Home > Mutual Federal Bank > Performance and Condition Ratios
Mutual Federal 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 | 5.2057% | 1,647 |
| Cost of funding earning assets | 1.7385% | 1,375 |
| Net interest margin | 3.4672% | 2,261 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 4.1374% | 335 |
| Loan and lease loss provision to assets | -0.0600% | 4,460 |
| Net operating income to assets | 0.0193% | 4,313 |
| Return on assets (ROA) | 0.0193% | 4,340 |
| Pretax return on assets | 0.0193% | 4,323 |
| Return on Equity (ROE) | 0.1400% | 4,331 |
| Retained earnings to average equity (ytd only) | 0.1377% | 4,015 |
| Net charge-offs to loans | -0.0170% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 100.8754% | 174 |
| Assets per employee ($millions) | 6.6475% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 991 |
| Loan loss allowance to noncurrent loans | 202.6357% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6469% | 830 |
| Noncurrent loans to loans | 0.7505% | 1,041 |
| Net loans and leases to total assets | 84.8800% | 218 |
| Net loans and leases to deposits | 121.8771% | 75 |
| Net loans and leases to core deposits | 134.9683% | 334 |
| Total domestic deposits to total assets | 69.6500% | 4,302 |
| Equity capital to assets | 15.3099% | 527 |
| Core capital (leverage) ratio | 15.0738% | 612 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7514% | 433 |
| Memoranda: | ||
| Average total assets | $108,619,200 | 3,755 |
| Average earning assets | $102,618,200 | 3,719 |
| Average equity | $15,254,400 | 3,244 |
| Average total loans | $93,993,000 | 3,241 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1634% | 1,521 |
| Cost of funding earning assets | 1.6965% | 1,196 |
| Net interest margin | 3.4669% | 2,286 |
| Noninterest income to average assets | 1.0500% | 596 |
| Noninterest expense to average assets | 4.5155% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -0.1864% | 4,493 |
| Return on assets (ROA) | -0.1864% | 4,478 |
| Pretax return on assets | -0.1864% | 4,469 |
| Return on Equity (ROE) | -1.3600% | 4,438 |
| Retained earnings to average equity (ytd only) | -1.3550% | 4,277 |
| Net charge-offs to loans | -0.0167% | 4,080 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 104.3068% | 134 |
| Assets per employee ($millions) | 6.9328% | 2,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 1,083 |
| Loan loss allowance to noncurrent loans | 205.8912% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 0.6366% | 909 |
| Noncurrent loans to loans | 0.7331% | 1,128 |
| Net loans and leases to total assets | 85.5200% | 180 |
| Net loans and leases to deposits | 133.1427% | 34 |
| Net loans and leases to core deposits | 138.9724% | 230 |
| Total domestic deposits to total assets | 64.2300% | 4,428 |
| Equity capital to assets | 14.5107% | 584 |
| Core capital (leverage) ratio | 14.2377% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5322% | 513 |
| Memoranda: | ||
| Average total assets | $110,845,750 | 3,749 |
| Average earning assets | $104,760,250 | 3,712 |
| Average equity | $15,251,500 | 3,232 |
| Average total loans | $96,004,500 | 3,225 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 1,361 |
| Cost of funding earning assets | 1.6187% | 1,019 |
| Net interest margin | 3.4878% | 2,293 |
| Noninterest income to average assets | 1.0300% | 539 |
| Noninterest expense to average assets | 4.5169% | 270 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.1892% | 4,533 |
| Return on assets (ROA) | -0.1892% | 4,517 |
| Pretax return on assets | -0.1892% | 4,511 |
| Return on Equity (ROE) | -1.4000% | 4,480 |
| Retained earnings to average equity (ytd only) | -1.3982% | 4,248 |
| Net charge-offs to loans | -0.0163% | 4,074 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 104.3709% | 123 |
| Assets per employee ($millions) | 3.9878% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4676% | 1,286 |
| Loan loss allowance to noncurrent loans | 547.9839% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9594% | 500 |
| Noncurrent loans to loans | 0.2678% | 2,198 |
| Net loans and leases to total assets | 84.7400% | 229 |
| Net loans and leases to deposits | 134.8218% | 39 |
| Net loans and leases to core deposits | 140.0534% | 211 |
| Total domestic deposits to total assets | 62.8600% | 4,464 |
| Equity capital to assets | 14.0606% | 641 |
| Core capital (leverage) ratio | 13.3815% | 909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1008% | 548 |
| Memoranda: | ||
| Average total assets | $113,130,333 | 3,736 |
| Average earning assets | $107,002,000 | 3,701 |
| Average equity | $15,305,333 | 3,245 |
| Average total loans | $97,907,000 | 3,198 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0098% | 1,212 |
| Cost of funding earning assets | 1.3991% | 1,023 |
| Net interest margin | 3.6107% | 2,104 |
| Noninterest income to average assets | 1.0800% | 514 |
| Noninterest expense to average assets | 4.6677% | 258 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.1657% | 4,543 |
| Return on assets (ROA) | -0.1657% | 4,529 |
| Pretax return on assets | -0.1657% | 4,516 |
| Return on Equity (ROE) | -1.2500% | 4,492 |
| Retained earnings to average equity (ytd only) | -1.2477% | 4,150 |
| Net charge-offs to loans | -0.0159% | 4,027 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 103.6810% | 139 |
| Assets per employee ($millions) | 3.5875% | 4,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 1,778 |
| Loan loss allowance to noncurrent loans | 521.1538% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.9103% | 486 |
| Noncurrent loans to loans | 0.2609% | 2,215 |
| Net loans and leases to total assets | 85.6200% | 148 |
| Net loans and leases to deposits | 142.7658% | 20 |
| Net loans and leases to core deposits | 146.9493% | 138 |
| Total domestic deposits to total assets | 59.9700% | 4,542 |
| Equity capital to assets | 13.2377% | 710 |
| Core capital (leverage) ratio | 13.2238% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7009% | 687 |
| Memoranda: | ||
| Average total assets | $115,860,500 | 3,761 |
| Average earning assets | $109,785,500 | 3,722 |
| Average equity | $15,388,500 | 3,273 |
| Average total loans | $100,560,000 | 3,208 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 1,334 |
| Cost of funding earning assets | 0.6779% | 650 |
| Net interest margin | 3.4793% | 1,994 |
| Noninterest income to average assets | 2.9900% | 177 |
| Noninterest expense to average assets | 6.3521% | 156 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | -0.1187% | 4,596 |
| Return on assets (ROA) | -0.1187% | 4,585 |
| Pretax return on assets | -0.1187% | 4,575 |
| Return on Equity (ROE) | -0.8200% | 4,571 |
| Retained earnings to average equity (ytd only) | -0.8179% | 4,438 |
| Net charge-offs to loans | -0.0183% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 101.1462% | 139 |
| Assets per employee ($millions) | 2.4877% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,377 |
| Loan loss allowance to noncurrent loans | 196.1390% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 362 |
| Noncurrent loans to loans | 0.5105% | 1,425 |
| Net loans and leases to total assets | 85.9200% | 159 |
| Net loans and leases to deposits | 142.4122% | 21 |
| Net loans and leases to core deposits | 146.4545% | 104 |
| Total domestic deposits to total assets | 60.3300% | 4,575 |
| Equity capital to assets | 13.3254% | 654 |
| Core capital (leverage) ratio | 13.4944% | 816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8241% | 643 |
| Memoranda: | ||
| Average total assets | $106,972,200 | 3,864 |
| Average earning assets | $101,054,000 | 3,831 |
| Average equity | $15,527,400 | 3,320 |
| Average total loans | $87,555,000 | 3,311 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9104% | 1,462 |
| Cost of funding earning assets | 0.5235% | 665 |
| Net interest margin | 3.3869% | 2,019 |
| Noninterest income to average assets | 3.3100% | 170 |
| Noninterest expense to average assets | 6.8601% | 147 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | -0.4224% | 4,671 |
| Return on assets (ROA) | -0.4224% | 4,658 |
| Pretax return on assets | -0.4224% | 4,649 |
| Return on Equity (ROE) | -2.8400% | 4,630 |
| Retained earnings to average equity (ytd only) | -2.8446% | 4,531 |
| Net charge-offs to loans | -0.0174% | 3,944 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 105.5152% | 118 |
| Assets per employee ($millions) | 2.2786% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 3,611 |
| Loan loss allowance to noncurrent loans | 186.1878% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 1.1651% | 367 |
| Noncurrent loans to loans | 0.5214% | 1,496 |
| Net loans and leases to total assets | 85.4000% | 161 |
| Net loans and leases to deposits | 141.6810% | 20 |
| Net loans and leases to core deposits | 144.7717% | 82 |
| Total domestic deposits to total assets | 60.2700% | 4,620 |
| Equity capital to assets | 12.7312% | 725 |
| Core capital (leverage) ratio | 13.7011% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7415% | 758 |
| Memoranda: | ||
| Average total assets | $104,485,250 | 3,910 |
| Average earning assets | $98,572,000 | 3,874 |
| Average equity | $15,514,250 | 3,364 |
| Average total loans | $84,075,000 | 3,366 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6874% | 1,568 |
| Cost of funding earning assets | 0.3868% | 1,011 |
| Net interest margin | 3.3006% | 1,910 |
| Noninterest income to average assets | 3.7372% | 126 |
| Noninterest expense to average assets | 7.3189% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.4805% | 4,679 |
| Return on assets (ROA) | -0.4805% | 4,661 |
| Pretax return on assets | -0.4805% | 4,650 |
| Return on Equity (ROE) | -3.0590% | 4,645 |
| Retained earnings to average equity (ytd only) | -3.0590% | 4,456 |
| Net charge-offs to loans | -0.0181% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0269% | 129 |
| Assets per employee ($millions) | 1.7338% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,595 |
| Loan loss allowance to noncurrent loans | 276.5896% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 403 |
| Noncurrent loans to loans | 0.3615% | 2,062 |
| Net loans and leases to total assets | 86.7392% | 70 |
| Net loans and leases to deposits | 129.6678% | 26 |
| Net loans and leases to core deposits | 132.4855% | 110 |
| Total domestic deposits to total assets | 66.8934% | 4,647 |
| Equity capital to assets | 14.1616% | 490 |
| Core capital (leverage) ratio | 15.4728% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0284% | 533 |
| Memoranda: | ||
| Average total assets | $99,058,333 | 4,003 |
| Average earning assets | $93,074,000 | 3,977 |
| Average equity | $15,560,667 | 3,445 |
| Average total loans | $77,386,000 | 3,495 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5470% | 1,650 |
| Cost of funding earning assets | 0.3183% | 1,482 |
| Net interest margin | 3.2286% | 1,790 |
| Noninterest income to average assets | 3.2393% | 147 |
| Noninterest expense to average assets | 7.1341% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.8726% | 4,733 |
| Return on assets (ROA) | -0.8726% | 4,729 |
| Pretax return on assets | -0.8726% | 4,722 |
| Return on Equity (ROE) | -5.2542% | 4,708 |
| Retained earnings to average equity (ytd only) | -5.2542% | 4,427 |
| Net charge-offs to loans | -0.0176% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.9361% | 107 |
| Assets per employee ($millions) | 1.5109% | 4,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 2,087 |
| Loan loss allowance to noncurrent loans | 231.8735% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 1.3395% | 294 |
| Noncurrent loans to loans | 0.5851% | 1,586 |
| Net loans and leases to total assets | 72.8001% | 762 |
| Net loans and leases to deposits | 94.1124% | 359 |
| Net loans and leases to core deposits | 96.1375% | 649 |
| Total domestic deposits to total assets | 77.3544% | 4,440 |
| Equity capital to assets | 16.2874% | 297 |
| Core capital (leverage) ratio | 16.5390% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0752% | 328 |
| Memoranda: | ||
| Average total assets | $93,971,500 | 4,060 |
| Average earning assets | $87,962,500 | 4,045 |
| Average equity | $15,606,500 | 3,504 |
| Average total loans | $68,227,000 | 3,652 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6709% | 2,196 |
| Cost of funding earning assets | 0.3528% | 1,913 |
| Net interest margin | 3.3181% | 2,259 |
| Noninterest income to average assets | 6.0289% | 98 |
| Noninterest expense to average assets | 8.6444% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4957% | 4,099 |
| Return on assets (ROA) | 0.4957% | 4,142 |
| Pretax return on assets | 0.4957% | 4,268 |
| Return on Equity (ROE) | 3.0293% | 4,358 |
| Retained earnings to average equity (ytd only) | 3.0293% | 3,623 |
| Net charge-offs to loans | -0.0446% | 4,276 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5770% | 220 |
| Assets per employee ($millions) | 1.9736% | 4,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4349% | 1,786 |
| Loan loss allowance to noncurrent loans | 199.1614% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 1.4651% | 287 |
| Noncurrent loans to loans | 0.7205% | 1,411 |
| Net loans and leases to total assets | 70.3511% | 1,005 |
| Net loans and leases to deposits | 91.9087% | 482 |
| Net loans and leases to core deposits | 94.6426% | 752 |
| Total domestic deposits to total assets | 76.5446% | 4,486 |
| Equity capital to assets | 16.9364% | 302 |
| Core capital (leverage) ratio | 16.4490% | 325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7411% | 323 |
| Memoranda: | ||
| Average total assets | $94,014,400 | 4,058 |
| Average earning assets | $88,152,200 | 4,041 |
| Average equity | $15,383,200 | 3,596 |
| Average total loans | $65,074,400 | 3,741 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4542% | 2,950 |
| Cost of funding earning assets | 0.3584% | 2,039 |
| Net interest margin | 3.0959% | 3,065 |
| Noninterest income to average assets | 6.0878% | 97 |
| Noninterest expense to average assets | 8.8653% | 88 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1286% | 4,675 |
| Return on assets (ROA) | 0.1286% | 4,696 |
| Pretax return on assets | 0.1286% | 4,705 |
| Return on Equity (ROE) | 0.7929% | 4,705 |
| Retained earnings to average equity (ytd only) | 0.7929% | 4,450 |
| Net charge-offs to loans | -0.0144% | 3,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5699% | 170 |
| Assets per employee ($millions) | 2.0174% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 1,779 |
| Loan loss allowance to noncurrent loans | 80.7659% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.1866% | 499 |
| Noncurrent loans to loans | 1.8073% | 532 |
| Net loans and leases to total assets | 64.6946% | 1,691 |
| Net loans and leases to deposits | 88.8093% | 668 |
| Net loans and leases to core deposits | 91.1282% | 972 |
| Total domestic deposits to total assets | 72.8466% | 4,671 |
| Equity capital to assets | 15.8362% | 433 |
| Core capital (leverage) ratio | 15.5159% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5795% | 355 |
| Memoranda: | ||
| Average total assets | $94,328,250 | 4,101 |
| Average earning assets | $88,546,250 | 4,088 |
| Average equity | $15,301,500 | 3,649 |
| Average total loans | $64,791,250 | 3,795 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5908% | 2,655 |
| Cost of funding earning assets | 0.3707% | 2,130 |
| Net interest margin | 3.2200% | 2,695 |
| Noninterest income to average assets | 6.5994% | 89 |
| Noninterest expense to average assets | 9.5002% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1091% | 4,701 |
| Return on assets (ROA) | 0.1091% | 4,718 |
| Pretax return on assets | 0.1091% | 4,725 |
| Return on Equity (ROE) | 0.6671% | 4,737 |
| Retained earnings to average equity (ytd only) | 0.6671% | 4,401 |
| Net charge-offs to loans | -0.0092% | 3,641 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8646% | 178 |
| Assets per employee ($millions) | 2.0809% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,579 |
| Loan loss allowance to noncurrent loans | 68.4952% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 2.1165% | 195 |
| Noncurrent loans to loans | 2.1957% | 408 |
| Net loans and leases to total assets | 60.5851% | 2,351 |
| Net loans and leases to deposits | 82.2702% | 1,200 |
| Net loans and leases to core deposits | 84.0353% | 1,556 |
| Total domestic deposits to total assets | 73.6416% | 4,669 |
| Equity capital to assets | 15.3132% | 482 |
| Core capital (leverage) ratio | 16.0681% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6003% | 398 |
| Memoranda: | ||
| Average total assets | $93,492,667 | 4,133 |
| Average earning assets | $87,390,667 | 4,122 |
| Average equity | $15,290,333 | 3,651 |
| Average total loans | $65,196,667 | 3,810 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7218% | 2,305 |
| Cost of funding earning assets | 0.4003% | 2,092 |
| Net interest margin | 3.3215% | 2,327 |
| Noninterest income to average assets | 7.7654% | 88 |
| Noninterest expense to average assets | 10.4631% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3898% | 4,377 |
| Return on assets (ROA) | 0.3898% | 4,404 |
| Pretax return on assets | 0.3898% | 4,496 |
| Return on Equity (ROE) | 2.3025% | 4,572 |
| Retained earnings to average equity (ytd only) | 2.3025% | 3,950 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4082% | 241 |
| Assets per employee ($millions) | 2.1930% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 1,880 |
| Loan loss allowance to noncurrent loans | 61.8121% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 2.4483% | 172 |
| Noncurrent loans to loans | 2.2935% | 426 |
| Net loans and leases to total assets | 69.5329% | 1,352 |
| Net loans and leases to deposits | 90.9032% | 656 |
| Net loans and leases to core deposits | 93.3069% | 1,024 |
| Total domestic deposits to total assets | 76.4912% | 4,557 |
| Equity capital to assets | 16.6460% | 342 |
| Core capital (leverage) ratio | 17.0812% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3201% | 439 |
| Memoranda: | ||
| Average total assets | $90,298,500 | 4,183 |
| Average earning assets | $83,938,500 | 4,166 |
| Average equity | $15,288,000 | 3,659 |
| Average total loans | $67,076,500 | 3,794 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3449% | 1,736 |
| Cost of funding earning assets | 0.5823% | 2,431 |
| Net interest margin | 3.7627% | 1,608 |
| Noninterest income to average assets | 10.4362% | 67 |
| Noninterest expense to average assets | 12.0889% | 62 |
| Loan and lease loss provision to assets | 0.2361% | 1,646 |
| Net operating income to assets | 1.6278% | 606 |
| Return on assets (ROA) | 1.6278% | 653 |
| Pretax return on assets | 1.6278% | 1,007 |
| Return on Equity (ROE) | 9.5687% | 2,169 |
| Retained earnings to average equity (ytd only) | 9.5687% | 667 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6413% | 508 |
| Assets per employee ($millions) | 2.0579% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 2,268 |
| Loan loss allowance to noncurrent loans | 67.6708% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.4025% | 193 |
| Noncurrent loans to loans | 1.9671% | 594 |
| Net loans and leases to total assets | 77.1457% | 682 |
| Net loans and leases to deposits | 103.3550% | 269 |
| Net loans and leases to core deposits | 105.4496% | 670 |
| Total domestic deposits to total assets | 74.6415% | 4,601 |
| Equity capital to assets | 17.2266% | 319 |
| Core capital (leverage) ratio | 16.1990% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7858% | 520 |
| Memoranda: | ||
| Average total assets | $84,714,400 | 4,193 |
| Average earning assets | $79,172,800 | 4,170 |
| Average equity | $14,411,600 | 3,706 |
| Average total loans | $71,600,800 | 3,694 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2998% | 2,097 |
| Cost of funding earning assets | 0.6152% | 2,516 |
| Net interest margin | 3.6846% | 1,997 |
| Noninterest income to average assets | 9.9858% | 67 |
| Noninterest expense to average assets | 11.5758% | 64 |
| Loan and lease loss provision to assets | 0.3187% | 1,245 |
| Net operating income to assets | 1.5423% | 827 |
| Return on assets (ROA) | 1.5423% | 903 |
| Pretax return on assets | 1.5423% | 1,350 |
| Return on Equity (ROE) | 9.0961% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.0961% | 953 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1526% | 495 |
| Assets per employee ($millions) | 2.3371% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1068% | 3,173 |
| Loan loss allowance to noncurrent loans | 62.5679% | 3,849 |
| Noncurrent assets plus other real estate owned to assets | 2.2790% | 254 |
| Noncurrent loans to loans | 1.7689% | 756 |
| Net loans and leases to total assets | 83.8385% | 295 |
| Net loans and leases to deposits | 129.5984% | 58 |
| Net loans and leases to core deposits | 132.3262% | 217 |
| Total domestic deposits to total assets | 64.6910% | 4,875 |
| Equity capital to assets | 15.1132% | 610 |
| Core capital (leverage) ratio | 16.3023% | 393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8106% | 937 |
| Memoranda: | ||
| Average total assets | $83,770,250 | 4,202 |
| Average earning assets | $78,451,750 | 4,187 |
| Average equity | $14,203,500 | 3,733 |
| Average total loans | $72,204,000 | 3,701 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 2,377 |
| Cost of funding earning assets | 0.6633% | 2,605 |
| Net interest margin | 3.6725% | 2,262 |
| Noninterest income to average assets | 8.2863% | 73 |
| Noninterest expense to average assets | 10.5883% | 68 |
| Loan and lease loss provision to assets | 0.3799% | 1,092 |
| Net operating income to assets | 0.7673% | 3,168 |
| Return on assets (ROA) | 0.7673% | 3,278 |
| Pretax return on assets | 0.7673% | 3,679 |
| Return on Equity (ROE) | 4.3307% | 4,012 |
| Retained earnings to average equity (ytd only) | 4.3307% | 2,767 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2244% | 380 |
| Assets per employee ($millions) | 2.1154% | 4,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 2,708 |
| Loan loss allowance to noncurrent loans | 57.9508% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 2.7075% | 194 |
| Noncurrent loans to loans | 2.0085% | 670 |
| Net loans and leases to total assets | 87.4068% | 81 |
| Net loans and leases to deposits | 124.7613% | 67 |
| Net loans and leases to core deposits | 128.7868% | 274 |
| Total domestic deposits to total assets | 70.0592% | 4,783 |
| Equity capital to assets | 16.7437% | 397 |
| Core capital (leverage) ratio | 16.9914% | 352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6752% | 953 |
| Memoranda: | ||
| Average total assets | $78,974,000 | 4,268 |
| Average earning assets | $74,173,000 | 4,246 |
| Average equity | $13,993,000 | 3,765 |
| Average total loans | $68,533,333 | 3,786 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 2,999 |
| Cost of funding earning assets | 0.6805% | 3,015 |
| Net interest margin | 3.5923% | 2,694 |
| Noninterest income to average assets | 7.2066% | 75 |
| Noninterest expense to average assets | 9.7541% | 79 |
| Loan and lease loss provision to assets | 0.3939% | 777 |
| Net operating income to assets | 0.4412% | 4,044 |
| Return on assets (ROA) | 0.4412% | 4,092 |
| Pretax return on assets | 0.4412% | 4,220 |
| Return on Equity (ROE) | 2.4163% | 4,361 |
| Retained earnings to average equity (ytd only) | 2.4163% | 3,301 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1131% | 427 |
| Assets per employee ($millions) | 1.9400% | 5,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 3,114 |
| Loan loss allowance to noncurrent loans | 52.2310% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 2.8375% | 219 |
| Noncurrent loans to loans | 2.1351% | 633 |
| Net loans and leases to total assets | 86.6226% | 112 |
| Net loans and leases to deposits | 125.0882% | 60 |
| Net loans and leases to core deposits | 129.3190% | 280 |
| Total domestic deposits to total assets | 69.2493% | 4,883 |
| Equity capital to assets | 17.1181% | 427 |
| Core capital (leverage) ratio | 19.6224% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3074% | 943 |
| Memoranda: | ||
| Average total assets | $76,152,500 | 4,311 |
| Average earning assets | $71,709,000 | 4,289 |
| Average equity | $13,905,500 | 3,779 |
| Average total loans | $65,384,000 | 3,857 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 841 |
| Cost of funding earning assets | 0.7357% | 2,993 |
| Net interest margin | 4.5518% | 646 |
| Noninterest income to average assets | 4.1993% | 110 |
| Noninterest expense to average assets | 8.0558% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.4793% | 4,452 |
| Return on assets (ROA) | 0.4793% | 4,496 |
| Pretax return on assets | 0.4793% | 4,610 |
| Return on Equity (ROE) | 2.5183% | 4,741 |
| Retained earnings to average equity (ytd only) | 2.5183% | 3,770 |
| Net charge-offs to loans | 0.3435% | 592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 1.8298% | 3,486 |
| Efficiency ratio | 94.3846% | 241 |
| Assets per employee ($millions) | 1.7274% | 5,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,352 |
| Loan loss allowance to noncurrent loans | 27.2178% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 4.8529% | 68 |
| Noncurrent loans to loans | 4.4603% | 129 |
| Net loans and leases to total assets | 82.8392% | 447 |
| Net loans and leases to deposits | 104.5382% | 357 |
| Net loans and leases to core deposits | 108.0797% | 967 |
| Total domestic deposits to total assets | 79.2429% | 4,135 |
| Equity capital to assets | 19.5739% | 267 |
| Core capital (leverage) ratio | 19.5075% | 258 |
| Tier 1 risk-based capital ratio | 20.2256% | 1,295 |
| Total risk-based capital ratio | 21.2776% | 1,295 |
| Memoranda: | ||
| Average total assets | $71,774,400 | 4,398 |
| Average earning assets | $68,368,200 | 4,368 |
| Average equity | $13,660,000 | 3,794 |
| Average total loans | $54,729,800 | 4,083 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0526% | 1,407 |
| Cost of funding earning assets | 0.7332% | 3,054 |
| Net interest margin | 4.3194% | 1,125 |
| Noninterest income to average assets | 4.0770% | 114 |
| Noninterest expense to average assets | 7.6782% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5221% | 4,463 |
| Return on assets (ROA) | 0.5221% | 4,516 |
| Pretax return on assets | 0.5221% | 4,667 |
| Return on Equity (ROE) | 2.7628% | 4,804 |
| Retained earnings to average equity (ytd only) | 2.7628% | 3,986 |
| Net charge-offs to loans | 0.5626% | 295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 1.2478% | 3,316 |
| Efficiency ratio | 93.6329% | 242 |
| Assets per employee ($millions) | 1.7513% | 5,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 2,716 |
| Loan loss allowance to noncurrent loans | 18.7947% | 4,625 |
| Noncurrent assets plus other real estate owned to assets | 5.0609% | 73 |
| Noncurrent loans to loans | 6.1736% | 70 |
| Net loans and leases to total assets | 81.0264% | 706 |
| Net loans and leases to deposits | 101.7239% | 521 |
| Net loans and leases to core deposits | 105.0881% | 1,254 |
| Total domestic deposits to total assets | 79.6532% | 4,059 |
| Equity capital to assets | 19.2201% | 298 |
| Core capital (leverage) ratio | 19.1888% | 279 |
| Tier 1 risk-based capital ratio | 20.0733% | 1,348 |
| Total risk-based capital ratio | 21.0668% | 1,361 |
| Memoranda: | ||
| Average total assets | $72,012,000 | 4,451 |
| Average earning assets | $68,741,750 | 4,419 |
| Average equity | $13,609,250 | 3,845 |
| Average total loans | $53,564,500 | 4,158 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2811% | 844 |
| Cost of funding earning assets | 0.7304% | 2,997 |
| Net interest margin | 4.5507% | 682 |
| Noninterest income to average assets | 3.1187% | 143 |
| Noninterest expense to average assets | 6.8811% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5938% | 4,321 |
| Return on assets (ROA) | 0.5938% | 4,358 |
| Pretax return on assets | 0.5938% | 4,555 |
| Return on Equity (ROE) | 3.1598% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.1598% | 3,641 |
| Net charge-offs to loans | 0.8726% | 164 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 0.9469% | 3,065 |
| Efficiency ratio | 92.0564% | 279 |
| Assets per employee ($millions) | 2.0172% | 5,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 1,884 |
| Loan loss allowance to noncurrent loans | 21.6688% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 4.3405% | 98 |
| Noncurrent loans to loans | 6.1416% | 60 |
| Net loans and leases to total assets | 69.7324% | 2,561 |
| Net loans and leases to deposits | 86.8370% | 2,152 |
| Net loans and leases to core deposits | 89.6408% | 2,628 |
| Total domestic deposits to total assets | 80.3027% | 3,970 |
| Equity capital to assets | 18.9097% | 296 |
| Core capital (leverage) ratio | 19.0590% | 273 |
| Tier 1 risk-based capital ratio | 21.3296% | 1,138 |
| Total risk-based capital ratio | 22.3905% | 1,144 |
| Memoranda: | ||
| Average total assets | $72,081,000 | 4,486 |
| Average earning assets | $69,001,000 | 4,448 |
| Average equity | $13,545,330 | 3,856 |
| Average total loans | $51,798,000 | 4,227 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 2,732 |
| Cost of funding earning assets | 0.7210% | 2,941 |
| Net interest margin | 3.8199% | 2,447 |
| Noninterest income to average assets | 1.3758% | 452 |
| Noninterest expense to average assets | 5.6481% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.6127% | 5,262 |
| Return on assets (ROA) | -0.6127% | 5,258 |
| Pretax return on assets | -0.6127% | 5,251 |
| Return on Equity (ROE) | -3.2709% | 5,241 |
| Retained earnings to average equity (ytd only) | -3.2709% | 4,829 |
| Net charge-offs to loans | 2.2292% | 49 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | -0.3793% | 2,685 |
| Efficiency ratio | 112.1681% | 94 |
| Assets per employee ($millions) | 2.0555% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,629 |
| Loan loss allowance to noncurrent loans | 17.5290% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 5.0415% | 67 |
| Noncurrent loans to loans | 6.7973% | 58 |
| Net loans and leases to total assets | 71.4663% | 2,262 |
| Net loans and leases to deposits | 88.5168% | 1,806 |
| Net loans and leases to core deposits | 91.3817% | 2,359 |
| Total domestic deposits to total assets | 80.7375% | 4,016 |
| Equity capital to assets | 18.6272% | 302 |
| Core capital (leverage) ratio | 18.5191% | 305 |
| Tier 1 risk-based capital ratio | 20.8399% | 1,187 |
| Total risk-based capital ratio | 21.8036% | 1,216 |
| Memoranda: | ||
| Average total assets | $71,812,000 | 4,536 |
| Average earning assets | $68,798,000 | 4,501 |
| Average equity | $13,452,000 | 3,882 |
| Average total loans | $52,036,000 | 4,262 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 1,107 |
| Cost of funding earning assets | 0.7866% | 1,599 |
| Net interest margin | 4.1865% | 1,428 |
| Noninterest income to average assets | 1.8298% | 304 |
| Noninterest expense to average assets | 5.7622% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0718% | 5,200 |
| Return on assets (ROA) | 0.0718% | 5,193 |
| Pretax return on assets | 0.0718% | 5,195 |
| Return on Equity (ROE) | 0.4395% | 5,203 |
| Retained earnings to average equity (ytd only) | -1.0504% | 5,086 |
| Net charge-offs to loans | -0.0333% | 4,850 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7688% | 162 |
| Assets per employee ($millions) | 4.2165% | 3,589 |
| Cash dividends to net income (ytd only)* | 338.9831% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 760 |
| Loan loss allowance to noncurrent loans | 61.1298% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 2.2000% | 399 |
| Noncurrent loans to loans | 2.8576% | 378 |
| Net loans and leases to total assets | 71.3271% | 2,374 |
| Net loans and leases to deposits | 88.4445% | 1,997 |
| Net loans and leases to core deposits | 91.3114% | 2,467 |
| Total domestic deposits to total assets | 80.6462% | 3,967 |
| Equity capital to assets | 18.8376% | 280 |
| Core capital (leverage) ratio | 18.4357% | 299 |
| Tier 1 risk-based capital ratio | 20.9095% | 1,164 |
| Total risk-based capital ratio | 22.1609% | 1,150 |
| Memoranda: | ||
| Average total assets | $82,138,200 | 4,400 |
| Average earning assets | $78,562,600 | 4,338 |
| Average equity | $13,424,000 | 3,829 |
| Average total loans | $63,008,400 | 4,026 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9353% | 1,082 |
| Cost of funding earning assets | 0.8116% | 1,283 |
| Net interest margin | 4.1238% | 1,562 |
| Noninterest income to average assets | 2.0011% | 274 |
| Noninterest expense to average assets | 6.0158% | 132 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.0739% | 5,325 |
| Return on assets (ROA) | -0.0739% | 5,323 |
| Pretax return on assets | -0.0739% | 5,318 |
| Return on Equity (ROE) | -0.4675% | 5,318 |
| Retained earnings to average equity (ytd only) | -2.4569% | 5,225 |
| Net charge-offs to loans | -0.1521% | 5,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2444% | 133 |
| Assets per employee ($millions) | 2.1610% | 5,352 |
| Cash dividends to net income (ytd only)* | -425.4986% | 5,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5942% | 1,094 |
| Loan loss allowance to noncurrent loans | 68.2495% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.8655% | 605 |
| Noncurrent loans to loans | 2.3359% | 578 |
| Net loans and leases to total assets | 78.5906% | 1,236 |
| Net loans and leases to deposits | 96.3747% | 1,110 |
| Net loans and leases to core deposits | 99.1311% | 1,860 |
| Total domestic deposits to total assets | 81.5469% | 3,725 |
| Equity capital to assets | 17.7074% | 359 |
| Core capital (leverage) ratio | 16.4137% | 465 |
| Tier 1 risk-based capital ratio | 19.5807% | 1,420 |
| Total risk-based capital ratio | 20.8319% | 1,386 |
| Memoranda: | ||
| Average total assets | $84,752,500 | 4,394 |
| Average earning assets | $80,992,250 | 4,346 |
| Average equity | $13,404,250 | 3,863 |
| Average total loans | $65,751,250 | 4,004 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8289% | 1,178 |
| Cost of funding earning assets | 0.8076% | 1,098 |
| Net interest margin | 4.0213% | 1,786 |
| Noninterest income to average assets | 1.7428% | 340 |
| Noninterest expense to average assets | 6.0074% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.4306% | 5,435 |
| Return on assets (ROA) | -0.4306% | 5,430 |
| Pretax return on assets | -0.4306% | 5,426 |
| Return on Equity (ROE) | -2.8192% | 5,410 |
| Retained earnings to average equity (ytd only) | -5.8025% | 5,319 |
| Net charge-offs to loans | -0.2162% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7206% | 107 |
| Assets per employee ($millions) | 2.5355% | 5,324 |
| Cash dividends to net income (ytd only)* | -105.8201% | 5,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 1,598 |
| Loan loss allowance to noncurrent loans | 65.8219% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.7579% | 681 |
| Noncurrent loans to loans | 2.1876% | 641 |
| Net loans and leases to total assets | 74.1211% | 1,929 |
| Net loans and leases to deposits | 93.0487% | 1,468 |
| Net loans and leases to core deposits | 95.7035% | 2,084 |
| Total domestic deposits to total assets | 79.6583% | 4,320 |
| Equity capital to assets | 14.9317% | 697 |
| Core capital (leverage) ratio | 15.1699% | 637 |
| Tier 1 risk-based capital ratio | 19.4640% | 1,442 |
| Total risk-based capital ratio | 20.7152% | 1,401 |
| Memoranda: | ||
| Average total assets | $87,791,670 | 4,385 |
| Average earning assets | $83,704,000 | 4,333 |
| Average equity | $13,408,000 | 3,883 |
| Average total loans | $67,533,330 | 3,986 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8936% | 879 |
| Cost of funding earning assets | 0.7811% | 1,041 |
| Net interest margin | 4.1126% | 1,410 |
| Noninterest income to average assets | 1.2644% | 580 |
| Noninterest expense to average assets | 5.6760% | 156 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.5039% | 5,494 |
| Return on assets (ROA) | -0.5039% | 5,490 |
| Pretax return on assets | -0.5039% | 5,494 |
| Return on Equity (ROE) | -3.2625% | 5,471 |
| Retained earnings to average equity (ytd only) | -9.1944% | 5,348 |
| Net charge-offs to loans | -0.3827% | 5,476 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7431% | 106 |
| Assets per employee ($millions) | 2.2079% | 5,471 |
| Cash dividends to net income (ytd only)* | -181.8182% | 5,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 1,408 |
| Loan loss allowance to noncurrent loans | 57.6179% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 2.0905% | 527 |
| Noncurrent loans to loans | 2.6292% | 494 |
| Net loans and leases to total assets | 73.8433% | 1,883 |
| Net loans and leases to deposits | 88.5617% | 1,863 |
| Net loans and leases to core deposits | 90.7554% | 2,393 |
| Total domestic deposits to total assets | 83.3806% | 3,551 |
| Equity capital to assets | 15.8864% | 503 |
| Core capital (leverage) ratio | 15.2971% | 592 |
| Tier 1 risk-based capital ratio | 21.1252% | 1,188 |
| Total risk-based capital ratio | 22.3770% | 1,157 |
| Memoranda: | ||
| Average total assets | $87,315,500 | 4,444 |
| Average earning assets | $82,965,000 | 4,392 |
| Average equity | $13,486,500 | 3,903 |
| Average total loans | $67,930,500 | 4,011 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 904 |
| Cost of funding earning assets | 0.6670% | 1,200 |
| Net interest margin | 4.1751% | 1,239 |
| Noninterest income to average assets | 1.6384% | 395 |
| Noninterest expense to average assets | 5.4137% | 173 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1957% | 5,120 |
| Return on assets (ROA) | 0.1957% | 5,135 |
| Pretax return on assets | 0.2086% | 5,304 |
| Return on Equity (ROE) | 1.2224% | 5,200 |
| Retained earnings to average equity (ytd only) | 1.2224% | 4,533 |
| Net charge-offs to loans | -0.0360% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2893% | 247 |
| Assets per employee ($millions) | 2.4521% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,675 |
| Loan loss allowance to noncurrent loans | 50.2547% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 2.1614% | 495 |
| Noncurrent loans to loans | 2.4221% | 573 |
| Net loans and leases to total assets | 79.4277% | 1,049 |
| Net loans and leases to deposits | 102.3447% | 586 |
| Net loans and leases to core deposits | 105.6239% | 1,285 |
| Total domestic deposits to total assets | 77.6080% | 4,777 |
| Equity capital to assets | 15.0382% | 669 |
| Core capital (leverage) ratio | 14.5494% | 720 |
| Tier 1 risk-based capital ratio | 20.0877% | 1,300 |
| Total risk-based capital ratio | 21.3377% | 1,262 |
| Memoranda: | ||
| Average total assets | $84,840,600 | 4,502 |
| Average earning assets | $80,955,800 | 4,447 |
| Average equity | $13,580,200 | 3,904 |
| Average total loans | $69,470,400 | 3,974 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 1,020 |
| Cost of funding earning assets | 0.6037% | 1,506 |
| Net interest margin | 4.1490% | 1,279 |
| Noninterest income to average assets | 1.7480% | 384 |
| Noninterest expense to average assets | 5.4360% | 183 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.2623% | 5,282 |
| Return on assets (ROA) | 0.2623% | 5,297 |
| Pretax return on assets | 0.2799% | 5,325 |
| Return on Equity (ROE) | 1.6120% | 5,360 |
| Retained earnings to average equity (ytd only) | 1.6120% | 4,782 |
| Net charge-offs to loans | -0.0330% | 5,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1035% | 266 |
| Assets per employee ($millions) | 1.9245% | 5,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 3,217 |
| Loan loss allowance to noncurrent loans | 47.8001% | 4,585 |
| Noncurrent assets plus other real estate owned to assets | 2.2322% | 536 |
| Noncurrent loans to loans | 2.3991% | 656 |
| Net loans and leases to total assets | 82.1178% | 668 |
| Net loans and leases to deposits | 109.8754% | 275 |
| Net loans and leases to core deposits | 111.5428% | 951 |
| Total domestic deposits to total assets | 74.7372% | 5,161 |
| Equity capital to assets | 14.7764% | 789 |
| Core capital (leverage) ratio | 15.4869% | 581 |
| Tier 1 risk-based capital ratio | 19.6812% | 1,441 |
| Total risk-based capital ratio | 20.9307% | 1,401 |
| Memoranda: | ||
| Average total assets | $83,368,500 | 4,573 |
| Average earning assets | $79,728,250 | 4,513 |
| Average equity | $13,564,250 | 3,940 |
| Average total loans | $68,600,000 | 4,029 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7319% | 998 |
| Cost of funding earning assets | 0.5652% | 1,679 |
| Net interest margin | 4.1667% | 1,152 |
| Noninterest income to average assets | 1.4733% | 496 |
| Noninterest expense to average assets | 5.1714% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3011% | 5,216 |
| Return on assets (ROA) | 0.3011% | 5,236 |
| Pretax return on assets | 0.3011% | 5,335 |
| Return on Equity (ROE) | 1.7879% | 5,370 |
| Retained earnings to average equity (ytd only) | 1.7879% | 4,536 |
| Net charge-offs to loans | -0.0273% | 4,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4975% | 295 |
| Assets per employee ($millions) | 2.4288% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 2,553 |
| Loan loss allowance to noncurrent loans | 52.7526% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 2.0622% | 601 |
| Noncurrent loans to loans | 2.4143% | 640 |
| Net loans and leases to total assets | 79.5172% | 1,022 |
| Net loans and leases to deposits | 101.0494% | 672 |
| Net loans and leases to core deposits | 102.6265% | 1,460 |
| Total domestic deposits to total assets | 78.6914% | 4,690 |
| Equity capital to assets | 16.0079% | 530 |
| Core capital (leverage) ratio | 16.4631% | 424 |
| Tier 1 risk-based capital ratio | 22.0380% | 1,050 |
| Total risk-based capital ratio | 23.2894% | 1,030 |
| Memoranda: | ||
| Average total assets | $80,365,670 | 4,657 |
| Average earning assets | $77,135,670 | 4,585 |
| Average equity | $13,535,670 | 3,955 |
| Average total loans | $65,887,330 | 4,107 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 965 |
| Cost of funding earning assets | 0.5520% | 1,702 |
| Net interest margin | 4.1318% | 1,144 |
| Noninterest income to average assets | 1.0661% | 881 |
| Noninterest expense to average assets | 4.8229% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1948% | 5,400 |
| Return on assets (ROA) | 0.1948% | 5,414 |
| Pretax return on assets | 0.1948% | 5,439 |
| Return on Equity (ROE) | 1.1260% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.1260% | 4,612 |
| Net charge-offs to loans | -0.0062% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1185% | 315 |
| Assets per employee ($millions) | 2.4438% | 5,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 2,305 |
| Loan loss allowance to noncurrent loans | 45.9574% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 2.7966% | 378 |
| Noncurrent loans to loans | 2.9374% | 478 |
| Net loans and leases to total assets | 80.7381% | 731 |
| Net loans and leases to deposits | 98.2035% | 755 |
| Net loans and leases to core deposits | 99.7945% | 1,517 |
| Total domestic deposits to total assets | 82.2151% | 4,103 |
| Equity capital to assets | 17.2888% | 356 |
| Core capital (leverage) ratio | 17.3303% | 339 |
| Tier 1 risk-based capital ratio | 22.5886% | 1,026 |
| Total risk-based capital ratio | 23.8406% | 1,001 |
| Memoranda: | ||
| Average total assets | $78,044,500 | 4,752 |
| Average earning assets | $74,640,000 | 4,685 |
| Average equity | $13,499,500 | 3,988 |
| Average total loans | $64,597,000 | 4,168 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,258 |
| Cost of funding earning assets | 0.5453% | 1,740 |
| Net interest margin | 4.0648% | 1,460 |
| Noninterest income to average assets | 0.5080% | 3,186 |
| Noninterest expense to average assets | 4.0007% | 598 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4160% | 4,889 |
| Return on assets (ROA) | 0.4160% | 4,971 |
| Pretax return on assets | 0.4160% | 5,193 |
| Return on Equity (ROE) | 2.4773% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.4773% | 4,104 |
| Net charge-offs to loans | 0.0204% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 25.3846% | 1,592 |
| Efficiency ratio | 90.5822% | 523 |
| Assets per employee ($millions) | 3.1155% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,409 |
| Loan loss allowance to noncurrent loans | 40.2331% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 2.8823% | 368 |
| Noncurrent loans to loans | 3.2903% | 375 |
| Net loans and leases to total assets | 82.5917% | 529 |
| Net loans and leases to deposits | 100.8560% | 613 |
| Net loans and leases to core deposits | 102.5000% | 1,412 |
| Total domestic deposits to total assets | 81.8907% | 4,104 |
| Equity capital to assets | 17.3056% | 353 |
| Core capital (leverage) ratio | 17.0973% | 351 |
| Tier 1 risk-based capital ratio | 22.7362% | 991 |
| Total risk-based capital ratio | 23.9881% | 975 |
| Memoranda: | ||
| Average total assets | $79,335,200 | 4,742 |
| Average earning assets | $76,289,400 | 4,669 |
| Average equity | $13,321,200 | 4,052 |
| Average total loans | $63,656,600 | 4,189 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 1,457 |
| Cost of funding earning assets | 0.5374% | 1,811 |
| Net interest margin | 3.9898% | 1,689 |
| Noninterest income to average assets | 0.4166% | 3,806 |
| Noninterest expense to average assets | 3.8478% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4065% | 5,000 |
| Return on assets (ROA) | 0.4065% | 5,094 |
| Pretax return on assets | 0.4065% | 5,296 |
| Return on Equity (ROE) | 2.4394% | 5,369 |
| Retained earnings to average equity (ytd only) | 2.4394% | 4,457 |
| Net charge-offs to loans | 0.1075% | 1,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.7646% | 3,226 |
| Efficiency ratio | 90.4444% | 540 |
| Assets per employee ($millions) | 3.5930% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 2,711 |
| Loan loss allowance to noncurrent loans | 35.5910% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 3.0590% | 369 |
| Noncurrent loans to loans | 3.6394% | 339 |
| Net loans and leases to total assets | 79.5322% | 958 |
| Net loans and leases to deposits | 96.5373% | 993 |
| Net loans and leases to core deposits | 98.0734% | 1,805 |
| Total domestic deposits to total assets | 82.3849% | 3,814 |
| Equity capital to assets | 16.9749% | 437 |
| Core capital (leverage) ratio | 17.0456% | 364 |
| Tier 1 risk-based capital ratio | 22.9143% | 1,013 |
| Total risk-based capital ratio | 24.1655% | 998 |
| Memoranda: | ||
| Average total assets | $79,697,000 | 4,777 |
| Average earning assets | $76,661,000 | 4,696 |
| Average equity | $13,281,750 | 4,085 |
| Average total loans | $63,272,750 | 4,219 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 1,619 |
| Cost of funding earning assets | 0.5246% | 1,909 |
| Net interest margin | 3.9421% | 1,835 |
| Noninterest income to average assets | 0.3354% | 4,384 |
| Noninterest expense to average assets | 3.8266% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3078% | 5,302 |
| Return on assets (ROA) | 0.3078% | 5,391 |
| Pretax return on assets | 0.3078% | 5,490 |
| Return on Equity (ROE) | 1.8585% | 5,537 |
| Retained earnings to average equity (ytd only) | 1.8585% | 4,625 |
| Net charge-offs to loans | 0.0887% | 1,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 4.3929% | 2,992 |
| Efficiency ratio | 92.5545% | 472 |
| Assets per employee ($millions) | 3.6236% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 2,548 |
| Loan loss allowance to noncurrent loans | 36.3325% | 5,142 |
| Noncurrent assets plus other real estate owned to assets | 2.9278% | 425 |
| Noncurrent loans to loans | 3.7040% | 349 |
| Net loans and leases to total assets | 77.9802% | 1,211 |
| Net loans and leases to deposits | 94.1609% | 1,277 |
| Net loans and leases to core deposits | 95.6429% | 2,007 |
| Total domestic deposits to total assets | 82.8159% | 3,718 |
| Equity capital to assets | 16.6836% | 471 |
| Core capital (leverage) ratio | 16.5986% | 393 |
| Tier 1 risk-based capital ratio | 22.2833% | 1,106 |
| Total risk-based capital ratio | 23.5345% | 1,091 |
| Memoranda: | ||
| Average total assets | $79,914,000 | 4,818 |
| Average earning assets | $77,014,330 | 4,730 |
| Average equity | $13,236,330 | 4,117 |
| Average total loans | $63,133,000 | 4,256 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 1,499 |
| Cost of funding earning assets | 0.5185% | 1,955 |
| Net interest margin | 3.9823% | 1,664 |
| Noninterest income to average assets | 0.5549% | 2,776 |
| Noninterest expense to average assets | 3.9744% | 623 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4199% | 4,930 |
| Return on assets (ROA) | 0.4199% | 5,009 |
| Pretax return on assets | 0.4199% | 5,265 |
| Return on Equity (ROE) | 2.5446% | 5,371 |
| Retained earnings to average equity (ytd only) | 2.5446% | 4,230 |
| Net charge-offs to loans | 0.0127% | 2,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 988 |
| Efficiency ratio | 90.4437% | 645 |
| Assets per employee ($millions) | 4.2293% | 3,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 2,378 |
| Loan loss allowance to noncurrent loans | 37.6724% | 5,130 |
| Noncurrent assets plus other real estate owned to assets | 3.0041% | 416 |
| Noncurrent loans to loans | 3.7411% | 343 |
| Net loans and leases to total assets | 76.0855% | 1,379 |
| Net loans and leases to deposits | 91.6958% | 1,390 |
| Net loans and leases to core deposits | 93.5148% | 2,048 |
| Total domestic deposits to total assets | 82.9760% | 3,905 |
| Equity capital to assets | 16.4902% | 479 |
| Core capital (leverage) ratio | 16.7537% | 391 |
| Tier 1 risk-based capital ratio | 22.3021% | 1,119 |
| Total risk-based capital ratio | 23.5547% | 1,098 |
| Memoranda: | ||
| Average total assets | $80,011,500 | 4,856 |
| Average earning assets | $77,140,500 | 4,765 |
| Average equity | $13,204,500 | 4,130 |
| Average total loans | $63,193,000 | 4,282 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 1,513 |
| Cost of funding earning assets | 0.6468% | 1,088 |
| Net interest margin | 3.8810% | 2,093 |
| Noninterest income to average assets | 0.2960% | 4,765 |
| Noninterest expense to average assets | 3.7377% | 932 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2973% | 5,369 |
| Return on assets (ROA) | 0.2973% | 5,447 |
| Pretax return on assets | 0.2973% | 5,520 |
| Return on Equity (ROE) | 1.8338% | 5,609 |
| Retained earnings to average equity (ytd only) | 1.8338% | 4,680 |
| Net charge-offs to loans | 0.0756% | 2,744 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.8776% | 3,472 |
| Efficiency ratio | 92.6326% | 544 |
| Assets per employee ($millions) | 3.3194% | 5,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 2,613 |
| Loan loss allowance to noncurrent loans | 40.5556% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 2.7113% | 537 |
| Noncurrent loans to loans | 3.3555% | 431 |
| Net loans and leases to total assets | 79.7028% | 880 |
| Net loans and leases to deposits | 96.0707% | 1,001 |
| Net loans and leases to core deposits | 97.6021% | 1,704 |
| Total domestic deposits to total assets | 82.9626% | 3,843 |
| Equity capital to assets | 16.5165% | 465 |
| Core capital (leverage) ratio | 16.6905% | 401 |
| Tier 1 risk-based capital ratio | 21.6989% | 1,191 |
| Total risk-based capital ratio | 22.9501% | 1,168 |
| Memoranda: | ||
| Average total assets | $80,396,600 | 4,863 |
| Average earning assets | $77,453,600 | 4,777 |
| Average equity | $13,033,400 | 4,139 |
| Average total loans | $64,784,800 | 4,238 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 1,699 |
| Cost of funding earning assets | 0.6874% | 896 |
| Net interest margin | 3.7806% | 2,459 |
| Noninterest income to average assets | 0.2350% | 5,248 |
| Noninterest expense to average assets | 3.6518% | 1,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2234% | 5,634 |
| Return on assets (ROA) | 0.2234% | 5,702 |
| Pretax return on assets | 0.2234% | 5,759 |
| Return on Equity (ROE) | 1.3844% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.3844% | 5,169 |
| Net charge-offs to loans | 0.0966% | 2,187 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 2.8722% | 3,593 |
| Efficiency ratio | 94.2357% | 480 |
| Assets per employee ($millions) | 4.5551% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 2,968 |
| Loan loss allowance to noncurrent loans | 38.8840% | 5,244 |
| Noncurrent assets plus other real estate owned to assets | 3.0619% | 485 |
| Noncurrent loans to loans | 3.4077% | 473 |
| Net loans and leases to total assets | 84.4362% | 353 |
| Net loans and leases to deposits | 102.2600% | 532 |
| Net loans and leases to core deposits | 105.2391% | 1,153 |
| Total domestic deposits to total assets | 82.5701% | 3,960 |
| Equity capital to assets | 16.8759% | 444 |
| Core capital (leverage) ratio | 16.3092% | 452 |
| Tier 1 risk-based capital ratio | 21.1719% | 1,315 |
| Total risk-based capital ratio | 22.4236% | 1,300 |
| Memoranda: | ||
| Average total assets | $80,579,250 | 4,913 |
| Average earning assets | $77,588,000 | 4,828 |
| Average equity | $13,002,250 | 4,182 |
| Average total loans | $64,888,000 | 4,280 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 1,843 |
| Cost of funding earning assets | 0.6871% | 901 |
| Net interest margin | 3.7156% | 2,644 |
| Noninterest income to average assets | 0.0441% | 6,188 |
| Noninterest expense to average assets | 3.4229% | 1,433 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1985% | 5,695 |
| Return on assets (ROA) | 0.1985% | 5,759 |
| Pretax return on assets | 0.1985% | 5,818 |
| Return on Equity (ROE) | 1.2480% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.2480% | 5,055 |
| Net charge-offs to loans | 0.1831% | 1,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.3729% | 3,526 |
| Efficiency ratio | 94.5196% | 497 |
| Assets per employee ($millions) | 4.8104% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 2,850 |
| Loan loss allowance to noncurrent loans | 36.6638% | 5,338 |
| Noncurrent assets plus other real estate owned to assets | 3.1696% | 497 |
| Noncurrent loans to loans | 3.7632% | 444 |
| Net loans and leases to total assets | 75.6937% | 1,408 |
| Net loans and leases to deposits | 90.3808% | 1,548 |
| Net loans and leases to core deposits | 95.9854% | 1,805 |
| Total domestic deposits to total assets | 83.7497% | 3,668 |
| Equity capital to assets | 15.9103% | 537 |
| Core capital (leverage) ratio | 15.7779% | 497 |
| Tier 1 risk-based capital ratio | 21.9699% | 1,215 |
| Total risk-based capital ratio | 23.2218% | 1,193 |
| Memoranda: | ||
| Average total assets | $81,627,000 | 4,943 |
| Average earning assets | $78,587,000 | 4,857 |
| Average equity | $12,980,330 | 4,216 |
| Average total loans | $64,430,000 | 4,327 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4565% | 1,588 |
| Cost of funding earning assets | 0.6782% | 959 |
| Net interest margin | 3.7784% | 2,307 |
| Noninterest income to average assets | 0.0932% | 6,110 |
| Noninterest expense to average assets | 3.4285% | 1,437 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2992% | 5,422 |
| Return on assets (ROA) | 0.2992% | 5,523 |
| Pretax return on assets | 0.2992% | 5,654 |
| Return on Equity (ROE) | 1.8820% | 5,716 |
| Retained earnings to average equity (ytd only) | 1.8820% | 4,720 |
| Net charge-offs to loans | 0.2145% | 1,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.7429% | 2,873 |
| Efficiency ratio | 91.9737% | 717 |
| Assets per employee ($millions) | 4.3004% | 3,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3660% | 3,076 |
| Loan loss allowance to noncurrent loans | 30.2515% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 3.9470% | 383 |
| Noncurrent loans to loans | 4.5153% | 345 |
| Net loans and leases to total assets | 78.6542% | 844 |
| Net loans and leases to deposits | 93.8615% | 995 |
| Net loans and leases to core deposits | 99.6496% | 1,343 |
| Total domestic deposits to total assets | 83.7982% | 3,890 |
| Equity capital to assets | 15.9117% | 554 |
| Core capital (leverage) ratio | 15.9282% | 475 |
| Tier 1 risk-based capital ratio | 21.3114% | 1,366 |
| Total risk-based capital ratio | 22.5638% | 1,339 |
| Memoranda: | ||
| Average total assets | $81,552,000 | 4,997 |
| Average earning assets | $78,446,500 | 4,907 |
| Average equity | $12,965,000 | 4,242 |
| Average total loans | $65,262,000 | 4,318 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 1,759 |
| Cost of funding earning assets | 0.6884% | 1,161 |
| Net interest margin | 3.8409% | 2,463 |
| Noninterest income to average assets | 0.0667% | 6,253 |
| Noninterest expense to average assets | 3.3996% | 1,699 |
| Loan and lease loss provision to assets | 0.0743% | 2,998 |
| Net operating income to assets | 0.2808% | 5,567 |
| Return on assets (ROA) | 0.2997% | 5,588 |
| Pretax return on assets | 0.2997% | 5,702 |
| Return on Equity (ROE) | 1.8573% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.8573% | 4,874 |
| Net charge-offs to loans | 0.3308% | 1,333 |
| Credit loss provision to net charge-offs | 28.3654% | 3,862 |
| Earnings coverage of net charge-offs (x) | 1.3558% | 4,440 |
| Efficiency ratio | 90.5433% | 811 |
| Assets per employee ($millions) | 4.2841% | 3,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 2,880 |
| Loan loss allowance to noncurrent loans | 27.9287% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 4.3282% | 370 |
| Noncurrent loans to loans | 5.0667% | 283 |
| Net loans and leases to total assets | 79.1712% | 861 |
| Net loans and leases to deposits | 94.4912% | 1,032 |
| Net loans and leases to core deposits | 99.9132% | 1,400 |
| Total domestic deposits to total assets | 83.7869% | 3,809 |
| Equity capital to assets | 15.8839% | 553 |
| Core capital (leverage) ratio | 15.8791% | 480 |
| Tier 1 risk-based capital ratio | 21.7862% | 1,255 |
| Total risk-based capital ratio | 23.0404% | 1,231 |
| Memoranda: | ||
| Average total assets | $79,422,000 | 5,078 |
| Average earning assets | $76,258,600 | 4,982 |
| Average equity | $12,814,200 | 4,227 |
| Average total loans | $62,872,000 | 4,402 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5056% | 1,848 |
| Cost of funding earning assets | 0.6809% | 1,250 |
| Net interest margin | 3.8248% | 2,526 |
| Noninterest income to average assets | 0.0456% | 6,394 |
| Noninterest expense to average assets | 3.3802% | 1,718 |
| Loan and lease loss provision to assets | 0.0591% | 3,187 |
| Net operating income to assets | 0.2787% | 5,657 |
| Return on assets (ROA) | 0.2787% | 5,720 |
| Pretax return on assets | 0.2787% | 5,811 |
| Return on Equity (ROE) | 1.7206% | 5,899 |
| Retained earnings to average equity (ytd only) | 1.7206% | 5,190 |
| Net charge-offs to loans | 0.0621% | 3,322 |
| Credit loss provision to net charge-offs | 120.6897% | 1,905 |
| Earnings coverage of net charge-offs (x) | 6.8958% | 3,004 |
| Efficiency ratio | 90.9132% | 778 |
| Assets per employee ($millions) | 4.0749% | 3,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 2,146 |
| Loan loss allowance to noncurrent loans | 26.2454% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 5.2492% | 307 |
| Noncurrent loans to loans | 6.2699% | 214 |
| Net loans and leases to total assets | 79.2056% | 808 |
| Net loans and leases to deposits | 94.4709% | 996 |
| Net loans and leases to core deposits | 99.8438% | 1,380 |
| Total domestic deposits to total assets | 83.8413% | 3,819 |
| Equity capital to assets | 15.7893% | 593 |
| Core capital (leverage) ratio | 15.7733% | 511 |
| Tier 1 risk-based capital ratio | 21.0714% | 1,439 |
| Total risk-based capital ratio | 22.3273% | 1,414 |
| Memoranda: | ||
| Average total assets | $78,928,250 | 5,147 |
| Average earning assets | $75,785,000 | 5,046 |
| Average equity | $12,785,500 | 4,260 |
| Average total loans | $62,248,000 | 4,456 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 1,911 |
| Cost of funding earning assets | 0.6777% | 1,320 |
| Net interest margin | 3.7970% | 2,584 |
| Noninterest income to average assets | 0.0871% | 6,328 |
| Noninterest expense to average assets | 3.3661% | 1,764 |
| Loan and lease loss provision to assets | 0.0589% | 3,097 |
| Net operating income to assets | 0.3074% | 5,542 |
| Return on assets (ROA) | 0.3074% | 5,613 |
| Pretax return on assets | 0.3074% | 5,767 |
| Return on Equity (ROE) | 1.8812% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.8812% | 4,946 |
| Net charge-offs to loans | 0.0753% | 2,949 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | 6.2174% | 2,805 |
| Efficiency ratio | 90.1853% | 904 |
| Assets per employee ($millions) | 3.9517% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6803% | 2,183 |
| Loan loss allowance to noncurrent loans | 25.3601% | 5,896 |
| Noncurrent assets plus other real estate owned to assets | 5.4914% | 306 |
| Noncurrent loans to loans | 6.6258% | 201 |
| Net loans and leases to total assets | 79.5149% | 740 |
| Net loans and leases to deposits | 95.3583% | 853 |
| Net loans and leases to core deposits | 100.5504% | 1,234 |
| Total domestic deposits to total assets | 83.3854% | 4,161 |
| Equity capital to assets | 16.2337% | 508 |
| Core capital (leverage) ratio | 16.2112% | 449 |
| Tier 1 risk-based capital ratio | 21.6915% | 1,313 |
| Total risk-based capital ratio | 22.9483% | 1,291 |
| Memoranda: | ||
| Average total assets | $78,071,670 | 5,206 |
| Average earning assets | $74,954,000 | 5,111 |
| Average equity | $12,758,000 | 4,276 |
| Average total loans | $61,120,330 | 4,512 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3735% | 2,257 |
| Cost of funding earning assets | 0.6886% | 1,316 |
| Net interest margin | 3.6849% | 2,931 |
| Noninterest income to average assets | 0.0412% | 6,505 |
| Noninterest expense to average assets | 3.3354% | 1,861 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2371% | 5,698 |
| Return on assets (ROA) | 0.2371% | 5,743 |
| Pretax return on assets | 0.2371% | 5,856 |
| Return on Equity (ROE) | 1.4463% | 5,942 |
| Retained earnings to average equity (ytd only) | 1.4463% | 5,041 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3622% | 790 |
| Assets per employee ($millions) | 4.3021% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,011 |
| Loan loss allowance to noncurrent loans | 21.8293% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 6.6208% | 240 |
| Noncurrent loans to loans | 8.2828% | 151 |
| Net loans and leases to total assets | 75.3196% | 1,088 |
| Net loans and leases to deposits | 90.5219% | 1,092 |
| Net loans and leases to core deposits | 95.5334% | 1,419 |
| Total domestic deposits to total assets | 83.2059% | 4,531 |
| Equity capital to assets | 16.4635% | 464 |
| Core capital (leverage) ratio | 16.4449% | 427 |
| Tier 1 risk-based capital ratio | 22.6629% | 1,183 |
| Total risk-based capital ratio | 23.9216% | 1,166 |
| Memoranda: | ||
| Average total assets | $77,591,000 | 5,264 |
| Average earning assets | $74,357,500 | 5,170 |
| Average equity | $12,722,000 | 4,289 |
| Average total loans | $59,722,000 | 4,601 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 2,261 |
| Cost of funding earning assets | 0.7301% | 1,622 |
| Net interest margin | 3.7568% | 2,818 |
| Noninterest income to average assets | 0.0386% | 6,579 |
| Noninterest expense to average assets | 3.4774% | 1,711 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1452% | 5,950 |
| Return on assets (ROA) | 0.1492% | 6,009 |
| Pretax return on assets | 0.1492% | 6,017 |
| Return on Equity (ROE) | 0.8861% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.8861% | 5,437 |
| Net charge-offs to loans | 0.8199% | 758 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.2428% | 5,005 |
| Efficiency ratio | 95.9926% | 639 |
| Assets per employee ($millions) | 4.3191% | 3,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7887% | 2,096 |
| Loan loss allowance to noncurrent loans | 24.4647% | 6,089 |
| Noncurrent assets plus other real estate owned to assets | 5.7818% | 343 |
| Noncurrent loans to loans | 7.3113% | 224 |
| Net loans and leases to total assets | 75.8515% | 1,096 |
| Net loans and leases to deposits | 91.2495% | 1,134 |
| Net loans and leases to core deposits | 96.2493% | 1,434 |
| Total domestic deposits to total assets | 83.1254% | 4,505 |
| Equity capital to assets | 16.3292% | 477 |
| Core capital (leverage) ratio | 16.3116% | 436 |
| Tier 1 risk-based capital ratio | 22.0518% | 1,248 |
| Total risk-based capital ratio | 23.3093% | 1,218 |
| Memoranda: | ||
| Average total assets | $75,084,600 | 5,348 |
| Average earning assets | $71,630,800 | 5,266 |
| Average equity | $12,640,000 | 4,326 |
| Average total loans | $54,766,000 | 4,786 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 2,468 |
| Cost of funding earning assets | 0.7368% | 1,688 |
| Net interest margin | 3.7008% | 3,028 |
| Noninterest income to average assets | 0.0197% | 6,698 |
| Noninterest expense to average assets | 3.5223% | 1,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0251% | 6,264 |
| Return on assets (ROA) | 0.0305% | 6,309 |
| Pretax return on assets | 0.0305% | 6,288 |
| Return on Equity (ROE) | 0.1795% | 6,324 |
| Retained earnings to average equity (ytd only) | 0.1795% | 5,881 |
| Net charge-offs to loans | 0.8607% | 680 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.0406% | 4,844 |
| Efficiency ratio | 99.2929% | 487 |
| Assets per employee ($millions) | 3.9583% | 3,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1105% | 1,476 |
| Loan loss allowance to noncurrent loans | 26.8154% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 6.4927% | 332 |
| Noncurrent loans to loans | 7.8706% | 225 |
| Net loans and leases to total assets | 72.6488% | 1,509 |
| Net loans and leases to deposits | 87.6478% | 1,409 |
| Net loans and leases to core deposits | 92.6004% | 1,712 |
| Total domestic deposits to total assets | 82.8872% | 4,624 |
| Equity capital to assets | 16.7617% | 441 |
| Core capital (leverage) ratio | 16.7425% | 409 |
| Tier 1 risk-based capital ratio | 23.4578% | 1,077 |
| Total risk-based capital ratio | 24.7195% | 1,053 |
| Memoranda: | ||
| Average total assets | $74,419,750 | 5,419 |
| Average earning assets | $70,937,750 | 5,341 |
| Average equity | $12,626,250 | 4,375 |
| Average total loans | $53,446,500 | 4,874 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 2,521 |
| Cost of funding earning assets | 0.7362% | 1,800 |
| Net interest margin | 3.6754% | 3,056 |
| Noninterest income to average assets | 0.0971% | 6,536 |
| Noninterest expense to average assets | 3.6112% | 1,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0135% | 6,313 |
| Return on assets (ROA) | -0.0054% | 6,370 |
| Pretax return on assets | -0.0054% | 6,359 |
| Return on Equity (ROE) | -0.0317% | 6,370 |
| Retained earnings to average equity (ytd only) | -0.0317% | 5,861 |
| Net charge-offs to loans | 1.0141% | 598 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.0187% | 4,559 |
| Efficiency ratio | 100.3748% | 473 |
| Assets per employee ($millions) | 3.9227% | 3,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2740% | 1,299 |
| Loan loss allowance to noncurrent loans | 30.3382% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 6.2819% | 420 |
| Noncurrent loans to loans | 7.4954% | 296 |
| Net loans and leases to total assets | 72.4226% | 1,504 |
| Net loans and leases to deposits | 87.5598% | 1,397 |
| Net loans and leases to core deposits | 92.5311% | 1,652 |
| Total domestic deposits to total assets | 82.7121% | 4,808 |
| Equity capital to assets | 16.9041% | 427 |
| Core capital (leverage) ratio | 16.8763% | 383 |
| Tier 1 risk-based capital ratio | 23.5478% | 1,056 |
| Total risk-based capital ratio | 24.8103% | 1,034 |
| Memoranda: | ||
| Average total assets | $74,157,330 | 5,458 |
| Average earning assets | $70,631,330 | 5,372 |
| Average equity | $12,633,000 | 4,405 |
| Average total loans | $52,657,000 | 4,925 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 2,688 |
| Cost of funding earning assets | 0.7375% | 1,945 |
| Net interest margin | 3.6136% | 3,204 |
| Noninterest income to average assets | 0.1352% | 6,420 |
| Noninterest expense to average assets | 3.6339% | 1,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0541% | 6,407 |
| Return on assets (ROA) | -0.0379% | 6,444 |
| Pretax return on assets | -0.0379% | 6,436 |
| Return on Equity (ROE) | -0.2213% | 6,441 |
| Retained earnings to average equity (ytd only) | -0.2213% | 5,821 |
| Net charge-offs to loans | 1.5885% | 332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.0490% | 3,837 |
| Efficiency ratio | 101.5106% | 498 |
| Assets per employee ($millions) | 3.8943% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5563% | 1,056 |
| Loan loss allowance to noncurrent loans | 30.8322% | 6,000 |
| Noncurrent assets plus other real estate owned to assets | 6.3346% | 487 |
| Noncurrent loans to loans | 8.2910% | 311 |
| Net loans and leases to total assets | 67.9529% | 2,017 |
| Net loans and leases to deposits | 82.4679% | 1,769 |
| Net loans and leases to core deposits | 87.1704% | 1,995 |
| Total domestic deposits to total assets | 82.3992% | 5,059 |
| Equity capital to assets | 17.0845% | 419 |
| Core capital (leverage) ratio | 17.0123% | 354 |
| Tier 1 risk-based capital ratio | 24.9212% | 899 |
| Total risk-based capital ratio | 26.1884% | 889 |
| Memoranda: | ||
| Average total assets | $73,970,000 | 5,516 |
| Average earning assets | $70,512,000 | 5,424 |
| Average equity | $12,650,000 | 4,442 |
| Average total loans | $51,368,500 | 5,011 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3373% | 4,066 |
| Cost of funding earning assets | 0.8172% | 2,526 |
| Net interest margin | 3.5200% | 4,420 |
| Noninterest income to average assets | -0.0301% | 6,870 |
| Noninterest expense to average assets | 3.5454% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.2333% | 6,395 |
| Return on assets (ROA) | -0.2333% | 6,456 |
| Pretax return on assets | -0.2333% | 6,438 |
| Return on Equity (ROE) | -1.4062% | 6,416 |
| Retained earnings to average equity (ytd only) | -1.4062% | 6,077 |
| Net charge-offs to loans | 2.4594% | 250 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.1402% | 5,553 |
| Efficiency ratio | 107.0439% | 389 |
| Assets per employee ($millions) | 3.8921% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9782% | 678 |
| Loan loss allowance to noncurrent loans | 33.1808% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 6.4572% | 513 |
| Noncurrent loans to loans | 8.9755% | 293 |
| Net loans and leases to total assets | 67.0949% | 2,346 |
| Net loans and leases to deposits | 81.6469% | 2,054 |
| Net loans and leases to core deposits | 86.2857% | 2,275 |
| Total domestic deposits to total assets | 82.1769% | 5,034 |
| Equity capital to assets | 17.1186% | 399 |
| Core capital (leverage) ratio | 17.0359% | 351 |
| Tier 1 risk-based capital ratio | 25.2698% | 821 |
| Total risk-based capital ratio | 26.5419% | 809 |
| Memoranda: | ||
| Average total assets | $76,295,400 | 5,452 |
| Average earning assets | $72,442,200 | 5,352 |
| Average equity | $12,658,600 | 4,428 |
| Average total loans | $51,637,800 | 5,033 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3014% | 4,449 |
| Cost of funding earning assets | 0.8284% | 2,717 |
| Net interest margin | 3.4729% | 4,744 |
| Noninterest income to average assets | -0.0694% | 7,002 |
| Noninterest expense to average assets | 3.5916% | 1,568 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.3677% | 6,630 |
| Return on assets (ROA) | -0.3677% | 6,675 |
| Pretax return on assets | -0.3677% | 6,640 |
| Return on Equity (ROE) | -2.2330% | 6,583 |
| Retained earnings to average equity (ytd only) | -2.2330% | 6,417 |
| Net charge-offs to loans | 2.7535% | 212 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.1983% | 5,407 |
| Efficiency ratio | 111.4040% | 283 |
| Assets per employee ($millions) | 3.7074% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2865% | 557 |
| Loan loss allowance to noncurrent loans | 34.8002% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 7.2060% | 491 |
| Noncurrent loans to loans | 9.4439% | 281 |
| Net loans and leases to total assets | 68.4222% | 2,231 |
| Net loans and leases to deposits | 83.1920% | 1,975 |
| Net loans and leases to core deposits | 87.8676% | 2,231 |
| Total domestic deposits to total assets | 82.2461% | 4,935 |
| Equity capital to assets | 17.0432% | 456 |
| Core capital (leverage) ratio | 16.9478% | 373 |
| Tier 1 risk-based capital ratio | 24.5718% | 945 |
| Total risk-based capital ratio | 25.8475% | 936 |
| Memoranda: | ||
| Average total assets | $76,882,000 | 5,492 |
| Average earning assets | $72,905,250 | 5,405 |
| Average equity | $12,658,500 | 4,471 |
| Average total loans | $51,762,500 | 5,089 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 4,936 |
| Cost of funding earning assets | 0.8301% | 2,947 |
| Net interest margin | 3.3748% | 5,190 |
| Noninterest income to average assets | -0.1440% | 7,117 |
| Noninterest expense to average assets | 3.7330% | 1,321 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.6787% | 6,813 |
| Return on assets (ROA) | -0.6787% | 6,846 |
| Pretax return on assets | -0.6787% | 6,814 |
| Return on Equity (ROE) | -4.1687% | 6,730 |
| Retained earnings to average equity (ytd only) | -4.1687% | 6,561 |
| Net charge-offs to loans | 3.6677% | 134 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -0.2794% | 5,182 |
| Efficiency ratio | 122.2222% | 214 |
| Assets per employee ($millions) | 3.7433% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4344% | 519 |
| Loan loss allowance to noncurrent loans | 30.6163% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 8.4619% | 388 |
| Noncurrent loans to loans | 11.2175% | 204 |
| Net loans and leases to total assets | 69.4063% | 2,025 |
| Net loans and leases to deposits | 83.9814% | 1,854 |
| Net loans and leases to core deposits | 88.5966% | 2,139 |
| Total domestic deposits to total assets | 82.6448% | 4,892 |
| Equity capital to assets | 16.7929% | 466 |
| Core capital (leverage) ratio | 16.7113% | 388 |
| Tier 1 risk-based capital ratio | 23.4940% | 1,075 |
| Total risk-based capital ratio | 24.7714% | 1,055 |
| Memoranda: | ||
| Average total assets | $77,793,670 | 5,501 |
| Average earning assets | $73,722,670 | 5,407 |
| Average equity | $12,665,670 | 4,467 |
| Average total loans | $51,531,000 | 5,122 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1244% | 5,369 |
| Cost of funding earning assets | 0.8430% | 3,120 |
| Net interest margin | 3.2814% | 5,529 |
| Noninterest income to average assets | -0.2221% | 7,202 |
| Noninterest expense to average assets | 3.9718% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.0901% | 7,012 |
| Return on assets (ROA) | -1.0901% | 7,025 |
| Pretax return on assets | -1.0901% | 6,994 |
| Return on Equity (ROE) | -6.7965% | 6,916 |
| Retained earnings to average equity (ytd only) | -6.7965% | 6,712 |
| Net charge-offs to loans | 7.3901% | 37 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.2320% | 4,449 |
| Efficiency ratio | 137.8284% | 142 |
| Assets per employee ($millions) | 4.4686% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5841% | 508 |
| Loan loss allowance to noncurrent loans | 32.9616% | 6,023 |
| Noncurrent assets plus other real estate owned to assets | 7.8009% | 504 |
| Noncurrent loans to loans | 10.8735% | 256 |
| Net loans and leases to total assets | 65.9374% | 2,476 |
| Net loans and leases to deposits | 79.7650% | 2,234 |
| Net loans and leases to core deposits | 84.0479% | 2,540 |
| Total domestic deposits to total assets | 82.6646% | 5,057 |
| Equity capital to assets | 16.6153% | 484 |
| Core capital (leverage) ratio | 16.5328% | 405 |
| Tier 1 risk-based capital ratio | 24.2579% | 980 |
| Total risk-based capital ratio | 25.5370% | 964 |
| Memoranda: | ||
| Average total assets | $79,258,000 | 5,501 |
| Average earning assets | $74,968,000 | 5,401 |
| Average equity | $12,712,500 | 4,462 |
| Average total loans | $50,392,000 | 5,211 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 6,953 |
| Cost of funding earning assets | 1.1101% | 2,604 |
| Net interest margin | 2.4579% | 7,079 |
| Noninterest income to average assets | -0.1386% | 7,125 |
| Noninterest expense to average assets | 5.1623% | 345 |
| Loan and lease loss provision to assets | 0.4862% | 2,175 |
| Net operating income to assets | -3.5007% | 7,226 |
| Return on assets (ROA) | -3.5067% | 7,229 |
| Pretax return on assets | -3.5055% | 7,234 |
| Return on Equity (ROE) | -21.0473% | 6,998 |
| Retained earnings to average equity (ytd only) | -21.0473% | 6,984 |
| Net charge-offs to loans | 1.3074% | 1,262 |
| Credit loss provision to net charge-offs | 66.5557% | 4,980 |
| Earnings coverage of net charge-offs (x) | -4.1248% | 6,355 |
| Efficiency ratio | 240.2149% | 36 |
| Assets per employee ($millions) | 3.7523% | 4,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1052% | 1,991 |
| Loan loss allowance to noncurrent loans | 17.1276% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 7.9406% | 513 |
| Noncurrent loans to loans | 12.2911% | 206 |
| Net loans and leases to total assets | 57.9091% | 4,382 |
| Net loans and leases to deposits | 68.9972% | 4,274 |
| Net loans and leases to core deposits | 72.3153% | 4,468 |
| Total domestic deposits to total assets | 83.9297% | 4,339 |
| Equity capital to assets | 15.5094% | 675 |
| Core capital (leverage) ratio | 15.4630% | 535 |
| Tier 1 risk-based capital ratio | 24.6220% | 912 |
| Total risk-based capital ratio | 25.8809% | 899 |
| Memoranda: | ||
| Average total assets | $82,270,200 | 5,392 |
| Average earning assets | $76,568,800 | 5,326 |
| Average equity | $13,707,200 | 4,188 |
| Average total loans | $45,970,600 | 5,425 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4970% | 7,081 |
| Cost of funding earning assets | 1.1616% | 2,552 |
| Net interest margin | 2.3354% | 7,204 |
| Noninterest income to average assets | -0.1654% | 7,250 |
| Noninterest expense to average assets | 5.3348% | 280 |
| Loan and lease loss provision to assets | 0.5547% | 1,773 |
| Net operating income to assets | -3.8912% | 7,327 |
| Return on assets (ROA) | -3.8993% | 7,330 |
| Pretax return on assets | -3.8977% | 7,329 |
| Return on Equity (ROE) | -23.0043% | 7,141 |
| Retained earnings to average equity (ytd only) | -23.0043% | 7,130 |
| Net charge-offs to loans | 1.3935% | 1,083 |
| Credit loss provision to net charge-offs | 72.3044% | 4,407 |
| Earnings coverage of net charge-offs (x) | -4.3467% | 6,084 |
| Efficiency ratio | 266.7478% | 25 |
| Assets per employee ($millions) | 4.0381% | 3,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3106% | 1,669 |
| Loan loss allowance to noncurrent loans | 13.9340% | 6,838 |
| Noncurrent assets plus other real estate owned to assets | 10.4975% | 332 |
| Noncurrent loans to loans | 16.5821% | 101 |
| Net loans and leases to total assets | 54.7435% | 5,047 |
| Net loans and leases to deposits | 65.5599% | 4,964 |
| Net loans and leases to core deposits | 68.6183% | 5,103 |
| Total domestic deposits to total assets | 83.5014% | 4,478 |
| Equity capital to assets | 15.1578% | 810 |
| Core capital (leverage) ratio | 15.0972% | 646 |
| Tier 1 risk-based capital ratio | 24.5568% | 953 |
| Total risk-based capital ratio | 25.8167% | 935 |
| Memoranda: | ||
| Average total assets | $82,200,250 | 5,430 |
| Average earning assets | $76,215,500 | 5,375 |
| Average equity | $13,933,250 | 4,139 |
| Average total loans | $45,255,250 | 5,501 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5208% | 7,150 |
| Cost of funding earning assets | 1.2127% | 2,490 |
| Net interest margin | 2.3081% | 7,276 |
| Noninterest income to average assets | -0.2533% | 7,362 |
| Noninterest expense to average assets | 5.8303% | 213 |
| Loan and lease loss provision to assets | 0.7623% | 1,221 |
| Net operating income to assets | -4.7189% | 7,431 |
| Return on assets (ROA) | -4.7311% | 7,432 |
| Pretax return on assets | -4.7287% | 7,427 |
| Return on Equity (ROE) | -26.9223% | 7,215 |
| Retained earnings to average equity (ytd only) | -26.9223% | 7,206 |
| Net charge-offs to loans | 1.7978% | 778 |
| Credit loss provision to net charge-offs | 77.5000% | 3,846 |
| Earnings coverage of net charge-offs (x) | -4.0200% | 5,781 |
| Efficiency ratio | 310.7471% | 23 |
| Assets per employee ($millions) | 3.9176% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5522% | 1,367 |
| Loan loss allowance to noncurrent loans | 16.7796% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 9.2925% | 446 |
| Noncurrent loans to loans | 15.2102% | 134 |
| Net loans and leases to total assets | 50.4583% | 5,761 |
| Net loans and leases to deposits | 60.7499% | 5,644 |
| Net loans and leases to core deposits | 63.5321% | 5,776 |
| Total domestic deposits to total assets | 83.0591% | 4,729 |
| Equity capital to assets | 15.4778% | 703 |
| Core capital (leverage) ratio | 15.4032% | 604 |
| Tier 1 risk-based capital ratio | 28.9487% | 604 |
| Total risk-based capital ratio | 30.2145% | 589 |
| Memoranda: | ||
| Average total assets | $81,333,330 | 5,509 |
| Average earning assets | $75,039,330 | 5,460 |
| Average equity | $14,293,000 | 4,063 |
| Average total loans | $44,500,000 | 5,592 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5539% | 7,176 |
| Cost of funding earning assets | 1.2362% | 2,592 |
| Net interest margin | 2.3178% | 7,308 |
| Noninterest income to average assets | -0.1521% | 7,409 |
| Noninterest expense to average assets | 4.9223% | 392 |
| Loan and lease loss provision to assets | 1.9568% | 281 |
| Net operating income to assets | -4.9020% | 7,487 |
| Return on assets (ROA) | -4.9274% | 7,489 |
| Pretax return on assets | -4.9274% | 7,480 |
| Return on Equity (ROE) | -26.3245% | 7,294 |
| Retained earnings to average equity (ytd only) | -26.3245% | 7,258 |
| Net charge-offs to loans | 3.8977% | 236 |
| Credit loss provision to net charge-offs | 89.1455% | 2,954 |
| Earnings coverage of net charge-offs (x) | -1.3418% | 4,927 |
| Efficiency ratio | 248.9744% | 36 |
| Assets per employee ($millions) | 3.4316% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6523% | 1,255 |
| Loan loss allowance to noncurrent loans | 18.4313% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 9.8412% | 425 |
| Noncurrent loans to loans | 14.3902% | 171 |
| Net loans and leases to total assets | 52.6761% | 5,498 |
| Net loans and leases to deposits | 65.0898% | 5,114 |
| Net loans and leases to core deposits | 68.2778% | 5,259 |
| Total domestic deposits to total assets | 80.9284% | 5,681 |
| Equity capital to assets | 17.3353% | 415 |
| Core capital (leverage) ratio | 17.2710% | 376 |
| Tier 1 risk-based capital ratio | 33.0036% | 402 |
| Total risk-based capital ratio | 34.2715% | 395 |
| Memoranda: | ||
| Average total assets | $78,906,000 | 5,619 |
| Average earning assets | $72,483,000 | 5,588 |
| Average equity | $14,769,500 | 3,946 |
| Average total loans | $44,436,000 | 5,635 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3806% | 6,650 |
| Cost of funding earning assets | 1.3870% | 3,354 |
| Net interest margin | 2.9936% | 6,743 |
| Noninterest income to average assets | -0.2056% | 7,472 |
| Noninterest expense to average assets | 5.8139% | 251 |
| Loan and lease loss provision to assets | 1.1550% | 1,368 |
| Net operating income to assets | -5.3626% | 7,560 |
| Return on assets (ROA) | -5.3516% | 7,565 |
| Pretax return on assets | -4.4739% | 7,494 |
| Return on Equity (ROE) | -21.7340% | 7,071 |
| Retained earnings to average equity (ytd only) | -21.7340% | 7,047 |
| Net charge-offs to loans | 1.4812% | 1,483 |
| Credit loss provision to net charge-offs | 130.3738% | 3,046 |
| Earnings coverage of net charge-offs (x) | -3.7586% | 6,759 |
| Efficiency ratio | 234.0556% | 59 |
| Assets per employee ($millions) | 3.0182% | 6,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7716% | 1,093 |
| Loan loss allowance to noncurrent loans | 21.1360% | 6,765 |
| Noncurrent assets plus other real estate owned to assets | 10.1784% | 398 |
| Noncurrent loans to loans | 13.1131% | 231 |
| Net loans and leases to total assets | 57.0931% | 5,173 |
| Net loans and leases to deposits | 72.7575% | 4,386 |
| Net loans and leases to core deposits | 76.7650% | 4,611 |
| Total domestic deposits to total assets | 78.4703% | 6,223 |
| Equity capital to assets | 20.2269% | 250 |
| Core capital (leverage) ratio | 20.1401% | 231 |
| Tier 1 risk-based capital ratio | 33.7573% | 381 |
| Total risk-based capital ratio | 35.0249% | 373 |
| Memoranda: | ||
| Average total assets | $72,464,400 | 5,803 |
| Average earning assets | $65,104,800 | 5,825 |
| Average equity | $17,843,000 | 3,449 |
| Average total loans | $43,344,400 | 5,774 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 6,553 |
| Cost of funding earning assets | 1.3793% | 3,710 |
| Net interest margin | 3.1429% | 6,499 |
| Noninterest income to average assets | -0.2194% | 7,603 |
| Noninterest expense to average assets | 4.9657% | 393 |
| Loan and lease loss provision to assets | 0.3272% | 3,970 |
| Net operating income to assets | -3.8818% | 7,559 |
| Return on assets (ROA) | -3.8818% | 7,574 |
| Pretax return on assets | -2.6994% | 7,362 |
| Return on Equity (ROE) | -15.0578% | 7,107 |
| Retained earnings to average equity (ytd only) | -15.0578% | 7,080 |
| Net charge-offs to loans | 0.1176% | 5,372 |
| Credit loss provision to net charge-offs | 463.1579% | 644 |
| Earnings coverage of net charge-offs (x) | -33.5759% | 6,655 |
| Efficiency ratio | 191.4695% | 98 |
| Assets per employee ($millions) | 3.0953% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7138% | 1,070 |
| Loan loss allowance to noncurrent loans | 70.2881% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 5.8583% | 1,033 |
| Noncurrent loans to loans | 3.8610% | 1,976 |
| Net loans and leases to total assets | 56.5085% | 5,480 |
| Net loans and leases to deposits | 77.6770% | 3,885 |
| Net loans and leases to core deposits | 83.8775% | 3,960 |
| Total domestic deposits to total assets | 72.7480% | 7,059 |
| Equity capital to assets | 22.9647% | 170 |
| Core capital (leverage) ratio | 22.8463% | 155 |
| Tier 1 risk-based capital ratio | 39.9368% | 247 |
| Total risk-based capital ratio | 41.2048% | 243 |
| Memoranda: | ||
| Average total assets | $71,717,000 | 5,896 |
| Average earning assets | $64,185,250 | 5,915 |
| Average equity | $18,488,250 | 3,399 |
| Average total loans | $43,103,750 | 5,868 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 6,455 |
| Cost of funding earning assets | 1.4426% | 3,602 |
| Net interest margin | 3.1605% | 6,429 |
| Noninterest income to average assets | -0.1637% | 7,668 |
| Noninterest expense to average assets | 4.5555% | 540 |
| Loan and lease loss provision to assets | -0.0677% | 7,765 |
| Net operating income to assets | -1.1036% | 6,986 |
| Return on assets (ROA) | -1.1036% | 7,002 |
| Pretax return on assets | -1.8318% | 7,183 |
| Return on Equity (ROE) | -4.1235% | 6,628 |
| Retained earnings to average equity (ytd only) | -4.1235% | 6,455 |
| Net charge-offs to loans | 0.2089% | 4,362 |
| Credit loss provision to net charge-offs | -53.3333% | 6,639 |
| Earnings coverage of net charge-offs (x) | -14.9556% | 6,337 |
| Efficiency ratio | 171.5197% | 148 |
| Assets per employee ($millions) | 3.8589% | 4,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2958% | 1,591 |
| Loan loss allowance to noncurrent loans | 57.7246% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 6.4143% | 881 |
| Noncurrent loans to loans | 3.9772% | 1,912 |
| Net loans and leases to total assets | 55.9534% | 5,713 |
| Net loans and leases to deposits | 79.8400% | 3,623 |
| Net loans and leases to core deposits | 83.4554% | 4,215 |
| Total domestic deposits to total assets | 70.0818% | 7,324 |
| Equity capital to assets | 25.5960% | 127 |
| Core capital (leverage) ratio | 24.8943% | 130 |
| Tier 1 risk-based capital ratio | 41.4573% | 223 |
| Total risk-based capital ratio | 42.7183% | 219 |
| Memoranda: | ||
| Average total assets | $70,860,000 | 5,951 |
| Average earning assets | $63,218,330 | 5,980 |
| Average equity | $18,964,330 | 3,306 |
| Average total loans | $43,088,330 | 5,901 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8261% | 5,783 |
| Cost of funding earning assets | 1.4517% | 3,861 |
| Net interest margin | 3.3744% | 5,693 |
| Noninterest income to average assets | -0.3045% | 7,825 |
| Noninterest expense to average assets | 4.3602% | 671 |
| Loan and lease loss provision to assets | 0.1896% | 4,601 |
| Net operating income to assets | -1.1145% | 7,174 |
| Return on assets (ROA) | -1.1145% | 7,189 |
| Pretax return on assets | -1.8498% | 7,369 |
| Return on Equity (ROE) | -4.0707% | 6,824 |
| Retained earnings to average equity (ytd only) | -4.0707% | 6,503 |
| Net charge-offs to loans | -0.0183% | 7,054 |
| Credit loss provision to net charge-offs | -1,650.0000% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.4894% | 173 |
| Assets per employee ($millions) | 3.8238% | 4,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5003% | 1,292 |
| Loan loss allowance to noncurrent loans | 62.0209% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 6.5187% | 874 |
| Noncurrent loans to loans | 4.0314% | 1,936 |
| Net loans and leases to total assets | 57.3232% | 5,548 |
| Net loans and leases to deposits | 85.7446% | 2,633 |
| Net loans and leases to core deposits | 90.5744% | 3,290 |
| Total domestic deposits to total assets | 66.8534% | 7,578 |
| Equity capital to assets | 26.1063% | 131 |
| Core capital (leverage) ratio | 25.4289% | 130 |
| Tier 1 risk-based capital ratio | 42.8816% | 213 |
| Total risk-based capital ratio | 44.1464% | 208 |
| Memoranda: | ||
| Average total assets | $69,630,000 | 6,054 |
| Average earning assets | $61,996,500 | 6,085 |
| Average equity | $19,063,000 | 3,316 |
| Average total loans | $43,638,000 | 5,952 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 5,792 |
| Cost of funding earning assets | 1.5711% | 5,176 |
| Net interest margin | 3.5974% | 4,558 |
| Noninterest income to average assets | -0.2306% | 7,871 |
| Noninterest expense to average assets | 3.8485% | 1,606 |
| Loan and lease loss provision to assets | 2.6812% | 707 |
| Net operating income to assets | -2.4655% | 7,258 |
| Return on assets (ROA) | -2.4593% | 7,259 |
| Pretax return on assets | -3.4512% | 7,406 |
| Return on Equity (ROE) | -8.1544% | 6,481 |
| Retained earnings to average equity (ytd only) | -17.7704% | 7,019 |
| Net charge-offs to loans | 2.6249% | 861 |
| Credit loss provision to net charge-offs | 147.4482% | 3,182 |
| Earnings coverage of net charge-offs (x) | -0.4282% | 6,649 |
| Efficiency ratio | 125.3661% | 520 |
| Assets per employee ($millions) | 5.1236% | 2,052 |
| Cash dividends to net income (ytd only)* | -117.9245% | 7,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 1,457 |
| Loan loss allowance to noncurrent loans | 34.1044% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 7.4136% | 658 |
| Noncurrent loans to loans | 6.7907% | 857 |
| Net loans and leases to total assets | 65.3520% | 4,309 |
| Net loans and leases to deposits | 103.4828% | 673 |
| Net loans and leases to core deposits | 131.2973% | 1,209 |
| Total domestic deposits to total assets | 63.1525% | 7,729 |
| Equity capital to assets | 28.7642% | 110 |
| Core capital (leverage) ratio | 27.9749% | 120 |
| Tier 1 risk-based capital ratio | 43.9288% | 199 |
| Total risk-based capital ratio | 45.1778% | 197 |
| Memoranda: | ||
| Average total assets | $68,961,600 | 6,037 |
| Average earning assets | $63,267,200 | 6,024 |
| Average equity | $20,798,600 | 3,096 |
| Average total loans | $47,773,800 | 5,770 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 5,824 |
| Cost of funding earning assets | 1.5916% | 5,442 |
| Net interest margin | 3.6216% | 4,399 |
| Noninterest income to average assets | -0.1783% | 7,969 |
| Noninterest expense to average assets | 3.8954% | 1,434 |
| Loan and lease loss provision to assets | 1.9975% | 905 |
| Net operating income to assets | -2.0436% | 7,339 |
| Return on assets (ROA) | -2.0436% | 7,335 |
| Pretax return on assets | -2.7299% | 7,429 |
| Return on Equity (ROE) | -6.7016% | 6,632 |
| Retained earnings to average equity (ytd only) | -19.2748% | 7,315 |
| Net charge-offs to loans | 1.8499% | 1,091 |
| Credit loss provision to net charge-offs | 154.5994% | 3,093 |
| Earnings coverage of net charge-offs (x) | -0.5668% | 6,500 |
| Efficiency ratio | 123.1515% | 548 |
| Assets per employee ($millions) | 5.5866% | 1,528 |
| Cash dividends to net income (ytd only)* | -187.6170% | 8,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7523% | 2,437 |
| Loan loss allowance to noncurrent loans | 32.0207% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 6.8378% | 710 |
| Noncurrent loans to loans | 5.4724% | 1,142 |
| Net loans and leases to total assets | 67.3265% | 4,110 |
| Net loans and leases to deposits | 110.6142% | 445 |
| Net loans and leases to core deposits | 135.3454% | 1,137 |
| Total domestic deposits to total assets | 60.8661% | 7,856 |
| Equity capital to assets | 29.4530% | 121 |
| Core capital (leverage) ratio | 28.5654% | 133 |
| Tier 1 risk-based capital ratio | 44.8896% | 209 |
| Total risk-based capital ratio | 46.1405% | 208 |
| Memoranda: | ||
| Average total assets | $69,550,250 | 6,055 |
| Average earning assets | $64,169,250 | 6,030 |
| Average equity | $21,208,500 | 3,071 |
| Average total loans | $48,577,000 | 5,778 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3274% | 5,516 |
| Cost of funding earning assets | 1.6319% | 5,598 |
| Net interest margin | 3.6955% | 3,963 |
| Noninterest income to average assets | -0.1307% | 8,048 |
| Noninterest expense to average assets | 3.7819% | 1,686 |
| Loan and lease loss provision to assets | 2.0117% | 806 |
| Net operating income to assets | -2.1055% | 7,453 |
| Return on assets (ROA) | -2.1055% | 7,450 |
| Pretax return on assets | -2.4948% | 7,418 |
| Return on Equity (ROE) | -6.8306% | 6,780 |
| Retained earnings to average equity (ytd only) | -25.2669% | 7,596 |
| Net charge-offs to loans | 1.9249% | 975 |
| Credit loss provision to net charge-offs | 148.7395% | 3,103 |
| Earnings coverage of net charge-offs (x) | -0.3571% | 5,996 |
| Efficiency ratio | 114.6425% | 756 |
| Assets per employee ($millions) | 5.8072% | 1,339 |
| Cash dividends to net income (ytd only)* | -269.9055% | 8,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 3,595 |
| Loan loss allowance to noncurrent loans | 65.0778% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 4.4083% | 1,285 |
| Noncurrent loans to loans | 2.1905% | 3,271 |
| Net loans and leases to total assets | 66.3835% | 4,485 |
| Net loans and leases to deposits | 112.2625% | 466 |
| Net loans and leases to core deposits | 136.6577% | 1,179 |
| Total domestic deposits to total assets | 59.1324% | 7,959 |
| Equity capital to assets | 28.6959% | 151 |
| Core capital (leverage) ratio | 27.9598% | 161 |
| Tier 1 risk-based capital ratio | 46.0175% | 212 |
| Total risk-based capital ratio | 47.2678% | 212 |
| Memoranda: | ||
| Average total assets | $70,387,330 | 6,069 |
| Average earning assets | $65,322,670 | 6,031 |
| Average equity | $21,696,330 | 3,011 |
| Average total loans | $49,456,000 | 5,791 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4748% | 5,044 |
| Cost of funding earning assets | 1.6515% | 5,808 |
| Net interest margin | 3.8233% | 3,361 |
| Noninterest income to average assets | -0.1131% | 8,143 |
| Noninterest expense to average assets | 3.5738% | 1,920 |
| Loan and lease loss provision to assets | 1.1027% | 1,184 |
| Net operating income to assets | -0.7803% | 7,113 |
| Return on assets (ROA) | -0.7803% | 7,148 |
| Pretax return on assets | -1.2158% | 7,261 |
| Return on Equity (ROE) | -2.4483% | 6,718 |
| Retained earnings to average equity (ytd only) | -2.4483% | 6,183 |
| Net charge-offs to loans | 0.8517% | 1,535 |
| Credit loss provision to net charge-offs | 180.5556% | 2,409 |
| Earnings coverage of net charge-offs (x) | -0.1852% | 5,123 |
| Efficiency ratio | 103.2680% | 1,007 |
| Assets per employee ($millions) | 5.8783% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 5,780 |
| Loan loss allowance to noncurrent loans | 34.9566% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 3.7695% | 1,398 |
| Noncurrent loans to loans | 3.0190% | 2,165 |
| Net loans and leases to total assets | 69.6480% | 3,765 |
| Net loans and leases to deposits | 120.9002% | 269 |
| Net loans and leases to core deposits | 145.6235% | 881 |
| Total domestic deposits to total assets | 57.6078% | 8,014 |
| Equity capital to assets | 31.9270% | 127 |
| Core capital (leverage) ratio | 31.8149% | 136 |
| Tier 1 risk-based capital ratio | 52.0961% | 183 |
| Total risk-based capital ratio | 53.3172% | 183 |
| Memoranda: | ||
| Average total assets | $70,738,000 | 6,101 |
| Average earning assets | $66,121,000 | 6,035 |
| Average equity | $22,546,000 | 2,918 |
| Average total loans | $50,719,500 | 5,772 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5465% | 7,200 |
| Cost of funding earning assets | 1.8340% | 6,917 |
| Net interest margin | 3.7125% | 4,419 |
| Noninterest income to average assets | -0.2536% | 8,232 |
| Noninterest expense to average assets | 3.0201% | 4,011 |
| Loan and lease loss provision to assets | 2.0961% | 561 |
| Net operating income to assets | -1.1577% | 7,324 |
| Return on assets (ROA) | -1.0515% | 7,201 |
| Pretax return on assets | -1.6657% | 7,332 |
| Return on Equity (ROE) | -3.2813% | 6,655 |
| Retained earnings to average equity (ytd only) | -3.2813% | 6,171 |
| Net charge-offs to loans | 1.9214% | 572 |
| Credit loss provision to net charge-offs | 150.0491% | 3,498 |
| Earnings coverage of net charge-offs (x) | 0.1894% | 6,129 |
| Efficiency ratio | 91.9449% | 1,383 |
| Assets per employee ($millions) | 5.9114% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8439% | 6,926 |
| Loan loss allowance to noncurrent loans | 20.3067% | 7,227 |
| Noncurrent assets plus other real estate owned to assets | 3.3650% | 1,337 |
| Noncurrent loans to loans | 4.1556% | 1,170 |
| Net loans and leases to total assets | 72.3868% | 3,503 |
| Net loans and leases to deposits | 125.8924% | 271 |
| Net loans and leases to core deposits | 151.5211% | 799 |
| Total domestic deposits to total assets | 57.4989% | 8,026 |
| Equity capital to assets | 31.8184% | 151 |
| Core capital (leverage) ratio | 31.7190% | 166 |
| Tier 1 risk-based capital ratio | 50.4329% | 215 |
| Total risk-based capital ratio | 51.4157% | 214 |
| Memoranda: | ||
| Average total assets | $72,943,600 | 5,938 |
| Average earning assets | $69,521,600 | 5,839 |
| Average equity | $23,375,000 | 2,805 |
| Average total loans | $53,035,000 | 5,577 |