Home > SmartBiz Bank > Performance and Condition Ratios
SmartBiz Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 3 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3545% | 4,464 |
| Cost of funding earning assets | 0.6213% | 4,237 |
| Net interest margin | 0.7332% | 4,417 |
| Noninterest income to average assets | 1.9300% | 269 |
| Noninterest expense to average assets | 4.2105% | 338 |
| Loan and lease loss provision to assets | 2.3900% | 29 |
| Net operating income to assets | -4.0314% | 4,425 |
| Return on assets (ROA) | -4.0365% | 4,464 |
| Pretax return on assets | -4.0365% | 4,463 |
| Return on Equity (ROE) | -22.8100% | 4,432 |
| Retained earnings to average equity (ytd only) | -22.8138% | 4,403 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 163.8446% | 69 |
| Assets per employee ($millions) | 1.2661% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4470% | 1,159 |
| Loan loss allowance to noncurrent loans | 69.1892% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 1.5505% | 380 |
| Noncurrent loans to loans | 2.0914% | 405 |
| Net loans and leases to total assets | 63.5600% | 2,546 |
| Net loans and leases to deposits | 83.6398% | 1,721 |
| Net loans and leases to core deposits | 108.3577% | 921 |
| Total domestic deposits to total assets | 75.9900% | 3,978 |
| Equity capital to assets | 20.9331% | 255 |
| Core capital (leverage) ratio | 14.1054% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5376% | 819 |
| Memoranda: | ||
| Average total assets | $156,372,000 | 3,328 |
| Average earning assets | $135,840,500 | 3,378 |
| Average equity | $27,667,500 | 2,556 |
| Average total loans | $106,820,000 | 3,154 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4146% | 252 |
| Cost of funding earning assets | 3.4691% | 201 |
| Net interest margin | 3.9454% | 1,274 |
| Noninterest income to average assets | 0.6100% | 1,475 |
| Noninterest expense to average assets | 3.8890% | 405 |
| Loan and lease loss provision to assets | -0.2500% | 4,433 |
| Net operating income to assets | 0.3571% | 3,753 |
| Return on assets (ROA) | 0.3508% | 3,792 |
| Pretax return on assets | 0.4905% | 3,668 |
| Return on Equity (ROE) | 2.5700% | 3,928 |
| Retained earnings to average equity (ytd only) | 2.5699% | 3,198 |
| Net charge-offs to loans | -0.0769% | 4,403 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 93.9994% | 388 |
| Assets per employee ($millions) | 5.2910% | 3,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,053 |
| Loan loss allowance to noncurrent loans | 155.2009% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 863 |
| Noncurrent loans to loans | 0.7871% | 1,252 |
| Net loans and leases to total assets | 71.6700% | 1,707 |
| Net loans and leases to deposits | 86.2000% | 1,576 |
| Net loans and leases to core deposits | 112.5712% | 831 |
| Total domestic deposits to total assets | 83.1400% | 2,996 |
| Equity capital to assets | 14.0940% | 664 |
| Core capital (leverage) ratio | 12.6322% | 1,183 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6318% | 946 |
| Memoranda: | ||
| Average total assets | $150,243,800 | 3,360 |
| Average earning assets | $134,154,800 | 3,395 |
| Average equity | $20,506,800 | 2,941 |
| Average total loans | $104,024,600 | 3,173 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4089% | 257 |
| Cost of funding earning assets | 3.4498% | 220 |
| Net interest margin | 3.9591% | 1,213 |
| Noninterest income to average assets | 0.6900% | 1,169 |
| Noninterest expense to average assets | 3.8106% | 423 |
| Loan and lease loss provision to assets | -0.1300% | 4,418 |
| Net operating income to assets | 0.3891% | 3,699 |
| Return on assets (ROA) | 0.4024% | 3,704 |
| Pretax return on assets | 0.5624% | 3,538 |
| Return on Equity (ROE) | 2.9700% | 3,892 |
| Retained earnings to average equity (ytd only) | 2.9718% | 3,190 |
| Net charge-offs to loans | 0.1499% | 741 |
| Credit loss provision to net charge-offs | -133.6207% | 4,410 |
| Earnings coverage of net charge-offs (x) | 4.0259% | 2,476 |
| Efficiency ratio | 90.2219% | 526 |
| Assets per employee ($millions) | 5.4083% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 1,829 |
| Loan loss allowance to noncurrent loans | 132.6653% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 714 |
| Noncurrent loans to loans | 0.9613% | 1,045 |
| Net loans and leases to total assets | 67.6800% | 2,125 |
| Net loans and leases to deposits | 83.3671% | 1,860 |
| Net loans and leases to core deposits | 106.0828% | 1,134 |
| Total domestic deposits to total assets | 81.1900% | 3,267 |
| Equity capital to assets | 13.8609% | 763 |
| Core capital (leverage) ratio | 12.6633% | 1,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9028% | 937 |
| Memoranda: | ||
| Average total assets | $150,767,750 | 3,356 |
| Average earning assets | $134,573,250 | 3,396 |
| Average equity | $20,413,500 | 2,939 |
| Average total loans | $103,158,500 | 3,183 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2661% | 283 |
| Cost of funding earning assets | 3.3897% | 221 |
| Net interest margin | 3.8763% | 1,304 |
| Noninterest income to average assets | 0.6800% | 1,149 |
| Noninterest expense to average assets | 4.0865% | 347 |
| Loan and lease loss provision to assets | -0.0800% | 4,378 |
| Net operating income to assets | 0.1010% | 4,121 |
| Return on assets (ROA) | 0.0864% | 4,168 |
| Pretax return on assets | 0.1182% | 4,140 |
| Return on Equity (ROE) | 0.6400% | 4,180 |
| Retained earnings to average equity (ytd only) | 0.6429% | 3,684 |
| Net charge-offs to loans | 0.0505% | 1,284 |
| Credit loss provision to net charge-offs | -211.5385% | 4,457 |
| Earnings coverage of net charge-offs (x) | 1.6538% | 2,453 |
| Efficiency ratio | 98.6214% | 318 |
| Assets per employee ($millions) | 5.2180% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 1,112 |
| Loan loss allowance to noncurrent loans | 80.9193% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 1.5811% | 309 |
| Noncurrent loans to loans | 1.8364% | 420 |
| Net loans and leases to total assets | 68.7000% | 2,048 |
| Net loans and leases to deposits | 85.2922% | 1,728 |
| Net loans and leases to core deposits | 117.4356% | 707 |
| Total domestic deposits to total assets | 80.5500% | 3,355 |
| Equity capital to assets | 13.8724% | 699 |
| Core capital (leverage) ratio | 12.4733% | 1,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4015% | 1,018 |
| Memoranda: | ||
| Average total assets | $150,546,000 | 3,364 |
| Average earning assets | $134,405,333 | 3,406 |
| Average equity | $20,221,333 | 2,926 |
| Average total loans | $102,938,667 | 3,184 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3184% | 253 |
| Cost of funding earning assets | 3.3942% | 196 |
| Net interest margin | 3.9243% | 1,186 |
| Noninterest income to average assets | 0.6700% | 1,122 |
| Noninterest expense to average assets | 4.0951% | 339 |
| Loan and lease loss provision to assets | 0.0200% | 2,205 |
| Net operating income to assets | 0.0463% | 4,180 |
| Return on assets (ROA) | 0.0236% | 4,243 |
| Pretax return on assets | 0.0340% | 4,219 |
| Return on Equity (ROE) | 0.1800% | 4,237 |
| Retained earnings to average equity (ytd only) | 0.1782% | 3,662 |
| Net charge-offs to loans | 0.1044% | 706 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1.1481% | 2,070 |
| Efficiency ratio | 98.0564% | 336 |
| Assets per employee ($millions) | 5.1917% | 3,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 943 |
| Loan loss allowance to noncurrent loans | 77.6733% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6333% | 255 |
| Noncurrent loans to loans | 1.9985% | 328 |
| Net loans and leases to total assets | 66.0900% | 2,228 |
| Net loans and leases to deposits | 81.8375% | 1,903 |
| Net loans and leases to core deposits | 115.7166% | 757 |
| Total domestic deposits to total assets | 80.7600% | 3,418 |
| Equity capital to assets | 13.4154% | 773 |
| Core capital (leverage) ratio | 12.2903% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5096% | 1,000 |
| Memoranda: | ||
| Average total assets | $152,767,500 | 3,355 |
| Average earning assets | $136,586,500 | 3,399 |
| Average equity | $20,198,000 | 2,938 |
| Average total loans | $103,465,500 | 3,179 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2686% | 184 |
| Cost of funding earning assets | 2.3794% | 479 |
| Net interest margin | 4.8892% | 368 |
| Noninterest income to average assets | 0.9200% | 737 |
| Noninterest expense to average assets | 4.9790% | 230 |
| Loan and lease loss provision to assets | 0.2800% | 387 |
| Net operating income to assets | 0.2026% | 4,162 |
| Return on assets (ROA) | 0.2093% | 4,169 |
| Pretax return on assets | 0.0074% | 4,333 |
| Return on Equity (ROE) | 1.5600% | 4,203 |
| Retained earnings to average equity (ytd only) | 1.5602% | 3,695 |
| Net charge-offs to loans | 0.4811% | 215 |
| Credit loss provision to net charge-offs | 84.2975% | 1,993 |
| Earnings coverage of net charge-offs (x) | 0.8574% | 2,791 |
| Efficiency ratio | 94.6890% | 287 |
| Assets per employee ($millions) | 5.7399% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5068% | 1,031 |
| Loan loss allowance to noncurrent loans | 65.5031% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 1.8545% | 166 |
| Noncurrent loans to loans | 2.3003% | 225 |
| Net loans and leases to total assets | 67.2700% | 2,121 |
| Net loans and leases to deposits | 81.8412% | 1,961 |
| Net loans and leases to core deposits | 114.5450% | 795 |
| Total domestic deposits to total assets | 82.2000% | 3,092 |
| Equity capital to assets | 13.0329% | 857 |
| Core capital (leverage) ratio | 12.0737% | 1,379 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9547% | 1,085 |
| Memoranda: | ||
| Average total assets | $148,604,000 | 3,376 |
| Average earning assets | $131,964,200 | 3,431 |
| Average equity | $19,933,000 | 2,862 |
| Average total loans | $100,610,600 | 3,167 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1434% | 160 |
| Cost of funding earning assets | 1.7622% | 796 |
| Net interest margin | 5.3811% | 193 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 4.2319% | 304 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.0898% | 2,150 |
| Return on assets (ROA) | 1.0816% | 2,166 |
| Pretax return on assets | 0.9325% | 3,092 |
| Return on Equity (ROE) | 7.8900% | 3,265 |
| Retained earnings to average equity (ytd only) | 7.8915% | 1,997 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.1910% | 769 |
| Assets per employee ($millions) | 4.8568% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 827 |
| Loan loss allowance to noncurrent loans | 72.5793% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 2.4701% | 100 |
| Noncurrent loans to loans | 2.2811% | 216 |
| Net loans and leases to total assets | 69.0600% | 1,845 |
| Net loans and leases to deposits | 82.9619% | 1,765 |
| Net loans and leases to core deposits | 109.6441% | 839 |
| Total domestic deposits to total assets | 83.2500% | 2,991 |
| Equity capital to assets | 13.9378% | 657 |
| Core capital (leverage) ratio | 13.1872% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7750% | 995 |
| Memoranda: | ||
| Average total assets | $146,270,333 | 3,414 |
| Average earning assets | $129,267,000 | 3,470 |
| Average equity | $20,047,000 | 2,862 |
| Average total loans | $98,278,000 | 3,195 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1431% | 108 |
| Cost of funding earning assets | 1.4262% | 980 |
| Net interest margin | 5.7169% | 118 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 4.2797% | 308 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.6376% | 925 |
| Return on assets (ROA) | 1.6677% | 873 |
| Pretax return on assets | 1.1764% | 2,490 |
| Return on Equity (ROE) | 12.2700% | 2,150 |
| Retained earnings to average equity (ytd only) | 12.2712% | 1,219 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.9712% | 1,008 |
| Assets per employee ($millions) | 4.9423% | 3,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 714 |
| Loan loss allowance to noncurrent loans | 51.9791% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 2.7824% | 65 |
| Noncurrent loans to loans | 3.3806% | 121 |
| Net loans and leases to total assets | 66.0800% | 2,050 |
| Net loans and leases to deposits | 79.2993% | 1,870 |
| Net loans and leases to core deposits | 98.3611% | 1,159 |
| Total domestic deposits to total assets | 83.3300% | 3,234 |
| Equity capital to assets | 14.1745% | 575 |
| Core capital (leverage) ratio | 12.8809% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3721% | 934 |
| Memoranda: | ||
| Average total assets | $146,553,000 | 3,457 |
| Average earning assets | $130,140,000 | 3,503 |
| Average equity | $19,916,500 | 2,900 |
| Average total loans | $96,256,500 | 3,251 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4126% | 173 |
| Cost of funding earning assets | 0.4642% | 1,623 |
| Net interest margin | 4.9484% | 149 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 3.5982% | 451 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.0706% | 2,299 |
| Return on assets (ROA) | 1.0226% | 2,429 |
| Pretax return on assets | 1.4303% | 1,686 |
| Return on Equity (ROE) | 8.4000% | 3,281 |
| Retained earnings to average equity (ytd only) | 8.0859% | 1,795 |
| Net charge-offs to loans | 0.1986% | 414 |
| Credit loss provision to net charge-offs | 130.8901% | 1,402 |
| Earnings coverage of net charge-offs (x) | 13.6597% | 2,060 |
| Efficiency ratio | 68.5738% | 1,894 |
| Assets per employee ($millions) | 4.9926% | 3,687 |
| Cash dividends to net income (ytd only)* | 3.7083% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8062% | 652 |
| Loan loss allowance to noncurrent loans | 64.6796% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 2.1245% | 113 |
| Noncurrent loans to loans | 2.7926% | 156 |
| Net loans and leases to total assets | 63.0100% | 2,329 |
| Net loans and leases to deposits | 74.5523% | 2,211 |
| Net loans and leases to core deposits | 89.3974% | 1,538 |
| Total domestic deposits to total assets | 84.5200% | 3,099 |
| Equity capital to assets | 13.0306% | 700 |
| Core capital (leverage) ratio | 12.0531% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3739% | 914 |
| Memoranda: | ||
| Average total assets | $158,217,000 | 3,367 |
| Average earning assets | $139,601,000 | 3,420 |
| Average equity | $19,268,200 | 3,012 |
| Average total loans | $96,194,400 | 3,202 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0413% | 201 |
| Cost of funding earning assets | 0.3024% | 2,136 |
| Net interest margin | 4.7389% | 160 |
| Noninterest income to average assets | 1.0000% | 662 |
| Noninterest expense to average assets | 3.5202% | 480 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.0801% | 2,172 |
| Return on assets (ROA) | 1.0046% | 2,433 |
| Pretax return on assets | 1.4054% | 1,698 |
| Return on Equity (ROE) | 8.3900% | 3,201 |
| Retained earnings to average equity (ytd only) | 8.3861% | 1,858 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.0219% | 2,023 |
| Assets per employee ($millions) | 5.0888% | 3,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0034% | 502 |
| Loan loss allowance to noncurrent loans | 54.0650% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 2.5822% | 77 |
| Noncurrent loans to loans | 3.7055% | 108 |
| Net loans and leases to total assets | 59.6600% | 2,537 |
| Net loans and leases to deposits | 69.7632% | 2,386 |
| Net loans and leases to core deposits | 81.8925% | 1,769 |
| Total domestic deposits to total assets | 85.5200% | 3,170 |
| Equity capital to assets | 12.4162% | 795 |
| Core capital (leverage) ratio | 10.8543% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8354% | 1,022 |
| Memoranda: | ||
| Average total assets | $160,326,750 | 3,364 |
| Average earning assets | $141,098,500 | 3,435 |
| Average equity | $19,206,000 | 3,059 |
| Average total loans | $96,215,250 | 3,221 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5565% | 343 |
| Cost of funding earning assets | 0.2081% | 2,807 |
| Net interest margin | 4.3484% | 252 |
| Noninterest income to average assets | 0.8092% | 1,019 |
| Noninterest expense to average assets | 3.6702% | 366 |
| Loan and lease loss provision to assets | 0.0491% | 1,698 |
| Net operating income to assets | 0.6753% | 3,392 |
| Return on assets (ROA) | 0.6753% | 3,343 |
| Pretax return on assets | 0.9381% | 2,936 |
| Return on Equity (ROE) | 5.7025% | 3,653 |
| Retained earnings to average equity (ytd only) | 5.7025% | 2,433 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8031% | 1,032 |
| Assets per employee ($millions) | 5.6544% | 3,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8305% | 772 |
| Loan loss allowance to noncurrent loans | 95.1774% | 3,419 |
| Noncurrent assets plus other real estate owned to assets | 1.4039% | 264 |
| Noncurrent loans to loans | 1.9232% | 340 |
| Net loans and leases to total assets | 56.1573% | 2,738 |
| Net loans and leases to deposits | 64.8212% | 2,657 |
| Net loans and leases to core deposits | 74.8969% | 2,103 |
| Total domestic deposits to total assets | 86.6341% | 3,065 |
| Equity capital to assets | 11.4772% | 1,038 |
| Core capital (leverage) ratio | 10.0882% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4290% | 1,091 |
| Memoranda: | ||
| Average total assets | $162,881,333 | 3,385 |
| Average earning assets | $144,145,333 | 3,458 |
| Average equity | $19,289,667 | 3,126 |
| Average total loans | $97,306,333 | 3,224 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3359% | 416 |
| Cost of funding earning assets | 0.1923% | 2,909 |
| Net interest margin | 4.1437% | 313 |
| Noninterest income to average assets | 1.0251% | 654 |
| Noninterest expense to average assets | 3.7799% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6505% | 3,226 |
| Return on assets (ROA) | 0.6505% | 3,205 |
| Pretax return on assets | 0.9092% | 2,742 |
| Return on Equity (ROE) | 5.4086% | 3,512 |
| Retained earnings to average equity (ytd only) | 5.4086% | 2,442 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6096% | 1,099 |
| Assets per employee ($millions) | 6.1283% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7780% | 913 |
| Loan loss allowance to noncurrent loans | 75.6087% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.8620% | 165 |
| Noncurrent loans to loans | 2.3515% | 272 |
| Net loans and leases to total assets | 55.9908% | 2,525 |
| Net loans and leases to deposits | 64.3263% | 2,500 |
| Net loans and leases to core deposits | 73.0712% | 2,014 |
| Total domestic deposits to total assets | 87.0418% | 2,911 |
| Equity capital to assets | 11.7090% | 1,059 |
| Core capital (leverage) ratio | 10.7529% | 1,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6281% | 1,118 |
| Memoranda: | ||
| Average total assets | $162,333,500 | 3,404 |
| Average earning assets | $143,544,500 | 3,476 |
| Average equity | $19,524,500 | 3,184 |
| Average total loans | $99,058,500 | 3,202 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6490% | 461 |
| Cost of funding earning assets | 0.3379% | 2,043 |
| Net interest margin | 4.3111% | 396 |
| Noninterest income to average assets | 0.8213% | 1,401 |
| Noninterest expense to average assets | 3.5194% | 460 |
| Loan and lease loss provision to assets | 0.0215% | 2,643 |
| Net operating income to assets | 0.7967% | 3,344 |
| Return on assets (ROA) | 0.7967% | 3,412 |
| Pretax return on assets | 1.1145% | 2,914 |
| Return on Equity (ROE) | 6.7621% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.7621% | 2,015 |
| Net charge-offs to loans | 0.0145% | 2,027 |
| Credit loss provision to net charge-offs | 218.7500% | 1,259 |
| Earnings coverage of net charge-offs (x) | 115.7500% | 806 |
| Efficiency ratio | 75.5995% | 1,138 |
| Assets per employee ($millions) | 5.4898% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6157% | 1,220 |
| Loan loss allowance to noncurrent loans | 89.2971% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.7217% | 218 |
| Noncurrent loans to loans | 1.8093% | 464 |
| Net loans and leases to total assets | 64.1435% | 1,683 |
| Net loans and leases to deposits | 75.0130% | 1,638 |
| Net loans and leases to core deposits | 90.5672% | 948 |
| Total domestic deposits to total assets | 85.5098% | 3,089 |
| Equity capital to assets | 12.3584% | 1,104 |
| Core capital (leverage) ratio | 10.6768% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6111% | 1,359 |
| Memoranda: | ||
| Average total assets | $163,039,200 | 3,367 |
| Average earning assets | $144,998,800 | 3,425 |
| Average equity | $19,210,000 | 3,282 |
| Average total loans | $110,530,800 | 3,073 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 480 |
| Cost of funding earning assets | 0.3695% | 1,942 |
| Net interest margin | 4.3448% | 411 |
| Noninterest income to average assets | 0.8553% | 1,366 |
| Noninterest expense to average assets | 3.5918% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8049% | 3,515 |
| Return on assets (ROA) | 0.8049% | 3,587 |
| Pretax return on assets | 1.1252% | 3,142 |
| Return on Equity (ROE) | 6.9131% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.9131% | 2,453 |
| Net charge-offs to loans | 0.0190% | 1,673 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 86.5000% | 938 |
| Efficiency ratio | 76.1462% | 1,027 |
| Assets per employee ($millions) | 5.6718% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 1,355 |
| Loan loss allowance to noncurrent loans | 89.5311% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.6983% | 258 |
| Noncurrent loans to loans | 1.7800% | 546 |
| Net loans and leases to total assets | 63.8461% | 1,790 |
| Net loans and leases to deposits | 77.5219% | 1,522 |
| Net loans and leases to core deposits | 93.6899% | 838 |
| Total domestic deposits to total assets | 82.3588% | 3,851 |
| Equity capital to assets | 12.2650% | 1,278 |
| Core capital (leverage) ratio | 10.3802% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5401% | 1,240 |
| Memoranda: | ||
| Average total assets | $163,998,000 | 3,390 |
| Average earning assets | $145,765,750 | 3,452 |
| Average equity | $19,093,750 | 3,337 |
| Average total loans | $112,214,500 | 3,082 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 487 |
| Cost of funding earning assets | 0.4098% | 1,805 |
| Net interest margin | 4.3572% | 448 |
| Noninterest income to average assets | 0.7917% | 1,563 |
| Noninterest expense to average assets | 3.3416% | 584 |
| Loan and lease loss provision to assets | 0.0724% | 1,619 |
| Net operating income to assets | 0.8858% | 3,263 |
| Return on assets (ROA) | 0.8858% | 3,337 |
| Pretax return on assets | 1.2394% | 2,803 |
| Return on Equity (ROE) | 7.7403% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.7403% | 2,176 |
| Net charge-offs to loans | 0.0278% | 1,394 |
| Credit loss provision to net charge-offs | 375.0000% | 785 |
| Earnings coverage of net charge-offs (x) | 67.9375% | 913 |
| Efficiency ratio | 71.8102% | 1,453 |
| Assets per employee ($millions) | 5.2018% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 1,645 |
| Loan loss allowance to noncurrent loans | 97.5358% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 1.9013% | 231 |
| Noncurrent loans to loans | 1.5219% | 744 |
| Net loans and leases to total assets | 70.0489% | 1,195 |
| Net loans and leases to deposits | 82.3771% | 1,190 |
| Net loans and leases to core deposits | 100.7627% | 638 |
| Total domestic deposits to total assets | 85.0344% | 3,081 |
| Equity capital to assets | 11.9475% | 1,387 |
| Core capital (leverage) ratio | 10.0063% | 2,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5604% | 1,454 |
| Memoranda: | ||
| Average total assets | $165,727,333 | 3,378 |
| Average earning assets | $146,883,333 | 3,452 |
| Average equity | $18,965,667 | 3,341 |
| Average total loans | $115,274,000 | 3,050 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9249% | 397 |
| Cost of funding earning assets | 0.4790% | 1,526 |
| Net interest margin | 4.4458% | 395 |
| Noninterest income to average assets | 0.9764% | 1,173 |
| Noninterest expense to average assets | 3.2460% | 656 |
| Loan and lease loss provision to assets | 0.1429% | 930 |
| Net operating income to assets | 1.0883% | 2,516 |
| Return on assets (ROA) | 1.0883% | 2,589 |
| Pretax return on assets | 1.5218% | 1,939 |
| Return on Equity (ROE) | 9.7154% | 2,781 |
| Retained earnings to average equity (ytd only) | 9.7154% | 1,736 |
| Net charge-offs to loans | 0.0554% | 955 |
| Credit loss provision to net charge-offs | 375.0000% | 674 |
| Earnings coverage of net charge-offs (x) | 43.6875% | 952 |
| Efficiency ratio | 66.1009% | 2,217 |
| Assets per employee ($millions) | 6.0422% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,727 |
| Loan loss allowance to noncurrent loans | 99.4159% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.7401% | 326 |
| Noncurrent loans to loans | 1.4725% | 854 |
| Net loans and leases to total assets | 67.7156% | 1,563 |
| Net loans and leases to deposits | 80.2137% | 1,500 |
| Net loans and leases to core deposits | 97.2372% | 834 |
| Total domestic deposits to total assets | 84.4191% | 3,309 |
| Equity capital to assets | 11.2323% | 1,695 |
| Core capital (leverage) ratio | 9.6883% | 2,833 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9506% | 1,300 |
| Memoranda: | ||
| Average total assets | $167,963,000 | 3,356 |
| Average earning assets | $148,633,500 | 3,433 |
| Average equity | $18,815,500 | 3,347 |
| Average total loans | $115,581,000 | 3,059 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3004% | 263 |
| Cost of funding earning assets | 1.1255% | 363 |
| Net interest margin | 4.1749% | 680 |
| Noninterest income to average assets | 1.3625% | 630 |
| Noninterest expense to average assets | 3.3154% | 888 |
| Loan and lease loss provision to assets | 0.2481% | 1,554 |
| Net operating income to assets | 0.9910% | 2,327 |
| Return on assets (ROA) | 0.9910% | 2,469 |
| Pretax return on assets | 1.4125% | 1,618 |
| Return on Equity (ROE) | 8.5686% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.5686% | 887 |
| Net charge-offs to loans | -0.0906% | 4,792 |
| Credit loss provision to net charge-offs | -378.2178% | 3,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6275% | 2,422 |
| Assets per employee ($millions) | 5.5582% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9092% | 705 |
| Loan loss allowance to noncurrent loans | 91.4523% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 2.1842% | 243 |
| Noncurrent loans to loans | 2.0876% | 534 |
| Net loans and leases to total assets | 67.9121% | 1,838 |
| Net loans and leases to deposits | 87.6538% | 1,125 |
| Net loans and leases to core deposits | 110.3306% | 498 |
| Total domestic deposits to total assets | 77.4776% | 4,368 |
| Equity capital to assets | 11.1715% | 2,120 |
| Core capital (leverage) ratio | 9.8325% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9276% | 1,880 |
| Memoranda: | ||
| Average total assets | $153,978,200 | 3,355 |
| Average earning assets | $133,273,200 | 3,468 |
| Average equity | $17,809,200 | 3,388 |
| Average total loans | $111,502,400 | 3,078 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3347% | 323 |
| Cost of funding earning assets | 1.2923% | 252 |
| Net interest margin | 4.0425% | 1,029 |
| Noninterest income to average assets | 1.6120% | 458 |
| Noninterest expense to average assets | 3.1744% | 1,112 |
| Loan and lease loss provision to assets | 0.3389% | 1,140 |
| Net operating income to assets | 1.1407% | 1,850 |
| Return on assets (ROA) | 1.1407% | 1,965 |
| Pretax return on assets | 1.5952% | 1,196 |
| Return on Equity (ROE) | 9.7700% | 2,105 |
| Retained earnings to average equity (ytd only) | 9.7700% | 813 |
| Net charge-offs to loans | 0.0205% | 2,445 |
| Credit loss provision to net charge-offs | 2,252.9412% | 428 |
| Earnings coverage of net charge-offs (x) | 128.6471% | 665 |
| Efficiency ratio | 62.1430% | 3,050 |
| Assets per employee ($millions) | 5.8730% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6750% | 934 |
| Loan loss allowance to noncurrent loans | 95.4712% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 4.8193% | 56 |
| Noncurrent loans to loans | 1.7544% | 766 |
| Net loans and leases to total assets | 74.5001% | 1,309 |
| Net loans and leases to deposits | 97.5297% | 656 |
| Net loans and leases to core deposits | 126.0803% | 302 |
| Total domestic deposits to total assets | 76.3871% | 4,390 |
| Equity capital to assets | 11.2038% | 2,226 |
| Core capital (leverage) ratio | 9.8514% | 2,870 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2331% | 2,090 |
| Memoranda: | ||
| Average total assets | $150,786,500 | 3,377 |
| Average earning assets | $130,412,500 | 3,493 |
| Average equity | $17,604,500 | 3,407 |
| Average total loans | $110,517,000 | 3,104 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6694% | 243 |
| Cost of funding earning assets | 1.5029% | 163 |
| Net interest margin | 4.1664% | 988 |
| Noninterest income to average assets | 1.0859% | 844 |
| Noninterest expense to average assets | 3.2469% | 1,078 |
| Loan and lease loss provision to assets | 0.1477% | 2,532 |
| Net operating income to assets | 0.9191% | 2,630 |
| Return on assets (ROA) | 0.9191% | 2,748 |
| Pretax return on assets | 1.2856% | 2,086 |
| Return on Equity (ROE) | 7.7547% | 2,842 |
| Retained earnings to average equity (ytd only) | 7.7547% | 1,382 |
| Net charge-offs to loans | 0.0321% | 2,088 |
| Credit loss provision to net charge-offs | 635.2941% | 1,065 |
| Earnings coverage of net charge-offs (x) | 61.6471% | 944 |
| Efficiency ratio | 69.3746% | 2,036 |
| Assets per employee ($millions) | 6.1493% | 2,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,244 |
| Loan loss allowance to noncurrent loans | 112.4069% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 4.4275% | 68 |
| Noncurrent loans to loans | 1.3392% | 1,147 |
| Net loans and leases to total assets | 71.4077% | 1,816 |
| Net loans and leases to deposits | 93.9111% | 972 |
| Net loans and leases to core deposits | 118.5104% | 468 |
| Total domestic deposits to total assets | 76.0376% | 4,425 |
| Equity capital to assets | 10.7100% | 2,564 |
| Core capital (leverage) ratio | 9.1150% | 3,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7157% | 2,304 |
| Memoranda: | ||
| Average total assets | $146,234,000 | 3,415 |
| Average earning assets | $126,152,000 | 3,518 |
| Average equity | $17,331,333 | 3,431 |
| Average total loans | $105,823,333 | 3,151 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7921% | 222 |
| Cost of funding earning assets | 1.7761% | 97 |
| Net interest margin | 4.0160% | 1,348 |
| Noninterest income to average assets | 1.2235% | 589 |
| Noninterest expense to average assets | 3.6469% | 755 |
| Loan and lease loss provision to assets | 0.1848% | 1,622 |
| Net operating income to assets | 0.5574% | 3,716 |
| Return on assets (ROA) | 0.5574% | 3,780 |
| Pretax return on assets | 0.8215% | 3,356 |
| Return on Equity (ROE) | 4.4429% | 3,835 |
| Retained earnings to average equity (ytd only) | 4.4429% | 2,513 |
| Net charge-offs to loans | 0.0690% | 1,336 |
| Credit loss provision to net charge-offs | 370.5882% | 1,051 |
| Earnings coverage of net charge-offs (x) | 20.1765% | 1,421 |
| Efficiency ratio | 78.3733% | 1,296 |
| Assets per employee ($millions) | 5.0776% | 2,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7397% | 808 |
| Loan loss allowance to noncurrent loans | 115.8033% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 5.1093% | 63 |
| Noncurrent loans to loans | 1.5023% | 1,064 |
| Net loans and leases to total assets | 70.1575% | 2,226 |
| Net loans and leases to deposits | 83.4211% | 2,292 |
| Net loans and leases to core deposits | 113.4846% | 686 |
| Total domestic deposits to total assets | 84.1004% | 2,757 |
| Equity capital to assets | 12.1612% | 1,951 |
| Core capital (leverage) ratio | 9.7184% | 3,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9294% | 2,742 |
| Memoranda: | ||
| Average total assets | $136,335,500 | 3,499 |
| Average earning assets | $116,434,000 | 3,620 |
| Average equity | $17,106,000 | 3,460 |
| Average total loans | $98,549,500 | 3,239 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2039% | 167 |
| Cost of funding earning assets | 1.9351% | 80 |
| Net interest margin | 4.2688% | 1,169 |
| Noninterest income to average assets | 1.5084% | 407 |
| Noninterest expense to average assets | 3.8426% | 631 |
| Loan and lease loss provision to assets | 0.4434% | 310 |
| Net operating income to assets | 4.4869% | 47 |
| Return on assets (ROA) | 4.4869% | 50 |
| Pretax return on assets | 0.9313% | 3,646 |
| Return on Equity (ROE) | 45.1562% | 14 |
| Retained earnings to average equity (ytd only) | 45.1562% | 3 |
| Net charge-offs to loans | 0.0417% | 2,558 |
| Credit loss provision to net charge-offs | 1,417.5000% | 250 |
| Earnings coverage of net charge-offs (x) | 43.9500% | 1,231 |
| Efficiency ratio | 73.6511% | 1,649 |
| Assets per employee ($millions) | 4.8333% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8004% | 660 |
| Loan loss allowance to noncurrent loans | 150.0436% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 5.2767% | 47 |
| Noncurrent loans to loans | 1.1999% | 1,259 |
| Net loans and leases to total assets | 71.9298% | 2,101 |
| Net loans and leases to deposits | 85.1703% | 2,188 |
| Net loans and leases to core deposits | 114.3019% | 661 |
| Total domestic deposits to total assets | 84.4542% | 2,702 |
| Equity capital to assets | 12.9672% | 1,548 |
| Core capital (leverage) ratio | 9.8140% | 3,718 |
| Tier 1 risk-based capital ratio | 11.8908% | 4,427 |
| Total risk-based capital ratio | 13.1463% | 4,294 |
| Memoranda: | ||
| Average total assets | $127,883,400 | 3,589 |
| Average earning assets | $111,107,600 | 3,691 |
| Average equity | $12,707,000 | 3,913 |
| Average total loans | $95,939,600 | 3,282 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2453% | 163 |
| Cost of funding earning assets | 1.9252% | 85 |
| Net interest margin | 4.3200% | 1,124 |
| Noninterest income to average assets | 1.7029% | 337 |
| Noninterest expense to average assets | 3.8659% | 615 |
| Loan and lease loss provision to assets | 0.5889% | 195 |
| Net operating income to assets | 1.0270% | 2,877 |
| Return on assets (ROA) | 1.0270% | 2,952 |
| Pretax return on assets | 1.0270% | 3,507 |
| Return on Equity (ROE) | 11.2126% | 1,923 |
| Retained earnings to average equity (ytd only) | 11.2126% | 489 |
| Net charge-offs to loans | 0.0555% | 2,035 |
| Credit loss provision to net charge-offs | 1,405.0000% | 264 |
| Earnings coverage of net charge-offs (x) | 38.5515% | 1,407 |
| Efficiency ratio | 70.5219% | 2,049 |
| Assets per employee ($millions) | 4.6609% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7874% | 703 |
| Loan loss allowance to noncurrent loans | 199.5349% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 5.6530% | 57 |
| Noncurrent loans to loans | 0.8958% | 1,787 |
| Net loans and leases to total assets | 74.9253% | 1,662 |
| Net loans and leases to deposits | 87.2247% | 2,033 |
| Net loans and leases to core deposits | 117.5058% | 611 |
| Total domestic deposits to total assets | 85.8992% | 2,039 |
| Equity capital to assets | 9.7128% | 4,282 |
| Core capital (leverage) ratio | 9.4646% | 4,205 |
| Tier 1 risk-based capital ratio | 11.6738% | 4,580 |
| Total risk-based capital ratio | 12.9286% | 4,485 |
| Memoranda: | ||
| Average total assets | $127,229,750 | 3,639 |
| Average earning assets | $111,292,250 | 3,727 |
| Average equity | $11,653,250 | 4,081 |
| Average total loans | $96,027,500 | 3,324 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2674% | 152 |
| Cost of funding earning assets | 1.8671% | 95 |
| Net interest margin | 4.4002% | 940 |
| Noninterest income to average assets | 1.8874% | 292 |
| Noninterest expense to average assets | 3.8577% | 623 |
| Loan and lease loss provision to assets | 0.6296% | 173 |
| Net operating income to assets | 1.2499% | 1,960 |
| Return on assets (ROA) | 1.2499% | 2,016 |
| Pretax return on assets | 1.2499% | 2,750 |
| Return on Equity (ROE) | 13.9227% | 1,000 |
| Retained earnings to average equity (ytd only) | 13.9227% | 232 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2400% | 2,651 |
| Assets per employee ($millions) | 5.1930% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 981 |
| Loan loss allowance to noncurrent loans | 105.6954% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 5.4897% | 61 |
| Noncurrent loans to loans | 1.5356% | 1,001 |
| Net loans and leases to total assets | 74.5136% | 1,800 |
| Net loans and leases to deposits | 86.3077% | 2,220 |
| Net loans and leases to core deposits | 110.7780% | 937 |
| Total domestic deposits to total assets | 86.3348% | 1,877 |
| Equity capital to assets | 9.2362% | 4,623 |
| Core capital (leverage) ratio | 9.2164% | 4,438 |
| Tier 1 risk-based capital ratio | 11.4267% | 4,720 |
| Total risk-based capital ratio | 12.6805% | 4,613 |
| Memoranda: | ||
| Average total assets | $127,691,670 | 3,653 |
| Average earning assets | $111,721,670 | 3,745 |
| Average equity | $11,463,330 | 4,115 |
| Average total loans | $96,035,000 | 3,338 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2391% | 151 |
| Cost of funding earning assets | 1.7852% | 107 |
| Net interest margin | 4.4539% | 809 |
| Noninterest income to average assets | 1.7216% | 306 |
| Noninterest expense to average assets | 4.0371% | 514 |
| Loan and lease loss provision to assets | 0.9856% | 85 |
| Net operating income to assets | 0.5686% | 4,341 |
| Return on assets (ROA) | 0.5686% | 4,369 |
| Pretax return on assets | 0.5686% | 4,570 |
| Return on Equity (ROE) | 6.4289% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.4289% | 2,267 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2034% | 2,007 |
| Assets per employee ($millions) | 4.9873% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5737% | 1,121 |
| Loan loss allowance to noncurrent loans | 87.4564% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 5.6714% | 56 |
| Noncurrent loans to loans | 1.7995% | 857 |
| Net loans and leases to total assets | 72.6380% | 2,056 |
| Net loans and leases to deposits | 83.5742% | 2,431 |
| Net loans and leases to core deposits | 109.7237% | 946 |
| Total domestic deposits to total assets | 86.9144% | 1,857 |
| Equity capital to assets | 8.7369% | 4,857 |
| Core capital (leverage) ratio | 9.1190% | 4,553 |
| Tier 1 risk-based capital ratio | 10.8808% | 5,028 |
| Total risk-based capital ratio | 12.1340% | 4,931 |
| Memoranda: | ||
| Average total assets | $126,624,500 | 3,703 |
| Average earning assets | $110,016,500 | 3,813 |
| Average equity | $11,199,500 | 4,169 |
| Average total loans | $94,885,500 | 3,391 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9336% | 182 |
| Cost of funding earning assets | 1.4531% | 109 |
| Net interest margin | 4.4805% | 791 |
| Noninterest income to average assets | 1.4267% | 445 |
| Noninterest expense to average assets | 4.5082% | 295 |
| Loan and lease loss provision to assets | 0.1162% | 1,897 |
| Net operating income to assets | 0.6841% | 4,186 |
| Return on assets (ROA) | 0.6841% | 4,190 |
| Pretax return on assets | 0.6841% | 4,448 |
| Return on Equity (ROE) | 8.0010% | 3,440 |
| Retained earnings to average equity (ytd only) | 8.0010% | 1,233 |
| Net charge-offs to loans | -0.0819% | 5,105 |
| Credit loss provision to net charge-offs | -190.1408% | 4,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9246% | 586 |
| Assets per employee ($millions) | 4.2614% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,199 |
| Loan loss allowance to noncurrent loans | 111.5888% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 5.4232% | 63 |
| Noncurrent loans to loans | 1.1374% | 1,407 |
| Net loans and leases to total assets | 75.1594% | 1,745 |
| Net loans and leases to deposits | 86.6404% | 2,199 |
| Net loans and leases to core deposits | 112.5801% | 854 |
| Total domestic deposits to total assets | 86.7487% | 1,894 |
| Equity capital to assets | 8.9578% | 4,612 |
| Core capital (leverage) ratio | 9.1235% | 4,539 |
| Tier 1 risk-based capital ratio | 11.1032% | 4,924 |
| Total risk-based capital ratio | 12.2912% | 4,853 |
| Memoranda: | ||
| Average total assets | $116,210,200 | 3,848 |
| Average earning assets | $100,680,800 | 3,966 |
| Average equity | $9,936,200 | 4,306 |
| Average total loans | $86,674,600 | 3,540 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8346% | 203 |
| Cost of funding earning assets | 1.3514% | 135 |
| Net interest margin | 4.4831% | 766 |
| Noninterest income to average assets | 1.1425% | 721 |
| Noninterest expense to average assets | 4.4440% | 308 |
| Loan and lease loss provision to assets | 0.1026% | 1,954 |
| Net operating income to assets | 0.4710% | 4,817 |
| Return on assets (ROA) | 0.4710% | 4,822 |
| Pretax return on assets | 0.4710% | 4,942 |
| Return on Equity (ROE) | 5.5803% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.5803% | 2,901 |
| Net charge-offs to loans | -0.1006% | 5,163 |
| Credit loss provision to net charge-offs | -137.5000% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5688% | 379 |
| Assets per employee ($millions) | 4.5735% | 3,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 2,184 |
| Loan loss allowance to noncurrent loans | 1,054.6296% | 574 |
| Noncurrent assets plus other real estate owned to assets | 5.4226% | 74 |
| Noncurrent loans to loans | 0.1216% | 4,343 |
| Net loans and leases to total assets | 71.0278% | 2,485 |
| Net loans and leases to deposits | 80.8287% | 2,948 |
| Net loans and leases to core deposits | 102.5717% | 1,560 |
| Total domestic deposits to total assets | 87.8745% | 1,293 |
| Equity capital to assets | 7.9840% | 5,184 |
| Core capital (leverage) ratio | 8.2238% | 5,236 |
| Tier 1 risk-based capital ratio | 10.3700% | 5,276 |
| Total risk-based capital ratio | 11.5490% | 5,219 |
| Memoranda: | ||
| Average total assets | $114,367,750 | 3,919 |
| Average earning assets | $98,856,750 | 4,032 |
| Average equity | $9,652,750 | 4,395 |
| Average total loans | $84,824,250 | 3,602 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6740% | 249 |
| Cost of funding earning assets | 1.2160% | 174 |
| Net interest margin | 4.4580% | 754 |
| Noninterest income to average assets | 1.0887% | 815 |
| Noninterest expense to average assets | 4.4858% | 299 |
| Loan and lease loss provision to assets | 0.0934% | 2,052 |
| Net operating income to assets | 0.3557% | 5,042 |
| Return on assets (ROA) | 0.3557% | 5,039 |
| Pretax return on assets | 0.3557% | 5,100 |
| Return on Equity (ROE) | 4.1319% | 4,783 |
| Retained earnings to average equity (ytd only) | 4.1319% | 3,547 |
| Net charge-offs to loans | -0.1461% | 5,266 |
| Credit loss provision to net charge-offs | -85.2459% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8992% | 337 |
| Assets per employee ($millions) | 4.7969% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 2,696 |
| Loan loss allowance to noncurrent loans | 974.3363% | 612 |
| Noncurrent assets plus other real estate owned to assets | 5.2659% | 82 |
| Noncurrent loans to loans | 0.1234% | 4,356 |
| Net loans and leases to total assets | 75.4332% | 1,730 |
| Net loans and leases to deposits | 87.4205% | 2,170 |
| Net loans and leases to core deposits | 113.1739% | 828 |
| Total domestic deposits to total assets | 86.2878% | 2,148 |
| Equity capital to assets | 8.0536% | 5,204 |
| Core capital (leverage) ratio | 8.7097% | 4,950 |
| Tier 1 risk-based capital ratio | 10.4032% | 5,311 |
| Total risk-based capital ratio | 11.5704% | 5,252 |
| Memoranda: | ||
| Average total assets | $111,329,000 | 3,997 |
| Average earning assets | $96,051,330 | 4,112 |
| Average equity | $9,584,000 | 4,443 |
| Average total loans | $83,483,330 | 3,652 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6774% | 218 |
| Cost of funding earning assets | 1.1477% | 180 |
| Net interest margin | 4.5297% | 583 |
| Noninterest income to average assets | 0.8932% | 1,163 |
| Noninterest expense to average assets | 4.6229% | 268 |
| Loan and lease loss provision to assets | 0.0747% | 2,268 |
| Net operating income to assets | 0.0747% | 5,343 |
| Return on assets (ROA) | 0.0747% | 5,340 |
| Pretax return on assets | 0.0747% | 5,346 |
| Return on Equity (ROE) | 0.8380% | 5,320 |
| Retained earnings to average equity (ytd only) | 0.8380% | 4,658 |
| Net charge-offs to loans | -0.0201% | 4,565 |
| Credit loss provision to net charge-offs | -500.0000% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8677% | 230 |
| Assets per employee ($millions) | 4.2160% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 2,547 |
| Loan loss allowance to noncurrent loans | 829.5082% | 696 |
| Noncurrent assets plus other real estate owned to assets | 5.8686% | 72 |
| Noncurrent loans to loans | 0.1501% | 4,308 |
| Net loans and leases to total assets | 73.2414% | 1,989 |
| Net loans and leases to deposits | 81.2840% | 2,658 |
| Net loans and leases to core deposits | 98.6120% | 1,795 |
| Total domestic deposits to total assets | 90.1055% | 617 |
| Equity capital to assets | 8.6802% | 4,834 |
| Core capital (leverage) ratio | 8.9518% | 4,732 |
| Tier 1 risk-based capital ratio | 11.0598% | 5,105 |
| Total risk-based capital ratio | 12.2205% | 5,048 |
| Memoranda: | ||
| Average total assets | $107,032,500 | 4,104 |
| Average earning assets | $91,661,000 | 4,240 |
| Average equity | $9,547,000 | 4,494 |
| Average total loans | $79,444,000 | 3,753 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5628% | 241 |
| Cost of funding earning assets | 0.9542% | 280 |
| Net interest margin | 4.6087% | 492 |
| Noninterest income to average assets | 1.5937% | 409 |
| Noninterest expense to average assets | 4.5709% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9144% | 2,633 |
| Return on assets (ROA) | 0.9144% | 2,662 |
| Pretax return on assets | 0.9144% | 3,865 |
| Return on Equity (ROE) | 9.6340% | 2,044 |
| Retained earnings to average equity (ytd only) | 9.6340% | 403 |
| Net charge-offs to loans | -0.0163% | 4,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3302% | 826 |
| Assets per employee ($millions) | 4.3520% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 2,355 |
| Loan loss allowance to noncurrent loans | 777.9528% | 781 |
| Noncurrent assets plus other real estate owned to assets | 6.1638% | 61 |
| Noncurrent loans to loans | 0.1637% | 4,276 |
| Net loans and leases to total assets | 73.3408% | 2,039 |
| Net loans and leases to deposits | 81.8566% | 2,733 |
| Net loans and leases to core deposits | 96.3790% | 1,996 |
| Total domestic deposits to total assets | 89.5967% | 734 |
| Equity capital to assets | 9.1711% | 4,555 |
| Core capital (leverage) ratio | 9.4216% | 4,134 |
| Tier 1 risk-based capital ratio | 11.2945% | 4,985 |
| Total risk-based capital ratio | 12.4552% | 4,910 |
| Memoranda: | ||
| Average total assets | $95,691,600 | 4,318 |
| Average earning assets | $80,804,000 | 4,451 |
| Average equity | $9,082,400 | 4,603 |
| Average total loans | $73,679,800 | 3,881 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 244 |
| Cost of funding earning assets | 0.9016% | 338 |
| Net interest margin | 4.6315% | 463 |
| Noninterest income to average assets | 1.4744% | 495 |
| Noninterest expense to average assets | 4.6215% | 286 |
| Loan and lease loss provision to assets | -0.0670% | 5,547 |
| Net operating income to assets | 0.8171% | 3,454 |
| Return on assets (ROA) | 0.8171% | 3,495 |
| Pretax return on assets | 0.8171% | 4,307 |
| Return on Equity (ROE) | 8.5282% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.5282% | 1,003 |
| Net charge-offs to loans | -0.0128% | 4,718 |
| Credit loss provision to net charge-offs | 671.4286% | 495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0366% | 629 |
| Assets per employee ($millions) | 4.0286% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,658 |
| Loan loss allowance to noncurrent loans | 698.5075% | 793 |
| Noncurrent assets plus other real estate owned to assets | 6.7983% | 54 |
| Noncurrent loans to loans | 0.1786% | 4,353 |
| Net loans and leases to total assets | 76.6440% | 1,476 |
| Net loans and leases to deposits | 85.7864% | 2,323 |
| Net loans and leases to core deposits | 98.2199% | 1,866 |
| Total domestic deposits to total assets | 89.3428% | 728 |
| Equity capital to assets | 9.6095% | 4,336 |
| Core capital (leverage) ratio | 9.4828% | 4,190 |
| Tier 1 risk-based capital ratio | 11.5999% | 4,881 |
| Total risk-based capital ratio | 12.7658% | 4,846 |
| Memoranda: | ||
| Average total assets | $93,502,500 | 4,399 |
| Average earning assets | $78,676,750 | 4,526 |
| Average equity | $8,958,250 | 4,669 |
| Average total loans | $72,702,000 | 3,933 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4156% | 271 |
| Cost of funding earning assets | 0.8369% | 431 |
| Net interest margin | 4.5787% | 495 |
| Noninterest income to average assets | 1.2830% | 630 |
| Noninterest expense to average assets | 4.5889% | 290 |
| Loan and lease loss provision to assets | -0.1471% | 5,681 |
| Net operating income to assets | 0.6880% | 3,898 |
| Return on assets (ROA) | 0.6880% | 3,962 |
| Pretax return on assets | 0.6880% | 4,584 |
| Return on Equity (ROE) | 7.1886% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.1886% | 1,502 |
| Net charge-offs to loans | -0.0167% | 4,705 |
| Credit loss provision to net charge-offs | 1,133.3333% | 351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4559% | 477 |
| Assets per employee ($millions) | 4.2066% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 2,892 |
| Loan loss allowance to noncurrent loans | 648.2270% | 828 |
| Noncurrent assets plus other real estate owned to assets | 6.8009% | 57 |
| Noncurrent loans to loans | 0.1883% | 4,363 |
| Net loans and leases to total assets | 76.4697% | 1,472 |
| Net loans and leases to deposits | 85.2226% | 2,322 |
| Net loans and leases to core deposits | 95.9387% | 1,987 |
| Total domestic deposits to total assets | 89.7294% | 631 |
| Equity capital to assets | 9.3559% | 4,558 |
| Core capital (leverage) ratio | 9.5547% | 4,067 |
| Tier 1 risk-based capital ratio | 11.6403% | 4,869 |
| Total risk-based capital ratio | 12.8150% | 4,811 |
| Memoranda: | ||
| Average total assets | $92,441,330 | 4,451 |
| Average earning assets | $77,664,330 | 4,572 |
| Average equity | $8,847,330 | 4,709 |
| Average total loans | $71,922,670 | 3,976 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2733% | 333 |
| Cost of funding earning assets | 0.7897% | 521 |
| Net interest margin | 4.4837% | 541 |
| Noninterest income to average assets | 0.8152% | 1,499 |
| Noninterest expense to average assets | 4.8247% | 266 |
| Loan and lease loss provision to assets | -0.3544% | 5,824 |
| Net operating income to assets | 0.0930% | 5,530 |
| Return on assets (ROA) | 0.0930% | 5,534 |
| Pretax return on assets | 0.0930% | 5,524 |
| Return on Equity (ROE) | 0.9605% | 5,501 |
| Retained earnings to average equity (ytd only) | 0.9605% | 4,674 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7282% | 164 |
| Assets per employee ($millions) | 3.9675% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,856 |
| Loan loss allowance to noncurrent loans | 264.3068% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 7.9253% | 50 |
| Noncurrent loans to loans | 0.4713% | 3,403 |
| Net loans and leases to total assets | 77.8394% | 1,160 |
| Net loans and leases to deposits | 87.4506% | 1,868 |
| Net loans and leases to core deposits | 93.3034% | 2,031 |
| Total domestic deposits to total assets | 89.0096% | 1,133 |
| Equity capital to assets | 9.5943% | 4,184 |
| Core capital (leverage) ratio | 9.6038% | 3,989 |
| Tier 1 risk-based capital ratio | 11.8391% | 4,823 |
| Total risk-based capital ratio | 13.0501% | 4,759 |
| Memoranda: | ||
| Average total assets | $90,286,000 | 4,537 |
| Average earning assets | $75,474,000 | 4,668 |
| Average equity | $8,745,000 | 4,761 |
| Average total loans | $70,434,000 | 4,041 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9677% | 635 |
| Cost of funding earning assets | 0.7591% | 606 |
| Net interest margin | 4.2086% | 1,094 |
| Noninterest income to average assets | 1.1747% | 821 |
| Noninterest expense to average assets | 4.5336% | 363 |
| Loan and lease loss provision to assets | 0.8795% | 125 |
| Net operating income to assets | -0.7650% | 5,815 |
| Return on assets (ROA) | -0.7650% | 5,821 |
| Pretax return on assets | -0.7650% | 5,811 |
| Return on Equity (ROE) | -7.8759% | 5,820 |
| Retained earnings to average equity (ytd only) | -7.8759% | 5,749 |
| Net charge-offs to loans | 0.7139% | 302 |
| Credit loss provision to net charge-offs | 166.2870% | 1,671 |
| Earnings coverage of net charge-offs (x) | 0.2164% | 4,124 |
| Efficiency ratio | 97.5376% | 266 |
| Assets per employee ($millions) | 4.0600% | 3,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 2,013 |
| Loan loss allowance to noncurrent loans | 175.8559% | 2,485 |
| Noncurrent assets plus other real estate owned to assets | 8.4763% | 46 |
| Noncurrent loans to loans | 0.8050% | 2,504 |
| Net loans and leases to total assets | 76.0927% | 1,504 |
| Net loans and leases to deposits | 85.8775% | 2,189 |
| Net loans and leases to core deposits | 91.6305% | 2,334 |
| Total domestic deposits to total assets | 88.6061% | 1,320 |
| Equity capital to assets | 9.7794% | 3,971 |
| Core capital (leverage) ratio | 9.6754% | 3,882 |
| Tier 1 risk-based capital ratio | 12.0398% | 4,700 |
| Total risk-based capital ratio | 13.2908% | 4,587 |
| Memoranda: | ||
| Average total assets | $83,002,800 | 4,666 |
| Average earning assets | $68,502,800 | 4,839 |
| Average equity | $8,062,600 | 4,927 |
| Average total loans | $61,495,000 | 4,246 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8138% | 873 |
| Cost of funding earning assets | 0.7388% | 670 |
| Net interest margin | 4.0750% | 1,462 |
| Noninterest income to average assets | 1.0447% | 1,041 |
| Noninterest expense to average assets | 4.6325% | 338 |
| Loan and lease loss provision to assets | 1.0365% | 97 |
| Net operating income to assets | -1.2641% | 5,919 |
| Return on assets (ROA) | -1.2641% | 5,920 |
| Pretax return on assets | -1.2641% | 5,915 |
| Return on Equity (ROE) | -13.0383% | 5,918 |
| Retained earnings to average equity (ytd only) | -13.0383% | 5,876 |
| Net charge-offs to loans | 0.6931% | 269 |
| Credit loss provision to net charge-offs | 204.1935% | 1,422 |
| Earnings coverage of net charge-offs (x) | -0.4484% | 3,840 |
| Efficiency ratio | 105.1673% | 165 |
| Assets per employee ($millions) | 4.0734% | 3,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 1,730 |
| Loan loss allowance to noncurrent loans | 164.9755% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 8.5109% | 52 |
| Noncurrent loans to loans | 0.9146% | 2,415 |
| Net loans and leases to total assets | 73.4227% | 1,964 |
| Net loans and leases to deposits | 82.3111% | 2,692 |
| Net loans and leases to core deposits | 87.1714% | 2,833 |
| Total domestic deposits to total assets | 89.2015% | 799 |
| Equity capital to assets | 9.6023% | 4,554 |
| Core capital (leverage) ratio | 10.1508% | 3,379 |
| Tier 1 risk-based capital ratio | 12.0340% | 4,772 |
| Total risk-based capital ratio | 13.2860% | 4,670 |
| Memoranda: | ||
| Average total assets | $81,423,500 | 4,749 |
| Average earning assets | $67,139,000 | 4,906 |
| Average equity | $7,894,500 | 5,004 |
| Average total loans | $59,633,250 | 4,341 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 941 |
| Cost of funding earning assets | 0.7272% | 695 |
| Net interest margin | 4.0363% | 1,534 |
| Noninterest income to average assets | -0.6176% | 6,053 |
| Noninterest expense to average assets | 4.6560% | 335 |
| Loan and lease loss provision to assets | 1.0878% | 91 |
| Net operating income to assets | -3.0320% | 6,035 |
| Return on assets (ROA) | -3.0320% | 6,035 |
| Pretax return on assets | -3.0320% | 6,032 |
| Return on Equity (ROE) | -31.1583% | 6,028 |
| Retained earnings to average equity (ytd only) | -31.1583% | 6,006 |
| Net charge-offs to loans | 1.0971% | 157 |
| Credit loss provision to net charge-offs | 136.3057% | 1,712 |
| Earnings coverage of net charge-offs (x) | -2.4363% | 3,607 |
| Efficiency ratio | 171.6963% | 29 |
| Assets per employee ($millions) | 3.7186% | 4,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,869 |
| Loan loss allowance to noncurrent loans | 33.1260% | 5,220 |
| Noncurrent assets plus other real estate owned to assets | 8.1091% | 65 |
| Noncurrent loans to loans | 3.8811% | 316 |
| Net loans and leases to total assets | 74.9893% | 1,651 |
| Net loans and leases to deposits | 84.9107% | 2,360 |
| Net loans and leases to core deposits | 89.1712% | 2,622 |
| Total domestic deposits to total assets | 88.3155% | 1,267 |
| Equity capital to assets | 10.0062% | 4,219 |
| Core capital (leverage) ratio | 10.2389% | 3,283 |
| Tier 1 risk-based capital ratio | 11.9062% | 4,889 |
| Total risk-based capital ratio | 13.0690% | 4,841 |
| Memoranda: | ||
| Average total assets | $78,693,330 | 4,844 |
| Average earning assets | $64,910,330 | 5,010 |
| Average equity | $7,657,670 | 5,078 |
| Average total loans | $57,242,670 | 4,425 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 1,146 |
| Cost of funding earning assets | 0.7435% | 657 |
| Net interest margin | 3.9080% | 1,912 |
| Noninterest income to average assets | 0.6534% | 2,249 |
| Noninterest expense to average assets | 4.6101% | 355 |
| Loan and lease loss provision to assets | 0.7675% | 135 |
| Net operating income to assets | -1.5350% | 6,060 |
| Return on assets (ROA) | -1.5350% | 6,061 |
| Pretax return on assets | -1.5350% | 6,057 |
| Return on Equity (ROE) | -16.0141% | 6,055 |
| Retained earnings to average equity (ytd only) | -16.0141% | 5,919 |
| Net charge-offs to loans | -0.0365% | 5,162 |
| Credit loss provision to net charge-offs | -2,960.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9730% | 103 |
| Assets per employee ($millions) | 4.0391% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 2,085 |
| Loan loss allowance to noncurrent loans | 30.1982% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 9.8588% | 54 |
| Noncurrent loans to loans | 4.8877% | 202 |
| Net loans and leases to total assets | 69.2452% | 2,464 |
| Net loans and leases to deposits | 79.2769% | 2,880 |
| Net loans and leases to core deposits | 84.3555% | 2,903 |
| Total domestic deposits to total assets | 87.3460% | 2,032 |
| Equity capital to assets | 11.2489% | 2,681 |
| Core capital (leverage) ratio | 11.9081% | 1,673 |
| Tier 1 risk-based capital ratio | 13.9638% | 3,719 |
| Total risk-based capital ratio | 15.2143% | 3,641 |
| Memoranda: | ||
| Average total assets | $77,135,500 | 4,915 |
| Average earning assets | $62,947,000 | 5,098 |
| Average equity | $7,393,500 | 5,155 |
| Average total loans | $54,790,500 | 4,530 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2879% | 2,259 |
| Cost of funding earning assets | 0.6749% | 938 |
| Net interest margin | 3.6129% | 3,085 |
| Noninterest income to average assets | 0.2985% | 4,750 |
| Noninterest expense to average assets | 5.0860% | 264 |
| Loan and lease loss provision to assets | 0.4805% | 242 |
| Net operating income to assets | -2.3530% | 6,149 |
| Return on assets (ROA) | -2.3530% | 6,151 |
| Pretax return on assets | -2.3530% | 6,146 |
| Return on Equity (ROE) | -27.2008% | 6,146 |
| Retained earnings to average equity (ytd only) | -27.2008% | 6,136 |
| Net charge-offs to loans | 0.6287% | 380 |
| Credit loss provision to net charge-offs | 111.8644% | 2,262 |
| Earnings coverage of net charge-offs (x) | -4.3593% | 4,390 |
| Efficiency ratio | 158.2691% | 31 |
| Assets per employee ($millions) | 3.8679% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 2,924 |
| Loan loss allowance to noncurrent loans | 21.6498% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 11.5403% | 41 |
| Noncurrent loans to loans | 5.9917% | 142 |
| Net loans and leases to total assets | 70.9226% | 2,214 |
| Net loans and leases to deposits | 78.3127% | 3,019 |
| Net loans and leases to core deposits | 82.1903% | 3,126 |
| Total domestic deposits to total assets | 90.5633% | 421 |
| Equity capital to assets | 7.7562% | 5,932 |
| Core capital (leverage) ratio | 8.0039% | 5,837 |
| Tier 1 risk-based capital ratio | 9.4862% | 6,045 |
| Total risk-based capital ratio | 10.6264% | 6,052 |
| Memoranda: | ||
| Average total assets | $68,679,000 | 5,118 |
| Average earning assets | $55,411,800 | 5,312 |
| Average equity | $5,941,000 | 5,449 |
| Average total loans | $46,920,800 | 4,759 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 2,291 |
| Cost of funding earning assets | 0.6620% | 1,021 |
| Net interest margin | 3.6228% | 3,069 |
| Noninterest income to average assets | 0.0040% | 6,185 |
| Noninterest expense to average assets | 5.1849% | 248 |
| Loan and lease loss provision to assets | 0.2964% | 502 |
| Net operating income to assets | -2.5687% | 6,238 |
| Return on assets (ROA) | -2.5687% | 6,240 |
| Pretax return on assets | -2.5687% | 6,238 |
| Return on Equity (ROE) | -28.8821% | 6,240 |
| Retained earnings to average equity (ytd only) | -28.8821% | 6,229 |
| Net charge-offs to loans | 0.0176% | 3,595 |
| Credit loss provision to net charge-offs | 2,500.0000% | 142 |
| Earnings coverage of net charge-offs (x) | -191.6625% | 4,178 |
| Efficiency ratio | 178.0190% | 23 |
| Assets per employee ($millions) | 3.8180% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 1,465 |
| Loan loss allowance to noncurrent loans | 22.8621% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 12.7903% | 35 |
| Noncurrent loans to loans | 7.4458% | 82 |
| Net loans and leases to total assets | 66.7161% | 2,894 |
| Net loans and leases to deposits | 74.2186% | 3,527 |
| Net loans and leases to core deposits | 78.1836% | 3,595 |
| Total domestic deposits to total assets | 89.8914% | 619 |
| Equity capital to assets | 8.7684% | 5,515 |
| Core capital (leverage) ratio | 9.0641% | 4,924 |
| Tier 1 risk-based capital ratio | 11.1459% | 5,579 |
| Total risk-based capital ratio | 12.3985% | 5,467 |
| Memoranda: | ||
| Average total assets | $67,476,250 | 5,209 |
| Average earning assets | $54,174,750 | 5,404 |
| Average equity | $6,001,250 | 5,500 |
| Average total loans | $45,449,500 | 4,860 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 2,212 |
| Cost of funding earning assets | 0.6587% | 1,057 |
| Net interest margin | 3.6285% | 2,981 |
| Noninterest income to average assets | 0.1849% | 5,586 |
| Noninterest expense to average assets | 5.1685% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -2.0757% | 6,306 |
| Return on assets (ROA) | -2.0757% | 6,307 |
| Pretax return on assets | -2.0757% | 6,306 |
| Return on Equity (ROE) | -23.2271% | 6,305 |
| Retained earnings to average equity (ytd only) | -23.2271% | 6,281 |
| Net charge-offs to loans | 0.0444% | 2,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -69.6000% | 3,885 |
| Efficiency ratio | 167.1167% | 30 |
| Assets per employee ($millions) | 3.9524% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 2,736 |
| Loan loss allowance to noncurrent loans | 20.4277% | 5,672 |
| Noncurrent assets plus other real estate owned to assets | 12.7294% | 40 |
| Noncurrent loans to loans | 6.8741% | 121 |
| Net loans and leases to total assets | 66.8795% | 2,805 |
| Net loans and leases to deposits | 74.7095% | 3,409 |
| Net loans and leases to core deposits | 78.4638% | 3,532 |
| Total domestic deposits to total assets | 89.5194% | 890 |
| Equity capital to assets | 8.8464% | 5,391 |
| Core capital (leverage) ratio | 9.0225% | 4,935 |
| Tier 1 risk-based capital ratio | 11.3394% | 5,550 |
| Total risk-based capital ratio | 12.5603% | 5,500 |
| Memoranda: | ||
| Average total assets | $67,060,330 | 5,277 |
| Average earning assets | $53,741,670 | 5,470 |
| Average equity | $5,993,000 | 5,552 |
| Average total loans | $45,051,330 | 4,916 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3127% | 2,052 |
| Cost of funding earning assets | 0.6514% | 1,105 |
| Net interest margin | 3.6613% | 2,771 |
| Noninterest income to average assets | 0.1970% | 5,534 |
| Noninterest expense to average assets | 5.1705% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.0539% | 6,369 |
| Return on assets (ROA) | -2.0539% | 6,371 |
| Pretax return on assets | -2.0539% | 6,366 |
| Return on Equity (ROE) | -22.8666% | 6,367 |
| Retained earnings to average equity (ytd only) | -22.8666% | 6,296 |
| Net charge-offs to loans | 0.1429% | 1,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -21.5000% | 3,262 |
| Efficiency ratio | 165.9004% | 34 |
| Assets per employee ($millions) | 3.9694% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 2,950 |
| Loan loss allowance to noncurrent loans | 18.3078% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 13.4857% | 41 |
| Noncurrent loans to loans | 7.6065% | 110 |
| Net loans and leases to total assets | 66.5288% | 2,687 |
| Net loans and leases to deposits | 74.3003% | 3,267 |
| Net loans and leases to core deposits | 78.3528% | 3,340 |
| Total domestic deposits to total assets | 89.5404% | 971 |
| Equity capital to assets | 9.0354% | 5,248 |
| Core capital (leverage) ratio | 9.1357% | 4,805 |
| Tier 1 risk-based capital ratio | 11.6614% | 5,458 |
| Total risk-based capital ratio | 12.8742% | 5,394 |
| Memoranda: | ||
| Average total assets | $66,995,000 | 5,329 |
| Average earning assets | $53,424,000 | 5,528 |
| Average equity | $6,017,500 | 5,592 |
| Average total loans | $44,788,500 | 4,959 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1306% | 3,204 |
| Cost of funding earning assets | 0.6318% | 1,541 |
| Net interest margin | 3.4988% | 3,801 |
| Noninterest income to average assets | 0.3957% | 4,211 |
| Noninterest expense to average assets | 5.9363% | 189 |
| Loan and lease loss provision to assets | 0.1486% | 1,768 |
| Net operating income to assets | -2.9697% | 6,478 |
| Return on assets (ROA) | -2.9697% | 6,478 |
| Pretax return on assets | -2.9697% | 6,476 |
| Return on Equity (ROE) | -31.7378% | 6,471 |
| Retained earnings to average equity (ytd only) | -31.7378% | 6,462 |
| Net charge-offs to loans | 1.3767% | 183 |
| Credit loss provision to net charge-offs | 17.5926% | 4,002 |
| Earnings coverage of net charge-offs (x) | -3.3407% | 4,866 |
| Efficiency ratio | 190.5622% | 25 |
| Assets per employee ($millions) | 3.9124% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 2,585 |
| Loan loss allowance to noncurrent loans | 17.8473% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 14.2518% | 40 |
| Noncurrent loans to loans | 8.2679% | 103 |
| Net loans and leases to total assets | 65.2524% | 3,010 |
| Net loans and leases to deposits | 73.2514% | 3,520 |
| Net loans and leases to core deposits | 74.5999% | 3,863 |
| Total domestic deposits to total assets | 89.0800% | 1,191 |
| Equity capital to assets | 8.9278% | 5,362 |
| Core capital (leverage) ratio | 9.0680% | 4,873 |
| Tier 1 risk-based capital ratio | 11.2258% | 5,804 |
| Total risk-based capital ratio | 12.4542% | 5,747 |
| Memoranda: | ||
| Average total assets | $63,945,400 | 5,448 |
| Average earning assets | $49,702,800 | 5,684 |
| Average equity | $5,983,400 | 5,623 |
| Average total loans | $39,224,600 | 5,215 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 3,510 |
| Cost of funding earning assets | 0.6243% | 1,645 |
| Net interest margin | 3.4404% | 4,063 |
| Noninterest income to average assets | 0.6466% | 2,589 |
| Noninterest expense to average assets | 5.9416% | 187 |
| Loan and lease loss provision to assets | 0.8530% | 141 |
| Net operating income to assets | -3.4900% | 6,562 |
| Return on assets (ROA) | -3.4900% | 6,563 |
| Pretax return on assets | -3.4900% | 6,563 |
| Return on Equity (ROE) | -36.8536% | 6,551 |
| Retained earnings to average equity (ytd only) | -36.8536% | 6,548 |
| Net charge-offs to loans | 2.9564% | 37 |
| Credit loss provision to net charge-offs | 48.0427% | 3,137 |
| Earnings coverage of net charge-offs (x) | -1.4852% | 4,543 |
| Efficiency ratio | 179.7960% | 28 |
| Assets per employee ($millions) | 5.3701% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6091% | 2,275 |
| Loan loss allowance to noncurrent loans | 18.7126% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 16.0348% | 30 |
| Noncurrent loans to loans | 8.5991% | 108 |
| Net loans and leases to total assets | 62.3407% | 3,433 |
| Net loans and leases to deposits | 69.6553% | 3,958 |
| Net loans and leases to core deposits | 71.6658% | 4,183 |
| Total domestic deposits to total assets | 89.4989% | 983 |
| Equity capital to assets | 8.9539% | 5,398 |
| Core capital (leverage) ratio | 9.1055% | 4,926 |
| Tier 1 risk-based capital ratio | 11.2945% | 5,879 |
| Total risk-based capital ratio | 12.5447% | 5,823 |
| Memoranda: | ||
| Average total assets | $63,304,000 | 5,528 |
| Average earning assets | $48,907,750 | 5,769 |
| Average equity | $5,994,750 | 5,682 |
| Average total loans | $38,018,250 | 5,301 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9926% | 3,752 |
| Cost of funding earning assets | 0.6146% | 1,771 |
| Net interest margin | 3.3780% | 4,267 |
| Noninterest income to average assets | 0.7342% | 2,120 |
| Noninterest expense to average assets | 6.0930% | 173 |
| Loan and lease loss provision to assets | 1.1601% | 81 |
| Net operating income to assets | -3.9158% | 6,640 |
| Return on assets (ROA) | -3.9158% | 6,641 |
| Pretax return on assets | -3.9158% | 6,641 |
| Return on Equity (ROE) | -40.5953% | 6,630 |
| Retained earnings to average equity (ytd only) | -40.5953% | 6,617 |
| Net charge-offs to loans | 3.5975% | 34 |
| Credit loss provision to net charge-offs | 54.7226% | 2,719 |
| Earnings coverage of net charge-offs (x) | -1.2999% | 4,219 |
| Efficiency ratio | 182.5714% | 30 |
| Assets per employee ($millions) | 4.5851% | 2,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 1,159 |
| Loan loss allowance to noncurrent loans | 20.0101% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 17.2514% | 20 |
| Noncurrent loans to loans | 10.5469% | 71 |
| Net loans and leases to total assets | 57.3000% | 4,079 |
| Net loans and leases to deposits | 64.3706% | 4,463 |
| Net loans and leases to core deposits | 65.9471% | 4,647 |
| Total domestic deposits to total assets | 89.0158% | 1,339 |
| Equity capital to assets | 9.3454% | 4,927 |
| Core capital (leverage) ratio | 9.5194% | 4,304 |
| Tier 1 risk-based capital ratio | 12.4350% | 5,276 |
| Total risk-based capital ratio | 13.6897% | 5,190 |
| Memoranda: | ||
| Average total assets | $62,925,000 | 5,587 |
| Average earning assets | $48,489,670 | 5,827 |
| Average equity | $6,069,670 | 5,700 |
| Average total loans | $37,081,000 | 5,375 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 3,390 |
| Cost of funding earning assets | 0.6162% | 1,846 |
| Net interest margin | 3.4557% | 3,876 |
| Noninterest income to average assets | 1.2201% | 744 |
| Noninterest expense to average assets | 5.9719% | 191 |
| Loan and lease loss provision to assets | 1.4448% | 71 |
| Net operating income to assets | -3.5318% | 6,698 |
| Return on assets (ROA) | -3.5318% | 6,697 |
| Pretax return on assets | -3.5318% | 6,697 |
| Return on Equity (ROE) | -36.0360% | 6,674 |
| Retained earnings to average equity (ytd only) | -36.0360% | 6,641 |
| Net charge-offs to loans | 3.7683% | 41 |
| Credit loss provision to net charge-offs | 64.8415% | 2,055 |
| Earnings coverage of net charge-offs (x) | -0.9366% | 3,508 |
| Efficiency ratio | 153.7190% | 56 |
| Assets per employee ($millions) | 4.8187% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6162% | 701 |
| Loan loss allowance to noncurrent loans | 16.5476% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 19.3956% | 17 |
| Noncurrent loans to loans | 15.8103% | 38 |
| Net loans and leases to total assets | 57.8165% | 3,866 |
| Net loans and leases to deposits | 65.1977% | 4,178 |
| Net loans and leases to core deposits | 66.9563% | 4,407 |
| Total domestic deposits to total assets | 88.6787% | 1,848 |
| Equity capital to assets | 9.9436% | 3,912 |
| Core capital (leverage) ratio | 10.1913% | 3,304 |
| Tier 1 risk-based capital ratio | 13.3079% | 4,823 |
| Total risk-based capital ratio | 14.5685% | 4,740 |
| Memoranda: | ||
| Average total assets | $62,291,500 | 5,657 |
| Average earning assets | $48,036,000 | 5,886 |
| Average equity | $6,105,000 | 5,725 |
| Average total loans | $36,834,000 | 5,438 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7032% | 5,131 |
| Cost of funding earning assets | 0.7097% | 1,746 |
| Net interest margin | 2.9935% | 5,591 |
| Noninterest income to average assets | 0.5913% | 3,142 |
| Noninterest expense to average assets | 6.2104% | 181 |
| Loan and lease loss provision to assets | -0.6702% | 6,769 |
| Net operating income to assets | -2.7567% | 6,751 |
| Return on assets (ROA) | -2.7567% | 6,749 |
| Pretax return on assets | -2.7567% | 6,746 |
| Return on Equity (ROE) | -27.0860% | 6,710 |
| Retained earnings to average equity (ytd only) | -27.0860% | 6,704 |
| Net charge-offs to loans | 6.4264% | 14 |
| Credit loss provision to net charge-offs | -18.4426% | 5,709 |
| Earnings coverage of net charge-offs (x) | -0.9430% | 5,257 |
| Efficiency ratio | 223.1140% | 20 |
| Assets per employee ($millions) | 4.4243% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0019% | 467 |
| Loan loss allowance to noncurrent loans | 14.6254% | 6,244 |
| Noncurrent assets plus other real estate owned to assets | 22.2150% | 14 |
| Noncurrent loans to loans | 20.5253% | 19 |
| Net loans and leases to total assets | 57.1230% | 4,176 |
| Net loans and leases to deposits | 64.5716% | 4,454 |
| Net loans and leases to core deposits | 66.3417% | 4,669 |
| Total domestic deposits to total assets | 88.4646% | 1,920 |
| Equity capital to assets | 9.6561% | 4,213 |
| Core capital (leverage) ratio | 9.6203% | 4,089 |
| Tier 1 risk-based capital ratio | 12.9274% | 5,030 |
| Total risk-based capital ratio | 14.1901% | 4,973 |
| Memoranda: | ||
| Average total assets | $67,145,400 | 5,562 |
| Average earning assets | $49,173,600 | 5,918 |
| Average equity | $6,833,800 | 5,612 |
| Average total loans | $37,968,200 | 5,425 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 5,056 |
| Cost of funding earning assets | 0.7364% | 1,693 |
| Net interest margin | 3.0051% | 5,580 |
| Noninterest income to average assets | 0.4266% | 4,326 |
| Noninterest expense to average assets | 6.2568% | 180 |
| Loan and lease loss provision to assets | -0.9934% | 6,874 |
| Net operating income to assets | -2.6667% | 6,826 |
| Return on assets (ROA) | -2.6667% | 6,828 |
| Pretax return on assets | -2.6667% | 6,825 |
| Return on Equity (ROE) | -25.9017% | 6,795 |
| Retained earnings to average equity (ytd only) | -25.9017% | 6,784 |
| Net charge-offs to loans | 6.4681% | 14 |
| Credit loss provision to net charge-offs | -27.4194% | 5,661 |
| Earnings coverage of net charge-offs (x) | -1.0102% | 5,014 |
| Efficiency ratio | 240.9602% | 16 |
| Assets per employee ($millions) | 4.5406% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3659% | 182 |
| Loan loss allowance to noncurrent loans | 18.4761% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 24.0573% | 8 |
| Noncurrent loans to loans | 23.6301% | 11 |
| Net loans and leases to total assets | 55.6498% | 4,368 |
| Net loans and leases to deposits | 63.0824% | 4,618 |
| Net loans and leases to core deposits | 65.9803% | 4,716 |
| Total domestic deposits to total assets | 88.2175% | 1,985 |
| Equity capital to assets | 10.2110% | 3,627 |
| Core capital (leverage) ratio | 10.1336% | 3,482 |
| Tier 1 risk-based capital ratio | 13.5580% | 4,721 |
| Total risk-based capital ratio | 14.8362% | 4,658 |
| Memoranda: | ||
| Average total assets | $68,446,750 | 5,579 |
| Average earning assets | $49,425,750 | 5,971 |
| Average equity | $7,047,000 | 5,622 |
| Average total loans | $38,341,000 | 5,468 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 4,868 |
| Cost of funding earning assets | 0.7785% | 1,536 |
| Net interest margin | 3.0098% | 5,547 |
| Noninterest income to average assets | 0.1827% | 6,114 |
| Noninterest expense to average assets | 6.5760% | 169 |
| Loan and lease loss provision to assets | -1.5698% | 6,931 |
| Net operating income to assets | -2.6829% | 6,885 |
| Return on assets (ROA) | -2.6829% | 6,888 |
| Pretax return on assets | -2.6829% | 6,882 |
| Return on Equity (ROE) | -25.9944% | 6,848 |
| Retained earnings to average equity (ytd only) | -25.9944% | 6,830 |
| Net charge-offs to loans | 8.5535% | 11 |
| Credit loss provision to net charge-offs | -33.1525% | 5,514 |
| Earnings coverage of net charge-offs (x) | -0.8981% | 4,707 |
| Efficiency ratio | 283.0467% | 11 |
| Assets per employee ($millions) | 4.1564% | 3,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3618% | 95 |
| Loan loss allowance to noncurrent loans | 49.6369% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 24.7162% | 8 |
| Noncurrent loans to loans | 10.8020% | 129 |
| Net loans and leases to total assets | 47.1633% | 5,411 |
| Net loans and leases to deposits | 53.6778% | 5,545 |
| Net loans and leases to core deposits | 56.2843% | 5,573 |
| Total domestic deposits to total assets | 87.8637% | 2,345 |
| Equity capital to assets | 10.4266% | 3,391 |
| Core capital (leverage) ratio | 10.1065% | 3,361 |
| Tier 1 risk-based capital ratio | 14.0724% | 4,373 |
| Total risk-based capital ratio | 15.3512% | 4,315 |
| Memoranda: | ||
| Average total assets | $70,072,670 | 5,567 |
| Average earning assets | $49,836,670 | 6,000 |
| Average equity | $7,232,330 | 5,621 |
| Average total loans | $38,791,000 | 5,478 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7863% | 4,870 |
| Cost of funding earning assets | 0.7943% | 1,561 |
| Net interest margin | 2.9920% | 5,588 |
| Noninterest income to average assets | -0.0111% | 6,881 |
| Noninterest expense to average assets | 5.9562% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -3.8075% | 6,979 |
| Return on assets (ROA) | -3.8075% | 6,980 |
| Pretax return on assets | -3.8075% | 6,979 |
| Return on Equity (ROE) | -37.0656% | 6,947 |
| Retained earnings to average equity (ytd only) | -37.0656% | 6,923 |
| Net charge-offs to loans | 15.6961% | 4 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.4189% | 3,917 |
| Efficiency ratio | 277.2021% | 17 |
| Assets per employee ($millions) | 4.3605% | 3,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0988% | 72 |
| Loan loss allowance to noncurrent loans | 41.1765% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 25.1863% | 8 |
| Noncurrent loans to loans | 14.8114% | 79 |
| Net loans and leases to total assets | 51.9049% | 4,717 |
| Net loans and leases to deposits | 58.9942% | 4,905 |
| Net loans and leases to core deposits | 60.1575% | 5,137 |
| Total domestic deposits to total assets | 87.9830% | 2,323 |
| Equity capital to assets | 10.3242% | 3,765 |
| Core capital (leverage) ratio | 10.0769% | 3,298 |
| Tier 1 risk-based capital ratio | 13.7676% | 4,681 |
| Total risk-based capital ratio | 15.0587% | 4,609 |
| Memoranda: | ||
| Average total assets | $71,857,500 | 5,567 |
| Average earning assets | $51,871,500 | 5,993 |
| Average equity | $7,381,500 | 5,644 |
| Average total loans | $41,615,500 | 5,391 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 6,026 |
| Cost of funding earning assets | 0.9714% | 1,519 |
| Net interest margin | 2.7401% | 6,465 |
| Noninterest income to average assets | -0.6240% | 7,040 |
| Noninterest expense to average assets | 4.6192% | 508 |
| Loan and lease loss provision to assets | 1.9861% | 107 |
| Net operating income to assets | -5.1085% | 7,061 |
| Return on assets (ROA) | -5.1085% | 7,062 |
| Pretax return on assets | -5.1085% | 7,062 |
| Return on Equity (ROE) | -58.7573% | 7,033 |
| Retained earnings to average equity (ytd only) | -58.7573% | 7,030 |
| Net charge-offs to loans | 5.5540% | 24 |
| Credit loss provision to net charge-offs | 57.7309% | 4,508 |
| Earnings coverage of net charge-offs (x) | -0.9076% | 5,744 |
| Efficiency ratio | 308.6154% | 16 |
| Assets per employee ($millions) | 4.9298% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9218% | 21 |
| Loan loss allowance to noncurrent loans | 45.6734% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 26.7705% | 8 |
| Noncurrent loans to loans | 19.5339% | 31 |
| Net loans and leases to total assets | 55.0137% | 4,450 |
| Net loans and leases to deposits | 62.9678% | 4,665 |
| Net loans and leases to core deposits | 64.5116% | 4,903 |
| Total domestic deposits to total assets | 87.3680% | 2,600 |
| Equity capital to assets | 10.2235% | 3,863 |
| Core capital (leverage) ratio | 9.7259% | 3,766 |
| Tier 1 risk-based capital ratio | 13.5155% | 4,739 |
| Total risk-based capital ratio | 14.8391% | 4,631 |
| Memoranda: | ||
| Average total assets | $86,855,800 | 5,163 |
| Average earning assets | $67,223,200 | 5,511 |
| Average equity | $7,551,400 | 5,620 |
| Average total loans | $53,798,800 | 4,947 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6714% | 6,275 |
| Cost of funding earning assets | 0.9944% | 1,597 |
| Net interest margin | 2.6770% | 6,674 |
| Noninterest income to average assets | -0.7696% | 7,154 |
| Noninterest expense to average assets | 4.3366% | 640 |
| Loan and lease loss provision to assets | 0.7030% | 726 |
| Net operating income to assets | -3.7135% | 7,131 |
| Return on assets (ROA) | -3.7135% | 7,133 |
| Pretax return on assets | -3.7135% | 7,131 |
| Return on Equity (ROE) | -44.3123% | 7,109 |
| Retained earnings to average equity (ytd only) | -44.3123% | 7,102 |
| Net charge-offs to loans | 6.0885% | 22 |
| Credit loss provision to net charge-offs | 18.5474% | 4,976 |
| Earnings coverage of net charge-offs (x) | -0.7942% | 5,552 |
| Efficiency ratio | 327.0089% | 17 |
| Assets per employee ($millions) | 5.7228% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4397% | 55 |
| Loan loss allowance to noncurrent loans | 29.9886% | 6,126 |
| Noncurrent assets plus other real estate owned to assets | 28.2180% | 9 |
| Noncurrent loans to loans | 21.4737% | 31 |
| Net loans and leases to total assets | 57.3397% | 4,235 |
| Net loans and leases to deposits | 65.2761% | 4,564 |
| Net loans and leases to core deposits | 67.4834% | 4,780 |
| Total domestic deposits to total assets | 87.8418% | 2,132 |
| Equity capital to assets | 9.9752% | 4,526 |
| Core capital (leverage) ratio | 9.3163% | 4,553 |
| Tier 1 risk-based capital ratio | 12.7785% | 5,421 |
| Total risk-based capital ratio | 14.0752% | 5,355 |
| Memoranda: | ||
| Average total assets | $90,083,000 | 5,138 |
| Average earning assets | $70,525,000 | 5,471 |
| Average equity | $7,549,250 | 5,681 |
| Average total loans | $56,082,000 | 4,915 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 6,317 |
| Cost of funding earning assets | 1.0196% | 1,653 |
| Net interest margin | 2.6891% | 6,721 |
| Noninterest income to average assets | -0.0557% | 7,059 |
| Noninterest expense to average assets | 3.8820% | 1,097 |
| Loan and lease loss provision to assets | 1.0171% | 433 |
| Net operating income to assets | -2.8200% | 7,147 |
| Return on assets (ROA) | -2.8200% | 7,153 |
| Pretax return on assets | -2.8200% | 7,141 |
| Return on Equity (ROE) | -35.5866% | 7,133 |
| Retained earnings to average equity (ytd only) | -35.5866% | 7,126 |
| Net charge-offs to loans | 6.2628% | 31 |
| Credit loss provision to net charge-offs | 25.9705% | 4,508 |
| Earnings coverage of net charge-offs (x) | -0.4604% | 5,223 |
| Efficiency ratio | 186.7147% | 49 |
| Assets per employee ($millions) | 6.0025% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1162% | 45 |
| Loan loss allowance to noncurrent loans | 32.9415% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 26.0857% | 10 |
| Noncurrent loans to loans | 21.6027% | 36 |
| Net loans and leases to total assets | 56.4639% | 4,398 |
| Net loans and leases to deposits | 65.0814% | 4,632 |
| Net loans and leases to core deposits | 68.2082% | 4,761 |
| Total domestic deposits to total assets | 86.7589% | 2,919 |
| Equity capital to assets | 10.1702% | 4,094 |
| Core capital (leverage) ratio | 10.0250% | 3,390 |
| Tier 1 risk-based capital ratio | 13.8317% | 4,577 |
| Total risk-based capital ratio | 15.1383% | 4,502 |
| Memoranda: | ||
| Average total assets | $93,404,330 | 5,084 |
| Average earning assets | $74,150,000 | 5,390 |
| Average equity | $7,401,670 | 5,743 |
| Average total loans | $58,408,670 | 4,857 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7051% | 6,431 |
| Cost of funding earning assets | 1.1073% | 1,369 |
| Net interest margin | 2.5978% | 6,876 |
| Noninterest income to average assets | 0.0841% | 6,805 |
| Noninterest expense to average assets | 4.2824% | 680 |
| Loan and lease loss provision to assets | 1.5775% | 217 |
| Net operating income to assets | -3.6934% | 7,248 |
| Return on assets (ROA) | -3.6934% | 7,249 |
| Pretax return on assets | -3.6934% | 7,238 |
| Return on Equity (ROE) | -53.8320% | 7,233 |
| Retained earnings to average equity (ytd only) | -53.8320% | 7,223 |
| Net charge-offs to loans | 10.6430% | 17 |
| Credit loss provision to net charge-offs | 23.3936% | 3,733 |
| Earnings coverage of net charge-offs (x) | -0.3138% | 4,470 |
| Efficiency ratio | 197.6699% | 42 |
| Assets per employee ($millions) | 5.5716% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0294% | 51 |
| Loan loss allowance to noncurrent loans | 31.2943% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 25.2339% | 16 |
| Noncurrent loans to loans | 22.4621% | 32 |
| Net loans and leases to total assets | 56.1477% | 4,354 |
| Net loans and leases to deposits | 63.9276% | 4,649 |
| Net loans and leases to core deposits | 69.3024% | 4,524 |
| Total domestic deposits to total assets | 87.8302% | 2,433 |
| Equity capital to assets | 10.1153% | 3,974 |
| Core capital (leverage) ratio | 10.0745% | 3,282 |
| Tier 1 risk-based capital ratio | 14.1380% | 4,365 |
| Total risk-based capital ratio | 15.4464% | 4,296 |
| Memoranda: | ||
| Average total assets | $95,087,500 | 5,061 |
| Average earning assets | $76,219,500 | 5,357 |
| Average equity | $6,524,000 | 6,009 |
| Average total loans | $60,246,000 | 4,809 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6439% | 6,898 |
| Cost of funding earning assets | 1.3940% | 1,068 |
| Net interest margin | 2.2499% | 7,158 |
| Noninterest income to average assets | -0.0020% | 6,999 |
| Noninterest expense to average assets | 7.0155% | 140 |
| Loan and lease loss provision to assets | 7.6191% | 6 |
| Net operating income to assets | -12.7617% | 7,357 |
| Return on assets (ROA) | -12.7617% | 7,357 |
| Pretax return on assets | -12.7617% | 7,356 |
| Return on Equity (ROE) | -201.3607% | 7,346 |
| Retained earnings to average equity (ytd only) | -201.3607% | 7,346 |
| Net charge-offs to loans | 10.2290% | 6 |
| Credit loss provision to net charge-offs | 103.3154% | 3,353 |
| Earnings coverage of net charge-offs (x) | -0.6973% | 6,143 |
| Efficiency ratio | 374.5937% | 17 |
| Assets per employee ($millions) | 5.9661% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2921% | 27 |
| Loan loss allowance to noncurrent loans | 34.9029% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 26.6246% | 17 |
| Noncurrent loans to loans | 23.7577% | 26 |
| Net loans and leases to total assets | 60.8033% | 3,826 |
| Net loans and leases to deposits | 64.6776% | 4,911 |
| Net loans and leases to core deposits | 70.6490% | 4,697 |
| Total domestic deposits to total assets | 94.0099% | 96 |
| Equity capital to assets | 3.6320% | 7,242 |
| Core capital (leverage) ratio | 3.5941% | 7,231 |
| Tier 1 risk-based capital ratio | 4.7849% | 7,251 |
| Total risk-based capital ratio | 6.1087% | 7,249 |
| Memoranda: | ||
| Average total assets | $98,568,000 | 4,929 |
| Average earning assets | $82,136,800 | 5,166 |
| Average equity | $6,247,000 | 6,089 |
| Average total loans | $71,062,400 | 4,450 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 7,059 |
| Cost of funding earning assets | 1.3462% | 1,472 |
| Net interest margin | 2.2053% | 7,257 |
| Noninterest income to average assets | 0.0872% | 6,799 |
| Noninterest expense to average assets | 6.9922% | 140 |
| Loan and lease loss provision to assets | 8.6725% | 6 |
| Net operating income to assets | -13.7241% | 7,435 |
| Return on assets (ROA) | -13.7241% | 7,435 |
| Pretax return on assets | -13.7241% | 7,435 |
| Return on Equity (ROE) | -196.4035% | 7,423 |
| Retained earnings to average equity (ytd only) | -196.4035% | 7,423 |
| Net charge-offs to loans | 12.4389% | 7 |
| Credit loss provision to net charge-offs | 94.8759% | 3,612 |
| Earnings coverage of net charge-offs (x) | -0.5526% | 5,850 |
| Efficiency ratio | 360.3043% | 15 |
| Assets per employee ($millions) | 5.1797% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7301% | 51 |
| Loan loss allowance to noncurrent loans | 26.4494% | 6,434 |
| Noncurrent assets plus other real estate owned to assets | 26.2380% | 17 |
| Noncurrent loans to loans | 25.4454% | 26 |
| Net loans and leases to total assets | 69.2369% | 2,233 |
| Net loans and leases to deposits | 74.8302% | 3,540 |
| Net loans and leases to core deposits | 85.4079% | 2,859 |
| Total domestic deposits to total assets | 92.5253% | 157 |
| Equity capital to assets | 6.2219% | 7,160 |
| Core capital (leverage) ratio | 6.0142% | 7,138 |
| Tier 1 risk-based capital ratio | 7.6749% | 7,211 |
| Total risk-based capital ratio | 8.9851% | 7,210 |
| Memoranda: | ||
| Average total assets | $99,345,750 | 4,942 |
| Average earning assets | $83,494,250 | 5,174 |
| Average equity | $6,942,000 | 5,916 |
| Average total loans | $73,005,750 | 4,416 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 7,125 |
| Cost of funding earning assets | 1.4516% | 1,193 |
| Net interest margin | 2.1096% | 7,339 |
| Noninterest income to average assets | 0.0967% | 6,844 |
| Noninterest expense to average assets | 8.4906% | 101 |
| Loan and lease loss provision to assets | 5.4270% | 37 |
| Net operating income to assets | -12.0435% | 7,505 |
| Return on assets (ROA) | -12.0435% | 7,505 |
| Pretax return on assets | -12.0435% | 7,506 |
| Return on Equity (ROE) | -166.7502% | 7,480 |
| Retained earnings to average equity (ytd only) | -166.7502% | 7,480 |
| Net charge-offs to loans | 15.3681% | 4 |
| Credit loss provision to net charge-offs | 48.2040% | 4,625 |
| Earnings coverage of net charge-offs (x) | -0.5877% | 5,550 |
| Efficiency ratio | 453.0526% | 10 |
| Assets per employee ($millions) | 5.4697% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9941% | 903 |
| Loan loss allowance to noncurrent loans | 11.7233% | 6,923 |
| Noncurrent assets plus other real estate owned to assets | 25.0003% | 24 |
| Noncurrent loans to loans | 25.5398% | 27 |
| Net loans and leases to total assets | 67.4928% | 2,713 |
| Net loans and leases to deposits | 76.4267% | 3,391 |
| Net loans and leases to core deposits | 88.6213% | 2,547 |
| Total domestic deposits to total assets | 88.3104% | 1,956 |
| Equity capital to assets | 10.0767% | 4,050 |
| Core capital (leverage) ratio | 9.9455% | 3,330 |
| Tier 1 risk-based capital ratio | 12.4880% | 5,360 |
| Total risk-based capital ratio | 13.7548% | 5,319 |
| Memoranda: | ||
| Average total assets | $101,382,670 | 4,921 |
| Average earning assets | $85,421,000 | 5,142 |
| Average equity | $7,322,330 | 5,830 |
| Average total loans | $74,270,670 | 4,424 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7975% | 6,953 |
| Cost of funding earning assets | 1.4794% | 1,259 |
| Net interest margin | 2.3181% | 7,306 |
| Noninterest income to average assets | 0.1828% | 6,416 |
| Noninterest expense to average assets | 5.3828% | 277 |
| Loan and lease loss provision to assets | 0.7195% | 1,178 |
| Net operating income to assets | -3.9632% | 7,444 |
| Return on assets (ROA) | -3.9632% | 7,448 |
| Pretax return on assets | -3.9632% | 7,433 |
| Return on Equity (ROE) | -67.6739% | 7,462 |
| Retained earnings to average equity (ytd only) | -67.6739% | 7,454 |
| Net charge-offs to loans | 0.7673% | 1,677 |
| Credit loss provision to net charge-offs | 125.0000% | 2,194 |
| Earnings coverage of net charge-offs (x) | -5.6351% | 5,031 |
| Efficiency ratio | 251.6364% | 35 |
| Assets per employee ($millions) | 6.9685% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6256% | 76 |
| Loan loss allowance to noncurrent loans | 23.8059% | 6,617 |
| Noncurrent assets plus other real estate owned to assets | 27.7170% | 13 |
| Noncurrent loans to loans | 27.8317% | 19 |
| Net loans and leases to total assets | 68.0057% | 2,547 |
| Net loans and leases to deposits | 72.5883% | 3,974 |
| Net loans and leases to core deposits | 119.1242% | 441 |
| Total domestic deposits to total assets | 93.6869% | 90 |
| Equity capital to assets | 5.2617% | 7,356 |
| Core capital (leverage) ratio | 5.5074% | 7,312 |
| Tier 1 risk-based capital ratio | 6.5676% | 7,400 |
| Total risk-based capital ratio | 7.8768% | 7,398 |
| Memoranda: | ||
| Average total assets | $102,846,500 | 4,923 |
| Average earning assets | $86,794,500 | 5,130 |
| Average equity | $6,023,000 | 6,243 |
| Average total loans | $77,155,500 | 4,353 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 7,246 |
| Cost of funding earning assets | 1.7087% | 1,561 |
| Net interest margin | 2.1064% | 7,429 |
| Noninterest income to average assets | 0.1387% | 6,698 |
| Noninterest expense to average assets | 3.3744% | 2,515 |
| Loan and lease loss provision to assets | 3.0166% | 311 |
| Net operating income to assets | -4.3766% | 7,478 |
| Return on assets (ROA) | -4.3383% | 7,489 |
| Pretax return on assets | -4.3383% | 7,483 |
| Return on Equity (ROE) | -48.8972% | 7,414 |
| Retained earnings to average equity (ytd only) | -48.8972% | 7,411 |
| Net charge-offs to loans | 2.4143% | 783 |
| Credit loss provision to net charge-offs | 156.0434% | 2,263 |
| Earnings coverage of net charge-offs (x) | -0.7035% | 6,528 |
| Efficiency ratio | 167.5125% | 141 |
| Assets per employee ($millions) | 6.7443% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4043% | 86 |
| Loan loss allowance to noncurrent loans | 24.4435% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 28.0472% | 14 |
| Noncurrent loans to loans | 26.2004% | 32 |
| Net loans and leases to total assets | 72.3323% | 2,022 |
| Net loans and leases to deposits | 78.3408% | 3,460 |
| Net loans and leases to core deposits | 95.8930% | 2,029 |
| Total domestic deposits to total assets | 92.3304% | 214 |
| Equity capital to assets | 6.4706% | 7,261 |
| Core capital (leverage) ratio | 6.2740% | 7,250 |
| Tier 1 risk-based capital ratio | 7.5782% | 7,381 |
| Total risk-based capital ratio | 8.8848% | 7,381 |
| Memoranda: | ||
| Average total assets | $109,559,000 | 4,728 |
| Average earning assets | $97,560,400 | 4,787 |
| Average equity | $9,720,400 | 5,204 |
| Average total loans | $87,725,600 | 4,111 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 7,427 |
| Cost of funding earning assets | 1.7418% | 1,663 |
| Net interest margin | 2.0120% | 7,576 |
| Noninterest income to average assets | 0.1122% | 6,983 |
| Noninterest expense to average assets | 3.1154% | 3,264 |
| Loan and lease loss provision to assets | 0.6806% | 2,241 |
| Net operating income to assets | -1.8700% | 7,204 |
| Return on assets (ROA) | -1.8198% | 7,202 |
| Pretax return on assets | -1.8198% | 7,144 |
| Return on Equity (ROE) | -19.3261% | 7,205 |
| Retained earnings to average equity (ytd only) | -19.3261% | 7,187 |
| Net charge-offs to loans | 0.7812% | 2,482 |
| Credit loss provision to net charge-offs | 107.9545% | 3,947 |
| Earnings coverage of net charge-offs (x) | -1.8864% | 6,528 |
| Efficiency ratio | 161.7483% | 159 |
| Assets per employee ($millions) | 7.5214% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4982% | 250 |
| Loan loss allowance to noncurrent loans | 14.4104% | 7,087 |
| Noncurrent assets plus other real estate owned to assets | 28.3887% | 13 |
| Noncurrent loans to loans | 31.2151% | 16 |
| Net loans and leases to total assets | 77.8678% | 1,061 |
| Net loans and leases to deposits | 86.6231% | 2,213 |
| Net loans and leases to core deposits | 113.7542% | 848 |
| Total domestic deposits to total assets | 89.8926% | 932 |
| Equity capital to assets | 9.2660% | 5,195 |
| Core capital (leverage) ratio | 9.1343% | 4,477 |
| Tier 1 risk-based capital ratio | 10.7852% | 6,558 |
| Total risk-based capital ratio | 12.0721% | 6,507 |
| Memoranda: | ||
| Average total assets | $111,657,500 | 4,725 |
| Average earning assets | $100,660,750 | 4,765 |
| Average equity | $10,514,000 | 5,053 |
| Average total loans | $90,111,500 | 4,110 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 7,512 |
| Cost of funding earning assets | 1.8185% | 1,575 |
| Net interest margin | 1.9215% | 7,662 |
| Noninterest income to average assets | 0.0545% | 7,314 |
| Noninterest expense to average assets | 3.1008% | 3,315 |
| Loan and lease loss provision to assets | 0.6504% | 2,212 |
| Net operating income to assets | -1.9582% | 7,292 |
| Return on assets (ROA) | -1.8844% | 7,286 |
| Pretax return on assets | -1.8844% | 7,205 |
| Return on Equity (ROE) | -19.9139% | 7,277 |
| Retained earnings to average equity (ytd only) | -19.9139% | 7,256 |
| Net charge-offs to loans | 1.1559% | 1,639 |
| Credit loss provision to net charge-offs | 69.9433% | 4,965 |
| Earnings coverage of net charge-offs (x) | -1.4064% | 6,169 |
| Efficiency ratio | 172.9412% | 142 |
| Assets per employee ($millions) | 6.7411% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1599% | 321 |
| Loan loss allowance to noncurrent loans | 14.2790% | 7,163 |
| Noncurrent assets plus other real estate owned to assets | 26.6387% | 16 |
| Noncurrent loans to loans | 29.1332% | 21 |
| Net loans and leases to total assets | 78.2000% | 1,080 |
| Net loans and leases to deposits | 87.9519% | 2,176 |
| Net loans and leases to core deposits | 114.6849% | 892 |
| Total domestic deposits to total assets | 88.9123% | 1,488 |
| Equity capital to assets | 9.4661% | 4,755 |
| Core capital (leverage) ratio | 9.1523% | 4,372 |
| Tier 1 risk-based capital ratio | 10.9869% | 6,245 |
| Total risk-based capital ratio | 12.2704% | 6,204 |
| Memoranda: | ||
| Average total assets | $113,777,000 | 4,710 |
| Average earning assets | $102,939,670 | 4,723 |
| Average equity | $10,766,330 | 4,983 |
| Average total loans | $91,530,000 | 4,113 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6246% | 7,670 |
| Cost of funding earning assets | 1.8482% | 1,667 |
| Net interest margin | 1.7764% | 7,782 |
| Noninterest income to average assets | 0.1919% | 6,593 |
| Noninterest expense to average assets | 3.0804% | 3,347 |
| Loan and lease loss provision to assets | 0.1713% | 4,813 |
| Net operating income to assets | -1.4494% | 7,313 |
| Return on assets (ROA) | -1.3843% | 7,301 |
| Pretax return on assets | -1.3843% | 7,218 |
| Return on Equity (ROE) | -14.6317% | 7,305 |
| Retained earnings to average equity (ytd only) | -14.6317% | 7,197 |
| Net charge-offs to loans | 0.6174% | 2,272 |
| Credit loss provision to net charge-offs | 34.7222% | 4,745 |
| Earnings coverage of net charge-offs (x) | -2.5903% | 5,495 |
| Efficiency ratio | 170.9125% | 140 |
| Assets per employee ($millions) | 6.6855% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0440% | 362 |
| Loan loss allowance to noncurrent loans | 13.9797% | 7,235 |
| Noncurrent assets plus other real estate owned to assets | 26.3229% | 19 |
| Noncurrent loans to loans | 28.9279% | 25 |
| Net loans and leases to total assets | 77.7887% | 1,189 |
| Net loans and leases to deposits | 86.8288% | 2,443 |
| Net loans and leases to core deposits | 115.6094% | 962 |
| Total domestic deposits to total assets | 89.5886% | 1,183 |
| Equity capital to assets | 9.5333% | 4,477 |
| Core capital (leverage) ratio | 9.3637% | 3,959 |
| Tier 1 risk-based capital ratio | 11.0660% | 6,100 |
| Total risk-based capital ratio | 12.3481% | 6,036 |
| Memoranda: | ||
| Average total assets | $116,736,500 | 4,701 |
| Average earning assets | $105,831,000 | 4,710 |
| Average equity | $11,044,500 | 4,966 |
| Average total loans | $93,292,000 | 4,136 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1236% | 7,640 |
| Cost of funding earning assets | 2.5905% | 805 |
| Net interest margin | 1.5331% | 7,859 |
| Noninterest income to average assets | 0.2522% | 6,300 |
| Noninterest expense to average assets | 2.8216% | 4,882 |
| Loan and lease loss provision to assets | 2.4677% | 808 |
| Net operating income to assets | -3.6294% | 7,534 |
| Return on assets (ROA) | -3.6301% | 7,542 |
| Pretax return on assets | -3.6301% | 7,448 |
| Return on Equity (ROE) | -35.0827% | 7,491 |
| Retained earnings to average equity (ytd only) | -35.0827% | 7,480 |
| Net charge-offs to loans | 1.7081% | 1,476 |
| Credit loss provision to net charge-offs | 180.1700% | 2,306 |
| Earnings coverage of net charge-offs (x) | -0.8482% | 6,849 |
| Efficiency ratio | 169.9860% | 222 |
| Assets per employee ($millions) | 7.4887% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0446% | 351 |
| Loan loss allowance to noncurrent loans | 15.0696% | 7,259 |
| Noncurrent assets plus other real estate owned to assets | 23.6490% | 29 |
| Noncurrent loans to loans | 26.8391% | 28 |
| Net loans and leases to total assets | 75.6374% | 1,894 |
| Net loans and leases to deposits | 84.2268% | 3,211 |
| Net loans and leases to core deposits | 150.6575% | 496 |
| Total domestic deposits to total assets | 89.8021% | 1,057 |
| Equity capital to assets | 9.3925% | 4,570 |
| Core capital (leverage) ratio | 9.1917% | 4,133 |
| Tier 1 risk-based capital ratio | 11.0962% | 5,836 |
| Total risk-based capital ratio | 12.3777% | 5,750 |
| Memoranda: | ||
| Average total assets | $128,865,200 | 4,359 |
| Average earning assets | $118,318,600 | 4,347 |
| Average equity | $13,334,200 | 4,421 |
| Average total loans | $103,333,600 | 3,862 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2052% | 7,720 |
| Cost of funding earning assets | 2.7541% | 679 |
| Net interest margin | 1.4511% | 7,956 |
| Noninterest income to average assets | 0.3355% | 5,802 |
| Noninterest expense to average assets | 2.6172% | 5,655 |
| Loan and lease loss provision to assets | 3.0809% | 470 |
| Net operating income to assets | -4.0276% | 7,755 |
| Return on assets (ROA) | -3.9777% | 7,750 |
| Pretax return on assets | -3.9777% | 7,686 |
| Return on Equity (ROE) | -37.6482% | 7,730 |
| Retained earnings to average equity (ytd only) | -37.6482% | 7,723 |
| Net charge-offs to loans | 1.6623% | 1,221 |
| Credit loss provision to net charge-offs | 230.2432% | 1,895 |
| Earnings coverage of net charge-offs (x) | -0.7074% | 6,565 |
| Efficiency ratio | 156.6646% | 282 |
| Assets per employee ($millions) | 7.7789% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2345% | 251 |
| Loan loss allowance to noncurrent loans | 19.1157% | 7,133 |
| Noncurrent assets plus other real estate owned to assets | 19.8414% | 49 |
| Noncurrent loans to loans | 22.1520% | 48 |
| Net loans and leases to total assets | 74.8630% | 2,275 |
| Net loans and leases to deposits | 83.7861% | 3,685 |
| Net loans and leases to core deposits | 139.7654% | 928 |
| Total domestic deposits to total assets | 89.3502% | 1,040 |
| Equity capital to assets | 9.6752% | 4,525 |
| Core capital (leverage) ratio | 9.1582% | 4,403 |
| Tier 1 risk-based capital ratio | 11.4519% | 5,478 |
| Total risk-based capital ratio | 12.7352% | 5,390 |
| Memoranda: | ||
| Average total assets | $131,126,750 | 4,353 |
| Average earning assets | $120,640,500 | 4,330 |
| Average equity | $13,854,250 | 4,322 |
| Average total loans | $105,555,000 | 3,833 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4292% | 7,692 |
| Cost of funding earning assets | 2.7778% | 836 |
| Net interest margin | 1.6514% | 7,973 |
| Noninterest income to average assets | 0.2910% | 6,193 |
| Noninterest expense to average assets | 2.5152% | 6,071 |
| Loan and lease loss provision to assets | 2.7072% | 568 |
| Net operating income to assets | -3.4076% | 7,752 |
| Return on assets (ROA) | -3.4076% | 7,754 |
| Pretax return on assets | -3.4076% | 7,664 |
| Return on Equity (ROE) | -31.4282% | 7,735 |
| Retained earnings to average equity (ytd only) | -31.4282% | 7,711 |
| Net charge-offs to loans | 1.5364% | 1,233 |
| Credit loss provision to net charge-offs | 216.9471% | 2,119 |
| Earnings coverage of net charge-offs (x) | -0.5613% | 6,105 |
| Efficiency ratio | 138.5950% | 445 |
| Assets per employee ($millions) | 5.7287% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2329% | 473 |
| Loan loss allowance to noncurrent loans | 16.5767% | 7,307 |
| Noncurrent assets plus other real estate owned to assets | 16.9400% | 75 |
| Noncurrent loans to loans | 19.5029% | 57 |
| Net loans and leases to total assets | 76.7378% | 2,003 |
| Net loans and leases to deposits | 88.7264% | 3,050 |
| Net loans and leases to core deposits | 156.1360% | 516 |
| Total domestic deposits to total assets | 86.4882% | 2,513 |
| Equity capital to assets | 10.3727% | 3,545 |
| Core capital (leverage) ratio | 10.1576% | 3,144 |
| Tier 1 risk-based capital ratio | 12.4450% | 4,562 |
| Total risk-based capital ratio | 13.7177% | 4,467 |
| Memoranda: | ||
| Average total assets | $133,348,330 | 4,321 |
| Average earning assets | $123,046,670 | 4,290 |
| Average equity | $14,458,330 | 4,206 |
| Average total loans | $108,308,000 | 3,803 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5767% | 7,639 |
| Cost of funding earning assets | 2.8184% | 934 |
| Net interest margin | 1.7583% | 7,984 |
| Noninterest income to average assets | 0.2058% | 6,818 |
| Noninterest expense to average assets | 2.5108% | 5,799 |
| Loan and lease loss provision to assets | 1.0586% | 1,238 |
| Net operating income to assets | -1.7414% | 7,587 |
| Return on assets (ROA) | -1.7414% | 7,589 |
| Pretax return on assets | -1.7414% | 7,453 |
| Return on Equity (ROE) | -15.7264% | 7,638 |
| Retained earnings to average equity (ytd only) | -15.7264% | 7,478 |
| Net charge-offs to loans | 0.9871% | 1,365 |
| Credit loss provision to net charge-offs | 130.5147% | 3,066 |
| Earnings coverage of net charge-offs (x) | -0.8419% | 5,333 |
| Efficiency ratio | 137.3573% | 435 |
| Assets per employee ($millions) | 5.3157% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2568% | 1,004 |
| Loan loss allowance to noncurrent loans | 18.5769% | 7,239 |
| Noncurrent assets plus other real estate owned to assets | 11.4189% | 163 |
| Noncurrent loans to loans | 12.1484% | 170 |
| Net loans and leases to total assets | 77.9667% | 1,832 |
| Net loans and leases to deposits | 107.6203% | 752 |
| Net loans and leases to core deposits | 190.2960% | 179 |
| Total domestic deposits to total assets | 72.4461% | 7,144 |
| Equity capital to assets | 10.5442% | 3,421 |
| Core capital (leverage) ratio | 10.8034% | 2,650 |
| Tier 1 risk-based capital ratio | 12.4877% | 4,561 |
| Total risk-based capital ratio | 13.7485% | 4,469 |
| Memoranda: | ||
| Average total assets | $134,143,000 | 4,325 |
| Average earning assets | $123,758,500 | 4,291 |
| Average equity | $14,854,000 | 4,164 |
| Average total loans | $110,218,500 | 3,785 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7141% | 6,733 |
| Cost of funding earning assets | 3.5462% | 458 |
| Net interest margin | 2.1679% | 7,977 |
| Noninterest income to average assets | 0.2730% | 6,503 |
| Noninterest expense to average assets | 3.0881% | 3,747 |
| Loan and lease loss provision to assets | 1.7777% | 712 |
| Net operating income to assets | -2.6095% | 7,735 |
| Return on assets (ROA) | -2.6009% | 7,704 |
| Pretax return on assets | -2.5733% | 7,610 |
| Return on Equity (ROE) | -17.5946% | 7,693 |
| Retained earnings to average equity (ytd only) | -17.5946% | 7,600 |
| Net charge-offs to loans | 0.8760% | 1,421 |
| Credit loss provision to net charge-offs | 241.2661% | 1,939 |
| Earnings coverage of net charge-offs (x) | -1.0914% | 6,606 |
| Efficiency ratio | 135.2118% | 432 |
| Assets per employee ($millions) | 5.2031% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1826% | 967 |
| Loan loss allowance to noncurrent loans | 18.7993% | 7,282 |
| Noncurrent assets plus other real estate owned to assets | 11.1495% | 120 |
| Noncurrent loans to loans | 11.6097% | 142 |
| Net loans and leases to total assets | 82.8640% | 1,066 |
| Net loans and leases to deposits | 99.3538% | 1,930 |
| Net loans and leases to core deposits | 165.7624% | 479 |
| Total domestic deposits to total assets | 83.4029% | 3,612 |
| Equity capital to assets | 11.6354% | 2,542 |
| Core capital (leverage) ratio | 11.6534% | 2,154 |
| Tier 1 risk-based capital ratio | 13.3105% | 3,927 |
| Total risk-based capital ratio | 14.5709% | 3,820 |
| Memoranda: | ||
| Average total assets | $115,767,400 | 4,613 |
| Average earning assets | $107,383,000 | 4,584 |
| Average equity | $17,113,200 | 3,718 |
| Average total loans | $97,374,200 | 4,020 |