to average assets | 3.6686% | 829 |
| Loan and lease loss provision to assets | 0.1398% | 1,635 |
| Net operating income to assets | 0.2764% | 4,969 |
| Return on assets (ROA) | 0.2764% | 4,988 |
| Pretax return on assets | 0.2764% | 5,237 |
| Return on Equity (ROE) | 2.9217% | 4,851 |
| Retained earnings to average equity (ytd only) | 2.9217% | 3,559 |
| Net charge-offs to loans | 0.0996% | 2,080 |
| Credit loss provision to net charge-offs | 182.4742% | 1,485 |
| Earnings coverage of net charge-offs (x) | 5.4330% | 3,328 |
| Efficiency ratio | 89.8125% | 443 |
| Assets per employee ($millions) | 3.3375% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6187% | 5,209 |
| Loan loss allowance to noncurrent loans | 13.0655% | 5,024 |
| Noncurrent assets plus other real estate owned to assets | 4.1853% | 136 |
| Noncurrent loans to loans | 4.7354% | 159 |
| Net loans and leases to total assets | 78.2715% | 1,253 |
| Net loans and leases to deposits | 90.6085% | 1,697 |
| Net loans and leases to core deposits | 91.2163% | 2,437 |
| Total domestic deposits to total assets | 86.3843% | 2,277 |
| Equity capital to assets | 9.5518% | 4,191 |
| Core capital (leverage) ratio | 10.0824% | 3,345 |
| Tier 1 risk-based capital ratio | 14.3704% | 3,162 |
| Total risk-based capital ratio | 15.1046% | 3,352 |
| Memoranda: | ||
| Average total assets | $126,641,800 | 3,797 |
| Average earning assets | $120,544,800 | 3,736 |
| Average equity | $11,979,400 | 4,141 |
| Average total loans | $97,405,000 | 3,390 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 4,078 |
| Cost of funding earning assets | 0.2060% | 4,925 |
| Net interest margin | 3.5718% | 3,257 |
| Noninterest income to average assets | 0.6983% | 2,010 |
| Noninterest expense to average assets | 3.6683% | 795 |
| Loan and lease loss provision to assets | 0.1390% | 1,535 |
| Net operating income to assets | 0.2875% | 5,240 |
| Return on assets (ROA) | 0.2875% | 5,263 |
| Pretax return on assets | 0.2875% | 5,319 |
| Return on Equity (ROE) | 3.0470% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.0470% | 4,092 |
| Net charge-offs to loans | 0.0964% | 1,815 |
| Credit loss provision to net charge-offs | 188.5714% | 1,410 |
| Earnings coverage of net charge-offs (x) | 5.7858% | 3,057 |
| Efficiency ratio | 89.5833% | 426 |
| Assets per employee ($millions) | 3.0917% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 5,268 |
| Loan loss allowance to noncurrent loans | 12.7741% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 4.2655% | 150 |
| Noncurrent loans to loans | 4.9540% | 166 |
| Net loans and leases to total assets | 76.1828% | 1,561 |
| Net loans and leases to deposits | 87.9599% | 2,071 |
| Net loans and leases to core deposits | 88.3965% | 2,733 |
| Total domestic deposits to total assets | 86.6108% | 2,041 |
| Equity capital to assets | 9.8604% | 4,079 |
| Core capital (leverage) ratio | 10.1062% | 3,435 |
| Tier 1 risk-based capital ratio | 15.2656% | 2,808 |
| Total risk-based capital ratio | 16.0295% | 2,956 |
| Memoranda: | ||
| Average total assets | $126,596,250 | 3,836 |
| Average earning assets | $120,383,500 | 3,781 |
| Average equity | $11,945,750 | 4,186 |
| Average total loans | $96,785,000 | 3,429 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,049 |
| Cost of funding earning assets | 0.2028% | 4,952 |
| Net interest margin | 3.5541% | 3,203 |
| Noninterest income to average assets | 0.6632% | 2,157 |
| Noninterest expense to average assets | 3.6685% | 805 |
| Loan and lease loss provision to assets | 0.1474% | 1,379 |
| Net operating income to assets | 0.2273% | 5,357 |
| Return on assets (ROA) | 0.2273% | 5,373 |
| Pretax return on assets | 0.2273% | 5,409 |
| Return on Equity (ROE) | 2.4446% | 5,248 |
| Retained earnings to average equity (ytd only) | 2.4446% | 4,221 |
| Net charge-offs to loans | 0.1396% | 1,316 |
| Credit loss provision to net charge-offs | 138.2353% | 1,613 |
| Earnings coverage of net charge-offs (x) | 3.5147% | 3,037 |
| Efficiency ratio | 90.7328% | 420 |
| Assets per employee ($millions) | 2.9107% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5965% | 5,385 |
| Loan loss allowance to noncurrent loans | 11.8066% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 4.3304% | 148 |
| Noncurrent loans to loans | 5.0525% | 151 |
| Net loans and leases to total assets | 75.0897% | 1,686 |
| Net loans and leases to deposits | 84.1908% | 2,444 |
| Net loans and leases to core deposits | 84.5901% | 3,007 |
| Total domestic deposits to total assets | 89.1899% | 862 |
| Equity capital to assets | 9.6715% | 4,255 |
| Core capital (leverage) ratio | 9.7585% | 3,823 |
| Tier 1 risk-based capital ratio | 15.4984% | 2,704 |
| Total risk-based capital ratio | 16.2266% | 2,869 |
| Memoranda: | ||
| Average total assets | $127,572,670 | 3,847 |
| Average earning assets | $121,325,330 | 3,783 |
| Average equity | $11,863,000 | 4,210 |
| Average total loans | $97,442,330 | 3,436 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8127% | 3,718 |
| Cost of funding earning assets | 0.2029% | 4,955 |
| Net interest margin | 3.6098% | 2,855 |
| Noninterest income to average assets | 0.5777% | 2,525 |
| Noninterest expense to average assets | 3.6652% | 815 |
| Loan and lease loss provision to assets | 0.1491% | 1,249 |
| Net operating income to assets | 0.1895% | 5,410 |
| Return on assets (ROA) | 0.1895% | 5,421 |
| Pretax return on assets | 0.1895% | 5,443 |
| Return on Equity (ROE) | 2.0780% | 5,323 |
| Retained earnings to average equity (ytd only) | 2.0780% | 4,312 |
| Net charge-offs to loans | 0.1173% | 1,231 |
| Credit loss provision to net charge-offs | 165.5172% | 1,145 |
| Earnings coverage of net charge-offs (x) | 3.7586% | 2,449 |
| Efficiency ratio | 91.5438% | 474 |
| Assets per employee ($millions) | 2.9188% | 5,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5663% | 5,527 |
| Loan loss allowance to noncurrent loans | 12.2958% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 4.0748% | 182 |
| Noncurrent loans to loans | 4.6057% | 187 |
| Net loans and leases to total assets | 76.1526% | 1,394 |
| Net loans and leases to deposits | 84.1665% | 2,264 |
| Net loans and leases to core deposits | 84.5486% | 2,852 |
| Total domestic deposits to total assets | 90.4785% | 481 |
| Equity capital to assets | 9.2007% | 4,618 |
| Core capital (leverage) ratio | 9.5139% | 4,111 |
| Tier 1 risk-based capital ratio | 14.8820% | 3,025 |
| Total risk-based capital ratio | 15.5786% | 3,215 |
| Memoranda: | ||
| Average total assets | $128,778,500 | 3,865 |
| Average earning assets | $122,223,500 | 3,808 |
| Average equity | $11,742,000 | 4,260 |
| Average total loans | $98,890,000 | 3,439 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7481% | 4,059 |
| Cost of funding earning assets | 0.2124% | 4,906 |
| Net interest margin | 3.5358% | 3,299 |
| Noninterest income to average assets | 0.5272% | 3,043 |
| Noninterest expense to average assets | 3.9089% | 678 |
| Loan and lease loss provision to assets | 0.2128% | 1,064 |
| Net operating income to assets | -0.2461% | 5,728 |
| Return on assets (ROA) | -0.2252% | 5,733 |
| Pretax return on assets | -0.2252% | 5,723 |
| Return on Equity (ROE) | -2.3684% | 5,740 |
| Retained earnings to average equity (ytd only) | -2.3684% | 5,558 |
| Net charge-offs to loans | 0.3205% | 854 |
| Credit loss provision to net charge-offs | 89.2508% | 2,811 |
| Earnings coverage of net charge-offs (x) | -0.1401% | 4,139 |
| Efficiency ratio | 100.8616% | 212 |
| Assets per employee ($millions) | 2.8072% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5411% | 5,611 |
| Loan loss allowance to noncurrent loans | 12.1968% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 4.0021% | 191 |
| Noncurrent loans to loans | 4.4366% | 209 |
| Net loans and leases to total assets | 76.5775% | 1,425 |
| Net loans and leases to deposits | 85.9901% | 2,173 |
| Net loans and leases to core deposits | 86.6160% | 2,800 |
| Total domestic deposits to total assets | 89.0538% | 1,089 |
| Equity capital to assets | 9.0357% | 4,776 |
| Core capital (leverage) ratio | 9.6074% | 3,958 |
| Tier 1 risk-based capital ratio | 14.5422% | 3,177 |
| Total risk-based capital ratio | 15.2085% | 3,403 |
| Memoranda: | ||
| Average total assets | $128,784,000 | 3,851 |
| Average earning assets | $121,953,600 | 3,794 |
| Average equity | $12,244,800 | 4,214 |
| Average total loans | $95,797,600 | 3,465 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7789% | 3,986 |
| Cost of funding earning assets | 0.2154% | 4,921 |
| Net interest margin | 3.5635% | 3,217 |
| Noninterest income to average assets | 0.6734% | 2,295 |
| Noninterest expense to average assets | 3.9855% | 601 |
| Loan and lease loss provision to assets | 0.1243% | 1,875 |
| Net operating income to assets | -0.0601% | 5,748 |
| Return on assets (ROA) | -0.0321% | 5,754 |
| Pretax return on assets | -0.0321% | 5,745 |
| Return on Equity (ROE) | -0.3336% | 5,758 |
| Retained earnings to average equity (ytd only) | -0.3336% | 5,421 |
| Net charge-offs to loans | 0.2796% | 825 |
| Credit loss provision to net charge-offs | 60.3015% | 2,904 |
| Earnings coverage of net charge-offs (x) | 0.3115% | 3,802 |
| Efficiency ratio | 98.4139% | 250 |
| Assets per employee ($millions) | 2.9429% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 5,702 |
| Loan loss allowance to noncurrent loans | 11.5007% | 5,386 |
| Noncurrent assets plus other real estate owned to assets | 4.4442% | 179 |
| Noncurrent loans to loans | 4.6076% | 205 |
| Net loans and leases to total assets | 72.9814% | 2,023 |
| Net loans and leases to deposits | 81.3213% | 2,818 |
| Net loans and leases to core deposits | 81.9193% | 3,288 |
| Total domestic deposits to total assets | 89.7444% | 579 |
| Equity capital to assets | 9.8683% | 4,284 |
| Core capital (leverage) ratio | 9.7490% | 3,876 |
| Tier 1 risk-based capital ratio | 16.4066% | 2,454 |
| Total risk-based capital ratio | 17.0739% | 2,634 |
| Memoranda: | ||
| Average total assets | $128,697,000 | 3,875 |
| Average earning assets | $121,937,500 | 3,816 |
| Average equity | $12,389,000 | 4,229 |
| Average total loans | $94,891,000 | 3,495 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 3,902 |
| Cost of funding earning assets | 0.2171% | 4,970 |
| Net interest margin | 3.5978% | 3,108 |
| Noninterest income to average assets | 0.5780% | 2,736 |
| Noninterest expense to average assets | 3.9826% | 606 |
| Loan and lease loss provision to assets | 0.1159% | 1,954 |
| Net operating income to assets | -0.1144% | 5,818 |
| Return on assets (ROA) | -0.1144% | 5,837 |
| Pretax return on assets | -0.1144% | 5,835 |
| Return on Equity (ROE) | -1.1978% | 5,848 |
| Retained earnings to average equity (ytd only) | -1.1978% | 5,460 |
| Net charge-offs to loans | 0.3327% | 711 |
| Credit loss provision to net charge-offs | 47.1698% | 2,699 |
| Earnings coverage of net charge-offs (x) | 0.0063% | 3,561 |
| Efficiency ratio | 99.9612% | 243 |
| Assets per employee ($millions) | 2.7139% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5228% | 5,774 |
| Loan loss allowance to noncurrent loans | 11.5157% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 4.4287% | 181 |
| Noncurrent loans to loans | 4.5396% | 222 |
| Net loans and leases to total assets | 72.6529% | 2,060 |
| Net loans and leases to deposits | 80.8055% | 2,842 |
| Net loans and leases to core deposits | 81.3924% | 3,330 |
| Total domestic deposits to total assets | 89.9109% | 524 |
| Equity capital to assets | 9.7363% | 4,526 |
| Core capital (leverage) ratio | 9.4165% | 4,314 |
| Tier 1 risk-based capital ratio | 16.1851% | 2,559 |
| Total risk-based capital ratio | 16.8430% | 2,766 |
| Memoranda: | ||
| Average total assets | $129,414,000 | 3,899 |
| Average earning assets | $122,518,670 | 3,837 |
| Average equity | $12,356,000 | 4,258 |
| Average total loans | $95,572,330 | 3,491 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 3,759 |
| Cost of funding earning assets | 0.2209% | 4,991 |
| Net interest margin | 3.6326% | 2,952 |
| Noninterest income to average assets | 0.4480% | 3,499 |
| Noninterest expense to average assets | 3.9465% | 643 |
| Loan and lease loss provision to assets | 0.0859% | 2,247 |
| Net operating income to assets | -0.1534% | 5,866 |
| Return on assets (ROA) | -0.1534% | 5,884 |
| Pretax return on assets | -0.1534% | 5,878 |
| Return on Equity (ROE) | -1.6228% | 5,893 |
| Retained earnings to average equity (ytd only) | -1.6228% | 5,348 |
| Net charge-offs to loans | 0.5786% | 383 |
| Credit loss provision to net charge-offs | 20.0000% | 2,294 |
| Earnings coverage of net charge-offs (x) | -0.1571% | 2,986 |
| Efficiency ratio | 101.7405% | 252 |
| Assets per employee ($millions) | 2.9367% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4797% | 5,878 |
| Loan loss allowance to noncurrent loans | 11.7813% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 3.9727% | 256 |
| Noncurrent loans to loans | 4.0717% | 294 |
| Net loans and leases to total assets | 72.0574% | 2,026 |
| Net loans and leases to deposits | 79.7825% | 2,822 |
| Net loans and leases to core deposits | 80.3378% | 3,291 |
| Total domestic deposits to total assets | 90.3173% | 491 |
| Equity capital to assets | 9.3422% | 4,850 |
| Core capital (leverage) ratio | 9.5518% | 4,101 |
| Tier 1 risk-based capital ratio | 15.8696% | 2,753 |
| Total risk-based capital ratio | 16.4777% | 2,986 |
| Memoranda: | ||
| Average total assets | $130,344,500 | 3,907 |
| Average earning assets | $123,109,000 | 3,845 |
| Average equity | $12,324,500 | 4,281 |
| Average total loans | $96,779,500 | 3,478 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9607% | 3,466 |
| Cost of funding earning assets | 0.2372% | 4,921 |
| Net interest margin | 3.7234% | 2,663 |
| Noninterest income to average assets | 0.4896% | 3,399 |
| Noninterest expense to average assets | 3.8389% | 824 |
| Loan and lease loss provision to assets | 0.2383% | 808 |
| Net operating income to assets | -0.1104% | 5,928 |
| Return on assets (ROA) | -0.0929% | 5,940 |
| Pretax return on assets | -0.0929% | 5,929 |
| Return on Equity (ROE) | -0.9767% | 5,938 |
| Retained earnings to average equity (ytd only) | -0.9767% | 5,654 |
| Net charge-offs to loans | 0.3193% | 938 |
| Credit loss provision to net charge-offs | 96.3077% | 2,634 |
| Earnings coverage of net charge-offs (x) | 0.5169% | 4,216 |
| Efficiency ratio | 96.7754% | 374 |
| Assets per employee ($millions) | 3.0604% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5834% | 5,816 |
| Loan loss allowance to noncurrent loans | 13.3411% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 4.4633% | 217 |
| Noncurrent loans to loans | 4.3730% | 250 |
| Net loans and leases to total assets | 75.7010% | 1,463 |
| Net loans and leases to deposits | 84.0384% | 2,356 |
| Net loans and leases to core deposits | 84.6400% | 2,921 |
| Total domestic deposits to total assets | 90.0790% | 602 |
| Equity capital to assets | 9.5716% | 4,473 |
| Core capital (leverage) ratio | 9.7257% | 3,874 |
| Tier 1 risk-based capital ratio | 15.8425% | 2,765 |
| Total risk-based capital ratio | 16.5871% | 2,963 |
| Memoranda: | ||
| Average total assets | $131,338,400 | 3,866 |
| Average earning assets | $122,655,800 | 3,826 |
| Average equity | $12,490,800 | 4,221 |
| Average total loans | $101,793,200 | 3,354 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 3,469 |
| Cost of funding earning assets | 0.2416% | 4,977 |
| Net interest margin | 3.7262% | 2,658 |
| Noninterest income to average assets | 0.7735% | 1,911 |
| Noninterest expense to average assets | 3.7998% | 851 |
| Loan and lease loss provision to assets | 0.2908% | 521 |
| Net operating income to assets | 0.1555% | 5,763 |
| Return on assets (ROA) | 0.1676% | 5,796 |
| Pretax return on assets | 0.1676% | 5,828 |
| Return on Equity (ROE) | 1.7653% | 5,722 |
| Retained earnings to average equity (ytd only) | 1.7653% | 4,994 |
| Net charge-offs to loans | 0.3632% | 724 |
| Credit loss provision to net charge-offs | 102.8571% | 2,206 |
| Earnings coverage of net charge-offs (x) | 1.5786% | 3,806 |
| Efficiency ratio | 89.4887% | 732 |
| Assets per employee ($millions) | 2.8813% | 5,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5862% | 5,918 |
| Loan loss allowance to noncurrent loans | 14.3761% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 5.1917% | 181 |
| Noncurrent loans to loans | 4.0776% | 311 |
| Net loans and leases to total assets | 79.0565% | 948 |
| Net loans and leases to deposits | 88.2171% | 1,873 |
| Net loans and leases to core deposits | 89.2549% | 2,532 |
| Total domestic deposits to total assets | 89.6158% | 724 |
| Equity capital to assets | 9.9606% | 4,201 |
| Core capital (leverage) ratio | 9.8815% | 3,794 |
| Tier 1 risk-based capital ratio | 15.6625% | 2,965 |
| Total risk-based capital ratio | 16.4004% | 3,151 |
| Memoranda: | ||
| Average total assets | $132,039,000 | 3,894 |
| Average earning assets | $123,052,500 | 3,860 |
| Average equity | $12,537,750 | 4,260 |
| Average total loans | $102,773,000 | 3,374 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9365% | 3,547 |
| Cost of funding earning assets | 0.2441% | 5,006 |
| Net interest margin | 3.6924% | 2,746 |
| Noninterest income to average assets | 0.8431% | 1,625 |
| Noninterest expense to average assets | 3.7745% | 900 |
| Loan and lease loss provision to assets | 0.3423% | 391 |
| Net operating income to assets | 0.1629% | 5,783 |
| Return on assets (ROA) | 0.1809% | 5,799 |
| Pretax return on assets | 0.1809% | 5,844 |
| Return on Equity (ROE) | 1.9348% | 5,693 |
| Retained earnings to average equity (ytd only) | 1.9348% | 4,728 |
| Net charge-offs to loans | 0.1663% | 1,472 |
| Credit loss provision to net charge-offs | 266.2791% | 1,003 |
| Earnings coverage of net charge-offs (x) | 3.9302% | 3,116 |
| Efficiency ratio | 88.1942% | 898 |
| Assets per employee ($millions) | 2.9353% | 5,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7127% | 5,787 |
| Loan loss allowance to noncurrent loans | 15.5961% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 5.5036% | 181 |
| Noncurrent loans to loans | 4.5700% | 290 |
| Net loans and leases to total assets | 78.3054% | 1,033 |
| Net loans and leases to deposits | 87.0763% | 1,932 |
| Net loans and leases to core deposits | 88.0765% | 2,545 |
| Total domestic deposits to total assets | 89.9274% | 689 |
| Equity capital to assets | 9.7319% | 4,368 |
| Core capital (leverage) ratio | 9.5816% | 4,161 |
| Tier 1 risk-based capital ratio | 15.4786% | 3,116 |
| Total risk-based capital ratio | 16.3800% | 3,223 |
| Memoranda: | ||
| Average total assets | $133,792,330 | 3,894 |
| Average earning assets | $124,526,670 | 3,871 |
| Average equity | $12,507,670 | 4,289 |
| Average total loans | $103,424,670 | 3,374 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9235% | 3,514 |
| Cost of funding earning assets | 0.2498% | 5,025 |
| Net interest margin | 3.6737% | 2,721 |
| Noninterest income to average assets | 0.5669% | 2,854 |
| Noninterest expense to average assets | 3.7390% | 952 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2408% | 5,585 |
| Return on assets (ROA) | 0.2585% | 5,634 |
| Pretax return on assets | 0.2585% | 5,739 |
| Return on Equity (ROE) | 2.8047% | 5,443 |
| Retained earnings to average equity (ytd only) | 2.8047% | 4,282 |
| Net charge-offs to loans | 0.0806% | 1,905 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.9048% | 2,553 |
| Efficiency ratio | 93.9483% | 599 |
| Assets per employee ($millions) | 2.8145% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5500% | 6,118 |
| Loan loss allowance to noncurrent loans | 12.6377% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 5.2703% | 222 |
| Noncurrent loans to loans | 4.3522% | 367 |
| Net loans and leases to total assets | 75.2171% | 1,321 |
| Net loans and leases to deposits | 86.2110% | 1,806 |
| Net loans and leases to core deposits | 86.8127% | 2,457 |
| Total domestic deposits to total assets | 87.2477% | 2,242 |
| Equity capital to assets | 9.3696% | 4,890 |
| Core capital (leverage) ratio | 9.2072% | 4,699 |
| Tier 1 risk-based capital ratio | 15.2904% | 3,270 |
| Total risk-based capital ratio | 15.9971% | 3,505 |
| Memoranda: | ||
| Average total assets | $136,186,000 | 3,877 |
| Average earning assets | $126,520,000 | 3,854 |
| Average equity | $12,550,500 | 4,315 |
| Average total loans | $104,207,500 | 3,369 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 3,156 |
| Cost of funding earning assets | 0.3079% | 4,714 |
| Net interest margin | 3.8349% | 2,493 |
| Noninterest income to average assets | -0.0484% | 6,433 |
| Noninterest expense to average assets | 3.8363% | 937 |
| Loan and lease loss provision to assets | 0.3379% | 575 |
| Net operating income to assets | -0.6862% | 6,336 |
| Return on assets (ROA) | -0.6785% | 6,329 |
| Pretax return on assets | -0.6785% | 6,320 |
| Return on Equity (ROE) | -7.5707% | 6,333 |
| Retained earnings to average equity (ytd only) | -7.5707% | 6,259 |
| Net charge-offs to loans | 0.3944% | 1,084 |
| Credit loss provision to net charge-offs | 113.6792% | 2,093 |
| Earnings coverage of net charge-offs (x) | -1.1722% | 4,806 |
| Efficiency ratio | 109.9879% | 221 |
| Assets per employee ($millions) | 2.8599% | 5,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5497% | 6,203 |
| Loan loss allowance to noncurrent loans | 13.6608% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 5.0745% | 268 |
| Noncurrent loans to loans | 4.0240% | 458 |
| Net loans and leases to total assets | 76.9645% | 1,133 |
| Net loans and leases to deposits | 91.1776% | 1,386 |
| Net loans and leases to core deposits | 92.0274% | 2,082 |
| Total domestic deposits to total assets | 84.4116% | 3,550 |
| Equity capital to assets | 9.0643% | 5,221 |
| Core capital (leverage) ratio | 8.9784% | 5,029 |
| Tier 1 risk-based capital ratio | 14.8038% | 3,601 |
| Total risk-based capital ratio | 15.5164% | 3,849 |
| Memoranda: | ||
| Average total assets | $142,664,600 | 3,746 |
| Average earning assets | $131,556,600 | 3,730 |
| Average equity | $12,786,200 | 4,232 |
| Average total loans | $107,493,400 | 3,276 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 3,029 |
| Cost of funding earning assets | 0.3190% | 4,683 |
| Net interest margin | 3.8704% | 2,353 |
| Noninterest income to average assets | 0.1648% | 5,927 |
| Noninterest expense to average assets | 3.8200% | 946 |
| Loan and lease loss provision to assets | 0.0185% | 4,038 |
| Net operating income to assets | -0.1129% | 6,226 |
| Return on assets (ROA) | -0.1037% | 6,227 |
| Pretax return on assets | -0.1037% | 6,206 |
| Return on Equity (ROE) | -1.1601% | 6,238 |
| Retained earnings to average equity (ytd only) | -1.1601% | 5,983 |
| Net charge-offs to loans | -0.0074% | 5,365 |
| Credit loss provision to net charge-offs | -333.3333% | 5,666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5348% | 317 |
| Assets per employee ($millions) | 3.0807% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5030% | 6,335 |
| Loan loss allowance to noncurrent loans | 62.3025% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 2.8452% | 850 |
| Noncurrent loans to loans | 0.8074% | 3,559 |
| Net loans and leases to total assets | 77.0444% | 1,086 |
| Net loans and leases to deposits | 91.7565% | 1,251 |
| Net loans and leases to core deposits | 92.5868% | 1,988 |
| Total domestic deposits to total assets | 83.9662% | 3,783 |
| Equity capital to assets | 9.2327% | 5,109 |
| Core capital (leverage) ratio | 9.3840% | 4,529 |
| Tier 1 risk-based capital ratio | 15.5607% | 3,278 |
| Total risk-based capital ratio | 16.2272% | 3,529 |
| Memoranda: | ||
| Average total assets | $144,012,000 | 3,761 |
| Average earning assets | $132,488,000 | 3,739 |
| Average equity | $12,872,000 | 4,245 |
| Average total loans | $107,807,500 | 3,288 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,477 |
| Cost of funding earning assets | 0.3341% | 4,597 |
| Net interest margin | 3.7333% | 2,828 |
| Noninterest income to average assets | 0.1464% | 6,086 |
| Noninterest expense to average assets | 3.8293% | 937 |
| Loan and lease loss provision to assets | 0.0069% | 4,099 |
| Net operating income to assets | -0.2625% | 6,352 |
| Return on assets (ROA) | -0.2569% | 6,361 |
| Pretax return on assets | -0.2569% | 6,343 |
| Return on Equity (ROE) | -2.9059% | 6,375 |
| Retained earnings to average equity (ytd only) | -2.9059% | 6,089 |
| Net charge-offs to loans | 0.0019% | 4,331 |
| Credit loss provision to net charge-offs | 500.0000% | 577 |
| Earnings coverage of net charge-offs (x) | -185.0000% | 4,369 |
| Efficiency ratio | 107.1511% | 275 |
| Assets per employee ($millions) | 2.8859% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4912% | 6,420 |
| Loan loss allowance to noncurrent loans | 44.8772% | 5,361 |
| Noncurrent assets plus other real estate owned to assets | 3.6931% | 613 |
| Noncurrent loans to loans | 1.0946% | 3,043 |
| Net loans and leases to total assets | 74.4075% | 1,386 |
| Net loans and leases to deposits | 84.4034% | 1,993 |
| Net loans and leases to core deposits | 87.7353% | 2,336 |
| Total domestic deposits to total assets | 88.1570% | 1,820 |
| Equity capital to assets | 8.9157% | 5,393 |
| Core capital (leverage) ratio | 9.1755% | 4,776 |
| Tier 1 risk-based capital ratio | 15.5474% | 3,336 |
| Total risk-based capital ratio | 16.2088% | 3,603 |
| Memoranda: | ||
| Average total assets | $144,778,330 | 3,764 |
| Average earning assets | $132,911,000 | 3,758 |
| Average equity | $12,801,330 | 4,265 |
| Average total loans | $107,165,330 | 3,304 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0122% | 3,633 |
| Cost of funding earning assets | 0.3374% | 4,670 |
| Net interest margin | 3.6749% | 2,970 |
| Noninterest income to average assets | 0.4055% | 4,145 |
| Noninterest expense to average assets | 3.9498% | 802 |
| Loan and lease loss provision to assets | -0.0607% | 6,459 |
| Net operating income to assets | -0.1186% | 6,298 |
| Return on assets (ROA) | -0.1076% | 6,300 |
| Pretax return on assets | -0.1076% | 6,289 |
| Return on Equity (ROE) | -1.2217% | 6,314 |
| Retained earnings to average equity (ytd only) | -1.2217% | 5,763 |
| Net charge-offs to loans | 0.0225% | 3,125 |
| Credit loss provision to net charge-offs | -366.6667% | 5,105 |
| Earnings coverage of net charge-offs (x) | -10.8333% | 3,606 |
| Efficiency ratio | 104.7549% | 353 |
| Assets per employee ($millions) | 2.7397% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4655% | 6,525 |
| Loan loss allowance to noncurrent loans | 34.8008% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 4.0288% | 578 |
| Noncurrent loans to loans | 1.3377% | 2,804 |
| Net loans and leases to total assets | 73.3277% | 1,382 |
| Net loans and leases to deposits | 80.8526% | 2,181 |
| Net loans and leases to core deposits | 84.0941% | 2,501 |
| Total domestic deposits to total assets | 90.6930% | 689 |
| Equity capital to assets | 8.8201% | 5,309 |
| Core capital (leverage) ratio | 9.2993% | 4,578 |
| Tier 1 risk-based capital ratio | 15.6218% | 3,366 |
| Total risk-based capital ratio | 16.2502% | 3,662 |
| Memoranda: | ||
| Average total assets | $145,019,500 | 3,786 |
| Average earning assets | $132,793,500 | 3,788 |
| Average equity | $12,769,500 | 4,279 |
| Average total loans | $106,799,500 | 3,322 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9187% | 4,394 |
| Cost of funding earning assets | 0.4133% | 4,499 |
| Net interest margin | 3.5054% | 3,880 |
| Noninterest income to average assets | -0.0587% | 6,702 |
| Noninterest expense to average assets | 3.7692% | 1,185 |
| Loan and lease loss provision to assets | 0.0100% | 4,926 |
| Net operating income to assets | -0.6499% | 6,536 |
| Return on assets (ROA) | -0.6499% | 6,541 |
| Pretax return on assets | -0.6499% | 6,524 |
| Return on Equity (ROE) | -7.0058% | 6,535 |
| Retained earnings to average equity (ytd only) | -7.0058% | 6,461 |
| Net charge-offs to loans | 0.0487% | 4,544 |
| Credit loss provision to net charge-offs | 28.8462% | 4,273 |
| Earnings coverage of net charge-offs (x) | -18.4615% | 5,444 |
| Efficiency ratio | 120.4473% | 176 |
| Assets per employee ($millions) | 2.7853% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4933% | 6,579 |
| Loan loss allowance to noncurrent loans | 34.8806% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 4.0839% | 641 |
| Noncurrent loans to loans | 1.4143% | 2,773 |
| Net loans and leases to total assets | 73.2560% | 1,481 |
| Net loans and leases to deposits | 81.5848% | 2,239 |
| Net loans and leases to core deposits | 84.8957% | 2,569 |
| Total domestic deposits to total assets | 89.7912% | 1,183 |
| Equity capital to assets | 8.7906% | 5,270 |
| Core capital (leverage) ratio | 9.2402% | 4,655 |
| Tier 1 risk-based capital ratio | 15.5859% | 3,316 |
| Total risk-based capital ratio | 16.2180% | 3,629 |
| Memoranda: | ||
| Average total assets | $150,030,200 | 3,702 |
| Average earning assets | $136,447,000 | 3,718 |
| Average equity | $13,917,000 | 4,086 |
| Average total loans | $106,773,200 | 3,308 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8590% | 4,644 |
| Cost of funding earning assets | 0.4245% | 4,561 |
| Net interest margin | 3.4346% | 4,146 |
| Noninterest income to average assets | 0.4855% | 3,899 |
| Noninterest expense to average assets | 3.6828% | 1,273 |
| Loan and lease loss provision to assets | 0.0617% | 3,809 |
| Net operating income to assets | -0.1366% | 6,421 |
| Return on assets (ROA) | -0.1366% | 6,449 |
| Pretax return on assets | -0.1366% | 6,430 |
| Return on Equity (ROE) | -1.4540% | 6,451 |
| Retained earnings to average equity (ytd only) | -1.4540% | 6,190 |
| Net charge-offs to loans | 0.0699% | 3,931 |
| Credit loss provision to net charge-offs | 125.0000% | 1,879 |
| Earnings coverage of net charge-offs (x) | -1.5179% | 5,045 |
| Efficiency ratio | 102.0757% | 403 |
| Assets per employee ($millions) | 2.6817% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 6,624 |
| Loan loss allowance to noncurrent loans | 53.3765% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 4.3576% | 697 |
| Noncurrent loans to loans | 1.0089% | 3,787 |
| Net loans and leases to total assets | 72.2559% | 1,561 |
| Net loans and leases to deposits | 80.1183% | 2,393 |
| Net loans and leases to core deposits | 83.4542% | 2,716 |
| Total domestic deposits to total assets | 90.1865% | 901 |
| Equity capital to assets | 9.4033% | 4,671 |
| Core capital (leverage) ratio | 9.5089% | 4,392 |
| Tier 1 risk-based capital ratio | 16.1065% | 3,129 |
| Total risk-based capital ratio | 16.7841% | 3,414 |
| Memoranda: | ||
| Average total assets | $151,328,750 | 3,717 |
| Average earning assets | $137,578,000 | 3,742 |
| Average equity | $14,213,250 | 4,076 |
| Average total loans | $106,809,750 | 3,330 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8206% | 4,759 |
| Cost of funding earning assets | 0.4351% | 4,606 |
| Net interest margin | 3.3855% | 4,243 |
| Noninterest income to average assets | 0.3840% | 4,636 |
| Noninterest expense to average assets | 3.6551% | 1,321 |
| Loan and lease loss provision to assets | 0.0930% | 3,231 |
| Net operating income to assets | -0.2844% | 6,543 |
| Return on assets (ROA) | -0.2844% | 6,576 |
| Pretax return on assets | -0.2844% | 6,548 |
| Return on Equity (ROE) | -3.0290% | 6,579 |
| Retained earnings to average equity (ytd only) | -3.0290% | 6,313 |
| Net charge-offs to loans | 0.0281% | 4,300 |
| Credit loss provision to net charge-offs | 473.3333% | 582 |
| Earnings coverage of net charge-offs (x) | -9.7333% | 4,861 |
| Efficiency ratio | 105.5240% | 355 |
| Assets per employee ($millions) | 2.7375% | 6,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5843% | 6,632 |
| Loan loss allowance to noncurrent loans | 538.2609% | 814 |
| Noncurrent assets plus other real estate owned to assets | 3.5675% | 1,057 |
| Noncurrent loans to loans | 0.1085% | 6,070 |
| Net loans and leases to total assets | 68.7067% | 2,105 |
| Net loans and leases to deposits | 75.8946% | 2,891 |
| Net loans and leases to core deposits | 78.9163% | 3,178 |
| Total domestic deposits to total assets | 90.5291% | 738 |
| Equity capital to assets | 9.0952% | 5,108 |
| Core capital (leverage) ratio | 9.2169% | 4,670 |
| Tier 1 risk-based capital ratio | 15.9247% | 3,240 |
| Total risk-based capital ratio | 16.6444% | 3,499 |
| Memoranda: | ||
| Average total assets | $152,608,000 | 3,724 |
| Average earning assets | $138,826,670 | 3,741 |
| Average equity | $14,328,000 | 4,088 |
| Average total loans | $106,697,000 | 3,345 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8386% | 4,683 |
| Cost of funding earning assets | 0.4509% | 4,583 |
| Net interest margin | 3.3876% | 4,167 |
| Noninterest income to average assets | 0.2837% | 5,431 |
| Noninterest expense to average assets | 3.5886% | 1,441 |
| Loan and lease loss provision to assets | 0.1970% | 1,882 |
| Net operating income to assets | -0.4230% | 6,640 |
| Return on assets (ROA) | -0.4230% | 6,674 |
| Pretax return on assets | -0.4230% | 6,648 |
| Return on Equity (ROE) | -4.4351% | 6,674 |
| Retained earnings to average equity (ytd only) | -4.4351% | 6,317 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7188% | 379 |
| Assets per employee ($millions) | 2.9258% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 6,701 |
| Loan loss allowance to noncurrent loans | 220.7612% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 3.7783% | 1,092 |
| Noncurrent loans to loans | 0.2748% | 5,716 |
| Net loans and leases to total assets | 67.4035% | 2,121 |
| Net loans and leases to deposits | 74.6325% | 2,831 |
| Net loans and leases to core deposits | 78.1099% | 3,048 |
| Total domestic deposits to total assets | 90.3140% | 873 |
| Equity capital to assets | 9.2952% | 5,138 |
| Core capital (leverage) ratio | 9.4698% | 4,135 |
| Tier 1 risk-based capital ratio | 16.2189% | 3,144 |
| Total risk-based capital ratio | 16.9649% | 3,377 |
| Memoranda: | ||
| Average total assets | $152,261,500 | 3,768 |
| Average earning assets | $138,385,500 | 3,787 |
| Average equity | $14,520,500 | 4,088 |
| Average total loans | $107,072,000 | 3,356 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2777% | 4,285 |
| Cost of funding earning assets | 0.5401% | 4,903 |
| Net interest margin | 3.7375% | 3,486 |
| Noninterest income to average assets | 0.2553% | 5,635 |
| Noninterest expense to average assets | 3.5470% | 1,726 |
| Loan and lease loss provision to assets | 0.4222% | 1,507 |
| Net operating income to assets | -0.3003% | 6,440 |
| Return on assets (ROA) | -0.1962% | 6,443 |
| Pretax return on assets | -0.1975% | 6,423 |
| Return on Equity (ROE) | -2.0442% | 6,456 |
| Retained earnings to average equity (ytd only) | -2.0442% | 6,162 |
| Net charge-offs to loans | 1.1973% | 843 |
| Credit loss provision to net charge-offs | 47.2384% | 4,761 |
| Earnings coverage of net charge-offs (x) | 0.1337% | 5,428 |
| Efficiency ratio | 96.7405% | 677 |
| Assets per employee ($millions) | 2.9305% | 6,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5166% | 6,827 |
| Loan loss allowance to noncurrent loans | 299.4681% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 3.9417% | 1,096 |
| Noncurrent loans to loans | 0.1725% | 6,049 |
| Net loans and leases to total assets | 72.5447% | 1,415 |
| Net loans and leases to deposits | 80.7287% | 2,186 |
| Net loans and leases to core deposits | 83.7086% | 2,581 |
| Total domestic deposits to total assets | 89.8624% | 1,032 |
| Equity capital to assets | 9.7870% | 4,468 |
| Core capital (leverage) ratio | 9.7769% | 3,689 |
| Tier 1 risk-based capital ratio | 15.8881% | 3,223 |
| Total risk-based capital ratio | 16.5285% | 3,509 |
| Memoranda: | ||
| Average total assets | $153,961,000 | 3,715 |
| Average earning assets | $140,520,200 | 3,717 |
| Average equity | $14,773,400 | 4,014 |
| Average total loans | $114,927,800 | 3,188 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 4,257 |
| Cost of funding earning assets | 0.5587% | 5,009 |
| Net interest margin | 3.7912% | 3,375 |
| Noninterest income to average assets | 0.1014% | 6,612 |
| Noninterest expense to average assets | 3.5618% | 1,629 |
| Loan and lease loss provision to assets | 0.4522% | 1,380 |
| Net operating income to assets | -0.4391% | 6,667 |
| Return on assets (ROA) | -0.3026% | 6,632 |
| Pretax return on assets | -0.3078% | 6,605 |
| Return on Equity (ROE) | -3.1689% | 6,630 |
| Retained earnings to average equity (ytd only) | -3.1689% | 6,490 |
| Net charge-offs to loans | 1.2427% | 776 |
| Credit loss provision to net charge-offs | 48.4793% | 4,434 |
| Earnings coverage of net charge-offs (x) | 0.0055% | 5,331 |
| Efficiency ratio | 99.8554% | 538 |
| Assets per employee ($millions) | 2.9903% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6496% | 6,810 |
| Loan loss allowance to noncurrent loans | 60.2808% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 4.7406% | 958 |
| Noncurrent loans to loans | 1.0776% | 4,283 |
| Net loans and leases to total assets | 74.6736% | 1,149 |
| Net loans and leases to deposits | 83.2518% | 1,966 |
| Net loans and leases to core deposits | 86.3401% | 2,419 |
| Total domestic deposits to total assets | 89.6961% | 1,013 |
| Equity capital to assets | 9.7916% | 4,796 |
| Core capital (leverage) ratio | 9.5471% | 4,200 |
| Tier 1 risk-based capital ratio | 15.1949% | 3,710 |
| Total risk-based capital ratio | 15.9893% | 3,980 |
| Memoranda: | ||
| Average total assets | $155,087,750 | 3,733 |
| Average earning assets | $141,763,750 | 3,739 |
| Average equity | $14,810,000 | 4,046 |
| Average total loans | $116,413,750 | 3,196 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2665% | 4,700 |
| Cost of funding earning assets | 0.5738% | 5,127 |
| Net interest margin | 3.6927% | 3,859 |
| Noninterest income to average assets | 0.2230% | 5,974 |
| Noninterest expense to average assets | 3.5923% | 1,591 |
| Loan and lease loss provision to assets | 0.3071% | 2,153 |
| Net operating income to assets | -0.2659% | 6,592 |
| Return on assets (ROA) | -0.0854% | 6,529 |
| Pretax return on assets | -0.0930% | 6,519 |
| Return on Equity (ROE) | -0.9013% | 6,534 |
| Retained earnings to average equity (ytd only) | -0.9013% | 6,194 |
| Net charge-offs to loans | 1.0139% | 1,092 |
| Credit loss provision to net charge-offs | 40.3685% | 4,251 |
| Earnings coverage of net charge-offs (x) | 0.0235% | 5,068 |
| Efficiency ratio | 99.5058% | 580 |
| Assets per employee ($millions) | 3.4557% | 5,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 6,676 |
| Loan loss allowance to noncurrent loans | 25.3670% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 5.8312% | 744 |
| Noncurrent loans to loans | 3.1405% | 1,863 |
| Net loans and leases to total assets | 74.7117% | 1,140 |
| Net loans and leases to deposits | 82.8829% | 1,996 |
| Net loans and leases to core deposits | 86.3069% | 2,390 |
| Total domestic deposits to total assets | 90.1413% | 846 |
| Equity capital to assets | 9.5301% | 5,019 |
| Core capital (leverage) ratio | 9.4043% | 4,295 |
| Tier 1 risk-based capital ratio | 15.1371% | 3,673 |
| Total risk-based capital ratio | 16.1214% | 3,808 |
| Memoranda: | ||
| Average total assets | $156,945,000 | 3,717 |
| Average earning assets | $143,959,000 | 3,718 |
| Average equity | $14,866,670 | 4,013 |
| Average total loans | $117,758,670 | 3,186 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 4,835 |
| Cost of funding earning assets | 0.5974% | 5,155 |
| Net interest margin | 3.6756% | 3,939 |
| Noninterest income to average assets | 0.3324% | 5,198 |
| Noninterest expense to average assets | 3.6711% | 1,423 |
| Loan and lease loss provision to assets | 0.3095% | 2,035 |
| Net operating income to assets | -0.2542% | 6,681 |
| Return on assets (ROA) | -0.1725% | 6,662 |
| Pretax return on assets | -0.1877% | 6,654 |
| Return on Equity (ROE) | -1.8267% | 6,672 |
| Retained earnings to average equity (ytd only) | -1.8267% | 6,257 |
| Net charge-offs to loans | 1.8428% | 517 |
| Credit loss provision to net charge-offs | 22.4265% | 3,743 |
| Earnings coverage of net charge-offs (x) | 0.0239% | 4,356 |
| Efficiency ratio | 99.1096% | 584 |
| Assets per employee ($millions) | 3.3375% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 6,836 |
| Loan loss allowance to noncurrent loans | 16.7536% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 5.7609% | 835 |
| Noncurrent loans to loans | 4.3769% | 1,352 |
| Net loans and leases to total assets | 73.2634% | 1,174 |
| Net loans and leases to deposits | 81.0362% | 2,056 |
| Net loans and leases to core deposits | 83.7242% | 2,580 |
| Total domestic deposits to total assets | 90.4082% | 860 |
| Equity capital to assets | 9.2653% | 5,138 |
| Core capital (leverage) ratio | 9.3677% | 4,243 |
| Tier 1 risk-based capital ratio | 14.8761% | 3,839 |
| Total risk-based capital ratio | 15.7760% | 4,039 |
| Memoranda: | ||
| Average total assets | $157,664,000 | 3,728 |
| Average earning assets | $144,630,500 | 3,727 |
| Average equity | $14,890,000 | 4,013 |
| Average total loans | $118,080,500 | 3,196 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 5,409 |
| Cost of funding earning assets | 0.7301% | 5,338 |
| Net interest margin | 3.6741% | 4,418 |
| Noninterest income to average assets | 0.4683% | 4,071 |
| Noninterest expense to average assets | 3.5411% | 1,884 |
| Loan and lease loss provision to assets | 0.3545% | 2,878 |
| Net operating income to assets | 0.0018% | 6,034 |
| Return on assets (ROA) | 0.1323% | 5,912 |
| Pretax return on assets | 0.0819% | 5,996 |
| Return on Equity (ROE) | 1.4730% | 5,844 |
| Retained earnings to average equity (ytd only) | 1.4730% | 5,159 |
| Net charge-offs to loans | 0.9023% | 1,923 |
| Credit loss provision to net charge-offs | 52.5068% | 5,363 |
| Earnings coverage of net charge-offs (x) | 0.4531% | 5,480 |
| Efficiency ratio | 92.0493% | 1,043 |
| Assets per employee ($millions) | 3.3006% | 5,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 5,840 |
| Loan loss allowance to noncurrent loans | 22.6817% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 6.4134% | 739 |
| Noncurrent loans to loans | 4.8191% | 1,200 |
| Net loans and leases to total assets | 75.1876% | 1,063 |
| Net loans and leases to deposits | 83.5084% | 1,984 |
| Net loans and leases to core deposits | 86.2470% | 2,602 |
| Total domestic deposits to total assets | 90.0360% | 977 |
| Equity capital to assets | 9.6288% | 4,702 |
| Core capital (leverage) ratio | 9.5901% | 3,889 |
| Tier 1 risk-based capital ratio | 14.9204% | 3,685 |
| Total risk-based capital ratio | 16.1784% | 3,648 |
| Memoranda: | ||
| Average total assets | $162,489,800 | 3,597 |
| Average earning assets | $149,425,800 | 3,585 |
| Average equity | $14,595,800 | 3,989 |
| Average total loans | $121,582,400 | 3,149 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4701% | 5,343 |
| Cost of funding earning assets | 0.7638% | 5,372 |
| Net interest margin | 3.7063% | 4,308 |
| Noninterest income to average assets | 0.3781% | 4,837 |
| Noninterest expense to average assets | 3.5667% | 1,781 |
| Loan and lease loss provision to assets | 0.4544% | 2,187 |
| Net operating income to assets | -0.2345% | 6,423 |
| Return on assets (ROA) | -0.0665% | 6,337 |
| Pretax return on assets | -0.0617% | 6,292 |
| Return on Equity (ROE) | -0.7535% | 6,345 |
| Retained earnings to average equity (ytd only) | -0.7535% | 6,109 |
| Net charge-offs to loans | 1.1918% | 1,317 |
| Credit loss provision to net charge-offs | 51.1416% | 5,014 |
| Earnings coverage of net charge-offs (x) | 0.2530% | 5,405 |
| Efficiency ratio | 94.0723% | 915 |
| Assets per employee ($millions) | 3.3832% | 5,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0663% | 6,007 |
| Loan loss allowance to noncurrent loans | 33.7302% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 5.1701% | 1,108 |
| Noncurrent loans to loans | 3.1612% | 2,197 |
| Net loans and leases to total assets | 76.0161% | 975 |
| Net loans and leases to deposits | 84.2851% | 1,957 |
| Net loans and leases to core deposits | 87.2059% | 2,602 |
| Total domestic deposits to total assets | 90.1892% | 770 |
| Equity capital to assets | 9.4175% | 5,217 |
| Core capital (leverage) ratio | 9.1774% | 4,664 |
| Tier 1 risk-based capital ratio | 14.2431% | 4,164 |
| Total risk-based capital ratio | 15.5020% | 4,125 |
| Memoranda: | ||
| Average total assets | $164,330,250 | 3,600 |
| Average earning assets | $151,343,500 | 3,580 |
| Average equity | $14,510,500 | 4,029 |
| Average total loans | $122,496,500 | 3,157 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3844% | 5,751 |
| Cost of funding earning assets | 0.8059% | 5,326 |
| Net interest margin | 3.5786% | 4,794 |
| Noninterest income to average assets | 0.5107% | 3,772 |
| Noninterest expense to average assets | 3.6967% | 1,534 |
| Loan and lease loss provision to assets | 0.3612% | 2,625 |
| Net operating income to assets | -0.2511% | 6,517 |
| Return on assets (ROA) | -0.1603% | 6,471 |
| Pretax return on assets | -0.1531% | 6,418 |
| Return on Equity (ROE) | -1.8531% | 6,500 |
| Retained earnings to average equity (ytd only) | -1.8531% | 6,223 |
| Net charge-offs to loans | 1.4190% | 1,067 |
| Credit loss provision to net charge-offs | 34.4749% | 4,921 |
| Earnings coverage of net charge-offs (x) | 0.1119% | 5,207 |
| Efficiency ratio | 96.9269% | 840 |
| Assets per employee ($millions) | 3.4400% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0133% | 6,278 |
| Loan loss allowance to noncurrent loans | 14.2069% | 6,879 |
| Noncurrent assets plus other real estate owned to assets | 7.7419% | 615 |
| Noncurrent loans to loans | 7.1321% | 712 |
| Net loans and leases to total assets | 74.6832% | 1,288 |
| Net loans and leases to deposits | 82.4212% | 2,384 |
| Net loans and leases to core deposits | 85.1092% | 3,055 |
| Total domestic deposits to total assets | 90.6116% | 673 |
| Equity capital to assets | 9.0395% | 5,521 |
| Core capital (leverage) ratio | 8.6465% | 5,312 |
| Tier 1 risk-based capital ratio | 13.3193% | 4,674 |
| Total risk-based capital ratio | 14.4859% | 4,717 |
| Memoranda: | ||
| Average total assets | $167,232,000 | 3,582 |
| Average earning assets | $154,364,000 | 3,556 |
| Average equity | $14,462,000 | 4,021 |
| Average total loans | $123,470,330 | 3,157 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2132% | 6,255 |
| Cost of funding earning assets | 0.8615% | 5,199 |
| Net interest margin | 3.3517% | 5,604 |
| Noninterest income to average assets | 0.4164% | 4,575 |
| Noninterest expense to average assets | 3.4328% | 2,187 |
| Loan and lease loss provision to assets | 0.8588% | 955 |
| Net operating income to assets | -0.7811% | 6,953 |
| Return on assets (ROA) | -0.7811% | 6,962 |
| Pretax return on assets | -0.7811% | 6,910 |
| Return on Equity (ROE) | -9.2315% | 7,002 |
| Retained earnings to average equity (ytd only) | -9.2315% | 6,828 |
| Net charge-offs to loans | 3.5101% | 285 |
| Credit loss provision to net charge-offs | 33.4862% | 4,061 |
| Earnings coverage of net charge-offs (x) | 0.0303% | 4,560 |
| Efficiency ratio | 97.7882% | 843 |
| Assets per employee ($millions) | 3.6774% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8948% | 6,712 |
| Loan loss allowance to noncurrent loans | 12.6708% | 6,967 |
| Noncurrent assets plus other real estate owned to assets | 7.3245% | 700 |
| Noncurrent loans to loans | 7.0619% | 772 |
| Net loans and leases to total assets | 71.0403% | 1,907 |
| Net loans and leases to deposits | 77.8249% | 3,087 |
| Net loans and leases to core deposits | 80.6723% | 3,648 |
| Total domestic deposits to total assets | 91.2822% | 493 |
| Equity capital to assets | 8.4063% | 6,040 |
| Core capital (leverage) ratio | 8.4304% | 5,572 |
| Tier 1 risk-based capital ratio | 12.9953% | 4,828 |
| Total risk-based capital ratio | 14.0101% | 4,986 |
| Memoranda: | ||
| Average total assets | $170,008,500 | 3,557 |
| Average earning assets | $156,933,500 | 3,522 |
| Average equity | $14,385,500 | 4,027 |
| Average total loans | $124,214,000 | 3,175 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8615% | 5,194 |
| Cost of funding earning assets | 1.2308% | 4,351 |
| Net interest margin | 3.6308% | 4,666 |
| Noninterest income to average assets | 0.7596% | 2,487 |
| Noninterest expense to average assets | 3.6754% | 1,761 |
| Loan and lease loss provision to assets | 1.5192% | 972 |
| Net operating income to assets | -1.1246% | 6,751 |
| Return on assets (ROA) | -1.0156% | 6,729 |
| Pretax return on assets | -0.9350% | 6,591 |
| Return on Equity (ROE) | -10.8596% | 6,764 |
| Retained earnings to average equity (ytd only) | -10.8596% | 6,706 |
| Net charge-offs to loans | 1.6158% | 1,343 |
| Credit loss provision to net charge-offs | 114.9260% | 3,772 |
| Earnings coverage of net charge-offs (x) | 0.3595% | 5,745 |
| Efficiency ratio | 88.5510% | 1,437 |
| Assets per employee ($millions) | 3.1640% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 4,408 |
| Loan loss allowance to noncurrent loans | 32.5189% | 6,149 |
| Noncurrent assets plus other real estate owned to assets | 5.6093% | 1,095 |
| Noncurrent loans to loans | 4.3767% | 1,642 |
| Net loans and leases to total assets | 73.3720% | 1,793 |
| Net loans and leases to deposits | 80.4319% | 3,089 |
| Net loans and leases to core deposits | 83.1848% | 3,723 |
| Total domestic deposits to total assets | 91.2225% | 495 |
| Equity capital to assets | 8.5164% | 5,834 |
| Core capital (leverage) ratio | 8.5197% | 5,329 |
| Tier 1 risk-based capital ratio | 12.8953% | 4,689 |
| Total risk-based capital ratio | 14.1610% | 4,650 |
| Memoranda: | ||
| Average total assets | $168,770,800 | 3,565 |
| Average earning assets | $157,625,600 | 3,493 |
| Average equity | $15,783,200 | 3,807 |
| Average total loans | $138,076,000 | 2,985 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 5,160 |
| Cost of funding earning assets | 1.3111% | 4,147 |
| Net interest margin | 3.6110% | 4,823 |
| Noninterest income to average assets | 0.6982% | 2,822 |
| Noninterest expense to average assets | 3.6802% | 1,617 |
| Loan and lease loss provision to assets | 1.1118% | 1,305 |
| Net operating income to assets | -0.7124% | 6,736 |
| Return on assets (ROA) | -0.5801% | 6,700 |
| Pretax return on assets | -0.5785% | 6,604 |
| Return on Equity (ROE) | -6.0653% | 6,721 |
| Retained earnings to average equity (ytd only) | -6.0653% | 6,638 |
| Net charge-offs to loans | 1.6647% | 1,186 |
| Credit loss provision to net charge-offs | 79.8066% | 5,141 |
| Earnings coverage of net charge-offs (x) | 0.2878% | 5,739 |
| Efficiency ratio | 90.1748% | 1,275 |
| Assets per employee ($millions) | 3.1003% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8201% | 6,958 |
| Loan loss allowance to noncurrent loans | 25.5116% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 5.0192% | 1,279 |
| Noncurrent loans to loans | 3.2145% | 2,472 |
| Net loans and leases to total assets | 81.0510% | 613 |
| Net loans and leases to deposits | 89.7791% | 1,753 |
| Net loans and leases to core deposits | 91.2566% | 2,911 |
| Total domestic deposits to total assets | 90.2782% | 737 |
| Equity capital to assets | 9.3998% | 4,983 |
| Core capital (leverage) ratio | 9.2085% | 4,352 |
| Tier 1 risk-based capital ratio | 12.7138% | 4,801 |
| Total risk-based capital ratio | 13.6571% | 5,044 |
| Memoranda: | ||
| Average total assets | $168,249,000 | 3,613 |
| Average earning assets | $157,623,750 | 3,540 |
| Average equity | $16,091,250 | 3,793 |
| Average total loans | $140,802,000 | 2,966 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8906% | 5,434 |
| Cost of funding earning assets | 1.3845% | 3,973 |
| Net interest margin | 3.5061% | 5,224 |
| Noninterest income to average assets | 0.5696% | 3,546 |
| Noninterest expense to average assets | 3.6149% | 1,744 |
| Loan and lease loss provision to assets | 0.8497% | 1,715 |
| Net operating income to assets | -0.5946% | 6,736 |
| Return on assets (ROA) | -0.5447% | 6,725 |
| Pretax return on assets | -0.5423% | 6,617 |
| Return on Equity (ROE) | -5.6634% | 6,755 |
| Retained earnings to average equity (ytd only) | -5.6634% | 6,628 |
| Net charge-offs to loans | 0.8387% | 2,153 |
| Credit loss provision to net charge-offs | 120.1342% | 3,384 |
| Earnings coverage of net charge-offs (x) | 0.3641% | 5,372 |
| Efficiency ratio | 93.3497% | 1,098 |
| Assets per employee ($millions) | 3.1060% | 5,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 5,905 |
| Loan loss allowance to noncurrent loans | 24.4040% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 4.0805% | 1,673 |
| Noncurrent loans to loans | 4.5376% | 1,604 |
| Net loans and leases to total assets | 85.0315% | 287 |
| Net loans and leases to deposits | 94.3659% | 1,228 |
| Net loans and leases to core deposits | 95.5424% | 2,502 |
| Total domestic deposits to total assets | 90.1082% | 867 |
| Equity capital to assets | 9.5829% | 4,579 |
| Core capital (leverage) ratio | 9.3702% | 4,007 |
| Tier 1 risk-based capital ratio | 12.3750% | 4,969 |
| Total risk-based capital ratio | 13.6435% | 4,935 |
| Memoranda: | ||
| Average total assets | $168,526,000 | 3,626 |
| Average earning assets | $158,753,000 | 3,538 |
| Average equity | $16,209,330 | 3,761 |
| Average total loans | $142,130,670 | 2,974 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 4,980 |
| Cost of funding earning assets | 1.4661% | 3,767 |
| Net interest margin | 3.5432% | 4,980 |
| Noninterest income to average assets | 0.5044% | 4,021 |
| Noninterest expense to average assets | 3.5921% | 1,754 |
| Loan and lease loss provision to assets | 1.4018% | 854 |
| Net operating income to assets | -1.1532% | 7,196 |
| Return on assets (ROA) | -1.1532% | 7,211 |
| Pretax return on assets | -1.1532% | 7,123 |
| Return on Equity (ROE) | -11.9674% | 7,212 |
| Retained earnings to average equity (ytd only) | -11.9674% | 7,065 |
| Net charge-offs to loans | 1.2078% | 1,409 |
| Credit loss provision to net charge-offs | 138.9671% | 2,542 |
| Earnings coverage of net charge-offs (x) | 0.2465% | 4,823 |
| Efficiency ratio | 93.5265% | 1,168 |
| Assets per employee ($millions) | 2.7877% | 6,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 5,706 |
| Loan loss allowance to noncurrent loans | 38.7135% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 2.6781% | 2,723 |
| Noncurrent loans to loans | 3.0009% | 2,675 |
| Net loans and leases to total assets | 82.2002% | 570 |
| Net loans and leases to deposits | 91.0298% | 1,755 |
| Net loans and leases to core deposits | 93.0848% | 2,966 |
| Total domestic deposits to total assets | 90.3003% | 831 |
| Equity capital to assets | 9.4274% | 4,645 |
| Core capital (leverage) ratio | 9.3968% | 3,909 |
| Tier 1 risk-based capital ratio | 12.2354% | 4,958 |
| Total risk-based capital ratio | 13.5034% | 4,912 |
| Memoranda: | ||
| Average total assets | $168,926,500 | 3,682 |
| Average earning assets | $159,066,500 | 3,581 |
| Average equity | $16,277,500 | 3,784 |
| Average total loans | $141,088,000 | 3,054 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0850% | 6,147 |
| Cost of funding earning assets | 1.8734% | 3,607 |
| Net interest margin | 3.2116% | 6,049 |
| Noninterest income to average assets | 0.7841% | 2,483 |
| Noninterest expense to average assets | 3.4870% | 2,404 |
| Loan and lease loss provision to assets | 1.8161% | 1,240 |
| Net operating income to assets | -1.7327% | 6,979 |
| Return on assets (ROA) | -1.7361% | 6,988 |
| Pretax return on assets | -1.5207% | 6,717 |
| Return on Equity (ROE) | -16.3586% | 7,007 |
| Retained earnings to average equity (ytd only) | -16.3586% | 6,955 |
| Net charge-offs to loans | 2.2791% | 1,025 |
| Credit loss provision to net charge-offs | 96.9724% | 5,731 |
| Earnings coverage of net charge-offs (x) | 0.1596% | 6,000 |
| Efficiency ratio | 92.1072% | 1,561 |
| Assets per employee ($millions) | 2.7065% | 6,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 6,128 |
| Loan loss allowance to noncurrent loans | 32.7712% | 6,269 |
| Noncurrent assets plus other real estate owned to assets | 2.8706% | 2,445 |
| Noncurrent loans to loans | 3.2020% | 2,386 |
| Net loans and leases to total assets | 82.9988% | 543 |
| Net loans and leases to deposits | 92.3416% | 1,841 |
| Net loans and leases to core deposits | 101.3956% | 3,860 |
| Total domestic deposits to total assets | 89.8824% | 1,022 |
| Equity capital to assets | 9.8471% | 3,948 |
| Core capital (leverage) ratio | 9.5773% | 3,630 |
| Tier 1 risk-based capital ratio | 12.5355% | 4,493 |
| Total risk-based capital ratio | 13.6990% | 4,513 |
| Memoranda: | ||
| Average total assets | $176,369,400 | 3,497 |
| Average earning assets | $164,838,000 | 3,428 |
| Average equity | $18,718,000 | 3,391 |
| Average total loans | $144,922,800 | 3,004 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0859% | 6,316 |
| Cost of funding earning assets | 1.9483% | 3,627 |
| Net interest margin | 3.1377% | 6,210 |
| Noninterest income to average assets | 0.8171% | 2,349 |
| Noninterest expense to average assets | 3.4305% | 2,476 |
| Loan and lease loss provision to assets | 1.8553% | 999 |
| Net operating income to assets | -1.0197% | 6,852 |
| Return on assets (ROA) | -1.0098% | 6,849 |
| Pretax return on assets | -1.5259% | 6,981 |
| Return on Equity (ROE) | -9.3562% | 6,848 |
| Retained earnings to average equity (ytd only) | -9.3562% | 6,750 |
| Net charge-offs to loans | 0.0119% | 6,764 |
| Credit loss provision to net charge-offs | 19,107.6923% | 17 |
| Earnings coverage of net charge-offs (x) | 32.3901% | 880 |
| Efficiency ratio | 91.6035% | 1,569 |
| Assets per employee ($millions) | 2.7400% | 6,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8234% | 772 |
| Loan loss allowance to noncurrent loans | 46.2153% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 5.6593% | 990 |
| Noncurrent loans to loans | 6.1092% | 954 |
| Net loans and leases to total assets | 80.7120% | 1,039 |
| Net loans and leases to deposits | 92.8307% | 2,090 |
| Net loans and leases to core deposits | 102.8252% | 4,071 |
| Total domestic deposits to total assets | 86.9453% | 2,205 |
| Equity capital to assets | 10.6378% | 3,362 |
| Core capital (leverage) ratio | 10.3055% | 2,967 |
| Tier 1 risk-based capital ratio | 13.1866% | 4,060 |
| Total risk-based capital ratio | 16.1822% | 3,008 |
| Memoranda: | ||
| Average total assets | $178,510,250 | 3,489 |
| Average earning assets | $166,572,500 | 3,435 |
| Average equity | $19,266,500 | 3,347 |
| Average total loans | $145,965,000 | 3,018 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2159% | 6,024 |
| Cost of funding earning assets | 2.0564% | 3,494 |
| Net interest margin | 3.1595% | 6,063 |
| Noninterest income to average assets | 0.8976% | 2,002 |
| Noninterest expense to average assets | 3.4055% | 2,611 |
| Loan and lease loss provision to assets | 0.5186% | 2,950 |
| Net operating income to assets | -0.0581% | 5,935 |
| Return on assets (ROA) | -0.0421% | 5,977 |
| Pretax return on assets | -0.0587% | 5,947 |
| Return on Equity (ROE) | -0.3884% | 5,981 |
| Retained earnings to average equity (ytd only) | -0.3884% | 5,321 |
| Net charge-offs to loans | 0.0272% | 6,093 |
| Credit loss provision to net charge-offs | 2,340.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,347 |
| Efficiency ratio | 88.6101% | 1,939 |
| Assets per employee ($millions) | 2.8341% | 6,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4670% | 3,370 |
| Loan loss allowance to noncurrent loans | 84.3750% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 3.6075% | 1,715 |
| Noncurrent loans to loans | 1.7387% | 3,903 |
| Net loans and leases to total assets | 77.4029% | 1,878 |
| Net loans and leases to deposits | 90.3883% | 2,769 |
| Net loans and leases to core deposits | 99.8356% | 4,525 |
| Total domestic deposits to total assets | 85.6337% | 2,946 |
| Equity capital to assets | 11.0712% | 2,855 |
| Core capital (leverage) ratio | 10.7424% | 2,615 |
| Tier 1 risk-based capital ratio | 14.4560% | 3,276 |
| Total risk-based capital ratio | 15.9935% | 3,060 |
| Memoranda: | ||
| Average total assets | $180,473,670 | 3,475 |
| Average earning assets | $168,256,000 | 3,425 |
| Average equity | $19,567,670 | 3,314 |
| Average total loans | $146,829,000 | 3,034 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2261% | 6,202 |
| Cost of funding earning assets | 2.1834% | 3,248 |
| Net interest margin | 3.0427% | 6,363 |
| Noninterest income to average assets | 0.8685% | 1,998 |
| Noninterest expense to average assets | 3.3010% | 2,653 |
| Loan and lease loss provision to assets | 0.2669% | 3,826 |
| Net operating income to assets | 0.0954% | 5,994 |
| Return on assets (ROA) | 0.1094% | 6,117 |
| Pretax return on assets | 0.1728% | 6,006 |
| Return on Equity (ROE) | 1.0191% | 6,120 |
| Retained earnings to average equity (ytd only) | 1.0191% | 5,236 |
| Net charge-offs to loans | 0.0555% | 4,692 |
| Credit loss provision to net charge-offs | 580.9524% | 972 |
| Earnings coverage of net charge-offs (x) | 9.0952% | 2,108 |
| Efficiency ratio | 88.7647% | 1,828 |
| Assets per employee ($millions) | 2.8676% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 5,302 |
| Loan loss allowance to noncurrent loans | 24.3683% | 6,948 |
| Noncurrent assets plus other real estate owned to assets | 4.3917% | 1,109 |
| Noncurrent loans to loans | 4.6104% | 1,228 |
| Net loans and leases to total assets | 81.7457% | 1,055 |
| Net loans and leases to deposits | 95.1645% | 2,085 |
| Net loans and leases to core deposits | 106.1201% | 3,894 |
| Total domestic deposits to total assets | 85.8994% | 2,774 |
| Equity capital to assets | 10.8724% | 3,104 |
| Core capital (leverage) ratio | 10.7051% | 2,736 |
| Tier 1 risk-based capital ratio | 13.9865% | 3,595 |
| Total risk-based capital ratio | 15.2214% | 3,529 |
| Memoranda: | ||
| Average total assets | $182,852,000 | 3,466 |
| Average earning assets | $171,295,000 | 3,404 |
| Average equity | $19,624,500 | 3,317 |
| Average total loans | $151,226,000 | 2,985 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8300% | 6,334 |
| Cost of funding earning assets | 2.6164% | 3,600 |
| Net interest margin | 3.2136% | 6,331 |
| Noninterest income to average assets | 0.3746% | 5,698 |
| Noninterest expense to average assets | 3.0908% | 3,732 |
| Loan and lease loss provision to assets | 0.5309% | 2,692 |
| Net operating income to assets | 0.0204% | 6,315 |
| Return on assets (ROA) | 0.0477% | 6,096 |
| Pretax return on assets | -0.2039% | 6,374 |
| Return on Equity (ROE) | 0.4455% | 6,098 |
| Retained earnings to average equity (ytd only) | 0.4455% | 4,981 |
| Net charge-offs to loans | 0.3646% | 3,013 |
| Credit loss provision to net charge-offs | 180.4143% | 2,792 |
| Earnings coverage of net charge-offs (x) | 0.9661% | 5,649 |
| Efficiency ratio | 91.5764% | 1,406 |
| Assets per employee ($millions) | 2.9846% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 5,774 |
| Loan loss allowance to noncurrent loans | 76.7770% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.6753% | 2,903 |
| Noncurrent loans to loans | 1.3417% | 3,834 |
| Net loans and leases to total assets | 81.8806% | 1,250 |
| Net loans and leases to deposits | 97.8349% | 2,149 |
| Net loans and leases to core deposits | 109.3039% | 3,825 |
| Total domestic deposits to total assets | 83.6926% | 3,482 |
| Equity capital to assets | 10.5958% | 3,396 |
| Core capital (leverage) ratio | 10.5108% | 2,970 |
| Tier 1 risk-based capital ratio | 13.4158% | 3,866 |
| Total risk-based capital ratio | 14.5337% | 3,855 |
| Memoranda: | ||
| Average total assets | $180,438,200 | 3,401 |
| Average earning assets | $168,473,600 | 3,356 |
| Average equity | $19,305,400 | 3,345 |
| Average total loans | $145,652,000 | 2,997 |