Home > Idaho First Bank > Performance and Condition Ratios
Idaho First Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9673% | 664 |
| Cost of funding earning assets | 1.9746% | 953 |
| Net interest margin | 3.9927% | 1,218 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.4919% | 2,319 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 1.0187% | 2,155 |
| Return on assets (ROA) | 1.0187% | 2,141 |
| Pretax return on assets | 1.3756% | 1,688 |
| Return on Equity (ROE) | 11.1400% | 2,188 |
| Retained earnings to average equity (ytd only) | 11.1431% | 763 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.0190% | 2,829 |
| Assets per employee ($millions) | 7.8712% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 2,008 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 82.9900% | 345 |
| Net loans and leases to deposits | 95.5584% | 821 |
| Net loans and leases to core deposits | 120.2849% | 617 |
| Total domestic deposits to total assets | 86.8500% | 1,735 |
| Equity capital to assets | 10.6321% | 1,661 |
| Core capital (leverage) ratio | 11.0173% | 1,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5703% | 2,035 |
| Memoranda: | ||
| Average total assets | $604,768,800 | 1,466 |
| Average earning assets | $577,598,800 | 1,427 |
| Average equity | $55,289,800 | 1,483 |
| Average total loans | $503,124,000 | 1,228 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8822% | 621 |
| Cost of funding earning assets | 1.8590% | 920 |
| Net interest margin | 4.0232% | 1,184 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.5165% | 2,179 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.9968% | 2,371 |
| Return on assets (ROA) | 0.9968% | 2,361 |
| Pretax return on assets | 1.3452% | 1,911 |
| Return on Equity (ROE) | 11.3900% | 2,284 |
| Retained earnings to average equity (ytd only) | 11.3920% | 1,090 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.2047% | 2,690 |
| Assets per employee ($millions) | 7.5368% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2484% | 2,114 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 83.6600% | 308 |
| Net loans and leases to deposits | 94.6272% | 854 |
| Net loans and leases to core deposits | 117.3663% | 629 |
| Total domestic deposits to total assets | 88.4100% | 1,442 |
| Equity capital to assets | 8.8478% | 2,505 |
| Core capital (leverage) ratio | 9.1516% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7556% | 2,678 |
| Memoranda: | ||
| Average total assets | $598,537,500 | 1,479 |
| Average earning assets | $571,632,750 | 1,437 |
| Average equity | $52,374,750 | 1,538 |
| Average total loans | $496,604,750 | 1,236 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7037% | 632 |
| Cost of funding earning assets | 1.7111% | 868 |
| Net interest margin | 3.9926% | 1,256 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 2.5512% | 2,065 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 0.9175% | 2,699 |
| Return on assets (ROA) | 0.9175% | 2,683 |
| Pretax return on assets | 1.2374% | 2,262 |
| Return on Equity (ROE) | 10.5300% | 2,548 |
| Retained earnings to average equity (ytd only) | 10.5259% | 1,272 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.5156% | 2,540 |
| Assets per employee ($millions) | 8.0926% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 2,128 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 80.3100% | 605 |
| Net loans and leases to deposits | 91.3292% | 1,074 |
| Net loans and leases to core deposits | 113.4521% | 698 |
| Total domestic deposits to total assets | 87.9400% | 1,623 |
| Equity capital to assets | 8.5030% | 2,862 |
| Core capital (leverage) ratio | 9.1820% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6124% | 2,733 |
| Memoranda: | ||
| Average total assets | $592,043,667 | 1,499 |
| Average earning assets | $564,792,333 | 1,451 |
| Average equity | $51,606,000 | 1,559 |
| Average total loans | $487,625,000 | 1,238 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5684% | 560 |
| Cost of funding earning assets | 1.4174% | 995 |
| Net interest margin | 4.1510% | 1,022 |
| Noninterest income to average assets | 0.2000% | 3,776 |
| Noninterest expense to average assets | 2.7219% | 1,614 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.9589% | 2,657 |
| Return on assets (ROA) | 0.9589% | 2,620 |
| Pretax return on assets | 1.2933% | 2,195 |
| Return on Equity (ROE) | 10.8600% | 2,531 |
| Retained earnings to average equity (ytd only) | 10.8570% | 1,502 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.5253% | 2,264 |
| Assets per employee ($millions) | 7.3385% | 1,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2406% | 2,331 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 81.1700% | 441 |
| Net loans and leases to deposits | 92.7431% | 871 |
| Net loans and leases to core deposits | 106.6781% | 807 |
| Total domestic deposits to total assets | 87.5200% | 2,081 |
| Equity capital to assets | 8.9201% | 2,578 |
| Core capital (leverage) ratio | 9.3713% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6658% | 2,819 |
| Memoranda: | ||
| Average total assets | $576,499,000 | 1,563 |
| Average earning assets | $548,592,000 | 1,524 |
| Average equity | $50,916,500 | 1,588 |
| Average total loans | $478,019,000 | 1,269 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 1,043 |
| Cost of funding earning assets | 0.3363% | 2,582 |
| Net interest margin | 3.9667% | 832 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.6292% | 1,737 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.8975% | 2,970 |
| Return on assets (ROA) | 0.8975% | 2,904 |
| Pretax return on assets | 1.2115% | 2,400 |
| Return on Equity (ROE) | 10.3800% | 2,684 |
| Retained earnings to average equity (ytd only) | 10.3808% | 1,047 |
| Net charge-offs to loans | -0.0053% | 3,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.0855% | 2,351 |
| Assets per employee ($millions) | 7.0773% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1909% | 2,435 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 82.6600% | 355 |
| Net loans and leases to deposits | 95.2362% | 696 |
| Net loans and leases to core deposits | 105.2071% | 782 |
| Total domestic deposits to total assets | 86.8000% | 2,460 |
| Equity capital to assets | 8.7430% | 2,536 |
| Core capital (leverage) ratio | 9.4146% | 3,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2900% | 2,920 |
| Memoranda: | ||
| Average total assets | $553,177,200 | 1,601 |
| Average earning assets | $528,948,800 | 1,554 |
| Average equity | $47,828,800 | 1,677 |
| Average total loans | $436,397,800 | 1,303 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 1,377 |
| Cost of funding earning assets | 0.1979% | 3,305 |
| Net interest margin | 3.7456% | 1,043 |
| Noninterest income to average assets | 0.2500% | 3,673 |
| Noninterest expense to average assets | 2.5717% | 1,786 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.7820% | 3,321 |
| Return on assets (ROA) | 0.7820% | 3,272 |
| Pretax return on assets | 1.0595% | 2,845 |
| Return on Equity (ROE) | 9.0700% | 3,011 |
| Retained earnings to average equity (ytd only) | 9.0709% | 1,626 |
| Net charge-offs to loans | -0.0006% | 3,144 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.0068% | 2,154 |
| Assets per employee ($millions) | 6.7827% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 2,603 |
| Loan loss allowance to noncurrent loans | 126.5116% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 633 |
| Noncurrent loans to loans | 0.9378% | 831 |
| Net loans and leases to total assets | 83.5000% | 284 |
| Net loans and leases to deposits | 94.3959% | 619 |
| Net loans and leases to core deposits | 98.8941% | 863 |
| Total domestic deposits to total assets | 88.4600% | 2,287 |
| Equity capital to assets | 8.8929% | 2,288 |
| Core capital (leverage) ratio | 9.2064% | 3,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2257% | 3,003 |
| Memoranda: | ||
| Average total assets | $548,156,500 | 1,622 |
| Average earning assets | $524,937,250 | 1,578 |
| Average equity | $47,256,000 | 1,710 |
| Average total loans | $425,604,500 | 1,317 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 1,893 |
| Cost of funding earning assets | 0.1751% | 3,246 |
| Net interest margin | 3.4084% | 1,578 |
| Noninterest income to average assets | 0.2527% | 3,656 |
| Noninterest expense to average assets | 2.4669% | 2,034 |
| Loan and lease loss provision to assets | 0.1818% | 484 |
| Net operating income to assets | 0.6385% | 3,513 |
| Return on assets (ROA) | 0.6385% | 3,464 |
| Pretax return on assets | 0.8665% | 3,156 |
| Return on Equity (ROE) | 7.4845% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.4845% | 1,820 |
| Net charge-offs to loans | -0.0005% | 2,984 |
| Credit loss provision to net charge-offs | -50,000.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1769% | 1,934 |
| Assets per employee ($millions) | 6.6225% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1742% | 2,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 78.8736% | 492 |
| Net loans and leases to deposits | 89.8431% | 733 |
| Net loans and leases to core deposits | 91.2581% | 1,051 |
| Total domestic deposits to total assets | 87.7904% | 2,661 |
| Equity capital to assets | 8.6635% | 2,643 |
| Core capital (leverage) ratio | 9.1458% | 3,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4030% | 2,942 |
| Memoranda: | ||
| Average total assets | $550,004,667 | 1,629 |
| Average earning assets | $526,459,000 | 1,594 |
| Average equity | $46,923,333 | 1,763 |
| Average total loans | $414,628,333 | 1,340 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3050% | 2,374 |
| Cost of funding earning assets | 0.1766% | 3,129 |
| Net interest margin | 3.1283% | 2,087 |
| Noninterest income to average assets | 0.2616% | 3,565 |
| Noninterest expense to average assets | 2.3762% | 2,246 |
| Loan and lease loss provision to assets | 0.1084% | 767 |
| Net operating income to assets | 0.5673% | 3,500 |
| Return on assets (ROA) | 0.5673% | 3,477 |
| Pretax return on assets | 0.7718% | 3,194 |
| Return on Equity (ROE) | 6.7006% | 3,128 |
| Retained earnings to average equity (ytd only) | 6.7006% | 1,996 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9694% | 1,859 |
| Assets per employee ($millions) | 6.9034% | 2,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 3,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 73.6487% | 686 |
| Net loans and leases to deposits | 85.1007% | 798 |
| Net loans and leases to core deposits | 86.2473% | 1,115 |
| Total domestic deposits to total assets | 86.5429% | 3,090 |
| Equity capital to assets | 8.4665% | 3,190 |
| Core capital (leverage) ratio | 9.0181% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0091% | 2,890 |
| Memoranda: | ||
| Average total assets | $553,484,000 | 1,621 |
| Average earning assets | $529,869,500 | 1,591 |
| Average equity | $46,861,500 | 1,823 |
| Average total loans | $405,238,000 | 1,355 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3803% | 2,982 |
| Cost of funding earning assets | 0.2576% | 2,836 |
| Net interest margin | 3.1226% | 2,834 |
| Noninterest income to average assets | 0.3363% | 3,404 |
| Noninterest expense to average assets | 2.0219% | 3,612 |
| Loan and lease loss provision to assets | 0.2147% | 482 |
| Net operating income to assets | 0.8309% | 3,233 |
| Return on assets (ROA) | 0.8309% | 3,310 |
| Pretax return on assets | 1.1264% | 2,890 |
| Return on Equity (ROE) | 14.0544% | 1,171 |
| Retained earnings to average equity (ytd only) | 14.0544% | 299 |
| Net charge-offs to loans | 0.0139% | 2,045 |
| Credit loss provision to net charge-offs | 1,851.8519% | 328 |
| Earnings coverage of net charge-offs (x) | 115.6914% | 807 |
| Efficiency ratio | 60.1234% | 3,128 |
| Assets per employee ($millions) | 6.9338% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,126 |
| Loan loss allowance to noncurrent loans | 693.0514% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1193% | 3,092 |
| Noncurrent loans to loans | 0.1659% | 3,115 |
| Net loans and leases to total assets | 71.1037% | 914 |
| Net loans and leases to deposits | 83.6574% | 926 |
| Net loans and leases to core deposits | 84.8534% | 1,272 |
| Total domestic deposits to total assets | 84.9939% | 3,270 |
| Equity capital to assets | 8.4667% | 4,070 |
| Core capital (leverage) ratio | 9.3664% | 3,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7159% | 2,721 |
| Memoranda: | ||
| Average total assets | $698,794,200 | 1,288 |
| Average earning assets | $677,309,800 | 1,252 |
| Average equity | $41,311,000 | 2,038 |
| Average total loans | $582,896,000 | 1,041 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4060% | 3,089 |
| Cost of funding earning assets | 0.2769% | 2,831 |
| Net interest margin | 3.1291% | 2,966 |
| Noninterest income to average assets | 0.3221% | 3,502 |
| Noninterest expense to average assets | 1.9480% | 3,817 |
| Loan and lease loss provision to assets | 0.2541% | 361 |
| Net operating income to assets | 0.8486% | 3,392 |
| Return on assets (ROA) | 0.8486% | 3,451 |
| Pretax return on assets | 1.1607% | 3,044 |
| Return on Equity (ROE) | 15.6297% | 1,017 |
| Retained earnings to average equity (ytd only) | 15.6297% | 326 |
| Net charge-offs to loans | 0.0083% | 2,006 |
| Credit loss provision to net charge-offs | 3,589.7436% | 212 |
| Earnings coverage of net charge-offs (x) | 199.9231% | 553 |
| Efficiency ratio | 57.9291% | 3,269 |
| Assets per employee ($millions) | 6.4780% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,548 |
| Loan loss allowance to noncurrent loans | 674.1071% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 3,303 |
| Noncurrent loans to loans | 0.1597% | 3,324 |
| Net loans and leases to total assets | 75.6054% | 576 |
| Net loans and leases to deposits | 102.0606% | 189 |
| Net loans and leases to core deposits | 103.8152% | 462 |
| Total domestic deposits to total assets | 74.0790% | 4,634 |
| Equity capital to assets | 8.3047% | 4,341 |
| Core capital (leverage) ratio | 9.7726% | 2,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7516% | 2,452 |
| Memoranda: | ||
| Average total assets | $734,817,750 | 1,255 |
| Average earning assets | $714,050,750 | 1,211 |
| Average equity | $39,897,500 | 2,112 |
| Average total loans | $628,870,000 | 979 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2993% | 3,428 |
| Cost of funding earning assets | 0.2912% | 2,863 |
| Net interest margin | 3.0080% | 3,299 |
| Noninterest income to average assets | 0.3135% | 3,548 |
| Noninterest expense to average assets | 1.8359% | 4,106 |
| Loan and lease loss provision to assets | 0.2763% | 332 |
| Net operating income to assets | 0.8289% | 3,426 |
| Return on assets (ROA) | 0.8289% | 3,499 |
| Pretax return on assets | 1.1329% | 3,107 |
| Return on Equity (ROE) | 17.3895% | 734 |
| Retained earnings to average equity (ytd only) | 17.3895% | 255 |
| Net charge-offs to loans | 0.0137% | 1,676 |
| Credit loss provision to net charge-offs | 2,291.6667% | 260 |
| Earnings coverage of net charge-offs (x) | 116.8750% | 680 |
| Efficiency ratio | 56.5756% | 3,465 |
| Assets per employee ($millions) | 8.1392% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 4,394 |
| Loan loss allowance to noncurrent loans | 42,210.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,330 |
| Noncurrent loans to loans | 0.0018% | 4,263 |
| Net loans and leases to total assets | 78.5690% | 403 |
| Net loans and leases to deposits | 132.5572% | 30 |
| Net loans and leases to core deposits | 135.6123% | 98 |
| Total domestic deposits to total assets | 59.2718% | 4,874 |
| Equity capital to assets | 6.4662% | 4,898 |
| Core capital (leverage) ratio | 9.3480% | 3,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7196% | 2,470 |
| Memoranda: | ||
| Average total assets | $796,215,000 | 1,164 |
| Average earning assets | $775,988,000 | 1,124 |
| Average equity | $37,954,000 | 2,179 |
| Average total loans | $698,215,667 | 897 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1849% | 3,718 |
| Cost of funding earning assets | 0.3044% | 2,944 |
| Net interest margin | 2.8805% | 3,575 |
| Noninterest income to average assets | 0.3050% | 3,588 |
| Noninterest expense to average assets | 1.6653% | 4,444 |
| Loan and lease loss provision to assets | 0.2346% | 473 |
| Net operating income to assets | 0.8901% | 3,154 |
| Return on assets (ROA) | 0.8901% | 3,236 |
| Pretax return on assets | 1.2162% | 2,801 |
| Return on Equity (ROE) | 21.7880% | 410 |
| Retained earnings to average equity (ytd only) | 21.7880% | 220 |
| Net charge-offs to loans | 0.0252% | 1,249 |
| Credit loss provision to net charge-offs | 1,020.4082% | 411 |
| Earnings coverage of net charge-offs (x) | 63.1020% | 803 |
| Efficiency ratio | 53.4407% | 3,859 |
| Assets per employee ($millions) | 9.8857% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4931% | 4,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 89.0316% | 30 |
| Net loans and leases to deposits | 187.2485% | 10 |
| Net loans and leases to core deposits | 202.9194% | 35 |
| Total domestic deposits to total assets | 47.5473% | 4,927 |
| Equity capital to assets | 4.3637% | 4,972 |
| Core capital (leverage) ratio | 8.2893% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0359% | 2,927 |
| Memoranda: | ||
| Average total assets | $852,476,000 | 1,091 |
| Average earning assets | $831,931,000 | 1,045 |
| Average equity | $34,826,500 | 2,309 |
| Average total loans | $776,627,500 | 829 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1582% | 4,499 |
| Cost of funding earning assets | 0.4571% | 3,243 |
| Net interest margin | 2.7011% | 4,372 |
| Noninterest income to average assets | 0.2405% | 4,059 |
| Noninterest expense to average assets | 2.0414% | 4,058 |
| Loan and lease loss provision to assets | 0.1685% | 2,278 |
| Net operating income to assets | 0.4802% | 4,072 |
| Return on assets (ROA) | 0.4802% | 4,157 |
| Pretax return on assets | 0.6562% | 3,970 |
| Return on Equity (ROE) | 10.0711% | 1,978 |
| Retained earnings to average equity (ytd only) | 10.0711% | 569 |
| Net charge-offs to loans | -0.0005% | 3,906 |
| Credit loss provision to net charge-offs | -35,666.6667% | 4,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2260% | 1,781 |
| Assets per employee ($millions) | 11.3389% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3869% | 4,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 92.2562% | 10 |
| Net loans and leases to deposits | 234.3459% | 10 |
| Net loans and leases to core deposits | 253.6828% | 29 |
| Total domestic deposits to total assets | 39.3675% | 4,963 |
| Equity capital to assets | 3.8271% | 4,997 |
| Core capital (leverage) ratio | 8.6857% | 4,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2879% | 2,844 |
| Memoranda: | ||
| Average total assets | $634,908,400 | 1,282 |
| Average earning assets | $617,154,000 | 1,235 |
| Average equity | $30,274,800 | 2,468 |
| Average total loans | $567,856,600 | 1,030 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1673% | 4,617 |
| Cost of funding earning assets | 0.4999% | 3,229 |
| Net interest margin | 2.6674% | 4,501 |
| Noninterest income to average assets | 0.1898% | 4,340 |
| Noninterest expense to average assets | 1.9364% | 4,277 |
| Loan and lease loss provision to assets | 0.2492% | 1,622 |
| Net operating income to assets | 0.4329% | 4,198 |
| Return on assets (ROA) | 0.4329% | 4,264 |
| Pretax return on assets | 0.5924% | 4,113 |
| Return on Equity (ROE) | 8.4359% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.4359% | 1,156 |
| Net charge-offs to loans | -0.0005% | 3,781 |
| Credit loss provision to net charge-offs | -53,500.0000% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7041% | 1,922 |
| Assets per employee ($millions) | 13.0957% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3699% | 4,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 93.0696% | 12 |
| Net loans and leases to deposits | 300.7512% | 6 |
| Net loans and leases to core deposits | 310.4687% | 20 |
| Total domestic deposits to total assets | 30.9457% | 5,002 |
| Equity capital to assets | 3.5231% | 5,027 |
| Core capital (leverage) ratio | 8.7372% | 4,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5004% | 2,417 |
| Memoranda: | ||
| Average total assets | $572,526,250 | 1,363 |
| Average earning assets | $555,536,500 | 1,315 |
| Average equity | $29,381,500 | 2,501 |
| Average total loans | $505,041,500 | 1,116 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2838% | 4,664 |
| Cost of funding earning assets | 0.5622% | 3,172 |
| Net interest margin | 2.7216% | 4,533 |
| Noninterest income to average assets | 0.1717% | 4,434 |
| Noninterest expense to average assets | 2.0183% | 4,196 |
| Loan and lease loss provision to assets | 0.2490% | 1,688 |
| Net operating income to assets | 0.3858% | 4,262 |
| Return on assets (ROA) | 0.3858% | 4,323 |
| Pretax return on assets | 0.5290% | 4,201 |
| Return on Equity (ROE) | 6.2161% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.2161% | 1,977 |
| Net charge-offs to loans | -0.0010% | 3,753 |
| Credit loss provision to net charge-offs | -28,500.0000% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1762% | 1,656 |
| Assets per employee ($millions) | 13.8892% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3298% | 4,946 |
| Loan loss allowance to noncurrent loans | 646.0048% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,311 |
| Noncurrent loans to loans | 0.0511% | 4,279 |
| Net loans and leases to total assets | 87.9625% | 62 |
| Net loans and leases to deposits | 284.8523% | 6 |
| Net loans and leases to core deposits | 298.2865% | 19 |
| Total domestic deposits to total assets | 30.8800% | 5,033 |
| Equity capital to assets | 3.1987% | 5,062 |
| Core capital (leverage) ratio | 7.7008% | 4,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4589% | 2,416 |
| Memoranda: | ||
| Average total assets | $457,803,000 | 1,634 |
| Average earning assets | $441,499,000 | 1,571 |
| Average equity | $28,410,000 | 2,557 |
| Average total loans | $387,944,333 | 1,363 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 2,293 |
| Cost of funding earning assets | 0.8557% | 2,087 |
| Net interest margin | 3.6528% | 2,495 |
| Noninterest income to average assets | 0.3731% | 3,279 |
| Noninterest expense to average assets | 3.6433% | 764 |
| Loan and lease loss provision to assets | 0.1226% | 2,162 |
| Net operating income to assets | 0.0158% | 4,736 |
| Return on assets (ROA) | 0.0158% | 4,725 |
| Pretax return on assets | 0.0315% | 4,715 |
| Return on Equity (ROE) | 0.1288% | 4,728 |
| Retained earnings to average equity (ytd only) | 0.1288% | 3,965 |
| Net charge-offs to loans | -0.0023% | 3,676 |
| Credit loss provision to net charge-offs | -7,000.0000% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9410% | 328 |
| Assets per employee ($millions) | 3.9441% | 4,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 2,676 |
| Loan loss allowance to noncurrent loans | 380.1754% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,493 |
| Noncurrent loans to loans | 0.3157% | 3,365 |
| Net loans and leases to total assets | 75.3919% | 1,406 |
| Net loans and leases to deposits | 90.6593% | 1,437 |
| Net loans and leases to core deposits | 96.1785% | 1,775 |
| Total domestic deposits to total assets | 83.1597% | 3,059 |
| Equity capital to assets | 11.8658% | 2,171 |
| Core capital (leverage) ratio | 11.4576% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0044% | 1,901 |
| Memoranda: | ||
| Average total assets | $228,361,500 | 2,647 |
| Average earning assets | $214,082,000 | 2,627 |
| Average equity | $27,954,000 | 2,580 |
| Average total loans | $177,412,500 | 2,387 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8935% | 1,767 |
| Cost of funding earning assets | 0.9407% | 2,006 |
| Net interest margin | 3.9528% | 1,988 |
| Noninterest income to average assets | 0.6367% | 2,061 |
| Noninterest expense to average assets | 3.5605% | 891 |
| Loan and lease loss provision to assets | 0.1368% | 1,562 |
| Net operating income to assets | 0.4730% | 4,463 |
| Return on assets (ROA) | 0.4730% | 4,504 |
| Pretax return on assets | 0.6532% | 4,317 |
| Return on Equity (ROE) | 4.7742% | 4,276 |
| Retained earnings to average equity (ytd only) | 4.7742% | 2,548 |
| Net charge-offs to loans | 0.1894% | 1,072 |
| Credit loss provision to net charge-offs | 94.1558% | 2,604 |
| Earnings coverage of net charge-offs (x) | 5.4383% | 3,087 |
| Efficiency ratio | 81.8428% | 809 |
| Assets per employee ($millions) | 3.9299% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 2,424 |
| Loan loss allowance to noncurrent loans | 1,369.9346% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 4,278 |
| Noncurrent loans to loans | 0.0878% | 4,173 |
| Net loans and leases to total assets | 78.2226% | 1,045 |
| Net loans and leases to deposits | 92.4598% | 1,315 |
| Net loans and leases to core deposits | 98.0398% | 1,721 |
| Total domestic deposits to total assets | 84.6018% | 2,642 |
| Equity capital to assets | 12.6447% | 1,739 |
| Core capital (leverage) ratio | 12.1397% | 1,690 |
| Tier 1 risk-based capital ratio | 14.4622% | 3,038 |
| Total risk-based capital ratio | 15.6371% | 2,985 |
| Memoranda: | ||
| Average total assets | $212,047,200 | 2,738 |
| Average earning assets | $199,223,600 | 2,719 |
| Average equity | $21,008,600 | 3,038 |
| Average total loans | $162,625,400 | 2,479 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 1,703 |
| Cost of funding earning assets | 0.9538% | 1,978 |
| Net interest margin | 3.9880% | 1,985 |
| Noninterest income to average assets | 0.6945% | 1,812 |
| Noninterest expense to average assets | 3.6602% | 791 |
| Loan and lease loss provision to assets | 0.1174% | 1,665 |
| Net operating income to assets | 0.4831% | 4,562 |
| Return on assets (ROA) | 0.4831% | 4,603 |
| Pretax return on assets | 0.6697% | 4,411 |
| Return on Equity (ROE) | 5.2562% | 4,253 |
| Retained earnings to average equity (ytd only) | 5.2562% | 2,751 |
| Net charge-offs to loans | 0.2579% | 684 |
| Credit loss provision to net charge-offs | 59.8706% | 2,711 |
| Earnings coverage of net charge-offs (x) | 4.0129% | 3,051 |
| Efficiency ratio | 82.3009% | 735 |
| Assets per employee ($millions) | 4.2870% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 2,136 |
| Loan loss allowance to noncurrent loans | 1,259.4937% | 489 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 4,350 |
| Noncurrent loans to loans | 0.1006% | 4,196 |
| Net loans and leases to total assets | 72.3781% | 2,122 |
| Net loans and leases to deposits | 83.5100% | 2,506 |
| Net loans and leases to core deposits | 88.7318% | 2,661 |
| Total domestic deposits to total assets | 86.6701% | 1,699 |
| Equity capital to assets | 9.9826% | 4,035 |
| Core capital (leverage) ratio | 9.3661% | 4,307 |
| Tier 1 risk-based capital ratio | 11.8864% | 4,468 |
| Total risk-based capital ratio | 13.1053% | 4,372 |
| Memoranda: | ||
| Average total assets | $210,039,750 | 2,779 |
| Average earning assets | $197,655,000 | 2,751 |
| Average equity | $19,303,750 | 3,216 |
| Average total loans | $159,720,250 | 2,536 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0076% | 1,466 |
| Cost of funding earning assets | 0.9633% | 1,851 |
| Net interest margin | 4.0443% | 1,787 |
| Noninterest income to average assets | 0.7996% | 1,351 |
| Noninterest expense to average assets | 3.8398% | 640 |
| Loan and lease loss provision to assets | 0.1774% | 1,011 |
| Net operating income to assets | 0.4266% | 4,686 |
| Return on assets (ROA) | 0.4266% | 4,707 |
| Pretax return on assets | 0.5944% | 4,552 |
| Return on Equity (ROE) | 4.7835% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.7835% | 2,874 |
| Net charge-offs to loans | 0.3674% | 451 |
| Credit loss provision to net charge-offs | 62.7119% | 2,386 |
| Earnings coverage of net charge-offs (x) | 2.7288% | 2,911 |
| Efficiency ratio | 83.2640% | 709 |
| Assets per employee ($millions) | 4.4575% | 3,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,997 |
| Loan loss allowance to noncurrent loans | 1,344.9664% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 4,402 |
| Noncurrent loans to loans | 0.0970% | 4,244 |
| Net loans and leases to total assets | 72.3943% | 2,160 |
| Net loans and leases to deposits | 81.9009% | 2,743 |
| Net loans and leases to core deposits | 87.5505% | 2,847 |
| Total domestic deposits to total assets | 88.3926% | 925 |
| Equity capital to assets | 9.2385% | 4,621 |
| Core capital (leverage) ratio | 8.6107% | 4,903 |
| Tier 1 risk-based capital ratio | 10.9569% | 4,930 |
| Total risk-based capital ratio | 12.2071% | 4,846 |
| Memoranda: | ||
| Average total assets | $208,602,330 | 2,796 |
| Average earning assets | $196,623,000 | 2,767 |
| Average equity | $18,605,670 | 3,288 |
| Average total loans | $160,582,330 | 2,532 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0895% | 1,115 |
| Cost of funding earning assets | 0.9783% | 1,661 |
| Net interest margin | 4.1112% | 1,521 |
| Noninterest income to average assets | 0.7033% | 1,603 |
| Noninterest expense to average assets | 3.7934% | 654 |
| Loan and lease loss provision to assets | 0.3555% | 331 |
| Net operating income to assets | 0.2921% | 4,909 |
| Return on assets (ROA) | 0.2921% | 4,913 |
| Pretax return on assets | 0.4228% | 4,808 |
| Return on Equity (ROE) | 3.3350% | 4,713 |
| Retained earnings to average equity (ytd only) | 3.3350% | 3,584 |
| Net charge-offs to loans | 0.7218% | 208 |
| Credit loss provision to net charge-offs | 62.5000% | 1,897 |
| Earnings coverage of net charge-offs (x) | 1.3682% | 2,606 |
| Efficiency ratio | 82.9760% | 790 |
| Assets per employee ($millions) | 4.3358% | 3,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 2,370 |
| Loan loss allowance to noncurrent loans | 1,344.2953% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 4,469 |
| Noncurrent loans to loans | 0.0924% | 4,333 |
| Net loans and leases to total assets | 74.9532% | 1,649 |
| Net loans and leases to deposits | 84.6095% | 2,312 |
| Net loans and leases to core deposits | 91.9209% | 2,308 |
| Total domestic deposits to total assets | 88.5872% | 1,041 |
| Equity capital to assets | 8.6546% | 4,899 |
| Core capital (leverage) ratio | 8.1065% | 5,180 |
| Tier 1 risk-based capital ratio | 10.0849% | 5,266 |
| Total risk-based capital ratio | 11.3147% | 5,230 |
| Memoranda: | ||
| Average total assets | $208,151,500 | 2,828 |
| Average earning assets | $195,854,500 | 2,798 |
| Average equity | $18,231,000 | 3,334 |
| Average total loans | $164,037,000 | 2,519 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7865% | 1,577 |
| Cost of funding earning assets | 0.8199% | 1,440 |
| Net interest margin | 3.9666% | 2,103 |
| Noninterest income to average assets | 1.1198% | 736 |
| Noninterest expense to average assets | 4.1629% | 424 |
| Loan and lease loss provision to assets | 0.2386% | 744 |
| Net operating income to assets | 0.2984% | 5,011 |
| Return on assets (ROA) | 0.2984% | 5,006 |
| Pretax return on assets | 0.4332% | 4,902 |
| Return on Equity (ROE) | 3.3105% | 4,854 |
| Retained earnings to average equity (ytd only) | 3.3105% | 3,754 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1033% | 519 |
| Assets per employee ($millions) | 3.9970% | 3,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 2,213 |
| Loan loss allowance to noncurrent loans | 471.8750% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,726 |
| Noncurrent loans to loans | 0.2685% | 3,616 |
| Net loans and leases to total assets | 80.8029% | 823 |
| Net loans and leases to deposits | 91.3840% | 1,618 |
| Net loans and leases to core deposits | 100.9462% | 1,652 |
| Total domestic deposits to total assets | 88.4213% | 1,108 |
| Equity capital to assets | 8.8669% | 4,680 |
| Core capital (leverage) ratio | 8.3045% | 5,116 |
| Tier 1 risk-based capital ratio | 9.8859% | 5,335 |
| Total risk-based capital ratio | 11.1363% | 5,288 |
| Memoranda: | ||
| Average total assets | $190,658,800 | 2,956 |
| Average earning assets | $178,564,000 | 2,936 |
| Average equity | $17,187,600 | 3,375 |
| Average total loans | $155,138,200 | 2,583 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6872% | 1,712 |
| Cost of funding earning assets | 0.7690% | 1,486 |
| Net interest margin | 3.9181% | 2,230 |
| Noninterest income to average assets | 1.1806% | 678 |
| Noninterest expense to average assets | 4.3025% | 355 |
| Loan and lease loss provision to assets | 0.1993% | 874 |
| Net operating income to assets | 0.2299% | 5,176 |
| Return on assets (ROA) | 0.2299% | 5,172 |
| Pretax return on assets | 0.3480% | 5,089 |
| Return on Equity (ROE) | 2.5384% | 5,064 |
| Retained earnings to average equity (ytd only) | 2.5384% | 4,384 |
| Net charge-offs to loans | -0.0429% | 4,878 |
| Credit loss provision to net charge-offs | -571.4286% | 4,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7161% | 374 |
| Assets per employee ($millions) | 3.8759% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,467 |
| Loan loss allowance to noncurrent loans | 158.5327% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.6344% | 2,284 |
| Noncurrent loans to loans | 0.7745% | 2,152 |
| Net loans and leases to total assets | 80.8993% | 885 |
| Net loans and leases to deposits | 91.4344% | 1,699 |
| Net loans and leases to core deposits | 98.7892% | 1,881 |
| Total domestic deposits to total assets | 88.4779% | 1,058 |
| Equity capital to assets | 8.6835% | 4,808 |
| Core capital (leverage) ratio | 8.0535% | 5,308 |
| Tier 1 risk-based capital ratio | 9.5787% | 5,434 |
| Total risk-based capital ratio | 10.8286% | 5,409 |
| Memoranda: | ||
| Average total assets | $187,361,250 | 3,011 |
| Average earning assets | $175,453,000 | 2,992 |
| Average equity | $16,965,750 | 3,422 |
| Average total loans | $152,215,250 | 2,633 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 1,871 |
| Cost of funding earning assets | 0.7088% | 1,573 |
| Net interest margin | 3.8625% | 2,340 |
| Noninterest income to average assets | 1.2821% | 588 |
| Noninterest expense to average assets | 4.5247% | 290 |
| Loan and lease loss provision to assets | 0.1522% | 1,243 |
| Net operating income to assets | 0.1207% | 5,278 |
| Return on assets (ROA) | 0.1207% | 5,270 |
| Pretax return on assets | 0.2197% | 5,226 |
| Return on Equity (ROE) | 1.3137% | 5,240 |
| Retained earnings to average equity (ytd only) | 1.3137% | 4,681 |
| Net charge-offs to loans | -0.0644% | 5,005 |
| Credit loss provision to net charge-offs | -291.6667% | 4,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4051% | 298 |
| Assets per employee ($millions) | 3.3587% | 4,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2018% | 2,702 |
| Loan loss allowance to noncurrent loans | 147.2887% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 2,238 |
| Noncurrent loans to loans | 0.8159% | 2,095 |
| Net loans and leases to total assets | 80.7282% | 900 |
| Net loans and leases to deposits | 91.6925% | 1,623 |
| Net loans and leases to core deposits | 102.5863% | 1,523 |
| Total domestic deposits to total assets | 88.0423% | 1,358 |
| Equity capital to assets | 9.0123% | 4,550 |
| Core capital (leverage) ratio | 8.3958% | 5,171 |
| Tier 1 risk-based capital ratio | 9.7232% | 5,476 |
| Total risk-based capital ratio | 10.9302% | 5,447 |
| Memoranda: | ||
| Average total assets | $183,924,000 | 3,060 |
| Average earning assets | $172,117,000 | 3,046 |
| Average equity | $16,899,330 | 3,451 |
| Average total loans | $148,985,670 | 2,673 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5114% | 1,834 |
| Cost of funding earning assets | 0.6609% | 1,653 |
| Net interest margin | 3.8504% | 2,224 |
| Noninterest income to average assets | 1.5794% | 389 |
| Noninterest expense to average assets | 4.8394% | 239 |
| Loan and lease loss provision to assets | 0.1540% | 1,175 |
| Net operating income to assets | 0.0572% | 5,354 |
| Return on assets (ROA) | 0.0572% | 5,350 |
| Pretax return on assets | 0.1870% | 5,274 |
| Return on Equity (ROE) | 0.6164% | 5,342 |
| Retained earnings to average equity (ytd only) | 0.6164% | 4,709 |
| Net charge-offs to loans | -0.0900% | 5,169 |
| Credit loss provision to net charge-offs | -212.1212% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4183% | 319 |
| Assets per employee ($millions) | 2.9491% | 5,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,927 |
| Loan loss allowance to noncurrent loans | 140.2866% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.6760% | 2,306 |
| Noncurrent loans to loans | 0.8421% | 2,130 |
| Net loans and leases to total assets | 79.3329% | 1,031 |
| Net loans and leases to deposits | 89.0976% | 1,800 |
| Net loans and leases to core deposits | 107.9682% | 1,124 |
| Total domestic deposits to total assets | 89.0405% | 1,075 |
| Equity capital to assets | 9.0708% | 4,490 |
| Core capital (leverage) ratio | 8.3497% | 5,230 |
| Tier 1 risk-based capital ratio | 10.0369% | 5,496 |
| Total risk-based capital ratio | 11.2344% | 5,447 |
| Memoranda: | ||
| Average total assets | $181,842,000 | 3,110 |
| Average earning assets | $170,059,500 | 3,095 |
| Average equity | $16,873,500 | 3,490 |
| Average total loans | $146,635,000 | 2,728 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5025% | 1,700 |
| Cost of funding earning assets | 0.6762% | 1,156 |
| Net interest margin | 3.8263% | 2,336 |
| Noninterest income to average assets | 1.5840% | 416 |
| Noninterest expense to average assets | 4.9526% | 223 |
| Loan and lease loss provision to assets | 0.1290% | 1,777 |
| Net operating income to assets | -0.6530% | 5,557 |
| Return on assets (ROA) | -0.6530% | 5,556 |
| Pretax return on assets | 0.0013% | 5,435 |
| Return on Equity (ROE) | -6.2354% | 5,558 |
| Retained earnings to average equity (ytd only) | -6.2354% | 5,470 |
| Net charge-offs to loans | 0.1152% | 1,897 |
| Credit loss provision to net charge-offs | 138.5135% | 1,909 |
| Earnings coverage of net charge-offs (x) | 1.3986% | 3,890 |
| Efficiency ratio | 97.4381% | 219 |
| Assets per employee ($millions) | 2.7795% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 3,054 |
| Loan loss allowance to noncurrent loans | 131.3539% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7100% | 2,195 |
| Noncurrent loans to loans | 0.8764% | 2,033 |
| Net loans and leases to total assets | 80.0794% | 946 |
| Net loans and leases to deposits | 90.4057% | 1,725 |
| Net loans and leases to core deposits | 111.4201% | 928 |
| Total domestic deposits to total assets | 88.5778% | 1,207 |
| Equity capital to assets | 9.4968% | 4,238 |
| Core capital (leverage) ratio | 8.7497% | 4,904 |
| Tier 1 risk-based capital ratio | 10.3612% | 5,422 |
| Total risk-based capital ratio | 11.5402% | 5,373 |
| Memoranda: | ||
| Average total assets | $158,967,800 | 3,361 |
| Average earning assets | $145,362,200 | 3,378 |
| Average equity | $16,647,000 | 3,519 |
| Average total loans | $128,479,400 | 2,936 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 1,672 |
| Cost of funding earning assets | 0.6799% | 1,073 |
| Net interest margin | 3.8111% | 2,358 |
| Noninterest income to average assets | 1.6174% | 424 |
| Noninterest expense to average assets | 5.1072% | 210 |
| Loan and lease loss provision to assets | 0.1037% | 2,036 |
| Net operating income to assets | -0.0787% | 5,542 |
| Return on assets (ROA) | -0.0787% | 5,547 |
| Pretax return on assets | -0.1288% | 5,555 |
| Return on Equity (ROE) | -0.7316% | 5,547 |
| Retained earnings to average equity (ytd only) | -0.7316% | 5,321 |
| Net charge-offs to loans | 0.1584% | 1,293 |
| Credit loss provision to net charge-offs | 81.0811% | 2,568 |
| Earnings coverage of net charge-offs (x) | -0.1960% | 3,704 |
| Efficiency ratio | 100.4933% | 170 |
| Assets per employee ($millions) | 2.4726% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,125 |
| Loan loss allowance to noncurrent loans | 124.5253% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.7745% | 2,203 |
| Noncurrent loans to loans | 0.9351% | 2,052 |
| Net loans and leases to total assets | 81.8681% | 713 |
| Net loans and leases to deposits | 93.3738% | 1,370 |
| Net loans and leases to core deposits | 106.1867% | 1,260 |
| Total domestic deposits to total assets | 87.6778% | 1,527 |
| Equity capital to assets | 10.1818% | 3,708 |
| Core capital (leverage) ratio | 8.5894% | 5,178 |
| Tier 1 risk-based capital ratio | 9.9387% | 5,610 |
| Total risk-based capital ratio | 11.1186% | 5,591 |
| Memoranda: | ||
| Average total assets | $154,237,000 | 3,450 |
| Average earning assets | $140,218,500 | 3,479 |
| Average equity | $16,585,250 | 3,560 |
| Average total loans | $124,571,000 | 3,019 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 1,605 |
| Cost of funding earning assets | 0.6750% | 1,023 |
| Net interest margin | 3.7922% | 2,314 |
| Noninterest income to average assets | 1.4942% | 487 |
| Noninterest expense to average assets | 5.1517% | 204 |
| Loan and lease loss provision to assets | 0.0661% | 2,644 |
| Net operating income to assets | -0.1745% | 5,613 |
| Return on assets (ROA) | -0.1745% | 5,615 |
| Pretax return on assets | -0.2843% | 5,631 |
| Return on Equity (ROE) | -1.5928% | 5,612 |
| Retained earnings to average equity (ytd only) | -1.5928% | 5,306 |
| Net charge-offs to loans | 0.2479% | 826 |
| Credit loss provision to net charge-offs | 33.3333% | 2,701 |
| Earnings coverage of net charge-offs (x) | -1.1000% | 3,434 |
| Efficiency ratio | 104.4224% | 146 |
| Assets per employee ($millions) | 2.6055% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1812% | 3,131 |
| Loan loss allowance to noncurrent loans | 117.8964% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8016% | 2,205 |
| Noncurrent loans to loans | 1.0019% | 1,957 |
| Net loans and leases to total assets | 79.0604% | 1,086 |
| Net loans and leases to deposits | 90.4662% | 1,669 |
| Net loans and leases to core deposits | 109.8385% | 1,010 |
| Total domestic deposits to total assets | 87.3922% | 1,766 |
| Equity capital to assets | 10.4346% | 3,426 |
| Core capital (leverage) ratio | 9.1486% | 4,559 |
| Tier 1 risk-based capital ratio | 10.5733% | 5,433 |
| Total risk-based capital ratio | 11.7765% | 5,376 |
| Memoranda: | ||
| Average total assets | $151,251,670 | 3,505 |
| Average earning assets | $137,175,330 | 3,536 |
| Average equity | $16,575,000 | 3,572 |
| Average total loans | $121,035,670 | 3,074 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5140% | 1,343 |
| Cost of funding earning assets | 0.6761% | 949 |
| Net interest margin | 3.8380% | 1,994 |
| Noninterest income to average assets | 1.2672% | 631 |
| Noninterest expense to average assets | 5.3646% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3799% | 5,721 |
| Return on assets (ROA) | -0.3799% | 5,719 |
| Pretax return on assets | -0.6160% | 5,746 |
| Return on Equity (ROE) | -3.3795% | 5,712 |
| Retained earnings to average equity (ytd only) | -3.3795% | 5,284 |
| Net charge-offs to loans | 0.5255% | 345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -1.4645% | 2,883 |
| Efficiency ratio | 112.9714% | 100 |
| Assets per employee ($millions) | 2.4222% | 5,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 2,790 |
| Loan loss allowance to noncurrent loans | 111.5652% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 2,078 |
| Noncurrent loans to loans | 1.1247% | 1,815 |
| Net loans and leases to total assets | 78.3551% | 1,078 |
| Net loans and leases to deposits | 90.7761% | 1,451 |
| Net loans and leases to core deposits | 106.3110% | 1,080 |
| Total domestic deposits to total assets | 86.3168% | 2,527 |
| Equity capital to assets | 11.3815% | 2,277 |
| Core capital (leverage) ratio | 9.0768% | 4,653 |
| Tier 1 risk-based capital ratio | 11.5448% | 5,003 |
| Total risk-based capital ratio | 12.8020% | 4,901 |
| Memoranda: | ||
| Average total assets | $147,411,000 | 3,586 |
| Average earning assets | $133,716,500 | 3,632 |
| Average equity | $16,570,500 | 3,593 |
| Average total loans | $117,976,000 | 3,142 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 1,403 |
| Cost of funding earning assets | 0.6119% | 1,263 |
| Net interest margin | 3.9389% | 1,822 |
| Noninterest income to average assets | 2.0063% | 341 |
| Noninterest expense to average assets | 5.6561% | 192 |
| Loan and lease loss provision to assets | 0.3720% | 443 |
| Net operating income to assets | -0.2810% | 5,737 |
| Return on assets (ROA) | -0.2810% | 5,746 |
| Pretax return on assets | -0.4666% | 5,773 |
| Return on Equity (ROE) | -2.3665% | 5,739 |
| Retained earnings to average equity (ytd only) | -2.3665% | 5,557 |
| Net charge-offs to loans | 0.1180% | 2,076 |
| Credit loss provision to net charge-offs | 389.7638% | 812 |
| Earnings coverage of net charge-offs (x) | -0.9921% | 4,170 |
| Efficiency ratio | 101.7025% | 203 |
| Assets per employee ($millions) | 2.4915% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 2,387 |
| Loan loss allowance to noncurrent loans | 104.6375% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 1.0241% | 1,850 |
| Noncurrent loans to loans | 1.2692% | 1,613 |
| Net loans and leases to total assets | 79.6227% | 947 |
| Net loans and leases to deposits | 91.9419% | 1,465 |
| Net loans and leases to core deposits | 108.2929% | 1,004 |
| Total domestic deposits to total assets | 86.6011% | 2,330 |
| Equity capital to assets | 11.1044% | 2,534 |
| Core capital (leverage) ratio | 9.5310% | 4,041 |
| Tier 1 risk-based capital ratio | 11.5025% | 5,054 |
| Total risk-based capital ratio | 12.7666% | 4,947 |
| Memoranda: | ||
| Average total assets | $133,078,000 | 3,782 |
| Average earning assets | $120,109,000 | 3,825 |
| Average equity | $15,803,600 | 3,717 |
| Average total loans | $107,671,000 | 3,247 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 1,379 |
| Cost of funding earning assets | 0.5906% | 1,407 |
| Net interest margin | 3.9715% | 1,740 |
| Noninterest income to average assets | 1.9993% | 347 |
| Noninterest expense to average assets | 5.5668% | 199 |
| Loan and lease loss provision to assets | 0.3670% | 423 |
| Net operating income to assets | -0.2161% | 5,797 |
| Return on assets (ROA) | -0.2161% | 5,809 |
| Pretax return on assets | -0.3546% | 5,829 |
| Return on Equity (ROE) | -1.7858% | 5,807 |
| Retained earnings to average equity (ytd only) | -1.7858% | 5,583 |
| Net charge-offs to loans | 0.1724% | 1,334 |
| Credit loss provision to net charge-offs | 262.9630% | 1,157 |
| Earnings coverage of net charge-offs (x) | 0.0889% | 3,822 |
| Efficiency ratio | 99.7777% | 227 |
| Assets per employee ($millions) | 2.5635% | 5,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 2,904 |
| Loan loss allowance to noncurrent loans | 94.9706% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 1.0859% | 1,886 |
| Noncurrent loans to loans | 1.3259% | 1,673 |
| Net loans and leases to total assets | 80.8667% | 775 |
| Net loans and leases to deposits | 93.5548% | 1,310 |
| Net loans and leases to core deposits | 110.8542% | 871 |
| Total domestic deposits to total assets | 86.4378% | 2,151 |
| Equity capital to assets | 11.0295% | 2,977 |
| Core capital (leverage) ratio | 9.3409% | 4,402 |
| Tier 1 risk-based capital ratio | 11.1835% | 5,267 |
| Total risk-based capital ratio | 12.4474% | 5,165 |
| Memoranda: | ||
| Average total assets | $128,975,000 | 3,871 |
| Average earning assets | $116,258,250 | 3,920 |
| Average equity | $15,604,500 | 3,771 |
| Average total loans | $104,431,250 | 3,320 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5794% | 1,308 |
| Cost of funding earning assets | 0.5609% | 1,610 |
| Net interest margin | 4.0186% | 1,587 |
| Noninterest income to average assets | 1.8741% | 380 |
| Noninterest expense to average assets | 5.4078% | 221 |
| Loan and lease loss provision to assets | 0.3601% | 450 |
| Net operating income to assets | -0.1712% | 5,848 |
| Return on assets (ROA) | -0.1712% | 5,859 |
| Pretax return on assets | -0.2817% | 5,875 |
| Return on Equity (ROE) | -1.3698% | 5,855 |
| Retained earnings to average equity (ytd only) | -1.3698% | 5,480 |
| Net charge-offs to loans | -0.1132% | 5,663 |
| Credit loss provision to net charge-offs | -394.7368% | 4,880 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5706% | 268 |
| Assets per employee ($millions) | 2.9180% | 5,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 2,525 |
| Loan loss allowance to noncurrent loans | 74.7166% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.5116% | 1,262 |
| Noncurrent loans to loans | 1.8083% | 1,138 |
| Net loans and leases to total assets | 82.4654% | 577 |
| Net loans and leases to deposits | 96.1627% | 1,065 |
| Net loans and leases to core deposits | 115.2661% | 666 |
| Total domestic deposits to total assets | 85.7561% | 2,536 |
| Equity capital to assets | 11.6580% | 2,397 |
| Core capital (leverage) ratio | 10.2336% | 3,290 |
| Tier 1 risk-based capital ratio | 11.6406% | 5,065 |
| Total risk-based capital ratio | 12.9053% | 4,960 |
| Memoranda: | ||
| Average total assets | $124,968,330 | 3,960 |
| Average earning assets | $112,328,330 | 4,011 |
| Average equity | $15,622,330 | 3,786 |
| Average total loans | $100,751,000 | 3,394 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6065% | 1,247 |
| Cost of funding earning assets | 0.5341% | 1,836 |
| Net interest margin | 4.0725% | 1,421 |
| Noninterest income to average assets | 1.6520% | 440 |
| Noninterest expense to average assets | 5.3848% | 224 |
| Loan and lease loss provision to assets | 0.7479% | 140 |
| Net operating income to assets | -0.4953% | 5,961 |
| Return on assets (ROA) | -0.4953% | 5,968 |
| Pretax return on assets | -0.8310% | 6,011 |
| Return on Equity (ROE) | -3.8182% | 5,955 |
| Retained earnings to average equity (ytd only) | -3.8182% | 5,538 |
| Net charge-offs to loans | -0.0379% | 5,183 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5674% | 255 |
| Assets per employee ($millions) | 2.4194% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 1,741 |
| Loan loss allowance to noncurrent loans | 93.7420% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6440% | 1,197 |
| Noncurrent loans to loans | 1.6669% | 1,356 |
| Net loans and leases to total assets | 78.0054% | 1,101 |
| Net loans and leases to deposits | 91.8871% | 1,361 |
| Net loans and leases to core deposits | 107.8499% | 976 |
| Total domestic deposits to total assets | 84.8927% | 3,165 |
| Equity capital to assets | 13.1411% | 1,345 |
| Core capital (leverage) ratio | 10.6580% | 2,788 |
| Tier 1 risk-based capital ratio | 12.8279% | 4,376 |
| Total risk-based capital ratio | 14.0954% | 4,270 |
| Memoranda: | ||
| Average total assets | $120,339,500 | 4,065 |
| Average earning assets | $107,846,500 | 4,129 |
| Average equity | $15,609,500 | 3,796 |
| Average total loans | $95,023,500 | 3,512 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 909 |
| Cost of funding earning assets | 0.5117% | 2,056 |
| Net interest margin | 4.2976% | 966 |
| Noninterest income to average assets | 1.9661% | 368 |
| Noninterest expense to average assets | 5.0488% | 271 |
| Loan and lease loss provision to assets | 0.2705% | 680 |
| Net operating income to assets | 1.6255% | 668 |
| Return on assets (ROA) | 1.6255% | 686 |
| Pretax return on assets | 0.5089% | 5,089 |
| Return on Equity (ROE) | 13.4743% | 954 |
| Retained earnings to average equity (ytd only) | 13.4743% | 186 |
| Net charge-offs to loans | 0.3803% | 758 |
| Credit loss provision to net charge-offs | 88.8889% | 2,777 |
| Earnings coverage of net charge-offs (x) | 2.5611% | 3,876 |
| Efficiency ratio | 86.6280% | 947 |
| Assets per employee ($millions) | 2.4924% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,999 |
| Loan loss allowance to noncurrent loans | 106.6551% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 1,695 |
| Noncurrent loans to loans | 1.2039% | 1,962 |
| Net loans and leases to total assets | 77.6798% | 1,168 |
| Net loans and leases to deposits | 90.3075% | 1,580 |
| Net loans and leases to core deposits | 101.3839% | 1,412 |
| Total domestic deposits to total assets | 86.0170% | 2,633 |
| Equity capital to assets | 12.8063% | 1,459 |
| Core capital (leverage) ratio | 10.5668% | 2,863 |
| Tier 1 risk-based capital ratio | 12.5235% | 4,616 |
| Total risk-based capital ratio | 13.7773% | 4,516 |
| Memoranda: | ||
| Average total assets | $118,304,200 | 4,093 |
| Average earning assets | $106,315,400 | 4,134 |
| Average equity | $14,271,600 | 3,936 |
| Average total loans | $94,654,000 | 3,487 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7781% | 970 |
| Cost of funding earning assets | 0.5080% | 2,142 |
| Net interest margin | 4.2701% | 1,018 |
| Noninterest income to average assets | 2.2440% | 305 |
| Noninterest expense to average assets | 5.1185% | 260 |
| Loan and lease loss provision to assets | 0.3636% | 360 |
| Net operating income to assets | 1.6338% | 713 |
| Return on assets (ROA) | 1.6338% | 738 |
| Pretax return on assets | 0.6010% | 4,967 |
| Return on Equity (ROE) | 13.7642% | 951 |
| Retained earnings to average equity (ytd only) | 13.7642% | 223 |
| Net charge-offs to loans | 0.0127% | 3,730 |
| Credit loss provision to net charge-offs | 3,555.5556% | 106 |
| Earnings coverage of net charge-offs (x) | 94.3308% | 655 |
| Efficiency ratio | 84.1427% | 1,155 |
| Assets per employee ($millions) | 2.7287% | 5,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 1,670 |
| Loan loss allowance to noncurrent loans | 88.2026% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 1,594 |
| Noncurrent loans to loans | 1.8495% | 1,264 |
| Net loans and leases to total assets | 76.1450% | 1,367 |
| Net loans and leases to deposits | 87.7305% | 1,938 |
| Net loans and leases to core deposits | 96.5444% | 1,837 |
| Total domestic deposits to total assets | 86.7942% | 2,141 |
| Equity capital to assets | 12.0769% | 2,049 |
| Core capital (leverage) ratio | 10.1906% | 3,385 |
| Tier 1 risk-based capital ratio | 12.1049% | 5,020 |
| Total risk-based capital ratio | 13.3786% | 4,915 |
| Memoranda: | ||
| Average total assets | $117,348,500 | 4,157 |
| Average earning assets | $105,507,250 | 4,193 |
| Average equity | $13,929,500 | 4,036 |
| Average total loans | $94,292,000 | 3,523 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7630% | 962 |
| Cost of funding earning assets | 0.5029% | 2,221 |
| Net interest margin | 4.2601% | 996 |
| Noninterest income to average assets | 2.2281% | 314 |
| Noninterest expense to average assets | 5.1001% | 270 |
| Loan and lease loss provision to assets | 0.2966% | 524 |
| Net operating income to assets | 1.7169% | 610 |
| Return on assets (ROA) | 1.7169% | 635 |
| Pretax return on assets | 0.6595% | 4,792 |
| Return on Equity (ROE) | 14.5566% | 809 |
| Retained earnings to average equity (ytd only) | 14.5566% | 210 |
| Net charge-offs to loans | -0.0086% | 4,883 |
| Credit loss provision to net charge-offs | -4,250.0000% | 5,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2120% | 1,238 |
| Assets per employee ($millions) | 2.7438% | 5,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 2,488 |
| Loan loss allowance to noncurrent loans | 51.2204% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 2.2896% | 887 |
| Noncurrent loans to loans | 2.8392% | 725 |
| Net loans and leases to total assets | 79.4705% | 872 |
| Net loans and leases to deposits | 91.4525% | 1,432 |
| Net loans and leases to core deposits | 98.9083% | 1,575 |
| Total domestic deposits to total assets | 86.8981% | 2,220 |
| Equity capital to assets | 11.8983% | 2,107 |
| Core capital (leverage) ratio | 10.4139% | 3,069 |
| Tier 1 risk-based capital ratio | 11.9468% | 5,183 |
| Total risk-based capital ratio | 13.2165% | 5,076 |
| Memoranda: | ||
| Average total assets | $114,624,330 | 4,241 |
| Average earning assets | $103,001,670 | 4,298 |
| Average equity | $13,519,670 | 4,119 |
| Average total loans | $93,335,000 | 3,568 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8768% | 737 |
| Cost of funding earning assets | 0.4865% | 2,411 |
| Net interest margin | 4.3904% | 750 |
| Noninterest income to average assets | 1.8439% | 398 |
| Noninterest expense to average assets | 4.9546% | 303 |
| Loan and lease loss provision to assets | 0.1815% | 1,053 |
| Net operating income to assets | 1.7386% | 540 |
| Return on assets (ROA) | 1.7386% | 573 |
| Pretax return on assets | 0.6388% | 4,800 |
| Return on Equity (ROE) | 14.8137% | 740 |
| Retained earnings to average equity (ytd only) | 14.8137% | 301 |
| Net charge-offs to loans | 0.0044% | 3,171 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 226.0000% | 247 |
| Efficiency ratio | 85.7951% | 1,199 |
| Assets per employee ($millions) | 2.5787% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4397% | 2,741 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 4,859 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 81.6841% | 495 |
| Net loans and leases to deposits | 94.3076% | 950 |
| Net loans and leases to core deposits | 102.6788% | 1,134 |
| Total domestic deposits to total assets | 86.6146% | 2,593 |
| Equity capital to assets | 12.1147% | 1,950 |
| Core capital (leverage) ratio | 10.3234% | 3,193 |
| Tier 1 risk-based capital ratio | 11.6900% | 5,440 |
| Total risk-based capital ratio | 12.9419% | 5,343 |
| Memoranda: | ||
| Average total assets | $110,201,000 | 4,363 |
| Average earning assets | $98,670,500 | 4,441 |
| Average equity | $12,934,000 | 4,248 |
| Average total loans | $90,217,000 | 3,641 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 735 |
| Cost of funding earning assets | 0.5767% | 1,988 |
| Net interest margin | 4.4473% | 819 |
| Noninterest income to average assets | 2.4310% | 246 |
| Noninterest expense to average assets | 5.4641% | 236 |
| Loan and lease loss provision to assets | 0.2910% | 717 |
| Net operating income to assets | 1.7220% | 557 |
| Return on assets (ROA) | 1.7220% | 568 |
| Pretax return on assets | 0.6320% | 4,835 |
| Return on Equity (ROE) | 15.9622% | 627 |
| Retained earnings to average equity (ytd only) | 15.9622% | 125 |
| Net charge-offs to loans | 0.1849% | 2,192 |
| Credit loss provision to net charge-offs | 192.7152% | 1,283 |
| Earnings coverage of net charge-offs (x) | 6.1126% | 3,272 |
| Efficiency ratio | 85.5488% | 1,223 |
| Assets per employee ($millions) | 2.6712% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 2,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 4,930 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 79.6786% | 778 |
| Net loans and leases to deposits | 91.1935% | 1,379 |
| Net loans and leases to core deposits | 100.6656% | 1,346 |
| Total domestic deposits to total assets | 87.3731% | 2,096 |
| Equity capital to assets | 11.3541% | 2,556 |
| Core capital (leverage) ratio | 10.5350% | 2,908 |
| Tier 1 risk-based capital ratio | 11.9366% | 5,405 |
| Total risk-based capital ratio | 13.1887% | 5,307 |
| Memoranda: | ||
| Average total assets | $99,998,400 | 4,602 |
| Average earning assets | $88,953,000 | 4,678 |
| Average equity | $10,788,000 | 4,599 |
| Average total loans | $81,672,000 | 3,828 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 723 |
| Cost of funding earning assets | 0.6012% | 1,816 |
| Net interest margin | 4.4345% | 842 |
| Noninterest income to average assets | 2.5446% | 236 |
| Noninterest expense to average assets | 5.7256% | 204 |
| Loan and lease loss provision to assets | 0.2404% | 913 |
| Net operating income to assets | 1.5625% | 824 |
| Return on assets (ROA) | 1.5625% | 860 |
| Pretax return on assets | 0.5177% | 5,271 |
| Return on Equity (ROE) | 14.6999% | 878 |
| Retained earnings to average equity (ytd only) | 14.6999% | 220 |
| Net charge-offs to loans | 0.2568% | 1,509 |
| Credit loss provision to net charge-offs | 114.2857% | 1,987 |
| Earnings coverage of net charge-offs (x) | 3.6039% | 3,629 |
| Efficiency ratio | 88.3084% | 975 |
| Assets per employee ($millions) | 2.4518% | 6,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3766% | 3,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4486% | 4,555 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 80.4284% | 670 |
| Net loans and leases to deposits | 92.1196% | 1,214 |
| Net loans and leases to core deposits | 103.0804% | 1,148 |
| Total domestic deposits to total assets | 87.3087% | 2,149 |
| Equity capital to assets | 11.3046% | 2,654 |
| Core capital (leverage) ratio | 10.1399% | 3,486 |
| Tier 1 risk-based capital ratio | 11.9221% | 5,538 |
| Total risk-based capital ratio | 13.1734% | 5,459 |
| Memoranda: | ||
| Average total assets | $97,618,000 | 4,703 |
| Average earning assets | $86,712,000 | 4,777 |
| Average equity | $10,376,250 | 4,712 |
| Average total loans | $79,955,500 | 3,902 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 793 |
| Cost of funding earning assets | 0.6174% | 1,756 |
| Net interest margin | 4.3549% | 933 |
| Noninterest income to average assets | 2.1433% | 315 |
| Noninterest expense to average assets | 5.5493% | 227 |
| Loan and lease loss provision to assets | 0.1795% | 1,369 |
| Net operating income to assets | 1.3357% | 1,219 |
| Return on assets (ROA) | 1.3357% | 1,263 |
| Pretax return on assets | 0.2713% | 5,836 |
| Return on Equity (ROE) | 12.8583% | 1,214 |
| Retained earnings to average equity (ytd only) | 12.8583% | 347 |
| Net charge-offs to loans | 0.4045% | 1,007 |
| Credit loss provision to net charge-offs | 54.0881% | 2,732 |
| Earnings coverage of net charge-offs (x) | 1.3585% | 3,829 |
| Efficiency ratio | 92.4870% | 734 |
| Assets per employee ($millions) | 2.3469% | 6,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 3,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5242% | 4,430 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 81.0519% | 567 |
| Net loans and leases to deposits | 92.0908% | 1,140 |
| Net loans and leases to core deposits | 105.3923% | 935 |
| Total domestic deposits to total assets | 88.0130% | 1,893 |
| Equity capital to assets | 10.5848% | 3,332 |
| Core capital (leverage) ratio | 10.0359% | 3,562 |
| Tier 1 risk-based capital ratio | 11.4920% | 5,807 |
| Total risk-based capital ratio | 12.7427% | 5,758 |
| Memoranda: | ||
| Average total assets | $95,832,000 | 4,774 |
| Average earning assets | $84,869,670 | 4,851 |
| Average equity | $9,954,670 | 4,816 |
| Average total loans | $78,614,670 | 3,953 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8520% | 942 |
| Cost of funding earning assets | 0.6047% | 1,936 |
| Net interest margin | 4.2473% | 1,107 |
| Noninterest income to average assets | 1.4578% | 552 |
| Noninterest expense to average assets | 5.5140% | 238 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8447% | 2,930 |
| Return on assets (ROA) | 0.8447% | 3,006 |
| Pretax return on assets | -0.2916% | 6,391 |
| Return on Equity (ROE) | 8.2160% | 2,833 |
| Retained earnings to average equity (ytd only) | 8.2160% | 1,528 |
| Net charge-offs to loans | 0.7896% | 440 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -0.4503% | 3,472 |
| Efficiency ratio | 105.5829% | 343 |
| Assets per employee ($millions) | 2.4541% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2534% | 4,361 |
| Loan loss allowance to noncurrent loans | 113.1185% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.5192% | 2,328 |
| Noncurrent loans to loans | 1.1081% | 3,207 |
| Net loans and leases to total assets | 80.9132% | 465 |
| Net loans and leases to deposits | 91.4806% | 995 |
| Net loans and leases to core deposits | 106.0951% | 753 |
| Total domestic deposits to total assets | 88.4484% | 1,962 |
| Equity capital to assets | 10.1275% | 3,685 |
| Core capital (leverage) ratio | 9.8495% | 3,787 |
| Tier 1 risk-based capital ratio | 11.2978% | 6,019 |
| Total risk-based capital ratio | 12.5474% | 5,967 |
| Memoranda: | ||
| Average total assets | $93,289,000 | 4,891 |
| Average earning assets | $82,688,000 | 4,951 |
| Average equity | $9,591,000 | 4,912 |
| Average total loans | $76,493,500 | 4,048 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 1,205 |
| Cost of funding earning assets | 0.7458% | 1,524 |
| Net interest margin | 4.1015% | 1,633 |
| Noninterest income to average assets | 3.1422% | 217 |
| Noninterest expense to average assets | 5.9199% | 212 |
| Loan and lease loss provision to assets | 0.4685% | 603 |
| Net operating income to assets | 1.3894% | 1,042 |
| Return on assets (ROA) | 1.3894% | 1,080 |
| Pretax return on assets | 0.5302% | 5,102 |
| Return on Equity (ROE) | 17.5216% | 453 |
| Retained earnings to average equity (ytd only) | 17.5216% | 114 |
| Net charge-offs to loans | 0.5414% | 1,222 |
| Credit loss provision to net charge-offs | 105.1282% | 2,297 |
| Earnings coverage of net charge-offs (x) | 2.2410% | 4,270 |
| Efficiency ratio | 85.5656% | 1,460 |
| Assets per employee ($millions) | 2.5241% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5209% | 3,095 |
| Loan loss allowance to noncurrent loans | 130.4948% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 1.6276% | 2,276 |
| Noncurrent loans to loans | 1.1655% | 3,211 |
| Net loans and leases to total assets | 80.8073% | 518 |
| Net loans and leases to deposits | 91.9252% | 1,059 |
| Net loans and leases to core deposits | 103.5159% | 942 |
| Total domestic deposits to total assets | 87.9055% | 2,231 |
| Equity capital to assets | 10.4426% | 3,233 |
| Core capital (leverage) ratio | 10.1876% | 3,311 |
| Tier 1 risk-based capital ratio | 11.8808% | 5,690 |
| Total risk-based capital ratio | 13.1339% | 5,627 |
| Memoranda: | ||
| Average total assets | $87,517,800 | 5,036 |
| Average earning assets | $80,579,400 | 5,024 |
| Average equity | $6,940,000 | 5,581 |
| Average total loans | $72,037,600 | 4,193 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 1,424 |
| Cost of funding earning assets | 0.7682% | 1,491 |
| Net interest margin | 3.9981% | 1,952 |
| Noninterest income to average assets | 3.4040% | 204 |
| Noninterest expense to average assets | 5.9297% | 210 |
| Loan and lease loss provision to assets | 0.6307% | 370 |
| Net operating income to assets | 0.5584% | 4,537 |
| Return on assets (ROA) | 0.5584% | 4,691 |
| Pretax return on assets | 0.5584% | 5,175 |
| Return on Equity (ROE) | 7.6790% | 3,295 |
| Retained earnings to average equity (ytd only) | 7.6790% | 1,558 |
| Net charge-offs to loans | 0.6666% | 905 |
| Credit loss provision to net charge-offs | 114.8459% | 2,049 |
| Earnings coverage of net charge-offs (x) | 2.1653% | 4,116 |
| Efficiency ratio | 83.2973% | 1,675 |
| Assets per employee ($millions) | 2.6821% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 2,978 |
| Loan loss allowance to noncurrent loans | 92.5456% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 2,387 |
| Noncurrent loans to loans | 1.7353% | 2,592 |
| Net loans and leases to total assets | 78.4082% | 706 |
| Net loans and leases to deposits | 87.4353% | 1,435 |
| Net loans and leases to core deposits | 93.2424% | 1,648 |
| Total domestic deposits to total assets | 89.6756% | 1,182 |
| Equity capital to assets | 7.7770% | 6,268 |
| Core capital (leverage) ratio | 8.0764% | 6,172 |
| Tier 1 risk-based capital ratio | 9.8015% | 6,637 |
| Total risk-based capital ratio | 11.0567% | 6,619 |
| Memoranda: | ||
| Average total assets | $86,680,250 | 5,106 |
| Average earning assets | $80,536,750 | 5,075 |
| Average equity | $6,302,750 | 5,814 |
| Average total loans | $71,406,500 | 4,248 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 1,642 |
| Cost of funding earning assets | 0.7935% | 1,449 |
| Net interest margin | 3.8794% | 2,277 |
| Noninterest income to average assets | 3.2732% | 225 |
| Noninterest expense to average assets | 5.9007% | 216 |
| Loan and lease loss provision to assets | 0.5166% | 515 |
| Net operating income to assets | 0.4837% | 4,870 |
| Return on assets (ROA) | 0.4837% | 5,041 |
| Pretax return on assets | 0.4837% | 5,422 |
| Return on Equity (ROE) | 6.8216% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.8216% | 1,971 |
| Net charge-offs to loans | 0.9523% | 647 |
| Credit loss provision to net charge-offs | 65.0888% | 2,927 |
| Earnings coverage of net charge-offs (x) | 1.2604% | 4,125 |
| Efficiency ratio | 85.5053% | 1,462 |
| Assets per employee ($millions) | 2.7290% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3724% | 4,158 |
| Loan loss allowance to noncurrent loans | 90.2174% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.9581% | 2,210 |
| Noncurrent loans to loans | 1.5212% | 3,018 |
| Net loans and leases to total assets | 81.9657% | 358 |
| Net loans and leases to deposits | 94.0579% | 807 |
| Net loans and leases to core deposits | 100.9449% | 1,014 |
| Total domestic deposits to total assets | 87.1439% | 2,736 |
| Equity capital to assets | 7.7134% | 6,357 |
| Core capital (leverage) ratio | 8.0718% | 6,129 |
| Tier 1 risk-based capital ratio | 9.5098% | 6,716 |
| Total risk-based capital ratio | 10.7612% | 6,701 |
| Memoranda: | ||
| Average total assets | $85,176,330 | 5,183 |
| Average earning assets | $79,651,000 | 5,128 |
| Average equity | $6,039,670 | 5,921 |
| Average total loans | $70,985,670 | 4,277 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6680% | 1,624 |
| Cost of funding earning assets | 0.7939% | 1,564 |
| Net interest margin | 3.8741% | 2,203 |
| Noninterest income to average assets | 3.4483% | 211 |
| Noninterest expense to average assets | 5.9928% | 209 |
| Loan and lease loss provision to assets | 0.6183% | 406 |
| Net operating income to assets | 0.5042% | 4,635 |
| Return on assets (ROA) | 0.5042% | 4,783 |
| Pretax return on assets | 0.5042% | 5,240 |
| Return on Equity (ROE) | 7.4497% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.4497% | 1,962 |
| Net charge-offs to loans | 1.7666% | 280 |
| Credit loss provision to net charge-offs | 41.9355% | 2,721 |
| Earnings coverage of net charge-offs (x) | 0.7613% | 3,579 |
| Efficiency ratio | 84.2246% | 1,734 |
| Assets per employee ($millions) | 2.8434% | 6,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,380 |
| Loan loss allowance to noncurrent loans | 132.8592% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 2,834 |
| Noncurrent loans to loans | 1.0309% | 4,076 |
| Net loans and leases to total assets | 81.5680% | 303 |
| Net loans and leases to deposits | 91.2707% | 866 |
| Net loans and leases to core deposits | 98.7042% | 1,033 |
| Total domestic deposits to total assets | 89.3694% | 1,442 |
| Equity capital to assets | 7.7395% | 6,505 |
| Core capital (leverage) ratio | 7.6700% | 6,373 |
| Tier 1 risk-based capital ratio | 9.2819% | 6,783 |
| Total risk-based capital ratio | 10.5331% | 6,781 |
| Memoranda: | ||
| Average total assets | $84,100,500 | 5,264 |
| Average earning assets | $79,606,500 | 5,167 |
| Average equity | $5,691,500 | 6,050 |
| Average total loans | $70,191,000 | 4,339 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 1,535 |
| Cost of funding earning assets | 1.0658% | 1,051 |
| Net interest margin | 3.9437% | 2,630 |
| Noninterest income to average assets | 2.6283% | 294 |
| Noninterest expense to average assets | 5.1759% | 337 |
| Loan and lease loss provision to assets | 0.8496% | 553 |
| Net operating income to assets | 0.3250% | 5,381 |
| Return on assets (ROA) | 0.3250% | 5,594 |
| Pretax return on assets | 0.3250% | 5,777 |
| Return on Equity (ROE) | 5.4527% | 4,451 |
| Retained earnings to average equity (ytd only) | 5.4527% | 2,413 |
| Net charge-offs to loans | 0.9099% | 1,250 |
| Credit loss provision to net charge-offs | 109.9518% | 2,659 |
| Earnings coverage of net charge-offs (x) | 1.5201% | 4,683 |
| Efficiency ratio | 81.5039% | 1,943 |
| Assets per employee ($millions) | 3.0622% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,556 |
| Loan loss allowance to noncurrent loans | 110.0791% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 2.1448% | 2,277 |
| Noncurrent loans to loans | 1.4019% | 3,497 |
| Net loans and leases to total assets | 82.8927% | 277 |
| Net loans and leases to deposits | 90.7261% | 1,003 |
| Net loans and leases to core deposits | 98.9751% | 1,083 |
| Total domestic deposits to total assets | 91.3659% | 378 |
| Equity capital to assets | 5.8327% | 6,900 |
| Core capital (leverage) ratio | 5.9973% | 6,858 |
| Tier 1 risk-based capital ratio | 7.4718% | 6,932 |
| Total risk-based capital ratio | 8.7281% | 6,932 |
| Memoranda: | ||
| Average total assets | $80,623,000 | 5,339 |
| Average earning assets | $76,095,600 | 5,242 |
| Average equity | $4,805,000 | 6,350 |
| Average total loans | $68,470,000 | 4,405 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 1,485 |
| Cost of funding earning assets | 1.1344% | 928 |
| Net interest margin | 3.9409% | 2,748 |
| Noninterest income to average assets | 2.6551% | 293 |
| Noninterest expense to average assets | 5.2496% | 312 |
| Loan and lease loss provision to assets | 0.8822% | 506 |
| Net operating income to assets | 0.2420% | 5,804 |
| Return on assets (ROA) | 0.2420% | 5,993 |
| Pretax return on assets | 0.2420% | 6,061 |
| Return on Equity (ROE) | 4.0370% | 5,277 |
| Retained earnings to average equity (ytd only) | 4.0370% | 4,049 |
| Net charge-offs to loans | 0.9258% | 1,170 |
| Credit loss provision to net charge-offs | 111.9403% | 2,615 |
| Earnings coverage of net charge-offs (x) | 1.4264% | 4,574 |
| Efficiency ratio | 82.3622% | 1,770 |
| Assets per employee ($millions) | 3.0764% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6038% | 3,501 |
| Loan loss allowance to noncurrent loans | 80.9350% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 2.6799% | 1,963 |
| Noncurrent loans to loans | 1.9816% | 2,862 |
| Net loans and leases to total assets | 81.8369% | 351 |
| Net loans and leases to deposits | 89.7031% | 1,183 |
| Net loans and leases to core deposits | 98.1873% | 1,251 |
| Total domestic deposits to total assets | 91.2309% | 348 |
| Equity capital to assets | 5.8413% | 6,997 |
| Core capital (leverage) ratio | 5.8219% | 6,960 |
| Tier 1 risk-based capital ratio | 7.5544% | 7,018 |
| Total risk-based capital ratio | 8.8104% | 7,020 |
| Memoranda: | ||
| Average total assets | $79,343,500 | 5,425 |
| Average earning assets | $74,870,500 | 5,329 |
| Average equity | $4,756,000 | 6,443 |
| Average total loans | $67,540,750 | 4,484 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0577% | 1,640 |
| Cost of funding earning assets | 1.2169% | 762 |
| Net interest margin | 3.8408% | 3,174 |
| Noninterest income to average assets | 2.0486% | 389 |
| Noninterest expense to average assets | 4.9294% | 397 |
| Loan and lease loss provision to assets | 0.6402% | 898 |
| Net operating income to assets | 0.0999% | 6,157 |
| Return on assets (ROA) | 0.0999% | 6,310 |
| Pretax return on assets | 0.0999% | 6,328 |
| Return on Equity (ROE) | 1.6511% | 6,151 |
| Retained earnings to average equity (ytd only) | 1.6511% | 5,375 |
| Net charge-offs to loans | 1.5158% | 657 |
| Credit loss provision to net charge-offs | 49.2126% | 4,057 |
| Earnings coverage of net charge-offs (x) | 0.5689% | 4,784 |
| Efficiency ratio | 86.9467% | 1,343 |
| Assets per employee ($millions) | 3.1013% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 5,694 |
| Loan loss allowance to noncurrent loans | 67.1743% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.5498% | 2,193 |
| Noncurrent loans to loans | 1.6686% | 3,395 |
| Net loans and leases to total assets | 86.8630% | 109 |
| Net loans and leases to deposits | 95.3251% | 668 |
| Net loans and leases to core deposits | 104.6137% | 818 |
| Total domestic deposits to total assets | 91.1230% | 412 |
| Equity capital to assets | 5.8808% | 7,037 |
| Core capital (leverage) ratio | 5.9293% | 6,998 |
| Tier 1 risk-based capital ratio | 7.1456% | 7,088 |
| Total risk-based capital ratio | 8.3768% | 7,087 |
| Memoranda: | ||
| Average total assets | $78,103,330 | 5,494 |
| Average earning assets | $73,630,000 | 5,410 |
| Average equity | $4,724,000 | 6,476 |
| Average total loans | $67,026,000 | 4,526 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 1,432 |
| Cost of funding earning assets | 1.2928% | 650 |
| Net interest margin | 3.8563% | 3,109 |
| Noninterest income to average assets | 1.4680% | 673 |
| Noninterest expense to average assets | 4.3833% | 604 |
| Loan and lease loss provision to assets | 0.5987% | 960 |
| Net operating income to assets | 0.1197% | 6,193 |
| Return on assets (ROA) | 0.1197% | 6,323 |
| Pretax return on assets | 0.1197% | 6,350 |
| Return on Equity (ROE) | 1.9512% | 6,088 |
| Retained earnings to average equity (ytd only) | 1.9512% | 5,283 |
| Net charge-offs to loans | 1.7997% | 527 |
| Credit loss provision to net charge-offs | 39.2491% | 3,461 |
| Earnings coverage of net charge-offs (x) | 0.4710% | 4,106 |
| Efficiency ratio | 85.9184% | 1,493 |
| Assets per employee ($millions) | 3.3269% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,920 |
| Loan loss allowance to noncurrent loans | 47.0652% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 3.5860% | 1,591 |
| Noncurrent loans to loans | 2.8090% | 2,294 |
| Net loans and leases to total assets | 85.2533% | 144 |
| Net loans and leases to deposits | 93.9959% | 664 |
| Net loans and leases to core deposits | 103.7122% | 782 |
| Total domestic deposits to total assets | 90.6990% | 688 |
| Equity capital to assets | 6.1815% | 7,056 |
| Core capital (leverage) ratio | 6.1094% | 7,025 |
| Tier 1 risk-based capital ratio | 7.2666% | 7,116 |
| Total risk-based capital ratio | 8.5186% | 7,117 |
| Memoranda: | ||
| Average total assets | $76,837,500 | 5,569 |
| Average earning assets | $72,400,500 | 5,483 |
| Average equity | $4,715,000 | 6,508 |
| Average total loans | $65,121,000 | 4,615 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7642% | 3,963 |
| Cost of funding earning assets | 1.6701% | 364 |
| Net interest margin | 3.0941% | 6,359 |
| Noninterest income to average assets | 1.4081% | 654 |
| Noninterest expense to average assets | 4.2073% | 801 |
| Loan and lease loss provision to assets | 0.3244% | 3,091 |
| Net operating income to assets | -0.1856% | 6,243 |
| Return on assets (ROA) | -0.1856% | 6,315 |
| Pretax return on assets | -0.1856% | 6,275 |
| Return on Equity (ROE) | -3.0588% | 6,413 |
| Retained earnings to average equity (ytd only) | -3.0588% | 6,279 |
| Net charge-offs to loans | 0.3843% | 3,489 |
| Credit loss provision to net charge-offs | 112.1076% | 2,947 |
| Earnings coverage of net charge-offs (x) | 0.4798% | 5,468 |
| Efficiency ratio | 96.8050% | 781 |
| Assets per employee ($millions) | 3.8578% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 3,416 |
| Loan loss allowance to noncurrent loans | 100.3817% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 2.5079% | 2,422 |
| Noncurrent loans to loans | 1.6341% | 3,714 |
| Net loans and leases to total assets | 81.7577% | 356 |
| Net loans and leases to deposits | 91.2696% | 1,029 |
| Net loans and leases to core deposits | 100.2543% | 1,154 |
| Total domestic deposits to total assets | 89.5783% | 1,216 |
| Equity capital to assets | 6.0916% | 7,087 |
| Core capital (leverage) ratio | 6.2514% | 7,019 |
| Tier 1 risk-based capital ratio | 7.3260% | 7,141 |
| Total risk-based capital ratio | 8.5806% | 7,142 |
| Memoranda: | ||
| Average total assets | $77,056,400 | 5,535 |
| Average earning assets | $73,170,600 | 5,435 |
| Average equity | $4,675,000 | 6,539 |
| Average total loans | $58,034,600 | 4,949 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 4,419 |
| Cost of funding earning assets | 1.7356% | 343 |
| Net interest margin | 2.9727% | 6,629 |
| Noninterest income to average assets | 1.2324% | 859 |
| Noninterest expense to average assets | 4.0502% | 948 |
| Loan and lease loss provision to assets | 0.3808% | 2,576 |
| Net operating income to assets | -0.3704% | 6,563 |
| Return on assets (ROA) | -0.3704% | 6,611 |
| Pretax return on assets | -0.3704% | 6,543 |
| Return on Equity (ROE) | -6.1115% | 6,724 |
| Retained earnings to average equity (ytd only) | -6.1115% | 6,650 |
| Net charge-offs to loans | 0.4058% | 3,101 |
| Credit loss provision to net charge-offs | 127.9070% | 2,499 |
| Earnings coverage of net charge-offs (x) | 0.0349% | 5,575 |
| Efficiency ratio | 99.7442% | 666 |
| Assets per employee ($millions) | 3.4731% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7620% | 3,063 |
| Loan loss allowance to noncurrent loans | 128.8115% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 1.9487% | 3,205 |
| Noncurrent loans to loans | 1.3679% | 4,246 |
| Net loans and leases to total assets | 78.2928% | 684 |
| Net loans and leases to deposits | 87.4169% | 1,506 |
| Net loans and leases to core deposits | 99.4530% | 1,301 |
| Total domestic deposits to total assets | 89.5626% | 1,111 |
| Equity capital to assets | 6.0583% | 7,179 |
| Core capital (leverage) ratio | 5.8909% | 7,152 |
| Tier 1 risk-based capital ratio | 7.6316% | 7,212 |
| Total risk-based capital ratio | 8.8876% | 7,216 |
| Memoranda: | ||
| Average total assets | $77,031,500 | 5,576 |
| Average earning assets | $73,286,750 | 5,471 |
| Average equity | $4,668,750 | 6,596 |
| Average total loans | $56,510,000 | 5,055 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 5,387 |
| Cost of funding earning assets | 1.7497% | 387 |
| Net interest margin | 2.7402% | 6,984 |
| Noninterest income to average assets | 1.2869% | 761 |
| Noninterest expense to average assets | 4.0472% | 979 |
| Loan and lease loss provision to assets | 0.5438% | 1,787 |
| Net operating income to assets | -0.6965% | 6,813 |
| Return on assets (ROA) | -0.6965% | 6,822 |
| Pretax return on assets | -0.6965% | 6,765 |
| Return on Equity (ROE) | -11.4908% | 6,982 |
| Retained earnings to average equity (ytd only) | -11.4908% | 6,930 |
| Net charge-offs to loans | 0.6721% | 2,155 |
| Credit loss provision to net charge-offs | 113.5135% | 2,697 |
| Earnings coverage of net charge-offs (x) | -0.3189% | 5,461 |
| Efficiency ratio | 103.9229% | 618 |
| Assets per employee ($millions) | 3.8407% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8076% | 2,965 |
| Loan loss allowance to noncurrent loans | 123.9669% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 2.3772% | 2,775 |
| Noncurrent loans to loans | 1.4582% | 4,239 |
| Net loans and leases to total assets | 74.2534% | 1,365 |
| Net loans and leases to deposits | 82.7955% | 2,317 |
| Net loans and leases to core deposits | 96.2195% | 1,659 |
| Total domestic deposits to total assets | 89.6829% | 1,129 |
| Equity capital to assets | 5.9416% | 7,249 |
| Core capital (leverage) ratio | 5.9718% | 7,197 |
| Tier 1 risk-based capital ratio | 7.7541% | 7,260 |
| Total risk-based capital ratio | 9.0106% | 7,266 |
| Memoranda: | ||
| Average total assets | $77,239,330 | 5,614 |
| Average earning assets | $73,498,670 | 5,509 |
| Average equity | $4,682,000 | 6,631 |
| Average total loans | $55,048,330 | 5,170 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 6,402 |
| Cost of funding earning assets | 1.7463% | 454 |
| Net interest margin | 2.4005% | 7,259 |
| Noninterest income to average assets | 1.5132% | 569 |
| Noninterest expense to average assets | 4.1058% | 914 |
| Loan and lease loss provision to assets | 0.4390% | 2,013 |
| Net operating income to assets | -0.7385% | 6,932 |
| Return on assets (ROA) | -0.7385% | 6,938 |
| Pretax return on assets | -0.7385% | 6,887 |
| Return on Equity (ROE) | -12.0650% | 7,075 |
| Retained earnings to average equity (ytd only) | -12.0650% | 6,942 |
| Net charge-offs to loans | -0.5156% | 7,415 |
| Credit loss provision to net charge-offs | -123.1884% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8697% | 542 |
| Assets per employee ($millions) | 3.5227% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1843% | 2,000 |
| Loan loss allowance to noncurrent loans | 48.7795% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 4.2362% | 1,549 |
| Noncurrent loans to loans | 4.4779% | 1,564 |
| Net loans and leases to total assets | 68.1260% | 2,520 |
| Net loans and leases to deposits | 75.9800% | 3,421 |
| Net loans and leases to core deposits | 88.2598% | 2,565 |
| Total domestic deposits to total assets | 89.6631% | 1,383 |
| Equity capital to assets | 6.0285% | 7,285 |
| Core capital (leverage) ratio | 5.8068% | 7,280 |
| Tier 1 risk-based capital ratio | 8.4983% | 7,262 |
| Total risk-based capital ratio | 9.7588% | 7,264 |
| Memoranda: | ||
| Average total assets | $77,452,000 | 5,658 |
| Average earning assets | $73,985,000 | 5,536 |
| Average equity | $4,741,000 | 6,634 |
| Average total loans | $53,529,000 | 5,271 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7160% | 5,752 |
| Cost of funding earning assets | 1.9528% | 718 |
| Net interest margin | 2.7632% | 7,071 |
| Noninterest income to average assets | 0.8186% | 2,190 |
| Noninterest expense to average assets | 4.3857% | 734 |
| Loan and lease loss provision to assets | 1.9312% | 695 |
| Net operating income to assets | -2.8644% | 7,267 |
| Return on assets (ROA) | -2.4645% | 7,184 |
| Pretax return on assets | -2.4645% | 7,153 |
| Return on Equity (ROE) | -55.0576% | 7,451 |
| Retained earnings to average equity (ytd only) | -55.0576% | 7,448 |
| Net charge-offs to loans | 3.2437% | 481 |
| Credit loss provision to net charge-offs | 84.3308% | 5,374 |
| Earnings coverage of net charge-offs (x) | -0.4075% | 6,410 |
| Efficiency ratio | 127.0300% | 343 |
| Assets per employee ($millions) | 4.8378% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9310% | 2,469 |
| Loan loss allowance to noncurrent loans | 54.7835% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 3.7917% | 1,806 |
| Noncurrent loans to loans | 3.5247% | 2,140 |
| Net loans and leases to total assets | 67.2528% | 3,154 |
| Net loans and leases to deposits | 76.2394% | 3,802 |
| Net loans and leases to core deposits | 89.9178% | 2,779 |
| Total domestic deposits to total assets | 88.2126% | 2,114 |
| Equity capital to assets | 6.2141% | 7,311 |
| Core capital (leverage) ratio | 5.8774% | 7,315 |
| Tier 1 risk-based capital ratio | 8.9898% | 7,247 |
| Total risk-based capital ratio | 10.2476% | 7,251 |
| Memoranda: | ||
| Average total assets | $80,260,400 | 5,588 |
| Average earning assets | $76,505,400 | 5,465 |
| Average equity | $3,592,600 | 7,115 |
| Average total loans | $56,663,000 | 5,205 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7530% | 5,838 |
| Cost of funding earning assets | 1.9575% | 863 |
| Net interest margin | 2.7955% | 7,137 |
| Noninterest income to average assets | 0.8760% | 1,887 |
| Noninterest expense to average assets | 4.3420% | 712 |
| Loan and lease loss provision to assets | 1.8112% | 690 |
| Net operating income to assets | -2.6131% | 7,377 |
| Return on assets (ROA) | -2.6131% | 7,395 |
| Pretax return on assets | -2.6131% | 7,349 |
| Return on Equity (ROE) | -64.3488% | 7,617 |
| Retained earnings to average equity (ytd only) | -64.3488% | 7,616 |
| Net charge-offs to loans | 3.1040% | 480 |
| Credit loss provision to net charge-offs | 82.0896% | 5,068 |
| Earnings coverage of net charge-offs (x) | -0.3634% | 6,275 |
| Efficiency ratio | 122.6512% | 365 |
| Assets per employee ($millions) | 4.9878% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8654% | 2,587 |
| Loan loss allowance to noncurrent loans | 56.9835% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 3.6867% | 1,934 |
| Noncurrent loans to loans | 3.2736% | 2,420 |
| Net loans and leases to total assets | 66.5723% | 3,551 |
| Net loans and leases to deposits | 73.8143% | 4,549 |
| Net loans and leases to core deposits | 88.0542% | 3,363 |
| Total domestic deposits to total assets | 90.1889% | 781 |
| Equity capital to assets | 3.2055% | 7,686 |
| Core capital (leverage) ratio | 2.9066% | 7,683 |
| Tier 1 risk-based capital ratio | 4.1906% | 7,684 |
| Total risk-based capital ratio | 5.4475% | 7,689 |
| Memoranda: | ||
| Average total assets | $80,974,250 | 5,638 |
| Average earning assets | $77,170,500 | 5,508 |
| Average equity | $3,288,250 | 7,286 |
| Average total loans | $57,558,250 | 5,249 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 5,816 |
| Cost of funding earning assets | 2.0166% | 872 |
| Net interest margin | 2.7774% | 7,175 |
| Noninterest income to average assets | 0.7076% | 2,663 |
| Noninterest expense to average assets | 4.3713% | 667 |
| Loan and lease loss provision to assets | 2.5094% | 452 |
| Net operating income to assets | -3.5256% | 7,579 |
| Return on assets (ROA) | -3.5256% | 7,585 |
| Pretax return on assets | -3.5256% | 7,548 |
| Return on Equity (ROE) | -80.7859% | 7,702 |
| Retained earnings to average equity (ytd only) | -80.7859% | 7,700 |
| Net charge-offs to loans | 4.1618% | 299 |
| Credit loss provision to net charge-offs | 83.4725% | 4,610 |
| Earnings coverage of net charge-offs (x) | -0.3381% | 5,941 |
| Efficiency ratio | 130.2917% | 314 |
| Assets per employee ($millions) | 5.1252% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9095% | 2,386 |
| Loan loss allowance to noncurrent loans | 52.4706% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 3.4413% | 2,045 |
| Noncurrent loans to loans | 3.6393% | 2,170 |
| Net loans and leases to total assets | 69.8462% | 2,937 |
| Net loans and leases to deposits | 77.8228% | 4,007 |
| Net loans and leases to core deposits | 95.0387% | 2,584 |
| Total domestic deposits to total assets | 89.7504% | 1,049 |
| Equity capital to assets | 3.3987% | 7,731 |
| Core capital (leverage) ratio | 3.1461% | 7,732 |
| Tier 1 risk-based capital ratio | 4.3579% | 7,733 |
| Total risk-based capital ratio | 5.6158% | 7,736 |
| Memoranda: | ||
| Average total assets | $79,701,670 | 5,709 |
| Average earning assets | $75,970,330 | 5,579 |
| Average equity | $3,478,330 | 7,271 |
| Average total loans | $57,570,670 | 5,286 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 6,088 |
| Cost of funding earning assets | 2.0478% | 948 |
| Net interest margin | 2.6984% | 7,304 |
| Noninterest income to average assets | 0.7129% | 2,514 |
| Noninterest expense to average assets | 4.6085% | 512 |
| Loan and lease loss provision to assets | 1.2731% | 954 |
| Net operating income to assets | -2.5919% | 7,573 |
| Return on assets (ROA) | -2.5919% | 7,574 |
| Pretax return on assets | -2.5919% | 7,529 |
| Return on Equity (ROE) | -53.2427% | 7,720 |
| Retained earnings to average equity (ytd only) | -53.2427% | 7,710 |
| Net charge-offs to loans | 0.3009% | 3,212 |
| Credit loss provision to net charge-offs | 581.3953% | 748 |
| Earnings coverage of net charge-offs (x) | -6.0233% | 5,541 |
| Efficiency ratio | 140.0929% | 255 |
| Assets per employee ($millions) | 5.9304% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6703% | 1,106 |
| Loan loss allowance to noncurrent loans | 40.7288% | 5,644 |
| Noncurrent assets plus other real estate owned to assets | 5.4393% | 1,141 |
| Noncurrent loans to loans | 6.5563% | 950 |
| Net loans and leases to total assets | 66.7285% | 3,693 |
| Net loans and leases to deposits | 75.0135% | 4,576 |
| Net loans and leases to core deposits | 95.6262% | 2,624 |
| Total domestic deposits to total assets | 88.9553% | 1,540 |
| Equity capital to assets | 4.3300% | 7,770 |
| Core capital (leverage) ratio | 4.2962% | 7,754 |
| Tier 1 risk-based capital ratio | 6.0019% | 7,750 |
| Total risk-based capital ratio | 7.2697% | 7,753 |
| Memoranda: | ||
| Average total assets | $78,551,000 | 5,810 |
| Average earning assets | $75,007,000 | 5,669 |
| Average equity | $3,824,000 | 7,245 |
| Average total loans | $57,160,500 | 5,377 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5953% | 3,634 |
| Cost of funding earning assets | 2.2208% | 1,941 |
| Net interest margin | 3.3745% | 5,471 |
| Noninterest income to average assets | 0.5666% | 3,895 |
| Noninterest expense to average assets | 4.9328% | 546 |
| Loan and lease loss provision to assets | 2.6285% | 742 |
| Net operating income to assets | -3.8040% | 7,577 |
| Return on assets (ROA) | -3.3133% | 7,462 |
| Pretax return on assets | -3.3133% | 7,375 |
| Return on Equity (ROE) | -42.0247% | 7,599 |
| Retained earnings to average equity (ytd only) | -42.0247% | 7,587 |
| Net charge-offs to loans | 2.1831% | 1,099 |
| Credit loss provision to net charge-offs | 146.5798% | 3,229 |
| Earnings coverage of net charge-offs (x) | -0.6555% | 6,784 |
| Efficiency ratio | 131.2864% | 464 |
| Assets per employee ($millions) | 4.1153% | 3,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2875% | 1,502 |
| Loan loss allowance to noncurrent loans | 39.1940% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 5.6348% | 1,033 |
| Noncurrent loans to loans | 5.8363% | 1,079 |
| Net loans and leases to total assets | 75.7141% | 1,877 |
| Net loans and leases to deposits | 86.9025% | 2,752 |
| Net loans and leases to core deposits | 170.6194% | 231 |
| Total domestic deposits to total assets | 87.1254% | 2,426 |
| Equity capital to assets | 5.4714% | 7,740 |
| Core capital (leverage) ratio | 5.1380% | 7,751 |
| Tier 1 risk-based capital ratio | 6.7704% | 7,772 |
| Total risk-based capital ratio | 8.0323% | 7,774 |
| Memoranda: | ||
| Average total assets | $68,480,800 | 6,054 |
| Average earning assets | $64,750,600 | 5,967 |
| Average equity | $5,399,200 | 6,806 |
| Average total loans | $56,249,800 | 5,408 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6732% | 3,459 |
| Cost of funding earning assets | 2.1922% | 2,444 |
| Net interest margin | 3.4810% | 4,946 |
| Noninterest income to average assets | 0.5843% | 3,819 |
| Noninterest expense to average assets | 5.0941% | 457 |
| Loan and lease loss provision to assets | 2.3851% | 708 |
| Net operating income to assets | -3.6094% | 7,701 |
| Return on assets (ROA) | -2.9416% | 7,576 |
| Pretax return on assets | -2.9416% | 7,484 |
| Return on Equity (ROE) | -34.4032% | 7,689 |
| Retained earnings to average equity (ytd only) | -34.4032% | 7,682 |
| Net charge-offs to loans | 1.8202% | 1,108 |
| Credit loss provision to net charge-offs | 157.0681% | 3,035 |
| Earnings coverage of net charge-offs (x) | -0.8063% | 6,592 |
| Efficiency ratio | 131.6384% | 456 |
| Assets per employee ($millions) | 4.4874% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0132% | 1,771 |
| Loan loss allowance to noncurrent loans | 35.1974% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 5.4430% | 1,059 |
| Noncurrent loans to loans | 5.7199% | 1,075 |
| Net loans and leases to total assets | 79.7877% | 1,215 |
| Net loans and leases to deposits | 94.8774% | 1,737 |
| Net loans and leases to core deposits | 168.9553% | 278 |
| Total domestic deposits to total assets | 84.0957% | 3,681 |
| Equity capital to assets | 6.7175% | 7,702 |
| Core capital (leverage) ratio | 6.7034% | 7,582 |
| Tier 1 risk-based capital ratio | 7.7858% | 7,823 |
| Total risk-based capital ratio | 9.0438% | 7,831 |
| Memoranda: | ||
| Average total assets | $67,082,000 | 6,150 |
| Average earning assets | $63,313,500 | 6,064 |
| Average equity | $5,735,750 | 6,762 |
| Average total loans | $55,962,500 | 5,463 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9339% | 2,440 |
| Cost of funding earning assets | 2.2054% | 2,766 |
| Net interest margin | 3.7285% | 3,842 |
| Noninterest income to average assets | 0.8212% | 2,310 |
| Noninterest expense to average assets | 5.3732% | 407 |
| Loan and lease loss provision to assets | 2.3661% | 672 |
| Net operating income to assets | -3.3980% | 7,748 |
| Return on assets (ROA) | -2.3752% | 7,527 |
| Pretax return on assets | -2.3752% | 7,388 |
| Return on Equity (ROE) | -25.7616% | 7,638 |
| Retained earnings to average equity (ytd only) | -25.7616% | 7,604 |
| Net charge-offs to loans | 2.5613% | 668 |
| Credit loss provision to net charge-offs | 109.7734% | 4,222 |
| Earnings coverage of net charge-offs (x) | -0.4788% | 6,064 |
| Efficiency ratio | 123.7693% | 603 |
| Assets per employee ($millions) | 4.0373% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 3,786 |
| Loan loss allowance to noncurrent loans | 38.6266% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 4.0497% | 1,449 |
| Noncurrent loans to loans | 3.5952% | 1,944 |
| Net loans and leases to total assets | 89.0413% | 181 |
| Net loans and leases to deposits | 113.2177% | 435 |
| Net loans and leases to core deposits | 171.7930% | 304 |
| Total domestic deposits to total assets | 78.6461% | 5,918 |
| Equity capital to assets | 8.4942% | 6,055 |
| Core capital (leverage) ratio | 8.1737% | 6,023 |
| Tier 1 risk-based capital ratio | 8.8361% | 7,774 |
| Total risk-based capital ratio | 10.0873% | 7,812 |
| Memoranda: | ||
| Average total assets | $65,510,000 | 6,245 |
| Average earning assets | $61,847,670 | 6,153 |
| Average equity | $6,040,000 | 6,698 |
| Average total loans | $55,129,000 | 5,554 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8572% | 3,003 |
| Cost of funding earning assets | 2.2785% | 2,800 |
| Net interest margin | 3.5787% | 4,414 |
| Noninterest income to average assets | 0.6913% | 2,941 |
| Noninterest expense to average assets | 5.0935% | 453 |
| Loan and lease loss provision to assets | 1.3643% | 939 |
| Net operating income to assets | -2.3952% | 7,747 |
| Return on assets (ROA) | -2.3952% | 7,749 |
| Pretax return on assets | -2.3952% | 7,641 |
| Return on Equity (ROE) | -25.0139% | 7,845 |
| Retained earnings to average equity (ytd only) | -25.0139% | 7,771 |
| Net charge-offs to loans | 0.8369% | 1,557 |
| Credit loss provision to net charge-offs | 200.8929% | 2,205 |
| Earnings coverage of net charge-offs (x) | -1.5179% | 5,430 |
| Efficiency ratio | 125.3731% | 561 |
| Assets per employee ($millions) | 3.9740% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 2,757 |
| Loan loss allowance to noncurrent loans | 49.3356% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 3.3305% | 1,641 |
| Noncurrent loans to loans | 3.1249% | 2,070 |
| Net loans and leases to total assets | 80.7306% | 1,248 |
| Net loans and leases to deposits | 96.0448% | 1,936 |
| Net loans and leases to core deposits | 152.0279% | 648 |
| Total domestic deposits to total assets | 84.0552% | 3,681 |
| Equity capital to assets | 9.0648% | 5,277 |
| Core capital (leverage) ratio | 8.5109% | 5,512 |
| Tier 1 risk-based capital ratio | 9.6892% | 7,266 |
| Total risk-based capital ratio | 10.9420% | 7,175 |
| Memoranda: | ||
| Average total assets | $65,966,500 | 6,252 |
| Average earning assets | $62,146,000 | 6,169 |
| Average equity | $6,316,500 | 6,656 |
| Average total loans | $53,529,500 | 5,656 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7552% | 1,847 |
| Cost of funding earning assets | 2.7326% | 3,010 |
| Net interest margin | 4.0226% | 3,015 |
| Noninterest income to average assets | 0.6842% | 3,218 |
| Noninterest expense to average assets | 6.3092% | 359 |
| Loan and lease loss provision to assets | 2.0069% | 597 |
| Net operating income to assets | -3.8532% | 7,966 |
| Return on assets (ROA) | -3.8360% | 7,939 |
| Pretax return on assets | -3.8360% | 7,862 |
| Return on Equity (ROE) | -34.4396% | 8,017 |
| Retained earnings to average equity (ytd only) | -34.4396% | 7,977 |
| Net charge-offs to loans | 1.7426% | 634 |
| Credit loss provision to net charge-offs | 148.0959% | 3,561 |
| Earnings coverage of net charge-offs (x) | -1.3625% | 6,648 |
| Efficiency ratio | 141.3704% | 394 |
| Assets per employee ($millions) | 3.0655% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 3,007 |
| Loan loss allowance to noncurrent loans | 64.4348% | 4,787 |
| Noncurrent assets plus other real estate owned to assets | 2.4994% | 1,941 |
| Noncurrent loans to loans | 2.2259% | 2,474 |
| Net loans and leases to total assets | 79.1052% | 1,865 |
| Net loans and leases to deposits | 95.4956% | 2,530 |
| Net loans and leases to core deposits | 125.3668% | 2,221 |
| Total domestic deposits to total assets | 82.8365% | 3,835 |
| Equity capital to assets | 10.1111% | 3,908 |
| Core capital (leverage) ratio | 9.8971% | 3,551 |
| Tier 1 risk-based capital ratio | 10.9645% | 5,757 |
| Total risk-based capital ratio | 12.2151% | 5,664 |
| Memoranda: | ||
| Average total assets | $52,320,200 | 6,685 |
| Average earning assets | $49,147,400 | 6,629 |
| Average equity | $5,827,600 | 6,867 |
| Average total loans | $40,686,600 | 6,139 |