Home > American Metro Bank > Performance and Condition Ratios
American Metro Bank, 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 | 6.3018% | 435 |
| Cost of funding earning assets | 1.4895% | 1,970 |
| Net interest margin | 4.8123% | 412 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 3.4303% | 631 |
| Loan and lease loss provision to assets | -0.1900% | 4,556 |
| Net operating income to assets | 1.9879% | 477 |
| Return on assets (ROA) | 1.9879% | 461 |
| Pretax return on assets | 1.6564% | 1,142 |
| Return on Equity (ROE) | 13.1600% | 1,685 |
| Retained earnings to average equity (ytd only) | 13.1595% | 485 |
| Net charge-offs to loans | -0.4163% | 4,589 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 70.0264% | 1,871 |
| Assets per employee ($millions) | 5.4440% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 1,566 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 77.2800% | 938 |
| Net loans and leases to deposits | 98.5953% | 614 |
| Net loans and leases to core deposits | 138.8303% | 286 |
| Total domestic deposits to total assets | 78.3800% | 3,682 |
| Equity capital to assets | 14.8507% | 569 |
| Core capital (leverage) ratio | 14.4908% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0957% | 601 |
| Memoranda: | ||
| Average total assets | $85,065,200 | 3,970 |
| Average earning assets | $80,564,200 | 3,924 |
| Average equity | $12,850,000 | 3,442 |
| Average total loans | $67,976,000 | 3,579 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3765% | 351 |
| Cost of funding earning assets | 1.3590% | 1,981 |
| Net interest margin | 5.0175% | 299 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 3.6268% | 483 |
| Loan and lease loss provision to assets | -0.2600% | 4,597 |
| Net operating income to assets | 2.2581% | 344 |
| Return on assets (ROA) | 2.2581% | 335 |
| Pretax return on assets | 1.7613% | 1,063 |
| Return on Equity (ROE) | 14.8800% | 1,465 |
| Retained earnings to average equity (ytd only) | 14.8784% | 572 |
| Net charge-offs to loans | -0.5445% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.6746% | 1,713 |
| Assets per employee ($millions) | 5.0286% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4091% | 1,415 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 79.4800% | 708 |
| Net loans and leases to deposits | 102.9987% | 390 |
| Net loans and leases to core deposits | 129.2495% | 351 |
| Total domestic deposits to total assets | 77.1600% | 3,912 |
| Equity capital to assets | 15.7254% | 468 |
| Core capital (leverage) ratio | 14.0292% | 818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9532% | 554 |
| Memoranda: | ||
| Average total assets | $83,194,500 | 4,004 |
| Average earning assets | $78,682,250 | 3,962 |
| Average equity | $12,626,500 | 3,459 |
| Average total loans | $66,843,500 | 3,608 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8868% | 511 |
| Cost of funding earning assets | 1.1933% | 2,016 |
| Net interest margin | 4.6935% | 463 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 3.5666% | 492 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.8731% | 588 |
| Return on assets (ROA) | 1.8731% | 581 |
| Pretax return on assets | 1.0142% | 2,874 |
| Return on Equity (ROE) | 12.5000% | 2,009 |
| Retained earnings to average equity (ytd only) | 12.4976% | 887 |
| Net charge-offs to loans | -0.0423% | 4,333 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.6423% | 1,120 |
| Assets per employee ($millions) | 4.7001% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 1,737 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.0780% | 412 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 78.2500% | 809 |
| Net loans and leases to deposits | 100.5636% | 493 |
| Net loans and leases to core deposits | 132.3755% | 295 |
| Total domestic deposits to total assets | 77.8100% | 3,870 |
| Equity capital to assets | 15.1358% | 510 |
| Core capital (leverage) ratio | 13.8742% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9296% | 640 |
| Memoranda: | ||
| Average total assets | $82,430,667 | 4,023 |
| Average earning assets | $77,767,000 | 3,986 |
| Average equity | $12,354,333 | 3,503 |
| Average total loans | $66,154,333 | 3,619 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7594% | 441 |
| Cost of funding earning assets | 1.0050% | 2,033 |
| Net interest margin | 4.7544% | 406 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 3.6290% | 470 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.9441% | 2,705 |
| Return on assets (ROA) | 0.9441% | 2,663 |
| Pretax return on assets | 1.0179% | 2,940 |
| Return on Equity (ROE) | 6.3300% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.3319% | 2,678 |
| Net charge-offs to loans | -0.0548% | 4,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.8750% | 1,092 |
| Assets per employee ($millions) | 5.0465% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,806 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.1295% | 332 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 79.6800% | 572 |
| Net loans and leases to deposits | 102.5963% | 343 |
| Net loans and leases to core deposits | 126.9171% | 318 |
| Total domestic deposits to total assets | 77.6600% | 4,037 |
| Equity capital to assets | 15.1404% | 472 |
| Core capital (leverage) ratio | 13.8132% | 768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5166% | 607 |
| Memoranda: | ||
| Average total assets | $81,345,500 | 4,085 |
| Average earning assets | $76,813,500 | 4,043 |
| Average equity | $12,129,000 | 3,561 |
| Average total loans | $65,680,000 | 3,668 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 420 |
| Cost of funding earning assets | 0.4321% | 1,844 |
| Net interest margin | 4.3834% | 358 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 3.4326% | 527 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1442% | 1,995 |
| Return on assets (ROA) | 1.1442% | 1,940 |
| Pretax return on assets | 1.1839% | 2,489 |
| Return on Equity (ROE) | 8.3400% | 3,300 |
| Retained earnings to average equity (ytd only) | 8.3351% | 1,706 |
| Net charge-offs to loans | -0.0441% | 4,316 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.3556% | 1,179 |
| Assets per employee ($millions) | 5.4435% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 1,903 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1169% | 360 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 79.9600% | 595 |
| Net loans and leases to deposits | 105.7262% | 249 |
| Net loans and leases to core deposits | 125.9419% | 278 |
| Total domestic deposits to total assets | 75.6300% | 4,278 |
| Equity capital to assets | 14.7369% | 501 |
| Core capital (leverage) ratio | 13.6061% | 789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4539% | 675 |
| Memoranda: | ||
| Average total assets | $83,201,800 | 4,090 |
| Average earning assets | $77,291,600 | 4,070 |
| Average equity | $11,421,600 | 3,722 |
| Average total loans | $61,198,000 | 3,702 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 804 |
| Cost of funding earning assets | 0.3416% | 1,774 |
| Net interest margin | 3.9073% | 794 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 3.3241% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7130% | 3,529 |
| Return on assets (ROA) | 0.7130% | 3,480 |
| Pretax return on assets | 0.7991% | 3,573 |
| Return on Equity (ROE) | 5.2900% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.2888% | 2,999 |
| Net charge-offs to loans | -0.0445% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.6190% | 733 |
| Assets per employee ($millions) | 5.3410% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.5353% | 216 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 72.7800% | 1,204 |
| Net loans and leases to deposits | 90.7169% | 845 |
| Net loans and leases to core deposits | 106.0520% | 587 |
| Total domestic deposits to total assets | 80.2200% | 4,075 |
| Equity capital to assets | 13.4689% | 620 |
| Core capital (leverage) ratio | 12.9311% | 925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9004% | 737 |
| Memoranda: | ||
| Average total assets | $83,589,250 | 4,114 |
| Average earning assets | $77,289,250 | 4,099 |
| Average equity | $11,268,750 | 3,783 |
| Average total loans | $59,961,250 | 3,746 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 537 |
| Cost of funding earning assets | 0.2814% | 1,886 |
| Net interest margin | 4.0004% | 498 |
| Noninterest income to average assets | 0.2121% | 3,931 |
| Noninterest expense to average assets | 3.2061% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5930% | 3,644 |
| Return on assets (ROA) | 0.5930% | 3,588 |
| Pretax return on assets | 0.6726% | 3,649 |
| Return on Equity (ROE) | 4.3974% | 3,929 |
| Retained earnings to average equity (ytd only) | 4.3974% | 2,921 |
| Net charge-offs to loans | -0.0543% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6600% | 758 |
| Assets per employee ($millions) | 5.0782% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 1,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3030% | 45 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 76.4260% | 689 |
| Net loans and leases to deposits | 97.9737% | 343 |
| Net loans and leases to core deposits | 116.4553% | 238 |
| Total domestic deposits to total assets | 78.0066% | 4,350 |
| Equity capital to assets | 14.8478% | 417 |
| Core capital (leverage) ratio | 12.6652% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3789% | 802 |
| Memoranda: | ||
| Average total assets | $82,967,000 | 4,161 |
| Average earning assets | $76,042,333 | 4,169 |
| Average equity | $11,188,333 | 3,869 |
| Average total loans | $58,934,333 | 3,804 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 636 |
| Cost of funding earning assets | 0.2671% | 1,953 |
| Net interest margin | 3.8354% | 592 |
| Noninterest income to average assets | 0.2038% | 3,941 |
| Noninterest expense to average assets | 3.0707% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5882% | 3,429 |
| Return on assets (ROA) | 0.5882% | 3,412 |
| Pretax return on assets | 0.6577% | 3,499 |
| Return on Equity (ROE) | 4.5653% | 3,739 |
| Retained earnings to average equity (ytd only) | 4.5653% | 2,752 |
| Net charge-offs to loans | -0.0612% | 4,329 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3602% | 956 |
| Assets per employee ($millions) | 5.6616% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,818 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.9850% | 64 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 68.4141% | 1,175 |
| Net loans and leases to deposits | 91.7055% | 446 |
| Net loans and leases to core deposits | 107.7442% | 309 |
| Total domestic deposits to total assets | 74.6020% | 4,557 |
| Equity capital to assets | 13.1777% | 658 |
| Core capital (leverage) ratio | 11.6187% | 1,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2599% | 866 |
| Memoranda: | ||
| Average total assets | $86,364,000 | 4,142 |
| Average earning assets | $79,366,500 | 4,149 |
| Average equity | $11,127,500 | 3,944 |
| Average total loans | $58,870,000 | 3,808 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 761 |
| Cost of funding earning assets | 0.3303% | 2,116 |
| Net interest margin | 4.0335% | 663 |
| Noninterest income to average assets | -0.0115% | 4,820 |
| Noninterest expense to average assets | 3.3059% | 623 |
| Loan and lease loss provision to assets | 0.0689% | 1,698 |
| Net operating income to assets | 1.8074% | 500 |
| Return on assets (ROA) | 1.8074% | 520 |
| Pretax return on assets | 0.3858% | 4,409 |
| Return on Equity (ROE) | 15.8347% | 781 |
| Retained earnings to average equity (ytd only) | 15.8347% | 184 |
| Net charge-offs to loans | 0.0100% | 2,183 |
| Credit loss provision to net charge-offs | 1,000.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 66.0000% | 1,117 |
| Efficiency ratio | 87.9084% | 394 |
| Assets per employee ($millions) | 5.4878% | 3,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4133% | 1,878 |
| Loan loss allowance to noncurrent loans | 60.7456% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 2.8860% | 80 |
| Noncurrent loans to loans | 2.3265% | 303 |
| Net loans and leases to total assets | 66.0209% | 1,466 |
| Net loans and leases to deposits | 87.3145% | 693 |
| Net loans and leases to core deposits | 102.4079% | 449 |
| Total domestic deposits to total assets | 75.6127% | 4,529 |
| Equity capital to assets | 12.6008% | 1,030 |
| Core capital (leverage) ratio | 11.3737% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8580% | 777 |
| Memoranda: | ||
| Average total assets | $87,086,400 | 4,133 |
| Average earning assets | $81,443,400 | 4,108 |
| Average equity | $9,940,200 | 4,137 |
| Average total loans | $60,143,400 | 3,813 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4126% | 792 |
| Cost of funding earning assets | 0.3487% | 2,126 |
| Net interest margin | 4.0638% | 695 |
| Noninterest income to average assets | 0.1427% | 4,484 |
| Noninterest expense to average assets | 3.0714% | 861 |
| Loan and lease loss provision to assets | 0.0921% | 1,295 |
| Net operating income to assets | 0.7257% | 3,706 |
| Return on assets (ROA) | 0.7257% | 3,769 |
| Pretax return on assets | 0.7870% | 3,914 |
| Return on Equity (ROE) | 6.5290% | 3,791 |
| Retained earnings to average equity (ytd only) | 6.5290% | 2,607 |
| Net charge-offs to loans | 0.0397% | 1,298 |
| Credit loss provision to net charge-offs | 333.3333% | 947 |
| Earnings coverage of net charge-offs (x) | 31.8333% | 1,493 |
| Efficiency ratio | 77.7476% | 896 |
| Assets per employee ($millions) | 5.5051% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,334 |
| Loan loss allowance to noncurrent loans | 59.9415% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 3.0483% | 79 |
| Noncurrent loans to loans | 2.2183% | 373 |
| Net loans and leases to total assets | 69.0830% | 1,183 |
| Net loans and leases to deposits | 89.5839% | 628 |
| Net loans and leases to core deposits | 106.4929% | 396 |
| Total domestic deposits to total assets | 77.1154% | 4,489 |
| Equity capital to assets | 11.1772% | 1,904 |
| Core capital (leverage) ratio | 11.0037% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8408% | 613 |
| Memoranda: | ||
| Average total assets | $86,907,000 | 4,181 |
| Average earning assets | $81,432,250 | 4,159 |
| Average equity | $9,659,250 | 4,230 |
| Average total loans | $60,479,250 | 3,859 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6748% | 551 |
| Cost of funding earning assets | 0.3799% | 2,052 |
| Net interest margin | 4.2949% | 498 |
| Noninterest income to average assets | 0.1295% | 4,556 |
| Noninterest expense to average assets | 3.0330% | 932 |
| Loan and lease loss provision to assets | 0.1387% | 877 |
| Net operating income to assets | 0.9825% | 2,949 |
| Return on assets (ROA) | 0.9825% | 3,039 |
| Pretax return on assets | 0.9825% | 3,481 |
| Return on Equity (ROE) | 8.8566% | 3,149 |
| Retained earnings to average equity (ytd only) | 8.8566% | 1,755 |
| Net charge-offs to loans | 0.0832% | 847 |
| Credit loss provision to net charge-offs | 240.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 19.4000% | 1,544 |
| Efficiency ratio | 73.0106% | 1,336 |
| Assets per employee ($millions) | 5.6068% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3606% | 2,152 |
| Loan loss allowance to noncurrent loans | 51.0678% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 2.9930% | 93 |
| Noncurrent loans to loans | 2.6643% | 297 |
| Net loans and leases to total assets | 65.7002% | 1,725 |
| Net loans and leases to deposits | 84.6460% | 1,015 |
| Net loans and leases to core deposits | 105.3573% | 491 |
| Total domestic deposits to total assets | 77.6176% | 4,463 |
| Equity capital to assets | 10.9209% | 2,047 |
| Core capital (leverage) ratio | 11.1347% | 1,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6881% | 636 |
| Memoranda: | ||
| Average total assets | $86,515,667 | 4,210 |
| Average earning assets | $81,073,000 | 4,189 |
| Average equity | $9,597,333 | 4,251 |
| Average total loans | $60,082,667 | 3,898 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9383% | 389 |
| Cost of funding earning assets | 0.4485% | 1,734 |
| Net interest margin | 4.4898% | 364 |
| Noninterest income to average assets | 0.1837% | 4,274 |
| Noninterest expense to average assets | 3.0994% | 840 |
| Loan and lease loss provision to assets | 0.1413% | 943 |
| Net operating income to assets | 1.1870% | 2,201 |
| Return on assets (ROA) | 1.1870% | 2,271 |
| Pretax return on assets | 1.1870% | 2,882 |
| Return on Equity (ROE) | 10.6133% | 2,492 |
| Retained earnings to average equity (ytd only) | 10.6133% | 1,490 |
| Net charge-offs to loans | -0.0398% | 4,307 |
| Credit loss provision to net charge-offs | -500.0000% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 1,697 |
| Assets per employee ($millions) | 5.0425% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 2,178 |
| Loan loss allowance to noncurrent loans | 241.5430% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 1.7008% | 339 |
| Noncurrent loans to loans | 0.5614% | 2,169 |
| Net loans and leases to total assets | 69.0826% | 1,403 |
| Net loans and leases to deposits | 88.6459% | 786 |
| Net loans and leases to core deposits | 113.0673% | 342 |
| Total domestic deposits to total assets | 77.9310% | 4,442 |
| Equity capital to assets | 11.2270% | 1,700 |
| Core capital (leverage) ratio | 11.2444% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6398% | 616 |
| Memoranda: | ||
| Average total assets | $84,919,000 | 4,242 |
| Average earning assets | $80,270,500 | 4,210 |
| Average equity | $9,497,500 | 4,274 |
| Average total loans | $60,248,000 | 3,914 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7826% | 757 |
| Cost of funding earning assets | 0.8847% | 898 |
| Net interest margin | 3.8979% | 1,216 |
| Noninterest income to average assets | 0.1712% | 4,428 |
| Noninterest expense to average assets | 3.1419% | 1,157 |
| Loan and lease loss provision to assets | 0.1154% | 2,909 |
| Net operating income to assets | 0.6170% | 3,688 |
| Return on assets (ROA) | 0.6170% | 3,818 |
| Pretax return on assets | 0.6170% | 4,047 |
| Return on Equity (ROE) | 5.5906% | 3,709 |
| Retained earnings to average equity (ytd only) | 5.5906% | 1,996 |
| Net charge-offs to loans | -0.0593% | 4,702 |
| Credit loss provision to net charge-offs | -256.7568% | 3,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0972% | 804 |
| Assets per employee ($millions) | 5.6077% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,482 |
| Loan loss allowance to noncurrent loans | 347.3214% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 1.6049% | 433 |
| Noncurrent loans to loans | 0.3705% | 2,873 |
| Net loans and leases to total assets | 70.9556% | 1,432 |
| Net loans and leases to deposits | 91.3229% | 830 |
| Net loans and leases to core deposits | 119.1888% | 319 |
| Total domestic deposits to total assets | 77.6975% | 4,350 |
| Equity capital to assets | 11.1406% | 2,143 |
| Core capital (leverage) ratio | 11.1388% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9251% | 776 |
| Memoranda: | ||
| Average total assets | $82,339,000 | 4,218 |
| Average earning assets | $78,221,200 | 4,182 |
| Average equity | $9,086,600 | 4,304 |
| Average total loans | $62,356,600 | 3,877 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8887% | 749 |
| Cost of funding earning assets | 0.9788% | 822 |
| Net interest margin | 3.9099% | 1,329 |
| Noninterest income to average assets | 0.1579% | 4,502 |
| Noninterest expense to average assets | 3.2285% | 1,024 |
| Loan and lease loss provision to assets | 0.1062% | 2,990 |
| Net operating income to assets | 0.5568% | 3,890 |
| Return on assets (ROA) | 0.5568% | 3,980 |
| Pretax return on assets | 0.5568% | 4,182 |
| Return on Equity (ROE) | 5.0578% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.0578% | 2,530 |
| Net charge-offs to loans | -0.0191% | 4,403 |
| Credit loss provision to net charge-offs | -722.2222% | 3,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9707% | 675 |
| Assets per employee ($millions) | 5.7276% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 2,744 |
| Loan loss allowance to noncurrent loans | 321.4286% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 1.5713% | 526 |
| Noncurrent loans to loans | 0.3691% | 2,962 |
| Net loans and leases to total assets | 69.8024% | 1,982 |
| Net loans and leases to deposits | 89.0780% | 1,360 |
| Net loans and leases to core deposits | 122.4602% | 366 |
| Total domestic deposits to total assets | 78.3609% | 4,144 |
| Equity capital to assets | 10.7142% | 2,610 |
| Core capital (leverage) ratio | 10.7971% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3504% | 864 |
| Memoranda: | ||
| Average total assets | $81,894,750 | 4,229 |
| Average earning assets | $78,192,000 | 4,196 |
| Average equity | $9,015,500 | 4,319 |
| Average total loans | $62,830,000 | 3,888 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 790 |
| Cost of funding earning assets | 1.0923% | 730 |
| Net interest margin | 3.9334% | 1,485 |
| Noninterest income to average assets | 0.1663% | 4,459 |
| Noninterest expense to average assets | 3.3319% | 947 |
| Loan and lease loss provision to assets | 0.0869% | 3,194 |
| Net operating income to assets | 0.5561% | 3,867 |
| Return on assets (ROA) | 0.5561% | 3,948 |
| Pretax return on assets | 0.5561% | 4,144 |
| Return on Equity (ROE) | 5.0043% | 3,827 |
| Retained earnings to average equity (ytd only) | 5.0043% | 2,471 |
| Net charge-offs to loans | -0.0220% | 4,432 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8226% | 651 |
| Assets per employee ($millions) | 5.2841% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,210 |
| Loan loss allowance to noncurrent loans | 307.1429% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 1.5968% | 559 |
| Noncurrent loans to loans | 0.3496% | 3,144 |
| Net loans and leases to total assets | 74.9616% | 1,285 |
| Net loans and leases to deposits | 95.9385% | 797 |
| Net loans and leases to core deposits | 131.9365% | 240 |
| Total domestic deposits to total assets | 78.1350% | 4,175 |
| Equity capital to assets | 10.7480% | 2,528 |
| Core capital (leverage) ratio | 11.2937% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1661% | 1,021 |
| Memoranda: | ||
| Average total assets | $80,555,000 | 4,246 |
| Average earning assets | $77,999,000 | 4,198 |
| Average equity | $8,952,333 | 4,344 |
| Average total loans | $63,543,333 | 3,883 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0492% | 881 |
| Cost of funding earning assets | 1.2676% | 623 |
| Net interest margin | 3.7816% | 2,046 |
| Noninterest income to average assets | 0.1629% | 4,556 |
| Noninterest expense to average assets | 3.5234% | 901 |
| Loan and lease loss provision to assets | 0.0764% | 2,770 |
| Net operating income to assets | 0.2240% | 4,488 |
| Return on assets (ROA) | 0.2240% | 4,508 |
| Pretax return on assets | 0.2240% | 4,544 |
| Return on Equity (ROE) | 1.9809% | 4,448 |
| Retained earnings to average equity (ytd only) | 1.9809% | 3,449 |
| Net charge-offs to loans | -0.0442% | 4,591 |
| Credit loss provision to net charge-offs | -214.2857% | 3,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1438% | 425 |
| Assets per employee ($millions) | 4.5099% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0612% | 3,401 |
| Loan loss allowance to noncurrent loans | 298.2143% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 1.7608% | 533 |
| Noncurrent loans to loans | 0.3559% | 3,219 |
| Net loans and leases to total assets | 81.2321% | 536 |
| Net loans and leases to deposits | 99.9406% | 563 |
| Net loans and leases to core deposits | 143.8813% | 143 |
| Total domestic deposits to total assets | 81.2803% | 3,607 |
| Equity capital to assets | 11.6176% | 2,349 |
| Core capital (leverage) ratio | 11.5194% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8661% | 1,163 |
| Memoranda: | ||
| Average total assets | $78,559,500 | 4,282 |
| Average earning assets | $76,052,000 | 4,226 |
| Average equity | $8,885,000 | 4,380 |
| Average total loans | $63,282,500 | 3,902 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5304% | 533 |
| Cost of funding earning assets | 1.6128% | 282 |
| Net interest margin | 3.9176% | 2,110 |
| Noninterest income to average assets | 0.1932% | 4,505 |
| Noninterest expense to average assets | 3.4728% | 1,002 |
| Loan and lease loss provision to assets | 0.0550% | 2,926 |
| Net operating income to assets | 0.4524% | 4,502 |
| Return on assets (ROA) | 0.4524% | 4,535 |
| Pretax return on assets | 0.4524% | 4,640 |
| Return on Equity (ROE) | 4.2705% | 4,404 |
| Retained earnings to average equity (ytd only) | 4.2705% | 2,823 |
| Net charge-offs to loans | -0.0365% | 4,755 |
| Credit loss provision to net charge-offs | -187.5000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2504% | 479 |
| Assets per employee ($millions) | 4.4695% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 3,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3996% | 754 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 78.2737% | 1,036 |
| Net loans and leases to deposits | 96.9755% | 842 |
| Net loans and leases to core deposits | 134.1314% | 228 |
| Total domestic deposits to total assets | 80.7150% | 3,829 |
| Equity capital to assets | 11.0166% | 2,978 |
| Core capital (leverage) ratio | 11.0781% | 2,426 |
| Tier 1 risk-based capital ratio | 16.1072% | 2,369 |
| Total risk-based capital ratio | 17.2812% | 2,339 |
| Memoranda: | ||
| Average total assets | $81,777,400 | 4,259 |
| Average earning assets | $79,054,000 | 4,200 |
| Average equity | $8,664,000 | 4,424 |
| Average total loans | $65,831,800 | 3,862 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5263% | 562 |
| Cost of funding earning assets | 1.6623% | 232 |
| Net interest margin | 3.8640% | 2,389 |
| Noninterest income to average assets | 0.1949% | 4,552 |
| Noninterest expense to average assets | 3.4652% | 990 |
| Loan and lease loss provision to assets | 0.0487% | 2,922 |
| Net operating income to assets | 0.4141% | 4,695 |
| Return on assets (ROA) | 0.4141% | 4,719 |
| Pretax return on assets | 0.4141% | 4,792 |
| Return on Equity (ROE) | 3.9468% | 4,604 |
| Retained earnings to average equity (ytd only) | 3.9468% | 3,426 |
| Net charge-offs to loans | -0.0362% | 4,759 |
| Credit loss provision to net charge-offs | -166.6667% | 4,142 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2183% | 384 |
| Assets per employee ($millions) | 4.2850% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 3,861 |
| Loan loss allowance to noncurrent loans | 192.0000% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 1.7822% | 560 |
| Noncurrent loans to loans | 0.4905% | 2,824 |
| Net loans and leases to total assets | 80.6203% | 759 |
| Net loans and leases to deposits | 97.7920% | 840 |
| Net loans and leases to core deposits | 130.7458% | 285 |
| Total domestic deposits to total assets | 82.4406% | 3,339 |
| Equity capital to assets | 10.7449% | 3,338 |
| Core capital (leverage) ratio | 10.7106% | 2,929 |
| Tier 1 risk-based capital ratio | 15.3814% | 2,676 |
| Total risk-based capital ratio | 16.4785% | 2,676 |
| Memoranda: | ||
| Average total assets | $82,109,000 | 4,309 |
| Average earning assets | $79,328,000 | 4,251 |
| Average equity | $8,614,250 | 4,480 |
| Average total loans | $66,385,250 | 3,889 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5182% | 549 |
| Cost of funding earning assets | 1.6960% | 186 |
| Net interest margin | 3.8222% | 2,511 |
| Noninterest income to average assets | 0.1992% | 4,563 |
| Noninterest expense to average assets | 3.4637% | 1,003 |
| Loan and lease loss provision to assets | 0.0364% | 3,087 |
| Net operating income to assets | 0.3886% | 4,753 |
| Return on assets (ROA) | 0.3886% | 4,772 |
| Pretax return on assets | 0.3886% | 4,842 |
| Return on Equity (ROE) | 3.7341% | 4,642 |
| Retained earnings to average equity (ytd only) | 3.7341% | 3,390 |
| Net charge-offs to loans | -0.0331% | 4,714 |
| Credit loss provision to net charge-offs | -136.3636% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0693% | 386 |
| Assets per employee ($millions) | 4.3812% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 4,083 |
| Loan loss allowance to noncurrent loans | 185.5385% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 1.7431% | 592 |
| Noncurrent loans to loans | 0.4860% | 2,825 |
| Net loans and leases to total assets | 79.6067% | 945 |
| Net loans and leases to deposits | 98.7910% | 764 |
| Net loans and leases to core deposits | 132.1798% | 284 |
| Total domestic deposits to total assets | 80.5809% | 3,920 |
| Equity capital to assets | 10.3949% | 3,609 |
| Core capital (leverage) ratio | 10.4335% | 3,159 |
| Tier 1 risk-based capital ratio | 14.5909% | 3,022 |
| Total risk-based capital ratio | 15.6077% | 3,056 |
| Memoranda: | ||
| Average total assets | $82,340,330 | 4,340 |
| Average earning assets | $79,482,670 | 4,273 |
| Average equity | $8,569,670 | 4,505 |
| Average total loans | $66,426,670 | 3,918 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5071% | 520 |
| Cost of funding earning assets | 1.6937% | 162 |
| Net interest margin | 3.8134% | 2,478 |
| Noninterest income to average assets | 0.1905% | 4,612 |
| Noninterest expense to average assets | 3.5170% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3468% | 4,841 |
| Return on assets (ROA) | 0.3468% | 4,848 |
| Pretax return on assets | 0.3468% | 4,907 |
| Return on Equity (ROE) | 3.3302% | 4,715 |
| Retained earnings to average equity (ytd only) | 3.3302% | 3,587 |
| Net charge-offs to loans | -0.0242% | 4,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0240% | 355 |
| Assets per employee ($millions) | 4.4023% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8617% | 4,293 |
| Loan loss allowance to noncurrent loans | 178.7692% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 1.7348% | 633 |
| Noncurrent loans to loans | 0.4820% | 2,865 |
| Net loans and leases to total assets | 79.9134% | 846 |
| Net loans and leases to deposits | 103.5219% | 418 |
| Net loans and leases to core deposits | 140.3448% | 183 |
| Total domestic deposits to total assets | 77.1947% | 4,634 |
| Equity capital to assets | 10.2388% | 3,585 |
| Core capital (leverage) ratio | 10.3899% | 3,174 |
| Tier 1 risk-based capital ratio | 14.2895% | 3,197 |
| Total risk-based capital ratio | 15.2590% | 3,251 |
| Memoranda: | ||
| Average total assets | $81,889,000 | 4,387 |
| Average earning assets | $78,880,500 | 4,326 |
| Average equity | $8,528,000 | 4,536 |
| Average total loans | $66,205,000 | 3,960 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 324 |
| Cost of funding earning assets | 1.2483% | 273 |
| Net interest margin | 4.3699% | 1,002 |
| Noninterest income to average assets | 0.2762% | 4,254 |
| Noninterest expense to average assets | 3.9362% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5342% | 4,586 |
| Return on assets (ROA) | 0.5342% | 4,580 |
| Pretax return on assets | 0.5342% | 4,746 |
| Return on Equity (ROE) | 4.6189% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.6189% | 2,988 |
| Net charge-offs to loans | 0.3986% | 467 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1.6368% | 3,605 |
| Efficiency ratio | 88.0499% | 433 |
| Assets per employee ($millions) | 4.2176% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 4,216 |
| Loan loss allowance to noncurrent loans | 177.5385% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 1.8107% | 569 |
| Noncurrent loans to loans | 0.5001% | 2,775 |
| Net loans and leases to total assets | 80.3769% | 884 |
| Net loans and leases to deposits | 105.2795% | 402 |
| Net loans and leases to core deposits | 139.1896% | 207 |
| Total domestic deposits to total assets | 76.3462% | 4,713 |
| Equity capital to assets | 10.5971% | 3,085 |
| Core capital (leverage) ratio | 10.8607% | 2,667 |
| Tier 1 risk-based capital ratio | 14.2560% | 3,180 |
| Total risk-based capital ratio | 15.2229% | 3,225 |
| Memoranda: | ||
| Average total assets | $71,693,000 | 4,556 |
| Average earning assets | $68,811,000 | 4,514 |
| Average equity | $8,292,000 | 4,555 |
| Average total loans | $58,698,800 | 4,126 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5852% | 304 |
| Cost of funding earning assets | 1.1486% | 327 |
| Net interest margin | 4.4366% | 835 |
| Noninterest income to average assets | 0.3104% | 4,069 |
| Noninterest expense to average assets | 4.0833% | 470 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4829% | 4,793 |
| Return on assets (ROA) | 0.4829% | 4,798 |
| Pretax return on assets | 0.4829% | 4,925 |
| Return on Equity (ROE) | 4.0766% | 4,804 |
| Retained earnings to average equity (ytd only) | 4.0766% | 3,737 |
| Net charge-offs to loans | 0.4971% | 318 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 1.1831% | 3,370 |
| Efficiency ratio | 89.4251% | 344 |
| Assets per employee ($millions) | 3.9317% | 3,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 3,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5073% | 847 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 81.2937% | 831 |
| Net loans and leases to deposits | 105.5735% | 461 |
| Net loans and leases to core deposits | 142.5239% | 191 |
| Total domestic deposits to total assets | 77.0020% | 4,643 |
| Equity capital to assets | 11.1938% | 2,478 |
| Core capital (leverage) ratio | 11.4700% | 2,190 |
| Tier 1 risk-based capital ratio | 14.7244% | 3,005 |
| Total risk-based capital ratio | 15.7774% | 3,023 |
| Memoranda: | ||
| Average total assets | $69,582,500 | 4,633 |
| Average earning assets | $66,746,250 | 4,594 |
| Average equity | $8,242,000 | 4,615 |
| Average total loans | $57,126,750 | 4,203 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5894% | 280 |
| Cost of funding earning assets | 1.0434% | 375 |
| Net interest margin | 4.5460% | 630 |
| Noninterest income to average assets | 0.2947% | 4,210 |
| Noninterest expense to average assets | 4.1576% | 435 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4891% | 4,771 |
| Return on assets (ROA) | 0.4891% | 4,774 |
| Pretax return on assets | 0.4891% | 4,923 |
| Return on Equity (ROE) | 4.0478% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.0478% | 3,587 |
| Net charge-offs to loans | 0.0502% | 1,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.8571% | 2,238 |
| Efficiency ratio | 89.4737% | 390 |
| Assets per employee ($millions) | 4.1801% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 1,887 |
| Loan loss allowance to noncurrent loans | 248.2866% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 2.0363% | 525 |
| Noncurrent loans to loans | 0.5488% | 2,771 |
| Net loans and leases to total assets | 81.1866% | 827 |
| Net loans and leases to deposits | 108.4885% | 334 |
| Net loans and leases to core deposits | 136.9543% | 225 |
| Total domestic deposits to total assets | 74.8343% | 4,964 |
| Equity capital to assets | 11.6449% | 2,092 |
| Core capital (leverage) ratio | 11.9317% | 1,762 |
| Tier 1 risk-based capital ratio | 15.2521% | 2,756 |
| Total risk-based capital ratio | 16.5035% | 2,683 |
| Memoranda: | ||
| Average total assets | $67,876,000 | 4,717 |
| Average earning assets | $64,980,000 | 4,679 |
| Average equity | $8,202,000 | 4,661 |
| Average total loans | $55,727,000 | 4,265 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7638% | 197 |
| Cost of funding earning assets | 0.9101% | 564 |
| Net interest margin | 4.8537% | 306 |
| Noninterest income to average assets | 0.3319% | 3,931 |
| Noninterest expense to average assets | 4.2967% | 355 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6698% | 4,212 |
| Return on assets (ROA) | 0.6698% | 4,214 |
| Pretax return on assets | 0.6698% | 4,522 |
| Return on Equity (ROE) | 5.4375% | 4,339 |
| Retained earnings to average equity (ytd only) | 5.4375% | 2,982 |
| Net charge-offs to loans | -0.0147% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5128% | 614 |
| Assets per employee ($millions) | 3.5197% | 4,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4790% | 1,537 |
| Loan loss allowance to noncurrent loans | 253.2710% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 2.2430% | 451 |
| Noncurrent loans to loans | 0.5840% | 2,789 |
| Net loans and leases to total assets | 80.9807% | 793 |
| Net loans and leases to deposits | 114.4587% | 170 |
| Net loans and leases to core deposits | 130.3087% | 337 |
| Total domestic deposits to total assets | 70.7510% | 5,339 |
| Equity capital to assets | 12.2933% | 1,607 |
| Core capital (leverage) ratio | 12.4555% | 1,411 |
| Tier 1 risk-based capital ratio | 16.3190% | 2,349 |
| Total risk-based capital ratio | 17.5735% | 2,296 |
| Memoranda: | ||
| Average total assets | $66,283,500 | 4,806 |
| Average earning assets | $63,291,500 | 4,767 |
| Average equity | $8,165,500 | 4,718 |
| Average total loans | $54,346,000 | 4,339 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0600% | 575 |
| Cost of funding earning assets | 0.6186% | 1,480 |
| Net interest margin | 4.4414% | 698 |
| Noninterest income to average assets | 0.0951% | 5,425 |
| Noninterest expense to average assets | 4.0347% | 508 |
| Loan and lease loss provision to assets | -0.2338% | 5,593 |
| Net operating income to assets | 0.5345% | 4,280 |
| Return on assets (ROA) | 0.5345% | 4,313 |
| Pretax return on assets | 0.5345% | 4,875 |
| Return on Equity (ROE) | 4.4678% | 4,360 |
| Retained earnings to average equity (ytd only) | 4.4678% | 2,470 |
| Net charge-offs to loans | -0.0561% | 5,222 |
| Credit loss provision to net charge-offs | 517.2414% | 601 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0625% | 320 |
| Assets per employee ($millions) | 3.6496% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 1,377 |
| Loan loss allowance to noncurrent loans | 252.6480% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 2.2833% | 435 |
| Noncurrent loans to loans | 0.5975% | 2,735 |
| Net loans and leases to total assets | 80.5459% | 889 |
| Net loans and leases to deposits | 123.0134% | 82 |
| Net loans and leases to core deposits | 143.1513% | 185 |
| Total domestic deposits to total assets | 65.4773% | 5,528 |
| Equity capital to assets | 12.3453% | 1,615 |
| Core capital (leverage) ratio | 12.7556% | 1,235 |
| Tier 1 risk-based capital ratio | 16.7068% | 2,195 |
| Total risk-based capital ratio | 17.9614% | 2,141 |
| Memoranda: | ||
| Average total assets | $64,168,000 | 4,875 |
| Average earning assets | $61,264,600 | 4,835 |
| Average equity | $7,677,200 | 4,829 |
| Average total loans | $51,661,600 | 4,416 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0338% | 572 |
| Cost of funding earning assets | 0.5950% | 1,562 |
| Net interest margin | 4.4387% | 679 |
| Noninterest income to average assets | 0.1839% | 5,097 |
| Noninterest expense to average assets | 4.0174% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4076% | 4,985 |
| Return on assets (ROA) | 0.4076% | 5,017 |
| Pretax return on assets | 0.4076% | 5,174 |
| Return on Equity (ROE) | 3.4349% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.4349% | 3,882 |
| Net charge-offs to loans | -0.0547% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7889% | 379 |
| Assets per employee ($millions) | 3.4911% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8859% | 720 |
| Loan loss allowance to noncurrent loans | 90.2462% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 3.7603% | 181 |
| Noncurrent loans to loans | 2.0897% | 797 |
| Net loans and leases to total assets | 78.8988% | 1,134 |
| Net loans and leases to deposits | 116.7742% | 143 |
| Net loans and leases to core deposits | 135.2206% | 265 |
| Total domestic deposits to total assets | 67.5652% | 5,551 |
| Equity capital to assets | 12.2167% | 1,828 |
| Core capital (leverage) ratio | 12.0987% | 1,627 |
| Tier 1 risk-based capital ratio | 16.9171% | 2,176 |
| Total risk-based capital ratio | 18.1776% | 2,134 |
| Memoranda: | ||
| Average total assets | $63,786,750 | 4,936 |
| Average earning assets | $60,947,000 | 4,892 |
| Average equity | $7,569,000 | 4,896 |
| Average total loans | $51,146,000 | 4,471 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8841% | 724 |
| Cost of funding earning assets | 0.5750% | 1,610 |
| Net interest margin | 4.3091% | 834 |
| Noninterest income to average assets | 0.1716% | 5,193 |
| Noninterest expense to average assets | 3.9655% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3214% | 5,170 |
| Return on assets (ROA) | 0.3214% | 5,190 |
| Pretax return on assets | 0.3214% | 5,309 |
| Return on Equity (ROE) | 2.7346% | 5,188 |
| Retained earnings to average equity (ytd only) | 2.7346% | 4,070 |
| Net charge-offs to loans | -0.0545% | 5,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5036% | 346 |
| Assets per employee ($millions) | 3.7155% | 4,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 764 |
| Loan loss allowance to noncurrent loans | 80.1695% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 3.9374% | 176 |
| Noncurrent loans to loans | 2.3324% | 676 |
| Net loans and leases to total assets | 78.5982% | 1,152 |
| Net loans and leases to deposits | 107.1367% | 349 |
| Net loans and leases to core deposits | 123.1886% | 459 |
| Total domestic deposits to total assets | 73.3626% | 5,346 |
| Equity capital to assets | 12.0086% | 1,917 |
| Core capital (leverage) ratio | 11.9713% | 1,644 |
| Tier 1 risk-based capital ratio | 16.5752% | 2,288 |
| Total risk-based capital ratio | 17.8361% | 2,237 |
| Memoranda: | ||
| Average total assets | $64,102,330 | 4,969 |
| Average earning assets | $61,219,670 | 4,916 |
| Average equity | $7,533,000 | 4,925 |
| Average total loans | $51,350,330 | 4,483 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 588 |
| Cost of funding earning assets | 0.5572% | 1,676 |
| Net interest margin | 4.3734% | 668 |
| Noninterest income to average assets | 0.1177% | 5,520 |
| Noninterest expense to average assets | 3.9893% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3097% | 5,167 |
| Return on assets (ROA) | 0.3097% | 5,191 |
| Pretax return on assets | 0.3097% | 5,304 |
| Return on Equity (ROE) | 2.6642% | 5,190 |
| Retained earnings to average equity (ytd only) | 2.6642% | 4,076 |
| Net charge-offs to loans | -0.0541% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7954% | 420 |
| Assets per employee ($millions) | 3.8654% | 4,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7904% | 971 |
| Loan loss allowance to noncurrent loans | 78.2500% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 3.8151% | 205 |
| Noncurrent loans to loans | 2.2880% | 724 |
| Net loans and leases to total assets | 78.3845% | 1,076 |
| Net loans and leases to deposits | 102.1619% | 491 |
| Net loans and leases to core deposits | 112.2448% | 761 |
| Total domestic deposits to total assets | 76.7257% | 5,147 |
| Equity capital to assets | 11.4621% | 2,207 |
| Core capital (leverage) ratio | 11.6326% | 1,859 |
| Tier 1 risk-based capital ratio | 16.2815% | 2,446 |
| Total risk-based capital ratio | 17.5418% | 2,383 |
| Memoranda: | ||
| Average total assets | $64,572,000 | 5,020 |
| Average earning assets | $61,737,000 | 4,957 |
| Average equity | $7,507,000 | 4,970 |
| Average total loans | $51,730,000 | 4,513 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9147% | 722 |
| Cost of funding earning assets | 0.5959% | 1,367 |
| Net interest margin | 4.3188% | 905 |
| Noninterest income to average assets | 0.7774% | 1,842 |
| Noninterest expense to average assets | 4.0543% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7995% | 3,308 |
| Return on assets (ROA) | 0.7995% | 3,410 |
| Pretax return on assets | 0.7995% | 4,187 |
| Return on Equity (ROE) | 7.4091% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.4091% | 1,076 |
| Net charge-offs to loans | 0.4624% | 547 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 2.2691% | 3,854 |
| Efficiency ratio | 83.5286% | 1,057 |
| Assets per employee ($millions) | 3.7313% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8270% | 902 |
| Loan loss allowance to noncurrent loans | 40.7877% | 4,874 |
| Noncurrent assets plus other real estate owned to assets | 5.9229% | 87 |
| Noncurrent loans to loans | 4.4793% | 206 |
| Net loans and leases to total assets | 78.9523% | 1,050 |
| Net loans and leases to deposits | 109.6056% | 236 |
| Net loans and leases to core deposits | 110.9754% | 832 |
| Total domestic deposits to total assets | 72.0330% | 5,560 |
| Equity capital to assets | 11.7953% | 1,938 |
| Core capital (leverage) ratio | 11.6381% | 1,835 |
| Tier 1 risk-based capital ratio | 16.0012% | 2,545 |
| Total risk-based capital ratio | 17.2587% | 2,479 |
| Memoranda: | ||
| Average total assets | $63,291,600 | 5,068 |
| Average earning assets | $59,739,000 | 5,026 |
| Average equity | $6,829,400 | 5,125 |
| Average total loans | $48,226,400 | 4,628 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 766 |
| Cost of funding earning assets | 0.6063% | 1,275 |
| Net interest margin | 4.2690% | 988 |
| Noninterest income to average assets | 1.3293% | 664 |
| Noninterest expense to average assets | 3.9313% | 644 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.4049% | 1,062 |
| Return on assets (ROA) | 1.4049% | 1,112 |
| Pretax return on assets | 1.4049% | 2,021 |
| Return on Equity (ROE) | 12.9305% | 1,080 |
| Retained earnings to average equity (ytd only) | 12.9305% | 224 |
| Net charge-offs to loans | 0.6676% | 294 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.8109% | 3,517 |
| Efficiency ratio | 73.6718% | 2,349 |
| Assets per employee ($millions) | 4.3726% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8041% | 1,007 |
| Loan loss allowance to noncurrent loans | 57.6367% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 6.3928% | 90 |
| Noncurrent loans to loans | 3.1302% | 462 |
| Net loans and leases to total assets | 76.0966% | 1,511 |
| Net loans and leases to deposits | 98.3972% | 819 |
| Net loans and leases to core deposits | 100.4994% | 1,585 |
| Total domestic deposits to total assets | 77.3361% | 5,026 |
| Equity capital to assets | 11.6559% | 2,395 |
| Core capital (leverage) ratio | 11.8981% | 1,742 |
| Tier 1 risk-based capital ratio | 16.0179% | 2,618 |
| Total risk-based capital ratio | 17.2750% | 2,558 |
| Memoranda: | ||
| Average total assets | $63,488,750 | 5,109 |
| Average earning assets | $59,591,500 | 5,075 |
| Average equity | $6,898,250 | 5,166 |
| Average total loans | $47,529,750 | 4,681 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 717 |
| Cost of funding earning assets | 0.6206% | 1,191 |
| Net interest margin | 4.2835% | 956 |
| Noninterest income to average assets | 1.9080% | 359 |
| Noninterest expense to average assets | 3.9625% | 621 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.9685% | 351 |
| Return on assets (ROA) | 1.9685% | 369 |
| Pretax return on assets | 1.9685% | 605 |
| Return on Equity (ROE) | 18.5883% | 319 |
| Retained earnings to average equity (ytd only) | 18.5883% | 74 |
| Net charge-offs to loans | 1.0510% | 168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.5328% | 3,258 |
| Efficiency ratio | 66.8099% | 3,564 |
| Assets per employee ($millions) | 3.9149% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 861 |
| Loan loss allowance to noncurrent loans | 56.4867% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 6.7450% | 87 |
| Noncurrent loans to loans | 3.4009% | 391 |
| Net loans and leases to total assets | 74.1710% | 1,806 |
| Net loans and leases to deposits | 94.8067% | 1,207 |
| Net loans and leases to core deposits | 97.7591% | 1,824 |
| Total domestic deposits to total assets | 78.2340% | 4,949 |
| Equity capital to assets | 11.8041% | 2,265 |
| Core capital (leverage) ratio | 12.0920% | 1,563 |
| Tier 1 risk-based capital ratio | 16.5960% | 2,391 |
| Total risk-based capital ratio | 17.8551% | 2,336 |
| Memoranda: | ||
| Average total assets | $62,788,670 | 5,179 |
| Average earning assets | $58,971,000 | 5,139 |
| Average equity | $6,649,330 | 5,260 |
| Average total loans | $46,430,330 | 4,759 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4551% | 1,642 |
| Cost of funding earning assets | 0.6210% | 1,213 |
| Net interest margin | 3.8340% | 2,156 |
| Noninterest income to average assets | 0.4009% | 3,822 |
| Noninterest expense to average assets | 4.0023% | 599 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0127% | 5,774 |
| Return on assets (ROA) | 0.0127% | 5,802 |
| Pretax return on assets | 0.0127% | 5,798 |
| Return on Equity (ROE) | 0.1274% | 5,802 |
| Retained earnings to average equity (ytd only) | 0.1274% | 5,078 |
| Net charge-offs to loans | -0.0609% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6830% | 300 |
| Assets per employee ($millions) | 3.6616% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5669% | 365 |
| Loan loss allowance to noncurrent loans | 39.0457% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 7.8091% | 76 |
| Noncurrent loans to loans | 6.5742% | 117 |
| Net loans and leases to total assets | 70.8553% | 2,209 |
| Net loans and leases to deposits | 86.2153% | 2,040 |
| Net loans and leases to core deposits | 90.7158% | 2,306 |
| Total domestic deposits to total assets | 82.1842% | 4,160 |
| Equity capital to assets | 10.8887% | 3,055 |
| Core capital (leverage) ratio | 11.2575% | 2,182 |
| Tier 1 risk-based capital ratio | 16.3172% | 2,553 |
| Total risk-based capital ratio | 17.5859% | 2,499 |
| Memoranda: | ||
| Average total assets | $62,863,500 | 5,225 |
| Average earning assets | $59,258,500 | 5,176 |
| Average equity | $6,277,000 | 5,368 |
| Average total loans | $45,960,500 | 4,808 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4808% | 1,658 |
| Cost of funding earning assets | 0.6483% | 1,086 |
| Net interest margin | 3.8325% | 2,266 |
| Noninterest income to average assets | 0.1529% | 5,652 |
| Noninterest expense to average assets | 4.1445% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.3678% | 6,010 |
| Return on assets (ROA) | -0.3678% | 6,017 |
| Pretax return on assets | -0.3678% | 6,003 |
| Return on Equity (ROE) | -3.9602% | 6,030 |
| Retained earnings to average equity (ytd only) | -3.9602% | 5,872 |
| Net charge-offs to loans | 0.8903% | 239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.5385% | 4,309 |
| Efficiency ratio | 109.7386% | 145 |
| Assets per employee ($millions) | 3.7341% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4757% | 411 |
| Loan loss allowance to noncurrent loans | 36.4009% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 7.7916% | 82 |
| Noncurrent loans to loans | 6.8013% | 111 |
| Net loans and leases to total assets | 71.6741% | 2,111 |
| Net loans and leases to deposits | 83.8287% | 2,381 |
| Net loans and leases to core deposits | 89.3046% | 2,467 |
| Total domestic deposits to total assets | 85.5007% | 2,860 |
| Equity capital to assets | 9.0991% | 5,020 |
| Core capital (leverage) ratio | 9.3389% | 4,411 |
| Tier 1 risk-based capital ratio | 13.3946% | 4,057 |
| Total risk-based capital ratio | 14.6607% | 3,992 |
| Memoranda: | ||
| Average total assets | $62,805,600 | 5,245 |
| Average earning assets | $59,386,800 | 5,200 |
| Average equity | $5,833,000 | 5,475 |
| Average total loans | $48,185,000 | 4,721 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 1,622 |
| Cost of funding earning assets | 0.6474% | 1,107 |
| Net interest margin | 3.8418% | 2,231 |
| Noninterest income to average assets | 0.2874% | 4,890 |
| Noninterest expense to average assets | 4.2040% | 536 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2788% | 6,082 |
| Return on assets (ROA) | -0.2788% | 6,093 |
| Pretax return on assets | -0.2788% | 6,081 |
| Return on Equity (ROE) | -2.9870% | 6,102 |
| Retained earnings to average equity (ytd only) | -2.9870% | 5,934 |
| Net charge-offs to loans | 0.0824% | 2,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -4.3665% | 4,119 |
| Efficiency ratio | 107.1041% | 180 |
| Assets per employee ($millions) | 3.7705% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1094% | 218 |
| Loan loss allowance to noncurrent loans | 29.0739% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 10.4106% | 54 |
| Noncurrent loans to loans | 10.6949% | 37 |
| Net loans and leases to total assets | 75.5453% | 1,451 |
| Net loans and leases to deposits | 89.9220% | 1,661 |
| Net loans and leases to core deposits | 91.9855% | 2,267 |
| Total domestic deposits to total assets | 84.0120% | 3,419 |
| Equity capital to assets | 9.1672% | 5,150 |
| Core capital (leverage) ratio | 9.2829% | 4,606 |
| Tier 1 risk-based capital ratio | 12.9619% | 4,443 |
| Total risk-based capital ratio | 14.2391% | 4,358 |
| Memoranda: | ||
| Average total assets | $62,637,250 | 5,322 |
| Average earning assets | $59,310,500 | 5,267 |
| Average equity | $5,847,250 | 5,538 |
| Average total loans | $48,568,000 | 4,765 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 1,631 |
| Cost of funding earning assets | 0.6608% | 1,045 |
| Net interest margin | 3.8080% | 2,278 |
| Noninterest income to average assets | 0.2124% | 5,422 |
| Noninterest expense to average assets | 4.2639% | 510 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4537% | 6,176 |
| Return on assets (ROA) | -0.4537% | 6,189 |
| Pretax return on assets | -0.4537% | 6,178 |
| Return on Equity (ROE) | -4.8307% | 6,191 |
| Retained earnings to average equity (ytd only) | -4.8307% | 6,012 |
| Net charge-offs to loans | -0.3825% | 6,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9088% | 155 |
| Assets per employee ($millions) | 3.7108% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4152% | 171 |
| Loan loss allowance to noncurrent loans | 33.5133% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 10.4545% | 59 |
| Noncurrent loans to loans | 10.1905% | 50 |
| Net loans and leases to total assets | 75.1375% | 1,486 |
| Net loans and leases to deposits | 89.7623% | 1,627 |
| Net loans and leases to core deposits | 92.3165% | 2,125 |
| Total domestic deposits to total assets | 83.7072% | 3,687 |
| Equity capital to assets | 9.2989% | 4,895 |
| Core capital (leverage) ratio | 9.3985% | 4,421 |
| Tier 1 risk-based capital ratio | 13.2959% | 4,349 |
| Total risk-based capital ratio | 14.5765% | 4,256 |
| Memoranda: | ||
| Average total assets | $62,150,330 | 5,389 |
| Average earning assets | $58,718,000 | 5,339 |
| Average equity | $5,837,670 | 5,593 |
| Average total loans | $48,098,330 | 4,819 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 1,741 |
| Cost of funding earning assets | 0.6670% | 1,012 |
| Net interest margin | 3.7405% | 2,465 |
| Noninterest income to average assets | 0.2334% | 5,294 |
| Noninterest expense to average assets | 4.5198% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7587% | 6,288 |
| Return on assets (ROA) | -0.7587% | 6,295 |
| Pretax return on assets | -0.7587% | 6,283 |
| Return on Equity (ROE) | -8.0364% | 6,303 |
| Retained earnings to average equity (ytd only) | -8.0364% | 6,081 |
| Net charge-offs to loans | -0.4873% | 6,236 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.1724% | 129 |
| Assets per employee ($millions) | 3.6675% | 4,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3741% | 204 |
| Loan loss allowance to noncurrent loans | 31.6753% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 11.0703% | 59 |
| Noncurrent loans to loans | 10.6522% | 52 |
| Net loans and leases to total assets | 75.4663% | 1,281 |
| Net loans and leases to deposits | 89.3164% | 1,459 |
| Net loans and leases to core deposits | 91.8642% | 1,955 |
| Total domestic deposits to total assets | 84.4932% | 3,617 |
| Equity capital to assets | 9.2466% | 5,032 |
| Core capital (leverage) ratio | 9.3134% | 4,549 |
| Tier 1 risk-based capital ratio | 12.9112% | 4,656 |
| Total risk-based capital ratio | 14.1923% | 4,552 |
| Memoranda: | ||
| Average total assets | $61,684,000 | 5,460 |
| Average earning assets | $58,174,000 | 5,411 |
| Average equity | $5,823,500 | 5,649 |
| Average total loans | $47,610,000 | 4,864 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5916% | 1,586 |
| Cost of funding earning assets | 0.7334% | 934 |
| Net interest margin | 3.8582% | 2,400 |
| Noninterest income to average assets | -0.2107% | 6,475 |
| Noninterest expense to average assets | 4.5332% | 446 |
| Loan and lease loss provision to assets | -0.1951% | 6,286 |
| Net operating income to assets | -1.0190% | 6,383 |
| Return on assets (ROA) | -1.0190% | 6,382 |
| Pretax return on assets | -1.0190% | 6,376 |
| Return on Equity (ROE) | -12.0382% | 6,386 |
| Retained earnings to average equity (ytd only) | -12.0382% | 6,348 |
| Net charge-offs to loans | 0.3519% | 1,243 |
| Credit loss provision to net charge-offs | -77.6398% | 5,477 |
| Earnings coverage of net charge-offs (x) | -4.8323% | 4,887 |
| Efficiency ratio | 136.5773% | 77 |
| Assets per employee ($millions) | 3.8138% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4045% | 198 |
| Loan loss allowance to noncurrent loans | 32.1690% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 10.9962% | 73 |
| Noncurrent loans to loans | 10.5833% | 61 |
| Net loans and leases to total assets | 73.6501% | 1,648 |
| Net loans and leases to deposits | 89.0964% | 1,607 |
| Net loans and leases to core deposits | 91.7408% | 2,122 |
| Total domestic deposits to total assets | 82.6633% | 4,194 |
| Equity capital to assets | 9.6393% | 4,542 |
| Core capital (leverage) ratio | 9.4602% | 4,293 |
| Tier 1 risk-based capital ratio | 14.1309% | 4,015 |
| Total risk-based capital ratio | 15.4114% | 3,917 |
| Memoranda: | ||
| Average total assets | $64,083,200 | 5,444 |
| Average earning assets | $58,628,600 | 5,440 |
| Average equity | $5,424,400 | 5,758 |
| Average total loans | $45,745,400 | 4,967 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8354% | 4,419 |
| Cost of funding earning assets | 0.7445% | 916 |
| Net interest margin | 3.0910% | 5,285 |
| Noninterest income to average assets | 0.1213% | 6,157 |
| Noninterest expense to average assets | 5.3785% | 243 |
| Loan and lease loss provision to assets | 0.1336% | 1,872 |
| Net operating income to assets | -2.5823% | 6,548 |
| Return on assets (ROA) | -2.5823% | 6,548 |
| Pretax return on assets | -2.5823% | 6,546 |
| Return on Equity (ROE) | -31.5371% | 6,541 |
| Retained earnings to average equity (ytd only) | -31.5371% | 6,536 |
| Net charge-offs to loans | -0.1054% | 6,156 |
| Credit loss provision to net charge-offs | -180.5556% | 5,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 183.5789% | 25 |
| Assets per employee ($millions) | 3.4289% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2387% | 134 |
| Loan loss allowance to noncurrent loans | 17.6676% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 24.4503% | 7 |
| Noncurrent loans to loans | 23.9914% | 7 |
| Net loans and leases to total assets | 72.1456% | 1,819 |
| Net loans and leases to deposits | 83.9014% | 2,167 |
| Net loans and leases to core deposits | 86.7302% | 2,580 |
| Total domestic deposits to total assets | 85.9886% | 2,847 |
| Equity capital to assets | 8.5514% | 5,760 |
| Core capital (leverage) ratio | 8.6499% | 5,496 |
| Tier 1 risk-based capital ratio | 12.2354% | 5,339 |
| Total risk-based capital ratio | 13.5267% | 5,239 |
| Memoranda: | ||
| Average total assets | $64,848,750 | 5,488 |
| Average earning assets | $58,923,000 | 5,488 |
| Average equity | $5,310,000 | 5,841 |
| Average total loans | $45,550,250 | 5,023 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7582% | 4,660 |
| Cost of funding earning assets | 0.7623% | 872 |
| Net interest margin | 2.9959% | 5,541 |
| Noninterest income to average assets | 0.0425% | 6,460 |
| Noninterest expense to average assets | 5.5212% | 231 |
| Loan and lease loss provision to assets | 0.1973% | 1,235 |
| Net operating income to assets | -2.9564% | 6,625 |
| Return on assets (ROA) | -2.9564% | 6,625 |
| Pretax return on assets | -2.9564% | 6,622 |
| Return on Equity (ROE) | -36.6119% | 6,624 |
| Retained earnings to average equity (ytd only) | -36.6119% | 6,608 |
| Net charge-offs to loans | -0.0486% | 5,861 |
| Credit loss provision to net charge-offs | -590.9091% | 5,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 199.8901% | 20 |
| Assets per employee ($millions) | 3.9642% | 3,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3280% | 143 |
| Loan loss allowance to noncurrent loans | 16.5519% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 24.7718% | 6 |
| Noncurrent loans to loans | 26.1481% | 5 |
| Net loans and leases to total assets | 67.8560% | 2,433 |
| Net loans and leases to deposits | 76.2657% | 3,021 |
| Net loans and leases to core deposits | 78.6761% | 3,354 |
| Total domestic deposits to total assets | 88.9732% | 1,370 |
| Equity capital to assets | 8.7676% | 5,551 |
| Core capital (leverage) ratio | 8.6923% | 5,405 |
| Tier 1 risk-based capital ratio | 13.1684% | 4,807 |
| Total risk-based capital ratio | 14.4589% | 4,714 |
| Memoranda: | ||
| Average total assets | $65,891,330 | 5,510 |
| Average earning assets | $59,816,000 | 5,508 |
| Average equity | $5,320,670 | 5,884 |
| Average total loans | $45,233,670 | 5,066 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8032% | 4,478 |
| Cost of funding earning assets | 0.7567% | 942 |
| Net interest margin | 3.0465% | 5,398 |
| Noninterest income to average assets | -1.0011% | 6,724 |
| Noninterest expense to average assets | 5.7446% | 213 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -3.9867% | 6,701 |
| Return on assets (ROA) | -3.9867% | 6,700 |
| Pretax return on assets | -3.9867% | 6,700 |
| Return on Equity (ROE) | -51.4566% | 6,693 |
| Retained earnings to average equity (ytd only) | -51.4566% | 6,675 |
| Net charge-offs to loans | 0.0265% | 3,040 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -223.0000% | 3,654 |
| Efficiency ratio | 326.7797% | 12 |
| Assets per employee ($millions) | 4.2497% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0689% | 179 |
| Loan loss allowance to noncurrent loans | 15.1395% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 25.4416% | 5 |
| Noncurrent loans to loans | 26.8759% | 6 |
| Net loans and leases to total assets | 69.0522% | 2,048 |
| Net loans and leases to deposits | 76.5783% | 2,746 |
| Net loans and leases to core deposits | 78.9532% | 3,096 |
| Total domestic deposits to total assets | 90.1719% | 986 |
| Equity capital to assets | 7.6334% | 6,259 |
| Core capital (leverage) ratio | 6.9995% | 6,471 |
| Tier 1 risk-based capital ratio | 11.0190% | 6,146 |
| Total risk-based capital ratio | 12.3053% | 6,083 |
| Memoranda: | ||
| Average total assets | $67,123,500 | 5,527 |
| Average earning assets | $60,791,000 | 5,544 |
| Average equity | $5,200,500 | 5,948 |
| Average total loans | $45,357,500 | 5,106 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7922% | 4,843 |
| Cost of funding earning assets | 0.8237% | 1,076 |
| Net interest margin | 2.9685% | 5,648 |
| Noninterest income to average assets | -0.5062% | 6,791 |
| Noninterest expense to average assets | 4.0934% | 779 |
| Loan and lease loss provision to assets | 3.1267% | 16 |
| Net operating income to assets | -5.1446% | 6,800 |
| Return on assets (ROA) | -5.1446% | 6,800 |
| Pretax return on assets | -5.1446% | 6,798 |
| Return on Equity (ROE) | -102.6066% | 6,805 |
| Retained earnings to average equity (ytd only) | -102.6066% | 6,805 |
| Net charge-offs to loans | 7.5883% | 11 |
| Credit loss provision to net charge-offs | 66.9246% | 3,385 |
| Earnings coverage of net charge-offs (x) | -0.4319% | 5,186 |
| Efficiency ratio | 197.2258% | 32 |
| Assets per employee ($millions) | 4.4063% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1713% | 178 |
| Loan loss allowance to noncurrent loans | 16.3949% | 6,218 |
| Noncurrent assets plus other real estate owned to assets | 23.6777% | 9 |
| Noncurrent loans to loans | 25.4428% | 7 |
| Net loans and leases to total assets | 60.9353% | 3,548 |
| Net loans and leases to deposits | 74.7585% | 3,142 |
| Net loans and leases to core deposits | 76.2527% | 3,581 |
| Total domestic deposits to total assets | 81.5095% | 5,033 |
| Equity capital to assets | 7.8510% | 6,115 |
| Core capital (leverage) ratio | 7.8417% | 6,222 |
| Tier 1 risk-based capital ratio | 12.2784% | 5,445 |
| Total risk-based capital ratio | 13.5651% | 5,343 |
| Memoranda: | ||
| Average total assets | $74,680,400 | 5,361 |
| Average earning assets | $64,948,400 | 5,437 |
| Average equity | $3,744,400 | 6,380 |
| Average total loans | $45,978,800 | 5,117 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 5,015 |
| Cost of funding earning assets | 0.8448% | 1,075 |
| Net interest margin | 2.9098% | 5,791 |
| Noninterest income to average assets | -0.7888% | 6,880 |
| Noninterest expense to average assets | 4.0584% | 799 |
| Loan and lease loss provision to assets | 4.1588% | 9 |
| Net operating income to assets | -6.4952% | 6,883 |
| Return on assets (ROA) | -6.4952% | 6,883 |
| Pretax return on assets | -6.4952% | 6,883 |
| Return on Equity (ROE) | -149.1936% | 6,888 |
| Retained earnings to average equity (ytd only) | -149.1936% | 6,888 |
| Net charge-offs to loans | 10.1325% | 5 |
| Credit loss provision to net charge-offs | 67.1786% | 3,127 |
| Earnings coverage of net charge-offs (x) | -0.3774% | 4,938 |
| Efficiency ratio | 235.6851% | 18 |
| Assets per employee ($millions) | 4.1502% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0260% | 232 |
| Loan loss allowance to noncurrent loans | 16.2793% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 23.5865% | 13 |
| Noncurrent loans to loans | 24.7309% | 9 |
| Net loans and leases to total assets | 63.1837% | 3,132 |
| Net loans and leases to deposits | 74.3016% | 3,190 |
| Net loans and leases to core deposits | 76.4421% | 3,570 |
| Total domestic deposits to total assets | 85.0368% | 3,733 |
| Equity capital to assets | 4.3769% | 6,804 |
| Core capital (leverage) ratio | 4.2820% | 6,816 |
| Tier 1 risk-based capital ratio | 6.6911% | 6,813 |
| Total risk-based capital ratio | 7.9760% | 6,814 |
| Memoranda: | ||
| Average total assets | $75,725,250 | 5,387 |
| Average earning assets | $65,340,750 | 5,478 |
| Average equity | $3,296,750 | 6,550 |
| Average total loans | $46,266,000 | 5,148 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7270% | 5,065 |
| Cost of funding earning assets | 0.8741% | 1,012 |
| Net interest margin | 2.8529% | 5,888 |
| Noninterest income to average assets | -1.0071% | 6,927 |
| Noninterest expense to average assets | 3.9303% | 943 |
| Loan and lease loss provision to assets | 4.1782% | 9 |
| Net operating income to assets | -6.6882% | 6,929 |
| Return on assets (ROA) | -6.6882% | 6,929 |
| Pretax return on assets | -6.6882% | 6,931 |
| Return on Equity (ROE) | -153.8768% | 6,937 |
| Retained earnings to average equity (ytd only) | -153.8768% | 6,937 |
| Net charge-offs to loans | 15.1671% | 4 |
| Credit loss provision to net charge-offs | 46.1758% | 3,288 |
| Earnings coverage of net charge-offs (x) | -0.2774% | 4,633 |
| Efficiency ratio | 276.7273% | 14 |
| Assets per employee ($millions) | 4.6909% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4042% | 1,088 |
| Loan loss allowance to noncurrent loans | 10.0797% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 21.7507% | 16 |
| Noncurrent loans to loans | 23.8523% | 9 |
| Net loans and leases to total assets | 61.5482% | 3,379 |
| Net loans and leases to deposits | 72.3901% | 3,400 |
| Net loans and leases to core deposits | 74.3426% | 3,756 |
| Total domestic deposits to total assets | 85.0230% | 3,880 |
| Equity capital to assets | 4.9124% | 6,829 |
| Core capital (leverage) ratio | 4.7265% | 6,844 |
| Tier 1 risk-based capital ratio | 7.7515% | 6,812 |
| Total risk-based capital ratio | 9.0150% | 6,812 |
| Memoranda: | ||
| Average total assets | $77,449,330 | 5,381 |
| Average earning assets | $65,897,330 | 5,499 |
| Average equity | $3,366,330 | 6,585 |
| Average total loans | $46,205,330 | 5,174 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 4,516 |
| Cost of funding earning assets | 0.9150% | 915 |
| Net interest margin | 2.9738% | 5,640 |
| Noninterest income to average assets | 2.3243% | 351 |
| Noninterest expense to average assets | 4.0332% | 854 |
| Loan and lease loss provision to assets | 8.0766% | 4 |
| Net operating income to assets | -7.3392% | 7,007 |
| Return on assets (ROA) | -7.3392% | 7,008 |
| Pretax return on assets | -7.3392% | 7,007 |
| Return on Equity (ROE) | -180.0374% | 7,011 |
| Retained earnings to average equity (ytd only) | -180.0374% | 7,011 |
| Net charge-offs to loans | 28.2024% | 3 |
| Credit loss provision to net charge-offs | 49.3474% | 2,612 |
| Earnings coverage of net charge-offs (x) | 0.0451% | 3,812 |
| Efficiency ratio | 84.5416% | 1,698 |
| Assets per employee ($millions) | 4.8603% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2401% | 525 |
| Loan loss allowance to noncurrent loans | 20.0460% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 23.1907% | 13 |
| Noncurrent loans to loans | 16.1631% | 57 |
| Net loans and leases to total assets | 53.5338% | 4,485 |
| Net loans and leases to deposits | 61.7289% | 4,588 |
| Net loans and leases to core deposits | 64.8311% | 4,666 |
| Total domestic deposits to total assets | 86.7239% | 3,117 |
| Equity capital to assets | 3.5158% | 6,957 |
| Core capital (leverage) ratio | 3.4800% | 6,950 |
| Tier 1 risk-based capital ratio | 5.6222% | 6,941 |
| Total risk-based capital ratio | 6.8930% | 6,942 |
| Memoranda: | ||
| Average total assets | $78,646,500 | 5,397 |
| Average earning assets | $64,698,500 | 5,591 |
| Average equity | $3,206,000 | 6,677 |
| Average total loans | $45,641,500 | 5,226 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 3,939 |
| Cost of funding earning assets | 1.0792% | 986 |
| Net interest margin | 3.2924% | 5,265 |
| Noninterest income to average assets | -0.6625% | 7,044 |
| Noninterest expense to average assets | 4.7794% | 445 |
| Loan and lease loss provision to assets | 0.6650% | 799 |
| Net operating income to assets | -3.4395% | 7,025 |
| Return on assets (ROA) | -3.4395% | 7,030 |
| Pretax return on assets | -3.4395% | 7,030 |
| Return on Equity (ROE) | -127.0701% | 7,078 |
| Retained earnings to average equity (ytd only) | -127.0701% | 7,078 |
| Net charge-offs to loans | 0.5734% | 2,006 |
| Credit loss provision to net charge-offs | 183.6735% | 1,431 |
| Earnings coverage of net charge-offs (x) | -7.6633% | 5,932 |
| Efficiency ratio | 238.3907% | 25 |
| Assets per employee ($millions) | 4.9706% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2662% | 62 |
| Loan loss allowance to noncurrent loans | 30.8918% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 28.8876% | 5 |
| Noncurrent loans to loans | 20.2843% | 27 |
| Net loans and leases to total assets | 56.8786% | 4,133 |
| Net loans and leases to deposits | 66.3942% | 4,229 |
| Net loans and leases to core deposits | 68.5400% | 4,475 |
| Total domestic deposits to total assets | 85.6681% | 3,526 |
| Equity capital to assets | 4.6247% | 6,968 |
| Core capital (leverage) ratio | 4.5328% | 6,960 |
| Tier 1 risk-based capital ratio | 6.9341% | 6,958 |
| Total risk-based capital ratio | 8.2388% | 6,957 |
| Memoranda: | ||
| Average total assets | $81,203,000 | 5,323 |
| Average earning assets | $65,788,600 | 5,558 |
| Average equity | $2,198,000 | 6,929 |
| Average total loans | $51,276,000 | 5,057 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4421% | 3,872 |
| Cost of funding earning assets | 1.1151% | 999 |
| Net interest margin | 3.3271% | 5,286 |
| Noninterest income to average assets | -0.5195% | 7,133 |
| Noninterest expense to average assets | 4.8744% | 399 |
| Loan and lease loss provision to assets | -0.2058% | 7,088 |
| Net operating income to assets | -2.4192% | 7,084 |
| Return on assets (ROA) | -2.4192% | 7,088 |
| Pretax return on assets | -2.4928% | 7,078 |
| Return on Equity (ROE) | -108.0208% | 7,165 |
| Retained earnings to average equity (ytd only) | -108.0208% | 7,165 |
| Net charge-offs to loans | 0.9276% | 1,167 |
| Credit loss provision to net charge-offs | -34.8066% | 6,147 |
| Earnings coverage of net charge-offs (x) | -4.5636% | 5,700 |
| Efficiency ratio | 224.0240% | 30 |
| Assets per employee ($millions) | 4.3155% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7140% | 176 |
| Loan loss allowance to noncurrent loans | 24.7861% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 27.9017% | 10 |
| Noncurrent loans to loans | 19.0185% | 48 |
| Net loans and leases to total assets | 56.4291% | 4,379 |
| Net loans and leases to deposits | 66.6124% | 4,391 |
| Net loans and leases to core deposits | 68.2665% | 4,703 |
| Total domestic deposits to total assets | 84.7125% | 3,877 |
| Equity capital to assets | 5.9870% | 6,988 |
| Core capital (leverage) ratio | 6.1342% | 6,938 |
| Tier 1 risk-based capital ratio | 8.8864% | 6,950 |
| Total risk-based capital ratio | 10.1716% | 6,949 |
| Memoranda: | ||
| Average total assets | $81,621,500 | 5,361 |
| Average earning assets | $66,122,500 | 5,611 |
| Average equity | $1,828,000 | 7,071 |
| Average total loans | $52,030,250 | 5,075 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6848% | 2,980 |
| Cost of funding earning assets | 1.1606% | 975 |
| Net interest margin | 3.5242% | 4,575 |
| Noninterest income to average assets | -0.7313% | 7,207 |
| Noninterest expense to average assets | 4.5253% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -2.2921% | 7,105 |
| Return on assets (ROA) | -2.2921% | 7,113 |
| Pretax return on assets | -2.4025% | 7,108 |
| Return on Equity (ROE) | -233.2085% | 7,232 |
| Retained earnings to average equity (ytd only) | -233.2085% | 7,232 |
| Net charge-offs to loans | 0.8949% | 1,229 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -4.1134% | 5,435 |
| Efficiency ratio | 213.1792% | 34 |
| Assets per employee ($millions) | 3.9577% | 3,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0616% | 157 |
| Loan loss allowance to noncurrent loans | 33.5402% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 26.8843% | 8 |
| Noncurrent loans to loans | 15.0911% | 98 |
| Net loans and leases to total assets | 60.1890% | 3,782 |
| Net loans and leases to deposits | 67.0702% | 4,351 |
| Net loans and leases to core deposits | 68.4541% | 4,733 |
| Total domestic deposits to total assets | 89.7403% | 1,082 |
| Equity capital to assets | 0.5129% | 7,239 |
| Core capital (leverage) ratio | 0.5029% | 7,239 |
| Tier 1 risk-based capital ratio | 0.7113% | 7,238 |
| Total risk-based capital ratio | 1.4226% | 7,238 |
| Memoranda: | ||
| Average total assets | $81,497,000 | 5,397 |
| Average earning assets | $66,000,330 | 5,650 |
| Average equity | $801,000 | 7,228 |
| Average total loans | $53,187,670 | 5,061 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7174% | 2,985 |
| Cost of funding earning assets | 1.1823% | 1,060 |
| Net interest margin | 3.5351% | 4,543 |
| Noninterest income to average assets | -1.7951% | 7,295 |
| Noninterest expense to average assets | 4.3402% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -3.2564% | 7,236 |
| Return on assets (ROA) | -3.2564% | 7,236 |
| Pretax return on assets | -3.2564% | 7,222 |
| Return on Equity (ROE) | -269.6044% | 7,294 |
| Retained earnings to average equity (ytd only) | -269.6044% | 7,293 |
| Net charge-offs to loans | 1.1044% | 932 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -4.4570% | 4,659 |
| Efficiency ratio | 400.4464% | 11 |
| Assets per employee ($millions) | 4.1162% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8945% | 190 |
| Loan loss allowance to noncurrent loans | 30.5252% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 26.9885% | 11 |
| Noncurrent loans to loans | 16.0341% | 100 |
| Net loans and leases to total assets | 62.0062% | 3,257 |
| Net loans and leases to deposits | 68.9699% | 3,881 |
| Net loans and leases to core deposits | 70.8765% | 4,314 |
| Total domestic deposits to total assets | 89.9033% | 1,140 |
| Equity capital to assets | 0.8041% | 7,300 |
| Core capital (leverage) ratio | 0.8012% | 7,302 |
| Tier 1 risk-based capital ratio | 1.0978% | 7,302 |
| Total risk-based capital ratio | 2.1955% | 7,302 |
| Memoranda: | ||
| Average total assets | $82,668,500 | 5,394 |
| Average earning assets | $67,325,000 | 5,648 |
| Average equity | $998,500 | 7,275 |
| Average total loans | $54,690,500 | 5,037 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 4,825 |
| Cost of funding earning assets | 1.3493% | 1,239 |
| Net interest margin | 3.2129% | 6,051 |
| Noninterest income to average assets | -1.0232% | 7,325 |
| Noninterest expense to average assets | 4.4000% | 647 |
| Loan and lease loss provision to assets | 3.1141% | 117 |
| Net operating income to assets | -6.7192% | 7,330 |
| Return on assets (ROA) | -6.7192% | 7,331 |
| Pretax return on assets | -5.7617% | 7,324 |
| Return on Equity (ROE) | -129.9191% | 7,334 |
| Retained earnings to average equity (ytd only) | -129.9191% | 7,334 |
| Net charge-offs to loans | 3.4613% | 222 |
| Credit loss provision to net charge-offs | 128.6569% | 2,396 |
| Earnings coverage of net charge-offs (x) | -1.0938% | 6,208 |
| Efficiency ratio | 251.0801% | 33 |
| Assets per employee ($millions) | 4.1507% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9867% | 177 |
| Loan loss allowance to noncurrent loans | 30.8016% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 26.3477% | 18 |
| Noncurrent loans to loans | 16.1898% | 110 |
| Net loans and leases to total assets | 63.7611% | 3,244 |
| Net loans and leases to deposits | 71.6219% | 3,859 |
| Net loans and leases to core deposits | 73.7043% | 4,283 |
| Total domestic deposits to total assets | 89.0246% | 1,523 |
| Equity capital to assets | 1.6082% | 7,336 |
| Core capital (leverage) ratio | 1.5604% | 7,335 |
| Tier 1 risk-based capital ratio | 2.1759% | 7,336 |
| Total risk-based capital ratio | 3.4651% | 7,337 |
| Memoranda: | ||
| Average total assets | $89,817,200 | 5,188 |
| Average earning assets | $77,594,600 | 5,298 |
| Average equity | $4,645,200 | 6,549 |
| Average total loans | $62,808,000 | 4,759 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 5,187 |
| Cost of funding earning assets | 1.3749% | 1,342 |
| Net interest margin | 3.1482% | 6,292 |
| Noninterest income to average assets | -0.2229% | 7,281 |
| Noninterest expense to average assets | 4.1535% | 838 |
| Loan and lease loss provision to assets | 3.5475% | 79 |
| Net operating income to assets | -5.1719% | 7,380 |
| Return on assets (ROA) | -5.1719% | 7,384 |
| Pretax return on assets | -5.1719% | 7,381 |
| Return on Equity (ROE) | -86.4870% | 7,369 |
| Retained earnings to average equity (ytd only) | -86.4870% | 7,369 |
| Net charge-offs to loans | 4.2528% | 138 |
| Credit loss provision to net charge-offs | 118.2039% | 2,758 |
| Earnings coverage of net charge-offs (x) | -0.5413% | 5,848 |
| Efficiency ratio | 164.2281% | 103 |
| Assets per employee ($millions) | 4.2040% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2238% | 335 |
| Loan loss allowance to noncurrent loans | 19.7904% | 6,681 |
| Noncurrent assets plus other real estate owned to assets | 26.0447% | 19 |
| Noncurrent loans to loans | 21.3429% | 46 |
| Net loans and leases to total assets | 64.9819% | 3,108 |
| Net loans and leases to deposits | 75.2357% | 3,469 |
| Net loans and leases to core deposits | 77.1594% | 4,022 |
| Total domestic deposits to total assets | 86.3711% | 3,000 |
| Equity capital to assets | 4.7189% | 7,281 |
| Core capital (leverage) ratio | 3.6851% | 7,319 |
| Tier 1 risk-based capital ratio | 5.1361% | 7,319 |
| Total risk-based capital ratio | 6.4190% | 7,321 |
| Memoranda: | ||
| Average total assets | $91,518,250 | 5,181 |
| Average earning assets | $80,001,250 | 5,269 |
| Average equity | $5,472,750 | 6,349 |
| Average total loans | $64,583,000 | 4,730 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4816% | 5,410 |
| Cost of funding earning assets | 1.3968% | 1,438 |
| Net interest margin | 3.0848% | 6,438 |
| Noninterest income to average assets | -0.2635% | 7,370 |
| Noninterest expense to average assets | 4.1341% | 885 |
| Loan and lease loss provision to assets | 4.7064% | 55 |
| Net operating income to assets | -6.3804% | 7,470 |
| Return on assets (ROA) | -6.3804% | 7,472 |
| Pretax return on assets | -6.3804% | 7,470 |
| Return on Equity (ROE) | -99.9944% | 7,440 |
| Retained earnings to average equity (ytd only) | -99.9944% | 7,438 |
| Net charge-offs to loans | 5.8417% | 94 |
| Credit loss provision to net charge-offs | 112.7847% | 2,719 |
| Earnings coverage of net charge-offs (x) | -0.4011% | 5,496 |
| Efficiency ratio | 168.0421% | 104 |
| Assets per employee ($millions) | 4.5160% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8657% | 453 |
| Loan loss allowance to noncurrent loans | 21.5079% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 23.4411% | 35 |
| Noncurrent loans to loans | 17.9732% | 86 |
| Net loans and leases to total assets | 66.1371% | 3,005 |
| Net loans and leases to deposits | 76.0597% | 3,458 |
| Net loans and leases to core deposits | 77.9464% | 4,057 |
| Total domestic deposits to total assets | 86.9542% | 2,764 |
| Equity capital to assets | 4.3767% | 7,364 |
| Core capital (leverage) ratio | 3.3756% | 7,408 |
| Tier 1 risk-based capital ratio | 4.6424% | 7,414 |
| Total risk-based capital ratio | 5.9254% | 7,413 |
| Memoranda: | ||
| Average total assets | $92,596,670 | 5,185 |
| Average earning assets | $81,755,670 | 5,270 |
| Average equity | $5,908,330 | 6,259 |
| Average total loans | $66,144,670 | 4,724 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5661% | 5,101 |
| Cost of funding earning assets | 1.4364% | 1,448 |
| Net interest margin | 3.1297% | 6,268 |
| Noninterest income to average assets | -0.0853% | 7,377 |
| Noninterest expense to average assets | 3.6187% | 1,730 |
| Loan and lease loss provision to assets | 0.3841% | 2,260 |
| Net operating income to assets | -1.2802% | 7,128 |
| Return on assets (ROA) | -1.2802% | 7,135 |
| Pretax return on assets | -1.2802% | 7,091 |
| Return on Equity (ROE) | -17.4267% | 7,187 |
| Retained earnings to average equity (ytd only) | -17.4267% | 7,102 |
| Net charge-offs to loans | 2.1482% | 577 |
| Credit loss provision to net charge-offs | 24.5902% | 4,205 |
| Earnings coverage of net charge-offs (x) | -0.5738% | 4,818 |
| Efficiency ratio | 132.9154% | 243 |
| Assets per employee ($millions) | 4.6575% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8547% | 1,053 |
| Loan loss allowance to noncurrent loans | 15.7023% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 20.5424% | 59 |
| Noncurrent loans to loans | 18.1802% | 88 |
| Net loans and leases to total assets | 68.6084% | 2,424 |
| Net loans and leases to deposits | 81.2262% | 2,491 |
| Net loans and leases to core deposits | 101.8633% | 1,212 |
| Total domestic deposits to total assets | 84.4657% | 4,289 |
| Equity capital to assets | 7.0822% | 7,057 |
| Core capital (leverage) ratio | 6.1503% | 7,222 |
| Tier 1 risk-based capital ratio | 8.0401% | 7,289 |
| Total risk-based capital ratio | 9.3124% | 7,290 |
| Memoranda: | ||
| Average total assets | $93,735,000 | 5,177 |
| Average earning assets | $84,098,500 | 5,226 |
| Average equity | $6,886,000 | 5,958 |
| Average total loans | $68,148,500 | 4,682 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7683% | 5,541 |
| Cost of funding earning assets | 1.9667% | 681 |
| Net interest margin | 2.8017% | 7,027 |
| Noninterest income to average assets | 0.2808% | 5,766 |
| Noninterest expense to average assets | 3.9804% | 1,187 |
| Loan and lease loss provision to assets | 1.6252% | 889 |
| Net operating income to assets | -2.6756% | 7,223 |
| Return on assets (ROA) | -2.6756% | 7,238 |
| Pretax return on assets | -2.7871% | 7,242 |
| Return on Equity (ROE) | -37.6044% | 7,320 |
| Retained earnings to average equity (ytd only) | -37.6044% | 7,310 |
| Net charge-offs to loans | 0.6954% | 2,923 |
| Credit loss provision to net charge-offs | 318.6879% | 818 |
| Earnings coverage of net charge-offs (x) | -2.2783% | 6,716 |
| Efficiency ratio | 141.2230% | 252 |
| Assets per employee ($millions) | 4.4915% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0563% | 828 |
| Loan loss allowance to noncurrent loans | 15.4381% | 6,970 |
| Noncurrent assets plus other real estate owned to assets | 20.7610% | 61 |
| Noncurrent loans to loans | 19.7969% | 73 |
| Net loans and leases to total assets | 72.4717% | 1,991 |
| Net loans and leases to deposits | 86.3179% | 2,041 |
| Net loans and leases to core deposits | 93.1903% | 2,359 |
| Total domestic deposits to total assets | 83.9590% | 4,382 |
| Equity capital to assets | 7.6070% | 6,812 |
| Core capital (leverage) ratio | 6.3413% | 7,231 |
| Tier 1 risk-based capital ratio | 8.6733% | 7,293 |
| Total risk-based capital ratio | 9.9459% | 7,301 |
| Memoranda: | ||
| Average total assets | $98,633,200 | 5,025 |
| Average earning assets | $89,339,600 | 5,040 |
| Average equity | $7,017,800 | 6,029 |
| Average total loans | $72,334,400 | 4,598 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7163% | 5,960 |
| Cost of funding earning assets | 2.0769% | 584 |
| Net interest margin | 2.6394% | 7,286 |
| Noninterest income to average assets | 0.3049% | 5,713 |
| Noninterest expense to average assets | 3.7347% | 1,502 |
| Loan and lease loss provision to assets | 1.4949% | 893 |
| Net operating income to assets | -2.3868% | 7,322 |
| Return on assets (ROA) | -2.3868% | 7,336 |
| Pretax return on assets | -2.5339% | 7,325 |
| Return on Equity (ROE) | -34.1039% | 7,442 |
| Retained earnings to average equity (ytd only) | -34.1039% | 7,438 |
| Net charge-offs to loans | 0.8756% | 2,258 |
| Credit loss provision to net charge-offs | 233.8912% | 1,451 |
| Earnings coverage of net charge-offs (x) | -1.6255% | 6,518 |
| Efficiency ratio | 138.5417% | 252 |
| Assets per employee ($millions) | 4.7362% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4197% | 1,447 |
| Loan loss allowance to noncurrent loans | 12.6919% | 7,129 |
| Noncurrent assets plus other real estate owned to assets | 19.2387% | 71 |
| Noncurrent loans to loans | 19.0647% | 90 |
| Net loans and leases to total assets | 68.7264% | 3,048 |
| Net loans and leases to deposits | 81.7323% | 3,154 |
| Net loans and leases to core deposits | 85.0770% | 3,784 |
| Total domestic deposits to total assets | 84.0872% | 4,075 |
| Equity capital to assets | 8.0745% | 6,737 |
| Core capital (leverage) ratio | 6.9555% | 7,189 |
| Tier 1 risk-based capital ratio | 9.6565% | 7,204 |
| Total risk-based capital ratio | 10.9214% | 7,192 |
| Memoranda: | ||
| Average total assets | $99,711,250 | 5,056 |
| Average earning assets | $90,322,500 | 5,055 |
| Average equity | $6,978,500 | 6,122 |
| Average total loans | $72,790,250 | 4,644 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 5,746 |
| Cost of funding earning assets | 2.1477% | 555 |
| Net interest margin | 2.6663% | 7,288 |
| Noninterest income to average assets | 0.3487% | 5,357 |
| Noninterest expense to average assets | 3.7938% | 1,369 |
| Loan and lease loss provision to assets | 2.2406% | 530 |
| Net operating income to assets | -3.0543% | 7,518 |
| Return on assets (ROA) | -3.0543% | 7,522 |
| Pretax return on assets | -3.2747% | 7,509 |
| Return on Equity (ROE) | -45.9890% | 7,583 |
| Retained earnings to average equity (ytd only) | -45.9890% | 7,578 |
| Net charge-offs to loans | 0.0814% | 5,325 |
| Credit loss provision to net charge-offs | 3,726.6667% | 106 |
| Earnings coverage of net charge-offs (x) | -17.2000% | 6,338 |
| Efficiency ratio | 137.4728% | 265 |
| Assets per employee ($millions) | 4.6332% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9513% | 864 |
| Loan loss allowance to noncurrent loans | 16.5177% | 7,090 |
| Noncurrent assets plus other real estate owned to assets | 18.4723% | 76 |
| Noncurrent loans to loans | 17.8678% | 112 |
| Net loans and leases to total assets | 69.1330% | 3,097 |
| Net loans and leases to deposits | 82.1248% | 3,253 |
| Net loans and leases to core deposits | 107.9010% | 1,307 |
| Total domestic deposits to total assets | 84.1805% | 4,025 |
| Equity capital to assets | 8.1330% | 6,619 |
| Core capital (leverage) ratio | 7.4474% | 6,875 |
| Tier 1 risk-based capital ratio | 10.2026% | 6,914 |
| Total risk-based capital ratio | 11.4730% | 6,873 |
| Memoranda: | ||
| Average total assets | $99,794,670 | 5,082 |
| Average earning assets | $90,236,330 | 5,084 |
| Average equity | $6,627,670 | 6,260 |
| Average total loans | $73,703,330 | 4,653 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 4,835 |
| Cost of funding earning assets | 2.2565% | 486 |
| Net interest margin | 2.7834% | 7,203 |
| Noninterest income to average assets | 0.4781% | 4,216 |
| Noninterest expense to average assets | 3.2251% | 2,774 |
| Loan and lease loss provision to assets | 4.2866% | 193 |
| Net operating income to assets | -4.3109% | 7,737 |
| Return on assets (ROA) | -4.3109% | 7,745 |
| Pretax return on assets | -4.5297% | 7,727 |
| Return on Equity (ROE) | -73.4236% | 7,775 |
| Retained earnings to average equity (ytd only) | -73.4236% | 7,770 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1522% | 638 |
| Assets per employee ($millions) | 4.4809% | 2,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8599% | 930 |
| Loan loss allowance to noncurrent loans | 18.3420% | 7,093 |
| Noncurrent assets plus other real estate owned to assets | 18.3384% | 80 |
| Noncurrent loans to loans | 15.5922% | 161 |
| Net loans and leases to total assets | 72.8038% | 2,260 |
| Net loans and leases to deposits | 83.9454% | 2,951 |
| Net loans and leases to core deposits | 93.0784% | 2,969 |
| Total domestic deposits to total assets | 86.7275% | 2,779 |
| Equity capital to assets | 5.3520% | 7,686 |
| Core capital (leverage) ratio | 4.2298% | 7,759 |
| Tier 1 risk-based capital ratio | 5.4066% | 7,776 |
| Total risk-based capital ratio | 6.6882% | 7,778 |
| Memoranda: | ||
| Average total assets | $98,726,500 | 5,187 |
| Average earning assets | $88,811,500 | 5,198 |
| Average equity | $5,796,500 | 6,586 |
| Average total loans | $74,249,500 | 4,706 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6576% | 3,312 |
| Cost of funding earning assets | 2.9899% | 242 |
| Net interest margin | 2.6677% | 7,253 |
| Noninterest income to average assets | 0.9428% | 1,779 |
| Noninterest expense to average assets | 3.1513% | 3,543 |
| Loan and lease loss provision to assets | 0.7949% | 2,747 |
| Net operating income to assets | -0.4136% | 6,095 |
| Return on assets (ROA) | -0.4136% | 6,091 |
| Pretax return on assets | -0.5532% | 6,056 |
| Return on Equity (ROE) | -6.1409% | 6,320 |
| Retained earnings to average equity (ytd only) | -6.1409% | 6,161 |
| Net charge-offs to loans | 0.6116% | 3,379 |
| Credit loss provision to net charge-offs | 165.5098% | 2,634 |
| Earnings coverage of net charge-offs (x) | 0.5033% | 5,609 |
| Efficiency ratio | 92.8769% | 1,493 |
| Assets per employee ($millions) | 4.4942% | 2,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 4,156 |
| Loan loss allowance to noncurrent loans | 9.2617% | 7,375 |
| Noncurrent assets plus other real estate owned to assets | 18.1536% | 79 |
| Noncurrent loans to loans | 15.2662% | 164 |
| Net loans and leases to total assets | 74.3995% | 2,167 |
| Net loans and leases to deposits | 86.8879% | 2,756 |
| Net loans and leases to core deposits | 147.8197% | 562 |
| Total domestic deposits to total assets | 85.6270% | 3,210 |
| Equity capital to assets | 6.3890% | 7,588 |
| Core capital (leverage) ratio | 6.2630% | 7,571 |
| Tier 1 risk-based capital ratio | 7.8272% | 7,672 |
| Total risk-based capital ratio | 9.0005% | 7,685 |
| Memoranda: | ||
| Average total assets | $95,991,800 | 5,201 |
| Average earning assets | $88,164,800 | 5,191 |
| Average equity | $6,464,800 | 6,439 |
| Average total loans | $75,370,000 | 4,674 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1197% | 1,580 |
| Cost of funding earning assets | 3.1515% | 218 |
| Net interest margin | 2.9682% | 6,691 |
| Noninterest income to average assets | 1.1868% | 1,110 |
| Noninterest expense to average assets | 2.8059% | 4,872 |
| Loan and lease loss provision to assets | 0.9838% | 1,946 |
| Net operating income to assets | 0.0378% | 5,634 |
| Return on assets (ROA) | 0.0378% | 5,673 |
| Pretax return on assets | 0.1386% | 5,441 |
| Return on Equity (ROE) | 0.5537% | 5,632 |
| Retained earnings to average equity (ytd only) | 0.5537% | 4,975 |
| Net charge-offs to loans | 0.4129% | 3,609 |
| Credit loss provision to net charge-offs | 300.4274% | 1,364 |
| Earnings coverage of net charge-offs (x) | 3.4274% | 3,538 |
| Efficiency ratio | 71.4286% | 4,340 |
| Assets per employee ($millions) | 4.5031% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5715% | 3,115 |
| Loan loss allowance to noncurrent loans | 17.0100% | 7,239 |
| Noncurrent assets plus other real estate owned to assets | 10.5867% | 303 |
| Noncurrent loans to loans | 9.2388% | 465 |
| Net loans and leases to total assets | 77.2570% | 1,730 |
| Net loans and leases to deposits | 90.6407% | 2,455 |
| Net loans and leases to core deposits | 154.3054% | 490 |
| Total domestic deposits to total assets | 85.2344% | 3,106 |
| Equity capital to assets | 6.7610% | 7,685 |
| Core capital (leverage) ratio | 6.6283% | 7,618 |
| Tier 1 risk-based capital ratio | 7.7917% | 7,821 |
| Total risk-based capital ratio | 9.0557% | 7,828 |
| Memoranda: | ||
| Average total assets | $95,271,500 | 5,260 |
| Average earning assets | $87,997,250 | 5,233 |
| Average equity | $6,501,750 | 6,484 |
| Average total loans | $75,558,500 | 4,713 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1549% | 1,608 |
| Cost of funding earning assets | 3.3131% | 198 |
| Net interest margin | 2.8418% | 6,929 |
| Noninterest income to average assets | 0.3170% | 5,971 |
| Noninterest expense to average assets | 2.7126% | 5,338 |
| Loan and lease loss provision to assets | 1.4105% | 1,228 |
| Net operating income to assets | -1.3425% | 7,182 |
| Return on assets (ROA) | -1.3425% | 7,182 |
| Pretax return on assets | -1.1893% | 6,933 |
| Return on Equity (ROE) | -19.6074% | 7,491 |
| Retained earnings to average equity (ytd only) | -19.6074% | 7,442 |
| Net charge-offs to loans | 0.3368% | 3,494 |
| Credit loss provision to net charge-offs | 526.1905% | 877 |
| Earnings coverage of net charge-offs (x) | 0.8254% | 4,919 |
| Efficiency ratio | 92.4583% | 1,606 |
| Assets per employee ($millions) | 4.6443% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 2,445 |
| Loan loss allowance to noncurrent loans | 26.4074% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 8.3964% | 431 |
| Noncurrent loans to loans | 6.3239% | 851 |
| Net loans and leases to total assets | 77.8807% | 1,769 |
| Net loans and leases to deposits | 91.3000% | 2,600 |
| Net loans and leases to core deposits | 143.5752% | 855 |
| Total domestic deposits to total assets | 85.3020% | 3,106 |
| Equity capital to assets | 6.2022% | 7,892 |
| Core capital (leverage) ratio | 6.1466% | 7,890 |
| Tier 1 risk-based capital ratio | 7.2670% | 7,981 |
| Total risk-based capital ratio | 8.3421% | 8,008 |
| Memoranda: | ||
| Average total assets | $94,006,000 | 5,343 |
| Average earning assets | $86,565,670 | 5,316 |
| Average equity | $6,436,330 | 6,556 |
| Average total loans | $74,825,000 | 4,781 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0021% | 2,352 |
| Cost of funding earning assets | 3.3853% | 210 |
| Net interest margin | 2.6168% | 7,346 |
| Noninterest income to average assets | 0.3426% | 5,714 |
| Noninterest expense to average assets | 2.6712% | 5,147 |
| Loan and lease loss provision to assets | 0.2602% | 3,878 |
| Net operating income to assets | -0.4943% | 6,865 |
| Return on assets (ROA) | -0.4943% | 6,923 |
| Pretax return on assets | -0.1821% | 6,555 |
| Return on Equity (ROE) | -6.8778% | 7,136 |
| Retained earnings to average equity (ytd only) | -6.8778% | 6,782 |
| Net charge-offs to loans | 0.0163% | 5,350 |
| Credit loss provision to net charge-offs | 2,000.0000% | 314 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,567 |
| Efficiency ratio | 97.1609% | 1,264 |
| Assets per employee ($millions) | 4.4735% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,442 |
| Loan loss allowance to noncurrent loans | 13.1387% | 7,458 |
| Noncurrent assets plus other real estate owned to assets | 10.0794% | 223 |
| Noncurrent loans to loans | 8.4044% | 412 |
| Net loans and leases to total assets | 77.2205% | 1,989 |
| Net loans and leases to deposits | 92.2482% | 2,554 |
| Net loans and leases to core deposits | 150.7376% | 682 |
| Total domestic deposits to total assets | 83.7094% | 3,838 |
| Equity capital to assets | 6.9967% | 7,684 |
| Core capital (leverage) ratio | 6.8130% | 7,761 |
| Tier 1 risk-based capital ratio | 8.2751% | 7,982 |
| Total risk-based capital ratio | 9.3315% | 8,032 |
| Memoranda: | ||
| Average total assets | $92,244,000 | 5,415 |
| Average earning assets | $84,836,500 | 5,402 |
| Average equity | $6,630,000 | 6,537 |
| Average total loans | $73,614,000 | 4,850 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7353% | 1,917 |
| Cost of funding earning assets | 3.8131% | 193 |
| Net interest margin | 2.9222% | 7,099 |
| Noninterest income to average assets | 0.1317% | 7,449 |
| Noninterest expense to average assets | 3.3127% | 2,929 |
| Loan and lease loss provision to assets | 0.2796% | 4,158 |
| Net operating income to assets | -0.5423% | 6,954 |
| Return on assets (ROA) | -1.0965% | 7,226 |
| Pretax return on assets | -1.8189% | 7,380 |
| Return on Equity (ROE) | -13.0753% | 7,497 |
| Retained earnings to average equity (ytd only) | -13.0753% | 7,336 |
| Net charge-offs to loans | 0.3793% | 2,941 |
| Credit loss provision to net charge-offs | 89.8876% | 5,685 |
| Earnings coverage of net charge-offs (x) | -1.4906% | 6,661 |
| Efficiency ratio | 116.2781% | 614 |
| Assets per employee ($millions) | 3.7727% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0193% | 5,857 |
| Loan loss allowance to noncurrent loans | 39.8202% | 6,068 |
| Noncurrent assets plus other real estate owned to assets | 4.3570% | 887 |
| Noncurrent loans to loans | 2.5598% | 2,125 |
| Net loans and leases to total assets | 80.7574% | 1,496 |
| Net loans and leases to deposits | 98.5179% | 2,048 |
| Net loans and leases to core deposits | 149.8136% | 864 |
| Total domestic deposits to total assets | 81.9723% | 4,212 |
| Equity capital to assets | 7.3854% | 7,478 |
| Core capital (leverage) ratio | 7.3068% | 7,411 |
| Tier 1 risk-based capital ratio | 8.7212% | 7,940 |
| Total risk-based capital ratio | 9.7082% | 8,054 |
| Memoranda: | ||
| Average total assets | $85,821,600 | 5,489 |
| Average earning assets | $79,803,000 | 5,435 |
| Average equity | $7,196,800 | 6,385 |
| Average total loans | $70,399,400 | 4,854 |