Home > First Bank of the Lake > Performance and Condition Ratios
First Bank of the Lake, 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 | 8.2527% | 112 |
| Cost of funding earning assets | 3.3485% | 91 |
| Net interest margin | 4.9042% | 361 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 3.4357% | 625 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.2801% | 1,471 |
| Return on assets (ROA) | 1.2801% | 1,442 |
| Pretax return on assets | 1.2801% | 1,927 |
| Return on Equity (ROE) | 14.6200% | 1,362 |
| Retained earnings to average equity (ytd only) | 13.7390% | 426 |
| Net charge-offs to loans | 0.0526% | 1,345 |
| Credit loss provision to net charge-offs | 413.0435% | 771 |
| Earnings coverage of net charge-offs (x) | 30.8232% | 1,617 |
| Efficiency ratio | 69.7666% | 1,910 |
| Assets per employee ($millions) | 5.0146% | 3,622 |
| Cash dividends to net income (ytd only)* | 6.0155% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3267% | 4,417 |
| Loan loss allowance to noncurrent loans | 29.2799% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 470 |
| Noncurrent loans to loans | 1.1158% | 647 |
| Net loans and leases to total assets | 92.5800% | 12 |
| Net loans and leases to deposits | 106.4902% | 276 |
| Net loans and leases to core deposits | 185.6439% | 95 |
| Total domestic deposits to total assets | 86.9300% | 1,704 |
| Equity capital to assets | 7.9331% | 3,460 |
| Core capital (leverage) ratio | 8.3288% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5965% | 1,160 |
| Memoranda: | ||
| Average total assets | $714,241,000 | 1,285 |
| Average earning assets | $685,172,800 | 1,262 |
| Average equity | $62,544,600 | 1,352 |
| Average total loans | $655,860,200 | 1,020 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0688% | 110 |
| Cost of funding earning assets | 2.9588% | 124 |
| Net interest margin | 5.1100% | 277 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 3.9880% | 363 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.9864% | 2,407 |
| Return on assets (ROA) | 0.9864% | 2,394 |
| Pretax return on assets | 0.9864% | 2,896 |
| Return on Equity (ROE) | 10.8800% | 2,408 |
| Retained earnings to average equity (ytd only) | 10.8816% | 1,178 |
| Net charge-offs to loans | 0.0195% | 1,734 |
| Credit loss provision to net charge-offs | 982.7586% | 412 |
| Earnings coverage of net charge-offs (x) | 65.7011% | 1,154 |
| Efficiency ratio | 77.2688% | 1,070 |
| Assets per employee ($millions) | 4.4945% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3423% | 4,431 |
| Loan loss allowance to noncurrent loans | 48.2544% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 872 |
| Noncurrent loans to loans | 0.7093% | 1,167 |
| Net loans and leases to total assets | 91.9400% | 14 |
| Net loans and leases to deposits | 108.3560% | 236 |
| Net loans and leases to core deposits | 174.3486% | 64 |
| Total domestic deposits to total assets | 84.8500% | 2,544 |
| Equity capital to assets | 8.7598% | 2,564 |
| Core capital (leverage) ratio | 9.9958% | 2,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7967% | 723 |
| Memoranda: | ||
| Average total assets | $649,592,750 | 1,376 |
| Average earning assets | $620,644,750 | 1,338 |
| Average equity | $58,886,750 | 1,402 |
| Average total loans | $593,936,000 | 1,094 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8299% | 109 |
| Cost of funding earning assets | 2.5937% | 160 |
| Net interest margin | 5.2362% | 230 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 4.5024% | 274 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 0.7102% | 3,326 |
| Return on assets (ROA) | 0.7102% | 3,326 |
| Pretax return on assets | 0.7102% | 3,585 |
| Return on Equity (ROE) | 7.7100% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.7108% | 2,064 |
| Net charge-offs to loans | 0.0337% | 1,222 |
| Credit loss provision to net charge-offs | 494.4444% | 658 |
| Earnings coverage of net charge-offs (x) | 28.1222% | 1,586 |
| Efficiency ratio | 83.9363% | 599 |
| Assets per employee ($millions) | 3.5847% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3690% | 4,451 |
| Loan loss allowance to noncurrent loans | 35.2597% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.9628% | 498 |
| Noncurrent loans to loans | 1.0466% | 708 |
| Net loans and leases to total assets | 91.6600% | 20 |
| Net loans and leases to deposits | 107.5733% | 261 |
| Net loans and leases to core deposits | 146.0824% | 161 |
| Total domestic deposits to total assets | 85.2000% | 2,488 |
| Equity capital to assets | 8.3815% | 2,965 |
| Core capital (leverage) ratio | 8.9012% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1937% | 698 |
| Memoranda: | ||
| Average total assets | $587,463,000 | 1,506 |
| Average earning assets | $558,501,667 | 1,465 |
| Average equity | $54,105,667 | 1,502 |
| Average total loans | $534,823,000 | 1,164 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5442% | 67 |
| Cost of funding earning assets | 0.9675% | 188 |
| Net interest margin | 5.5766% | 75 |
| Noninterest income to average assets | 1.0000% | 644 |
| Noninterest expense to average assets | 5.5876% | 184 |
| Loan and lease loss provision to assets | -0.0900% | 4,511 |
| Net operating income to assets | 0.8699% | 3,085 |
| Return on assets (ROA) | 0.8699% | 3,015 |
| Pretax return on assets | 0.8731% | 3,425 |
| Return on Equity (ROE) | 12.8400% | 1,855 |
| Retained earnings to average equity (ytd only) | -2.8239% | 4,515 |
| Net charge-offs to loans | 0.2298% | 346 |
| Credit loss provision to net charge-offs | -45.6621% | 4,564 |
| Earnings coverage of net charge-offs (x) | 3.8119% | 2,446 |
| Efficiency ratio | 87.7549% | 364 |
| Assets per employee ($millions) | 3.0372% | 4,520 |
| Cash dividends to net income (ytd only)* | 121.9884% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3289% | 4,536 |
| Loan loss allowance to noncurrent loans | 15.0645% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 1.9369% | 125 |
| Noncurrent loans to loans | 2.1836% | 237 |
| Net loans and leases to total assets | 88.4100% | 62 |
| Net loans and leases to deposits | 101.8101% | 370 |
| Net loans and leases to core deposits | 112.3746% | 537 |
| Total domestic deposits to total assets | 86.8400% | 2,445 |
| Equity capital to assets | 8.3106% | 2,846 |
| Core capital (leverage) ratio | 8.8049% | 3,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3444% | 1,075 |
| Memoranda: | ||
| Average total assets | $535,342,600 | 1,646 |
| Average earning assets | $514,810,200 | 1,592 |
| Average equity | $36,262,000 | 2,059 |
| Average total loans | $476,398,200 | 1,216 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2704% | 63 |
| Cost of funding earning assets | 0.7530% | 196 |
| Net interest margin | 5.5174% | 76 |
| Noninterest income to average assets | 1.0900% | 587 |
| Noninterest expense to average assets | 5.4217% | 192 |
| Loan and lease loss provision to assets | -0.1200% | 4,606 |
| Net operating income to assets | 1.1142% | 2,033 |
| Return on assets (ROA) | 1.1142% | 2,001 |
| Pretax return on assets | 1.1182% | 2,666 |
| Return on Equity (ROE) | 17.4200% | 722 |
| Retained earnings to average equity (ytd only) | -4.5339% | 4,591 |
| Net charge-offs to loans | 0.3027% | 216 |
| Credit loss provision to net charge-offs | -46.0405% | 4,630 |
| Earnings coverage of net charge-offs (x) | 3.6869% | 2,200 |
| Efficiency ratio | 84.5064% | 520 |
| Assets per employee ($millions) | 3.0812% | 4,560 |
| Cash dividends to net income (ytd only)* | 126.0250% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3779% | 4,553 |
| Loan loss allowance to noncurrent loans | 21.8174% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4790% | 230 |
| Noncurrent loans to loans | 1.7322% | 378 |
| Net loans and leases to total assets | 85.0600% | 179 |
| Net loans and leases to deposits | 99.2000% | 399 |
| Net loans and leases to core deposits | 109.6114% | 484 |
| Total domestic deposits to total assets | 85.7400% | 3,125 |
| Equity capital to assets | 7.3976% | 3,270 |
| Core capital (leverage) ratio | 7.7352% | 4,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2454% | 1,132 |
| Memoranda: | ||
| Average total assets | $537,060,750 | 1,652 |
| Average earning assets | $518,593,250 | 1,592 |
| Average equity | $34,347,750 | 2,172 |
| Average total loans | $478,305,000 | 1,212 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3622% | 53 |
| Cost of funding earning assets | 0.5998% | 272 |
| Net interest margin | 5.7624% | 56 |
| Noninterest income to average assets | 0.8024% | 1,035 |
| Noninterest expense to average assets | 5.1535% | 165 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2334% | 1,321 |
| Return on assets (ROA) | 1.2334% | 1,299 |
| Pretax return on assets | 1.2384% | 1,937 |
| Return on Equity (ROE) | 20.1978% | 294 |
| Retained earnings to average equity (ytd only) | -13.1274% | 4,694 |
| Net charge-offs to loans | 0.0012% | 2,097 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,147.3333% | 108 |
| Efficiency ratio | 80.6248% | 898 |
| Assets per employee ($millions) | 3.1415% | 4,611 |
| Cash dividends to net income (ytd only)* | 164.9942% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7160% | 4,305 |
| Loan loss allowance to noncurrent loans | 31.4885% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.0446% | 136 |
| Noncurrent loans to loans | 2.2739% | 271 |
| Net loans and leases to total assets | 89.2732% | 30 |
| Net loans and leases to deposits | 122.2858% | 37 |
| Net loans and leases to core deposits | 131.1366% | 119 |
| Total domestic deposits to total assets | 73.0037% | 4,562 |
| Equity capital to assets | 7.1195% | 3,708 |
| Core capital (leverage) ratio | 8.1407% | 4,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2502% | 819 |
| Memoranda: | ||
| Average total assets | $555,858,667 | 1,608 |
| Average earning assets | $539,188,667 | 1,554 |
| Average equity | $33,944,333 | 2,230 |
| Average total loans | $500,941,000 | 1,169 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7147% | 44 |
| Cost of funding earning assets | 0.5074% | 477 |
| Net interest margin | 6.2073% | 43 |
| Noninterest income to average assets | 0.6424% | 1,521 |
| Noninterest expense to average assets | 4.8963% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7997% | 333 |
| Return on assets (ROA) | 1.7997% | 331 |
| Pretax return on assets | 1.8058% | 542 |
| Return on Equity (ROE) | 31.6351% | 50 |
| Retained earnings to average equity (ytd only) | 31.6351% | 31 |
| Net charge-offs to loans | -0.0068% | 3,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0563% | 1,849 |
| Assets per employee ($millions) | 3.3332% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6936% | 4,395 |
| Loan loss allowance to noncurrent loans | 56.6211% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 468 |
| Noncurrent loans to loans | 1.2249% | 719 |
| Net loans and leases to total assets | 85.0217% | 67 |
| Net loans and leases to deposits | 128.3490% | 23 |
| Net loans and leases to core deposits | 136.8201% | 72 |
| Total domestic deposits to total assets | 66.2426% | 4,691 |
| Equity capital to assets | 6.5475% | 4,410 |
| Core capital (leverage) ratio | 10.4190% | 1,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0989% | 547 |
| Memoranda: | ||
| Average total assets | $590,323,000 | 1,527 |
| Average earning assets | $576,290,000 | 1,457 |
| Average equity | $33,583,000 | 2,302 |
| Average total loans | $532,495,000 | 1,112 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5734% | 529 |
| Cost of funding earning assets | 0.5320% | 783 |
| Net interest margin | 4.0414% | 656 |
| Noninterest income to average assets | 0.4087% | 3,004 |
| Noninterest expense to average assets | 2.3753% | 2,569 |
| Loan and lease loss provision to assets | 0.1446% | 825 |
| Net operating income to assets | 1.8605% | 447 |
| Return on assets (ROA) | 1.8605% | 473 |
| Pretax return on assets | 1.8605% | 797 |
| Return on Equity (ROE) | 57.3636% | 8 |
| Retained earnings to average equity (ytd only) | 43.3320% | 7 |
| Net charge-offs to loans | 0.1212% | 746 |
| Credit loss provision to net charge-offs | 128.8937% | 1,589 |
| Earnings coverage of net charge-offs (x) | 17.8700% | 1,924 |
| Efficiency ratio | 54.2260% | 3,911 |
| Assets per employee ($millions) | 5.5142% | 3,244 |
| Cash dividends to net income (ytd only)* | 24.4607% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5132% | 4,614 |
| Loan loss allowance to noncurrent loans | 58.9994% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8172% | 732 |
| Noncurrent loans to loans | 0.8699% | 1,174 |
| Net loans and leases to total assets | 93.4592% | 6 |
| Net loans and leases to deposits | 227.8549% | 2 |
| Net loans and leases to core deposits | 286.8210% | 18 |
| Total domestic deposits to total assets | 41.0170% | 4,802 |
| Equity capital to assets | 4.9896% | 4,832 |
| Core capital (leverage) ratio | 10.2255% | 2,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6525% | 584 |
| Memoranda: | ||
| Average total assets | $829,731,400 | 1,119 |
| Average earning assets | $815,440,200 | 1,069 |
| Average equity | $26,910,800 | 2,729 |
| Average total loans | $768,240,200 | 820 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 832 |
| Cost of funding earning assets | 0.5309% | 909 |
| Net interest margin | 3.8527% | 1,020 |
| Noninterest income to average assets | 0.5123% | 2,571 |
| Noninterest expense to average assets | 2.2264% | 2,987 |
| Loan and lease loss provision to assets | 0.1830% | 586 |
| Net operating income to assets | 1.8922% | 567 |
| Return on assets (ROA) | 1.8922% | 589 |
| Pretax return on assets | 1.8922% | 968 |
| Return on Equity (ROE) | 64.8366% | 9 |
| Retained earnings to average equity (ytd only) | 45.1103% | 6 |
| Net charge-offs to loans | 0.1661% | 509 |
| Credit loss provision to net charge-offs | 119.2843% | 1,469 |
| Earnings coverage of net charge-offs (x) | 13.5298% | 1,921 |
| Efficiency ratio | 51.7580% | 4,044 |
| Assets per employee ($millions) | 6.1850% | 2,520 |
| Cash dividends to net income (ytd only)* | 30.4246% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4113% | 4,761 |
| Loan loss allowance to noncurrent loans | 412.1131% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 3,474 |
| Noncurrent loans to loans | 0.0998% | 3,582 |
| Net loans and leases to total assets | 93.6535% | 5 |
| Net loans and leases to deposits | 326.8101% | 1 |
| Net loans and leases to core deposits | 362.2370% | 15 |
| Total domestic deposits to total assets | 28.6569% | 4,892 |
| Equity capital to assets | 3.7307% | 4,911 |
| Core capital (leverage) ratio | 9.7659% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.2647% | 210 |
| Memoranda: | ||
| Average total assets | $874,495,750 | 1,079 |
| Average earning assets | $860,121,000 | 1,029 |
| Average equity | $25,522,000 | 2,845 |
| Average total loans | $807,487,250 | 808 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3154% | 980 |
| Cost of funding earning assets | 0.5277% | 1,047 |
| Net interest margin | 3.7877% | 1,157 |
| Noninterest income to average assets | 0.6744% | 1,910 |
| Noninterest expense to average assets | 2.0521% | 3,544 |
| Loan and lease loss provision to assets | 0.2660% | 357 |
| Net operating income to assets | 2.0834% | 418 |
| Return on assets (ROA) | 2.0834% | 438 |
| Pretax return on assets | 2.0834% | 703 |
| Return on Equity (ROE) | 77.7115% | 5 |
| Retained earnings to average equity (ytd only) | 46.4846% | 10 |
| Net charge-offs to loans | 0.2074% | 412 |
| Credit loss provision to net charge-offs | 139.6973% | 1,191 |
| Earnings coverage of net charge-offs (x) | 12.3364% | 1,725 |
| Efficiency ratio | 46.6227% | 4,487 |
| Assets per employee ($millions) | 9.0815% | 834 |
| Cash dividends to net income (ytd only)* | 40.1830% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3587% | 4,822 |
| Loan loss allowance to noncurrent loans | 837.8590% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.0398% | 3,986 |
| Noncurrent loans to loans | 0.0428% | 3,973 |
| Net loans and leases to total assets | 92.5966% | 7 |
| Net loans and leases to deposits | 400.1675% | 2 |
| Net loans and leases to core deposits | 447.9264% | 13 |
| Total domestic deposits to total assets | 23.1395% | 4,926 |
| Equity capital to assets | 2.7548% | 4,949 |
| Core capital (leverage) ratio | 10.2737% | 2,142 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8179% | 309 |
| Memoranda: | ||
| Average total assets | $902,101,667 | 1,050 |
| Average earning assets | $887,654,000 | 1,003 |
| Average equity | $24,184,333 | 2,927 |
| Average total loans | $828,484,333 | 795 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4193% | 887 |
| Cost of funding earning assets | 0.5284% | 1,216 |
| Net interest margin | 3.8909% | 1,002 |
| Noninterest income to average assets | 0.2702% | 3,781 |
| Noninterest expense to average assets | 1.9701% | 3,804 |
| Loan and lease loss provision to assets | 0.2753% | 351 |
| Net operating income to assets | 1.8526% | 715 |
| Return on assets (ROA) | 1.8526% | 771 |
| Pretax return on assets | 1.8526% | 1,191 |
| Return on Equity (ROE) | 70.1742% | 10 |
| Retained earnings to average equity (ytd only) | 70.1742% | 3 |
| Net charge-offs to loans | 0.3937% | 210 |
| Credit loss provision to net charge-offs | 76.6284% | 1,226 |
| Earnings coverage of net charge-offs (x) | 5.9234% | 1,664 |
| Efficiency ratio | 48.0743% | 4,336 |
| Assets per employee ($millions) | 8.3029% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2675% | 4,892 |
| Loan loss allowance to noncurrent loans | 218.8264% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.1120% | 3,610 |
| Noncurrent loans to loans | 0.1223% | 3,701 |
| Net loans and leases to total assets | 91.3297% | 17 |
| Net loans and leases to deposits | 530.2167% | 2 |
| Net loans and leases to core deposits | 607.8686% | 11 |
| Total domestic deposits to total assets | 17.2250% | 4,956 |
| Equity capital to assets | 2.2795% | 4,977 |
| Core capital (leverage) ratio | 10.8083% | 1,855 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2341% | 316 |
| Memoranda: | ||
| Average total assets | $871,834,000 | 1,072 |
| Average earning assets | $857,692,500 | 1,016 |
| Average equity | $23,017,000 | 2,994 |
| Average total loans | $795,437,500 | 816 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 945 |
| Cost of funding earning assets | 0.7831% | 1,281 |
| Net interest margin | 3.8891% | 1,246 |
| Noninterest income to average assets | 0.9815% | 1,083 |
| Noninterest expense to average assets | 2.6938% | 2,257 |
| Loan and lease loss provision to assets | 0.5432% | 407 |
| Net operating income to assets | 1.5676% | 685 |
| Return on assets (ROA) | 1.6079% | 684 |
| Pretax return on assets | 1.6079% | 1,057 |
| Return on Equity (ROE) | 46.5975% | 22 |
| Retained earnings to average equity (ytd only) | 46.5975% | 10 |
| Net charge-offs to loans | 0.0493% | 2,091 |
| Credit loss provision to net charge-offs | 1,265.0273% | 657 |
| Earnings coverage of net charge-offs (x) | 49.1585% | 1,217 |
| Efficiency ratio | 56.0678% | 3,980 |
| Assets per employee ($millions) | 8.6358% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4884% | 4,798 |
| Loan loss allowance to noncurrent loans | 232.9813% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 3,334 |
| Noncurrent loans to loans | 0.2096% | 3,448 |
| Net loans and leases to total assets | 90.2235% | 28 |
| Net loans and leases to deposits | 343.5328% | 4 |
| Net loans and leases to core deposits | 381.8418% | 15 |
| Total domestic deposits to total assets | 26.2634% | 4,974 |
| Equity capital to assets | 3.2502% | 4,998 |
| Core capital (leverage) ratio | 11.0997% | 1,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3954% | 985 |
| Memoranda: | ||
| Average total assets | $426,196,800 | 1,781 |
| Average earning assets | $418,962,800 | 1,697 |
| Average equity | $14,706,800 | 3,676 |
| Average total loans | $371,386,800 | 1,441 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9041% | 50 |
| Cost of funding earning assets | 0.8418% | 1,302 |
| Net interest margin | 6.0623% | 41 |
| Noninterest income to average assets | 0.7700% | 1,595 |
| Noninterest expense to average assets | 2.6499% | 2,386 |
| Loan and lease loss provision to assets | 0.8231% | 214 |
| Net operating income to assets | 3.2549% | 75 |
| Return on assets (ROA) | 3.3161% | 77 |
| Pretax return on assets | 3.3161% | 98 |
| Return on Equity (ROE) | 71.6914% | 11 |
| Retained earnings to average equity (ytd only) | 71.6914% | 5 |
| Net charge-offs to loans | 0.0663% | 1,664 |
| Credit loss provision to net charge-offs | 1,446.8750% | 631 |
| Earnings coverage of net charge-offs (x) | 71.6938% | 979 |
| Efficiency ratio | 39.3871% | 4,905 |
| Assets per employee ($millions) | 8.6237% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4749% | 4,834 |
| Loan loss allowance to noncurrent loans | 585.2227% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 4,052 |
| Noncurrent loans to loans | 0.0812% | 4,044 |
| Net loans and leases to total assets | 93.6659% | 8 |
| Net loans and leases to deposits | 427.4012% | 3 |
| Net loans and leases to core deposits | 539.9205% | 14 |
| Total domestic deposits to total assets | 21.9152% | 5,010 |
| Equity capital to assets | 3.6419% | 5,026 |
| Core capital (leverage) ratio | 14.6822% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0524% | 242 |
| Memoranda: | ||
| Average total assets | $375,052,250 | 1,923 |
| Average earning assets | $368,584,500 | 1,848 |
| Average equity | $17,348,000 | 3,434 |
| Average total loans | $321,653,000 | 1,604 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.3745% | 15 |
| Cost of funding earning assets | 1.0005% | 987 |
| Net interest margin | 10.3740% | 14 |
| Noninterest income to average assets | 0.4999% | 2,561 |
| Noninterest expense to average assets | 3.1278% | 1,290 |
| Loan and lease loss provision to assets | 1.6275% | 67 |
| Net operating income to assets | 5.9133% | 28 |
| Return on assets (ROA) | 6.0342% | 27 |
| Pretax return on assets | 6.0342% | 35 |
| Return on Equity (ROE) | 112.3503% | 3 |
| Retained earnings to average equity (ytd only) | 112.3503% | 1 |
| Net charge-offs to loans | 0.0443% | 1,860 |
| Credit loss provision to net charge-offs | 4,630.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 214.5200% | 419 |
| Efficiency ratio | 29.3180% | 5,021 |
| Assets per employee ($millions) | 11.2560% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5379% | 4,800 |
| Loan loss allowance to noncurrent loans | 3,896.1039% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,510 |
| Noncurrent loans to loans | 0.0138% | 4,454 |
| Net loans and leases to total assets | 89.5992% | 36 |
| Net loans and leases to deposits | 484.1123% | 3 |
| Net loans and leases to core deposits | 550.7695% | 13 |
| Total domestic deposits to total assets | 18.5079% | 5,043 |
| Equity capital to assets | 3.6821% | 5,059 |
| Core capital (leverage) ratio | 13.2606% | 933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.4310% | 134 |
| Memoranda: | ||
| Average total assets | $284,478,333 | 2,340 |
| Average earning assets | $278,851,667 | 2,260 |
| Average equity | $15,279,000 | 3,629 |
| Average total loans | $225,971,333 | 2,042 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8045% | 1,405 |
| Cost of funding earning assets | 2.0749% | 26 |
| Net interest margin | 2.7297% | 4,638 |
| Noninterest income to average assets | 2.1642% | 241 |
| Noninterest expense to average assets | 7.2915% | 110 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -2.5090% | 5,067 |
| Return on assets (ROA) | -2.5090% | 5,053 |
| Pretax return on assets | -2.5090% | 5,045 |
| Return on Equity (ROE) | -25.5186% | 5,074 |
| Retained earnings to average equity (ytd only) | -25.5186% | 5,012 |
| Net charge-offs to loans | 0.3327% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -14.7000% | 2,537 |
| Efficiency ratio | 152.4625% | 55 |
| Assets per employee ($millions) | 2.3943% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 2,602 |
| Loan loss allowance to noncurrent loans | 890.9091% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,279 |
| Noncurrent loans to loans | 0.1360% | 3,976 |
| Net loans and leases to total assets | 46.7114% | 4,393 |
| Net loans and leases to deposits | 52.0796% | 4,515 |
| Net loans and leases to core deposits | 61.1125% | 4,308 |
| Total domestic deposits to total assets | 89.6923% | 418 |
| Equity capital to assets | 9.4883% | 4,233 |
| Core capital (leverage) ratio | 8.1304% | 4,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5448% | 692 |
| Memoranda: | ||
| Average total assets | $117,177,500 | 3,748 |
| Average earning assets | $112,393,500 | 3,675 |
| Average equity | $11,521,000 | 4,066 |
| Average total loans | $60,111,500 | 3,955 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6984% | 402 |
| Cost of funding earning assets | 1.9926% | 66 |
| Net interest margin | 3.7058% | 2,799 |
| Noninterest income to average assets | 1.9389% | 274 |
| Noninterest expense to average assets | 3.4364% | 1,052 |
| Loan and lease loss provision to assets | 0.4701% | 276 |
| Net operating income to assets | 1.5905% | 856 |
| Return on assets (ROA) | 1.5905% | 911 |
| Pretax return on assets | 1.5905% | 1,514 |
| Return on Equity (ROE) | 16.9999% | 420 |
| Retained earnings to average equity (ytd only) | 12.3241% | 218 |
| Net charge-offs to loans | 0.6546% | 270 |
| Credit loss provision to net charge-offs | 113.0952% | 2,222 |
| Earnings coverage of net charge-offs (x) | 4.9571% | 3,150 |
| Efficiency ratio | 62.5135% | 3,290 |
| Assets per employee ($millions) | 3.9531% | 3,966 |
| Cash dividends to net income (ytd only)* | 27.5047% | 3,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 2,660 |
| Loan loss allowance to noncurrent loans | 766.6667% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 4,225 |
| Noncurrent loans to loans | 0.1509% | 3,923 |
| Net loans and leases to total assets | 54.8504% | 4,015 |
| Net loans and leases to deposits | 61.6918% | 4,204 |
| Net loans and leases to core deposits | 71.3621% | 3,891 |
| Total domestic deposits to total assets | 88.9104% | 708 |
| Equity capital to assets | 10.1911% | 3,738 |
| Core capital (leverage) ratio | 9.1642% | 4,386 |
| Tier 1 risk-based capital ratio | 22.2857% | 988 |
| Total risk-based capital ratio | 23.5399% | 966 |
| Memoranda: | ||
| Average total assets | $101,035,400 | 3,985 |
| Average earning assets | $97,009,600 | 3,927 |
| Average equity | $9,453,000 | 4,311 |
| Average total loans | $64,164,200 | 3,904 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8305% | 335 |
| Cost of funding earning assets | 1.9383% | 80 |
| Net interest margin | 3.8922% | 2,283 |
| Noninterest income to average assets | 1.4789% | 414 |
| Noninterest expense to average assets | 3.1600% | 1,555 |
| Loan and lease loss provision to assets | 0.5804% | 200 |
| Net operating income to assets | 1.4789% | 1,247 |
| Return on assets (ROA) | 1.4789% | 1,309 |
| Pretax return on assets | 1.4789% | 2,024 |
| Return on Equity (ROE) | 16.2325% | 578 |
| Retained earnings to average equity (ytd only) | 9.6077% | 865 |
| Net charge-offs to loans | 0.6946% | 227 |
| Credit loss provision to net charge-offs | 126.8657% | 1,861 |
| Earnings coverage of net charge-offs (x) | 4.5015% | 3,002 |
| Efficiency ratio | 60.5442% | 3,534 |
| Assets per employee ($millions) | 5.5487% | 1,987 |
| Cash dividends to net income (ytd only)* | 40.8128% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,443 |
| Loan loss allowance to noncurrent loans | 29.4906% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 2.3528% | 317 |
| Noncurrent loans to loans | 4.1125% | 162 |
| Net loans and leases to total assets | 56.5177% | 4,010 |
| Net loans and leases to deposits | 62.3937% | 4,265 |
| Net loans and leases to core deposits | 72.0547% | 3,947 |
| Total domestic deposits to total assets | 90.5825% | 156 |
| Equity capital to assets | 8.6993% | 4,927 |
| Core capital (leverage) ratio | 7.6778% | 5,165 |
| Tier 1 risk-based capital ratio | 19.1610% | 1,531 |
| Total risk-based capital ratio | 20.4172% | 1,499 |
| Memoranda: | ||
| Average total assets | $97,634,500 | 4,076 |
| Average earning assets | $93,826,000 | 4,016 |
| Average equity | $8,895,500 | 4,436 |
| Average total loans | $64,301,250 | 3,936 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9723% | 246 |
| Cost of funding earning assets | 1.8134% | 122 |
| Net interest margin | 4.1589% | 1,463 |
| Noninterest income to average assets | 1.8779% | 294 |
| Noninterest expense to average assets | 3.2708% | 1,341 |
| Loan and lease loss provision to assets | 0.6439% | 167 |
| Net operating income to assets | 1.9552% | 418 |
| Return on assets (ROA) | 1.9552% | 441 |
| Pretax return on assets | 1.9552% | 746 |
| Return on Equity (ROE) | 21.0814% | 200 |
| Retained earnings to average equity (ytd only) | 10.8531% | 571 |
| Net charge-offs to loans | 1.0407% | 134 |
| Credit loss provision to net charge-offs | 89.2857% | 2,143 |
| Earnings coverage of net charge-offs (x) | 3.6042% | 2,824 |
| Efficiency ratio | 55.7221% | 4,280 |
| Assets per employee ($millions) | 5.6212% | 1,851 |
| Cash dividends to net income (ytd only)* | 48.5181% | 1,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 3,784 |
| Loan loss allowance to noncurrent loans | 23.8961% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.5234% | 293 |
| Noncurrent loans to loans | 4.0585% | 177 |
| Net loans and leases to total assets | 61.5719% | 3,594 |
| Net loans and leases to deposits | 67.9929% | 3,969 |
| Net loans and leases to core deposits | 77.9905% | 3,580 |
| Total domestic deposits to total assets | 90.5564% | 184 |
| Equity capital to assets | 8.8444% | 4,883 |
| Core capital (leverage) ratio | 8.2949% | 5,062 |
| Tier 1 risk-based capital ratio | 18.1878% | 1,753 |
| Total risk-based capital ratio | 19.4385% | 1,710 |
| Memoranda: | ||
| Average total assets | $93,188,000 | 4,171 |
| Average earning assets | $89,445,670 | 4,126 |
| Average equity | $8,642,670 | 4,492 |
| Average total loans | $64,571,670 | 3,964 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0762% | 196 |
| Cost of funding earning assets | 1.6506% | 191 |
| Net interest margin | 4.4256% | 854 |
| Noninterest income to average assets | 1.8060% | 283 |
| Noninterest expense to average assets | 3.5702% | 874 |
| Loan and lease loss provision to assets | 0.6946% | 145 |
| Net operating income to assets | 1.7874% | 592 |
| Return on assets (ROA) | 1.7874% | 611 |
| Pretax return on assets | 1.7874% | 1,000 |
| Return on Equity (ROE) | 18.7356% | 343 |
| Retained earnings to average equity (ytd only) | 1.3591% | 4,241 |
| Net charge-offs to loans | 0.9489% | 151 |
| Credit loss provision to net charge-offs | 99.3377% | 1,637 |
| Earnings coverage of net charge-offs (x) | 3.5497% | 2,391 |
| Efficiency ratio | 58.9901% | 3,954 |
| Assets per employee ($millions) | 4.7895% | 2,801 |
| Cash dividends to net income (ytd only)* | 92.7461% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0873% | 3,194 |
| Loan loss allowance to noncurrent loans | 197.1014% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 3,074 |
| Noncurrent loans to loans | 0.5516% | 2,665 |
| Net loans and leases to total assets | 67.9813% | 2,756 |
| Net loans and leases to deposits | 75.3673% | 3,320 |
| Net loans and leases to core deposits | 86.8314% | 2,792 |
| Total domestic deposits to total assets | 90.2000% | 387 |
| Equity capital to assets | 9.1033% | 4,613 |
| Core capital (leverage) ratio | 8.3210% | 5,097 |
| Tier 1 risk-based capital ratio | 17.3136% | 2,008 |
| Total risk-based capital ratio | 18.5671% | 1,949 |
| Memoranda: | ||
| Average total assets | $86,381,000 | 4,320 |
| Average earning assets | $82,880,500 | 4,266 |
| Average equity | $8,241,000 | 4,582 |
| Average total loans | $63,655,500 | 4,016 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8016% | 236 |
| Cost of funding earning assets | 1.2754% | 246 |
| Net interest margin | 4.5261% | 729 |
| Noninterest income to average assets | 1.4518% | 428 |
| Noninterest expense to average assets | 3.4433% | 1,084 |
| Loan and lease loss provision to assets | 0.3616% | 411 |
| Net operating income to assets | 1.8281% | 520 |
| Return on assets (ROA) | 1.8281% | 515 |
| Pretax return on assets | 1.9433% | 642 |
| Return on Equity (ROE) | 18.0032% | 386 |
| Retained earnings to average equity (ytd only) | 14.0464% | 163 |
| Net charge-offs to loans | -0.0173% | 4,656 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8322% | 3,886 |
| Assets per employee ($millions) | 5.1101% | 2,371 |
| Cash dividends to net income (ytd only)* | 21.9780% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 3,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.3824% | 1,205 |
| Net loans and leases to deposits | 87.7531% | 2,070 |
| Net loans and leases to core deposits | 94.7234% | 2,163 |
| Total domestic deposits to total assets | 89.3214% | 724 |
| Equity capital to assets | 10.0267% | 3,663 |
| Core capital (leverage) ratio | 8.9916% | 4,665 |
| Tier 1 risk-based capital ratio | 18.2993% | 1,665 |
| Total risk-based capital ratio | 19.5547% | 1,620 |
| Memoranda: | ||
| Average total assets | $74,667,600 | 4,517 |
| Average earning assets | $70,877,200 | 4,481 |
| Average equity | $7,582,000 | 4,667 |
| Average total loans | $51,931,600 | 4,269 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6209% | 290 |
| Cost of funding earning assets | 1.2145% | 236 |
| Net interest margin | 4.4063% | 890 |
| Noninterest income to average assets | 1.9004% | 299 |
| Noninterest expense to average assets | 3.4954% | 988 |
| Loan and lease loss provision to assets | 0.3475% | 392 |
| Net operating income to assets | 2.0742% | 326 |
| Return on assets (ROA) | 2.0742% | 323 |
| Pretax return on assets | 2.2315% | 383 |
| Return on Equity (ROE) | 20.3549% | 250 |
| Retained earnings to average equity (ytd only) | 14.9700% | 178 |
| Net charge-offs to loans | -0.0246% | 4,689 |
| Credit loss provision to net charge-offs | -2,111.1111% | 4,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4526% | 4,190 |
| Assets per employee ($millions) | 4.3718% | 3,325 |
| Cash dividends to net income (ytd only)* | 26.4551% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0848% | 3,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 69.6377% | 2,702 |
| Net loans and leases to deposits | 78.0071% | 3,236 |
| Net loans and leases to core deposits | 88.9610% | 2,750 |
| Total domestic deposits to total assets | 89.2710% | 739 |
| Equity capital to assets | 10.0632% | 3,575 |
| Core capital (leverage) ratio | 8.8695% | 4,831 |
| Tier 1 risk-based capital ratio | 18.9347% | 1,552 |
| Total risk-based capital ratio | 20.1886% | 1,523 |
| Memoranda: | ||
| Average total assets | $72,894,000 | 4,592 |
| Average earning assets | $69,050,750 | 4,560 |
| Average equity | $7,428,000 | 4,735 |
| Average total loans | $48,722,500 | 4,384 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2268% | 530 |
| Cost of funding earning assets | 1.1430% | 237 |
| Net interest margin | 4.0838% | 1,606 |
| Noninterest income to average assets | 1.1556% | 720 |
| Noninterest expense to average assets | 3.5231% | 968 |
| Loan and lease loss provision to assets | 0.2818% | 506 |
| Net operating income to assets | 0.9752% | 3,123 |
| Return on assets (ROA) | 0.9752% | 3,124 |
| Pretax return on assets | 1.2176% | 2,880 |
| Return on Equity (ROE) | 9.5260% | 2,786 |
| Retained earnings to average equity (ytd only) | 7.2959% | 1,923 |
| Net charge-offs to loans | -0.0344% | 4,790 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5185% | 2,555 |
| Assets per employee ($millions) | 4.1453% | 3,660 |
| Cash dividends to net income (ytd only)* | 23.4104% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,336 |
| Loan loss allowance to noncurrent loans | 2,217.3913% | 308 |
| Noncurrent assets plus other real estate owned to assets | 0.0308% | 4,877 |
| Noncurrent loans to loans | 0.0491% | 4,694 |
| Net loans and leases to total assets | 62.1564% | 3,582 |
| Net loans and leases to deposits | 69.4053% | 3,907 |
| Net loans and leases to core deposits | 78.6841% | 3,521 |
| Total domestic deposits to total assets | 89.5557% | 721 |
| Equity capital to assets | 9.8881% | 3,730 |
| Core capital (leverage) ratio | 8.8299% | 4,859 |
| Tier 1 risk-based capital ratio | 19.5214% | 1,424 |
| Total risk-based capital ratio | 20.7727% | 1,385 |
| Memoranda: | ||
| Average total assets | $70,961,000 | 4,670 |
| Average earning assets | $67,192,000 | 4,640 |
| Average equity | $7,264,330 | 4,807 |
| Average total loans | $46,496,330 | 4,472 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1565% | 535 |
| Cost of funding earning assets | 1.0914% | 238 |
| Net interest margin | 4.0651% | 1,524 |
| Noninterest income to average assets | 1.1572% | 687 |
| Noninterest expense to average assets | 3.5062% | 991 |
| Loan and lease loss provision to assets | 0.2893% | 457 |
| Net operating income to assets | 0.7001% | 4,097 |
| Return on assets (ROA) | 0.7001% | 4,102 |
| Pretax return on assets | 1.1977% | 2,757 |
| Return on Equity (ROE) | 6.7152% | 3,903 |
| Retained earnings to average equity (ytd only) | 6.7152% | 2,405 |
| Net charge-offs to loans | -0.0691% | 5,105 |
| Credit loss provision to net charge-offs | -625.0000% | 4,061 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1344% | 2,805 |
| Assets per employee ($millions) | 4.0611% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 3,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 65.9362% | 3,041 |
| Net loans and leases to deposits | 74.1396% | 3,402 |
| Net loans and leases to core deposits | 97.9115% | 1,838 |
| Total domestic deposits to total assets | 88.9351% | 1,124 |
| Equity capital to assets | 10.5275% | 3,049 |
| Core capital (leverage) ratio | 9.0878% | 4,579 |
| Tier 1 risk-based capital ratio | 19.3695% | 1,462 |
| Total risk-based capital ratio | 20.6216% | 1,426 |
| Memoranda: | ||
| Average total assets | $69,134,000 | 4,750 |
| Average earning assets | $65,238,500 | 4,727 |
| Average equity | $7,207,500 | 4,869 |
| Average total loans | $46,300,500 | 4,528 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7518% | 1,072 |
| Cost of funding earning assets | 0.8705% | 440 |
| Net interest margin | 3.8812% | 2,147 |
| Noninterest income to average assets | 0.8904% | 1,303 |
| Noninterest expense to average assets | 3.4550% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7902% | 3,204 |
| Return on assets (ROA) | 0.7902% | 3,247 |
| Pretax return on assets | 1.0811% | 3,259 |
| Return on Equity (ROE) | 7.0510% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.0510% | 1,054 |
| Net charge-offs to loans | -0.0223% | 4,986 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5280% | 1,825 |
| Assets per employee ($millions) | 4.0724% | 3,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 4,625 |
| Loan loss allowance to noncurrent loans | 804.0000% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 4,758 |
| Noncurrent loans to loans | 0.1072% | 4,504 |
| Net loans and leases to total assets | 66.7615% | 2,996 |
| Net loans and leases to deposits | 74.8910% | 3,437 |
| Net loans and leases to core deposits | 90.8589% | 2,477 |
| Total domestic deposits to total assets | 89.1449% | 933 |
| Equity capital to assets | 10.3236% | 3,363 |
| Core capital (leverage) ratio | 9.4917% | 4,065 |
| Tier 1 risk-based capital ratio | 18.0939% | 1,777 |
| Total risk-based capital ratio | 19.2786% | 1,746 |
| Memoranda: | ||
| Average total assets | $61,882,000 | 4,926 |
| Average earning assets | $58,125,800 | 4,908 |
| Average equity | $6,935,200 | 4,951 |
| Average total loans | $44,793,200 | 4,597 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 1,302 |
| Cost of funding earning assets | 0.8478% | 458 |
| Net interest margin | 3.7786% | 2,474 |
| Noninterest income to average assets | 1.1236% | 803 |
| Noninterest expense to average assets | 3.4129% | 1,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0259% | 2,438 |
| Return on assets (ROA) | 1.0259% | 2,484 |
| Pretax return on assets | 1.2635% | 2,655 |
| Return on Equity (ROE) | 8.9503% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.9503% | 861 |
| Net charge-offs to loans | -0.0210% | 4,864 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4625% | 2,289 |
| Assets per employee ($millions) | 3.9803% | 4,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 4,817 |
| Loan loss allowance to noncurrent loans | 70.1230% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 0.8966% | 1,907 |
| Noncurrent loans to loans | 1.1821% | 1,628 |
| Net loans and leases to total assets | 74.9564% | 1,769 |
| Net loans and leases to deposits | 84.8037% | 2,460 |
| Net loans and leases to core deposits | 103.7468% | 1,405 |
| Total domestic deposits to total assets | 88.3882% | 1,177 |
| Equity capital to assets | 11.1800% | 2,693 |
| Core capital (leverage) ratio | 10.1123% | 3,429 |
| Tier 1 risk-based capital ratio | 18.4720% | 1,738 |
| Total risk-based capital ratio | 19.6793% | 1,702 |
| Memoranda: | ||
| Average total assets | $60,045,000 | 5,019 |
| Average earning assets | $56,457,000 | 4,997 |
| Average equity | $6,882,250 | 5,013 |
| Average total loans | $44,336,250 | 4,653 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 1,821 |
| Cost of funding earning assets | 0.8272% | 458 |
| Net interest margin | 3.5701% | 3,148 |
| Noninterest income to average assets | 1.5400% | 458 |
| Noninterest expense to average assets | 3.3927% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2680% | 1,382 |
| Return on assets (ROA) | 1.2680% | 1,412 |
| Pretax return on assets | 1.4924% | 1,678 |
| Return on Equity (ROE) | 10.9658% | 1,658 |
| Retained earnings to average equity (ytd only) | 10.9658% | 442 |
| Net charge-offs to loans | -0.0186% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0585% | 3,003 |
| Assets per employee ($millions) | 3.9388% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8187% | 4,898 |
| Loan loss allowance to noncurrent loans | 65.6716% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.0240% | 1,709 |
| Noncurrent loans to loans | 1.2467% | 1,553 |
| Net loans and leases to total assets | 81.1973% | 790 |
| Net loans and leases to deposits | 92.5548% | 1,422 |
| Net loans and leases to core deposits | 110.6797% | 969 |
| Total domestic deposits to total assets | 87.7289% | 1,602 |
| Equity capital to assets | 11.9021% | 2,001 |
| Core capital (leverage) ratio | 10.5011% | 2,914 |
| Tier 1 risk-based capital ratio | 18.4429% | 1,732 |
| Total risk-based capital ratio | 19.6581% | 1,705 |
| Memoranda: | ||
| Average total assets | $58,831,670 | 5,082 |
| Average earning assets | $55,125,000 | 5,063 |
| Average equity | $6,803,000 | 5,054 |
| Average total loans | $43,070,000 | 4,713 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1092% | 2,618 |
| Cost of funding earning assets | 0.8059% | 471 |
| Net interest margin | 3.3033% | 3,996 |
| Noninterest income to average assets | 0.3202% | 4,261 |
| Noninterest expense to average assets | 3.2228% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4156% | 4,907 |
| Return on assets (ROA) | 0.4156% | 4,930 |
| Pretax return on assets | 0.1976% | 5,436 |
| Return on Equity (ROE) | 3.6481% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.6481% | 3,614 |
| Net charge-offs to loans | -0.0297% | 4,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2311% | 440 |
| Assets per employee ($millions) | 4.4112% | 3,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,546 |
| Loan loss allowance to noncurrent loans | 57.6642% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 1.6339% | 951 |
| Noncurrent loans to loans | 1.6494% | 1,173 |
| Net loans and leases to total assets | 71.7312% | 2,107 |
| Net loans and leases to deposits | 81.5475% | 2,566 |
| Net loans and leases to core deposits | 96.8498% | 1,761 |
| Total domestic deposits to total assets | 87.9625% | 1,739 |
| Equity capital to assets | 11.7166% | 2,022 |
| Core capital (leverage) ratio | 9.8458% | 3,697 |
| Tier 1 risk-based capital ratio | 19.3575% | 1,525 |
| Total risk-based capital ratio | 20.6065% | 1,501 |
| Memoranda: | ||
| Average total assets | $58,706,500 | 5,139 |
| Average earning assets | $55,096,000 | 5,120 |
| Average equity | $6,688,500 | 5,123 |
| Average total loans | $40,420,500 | 4,835 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9194% | 3,499 |
| Cost of funding earning assets | 0.8201% | 455 |
| Net interest margin | 3.0993% | 4,727 |
| Noninterest income to average assets | 1.0604% | 1,001 |
| Noninterest expense to average assets | 3.2599% | 1,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6824% | 3,863 |
| Return on assets (ROA) | 0.6824% | 3,979 |
| Pretax return on assets | 0.7286% | 4,394 |
| Return on Equity (ROE) | 6.2028% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.2028% | 1,609 |
| Net charge-offs to loans | -0.0025% | 4,730 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1166% | 1,540 |
| Assets per employee ($millions) | 4.6205% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 4,347 |
| Loan loss allowance to noncurrent loans | 40.8759% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 2.0244% | 676 |
| Noncurrent loans to loans | 2.4395% | 653 |
| Net loans and leases to total assets | 64.7926% | 3,245 |
| Net loans and leases to deposits | 73.1299% | 3,602 |
| Net loans and leases to core deposits | 81.4819% | 3,253 |
| Total domestic deposits to total assets | 88.5994% | 1,324 |
| Equity capital to assets | 11.0843% | 2,558 |
| Core capital (leverage) ratio | 9.8412% | 3,699 |
| Tier 1 risk-based capital ratio | 20.5521% | 1,284 |
| Total risk-based capital ratio | 21.8011% | 1,253 |
| Memoranda: | ||
| Average total assets | $58,467,800 | 5,175 |
| Average earning assets | $55,238,200 | 5,139 |
| Average equity | $6,432,600 | 5,202 |
| Average total loans | $39,362,400 | 4,897 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9514% | 3,413 |
| Cost of funding earning assets | 0.8087% | 485 |
| Net interest margin | 3.1427% | 4,663 |
| Noninterest income to average assets | 1.3019% | 683 |
| Noninterest expense to average assets | 3.2926% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7462% | 3,623 |
| Return on assets (ROA) | 0.7462% | 3,752 |
| Pretax return on assets | 0.9804% | 3,704 |
| Return on Equity (ROE) | 6.7958% | 3,668 |
| Retained earnings to average equity (ytd only) | 6.7958% | 1,723 |
| Net charge-offs to loans | -0.0474% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6373% | 2,168 |
| Assets per employee ($millions) | 5.2400% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,959 |
| Loan loss allowance to noncurrent loans | 58.6957% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6430% | 1,053 |
| Noncurrent loans to loans | 1.8369% | 1,114 |
| Net loans and leases to total assets | 64.4656% | 3,336 |
| Net loans and leases to deposits | 73.0378% | 3,697 |
| Net loans and leases to core deposits | 88.3494% | 2,726 |
| Total domestic deposits to total assets | 88.2634% | 1,256 |
| Equity capital to assets | 11.4226% | 2,580 |
| Core capital (leverage) ratio | 9.8272% | 3,775 |
| Tier 1 risk-based capital ratio | 20.6204% | 1,335 |
| Total risk-based capital ratio | 21.8717% | 1,304 |
| Memoranda: | ||
| Average total assets | $58,068,000 | 5,235 |
| Average earning assets | $54,898,750 | 5,194 |
| Average equity | $6,376,250 | 5,267 |
| Average total loans | $39,375,250 | 4,944 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 3,268 |
| Cost of funding earning assets | 0.7955% | 507 |
| Net interest margin | 3.1965% | 4,551 |
| Noninterest income to average assets | 0.9826% | 1,165 |
| Noninterest expense to average assets | 3.3465% | 1,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5016% | 4,672 |
| Return on assets (ROA) | 0.5016% | 4,780 |
| Pretax return on assets | 0.6597% | 4,741 |
| Return on Equity (ROE) | 4.6298% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.6298% | 2,958 |
| Net charge-offs to loans | -0.0650% | 5,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9605% | 1,386 |
| Assets per employee ($millions) | 4.3582% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 4,482 |
| Loan loss allowance to noncurrent loans | 57.8797% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.6856% | 1,069 |
| Noncurrent loans to loans | 1.7390% | 1,209 |
| Net loans and leases to total assets | 70.1308% | 2,458 |
| Net loans and leases to deposits | 79.3015% | 3,021 |
| Net loans and leases to core deposits | 98.4660% | 1,765 |
| Total domestic deposits to total assets | 88.4357% | 1,208 |
| Equity capital to assets | 11.3066% | 2,735 |
| Core capital (leverage) ratio | 9.3315% | 4,419 |
| Tier 1 risk-based capital ratio | 19.8293% | 1,493 |
| Total risk-based capital ratio | 21.0848% | 1,460 |
| Memoranda: | ||
| Average total assets | $58,210,670 | 5,285 |
| Average earning assets | $55,059,670 | 5,248 |
| Average equity | $6,307,000 | 5,328 |
| Average total loans | $39,979,330 | 4,970 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 3,634 |
| Cost of funding earning assets | 0.7615% | 600 |
| Net interest margin | 3.1250% | 4,798 |
| Noninterest income to average assets | 0.2780% | 4,731 |
| Noninterest expense to average assets | 3.2142% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0136% | 5,773 |
| Return on assets (ROA) | 0.0136% | 5,801 |
| Pretax return on assets | 0.0136% | 5,797 |
| Return on Equity (ROE) | 0.1278% | 5,801 |
| Retained earnings to average equity (ytd only) | 0.1278% | 5,077 |
| Net charge-offs to loans | -0.0501% | 5,328 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4286% | 388 |
| Assets per employee ($millions) | 4.4713% | 3,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 4,857 |
| Loan loss allowance to noncurrent loans | 40.0000% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.7152% | 1,123 |
| Noncurrent loans to loans | 2.3711% | 827 |
| Net loans and leases to total assets | 71.1477% | 2,167 |
| Net loans and leases to deposits | 79.9536% | 2,793 |
| Net loans and leases to core deposits | 97.6091% | 1,664 |
| Total domestic deposits to total assets | 88.9862% | 1,109 |
| Equity capital to assets | 10.7661% | 3,189 |
| Core capital (leverage) ratio | 8.7542% | 5,118 |
| Tier 1 risk-based capital ratio | 18.2032% | 1,929 |
| Total risk-based capital ratio | 19.4556% | 1,894 |
| Memoranda: | ||
| Average total assets | $58,987,500 | 5,310 |
| Average earning assets | $55,679,500 | 5,276 |
| Average equity | $6,257,500 | 5,373 |
| Average total loans | $39,900,000 | 5,009 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5976% | 4,684 |
| Cost of funding earning assets | 0.6515% | 1,067 |
| Net interest margin | 2.9461% | 5,259 |
| Noninterest income to average assets | 0.8344% | 1,658 |
| Noninterest expense to average assets | 3.6682% | 1,019 |
| Loan and lease loss provision to assets | -0.3359% | 6,078 |
| Net operating income to assets | 0.2059% | 5,558 |
| Return on assets (ROA) | 0.2131% | 5,609 |
| Pretax return on assets | 0.2781% | 5,563 |
| Return on Equity (ROE) | 1.9005% | 5,590 |
| Retained earnings to average equity (ytd only) | 1.9005% | 4,641 |
| Net charge-offs to loans | -0.0762% | 5,700 |
| Credit loss provision to net charge-offs | 715.3846% | 466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0476% | 307 |
| Assets per employee ($millions) | 4.6037% | 2,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0276% | 4,449 |
| Loan loss allowance to noncurrent loans | 53.1250% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 1.2415% | 1,730 |
| Noncurrent loans to loans | 1.9344% | 1,100 |
| Net loans and leases to total assets | 62.9211% | 3,427 |
| Net loans and leases to deposits | 70.5055% | 3,866 |
| Net loans and leases to core deposits | 90.8142% | 2,333 |
| Total domestic deposits to total assets | 89.2427% | 1,002 |
| Equity capital to assets | 10.4548% | 3,414 |
| Core capital (leverage) ratio | 8.6538% | 5,271 |
| Tier 1 risk-based capital ratio | 20.4072% | 1,402 |
| Total risk-based capital ratio | 21.6628% | 1,382 |
| Memoranda: | ||
| Average total assets | $55,367,400 | 5,422 |
| Average earning assets | $52,035,000 | 5,387 |
| Average equity | $6,209,000 | 5,394 |
| Average total loans | $34,140,800 | 5,219 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5932% | 4,761 |
| Cost of funding earning assets | 0.6316% | 1,203 |
| Net interest margin | 2.9616% | 5,285 |
| Noninterest income to average assets | 0.8160% | 1,746 |
| Noninterest expense to average assets | 3.7089% | 962 |
| Loan and lease loss provision to assets | -0.4571% | 6,199 |
| Net operating income to assets | 0.2581% | 5,555 |
| Return on assets (ROA) | 0.2679% | 5,614 |
| Pretax return on assets | 0.3515% | 5,554 |
| Return on Equity (ROE) | 2.3452% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.3452% | 4,711 |
| Net charge-offs to loans | -0.0362% | 5,426 |
| Credit loss provision to net charge-offs | 2,066.6667% | 183 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2900% | 346 |
| Assets per employee ($millions) | 4.3848% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 4,934 |
| Loan loss allowance to noncurrent loans | 42.3077% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 1.5631% | 1,428 |
| Noncurrent loans to loans | 2.2725% | 950 |
| Net loans and leases to total assets | 67.5871% | 2,752 |
| Net loans and leases to deposits | 76.2574% | 3,271 |
| Net loans and leases to core deposits | 98.7593% | 1,630 |
| Total domestic deposits to total assets | 88.6302% | 1,220 |
| Equity capital to assets | 10.9698% | 3,063 |
| Core capital (leverage) ratio | 8.8622% | 5,166 |
| Tier 1 risk-based capital ratio | 19.6539% | 1,633 |
| Total risk-based capital ratio | 20.9079% | 1,602 |
| Memoranda: | ||
| Average total assets | $54,247,250 | 5,520 |
| Average earning assets | $50,872,000 | 5,487 |
| Average equity | $6,197,000 | 5,463 |
| Average total loans | $33,164,000 | 5,316 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6500% | 4,576 |
| Cost of funding earning assets | 0.6103% | 1,344 |
| Net interest margin | 3.0397% | 5,119 |
| Noninterest income to average assets | 1.0351% | 1,108 |
| Noninterest expense to average assets | 3.7616% | 918 |
| Loan and lease loss provision to assets | -0.3413% | 6,245 |
| Net operating income to assets | 0.2925% | 5,459 |
| Return on assets (ROA) | 0.3075% | 5,516 |
| Pretax return on assets | 0.4688% | 5,307 |
| Return on Equity (ROE) | 2.6544% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.6544% | 4,368 |
| Net charge-offs to loans | 0.0896% | 2,133 |
| Credit loss provision to net charge-offs | -650.0000% | 5,274 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 3,397 |
| Efficiency ratio | 92.7396% | 596 |
| Assets per employee ($millions) | 4.3885% | 3,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4605% | 2,461 |
| Loan loss allowance to noncurrent loans | 60.5978% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.5092% | 1,626 |
| Noncurrent loans to loans | 2.4101% | 946 |
| Net loans and leases to total assets | 52.7458% | 4,680 |
| Net loans and leases to deposits | 59.4398% | 4,897 |
| Net loans and leases to core deposits | 74.5128% | 3,907 |
| Total domestic deposits to total assets | 88.7381% | 1,275 |
| Equity capital to assets | 10.9078% | 2,984 |
| Core capital (leverage) ratio | 8.8459% | 5,162 |
| Tier 1 risk-based capital ratio | 20.2491% | 1,497 |
| Total risk-based capital ratio | 21.5106% | 1,471 |
| Memoranda: | ||
| Average total assets | $53,329,000 | 5,605 |
| Average earning assets | $49,808,330 | 5,568 |
| Average equity | $6,178,330 | 5,510 |
| Average total loans | $31,252,000 | 5,427 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5250% | 4,895 |
| Cost of funding earning assets | 0.5707% | 1,655 |
| Net interest margin | 2.9543% | 5,335 |
| Noninterest income to average assets | 1.2903% | 692 |
| Noninterest expense to average assets | 3.8166% | 861 |
| Loan and lease loss provision to assets | -0.0078% | 6,096 |
| Net operating income to assets | 0.1477% | 5,797 |
| Return on assets (ROA) | 0.2176% | 5,727 |
| Pretax return on assets | 0.2876% | 5,671 |
| Return on Equity (ROE) | 1.8194% | 5,724 |
| Retained earnings to average equity (ytd only) | 1.8194% | 4,738 |
| Net charge-offs to loans | -0.0253% | 5,159 |
| Credit loss provision to net charge-offs | 50.0000% | 2,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7336% | 796 |
| Assets per employee ($millions) | 4.7158% | 2,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 1,777 |
| Loan loss allowance to noncurrent loans | 73.3333% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.7141% | 1,460 |
| Noncurrent loans to loans | 2.2976% | 1,074 |
| Net loans and leases to total assets | 56.7124% | 4,122 |
| Net loans and leases to deposits | 66.6037% | 4,093 |
| Net loans and leases to core deposits | 83.9955% | 2,773 |
| Total domestic deposits to total assets | 85.1491% | 3,335 |
| Equity capital to assets | 10.9067% | 3,082 |
| Core capital (leverage) ratio | 14.4003% | 717 |
| Tier 1 risk-based capital ratio | 8.2074% | 6,349 |
| Total risk-based capital ratio | 8.8888% | 6,360 |
| Memoranda: | ||
| Average total assets | $51,459,000 | 5,693 |
| Average earning assets | $47,659,500 | 5,666 |
| Average equity | $6,156,000 | 5,564 |
| Average total loans | $31,609,000 | 5,451 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,685 |
| Cost of funding earning assets | 0.5901% | 1,857 |
| Net interest margin | 3.6893% | 3,046 |
| Noninterest income to average assets | 2.1701% | 300 |
| Noninterest expense to average assets | 4.3761% | 514 |
| Loan and lease loss provision to assets | 1.3200% | 71 |
| Net operating income to assets | -0.2528% | 6,224 |
| Return on assets (ROA) | -0.1902% | 6,198 |
| Pretax return on assets | -0.1902% | 6,184 |
| Return on Equity (ROE) | -1.3976% | 6,184 |
| Retained earnings to average equity (ytd only) | -1.3976% | 5,959 |
| Net charge-offs to loans | 0.6681% | 572 |
| Credit loss provision to net charge-offs | 310.5263% | 840 |
| Earnings coverage of net charge-offs (x) | 2.5105% | 4,131 |
| Efficiency ratio | 78.7916% | 2,090 |
| Assets per employee ($millions) | 4.2117% | 3,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 1,539 |
| Loan loss allowance to noncurrent loans | 67.6507% | 4,581 |
| Noncurrent assets plus other real estate owned to assets | 2.3916% | 977 |
| Noncurrent loans to loans | 2.6590% | 922 |
| Net loans and leases to total assets | 64.8082% | 3,088 |
| Net loans and leases to deposits | 79.5175% | 2,782 |
| Net loans and leases to core deposits | 108.0386% | 887 |
| Total domestic deposits to total assets | 81.5019% | 4,596 |
| Equity capital to assets | 13.2530% | 1,249 |
| Core capital (leverage) ratio | 10.6612% | 2,767 |
| Tier 1 risk-based capital ratio | 15.3851% | 3,280 |
| Total risk-based capital ratio | 16.1235% | 3,491 |
| Memoranda: | ||
| Average total assets | $44,697,400 | 5,913 |
| Average earning assets | $39,655,600 | 5,926 |
| Average equity | $6,082,000 | 5,602 |
| Average total loans | $28,437,000 | 5,629 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2753% | 2,727 |
| Cost of funding earning assets | 0.5760% | 2,056 |
| Net interest margin | 3.6993% | 3,027 |
| Noninterest income to average assets | 2.8539% | 202 |
| Noninterest expense to average assets | 4.7565% | 371 |
| Loan and lease loss provision to assets | 3.3175% | 13 |
| Net operating income to assets | -1.9718% | 6,528 |
| Return on assets (ROA) | -1.9478% | 6,527 |
| Pretax return on assets | -1.9478% | 6,518 |
| Return on Equity (ROE) | -14.2176% | 6,487 |
| Retained earnings to average equity (ytd only) | -14.2176% | 6,439 |
| Net charge-offs to loans | 2.3271% | 75 |
| Credit loss provision to net charge-offs | 226.2834% | 1,149 |
| Earnings coverage of net charge-offs (x) | 0.9179% | 4,278 |
| Efficiency ratio | 76.5170% | 2,410 |
| Assets per employee ($millions) | 3.6130% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3536% | 779 |
| Loan loss allowance to noncurrent loans | 39.0505% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 5.2439% | 308 |
| Noncurrent loans to loans | 6.0271% | 234 |
| Net loans and leases to total assets | 67.5722% | 2,603 |
| Net loans and leases to deposits | 81.8939% | 2,437 |
| Net loans and leases to core deposits | 108.6955% | 814 |
| Total domestic deposits to total assets | 82.5119% | 4,296 |
| Equity capital to assets | 11.8738% | 2,174 |
| Core capital (leverage) ratio | 9.2309% | 4,737 |
| Tier 1 risk-based capital ratio | 12.7893% | 4,983 |
| Total risk-based capital ratio | 13.6728% | 5,141 |
| Memoranda: | ||
| Average total assets | $44,289,500 | 5,992 |
| Average earning assets | $38,889,250 | 6,025 |
| Average equity | $6,067,500 | 5,662 |
| Average total loans | $27,902,500 | 5,707 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 1,836 |
| Cost of funding earning assets | 0.5691% | 2,171 |
| Net interest margin | 3.9303% | 2,038 |
| Noninterest income to average assets | 2.3965% | 258 |
| Noninterest expense to average assets | 5.3783% | 249 |
| Loan and lease loss provision to assets | 0.3457% | 522 |
| Net operating income to assets | -0.3226% | 6,383 |
| Return on assets (ROA) | 0.0507% | 6,158 |
| Pretax return on assets | 0.4517% | 5,416 |
| Return on Equity (ROE) | 0.3531% | 6,171 |
| Retained earnings to average equity (ytd only) | 0.3531% | 5,591 |
| Net charge-offs to loans | -0.0607% | 5,962 |
| Credit loss provision to net charge-offs | -937.5000% | 5,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4218% | 806 |
| Assets per employee ($millions) | 3.6436% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 5,901 |
| Loan loss allowance to noncurrent loans | 18.2316% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 4.4905% | 438 |
| Noncurrent loans to loans | 4.5697% | 475 |
| Net loans and leases to total assets | 58.5513% | 3,917 |
| Net loans and leases to deposits | 72.0438% | 3,561 |
| Net loans and leases to core deposits | 90.3417% | 2,097 |
| Total domestic deposits to total assets | 81.2718% | 4,887 |
| Equity capital to assets | 13.1590% | 1,287 |
| Core capital (leverage) ratio | 15.1365% | 582 |
| Tier 1 risk-based capital ratio | 23.0290% | 1,102 |
| Total risk-based capital ratio | 23.8450% | 1,156 |
| Memoranda: | ||
| Average total assets | $43,396,330 | 6,071 |
| Average earning assets | $37,605,330 | 6,126 |
| Average equity | $6,231,000 | 5,670 |
| Average total loans | $26,369,000 | 5,828 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1249% | 570 |
| Cost of funding earning assets | 0.5949% | 2,016 |
| Net interest margin | 4.5301% | 620 |
| Noninterest income to average assets | 1.4392% | 564 |
| Noninterest expense to average assets | 4.3563% | 526 |
| Loan and lease loss provision to assets | 0.3671% | 466 |
| Net operating income to assets | 0.4443% | 4,955 |
| Return on assets (ROA) | 0.2028% | 5,845 |
| Pretax return on assets | 0.2994% | 5,721 |
| Return on Equity (ROE) | 1.3483% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.3483% | 5,073 |
| Net charge-offs to loans | 0.1251% | 1,967 |
| Credit loss provision to net charge-offs | 475.0000% | 566 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,761 |
| Efficiency ratio | 80.9174% | 2,063 |
| Assets per employee ($millions) | 2.8423% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6895% | 6,296 |
| Loan loss allowance to noncurrent loans | 140.6250% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 2,437 |
| Noncurrent loans to loans | 0.4903% | 4,686 |
| Net loans and leases to total assets | 65.1488% | 2,708 |
| Net loans and leases to deposits | 81.4247% | 2,110 |
| Net loans and leases to core deposits | 97.2174% | 1,300 |
| Total domestic deposits to total assets | 80.0111% | 5,478 |
| Equity capital to assets | 15.6740% | 574 |
| Core capital (leverage) ratio | 15.9767% | 481 |
| Tier 1 risk-based capital ratio | 21.0481% | 1,463 |
| Total risk-based capital ratio | 21.6995% | 1,571 |
| Memoranda: | ||
| Average total assets | $41,411,000 | 6,182 |
| Average earning assets | $34,966,500 | 6,254 |
| Average equity | $6,230,000 | 5,704 |
| Average total loans | $25,570,000 | 5,908 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 472 |
| Cost of funding earning assets | 0.5679% | 2,944 |
| Net interest margin | 4.7942% | 438 |
| Noninterest income to average assets | 0.9441% | 1,540 |
| Noninterest expense to average assets | 4.1972% | 704 |
| Loan and lease loss provision to assets | 0.4762% | 592 |
| Net operating income to assets | 0.2725% | 5,612 |
| Return on assets (ROA) | 0.1329% | 6,036 |
| Pretax return on assets | 0.2187% | 5,903 |
| Return on Equity (ROE) | 0.7735% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.7735% | 5,490 |
| Net charge-offs to loans | 0.8459% | 730 |
| Credit loss provision to net charge-offs | 81.9048% | 2,992 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 4,592 |
| Efficiency ratio | 81.7680% | 1,910 |
| Assets per employee ($millions) | 3.0736% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5991% | 6,474 |
| Loan loss allowance to noncurrent loans | 187.5000% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 2.6284% | 1,284 |
| Noncurrent loans to loans | 0.3195% | 5,230 |
| Net loans and leases to total assets | 57.8341% | 4,061 |
| Net loans and leases to deposits | 78.9280% | 2,596 |
| Net loans and leases to core deposits | 117.2320% | 390 |
| Total domestic deposits to total assets | 73.2745% | 6,331 |
| Equity capital to assets | 14.4620% | 792 |
| Core capital (leverage) ratio | 13.9254% | 847 |
| Tier 1 risk-based capital ratio | 18.5075% | 2,078 |
| Total risk-based capital ratio | 19.0737% | 2,267 |
| Memoranda: | ||
| Average total assets | $36,119,200 | 6,389 |
| Average earning assets | $30,641,200 | 6,437 |
| Average equity | $6,205,800 | 5,762 |
| Average total loans | $24,824,400 | 5,992 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1622% | 698 |
| Cost of funding earning assets | 0.5596% | 3,165 |
| Net interest margin | 4.6026% | 615 |
| Noninterest income to average assets | 0.8413% | 1,971 |
| Noninterest expense to average assets | 4.4041% | 573 |
| Loan and lease loss provision to assets | 0.5931% | 415 |
| Net operating income to assets | -0.1706% | 6,447 |
| Return on assets (ROA) | -0.0194% | 6,362 |
| Pretax return on assets | -0.0194% | 6,339 |
| Return on Equity (ROE) | -0.1076% | 6,355 |
| Retained earnings to average equity (ytd only) | -0.1076% | 5,956 |
| Net charge-offs to loans | 0.8773% | 665 |
| Credit loss provision to net charge-offs | 93.8650% | 2,534 |
| Earnings coverage of net charge-offs (x) | 0.6687% | 4,624 |
| Efficiency ratio | 89.1566% | 1,072 |
| Assets per employee ($millions) | 2.7061% | 6,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6981% | 6,443 |
| Loan loss allowance to noncurrent loans | 1,483.3333% | 338 |
| Noncurrent assets plus other real estate owned to assets | 1.6743% | 2,456 |
| Noncurrent loans to loans | 0.0471% | 6,204 |
| Net loans and leases to total assets | 71.9776% | 1,596 |
| Net loans and leases to deposits | 89.4135% | 1,230 |
| Net loans and leases to core deposits | 105.7333% | 775 |
| Total domestic deposits to total assets | 80.4997% | 5,359 |
| Equity capital to assets | 17.5559% | 362 |
| Core capital (leverage) ratio | 15.1490% | 618 |
| Tier 1 risk-based capital ratio | 19.8714% | 1,761 |
| Total risk-based capital ratio | 20.5653% | 1,869 |
| Memoranda: | ||
| Average total assets | $34,391,500 | 6,495 |
| Average earning assets | $29,779,750 | 6,522 |
| Average equity | $6,201,500 | 5,838 |
| Average total loans | $24,771,500 | 6,051 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1710% | 670 |
| Cost of funding earning assets | 0.5415% | 3,487 |
| Net interest margin | 4.6295% | 573 |
| Noninterest income to average assets | 0.8790% | 1,894 |
| Noninterest expense to average assets | 4.2896% | 634 |
| Loan and lease loss provision to assets | 0.6622% | 365 |
| Net operating income to assets | -0.0466% | 6,354 |
| Return on assets (ROA) | 0.0996% | 6,222 |
| Pretax return on assets | 0.1641% | 6,140 |
| Return on Equity (ROE) | 0.5475% | 6,302 |
| Retained earnings to average equity (ytd only) | 0.5475% | 5,685 |
| Net charge-offs to loans | 1.0029% | 607 |
| Credit loss provision to net charge-offs | 91.8699% | 2,399 |
| Earnings coverage of net charge-offs (x) | 0.8293% | 4,254 |
| Efficiency ratio | 85.8513% | 1,426 |
| Assets per employee ($millions) | 3.1495% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 6,485 |
| Loan loss allowance to noncurrent loans | 77.4892% | 4,122 |
| Noncurrent assets plus other real estate owned to assets | 3.4868% | 1,107 |
| Noncurrent loans to loans | 0.9164% | 4,095 |
| Net loans and leases to total assets | 72.2442% | 1,532 |
| Net loans and leases to deposits | 90.0939% | 1,134 |
| Net loans and leases to core deposits | 105.7593% | 748 |
| Total domestic deposits to total assets | 80.1876% | 5,565 |
| Equity capital to assets | 17.8871% | 331 |
| Core capital (leverage) ratio | 16.0591% | 457 |
| Tier 1 risk-based capital ratio | 21.5745% | 1,374 |
| Total risk-based capital ratio | 22.3032% | 1,451 |
| Memoranda: | ||
| Average total assets | $34,129,000 | 6,548 |
| Average earning assets | $29,549,330 | 6,574 |
| Average equity | $6,210,000 | 5,876 |
| Average total loans | $24,529,000 | 6,094 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8927% | 1,105 |
| Cost of funding earning assets | 0.5572% | 3,501 |
| Net interest margin | 4.3355% | 899 |
| Noninterest income to average assets | 0.8621% | 1,893 |
| Noninterest expense to average assets | 3.7790% | 1,140 |
| Loan and lease loss provision to assets | 1.0392% | 170 |
| Net operating income to assets | -0.1711% | 6,498 |
| Return on assets (ROA) | 0.2480% | 5,853 |
| Pretax return on assets | 0.2716% | 5,915 |
| Return on Equity (ROE) | 1.3512% | 6,135 |
| Retained earnings to average equity (ytd only) | 1.3512% | 5,310 |
| Net charge-offs to loans | 1.6701% | 304 |
| Credit loss provision to net charge-offs | 87.1287% | 2,067 |
| Earnings coverage of net charge-offs (x) | 0.7129% | 3,591 |
| Efficiency ratio | 81.6327% | 2,095 |
| Assets per employee ($millions) | 2.9611% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6936% | 6,609 |
| Loan loss allowance to noncurrent loans | 28.4091% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 3.4109% | 1,267 |
| Noncurrent loans to loans | 2.4416% | 2,110 |
| Net loans and leases to total assets | 70.5091% | 1,578 |
| Net loans and leases to deposits | 87.4577% | 1,197 |
| Net loans and leases to core deposits | 100.8696% | 900 |
| Total domestic deposits to total assets | 80.6208% | 5,593 |
| Equity capital to assets | 17.4655% | 376 |
| Core capital (leverage) ratio | 17.0824% | 348 |
| Tier 1 risk-based capital ratio | 22.1397% | 1,307 |
| Total risk-based capital ratio | 22.8697% | 1,378 |
| Memoranda: | ||
| Average total assets | $33,871,000 | 6,621 |
| Average earning assets | $29,431,500 | 6,636 |
| Average equity | $6,216,500 | 5,935 |
| Average total loans | $24,189,500 | 6,164 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 2,213 |
| Cost of funding earning assets | 0.7795% | 2,834 |
| Net interest margin | 4.0170% | 2,326 |
| Noninterest income to average assets | 0.9162% | 1,810 |
| Noninterest expense to average assets | 4.2234% | 750 |
| Loan and lease loss provision to assets | 0.2211% | 2,921 |
| Net operating income to assets | -0.0524% | 6,242 |
| Return on assets (ROA) | -0.0524% | 6,350 |
| Pretax return on assets | -0.0058% | 6,289 |
| Return on Equity (ROE) | -0.2887% | 6,334 |
| Retained earnings to average equity (ytd only) | -0.2887% | 5,903 |
| Net charge-offs to loans | -0.1357% | 6,887 |
| Credit loss provision to net charge-offs | -245.1613% | 6,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5950% | 879 |
| Assets per employee ($millions) | 2.9281% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8078% | 6,474 |
| Loan loss allowance to noncurrent loans | 12.9055% | 6,521 |
| Noncurrent assets plus other real estate owned to assets | 7.6066% | 391 |
| Noncurrent loans to loans | 6.2592% | 555 |
| Net loans and leases to total assets | 71.2937% | 1,604 |
| Net loans and leases to deposits | 92.3581% | 886 |
| Net loans and leases to core deposits | 102.6968% | 848 |
| Total domestic deposits to total assets | 77.1927% | 6,200 |
| Equity capital to assets | 19.3331% | 247 |
| Core capital (leverage) ratio | 17.4076% | 323 |
| Tier 1 risk-based capital ratio | 22.4996% | 1,183 |
| Total risk-based capital ratio | 23.2961% | 1,223 |
| Memoranda: | ||
| Average total assets | $34,380,000 | 6,647 |
| Average earning assets | $30,147,000 | 6,660 |
| Average equity | $6,234,000 | 5,958 |
| Average total loans | $22,843,400 | 6,301 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7712% | 2,502 |
| Cost of funding earning assets | 0.8458% | 2,579 |
| Net interest margin | 3.9254% | 2,820 |
| Noninterest income to average assets | 0.9545% | 1,659 |
| Noninterest expense to average assets | 4.1805% | 739 |
| Loan and lease loss provision to assets | 0.3093% | 2,135 |
| Net operating income to assets | -0.0573% | 6,351 |
| Return on assets (ROA) | -0.0573% | 6,466 |
| Pretax return on assets | -0.0802% | 6,468 |
| Return on Equity (ROE) | -0.3207% | 6,443 |
| Retained earnings to average equity (ytd only) | -0.3207% | 6,144 |
| Net charge-offs to loans | -0.1288% | 6,913 |
| Credit loss provision to net charge-offs | -368.1818% | 6,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8052% | 723 |
| Assets per employee ($millions) | 2.4744% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 6,530 |
| Loan loss allowance to noncurrent loans | 10.5263% | 6,643 |
| Noncurrent assets plus other real estate owned to assets | 5.4652% | 784 |
| Noncurrent loans to loans | 7.9632% | 397 |
| Net loans and leases to total assets | 67.6687% | 2,344 |
| Net loans and leases to deposits | 88.0044% | 1,350 |
| Net loans and leases to core deposits | 94.0340% | 1,586 |
| Total domestic deposits to total assets | 76.8925% | 6,250 |
| Equity capital to assets | 19.3770% | 269 |
| Core capital (leverage) ratio | 15.8707% | 494 |
| Tier 1 risk-based capital ratio | 23.2270% | 1,142 |
| Total risk-based capital ratio | 24.0861% | 1,178 |
| Memoranda: | ||
| Average total assets | $34,922,750 | 6,720 |
| Average earning assets | $30,739,000 | 6,730 |
| Average equity | $6,235,750 | 6,024 |
| Average total loans | $22,766,750 | 6,384 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 1,850 |
| Cost of funding earning assets | 0.8667% | 2,682 |
| Net interest margin | 4.1102% | 2,047 |
| Noninterest income to average assets | 1.0937% | 1,198 |
| Noninterest expense to average assets | 4.2800% | 662 |
| Loan and lease loss provision to assets | 0.3069% | 2,154 |
| Net operating income to assets | 0.0670% | 6,231 |
| Return on assets (ROA) | 0.0670% | 6,367 |
| Pretax return on assets | 0.1060% | 6,313 |
| Return on Equity (ROE) | 0.3848% | 6,407 |
| Retained earnings to average equity (ytd only) | 0.3848% | 5,915 |
| Net charge-offs to loans | -0.1823% | 6,978 |
| Credit loss provision to net charge-offs | -261.9048% | 6,189 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2010% | 981 |
| Assets per employee ($millions) | 3.0071% | 6,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6730% | 6,854 |
| Loan loss allowance to noncurrent loans | 15.9229% | 6,619 |
| Noncurrent assets plus other real estate owned to assets | 3.0413% | 1,808 |
| Noncurrent loans to loans | 4.2263% | 1,283 |
| Net loans and leases to total assets | 70.0556% | 1,911 |
| Net loans and leases to deposits | 90.2938% | 1,120 |
| Net loans and leases to core deposits | 97.2430% | 1,325 |
| Total domestic deposits to total assets | 77.5863% | 6,233 |
| Equity capital to assets | 18.9280% | 285 |
| Core capital (leverage) ratio | 15.1067% | 582 |
| Tier 1 risk-based capital ratio | 22.1218% | 1,270 |
| Total risk-based capital ratio | 22.8175% | 1,351 |
| Memoranda: | ||
| Average total assets | $35,841,330 | 6,741 |
| Average earning assets | $31,385,000 | 6,757 |
| Average equity | $6,236,670 | 6,054 |
| Average total loans | $23,038,670 | 6,416 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 2,091 |
| Cost of funding earning assets | 0.8687% | 2,929 |
| Net interest margin | 4.0703% | 2,214 |
| Noninterest income to average assets | 0.9242% | 1,653 |
| Noninterest expense to average assets | 4.6745% | 469 |
| Loan and lease loss provision to assets | 0.1612% | 3,370 |
| Net operating income to assets | -0.2579% | 6,684 |
| Return on assets (ROA) | -0.2579% | 6,726 |
| Pretax return on assets | -0.3869% | 6,777 |
| Return on Equity (ROE) | -1.5423% | 6,655 |
| Retained earnings to average equity (ytd only) | -1.5423% | 6,218 |
| Net charge-offs to loans | -0.3844% | 7,110 |
| Credit loss provision to net charge-offs | -68.1818% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0725% | 431 |
| Assets per employee ($millions) | 3.3172% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5078% | 7,062 |
| Loan loss allowance to noncurrent loans | 83.6879% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 2.8913% | 2,011 |
| Noncurrent loans to loans | 0.6068% | 5,447 |
| Net loans and leases to total assets | 63.3561% | 2,977 |
| Net loans and leases to deposits | 79.4542% | 2,281 |
| Net loans and leases to core deposits | 83.2991% | 2,639 |
| Total domestic deposits to total assets | 79.7391% | 5,914 |
| Equity capital to assets | 17.0243% | 425 |
| Core capital (leverage) ratio | 14.1663% | 759 |
| Tier 1 risk-based capital ratio | 22.2302% | 1,250 |
| Total risk-based capital ratio | 22.7278% | 1,357 |
| Memoranda: | ||
| Average total assets | $37,223,000 | 6,759 |
| Average earning assets | $32,233,500 | 6,789 |
| Average equity | $6,224,500 | 6,092 |
| Average total loans | $22,893,000 | 6,466 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 2,801 |
| Cost of funding earning assets | 1.1196% | 2,535 |
| Net interest margin | 3.8981% | 3,345 |
| Noninterest income to average assets | 1.6029% | 525 |
| Noninterest expense to average assets | 4.2348% | 774 |
| Loan and lease loss provision to assets | 0.1420% | 4,839 |
| Net operating income to assets | 0.3449% | 5,091 |
| Return on assets (ROA) | 0.3449% | 5,244 |
| Pretax return on assets | 0.5362% | 4,886 |
| Return on Equity (ROE) | 1.9672% | 5,670 |
| Retained earnings to average equity (ytd only) | 1.9672% | 4,808 |
| Net charge-offs to loans | 1.5278% | 1,046 |
| Credit loss provision to net charge-offs | 15.3125% | 5,965 |
| Earnings coverage of net charge-offs (x) | 0.7313% | 5,260 |
| Efficiency ratio | 86.1947% | 1,536 |
| Assets per employee ($millions) | 3.4506% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3592% | 7,188 |
| Loan loss allowance to noncurrent loans | 15.2256% | 6,742 |
| Noncurrent assets plus other real estate owned to assets | 3.4302% | 1,725 |
| Noncurrent loans to loans | 2.3592% | 2,780 |
| Net loans and leases to total assets | 59.1959% | 4,153 |
| Net loans and leases to deposits | 73.4930% | 3,579 |
| Net loans and leases to core deposits | 88.1760% | 2,355 |
| Total domestic deposits to total assets | 80.5464% | 5,581 |
| Equity capital to assets | 16.4318% | 524 |
| Core capital (leverage) ratio | 16.5757% | 407 |
| Tier 1 risk-based capital ratio | 22.3335% | 1,191 |
| Total risk-based capital ratio | 22.6758% | 1,309 |
| Memoranda: | ||
| Average total assets | $34,499,800 | 6,843 |
| Average earning assets | $29,296,400 | 6,890 |
| Average equity | $6,049,200 | 6,145 |
| Average total loans | $20,945,200 | 6,611 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2302% | 2,094 |
| Cost of funding earning assets | 1.1983% | 2,326 |
| Net interest margin | 4.0319% | 2,768 |
| Noninterest income to average assets | 1.4746% | 603 |
| Noninterest expense to average assets | 4.2414% | 760 |
| Loan and lease loss provision to assets | 0.2141% | 3,883 |
| Net operating income to assets | 0.2695% | 5,507 |
| Return on assets (ROA) | 0.2695% | 5,668 |
| Pretax return on assets | 0.4202% | 5,406 |
| Return on Equity (ROE) | 1.5104% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.5104% | 5,378 |
| Net charge-offs to loans | 1.2850% | 1,205 |
| Credit loss provision to net charge-offs | 27.2727% | 5,454 |
| Earnings coverage of net charge-offs (x) | 0.8081% | 5,010 |
| Efficiency ratio | 86.9919% | 1,438 |
| Assets per employee ($millions) | 2.7895% | 6,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9376% | 907 |
| Loan loss allowance to noncurrent loans | 264.5161% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 4.3019% | 1,409 |
| Noncurrent loans to loans | 1.1105% | 4,702 |
| Net loans and leases to total assets | 61.8107% | 3,774 |
| Net loans and leases to deposits | 81.1762% | 2,501 |
| Net loans and leases to core deposits | 86.0995% | 2,758 |
| Total domestic deposits to total assets | 76.1439% | 6,515 |
| Equity capital to assets | 19.7888% | 254 |
| Core capital (leverage) ratio | 15.7820% | 532 |
| Tier 1 risk-based capital ratio | 21.6747% | 1,341 |
| Total risk-based capital ratio | 22.9577% | 1,305 |
| Memoranda: | ||
| Average total assets | $33,635,500 | 6,936 |
| Average earning assets | $28,373,000 | 6,984 |
| Average equity | $6,002,250 | 6,204 |
| Average total loans | $20,544,000 | 6,693 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1005% | 2,680 |
| Cost of funding earning assets | 1.1933% | 2,622 |
| Net interest margin | 3.9072% | 3,274 |
| Noninterest income to average assets | 1.5483% | 532 |
| Noninterest expense to average assets | 4.2346% | 800 |
| Loan and lease loss provision to assets | 0.0116% | 6,130 |
| Net operating income to assets | 0.3986% | 4,956 |
| Return on assets (ROA) | 0.3986% | 5,107 |
| Pretax return on assets | 0.6124% | 4,705 |
| Return on Equity (ROE) | 2.3081% | 5,675 |
| Retained earnings to average equity (ytd only) | 2.3081% | 4,819 |
| Net charge-offs to loans | 1.4369% | 1,046 |
| Credit loss provision to net charge-offs | 1.3333% | 5,327 |
| Earnings coverage of net charge-offs (x) | 0.7200% | 4,754 |
| Efficiency ratio | 87.1581% | 1,496 |
| Assets per employee ($millions) | 3.1890% | 5,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9322% | 950 |
| Loan loss allowance to noncurrent loans | 94.5774% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 4.2709% | 1,487 |
| Noncurrent loans to loans | 3.1003% | 2,325 |
| Net loans and leases to total assets | 61.5585% | 3,977 |
| Net loans and leases to deposits | 80.7760% | 2,649 |
| Net loans and leases to core deposits | 85.4599% | 3,003 |
| Total domestic deposits to total assets | 76.2088% | 6,567 |
| Equity capital to assets | 18.9401% | 320 |
| Core capital (leverage) ratio | 14.9302% | 677 |
| Tier 1 risk-based capital ratio | 21.3556% | 1,354 |
| Total risk-based capital ratio | 22.2775% | 1,392 |
| Memoranda: | ||
| Average total assets | $34,619,330 | 6,972 |
| Average earning assets | $29,330,330 | 7,019 |
| Average equity | $5,979,000 | 6,236 |
| Average total loans | $20,878,670 | 6,749 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7124% | 4,468 |
| Cost of funding earning assets | 1.1912% | 2,880 |
| Net interest margin | 3.5212% | 4,912 |
| Noninterest income to average assets | 1.6229% | 507 |
| Noninterest expense to average assets | 4.0574% | 968 |
| Loan and lease loss provision to assets | 0.0222% | 5,679 |
| Net operating income to assets | 0.3446% | 5,199 |
| Return on assets (ROA) | 0.3446% | 5,279 |
| Pretax return on assets | 0.5336% | 4,918 |
| Return on Equity (ROE) | 2.0846% | 5,756 |
| Retained earnings to average equity (ytd only) | 2.0846% | 4,889 |
| Net charge-offs to loans | 2.3767% | 497 |
| Credit loss provision to net charge-offs | 1.5873% | 4,463 |
| Earnings coverage of net charge-offs (x) | 0.3968% | 4,325 |
| Efficiency ratio | 87.9518% | 1,520 |
| Assets per employee ($millions) | 2.8083% | 6,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9877% | 927 |
| Loan loss allowance to noncurrent loans | 51.7799% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 4.0802% | 1,639 |
| Noncurrent loans to loans | 5.7700% | 1,118 |
| Net loans and leases to total assets | 61.6665% | 3,933 |
| Net loans and leases to deposits | 80.2200% | 2,679 |
| Net loans and leases to core deposits | 84.5547% | 3,089 |
| Total domestic deposits to total assets | 76.8717% | 6,555 |
| Equity capital to assets | 17.6830% | 386 |
| Core capital (leverage) ratio | 13.6660% | 920 |
| Tier 1 risk-based capital ratio | 19.9597% | 1,598 |
| Total risk-based capital ratio | 21.2621% | 1,552 |
| Memoranda: | ||
| Average total assets | $35,984,000 | 6,965 |
| Average earning assets | $30,558,000 | 7,030 |
| Average equity | $5,948,500 | 6,265 |
| Average total loans | $21,206,000 | 6,785 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0972% | 7,651 |
| Cost of funding earning assets | 0.0251% | 7,623 |
| Net interest margin | 0.0721% | 7,643 |
| Noninterest income to average assets | 0.0718% | 7,023 |
| Noninterest expense to average assets | 0.1091% | 7,646 |
| Loan and lease loss provision to assets | 0.5987% | 2,741 |
| Net operating income to assets | -0.3379% | 6,253 |
| Return on assets (ROA) | -0.3379% | 6,281 |
| Pretax return on assets | -0.5748% | 6,380 |
| Return on Equity (ROE) | -2.6596% | 6,243 |
| Retained earnings to average equity (ytd only) | -3.7067% | 6,181 |
| Net charge-offs to loans | 4.0218% | 311 |
| Credit loss provision to net charge-offs | 23.6842% | 6,532 |
| Earnings coverage of net charge-offs (x) | 0.0095% | 6,117 |
| Efficiency ratio | 82.0000% | 2,166 |
| Assets per employee ($millions) | 3.1891% | 5,699 |
| Cash dividends to net income (ytd only)* | -39.3701% | 7,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6721% | 3,325 |
| Loan loss allowance to noncurrent loans | 27.2304% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 6.1355% | 956 |
| Noncurrent loans to loans | 6.1407% | 1,006 |
| Net loans and leases to total assets | 53.9340% | 5,640 |
| Net loans and leases to deposits | 67.4819% | 5,168 |
| Net loans and leases to core deposits | 71.5127% | 5,268 |
| Total domestic deposits to total assets | 79.9237% | 5,858 |
| Equity capital to assets | 15.5165% | 676 |
| Core capital (leverage) ratio | 13.6907% | 932 |
| Tier 1 risk-based capital ratio | 18.4130% | 1,872 |
| Total risk-based capital ratio | 19.7026% | 1,822 |
| Memoranda: | ||
| Average total assets | $37,580,400 | 6,954 |
| Average earning assets | $31,879,200 | 7,022 |
| Average equity | $4,775,200 | 6,738 |
| Average total loans | $23,621,200 | 6,747 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4929% | 2,451 |
| Cost of funding earning assets | 1.7698% | 1,551 |
| Net interest margin | 3.7232% | 4,294 |
| Noninterest income to average assets | 2.0530% | 362 |
| Noninterest expense to average assets | 4.2842% | 755 |
| Loan and lease loss provision to assets | 0.9445% | 1,588 |
| Net operating income to assets | -0.0027% | 6,007 |
| Return on assets (ROA) | 0.0178% | 6,082 |
| Pretax return on assets | 0.0357% | 6,034 |
| Return on Equity (ROE) | 0.1487% | 6,084 |
| Retained earnings to average equity (ytd only) | -1.3379% | 6,065 |
| Net charge-offs to loans | 1.1917% | 1,710 |
| Credit loss provision to net charge-offs | 122.1198% | 3,365 |
| Earnings coverage of net charge-offs (x) | 1.2258% | 4,836 |
| Efficiency ratio | 81.8801% | 2,073 |
| Assets per employee ($millions) | 2.9238% | 6,320 |
| Cash dividends to net income (ytd only)* | 999.5502% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0579% | 782 |
| Loan loss allowance to noncurrent loans | 72.3316% | 3,690 |
| Noncurrent assets plus other real estate owned to assets | 8.3053% | 589 |
| Noncurrent loans to loans | 4.2276% | 1,726 |
| Net loans and leases to total assets | 63.0679% | 4,309 |
| Net loans and leases to deposits | 76.9215% | 4,020 |
| Net loans and leases to core deposits | 82.7246% | 4,125 |
| Total domestic deposits to total assets | 81.9900% | 4,996 |
| Equity capital to assets | 12.8142% | 1,674 |
| Core capital (leverage) ratio | 11.5631% | 1,902 |
| Tier 1 risk-based capital ratio | 16.6935% | 2,465 |
| Total risk-based capital ratio | 17.9615% | 2,420 |
| Memoranda: | ||
| Average total assets | $37,408,250 | 7,038 |
| Average earning assets | $31,943,250 | 7,102 |
| Average equity | $4,484,500 | 6,911 |
| Average total loans | $24,278,750 | 6,800 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4659% | 2,678 |
| Cost of funding earning assets | 1.8199% | 1,568 |
| Net interest margin | 3.6460% | 4,597 |
| Noninterest income to average assets | 2.6662% | 249 |
| Noninterest expense to average assets | 4.1276% | 882 |
| Loan and lease loss provision to assets | 1.3828% | 974 |
| Net operating income to assets | 0.1310% | 5,783 |
| Return on assets (ROA) | 0.1310% | 5,889 |
| Pretax return on assets | 0.2619% | 5,620 |
| Return on Equity (ROE) | 1.1159% | 5,914 |
| Retained earnings to average equity (ytd only) | 1.1159% | 5,317 |
| Net charge-offs to loans | 1.7445% | 1,074 |
| Credit loss provision to net charge-offs | 122.2222% | 3,308 |
| Earnings coverage of net charge-offs (x) | 1.4537% | 4,398 |
| Efficiency ratio | 71.5064% | 3,904 |
| Assets per employee ($millions) | 3.0975% | 5,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9652% | 849 |
| Loan loss allowance to noncurrent loans | 100.5764% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 8.3051% | 574 |
| Noncurrent loans to loans | 2.9482% | 2,714 |
| Net loans and leases to total assets | 61.4528% | 4,792 |
| Net loans and leases to deposits | 77.1038% | 4,144 |
| Net loans and leases to core deposits | 82.7219% | 4,317 |
| Total domestic deposits to total assets | 79.7014% | 5,819 |
| Equity capital to assets | 12.2733% | 1,938 |
| Core capital (leverage) ratio | 11.5126% | 1,912 |
| Tier 1 risk-based capital ratio | 15.7191% | 2,798 |
| Total risk-based capital ratio | 16.9830% | 2,758 |
| Memoranda: | ||
| Average total assets | $38,182,330 | 7,066 |
| Average earning assets | $32,528,670 | 7,133 |
| Average equity | $4,480,670 | 6,946 |
| Average total loans | $24,763,000 | 6,822 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 3,608 |
| Cost of funding earning assets | 1.8777% | 1,543 |
| Net interest margin | 3.4085% | 5,548 |
| Noninterest income to average assets | 0.8271% | 1,898 |
| Noninterest expense to average assets | 4.0219% | 997 |
| Loan and lease loss provision to assets | 2.7295% | 375 |
| Net operating income to assets | -1.9644% | 7,457 |
| Return on assets (ROA) | -1.9644% | 7,458 |
| Pretax return on assets | -2.9776% | 7,596 |
| Return on Equity (ROE) | -17.1171% | 7,373 |
| Retained earnings to average equity (ytd only) | -17.1171% | 7,283 |
| Net charge-offs to loans | 3.4365% | 416 |
| Credit loss provision to net charge-offs | 121.1009% | 2,886 |
| Earnings coverage of net charge-offs (x) | -0.1101% | 5,108 |
| Efficiency ratio | 106.5753% | 666 |
| Assets per employee ($millions) | 3.1808% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8228% | 959 |
| Loan loss allowance to noncurrent loans | 51.8629% | 4,862 |
| Noncurrent assets plus other real estate owned to assets | 9.0440% | 492 |
| Noncurrent loans to loans | 5.4429% | 1,296 |
| Net loans and leases to total assets | 62.7735% | 4,595 |
| Net loans and leases to deposits | 76.9231% | 4,234 |
| Net loans and leases to core deposits | 82.2181% | 4,456 |
| Total domestic deposits to total assets | 81.6055% | 5,232 |
| Equity capital to assets | 11.3574% | 2,459 |
| Core capital (leverage) ratio | 11.2122% | 2,084 |
| Tier 1 risk-based capital ratio | 17.1348% | 2,227 |
| Total risk-based capital ratio | 18.3828% | 2,179 |
| Memoranda: | ||
| Average total assets | $38,688,500 | 7,131 |
| Average earning assets | $33,445,500 | 7,186 |
| Average equity | $4,440,000 | 7,022 |
| Average total loans | $25,374,500 | 6,856 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8511% | 2,437 |
| Cost of funding earning assets | 2.5790% | 832 |
| Net interest margin | 3.2721% | 5,850 |
| Noninterest income to average assets | -0.4372% | 7,930 |
| Noninterest expense to average assets | 4.0339% | 1,317 |
| Loan and lease loss provision to assets | 1.9652% | 1,116 |
| Net operating income to assets | -2.3587% | 7,216 |
| Return on assets (ROA) | -2.3587% | 7,221 |
| Pretax return on assets | -3.5898% | 7,441 |
| Return on Equity (ROE) | -19.5581% | 7,132 |
| Retained earnings to average equity (ytd only) | -19.5581% | 7,094 |
| Net charge-offs to loans | 1.9826% | 1,241 |
| Credit loss provision to net charge-offs | 148.2639% | 3,158 |
| Earnings coverage of net charge-offs (x) | -1.2257% | 6,917 |
| Efficiency ratio | 167.4308% | 229 |
| Assets per employee ($millions) | 3.0160% | 6,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4911% | 1,242 |
| Loan loss allowance to noncurrent loans | 83.6551% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 8.7355% | 466 |
| Noncurrent loans to loans | 2.9778% | 2,583 |
| Net loans and leases to total assets | 64.8924% | 4,388 |
| Net loans and leases to deposits | 80.7740% | 3,844 |
| Net loans and leases to core deposits | 106.8854% | 3,225 |
| Total domestic deposits to total assets | 80.3382% | 5,569 |
| Equity capital to assets | 11.5920% | 2,249 |
| Core capital (leverage) ratio | 10.9972% | 2,226 |
| Tier 1 risk-based capital ratio | 17.0370% | 2,140 |
| Total risk-based capital ratio | 18.1839% | 2,138 |
| Memoranda: | ||
| Average total assets | $43,456,600 | 6,968 |
| Average earning assets | $37,805,000 | 7,023 |
| Average equity | $5,240,800 | 6,857 |
| Average total loans | $29,052,400 | 6,685 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 2,475 |
| Cost of funding earning assets | 2.6873% | 814 |
| Net interest margin | 3.2069% | 5,994 |
| Noninterest income to average assets | 0.6619% | 3,280 |
| Noninterest expense to average assets | 3.8604% | 1,490 |
| Loan and lease loss provision to assets | 0.9973% | 1,923 |
| Net operating income to assets | -0.8595% | 6,734 |
| Return on assets (ROA) | -0.8595% | 6,731 |
| Pretax return on assets | -1.4046% | 6,916 |
| Return on Equity (ROE) | -7.0670% | 6,667 |
| Retained earnings to average equity (ytd only) | -7.0670% | 6,513 |
| Net charge-offs to loans | 0.2372% | 4,567 |
| Credit loss provision to net charge-offs | 628.3019% | 600 |
| Earnings coverage of net charge-offs (x) | -2.5662% | 6,779 |
| Efficiency ratio | 111.7953% | 735 |
| Assets per employee ($millions) | 3.2809% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2677% | 1,331 |
| Loan loss allowance to noncurrent loans | 60.7843% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 9.6010% | 373 |
| Noncurrent loans to loans | 3.7308% | 1,997 |
| Net loans and leases to total assets | 65.7789% | 4,473 |
| Net loans and leases to deposits | 83.9171% | 3,660 |
| Net loans and leases to core deposits | 112.4264% | 2,979 |
| Total domestic deposits to total assets | 78.3855% | 5,983 |
| Equity capital to assets | 12.3746% | 2,016 |
| Core capital (leverage) ratio | 12.1441% | 1,734 |
| Tier 1 risk-based capital ratio | 17.9731% | 1,997 |
| Total risk-based capital ratio | 18.6755% | 2,096 |
| Memoranda: | ||
| Average total assets | $44,518,750 | 6,982 |
| Average earning assets | $38,749,000 | 7,042 |
| Average equity | $5,414,750 | 6,870 |
| Average total loans | $29,792,250 | 6,691 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9800% | 2,266 |
| Cost of funding earning assets | 2.8090% | 770 |
| Net interest margin | 3.1710% | 6,013 |
| Noninterest income to average assets | 0.7665% | 2,610 |
| Noninterest expense to average assets | 3.6242% | 2,014 |
| Loan and lease loss provision to assets | 0.5228% | 2,931 |
| Net operating income to assets | -0.4342% | 6,483 |
| Return on assets (ROA) | -0.4342% | 6,490 |
| Pretax return on assets | -0.6247% | 6,549 |
| Return on Equity (ROE) | -3.5895% | 6,434 |
| Retained earnings to average equity (ytd only) | -3.5895% | 6,065 |
| Net charge-offs to loans | 0.2587% | 3,896 |
| Credit loss provision to net charge-offs | 302.5641% | 1,535 |
| Earnings coverage of net charge-offs (x) | -0.5897% | 6,118 |
| Efficiency ratio | 102.8931% | 1,062 |
| Assets per employee ($millions) | 2.7486% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,070 |
| Loan loss allowance to noncurrent loans | 53.5077% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 8.5952% | 409 |
| Noncurrent loans to loans | 2.8482% | 2,531 |
| Net loans and leases to total assets | 66.1171% | 4,542 |
| Net loans and leases to deposits | 82.7109% | 4,099 |
| Net loans and leases to core deposits | 113.7020% | 2,944 |
| Total domestic deposits to total assets | 79.9377% | 5,494 |
| Equity capital to assets | 12.4198% | 1,963 |
| Core capital (leverage) ratio | 12.2412% | 1,723 |
| Tier 1 risk-based capital ratio | 17.0126% | 2,298 |
| Total risk-based capital ratio | 18.2900% | 2,240 |
| Memoranda: | ||
| Average total assets | $45,141,000 | 7,013 |
| Average earning assets | $39,231,000 | 7,084 |
| Average equity | $5,460,330 | 6,914 |
| Average total loans | $30,154,000 | 6,724 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0238% | 2,263 |
| Cost of funding earning assets | 2.9463% | 688 |
| Net interest margin | 3.0775% | 6,263 |
| Noninterest income to average assets | 0.5599% | 3,841 |
| Noninterest expense to average assets | 3.6218% | 1,813 |
| Loan and lease loss provision to assets | 1.0323% | 1,271 |
| Net operating income to assets | -0.9711% | 7,239 |
| Return on assets (ROA) | -0.9711% | 7,259 |
| Pretax return on assets | -1.4260% | 7,339 |
| Return on Equity (ROE) | -8.1326% | 7,245 |
| Retained earnings to average equity (ytd only) | -8.1326% | 6,928 |
| Net charge-offs to loans | 0.4070% | 2,476 |
| Credit loss provision to net charge-offs | 380.6452% | 1,351 |
| Earnings coverage of net charge-offs (x) | -1.4516% | 5,422 |
| Efficiency ratio | 112.1951% | 767 |
| Assets per employee ($millions) | 2.6364% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5230% | 2,850 |
| Loan loss allowance to noncurrent loans | 90.1768% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 7.8337% | 394 |
| Noncurrent loans to loans | 1.6889% | 3,720 |
| Net loans and leases to total assets | 66.2197% | 4,532 |
| Net loans and leases to deposits | 83.0066% | 4,130 |
| Net loans and leases to core deposits | 118.1865% | 2,579 |
| Total domestic deposits to total assets | 79.7764% | 5,444 |
| Equity capital to assets | 12.0440% | 2,230 |
| Core capital (leverage) ratio | 12.0299% | 1,888 |
| Tier 1 risk-based capital ratio | 17.0439% | 2,325 |
| Total risk-based capital ratio | 18.3264% | 2,253 |
| Memoranda: | ||
| Average total assets | $45,722,500 | 7,039 |
| Average earning assets | $39,642,500 | 7,108 |
| Average equity | $5,459,500 | 6,959 |
| Average total loans | $30,467,500 | 6,737 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7206% | 1,954 |
| Cost of funding earning assets | 3.3657% | 770 |
| Net interest margin | 3.3549% | 5,848 |
| Noninterest income to average assets | 0.5739% | 4,057 |
| Noninterest expense to average assets | 3.4072% | 2,654 |
| Loan and lease loss provision to assets | 1.9486% | 632 |
| Net operating income to assets | -1.1928% | 7,342 |
| Return on assets (ROA) | -1.1802% | 7,271 |
| Pretax return on assets | -1.7961% | 7,376 |
| Return on Equity (ROE) | -11.3043% | 7,373 |
| Retained earnings to average equity (ytd only) | -11.3043% | 7,187 |
| Net charge-offs to loans | 3.4931% | 226 |
| Credit loss provision to net charge-offs | 85.5230% | 5,775 |
| Earnings coverage of net charge-offs (x) | 0.0586% | 6,215 |
| Efficiency ratio | 96.2305% | 1,140 |
| Assets per employee ($millions) | 2.7427% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 4,471 |
| Loan loss allowance to noncurrent loans | 73.8095% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 7.4980% | 323 |
| Noncurrent loans to loans | 1.6365% | 3,317 |
| Net loans and leases to total assets | 65.2533% | 5,000 |
| Net loans and leases to deposits | 82.4369% | 4,656 |
| Net loans and leases to core deposits | 116.6066% | 3,057 |
| Total domestic deposits to total assets | 79.1554% | 5,316 |
| Equity capital to assets | 11.8410% | 2,392 |
| Core capital (leverage) ratio | 11.7143% | 2,119 |
| Tier 1 risk-based capital ratio | 16.4570% | 2,503 |
| Total risk-based capital ratio | 17.5634% | 2,490 |
| Memoranda: | ||
| Average total assets | $52,447,000 | 6,681 |
| Average earning assets | $46,380,000 | 6,750 |
| Average equity | $5,475,800 | 6,985 |
| Average total loans | $34,210,600 | 6,477 |