Home > 1st Federal Savings Bank of SC, Inc. > Performance and Condition Ratios
1st Federal Savings Bank of SC, Inc., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1913% | 3,642 |
| Cost of funding earning assets | 0.7071% | 3,920 |
| Net interest margin | 3.4843% | 2,220 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 3.2112% | 823 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4505% | 3,766 |
| Return on assets (ROA) | 0.4154% | 3,834 |
| Pretax return on assets | 0.5448% | 3,736 |
| Return on Equity (ROE) | 6.3000% | 3,461 |
| Retained earnings to average equity (ytd only) | 6.3003% | 2,131 |
| Net charge-offs to loans | 0.0076% | 2,396 |
| Credit loss provision to net charge-offs | 1,187.5000% | 357 |
| Earnings coverage of net charge-offs (x) | 123.8750% | 807 |
| Efficiency ratio | 83.0017% | 719 |
| Assets per employee ($millions) | 6.3183% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 3,976 |
| Loan loss allowance to noncurrent loans | 947.4747% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 3,152 |
| Noncurrent loans to loans | 0.0838% | 3,126 |
| Net loans and leases to total assets | 74.2000% | 1,326 |
| Net loans and leases to deposits | 93.8832% | 948 |
| Net loans and leases to core deposits | 98.2908% | 1,529 |
| Total domestic deposits to total assets | 79.0300% | 3,607 |
| Equity capital to assets | 6.7265% | 4,040 |
| Core capital (leverage) ratio | 7.9316% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8787% | 1,300 |
| Memoranda: | ||
| Average total assets | $150,689,200 | 3,354 |
| Average earning assets | $145,109,600 | 3,293 |
| Average equity | $9,936,000 | 3,726 |
| Average total loans | $105,460,200 | 3,120 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 3,609 |
| Cost of funding earning assets | 0.6172% | 3,941 |
| Net interest margin | 3.5091% | 2,192 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 3.1588% | 862 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.4650% | 3,835 |
| Return on assets (ROA) | 0.4487% | 3,868 |
| Pretax return on assets | 0.5929% | 3,744 |
| Return on Equity (ROE) | 6.8400% | 3,471 |
| Retained earnings to average equity (ytd only) | 6.8415% | 2,347 |
| Net charge-offs to loans | 0.0078% | 2,124 |
| Credit loss provision to net charge-offs | 1,216.6667% | 357 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 815 |
| Efficiency ratio | 82.2336% | 717 |
| Assets per employee ($millions) | 6.1656% | 2,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 3,920 |
| Loan loss allowance to noncurrent loans | 891.2621% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,166 |
| Noncurrent loans to loans | 0.0930% | 3,109 |
| Net loans and leases to total assets | 71.2200% | 1,666 |
| Net loans and leases to deposits | 79.7810% | 2,071 |
| Net loans and leases to core deposits | 82.9130% | 2,402 |
| Total domestic deposits to total assets | 89.2700% | 1,163 |
| Equity capital to assets | 6.5771% | 3,803 |
| Core capital (leverage) ratio | 7.9584% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6696% | 1,161 |
| Memoranda: | ||
| Average total assets | $148,872,250 | 3,383 |
| Average earning assets | $143,432,250 | 3,315 |
| Average equity | $9,763,750 | 3,745 |
| Average total loans | $102,290,500 | 3,152 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0711% | 3,547 |
| Cost of funding earning assets | 0.5290% | 3,924 |
| Net interest margin | 3.5421% | 2,173 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 3.1281% | 872 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.5042% | 3,801 |
| Return on assets (ROA) | 0.4880% | 3,838 |
| Pretax return on assets | 0.6539% | 3,694 |
| Return on Equity (ROE) | 7.4500% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.4489% | 2,149 |
| Net charge-offs to loans | 0.0080% | 1,913 |
| Credit loss provision to net charge-offs | 1,075.0000% | 390 |
| Earnings coverage of net charge-offs (x) | 135.7500% | 789 |
| Efficiency ratio | 80.9072% | 785 |
| Assets per employee ($millions) | 6.0824% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8450% | 3,916 |
| Loan loss allowance to noncurrent loans | 831.7757% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,068 |
| Noncurrent loans to loans | 0.1016% | 2,980 |
| Net loans and leases to total assets | 68.6800% | 1,886 |
| Net loans and leases to deposits | 79.3444% | 2,023 |
| Net loans and leases to core deposits | 83.5715% | 2,233 |
| Total domestic deposits to total assets | 86.5700% | 2,072 |
| Equity capital to assets | 6.5659% | 3,972 |
| Core capital (leverage) ratio | 7.9853% | 4,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0835% | 1,112 |
| Memoranda: | ||
| Average total assets | $147,116,333 | 3,409 |
| Average earning assets | $141,780,333 | 3,344 |
| Average equity | $9,639,000 | 3,781 |
| Average total loans | $99,487,667 | 3,176 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 3,657 |
| Cost of funding earning assets | 0.3616% | 4,044 |
| Net interest margin | 3.5444% | 2,251 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 3.1498% | 863 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.4978% | 3,906 |
| Return on assets (ROA) | 0.4978% | 3,871 |
| Pretax return on assets | 0.6665% | 3,725 |
| Return on Equity (ROE) | 7.6100% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.6058% | 2,334 |
| Net charge-offs to loans | 0.0083% | 1,634 |
| Credit loss provision to net charge-offs | 750.0000% | 428 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 677 |
| Efficiency ratio | 81.6487% | 726 |
| Assets per employee ($millions) | 5.8392% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 3,931 |
| Loan loss allowance to noncurrent loans | 785.4545% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.0754% | 3,048 |
| Noncurrent loans to loans | 0.1107% | 2,967 |
| Net loans and leases to total assets | 67.4800% | 1,900 |
| Net loans and leases to deposits | 73.4255% | 2,340 |
| Net loans and leases to core deposits | 74.9865% | 2,601 |
| Total domestic deposits to total assets | 91.9100% | 538 |
| Equity capital to assets | 6.6070% | 3,997 |
| Core capital (leverage) ratio | 8.2002% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4804% | 1,072 |
| Memoranda: | ||
| Average total assets | $144,645,000 | 3,478 |
| Average earning assets | $139,373,500 | 3,414 |
| Average equity | $9,466,500 | 3,845 |
| Average total loans | $96,566,000 | 3,247 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 3,721 |
| Cost of funding earning assets | 0.1941% | 3,806 |
| Net interest margin | 3.0544% | 3,303 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 3.1799% | 741 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.2568% | 4,409 |
| Return on assets (ROA) | 0.2762% | 4,363 |
| Pretax return on assets | 0.3524% | 4,325 |
| Return on Equity (ROE) | 3.8900% | 4,176 |
| Retained earnings to average equity (ytd only) | 3.8894% | 3,433 |
| Net charge-offs to loans | 0.0129% | 1,897 |
| Credit loss provision to net charge-offs | -109.0909% | 4,582 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,508 |
| Efficiency ratio | 90.8827% | 280 |
| Assets per employee ($millions) | 5.9712% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 3,741 |
| Loan loss allowance to noncurrent loans | 567.3333% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1047% | 2,797 |
| Noncurrent loans to loans | 0.1600% | 2,695 |
| Net loans and leases to total assets | 64.8300% | 2,163 |
| Net loans and leases to deposits | 71.1169% | 2,476 |
| Net loans and leases to core deposits | 71.2817% | 2,774 |
| Total domestic deposits to total assets | 91.1600% | 893 |
| Equity capital to assets | 6.4811% | 3,904 |
| Core capital (leverage) ratio | 8.3175% | 4,254 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0605% | 973 |
| Memoranda: | ||
| Average total assets | $137,928,600 | 3,553 |
| Average earning assets | $132,922,800 | 3,496 |
| Average equity | $9,795,800 | 3,897 |
| Average total loans | $85,091,600 | 3,343 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1005% | 3,676 |
| Cost of funding earning assets | 0.1894% | 3,402 |
| Net interest margin | 2.9112% | 3,460 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 3.1794% | 706 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.1915% | 4,482 |
| Return on assets (ROA) | 0.2177% | 4,425 |
| Pretax return on assets | 0.2743% | 4,403 |
| Return on Equity (ROE) | 3.0000% | 4,296 |
| Retained earnings to average equity (ytd only) | 2.9964% | 3,772 |
| Net charge-offs to loans | 0.0145% | 1,587 |
| Credit loss provision to net charge-offs | -222.2222% | 4,666 |
| Earnings coverage of net charge-offs (x) | 25.2222% | 1,608 |
| Efficiency ratio | 93.4845% | 242 |
| Assets per employee ($millions) | 5.8711% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 3,739 |
| Loan loss allowance to noncurrent loans | 789.7196% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.0759% | 3,139 |
| Noncurrent loans to loans | 0.1190% | 3,050 |
| Net loans and leases to total assets | 63.2200% | 2,167 |
| Net loans and leases to deposits | 67.6729% | 2,562 |
| Net loans and leases to core deposits | 67.8280% | 2,818 |
| Total domestic deposits to total assets | 93.4300% | 461 |
| Equity capital to assets | 6.3929% | 3,795 |
| Core capital (leverage) ratio | 8.1012% | 4,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5953% | 907 |
| Memoranda: | ||
| Average total assets | $136,583,500 | 3,588 |
| Average earning assets | $131,673,000 | 3,529 |
| Average equity | $9,922,750 | 3,926 |
| Average total loans | $82,925,500 | 3,379 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9324% | 3,717 |
| Cost of funding earning assets | 0.1904% | 3,043 |
| Net interest margin | 2.7420% | 3,598 |
| Noninterest income to average assets | 0.6615% | 1,493 |
| Noninterest expense to average assets | 3.2114% | 617 |
| Loan and lease loss provision to assets | -0.0296% | 4,465 |
| Net operating income to assets | 0.0964% | 4,515 |
| Return on assets (ROA) | 0.1362% | 4,448 |
| Pretax return on assets | 0.1732% | 4,435 |
| Return on Equity (ROE) | 1.7990% | 4,372 |
| Retained earnings to average equity (ytd only) | 1.7990% | 3,805 |
| Net charge-offs to loans | 0.0174% | 1,395 |
| Credit loss provision to net charge-offs | -285.7143% | 3,278 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,804 |
| Efficiency ratio | 97.1787% | 227 |
| Assets per employee ($millions) | 5.8152% | 2,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,581 |
| Loan loss allowance to noncurrent loans | 784.2593% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,201 |
| Noncurrent loans to loans | 0.1279% | 3,079 |
| Net loans and leases to total assets | 59.9066% | 2,334 |
| Net loans and leases to deposits | 64.3485% | 2,686 |
| Net loans and leases to core deposits | 64.4979% | 2,926 |
| Total domestic deposits to total assets | 93.0971% | 495 |
| Equity capital to assets | 6.7410% | 3,915 |
| Core capital (leverage) ratio | 8.2214% | 4,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0930% | 836 |
| Memoranda: | ||
| Average total assets | $135,142,333 | 3,648 |
| Average earning assets | $130,269,667 | 3,595 |
| Average equity | $10,227,667 | 3,961 |
| Average total loans | $80,589,667 | 3,448 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8269% | 3,697 |
| Cost of funding earning assets | 0.1903% | 2,944 |
| Net interest margin | 2.6366% | 3,563 |
| Noninterest income to average assets | 0.7553% | 1,159 |
| Noninterest expense to average assets | 3.2769% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0155% | 4,541 |
| Return on assets (ROA) | 0.0963% | 4,445 |
| Pretax return on assets | 0.1234% | 4,416 |
| Return on Equity (ROE) | 1.2033% | 4,390 |
| Retained earnings to average equity (ytd only) | 1.2033% | 3,774 |
| Net charge-offs to loans | 0.0153% | 1,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2.3333% | 1,709 |
| Efficiency ratio | 99.3613% | 255 |
| Assets per employee ($millions) | 5.6989% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 3,394 |
| Loan loss allowance to noncurrent loans | 791.8182% | 1,073 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,273 |
| Noncurrent loans to loans | 0.1370% | 3,126 |
| Net loans and leases to total assets | 58.0560% | 2,290 |
| Net loans and leases to deposits | 62.7956% | 2,642 |
| Net loans and leases to core deposits | 62.9454% | 2,897 |
| Total domestic deposits to total assets | 92.4525% | 419 |
| Equity capital to assets | 7.4072% | 3,985 |
| Core capital (leverage) ratio | 8.4804% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2454% | 723 |
| Memoranda: | ||
| Average total assets | $132,931,500 | 3,693 |
| Average earning assets | $128,197,000 | 3,634 |
| Average equity | $10,637,500 | 3,987 |
| Average total loans | $78,657,000 | 3,479 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9019% | 4,050 |
| Cost of funding earning assets | 0.2961% | 2,441 |
| Net interest margin | 2.6058% | 4,040 |
| Noninterest income to average assets | 1.3170% | 620 |
| Noninterest expense to average assets | 3.4186% | 531 |
| Loan and lease loss provision to assets | -0.0237% | 4,244 |
| Net operating income to assets | 0.2815% | 4,447 |
| Return on assets (ROA) | 0.9631% | 2,891 |
| Pretax return on assets | 1.2949% | 2,376 |
| Return on Equity (ROE) | 11.2506% | 2,075 |
| Retained earnings to average equity (ytd only) | 11.2506% | 657 |
| Net charge-offs to loans | 0.0173% | 1,937 |
| Credit loss provision to net charge-offs | -230.7692% | 3,547 |
| Earnings coverage of net charge-offs (x) | 39.7692% | 1,443 |
| Efficiency ratio | 89.3270% | 350 |
| Assets per employee ($millions) | 5.3788% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,200 |
| Loan loss allowance to noncurrent loans | 773.4513% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 3,327 |
| Noncurrent loans to loans | 0.1467% | 3,205 |
| Net loans and leases to total assets | 59.0007% | 2,271 |
| Net loans and leases to deposits | 64.6987% | 2,625 |
| Net loans and leases to core deposits | 65.2592% | 2,883 |
| Total domestic deposits to total assets | 91.1930% | 422 |
| Equity capital to assets | 8.6327% | 3,957 |
| Core capital (leverage) ratio | 8.6627% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9163% | 661 |
| Memoranda: | ||
| Average total assets | $126,573,800 | 3,730 |
| Average earning assets | $121,919,200 | 3,664 |
| Average equity | $10,835,000 | 4,056 |
| Average total loans | $75,109,600 | 3,557 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9349% | 4,111 |
| Cost of funding earning assets | 0.3223% | 2,381 |
| Net interest margin | 2.6126% | 4,111 |
| Noninterest income to average assets | 1.4133% | 601 |
| Noninterest expense to average assets | 3.3824% | 545 |
| Loan and lease loss provision to assets | 0.0214% | 2,564 |
| Net operating income to assets | 0.3396% | 4,454 |
| Return on assets (ROA) | 1.2386% | 2,090 |
| Pretax return on assets | 1.6621% | 1,518 |
| Return on Equity (ROE) | 14.5008% | 1,258 |
| Retained earnings to average equity (ytd only) | 14.5008% | 460 |
| Net charge-offs to loans | 0.0125% | 1,868 |
| Credit loss provision to net charge-offs | 285.7143% | 1,030 |
| Earnings coverage of net charge-offs (x) | 73.5714% | 1,031 |
| Efficiency ratio | 86.1186% | 430 |
| Assets per employee ($millions) | 5.5105% | 3,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,743 |
| Loan loss allowance to noncurrent loans | 775.0000% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 3,491 |
| Noncurrent loans to loans | 0.1611% | 3,316 |
| Net loans and leases to total assets | 55.6105% | 2,775 |
| Net loans and leases to deposits | 61.1111% | 3,129 |
| Net loans and leases to core deposits | 62.9470% | 3,225 |
| Total domestic deposits to total assets | 90.9990% | 369 |
| Equity capital to assets | 8.5556% | 4,174 |
| Core capital (leverage) ratio | 8.4459% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1419% | 592 |
| Memoranda: | ||
| Average total assets | $125,944,750 | 3,769 |
| Average earning assets | $121,203,750 | 3,710 |
| Average equity | $10,757,750 | 4,114 |
| Average total loans | $74,627,500 | 3,614 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9941% | 4,058 |
| Cost of funding earning assets | 0.3517% | 2,306 |
| Net interest margin | 2.6423% | 4,099 |
| Noninterest income to average assets | 1.5477% | 520 |
| Noninterest expense to average assets | 3.4738% | 479 |
| Loan and lease loss provision to assets | 0.0323% | 2,336 |
| Net operating income to assets | 0.3895% | 4,407 |
| Return on assets (ROA) | 1.0884% | 2,652 |
| Pretax return on assets | 1.4652% | 2,122 |
| Return on Equity (ROE) | 12.8911% | 1,756 |
| Retained earnings to average equity (ytd only) | 12.8911% | 741 |
| Net charge-offs to loans | 0.0134% | 1,681 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | 75.8000% | 858 |
| Efficiency ratio | 85.0020% | 510 |
| Assets per employee ($millions) | 5.4326% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,768 |
| Loan loss allowance to noncurrent loans | 763.9344% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.0936% | 3,584 |
| Noncurrent loans to loans | 0.1612% | 3,411 |
| Net loans and leases to total assets | 57.3434% | 2,744 |
| Net loans and leases to deposits | 63.8267% | 3,021 |
| Net loans and leases to core deposits | 65.7943% | 3,131 |
| Total domestic deposits to total assets | 89.8422% | 849 |
| Equity capital to assets | 8.2795% | 4,368 |
| Core capital (leverage) ratio | 8.4798% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0346% | 702 |
| Memoranda: | ||
| Average total assets | $123,668,333 | 3,815 |
| Average earning assets | $118,835,667 | 3,750 |
| Average equity | $10,441,333 | 4,155 |
| Average total loans | $74,678,000 | 3,639 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0176% | 4,038 |
| Cost of funding earning assets | 0.3915% | 2,161 |
| Net interest margin | 2.6261% | 4,098 |
| Noninterest income to average assets | 1.9716% | 387 |
| Noninterest expense to average assets | 3.5142% | 459 |
| Loan and lease loss provision to assets | 0.0432% | 2,202 |
| Net operating income to assets | 0.7015% | 3,700 |
| Return on assets (ROA) | 0.7015% | 3,763 |
| Pretax return on assets | 0.9342% | 3,527 |
| Return on Equity (ROE) | 8.2225% | 3,262 |
| Retained earnings to average equity (ytd only) | 8.2225% | 2,170 |
| Net charge-offs to loans | 0.0108% | 1,541 |
| Credit loss provision to net charge-offs | 650.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 147.0000% | 496 |
| Efficiency ratio | 78.2383% | 939 |
| Assets per employee ($millions) | 5.1613% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 2,606 |
| Loan loss allowance to noncurrent loans | 736.5079% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2018% | 3,146 |
| Noncurrent loans to loans | 0.1713% | 3,495 |
| Net loans and leases to total assets | 58.6284% | 2,725 |
| Net loans and leases to deposits | 65.1935% | 3,006 |
| Net loans and leases to core deposits | 67.3065% | 3,130 |
| Total domestic deposits to total assets | 89.9298% | 853 |
| Equity capital to assets | 8.3136% | 4,266 |
| Core capital (leverage) ratio | 8.6526% | 3,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6058% | 721 |
| Memoranda: | ||
| Average total assets | $120,311,000 | 3,854 |
| Average earning assets | $115,455,500 | 3,789 |
| Average equity | $10,264,500 | 4,187 |
| Average total loans | $74,168,000 | 3,664 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 3,075 |
| Cost of funding earning assets | 0.5222% | 2,800 |
| Net interest margin | 3.3614% | 2,895 |
| Noninterest income to average assets | 1.9339% | 348 |
| Noninterest expense to average assets | 3.8650% | 427 |
| Loan and lease loss provision to assets | 0.0877% | 3,266 |
| Net operating income to assets | 0.8553% | 2,881 |
| Return on assets (ROA) | 0.8553% | 3,020 |
| Pretax return on assets | 1.1708% | 2,439 |
| Return on Equity (ROE) | 9.5396% | 2,187 |
| Retained earnings to average equity (ytd only) | 9.5396% | 678 |
| Net charge-offs to loans | 0.0447% | 2,173 |
| Credit loss provision to net charge-offs | 271.4286% | 1,837 |
| Earnings coverage of net charge-offs (x) | 38.9714% | 1,411 |
| Efficiency ratio | 75.4367% | 1,295 |
| Assets per employee ($millions) | 4.8647% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2262% | 2,811 |
| Loan loss allowance to noncurrent loans | 757.8512% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.2407% | 3,086 |
| Noncurrent loans to loans | 0.1618% | 3,630 |
| Net loans and leases to total assets | 63.2692% | 2,459 |
| Net loans and leases to deposits | 70.7765% | 2,799 |
| Net loans and leases to core deposits | 73.7714% | 2,929 |
| Total domestic deposits to total assets | 89.3929% | 809 |
| Equity capital to assets | 8.7630% | 4,248 |
| Core capital (leverage) ratio | 8.6144% | 4,087 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8933% | 781 |
| Memoranda: | ||
| Average total assets | $108,383,800 | 3,895 |
| Average earning assets | $102,843,400 | 3,861 |
| Average equity | $9,717,400 | 4,225 |
| Average total loans | $78,348,400 | 3,587 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0765% | 2,736 |
| Cost of funding earning assets | 0.5475% | 2,947 |
| Net interest margin | 3.5290% | 2,487 |
| Noninterest income to average assets | 1.8464% | 355 |
| Noninterest expense to average assets | 3.8183% | 453 |
| Loan and lease loss provision to assets | 0.0687% | 3,472 |
| Net operating income to assets | 0.9533% | 2,504 |
| Return on assets (ROA) | 0.9533% | 2,641 |
| Pretax return on assets | 1.2983% | 2,056 |
| Return on Equity (ROE) | 10.5674% | 1,825 |
| Retained earnings to average equity (ytd only) | 10.5674% | 662 |
| Net charge-offs to loans | 0.0522% | 1,857 |
| Credit loss provision to net charge-offs | 177.4194% | 2,191 |
| Earnings coverage of net charge-offs (x) | 35.1613% | 1,461 |
| Efficiency ratio | 73.6333% | 1,449 |
| Assets per employee ($millions) | 4.6517% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 2,971 |
| Loan loss allowance to noncurrent loans | 194.0529% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 2,479 |
| Noncurrent loans to loans | 0.5878% | 2,330 |
| Net loans and leases to total assets | 65.6549% | 2,560 |
| Net loans and leases to deposits | 74.9578% | 2,858 |
| Net loans and leases to core deposits | 77.2481% | 3,074 |
| Total domestic deposits to total assets | 87.5891% | 1,400 |
| Equity capital to assets | 8.6592% | 4,364 |
| Core capital (leverage) ratio | 8.5819% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6947% | 949 |
| Memoranda: | ||
| Average total assets | $106,291,750 | 3,913 |
| Average earning assets | $100,574,500 | 3,883 |
| Average equity | $9,589,000 | 4,251 |
| Average total loans | $79,239,250 | 3,586 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,573 |
| Cost of funding earning assets | 0.5735% | 3,114 |
| Net interest margin | 3.6884% | 2,211 |
| Noninterest income to average assets | 1.6648% | 381 |
| Noninterest expense to average assets | 3.9239% | 443 |
| Loan and lease loss provision to assets | 0.0583% | 3,575 |
| Net operating income to assets | 0.8547% | 2,852 |
| Return on assets (ROA) | 0.8547% | 2,969 |
| Pretax return on assets | 1.1558% | 2,523 |
| Return on Equity (ROE) | 9.3332% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.3332% | 929 |
| Net charge-offs to loans | 0.0200% | 2,323 |
| Credit loss provision to net charge-offs | 375.0000% | 1,459 |
| Earnings coverage of net charge-offs (x) | 78.1250% | 822 |
| Efficiency ratio | 76.3705% | 1,226 |
| Assets per employee ($millions) | 4.3470% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 2,819 |
| Loan loss allowance to noncurrent loans | 242.8177% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.3203% | 3,033 |
| Noncurrent loans to loans | 0.4702% | 2,739 |
| Net loans and leases to total assets | 67.3359% | 2,447 |
| Net loans and leases to deposits | 77.6899% | 2,695 |
| Net loans and leases to core deposits | 80.3669% | 2,915 |
| Total domestic deposits to total assets | 86.6726% | 1,743 |
| Equity capital to assets | 8.6319% | 4,400 |
| Core capital (leverage) ratio | 9.0189% | 3,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5030% | 979 |
| Memoranda: | ||
| Average total assets | $102,958,000 | 3,958 |
| Average earning assets | $96,952,333 | 3,928 |
| Average equity | $9,428,667 | 4,292 |
| Average total loans | $79,908,000 | 3,574 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5298% | 2,221 |
| Cost of funding earning assets | 0.6220% | 3,319 |
| Net interest margin | 3.9078% | 1,656 |
| Noninterest income to average assets | 1.1151% | 693 |
| Noninterest expense to average assets | 4.0847% | 460 |
| Loan and lease loss provision to assets | 0.0613% | 3,005 |
| Net operating income to assets | 0.5351% | 3,790 |
| Return on assets (ROA) | 0.5351% | 3,853 |
| Pretax return on assets | 0.6903% | 3,712 |
| Return on Equity (ROE) | 5.6557% | 3,437 |
| Retained earnings to average equity (ytd only) | 5.6557% | 2,012 |
| Net charge-offs to loans | 0.0295% | 1,790 |
| Credit loss provision to net charge-offs | 250.0000% | 1,279 |
| Earnings coverage of net charge-offs (x) | 30.6667% | 1,169 |
| Efficiency ratio | 84.4595% | 801 |
| Assets per employee ($millions) | 3.8017% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,398 |
| Loan loss allowance to noncurrent loans | 357.8512% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 3,481 |
| Noncurrent loans to loans | 0.2967% | 3,436 |
| Net loans and leases to total assets | 81.6468% | 476 |
| Net loans and leases to deposits | 92.4846% | 1,227 |
| Net loans and leases to core deposits | 96.6665% | 1,735 |
| Total domestic deposits to total assets | 88.2815% | 984 |
| Equity capital to assets | 9.4664% | 4,253 |
| Core capital (leverage) ratio | 9.4441% | 4,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0069% | 1,146 |
| Memoranda: | ||
| Average total assets | $97,925,500 | 4,021 |
| Average earning assets | $93,249,000 | 3,981 |
| Average equity | $9,265,000 | 4,336 |
| Average total loans | $81,370,000 | 3,558 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 2,045 |
| Cost of funding earning assets | 0.6361% | 3,478 |
| Net interest margin | 4.1623% | 1,389 |
| Noninterest income to average assets | 1.0276% | 913 |
| Noninterest expense to average assets | 4.2115% | 422 |
| Loan and lease loss provision to assets | -0.0105% | 4,935 |
| Net operating income to assets | 0.5217% | 4,356 |
| Return on assets (ROA) | 0.5217% | 4,404 |
| Pretax return on assets | 0.7773% | 4,023 |
| Return on Equity (ROE) | 5.6555% | 4,019 |
| Retained earnings to average equity (ytd only) | 5.6555% | 2,058 |
| Net charge-offs to loans | 0.0128% | 3,230 |
| Credit loss provision to net charge-offs | -100.0000% | 4,218 |
| Earnings coverage of net charge-offs (x) | 72.9000% | 859 |
| Efficiency ratio | 84.5975% | 626 |
| Assets per employee ($millions) | 3.7310% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,187 |
| Loan loss allowance to noncurrent loans | 460.7527% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 3,690 |
| Noncurrent loans to loans | 0.2291% | 3,628 |
| Net loans and leases to total assets | 82.7920% | 452 |
| Net loans and leases to deposits | 98.3409% | 730 |
| Net loans and leases to core deposits | 103.1399% | 1,297 |
| Total domestic deposits to total assets | 84.1888% | 2,794 |
| Equity capital to assets | 9.4560% | 4,383 |
| Core capital (leverage) ratio | 9.3360% | 4,243 |
| Tier 1 risk-based capital ratio | 16.4154% | 2,251 |
| Total risk-based capital ratio | 17.6688% | 2,186 |
| Memoranda: | ||
| Average total assets | $95,073,800 | 4,072 |
| Average earning assets | $90,238,200 | 4,042 |
| Average equity | $8,770,200 | 4,410 |
| Average total loans | $78,087,000 | 3,635 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8071% | 2,093 |
| Cost of funding earning assets | 0.6224% | 3,572 |
| Net interest margin | 4.1846% | 1,408 |
| Noninterest income to average assets | 1.0388% | 860 |
| Noninterest expense to average assets | 4.2526% | 387 |
| Loan and lease loss provision to assets | -0.0282% | 5,091 |
| Net operating income to assets | 0.5074% | 4,501 |
| Return on assets (ROA) | 0.5074% | 4,548 |
| Pretax return on assets | 0.7851% | 4,152 |
| Return on Equity (ROE) | 5.5365% | 4,187 |
| Retained earnings to average equity (ytd only) | 5.5365% | 2,609 |
| Net charge-offs to loans | 0.0069% | 3,127 |
| Credit loss provision to net charge-offs | -500.0000% | 4,326 |
| Earnings coverage of net charge-offs (x) | 134.3302% | 591 |
| Efficiency ratio | 84.8903% | 559 |
| Assets per employee ($millions) | 3.7558% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 3,274 |
| Loan loss allowance to noncurrent loans | 2,751.6129% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,570 |
| Noncurrent loans to loans | 0.0382% | 4,482 |
| Net loans and leases to total assets | 82.1243% | 553 |
| Net loans and leases to deposits | 95.6776% | 1,055 |
| Net loans and leases to core deposits | 98.9879% | 1,745 |
| Total domestic deposits to total assets | 85.8344% | 2,065 |
| Equity capital to assets | 9.2502% | 4,631 |
| Core capital (leverage) ratio | 9.3572% | 4,317 |
| Tier 1 risk-based capital ratio | 16.1332% | 2,376 |
| Total risk-based capital ratio | 17.3852% | 2,317 |
| Memoranda: | ||
| Average total assets | $94,590,500 | 4,126 |
| Average earning assets | $89,754,500 | 4,097 |
| Average equity | $8,669,500 | 4,471 |
| Average total loans | $77,316,000 | 3,691 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 2,101 |
| Cost of funding earning assets | 0.6298% | 3,510 |
| Net interest margin | 4.1578% | 1,469 |
| Noninterest income to average assets | 0.9683% | 929 |
| Noninterest expense to average assets | 4.4908% | 312 |
| Loan and lease loss provision to assets | -0.0534% | 5,181 |
| Net operating income to assets | 0.2971% | 4,878 |
| Return on assets (ROA) | 0.2971% | 4,889 |
| Pretax return on assets | 0.4681% | 4,741 |
| Return on Equity (ROE) | 3.2521% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.2521% | 3,597 |
| Net charge-offs to loans | 0.0053% | 2,970 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | 97.0000% | 714 |
| Efficiency ratio | 91.5468% | 293 |
| Assets per employee ($millions) | 3.6731% | 4,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 3,220 |
| Loan loss allowance to noncurrent loans | 1,700.0000% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,501 |
| Noncurrent loans to loans | 0.0631% | 4,402 |
| Net loans and leases to total assets | 82.0440% | 606 |
| Net loans and leases to deposits | 94.0341% | 1,257 |
| Net loans and leases to core deposits | 97.7409% | 1,901 |
| Total domestic deposits to total assets | 87.2492% | 1,466 |
| Equity capital to assets | 9.2262% | 4,630 |
| Core capital (leverage) ratio | 9.1725% | 4,493 |
| Tier 1 risk-based capital ratio | 16.1703% | 2,341 |
| Total risk-based capital ratio | 17.4236% | 2,289 |
| Memoranda: | ||
| Average total assets | $93,570,000 | 4,162 |
| Average earning assets | $88,604,000 | 4,138 |
| Average equity | $8,548,330 | 4,508 |
| Average total loans | $76,071,670 | 3,729 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 2,171 |
| Cost of funding earning assets | 0.6038% | 3,549 |
| Net interest margin | 4.1121% | 1,520 |
| Noninterest income to average assets | 0.9200% | 997 |
| Noninterest expense to average assets | 5.3129% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.5097% | 5,251 |
| Return on assets (ROA) | -0.5097% | 5,247 |
| Pretax return on assets | -0.5097% | 5,241 |
| Return on Equity (ROE) | -5.6077% | 5,264 |
| Retained earnings to average equity (ytd only) | -5.6077% | 4,953 |
| Net charge-offs to loans | 0.0161% | 2,153 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -39.3333% | 2,728 |
| Efficiency ratio | 110.6115% | 100 |
| Assets per employee ($millions) | 3.6807% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 2,940 |
| Loan loss allowance to noncurrent loans | 1,748.0000% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 4,567 |
| Noncurrent loans to loans | 0.0649% | 4,473 |
| Net loans and leases to total assets | 79.5479% | 898 |
| Net loans and leases to deposits | 92.9249% | 1,292 |
| Net loans and leases to core deposits | 96.3254% | 1,906 |
| Total domestic deposits to total assets | 85.6046% | 2,443 |
| Equity capital to assets | 8.8101% | 4,813 |
| Core capital (leverage) ratio | 9.2454% | 4,417 |
| Tier 1 risk-based capital ratio | 15.9978% | 2,440 |
| Total risk-based capital ratio | 17.2508% | 2,386 |
| Memoranda: | ||
| Average total assets | $92,605,000 | 4,223 |
| Average earning assets | $87,449,000 | 4,192 |
| Average equity | $8,417,000 | 4,553 |
| Average total loans | $74,506,500 | 3,793 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 2,722 |
| Cost of funding earning assets | 0.2939% | 4,598 |
| Net interest margin | 4.1182% | 1,624 |
| Noninterest income to average assets | 1.0309% | 887 |
| Noninterest expense to average assets | 4.6722% | 260 |
| Loan and lease loss provision to assets | -0.2572% | 5,351 |
| Net operating income to assets | 1.1795% | 2,273 |
| Return on assets (ROA) | 1.1966% | 2,184 |
| Pretax return on assets | 0.5246% | 4,765 |
| Return on Equity (ROE) | 14.8506% | 862 |
| Retained earnings to average equity (ytd only) | 14.8506% | 124 |
| Net charge-offs to loans | -0.0956% | 5,139 |
| Credit loss provision to net charge-offs | 351.5625% | 907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9153% | 227 |
| Assets per employee ($millions) | 3.5805% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2178% | 2,479 |
| Loan loss allowance to noncurrent loans | 762.6087% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.3687% | 3,074 |
| Noncurrent loans to loans | 0.1597% | 4,022 |
| Net loans and leases to total assets | 79.4711% | 1,025 |
| Net loans and leases to deposits | 94.9012% | 1,183 |
| Net loans and leases to core deposits | 96.3055% | 2,035 |
| Total domestic deposits to total assets | 83.7409% | 3,069 |
| Equity capital to assets | 9.3875% | 4,229 |
| Core capital (leverage) ratio | 9.6621% | 3,936 |
| Tier 1 risk-based capital ratio | 17.3439% | 1,940 |
| Total risk-based capital ratio | 18.5998% | 1,897 |
| Memoranda: | ||
| Average total assets | $87,496,200 | 4,307 |
| Average earning assets | $82,681,200 | 4,268 |
| Average equity | $7,050,200 | 4,741 |
| Average total loans | $66,925,600 | 3,938 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3257% | 2,863 |
| Cost of funding earning assets | 0.2382% | 4,854 |
| Net interest margin | 4.0876% | 1,664 |
| Noninterest income to average assets | 1.0346% | 894 |
| Noninterest expense to average assets | 4.9689% | 207 |
| Loan and lease loss provision to assets | -0.3448% | 5,438 |
| Net operating income to assets | 1.1786% | 2,325 |
| Return on assets (ROA) | 1.2016% | 2,232 |
| Pretax return on assets | 0.3004% | 5,138 |
| Return on Equity (ROE) | 15.5737% | 773 |
| Retained earnings to average equity (ytd only) | 15.5737% | 158 |
| Net charge-offs to loans | -0.1665% | 5,268 |
| Credit loss provision to net charge-offs | 274.3902% | 1,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3759% | 132 |
| Assets per employee ($millions) | 3.5101% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 2,018 |
| Loan loss allowance to noncurrent loans | 198.8889% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4931% | 2,725 |
| Noncurrent loans to loans | 0.6622% | 2,422 |
| Net loans and leases to total assets | 73.4818% | 2,079 |
| Net loans and leases to deposits | 86.1413% | 2,349 |
| Net loans and leases to core deposits | 86.7991% | 2,939 |
| Total domestic deposits to total assets | 85.3039% | 2,487 |
| Equity capital to assets | 8.7956% | 4,727 |
| Core capital (leverage) ratio | 9.4033% | 4,275 |
| Tier 1 risk-based capital ratio | 17.5798% | 1,903 |
| Total risk-based capital ratio | 18.8361% | 1,866 |
| Memoranda: | ||
| Average total assets | $86,992,000 | 4,364 |
| Average earning assets | $82,296,000 | 4,320 |
| Average equity | $6,712,000 | 4,841 |
| Average total loans | $65,653,500 | 4,006 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,993 |
| Cost of funding earning assets | 0.2149% | 4,947 |
| Net interest margin | 4.0213% | 1,787 |
| Noninterest income to average assets | 1.0354% | 899 |
| Noninterest expense to average assets | 4.3824% | 329 |
| Loan and lease loss provision to assets | -0.0584% | 5,388 |
| Net operating income to assets | 1.8675% | 507 |
| Return on assets (ROA) | 1.9026% | 464 |
| Pretax return on assets | 0.5516% | 4,812 |
| Return on Equity (ROE) | 25.9497% | 68 |
| Retained earnings to average equity (ytd only) | 25.9497% | 18 |
| Net charge-offs to loans | -0.2651% | 5,367 |
| Credit loss provision to net charge-offs | 29.0698% | 2,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5360% | 353 |
| Assets per employee ($millions) | 3.2696% | 4,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6723% | 951 |
| Loan loss allowance to noncurrent loans | 270.6897% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 2,748 |
| Noncurrent loans to loans | 0.6178% | 2,563 |
| Net loans and leases to total assets | 73.1975% | 2,089 |
| Net loans and leases to deposits | 81.9578% | 2,774 |
| Net loans and leases to core deposits | 82.8404% | 3,173 |
| Total domestic deposits to total assets | 89.3112% | 810 |
| Equity capital to assets | 7.5737% | 5,360 |
| Core capital (leverage) ratio | 9.8743% | 3,710 |
| Tier 1 risk-based capital ratio | 17.9725% | 1,807 |
| Total risk-based capital ratio | 19.2354% | 1,773 |
| Memoranda: | ||
| Average total assets | $85,568,670 | 4,420 |
| Average earning assets | $80,969,000 | 4,383 |
| Average equity | $6,273,670 | 4,961 |
| Average total loans | $64,886,000 | 4,050 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2563% | 2,681 |
| Cost of funding earning assets | 0.2053% | 4,985 |
| Net interest margin | 4.0509% | 1,560 |
| Noninterest income to average assets | 1.1447% | 707 |
| Noninterest expense to average assets | 4.3223% | 348 |
| Loan and lease loss provision to assets | 0.0712% | 2,335 |
| Net operating income to assets | 0.5937% | 4,440 |
| Return on assets (ROA) | 0.6650% | 4,231 |
| Pretax return on assets | 0.6650% | 4,532 |
| Return on Equity (ROE) | 9.2295% | 2,796 |
| Retained earnings to average equity (ytd only) | 9.2295% | 1,386 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6667% | 595 |
| Assets per employee ($millions) | 3.1251% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 1,045 |
| Loan loss allowance to noncurrent loans | 545.5959% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 3,629 |
| Noncurrent loans to loans | 0.3032% | 3,682 |
| Net loans and leases to total assets | 74.1864% | 1,829 |
| Net loans and leases to deposits | 82.7992% | 2,519 |
| Net loans and leases to core deposits | 83.7508% | 3,004 |
| Total domestic deposits to total assets | 89.5980% | 837 |
| Equity capital to assets | 7.1571% | 5,495 |
| Core capital (leverage) ratio | 9.2616% | 4,366 |
| Tier 1 risk-based capital ratio | 16.8387% | 2,165 |
| Total risk-based capital ratio | 18.1006% | 2,110 |
| Memoranda: | ||
| Average total assets | $84,213,500 | 4,494 |
| Average earning assets | $79,882,500 | 4,447 |
| Average equity | $6,067,500 | 5,046 |
| Average total loans | $64,470,500 | 4,082 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2190% | 2,618 |
| Cost of funding earning assets | 0.1445% | 5,290 |
| Net interest margin | 4.0745% | 1,522 |
| Noninterest income to average assets | 1.4427% | 511 |
| Noninterest expense to average assets | 3.7274% | 761 |
| Loan and lease loss provision to assets | 0.1481% | 1,536 |
| Net operating income to assets | 1.4317% | 944 |
| Return on assets (ROA) | 1.4562% | 901 |
| Pretax return on assets | 1.4562% | 1,796 |
| Return on Equity (ROE) | 21.8597% | 129 |
| Retained earnings to average equity (ytd only) | 21.8597% | 31 |
| Net charge-offs to loans | -0.0182% | 4,930 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2329% | 2,510 |
| Assets per employee ($millions) | 3.6543% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5898% | 1,163 |
| Loan loss allowance to noncurrent loans | 499.0385% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 3,524 |
| Noncurrent loans to loans | 0.3186% | 3,637 |
| Net loans and leases to total assets | 76.4471% | 1,517 |
| Net loans and leases to deposits | 87.9612% | 2,023 |
| Net loans and leases to core deposits | 89.0301% | 2,651 |
| Total domestic deposits to total assets | 86.9100% | 2,040 |
| Equity capital to assets | 7.2529% | 5,566 |
| Core capital (leverage) ratio | 9.0643% | 4,566 |
| Tier 1 risk-based capital ratio | 16.2359% | 2,352 |
| Total risk-based capital ratio | 17.4963% | 2,283 |
| Memoranda: | ||
| Average total assets | $81,719,800 | 4,555 |
| Average earning assets | $77,507,200 | 4,506 |
| Average equity | $5,443,800 | 5,192 |
| Average total loans | $60,552,600 | 4,189 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1978% | 2,624 |
| Cost of funding earning assets | 0.1299% | 5,427 |
| Net interest margin | 4.0678% | 1,487 |
| Noninterest income to average assets | 1.5111% | 474 |
| Noninterest expense to average assets | 4.5367% | 308 |
| Loan and lease loss provision to assets | 0.1580% | 1,307 |
| Net operating income to assets | 0.6815% | 4,068 |
| Return on assets (ROA) | 0.7013% | 4,034 |
| Pretax return on assets | 0.7013% | 4,606 |
| Return on Equity (ROE) | 11.1305% | 1,641 |
| Retained earnings to average equity (ytd only) | 11.1305% | 399 |
| Net charge-offs to loans | -0.0359% | 5,060 |
| Credit loss provision to net charge-offs | -600.0000% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3846% | 728 |
| Assets per employee ($millions) | 3.4404% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 1,172 |
| Loan loss allowance to noncurrent loans | 462.7273% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 3,528 |
| Noncurrent loans to loans | 0.3525% | 3,685 |
| Net loans and leases to total assets | 74.3596% | 1,863 |
| Net loans and leases to deposits | 82.6620% | 2,698 |
| Net loans and leases to core deposits | 83.3646% | 3,187 |
| Total domestic deposits to total assets | 89.9563% | 492 |
| Equity capital to assets | 6.4419% | 5,692 |
| Core capital (leverage) ratio | 8.1831% | 5,431 |
| Tier 1 risk-based capital ratio | 15.5236% | 2,696 |
| Total risk-based capital ratio | 16.7858% | 2,641 |
| Memoranda: | ||
| Average total assets | $80,996,250 | 4,614 |
| Average earning assets | $76,959,500 | 4,565 |
| Average equity | $5,103,000 | 5,314 |
| Average total loans | $59,367,500 | 4,257 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1538% | 2,653 |
| Cost of funding earning assets | 0.1283% | 5,459 |
| Net interest margin | 4.0255% | 1,530 |
| Noninterest income to average assets | 1.5111% | 473 |
| Noninterest expense to average assets | 4.1853% | 421 |
| Loan and lease loss provision to assets | 0.2287% | 757 |
| Net operating income to assets | 0.9171% | 2,823 |
| Return on assets (ROA) | 0.9469% | 2,736 |
| Pretax return on assets | 0.9469% | 3,776 |
| Return on Equity (ROE) | 15.1461% | 635 |
| Retained earnings to average equity (ytd only) | 15.1461% | 134 |
| Net charge-offs to loans | 0.0069% | 3,212 |
| Credit loss provision to net charge-offs | 4,600.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 230.5000% | 368 |
| Efficiency ratio | 78.5082% | 1,393 |
| Assets per employee ($millions) | 3.4222% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6228% | 1,207 |
| Loan loss allowance to noncurrent loans | 701.4085% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.5394% | 2,967 |
| Noncurrent loans to loans | 0.2314% | 4,199 |
| Net loans and leases to total assets | 73.5146% | 1,959 |
| Net loans and leases to deposits | 80.5967% | 2,848 |
| Net loans and leases to core deposits | 82.3972% | 3,218 |
| Total domestic deposits to total assets | 91.2129% | 173 |
| Equity capital to assets | 6.4603% | 5,734 |
| Core capital (leverage) ratio | 8.2404% | 5,402 |
| Tier 1 risk-based capital ratio | 15.4707% | 2,717 |
| Total risk-based capital ratio | 16.7325% | 2,648 |
| Memoranda: | ||
| Average total assets | $80,472,000 | 4,653 |
| Average earning assets | $76,364,000 | 4,607 |
| Average equity | $5,031,000 | 5,361 |
| Average total loans | $58,351,330 | 4,303 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1427% | 2,503 |
| Cost of funding earning assets | 0.1273% | 5,514 |
| Net interest margin | 4.0154% | 1,433 |
| Noninterest income to average assets | 1.6474% | 417 |
| Noninterest expense to average assets | 4.1435% | 456 |
| Loan and lease loss provision to assets | 0.1507% | 1,225 |
| Net operating income to assets | 1.1552% | 1,642 |
| Return on assets (ROA) | 1.2154% | 1,509 |
| Pretax return on assets | 1.2154% | 2,531 |
| Return on Equity (ROE) | 19.7813% | 239 |
| Retained earnings to average equity (ytd only) | 19.7813% | 109 |
| Net charge-offs to loans | 0.0070% | 2,728 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 260.0000% | 225 |
| Efficiency ratio | 76.0369% | 1,899 |
| Assets per employee ($millions) | 3.4155% | 4,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 1,314 |
| Loan loss allowance to noncurrent loans | 607.1429% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.6014% | 2,841 |
| Noncurrent loans to loans | 0.2679% | 4,152 |
| Net loans and leases to total assets | 68.9781% | 2,535 |
| Net loans and leases to deposits | 75.2829% | 3,274 |
| Net loans and leases to core deposits | 76.9593% | 3,566 |
| Total domestic deposits to total assets | 91.6251% | 159 |
| Equity capital to assets | 6.1534% | 5,804 |
| Core capital (leverage) ratio | 8.3725% | 5,327 |
| Tier 1 risk-based capital ratio | 15.5530% | 2,729 |
| Total risk-based capital ratio | 16.8130% | 2,657 |
| Memoranda: | ||
| Average total assets | $79,642,000 | 4,720 |
| Average earning assets | $75,409,000 | 4,669 |
| Average equity | $4,893,500 | 5,436 |
| Average total loans | $56,839,500 | 4,381 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 2,992 |
| Cost of funding earning assets | 0.1364% | 5,510 |
| Net interest margin | 3.9222% | 1,888 |
| Noninterest income to average assets | 1.4531% | 549 |
| Noninterest expense to average assets | 4.2536% | 464 |
| Loan and lease loss provision to assets | 0.2813% | 708 |
| Net operating income to assets | 0.6147% | 4,148 |
| Return on assets (ROA) | 0.6147% | 4,267 |
| Pretax return on assets | 0.6147% | 4,745 |
| Return on Equity (ROE) | 9.7947% | 2,057 |
| Retained earnings to average equity (ytd only) | 9.7947% | 446 |
| Net charge-offs to loans | 0.1463% | 1,803 |
| Credit loss provision to net charge-offs | 280.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 8.9200% | 2,818 |
| Efficiency ratio | 82.6008% | 1,132 |
| Assets per employee ($millions) | 3.3614% | 4,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6120% | 1,343 |
| Loan loss allowance to noncurrent loans | 402.6667% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 2,543 |
| Noncurrent loans to loans | 0.4003% | 3,714 |
| Net loans and leases to total assets | 71.5223% | 2,235 |
| Net loans and leases to deposits | 78.1724% | 3,083 |
| Net loans and leases to core deposits | 79.5924% | 3,431 |
| Total domestic deposits to total assets | 91.4930% | 161 |
| Equity capital to assets | 6.1348% | 5,853 |
| Core capital (leverage) ratio | 8.1106% | 5,557 |
| Tier 1 risk-based capital ratio | 15.1172% | 2,915 |
| Total risk-based capital ratio | 16.3762% | 2,841 |
| Memoranda: | ||
| Average total assets | $74,665,400 | 4,835 |
| Average earning assets | $70,368,200 | 4,794 |
| Average equity | $4,686,200 | 5,526 |
| Average total loans | $51,258,600 | 4,544 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 3,257 |
| Cost of funding earning assets | 0.1377% | 5,562 |
| Net interest margin | 3.8534% | 2,147 |
| Noninterest income to average assets | 1.4323% | 582 |
| Noninterest expense to average assets | 4.3727% | 420 |
| Loan and lease loss provision to assets | 0.3243% | 509 |
| Net operating income to assets | 0.3657% | 5,127 |
| Return on assets (ROA) | 0.3657% | 5,210 |
| Pretax return on assets | 0.3657% | 5,360 |
| Return on Equity (ROE) | 5.7982% | 4,168 |
| Retained earnings to average equity (ytd only) | 5.7982% | 2,302 |
| Net charge-offs to loans | 0.1999% | 1,172 |
| Credit loss provision to net charge-offs | 240.0000% | 1,234 |
| Earnings coverage of net charge-offs (x) | 5.1065% | 3,175 |
| Efficiency ratio | 86.3701% | 794 |
| Assets per employee ($millions) | 3.4936% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5972% | 1,480 |
| Loan loss allowance to noncurrent loans | 359.0164% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 2,418 |
| Noncurrent loans to loans | 0.4449% | 3,689 |
| Net loans and leases to total assets | 70.2186% | 2,460 |
| Net loans and leases to deposits | 76.8760% | 3,300 |
| Net loans and leases to core deposits | 78.2821% | 3,636 |
| Total domestic deposits to total assets | 91.3401% | 137 |
| Equity capital to assets | 6.3284% | 5,923 |
| Core capital (leverage) ratio | 8.0116% | 5,681 |
| Tier 1 risk-based capital ratio | 14.8294% | 3,138 |
| Total risk-based capital ratio | 16.0892% | 3,066 |
| Memoranda: | ||
| Average total assets | $74,003,500 | 4,885 |
| Average earning assets | $69,720,250 | 4,851 |
| Average equity | $4,668,000 | 5,585 |
| Average total loans | $50,022,750 | 4,611 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9764% | 3,325 |
| Cost of funding earning assets | 0.1397% | 5,615 |
| Net interest margin | 3.8366% | 2,188 |
| Noninterest income to average assets | 1.2895% | 691 |
| Noninterest expense to average assets | 4.3969% | 418 |
| Loan and lease loss provision to assets | 0.1506% | 1,520 |
| Net operating income to assets | 0.3504% | 5,181 |
| Return on assets (ROA) | 0.3504% | 5,264 |
| Pretax return on assets | 0.3504% | 5,419 |
| Return on Equity (ROE) | 5.5620% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.5620% | 2,388 |
| Net charge-offs to loans | 0.2809% | 849 |
| Credit loss provision to net charge-offs | 80.8824% | 2,356 |
| Earnings coverage of net charge-offs (x) | 2.6912% | 3,231 |
| Efficiency ratio | 89.7708% | 616 |
| Assets per employee ($millions) | 3.3154% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 1,782 |
| Loan loss allowance to noncurrent loans | 194.3590% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 1.5821% | 1,182 |
| Noncurrent loans to loans | 0.7835% | 2,792 |
| Net loans and leases to total assets | 67.2068% | 2,914 |
| Net loans and leases to deposits | 73.7487% | 3,621 |
| Net loans and leases to core deposits | 75.1748% | 3,896 |
| Total domestic deposits to total assets | 91.1296% | 169 |
| Equity capital to assets | 6.4890% | 5,992 |
| Core capital (leverage) ratio | 8.1458% | 5,636 |
| Tier 1 risk-based capital ratio | 15.8038% | 2,738 |
| Total risk-based capital ratio | 17.0619% | 2,669 |
| Memoranda: | ||
| Average total assets | $73,051,330 | 4,958 |
| Average earning assets | $68,706,000 | 4,915 |
| Average equity | $4,602,670 | 5,657 |
| Average total loans | $48,415,000 | 4,699 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9970% | 3,233 |
| Cost of funding earning assets | 0.1394% | 5,681 |
| Net interest margin | 3.8575% | 2,081 |
| Noninterest income to average assets | 1.2529% | 694 |
| Noninterest expense to average assets | 4.3881% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4979% | 4,636 |
| Return on assets (ROA) | 0.4979% | 4,735 |
| Pretax return on assets | 0.4979% | 5,096 |
| Return on Equity (ROE) | 8.0220% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.0220% | 1,447 |
| Net charge-offs to loans | -0.0251% | 4,984 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8096% | 682 |
| Assets per employee ($millions) | 3.1455% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 1,639 |
| Loan loss allowance to noncurrent loans | 81.6456% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.7568% | 1,074 |
| Noncurrent loans to loans | 1.9455% | 1,111 |
| Net loans and leases to total assets | 66.2856% | 2,904 |
| Net loans and leases to deposits | 73.7985% | 3,456 |
| Net loans and leases to core deposits | 75.2589% | 3,753 |
| Total domestic deposits to total assets | 89.8198% | 667 |
| Equity capital to assets | 6.3970% | 6,049 |
| Core capital (leverage) ratio | 8.1967% | 5,655 |
| Tier 1 risk-based capital ratio | 15.9634% | 2,700 |
| Total risk-based capital ratio | 17.2209% | 2,639 |
| Memoranda: | ||
| Average total assets | $73,107,500 | 4,997 |
| Average earning assets | $68,852,500 | 4,958 |
| Average equity | $4,537,500 | 5,712 |
| Average total loans | $47,733,500 | 4,743 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 3,431 |
| Cost of funding earning assets | 0.1509% | 5,677 |
| Net interest margin | 3.8194% | 2,309 |
| Noninterest income to average assets | 1.4837% | 564 |
| Noninterest expense to average assets | 4.8169% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2092% | 5,553 |
| Return on assets (ROA) | 0.2092% | 5,618 |
| Pretax return on assets | 0.2092% | 5,674 |
| Return on Equity (ROE) | 3.6638% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.6638% | 3,448 |
| Net charge-offs to loans | 0.4532% | 610 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.7438% | 4,186 |
| Efficiency ratio | 95.8379% | 401 |
| Assets per employee ($millions) | 2.9548% | 5,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6496% | 1,475 |
| Loan loss allowance to noncurrent loans | 81.0726% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 2.0888% | 824 |
| Noncurrent loans to loans | 2.0347% | 1,015 |
| Net loans and leases to total assets | 62.2277% | 3,524 |
| Net loans and leases to deposits | 68.9346% | 4,032 |
| Net loans and leases to core deposits | 70.5795% | 4,260 |
| Total domestic deposits to total assets | 90.2706% | 515 |
| Equity capital to assets | 6.0201% | 6,118 |
| Core capital (leverage) ratio | 7.9538% | 5,859 |
| Tier 1 risk-based capital ratio | 16.2613% | 2,578 |
| Total risk-based capital ratio | 17.5209% | 2,534 |
| Memoranda: | ||
| Average total assets | $72,183,200 | 5,042 |
| Average earning assets | $66,947,800 | 5,019 |
| Average equity | $4,121,400 | 5,834 |
| Average total loans | $44,794,000 | 4,838 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 3,664 |
| Cost of funding earning assets | 0.1528% | 5,758 |
| Net interest margin | 3.7711% | 2,488 |
| Noninterest income to average assets | 1.0089% | 1,165 |
| Noninterest expense to average assets | 4.8307% | 325 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.3363% | 6,098 |
| Return on assets (ROA) | -0.3363% | 6,110 |
| Pretax return on assets | -0.3363% | 6,098 |
| Return on Equity (ROE) | -5.9921% | 6,151 |
| Retained earnings to average equity (ytd only) | -5.9921% | 6,058 |
| Net charge-offs to loans | 0.3310% | 795 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -1.6455% | 4,071 |
| Efficiency ratio | 107.4824% | 175 |
| Assets per employee ($millions) | 2.8930% | 5,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8261% | 1,214 |
| Loan loss allowance to noncurrent loans | 60.3919% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 3.3045% | 412 |
| Noncurrent loans to loans | 3.0238% | 578 |
| Net loans and leases to total assets | 64.1479% | 3,287 |
| Net loans and leases to deposits | 70.9653% | 3,879 |
| Net loans and leases to core deposits | 72.6921% | 4,127 |
| Total domestic deposits to total assets | 90.3934% | 427 |
| Equity capital to assets | 5.5721% | 6,217 |
| Core capital (leverage) ratio | 7.8013% | 5,978 |
| Tier 1 risk-based capital ratio | 14.0938% | 3,798 |
| Total risk-based capital ratio | 15.3547% | 3,728 |
| Memoranda: | ||
| Average total assets | $71,761,750 | 5,108 |
| Average earning assets | $66,326,750 | 5,095 |
| Average equity | $4,027,500 | 5,927 |
| Average total loans | $44,308,000 | 4,902 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 3,458 |
| Cost of funding earning assets | 0.1516% | 5,832 |
| Net interest margin | 3.8060% | 2,282 |
| Noninterest income to average assets | 0.8411% | 1,629 |
| Noninterest expense to average assets | 4.8956% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.5477% | 6,200 |
| Return on assets (ROA) | -0.5477% | 6,209 |
| Pretax return on assets | -0.5477% | 6,198 |
| Return on Equity (ROE) | -9.7351% | 6,257 |
| Retained earnings to average equity (ytd only) | -9.7351% | 6,174 |
| Net charge-offs to loans | 0.2493% | 1,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -3.6296% | 3,809 |
| Efficiency ratio | 112.5964% | 150 |
| Assets per employee ($millions) | 2.8688% | 5,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0328% | 936 |
| Loan loss allowance to noncurrent loans | 61.9112% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 3.4258% | 427 |
| Noncurrent loans to loans | 3.2835% | 563 |
| Net loans and leases to total assets | 61.8187% | 3,578 |
| Net loans and leases to deposits | 68.2139% | 4,116 |
| Net loans and leases to core deposits | 69.1469% | 4,398 |
| Total domestic deposits to total assets | 90.6248% | 409 |
| Equity capital to assets | 5.4001% | 6,290 |
| Core capital (leverage) ratio | 7.8294% | 6,006 |
| Tier 1 risk-based capital ratio | 14.1053% | 3,862 |
| Total risk-based capital ratio | 15.3682% | 3,787 |
| Memoranda: | ||
| Average total assets | $71,574,000 | 5,166 |
| Average earning assets | $65,948,670 | 5,156 |
| Average equity | $4,026,670 | 5,988 |
| Average total loans | $43,324,670 | 4,978 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0029% | 3,221 |
| Cost of funding earning assets | 0.1528% | 5,912 |
| Net interest margin | 3.8501% | 2,065 |
| Noninterest income to average assets | 0.1455% | 5,871 |
| Noninterest expense to average assets | 4.9230% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.2531% | 6,335 |
| Return on assets (ROA) | -1.2531% | 6,340 |
| Pretax return on assets | -1.2531% | 6,331 |
| Return on Equity (ROE) | -21.8350% | 6,362 |
| Retained earnings to average equity (ytd only) | -21.8350% | 6,287 |
| Net charge-offs to loans | -0.0094% | 4,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.1463% | 72 |
| Assets per employee ($millions) | 2.3774% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2270% | 779 |
| Loan loss allowance to noncurrent loans | 87.2093% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 3.0103% | 628 |
| Noncurrent loans to loans | 2.5536% | 948 |
| Net loans and leases to total assets | 60.0179% | 3,647 |
| Net loans and leases to deposits | 65.4256% | 4,214 |
| Net loans and leases to core deposits | 66.3145% | 4,490 |
| Total domestic deposits to total assets | 91.7347% | 186 |
| Equity capital to assets | 5.6659% | 6,347 |
| Core capital (leverage) ratio | 7.7877% | 6,036 |
| Tier 1 risk-based capital ratio | 14.7306% | 3,586 |
| Total risk-based capital ratio | 15.9958% | 3,506 |
| Memoranda: | ||
| Average total assets | $71,500,500 | 5,220 |
| Average earning assets | $65,452,500 | 5,218 |
| Average equity | $4,103,500 | 6,031 |
| Average total loans | $42,358,500 | 5,053 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,921 |
| Cost of funding earning assets | 0.1684% | 5,992 |
| Net interest margin | 3.4853% | 3,853 |
| Noninterest income to average assets | 1.9387% | 359 |
| Noninterest expense to average assets | 5.3175% | 256 |
| Loan and lease loss provision to assets | -0.2276% | 6,315 |
| Net operating income to assets | -0.0013% | 6,091 |
| Return on assets (ROA) | -0.0013% | 6,111 |
| Pretax return on assets | -0.0013% | 6,097 |
| Return on Equity (ROE) | -0.0215% | 6,112 |
| Retained earnings to average equity (ytd only) | -0.0215% | 5,769 |
| Net charge-offs to loans | 0.4159% | 1,027 |
| Credit loss provision to net charge-offs | -100.0000% | 5,522 |
| Earnings coverage of net charge-offs (x) | -1.0056% | 4,800 |
| Efficiency ratio | 104.4986% | 284 |
| Assets per employee ($millions) | 2.3893% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3793% | 639 |
| Loan loss allowance to noncurrent loans | 78.2329% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 3.9468% | 428 |
| Noncurrent loans to loans | 3.0413% | 737 |
| Net loans and leases to total assets | 55.7513% | 4,365 |
| Net loans and leases to deposits | 60.9186% | 4,816 |
| Net loans and leases to core deposits | 61.7431% | 5,018 |
| Total domestic deposits to total assets | 91.5177% | 223 |
| Equity capital to assets | 5.8120% | 6,422 |
| Core capital (leverage) ratio | 8.1084% | 5,924 |
| Tier 1 risk-based capital ratio | 15.4542% | 3,244 |
| Total risk-based capital ratio | 16.7198% | 3,177 |
| Memoranda: | ||
| Average total assets | $78,194,800 | 5,106 |
| Average earning assets | $70,667,600 | 5,106 |
| Average equity | $4,654,200 | 5,942 |
| Average total loans | $42,796,200 | 5,077 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6445% | 5,024 |
| Cost of funding earning assets | 0.1721% | 6,050 |
| Net interest margin | 3.4723% | 3,932 |
| Noninterest income to average assets | 2.1413% | 307 |
| Noninterest expense to average assets | 5.3149% | 254 |
| Loan and lease loss provision to assets | -0.2973% | 6,458 |
| Net operating income to assets | 0.2572% | 5,718 |
| Return on assets (ROA) | 0.2572% | 5,779 |
| Pretax return on assets | 0.2572% | 5,849 |
| Return on Equity (ROE) | 4.2990% | 5,040 |
| Retained earnings to average equity (ytd only) | 4.2990% | 3,591 |
| Net charge-offs to loans | 0.5640% | 669 |
| Credit loss provision to net charge-offs | -97.2678% | 5,445 |
| Earnings coverage of net charge-offs (x) | -0.1312% | 4,469 |
| Efficiency ratio | 100.7600% | 346 |
| Assets per employee ($millions) | 2.2780% | 6,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4045% | 736 |
| Loan loss allowance to noncurrent loans | 68.5290% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 4.2417% | 444 |
| Noncurrent loans to loans | 3.5088% | 681 |
| Net loans and leases to total assets | 53.9536% | 4,579 |
| Net loans and leases to deposits | 59.4621% | 4,990 |
| Net loans and leases to core deposits | 60.2602% | 5,172 |
| Total domestic deposits to total assets | 90.7361% | 442 |
| Equity capital to assets | 6.6067% | 6,430 |
| Core capital (leverage) ratio | 8.1327% | 5,984 |
| Tier 1 risk-based capital ratio | 14.8303% | 3,690 |
| Total risk-based capital ratio | 16.0943% | 3,617 |
| Memoranda: | ||
| Average total assets | $79,823,750 | 5,128 |
| Average earning assets | $72,034,250 | 5,140 |
| Average equity | $4,776,250 | 5,977 |
| Average total loans | $43,261,250 | 5,118 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 4,978 |
| Cost of funding earning assets | 0.1784% | 6,082 |
| Net interest margin | 3.4810% | 3,854 |
| Noninterest income to average assets | 2.2500% | 290 |
| Noninterest expense to average assets | 5.2330% | 267 |
| Loan and lease loss provision to assets | -0.4334% | 6,571 |
| Net operating income to assets | 0.5869% | 4,422 |
| Return on assets (ROA) | 0.5869% | 4,515 |
| Pretax return on assets | 0.5869% | 4,993 |
| Return on Equity (ROE) | 10.1197% | 2,097 |
| Retained earnings to average equity (ytd only) | 10.1197% | 694 |
| Net charge-offs to loans | 0.4520% | 896 |
| Credit loss provision to net charge-offs | -178.0000% | 5,375 |
| Earnings coverage of net charge-offs (x) | 0.6300% | 4,011 |
| Efficiency ratio | 97.1519% | 504 |
| Assets per employee ($millions) | 2.8443% | 5,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6019% | 609 |
| Loan loss allowance to noncurrent loans | 69.6689% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 4.7248% | 399 |
| Noncurrent loans to loans | 3.7347% | 672 |
| Net loans and leases to total assets | 53.2515% | 4,622 |
| Net loans and leases to deposits | 58.5037% | 4,995 |
| Net loans and leases to core deposits | 59.2742% | 5,182 |
| Total domestic deposits to total assets | 91.0224% | 413 |
| Equity capital to assets | 6.7085% | 6,477 |
| Core capital (leverage) ratio | 7.2966% | 6,374 |
| Tier 1 risk-based capital ratio | 13.2803% | 4,732 |
| Total risk-based capital ratio | 14.5477% | 4,660 |
| Memoranda: | ||
| Average total assets | $82,133,000 | 5,108 |
| Average earning assets | $74,000,670 | 5,139 |
| Average equity | $4,763,000 | 6,021 |
| Average total loans | $44,248,670 | 5,118 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7820% | 4,565 |
| Cost of funding earning assets | 0.1906% | 6,074 |
| Net interest margin | 3.5913% | 3,285 |
| Noninterest income to average assets | 2.7371% | 211 |
| Noninterest expense to average assets | 5.5298% | 236 |
| Loan and lease loss provision to assets | -0.8258% | 6,694 |
| Net operating income to assets | 1.2665% | 1,305 |
| Return on assets (ROA) | 1.2665% | 1,357 |
| Pretax return on assets | 1.2665% | 2,225 |
| Return on Equity (ROE) | 23.4134% | 166 |
| Retained earnings to average equity (ytd only) | 23.4134% | 72 |
| Net charge-offs to loans | 0.6933% | 526 |
| Credit loss provision to net charge-offs | -222.5000% | 4,980 |
| Earnings coverage of net charge-offs (x) | 1.1875% | 3,153 |
| Efficiency ratio | 92.6185% | 836 |
| Assets per employee ($millions) | 2.6526% | 6,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6672% | 661 |
| Loan loss allowance to noncurrent loans | 49.4922% | 5,215 |
| Noncurrent assets plus other real estate owned to assets | 6.7279% | 232 |
| Noncurrent loans to loans | 5.3891% | 377 |
| Net loans and leases to total assets | 52.6706% | 4,584 |
| Net loans and leases to deposits | 57.6949% | 4,973 |
| Net loans and leases to core deposits | 58.4483% | 5,170 |
| Total domestic deposits to total assets | 91.2916% | 451 |
| Equity capital to assets | 6.4573% | 6,528 |
| Core capital (leverage) ratio | 7.1792% | 6,430 |
| Tier 1 risk-based capital ratio | 13.6788% | 4,555 |
| Total risk-based capital ratio | 14.9471% | 4,496 |
| Memoranda: | ||
| Average total assets | $86,224,000 | 5,065 |
| Average earning assets | $77,631,000 | 5,076 |
| Average equity | $4,664,000 | 6,078 |
| Average total loans | $46,157,000 | 5,075 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2944% | 6,006 |
| Cost of funding earning assets | 0.2793% | 5,765 |
| Net interest margin | 3.0150% | 5,546 |
| Noninterest income to average assets | 1.2270% | 925 |
| Noninterest expense to average assets | 4.4662% | 540 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.0290% | 6,614 |
| Return on assets (ROA) | -1.0290% | 6,612 |
| Pretax return on assets | -0.4916% | 6,483 |
| Return on Equity (ROE) | -20.9959% | 6,692 |
| Retained earnings to average equity (ytd only) | -20.9959% | 6,680 |
| Net charge-offs to loans | 0.6629% | 979 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -1.3846% | 5,292 |
| Efficiency ratio | 112.3681% | 242 |
| Assets per employee ($millions) | 3.1669% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5517% | 777 |
| Loan loss allowance to noncurrent loans | 49.2228% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 5.4576% | 398 |
| Noncurrent loans to loans | 5.1840% | 463 |
| Net loans and leases to total assets | 51.7362% | 4,888 |
| Net loans and leases to deposits | 55.2579% | 5,373 |
| Net loans and leases to core deposits | 56.1529% | 5,521 |
| Total domestic deposits to total assets | 93.6267% | 93 |
| Equity capital to assets | 4.6162% | 6,713 |
| Core capital (leverage) ratio | 5.2104% | 6,705 |
| Tier 1 risk-based capital ratio | 10.7180% | 6,296 |
| Total risk-based capital ratio | 11.9867% | 6,237 |
| Memoranda: | ||
| Average total assets | $102,526,000 | 4,682 |
| Average earning assets | $93,431,400 | 4,693 |
| Average equity | $5,024,800 | 6,059 |
| Average total loans | $54,912,600 | 4,781 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2379% | 6,153 |
| Cost of funding earning assets | 0.3022% | 5,715 |
| Net interest margin | 2.9357% | 5,725 |
| Noninterest income to average assets | 1.2817% | 898 |
| Noninterest expense to average assets | 4.4639% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.2160% | 6,733 |
| Return on assets (ROA) | -1.2160% | 6,733 |
| Pretax return on assets | -0.5070% | 6,600 |
| Return on Equity (ROE) | -24.4749% | 6,794 |
| Retained earnings to average equity (ytd only) | -24.4749% | 6,782 |
| Net charge-offs to loans | 0.8823% | 655 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -1.0707% | 5,024 |
| Efficiency ratio | 112.8130% | 230 |
| Assets per employee ($millions) | 3.2586% | 5,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5315% | 903 |
| Loan loss allowance to noncurrent loans | 50.6687% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 5.2348% | 518 |
| Noncurrent loans to loans | 4.9963% | 600 |
| Net loans and leases to total assets | 50.5390% | 5,070 |
| Net loans and leases to deposits | 54.1803% | 5,524 |
| Net loans and leases to core deposits | 55.0354% | 5,693 |
| Total domestic deposits to total assets | 93.2793% | 107 |
| Equity capital to assets | 4.3359% | 6,807 |
| Core capital (leverage) ratio | 5.1715% | 6,777 |
| Tier 1 risk-based capital ratio | 10.5589% | 6,435 |
| Total risk-based capital ratio | 11.8273% | 6,400 |
| Memoranda: | ||
| Average total assets | $103,613,750 | 4,699 |
| Average earning assets | $94,422,250 | 4,717 |
| Average equity | $5,148,000 | 6,103 |
| Average total loans | $55,610,250 | 4,802 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2554% | 6,153 |
| Cost of funding earning assets | 0.3283% | 5,580 |
| Net interest margin | 2.9272% | 5,732 |
| Noninterest income to average assets | 1.2845% | 937 |
| Noninterest expense to average assets | 4.3128% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3656% | 6,591 |
| Return on assets (ROA) | -0.3656% | 6,612 |
| Pretax return on assets | -0.3656% | 6,580 |
| Return on Equity (ROE) | -7.0688% | 6,689 |
| Retained earnings to average equity (ytd only) | -7.0688% | 6,572 |
| Net charge-offs to loans | 0.2187% | 2,436 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -3.0806% | 4,794 |
| Efficiency ratio | 109.2629% | 291 |
| Assets per employee ($millions) | 3.1266% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0013% | 582 |
| Loan loss allowance to noncurrent loans | 48.0283% | 5,285 |
| Noncurrent assets plus other real estate owned to assets | 6.3530% | 409 |
| Noncurrent loans to loans | 6.2490% | 426 |
| Net loans and leases to total assets | 51.1199% | 4,984 |
| Net loans and leases to deposits | 55.2171% | 5,419 |
| Net loans and leases to core deposits | 56.0753% | 5,589 |
| Total domestic deposits to total assets | 92.5799% | 171 |
| Equity capital to assets | 5.1260% | 6,817 |
| Core capital (leverage) ratio | 5.1418% | 6,817 |
| Tier 1 risk-based capital ratio | 10.3677% | 6,549 |
| Total risk-based capital ratio | 11.6321% | 6,513 |
| Memoranda: | ||
| Average total assets | $104,479,330 | 4,714 |
| Average earning assets | $95,041,000 | 4,724 |
| Average equity | $5,404,000 | 6,078 |
| Average total loans | $56,687,330 | 4,798 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3218% | 6,110 |
| Cost of funding earning assets | 0.3635% | 5,424 |
| Net interest margin | 2.9582% | 5,684 |
| Noninterest income to average assets | 0.3158% | 5,166 |
| Noninterest expense to average assets | 4.8816% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.8720% | 6,917 |
| Return on assets (ROA) | -1.8720% | 6,918 |
| Pretax return on assets | -1.8720% | 6,908 |
| Return on Equity (ROE) | -36.0341% | 6,945 |
| Retained earnings to average equity (ytd only) | -36.0341% | 6,920 |
| Net charge-offs to loans | 0.1798% | 2,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -18.9231% | 4,120 |
| Efficiency ratio | 162.1997% | 68 |
| Assets per employee ($millions) | 3.1928% | 5,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9341% | 705 |
| Loan loss allowance to noncurrent loans | 45.7237% | 5,343 |
| Noncurrent assets plus other real estate owned to assets | 6.4329% | 469 |
| Noncurrent loans to loans | 6.4170% | 504 |
| Net loans and leases to total assets | 52.3718% | 4,645 |
| Net loans and leases to deposits | 56.4131% | 5,203 |
| Net loans and leases to core deposits | 57.2684% | 5,408 |
| Total domestic deposits to total assets | 92.8363% | 140 |
| Equity capital to assets | 4.9334% | 6,893 |
| Core capital (leverage) ratio | 4.8833% | 6,886 |
| Tier 1 risk-based capital ratio | 9.2412% | 6,787 |
| Total risk-based capital ratio | 10.5122% | 6,784 |
| Memoranda: | ||
| Average total assets | $105,129,500 | 4,742 |
| Average earning assets | $95,732,500 | 4,746 |
| Average equity | $5,461,500 | 6,112 |
| Average total loans | $57,842,500 | 4,782 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4503% | 6,416 |
| Cost of funding earning assets | 0.6422% | 3,989 |
| Net interest margin | 2.8082% | 6,375 |
| Noninterest income to average assets | 1.2159% | 1,057 |
| Noninterest expense to average assets | 3.8403% | 1,187 |
| Loan and lease loss provision to assets | 1.4013% | 240 |
| Net operating income to assets | -1.6592% | 6,892 |
| Return on assets (ROA) | -1.6537% | 6,903 |
| Pretax return on assets | -1.4647% | 6,837 |
| Return on Equity (ROE) | -26.5327% | 6,935 |
| Retained earnings to average equity (ytd only) | -26.5327% | 6,909 |
| Net charge-offs to loans | 1.8046% | 449 |
| Credit loss provision to net charge-offs | 139.4239% | 1,980 |
| Earnings coverage of net charge-offs (x) | -0.0684% | 5,519 |
| Efficiency ratio | 101.8230% | 497 |
| Assets per employee ($millions) | 3.1786% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8792% | 750 |
| Loan loss allowance to noncurrent loans | 44.4270% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 7.1643% | 424 |
| Noncurrent loans to loans | 6.4807% | 522 |
| Net loans and leases to total assets | 54.4754% | 4,551 |
| Net loans and leases to deposits | 58.9549% | 5,133 |
| Net loans and leases to core deposits | 59.8534% | 5,377 |
| Total domestic deposits to total assets | 92.4019% | 184 |
| Equity capital to assets | 5.4578% | 6,924 |
| Core capital (leverage) ratio | 5.3793% | 6,903 |
| Tier 1 risk-based capital ratio | 9.6738% | 6,775 |
| Total risk-based capital ratio | 10.9445% | 6,750 |
| Memoranda: | ||
| Average total assets | $110,537,200 | 4,578 |
| Average earning assets | $100,598,600 | 4,582 |
| Average equity | $6,889,600 | 5,791 |
| Average total loans | $61,564,000 | 4,655 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4348% | 6,583 |
| Cost of funding earning assets | 0.6943% | 3,821 |
| Net interest margin | 2.7405% | 6,588 |
| Noninterest income to average assets | 1.1743% | 1,097 |
| Noninterest expense to average assets | 3.7779% | 1,250 |
| Loan and lease loss provision to assets | 1.8449% | 145 |
| Net operating income to assets | -2.1676% | 7,058 |
| Return on assets (ROA) | -2.1605% | 7,066 |
| Pretax return on assets | -1.9449% | 7,023 |
| Return on Equity (ROE) | -33.6819% | 7,078 |
| Retained earnings to average equity (ytd only) | -33.6819% | 7,070 |
| Net charge-offs to loans | 1.9985% | 361 |
| Credit loss provision to net charge-offs | 166.0236% | 1,680 |
| Earnings coverage of net charge-offs (x) | -0.0965% | 5,376 |
| Efficiency ratio | 102.9202% | 451 |
| Assets per employee ($millions) | 3.4580% | 5,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0463% | 682 |
| Loan loss allowance to noncurrent loans | 41.0526% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 7.0398% | 511 |
| Noncurrent loans to loans | 7.4205% | 461 |
| Net loans and leases to total assets | 53.8416% | 4,774 |
| Net loans and leases to deposits | 57.9777% | 5,435 |
| Net loans and leases to core deposits | 59.5957% | 5,600 |
| Total domestic deposits to total assets | 92.8662% | 125 |
| Equity capital to assets | 5.3535% | 7,031 |
| Core capital (leverage) ratio | 5.2516% | 7,003 |
| Tier 1 risk-based capital ratio | 9.5203% | 6,897 |
| Total risk-based capital ratio | 10.7763% | 6,886 |
| Memoranda: | ||
| Average total assets | $111,947,750 | 4,589 |
| Average earning assets | $101,974,000 | 4,596 |
| Average equity | $7,180,750 | 5,774 |
| Average total loans | $62,246,000 | 4,671 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3941% | 6,731 |
| Cost of funding earning assets | 0.7551% | 3,569 |
| Net interest margin | 2.6390% | 6,785 |
| Noninterest income to average assets | 1.0767% | 1,235 |
| Noninterest expense to average assets | 3.6253% | 1,529 |
| Loan and lease loss provision to assets | 0.2848% | 2,302 |
| Net operating income to assets | -0.2649% | 6,591 |
| Return on assets (ROA) | -0.2581% | 6,647 |
| Pretax return on assets | -0.4218% | 6,711 |
| Return on Equity (ROE) | -3.8160% | 6,717 |
| Retained earnings to average equity (ytd only) | -3.8160% | 6,538 |
| Net charge-offs to loans | 1.5581% | 620 |
| Credit loss provision to net charge-offs | 32.8542% | 4,394 |
| Earnings coverage of net charge-offs (x) | -0.1704% | 5,155 |
| Efficiency ratio | 104.2477% | 431 |
| Assets per employee ($millions) | 3.4320% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 4,028 |
| Loan loss allowance to noncurrent loans | 17.3937% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 7.6048% | 473 |
| Noncurrent loans to loans | 8.5977% | 379 |
| Net loans and leases to total assets | 54.0293% | 4,798 |
| Net loans and leases to deposits | 59.0087% | 5,341 |
| Net loans and leases to core deposits | 60.6342% | 5,527 |
| Total domestic deposits to total assets | 91.5617% | 300 |
| Equity capital to assets | 6.6998% | 6,955 |
| Core capital (leverage) ratio | 7.3201% | 6,708 |
| Tier 1 risk-based capital ratio | 13.4009% | 4,901 |
| Total risk-based capital ratio | 14.6488% | 4,860 |
| Memoranda: | ||
| Average total assets | $112,378,330 | 4,609 |
| Average earning assets | $102,236,330 | 4,618 |
| Average equity | $7,599,670 | 5,685 |
| Average total loans | $62,511,000 | 4,695 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3208% | 6,885 |
| Cost of funding earning assets | 0.8134% | 3,362 |
| Net interest margin | 2.5074% | 6,950 |
| Noninterest income to average assets | 1.0935% | 1,199 |
| Noninterest expense to average assets | 3.7127% | 1,359 |
| Loan and lease loss provision to assets | 0.1787% | 3,181 |
| Net operating income to assets | -0.3216% | 6,720 |
| Return on assets (ROA) | -0.3216% | 6,761 |
| Pretax return on assets | -0.5289% | 6,842 |
| Return on Equity (ROE) | -4.7334% | 6,841 |
| Retained earnings to average equity (ytd only) | -4.7334% | 6,563 |
| Net charge-offs to loans | 1.5692% | 638 |
| Credit loss provision to net charge-offs | 20.3252% | 3,769 |
| Earnings coverage of net charge-offs (x) | -0.3984% | 4,487 |
| Efficiency ratio | 110.4145% | 330 |
| Assets per employee ($millions) | 3.4984% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 3,375 |
| Loan loss allowance to noncurrent loans | 15.4630% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 9.2631% | 364 |
| Noncurrent loans to loans | 10.9518% | 251 |
| Net loans and leases to total assets | 53.4003% | 4,820 |
| Net loans and leases to deposits | 58.1869% | 5,352 |
| Net loans and leases to core deposits | 59.7484% | 5,555 |
| Total domestic deposits to total assets | 91.7737% | 312 |
| Equity capital to assets | 6.5225% | 7,008 |
| Core capital (leverage) ratio | 7.2145% | 6,758 |
| Tier 1 risk-based capital ratio | 13.8856% | 4,540 |
| Total risk-based capital ratio | 15.1574% | 4,509 |
| Memoranda: | ||
| Average total assets | $111,939,000 | 4,655 |
| Average earning assets | $101,301,000 | 4,664 |
| Average equity | $7,605,500 | 5,708 |
| Average total loans | $62,706,000 | 4,708 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 6,201 |
| Cost of funding earning assets | 0.8742% | 4,296 |
| Net interest margin | 3.2674% | 5,910 |
| Noninterest income to average assets | 0.3146% | 5,293 |
| Noninterest expense to average assets | 3.5548% | 1,849 |
| Loan and lease loss provision to assets | 0.6856% | 1,491 |
| Net operating income to assets | -0.6371% | 6,569 |
| Return on assets (ROA) | -0.3831% | 6,452 |
| Pretax return on assets | -0.6171% | 6,564 |
| Return on Equity (ROE) | -5.2146% | 6,539 |
| Retained earnings to average equity (ytd only) | -5.2146% | 6,460 |
| Net charge-offs to loans | 0.2237% | 4,383 |
| Credit loss provision to net charge-offs | 511.0345% | 444 |
| Earnings coverage of net charge-offs (x) | -2.4483% | 6,298 |
| Efficiency ratio | 108.2879% | 468 |
| Assets per employee ($millions) | 3.0980% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 2,248 |
| Loan loss allowance to noncurrent loans | 22.6520% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 8.6405% | 429 |
| Noncurrent loans to loans | 8.8643% | 407 |
| Net loans and leases to total assets | 56.6646% | 4,599 |
| Net loans and leases to deposits | 62.2084% | 5,214 |
| Net loans and leases to core deposits | 63.9548% | 5,468 |
| Total domestic deposits to total assets | 91.0883% | 471 |
| Equity capital to assets | 7.0838% | 6,939 |
| Core capital (leverage) ratio | 7.7896% | 6,449 |
| Tier 1 risk-based capital ratio | 13.8513% | 4,440 |
| Total risk-based capital ratio | 15.1015% | 4,396 |
| Memoranda: | ||
| Average total assets | $108,079,200 | 4,688 |
| Average earning assets | $96,314,200 | 4,738 |
| Average equity | $7,939,200 | 5,590 |
| Average total loans | $64,808,200 | 4,684 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2629% | 6,052 |
| Cost of funding earning assets | 0.8887% | 4,479 |
| Net interest margin | 3.3742% | 5,652 |
| Noninterest income to average assets | 0.2482% | 5,843 |
| Noninterest expense to average assets | 3.5545% | 1,804 |
| Loan and lease loss provision to assets | 0.2161% | 3,853 |
| Net operating income to assets | -0.3328% | 6,532 |
| Return on assets (ROA) | -0.0617% | 6,331 |
| Pretax return on assets | -0.0988% | 6,335 |
| Return on Equity (ROE) | -0.8330% | 6,356 |
| Retained earnings to average equity (ytd only) | -0.8330% | 6,125 |
| Net charge-offs to loans | 0.2490% | 3,873 |
| Credit loss provision to net charge-offs | 143.4426% | 2,214 |
| Earnings coverage of net charge-offs (x) | -2.0328% | 6,023 |
| Efficiency ratio | 107.4876% | 477 |
| Assets per employee ($millions) | 3.1211% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,839 |
| Loan loss allowance to noncurrent loans | 35.2217% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 5.5100% | 1,014 |
| Noncurrent loans to loans | 3.1590% | 2,199 |
| Net loans and leases to total assets | 58.1721% | 4,484 |
| Net loans and leases to deposits | 64.1250% | 5,154 |
| Net loans and leases to core deposits | 65.9006% | 5,424 |
| Total domestic deposits to total assets | 90.7166% | 546 |
| Equity capital to assets | 7.4159% | 6,949 |
| Core capital (leverage) ratio | 8.0742% | 6,314 |
| Tier 1 risk-based capital ratio | 14.2724% | 4,145 |
| Total risk-based capital ratio | 15.4431% | 4,174 |
| Memoranda: | ||
| Average total assets | $107,991,250 | 4,716 |
| Average earning assets | $96,019,250 | 4,775 |
| Average equity | $8,003,750 | 5,600 |
| Average total loans | $65,335,000 | 4,706 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 5,534 |
| Cost of funding earning assets | 0.9229% | 4,498 |
| Net interest margin | 3.5255% | 5,038 |
| Noninterest income to average assets | 0.0335% | 7,106 |
| Noninterest expense to average assets | 3.5919% | 1,760 |
| Loan and lease loss provision to assets | 0.1859% | 4,057 |
| Net operating income to assets | -0.3982% | 6,610 |
| Return on assets (ROA) | -0.0948% | 6,398 |
| Pretax return on assets | -0.1525% | 6,414 |
| Return on Equity (ROE) | -1.2796% | 6,441 |
| Retained earnings to average equity (ytd only) | -1.2796% | 6,113 |
| Net charge-offs to loans | 0.2314% | 3,737 |
| Credit loss provision to net charge-offs | 131.5789% | 2,321 |
| Earnings coverage of net charge-offs (x) | -3.1184% | 5,755 |
| Efficiency ratio | 111.9764% | 445 |
| Assets per employee ($millions) | 3.1552% | 5,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0604% | 6,094 |
| Loan loss allowance to noncurrent loans | 42.3362% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 5.3068% | 1,139 |
| Noncurrent loans to loans | 2.5048% | 2,883 |
| Net loans and leases to total assets | 59.5757% | 4,355 |
| Net loans and leases to deposits | 65.7460% | 5,035 |
| Net loans and leases to core deposits | 67.3676% | 5,355 |
| Total domestic deposits to total assets | 90.6150% | 670 |
| Equity capital to assets | 7.4788% | 6,960 |
| Core capital (leverage) ratio | 8.2139% | 6,011 |
| Tier 1 risk-based capital ratio | 14.0763% | 4,115 |
| Total risk-based capital ratio | 15.1824% | 4,187 |
| Memoranda: | ||
| Average total assets | $107,575,670 | 4,767 |
| Average earning assets | $95,135,330 | 4,842 |
| Average equity | $7,971,330 | 5,623 |
| Average total loans | $65,693,000 | 4,739 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 5,165 |
| Cost of funding earning assets | 0.9852% | 4,308 |
| Net interest margin | 3.5659% | 4,743 |
| Noninterest income to average assets | -0.4901% | 7,496 |
| Noninterest expense to average assets | 3.6018% | 1,764 |
| Loan and lease loss provision to assets | 0.2785% | 2,926 |
| Net operating income to assets | -0.7777% | 6,951 |
| Return on assets (ROA) | -0.2525% | 6,626 |
| Pretax return on assets | -0.4047% | 6,690 |
| Return on Equity (ROE) | -3.4233% | 6,702 |
| Retained earnings to average equity (ytd only) | -3.4233% | 6,352 |
| Net charge-offs to loans | 0.2113% | 3,249 |
| Credit loss provision to net charge-offs | 214.2857% | 1,400 |
| Earnings coverage of net charge-offs (x) | -7.2857% | 5,045 |
| Efficiency ratio | 133.2867% | 242 |
| Assets per employee ($millions) | 3.3229% | 5,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 6,173 |
| Loan loss allowance to noncurrent loans | 59.2217% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 4.7348% | 1,347 |
| Noncurrent loans to loans | 1.7996% | 3,830 |
| Net loans and leases to total assets | 59.2584% | 4,411 |
| Net loans and leases to deposits | 65.1210% | 5,106 |
| Net loans and leases to core deposits | 66.6773% | 5,441 |
| Total domestic deposits to total assets | 90.9974% | 629 |
| Equity capital to assets | 7.1715% | 7,028 |
| Core capital (leverage) ratio | 8.0003% | 6,260 |
| Tier 1 risk-based capital ratio | 13.7632% | 4,236 |
| Total risk-based capital ratio | 14.8707% | 4,312 |
| Memoranda: | ||
| Average total assets | $107,725,000 | 4,799 |
| Average earning assets | $95,010,500 | 4,883 |
| Average equity | $7,945,500 | 5,626 |
| Average total loans | $66,241,500 | 4,757 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6327% | 6,011 |
| Cost of funding earning assets | 1.3451% | 3,610 |
| Net interest margin | 3.2876% | 6,022 |
| Noninterest income to average assets | 0.7831% | 2,363 |
| Noninterest expense to average assets | 4.5078% | 644 |
| Loan and lease loss provision to assets | 1.0653% | 1,508 |
| Net operating income to assets | -1.0100% | 6,688 |
| Return on assets (ROA) | -0.9054% | 6,662 |
| Pretax return on assets | -1.6789% | 6,921 |
| Return on Equity (ROE) | -11.6530% | 6,800 |
| Retained earnings to average equity (ytd only) | -11.6530% | 6,747 |
| Net charge-offs to loans | 1.3461% | 1,658 |
| Credit loss provision to net charge-offs | 122.7593% | 3,399 |
| Earnings coverage of net charge-offs (x) | -0.8953% | 6,580 |
| Efficiency ratio | 119.1848% | 415 |
| Assets per employee ($millions) | 3.1116% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 6,436 |
| Loan loss allowance to noncurrent loans | 26.0458% | 6,535 |
| Noncurrent assets plus other real estate owned to assets | 6.6621% | 847 |
| Noncurrent loans to loans | 3.7933% | 1,950 |
| Net loans and leases to total assets | 62.5202% | 4,164 |
| Net loans and leases to deposits | 69.0482% | 4,954 |
| Net loans and leases to core deposits | 71.1273% | 5,318 |
| Total domestic deposits to total assets | 90.5457% | 811 |
| Equity capital to assets | 7.5875% | 6,826 |
| Core capital (leverage) ratio | 8.2434% | 5,760 |
| Tier 1 risk-based capital ratio | 13.2736% | 4,397 |
| Total risk-based capital ratio | 14.2899% | 4,531 |
| Memoranda: | ||
| Average total assets | $114,423,400 | 4,602 |
| Average earning assets | $102,597,200 | 4,654 |
| Average equity | $8,890,400 | 5,450 |
| Average total loans | $73,770,800 | 4,534 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6562% | 6,166 |
| Cost of funding earning assets | 1.4205% | 3,456 |
| Net interest margin | 3.2357% | 6,227 |
| Noninterest income to average assets | 0.7891% | 2,292 |
| Noninterest expense to average assets | 4.8389% | 429 |
| Loan and lease loss provision to assets | 1.1654% | 1,238 |
| Net operating income to assets | -1.2519% | 7,000 |
| Return on assets (ROA) | -1.1494% | 6,998 |
| Pretax return on assets | -2.1398% | 7,233 |
| Return on Equity (ROE) | -14.7148% | 7,096 |
| Retained earnings to average equity (ytd only) | -14.7148% | 7,069 |
| Net charge-offs to loans | 1.5750% | 1,259 |
| Credit loss provision to net charge-offs | 114.2377% | 3,663 |
| Earnings coverage of net charge-offs (x) | -1.1121% | 6,464 |
| Efficiency ratio | 128.9596% | 304 |
| Assets per employee ($millions) | 3.1951% | 5,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8455% | 6,903 |
| Loan loss allowance to noncurrent loans | 22.4560% | 6,789 |
| Noncurrent assets plus other real estate owned to assets | 6.0691% | 981 |
| Noncurrent loans to loans | 3.7653% | 2,053 |
| Net loans and leases to total assets | 63.3656% | 4,241 |
| Net loans and leases to deposits | 69.9596% | 5,150 |
| Net loans and leases to core deposits | 71.8111% | 5,535 |
| Total domestic deposits to total assets | 90.5747% | 608 |
| Equity capital to assets | 7.5272% | 7,114 |
| Core capital (leverage) ratio | 8.4861% | 5,541 |
| Tier 1 risk-based capital ratio | 13.7132% | 4,044 |
| Total risk-based capital ratio | 14.5939% | 4,282 |
| Memoranda: | ||
| Average total assets | $116,581,000 | 4,627 |
| Average earning assets | $105,033,500 | 4,639 |
| Average equity | $9,106,250 | 5,463 |
| Average total loans | $75,513,000 | 4,540 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 6,284 |
| Cost of funding earning assets | 1.4905% | 3,306 |
| Net interest margin | 3.1677% | 6,411 |
| Noninterest income to average assets | 0.7985% | 2,124 |
| Noninterest expense to average assets | 3.5729% | 1,846 |
| Loan and lease loss provision to assets | 0.7179% | 2,029 |
| Net operating income to assets | -0.6190% | 6,754 |
| Return on assets (ROA) | -0.5032% | 6,697 |
| Pretax return on assets | -0.5032% | 6,592 |
| Return on Equity (ROE) | -6.3721% | 6,792 |
| Retained earnings to average equity (ytd only) | -6.3721% | 6,682 |
| Net charge-offs to loans | 0.4978% | 3,046 |
| Credit loss provision to net charge-offs | 221.7617% | 1,758 |
| Earnings coverage of net charge-offs (x) | 0.3057% | 5,420 |
| Efficiency ratio | 95.7972% | 978 |
| Assets per employee ($millions) | 3.3958% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 6,674 |
| Loan loss allowance to noncurrent loans | 15.6172% | 7,125 |
| Noncurrent assets plus other real estate owned to assets | 6.6889% | 820 |
| Noncurrent loans to loans | 5.9295% | 1,083 |
| Net loans and leases to total assets | 61.8414% | 4,718 |
| Net loans and leases to deposits | 67.9916% | 5,565 |
| Net loans and leases to core deposits | 69.7916% | 5,897 |
| Total domestic deposits to total assets | 90.9544% | 500 |
| Equity capital to assets | 7.8214% | 6,905 |
| Core capital (leverage) ratio | 8.3306% | 5,705 |
| Tier 1 risk-based capital ratio | 13.9864% | 3,738 |
| Total risk-based capital ratio | 14.9624% | 3,894 |
| Memoranda: | ||
| Average total assets | $119,230,330 | 4,588 |
| Average earning assets | $108,154,670 | 4,604 |
| Average equity | $9,416,000 | 5,373 |
| Average total loans | $77,543,000 | 4,522 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7598% | 6,037 |
| Cost of funding earning assets | 1.6050% | 2,930 |
| Net interest margin | 3.1548% | 6,435 |
| Noninterest income to average assets | 0.8206% | 1,928 |
| Noninterest expense to average assets | 3.6008% | 1,735 |
| Loan and lease loss provision to assets | 0.7637% | 1,661 |
| Net operating income to assets | -0.6733% | 6,941 |
| Return on assets (ROA) | -0.5627% | 6,904 |
| Pretax return on assets | -0.5627% | 6,823 |
| Return on Equity (ROE) | -7.0916% | 7,003 |
| Retained earnings to average equity (ytd only) | -7.0916% | 6,752 |
| Net charge-offs to loans | 0.9341% | 1,722 |
| Credit loss provision to net charge-offs | 123.2432% | 2,838 |
| Earnings coverage of net charge-offs (x) | 0.1459% | 4,904 |
| Efficiency ratio | 96.3702% | 1,002 |
| Assets per employee ($millions) | 3.6234% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 6,972 |
| Loan loss allowance to noncurrent loans | 25.4302% | 6,706 |
| Noncurrent assets plus other real estate owned to assets | 5.1433% | 1,233 |
| Noncurrent loans to loans | 3.3679% | 2,379 |
| Net loans and leases to total assets | 64.3788% | 4,247 |
| Net loans and leases to deposits | 70.7586% | 5,233 |
| Net loans and leases to core deposits | 72.6505% | 5,644 |
| Total domestic deposits to total assets | 90.9837% | 555 |
| Equity capital to assets | 7.8438% | 6,815 |
| Core capital (leverage) ratio | 8.3865% | 5,591 |
| Tier 1 risk-based capital ratio | 13.8360% | 3,776 |
| Total risk-based capital ratio | 14.7582% | 3,941 |
| Memoranda: | ||
| Average total assets | $119,418,500 | 4,644 |
| Average earning assets | $108,661,000 | 4,643 |
| Average equity | $9,476,000 | 5,396 |
| Average total loans | $79,220,500 | 4,535 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3421% | 4,975 |
| Cost of funding earning assets | 2.1817% | 2,108 |
| Net interest margin | 3.1603% | 6,203 |
| Noninterest income to average assets | 0.9957% | 1,588 |
| Noninterest expense to average assets | 3.7840% | 1,731 |
| Loan and lease loss provision to assets | 0.9054% | 2,484 |
| Net operating income to assets | -0.7508% | 6,403 |
| Return on assets (ROA) | -0.5685% | 6,239 |
| Pretax return on assets | -0.5685% | 6,066 |
| Return on Equity (ROE) | -6.8413% | 6,377 |
| Retained earnings to average equity (ytd only) | -6.8413% | 6,227 |
| Net charge-offs to loans | 0.5760% | 3,490 |
| Credit loss provision to net charge-offs | 220.1220% | 1,714 |
| Earnings coverage of net charge-offs (x) | 0.3760% | 5,738 |
| Efficiency ratio | 95.0541% | 1,349 |
| Assets per employee ($millions) | 3.3129% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8292% | 7,049 |
| Loan loss allowance to noncurrent loans | 14.7936% | 7,271 |
| Noncurrent assets plus other real estate owned to assets | 5.3016% | 1,116 |
| Noncurrent loans to loans | 5.6054% | 1,146 |
| Net loans and leases to total assets | 67.1840% | 3,881 |
| Net loans and leases to deposits | 73.9452% | 5,049 |
| Net loans and leases to core deposits | 90.1468% | 5,113 |
| Total domestic deposits to total assets | 90.8565% | 590 |
| Equity capital to assets | 8.0267% | 6,551 |
| Core capital (leverage) ratio | 8.5519% | 5,190 |
| Tier 1 risk-based capital ratio | 13.8752% | 3,582 |
| Total risk-based capital ratio | 14.7916% | 3,742 |
| Memoranda: | ||
| Average total assets | $119,609,600 | 4,578 |
| Average earning assets | $111,380,200 | 4,523 |
| Average equity | $9,939,600 | 5,311 |
| Average total loans | $85,411,800 | 4,347 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 4,760 |
| Cost of funding earning assets | 2.2416% | 2,225 |
| Net interest margin | 3.1949% | 6,041 |
| Noninterest income to average assets | 0.9847% | 1,661 |
| Noninterest expense to average assets | 3.8318% | 1,536 |
| Loan and lease loss provision to assets | 0.6672% | 2,737 |
| Net operating income to assets | -0.5280% | 6,457 |
| Return on assets (ROA) | -0.3152% | 6,233 |
| Pretax return on assets | -0.3152% | 6,112 |
| Return on Equity (ROE) | -3.7614% | 6,316 |
| Retained earnings to average equity (ytd only) | -3.7614% | 6,074 |
| Net charge-offs to loans | 0.7532% | 2,477 |
| Credit loss provision to net charge-offs | 122.4949% | 4,136 |
| Earnings coverage of net charge-offs (x) | 0.2556% | 5,759 |
| Efficiency ratio | 95.5119% | 1,303 |
| Assets per employee ($millions) | 3.0877% | 5,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 6,979 |
| Loan loss allowance to noncurrent loans | 18.9771% | 7,142 |
| Noncurrent assets plus other real estate owned to assets | 3.7850% | 1,711 |
| Noncurrent loans to loans | 4.4394% | 1,583 |
| Net loans and leases to total assets | 68.9052% | 3,743 |
| Net loans and leases to deposits | 75.9070% | 5,064 |
| Net loans and leases to core deposits | 93.6937% | 5,048 |
| Total domestic deposits to total assets | 90.7758% | 490 |
| Equity capital to assets | 8.2443% | 6,576 |
| Core capital (leverage) ratio | 8.6579% | 5,209 |
| Tier 1 risk-based capital ratio | 14.3849% | 3,337 |
| Total risk-based capital ratio | 15.3619% | 3,427 |
| Memoranda: | ||
| Average total assets | $119,695,750 | 4,604 |
| Average earning assets | $111,883,750 | 4,542 |
| Average equity | $10,031,250 | 5,326 |
| Average total loans | $86,565,500 | 4,349 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4762% | 4,746 |
| Cost of funding earning assets | 2.3014% | 2,353 |
| Net interest margin | 3.1748% | 6,003 |
| Noninterest income to average assets | 0.9142% | 1,925 |
| Noninterest expense to average assets | 3.7504% | 1,741 |
| Loan and lease loss provision to assets | 0.8171% | 2,047 |
| Net operating income to assets | -0.6831% | 6,736 |
| Return on assets (ROA) | -0.4571% | 6,507 |
| Pretax return on assets | -0.4571% | 6,375 |
| Return on Equity (ROE) | -5.4244% | 6,653 |
| Retained earnings to average equity (ytd only) | -5.4244% | 6,361 |
| Net charge-offs to loans | 0.9437% | 1,838 |
| Credit loss provision to net charge-offs | 118.1598% | 3,932 |
| Earnings coverage of net charge-offs (x) | 0.1937% | 5,478 |
| Efficiency ratio | 95.7328% | 1,397 |
| Assets per employee ($millions) | 3.1715% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 6,776 |
| Loan loss allowance to noncurrent loans | 22.4627% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 3.5395% | 1,758 |
| Noncurrent loans to loans | 3.9973% | 1,702 |
| Net loans and leases to total assets | 68.5302% | 4,067 |
| Net loans and leases to deposits | 75.3299% | 5,271 |
| Net loans and leases to core deposits | 91.9749% | 5,355 |
| Total domestic deposits to total assets | 90.9734% | 458 |
| Equity capital to assets | 8.0087% | 6,742 |
| Core capital (leverage) ratio | 8.4378% | 5,549 |
| Tier 1 risk-based capital ratio | 13.9765% | 3,535 |
| Total risk-based capital ratio | 15.0096% | 3,585 |
| Memoranda: | ||
| Average total assets | $119,453,670 | 4,651 |
| Average earning assets | $111,756,670 | 4,579 |
| Average equity | $10,065,670 | 5,345 |
| Average total loans | $87,526,670 | 4,342 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 4,244 |
| Cost of funding earning assets | 2.4129% | 2,243 |
| Net interest margin | 3.2063% | 5,837 |
| Noninterest income to average assets | 0.7773% | 2,444 |
| Noninterest expense to average assets | 3.8420% | 1,399 |
| Loan and lease loss provision to assets | 0.4159% | 2,840 |
| Net operating income to assets | -0.4773% | 6,853 |
| Return on assets (ROA) | -0.3102% | 6,770 |
| Pretax return on assets | -0.3102% | 6,683 |
| Return on Equity (ROE) | -3.5878% | 6,846 |
| Retained earnings to average equity (ytd only) | -3.5878% | 6,370 |
| Net charge-offs to loans | 1.7261% | 837 |
| Credit loss provision to net charge-offs | 31.9372% | 4,924 |
| Earnings coverage of net charge-offs (x) | -0.0471% | 5,021 |
| Efficiency ratio | 100.8115% | 1,099 |
| Assets per employee ($millions) | 3.0967% | 5,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4763% | 7,854 |
| Loan loss allowance to noncurrent loans | 12.3276% | 7,477 |
| Noncurrent assets plus other real estate owned to assets | 3.1266% | 1,795 |
| Noncurrent loans to loans | 3.8640% | 1,586 |
| Net loans and leases to total assets | 72.6609% | 3,080 |
| Net loans and leases to deposits | 80.1824% | 4,580 |
| Net loans and leases to core deposits | 96.6837% | 4,878 |
| Total domestic deposits to total assets | 90.6195% | 547 |
| Equity capital to assets | 8.3645% | 6,293 |
| Core capital (leverage) ratio | 8.7935% | 5,000 |
| Tier 1 risk-based capital ratio | 14.2732% | 3,445 |
| Total risk-based capital ratio | 14.8402% | 3,728 |
| Memoranda: | ||
| Average total assets | $117,335,500 | 4,721 |
| Average earning assets | $109,908,500 | 4,642 |
| Average equity | $10,145,500 | 5,338 |
| Average total loans | $88,523,500 | 4,345 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4225% | 3,306 |
| Cost of funding earning assets | 2.9338% | 2,127 |
| Net interest margin | 3.4887% | 5,332 |
| Noninterest income to average assets | 0.7487% | 2,792 |
| Noninterest expense to average assets | 3.6105% | 2,118 |
| Loan and lease loss provision to assets | 0.2186% | 4,701 |
| Net operating income to assets | 0.1190% | 6,058 |
| Return on assets (ROA) | 0.1349% | 5,852 |
| Pretax return on assets | 0.2297% | 5,665 |
| Return on Equity (ROE) | 1.4875% | 5,773 |
| Retained earnings to average equity (ytd only) | 0.2918% | 5,068 |
| Net charge-offs to loans | 0.0854% | 5,537 |
| Credit loss provision to net charge-offs | 341.3333% | 1,329 |
| Earnings coverage of net charge-offs (x) | 6.6133% | 3,322 |
| Efficiency ratio | 87.9365% | 1,684 |
| Assets per employee ($millions) | 2.9205% | 6,248 |
| Cash dividends to net income (ytd only)* | 80.3797% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 7,232 |
| Loan loss allowance to noncurrent loans | 25.0276% | 7,009 |
| Noncurrent assets plus other real estate owned to assets | 2.3977% | 2,026 |
| Noncurrent loans to loans | 3.0527% | 1,750 |
| Net loans and leases to total assets | 77.4318% | 2,281 |
| Net loans and leases to deposits | 86.1505% | 4,101 |
| Net loans and leases to core deposits | 102.8621% | 4,514 |
| Total domestic deposits to total assets | 89.8796% | 700 |
| Equity capital to assets | 8.9456% | 5,437 |
| Core capital (leverage) ratio | 9.3569% | 4,224 |
| Tier 1 risk-based capital ratio | 14.6148% | 3,247 |
| Total risk-based capital ratio | 15.5470% | 3,320 |
| Memoranda: | ||
| Average total assets | $117,131,000 | 4,584 |
| Average earning assets | $110,299,200 | 4,507 |
| Average equity | $10,622,000 | 5,232 |
| Average total loans | $87,862,000 | 4,291 |