Home > The Southern Bank Company > Performance and Condition Ratios
The Southern Bank Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2765% | 84 |
| Cost of funding earning assets | 1.4338% | 2,136 |
| Net interest margin | 7.8427% | 35 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 5.3631% | 205 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9106% | 521 |
| Return on assets (ROA) | 1.9106% | 504 |
| Pretax return on assets | 2.5521% | 321 |
| Return on Equity (ROE) | 18.1700% | 796 |
| Retained earnings to average equity (ytd only) | 18.1733% | 186 |
| Net charge-offs to loans | 0.1481% | 692 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 33.2024% | 1,568 |
| Efficiency ratio | 67.7572% | 2,137 |
| Assets per employee ($millions) | 3.4462% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 578 |
| Loan loss allowance to noncurrent loans | 382.2835% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 2,067 |
| Noncurrent loans to loans | 0.4600% | 1,631 |
| Net loans and leases to total assets | 49.1900% | 3,644 |
| Net loans and leases to deposits | 59.6827% | 3,544 |
| Net loans and leases to core deposits | 72.6366% | 3,147 |
| Total domestic deposits to total assets | 82.4200% | 3,045 |
| Equity capital to assets | 11.9543% | 1,137 |
| Core capital (leverage) ratio | 16.0791% | 480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $109,283,200 | 3,747 |
| Average earning assets | $102,872,800 | 3,715 |
| Average equity | $11,489,400 | 3,576 |
| Average total loans | $56,699,800 | 3,746 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2116% | 82 |
| Cost of funding earning assets | 1.3290% | 2,067 |
| Net interest margin | 7.8826% | 32 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 5.3009% | 211 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.9761% | 517 |
| Return on assets (ROA) | 1.9761% | 508 |
| Pretax return on assets | 2.6303% | 336 |
| Return on Equity (ROE) | 19.4700% | 778 |
| Retained earnings to average equity (ytd only) | 19.4706% | 280 |
| Net charge-offs to loans | 0.0234% | 1,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 215.1000% | 568 |
| Efficiency ratio | 66.8363% | 2,171 |
| Assets per employee ($millions) | 3.3128% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8787% | 496 |
| Loan loss allowance to noncurrent loans | 193.8776% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 1,143 |
| Noncurrent loans to loans | 0.9690% | 846 |
| Net loans and leases to total assets | 51.4900% | 3,530 |
| Net loans and leases to deposits | 61.8803% | 3,403 |
| Net loans and leases to core deposits | 72.2480% | 3,092 |
| Total domestic deposits to total assets | 83.2000% | 2,980 |
| Equity capital to assets | 10.7992% | 1,432 |
| Core capital (leverage) ratio | 15.3707% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $109,034,500 | 3,766 |
| Average earning assets | $102,332,500 | 3,736 |
| Average equity | $11,066,000 | 3,609 |
| Average total loans | $57,070,750 | 3,755 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3501% | 73 |
| Cost of funding earning assets | 1.2288% | 1,906 |
| Net interest margin | 8.1213% | 34 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 5.1162% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.2682% | 319 |
| Return on assets (ROA) | 2.2682% | 311 |
| Pretax return on assets | 3.0043% | 208 |
| Return on Equity (ROE) | 22.8200% | 496 |
| Retained earnings to average equity (ytd only) | 22.8181% | 168 |
| Net charge-offs to loans | 0.0209% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 275.5000% | 485 |
| Efficiency ratio | 63.0036% | 2,591 |
| Assets per employee ($millions) | 3.7582% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 542 |
| Loan loss allowance to noncurrent loans | 177.4958% | 2,735 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 1,003 |
| Noncurrent loans to loans | 1.0441% | 711 |
| Net loans and leases to total assets | 50.9700% | 3,492 |
| Net loans and leases to deposits | 60.7692% | 3,371 |
| Net loans and leases to core deposits | 73.7583% | 2,910 |
| Total domestic deposits to total assets | 83.8800% | 2,852 |
| Equity capital to assets | 10.6461% | 1,530 |
| Core capital (leverage) ratio | 14.8886% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $110,043,333 | 3,771 |
| Average earning assets | $102,865,000 | 3,751 |
| Average equity | $10,938,667 | 3,637 |
| Average total loans | $57,553,000 | 3,759 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4675% | 48 |
| Cost of funding earning assets | 1.1036% | 1,742 |
| Net interest margin | 7.3639% | 36 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 5.0610% | 223 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6749% | 860 |
| Return on assets (ROA) | 1.6749% | 859 |
| Pretax return on assets | 2.2646% | 519 |
| Return on Equity (ROE) | 17.4600% | 1,105 |
| Retained earnings to average equity (ytd only) | 17.4610% | 562 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.0864% | 1,848 |
| Assets per employee ($millions) | 3.6842% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8706% | 571 |
| Loan loss allowance to noncurrent loans | 145.3168% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 756 |
| Noncurrent loans to loans | 1.2872% | 521 |
| Net loans and leases to total assets | 50.0700% | 3,488 |
| Net loans and leases to deposits | 61.7325% | 3,243 |
| Net loans and leases to core deposits | 74.5879% | 2,640 |
| Total domestic deposits to total assets | 81.1100% | 3,621 |
| Equity capital to assets | 10.0746% | 1,780 |
| Core capital (leverage) ratio | 14.1687% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $110,571,000 | 3,818 |
| Average earning assets | $102,934,500 | 3,794 |
| Average equity | $10,606,500 | 3,713 |
| Average total loans | $58,028,000 | 3,791 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8097% | 29 |
| Cost of funding earning assets | 0.4719% | 1,575 |
| Net interest margin | 7.3378% | 26 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 4.5432% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.0098% | 294 |
| Return on assets (ROA) | 2.0098% | 283 |
| Pretax return on assets | 2.7194% | 162 |
| Return on Equity (ROE) | 21.8000% | 349 |
| Retained earnings to average equity (ytd only) | 21.7994% | 62 |
| Net charge-offs to loans | -0.2756% | 4,660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.5561% | 2,693 |
| Assets per employee ($millions) | 3.9506% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 700 |
| Loan loss allowance to noncurrent loans | 137.5489% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 697 |
| Noncurrent loans to loans | 1.2857% | 536 |
| Net loans and leases to total assets | 52.9800% | 3,285 |
| Net loans and leases to deposits | 66.5421% | 2,852 |
| Net loans and leases to core deposits | 75.5041% | 2,462 |
| Total domestic deposits to total assets | 79.6100% | 3,931 |
| Equity capital to assets | 9.1108% | 2,287 |
| Core capital (leverage) ratio | 13.5202% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $113,443,600 | 3,795 |
| Average earning assets | $105,522,600 | 3,781 |
| Average equity | $10,459,000 | 3,815 |
| Average total loans | $58,063,400 | 3,767 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6046% | 28 |
| Cost of funding earning assets | 0.4069% | 1,242 |
| Net interest margin | 7.1977% | 26 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 4.4899% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9471% | 314 |
| Return on assets (ROA) | 1.9471% | 310 |
| Pretax return on assets | 2.6351% | 187 |
| Return on Equity (ROE) | 21.0600% | 350 |
| Retained earnings to average equity (ytd only) | 21.0589% | 82 |
| Net charge-offs to loans | -0.3723% | 4,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.0164% | 2,683 |
| Assets per employee ($millions) | 4.0076% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8021% | 724 |
| Loan loss allowance to noncurrent loans | 142.4528% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 796 |
| Noncurrent loans to loans | 1.2650% | 579 |
| Net loans and leases to total assets | 51.3300% | 3,356 |
| Net loans and leases to deposits | 61.2041% | 3,091 |
| Net loans and leases to core deposits | 67.5787% | 2,836 |
| Total domestic deposits to total assets | 83.8700% | 3,529 |
| Equity capital to assets | 8.2130% | 2,744 |
| Core capital (leverage) ratio | 12.7709% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $114,150,500 | 3,810 |
| Average earning assets | $106,160,750 | 3,791 |
| Average equity | $10,554,250 | 3,857 |
| Average total loans | $57,665,250 | 3,791 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1920% | 31 |
| Cost of funding earning assets | 0.4074% | 874 |
| Net interest margin | 6.7846% | 32 |
| Noninterest income to average assets | 0.4390% | 2,512 |
| Noninterest expense to average assets | 4.2667% | 242 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8241% | 322 |
| Return on assets (ROA) | 1.8241% | 317 |
| Pretax return on assets | 2.4687% | 171 |
| Return on Equity (ROE) | 19.0358% | 384 |
| Retained earnings to average equity (ytd only) | 19.0358% | 95 |
| Net charge-offs to loans | -0.5616% | 4,699 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3471% | 2,858 |
| Assets per employee ($millions) | 4.4535% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8171% | 791 |
| Loan loss allowance to noncurrent loans | 127.3494% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7168% | 747 |
| Noncurrent loans to loans | 1.4269% | 528 |
| Net loans and leases to total assets | 49.3242% | 3,439 |
| Net loans and leases to deposits | 58.5546% | 3,176 |
| Net loans and leases to core deposits | 64.0560% | 2,965 |
| Total domestic deposits to total assets | 84.2363% | 3,640 |
| Equity capital to assets | 8.7364% | 2,586 |
| Core capital (leverage) ratio | 12.0584% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,796,333 | 3,845 |
| Average earning assets | $106,535,000 | 3,841 |
| Average equity | $11,000,333 | 3,891 |
| Average total loans | $57,335,333 | 3,839 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9284% | 36 |
| Cost of funding earning assets | 0.4051% | 839 |
| Net interest margin | 6.5233% | 37 |
| Noninterest income to average assets | 0.3920% | 2,745 |
| Noninterest expense to average assets | 4.2415% | 235 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.6518% | 455 |
| Return on assets (ROA) | 1.6518% | 457 |
| Pretax return on assets | 2.2362% | 246 |
| Return on Equity (ROE) | 16.4999% | 482 |
| Retained earnings to average equity (ytd only) | 16.4999% | 208 |
| Net charge-offs to loans | 0.0632% | 694 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 71.0000% | 789 |
| Efficiency ratio | 65.4781% | 2,838 |
| Assets per employee ($millions) | 4.1397% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5622% | 1,373 |
| Loan loss allowance to noncurrent loans | 101.3714% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 739 |
| Noncurrent loans to loans | 1.5410% | 528 |
| Net loans and leases to total assets | 48.2206% | 3,365 |
| Net loans and leases to deposits | 56.6740% | 3,200 |
| Net loans and leases to core deposits | 62.0902% | 2,966 |
| Total domestic deposits to total assets | 85.0842% | 3,525 |
| Equity capital to assets | 9.1993% | 2,526 |
| Core capital (leverage) ratio | 10.8693% | 1,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,299,000 | 3,869 |
| Average earning assets | $106,633,000 | 3,853 |
| Average equity | $11,442,500 | 3,913 |
| Average total loans | $56,918,000 | 3,848 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6377% | 115 |
| Cost of funding earning assets | 0.5280% | 796 |
| Net interest margin | 5.1097% | 120 |
| Noninterest income to average assets | 0.3511% | 3,334 |
| Noninterest expense to average assets | 3.9160% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8990% | 3,051 |
| Return on assets (ROA) | 0.8990% | 3,108 |
| Pretax return on assets | 1.2118% | 2,623 |
| Return on Equity (ROE) | 8.4564% | 3,091 |
| Retained earnings to average equity (ytd only) | 8.4564% | 1,362 |
| Net charge-offs to loans | -0.1206% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3684% | 1,076 |
| Assets per employee ($millions) | 4.3341% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,332 |
| Loan loss allowance to noncurrent loans | 85.9060% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.9256% | 620 |
| Noncurrent loans to loans | 1.8280% | 459 |
| Net loans and leases to total assets | 49.8372% | 3,300 |
| Net loans and leases to deposits | 59.1937% | 3,147 |
| Net loans and leases to core deposits | 64.8963% | 2,910 |
| Total domestic deposits to total assets | 84.1934% | 3,510 |
| Equity capital to assets | 10.8460% | 1,908 |
| Core capital (leverage) ratio | 10.6830% | 1,773 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,231,000 | 3,876 |
| Average earning assets | $104,918,000 | 3,856 |
| Average equity | $11,931,800 | 3,938 |
| Average total loans | $55,573,200 | 3,901 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2595% | 205 |
| Cost of funding earning assets | 0.5551% | 810 |
| Net interest margin | 4.7044% | 223 |
| Noninterest income to average assets | 0.3342% | 3,434 |
| Noninterest expense to average assets | 3.8376% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6624% | 3,865 |
| Return on assets (ROA) | 0.6624% | 3,917 |
| Pretax return on assets | 0.8907% | 3,715 |
| Return on Equity (ROE) | 6.2622% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.2622% | 2,717 |
| Net charge-offs to loans | -0.1618% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1620% | 691 |
| Assets per employee ($millions) | 4.1193% | 4,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 1,217 |
| Loan loss allowance to noncurrent loans | 76.2553% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.0565% | 609 |
| Noncurrent loans to loans | 2.1682% | 383 |
| Net loans and leases to total assets | 47.9203% | 3,634 |
| Net loans and leases to deposits | 56.4976% | 3,534 |
| Net loans and leases to core deposits | 62.3160% | 3,281 |
| Total domestic deposits to total assets | 84.8184% | 3,174 |
| Equity capital to assets | 10.8092% | 2,157 |
| Core capital (leverage) ratio | 10.4509% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,117,000 | 3,923 |
| Average earning assets | $104,721,500 | 3,902 |
| Average equity | $11,859,250 | 3,997 |
| Average total loans | $55,202,500 | 3,961 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0623% | 311 |
| Cost of funding earning assets | 0.5829% | 808 |
| Net interest margin | 4.4794% | 366 |
| Noninterest income to average assets | 0.3060% | 3,601 |
| Noninterest expense to average assets | 3.7593% | 347 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5569% | 4,085 |
| Return on assets (ROA) | 0.5569% | 4,136 |
| Pretax return on assets | 0.7437% | 3,983 |
| Return on Equity (ROE) | 5.3028% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.3028% | 3,071 |
| Net charge-offs to loans | 0.0072% | 1,873 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 484 |
| Efficiency ratio | 83.4848% | 581 |
| Assets per employee ($millions) | 4.3410% | 4,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,588 |
| Loan loss allowance to noncurrent loans | 66.6935% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.0986% | 674 |
| Noncurrent loans to loans | 2.2509% | 394 |
| Net loans and leases to total assets | 48.0756% | 3,718 |
| Net loans and leases to deposits | 57.5390% | 3,587 |
| Net loans and leases to core deposits | 63.1993% | 3,362 |
| Total domestic deposits to total assets | 83.5531% | 3,559 |
| Equity capital to assets | 10.5993% | 2,313 |
| Core capital (leverage) ratio | 10.1969% | 2,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,416,000 | 3,943 |
| Average earning assets | $105,327,333 | 3,920 |
| Average equity | $11,805,000 | 4,012 |
| Average total loans | $55,539,000 | 3,977 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 331 |
| Cost of funding earning assets | 0.6372% | 739 |
| Net interest margin | 4.4032% | 424 |
| Noninterest income to average assets | 0.2603% | 3,838 |
| Noninterest expense to average assets | 3.7008% | 369 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4956% | 4,183 |
| Return on assets (ROA) | 0.4956% | 4,224 |
| Pretax return on assets | 0.6739% | 4,069 |
| Return on Equity (ROE) | 4.7416% | 4,141 |
| Retained earnings to average equity (ytd only) | 4.7416% | 3,302 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5966% | 566 |
| Assets per employee ($millions) | 4.1495% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 1,448 |
| Loan loss allowance to noncurrent loans | 61.9119% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 1.1951% | 623 |
| Noncurrent loans to loans | 2.4926% | 372 |
| Net loans and leases to total assets | 47.2067% | 3,880 |
| Net loans and leases to deposits | 55.2146% | 3,849 |
| Net loans and leases to core deposits | 61.3441% | 3,621 |
| Total domestic deposits to total assets | 85.4968% | 2,927 |
| Equity capital to assets | 10.2073% | 2,515 |
| Core capital (leverage) ratio | 10.0510% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,191,000 | 3,951 |
| Average earning assets | $104,833,500 | 3,927 |
| Average equity | $11,726,000 | 4,030 |
| Average total loans | $55,764,500 | 3,996 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 273 |
| Cost of funding earning assets | 1.0618% | 471 |
| Net interest margin | 4.2233% | 604 |
| Noninterest income to average assets | 0.3418% | 3,418 |
| Noninterest expense to average assets | 3.9462% | 397 |
| Loan and lease loss provision to assets | 0.0397% | 3,907 |
| Net operating income to assets | 0.2092% | 4,564 |
| Return on assets (ROA) | 0.2788% | 4,530 |
| Pretax return on assets | 0.3795% | 4,446 |
| Return on Equity (ROE) | 2.4424% | 4,497 |
| Retained earnings to average equity (ytd only) | 2.4424% | 3,638 |
| Net charge-offs to loans | 0.1975% | 871 |
| Credit loss provision to net charge-offs | 37.9630% | 3,195 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 3,108 |
| Efficiency ratio | 92.2589% | 310 |
| Assets per employee ($millions) | 4.1609% | 4,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 1,836 |
| Loan loss allowance to noncurrent loans | 54.0065% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 1.3663% | 575 |
| Noncurrent loans to loans | 2.6552% | 366 |
| Net loans and leases to total assets | 50.7205% | 3,765 |
| Net loans and leases to deposits | 61.2367% | 3,657 |
| Net loans and leases to core deposits | 68.5720% | 3,367 |
| Total domestic deposits to total assets | 82.8270% | 3,459 |
| Equity capital to assets | 10.6956% | 2,530 |
| Core capital (leverage) ratio | 10.2559% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,289,200 | 3,952 |
| Average earning assets | $96,251,800 | 3,942 |
| Average equity | $11,791,800 | 3,994 |
| Average total loans | $54,686,400 | 4,004 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2748% | 360 |
| Cost of funding earning assets | 1.1379% | 460 |
| Net interest margin | 4.1369% | 833 |
| Noninterest income to average assets | 0.3392% | 3,447 |
| Noninterest expense to average assets | 4.0530% | 368 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0991% | 4,702 |
| Return on assets (ROA) | 0.1940% | 4,644 |
| Pretax return on assets | 0.2640% | 4,590 |
| Return on Equity (ROE) | 1.6701% | 4,601 |
| Retained earnings to average equity (ytd only) | 1.6701% | 4,039 |
| Net charge-offs to loans | 0.2325% | 657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.1596% | 3,090 |
| Efficiency ratio | 96.5723% | 215 |
| Assets per employee ($millions) | 3.9683% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,380 |
| Loan loss allowance to noncurrent loans | 49.7516% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.6099% | 505 |
| Noncurrent loans to loans | 3.0168% | 304 |
| Net loans and leases to total assets | 50.9489% | 4,036 |
| Net loans and leases to deposits | 60.4128% | 4,032 |
| Net loans and leases to core deposits | 67.4567% | 3,797 |
| Total domestic deposits to total assets | 84.3345% | 2,695 |
| Equity capital to assets | 11.5308% | 1,981 |
| Core capital (leverage) ratio | 10.4206% | 2,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,025,250 | 3,974 |
| Average earning assets | $94,206,250 | 3,966 |
| Average equity | $11,735,750 | 4,009 |
| Average total loans | $53,905,250 | 4,052 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3667% | 431 |
| Cost of funding earning assets | 1.1617% | 588 |
| Net interest margin | 4.2050% | 912 |
| Noninterest income to average assets | 0.3967% | 3,098 |
| Noninterest expense to average assets | 4.2120% | 326 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0899% | 4,698 |
| Return on assets (ROA) | 0.2332% | 4,566 |
| Pretax return on assets | 0.3130% | 4,519 |
| Return on Equity (ROE) | 1.9989% | 4,534 |
| Retained earnings to average equity (ytd only) | 1.9989% | 3,756 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9711% | 226 |
| Assets per employee ($millions) | 3.2370% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7888% | 671 |
| Loan loss allowance to noncurrent loans | 61.5967% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.5398% | 599 |
| Noncurrent loans to loans | 2.9041% | 349 |
| Net loans and leases to total assets | 47.4383% | 4,287 |
| Net loans and leases to deposits | 55.0597% | 4,335 |
| Net loans and leases to core deposits | 61.1344% | 4,204 |
| Total domestic deposits to total assets | 86.1580% | 1,944 |
| Equity capital to assets | 11.5106% | 1,965 |
| Core capital (leverage) ratio | 10.5264% | 2,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,332,667 | 3,987 |
| Average earning assets | $94,174,000 | 3,969 |
| Average equity | $11,706,333 | 4,021 |
| Average total loans | $54,084,333 | 4,056 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8007% | 219 |
| Cost of funding earning assets | 1.1848% | 813 |
| Net interest margin | 4.6159% | 397 |
| Noninterest income to average assets | 0.2553% | 4,015 |
| Noninterest expense to average assets | 4.2509% | 392 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.2967% | 4,353 |
| Return on assets (ROA) | 0.2999% | 4,367 |
| Pretax return on assets | 0.4133% | 4,270 |
| Return on Equity (ROE) | 2.5522% | 4,327 |
| Retained earnings to average equity (ytd only) | 2.5522% | 3,247 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2174% | 454 |
| Assets per employee ($millions) | 3.2863% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6324% | 992 |
| Loan loss allowance to noncurrent loans | 82.4125% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.2456% | 974 |
| Noncurrent loans to loans | 1.9808% | 721 |
| Net loans and leases to total assets | 54.7023% | 3,933 |
| Net loans and leases to deposits | 64.0731% | 3,982 |
| Net loans and leases to core deposits | 72.0839% | 3,762 |
| Total domestic deposits to total assets | 85.3748% | 2,258 |
| Equity capital to assets | 11.9566% | 2,102 |
| Core capital (leverage) ratio | 10.8187% | 2,629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,707,500 | 4,013 |
| Average earning assets | $94,195,500 | 3,961 |
| Average equity | $11,598,000 | 4,050 |
| Average total loans | $56,110,000 | 4,029 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0858% | 200 |
| Cost of funding earning assets | 1.1509% | 1,156 |
| Net interest margin | 4.9348% | 303 |
| Noninterest income to average assets | 0.1975% | 4,478 |
| Noninterest expense to average assets | 4.1410% | 449 |
| Loan and lease loss provision to assets | 0.0652% | 2,721 |
| Net operating income to assets | 0.4205% | 4,560 |
| Return on assets (ROA) | 0.4205% | 4,590 |
| Pretax return on assets | 0.5753% | 4,454 |
| Return on Equity (ROE) | 3.6950% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.6950% | 3,148 |
| Net charge-offs to loans | 0.3365% | 614 |
| Credit loss provision to net charge-offs | 31.8408% | 3,259 |
| Earnings coverage of net charge-offs (x) | 3.1294% | 3,355 |
| Efficiency ratio | 86.6056% | 512 |
| Assets per employee ($millions) | 3.1879% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 1,067 |
| Loan loss allowance to noncurrent loans | 78.7852% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 1.3043% | 849 |
| Noncurrent loans to loans | 1.9793% | 650 |
| Net loans and leases to total assets | 57.1708% | 3,833 |
| Net loans and leases to deposits | 66.5297% | 3,921 |
| Net loans and leases to core deposits | 74.7183% | 3,664 |
| Total domestic deposits to total assets | 85.9327% | 2,093 |
| Equity capital to assets | 11.5436% | 2,497 |
| Core capital (leverage) ratio | 10.8463% | 2,637 |
| Tier 1 risk-based capital ratio | 16.8461% | 2,105 |
| Total risk-based capital ratio | 18.0984% | 2,046 |
| Memoranda: | ||
| Average total assets | $98,212,200 | 4,028 |
| Average earning assets | $91,229,200 | 4,027 |
| Average equity | $11,177,400 | 4,093 |
| Average total loans | $59,739,400 | 3,990 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1137% | 199 |
| Cost of funding earning assets | 1.1298% | 1,243 |
| Net interest margin | 4.9839% | 299 |
| Noninterest income to average assets | 0.1754% | 4,666 |
| Noninterest expense to average assets | 4.1076% | 470 |
| Loan and lease loss provision to assets | 0.0354% | 3,185 |
| Net operating income to assets | 0.4582% | 4,612 |
| Return on assets (ROA) | 0.4582% | 4,643 |
| Pretax return on assets | 0.6268% | 4,498 |
| Return on Equity (ROE) | 4.0407% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.0407% | 3,376 |
| Net charge-offs to loans | 0.4442% | 376 |
| Credit loss provision to net charge-offs | 12.9353% | 2,993 |
| Earnings coverage of net charge-offs (x) | 2.4229% | 3,198 |
| Efficiency ratio | 86.1174% | 494 |
| Assets per employee ($millions) | 3.2185% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 1,286 |
| Loan loss allowance to noncurrent loans | 66.5373% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.3339% | 895 |
| Noncurrent loans to loans | 2.2293% | 560 |
| Net loans and leases to total assets | 58.9492% | 3,772 |
| Net loans and leases to deposits | 68.7577% | 3,860 |
| Net loans and leases to core deposits | 77.0039% | 3,630 |
| Total domestic deposits to total assets | 85.7347% | 2,109 |
| Equity capital to assets | 11.8159% | 2,405 |
| Core capital (leverage) ratio | 10.7999% | 2,836 |
| Tier 1 risk-based capital ratio | 16.8704% | 2,127 |
| Total risk-based capital ratio | 18.1222% | 2,068 |
| Memoranda: | ||
| Average total assets | $98,059,000 | 4,071 |
| Average earning assets | $90,395,250 | 4,086 |
| Average equity | $11,119,750 | 4,143 |
| Average total loans | $60,325,750 | 4,024 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9714% | 247 |
| Cost of funding earning assets | 1.0682% | 1,423 |
| Net interest margin | 4.9032% | 348 |
| Noninterest income to average assets | 0.1847% | 4,644 |
| Noninterest expense to average assets | 4.0625% | 489 |
| Loan and lease loss provision to assets | 0.0406% | 3,002 |
| Net operating income to assets | 0.4241% | 4,691 |
| Return on assets (ROA) | 0.4241% | 4,713 |
| Pretax return on assets | 0.5804% | 4,580 |
| Return on Equity (ROE) | 3.7920% | 4,630 |
| Retained earnings to average equity (ytd only) | 3.7920% | 3,355 |
| Net charge-offs to loans | 0.2550% | 658 |
| Credit loss provision to net charge-offs | 25.6410% | 2,623 |
| Earnings coverage of net charge-offs (x) | 3.9231% | 2,784 |
| Efficiency ratio | 86.7418% | 505 |
| Assets per employee ($millions) | 3.1624% | 4,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 963 |
| Loan loss allowance to noncurrent loans | 74.1248% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 1.3404% | 927 |
| Noncurrent loans to loans | 2.1956% | 616 |
| Net loans and leases to total assets | 60.0547% | 3,727 |
| Net loans and leases to deposits | 71.0395% | 3,763 |
| Net loans and leases to core deposits | 79.1370% | 3,494 |
| Total domestic deposits to total assets | 84.5370% | 2,671 |
| Equity capital to assets | 11.4817% | 2,617 |
| Core capital (leverage) ratio | 10.6682% | 2,917 |
| Tier 1 risk-based capital ratio | 15.9897% | 2,417 |
| Total risk-based capital ratio | 17.2437% | 2,355 |
| Memoranda: | ||
| Average total assets | $98,560,000 | 4,092 |
| Average earning assets | $90,431,000 | 4,107 |
| Average equity | $11,023,330 | 4,169 |
| Average total loans | $61,175,670 | 4,023 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0898% | 192 |
| Cost of funding earning assets | 1.0187% | 1,486 |
| Net interest margin | 5.0711% | 254 |
| Noninterest income to average assets | 0.1417% | 4,883 |
| Noninterest expense to average assets | 4.0922% | 470 |
| Loan and lease loss provision to assets | 0.0324% | 2,979 |
| Net operating income to assets | 0.4533% | 4,634 |
| Return on assets (ROA) | 0.4533% | 4,650 |
| Pretax return on assets | 0.6112% | 4,490 |
| Return on Equity (ROE) | 4.1075% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.1075% | 3,275 |
| Net charge-offs to loans | 0.0129% | 2,239 |
| Credit loss provision to net charge-offs | 400.0000% | 692 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 771 |
| Efficiency ratio | 86.4103% | 558 |
| Assets per employee ($millions) | 2.9076% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 799 |
| Loan loss allowance to noncurrent loans | 64.1533% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 1.6863% | 659 |
| Noncurrent loans to loans | 2.7066% | 444 |
| Net loans and leases to total assets | 61.2198% | 3,579 |
| Net loans and leases to deposits | 72.7461% | 3,551 |
| Net loans and leases to core deposits | 80.0799% | 3,367 |
| Total domestic deposits to total assets | 84.1555% | 2,992 |
| Equity capital to assets | 11.4788% | 2,417 |
| Core capital (leverage) ratio | 10.5916% | 2,952 |
| Tier 1 risk-based capital ratio | 15.9079% | 2,485 |
| Total risk-based capital ratio | 17.1629% | 2,411 |
| Memoranda: | ||
| Average total assets | $98,823,000 | 4,126 |
| Average earning assets | $89,526,500 | 4,155 |
| Average equity | $10,907,000 | 4,207 |
| Average total loans | $61,839,500 | 4,055 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8807% | 204 |
| Cost of funding earning assets | 0.9175% | 1,037 |
| Net interest margin | 4.9632% | 286 |
| Noninterest income to average assets | 0.1579% | 4,933 |
| Noninterest expense to average assets | 3.8975% | 603 |
| Loan and lease loss provision to assets | 0.1956% | 970 |
| Net operating income to assets | 0.4479% | 4,769 |
| Return on assets (ROA) | 0.4463% | 4,768 |
| Pretax return on assets | 0.6542% | 4,528 |
| Return on Equity (ROE) | 4.1680% | 4,670 |
| Retained earnings to average equity (ytd only) | 4.1680% | 3,264 |
| Net charge-offs to loans | 0.8692% | 175 |
| Credit loss provision to net charge-offs | 32.4324% | 3,336 |
| Earnings coverage of net charge-offs (x) | 1.4122% | 3,628 |
| Efficiency ratio | 82.0639% | 800 |
| Assets per employee ($millions) | 3.1780% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 996 |
| Loan loss allowance to noncurrent loans | 61.6119% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.6471% | 668 |
| Noncurrent loans to loans | 2.6213% | 451 |
| Net loans and leases to total assets | 61.8201% | 3,587 |
| Net loans and leases to deposits | 75.3271% | 3,404 |
| Net loans and leases to core deposits | 81.5387% | 3,299 |
| Total domestic deposits to total assets | 82.0689% | 3,624 |
| Equity capital to assets | 10.6200% | 3,059 |
| Core capital (leverage) ratio | 10.5929% | 2,939 |
| Tier 1 risk-based capital ratio | 14.6609% | 2,986 |
| Total risk-based capital ratio | 15.9139% | 2,910 |
| Memoranda: | ||
| Average total assets | $98,139,800 | 4,124 |
| Average earning assets | $90,788,800 | 4,132 |
| Average equity | $10,508,600 | 4,233 |
| Average total loans | $68,112,200 | 3,915 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8427% | 198 |
| Cost of funding earning assets | 0.8936% | 949 |
| Net interest margin | 4.9491% | 285 |
| Noninterest income to average assets | 0.1604% | 4,980 |
| Noninterest expense to average assets | 3.9018% | 592 |
| Loan and lease loss provision to assets | 0.2632% | 583 |
| Net operating income to assets | 0.4189% | 4,917 |
| Return on assets (ROA) | 0.4168% | 4,925 |
| Pretax return on assets | 0.6320% | 4,677 |
| Return on Equity (ROE) | 3.8840% | 4,843 |
| Retained earnings to average equity (ytd only) | 3.8840% | 3,831 |
| Net charge-offs to loans | 1.0467% | 133 |
| Credit loss provision to net charge-offs | 35.3591% | 2,941 |
| Earnings coverage of net charge-offs (x) | 1.2063% | 3,368 |
| Efficiency ratio | 81.2911% | 830 |
| Assets per employee ($millions) | 2.9669% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 926 |
| Loan loss allowance to noncurrent loans | 62.1979% | 4,168 |
| Noncurrent assets plus other real estate owned to assets | 1.8569% | 609 |
| Noncurrent loans to loans | 2.6870% | 459 |
| Net loans and leases to total assets | 66.9900% | 3,072 |
| Net loans and leases to deposits | 82.2962% | 2,781 |
| Net loans and leases to core deposits | 90.7782% | 2,587 |
| Total domestic deposits to total assets | 81.4011% | 3,766 |
| Equity capital to assets | 11.0532% | 2,615 |
| Core capital (leverage) ratio | 10.4580% | 3,124 |
| Tier 1 risk-based capital ratio | 14.6585% | 3,039 |
| Total risk-based capital ratio | 15.9136% | 2,965 |
| Memoranda: | ||
| Average total assets | $97,251,000 | 4,185 |
| Average earning assets | $91,165,000 | 4,165 |
| Average equity | $10,435,750 | 4,283 |
| Average total loans | $69,165,250 | 3,926 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8129% | 198 |
| Cost of funding earning assets | 0.8841% | 776 |
| Net interest margin | 4.9288% | 280 |
| Noninterest income to average assets | 0.1571% | 5,041 |
| Noninterest expense to average assets | 3.8012% | 671 |
| Loan and lease loss provision to assets | 0.3918% | 315 |
| Net operating income to assets | 0.3644% | 5,027 |
| Return on assets (ROA) | 0.3611% | 5,031 |
| Pretax return on assets | 0.5897% | 4,753 |
| Return on Equity (ROE) | 3.3985% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.3985% | 3,876 |
| Net charge-offs to loans | 1.5030% | 82 |
| Credit loss provision to net charge-offs | 36.1582% | 2,596 |
| Earnings coverage of net charge-offs (x) | 0.9096% | 3,099 |
| Efficiency ratio | 79.4118% | 1,078 |
| Assets per employee ($millions) | 3.1074% | 5,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 1,213 |
| Loan loss allowance to noncurrent loans | 57.9841% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 2.0274% | 527 |
| Noncurrent loans to loans | 2.6892% | 453 |
| Net loans and leases to total assets | 71.6309% | 2,336 |
| Net loans and leases to deposits | 88.9717% | 1,985 |
| Net loans and leases to core deposits | 97.3834% | 1,934 |
| Total domestic deposits to total assets | 80.5097% | 4,134 |
| Equity capital to assets | 10.7962% | 2,837 |
| Core capital (leverage) ratio | 9.9222% | 3,666 |
| Tier 1 risk-based capital ratio | 13.5150% | 3,608 |
| Total risk-based capital ratio | 14.7684% | 3,516 |
| Memoranda: | ||
| Average total assets | $98,021,000 | 4,210 |
| Average earning assets | $92,071,670 | 4,181 |
| Average equity | $10,416,330 | 4,322 |
| Average total loans | $70,659,670 | 3,917 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4337% | 312 |
| Cost of funding earning assets | 0.8684% | 697 |
| Net interest margin | 4.5653% | 543 |
| Noninterest income to average assets | 0.1618% | 5,053 |
| Noninterest expense to average assets | 3.8314% | 645 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4636% | 4,783 |
| Return on assets (ROA) | 0.4572% | 4,798 |
| Pretax return on assets | 0.6190% | 4,644 |
| Return on Equity (ROE) | 4.3359% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.3359% | 3,451 |
| Net charge-offs to loans | 2.4132% | 46 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.3621% | 2,644 |
| Efficiency ratio | 85.9347% | 656 |
| Assets per employee ($millions) | 3.0941% | 5,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 1,783 |
| Loan loss allowance to noncurrent loans | 69.5773% | 4,028 |
| Noncurrent assets plus other real estate owned to assets | 1.4827% | 946 |
| Noncurrent loans to loans | 2.0319% | 775 |
| Net loans and leases to total assets | 70.7113% | 2,371 |
| Net loans and leases to deposits | 91.5154% | 1,501 |
| Net loans and leases to core deposits | 101.1369% | 1,604 |
| Total domestic deposits to total assets | 77.2672% | 4,832 |
| Equity capital to assets | 10.4827% | 3,092 |
| Core capital (leverage) ratio | 9.9992% | 3,540 |
| Tier 1 risk-based capital ratio | 13.1967% | 3,850 |
| Total risk-based capital ratio | 14.4480% | 3,742 |
| Memoranda: | ||
| Average total assets | $98,866,500 | 4,241 |
| Average earning assets | $93,049,500 | 4,205 |
| Average equity | $10,424,500 | 4,364 |
| Average total loans | $70,942,000 | 3,950 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 427 |
| Cost of funding earning assets | 0.8253% | 540 |
| Net interest margin | 4.3986% | 775 |
| Noninterest income to average assets | 0.1419% | 5,239 |
| Noninterest expense to average assets | 3.7351% | 751 |
| Loan and lease loss provision to assets | 1.5107% | 55 |
| Net operating income to assets | -1.2752% | 5,616 |
| Return on assets (ROA) | -1.2752% | 5,615 |
| Pretax return on assets | -0.9770% | 5,596 |
| Return on Equity (ROE) | -10.9820% | 5,598 |
| Retained earnings to average equity (ytd only) | -10.9820% | 5,547 |
| Net charge-offs to loans | 1.6929% | 90 |
| Credit loss provision to net charge-offs | 136.6512% | 1,934 |
| Earnings coverage of net charge-offs (x) | 0.4828% | 3,991 |
| Efficiency ratio | 87.4970% | 563 |
| Assets per employee ($millions) | 3.4042% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0207% | 522 |
| Loan loss allowance to noncurrent loans | 66.7599% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 2.2001% | 469 |
| Noncurrent loans to loans | 3.0268% | 368 |
| Net loans and leases to total assets | 70.3349% | 2,473 |
| Net loans and leases to deposits | 90.5695% | 1,703 |
| Net loans and leases to core deposits | 100.0403% | 1,710 |
| Total domestic deposits to total assets | 77.6585% | 4,768 |
| Equity capital to assets | 10.6055% | 3,046 |
| Core capital (leverage) ratio | 9.8593% | 3,622 |
| Tier 1 risk-based capital ratio | 13.0702% | 3,865 |
| Total risk-based capital ratio | 14.3325% | 3,767 |
| Memoranda: | ||
| Average total assets | $97,238,800 | 4,283 |
| Average earning assets | $91,234,600 | 4,260 |
| Average equity | $11,291,200 | 4,261 |
| Average total loans | $63,501,200 | 4,112 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 475 |
| Cost of funding earning assets | 0.8104% | 539 |
| Net interest margin | 4.3212% | 875 |
| Noninterest income to average assets | 0.1349% | 5,333 |
| Noninterest expense to average assets | 3.6929% | 773 |
| Loan and lease loss provision to assets | 2.0068% | 40 |
| Net operating income to assets | -0.9373% | 5,665 |
| Return on assets (ROA) | -0.9373% | 5,665 |
| Pretax return on assets | -1.5209% | 5,697 |
| Return on Equity (ROE) | -7.8979% | 5,655 |
| Retained earnings to average equity (ytd only) | -7.8979% | 5,591 |
| Net charge-offs to loans | 1.4985% | 102 |
| Credit loss provision to net charge-offs | 210.3896% | 1,298 |
| Earnings coverage of net charge-offs (x) | 0.5094% | 3,659 |
| Efficiency ratio | 88.3729% | 486 |
| Assets per employee ($millions) | 3.2499% | 5,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7171% | 202 |
| Loan loss allowance to noncurrent loans | 70.8726% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.5252% | 422 |
| Noncurrent loans to loans | 3.8338% | 265 |
| Net loans and leases to total assets | 64.0770% | 3,389 |
| Net loans and leases to deposits | 82.9841% | 2,660 |
| Net loans and leases to core deposits | 91.8279% | 2,457 |
| Total domestic deposits to total assets | 77.2160% | 4,848 |
| Equity capital to assets | 11.0684% | 2,798 |
| Core capital (leverage) ratio | 9.9668% | 3,606 |
| Tier 1 risk-based capital ratio | 13.7465% | 3,551 |
| Total risk-based capital ratio | 15.0187% | 3,476 |
| Memoranda: | ||
| Average total assets | $96,868,000 | 4,331 |
| Average earning assets | $90,651,000 | 4,315 |
| Average equity | $11,496,500 | 4,271 |
| Average total loans | $61,659,500 | 4,203 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7978% | 862 |
| Cost of funding earning assets | 0.7937% | 544 |
| Net interest margin | 4.0041% | 1,590 |
| Noninterest income to average assets | 0.1214% | 5,443 |
| Noninterest expense to average assets | 3.7520% | 715 |
| Loan and lease loss provision to assets | 1.8582% | 49 |
| Net operating income to assets | -1.0568% | 5,719 |
| Return on assets (ROA) | -1.0568% | 5,719 |
| Pretax return on assets | -1.7201% | 5,752 |
| Return on Equity (ROE) | -8.6981% | 5,713 |
| Retained earnings to average equity (ytd only) | -8.6981% | 5,628 |
| Net charge-offs to loans | 2.2931% | 66 |
| Credit loss provision to net charge-offs | 128.8824% | 1,693 |
| Earnings coverage of net charge-offs (x) | 0.0958% | 3,407 |
| Efficiency ratio | 96.4497% | 248 |
| Assets per employee ($millions) | 3.3876% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9363% | 675 |
| Loan loss allowance to noncurrent loans | 51.6479% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 2.4400% | 458 |
| Noncurrent loans to loans | 3.7489% | 277 |
| Net loans and leases to total assets | 63.8239% | 3,410 |
| Net loans and leases to deposits | 78.4368% | 3,073 |
| Net loans and leases to core deposits | 86.4386% | 2,835 |
| Total domestic deposits to total assets | 81.3699% | 4,085 |
| Equity capital to assets | 11.5331% | 2,297 |
| Core capital (leverage) ratio | 10.8365% | 2,564 |
| Tier 1 risk-based capital ratio | 15.3807% | 2,763 |
| Total risk-based capital ratio | 16.6436% | 2,693 |
| Memoranda: | ||
| Average total assets | $95,575,330 | 4,385 |
| Average earning assets | $89,958,670 | 4,358 |
| Average equity | $11,611,670 | 4,252 |
| Average total loans | $60,093,330 | 4,261 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 1,152 |
| Cost of funding earning assets | 0.8073% | 466 |
| Net interest margin | 3.7900% | 2,150 |
| Noninterest income to average assets | 0.1273% | 5,484 |
| Noninterest expense to average assets | 3.8156% | 668 |
| Loan and lease loss provision to assets | 0.3226% | 388 |
| Net operating income to assets | -0.2631% | 5,691 |
| Return on assets (ROA) | -0.2631% | 5,691 |
| Pretax return on assets | -0.4244% | 5,714 |
| Return on Equity (ROE) | -2.1102% | 5,683 |
| Retained earnings to average equity (ytd only) | -2.1102% | 5,176 |
| Net charge-offs to loans | 1.3753% | 124 |
| Credit loss provision to net charge-offs | 38.0000% | 2,074 |
| Earnings coverage of net charge-offs (x) | -0.1200% | 2,857 |
| Efficiency ratio | 102.7429% | 193 |
| Assets per employee ($millions) | 3.2593% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5815% | 1,427 |
| Loan loss allowance to noncurrent loans | 28.9008% | 5,062 |
| Noncurrent assets plus other real estate owned to assets | 3.3495% | 263 |
| Noncurrent loans to loans | 5.4723% | 137 |
| Net loans and leases to total assets | 60.2406% | 3,762 |
| Net loans and leases to deposits | 74.6108% | 3,344 |
| Net loans and leases to core deposits | 82.6307% | 3,022 |
| Total domestic deposits to total assets | 80.7397% | 4,470 |
| Equity capital to assets | 12.4015% | 1,595 |
| Core capital (leverage) ratio | 11.2781% | 2,123 |
| Tier 1 risk-based capital ratio | 17.1816% | 2,124 |
| Total risk-based capital ratio | 18.4406% | 2,071 |
| Memoranda: | ||
| Average total assets | $94,243,500 | 4,455 |
| Average earning assets | $89,181,500 | 4,416 |
| Average equity | $11,752,500 | 4,259 |
| Average total loans | $58,171,000 | 4,342 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 1,679 |
| Cost of funding earning assets | 0.8469% | 397 |
| Net interest margin | 3.6055% | 3,054 |
| Noninterest income to average assets | 0.1015% | 5,644 |
| Noninterest expense to average assets | 3.9398% | 656 |
| Loan and lease loss provision to assets | 2.1369% | 33 |
| Net operating income to assets | -1.5816% | 5,868 |
| Return on assets (ROA) | -1.4615% | 5,861 |
| Pretax return on assets | -2.3757% | 5,882 |
| Return on Equity (ROE) | -11.1179% | 5,840 |
| Retained earnings to average equity (ytd only) | -11.1179% | 5,795 |
| Net charge-offs to loans | 2.6991% | 45 |
| Credit loss provision to net charge-offs | 135.4776% | 2,005 |
| Earnings coverage of net charge-offs (x) | -0.2703% | 4,148 |
| Efficiency ratio | 112.1354% | 115 |
| Assets per employee ($millions) | 3.3559% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7748% | 989 |
| Loan loss allowance to noncurrent loans | 31.6271% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 3.4928% | 249 |
| Noncurrent loans to loans | 5.6115% | 122 |
| Net loans and leases to total assets | 61.1381% | 3,709 |
| Net loans and leases to deposits | 73.6630% | 3,549 |
| Net loans and leases to core deposits | 81.3598% | 3,277 |
| Total domestic deposits to total assets | 82.9970% | 3,768 |
| Equity capital to assets | 12.5396% | 1,501 |
| Core capital (leverage) ratio | 11.3812% | 2,022 |
| Tier 1 risk-based capital ratio | 16.8682% | 2,203 |
| Total risk-based capital ratio | 18.1322% | 2,146 |
| Memoranda: | ||
| Average total assets | $97,569,200 | 4,391 |
| Average earning assets | $92,331,800 | 4,345 |
| Average equity | $12,826,200 | 4,119 |
| Average total loans | $57,018,400 | 4,377 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 1,719 |
| Cost of funding earning assets | 0.8528% | 374 |
| Net interest margin | 3.5902% | 3,109 |
| Noninterest income to average assets | 0.0934% | 5,733 |
| Noninterest expense to average assets | 3.9862% | 600 |
| Loan and lease loss provision to assets | 2.5076% | 26 |
| Net operating income to assets | -1.8511% | 5,941 |
| Return on assets (ROA) | -1.6925% | 5,936 |
| Pretax return on assets | -2.7554% | 5,959 |
| Return on Equity (ROE) | -12.7350% | 5,916 |
| Retained earnings to average equity (ytd only) | -12.7350% | 5,871 |
| Net charge-offs to loans | 3.5303% | 29 |
| Credit loss provision to net charge-offs | 123.4667% | 2,049 |
| Earnings coverage of net charge-offs (x) | -0.2440% | 3,834 |
| Efficiency ratio | 114.1971% | 106 |
| Assets per employee ($millions) | 2.8849% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 1,736 |
| Loan loss allowance to noncurrent loans | 24.9852% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 3.5482% | 278 |
| Noncurrent loans to loans | 6.0353% | 116 |
| Net loans and leases to total assets | 57.9047% | 4,106 |
| Net loans and leases to deposits | 69.9217% | 3,997 |
| Net loans and leases to core deposits | 77.1234% | 3,741 |
| Total domestic deposits to total assets | 82.8136% | 3,663 |
| Equity capital to assets | 13.0868% | 1,452 |
| Core capital (leverage) ratio | 11.3330% | 2,166 |
| Tier 1 risk-based capital ratio | 18.0758% | 1,895 |
| Total risk-based capital ratio | 19.3377% | 1,858 |
| Memoranda: | ||
| Average total assets | $98,470,000 | 4,403 |
| Average earning assets | $93,177,500 | 4,359 |
| Average equity | $13,087,000 | 4,109 |
| Average total loans | $56,651,250 | 4,421 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3362% | 2,029 |
| Cost of funding earning assets | 0.8436% | 391 |
| Net interest margin | 3.4926% | 3,511 |
| Noninterest income to average assets | 0.0924% | 5,805 |
| Noninterest expense to average assets | 3.9338% | 652 |
| Loan and lease loss provision to assets | 3.1647% | 18 |
| Net operating income to assets | -2.2699% | 6,023 |
| Return on assets (ROA) | -2.0643% | 6,017 |
| Pretax return on assets | -3.3675% | 6,038 |
| Return on Equity (ROE) | -15.4173% | 5,999 |
| Retained earnings to average equity (ytd only) | -15.4173% | 5,938 |
| Net charge-offs to loans | 5.2744% | 15 |
| Credit loss provision to net charge-offs | 105.0667% | 2,028 |
| Earnings coverage of net charge-offs (x) | -0.1740% | 3,568 |
| Efficiency ratio | 115.3710% | 112 |
| Assets per employee ($millions) | 2.9796% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 4,641 |
| Loan loss allowance to noncurrent loans | 16.2791% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 3.5423% | 299 |
| Noncurrent loans to loans | 5.9921% | 120 |
| Net loans and leases to total assets | 58.5394% | 4,067 |
| Net loans and leases to deposits | 72.4964% | 3,743 |
| Net loans and leases to core deposits | 79.8181% | 3,472 |
| Total domestic deposits to total assets | 80.7479% | 4,346 |
| Equity capital to assets | 13.0107% | 1,494 |
| Core capital (leverage) ratio | 11.8783% | 1,714 |
| Tier 1 risk-based capital ratio | 18.5073% | 1,802 |
| Total risk-based capital ratio | 19.4010% | 1,858 |
| Memoranda: | ||
| Average total assets | $99,598,330 | 4,430 |
| Average earning assets | $94,599,330 | 4,371 |
| Average equity | $13,335,670 | 4,100 |
| Average total loans | $56,878,000 | 4,440 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5724% | 1,335 |
| Cost of funding earning assets | 0.8547% | 379 |
| Net interest margin | 3.7177% | 2,599 |
| Noninterest income to average assets | 0.0998% | 5,822 |
| Noninterest expense to average assets | 3.5317% | 1,131 |
| Loan and lease loss provision to assets | 0.1317% | 1,602 |
| Net operating income to assets | -0.0350% | 5,807 |
| Return on assets (ROA) | 0.3711% | 5,154 |
| Pretax return on assets | 0.5946% | 4,833 |
| Return on Equity (ROE) | 2.7339% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.7339% | 4,143 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4670% | 358 |
| Assets per employee ($millions) | 3.3378% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 5,042 |
| Loan loss allowance to noncurrent loans | 32.8125% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 1.5979% | 1,250 |
| Noncurrent loans to loans | 2.7616% | 633 |
| Net loans and leases to total assets | 57.3367% | 4,110 |
| Net loans and leases to deposits | 71.2408% | 3,725 |
| Net loans and leases to core deposits | 78.3047% | 3,468 |
| Total domestic deposits to total assets | 80.4830% | 4,637 |
| Equity capital to assets | 13.7757% | 1,064 |
| Core capital (leverage) ratio | 12.9249% | 1,187 |
| Tier 1 risk-based capital ratio | 20.5739% | 1,388 |
| Total risk-based capital ratio | 21.4137% | 1,445 |
| Memoranda: | ||
| Average total assets | $100,234,000 | 4,462 |
| Average earning assets | $95,005,000 | 4,401 |
| Average equity | $13,607,000 | 4,062 |
| Average total loans | $56,253,500 | 4,493 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8451% | 3,902 |
| Cost of funding earning assets | 0.8514% | 368 |
| Net interest margin | 2.9937% | 5,154 |
| Noninterest income to average assets | 0.2443% | 5,133 |
| Noninterest expense to average assets | 3.5526% | 1,209 |
| Loan and lease loss provision to assets | 0.2535% | 746 |
| Net operating income to assets | -0.4376% | 6,030 |
| Return on assets (ROA) | -0.3342% | 6,001 |
| Pretax return on assets | -0.5539% | 6,051 |
| Return on Equity (ROE) | -2.3647% | 5,992 |
| Retained earnings to average equity (ytd only) | -2.3647% | 5,776 |
| Net charge-offs to loans | 0.3430% | 862 |
| Credit loss provision to net charge-offs | 155.9748% | 1,715 |
| Earnings coverage of net charge-offs (x) | -2.8428% | 4,371 |
| Efficiency ratio | 114.9471% | 110 |
| Assets per employee ($millions) | 3.3445% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9016% | 5,080 |
| Loan loss allowance to noncurrent loans | 35.3957% | 5,228 |
| Noncurrent assets plus other real estate owned to assets | 1.3854% | 1,507 |
| Noncurrent loans to loans | 2.5472% | 707 |
| Net loans and leases to total assets | 53.8964% | 4,513 |
| Net loans and leases to deposits | 66.5539% | 4,265 |
| Net loans and leases to core deposits | 72.8221% | 4,058 |
| Total domestic deposits to total assets | 80.9817% | 4,489 |
| Equity capital to assets | 13.3752% | 1,173 |
| Core capital (leverage) ratio | 13.1228% | 1,102 |
| Tier 1 risk-based capital ratio | 21.1142% | 1,273 |
| Total risk-based capital ratio | 21.9277% | 1,327 |
| Memoranda: | ||
| Average total assets | $97,844,800 | 4,506 |
| Average earning assets | $93,028,600 | 4,451 |
| Average equity | $13,828,400 | 4,006 |
| Average total loans | $46,356,000 | 4,780 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 4,131 |
| Cost of funding earning assets | 0.8547% | 371 |
| Net interest margin | 2.9332% | 5,347 |
| Noninterest income to average assets | 0.2907% | 4,867 |
| Noninterest expense to average assets | 3.5217% | 1,249 |
| Loan and lease loss provision to assets | 0.2949% | 506 |
| Net operating income to assets | -0.4472% | 6,128 |
| Return on assets (ROA) | -0.3086% | 6,098 |
| Pretax return on assets | -0.5184% | 6,140 |
| Return on Equity (ROE) | -2.1535% | 6,073 |
| Retained earnings to average equity (ytd only) | -2.1535% | 5,872 |
| Net charge-offs to loans | 0.4785% | 514 |
| Credit loss provision to net charge-offs | 135.2201% | 1,824 |
| Earnings coverage of net charge-offs (x) | -2.0189% | 4,081 |
| Efficiency ratio | 114.2857% | 120 |
| Assets per employee ($millions) | 3.1651% | 5,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 4,688 |
| Loan loss allowance to noncurrent loans | 67.3529% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 3,170 |
| Noncurrent loans to loans | 1.5011% | 1,675 |
| Net loans and leases to total assets | 45.7031% | 5,248 |
| Net loans and leases to deposits | 57.1474% | 5,062 |
| Net loans and leases to core deposits | 62.7026% | 4,886 |
| Total domestic deposits to total assets | 79.9741% | 4,761 |
| Equity capital to assets | 14.0718% | 996 |
| Core capital (leverage) ratio | 13.3155% | 1,088 |
| Tier 1 risk-based capital ratio | 24.9332% | 862 |
| Total risk-based capital ratio | 25.8203% | 878 |
| Memoranda: | ||
| Average total assets | $97,222,250 | 4,562 |
| Average earning assets | $92,501,000 | 4,510 |
| Average equity | $13,930,500 | 4,034 |
| Average total loans | $44,302,750 | 4,903 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6686% | 4,513 |
| Cost of funding earning assets | 0.8398% | 405 |
| Net interest margin | 2.8288% | 5,558 |
| Noninterest income to average assets | 0.3590% | 4,375 |
| Noninterest expense to average assets | 3.4997% | 1,296 |
| Loan and lease loss provision to assets | 0.3198% | 447 |
| Net operating income to assets | -0.4610% | 6,179 |
| Return on assets (ROA) | -0.2497% | 6,142 |
| Pretax return on assets | -0.4333% | 6,174 |
| Return on Equity (ROE) | -1.7321% | 6,117 |
| Retained earnings to average equity (ytd only) | -1.7321% | 5,800 |
| Net charge-offs to loans | 0.0318% | 3,025 |
| Credit loss provision to net charge-offs | 2,214.2857% | 182 |
| Earnings coverage of net charge-offs (x) | -30.7143% | 3,872 |
| Efficiency ratio | 114.5172% | 134 |
| Assets per employee ($millions) | 2.9526% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 3,571 |
| Loan loss allowance to noncurrent loans | 56.0529% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.0089% | 2,505 |
| Noncurrent loans to loans | 2.2096% | 1,081 |
| Net loans and leases to total assets | 45.0926% | 5,313 |
| Net loans and leases to deposits | 57.8859% | 4,999 |
| Net loans and leases to core deposits | 63.6975% | 4,831 |
| Total domestic deposits to total assets | 77.8991% | 5,298 |
| Equity capital to assets | 14.0627% | 965 |
| Core capital (leverage) ratio | 13.6881% | 934 |
| Tier 1 risk-based capital ratio | 26.3896% | 746 |
| Total risk-based capital ratio | 27.4722% | 743 |
| Memoranda: | ||
| Average total assets | $96,923,670 | 4,614 |
| Average earning assets | $92,406,670 | 4,550 |
| Average equity | $13,971,670 | 4,046 |
| Average total loans | $43,970,000 | 4,953 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4356% | 5,129 |
| Cost of funding earning assets | 0.8147% | 462 |
| Net interest margin | 2.6209% | 5,897 |
| Noninterest income to average assets | 0.6124% | 2,586 |
| Noninterest expense to average assets | 3.4096% | 1,471 |
| Loan and lease loss provision to assets | 0.1655% | 1,211 |
| Net operating income to assets | -0.2772% | 6,180 |
| Return on assets (ROA) | -0.2772% | 6,199 |
| Pretax return on assets | -0.4469% | 6,231 |
| Return on Equity (ROE) | -1.8998% | 6,169 |
| Retained earnings to average equity (ytd only) | -1.8998% | 5,681 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9947% | 202 |
| Assets per employee ($millions) | 3.0472% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9975% | 5,047 |
| Loan loss allowance to noncurrent loans | 74.9153% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.6051% | 3,666 |
| Noncurrent loans to loans | 1.3315% | 2,161 |
| Net loans and leases to total assets | 44.9887% | 5,271 |
| Net loans and leases to deposits | 59.4643% | 4,783 |
| Net loans and leases to core deposits | 63.9317% | 4,704 |
| Total domestic deposits to total assets | 75.6566% | 5,769 |
| Equity capital to assets | 14.5176% | 826 |
| Core capital (leverage) ratio | 13.8077% | 883 |
| Tier 1 risk-based capital ratio | 27.4870% | 679 |
| Total risk-based capital ratio | 28.3880% | 680 |
| Memoranda: | ||
| Average total assets | $96,668,000 | 4,653 |
| Average earning assets | $92,794,000 | 4,577 |
| Average equity | $14,106,500 | 4,057 |
| Average total loans | $43,711,500 | 4,992 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7650% | 4,599 |
| Cost of funding earning assets | 0.8016% | 643 |
| Net interest margin | 2.9634% | 5,525 |
| Noninterest income to average assets | 0.1218% | 6,082 |
| Noninterest expense to average assets | 3.5792% | 1,341 |
| Loan and lease loss provision to assets | 0.1312% | 1,997 |
| Net operating income to assets | -0.4881% | 6,294 |
| Return on assets (ROA) | -0.3800% | 6,266 |
| Pretax return on assets | -0.6298% | 6,311 |
| Return on Equity (ROE) | -2.5894% | 6,233 |
| Retained earnings to average equity (ytd only) | -2.5894% | 6,060 |
| Net charge-offs to loans | 0.2480% | 1,730 |
| Credit loss provision to net charge-offs | 143.6782% | 1,658 |
| Earnings coverage of net charge-offs (x) | -7.3103% | 4,905 |
| Efficiency ratio | 122.9272% | 113 |
| Assets per employee ($millions) | 2.9946% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 5,353 |
| Loan loss allowance to noncurrent loans | 89.7550% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 4,242 |
| Noncurrent loans to loans | 1.0414% | 2,741 |
| Net loans and leases to total assets | 44.5699% | 5,426 |
| Net loans and leases to deposits | 58.4964% | 5,029 |
| Net loans and leases to core deposits | 63.4980% | 4,871 |
| Total domestic deposits to total assets | 76.1925% | 5,706 |
| Equity capital to assets | 14.6691% | 766 |
| Core capital (leverage) ratio | 14.2168% | 767 |
| Tier 1 risk-based capital ratio | 28.5224% | 594 |
| Total risk-based capital ratio | 29.3707% | 598 |
| Memoranda: | ||
| Average total assets | $95,273,600 | 4,711 |
| Average earning assets | $89,694,400 | 4,660 |
| Average equity | $13,980,200 | 4,030 |
| Average total loans | $35,086,000 | 5,361 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7307% | 4,769 |
| Cost of funding earning assets | 0.7959% | 696 |
| Net interest margin | 2.9348% | 5,626 |
| Noninterest income to average assets | 0.1864% | 5,806 |
| Noninterest expense to average assets | 3.6705% | 1,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.4485% | 6,354 |
| Return on assets (ROA) | -0.3041% | 6,310 |
| Pretax return on assets | -0.5144% | 6,358 |
| Return on Equity (ROE) | -2.0724% | 6,288 |
| Retained earnings to average equity (ytd only) | -2.0724% | 6,080 |
| Net charge-offs to loans | 0.0242% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -87.9975% | 4,686 |
| Efficiency ratio | 125.2511% | 105 |
| Assets per employee ($millions) | 2.9899% | 5,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 5,392 |
| Loan loss allowance to noncurrent loans | 66.1142% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 4,152 |
| Noncurrent loans to loans | 1.4475% | 2,248 |
| Net loans and leases to total assets | 38.8323% | 5,898 |
| Net loans and leases to deposits | 50.1939% | 5,640 |
| Net loans and leases to core deposits | 54.4301% | 5,540 |
| Total domestic deposits to total assets | 77.3647% | 5,621 |
| Equity capital to assets | 14.5854% | 834 |
| Core capital (leverage) ratio | 14.4893% | 729 |
| Tier 1 risk-based capital ratio | 30.2947% | 508 |
| Total risk-based capital ratio | 31.0888% | 526 |
| Memoranda: | ||
| Average total assets | $95,135,250 | 4,764 |
| Average earning assets | $88,953,250 | 4,729 |
| Average equity | $13,961,000 | 4,048 |
| Average total loans | $33,079,250 | 5,487 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7449% | 4,715 |
| Cost of funding earning assets | 0.7877% | 762 |
| Net interest margin | 2.9572% | 5,620 |
| Noninterest income to average assets | 0.1243% | 6,183 |
| Noninterest expense to average assets | 3.5385% | 1,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3834% | 6,404 |
| Return on assets (ROA) | -0.1664% | 6,308 |
| Pretax return on assets | -0.3075% | 6,367 |
| Return on Equity (ROE) | -1.1316% | 6,281 |
| Retained earnings to average equity (ytd only) | -1.1316% | 5,871 |
| Net charge-offs to loans | 0.0253% | 3,694 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -76.7500% | 4,360 |
| Efficiency ratio | 122.3598% | 132 |
| Assets per employee ($millions) | 2.8657% | 5,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 5,248 |
| Loan loss allowance to noncurrent loans | 67.1004% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 4,281 |
| Noncurrent loans to loans | 1.5256% | 2,278 |
| Net loans and leases to total assets | 36.9085% | 6,008 |
| Net loans and leases to deposits | 48.0163% | 5,770 |
| Net loans and leases to core deposits | 52.1352% | 5,659 |
| Total domestic deposits to total assets | 76.8666% | 5,810 |
| Equity capital to assets | 14.9806% | 703 |
| Core capital (leverage) ratio | 14.7069% | 652 |
| Tier 1 risk-based capital ratio | 32.9624% | 409 |
| Total risk-based capital ratio | 33.8226% | 414 |
| Memoranda: | ||
| Average total assets | $94,954,330 | 4,798 |
| Average earning assets | $88,866,670 | 4,757 |
| Average equity | $13,963,000 | 4,051 |
| Average total loans | $31,601,330 | 5,598 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 5,574 |
| Cost of funding earning assets | 0.8000% | 747 |
| Net interest margin | 2.6352% | 6,189 |
| Noninterest income to average assets | 0.4288% | 3,956 |
| Noninterest expense to average assets | 3.4389% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3489% | 6,423 |
| Return on assets (ROA) | -0.3489% | 6,422 |
| Pretax return on assets | -0.5591% | 6,476 |
| Return on Equity (ROE) | -2.3952% | 6,373 |
| Retained earnings to average equity (ytd only) | -2.3952% | 5,900 |
| Net charge-offs to loans | 0.0134% | 3,333 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -133.0000% | 3,652 |
| Efficiency ratio | 119.4161% | 178 |
| Assets per employee ($millions) | 3.0936% | 5,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2316% | 4,475 |
| Loan loss allowance to noncurrent loans | 55.0681% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 4,040 |
| Noncurrent loans to loans | 2.2366% | 1,616 |
| Net loans and leases to total assets | 30.4370% | 6,337 |
| Net loans and leases to deposits | 39.9174% | 6,169 |
| Net loans and leases to core deposits | 43.3150% | 6,105 |
| Total domestic deposits to total assets | 76.2500% | 6,054 |
| Equity capital to assets | 14.6315% | 756 |
| Core capital (leverage) ratio | 14.5535% | 687 |
| Tier 1 risk-based capital ratio | 35.3926% | 341 |
| Total risk-based capital ratio | 36.3241% | 342 |
| Memoranda: | ||
| Average total assets | $95,147,000 | 4,835 |
| Average earning assets | $88,495,500 | 4,811 |
| Average equity | $13,861,000 | 4,069 |
| Average total loans | $29,769,500 | 5,722 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2352% | 6,095 |
| Cost of funding earning assets | 0.9037% | 723 |
| Net interest margin | 2.3315% | 6,498 |
| Noninterest income to average assets | 0.5040% | 3,725 |
| Noninterest expense to average assets | 3.1996% | 2,422 |
| Loan and lease loss provision to assets | 0.0571% | 4,001 |
| Net operating income to assets | -0.3397% | 6,435 |
| Return on assets (ROA) | -0.3051% | 6,435 |
| Pretax return on assets | -0.5244% | 6,494 |
| Return on Equity (ROE) | -2.0405% | 6,381 |
| Retained earnings to average equity (ytd only) | -2.0405% | 6,179 |
| Net charge-offs to loans | 0.0036% | 5,406 |
| Credit loss provision to net charge-offs | 5,600.0000% | 34 |
| Earnings coverage of net charge-offs (x) | -511.0000% | 5,471 |
| Efficiency ratio | 119.4667% | 181 |
| Assets per employee ($millions) | 2.7762% | 6,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 4,556 |
| Loan loss allowance to noncurrent loans | 54.2348% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 0.7130% | 4,111 |
| Noncurrent loans to loans | 2.2445% | 1,728 |
| Net loans and leases to total assets | 31.3801% | 6,418 |
| Net loans and leases to deposits | 41.1429% | 6,266 |
| Net loans and leases to core deposits | 43.2567% | 6,260 |
| Total domestic deposits to total assets | 76.2710% | 6,070 |
| Equity capital to assets | 14.5035% | 784 |
| Core capital (leverage) ratio | 14.5418% | 682 |
| Tier 1 risk-based capital ratio | 35.5513% | 308 |
| Total risk-based capital ratio | 36.4840% | 311 |
| Memoranda: | ||
| Average total assets | $98,011,400 | 4,793 |
| Average earning assets | $91,401,000 | 4,734 |
| Average equity | $14,653,000 | 3,934 |
| Average total loans | $27,791,600 | 5,858 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1573% | 6,246 |
| Cost of funding earning assets | 0.9186% | 747 |
| Net interest margin | 2.2387% | 6,625 |
| Noninterest income to average assets | 0.4947% | 3,850 |
| Noninterest expense to average assets | 3.0692% | 2,757 |
| Loan and lease loss provision to assets | 0.0755% | 3,551 |
| Net operating income to assets | -0.3220% | 6,533 |
| Return on assets (ROA) | -0.2763% | 6,527 |
| Pretax return on assets | -0.4893% | 6,594 |
| Return on Equity (ROE) | -1.8352% | 6,473 |
| Retained earnings to average equity (ytd only) | -1.8352% | 6,248 |
| Net charge-offs to loans | 0.0049% | 5,088 |
| Credit loss provision to net charge-offs | 5,600.0000% | 53 |
| Earnings coverage of net charge-offs (x) | -360.8947% | 5,209 |
| Efficiency ratio | 118.7793% | 182 |
| Assets per employee ($millions) | 3.0886% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 4,489 |
| Loan loss allowance to noncurrent loans | 49.5251% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 4,180 |
| Noncurrent loans to loans | 2.5879% | 1,648 |
| Net loans and leases to total assets | 29.3631% | 6,555 |
| Net loans and leases to deposits | 38.6399% | 6,425 |
| Net loans and leases to core deposits | 40.7727% | 6,426 |
| Total domestic deposits to total assets | 75.9917% | 6,168 |
| Equity capital to assets | 14.7985% | 751 |
| Core capital (leverage) ratio | 14.2559% | 801 |
| Tier 1 risk-based capital ratio | 36.9871% | 284 |
| Total risk-based capital ratio | 37.9509% | 290 |
| Memoranda: | ||
| Average total assets | $98,916,500 | 4,812 |
| Average earning assets | $92,311,750 | 4,762 |
| Average equity | $14,893,750 | 3,935 |
| Average total loans | $27,243,250 | 5,940 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0862% | 6,356 |
| Cost of funding earning assets | 0.9244% | 800 |
| Net interest margin | 2.1619% | 6,701 |
| Noninterest income to average assets | 0.5141% | 3,748 |
| Noninterest expense to average assets | 2.9748% | 3,077 |
| Loan and lease loss provision to assets | 0.1120% | 2,941 |
| Net operating income to assets | -0.3479% | 6,581 |
| Return on assets (ROA) | -0.2801% | 6,572 |
| Pretax return on assets | -0.4501% | 6,610 |
| Return on Equity (ROE) | -1.8500% | 6,517 |
| Retained earnings to average equity (ytd only) | -1.8500% | 6,174 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.5494% | 203 |
| Assets per employee ($millions) | 3.1016% | 5,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3992% | 4,035 |
| Loan loss allowance to noncurrent loans | 58.1210% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 4,594 |
| Noncurrent loans to loans | 2.4073% | 1,955 |
| Net loans and leases to total assets | 26.7520% | 6,665 |
| Net loans and leases to deposits | 34.8268% | 6,583 |
| Net loans and leases to core deposits | 36.9097% | 6,572 |
| Total domestic deposits to total assets | 76.8144% | 6,146 |
| Equity capital to assets | 14.9329% | 724 |
| Core capital (leverage) ratio | 14.3377% | 738 |
| Tier 1 risk-based capital ratio | 38.4241% | 260 |
| Total risk-based capital ratio | 39.4158% | 260 |
| Memoranda: | ||
| Average total assets | $99,973,330 | 4,814 |
| Average earning assets | $93,253,000 | 4,774 |
| Average equity | $15,135,330 | 3,918 |
| Average total loans | $26,831,330 | 5,986 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0424% | 6,468 |
| Cost of funding earning assets | 0.9287% | 852 |
| Net interest margin | 2.1137% | 6,806 |
| Noninterest income to average assets | 0.5693% | 3,307 |
| Noninterest expense to average assets | 2.9170% | 3,282 |
| Loan and lease loss provision to assets | 0.0236% | 4,174 |
| Net operating income to assets | -0.2509% | 6,543 |
| Return on assets (ROA) | -0.1178% | 6,506 |
| Pretax return on assets | -0.1884% | 6,542 |
| Return on Equity (ROE) | -0.7730% | 6,486 |
| Retained earnings to average equity (ytd only) | -0.7730% | 5,922 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6605% | 266 |
| Assets per employee ($millions) | 3.3365% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1828% | 5,252 |
| Loan loss allowance to noncurrent loans | 61.0465% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 5,095 |
| Noncurrent loans to loans | 1.9376% | 2,691 |
| Net loans and leases to total assets | 26.2908% | 6,722 |
| Net loans and leases to deposits | 35.5775% | 6,590 |
| Net loans and leases to core deposits | 37.5594% | 6,578 |
| Total domestic deposits to total assets | 73.8971% | 6,538 |
| Equity capital to assets | 15.4242% | 658 |
| Core capital (leverage) ratio | 13.9567% | 808 |
| Tier 1 risk-based capital ratio | 37.1969% | 288 |
| Total risk-based capital ratio | 38.0191% | 291 |
| Memoranda: | ||
| Average total assets | $101,885,000 | 4,812 |
| Average earning assets | $95,187,500 | 4,758 |
| Average equity | $15,524,000 | 3,901 |
| Average total loans | $27,203,500 | 6,015 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1643% | 6,680 |
| Cost of funding earning assets | 0.9779% | 1,481 |
| Net interest margin | 2.1864% | 6,882 |
| Noninterest income to average assets | 0.2924% | 5,380 |
| Noninterest expense to average assets | 2.6743% | 4,496 |
| Loan and lease loss provision to assets | 0.0722% | 4,830 |
| Net operating income to assets | -0.1391% | 6,326 |
| Return on assets (ROA) | -0.0953% | 6,382 |
| Pretax return on assets | -0.3248% | 6,491 |
| Return on Equity (ROE) | -0.6602% | 6,359 |
| Retained earnings to average equity (ytd only) | -0.6602% | 5,963 |
| Net charge-offs to loans | 0.0654% | 5,034 |
| Credit loss provision to net charge-offs | 433.3333% | 554 |
| Earnings coverage of net charge-offs (x) | -19.2778% | 5,964 |
| Efficiency ratio | 113.6453% | 284 |
| Assets per employee ($millions) | 3.3443% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1125% | 5,500 |
| Loan loss allowance to noncurrent loans | 60.1167% | 4,651 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 4,995 |
| Noncurrent loans to loans | 1.8505% | 2,858 |
| Net loans and leases to total assets | 26.4936% | 6,798 |
| Net loans and leases to deposits | 35.7890% | 6,686 |
| Net loans and leases to core deposits | 37.8458% | 6,681 |
| Total domestic deposits to total assets | 74.0272% | 6,526 |
| Equity capital to assets | 15.0558% | 719 |
| Core capital (leverage) ratio | 13.4047% | 981 |
| Tier 1 risk-based capital ratio | 39.1652% | 249 |
| Total risk-based capital ratio | 40.0126% | 249 |
| Memoranda: | ||
| Average total assets | $108,066,000 | 4,633 |
| Average earning assets | $101,855,800 | 4,552 |
| Average equity | $15,601,400 | 3,842 |
| Average total loans | $27,521,200 | 6,061 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2250% | 6,778 |
| Cost of funding earning assets | 0.9808% | 1,673 |
| Net interest margin | 2.2441% | 6,973 |
| Noninterest income to average assets | 0.2760% | 5,569 |
| Noninterest expense to average assets | 2.5441% | 4,944 |
| Loan and lease loss provision to assets | 0.0953% | 4,386 |
| Net operating income to assets | -0.0151% | 6,303 |
| Return on assets (ROA) | 0.0428% | 6,356 |
| Pretax return on assets | -0.1576% | 6,518 |
| Return on Equity (ROE) | 0.2992% | 6,369 |
| Retained earnings to average equity (ytd only) | 0.2992% | 5,994 |
| Net charge-offs to loans | 0.0874% | 4,508 |
| Credit loss provision to net charge-offs | 433.3333% | 621 |
| Earnings coverage of net charge-offs (x) | -6.9442% | 5,730 |
| Efficiency ratio | 106.3841% | 371 |
| Assets per employee ($millions) | 3.4463% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1098% | 5,675 |
| Loan loss allowance to noncurrent loans | 57.6493% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5767% | 5,225 |
| Noncurrent loans to loans | 1.9251% | 2,931 |
| Net loans and leases to total assets | 24.9674% | 6,946 |
| Net loans and leases to deposits | 35.5259% | 6,826 |
| Net loans and leases to core deposits | 37.5424% | 6,818 |
| Total domestic deposits to total assets | 70.2793% | 6,827 |
| Equity capital to assets | 14.4206% | 992 |
| Core capital (leverage) ratio | 12.8719% | 1,242 |
| Tier 1 risk-based capital ratio | 37.6318% | 298 |
| Total risk-based capital ratio | 38.4383% | 302 |
| Memoranda: | ||
| Average total assets | $109,164,000 | 4,660 |
| Average earning assets | $102,902,500 | 4,576 |
| Average equity | $15,599,500 | 3,883 |
| Average total loans | $27,457,500 | 6,139 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 6,860 |
| Cost of funding earning assets | 0.9806% | 1,875 |
| Net interest margin | 2.2419% | 7,034 |
| Noninterest income to average assets | 0.2647% | 5,687 |
| Noninterest expense to average assets | 2.4818% | 5,200 |
| Loan and lease loss provision to assets | 0.0625% | 4,867 |
| Net operating income to assets | -0.1038% | 6,438 |
| Return on assets (ROA) | -0.0662% | 6,514 |
| Pretax return on assets | -0.1066% | 6,522 |
| Return on Equity (ROE) | -0.4646% | 6,497 |
| Retained earnings to average equity (ytd only) | -0.4646% | 6,116 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3277% | 429 |
| Assets per employee ($millions) | 3.4976% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 6,035 |
| Loan loss allowance to noncurrent loans | 62.7494% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 5,487 |
| Noncurrent loans to loans | 1.6407% | 3,450 |
| Net loans and leases to total assets | 24.3076% | 7,027 |
| Net loans and leases to deposits | 35.1226% | 6,894 |
| Net loans and leases to core deposits | 37.1134% | 6,890 |
| Total domestic deposits to total assets | 69.2077% | 6,945 |
| Equity capital to assets | 13.9362% | 1,125 |
| Core capital (leverage) ratio | 12.8683% | 1,188 |
| Tier 1 risk-based capital ratio | 38.0853% | 277 |
| Total risk-based capital ratio | 38.8364% | 277 |
| Memoranda: | ||
| Average total assets | $108,792,000 | 4,696 |
| Average earning assets | $102,591,330 | 4,613 |
| Average equity | $15,498,330 | 3,890 |
| Average total loans | $27,329,000 | 6,189 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1883% | 6,951 |
| Cost of funding earning assets | 0.9810% | 2,099 |
| Net interest margin | 2.2073% | 7,090 |
| Noninterest income to average assets | 0.2276% | 5,992 |
| Noninterest expense to average assets | 2.5330% | 5,050 |
| Loan and lease loss provision to assets | 0.0522% | 4,758 |
| Net operating income to assets | -0.1734% | 6,605 |
| Return on assets (ROA) | -0.0970% | 6,618 |
| Pretax return on assets | -0.1567% | 6,637 |
| Return on Equity (ROE) | -0.6732% | 6,598 |
| Retained earnings to average equity (ytd only) | -0.6732% | 6,103 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6931% | 340 |
| Assets per employee ($millions) | 3.5213% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 6,320 |
| Loan loss allowance to noncurrent loans | 48.6188% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 5,656 |
| Noncurrent loans to loans | 2.0174% | 3,134 |
| Net loans and leases to total assets | 23.6522% | 7,088 |
| Net loans and leases to deposits | 35.1044% | 6,916 |
| Net loans and leases to core deposits | 37.1446% | 6,903 |
| Total domestic deposits to total assets | 67.3766% | 7,071 |
| Equity capital to assets | 13.7314% | 1,128 |
| Core capital (leverage) ratio | 13.5049% | 950 |
| Tier 1 risk-based capital ratio | 37.9045% | 273 |
| Total risk-based capital ratio | 38.6014% | 276 |
| Memoranda: | ||
| Average total assets | $107,226,000 | 4,767 |
| Average earning assets | $101,120,500 | 4,672 |
| Average equity | $15,448,500 | 3,902 |
| Average total loans | $27,249,000 | 6,236 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6566% | 6,889 |
| Cost of funding earning assets | 1.0769% | 2,826 |
| Net interest margin | 2.5796% | 7,013 |
| Noninterest income to average assets | 0.1251% | 6,523 |
| Noninterest expense to average assets | 2.8307% | 4,233 |
| Loan and lease loss provision to assets | 0.0082% | 6,431 |
| Net operating income to assets | -0.1932% | 6,253 |
| Return on assets (ROA) | -0.0892% | 6,231 |
| Pretax return on assets | -0.1374% | 6,232 |
| Return on Equity (ROE) | -0.5674% | 6,209 |
| Retained earnings to average equity (ytd only) | -1.8719% | 6,140 |
| Net charge-offs to loans | 0.0387% | 5,923 |
| Credit loss provision to net charge-offs | 72.7273% | 4,744 |
| Earnings coverage of net charge-offs (x) | -25.6364% | 6,415 |
| Efficiency ratio | 111.3756% | 410 |
| Assets per employee ($millions) | 3.1803% | 5,747 |
| Cash dividends to net income (ytd only)* | -229.8851% | 7,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 6,529 |
| Loan loss allowance to noncurrent loans | 62.4060% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3921% | 5,990 |
| Noncurrent loans to loans | 1.4466% | 3,999 |
| Net loans and leases to total assets | 26.8579% | 7,096 |
| Net loans and leases to deposits | 36.6173% | 6,984 |
| Net loans and leases to core deposits | 38.3503% | 6,994 |
| Total domestic deposits to total assets | 73.3475% | 6,780 |
| Equity capital to assets | 15.1559% | 742 |
| Core capital (leverage) ratio | 14.3962% | 737 |
| Tier 1 risk-based capital ratio | 39.1855% | 247 |
| Total risk-based capital ratio | 39.8638% | 251 |
| Memoranda: | ||
| Average total assets | $97,536,000 | 4,964 |
| Average earning assets | $91,370,000 | 4,876 |
| Average equity | $15,332,000 | 3,844 |
| Average total loans | $28,444,000 | 6,226 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7007% | 6,933 |
| Cost of funding earning assets | 1.0951% | 3,011 |
| Net interest margin | 2.6056% | 7,070 |
| Noninterest income to average assets | 0.1092% | 6,709 |
| Noninterest expense to average assets | 2.8565% | 4,119 |
| Loan and lease loss provision to assets | 0.0055% | 6,354 |
| Net operating income to assets | -0.2052% | 6,390 |
| Return on assets (ROA) | -0.1244% | 6,391 |
| Pretax return on assets | -0.1921% | 6,407 |
| Return on Equity (ROE) | -0.7839% | 6,349 |
| Retained earnings to average equity (ytd only) | -2.5257% | 6,362 |
| Net charge-offs to loans | 0.0651% | 5,309 |
| Credit loss provision to net charge-offs | 28.5714% | 5,431 |
| Earnings coverage of net charge-offs (x) | -16.0680% | 6,145 |
| Efficiency ratio | 112.2150% | 392 |
| Assets per employee ($millions) | 3.1372% | 5,824 |
| Cash dividends to net income (ytd only)* | -222.2167% | 7,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8744% | 6,671 |
| Loan loss allowance to noncurrent loans | 52.6087% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 5,897 |
| Noncurrent loans to loans | 1.6621% | 3,804 |
| Net loans and leases to total assets | 28.2089% | 7,140 |
| Net loans and leases to deposits | 39.0931% | 7,006 |
| Net loans and leases to core deposits | 40.8968% | 7,012 |
| Total domestic deposits to total assets | 72.1582% | 6,924 |
| Equity capital to assets | 15.8278% | 662 |
| Core capital (leverage) ratio | 14.9983% | 664 |
| Tier 1 risk-based capital ratio | 38.5866% | 277 |
| Total risk-based capital ratio | 39.2359% | 278 |
| Memoranda: | ||
| Average total assets | $96,477,750 | 5,021 |
| Average earning assets | $90,214,500 | 4,950 |
| Average equity | $15,309,000 | 3,859 |
| Average total loans | $28,659,500 | 6,276 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7214% | 6,996 |
| Cost of funding earning assets | 1.1255% | 3,068 |
| Net interest margin | 2.5959% | 7,123 |
| Noninterest income to average assets | 0.1102% | 6,785 |
| Noninterest expense to average assets | 2.8913% | 4,059 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2222% | 6,493 |
| Return on assets (ROA) | -0.1850% | 6,496 |
| Pretax return on assets | -0.2972% | 6,530 |
| Return on Equity (ROE) | -1.1648% | 6,420 |
| Retained earnings to average equity (ytd only) | -3.7825% | 6,453 |
| Net charge-offs to loans | 0.0138% | 5,652 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -85.5000% | 5,865 |
| Efficiency ratio | 114.0164% | 413 |
| Assets per employee ($millions) | 3.1982% | 5,645 |
| Cash dividends to net income (ytd only)* | -224.7191% | 7,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 6,697 |
| Loan loss allowance to noncurrent loans | 174.8252% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 6,719 |
| Noncurrent loans to loans | 0.5067% | 5,889 |
| Net loans and leases to total assets | 29.1557% | 7,208 |
| Net loans and leases to deposits | 39.3274% | 7,087 |
| Net loans and leases to core deposits | 40.9438% | 7,108 |
| Total domestic deposits to total assets | 74.1357% | 6,826 |
| Equity capital to assets | 15.8869% | 621 |
| Core capital (leverage) ratio | 15.0744% | 654 |
| Tier 1 risk-based capital ratio | 37.6298% | 288 |
| Total risk-based capital ratio | 38.2838% | 293 |
| Memoranda: | ||
| Average total assets | $96,219,330 | 5,068 |
| Average earning assets | $89,912,670 | 4,998 |
| Average equity | $15,281,000 | 3,855 |
| Average total loans | $28,987,330 | 6,324 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7059% | 7,064 |
| Cost of funding earning assets | 1.1612% | 3,081 |
| Net interest margin | 2.5448% | 7,166 |
| Noninterest income to average assets | 0.1162% | 6,832 |
| Noninterest expense to average assets | 2.9391% | 3,894 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2781% | 6,636 |
| Return on assets (ROA) | -0.2781% | 6,652 |
| Pretax return on assets | -0.4483% | 6,727 |
| Return on Equity (ROE) | -1.7516% | 6,560 |
| Retained earnings to average equity (ytd only) | -1.7516% | 6,108 |
| Net charge-offs to loans | 0.0545% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -27.0000% | 5,080 |
| Efficiency ratio | 118.0000% | 369 |
| Assets per employee ($millions) | 3.1600% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 6,782 |
| Loan loss allowance to noncurrent loans | 435.0877% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 7,011 |
| Noncurrent loans to loans | 0.1995% | 6,573 |
| Net loans and leases to total assets | 29.8703% | 7,232 |
| Net loans and leases to deposits | 40.4223% | 7,079 |
| Net loans and leases to core deposits | 42.2661% | 7,101 |
| Total domestic deposits to total assets | 73.8956% | 6,916 |
| Equity capital to assets | 16.1034% | 559 |
| Core capital (leverage) ratio | 15.1540% | 633 |
| Tier 1 risk-based capital ratio | 41.2326% | 218 |
| Total risk-based capital ratio | 41.9328% | 219 |
| Memoranda: | ||
| Average total assets | $96,355,500 | 5,099 |
| Average earning assets | $89,910,000 | 5,033 |
| Average equity | $15,300,000 | 3,847 |
| Average total loans | $29,369,000 | 6,364 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2181% | 6,901 |
| Cost of funding earning assets | 1.5154% | 2,555 |
| Net interest margin | 2.7028% | 7,117 |
| Noninterest income to average assets | 0.1404% | 6,690 |
| Noninterest expense to average assets | 2.5647% | 5,562 |
| Loan and lease loss provision to assets | 0.0457% | 6,708 |
| Net operating income to assets | 0.0388% | 5,734 |
| Return on assets (ROA) | 0.1393% | 5,625 |
| Pretax return on assets | 0.2133% | 5,461 |
| Return on Equity (ROE) | 0.8289% | 5,746 |
| Retained earnings to average equity (ytd only) | 0.8289% | 5,137 |
| Net charge-offs to loans | 0.0337% | 6,465 |
| Credit loss provision to net charge-offs | 381.8182% | 654 |
| Earnings coverage of net charge-offs (x) | 8.7273% | 1,930 |
| Efficiency ratio | 96.0864% | 961 |
| Assets per employee ($millions) | 3.3762% | 5,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8352% | 6,893 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 314 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 7,191 |
| Noncurrent loans to loans | 0.0696% | 6,951 |
| Net loans and leases to total assets | 30.5594% | 7,334 |
| Net loans and leases to deposits | 41.5489% | 7,204 |
| Net loans and leases to core deposits | 43.4078% | 7,223 |
| Total domestic deposits to total assets | 73.5505% | 6,942 |
| Equity capital to assets | 15.6612% | 650 |
| Core capital (leverage) ratio | 15.4691% | 588 |
| Tier 1 risk-based capital ratio | 39.0462% | 257 |
| Total risk-based capital ratio | 39.7168% | 259 |
| Memoranda: | ||
| Average total assets | $91,900,200 | 5,225 |
| Average earning assets | $85,986,000 | 5,145 |
| Average equity | $15,443,000 | 3,869 |
| Average total loans | $32,624,600 | 6,280 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 6,865 |
| Cost of funding earning assets | 1.5987% | 2,393 |
| Net interest margin | 2.7691% | 7,163 |
| Noninterest income to average assets | 0.1431% | 6,834 |
| Noninterest expense to average assets | 2.5192% | 5,640 |
| Loan and lease loss provision to assets | 0.0619% | 6,444 |
| Net operating income to assets | 0.0931% | 5,795 |
| Return on assets (ROA) | 0.2271% | 5,585 |
| Pretax return on assets | 0.3643% | 5,331 |
| Return on Equity (ROE) | 1.3273% | 5,811 |
| Retained earnings to average equity (ytd only) | 1.3273% | 5,279 |
| Net charge-offs to loans | 0.0401% | 6,151 |
| Credit loss provision to net charge-offs | 420.0000% | 721 |
| Earnings coverage of net charge-offs (x) | 14.7037% | 1,489 |
| Efficiency ratio | 92.0755% | 1,125 |
| Assets per employee ($millions) | 2.9203% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8167% | 6,968 |
| Loan loss allowance to noncurrent loans | 1,012.0000% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 7,286 |
| Noncurrent loans to loans | 0.0807% | 7,037 |
| Net loans and leases to total assets | 35.0702% | 7,303 |
| Net loans and leases to deposits | 43.9670% | 7,245 |
| Net loans and leases to core deposits | 45.4781% | 7,275 |
| Total domestic deposits to total assets | 79.7649% | 5,787 |
| Equity capital to assets | 17.7959% | 432 |
| Core capital (leverage) ratio | 16.8306% | 447 |
| Tier 1 risk-based capital ratio | 39.0547% | 265 |
| Total risk-based capital ratio | 39.7269% | 274 |
| Memoranda: | ||
| Average total assets | $90,397,500 | 5,342 |
| Average earning assets | $84,647,750 | 5,247 |
| Average equity | $15,470,250 | 3,913 |
| Average total loans | $33,237,500 | 6,334 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 6,898 |
| Cost of funding earning assets | 1.6509% | 2,381 |
| Net interest margin | 2.7484% | 7,203 |
| Noninterest income to average assets | 0.1533% | 6,791 |
| Noninterest expense to average assets | 2.4637% | 5,869 |
| Loan and lease loss provision to assets | 0.0920% | 5,998 |
| Net operating income to assets | 0.1095% | 5,838 |
| Return on assets (ROA) | 0.1095% | 5,946 |
| Pretax return on assets | 0.1752% | 5,833 |
| Return on Equity (ROE) | 0.6481% | 6,043 |
| Retained earnings to average equity (ytd only) | 0.6481% | 5,502 |
| Net charge-offs to loans | 0.0588% | 5,566 |
| Credit loss provision to net charge-offs | 420.0000% | 869 |
| Earnings coverage of net charge-offs (x) | 12.2000% | 1,696 |
| Efficiency ratio | 90.2165% | 1,315 |
| Assets per employee ($millions) | 3.0338% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 7,096 |
| Loan loss allowance to noncurrent loans | 632.5000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 7,277 |
| Noncurrent loans to loans | 0.1218% | 7,026 |
| Net loans and leases to total assets | 37.0375% | 7,318 |
| Net loans and leases to deposits | 46.4439% | 7,231 |
| Net loans and leases to core deposits | 48.0272% | 7,283 |
| Total domestic deposits to total assets | 79.7468% | 5,805 |
| Equity capital to assets | 17.8038% | 436 |
| Core capital (leverage) ratio | 16.5191% | 494 |
| Tier 1 risk-based capital ratio | 37.4436% | 292 |
| Total risk-based capital ratio | 38.0927% | 297 |
| Memoranda: | ||
| Average total assets | $91,326,670 | 5,346 |
| Average earning assets | $85,649,000 | 5,249 |
| Average equity | $15,430,000 | 3,904 |
| Average total loans | $33,990,670 | 6,337 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6277% | 6,475 |
| Cost of funding earning assets | 1.7040% | 2,373 |
| Net interest margin | 2.9237% | 6,981 |
| Noninterest income to average assets | 0.1720% | 6,740 |
| Noninterest expense to average assets | 2.4473% | 5,924 |
| Loan and lease loss provision to assets | 0.1806% | 4,717 |
| Net operating income to assets | 0.1849% | 5,736 |
| Return on assets (ROA) | 0.1849% | 5,864 |
| Pretax return on assets | 0.2968% | 5,613 |
| Return on Equity (ROE) | 1.1232% | 6,090 |
| Retained earnings to average equity (ytd only) | 1.1232% | 5,370 |
| Net charge-offs to loans | 0.0463% | 4,948 |
| Credit loss provision to net charge-offs | 1,050.0000% | 443 |
| Earnings coverage of net charge-offs (x) | 27.7500% | 921 |
| Efficiency ratio | 83.6765% | 2,052 |
| Assets per employee ($millions) | 3.2180% | 5,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 7,221 |
| Loan loss allowance to noncurrent loans | 809.3750% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 7,409 |
| Noncurrent loans to loans | 0.0938% | 7,161 |
| Net loans and leases to total assets | 37.5644% | 7,363 |
| Net loans and leases to deposits | 46.5257% | 7,310 |
| Net loans and leases to core deposits | 48.0604% | 7,360 |
| Total domestic deposits to total assets | 80.7389% | 5,536 |
| Equity capital to assets | 17.0647% | 527 |
| Core capital (leverage) ratio | 15.7225% | 622 |
| Tier 1 risk-based capital ratio | 35.8271% | 335 |
| Total risk-based capital ratio | 36.4632% | 347 |
| Memoranda: | ||
| Average total assets | $92,999,500 | 5,351 |
| Average earning assets | $87,560,500 | 5,254 |
| Average equity | $15,313,000 | 3,959 |
| Average total loans | $34,566,500 | 6,393 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5927% | 7,294 |
| Cost of funding earning assets | 2.1284% | 2,333 |
| Net interest margin | 2.4643% | 7,463 |
| Noninterest income to average assets | 0.1887% | 6,740 |
| Noninterest expense to average assets | 2.4537% | 6,293 |
| Loan and lease loss provision to assets | 0.0765% | 6,828 |
| Net operating income to assets | -0.0009% | 5,487 |
| Return on assets (ROA) | 0.0428% | 5,411 |
| Pretax return on assets | 0.0683% | 5,278 |
| Return on Equity (ROE) | 0.2805% | 5,449 |
| Retained earnings to average equity (ytd only) | 0.2805% | 4,754 |
| Net charge-offs to loans | 0.1306% | 5,891 |
| Credit loss provision to net charge-offs | 163.0435% | 2,695 |
| Earnings coverage of net charge-offs (x) | 1.6304% | 4,518 |
| Efficiency ratio | 96.9770% | 1,269 |
| Assets per employee ($millions) | 3.3067% | 5,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6309% | 7,513 |
| Loan loss allowance to noncurrent loans | 451.0204% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 7,371 |
| Noncurrent loans to loans | 0.1399% | 7,079 |
| Net loans and leases to total assets | 36.2959% | 7,508 |
| Net loans and leases to deposits | 44.7740% | 7,484 |
| Net loans and leases to core deposits | 55.9231% | 7,408 |
| Total domestic deposits to total assets | 81.0647% | 5,325 |
| Equity capital to assets | 15.9028% | 713 |
| Core capital (leverage) ratio | 15.1881% | 742 |
| Tier 1 risk-based capital ratio | 34.5406% | 354 |
| Total risk-based capital ratio | 35.0654% | 368 |
| Memoranda: | ||
| Average total assets | $98,057,600 | 5,138 |
| Average earning assets | $93,169,600 | 5,028 |
| Average equity | $14,975,800 | 4,059 |
| Average total loans | $35,233,000 | 6,347 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5792% | 7,438 |
| Cost of funding earning assets | 2.2135% | 2,345 |
| Net interest margin | 2.3656% | 7,587 |
| Noninterest income to average assets | 0.1853% | 6,896 |
| Noninterest expense to average assets | 2.3056% | 6,688 |
| Loan and lease loss provision to assets | 0.1001% | 6,366 |
| Net operating income to assets | 0.0164% | 5,674 |
| Return on assets (ROA) | 0.0744% | 5,583 |
| Pretax return on assets | 0.1203% | 5,482 |
| Return on Equity (ROE) | 0.4919% | 5,642 |
| Retained earnings to average equity (ytd only) | 0.4919% | 5,000 |
| Net charge-offs to loans | 0.1587% | 5,118 |
| Credit loss provision to net charge-offs | 176.1905% | 2,621 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 4,112 |
| Efficiency ratio | 94.6696% | 1,359 |
| Assets per employee ($millions) | 3.2183% | 5,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6510% | 7,485 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 7,563 |
| Noncurrent loans to loans | 0.0347% | 7,427 |
| Net loans and leases to total assets | 35.5654% | 7,632 |
| Net loans and leases to deposits | 43.7856% | 7,626 |
| Net loans and leases to core deposits | 54.4408% | 7,581 |
| Total domestic deposits to total assets | 81.2261% | 4,987 |
| Equity capital to assets | 15.7630% | 837 |
| Core capital (leverage) ratio | 14.9164% | 876 |
| Tier 1 risk-based capital ratio | 34.7090% | 389 |
| Total risk-based capital ratio | 35.2455% | 398 |
| Memoranda: | ||
| Average total assets | $98,598,250 | 5,163 |
| Average earning assets | $93,784,500 | 5,046 |
| Average equity | $14,907,250 | 4,111 |
| Average total loans | $35,284,500 | 6,391 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6216% | 7,497 |
| Cost of funding earning assets | 2.2875% | 2,403 |
| Net interest margin | 2.3341% | 7,644 |
| Noninterest income to average assets | 0.1974% | 6,881 |
| Noninterest expense to average assets | 2.3166% | 6,716 |
| Loan and lease loss provision to assets | 0.1390% | 5,682 |
| Net operating income to assets | -0.0238% | 5,887 |
| Return on assets (ROA) | -0.0624% | 6,008 |
| Pretax return on assets | -0.0987% | 5,992 |
| Return on Equity (ROE) | -0.4188% | 5,986 |
| Retained earnings to average equity (ytd only) | -0.4188% | 5,329 |
| Net charge-offs to loans | 0.2365% | 4,017 |
| Credit loss provision to net charge-offs | 164.2857% | 2,789 |
| Earnings coverage of net charge-offs (x) | 1.1905% | 4,636 |
| Efficiency ratio | 95.8333% | 1,388 |
| Assets per employee ($millions) | 3.3101% | 5,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6146% | 7,609 |
| Loan loss allowance to noncurrent loans | 179.5082% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.1229% | 7,255 |
| Noncurrent loans to loans | 0.3424% | 6,658 |
| Net loans and leases to total assets | 35.6646% | 7,719 |
| Net loans and leases to deposits | 43.9535% | 7,701 |
| Net loans and leases to core deposits | 54.8575% | 7,639 |
| Total domestic deposits to total assets | 81.1416% | 5,024 |
| Equity capital to assets | 15.0761% | 1,015 |
| Core capital (leverage) ratio | 14.5279% | 1,017 |
| Tier 1 risk-based capital ratio | 32.9081% | 469 |
| Total risk-based capital ratio | 33.4061% | 481 |
| Memoranda: | ||
| Average total assets | $99,281,330 | 5,184 |
| Average earning assets | $94,426,670 | 5,057 |
| Average equity | $14,803,330 | 4,145 |
| Average total loans | $35,525,000 | 6,435 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5859% | 7,628 |
| Cost of funding earning assets | 2.3649% | 2,442 |
| Net interest margin | 2.2210% | 7,777 |
| Noninterest income to average assets | 0.2216% | 6,698 |
| Noninterest expense to average assets | 2.3693% | 6,299 |
| Loan and lease loss provision to assets | 0.1571% | 4,923 |
| Net operating income to assets | -0.1160% | 6,438 |
| Return on assets (ROA) | -0.1934% | 6,630 |
| Pretax return on assets | -0.3103% | 6,684 |
| Return on Equity (ROE) | -1.3044% | 6,587 |
| Retained earnings to average equity (ytd only) | -1.3044% | 5,961 |
| Net charge-offs to loans | 0.3721% | 2,600 |
| Credit loss provision to net charge-offs | 118.1818% | 3,317 |
| Earnings coverage of net charge-offs (x) | -0.2424% | 5,160 |
| Efficiency ratio | 101.3793% | 1,072 |
| Assets per employee ($millions) | 3.3432% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5655% | 7,727 |
| Loan loss allowance to noncurrent loans | 404.0816% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 7,454 |
| Noncurrent loans to loans | 0.1400% | 7,121 |
| Net loans and leases to total assets | 34.7116% | 7,780 |
| Net loans and leases to deposits | 42.6000% | 7,766 |
| Net loans and leases to core deposits | 53.3908% | 7,694 |
| Total domestic deposits to total assets | 81.4826% | 4,753 |
| Equity capital to assets | 14.8293% | 1,152 |
| Core capital (leverage) ratio | 14.6829% | 1,036 |
| Tier 1 risk-based capital ratio | 33.2850% | 482 |
| Total risk-based capital ratio | 33.7409% | 501 |
| Memoranda: | ||
| Average total assets | $99,270,500 | 5,200 |
| Average earning assets | $94,550,500 | 5,075 |
| Average equity | $14,719,500 | 4,189 |
| Average total loans | $35,470,000 | 6,466 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 7,699 |
| Cost of funding earning assets | 2.9984% | 1,867 |
| Net interest margin | 2.1805% | 7,970 |
| Noninterest income to average assets | 0.1941% | 7,068 |
| Noninterest expense to average assets | 2.2298% | 6,896 |
| Loan and lease loss provision to assets | 0.0224% | 7,115 |
| Net operating income to assets | 0.0076% | 6,346 |
| Return on assets (ROA) | 0.0488% | 6,092 |
| Pretax return on assets | 0.0790% | 5,991 |
| Return on Equity (ROE) | 0.3438% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.3438% | 5,035 |
| Net charge-offs to loans | 0.0364% | 6,294 |
| Credit loss provision to net charge-offs | 176.9231% | 2,863 |
| Earnings coverage of net charge-offs (x) | 2.9231% | 4,620 |
| Efficiency ratio | 98.3649% | 1,048 |
| Assets per employee ($millions) | 2.9772% | 6,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5344% | 7,795 |
| Loan loss allowance to noncurrent loans | 1,745.4545% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 6,855 |
| Noncurrent loans to loans | 0.0306% | 7,386 |
| Net loans and leases to total assets | 36.3740% | 7,820 |
| Net loans and leases to deposits | 44.5853% | 7,832 |
| Net loans and leases to core deposits | 57.1410% | 7,704 |
| Total domestic deposits to total assets | 81.5830% | 4,372 |
| Equity capital to assets | 14.8260% | 1,206 |
| Core capital (leverage) ratio | 14.7338% | 1,085 |
| Tier 1 risk-based capital ratio | 33.2059% | 504 |
| Total risk-based capital ratio | 33.6455% | 521 |
| Memoranda: | ||
| Average total assets | $102,522,600 | 4,976 |
| Average earning assets | $97,453,400 | 4,877 |
| Average equity | $14,542,200 | 4,231 |
| Average total loans | $35,754,800 | 6,381 |