Home > Community Bank and Trust - Alabama > Performance and Condition Ratios
Community Bank and Trust - Alabama, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8183% | 2,440 |
| Cost of funding earning assets | 0.6303% | 4,032 |
| Net interest margin | 4.1880% | 954 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 4.7207% | 251 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0837% | 4,268 |
| Return on assets (ROA) | 0.0837% | 4,293 |
| Pretax return on assets | 0.0837% | 4,289 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,044 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 98.2571% | 214 |
| Assets per employee ($millions) | 3.7882% | 4,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3694% | 41 |
| Loan loss allowance to noncurrent loans | 179.6154% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 374 |
| Noncurrent loans to loans | 2.9894% | 145 |
| Net loans and leases to total assets | 33.4300% | 4,224 |
| Net loans and leases to deposits | 33.5994% | 4,313 |
| Net loans and leases to core deposits | 36.3105% | 4,339 |
| Total domestic deposits to total assets | 99.4800% | 21 |
| Equity capital to assets | 0.0020% | 4,582 |
| Core capital (leverage) ratio | 9.1165% | 3,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4580% | 512 |
| Memoranda: | ||
| Average total assets | $47,768,200 | 4,335 |
| Average earning assets | $45,057,400 | 4,298 |
| Average equity | $-338,400 | 4,583 |
| Average total loans | $17,356,000 | 4,327 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 2,275 |
| Cost of funding earning assets | 0.5129% | 4,117 |
| Net interest margin | 4.2823% | 823 |
| Noninterest income to average assets | 0.8700% | 813 |
| Noninterest expense to average assets | 4.4979% | 279 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4135% | 3,943 |
| Return on assets (ROA) | 0.4135% | 3,935 |
| Pretax return on assets | 0.4135% | 4,045 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,110 |
| Net charge-offs to loans | -0.0077% | 3,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 91.5808% | 328 |
| Assets per employee ($millions) | 3.6732% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2584% | 40 |
| Loan loss allowance to noncurrent loans | 269.4524% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 637 |
| Noncurrent loans to loans | 1.9515% | 321 |
| Net loans and leases to total assets | 35.2800% | 4,207 |
| Net loans and leases to deposits | 34.6141% | 4,321 |
| Net loans and leases to core deposits | 36.5352% | 4,320 |
| Total domestic deposits to total assets | 101.9200% | 22 |
| Equity capital to assets | -2.1758% | 4,627 |
| Core capital (leverage) ratio | 9.0068% | 3,774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5208% | 515 |
| Memoranda: | ||
| Average total assets | $47,398,750 | 4,354 |
| Average earning assets | $44,709,750 | 4,319 |
| Average equity | $-423,250 | 4,612 |
| Average total loans | $17,346,250 | 4,346 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 2,725 |
| Cost of funding earning assets | 0.4262% | 4,123 |
| Net interest margin | 4.0417% | 1,172 |
| Noninterest income to average assets | 0.8700% | 741 |
| Noninterest expense to average assets | 4.2681% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.4145% | 3,979 |
| Return on assets (ROA) | 0.4145% | 3,983 |
| Pretax return on assets | 0.4145% | 4,097 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,069 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 91.1472% | 322 |
| Assets per employee ($millions) | 3.2331% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4665% | 38 |
| Loan loss allowance to noncurrent loans | 263.8418% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.9191% | 533 |
| Noncurrent loans to loans | 2.0719% | 258 |
| Net loans and leases to total assets | 35.6800% | 4,187 |
| Net loans and leases to deposits | 35.6100% | 4,303 |
| Net loans and leases to core deposits | 37.6829% | 4,301 |
| Total domestic deposits to total assets | 100.2100% | 22 |
| Equity capital to assets | -0.4595% | 4,655 |
| Core capital (leverage) ratio | 9.4469% | 3,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5268% | 520 |
| Memoranda: | ||
| Average total assets | $47,281,000 | 4,374 |
| Average earning assets | $44,585,000 | 4,339 |
| Average equity | $-218,000 | 4,640 |
| Average total loans | $17,201,333 | 4,371 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 2,927 |
| Cost of funding earning assets | 0.3074% | 4,177 |
| Net interest margin | 3.9433% | 1,379 |
| Noninterest income to average assets | 0.8600% | 744 |
| Noninterest expense to average assets | 4.0174% | 346 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5633% | 3,764 |
| Return on assets (ROA) | 0.5633% | 3,733 |
| Pretax return on assets | 0.5633% | 3,901 |
| Return on Equity (ROE) | NA | NA |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,013 |
| Net charge-offs to loans | 0.0232% | 1,219 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 959 |
| Efficiency ratio | 87.7034% | 431 |
| Assets per employee ($millions) | 3.4606% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4172% | 35 |
| Loan loss allowance to noncurrent loans | 657.0423% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 1,225 |
| Noncurrent loans to loans | 0.8245% | 929 |
| Net loans and leases to total assets | 33.6200% | 4,278 |
| Net loans and leases to deposits | 33.7093% | 4,384 |
| Net loans and leases to core deposits | 35.3470% | 4,376 |
| Total domestic deposits to total assets | 99.7400% | 4 |
| Equity capital to assets | 0.1713% | 4,663 |
| Core capital (leverage) ratio | 9.1599% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3917% | 545 |
| Memoranda: | ||
| Average total assets | $48,290,000 | 4,430 |
| Average earning assets | $45,545,500 | 4,396 |
| Average equity | $-223,000 | 4,664 |
| Average total loans | $17,259,000 | 4,432 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8104% | 2,250 |
| Cost of funding earning assets | 0.2159% | 3,625 |
| Net interest margin | 3.5944% | 1,663 |
| Noninterest income to average assets | 0.8800% | 826 |
| Noninterest expense to average assets | 4.3925% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3577% | 1,251 |
| Return on assets (ROA) | 1.3577% | 1,207 |
| Pretax return on assets | -0.1174% | 4,574 |
| Return on Equity (ROE) | 69.1100% | 14 |
| Retained earnings to average equity (ytd only) | 69.1065% | 3 |
| Net charge-offs to loans | -0.0792% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 102.7470% | 131 |
| Assets per employee ($millions) | 3.4379% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4004% | 32 |
| Loan loss allowance to noncurrent loans | 559.2814% | 1,482 |
| Noncurrent assets plus other real estate owned to assets | 0.4758% | 1,064 |
| Noncurrent loans to loans | 0.9656% | 767 |
| Net loans and leases to total assets | 33.9900% | 4,285 |
| Net loans and leases to deposits | 33.6674% | 4,400 |
| Net loans and leases to core deposits | 35.2699% | 4,390 |
| Total domestic deposits to total assets | 100.9700% | 6 |
| Equity capital to assets | -1.0991% | 4,716 |
| Core capital (leverage) ratio | 8.9649% | 3,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0001% | 547 |
| Memoranda: | ||
| Average total assets | $48,537,400 | 4,452 |
| Average earning assets | $45,848,800 | 4,419 |
| Average equity | $953,600 | 4,704 |
| Average total loans | $16,412,200 | 4,463 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6371% | 2,236 |
| Cost of funding earning assets | 0.2054% | 3,208 |
| Net interest margin | 3.4317% | 1,861 |
| Noninterest income to average assets | 0.8900% | 844 |
| Noninterest expense to average assets | 4.3942% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7050% | 526 |
| Return on assets (ROA) | 1.7050% | 515 |
| Pretax return on assets | -0.2577% | 4,627 |
| Return on Equity (ROE) | 62.6300% | 20 |
| Retained earnings to average equity (ytd only) | 62.6251% | 9 |
| Net charge-offs to loans | -0.0247% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 106.2293% | 113 |
| Assets per employee ($millions) | 3.4098% | 4,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4111% | 35 |
| Loan loss allowance to noncurrent loans | 356.7568% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 778 |
| Noncurrent loans to loans | 1.5167% | 462 |
| Net loans and leases to total assets | 33.8400% | 4,309 |
| Net loans and leases to deposits | 33.2736% | 4,431 |
| Net loans and leases to core deposits | 34.6669% | 4,429 |
| Total domestic deposits to total assets | 101.6900% | 6 |
| Equity capital to assets | -1.8162% | 4,753 |
| Core capital (leverage) ratio | 8.9097% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6545% | 591 |
| Memoranda: | ||
| Average total assets | $48,639,000 | 4,485 |
| Average earning assets | $46,079,500 | 4,453 |
| Average equity | $1,324,250 | 4,738 |
| Average total loans | $16,191,500 | 4,501 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4621% | 2,246 |
| Cost of funding earning assets | 0.2026% | 2,881 |
| Net interest margin | 3.2594% | 2,032 |
| Noninterest income to average assets | 0.8745% | 891 |
| Noninterest expense to average assets | 4.3441% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.5460% | 107 |
| Return on assets (ROA) | 2.5460% | 103 |
| Pretax return on assets | -0.3801% | 4,632 |
| Return on Equity (ROE) | 60.6424% | 11 |
| Retained earnings to average equity (ytd only) | 60.6424% | 4 |
| Net charge-offs to loans | -0.0503% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5876% | 115 |
| Assets per employee ($millions) | 3.2346% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6745% | 32 |
| Loan loss allowance to noncurrent loans | 430.2326% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 908 |
| Noncurrent loans to loans | 1.3189% | 595 |
| Net loans and leases to total assets | 33.9538% | 4,339 |
| Net loans and leases to deposits | 34.1696% | 4,443 |
| Net loans and leases to core deposits | 35.7183% | 4,446 |
| Total domestic deposits to total assets | 99.3684% | 8 |
| Equity capital to assets | 0.5278% | 4,759 |
| Core capital (leverage) ratio | 8.9595% | 3,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6676% | 490 |
| Memoranda: | ||
| Average total assets | $48,939,667 | 4,525 |
| Average earning assets | $46,388,667 | 4,506 |
| Average equity | $2,054,667 | 4,742 |
| Average total loans | $15,896,667 | 4,565 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2485% | 2,539 |
| Cost of funding earning assets | 0.1994% | 2,813 |
| Net interest margin | 3.0491% | 2,335 |
| Noninterest income to average assets | 0.8273% | 977 |
| Noninterest expense to average assets | 4.0656% | 268 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 5.2948% | 36 |
| Return on assets (ROA) | 5.2948% | 34 |
| Pretax return on assets | -0.3467% | 4,647 |
| Return on Equity (ROE) | 90.7342% | 6 |
| Retained earnings to average equity (ytd only) | 90.7342% | 4 |
| Net charge-offs to loans | -0.0510% | 4,262 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3220% | 137 |
| Assets per employee ($millions) | 3.3985% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8443% | 31 |
| Loan loss allowance to noncurrent loans | 338.9706% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 903 |
| Noncurrent loans to loans | 1.7241% | 451 |
| Net loans and leases to total assets | 29.1386% | 4,472 |
| Net loans and leases to deposits | 30.6104% | 4,535 |
| Net loans and leases to core deposits | 31.8926% | 4,538 |
| Total domestic deposits to total assets | 95.1919% | 33 |
| Equity capital to assets | 4.7433% | 4,741 |
| Core capital (leverage) ratio | 9.2617% | 3,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0250% | 490 |
| Memoranda: | ||
| Average total assets | $50,767,000 | 4,528 |
| Average earning assets | $48,145,500 | 4,501 |
| Average equity | $2,962,500 | 4,719 |
| Average total loans | $15,694,500 | 4,587 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5981% | 2,394 |
| Cost of funding earning assets | 0.2275% | 3,167 |
| Net interest margin | 3.3705% | 2,113 |
| Noninterest income to average assets | 0.6303% | 2,024 |
| Noninterest expense to average assets | 4.1457% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.3639% | 4,746 |
| Return on assets (ROA) | -0.1511% | 4,721 |
| Pretax return on assets | -0.1511% | 4,720 |
| Return on Equity (ROE) | -2.0359% | 4,734 |
| Retained earnings to average equity (ytd only) | -2.0359% | 4,627 |
| Net charge-offs to loans | -0.3209% | 4,751 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6215% | 100 |
| Assets per employee ($millions) | 3.3705% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8989% | 27 |
| Loan loss allowance to noncurrent loans | 314.3345% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 904 |
| Noncurrent loans to loans | 1.8766% | 427 |
| Net loans and leases to total assets | 29.0603% | 4,538 |
| Net loans and leases to deposits | 31.2762% | 4,596 |
| Net loans and leases to core deposits | 32.6076% | 4,590 |
| Total domestic deposits to total assets | 92.9149% | 53 |
| Equity capital to assets | 6.9367% | 4,730 |
| Core capital (leverage) ratio | 7.4915% | 4,613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3088% | 850 |
| Memoranda: | ||
| Average total assets | $50,292,800 | 4,557 |
| Average earning assets | $47,025,400 | 4,540 |
| Average equity | $3,733,000 | 4,724 |
| Average total loans | $16,829,600 | 4,617 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4295% | 3,014 |
| Cost of funding earning assets | 0.2340% | 3,270 |
| Net interest margin | 3.1955% | 2,741 |
| Noninterest income to average assets | 0.5070% | 2,596 |
| Noninterest expense to average assets | 4.1358% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.6557% | 4,843 |
| Return on assets (ROA) | -0.4433% | 4,830 |
| Pretax return on assets | -0.4433% | 4,828 |
| Return on Equity (ROE) | -5.8757% | 4,857 |
| Retained earnings to average equity (ytd only) | -5.8757% | 4,801 |
| Net charge-offs to loans | -0.0856% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.8406% | 77 |
| Assets per employee ($millions) | 3.3501% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2490% | 33 |
| Loan loss allowance to noncurrent loans | 250.8571% | 2,237 |
| Noncurrent assets plus other real estate owned to assets | 1.3393% | 416 |
| Noncurrent loans to loans | 2.0924% | 409 |
| Net loans and leases to total assets | 31.5390% | 4,551 |
| Net loans and leases to deposits | 34.0392% | 4,621 |
| Net loans and leases to core deposits | 35.4969% | 4,623 |
| Total domestic deposits to total assets | 92.6550% | 57 |
| Equity capital to assets | 7.2017% | 4,775 |
| Core capital (leverage) ratio | 7.1698% | 4,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5207% | 1,045 |
| Memoranda: | ||
| Average total assets | $50,226,750 | 4,621 |
| Average earning assets | $46,730,750 | 4,607 |
| Average equity | $3,789,500 | 4,788 |
| Average total loans | $17,133,750 | 4,680 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4508% | 3,028 |
| Cost of funding earning assets | 0.2361% | 3,422 |
| Net interest margin | 3.2148% | 2,713 |
| Noninterest income to average assets | 0.3903% | 3,157 |
| Noninterest expense to average assets | 4.1618% | 257 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.7886% | 4,891 |
| Return on assets (ROA) | -0.5894% | 4,880 |
| Pretax return on assets | -0.5894% | 4,875 |
| Return on Equity (ROE) | -7.6956% | 4,898 |
| Retained earnings to average equity (ytd only) | -7.6956% | 4,839 |
| Net charge-offs to loans | -0.0695% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.3766% | 70 |
| Assets per employee ($millions) | 3.6969% | 4,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2098% | 32 |
| Loan loss allowance to noncurrent loans | 317.4545% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 1.1554% | 610 |
| Noncurrent loans to loans | 1.6411% | 657 |
| Net loans and leases to total assets | 30.6902% | 4,630 |
| Net loans and leases to deposits | 33.1372% | 4,703 |
| Net loans and leases to core deposits | 34.5139% | 4,701 |
| Total domestic deposits to total assets | 92.6153% | 59 |
| Equity capital to assets | 7.1895% | 4,806 |
| Core capital (leverage) ratio | 7.3778% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1147% | 937 |
| Memoranda: | ||
| Average total assets | $50,218,333 | 4,650 |
| Average earning assets | $46,597,667 | 4,634 |
| Average equity | $3,846,333 | 4,813 |
| Average total loans | $17,269,333 | 4,712 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4764% | 2,993 |
| Cost of funding earning assets | 0.2434% | 3,533 |
| Net interest margin | 3.2331% | 2,594 |
| Noninterest income to average assets | -0.0728% | 4,957 |
| Noninterest expense to average assets | 4.3762% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.4399% | 4,940 |
| Return on assets (ROA) | -1.1406% | 4,934 |
| Pretax return on assets | -1.1406% | 4,934 |
| Return on Equity (ROE) | -14.4282% | 4,951 |
| Retained earnings to average equity (ytd only) | -14.4282% | 4,875 |
| Net charge-offs to loans | -0.0456% | 4,357 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.0358% | 33 |
| Assets per employee ($millions) | 3.7768% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9714% | 41 |
| Loan loss allowance to noncurrent loans | 194.8430% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.5642% | 387 |
| Noncurrent loans to loans | 2.5515% | 357 |
| Net loans and leases to total assets | 33.8323% | 4,579 |
| Net loans and leases to deposits | 36.5077% | 4,664 |
| Net loans and leases to core deposits | 38.1091% | 4,670 |
| Total domestic deposits to total assets | 92.6718% | 59 |
| Equity capital to assets | 7.2508% | 4,786 |
| Core capital (leverage) ratio | 7.7091% | 4,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8036% | 815 |
| Memoranda: | ||
| Average total assets | $49,449,500 | 4,678 |
| Average earning assets | $46,024,000 | 4,657 |
| Average equity | $3,909,000 | 4,830 |
| Average total loans | $17,525,500 | 4,735 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5792% | 3,854 |
| Cost of funding earning assets | 0.4052% | 3,546 |
| Net interest margin | 3.1740% | 3,423 |
| Noninterest income to average assets | 0.8368% | 1,435 |
| Noninterest expense to average assets | 4.1920% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.3889% | 4,861 |
| Return on assets (ROA) | -0.2810% | 4,847 |
| Pretax return on assets | -0.2810% | 4,838 |
| Return on Equity (ROE) | -3.3183% | 4,876 |
| Retained earnings to average equity (ytd only) | -3.3183% | 4,784 |
| Net charge-offs to loans | 0.0842% | 1,620 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | -12.7333% | 3,411 |
| Efficiency ratio | 110.2248% | 119 |
| Assets per employee ($millions) | 4.1501% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9343% | 41 |
| Loan loss allowance to noncurrent loans | 223.4536% | 2,157 |
| Noncurrent assets plus other real estate owned to assets | 1.6907% | 391 |
| Noncurrent loans to loans | 2.2082% | 490 |
| Net loans and leases to total assets | 33.5415% | 4,660 |
| Net loans and leases to deposits | 36.7363% | 4,728 |
| Net loans and leases to core deposits | 38.3198% | 4,732 |
| Total domestic deposits to total assets | 91.3034% | 157 |
| Equity capital to assets | 8.5500% | 4,414 |
| Core capital (leverage) ratio | 7.9537% | 4,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0273% | 658 |
| Memoranda: | ||
| Average total assets | $49,117,200 | 4,666 |
| Average earning assets | $45,904,400 | 4,653 |
| Average equity | $4,158,800 | 4,831 |
| Average total loans | $17,812,400 | 4,758 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6028% | 4,004 |
| Cost of funding earning assets | 0.4438% | 3,559 |
| Net interest margin | 3.1590% | 3,596 |
| Noninterest income to average assets | 0.7682% | 1,600 |
| Noninterest expense to average assets | 4.3121% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.5775% | 4,909 |
| Return on assets (ROA) | -0.4386% | 4,895 |
| Pretax return on assets | -0.4386% | 4,887 |
| Return on Equity (ROE) | -5.1926% | 4,917 |
| Retained earnings to average equity (ytd only) | -5.1926% | 4,850 |
| Net charge-offs to loans | 0.0895% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -17.6667% | 3,212 |
| Efficiency ratio | 115.4632% | 92 |
| Assets per employee ($millions) | 3.7772% | 4,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0292% | 41 |
| Loan loss allowance to noncurrent loans | 227.7487% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 1.7005% | 462 |
| Noncurrent loans to loans | 2.2082% | 525 |
| Net loans and leases to total assets | 33.4576% | 4,754 |
| Net loans and leases to deposits | 36.7580% | 4,815 |
| Net loans and leases to core deposits | 40.6106% | 4,775 |
| Total domestic deposits to total assets | 91.0211% | 170 |
| Equity capital to assets | 8.6775% | 4,349 |
| Core capital (leverage) ratio | 7.8671% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2174% | 649 |
| Memoranda: | ||
| Average total assets | $48,946,250 | 4,688 |
| Average earning assets | $45,963,250 | 4,670 |
| Average equity | $4,134,000 | 4,859 |
| Average total loans | $17,872,750 | 4,788 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6816% | 4,121 |
| Cost of funding earning assets | 0.4743% | 3,681 |
| Net interest margin | 3.2073% | 3,652 |
| Noninterest income to average assets | 0.6463% | 1,944 |
| Noninterest expense to average assets | 4.3809% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.7199% | 4,937 |
| Return on assets (ROA) | -0.6218% | 4,927 |
| Pretax return on assets | -0.6218% | 4,920 |
| Return on Equity (ROE) | -7.4297% | 4,961 |
| Retained earnings to average equity (ytd only) | -7.4297% | 4,859 |
| Net charge-offs to loans | 0.1218% | 1,114 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -16.0000% | 2,994 |
| Efficiency ratio | 119.6648% | 93 |
| Assets per employee ($millions) | 3.8079% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7140% | 44 |
| Loan loss allowance to noncurrent loans | 211.4078% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 1.7595% | 466 |
| Noncurrent loans to loans | 2.2298% | 565 |
| Net loans and leases to total assets | 35.5655% | 4,739 |
| Net loans and leases to deposits | 38.9867% | 4,814 |
| Net loans and leases to core deposits | 44.1497% | 4,751 |
| Total domestic deposits to total assets | 91.2248% | 110 |
| Equity capital to assets | 8.5409% | 4,452 |
| Core capital (leverage) ratio | 7.8923% | 4,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4021% | 728 |
| Memoranda: | ||
| Average total assets | $48,893,667 | 4,706 |
| Average earning assets | $45,958,333 | 4,686 |
| Average equity | $4,091,667 | 4,890 |
| Average total loans | $18,064,000 | 4,813 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8452% | 4,144 |
| Cost of funding earning assets | 0.5418% | 3,732 |
| Net interest margin | 3.3034% | 3,586 |
| Noninterest income to average assets | 0.4034% | 3,072 |
| Noninterest expense to average assets | 4.5031% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.9879% | 4,988 |
| Return on assets (ROA) | -0.9879% | 4,969 |
| Pretax return on assets | -0.9879% | 4,955 |
| Return on Equity (ROE) | -11.9299% | 5,015 |
| Retained earnings to average equity (ytd only) | -11.9299% | 4,828 |
| Net charge-offs to loans | 0.3360% | 430 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -8.0000% | 2,527 |
| Efficiency ratio | 128.1030% | 83 |
| Assets per employee ($millions) | 3.4750% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8452% | 45 |
| Loan loss allowance to noncurrent loans | 97.7452% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 2.7688% | 227 |
| Noncurrent loans to loans | 4.9570% | 126 |
| Net loans and leases to total assets | 34.9990% | 4,814 |
| Net loans and leases to deposits | 38.4175% | 4,860 |
| Net loans and leases to core deposits | 46.2803% | 4,767 |
| Total domestic deposits to total assets | 91.1017% | 99 |
| Equity capital to assets | 8.7605% | 4,711 |
| Core capital (leverage) ratio | 8.1067% | 4,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8661% | 761 |
| Memoranda: | ||
| Average total assets | $48,589,000 | 4,732 |
| Average earning assets | $45,771,000 | 4,709 |
| Average equity | $4,023,500 | 4,936 |
| Average total loans | $17,857,500 | 4,847 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0911% | 4,058 |
| Cost of funding earning assets | 0.5522% | 3,864 |
| Net interest margin | 3.5389% | 3,318 |
| Noninterest income to average assets | 1.5347% | 395 |
| Noninterest expense to average assets | 4.3441% | 357 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4967% | 4,411 |
| Return on assets (ROA) | 0.5478% | 4,353 |
| Pretax return on assets | 0.5478% | 4,496 |
| Return on Equity (ROE) | 7.4136% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.4136% | 1,202 |
| Net charge-offs to loans | -0.0288% | 4,704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7402% | 363 |
| Assets per employee ($millions) | 3.4663% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9492% | 34 |
| Loan loss allowance to noncurrent loans | 156.3830% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 2.4048% | 280 |
| Noncurrent loans to loans | 3.1648% | 281 |
| Net loans and leases to total assets | 34.9056% | 4,877 |
| Net loans and leases to deposits | 37.9602% | 4,938 |
| Net loans and leases to core deposits | 45.6011% | 4,841 |
| Total domestic deposits to total assets | 91.9531% | 41 |
| Equity capital to assets | 7.7996% | 5,081 |
| Core capital (leverage) ratio | 8.5551% | 4,814 |
| Tier 1 risk-based capital ratio | 20.2197% | 1,297 |
| Total risk-based capital ratio | 21.5088% | 1,265 |
| Memoranda: | ||
| Average total assets | $46,913,800 | 4,800 |
| Average earning assets | $43,826,800 | 4,787 |
| Average equity | $3,466,600 | 5,040 |
| Average total loans | $17,375,200 | 4,922 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 3,992 |
| Cost of funding earning assets | 0.5450% | 3,962 |
| Net interest margin | 3.6238% | 3,185 |
| Noninterest income to average assets | 1.6311% | 351 |
| Noninterest expense to average assets | 4.5121% | 296 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4931% | 4,533 |
| Return on assets (ROA) | 0.5619% | 4,435 |
| Pretax return on assets | 0.5619% | 4,607 |
| Return on Equity (ROE) | 7.7157% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.7157% | 1,532 |
| Net charge-offs to loans | -0.3089% | 5,157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1489% | 320 |
| Assets per employee ($millions) | 3.2560% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2556% | 33 |
| Loan loss allowance to noncurrent loans | 155.4237% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 2.6171% | 246 |
| Noncurrent loans to loans | 3.3815% | 255 |
| Net loans and leases to total assets | 36.2649% | 4,930 |
| Net loans and leases to deposits | 39.7170% | 5,003 |
| Net loans and leases to core deposits | 47.9980% | 4,876 |
| Total domestic deposits to total assets | 91.3084% | 71 |
| Equity capital to assets | 8.2310% | 5,083 |
| Core capital (leverage) ratio | 8.7507% | 4,803 |
| Tier 1 risk-based capital ratio | 20.8202% | 1,211 |
| Total risk-based capital ratio | 22.1156% | 1,185 |
| Memoranda: | ||
| Average total assets | $46,510,250 | 4,877 |
| Average earning assets | $43,304,750 | 4,864 |
| Average equity | $3,387,000 | 5,123 |
| Average total loans | $17,263,750 | 5,001 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 4,049 |
| Cost of funding earning assets | 0.5192% | 4,039 |
| Net interest margin | 3.6300% | 3,163 |
| Noninterest income to average assets | 1.7642% | 316 |
| Noninterest expense to average assets | 4.4939% | 309 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6450% | 4,183 |
| Return on assets (ROA) | 0.7262% | 3,974 |
| Pretax return on assets | 0.7262% | 4,270 |
| Return on Equity (ROE) | 10.4124% | 2,209 |
| Retained earnings to average equity (ytd only) | 10.4124% | 649 |
| Net charge-offs to loans | -0.4534% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4480% | 464 |
| Assets per employee ($millions) | 3.0599% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2364% | 27 |
| Loan loss allowance to noncurrent loans | 202.6549% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 2.3421% | 335 |
| Noncurrent loans to loans | 2.5839% | 442 |
| Net loans and leases to total assets | 36.1170% | 4,974 |
| Net loans and leases to deposits | 39.3828% | 5,060 |
| Net loans and leases to core deposits | 44.9095% | 4,985 |
| Total domestic deposits to total assets | 91.7077% | 52 |
| Equity capital to assets | 7.9786% | 5,177 |
| Core capital (leverage) ratio | 8.4641% | 4,975 |
| Tier 1 risk-based capital ratio | 20.7590% | 1,204 |
| Total risk-based capital ratio | 22.0538% | 1,184 |
| Memoranda: | ||
| Average total assets | $46,819,000 | 4,913 |
| Average earning assets | $43,526,000 | 4,905 |
| Average equity | $3,265,330 | 5,172 |
| Average total loans | $17,202,330 | 5,042 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0631% | 4,229 |
| Cost of funding earning assets | 0.4908% | 4,100 |
| Net interest margin | 3.5722% | 3,357 |
| Noninterest income to average assets | 2.1997% | 215 |
| Noninterest expense to average assets | 4.5009% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0237% | 2,765 |
| Return on assets (ROA) | 1.0237% | 2,804 |
| Pretax return on assets | 1.0237% | 3,369 |
| Return on Equity (ROE) | 15.7809% | 621 |
| Retained earnings to average equity (ytd only) | 15.7809% | 234 |
| Net charge-offs to loans | -0.2814% | 5,212 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4701% | 925 |
| Assets per employee ($millions) | 2.9503% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2356% | 30 |
| Loan loss allowance to noncurrent loans | 206.7442% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 2.2307% | 390 |
| Noncurrent loans to loans | 2.5324% | 512 |
| Net loans and leases to total assets | 34.0882% | 5,071 |
| Net loans and leases to deposits | 36.7794% | 5,135 |
| Net loans and leases to core deposits | 41.4481% | 5,089 |
| Total domestic deposits to total assets | 92.6828% | 30 |
| Equity capital to assets | 7.0545% | 5,307 |
| Core capital (leverage) ratio | 8.4016% | 5,060 |
| Tier 1 risk-based capital ratio | 20.9724% | 1,167 |
| Total risk-based capital ratio | 22.2647% | 1,143 |
| Memoranda: | ||
| Average total assets | $47,279,500 | 4,951 |
| Average earning assets | $44,006,000 | 4,943 |
| Average equity | $3,067,000 | 5,238 |
| Average total loans | $17,057,000 | 5,103 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 4,155 |
| Cost of funding earning assets | 0.4164% | 3,886 |
| Net interest margin | 3.5386% | 3,579 |
| Noninterest income to average assets | 0.9710% | 1,008 |
| Noninterest expense to average assets | 4.0640% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1615% | 5,137 |
| Return on assets (ROA) | 0.1615% | 5,130 |
| Pretax return on assets | 0.1615% | 5,140 |
| Return on Equity (ROE) | 2.8818% | 4,922 |
| Retained earnings to average equity (ytd only) | 2.8818% | 3,959 |
| Net charge-offs to loans | -0.1132% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1783% | 209 |
| Assets per employee ($millions) | 2.9597% | 5,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1185% | 30 |
| Loan loss allowance to noncurrent loans | 125.1070% | 3,047 |
| Noncurrent assets plus other real estate owned to assets | 3.1148% | 189 |
| Noncurrent loans to loans | 4.0913% | 178 |
| Net loans and leases to total assets | 34.3301% | 5,112 |
| Net loans and leases to deposits | 36.5597% | 5,184 |
| Net loans and leases to core deposits | 41.5674% | 5,136 |
| Total domestic deposits to total assets | 93.9014% | 14 |
| Equity capital to assets | 5.9212% | 5,382 |
| Core capital (leverage) ratio | 8.2077% | 5,169 |
| Tier 1 risk-based capital ratio | 19.6123% | 1,383 |
| Total risk-based capital ratio | 20.9011% | 1,342 |
| Memoranda: | ||
| Average total assets | $48,301,800 | 4,966 |
| Average earning assets | $44,424,000 | 4,969 |
| Average equity | $2,706,600 | 5,305 |
| Average total loans | $16,790,400 | 5,152 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8996% | 4,215 |
| Cost of funding earning assets | 0.4007% | 3,852 |
| Net interest margin | 3.4989% | 3,700 |
| Noninterest income to average assets | 1.2031% | 654 |
| Noninterest expense to average assets | 4.2165% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2005% | 5,194 |
| Return on assets (ROA) | 0.2005% | 5,189 |
| Pretax return on assets | 0.2005% | 5,204 |
| Return on Equity (ROE) | 3.6287% | 4,896 |
| Retained earnings to average equity (ytd only) | 3.6287% | 3,950 |
| Net charge-offs to loans | 0.0479% | 2,142 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 12.1663% | 2,470 |
| Efficiency ratio | 95.4602% | 211 |
| Assets per employee ($millions) | 2.8774% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1477% | 36 |
| Loan loss allowance to noncurrent loans | 157.1956% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 3.2190% | 206 |
| Noncurrent loans to loans | 3.2747% | 313 |
| Net loans and leases to total assets | 34.0994% | 5,200 |
| Net loans and leases to deposits | 36.1995% | 5,269 |
| Net loans and leases to core deposits | 41.2795% | 5,214 |
| Total domestic deposits to total assets | 94.1984% | 9 |
| Equity capital to assets | 5.3172% | 5,460 |
| Core capital (leverage) ratio | 8.1538% | 5,273 |
| Tier 1 risk-based capital ratio | 20.0853% | 1,321 |
| Total risk-based capital ratio | 21.3749% | 1,279 |
| Memoranda: | ||
| Average total assets | $48,538,500 | 5,018 |
| Average earning assets | $44,584,500 | 5,021 |
| Average equity | $2,682,250 | 5,376 |
| Average total loans | $16,704,500 | 5,219 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 4,132 |
| Cost of funding earning assets | 0.3799% | 3,872 |
| Net interest margin | 3.4983% | 3,631 |
| Noninterest income to average assets | 1.1950% | 671 |
| Noninterest expense to average assets | 4.1400% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2633% | 5,171 |
| Return on assets (ROA) | 0.2633% | 5,165 |
| Pretax return on assets | 0.2633% | 5,193 |
| Return on Equity (ROE) | 4.7096% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.7096% | 3,231 |
| Net charge-offs to loans | -0.1074% | 5,187 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0202% | 261 |
| Assets per employee ($millions) | 2.9691% | 5,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1938% | 34 |
| Loan loss allowance to noncurrent loans | 159.6685% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 3.1218% | 225 |
| Noncurrent loans to loans | 3.2529% | 323 |
| Net loans and leases to total assets | 33.3144% | 5,259 |
| Net loans and leases to deposits | 35.3606% | 5,332 |
| Net loans and leases to core deposits | 42.2906% | 5,233 |
| Total domestic deposits to total assets | 94.2132% | 12 |
| Equity capital to assets | 5.5110% | 5,519 |
| Core capital (leverage) ratio | 7.8232% | 5,393 |
| Tier 1 risk-based capital ratio | 19.8932% | 1,340 |
| Total risk-based capital ratio | 21.1838% | 1,302 |
| Memoranda: | ||
| Average total assets | $49,371,670 | 5,059 |
| Average earning assets | $45,279,000 | 5,060 |
| Average equity | $2,760,330 | 5,429 |
| Average total loans | $16,755,670 | 5,274 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 4,187 |
| Cost of funding earning assets | 0.3766% | 3,761 |
| Net interest margin | 3.4332% | 3,764 |
| Noninterest income to average assets | 1.3120% | 542 |
| Noninterest expense to average assets | 4.2222% | 396 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2067% | 5,232 |
| Return on assets (ROA) | 0.2067% | 5,230 |
| Pretax return on assets | 0.2067% | 5,255 |
| Return on Equity (ROE) | 3.6730% | 4,853 |
| Retained earnings to average equity (ytd only) | 3.6730% | 3,727 |
| Net charge-offs to loans | -0.1668% | 5,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3321% | 267 |
| Assets per employee ($millions) | 2.8570% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2024% | 34 |
| Loan loss allowance to noncurrent loans | 162.2889% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 3.6772% | 189 |
| Noncurrent loans to loans | 3.2056% | 353 |
| Net loans and leases to total assets | 32.4528% | 5,310 |
| Net loans and leases to deposits | 34.4239% | 5,388 |
| Net loans and leases to core deposits | 40.9882% | 5,286 |
| Total domestic deposits to total assets | 94.2741% | 15 |
| Equity capital to assets | 5.4994% | 5,579 |
| Core capital (leverage) ratio | 7.4710% | 5,516 |
| Tier 1 risk-based capital ratio | 19.0588% | 1,538 |
| Total risk-based capital ratio | 20.3492% | 1,487 |
| Memoranda: | ||
| Average total assets | $50,305,000 | 5,106 |
| Average earning assets | $45,672,000 | 5,118 |
| Average equity | $2,831,500 | 5,483 |
| Average total loans | $16,787,000 | 5,332 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7850% | 4,095 |
| Cost of funding earning assets | 0.3507% | 3,712 |
| Net interest margin | 3.4343% | 3,737 |
| Noninterest income to average assets | 1.3452% | 580 |
| Noninterest expense to average assets | 4.2970% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1327% | 5,217 |
| Return on assets (ROA) | 0.1109% | 5,251 |
| Pretax return on assets | 0.1109% | 5,368 |
| Return on Equity (ROE) | 1.8581% | 5,088 |
| Retained earnings to average equity (ytd only) | 1.8581% | 4,200 |
| Net charge-offs to loans | 0.3201% | 791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1.2182% | 3,914 |
| Efficiency ratio | 97.0036% | 230 |
| Assets per employee ($millions) | 3.4694% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0628% | 34 |
| Loan loss allowance to noncurrent loans | 186.1171% | 2,413 |
| Noncurrent assets plus other real estate owned to assets | 3.2936% | 221 |
| Noncurrent loans to loans | 2.7202% | 450 |
| Net loans and leases to total assets | 30.9160% | 5,422 |
| Net loans and leases to deposits | 32.8588% | 5,481 |
| Net loans and leases to core deposits | 37.3052% | 5,431 |
| Total domestic deposits to total assets | 94.0874% | 12 |
| Equity capital to assets | 5.7493% | 5,636 |
| Core capital (leverage) ratio | 7.7988% | 5,499 |
| Tier 1 risk-based capital ratio | 18.4036% | 1,678 |
| Total risk-based capital ratio | 19.6933% | 1,622 |
| Memoranda: | ||
| Average total assets | $50,477,400 | 5,146 |
| Average earning assets | $45,336,600 | 5,163 |
| Average equity | $3,013,800 | 5,528 |
| Average total loans | $17,182,200 | 5,380 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6465% | 4,453 |
| Cost of funding earning assets | 0.3567% | 3,605 |
| Net interest margin | 3.2898% | 4,202 |
| Noninterest income to average assets | 1.3177% | 607 |
| Noninterest expense to average assets | 4.3045% | 371 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0160% | 5,519 |
| Return on assets (ROA) | -0.0453% | 5,539 |
| Pretax return on assets | -0.0453% | 5,530 |
| Return on Equity (ROE) | -0.7508% | 5,549 |
| Retained earnings to average equity (ytd only) | -0.7508% | 5,325 |
| Net charge-offs to loans | 0.4408% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -0.1053% | 3,699 |
| Efficiency ratio | 100.3724% | 171 |
| Assets per employee ($millions) | 2.9974% | 5,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6994% | 47 |
| Loan loss allowance to noncurrent loans | 126.6272% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 5.2482% | 93 |
| Noncurrent loans to loans | 3.7112% | 284 |
| Net loans and leases to total assets | 36.1955% | 5,337 |
| Net loans and leases to deposits | 38.8240% | 5,444 |
| Net loans and leases to core deposits | 44.3409% | 5,358 |
| Total domestic deposits to total assets | 93.2296% | 20 |
| Equity capital to assets | 6.5076% | 5,688 |
| Core capital (leverage) ratio | 7.5958% | 5,610 |
| Tier 1 risk-based capital ratio | 16.9347% | 2,173 |
| Total risk-based capital ratio | 18.2158% | 2,120 |
| Memoranda: | ||
| Average total assets | $50,086,500 | 5,210 |
| Average earning assets | $45,230,000 | 5,222 |
| Average equity | $3,019,250 | 5,589 |
| Average total loans | $17,241,000 | 5,437 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 4,379 |
| Cost of funding earning assets | 0.3536% | 3,545 |
| Net interest margin | 3.2917% | 4,135 |
| Noninterest income to average assets | 1.2639% | 646 |
| Noninterest expense to average assets | 4.0948% | 473 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.1378% | 5,457 |
| Return on assets (ROA) | 0.1378% | 5,459 |
| Pretax return on assets | 0.1378% | 5,479 |
| Return on Equity (ROE) | 2.3448% | 5,269 |
| Retained earnings to average equity (ytd only) | 2.3448% | 4,277 |
| Net charge-offs to loans | 0.2128% | 960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1.9444% | 3,229 |
| Efficiency ratio | 96.7442% | 240 |
| Assets per employee ($millions) | 2.8591% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2202% | 34 |
| Loan loss allowance to noncurrent loans | 135.8118% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 5.2855% | 92 |
| Noncurrent loans to loans | 3.8437% | 263 |
| Net loans and leases to total assets | 33.4328% | 5,469 |
| Net loans and leases to deposits | 35.8965% | 5,542 |
| Net loans and leases to core deposits | 40.6138% | 5,482 |
| Total domestic deposits to total assets | 93.1365% | 23 |
| Equity capital to assets | 6.7112% | 5,726 |
| Core capital (leverage) ratio | 7.3407% | 5,674 |
| Tier 1 risk-based capital ratio | 17.9289% | 1,875 |
| Total risk-based capital ratio | 19.2173% | 1,821 |
| Memoranda: | ||
| Average total assets | $50,795,670 | 5,236 |
| Average earning assets | $45,812,330 | 5,244 |
| Average equity | $2,985,330 | 5,639 |
| Average total loans | $16,916,330 | 5,496 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5018% | 4,689 |
| Cost of funding earning assets | 0.3528% | 3,496 |
| Net interest margin | 3.1490% | 4,507 |
| Noninterest income to average assets | 1.2256% | 685 |
| Noninterest expense to average assets | 4.0084% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0385% | 5,581 |
| Return on assets (ROA) | 0.0385% | 5,586 |
| Pretax return on assets | 0.0385% | 5,578 |
| Return on Equity (ROE) | 0.7025% | 5,540 |
| Retained earnings to average equity (ytd only) | 0.7025% | 4,749 |
| Net charge-offs to loans | -0.2619% | 5,667 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0476% | 238 |
| Assets per employee ($millions) | 3.1751% | 5,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4882% | 34 |
| Loan loss allowance to noncurrent loans | 123.5294% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 5.2321% | 105 |
| Noncurrent loans to loans | 4.4429% | 212 |
| Net loans and leases to total assets | 31.3216% | 5,557 |
| Net loans and leases to deposits | 33.3389% | 5,627 |
| Net loans and leases to core deposits | 37.7321% | 5,582 |
| Total domestic deposits to total assets | 93.9491% | 16 |
| Equity capital to assets | 5.8521% | 5,814 |
| Core capital (leverage) ratio | 7.0605% | 5,764 |
| Tier 1 risk-based capital ratio | 17.8659% | 1,920 |
| Total risk-based capital ratio | 19.1550% | 1,865 |
| Memoranda: | ||
| Average total assets | $51,891,000 | 5,271 |
| Average earning assets | $46,491,000 | 5,285 |
| Average equity | $2,847,000 | 5,712 |
| Average total loans | $16,802,000 | 5,556 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7010% | 4,200 |
| Cost of funding earning assets | 0.3353% | 3,691 |
| Net interest margin | 3.3657% | 3,935 |
| Noninterest income to average assets | 1.4157% | 576 |
| Noninterest expense to average assets | 4.1042% | 529 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3361% | 5,122 |
| Return on assets (ROA) | 0.5427% | 4,560 |
| Pretax return on assets | 0.5427% | 4,940 |
| Return on Equity (ROE) | 8.6054% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.6054% | 664 |
| Net charge-offs to loans | 0.1592% | 1,684 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 6.2143% | 3,214 |
| Efficiency ratio | 92.4315% | 445 |
| Assets per employee ($millions) | 2.9433% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4449% | 34 |
| Loan loss allowance to noncurrent loans | 112.9950% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 5.1491% | 118 |
| Noncurrent loans to loans | 4.8187% | 170 |
| Net loans and leases to total assets | 29.9264% | 5,644 |
| Net loans and leases to deposits | 31.5918% | 5,717 |
| Net loans and leases to core deposits | 35.9467% | 5,674 |
| Total domestic deposits to total assets | 94.7282% | 13 |
| Equity capital to assets | 5.1359% | 5,874 |
| Core capital (leverage) ratio | 7.1604% | 5,797 |
| Tier 1 risk-based capital ratio | 17.1441% | 2,112 |
| Total risk-based capital ratio | 18.4302% | 2,057 |
| Memoranda: | ||
| Average total assets | $51,776,200 | 5,311 |
| Average earning assets | $46,527,800 | 5,322 |
| Average equity | $3,265,400 | 5,730 |
| Average total loans | $17,593,000 | 5,591 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7491% | 4,084 |
| Cost of funding earning assets | 0.3320% | 3,762 |
| Net interest margin | 3.4171% | 3,790 |
| Noninterest income to average assets | 1.3909% | 614 |
| Noninterest expense to average assets | 4.0743% | 538 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4092% | 4,985 |
| Return on assets (ROA) | 0.6734% | 4,110 |
| Pretax return on assets | 0.6734% | 4,681 |
| Return on Equity (ROE) | 10.1914% | 1,977 |
| Retained earnings to average equity (ytd only) | 10.1914% | 541 |
| Net charge-offs to loans | 0.1198% | 1,753 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 9.8762% | 2,643 |
| Efficiency ratio | 90.8723% | 521 |
| Assets per employee ($millions) | 2.8016% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2334% | 38 |
| Loan loss allowance to noncurrent loans | 100.8724% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 6.3039% | 93 |
| Noncurrent loans to loans | 5.1881% | 156 |
| Net loans and leases to total assets | 33.2150% | 5,650 |
| Net loans and leases to deposits | 35.9929% | 5,728 |
| Net loans and leases to core deposits | 40.5756% | 5,665 |
| Total domestic deposits to total assets | 92.2822% | 58 |
| Equity capital to assets | 7.4243% | 5,850 |
| Core capital (leverage) ratio | 7.2878% | 5,852 |
| Tier 1 risk-based capital ratio | 16.9262% | 2,248 |
| Total risk-based capital ratio | 18.2124% | 2,199 |
| Memoranda: | ||
| Average total assets | $51,475,250 | 5,367 |
| Average earning assets | $46,588,250 | 5,371 |
| Average equity | $3,401,500 | 5,773 |
| Average total loans | $17,799,250 | 5,638 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 4,024 |
| Cost of funding earning assets | 0.3224% | 3,873 |
| Net interest margin | 3.4577% | 3,653 |
| Noninterest income to average assets | 1.3546% | 623 |
| Noninterest expense to average assets | 4.0290% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4708% | 4,795 |
| Return on assets (ROA) | 0.8066% | 3,413 |
| Pretax return on assets | 0.8066% | 4,261 |
| Return on Equity (ROE) | 12.7155% | 1,097 |
| Retained earnings to average equity (ytd only) | 12.7155% | 249 |
| Net charge-offs to loans | 0.1009% | 1,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.5556% | 2,119 |
| Efficiency ratio | 89.5369% | 626 |
| Assets per employee ($millions) | 2.7593% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2825% | 40 |
| Loan loss allowance to noncurrent loans | 70.2336% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 7.2260% | 72 |
| Noncurrent loans to loans | 7.5214% | 81 |
| Net loans and leases to total assets | 33.6454% | 5,692 |
| Net loans and leases to deposits | 36.3900% | 5,782 |
| Net loans and leases to core deposits | 40.1494% | 5,737 |
| Total domestic deposits to total assets | 92.4579% | 53 |
| Equity capital to assets | 7.2038% | 5,951 |
| Core capital (leverage) ratio | 7.1113% | 5,934 |
| Tier 1 risk-based capital ratio | 16.1258% | 2,579 |
| Total risk-based capital ratio | 17.4139% | 2,513 |
| Memoranda: | ||
| Average total assets | $51,824,000 | 5,420 |
| Average earning assets | $47,141,330 | 5,420 |
| Average equity | $3,287,330 | 5,854 |
| Average total loans | $17,840,670 | 5,704 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6001% | 4,610 |
| Cost of funding earning assets | 0.3235% | 3,909 |
| Net interest margin | 3.2766% | 4,311 |
| Noninterest income to average assets | 1.2249% | 720 |
| Noninterest expense to average assets | 3.8864% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3251% | 5,224 |
| Return on assets (ROA) | 0.8015% | 3,358 |
| Pretax return on assets | 0.8015% | 4,189 |
| Return on Equity (ROE) | 13.4946% | 933 |
| Retained earnings to average equity (ytd only) | 13.4946% | 355 |
| Net charge-offs to loans | -0.1784% | 5,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2801% | 532 |
| Assets per employee ($millions) | 2.9980% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3652% | 42 |
| Loan loss allowance to noncurrent loans | 57.9365% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 7.6522% | 79 |
| Noncurrent loans to loans | 9.2605% | 49 |
| Net loans and leases to total assets | 32.8435% | 5,762 |
| Net loans and leases to deposits | 35.3121% | 5,843 |
| Net loans and leases to core deposits | 38.6100% | 5,803 |
| Total domestic deposits to total assets | 93.0091% | 43 |
| Equity capital to assets | 6.5416% | 6,042 |
| Core capital (leverage) ratio | 6.5999% | 6,024 |
| Tier 1 risk-based capital ratio | 15.8756% | 2,748 |
| Total risk-based capital ratio | 17.1630% | 2,663 |
| Memoranda: | ||
| Average total assets | $52,902,000 | 5,449 |
| Average earning assets | $48,220,500 | 5,443 |
| Average equity | $3,142,000 | 5,929 |
| Average total loans | $17,939,500 | 5,754 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8461% | 3,898 |
| Cost of funding earning assets | 0.4184% | 2,962 |
| Net interest margin | 3.4278% | 3,807 |
| Noninterest income to average assets | 1.3982% | 618 |
| Noninterest expense to average assets | 4.8837% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.4446% | 6,032 |
| Return on assets (ROA) | -0.3895% | 6,026 |
| Pretax return on assets | -0.3895% | 6,012 |
| Return on Equity (ROE) | -6.7706% | 6,069 |
| Retained earnings to average equity (ytd only) | -6.7706% | 5,971 |
| Net charge-offs to loans | 0.3755% | 772 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -3.1842% | 4,377 |
| Efficiency ratio | 110.0166% | 140 |
| Assets per employee ($millions) | 3.0466% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1729% | 45 |
| Loan loss allowance to noncurrent loans | 58.1942% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 7.1666% | 96 |
| Noncurrent loans to loans | 8.8890% | 58 |
| Net loans and leases to total assets | 31.4563% | 5,850 |
| Net loans and leases to deposits | 33.3921% | 5,943 |
| Net loans and leases to core deposits | 36.0411% | 5,921 |
| Total domestic deposits to total assets | 94.2029% | 23 |
| Equity capital to assets | 5.3795% | 6,136 |
| Core capital (leverage) ratio | 6.5180% | 6,093 |
| Tier 1 risk-based capital ratio | 14.8458% | 3,246 |
| Total risk-based capital ratio | 16.1319% | 3,165 |
| Memoranda: | ||
| Average total assets | $54,426,000 | 5,445 |
| Average earning assets | $48,282,400 | 5,475 |
| Average equity | $3,131,200 | 5,982 |
| Average total loans | $20,238,200 | 5,711 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9227% | 3,672 |
| Cost of funding earning assets | 0.4436% | 2,755 |
| Net interest margin | 3.4791% | 3,629 |
| Noninterest income to average assets | 1.4334% | 610 |
| Noninterest expense to average assets | 5.0192% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.5252% | 6,141 |
| Return on assets (ROA) | -0.4516% | 6,134 |
| Pretax return on assets | -0.4516% | 6,126 |
| Return on Equity (ROE) | -7.7233% | 6,162 |
| Retained earnings to average equity (ytd only) | -7.7233% | 6,088 |
| Net charge-offs to loans | 0.1606% | 1,539 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -8.5608% | 4,140 |
| Efficiency ratio | 111.6876% | 134 |
| Assets per employee ($millions) | 2.9922% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1372% | 55 |
| Loan loss allowance to noncurrent loans | 56.2997% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 8.1564% | 77 |
| Noncurrent loans to loans | 9.1248% | 51 |
| Net loans and leases to total assets | 36.0109% | 5,783 |
| Net loans and leases to deposits | 38.5935% | 5,911 |
| Net loans and leases to core deposits | 41.7086% | 5,859 |
| Total domestic deposits to total assets | 93.3082% | 40 |
| Equity capital to assets | 6.1630% | 6,195 |
| Core capital (leverage) ratio | 6.6264% | 6,161 |
| Tier 1 risk-based capital ratio | 14.7395% | 3,418 |
| Total risk-based capital ratio | 16.0277% | 3,352 |
| Memoranda: | ||
| Average total assets | $54,323,000 | 5,517 |
| Average earning assets | $47,788,500 | 5,555 |
| Average equity | $3,176,500 | 6,052 |
| Average total loans | $20,750,000 | 5,757 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 3,386 |
| Cost of funding earning assets | 0.4613% | 2,596 |
| Net interest margin | 3.5155% | 3,438 |
| Noninterest income to average assets | 1.5467% | 536 |
| Noninterest expense to average assets | 5.2024% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.6057% | 6,207 |
| Return on assets (ROA) | -0.5119% | 6,203 |
| Pretax return on assets | -0.5119% | 6,191 |
| Return on Equity (ROE) | -8.9019% | 6,248 |
| Retained earnings to average equity (ytd only) | -8.9019% | 6,154 |
| Net charge-offs to loans | 0.3109% | 850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -5.0909% | 3,820 |
| Efficiency ratio | 113.1765% | 148 |
| Assets per employee ($millions) | 3.0103% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8084% | 67 |
| Loan loss allowance to noncurrent loans | 51.4644% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 8.8461% | 75 |
| Noncurrent loans to loans | 9.3432% | 62 |
| Net loans and leases to total assets | 38.0655% | 5,737 |
| Net loans and leases to deposits | 40.5108% | 5,887 |
| Net loans and leases to core deposits | 43.4851% | 5,849 |
| Total domestic deposits to total assets | 93.9638% | 34 |
| Equity capital to assets | 5.8095% | 6,276 |
| Core capital (leverage) ratio | 6.4472% | 6,248 |
| Tier 1 risk-based capital ratio | 13.8635% | 3,997 |
| Total risk-based capital ratio | 15.1492% | 3,918 |
| Memoranda: | ||
| Average total assets | $55,474,670 | 5,552 |
| Average earning assets | $48,129,670 | 5,603 |
| Average equity | $3,190,330 | 6,111 |
| Average total loans | $21,230,000 | 5,802 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,259 |
| Cost of funding earning assets | 0.4857% | 2,414 |
| Net interest margin | 3.2460% | 4,439 |
| Noninterest income to average assets | 1.2148% | 769 |
| Noninterest expense to average assets | 5.5532% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.5549% | 6,353 |
| Return on assets (ROA) | -1.5549% | 6,355 |
| Pretax return on assets | -1.5549% | 6,350 |
| Return on Equity (ROE) | -27.1597% | 6,376 |
| Retained earnings to average equity (ytd only) | -27.1597% | 6,329 |
| Net charge-offs to loans | 0.3331% | 729 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -12.4444% | 3,251 |
| Efficiency ratio | 138.8889% | 65 |
| Assets per employee ($millions) | 2.6531% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6368% | 83 |
| Loan loss allowance to noncurrent loans | 47.2564% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 8.1251% | 97 |
| Noncurrent loans to loans | 9.8120% | 63 |
| Net loans and leases to total assets | 36.8763% | 5,781 |
| Net loans and leases to deposits | 39.3609% | 5,936 |
| Net loans and leases to core deposits | 42.2253% | 5,897 |
| Total domestic deposits to total assets | 93.6876% | 36 |
| Equity capital to assets | 6.0001% | 6,337 |
| Core capital (leverage) ratio | 5.7981% | 6,338 |
| Tier 1 risk-based capital ratio | 12.2850% | 5,057 |
| Total risk-based capital ratio | 13.5639% | 4,950 |
| Memoranda: | ||
| Average total assets | $57,624,500 | 5,552 |
| Average earning assets | $49,414,000 | 5,627 |
| Average equity | $3,299,000 | 6,149 |
| Average total loans | $21,613,000 | 5,835 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2834% | 2,668 |
| Cost of funding earning assets | 0.5715% | 2,034 |
| Net interest margin | 3.7119% | 2,965 |
| Noninterest income to average assets | 1.0091% | 1,193 |
| Noninterest expense to average assets | 4.5957% | 424 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.4838% | 6,290 |
| Return on assets (ROA) | -0.4838% | 6,293 |
| Pretax return on assets | -0.4838% | 6,284 |
| Return on Equity (ROE) | -9.4600% | 6,354 |
| Retained earnings to average equity (ytd only) | -9.4600% | 6,300 |
| Net charge-offs to loans | -1.2494% | 6,452 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7669% | 195 |
| Assets per employee ($millions) | 2.3966% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6673% | 82 |
| Loan loss allowance to noncurrent loans | 53.8951% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 10.3211% | 83 |
| Noncurrent loans to loans | 8.6599% | 92 |
| Net loans and leases to total assets | 34.6702% | 6,009 |
| Net loans and leases to deposits | 37.0252% | 6,135 |
| Net loans and leases to core deposits | 39.5179% | 6,108 |
| Total domestic deposits to total assets | 93.6394% | 44 |
| Equity capital to assets | 6.1252% | 6,404 |
| Core capital (leverage) ratio | 6.5235% | 6,363 |
| Tier 1 risk-based capital ratio | 13.2171% | 4,576 |
| Total risk-based capital ratio | 14.0593% | 4,764 |
| Memoranda: | ||
| Average total assets | $65,105,000 | 5,419 |
| Average earning assets | $54,419,800 | 5,561 |
| Average equity | $3,329,800 | 6,212 |
| Average total loans | $26,491,800 | 5,724 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3754% | 2,325 |
| Cost of funding earning assets | 0.5835% | 1,985 |
| Net interest margin | 3.7918% | 2,647 |
| Noninterest income to average assets | 0.9397% | 1,396 |
| Noninterest expense to average assets | 4.6021% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.4919% | 6,366 |
| Return on assets (ROA) | -0.4919% | 6,364 |
| Pretax return on assets | -0.4919% | 6,355 |
| Return on Equity (ROE) | -10.0673% | 6,443 |
| Retained earnings to average equity (ytd only) | -10.0673% | 6,375 |
| Net charge-offs to loans | -1.6818% | 6,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9687% | 198 |
| Assets per employee ($millions) | 2.5480% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0686% | 155 |
| Loan loss allowance to noncurrent loans | 48.9130% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 10.5873% | 83 |
| Noncurrent loans to loans | 8.3179% | 113 |
| Net loans and leases to total assets | 38.3114% | 5,925 |
| Net loans and leases to deposits | 40.6632% | 6,097 |
| Net loans and leases to core deposits | 43.0186% | 6,081 |
| Total domestic deposits to total assets | 94.2165% | 36 |
| Equity capital to assets | 5.4506% | 6,507 |
| Core capital (leverage) ratio | 6.3274% | 6,451 |
| Tier 1 risk-based capital ratio | 11.9865% | 5,497 |
| Total risk-based capital ratio | 12.8495% | 5,655 |
| Memoranda: | ||
| Average total assets | $66,402,250 | 5,441 |
| Average earning assets | $55,521,500 | 5,596 |
| Average equity | $3,244,750 | 6,297 |
| Average total loans | $27,667,250 | 5,720 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 3,218 |
| Cost of funding earning assets | 0.5878% | 1,999 |
| Net interest margin | 3.5447% | 3,596 |
| Noninterest income to average assets | 0.9420% | 1,352 |
| Noninterest expense to average assets | 4.6773% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.7607% | 6,496 |
| Return on assets (ROA) | -0.7607% | 6,496 |
| Pretax return on assets | -0.7607% | 6,482 |
| Return on Equity (ROE) | -16.1565% | 6,560 |
| Retained earnings to average equity (ytd only) | -16.1565% | 6,511 |
| Net charge-offs to loans | -0.5350% | 6,519 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.4234% | 147 |
| Assets per employee ($millions) | 2.8180% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7575% | 496 |
| Loan loss allowance to noncurrent loans | 21.4648% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 12.4848% | 57 |
| Noncurrent loans to loans | 12.8465% | 43 |
| Net loans and leases to total assets | 41.4595% | 5,712 |
| Net loans and leases to deposits | 43.8698% | 5,992 |
| Net loans and leases to core deposits | 47.0086% | 5,950 |
| Total domestic deposits to total assets | 94.5059% | 35 |
| Equity capital to assets | 5.1439% | 6,580 |
| Core capital (leverage) ratio | 6.0911% | 6,528 |
| Tier 1 risk-based capital ratio | 11.1817% | 5,968 |
| Total risk-based capital ratio | 12.0716% | 6,069 |
| Memoranda: | ||
| Average total assets | $67,303,330 | 5,465 |
| Average earning assets | $56,479,000 | 5,598 |
| Average equity | $3,169,000 | 6,352 |
| Average total loans | $28,410,000 | 5,725 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 3,085 |
| Cost of funding earning assets | 0.5925% | 2,044 |
| Net interest margin | 3.5552% | 3,456 |
| Noninterest income to average assets | 0.9337% | 1,297 |
| Noninterest expense to average assets | 3.9914% | 769 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0817% | 6,272 |
| Return on assets (ROA) | -0.0817% | 6,282 |
| Pretax return on assets | -0.0817% | 6,275 |
| Return on Equity (ROE) | -1.8144% | 6,349 |
| Retained earnings to average equity (ytd only) | -1.8144% | 5,839 |
| Net charge-offs to loans | 0.3195% | 1,112 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.6087% | 3,490 |
| Efficiency ratio | 102.0896% | 426 |
| Assets per employee ($millions) | 2.8255% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3833% | 933 |
| Loan loss allowance to noncurrent loans | 19.9398% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 12.4655% | 69 |
| Noncurrent loans to loans | 11.9523% | 63 |
| Net loans and leases to total assets | 40.0466% | 5,803 |
| Net loans and leases to deposits | 42.2057% | 6,068 |
| Net loans and leases to core deposits | 45.0707% | 6,034 |
| Total domestic deposits to total assets | 94.8843% | 37 |
| Equity capital to assets | 4.7500% | 6,649 |
| Core capital (leverage) ratio | 6.2926% | 6,554 |
| Tier 1 risk-based capital ratio | 11.6130% | 5,852 |
| Total risk-based capital ratio | 12.4797% | 6,004 |
| Memoranda: | ||
| Average total assets | $68,547,500 | 5,489 |
| Average earning assets | $57,380,000 | 5,627 |
| Average equity | $3,086,500 | 6,427 |
| Average total loans | $28,798,000 | 5,758 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5667% | 1,970 |
| Cost of funding earning assets | 0.6460% | 2,238 |
| Net interest margin | 3.9207% | 2,219 |
| Noninterest income to average assets | 1.8859% | 428 |
| Noninterest expense to average assets | 5.5619% | 237 |
| Loan and lease loss provision to assets | 0.6687% | 348 |
| Net operating income to assets | -1.0769% | 6,621 |
| Return on assets (ROA) | -0.9723% | 6,604 |
| Pretax return on assets | -0.9723% | 6,588 |
| Return on Equity (ROE) | -15.4656% | 6,649 |
| Retained earnings to average equity (ytd only) | -15.4656% | 6,622 |
| Net charge-offs to loans | 1.7041% | 252 |
| Credit loss provision to net charge-offs | 86.0037% | 2,876 |
| Earnings coverage of net charge-offs (x) | -0.5249% | 5,201 |
| Efficiency ratio | 107.9189% | 306 |
| Assets per employee ($millions) | 3.2992% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3038% | 1,036 |
| Loan loss allowance to noncurrent loans | 22.6627% | 6,119 |
| Noncurrent assets plus other real estate owned to assets | 12.3506% | 75 |
| Noncurrent loans to loans | 10.1656% | 109 |
| Net loans and leases to total assets | 41.9880% | 5,827 |
| Net loans and leases to deposits | 43.9826% | 6,122 |
| Net loans and leases to core deposits | 46.8809% | 6,101 |
| Total domestic deposits to total assets | 95.4650% | 36 |
| Equity capital to assets | 4.2607% | 6,735 |
| Core capital (leverage) ratio | 6.3132% | 6,619 |
| Tier 1 risk-based capital ratio | 11.0254% | 6,162 |
| Total risk-based capital ratio | 11.9532% | 6,253 |
| Memoranda: | ||
| Average total assets | $69,832,400 | 5,485 |
| Average earning assets | $58,204,000 | 5,652 |
| Average equity | $4,390,400 | 6,238 |
| Average total loans | $31,863,400 | 5,676 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6309% | 1,798 |
| Cost of funding earning assets | 0.6554% | 2,318 |
| Net interest margin | 3.9756% | 2,020 |
| Noninterest income to average assets | 2.3686% | 321 |
| Noninterest expense to average assets | 4.8458% | 380 |
| Loan and lease loss provision to assets | 0.8137% | 234 |
| Net operating income to assets | 0.0267% | 6,262 |
| Return on assets (ROA) | 0.1658% | 6,069 |
| Pretax return on assets | 0.1658% | 6,105 |
| Return on Equity (ROE) | 2.4421% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.4421% | 4,865 |
| Net charge-offs to loans | 2.0091% | 186 |
| Credit loss provision to net charge-offs | 87.5000% | 2,680 |
| Earnings coverage of net charge-offs (x) | 0.9037% | 4,549 |
| Efficiency ratio | 85.2212% | 1,441 |
| Assets per employee ($millions) | 2.9710% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2311% | 1,284 |
| Loan loss allowance to noncurrent loans | 18.1324% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 14.3969% | 56 |
| Noncurrent loans to loans | 12.3047% | 71 |
| Net loans and leases to total assets | 44.9527% | 5,633 |
| Net loans and leases to deposits | 47.8205% | 5,974 |
| Net loans and leases to core deposits | 51.0715% | 5,944 |
| Total domestic deposits to total assets | 94.0030% | 69 |
| Equity capital to assets | 5.6253% | 6,725 |
| Core capital (leverage) ratio | 7.5136% | 6,442 |
| Tier 1 risk-based capital ratio | 12.3369% | 5,550 |
| Total risk-based capital ratio | 13.2669% | 5,710 |
| Memoranda: | ||
| Average total assets | $69,969,500 | 5,532 |
| Average earning assets | $58,388,250 | 5,701 |
| Average equity | $4,750,000 | 6,207 |
| Average total loans | $32,385,000 | 5,706 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 2,575 |
| Cost of funding earning assets | 0.6590% | 2,415 |
| Net interest margin | 3.7377% | 2,815 |
| Noninterest income to average assets | 2.9582% | 261 |
| Noninterest expense to average assets | 5.2897% | 292 |
| Loan and lease loss provision to assets | 1.2139% | 133 |
| Net operating income to assets | -0.4084% | 6,607 |
| Return on assets (ROA) | -0.2014% | 6,523 |
| Pretax return on assets | -0.2014% | 6,494 |
| Return on Equity (ROE) | -2.8108% | 6,568 |
| Retained earnings to average equity (ytd only) | -2.8108% | 6,284 |
| Net charge-offs to loans | 3.0024% | 100 |
| Credit loss provision to net charge-offs | 87.1690% | 2,496 |
| Earnings coverage of net charge-offs (x) | 0.5784% | 4,341 |
| Efficiency ratio | 86.7846% | 1,337 |
| Assets per employee ($millions) | 2.9563% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2055% | 1,409 |
| Loan loss allowance to noncurrent loans | 20.5588% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 13.3041% | 79 |
| Noncurrent loans to loans | 10.7276% | 131 |
| Net loans and leases to total assets | 45.5849% | 5,581 |
| Net loans and leases to deposits | 48.8703% | 5,929 |
| Net loans and leases to core deposits | 52.4503% | 5,857 |
| Total domestic deposits to total assets | 93.2773% | 105 |
| Equity capital to assets | 6.2858% | 6,717 |
| Core capital (leverage) ratio | 6.9949% | 6,614 |
| Tier 1 risk-based capital ratio | 12.0823% | 5,746 |
| Total risk-based capital ratio | 13.0001% | 5,916 |
| Memoranda: | ||
| Average total assets | $70,514,670 | 5,554 |
| Average earning assets | $59,181,000 | 5,719 |
| Average equity | $5,052,000 | 6,166 |
| Average total loans | $32,707,000 | 5,726 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2158% | 3,229 |
| Cost of funding earning assets | 0.6751% | 2,437 |
| Net interest margin | 3.5407% | 3,519 |
| Noninterest income to average assets | 4.7760% | 154 |
| Noninterest expense to average assets | 6.2417% | 192 |
| Loan and lease loss provision to assets | 0.8471% | 250 |
| Net operating income to assets | 0.6688% | 3,855 |
| Return on assets (ROA) | 0.9195% | 2,712 |
| Pretax return on assets | 0.9195% | 3,690 |
| Return on Equity (ROE) | 12.1301% | 1,384 |
| Retained earnings to average equity (ytd only) | 12.1301% | 686 |
| Net charge-offs to loans | 1.9390% | 247 |
| Credit loss provision to net charge-offs | 94.4099% | 1,947 |
| Earnings coverage of net charge-offs (x) | 1.6894% | 3,268 |
| Efficiency ratio | 80.4598% | 2,261 |
| Assets per employee ($millions) | 3.2273% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3124% | 1,393 |
| Loan loss allowance to noncurrent loans | 14.8316% | 6,442 |
| Noncurrent assets plus other real estate owned to assets | 15.4690% | 68 |
| Noncurrent loans to loans | 15.5913% | 65 |
| Net loans and leases to total assets | 44.8028% | 5,579 |
| Net loans and leases to deposits | 48.7846% | 5,865 |
| Net loans and leases to core deposits | 52.2538% | 5,802 |
| Total domestic deposits to total assets | 91.8380% | 277 |
| Equity capital to assets | 7.6113% | 6,557 |
| Core capital (leverage) ratio | 7.1769% | 6,589 |
| Tier 1 risk-based capital ratio | 12.2186% | 5,777 |
| Total risk-based capital ratio | 13.1638% | 5,937 |
| Memoranda: | ||
| Average total assets | $71,775,000 | 5,571 |
| Average earning assets | $60,439,500 | 5,732 |
| Average equity | $5,441,000 | 6,124 |
| Average total loans | $33,213,500 | 5,738 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 3,390 |
| Cost of funding earning assets | 0.8454% | 2,322 |
| Net interest margin | 3.6545% | 3,854 |
| Noninterest income to average assets | 0.7472% | 2,511 |
| Noninterest expense to average assets | 4.9036% | 406 |
| Loan and lease loss provision to assets | 0.9644% | 443 |
| Net operating income to assets | -1.8145% | 6,911 |
| Return on assets (ROA) | -1.5604% | 6,886 |
| Pretax return on assets | -1.7065% | 6,893 |
| Return on Equity (ROE) | -19.2904% | 6,871 |
| Retained earnings to average equity (ytd only) | -19.2904% | 6,835 |
| Net charge-offs to loans | 1.0723% | 996 |
| Credit loss provision to net charge-offs | 197.3545% | 1,319 |
| Earnings coverage of net charge-offs (x) | -2.0899% | 5,836 |
| Efficiency ratio | 126.3070% | 169 |
| Assets per employee ($millions) | 3.1543% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2502% | 1,457 |
| Loan loss allowance to noncurrent loans | 18.4014% | 6,426 |
| Noncurrent assets plus other real estate owned to assets | 13.4363% | 104 |
| Noncurrent loans to loans | 12.2283% | 146 |
| Net loans and leases to total assets | 45.6265% | 5,656 |
| Net loans and leases to deposits | 49.5316% | 5,989 |
| Net loans and leases to core deposits | 52.9598% | 5,945 |
| Total domestic deposits to total assets | 92.1158% | 225 |
| Equity capital to assets | 7.5507% | 6,611 |
| Core capital (leverage) ratio | 6.7180% | 6,755 |
| Tier 1 risk-based capital ratio | 11.7668% | 5,921 |
| Total risk-based capital ratio | 12.7023% | 6,099 |
| Memoranda: | ||
| Average total assets | $77,351,800 | 5,421 |
| Average earning assets | $66,356,200 | 5,540 |
| Average equity | $6,257,000 | 5,948 |
| Average total loans | $35,251,400 | 5,711 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5246% | 3,538 |
| Cost of funding earning assets | 0.8820% | 2,294 |
| Net interest margin | 3.6425% | 4,044 |
| Noninterest income to average assets | 0.6959% | 2,733 |
| Noninterest expense to average assets | 4.5947% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.4417% | 6,669 |
| Return on assets (ROA) | -0.2071% | 6,573 |
| Pretax return on assets | -0.3989% | 6,657 |
| Return on Equity (ROE) | -2.5212% | 6,603 |
| Retained earnings to average equity (ytd only) | -2.5212% | 6,448 |
| Net charge-offs to loans | -0.2285% | 7,014 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9911% | 195 |
| Assets per employee ($millions) | 3.1458% | 5,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,718 |
| Loan loss allowance to noncurrent loans | 16.4023% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 11.7301% | 171 |
| Noncurrent loans to loans | 8.0574% | 385 |
| Net loans and leases to total assets | 44.9985% | 5,872 |
| Net loans and leases to deposits | 49.4837% | 6,151 |
| Net loans and leases to core deposits | 52.8113% | 6,129 |
| Total domestic deposits to total assets | 90.9362% | 433 |
| Equity capital to assets | 8.5870% | 6,183 |
| Core capital (leverage) ratio | 7.9711% | 6,351 |
| Tier 1 risk-based capital ratio | 14.1020% | 4,455 |
| Total risk-based capital ratio | 15.0019% | 4,672 |
| Memoranda: | ||
| Average total assets | $78,552,250 | 5,448 |
| Average earning assets | $67,570,250 | 5,565 |
| Average equity | $6,451,750 | 5,976 |
| Average total loans | $35,598,250 | 5,767 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6972% | 2,925 |
| Cost of funding earning assets | 0.9249% | 2,228 |
| Net interest margin | 3.7724% | 3,488 |
| Noninterest income to average assets | 0.5781% | 3,387 |
| Noninterest expense to average assets | 4.6098% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.7817% | 6,851 |
| Return on assets (ROA) | -0.3569% | 6,703 |
| Pretax return on assets | -0.3569% | 6,676 |
| Return on Equity (ROE) | -4.4090% | 6,745 |
| Retained earnings to average equity (ytd only) | -4.4090% | 6,580 |
| Net charge-offs to loans | -0.2890% | 7,068 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.4202% | 226 |
| Assets per employee ($millions) | 3.1078% | 5,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2665% | 5,051 |
| Loan loss allowance to noncurrent loans | 19.6736% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 10.2183% | 248 |
| Noncurrent loans to loans | 6.4376% | 653 |
| Net loans and leases to total assets | 44.7512% | 5,945 |
| Net loans and leases to deposits | 49.0478% | 6,238 |
| Net loans and leases to core deposits | 51.7989% | 6,250 |
| Total domestic deposits to total assets | 91.2400% | 372 |
| Equity capital to assets | 8.1731% | 6,476 |
| Core capital (leverage) ratio | 7.5939% | 6,571 |
| Tier 1 risk-based capital ratio | 13.6933% | 4,672 |
| Total risk-based capital ratio | 14.5811% | 4,909 |
| Memoranda: | ||
| Average total assets | $79,570,330 | 5,450 |
| Average earning assets | $68,551,330 | 5,573 |
| Average equity | $6,441,330 | 6,000 |
| Average total loans | $35,988,330 | 5,783 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6867% | 3,101 |
| Cost of funding earning assets | 0.9870% | 2,053 |
| Net interest margin | 3.6997% | 3,829 |
| Noninterest income to average assets | 0.8148% | 2,091 |
| Noninterest expense to average assets | 4.0244% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0248% | 6,451 |
| Return on assets (ROA) | 0.3826% | 5,515 |
| Pretax return on assets | 0.3826% | 5,776 |
| Return on Equity (ROE) | 4.7480% | 4,908 |
| Retained earnings to average equity (ytd only) | 4.7480% | 3,711 |
| Net charge-offs to loans | -0.5938% | 7,163 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6211% | 535 |
| Assets per employee ($millions) | 3.1627% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 5,299 |
| Loan loss allowance to noncurrent loans | 21.5451% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 10.0863% | 292 |
| Noncurrent loans to loans | 5.7661% | 900 |
| Net loans and leases to total assets | 45.1422% | 5,881 |
| Net loans and leases to deposits | 49.4822% | 6,181 |
| Net loans and leases to core deposits | 52.2079% | 6,188 |
| Total domestic deposits to total assets | 91.2291% | 465 |
| Equity capital to assets | 8.1702% | 6,397 |
| Core capital (leverage) ratio | 7.7940% | 6,416 |
| Tier 1 risk-based capital ratio | 13.8490% | 4,571 |
| Total risk-based capital ratio | 14.7398% | 4,824 |
| Memoranda: | ||
| Average total assets | $80,508,500 | 5,456 |
| Average earning assets | $69,303,000 | 5,588 |
| Average equity | $6,487,000 | 6,016 |
| Average total loans | $36,375,000 | 5,803 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 3,992 |
| Cost of funding earning assets | 1.2150% | 1,931 |
| Net interest margin | 3.5436% | 4,968 |
| Noninterest income to average assets | 0.8028% | 2,042 |
| Noninterest expense to average assets | 4.1143% | 893 |
| Loan and lease loss provision to assets | 2.3304% | 210 |
| Net operating income to assets | -2.5494% | 7,124 |
| Return on assets (ROA) | -2.4749% | 7,118 |
| Pretax return on assets | -2.4749% | 7,117 |
| Return on Equity (ROE) | -28.9602% | 7,082 |
| Retained earnings to average equity (ytd only) | -28.9602% | 7,074 |
| Net charge-offs to loans | 7.6067% | 19 |
| Credit loss provision to net charge-offs | 65.0407% | 5,027 |
| Earnings coverage of net charge-offs (x) | -0.0611% | 5,870 |
| Efficiency ratio | 105.6237% | 525 |
| Assets per employee ($millions) | 3.4145% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0763% | 5,900 |
| Loan loss allowance to noncurrent loans | 18.3086% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 9.9550% | 336 |
| Noncurrent loans to loans | 5.8785% | 864 |
| Net loans and leases to total assets | 44.1909% | 6,195 |
| Net loans and leases to deposits | 48.2783% | 6,480 |
| Net loans and leases to core deposits | 50.8274% | 6,485 |
| Total domestic deposits to total assets | 91.5338% | 326 |
| Equity capital to assets | 7.9488% | 6,604 |
| Core capital (leverage) ratio | 7.4920% | 6,652 |
| Tier 1 risk-based capital ratio | 13.2279% | 4,891 |
| Total risk-based capital ratio | 14.0701% | 5,205 |
| Memoranda: | ||
| Average total assets | $85,823,200 | 5,292 |
| Average earning assets | $74,896,200 | 5,377 |
| Average equity | $7,334,200 | 5,763 |
| Average total loans | $40,424,800 | 5,670 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7453% | 4,252 |
| Cost of funding earning assets | 1.2521% | 1,983 |
| Net interest margin | 3.4932% | 5,219 |
| Noninterest income to average assets | 0.7973% | 2,066 |
| Noninterest expense to average assets | 4.0679% | 932 |
| Loan and lease loss provision to assets | 1.6898% | 369 |
| Net operating income to assets | -1.9003% | 7,121 |
| Return on assets (ROA) | -1.8035% | 7,114 |
| Pretax return on assets | -1.8035% | 7,081 |
| Return on Equity (ROE) | -20.7619% | 7,102 |
| Retained earnings to average equity (ytd only) | -20.7619% | 7,088 |
| Net charge-offs to loans | 6.4025% | 49 |
| Credit loss provision to net charge-offs | 55.3598% | 4,916 |
| Earnings coverage of net charge-offs (x) | -0.0689% | 5,642 |
| Efficiency ratio | 105.4560% | 516 |
| Assets per employee ($millions) | 3.2539% | 5,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 3,906 |
| Loan loss allowance to noncurrent loans | 19.1399% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 10.4477% | 335 |
| Noncurrent loans to loans | 8.0680% | 544 |
| Net loans and leases to total assets | 43.9363% | 6,339 |
| Net loans and leases to deposits | 48.5591% | 6,597 |
| Net loans and leases to core deposits | 51.0696% | 6,616 |
| Total domestic deposits to total assets | 90.4801% | 645 |
| Equity capital to assets | 8.8958% | 5,864 |
| Core capital (leverage) ratio | 8.5296% | 5,669 |
| Tier 1 risk-based capital ratio | 14.8578% | 3,751 |
| Total risk-based capital ratio | 15.7383% | 3,958 |
| Memoranda: | ||
| Average total assets | $86,791,750 | 5,305 |
| Average earning assets | $76,031,000 | 5,382 |
| Average equity | $7,539,250 | 5,737 |
| Average total loans | $41,379,000 | 5,673 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 4,283 |
| Cost of funding earning assets | 1.2990% | 1,948 |
| Net interest margin | 3.4543% | 5,349 |
| Noninterest income to average assets | 0.8364% | 1,857 |
| Noninterest expense to average assets | 4.0836% | 931 |
| Loan and lease loss provision to assets | 2.0566% | 294 |
| Net operating income to assets | -2.2714% | 7,236 |
| Return on assets (ROA) | -2.2326% | 7,234 |
| Pretax return on assets | -2.2326% | 7,208 |
| Return on Equity (ROE) | -25.9025% | 7,204 |
| Retained earnings to average equity (ytd only) | -25.9025% | 7,195 |
| Net charge-offs to loans | 3.0244% | 342 |
| Credit loss provision to net charge-offs | 139.7516% | 2,176 |
| Earnings coverage of net charge-offs (x) | -0.1460% | 5,374 |
| Efficiency ratio | 105.5523% | 567 |
| Assets per employee ($millions) | 3.3792% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1878% | 360 |
| Loan loss allowance to noncurrent loans | 35.8612% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 12.2135% | 252 |
| Noncurrent loans to loans | 11.6778% | 276 |
| Net loans and leases to total assets | 46.7436% | 6,186 |
| Net loans and leases to deposits | 51.5179% | 6,501 |
| Net loans and leases to core deposits | 53.4393% | 6,595 |
| Total domestic deposits to total assets | 90.7327% | 617 |
| Equity capital to assets | 8.6589% | 5,993 |
| Core capital (leverage) ratio | 8.4834% | 5,576 |
| Tier 1 risk-based capital ratio | 14.4749% | 3,804 |
| Total risk-based capital ratio | 15.6370% | 3,848 |
| Memoranda: | ||
| Average total assets | $87,521,670 | 5,324 |
| Average earning assets | $76,830,670 | 5,403 |
| Average equity | $7,543,670 | 5,753 |
| Average total loans | $42,587,330 | 5,676 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 4,300 |
| Cost of funding earning assets | 1.3259% | 2,035 |
| Net interest margin | 3.4219% | 5,339 |
| Noninterest income to average assets | 0.8670% | 1,789 |
| Noninterest expense to average assets | 3.8588% | 1,236 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0225% | 6,298 |
| Return on assets (ROA) | 0.0988% | 6,151 |
| Pretax return on assets | 0.0988% | 6,171 |
| Return on Equity (ROE) | 1.1491% | 6,088 |
| Retained earnings to average equity (ytd only) | 1.1491% | 5,365 |
| Net charge-offs to loans | -0.2588% | 7,312 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4213% | 773 |
| Assets per employee ($millions) | 3.6469% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4373% | 640 |
| Loan loss allowance to noncurrent loans | 28.7524% | 6,367 |
| Noncurrent assets plus other real estate owned to assets | 12.4067% | 244 |
| Noncurrent loans to loans | 11.9548% | 283 |
| Net loans and leases to total assets | 48.0811% | 6,069 |
| Net loans and leases to deposits | 53.0688% | 6,381 |
| Net loans and leases to core deposits | 55.1879% | 6,474 |
| Total domestic deposits to total assets | 90.6015% | 797 |
| Equity capital to assets | 8.8409% | 5,428 |
| Core capital (leverage) ratio | 9.3417% | 4,066 |
| Tier 1 risk-based capital ratio | 15.6347% | 3,083 |
| Total risk-based capital ratio | 16.6948% | 3,137 |
| Memoranda: | ||
| Average total assets | $89,042,500 | 5,319 |
| Average earning assets | $78,435,500 | 5,403 |
| Average equity | $7,658,000 | 5,725 |
| Average total loans | $43,273,500 | 5,694 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 5,462 |
| Cost of funding earning assets | 1.7131% | 1,538 |
| Net interest margin | 3.0738% | 6,587 |
| Noninterest income to average assets | 0.5897% | 3,540 |
| Noninterest expense to average assets | 3.5004% | 2,179 |
| Loan and lease loss provision to assets | 1.3119% | 1,169 |
| Net operating income to assets | -1.5726% | 6,927 |
| Return on assets (ROA) | -1.4370% | 6,909 |
| Pretax return on assets | -1.4370% | 6,832 |
| Return on Equity (ROE) | -18.2725% | 7,004 |
| Retained earnings to average equity (ytd only) | -18.2725% | 6,975 |
| Net charge-offs to loans | 3.3020% | 462 |
| Credit loss provision to net charge-offs | 76.5644% | 5,680 |
| Earnings coverage of net charge-offs (x) | -0.1521% | 6,261 |
| Efficiency ratio | 108.0467% | 576 |
| Assets per employee ($millions) | 3.7733% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4190% | 624 |
| Loan loss allowance to noncurrent loans | 25.4328% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 12.1455% | 269 |
| Noncurrent loans to loans | 13.4432% | 211 |
| Net loans and leases to total assets | 45.8227% | 6,570 |
| Net loans and leases to deposits | 50.3153% | 6,840 |
| Net loans and leases to core deposits | 52.2402% | 6,895 |
| Total domestic deposits to total assets | 91.0711% | 571 |
| Equity capital to assets | 8.3679% | 6,048 |
| Core capital (leverage) ratio | 9.0214% | 4,506 |
| Tier 1 risk-based capital ratio | 15.9615% | 2,775 |
| Total risk-based capital ratio | 17.0428% | 2,812 |
| Memoranda: | ||
| Average total assets | $95,132,000 | 5,123 |
| Average earning assets | $82,014,600 | 5,274 |
| Average equity | $7,481,200 | 5,880 |
| Average total loans | $49,363,400 | 5,511 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 5,327 |
| Cost of funding earning assets | 1.7921% | 1,450 |
| Net interest margin | 3.0940% | 6,627 |
| Noninterest income to average assets | 0.6412% | 3,177 |
| Noninterest expense to average assets | 3.3930% | 2,316 |
| Loan and lease loss provision to assets | 0.5650% | 2,681 |
| Net operating income to assets | -0.6675% | 6,713 |
| Return on assets (ROA) | -0.4889% | 6,626 |
| Pretax return on assets | -0.4889% | 6,542 |
| Return on Equity (ROE) | -6.3115% | 6,745 |
| Retained earnings to average equity (ytd only) | -6.3115% | 6,665 |
| Net charge-offs to loans | 2.4331% | 704 |
| Credit loss provision to net charge-offs | 43.8710% | 5,972 |
| Earnings coverage of net charge-offs (x) | -0.0796% | 6,094 |
| Efficiency ratio | 103.1145% | 652 |
| Assets per employee ($millions) | 3.8328% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9070% | 896 |
| Loan loss allowance to noncurrent loans | 21.1254% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 11.9366% | 277 |
| Noncurrent loans to loans | 13.7607% | 197 |
| Net loans and leases to total assets | 48.2552% | 6,497 |
| Net loans and leases to deposits | 54.3604% | 6,740 |
| Net loans and leases to core deposits | 56.6614% | 6,822 |
| Total domestic deposits to total assets | 88.7689% | 1,527 |
| Equity capital to assets | 10.3353% | 3,724 |
| Core capital (leverage) ratio | 10.0517% | 3,203 |
| Tier 1 risk-based capital ratio | 16.9481% | 2,361 |
| Total risk-based capital ratio | 18.2130% | 2,317 |
| Memoranda: | ||
| Average total assets | $96,275,000 | 5,152 |
| Average earning assets | $82,436,250 | 5,326 |
| Average equity | $7,457,000 | 5,964 |
| Average total loans | $50,962,750 | 5,532 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0589% | 4,661 |
| Cost of funding earning assets | 1.8835% | 1,291 |
| Net interest margin | 3.1754% | 6,390 |
| Noninterest income to average assets | 0.6059% | 3,296 |
| Noninterest expense to average assets | 3.1503% | 3,096 |
| Loan and lease loss provision to assets | 0.8352% | 1,741 |
| Net operating income to assets | -0.6878% | 6,801 |
| Return on assets (ROA) | -0.5117% | 6,701 |
| Pretax return on assets | -0.5117% | 6,600 |
| Return on Equity (ROE) | -7.3815% | 6,861 |
| Retained earnings to average equity (ytd only) | -7.3815% | 6,772 |
| Net charge-offs to loans | 2.7470% | 600 |
| Credit loss provision to net charge-offs | 56.3536% | 5,292 |
| Earnings coverage of net charge-offs (x) | 0.0994% | 5,624 |
| Efficiency ratio | 95.5307% | 989 |
| Assets per employee ($millions) | 3.8618% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1703% | 720 |
| Loan loss allowance to noncurrent loans | 21.8772% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 11.4083% | 299 |
| Noncurrent loans to loans | 14.4915% | 185 |
| Net loans and leases to total assets | 48.5924% | 6,584 |
| Net loans and leases to deposits | 54.4020% | 6,837 |
| Net loans and leases to core deposits | 63.9342% | 6,407 |
| Total domestic deposits to total assets | 89.3209% | 1,274 |
| Equity capital to assets | 9.8753% | 4,169 |
| Core capital (leverage) ratio | 9.9936% | 3,171 |
| Tier 1 risk-based capital ratio | 15.3973% | 2,954 |
| Total risk-based capital ratio | 16.6631% | 2,908 |
| Memoranda: | ||
| Average total assets | $97,704,670 | 5,147 |
| Average earning assets | $82,825,000 | 5,343 |
| Average equity | $6,773,670 | 6,214 |
| Average total loans | $52,711,330 | 5,480 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2605% | 3,730 |
| Cost of funding earning assets | 1.8771% | 1,546 |
| Net interest margin | 3.3834% | 5,647 |
| Noninterest income to average assets | 0.8547% | 1,795 |
| Noninterest expense to average assets | 3.3779% | 2,297 |
| Loan and lease loss provision to assets | 1.6605% | 690 |
| Net operating income to assets | -1.1762% | 7,206 |
| Return on assets (ROA) | -0.8343% | 7,052 |
| Pretax return on assets | -0.8343% | 6,968 |
| Return on Equity (ROE) | -15.2035% | 7,317 |
| Retained earnings to average equity (ytd only) | -15.2035% | 7,216 |
| Net charge-offs to loans | 2.9466% | 524 |
| Credit loss provision to net charge-offs | 100.9901% | 3,359 |
| Earnings coverage of net charge-offs (x) | 0.2946% | 4,780 |
| Efficiency ratio | 87.4605% | 1,642 |
| Assets per employee ($millions) | 3.0780% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5724% | 515 |
| Loan loss allowance to noncurrent loans | 27.8989% | 6,538 |
| Noncurrent assets plus other real estate owned to assets | 10.1396% | 388 |
| Noncurrent loans to loans | 12.8048% | 257 |
| Net loans and leases to total assets | 54.2240% | 6,002 |
| Net loans and leases to deposits | 57.9948% | 6,623 |
| Net loans and leases to core deposits | 63.7774% | 6,463 |
| Total domestic deposits to total assets | 93.4980% | 91 |
| Equity capital to assets | 5.7331% | 7,656 |
| Core capital (leverage) ratio | 5.8132% | 7,609 |
| Tier 1 risk-based capital ratio | 9.2991% | 7,393 |
| Total risk-based capital ratio | 10.5734% | 7,381 |
| Memoranda: | ||
| Average total assets | $98,285,000 | 5,201 |
| Average earning assets | $87,367,500 | 5,262 |
| Average equity | $5,393,500 | 6,709 |
| Average total loans | $54,842,500 | 5,457 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4789% | 4,261 |
| Cost of funding earning assets | 2.3366% | 1,503 |
| Net interest margin | 3.1422% | 6,252 |
| Noninterest income to average assets | 0.9307% | 1,831 |
| Noninterest expense to average assets | 3.3522% | 2,825 |
| Loan and lease loss provision to assets | 3.1545% | 531 |
| Net operating income to assets | -2.2873% | 7,191 |
| Return on assets (ROA) | -2.2186% | 7,172 |
| Pretax return on assets | -2.6555% | 7,193 |
| Return on Equity (ROE) | -29.3538% | 7,396 |
| Retained earnings to average equity (ytd only) | -30.7235% | 7,401 |
| Net charge-offs to loans | 3.6379% | 520 |
| Credit loss provision to net charge-offs | 148.4170% | 3,152 |
| Earnings coverage of net charge-offs (x) | 0.1963% | 5,945 |
| Efficiency ratio | 88.9316% | 1,807 |
| Assets per employee ($millions) | 3.3622% | 5,338 |
| Cash dividends to net income (ytd only)* | -4.6664% | 7,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2047% | 655 |
| Loan loss allowance to noncurrent loans | 36.1453% | 6,022 |
| Noncurrent assets plus other real estate owned to assets | 7.3214% | 676 |
| Noncurrent loans to loans | 8.8662% | 526 |
| Net loans and leases to total assets | 53.6396% | 6,227 |
| Net loans and leases to deposits | 57.0909% | 6,845 |
| Net loans and leases to core deposits | 83.8993% | 5,721 |
| Total domestic deposits to total assets | 93.9547% | 75 |
| Equity capital to assets | 5.2701% | 7,761 |
| Core capital (leverage) ratio | 5.6734% | 7,686 |
| Tier 1 risk-based capital ratio | 8.8279% | 7,530 |
| Total risk-based capital ratio | 10.0981% | 7,549 |
| Memoranda: | ||
| Average total assets | $96,593,400 | 5,178 |
| Average earning assets | $87,262,400 | 5,216 |
| Average equity | $7,300,600 | 6,172 |
| Average total loans | $56,434,200 | 5,402 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5362% | 4,238 |
| Cost of funding earning assets | 2.4125% | 1,588 |
| Net interest margin | 3.1237% | 6,248 |
| Noninterest income to average assets | 0.9054% | 1,963 |
| Noninterest expense to average assets | 3.4697% | 2,357 |
| Loan and lease loss provision to assets | 0.8294% | 2,306 |
| Net operating income to assets | -0.8900% | 6,757 |
| Return on assets (ROA) | -0.8900% | 6,762 |
| Pretax return on assets | -0.5675% | 6,365 |
| Return on Equity (ROE) | -10.8694% | 6,949 |
| Retained earnings to average equity (ytd only) | -12.5892% | 6,982 |
| Net charge-offs to loans | 0.7819% | 2,409 |
| Credit loss provision to net charge-offs | 179.0274% | 2,567 |
| Earnings coverage of net charge-offs (x) | 0.5653% | 5,467 |
| Efficiency ratio | 92.9811% | 1,467 |
| Assets per employee ($millions) | 3.2849% | 5,439 |
| Cash dividends to net income (ytd only)* | -15.8227% | 7,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 1,810 |
| Loan loss allowance to noncurrent loans | 19.0192% | 7,140 |
| Noncurrent assets plus other real estate owned to assets | 8.2372% | 509 |
| Noncurrent loans to loans | 10.5003% | 365 |
| Net loans and leases to total assets | 53.8294% | 6,398 |
| Net loans and leases to deposits | 58.7079% | 6,918 |
| Net loans and leases to core deposits | 93.1927% | 5,110 |
| Total domestic deposits to total assets | 91.6902% | 227 |
| Equity capital to assets | 7.5694% | 7,248 |
| Core capital (leverage) ratio | 7.0808% | 7,372 |
| Tier 1 risk-based capital ratio | 11.7089% | 5,234 |
| Total risk-based capital ratio | 12.9613% | 5,178 |
| Memoranda: | ||
| Average total assets | $94,684,500 | 5,281 |
| Average earning assets | $85,664,750 | 5,310 |
| Average equity | $7,752,500 | 6,061 |
| Average total loans | $56,103,000 | 5,460 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6899% | 3,599 |
| Cost of funding earning assets | 2.4406% | 1,814 |
| Net interest margin | 3.2493% | 5,742 |
| Noninterest income to average assets | 0.9967% | 1,603 |
| Noninterest expense to average assets | 3.6987% | 1,842 |
| Loan and lease loss provision to assets | 0.4897% | 3,084 |
| Net operating income to assets | -0.1127% | 6,035 |
| Return on assets (ROA) | -0.1127% | 6,070 |
| Pretax return on assets | -0.2578% | 6,184 |
| Return on Equity (ROE) | -1.3389% | 6,123 |
| Retained earnings to average equity (ytd only) | -3.9138% | 6,119 |
| Net charge-offs to loans | 0.2315% | 4,048 |
| Credit loss provision to net charge-offs | 347.6923% | 1,335 |
| Earnings coverage of net charge-offs (x) | 1.6462% | 4,308 |
| Efficiency ratio | 94.1014% | 1,488 |
| Assets per employee ($millions) | 3.2857% | 5,357 |
| Cash dividends to net income (ytd only)* | -192.3077% | 8,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 2,059 |
| Loan loss allowance to noncurrent loans | 19.7824% | 7,141 |
| Noncurrent assets plus other real estate owned to assets | 7.0560% | 594 |
| Noncurrent loans to loans | 9.0712% | 430 |
| Net loans and leases to total assets | 54.6958% | 6,362 |
| Net loans and leases to deposits | 59.6343% | 6,919 |
| Net loans and leases to core deposits | 94.2274% | 5,089 |
| Total domestic deposits to total assets | 91.7187% | 265 |
| Equity capital to assets | 7.4723% | 7,293 |
| Core capital (leverage) ratio | 7.8418% | 6,560 |
| Tier 1 risk-based capital ratio | 12.4609% | 4,549 |
| Total risk-based capital ratio | 13.7152% | 4,469 |
| Memoranda: | ||
| Average total assets | $92,302,330 | 5,396 |
| Average earning assets | $83,341,000 | 5,435 |
| Average equity | $7,767,330 | 6,100 |
| Average total loans | $56,160,000 | 5,497 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0179% | 2,287 |
| Cost of funding earning assets | 2.4132% | 2,240 |
| Net interest margin | 3.6047% | 4,301 |
| Noninterest income to average assets | 0.9871% | 1,521 |
| Noninterest expense to average assets | 3.9714% | 1,216 |
| Loan and lease loss provision to assets | 0.2879% | 3,651 |
| Net operating income to assets | 0.1417% | 5,853 |
| Return on assets (ROA) | 0.1417% | 6,021 |
| Pretax return on assets | -0.0229% | 6,406 |
| Return on Equity (ROE) | 1.5805% | 5,929 |
| Retained earnings to average equity (ytd only) | -0.9687% | 5,879 |
| Net charge-offs to loans | 0.4081% | 2,473 |
| Credit loss provision to net charge-offs | 110.5263% | 3,488 |
| Earnings coverage of net charge-offs (x) | 1.0175% | 4,262 |
| Efficiency ratio | 93.7433% | 1,450 |
| Assets per employee ($millions) | 2.8444% | 6,541 |
| Cash dividends to net income (ytd only)* | 161.2903% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 2,823 |
| Loan loss allowance to noncurrent loans | 21.4570% | 7,093 |
| Noncurrent assets plus other real estate owned to assets | 6.4529% | 580 |
| Noncurrent loans to loans | 7.1226% | 557 |
| Net loans and leases to total assets | 59.2393% | 5,777 |
| Net loans and leases to deposits | 65.1585% | 6,449 |
| Net loans and leases to core deposits | 97.3255% | 4,814 |
| Total domestic deposits to total assets | 90.9157% | 441 |
| Equity capital to assets | 8.2832% | 6,416 |
| Core capital (leverage) ratio | 8.9730% | 4,751 |
| Tier 1 risk-based capital ratio | 12.6834% | 4,405 |
| Total risk-based capital ratio | 13.9353% | 4,327 |
| Memoranda: | ||
| Average total assets | $87,525,500 | 5,567 |
| Average earning assets | $78,898,000 | 5,591 |
| Average equity | $7,845,500 | 6,111 |
| Average total loans | $55,875,500 | 5,544 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8142% | 1,631 |
| Cost of funding earning assets | 2.7953% | 2,727 |
| Net interest margin | 4.0189% | 3,029 |
| Noninterest income to average assets | 1.1298% | 1,222 |
| Noninterest expense to average assets | 3.6340% | 2,071 |
| Loan and lease loss provision to assets | 0.3371% | 3,695 |
| Net operating income to assets | 0.6512% | 4,102 |
| Return on assets (ROA) | 0.6421% | 3,988 |
| Pretax return on assets | 0.7816% | 4,137 |
| Return on Equity (ROE) | 6.4315% | 3,785 |
| Retained earnings to average equity (ytd only) | -1.4842% | 5,735 |
| Net charge-offs to loans | 0.0624% | 5,881 |
| Credit loss provision to net charge-offs | 827.2727% | 530 |
| Earnings coverage of net charge-offs (x) | 27.7273% | 1,234 |
| Efficiency ratio | 76.2830% | 3,191 |
| Assets per employee ($millions) | 2.4602% | 7,277 |
| Cash dividends to net income (ytd only)* | 123.0769% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 2,445 |
| Loan loss allowance to noncurrent loans | 16.2557% | 7,358 |
| Noncurrent assets plus other real estate owned to assets | 7.0911% | 363 |
| Noncurrent loans to loans | 9.5364% | 232 |
| Net loans and leases to total assets | 67.0387% | 4,629 |
| Net loans and leases to deposits | 83.2240% | 4,538 |
| Net loans and leases to core deposits | 117.5558% | 2,945 |
| Total domestic deposits to total assets | 80.5521% | 4,819 |
| Equity capital to assets | 9.7504% | 4,363 |
| Core capital (leverage) ratio | 9.8774% | 3,569 |
| Tier 1 risk-based capital ratio | 13.3807% | 3,883 |
| Total risk-based capital ratio | 14.6325% | 3,788 |
| Memoranda: | ||
| Average total assets | $80,985,400 | 5,662 |
| Average earning assets | $73,229,800 | 5,699 |
| Average equity | $8,085,200 | 6,053 |
| Average total loans | $52,898,200 | 5,587 |