Home > PNB Community Bank > Performance and Condition Ratios
PNB Community 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 | 5.2012% | 1,659 |
| Cost of funding earning assets | 0.3591% | 4,328 |
| Net interest margin | 4.8421% | 396 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 3.3210% | 727 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 1.2134% | 1,619 |
| Return on assets (ROA) | 1.2134% | 1,588 |
| Pretax return on assets | 1.6172% | 1,206 |
| Return on Equity (ROE) | 16.7000% | 990 |
| Retained earnings to average equity (ytd only) | 9.1454% | 1,224 |
| Net charge-offs to loans | -0.1088% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.1712% | 2,091 |
| Assets per employee ($millions) | 3.9949% | 4,161 |
| Cash dividends to net income (ytd only)* | 45.2499% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 2,738 |
| Loan loss allowance to noncurrent loans | 54.4060% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.4640% | 263 |
| Noncurrent loans to loans | 2.0564% | 269 |
| Net loans and leases to total assets | 70.4000% | 1,763 |
| Net loans and leases to deposits | 77.0277% | 2,352 |
| Net loans and leases to core deposits | 79.3566% | 2,745 |
| Total domestic deposits to total assets | 91.3900% | 410 |
| Equity capital to assets | 7.2715% | 3,835 |
| Core capital (leverage) ratio | 9.2338% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $150,075,200 | 3,359 |
| Average earning assets | $142,025,800 | 3,323 |
| Average equity | $10,901,600 | 3,626 |
| Average total loans | $107,522,800 | 3,096 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1672% | 1,515 |
| Cost of funding earning assets | 0.2802% | 4,383 |
| Net interest margin | 4.8870% | 362 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 3.3287% | 694 |
| Loan and lease loss provision to assets | -0.0900% | 4,530 |
| Net operating income to assets | 1.2504% | 1,649 |
| Return on assets (ROA) | 1.2504% | 1,643 |
| Pretax return on assets | 1.6639% | 1,232 |
| Return on Equity (ROE) | 17.2200% | 1,040 |
| Retained earnings to average equity (ytd only) | 10.1281% | 1,367 |
| Net charge-offs to loans | -0.1262% | 4,529 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.8924% | 2,030 |
| Assets per employee ($millions) | 4.3449% | 4,028 |
| Cash dividends to net income (ytd only)* | 41.1765% | 1,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 1,949 |
| Loan loss allowance to noncurrent loans | 66.6667% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.4012% | 279 |
| Noncurrent loans to loans | 1.9237% | 328 |
| Net loans and leases to total assets | 71.9100% | 1,584 |
| Net loans and leases to deposits | 78.6016% | 2,186 |
| Net loans and leases to core deposits | 81.7131% | 2,489 |
| Total domestic deposits to total assets | 91.4800% | 561 |
| Equity capital to assets | 7.1673% | 3,528 |
| Core capital (leverage) ratio | 9.2504% | 3,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $148,643,750 | 3,386 |
| Average earning assets | $140,370,250 | 3,353 |
| Average equity | $10,794,750 | 3,642 |
| Average total loans | $106,672,750 | 3,108 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0253% | 1,521 |
| Cost of funding earning assets | 0.1939% | 4,436 |
| Net interest margin | 4.8313% | 385 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 3.2575% | 735 |
| Loan and lease loss provision to assets | -0.1300% | 4,585 |
| Net operating income to assets | 1.3025% | 1,564 |
| Return on assets (ROA) | 1.3025% | 1,549 |
| Pretax return on assets | 1.7214% | 1,165 |
| Return on Equity (ROE) | 17.8600% | 978 |
| Retained earnings to average equity (ytd only) | 15.0962% | 552 |
| Net charge-offs to loans | -0.3159% | 4,616 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.2395% | 2,073 |
| Assets per employee ($millions) | 3.9270% | 4,214 |
| Cash dividends to net income (ytd only)* | 15.4639% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 1,767 |
| Loan loss allowance to noncurrent loans | 78.1317% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 319 |
| Noncurrent loans to loans | 1.7112% | 360 |
| Net loans and leases to total assets | 71.5500% | 1,579 |
| Net loans and leases to deposits | 78.4602% | 2,095 |
| Net loans and leases to core deposits | 81.3522% | 2,383 |
| Total domestic deposits to total assets | 91.2000% | 590 |
| Equity capital to assets | 7.4625% | 3,540 |
| Core capital (leverage) ratio | 9.2838% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $148,949,667 | 3,389 |
| Average earning assets | $140,251,333 | 3,364 |
| Average equity | $10,863,667 | 3,644 |
| Average total loans | $106,362,667 | 3,105 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7718% | 1,685 |
| Cost of funding earning assets | 0.1347% | 4,487 |
| Net interest margin | 4.6371% | 487 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 3.1557% | 855 |
| Loan and lease loss provision to assets | -0.2700% | 4,640 |
| Net operating income to assets | 1.3171% | 1,629 |
| Return on assets (ROA) | 1.3171% | 1,598 |
| Pretax return on assets | 1.7714% | 1,124 |
| Return on Equity (ROE) | 18.2700% | 992 |
| Retained earnings to average equity (ytd only) | 12.6777% | 1,148 |
| Net charge-offs to loans | -0.5767% | 4,664 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.7438% | 2,001 |
| Assets per employee ($millions) | 3.9688% | 4,271 |
| Cash dividends to net income (ytd only)* | 30.6122% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 1,845 |
| Loan loss allowance to noncurrent loans | 81.1224% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1697% | 316 |
| Noncurrent loans to loans | 1.6560% | 384 |
| Net loans and leases to total assets | 69.6800% | 1,660 |
| Net loans and leases to deposits | 76.2090% | 2,094 |
| Net loans and leases to core deposits | 78.0896% | 2,382 |
| Total domestic deposits to total assets | 91.4400% | 662 |
| Equity capital to assets | 7.1227% | 3,772 |
| Core capital (leverage) ratio | 9.0513% | 3,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $148,811,500 | 3,438 |
| Average earning assets | $139,569,000 | 3,412 |
| Average equity | $10,727,500 | 3,698 |
| Average total loans | $105,431,500 | 3,142 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 1,193 |
| Cost of funding earning assets | 0.0360% | 4,601 |
| Net interest margin | 4.1931% | 545 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 3.2281% | 688 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7679% | 3,428 |
| Return on assets (ROA) | 0.7679% | 3,371 |
| Pretax return on assets | 1.0200% | 3,021 |
| Return on Equity (ROE) | 10.1400% | 2,767 |
| Retained earnings to average equity (ytd only) | 6.3915% | 2,498 |
| Net charge-offs to loans | -0.0601% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.9892% | 1,009 |
| Assets per employee ($millions) | 3.9678% | 4,294 |
| Cash dividends to net income (ytd only)* | 36.9815% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 3,762 |
| Loan loss allowance to noncurrent loans | 86.8203% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.7391% | 643 |
| Noncurrent loans to loans | 1.0399% | 698 |
| Net loans and leases to total assets | 70.4300% | 1,596 |
| Net loans and leases to deposits | 77.2190% | 2,017 |
| Net loans and leases to core deposits | 79.1792% | 2,187 |
| Total domestic deposits to total assets | 91.2100% | 868 |
| Equity capital to assets | 7.2972% | 3,492 |
| Core capital (leverage) ratio | 9.0221% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $147,549,400 | 3,467 |
| Average earning assets | $139,012,600 | 3,428 |
| Average equity | $11,171,000 | 3,748 |
| Average total loans | $98,101,600 | 3,176 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1034% | 1,060 |
| Cost of funding earning assets | 0.0364% | 4,624 |
| Net interest margin | 4.0670% | 547 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 3.1976% | 693 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6976% | 3,572 |
| Return on assets (ROA) | 0.6976% | 3,535 |
| Pretax return on assets | 0.9368% | 3,215 |
| Return on Equity (ROE) | 9.1300% | 2,997 |
| Retained earnings to average equity (ytd only) | 5.5882% | 2,895 |
| Net charge-offs to loans | -0.1105% | 4,517 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.3412% | 966 |
| Assets per employee ($millions) | 4.0775% | 4,285 |
| Cash dividends to net income (ytd only)* | 38.8098% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 3,722 |
| Loan loss allowance to noncurrent loans | 88.9917% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7165% | 720 |
| Noncurrent loans to loans | 1.0592% | 718 |
| Net loans and leases to total assets | 67.0100% | 1,785 |
| Net loans and leases to deposits | 73.1299% | 2,118 |
| Net loans and leases to core deposits | 75.0713% | 2,273 |
| Total domestic deposits to total assets | 91.6300% | 1,001 |
| Equity capital to assets | 6.8736% | 3,576 |
| Core capital (leverage) ratio | 8.8191% | 3,784 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8855% | 1,199 |
| Memoranda: | ||
| Average total assets | $147,734,250 | 3,491 |
| Average earning assets | $139,133,750 | 3,452 |
| Average equity | $11,285,500 | 3,781 |
| Average total loans | $96,542,250 | 3,212 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 956 |
| Cost of funding earning assets | 0.0376% | 4,663 |
| Net interest margin | 3.9483% | 559 |
| Noninterest income to average assets | 0.2945% | 3,402 |
| Noninterest expense to average assets | 3.2027% | 624 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6054% | 3,615 |
| Return on assets (ROA) | 0.6054% | 3,561 |
| Pretax return on assets | 0.8099% | 3,299 |
| Return on Equity (ROE) | 7.6613% | 3,113 |
| Retained earnings to average equity (ytd only) | 2.4848% | 3,620 |
| Net charge-offs to loans | -0.1267% | 4,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8165% | 962 |
| Assets per employee ($millions) | 3.6916% | 4,494 |
| Cash dividends to net income (ytd only)* | 67.5676% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 3,819 |
| Loan loss allowance to noncurrent loans | 87.3148% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 733 |
| Noncurrent loans to loans | 1.0812% | 766 |
| Net loans and leases to total assets | 67.0064% | 1,583 |
| Net loans and leases to deposits | 73.3324% | 1,930 |
| Net loans and leases to core deposits | 75.1989% | 2,075 |
| Total domestic deposits to total assets | 91.3735% | 1,074 |
| Equity capital to assets | 7.0269% | 3,755 |
| Core capital (leverage) ratio | 8.5958% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,689,667 | 3,534 |
| Average earning assets | $138,135,000 | 3,511 |
| Average equity | $11,590,667 | 3,828 |
| Average total loans | $94,704,333 | 3,262 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8403% | 1,017 |
| Cost of funding earning assets | 0.0404% | 4,657 |
| Net interest margin | 3.7999% | 634 |
| Noninterest income to average assets | 0.3064% | 3,272 |
| Noninterest expense to average assets | 3.1244% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5964% | 3,406 |
| Return on assets (ROA) | 0.5964% | 3,389 |
| Pretax return on assets | 0.7852% | 3,154 |
| Return on Equity (ROE) | 7.1487% | 2,992 |
| Retained earnings to average equity (ytd only) | -2.6890% | 4,290 |
| Net charge-offs to loans | -0.1086% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9160% | 1,162 |
| Assets per employee ($millions) | 4.2213% | 4,290 |
| Cash dividends to net income (ytd only)* | 137.6147% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9697% | 3,839 |
| Loan loss allowance to noncurrent loans | 83.7638% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7133% | 792 |
| Noncurrent loans to loans | 1.1576% | 764 |
| Net loans and leases to total assets | 61.0215% | 1,960 |
| Net loans and leases to deposits | 67.2483% | 2,221 |
| Net loans and leases to core deposits | 68.7816% | 2,388 |
| Total domestic deposits to total assets | 90.7407% | 1,163 |
| Equity capital to assets | 7.6570% | 3,825 |
| Core capital (leverage) ratio | 8.8044% | 3,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,203,500 | 3,554 |
| Average earning assets | $138,636,000 | 3,514 |
| Average equity | $12,198,000 | 3,841 |
| Average total loans | $92,113,500 | 3,299 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 1,796 |
| Cost of funding earning assets | 0.0846% | 4,500 |
| Net interest margin | 3.7446% | 1,111 |
| Noninterest income to average assets | 0.3631% | 3,257 |
| Noninterest expense to average assets | 3.2732% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4998% | 4,085 |
| Return on assets (ROA) | 0.4998% | 4,129 |
| Pretax return on assets | 0.6890% | 3,951 |
| Return on Equity (ROE) | 5.2131% | 3,949 |
| Retained earnings to average equity (ytd only) | 4.8170% | 2,851 |
| Net charge-offs to loans | -0.1924% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6112% | 639 |
| Assets per employee ($millions) | 3.6958% | 4,533 |
| Cash dividends to net income (ytd only)* | 7.5988% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 3,852 |
| Loan loss allowance to noncurrent loans | 874.2574% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 3,457 |
| Noncurrent loans to loans | 0.1115% | 3,370 |
| Net loans and leases to total assets | 63.8731% | 1,715 |
| Net loans and leases to deposits | 70.3583% | 2,096 |
| Net loans and leases to core deposits | 72.0966% | 2,248 |
| Total domestic deposits to total assets | 90.7826% | 585 |
| Equity capital to assets | 9.0857% | 3,531 |
| Core capital (leverage) ratio | 9.2311% | 3,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,646,600 | 3,660 |
| Average earning assets | $126,530,000 | 3,611 |
| Average equity | $12,622,000 | 3,867 |
| Average total loans | $81,083,800 | 3,460 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8291% | 1,952 |
| Cost of funding earning assets | 0.0931% | 4,555 |
| Net interest margin | 3.7360% | 1,261 |
| Noninterest income to average assets | 0.3595% | 3,306 |
| Noninterest expense to average assets | 3.3279% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4656% | 4,263 |
| Return on assets (ROA) | 0.4656% | 4,303 |
| Pretax return on assets | 0.6273% | 4,196 |
| Return on Equity (ROE) | 4.7877% | 4,165 |
| Retained earnings to average equity (ytd only) | 4.7877% | 3,296 |
| Net charge-offs to loans | -0.1457% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1406% | 509 |
| Assets per employee ($millions) | 3.7284% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 4,042 |
| Loan loss allowance to noncurrent loans | 2,543.7500% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 4,029 |
| Noncurrent loans to loans | 0.0369% | 3,943 |
| Net loans and leases to total assets | 62.3327% | 1,968 |
| Net loans and leases to deposits | 68.8383% | 2,353 |
| Net loans and leases to core deposits | 70.5739% | 2,544 |
| Total domestic deposits to total assets | 90.5495% | 534 |
| Equity capital to assets | 9.2976% | 3,561 |
| Core capital (leverage) ratio | 9.4222% | 3,091 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,448,000 | 3,720 |
| Average earning assets | $124,586,500 | 3,671 |
| Average equity | $12,587,500 | 3,926 |
| Average total loans | $78,708,000 | 3,546 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 2,197 |
| Cost of funding earning assets | 0.1017% | 4,572 |
| Net interest margin | 3.6490% | 1,468 |
| Noninterest income to average assets | 0.3554% | 3,338 |
| Noninterest expense to average assets | 3.3598% | 568 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3680% | 4,442 |
| Return on assets (ROA) | 0.3680% | 4,478 |
| Pretax return on assets | 0.5086% | 4,380 |
| Return on Equity (ROE) | 3.7256% | 4,375 |
| Retained earnings to average equity (ytd only) | 3.7256% | 3,611 |
| Net charge-offs to loans | -0.1131% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8518% | 442 |
| Assets per employee ($millions) | 3.3255% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9364% | 4,041 |
| Loan loss allowance to noncurrent loans | 2,333.3333% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 4,096 |
| Noncurrent loans to loans | 0.0401% | 3,992 |
| Net loans and leases to total assets | 61.2421% | 2,275 |
| Net loans and leases to deposits | 67.7689% | 2,640 |
| Net loans and leases to core deposits | 69.8755% | 2,796 |
| Total domestic deposits to total assets | 90.3690% | 615 |
| Equity capital to assets | 9.4386% | 3,394 |
| Core capital (leverage) ratio | 9.5721% | 2,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,614,000 | 3,770 |
| Average earning assets | $121,895,333 | 3,712 |
| Average equity | $12,508,000 | 3,943 |
| Average total loans | $76,010,000 | 3,616 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 2,013 |
| Cost of funding earning assets | 0.1078% | 4,606 |
| Net interest margin | 3.7219% | 1,288 |
| Noninterest income to average assets | 0.3403% | 3,395 |
| Noninterest expense to average assets | 3.4616% | 495 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3144% | 4,495 |
| Return on assets (ROA) | 0.3144% | 4,533 |
| Pretax return on assets | 0.4602% | 4,407 |
| Return on Equity (ROE) | 3.1079% | 4,452 |
| Retained earnings to average equity (ytd only) | 3.1079% | 3,745 |
| Net charge-offs to loans | -0.0878% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2645% | 433 |
| Assets per employee ($millions) | 3.6148% | 4,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,845 |
| Loan loss allowance to noncurrent loans | 2,185.2941% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 4,174 |
| Noncurrent loans to loans | 0.0456% | 4,058 |
| Net loans and leases to total assets | 58.2973% | 2,768 |
| Net loans and leases to deposits | 64.7221% | 3,058 |
| Net loans and leases to core deposits | 67.1315% | 3,145 |
| Total domestic deposits to total assets | 90.0733% | 787 |
| Equity capital to assets | 9.7734% | 2,925 |
| Core capital (leverage) ratio | 10.0822% | 2,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,412,000 | 3,824 |
| Average earning assets | $118,756,000 | 3,756 |
| Average equity | $12,484,500 | 3,957 |
| Average total loans | $72,898,500 | 3,687 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1668% | 2,238 |
| Cost of funding earning assets | 0.1651% | 4,689 |
| Net interest margin | 4.0018% | 972 |
| Noninterest income to average assets | 0.4530% | 2,857 |
| Noninterest expense to average assets | 3.6756% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.4570% | 4,122 |
| Return on assets (ROA) | 0.4688% | 4,179 |
| Pretax return on assets | 0.6306% | 4,020 |
| Return on Equity (ROE) | 4.2756% | 4,093 |
| Retained earnings to average equity (ytd only) | 1.8691% | 3,883 |
| Net charge-offs to loans | -0.1339% | 4,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6528% | 544 |
| Assets per employee ($millions) | 3.2515% | 4,738 |
| Cash dividends to net income (ytd only)* | 56.2852% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0197% | 3,797 |
| Loan loss allowance to noncurrent loans | 2,019.4444% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 4,210 |
| Noncurrent loans to loans | 0.0505% | 4,091 |
| Net loans and leases to total assets | 58.6591% | 3,016 |
| Net loans and leases to deposits | 65.6529% | 3,308 |
| Net loans and leases to core deposits | 68.2485% | 3,393 |
| Total domestic deposits to total assets | 89.3473% | 831 |
| Equity capital to assets | 10.4765% | 2,693 |
| Core capital (leverage) ratio | 10.2572% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,697,000 | 3,830 |
| Average earning assets | $109,051,400 | 3,780 |
| Average equity | $12,466,000 | 3,926 |
| Average total loans | $69,473,600 | 3,750 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2648% | 2,206 |
| Cost of funding earning assets | 0.1789% | 4,730 |
| Net interest margin | 4.0859% | 920 |
| Noninterest income to average assets | 0.4867% | 2,669 |
| Noninterest expense to average assets | 3.6937% | 534 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5266% | 3,963 |
| Return on assets (ROA) | 0.5426% | 4,019 |
| Pretax return on assets | 0.7271% | 3,837 |
| Return on Equity (ROE) | 4.8907% | 3,924 |
| Retained earnings to average equity (ytd only) | 4.8907% | 2,604 |
| Net charge-offs to loans | -0.1217% | 4,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9373% | 604 |
| Assets per employee ($millions) | 3.3454% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 3,719 |
| Loan loss allowance to noncurrent loans | 1,784.6154% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,296 |
| Noncurrent loans to loans | 0.0558% | 4,151 |
| Net loans and leases to total assets | 57.4062% | 3,477 |
| Net loans and leases to deposits | 64.4324% | 3,761 |
| Net loans and leases to core deposits | 66.9799% | 3,827 |
| Total domestic deposits to total assets | 89.0952% | 731 |
| Equity capital to assets | 10.6898% | 2,630 |
| Core capital (leverage) ratio | 10.5258% | 2,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,044,500 | 3,850 |
| Average earning assets | $107,326,500 | 3,802 |
| Average equity | $12,431,500 | 3,930 |
| Average total loans | $69,017,500 | 3,770 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 2,217 |
| Cost of funding earning assets | 0.2006% | 4,765 |
| Net interest margin | 4.1981% | 926 |
| Noninterest income to average assets | 0.4430% | 2,838 |
| Noninterest expense to average assets | 3.7053% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5667% | 3,838 |
| Return on assets (ROA) | 0.5913% | 3,851 |
| Pretax return on assets | 0.7909% | 3,618 |
| Return on Equity (ROE) | 5.2589% | 3,756 |
| Retained earnings to average equity (ytd only) | 5.2589% | 2,360 |
| Net charge-offs to loans | -0.1280% | 4,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9848% | 696 |
| Assets per employee ($millions) | 3.2761% | 4,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 3,837 |
| Loan loss allowance to noncurrent loans | 1,616.6667% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 4,367 |
| Noncurrent loans to loans | 0.0581% | 4,241 |
| Net loans and leases to total assets | 60.6700% | 3,244 |
| Net loans and leases to deposits | 68.1782% | 3,547 |
| Net loans and leases to core deposits | 70.9345% | 3,647 |
| Total domestic deposits to total assets | 88.9874% | 750 |
| Equity capital to assets | 10.8074% | 2,492 |
| Core capital (leverage) ratio | 10.9428% | 2,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,248,333 | 3,877 |
| Average earning assets | $104,666,667 | 3,830 |
| Average equity | $12,284,000 | 3,949 |
| Average total loans | $68,746,000 | 3,780 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6491% | 1,858 |
| Cost of funding earning assets | 0.2552% | 4,761 |
| Net interest margin | 4.3939% | 631 |
| Noninterest income to average assets | 0.4995% | 2,549 |
| Noninterest expense to average assets | 3.7978% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6656% | 3,386 |
| Return on assets (ROA) | 0.7168% | 3,300 |
| Pretax return on assets | 0.9685% | 2,941 |
| Return on Equity (ROE) | 6.2391% | 3,226 |
| Retained earnings to average equity (ytd only) | 6.2391% | 1,792 |
| Net charge-offs to loans | -0.2388% | 4,960 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7786% | 1,062 |
| Assets per employee ($millions) | 2.8337% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 3,770 |
| Loan loss allowance to noncurrent loans | 1,294.2308% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 4,348 |
| Noncurrent loans to loans | 0.0763% | 4,209 |
| Net loans and leases to total assets | 64.3286% | 3,026 |
| Net loans and leases to deposits | 72.9990% | 3,355 |
| Net loans and leases to core deposits | 76.4053% | 3,468 |
| Total domestic deposits to total assets | 88.1226% | 1,057 |
| Equity capital to assets | 11.7382% | 2,256 |
| Core capital (leverage) ratio | 11.5843% | 2,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5321% | 798 |
| Memoranda: | ||
| Average total assets | $104,903,500 | 3,914 |
| Average earning assets | $100,321,500 | 3,870 |
| Average equity | $12,053,000 | 3,993 |
| Average total loans | $67,003,000 | 3,820 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 2,416 |
| Cost of funding earning assets | 0.2725% | 4,794 |
| Net interest margin | 4.3953% | 899 |
| Noninterest income to average assets | 0.4058% | 3,261 |
| Noninterest expense to average assets | 3.8821% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.5207% | 4,361 |
| Return on assets (ROA) | 0.5766% | 4,282 |
| Pretax return on assets | 0.7756% | 4,032 |
| Return on Equity (ROE) | 5.2061% | 4,160 |
| Retained earnings to average equity (ytd only) | 2.5767% | 3,746 |
| Net charge-offs to loans | 0.1809% | 1,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,964 |
| Efficiency ratio | 84.6349% | 624 |
| Assets per employee ($millions) | 2.9156% | 4,859 |
| Cash dividends to net income (ytd only)* | 50.5051% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9607% | 3,695 |
| Loan loss allowance to noncurrent loans | 243.4615% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 3,450 |
| Noncurrent loans to loans | 0.3946% | 3,022 |
| Net loans and leases to total assets | 62.1698% | 3,381 |
| Net loans and leases to deposits | 70.1686% | 3,654 |
| Net loans and leases to core deposits | 73.4131% | 3,765 |
| Total domestic deposits to total assets | 88.6005% | 838 |
| Equity capital to assets | 11.2413% | 2,769 |
| Core capital (leverage) ratio | 11.2659% | 2,280 |
| Tier 1 risk-based capital ratio | 19.9660% | 1,333 |
| Total risk-based capital ratio | 21.0309% | 1,327 |
| Memoranda: | ||
| Average total assets | $103,011,200 | 3,953 |
| Average earning assets | $97,991,800 | 3,910 |
| Average equity | $11,409,800 | 4,067 |
| Average total loans | $60,807,600 | 3,971 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6591% | 2,530 |
| Cost of funding earning assets | 0.2741% | 4,859 |
| Net interest margin | 4.3850% | 981 |
| Noninterest income to average assets | 0.4057% | 3,278 |
| Noninterest expense to average assets | 3.9066% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.4881% | 4,544 |
| Return on assets (ROA) | 0.5631% | 4,428 |
| Pretax return on assets | 0.7556% | 4,229 |
| Return on Equity (ROE) | 5.1034% | 4,300 |
| Retained earnings to average equity (ytd only) | 5.1034% | 2,845 |
| Net charge-offs to loans | 0.2643% | 663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 4.3051% | 3,021 |
| Efficiency ratio | 85.5353% | 525 |
| Assets per employee ($millions) | 2.7514% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,520 |
| Loan loss allowance to noncurrent loans | 206.9536% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 3,397 |
| Noncurrent loans to loans | 0.4878% | 2,836 |
| Net loans and leases to total assets | 58.6189% | 3,815 |
| Net loans and leases to deposits | 66.4163% | 4,035 |
| Net loans and leases to core deposits | 69.4942% | 4,076 |
| Total domestic deposits to total assets | 88.2598% | 933 |
| Equity capital to assets | 11.4877% | 2,668 |
| Core capital (leverage) ratio | 11.4490% | 2,257 |
| Tier 1 risk-based capital ratio | 21.2494% | 1,164 |
| Total risk-based capital ratio | 22.3607% | 1,161 |
| Memoranda: | ||
| Average total assets | $102,523,750 | 4,003 |
| Average earning assets | $97,299,000 | 3,957 |
| Average equity | $11,312,500 | 4,122 |
| Average total loans | $59,537,750 | 4,040 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 2,474 |
| Cost of funding earning assets | 0.2673% | 4,907 |
| Net interest margin | 4.3946% | 950 |
| Noninterest income to average assets | 0.3869% | 3,356 |
| Noninterest expense to average assets | 3.9726% | 557 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.4261% | 4,687 |
| Return on assets (ROA) | 0.4261% | 4,709 |
| Pretax return on assets | 0.5793% | 4,581 |
| Return on Equity (ROE) | 3.9171% | 4,609 |
| Retained earnings to average equity (ytd only) | 3.9171% | 3,291 |
| Net charge-offs to loans | 0.4426% | 371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2.2692% | 2,955 |
| Efficiency ratio | 87.2735% | 479 |
| Assets per employee ($millions) | 2.9662% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 3,386 |
| Loan loss allowance to noncurrent loans | 116.9847% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 2,532 |
| Noncurrent loans to loans | 0.8900% | 1,831 |
| Net loans and leases to total assets | 56.1218% | 4,074 |
| Net loans and leases to deposits | 63.3463% | 4,255 |
| Net loans and leases to core deposits | 66.1009% | 4,312 |
| Total domestic deposits to total assets | 88.5953% | 833 |
| Equity capital to assets | 11.1995% | 2,859 |
| Core capital (leverage) ratio | 11.3607% | 2,288 |
| Tier 1 risk-based capital ratio | 21.8112% | 1,076 |
| Total risk-based capital ratio | 22.9575% | 1,064 |
| Memoranda: | ||
| Average total assets | $101,846,670 | 4,037 |
| Average earning assets | $96,527,330 | 3,997 |
| Average equity | $11,079,670 | 4,160 |
| Average total loans | $58,745,670 | 4,077 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 2,382 |
| Cost of funding earning assets | 0.2510% | 4,977 |
| Net interest margin | 4.3975% | 914 |
| Noninterest income to average assets | 0.3966% | 3,202 |
| Noninterest expense to average assets | 4.0570% | 497 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3728% | 4,784 |
| Return on assets (ROA) | 0.3728% | 4,789 |
| Pretax return on assets | 0.5076% | 4,665 |
| Return on Equity (ROE) | 3.4795% | 4,681 |
| Retained earnings to average equity (ytd only) | 3.4795% | 3,520 |
| Net charge-offs to loans | -0.0750% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8792% | 439 |
| Assets per employee ($millions) | 2.9456% | 5,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2645% | 2,255 |
| Loan loss allowance to noncurrent loans | 316.8067% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 3,580 |
| Noncurrent loans to loans | 0.3992% | 3,158 |
| Net loans and leases to total assets | 57.1035% | 3,981 |
| Net loans and leases to deposits | 64.0742% | 4,177 |
| Net loans and leases to core deposits | 66.6765% | 4,251 |
| Total domestic deposits to total assets | 89.1209% | 806 |
| Equity capital to assets | 10.7181% | 3,147 |
| Core capital (leverage) ratio | 11.2737% | 2,319 |
| Tier 1 risk-based capital ratio | 21.3235% | 1,126 |
| Total risk-based capital ratio | 22.5739% | 1,109 |
| Memoranda: | ||
| Average total assets | $100,861,500 | 4,093 |
| Average earning assets | $95,600,500 | 4,049 |
| Average equity | $10,806,000 | 4,225 |
| Average total loans | $58,680,000 | 4,120 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 2,037 |
| Cost of funding earning assets | 0.2020% | 4,992 |
| Net interest margin | 4.4340% | 873 |
| Noninterest income to average assets | 0.3298% | 3,895 |
| Noninterest expense to average assets | 4.0487% | 498 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3228% | 4,980 |
| Return on assets (ROA) | 0.3228% | 4,974 |
| Pretax return on assets | 0.4364% | 4,894 |
| Return on Equity (ROE) | 3.0915% | 4,881 |
| Retained earnings to average equity (ytd only) | 1.5744% | 4,507 |
| Net charge-offs to loans | -0.0880% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2710% | 332 |
| Assets per employee ($millions) | 2.5289% | 5,199 |
| Cash dividends to net income (ytd only)* | 49.0741% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2869% | 2,112 |
| Loan loss allowance to noncurrent loans | 215.9884% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 2,782 |
| Noncurrent loans to loans | 0.5958% | 2,500 |
| Net loans and leases to total assets | 57.7850% | 3,990 |
| Net loans and leases to deposits | 64.7942% | 4,206 |
| Net loans and leases to core deposits | 67.5473% | 4,265 |
| Total domestic deposits to total assets | 89.1824% | 783 |
| Equity capital to assets | 10.7091% | 2,969 |
| Core capital (leverage) ratio | 11.3965% | 2,178 |
| Tier 1 risk-based capital ratio | 21.7965% | 1,055 |
| Total risk-based capital ratio | 23.0468% | 1,037 |
| Memoranda: | ||
| Average total assets | $100,377,600 | 4,091 |
| Average earning assets | $94,068,600 | 4,067 |
| Average equity | $10,480,200 | 4,237 |
| Average total loans | $56,802,800 | 4,166 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5959% | 1,985 |
| Cost of funding earning assets | 0.1940% | 5,037 |
| Net interest margin | 4.4020% | 895 |
| Noninterest income to average assets | 0.2857% | 4,244 |
| Noninterest expense to average assets | 4.0337% | 506 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2685% | 5,135 |
| Return on assets (ROA) | 0.2685% | 5,128 |
| Pretax return on assets | 0.3637% | 5,072 |
| Return on Equity (ROE) | 2.5876% | 5,060 |
| Retained earnings to average equity (ytd only) | 2.5876% | 4,372 |
| Net charge-offs to loans | -0.0731% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7293% | 287 |
| Assets per employee ($millions) | 2.3742% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,468 |
| Loan loss allowance to noncurrent loans | 65.1978% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.2410% | 1,120 |
| Noncurrent loans to loans | 1.8833% | 805 |
| Net loans and leases to total assets | 59.9135% | 3,851 |
| Net loans and leases to deposits | 67.1236% | 4,116 |
| Net loans and leases to core deposits | 69.1753% | 4,237 |
| Total domestic deposits to total assets | 89.2585% | 750 |
| Equity capital to assets | 10.5669% | 3,078 |
| Core capital (leverage) ratio | 11.3136% | 2,323 |
| Tier 1 risk-based capital ratio | 20.7753% | 1,215 |
| Total risk-based capital ratio | 22.0260% | 1,188 |
| Memoranda: | ||
| Average total assets | $100,815,500 | 4,133 |
| Average earning assets | $94,168,000 | 4,103 |
| Average equity | $10,459,750 | 4,279 |
| Average total loans | $56,570,000 | 4,216 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5175% | 2,035 |
| Cost of funding earning assets | 0.1929% | 5,061 |
| Net interest margin | 4.3246% | 994 |
| Noninterest income to average assets | 0.2412% | 4,568 |
| Noninterest expense to average assets | 3.9952% | 536 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2197% | 5,214 |
| Return on assets (ROA) | 0.2197% | 5,208 |
| Pretax return on assets | 0.2922% | 5,173 |
| Return on Equity (ROE) | 2.1297% | 5,161 |
| Retained earnings to average equity (ytd only) | 2.1297% | 4,420 |
| Net charge-offs to loans | -0.0753% | 5,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1839% | 281 |
| Assets per employee ($millions) | 2.4488% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,423 |
| Loan loss allowance to noncurrent loans | 70.7631% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 1,153 |
| Noncurrent loans to loans | 1.7691% | 887 |
| Net loans and leases to total assets | 56.0961% | 4,157 |
| Net loans and leases to deposits | 62.6199% | 4,382 |
| Net loans and leases to core deposits | 64.0980% | 4,480 |
| Total domestic deposits to total assets | 89.5818% | 712 |
| Equity capital to assets | 10.2808% | 3,360 |
| Core capital (leverage) ratio | 10.8972% | 2,615 |
| Tier 1 risk-based capital ratio | 20.5306% | 1,245 |
| Total risk-based capital ratio | 21.7804% | 1,217 |
| Memoranda: | ||
| Average total assets | $101,973,330 | 4,144 |
| Average earning assets | $95,406,670 | 4,122 |
| Average equity | $10,517,670 | 4,305 |
| Average total loans | $55,744,670 | 4,263 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 2,417 |
| Cost of funding earning assets | 0.1912% | 5,070 |
| Net interest margin | 4.1395% | 1,337 |
| Noninterest income to average assets | 0.3542% | 3,779 |
| Noninterest expense to average assets | 3.8809% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2569% | 5,163 |
| Return on assets (ROA) | 0.2569% | 5,165 |
| Pretax return on assets | 0.3503% | 5,102 |
| Return on Equity (ROE) | 2.4869% | 5,108 |
| Retained earnings to average equity (ytd only) | 2.4869% | 4,172 |
| Net charge-offs to loans | -0.1089% | 5,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7203% | 373 |
| Assets per employee ($millions) | 3.2583% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,353 |
| Loan loss allowance to noncurrent loans | 99.1597% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 1,328 |
| Noncurrent loans to loans | 1.2881% | 1,395 |
| Net loans and leases to total assets | 52.4826% | 4,407 |
| Net loans and leases to deposits | 58.3485% | 4,569 |
| Net loans and leases to core deposits | 59.8449% | 4,666 |
| Total domestic deposits to total assets | 89.9468% | 677 |
| Equity capital to assets | 9.9333% | 3,664 |
| Core capital (leverage) ratio | 10.8475% | 2,580 |
| Tier 1 risk-based capital ratio | 20.2581% | 1,304 |
| Total risk-based capital ratio | 21.5070% | 1,275 |
| Memoranda: | ||
| Average total assets | $102,759,500 | 4,180 |
| Average earning assets | $96,242,500 | 4,154 |
| Average equity | $10,615,500 | 4,334 |
| Average total loans | $55,099,500 | 4,324 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2214% | 2,608 |
| Cost of funding earning assets | 0.1951% | 4,987 |
| Net interest margin | 4.0263% | 1,669 |
| Noninterest income to average assets | 0.2939% | 4,352 |
| Noninterest expense to average assets | 3.7292% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1674% | 5,164 |
| Return on assets (ROA) | 0.1674% | 5,175 |
| Pretax return on assets | 0.3202% | 5,190 |
| Return on Equity (ROE) | 1.5751% | 5,143 |
| Retained earnings to average equity (ytd only) | 0.0183% | 5,001 |
| Net charge-offs to loans | -0.0518% | 5,200 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0932% | 351 |
| Assets per employee ($millions) | 2.6646% | 5,395 |
| Cash dividends to net income (ytd only)* | 98.8372% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,390 |
| Loan loss allowance to noncurrent loans | 83.9178% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 1.3659% | 1,041 |
| Noncurrent loans to loans | 1.5100% | 1,127 |
| Net loans and leases to total assets | 53.4063% | 4,405 |
| Net loans and leases to deposits | 59.9001% | 4,572 |
| Net loans and leases to core deposits | 61.4968% | 4,682 |
| Total domestic deposits to total assets | 89.1589% | 925 |
| Equity capital to assets | 10.7393% | 2,909 |
| Core capital (leverage) ratio | 10.8203% | 2,516 |
| Tier 1 risk-based capital ratio | 20.7661% | 1,181 |
| Total risk-based capital ratio | 22.0193% | 1,155 |
| Memoranda: | ||
| Average total assets | $102,755,800 | 4,190 |
| Average earning assets | $95,846,000 | 4,162 |
| Average equity | $10,919,600 | 4,311 |
| Average total loans | $52,109,600 | 4,407 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 2,774 |
| Cost of funding earning assets | 0.1943% | 5,022 |
| Net interest margin | 3.9601% | 1,835 |
| Noninterest income to average assets | 0.3633% | 3,929 |
| Noninterest expense to average assets | 3.6988% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3633% | 5,072 |
| Return on assets (ROA) | 0.3633% | 5,094 |
| Pretax return on assets | 0.3542% | 5,251 |
| Return on Equity (ROE) | 3.4275% | 5,004 |
| Retained earnings to average equity (ytd only) | 3.4275% | 3,887 |
| Net charge-offs to loans | -0.0570% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2600% | 366 |
| Assets per employee ($millions) | 3.4102% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 2,341 |
| Loan loss allowance to noncurrent loans | 75.9076% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 1.4312% | 1,080 |
| Noncurrent loans to loans | 1.7171% | 1,052 |
| Net loans and leases to total assets | 49.4235% | 4,742 |
| Net loans and leases to deposits | 55.4090% | 4,900 |
| Net loans and leases to core deposits | 56.8208% | 4,957 |
| Total domestic deposits to total assets | 89.1976% | 780 |
| Equity capital to assets | 10.6445% | 3,225 |
| Core capital (leverage) ratio | 10.8207% | 2,621 |
| Tier 1 risk-based capital ratio | 21.3689% | 1,129 |
| Total risk-based capital ratio | 22.6222% | 1,113 |
| Memoranda: | ||
| Average total assets | $103,131,250 | 4,225 |
| Average earning assets | $96,088,500 | 4,205 |
| Average equity | $10,931,000 | 4,351 |
| Average total loans | $51,444,500 | 4,459 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 2,677 |
| Cost of funding earning assets | 0.1931% | 5,045 |
| Net interest margin | 3.9558% | 1,753 |
| Noninterest income to average assets | 0.3501% | 4,052 |
| Noninterest expense to average assets | 3.7274% | 747 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3227% | 5,167 |
| Return on assets (ROA) | 0.3227% | 5,187 |
| Pretax return on assets | 0.3090% | 5,324 |
| Return on Equity (ROE) | 3.0489% | 5,110 |
| Retained earnings to average equity (ytd only) | 3.0489% | 3,899 |
| Net charge-offs to loans | -0.0432% | 5,109 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3450% | 352 |
| Assets per employee ($millions) | 3.2875% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 2,283 |
| Loan loss allowance to noncurrent loans | 74.2077% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 1,028 |
| Noncurrent loans to loans | 1.7899% | 1,010 |
| Net loans and leases to total assets | 49.4947% | 4,739 |
| Net loans and leases to deposits | 55.6609% | 4,863 |
| Net loans and leases to core deposits | 57.1375% | 4,942 |
| Total domestic deposits to total assets | 88.9218% | 995 |
| Equity capital to assets | 10.9222% | 2,903 |
| Core capital (leverage) ratio | 10.8980% | 2,508 |
| Tier 1 risk-based capital ratio | 22.4046% | 1,003 |
| Total risk-based capital ratio | 23.6596% | 986 |
| Memoranda: | ||
| Average total assets | $102,269,330 | 4,265 |
| Average earning assets | $95,304,000 | 4,245 |
| Average equity | $10,823,670 | 4,385 |
| Average total loans | $50,946,330 | 4,502 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 2,811 |
| Cost of funding earning assets | 0.1921% | 5,046 |
| Net interest margin | 3.8661% | 1,901 |
| Noninterest income to average assets | 0.3553% | 3,994 |
| Noninterest expense to average assets | 3.7053% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2655% | 5,273 |
| Return on assets (ROA) | 0.2655% | 5,290 |
| Pretax return on assets | 0.2655% | 5,357 |
| Return on Equity (ROE) | 2.5492% | 5,215 |
| Retained earnings to average equity (ytd only) | 2.5492% | 4,120 |
| Net charge-offs to loans | -0.0472% | 5,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3137% | 407 |
| Assets per employee ($millions) | 3.1867% | 5,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3200% | 2,439 |
| Loan loss allowance to noncurrent loans | 53.2016% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 1.8760% | 733 |
| Noncurrent loans to loans | 2.4811% | 629 |
| Net loans and leases to total assets | 49.3395% | 4,727 |
| Net loans and leases to deposits | 55.2004% | 4,865 |
| Net loans and leases to core deposits | 56.6556% | 4,942 |
| Total domestic deposits to total assets | 89.3825% | 956 |
| Equity capital to assets | 10.5263% | 3,153 |
| Core capital (leverage) ratio | 10.6530% | 2,737 |
| Tier 1 risk-based capital ratio | 21.9563% | 1,091 |
| Total risk-based capital ratio | 23.2109% | 1,069 |
| Memoranda: | ||
| Average total assets | $102,448,000 | 4,306 |
| Average earning assets | $95,807,500 | 4,279 |
| Average equity | $10,670,000 | 4,441 |
| Average total loans | $50,859,500 | 4,535 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9931% | 3,213 |
| Cost of funding earning assets | 0.2049% | 4,969 |
| Net interest margin | 3.7882% | 2,360 |
| Noninterest income to average assets | 0.3885% | 3,975 |
| Noninterest expense to average assets | 3.8487% | 730 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1498% | 5,496 |
| Return on assets (ROA) | 0.2784% | 5,334 |
| Pretax return on assets | 0.2784% | 5,392 |
| Return on Equity (ROE) | 2.6341% | 5,261 |
| Retained earnings to average equity (ytd only) | 2.6341% | 4,020 |
| Net charge-offs to loans | -0.2518% | 5,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2533% | 300 |
| Assets per employee ($millions) | 2.8590% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 2,464 |
| Loan loss allowance to noncurrent loans | 50.1504% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.9218% | 736 |
| Noncurrent loans to loans | 2.6216% | 581 |
| Net loans and leases to total assets | 48.6441% | 4,851 |
| Net loans and leases to deposits | 54.3051% | 4,997 |
| Net loans and leases to core deposits | 55.7187% | 5,058 |
| Total domestic deposits to total assets | 89.5757% | 831 |
| Equity capital to assets | 10.3048% | 3,381 |
| Core capital (leverage) ratio | 10.5834% | 2,791 |
| Tier 1 risk-based capital ratio | 21.3982% | 1,150 |
| Total risk-based capital ratio | 22.6542% | 1,133 |
| Memoranda: | ||
| Average total assets | $103,464,200 | 4,297 |
| Average earning assets | $98,596,000 | 4,232 |
| Average equity | $10,933,400 | 4,433 |
| Average total loans | $48,844,800 | 4,603 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,286 |
| Cost of funding earning assets | 0.2074% | 4,995 |
| Net interest margin | 3.7775% | 2,418 |
| Noninterest income to average assets | 0.4028% | 3,903 |
| Noninterest expense to average assets | 3.8957% | 682 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1171% | 5,605 |
| Return on assets (ROA) | 0.2471% | 5,464 |
| Pretax return on assets | 0.2471% | 5,524 |
| Return on Equity (ROE) | 2.3240% | 5,404 |
| Retained earnings to average equity (ytd only) | 2.3240% | 4,531 |
| Net charge-offs to loans | -0.2977% | 5,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0815% | 284 |
| Assets per employee ($millions) | 2.8485% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,760 |
| Loan loss allowance to noncurrent loans | 77.0686% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.4175% | 1,304 |
| Noncurrent loans to loans | 1.6691% | 1,267 |
| Net loans and leases to total assets | 47.4728% | 4,993 |
| Net loans and leases to deposits | 53.3326% | 5,147 |
| Net loans and leases to core deposits | 54.6957% | 5,203 |
| Total domestic deposits to total assets | 89.0128% | 901 |
| Equity capital to assets | 10.8354% | 3,213 |
| Core capital (leverage) ratio | 10.2877% | 3,238 |
| Tier 1 risk-based capital ratio | 21.0362% | 1,268 |
| Total risk-based capital ratio | 22.2915% | 1,245 |
| Memoranda: | ||
| Average total assets | $103,599,500 | 4,327 |
| Average earning assets | $99,004,000 | 4,257 |
| Average equity | $11,015,250 | 4,466 |
| Average total loans | $48,372,750 | 4,662 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0451% | 3,084 |
| Cost of funding earning assets | 0.2134% | 5,004 |
| Net interest margin | 3.8316% | 2,206 |
| Noninterest income to average assets | 0.3961% | 3,901 |
| Noninterest expense to average assets | 3.9514% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1049% | 5,659 |
| Return on assets (ROA) | 0.2427% | 5,509 |
| Pretax return on assets | 0.2427% | 5,566 |
| Return on Equity (ROE) | 2.2977% | 5,436 |
| Retained earnings to average equity (ytd only) | 2.2977% | 4,412 |
| Net charge-offs to loans | -0.4748% | 5,936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4150% | 305 |
| Assets per employee ($millions) | 2.9387% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 2,571 |
| Loan loss allowance to noncurrent loans | 75.9538% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.4301% | 1,358 |
| Noncurrent loans to loans | 1.7638% | 1,187 |
| Net loans and leases to total assets | 45.7342% | 5,144 |
| Net loans and leases to deposits | 51.3129% | 5,281 |
| Net loans and leases to core deposits | 52.9586% | 5,322 |
| Total domestic deposits to total assets | 89.1279% | 863 |
| Equity capital to assets | 10.7180% | 3,379 |
| Core capital (leverage) ratio | 10.3836% | 3,096 |
| Tier 1 risk-based capital ratio | 21.0203% | 1,266 |
| Total risk-based capital ratio | 22.2767% | 1,252 |
| Memoranda: | ||
| Average total assets | $103,001,000 | 4,369 |
| Average earning assets | $98,391,670 | 4,301 |
| Average equity | $10,880,330 | 4,512 |
| Average total loans | $47,601,670 | 4,721 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 2,920 |
| Cost of funding earning assets | 0.2231% | 4,970 |
| Net interest margin | 3.8589% | 2,075 |
| Noninterest income to average assets | 0.4173% | 3,703 |
| Noninterest expense to average assets | 4.1219% | 536 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0276% | 5,802 |
| Return on assets (ROA) | -0.0630% | 5,844 |
| Pretax return on assets | -0.0630% | 5,846 |
| Return on Equity (ROE) | -0.6009% | 5,849 |
| Retained earnings to average equity (ytd only) | -0.6009% | 5,221 |
| Net charge-offs to loans | -0.1109% | 5,680 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6731% | 278 |
| Assets per employee ($millions) | 2.6152% | 5,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 3,636 |
| Loan loss allowance to noncurrent loans | 48.1417% | 4,878 |
| Noncurrent assets plus other real estate owned to assets | 1.8109% | 1,022 |
| Noncurrent loans to loans | 2.4395% | 787 |
| Net loans and leases to total assets | 45.9550% | 5,116 |
| Net loans and leases to deposits | 51.4783% | 5,250 |
| Net loans and leases to core deposits | 52.8387% | 5,318 |
| Total domestic deposits to total assets | 89.2706% | 964 |
| Equity capital to assets | 10.6186% | 3,345 |
| Core capital (leverage) ratio | 10.3817% | 3,093 |
| Tier 1 risk-based capital ratio | 21.2928% | 1,263 |
| Total risk-based capital ratio | 22.4099% | 1,265 |
| Memoranda: | ||
| Average total assets | $101,604,500 | 4,438 |
| Average earning assets | $96,816,000 | 4,367 |
| Average equity | $10,651,000 | 4,564 |
| Average total loans | $46,882,000 | 4,768 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 3,733 |
| Cost of funding earning assets | 0.2693% | 4,592 |
| Net interest margin | 3.6228% | 3,046 |
| Noninterest income to average assets | 0.2919% | 4,801 |
| Noninterest expense to average assets | 3.9664% | 702 |
| Loan and lease loss provision to assets | 0.0563% | 3,183 |
| Net operating income to assets | -0.3088% | 5,992 |
| Return on assets (ROA) | -0.3510% | 6,013 |
| Pretax return on assets | -0.3388% | 5,993 |
| Return on Equity (ROE) | -3.5252% | 6,021 |
| Retained earnings to average equity (ytd only) | -3.5252% | 5,847 |
| Net charge-offs to loans | 0.4191% | 679 |
| Credit loss provision to net charge-offs | 30.3030% | 3,653 |
| Earnings coverage of net charge-offs (x) | -1.2929% | 4,342 |
| Efficiency ratio | 106.4484% | 181 |
| Assets per employee ($millions) | 2.4100% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1740% | 3,620 |
| Loan loss allowance to noncurrent loans | 43.5897% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.8416% | 1,021 |
| Noncurrent loans to loans | 2.6933% | 654 |
| Net loans and leases to total assets | 45.2420% | 5,215 |
| Net loans and leases to deposits | 50.5481% | 5,363 |
| Net loans and leases to core deposits | 52.2865% | 5,402 |
| Total domestic deposits to total assets | 89.5029% | 854 |
| Equity capital to assets | 10.3460% | 3,568 |
| Core capital (leverage) ratio | 10.0595% | 3,429 |
| Tier 1 risk-based capital ratio | 21.1640% | 1,265 |
| Total risk-based capital ratio | 22.2468% | 1,280 |
| Memoranda: | ||
| Average total assets | $106,545,000 | 4,323 |
| Average earning assets | $100,999,800 | 4,264 |
| Average equity | $10,609,400 | 4,551 |
| Average total loans | $47,249,000 | 4,750 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8303% | 3,997 |
| Cost of funding earning assets | 0.2780% | 4,586 |
| Net interest margin | 3.5524% | 3,330 |
| Noninterest income to average assets | 0.3424% | 4,488 |
| Noninterest expense to average assets | 3.9278% | 719 |
| Loan and lease loss provision to assets | 0.0247% | 3,774 |
| Net operating income to assets | -0.2608% | 6,072 |
| Return on assets (ROA) | -0.3164% | 6,100 |
| Pretax return on assets | -0.3016% | 6,085 |
| Return on Equity (ROE) | -3.2068% | 6,108 |
| Retained earnings to average equity (ytd only) | -3.2068% | 5,947 |
| Net charge-offs to loans | -0.0337% | 5,401 |
| Credit loss provision to net charge-offs | -166.6667% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9687% | 189 |
| Assets per employee ($millions) | 2.3860% | 6,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 2,101 |
| Loan loss allowance to noncurrent loans | 43.0380% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 2.1337% | 920 |
| Noncurrent loans to loans | 3.5168% | 442 |
| Net loans and leases to total assets | 43.2700% | 5,401 |
| Net loans and leases to deposits | 47.9839% | 5,571 |
| Net loans and leases to core deposits | 50.2450% | 5,572 |
| Total domestic deposits to total assets | 90.1760% | 505 |
| Equity capital to assets | 9.6303% | 4,601 |
| Core capital (leverage) ratio | 9.9046% | 3,765 |
| Tier 1 risk-based capital ratio | 21.3220% | 1,290 |
| Total risk-based capital ratio | 22.5834% | 1,271 |
| Memoranda: | ||
| Average total assets | $107,876,750 | 4,347 |
| Average earning assets | $102,164,250 | 4,279 |
| Average equity | $10,643,750 | 4,599 |
| Average total loans | $47,477,000 | 4,798 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 2,908 |
| Cost of funding earning assets | 0.2909% | 4,498 |
| Net interest margin | 3.8053% | 2,287 |
| Noninterest income to average assets | 0.2388% | 5,250 |
| Noninterest expense to average assets | 3.7669% | 912 |
| Loan and lease loss provision to assets | 0.0370% | 3,379 |
| Net operating income to assets | 0.0370% | 5,954 |
| Return on assets (ROA) | -0.0463% | 6,052 |
| Pretax return on assets | -0.0407% | 6,042 |
| Return on Equity (ROE) | -0.4653% | 6,057 |
| Retained earnings to average equity (ytd only) | -0.4653% | 5,597 |
| Net charge-offs to loans | -0.3615% | 6,155 |
| Credit loss provision to net charge-offs | -23.2558% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9307% | 380 |
| Assets per employee ($millions) | 2.5470% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6747% | 1,677 |
| Loan loss allowance to noncurrent loans | 46.5171% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 3.0176% | 556 |
| Noncurrent loans to loans | 3.6001% | 478 |
| Net loans and leases to total assets | 43.2506% | 5,423 |
| Net loans and leases to deposits | 48.0127% | 5,599 |
| Net loans and leases to core deposits | 50.2837% | 5,602 |
| Total domestic deposits to total assets | 90.0815% | 625 |
| Equity capital to assets | 9.7558% | 4,334 |
| Core capital (leverage) ratio | 10.0830% | 3,488 |
| Tier 1 risk-based capital ratio | 23.2488% | 1,045 |
| Total risk-based capital ratio | 24.5134% | 1,028 |
| Memoranda: | ||
| Average total assets | $108,045,670 | 4,381 |
| Average earning assets | $102,436,330 | 4,307 |
| Average equity | $10,745,000 | 4,612 |
| Average total loans | $47,578,330 | 4,832 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9080% | 3,568 |
| Cost of funding earning assets | 0.2938% | 4,511 |
| Net interest margin | 3.6142% | 2,947 |
| Noninterest income to average assets | 0.6410% | 2,443 |
| Noninterest expense to average assets | 3.5844% | 1,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5010% | 4,679 |
| Return on assets (ROA) | 0.5010% | 4,800 |
| Pretax return on assets | 0.5010% | 5,176 |
| Return on Equity (ROE) | 4.9911% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.9911% | 3,056 |
| Net charge-offs to loans | -0.0251% | 5,152 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7367% | 1,038 |
| Assets per employee ($millions) | 2.7556% | 5,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 2,564 |
| Loan loss allowance to noncurrent loans | 32.3266% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 2.6537% | 778 |
| Noncurrent loans to loans | 4.5573% | 335 |
| Net loans and leases to total assets | 41.5630% | 5,513 |
| Net loans and leases to deposits | 46.2771% | 5,647 |
| Net loans and leases to core deposits | 49.1218% | 5,630 |
| Total domestic deposits to total assets | 89.8134% | 835 |
| Equity capital to assets | 10.0669% | 4,065 |
| Core capital (leverage) ratio | 10.6055% | 2,844 |
| Tier 1 risk-based capital ratio | 23.1250% | 1,093 |
| Total risk-based capital ratio | 24.3757% | 1,069 |
| Memoranda: | ||
| Average total assets | $108,582,500 | 4,397 |
| Average earning assets | $103,479,500 | 4,316 |
| Average equity | $10,899,500 | 4,620 |
| Average total loans | $47,840,500 | 4,855 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2554% | 2,759 |
| Cost of funding earning assets | 0.3777% | 3,934 |
| Net interest margin | 3.8777% | 2,324 |
| Noninterest income to average assets | 0.3345% | 4,718 |
| Noninterest expense to average assets | 3.4486% | 1,605 |
| Loan and lease loss provision to assets | 0.0223% | 4,168 |
| Net operating income to assets | 0.5361% | 4,659 |
| Return on assets (ROA) | 0.6762% | 4,120 |
| Pretax return on assets | 0.6762% | 4,706 |
| Return on Equity (ROE) | 8.3121% | 2,958 |
| Retained earnings to average equity (ytd only) | 8.3121% | 903 |
| Net charge-offs to loans | 0.0339% | 4,152 |
| Credit loss provision to net charge-offs | 147.0588% | 1,634 |
| Earnings coverage of net charge-offs (x) | 36.8235% | 1,155 |
| Efficiency ratio | 86.0641% | 1,163 |
| Assets per employee ($millions) | 2.6736% | 6,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 3,011 |
| Loan loss allowance to noncurrent loans | 27.5222% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 3.1138% | 633 |
| Noncurrent loans to loans | 5.0382% | 288 |
| Net loans and leases to total assets | 45.3536% | 5,378 |
| Net loans and leases to deposits | 50.4651% | 5,563 |
| Net loans and leases to core deposits | 53.9403% | 5,503 |
| Total domestic deposits to total assets | 89.8711% | 790 |
| Equity capital to assets | 10.0082% | 4,109 |
| Core capital (leverage) ratio | 10.0951% | 3,443 |
| Tier 1 risk-based capital ratio | 22.0474% | 1,218 |
| Total risk-based capital ratio | 23.2993% | 1,191 |
| Memoranda: | ||
| Average total assets | $112,104,400 | 4,340 |
| Average earning assets | $106,171,600 | 4,262 |
| Average equity | $9,119,200 | 4,949 |
| Average total loans | $50,120,200 | 4,815 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 2,556 |
| Cost of funding earning assets | 0.3930% | 3,863 |
| Net interest margin | 3.9234% | 2,143 |
| Noninterest income to average assets | 0.4080% | 4,181 |
| Noninterest expense to average assets | 3.4087% | 1,638 |
| Loan and lease loss provision to assets | 0.0294% | 3,820 |
| Net operating income to assets | 0.6796% | 4,049 |
| Return on assets (ROA) | 0.8642% | 3,194 |
| Pretax return on assets | 0.8642% | 4,128 |
| Return on Equity (ROE) | 11.2341% | 1,703 |
| Retained earnings to average equity (ytd only) | 11.2341% | 482 |
| Net charge-offs to loans | 0.1006% | 2,798 |
| Credit loss provision to net charge-offs | 65.7895% | 2,838 |
| Earnings coverage of net charge-offs (x) | 15.8670% | 2,027 |
| Efficiency ratio | 82.7813% | 1,520 |
| Assets per employee ($millions) | 2.9706% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3207% | 3,544 |
| Loan loss allowance to noncurrent loans | 67.6561% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 1.6965% | 1,777 |
| Noncurrent loans to loans | 1.9520% | 1,634 |
| Net loans and leases to total assets | 43.7532% | 5,540 |
| Net loans and leases to deposits | 47.9007% | 5,767 |
| Net loans and leases to core deposits | 50.9585% | 5,746 |
| Total domestic deposits to total assets | 91.3413% | 271 |
| Equity capital to assets | 8.4328% | 5,848 |
| Core capital (leverage) ratio | 9.7321% | 4,024 |
| Tier 1 risk-based capital ratio | 21.0584% | 1,441 |
| Total risk-based capital ratio | 22.2875% | 1,423 |
| Memoranda: | ||
| Average total assets | $113,395,000 | 4,347 |
| Average earning assets | $107,216,000 | 4,286 |
| Average equity | $8,723,250 | 5,083 |
| Average total loans | $50,354,250 | 4,852 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3881% | 2,214 |
| Cost of funding earning assets | 0.4094% | 3,781 |
| Net interest margin | 3.9787% | 1,875 |
| Noninterest income to average assets | 0.3998% | 4,245 |
| Noninterest expense to average assets | 3.4059% | 1,665 |
| Loan and lease loss provision to assets | 0.0440% | 3,436 |
| Net operating income to assets | 0.7150% | 3,760 |
| Return on assets (ROA) | 0.9915% | 2,433 |
| Pretax return on assets | 0.9915% | 3,511 |
| Return on Equity (ROE) | 13.3128% | 1,094 |
| Retained earnings to average equity (ytd only) | 13.3128% | 309 |
| Net charge-offs to loans | 0.1823% | 1,935 |
| Credit loss provision to net charge-offs | 54.3478% | 2,727 |
| Earnings coverage of net charge-offs (x) | 9.3696% | 2,367 |
| Efficiency ratio | 81.7759% | 1,767 |
| Assets per employee ($millions) | 3.0401% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2783% | 3,976 |
| Loan loss allowance to noncurrent loans | 46.7430% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 2.0213% | 1,576 |
| Noncurrent loans to loans | 2.7347% | 1,102 |
| Net loans and leases to total assets | 43.6549% | 5,557 |
| Net loans and leases to deposits | 47.5805% | 5,795 |
| Net loans and leases to core deposits | 50.5270% | 5,764 |
| Total domestic deposits to total assets | 91.7496% | 207 |
| Equity capital to assets | 8.0842% | 6,106 |
| Core capital (leverage) ratio | 9.5670% | 4,228 |
| Tier 1 risk-based capital ratio | 20.3743% | 1,596 |
| Total risk-based capital ratio | 21.5667% | 1,580 |
| Memoranda: | ||
| Average total assets | $113,566,330 | 4,373 |
| Average earning assets | $107,472,330 | 4,298 |
| Average equity | $8,458,000 | 5,163 |
| Average total loans | $50,455,670 | 4,882 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4432% | 1,976 |
| Cost of funding earning assets | 0.4169% | 3,797 |
| Net interest margin | 4.0263% | 1,664 |
| Noninterest income to average assets | 0.4157% | 4,061 |
| Noninterest expense to average assets | 3.4107% | 1,674 |
| Loan and lease loss provision to assets | 0.0888% | 2,433 |
| Net operating income to assets | 0.7248% | 3,562 |
| Return on assets (ROA) | 0.7887% | 3,281 |
| Pretax return on assets | 0.7887% | 4,150 |
| Return on Equity (ROE) | 11.0758% | 1,662 |
| Retained earnings to average equity (ytd only) | 11.0758% | 729 |
| Net charge-offs to loans | -0.0798% | 6,030 |
| Credit loss provision to net charge-offs | -250.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7401% | 2,088 |
| Assets per employee ($millions) | 2.7748% | 6,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 3,582 |
| Loan loss allowance to noncurrent loans | 47.2982% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 2.1931% | 1,512 |
| Noncurrent loans to loans | 2.9691% | 1,079 |
| Net loans and leases to total assets | 43.7543% | 5,531 |
| Net loans and leases to deposits | 47.3188% | 5,771 |
| Net loans and leases to core deposits | 50.2950% | 5,738 |
| Total domestic deposits to total assets | 92.4671% | 170 |
| Equity capital to assets | 7.4415% | 6,331 |
| Core capital (leverage) ratio | 9.3166% | 4,550 |
| Tier 1 risk-based capital ratio | 20.2062% | 1,671 |
| Total risk-based capital ratio | 21.4572% | 1,636 |
| Memoranda: | ||
| Average total assets | $112,588,500 | 4,434 |
| Average earning assets | $106,499,000 | 4,353 |
| Average equity | $8,017,500 | 5,285 |
| Average total loans | $50,141,500 | 4,925 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 3,373 |
| Cost of funding earning assets | 0.4526% | 4,084 |
| Net interest margin | 3.7391% | 2,899 |
| Noninterest income to average assets | -0.0895% | 6,718 |
| Noninterest expense to average assets | 3.4358% | 1,802 |
| Loan and lease loss provision to assets | 0.0090% | 4,942 |
| Net operating income to assets | -0.0278% | 6,241 |
| Return on assets (ROA) | -0.0143% | 6,266 |
| Pretax return on assets | -0.0143% | 6,243 |
| Return on Equity (ROE) | -0.1711% | 6,272 |
| Retained earnings to average equity (ytd only) | -0.1711% | 5,908 |
| Net charge-offs to loans | 0.4321% | 1,536 |
| Credit loss provision to net charge-offs | 4.4248% | 4,656 |
| Earnings coverage of net charge-offs (x) | -0.0929% | 5,114 |
| Efficiency ratio | 100.5503% | 462 |
| Assets per employee ($millions) | 3.0111% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3535% | 3,875 |
| Loan loss allowance to noncurrent loans | 21.6095% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 3.6945% | 761 |
| Noncurrent loans to loans | 6.2636% | 313 |
| Net loans and leases to total assets | 44.0912% | 5,664 |
| Net loans and leases to deposits | 47.3529% | 5,936 |
| Net loans and leases to core deposits | 50.6381% | 5,896 |
| Total domestic deposits to total assets | 93.1119% | 127 |
| Equity capital to assets | 6.7938% | 6,512 |
| Core capital (leverage) ratio | 8.9973% | 5,012 |
| Tier 1 risk-based capital ratio | 19.6440% | 1,742 |
| Total risk-based capital ratio | 20.8938% | 1,710 |
| Memoranda: | ||
| Average total assets | $111,677,400 | 4,464 |
| Average earning assets | $104,731,800 | 4,393 |
| Average equity | $9,351,800 | 5,006 |
| Average total loans | $52,299,400 | 4,874 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 3,791 |
| Cost of funding earning assets | 0.4521% | 4,253 |
| Net interest margin | 3.6411% | 3,276 |
| Noninterest income to average assets | 0.3782% | 4,689 |
| Noninterest expense to average assets | 3.4077% | 1,807 |
| Loan and lease loss provision to assets | 0.0119% | 4,760 |
| Net operating income to assets | 0.3699% | 5,372 |
| Return on assets (ROA) | 0.3699% | 5,505 |
| Pretax return on assets | 0.3699% | 5,706 |
| Return on Equity (ROE) | 4.2186% | 5,123 |
| Retained earnings to average equity (ytd only) | 4.2186% | 3,683 |
| Net charge-offs to loans | 0.2469% | 2,330 |
| Credit loss provision to net charge-offs | 10.2041% | 4,216 |
| Earnings coverage of net charge-offs (x) | 3.2654% | 3,753 |
| Efficiency ratio | 89.9244% | 996 |
| Assets per employee ($millions) | 2.9837% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5596% | 3,186 |
| Loan loss allowance to noncurrent loans | 25.2598% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 4.1656% | 745 |
| Noncurrent loans to loans | 6.1742% | 393 |
| Net loans and leases to total assets | 44.6477% | 5,667 |
| Net loans and leases to deposits | 48.2574% | 5,945 |
| Net loans and leases to core deposits | 51.3012% | 5,930 |
| Total domestic deposits to total assets | 92.5199% | 178 |
| Equity capital to assets | 7.2949% | 6,461 |
| Core capital (leverage) ratio | 9.3835% | 4,553 |
| Tier 1 risk-based capital ratio | 19.5941% | 1,841 |
| Total risk-based capital ratio | 20.8463% | 1,801 |
| Memoranda: | ||
| Average total assets | $111,744,250 | 4,511 |
| Average earning assets | $104,692,250 | 4,439 |
| Average equity | $9,797,500 | 4,952 |
| Average total loans | $52,925,250 | 4,888 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 4,135 |
| Cost of funding earning assets | 0.4517% | 4,414 |
| Net interest margin | 3.5426% | 3,595 |
| Noninterest income to average assets | 0.3255% | 5,098 |
| Noninterest expense to average assets | 3.4299% | 1,761 |
| Loan and lease loss provision to assets | 0.0180% | 4,536 |
| Net operating income to assets | 0.1924% | 5,920 |
| Return on assets (ROA) | 0.1924% | 6,041 |
| Pretax return on assets | 0.1924% | 6,096 |
| Return on Equity (ROE) | 2.0764% | 5,929 |
| Retained earnings to average equity (ytd only) | 2.0764% | 4,954 |
| Net charge-offs to loans | 0.1909% | 2,610 |
| Credit loss provision to net charge-offs | 19.6078% | 3,739 |
| Earnings coverage of net charge-offs (x) | 2.2941% | 3,759 |
| Efficiency ratio | 94.2194% | 757 |
| Assets per employee ($millions) | 2.9641% | 5,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6187% | 3,088 |
| Loan loss allowance to noncurrent loans | 27.9829% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 4.0680% | 845 |
| Noncurrent loans to loans | 5.7848% | 516 |
| Net loans and leases to total assets | 45.8108% | 5,554 |
| Net loans and leases to deposits | 50.3420% | 5,813 |
| Net loans and leases to core deposits | 53.5921% | 5,781 |
| Total domestic deposits to total assets | 90.9992% | 540 |
| Equity capital to assets | 8.8374% | 5,402 |
| Core capital (leverage) ratio | 9.4314% | 4,345 |
| Tier 1 risk-based capital ratio | 19.7555% | 1,777 |
| Total risk-based capital ratio | 21.0098% | 1,754 |
| Memoranda: | ||
| Average total assets | $111,198,670 | 4,552 |
| Average earning assets | $104,047,330 | 4,474 |
| Average equity | $10,306,330 | 4,872 |
| Average total loans | $53,425,670 | 4,900 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 4,005 |
| Cost of funding earning assets | 0.4727% | 4,345 |
| Net interest margin | 3.5548% | 3,459 |
| Noninterest income to average assets | 0.3548% | 4,837 |
| Noninterest expense to average assets | 3.5264% | 1,569 |
| Loan and lease loss provision to assets | 0.0362% | 3,986 |
| Net operating income to assets | 0.0869% | 6,174 |
| Return on assets (ROA) | 0.0869% | 6,261 |
| Pretax return on assets | 0.0869% | 6,277 |
| Return on Equity (ROE) | 0.9158% | 6,240 |
| Retained earnings to average equity (ytd only) | 0.9158% | 5,481 |
| Net charge-offs to loans | 0.3561% | 1,577 |
| Credit loss provision to net charge-offs | 20.8333% | 3,022 |
| Earnings coverage of net charge-offs (x) | 0.7083% | 3,592 |
| Efficiency ratio | 96.6270% | 698 |
| Assets per employee ($millions) | 3.0115% | 5,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 3,400 |
| Loan loss allowance to noncurrent loans | 38.0357% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 3.5118% | 1,208 |
| Noncurrent loans to loans | 4.2068% | 1,043 |
| Net loans and leases to total assets | 47.0231% | 5,329 |
| Net loans and leases to deposits | 51.8891% | 5,630 |
| Net loans and leases to core deposits | 55.2888% | 5,581 |
| Total domestic deposits to total assets | 90.6223% | 706 |
| Equity capital to assets | 9.2458% | 5,202 |
| Core capital (leverage) ratio | 9.3956% | 4,248 |
| Tier 1 risk-based capital ratio | 19.4540% | 1,920 |
| Total risk-based capital ratio | 20.7073% | 1,897 |
| Memoranda: | ||
| Average total assets | $110,480,500 | 4,605 |
| Average earning assets | $102,397,500 | 4,556 |
| Average equity | $10,482,500 | 4,889 |
| Average total loans | $53,914,500 | 4,919 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 4,060 |
| Cost of funding earning assets | 0.5287% | 5,004 |
| Net interest margin | 3.8112% | 3,176 |
| Noninterest income to average assets | -0.0381% | 6,874 |
| Noninterest expense to average assets | 3.5990% | 1,612 |
| Loan and lease loss provision to assets | 0.2747% | 2,451 |
| Net operating income to assets | -0.3660% | 6,492 |
| Return on assets (ROA) | -0.2588% | 6,472 |
| Pretax return on assets | -0.2588% | 6,456 |
| Return on Equity (ROE) | -2.6012% | 6,484 |
| Retained earnings to average equity (ytd only) | -2.6012% | 6,230 |
| Net charge-offs to loans | 1.0149% | 1,068 |
| Credit loss provision to net charge-offs | 51.0708% | 4,675 |
| Earnings coverage of net charge-offs (x) | -0.1697% | 5,562 |
| Efficiency ratio | 102.6023% | 477 |
| Assets per employee ($millions) | 2.8086% | 6,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 3,181 |
| Loan loss allowance to noncurrent loans | 39.5907% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 3.6408% | 1,222 |
| Noncurrent loans to loans | 4.1186% | 1,122 |
| Net loans and leases to total assets | 49.0172% | 5,305 |
| Net loans and leases to deposits | 54.3716% | 5,617 |
| Net loans and leases to core deposits | 58.5461% | 5,492 |
| Total domestic deposits to total assets | 90.1522% | 874 |
| Equity capital to assets | 9.7346% | 4,549 |
| Core capital (leverage) ratio | 9.4438% | 4,193 |
| Tier 1 risk-based capital ratio | 19.4725% | 1,820 |
| Total risk-based capital ratio | 20.7280% | 1,789 |
| Memoranda: | ||
| Average total assets | $112,837,400 | 4,523 |
| Average earning assets | $104,979,800 | 4,468 |
| Average equity | $11,225,800 | 4,716 |
| Average total loans | $59,810,600 | 4,719 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4268% | 3,938 |
| Cost of funding earning assets | 0.5358% | 5,207 |
| Net interest margin | 3.8909% | 2,946 |
| Noninterest income to average assets | 0.2815% | 5,527 |
| Noninterest expense to average assets | 3.6047% | 1,551 |
| Loan and lease loss provision to assets | 0.3519% | 1,851 |
| Net operating income to assets | -0.0551% | 6,346 |
| Return on assets (ROA) | 0.0645% | 6,327 |
| Pretax return on assets | 0.0645% | 6,318 |
| Return on Equity (ROE) | 0.6451% | 6,317 |
| Retained earnings to average equity (ytd only) | 0.6451% | 5,899 |
| Net charge-offs to loans | 0.7984% | 1,378 |
| Credit loss provision to net charge-offs | 81.9672% | 3,560 |
| Earnings coverage of net charge-offs (x) | 0.6912% | 4,978 |
| Efficiency ratio | 92.3933% | 868 |
| Assets per employee ($millions) | 2.8596% | 6,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9624% | 2,281 |
| Loan loss allowance to noncurrent loans | 43.0988% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 4.3625% | 1,068 |
| Noncurrent loans to loans | 4.5532% | 1,030 |
| Net loans and leases to total assets | 48.9610% | 5,436 |
| Net loans and leases to deposits | 54.5981% | 5,757 |
| Net loans and leases to core deposits | 59.2046% | 5,635 |
| Total domestic deposits to total assets | 89.6752% | 1,033 |
| Equity capital to assets | 10.0153% | 4,471 |
| Core capital (leverage) ratio | 9.6211% | 4,091 |
| Tier 1 risk-based capital ratio | 19.8265% | 1,804 |
| Total risk-based capital ratio | 21.0860% | 1,775 |
| Memoranda: | ||
| Average total assets | $113,662,500 | 4,555 |
| Average earning assets | $105,748,250 | 4,493 |
| Average equity | $11,366,500 | 4,738 |
| Average total loans | $61,117,750 | 4,720 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 2,673 |
| Cost of funding earning assets | 0.5383% | 5,380 |
| Net interest margin | 4.2233% | 1,687 |
| Noninterest income to average assets | 0.3280% | 5,204 |
| Noninterest expense to average assets | 3.6236% | 1,532 |
| Loan and lease loss provision to assets | 0.5114% | 1,228 |
| Net operating income to assets | 0.1358% | 6,076 |
| Return on assets (ROA) | 0.3139% | 5,776 |
| Pretax return on assets | 0.3139% | 5,938 |
| Return on Equity (ROE) | 3.1403% | 5,634 |
| Retained earnings to average equity (ytd only) | 3.1403% | 4,534 |
| Net charge-offs to loans | 1.1369% | 950 |
| Credit loss provision to net charge-offs | 81.6901% | 3,269 |
| Earnings coverage of net charge-offs (x) | 1.0338% | 4,503 |
| Efficiency ratio | 84.8472% | 1,551 |
| Assets per employee ($millions) | 2.9763% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 2,707 |
| Loan loss allowance to noncurrent loans | 30.7650% | 6,121 |
| Noncurrent assets plus other real estate owned to assets | 5.1062% | 927 |
| Noncurrent loans to loans | 6.0071% | 729 |
| Net loans and leases to total assets | 51.3366% | 5,180 |
| Net loans and leases to deposits | 57.2911% | 5,525 |
| Net loans and leases to core deposits | 62.0454% | 5,381 |
| Total domestic deposits to total assets | 89.6067% | 1,159 |
| Equity capital to assets | 10.0573% | 4,248 |
| Core capital (leverage) ratio | 9.8131% | 3,701 |
| Tier 1 risk-based capital ratio | 18.9751% | 1,975 |
| Total risk-based capital ratio | 20.2327% | 1,955 |
| Memoranda: | ||
| Average total assets | $113,421,670 | 4,577 |
| Average earning assets | $105,889,330 | 4,511 |
| Average equity | $11,336,670 | 4,744 |
| Average total loans | $62,448,670 | 4,698 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 2,082 |
| Cost of funding earning assets | 0.5492% | 5,503 |
| Net interest margin | 4.3932% | 1,243 |
| Noninterest income to average assets | 0.3390% | 5,148 |
| Noninterest expense to average assets | 3.6933% | 1,385 |
| Loan and lease loss provision to assets | 0.8207% | 590 |
| Net operating income to assets | -0.0642% | 6,494 |
| Return on assets (ROA) | 0.0071% | 6,510 |
| Pretax return on assets | 0.0071% | 6,513 |
| Return on Equity (ROE) | 0.0716% | 6,513 |
| Retained earnings to average equity (ytd only) | 0.0716% | 5,955 |
| Net charge-offs to loans | 1.9268% | 494 |
| Credit loss provision to net charge-offs | 75.4098% | 2,811 |
| Earnings coverage of net charge-offs (x) | 0.6951% | 3,989 |
| Efficiency ratio | 82.9992% | 1,803 |
| Assets per employee ($millions) | 2.8192% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8104% | 2,962 |
| Loan loss allowance to noncurrent loans | 29.5509% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 5.3908% | 930 |
| Noncurrent loans to loans | 6.1264% | 814 |
| Net loans and leases to total assets | 53.4828% | 4,805 |
| Net loans and leases to deposits | 59.4010% | 5,230 |
| Net loans and leases to core deposits | 64.2824% | 5,077 |
| Total domestic deposits to total assets | 90.0370% | 1,066 |
| Equity capital to assets | 9.8868% | 4,273 |
| Core capital (leverage) ratio | 9.7442% | 3,714 |
| Tier 1 risk-based capital ratio | 18.3956% | 2,174 |
| Total risk-based capital ratio | 19.6533% | 2,142 |
| Memoranda: | ||
| Average total assets | $112,095,000 | 4,650 |
| Average earning assets | $104,889,000 | 4,577 |
| Average equity | $11,168,000 | 4,785 |
| Average total loans | $63,317,500 | 4,682 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3955% | 1,428 |
| Cost of funding earning assets | 0.7483% | 5,225 |
| Net interest margin | 4.6472% | 839 |
| Noninterest income to average assets | -0.3051% | 7,204 |
| Noninterest expense to average assets | 3.5488% | 1,866 |
| Loan and lease loss provision to assets | 0.6915% | 1,478 |
| Net operating income to assets | -0.2299% | 6,284 |
| Return on assets (ROA) | 0.0419% | 6,087 |
| Pretax return on assets | 0.0419% | 6,058 |
| Return on Equity (ROE) | 0.4870% | 6,066 |
| Retained earnings to average equity (ytd only) | 0.4870% | 5,608 |
| Net charge-offs to loans | 2.0674% | 655 |
| Credit loss provision to net charge-offs | 57.8684% | 5,227 |
| Earnings coverage of net charge-offs (x) | 0.3863% | 5,529 |
| Efficiency ratio | 88.4910% | 1,319 |
| Assets per employee ($millions) | 2.7856% | 6,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8202% | 2,804 |
| Loan loss allowance to noncurrent loans | 35.3800% | 5,871 |
| Noncurrent assets plus other real estate owned to assets | 5.0106% | 1,065 |
| Noncurrent loans to loans | 5.1448% | 1,083 |
| Net loans and leases to total assets | 57.4612% | 4,470 |
| Net loans and leases to deposits | 63.9476% | 5,016 |
| Net loans and leases to core deposits | 68.1124% | 5,013 |
| Total domestic deposits to total assets | 89.8567% | 1,073 |
| Equity capital to assets | 10.0401% | 4,121 |
| Core capital (leverage) ratio | 9.9546% | 3,392 |
| Tier 1 risk-based capital ratio | 17.6011% | 2,349 |
| Total risk-based capital ratio | 18.8585% | 2,312 |
| Memoranda: | ||
| Average total assets | $116,998,200 | 4,479 |
| Average earning assets | $108,646,800 | 4,429 |
| Average equity | $10,062,400 | 4,994 |
| Average total loans | $67,621,200 | 4,575 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4292% | 1,433 |
| Cost of funding earning assets | 0.7977% | 5,168 |
| Net interest margin | 4.6316% | 891 |
| Noninterest income to average assets | -0.5090% | 7,354 |
| Noninterest expense to average assets | 3.5035% | 1,928 |
| Loan and lease loss provision to assets | 0.5169% | 1,920 |
| Net operating income to assets | -0.2399% | 6,430 |
| Return on assets (ROA) | -0.0732% | 6,342 |
| Pretax return on assets | -0.0732% | 6,308 |
| Return on Equity (ROE) | -0.8860% | 6,364 |
| Retained earnings to average equity (ytd only) | -0.8860% | 6,135 |
| Net charge-offs to loans | 1.6319% | 858 |
| Credit loss provision to net charge-offs | 54.9701% | 4,927 |
| Earnings coverage of net charge-offs (x) | 0.2946% | 5,382 |
| Efficiency ratio | 92.6720% | 986 |
| Assets per employee ($millions) | 2.8562% | 6,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0885% | 2,089 |
| Loan loss allowance to noncurrent loans | 38.3352% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 5.1713% | 1,107 |
| Noncurrent loans to loans | 5.4480% | 1,093 |
| Net loans and leases to total assets | 57.4492% | 4,597 |
| Net loans and leases to deposits | 63.7471% | 5,204 |
| Net loans and leases to core deposits | 68.7872% | 5,089 |
| Total domestic deposits to total assets | 90.1205% | 804 |
| Equity capital to assets | 9.7193% | 4,750 |
| Core capital (leverage) ratio | 9.6125% | 3,975 |
| Tier 1 risk-based capital ratio | 17.0915% | 2,609 |
| Total risk-based capital ratio | 18.3528% | 2,563 |
| Memoranda: | ||
| Average total assets | $118,392,000 | 4,474 |
| Average earning assets | $109,650,750 | 4,430 |
| Average equity | $9,781,250 | 5,098 |
| Average total loans | $68,223,500 | 4,593 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 1,555 |
| Cost of funding earning assets | 0.8551% | 5,025 |
| Net interest margin | 4.5476% | 1,020 |
| Noninterest income to average assets | -0.9401% | 7,475 |
| Noninterest expense to average assets | 3.4532% | 2,112 |
| Loan and lease loss provision to assets | 0.4492% | 2,175 |
| Net operating income to assets | -0.6245% | 6,774 |
| Return on assets (ROA) | -0.6061% | 6,773 |
| Pretax return on assets | -0.6061% | 6,707 |
| Return on Equity (ROE) | -7.7727% | 6,856 |
| Retained earnings to average equity (ytd only) | -7.7727% | 6,762 |
| Net charge-offs to loans | 1.8741% | 725 |
| Credit loss provision to net charge-offs | 41.8351% | 4,780 |
| Earnings coverage of net charge-offs (x) | -0.1633% | 5,384 |
| Efficiency ratio | 105.3490% | 577 |
| Assets per employee ($millions) | 3.0459% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0695% | 2,187 |
| Loan loss allowance to noncurrent loans | 27.1127% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 6.1646% | 899 |
| Noncurrent loans to loans | 7.6330% | 618 |
| Net loans and leases to total assets | 55.8480% | 5,018 |
| Net loans and leases to deposits | 60.7809% | 5,639 |
| Net loans and leases to core deposits | 66.8511% | 5,406 |
| Total domestic deposits to total assets | 91.8841% | 260 |
| Equity capital to assets | 7.9879% | 6,690 |
| Core capital (leverage) ratio | 8.5465% | 5,481 |
| Tier 1 risk-based capital ratio | 15.6558% | 3,152 |
| Total risk-based capital ratio | 16.9155% | 3,117 |
| Memoranda: | ||
| Average total assets | $119,773,670 | 4,459 |
| Average earning assets | $111,092,000 | 4,408 |
| Average equity | $9,340,330 | 5,224 |
| Average total loans | $68,620,000 | 4,628 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3195% | 1,807 |
| Cost of funding earning assets | 0.9069% | 4,871 |
| Net interest margin | 4.4126% | 1,250 |
| Noninterest income to average assets | -1.3171% | 7,546 |
| Noninterest expense to average assets | 3.8415% | 1,268 |
| Loan and lease loss provision to assets | 0.3758% | 2,311 |
| Net operating income to assets | -1.4402% | 7,178 |
| Return on assets (ROA) | -1.4402% | 7,183 |
| Pretax return on assets | -1.4402% | 7,139 |
| Return on Equity (ROE) | -18.6920% | 7,203 |
| Retained earnings to average equity (ytd only) | -18.6920% | 7,132 |
| Net charge-offs to loans | 0.7530% | 1,715 |
| Credit loss provision to net charge-offs | 86.9231% | 2,998 |
| Earnings coverage of net charge-offs (x) | -2.4615% | 4,976 |
| Efficiency ratio | 138.3234% | 216 |
| Assets per employee ($millions) | 2.7451% | 6,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5721% | 1,351 |
| Loan loss allowance to noncurrent loans | 35.4637% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 6.3188% | 890 |
| Noncurrent loans to loans | 7.2527% | 736 |
| Net loans and leases to total assets | 55.1642% | 5,133 |
| Net loans and leases to deposits | 59.8977% | 5,738 |
| Net loans and leases to core deposits | 66.0170% | 5,509 |
| Total domestic deposits to total assets | 92.0974% | 258 |
| Equity capital to assets | 7.6608% | 6,776 |
| Core capital (leverage) ratio | 8.4927% | 5,469 |
| Tier 1 risk-based capital ratio | 15.0947% | 3,380 |
| Total risk-based capital ratio | 16.3613% | 3,327 |
| Memoranda: | ||
| Average total assets | $120,264,500 | 4,473 |
| Average earning assets | $111,589,000 | 4,414 |
| Average equity | $9,266,000 | 5,241 |
| Average total loans | $69,057,500 | 4,648 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4906% | 2,324 |
| Cost of funding earning assets | 1.1838% | 4,653 |
| Net interest margin | 4.3068% | 1,801 |
| Noninterest income to average assets | 0.1437% | 6,670 |
| Noninterest expense to average assets | 3.4240% | 2,370 |
| Loan and lease loss provision to assets | 2.1422% | 590 |
| Net operating income to assets | -1.4039% | 6,879 |
| Return on assets (ROA) | -1.1908% | 6,805 |
| Pretax return on assets | -1.1908% | 6,736 |
| Return on Equity (ROE) | -13.0669% | 6,843 |
| Retained earnings to average equity (ytd only) | -13.0669% | 6,798 |
| Net charge-offs to loans | 3.3388% | 454 |
| Credit loss provision to net charge-offs | 110.1354% | 3,997 |
| Earnings coverage of net charge-offs (x) | 0.3796% | 5,728 |
| Efficiency ratio | 82.2627% | 2,129 |
| Assets per employee ($millions) | 2.6032% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5471% | 1,355 |
| Loan loss allowance to noncurrent loans | 40.5757% | 5,602 |
| Noncurrent assets plus other real estate owned to assets | 6.3760% | 896 |
| Noncurrent loans to loans | 6.2773% | 975 |
| Net loans and leases to total assets | 56.7459% | 5,223 |
| Net loans and leases to deposits | 61.6531% | 5,879 |
| Net loans and leases to core deposits | 67.8343% | 5,680 |
| Total domestic deposits to total assets | 92.0407% | 274 |
| Equity capital to assets | 7.7489% | 6,710 |
| Core capital (leverage) ratio | 8.3842% | 5,568 |
| Tier 1 risk-based capital ratio | 14.5077% | 3,540 |
| Total risk-based capital ratio | 15.7737% | 3,488 |
| Memoranda: | ||
| Average total assets | $125,291,200 | 4,367 |
| Average earning assets | $116,908,000 | 4,292 |
| Average equity | $11,418,200 | 4,760 |
| Average total loans | $72,991,200 | 4,568 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5601% | 2,212 |
| Cost of funding earning assets | 1.2379% | 4,641 |
| Net interest margin | 4.3221% | 1,766 |
| Noninterest income to average assets | -0.0768% | 7,525 |
| Noninterest expense to average assets | 3.3081% | 2,547 |
| Loan and lease loss provision to assets | 1.9714% | 604 |
| Net operating income to assets | -1.3177% | 7,041 |
| Return on assets (ROA) | -1.0757% | 6,972 |
| Pretax return on assets | -1.0757% | 6,892 |
| Return on Equity (ROE) | -11.3999% | 6,981 |
| Retained earnings to average equity (ytd only) | -11.3999% | 6,941 |
| Net charge-offs to loans | 3.8586% | 326 |
| Credit loss provision to net charge-offs | 87.6873% | 4,867 |
| Earnings coverage of net charge-offs (x) | 0.2907% | 5,738 |
| Efficiency ratio | 83.5016% | 1,890 |
| Assets per employee ($millions) | 2.6472% | 6,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 2,772 |
| Loan loss allowance to noncurrent loans | 33.8774% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 5.6927% | 1,070 |
| Noncurrent loans to loans | 5.3275% | 1,268 |
| Net loans and leases to total assets | 56.5661% | 5,471 |
| Net loans and leases to deposits | 62.4552% | 6,067 |
| Net loans and leases to core deposits | 69.9013% | 5,759 |
| Total domestic deposits to total assets | 90.5707% | 611 |
| Equity capital to assets | 9.1591% | 5,370 |
| Core capital (leverage) ratio | 8.5379% | 5,436 |
| Tier 1 risk-based capital ratio | 14.7485% | 3,369 |
| Total risk-based capital ratio | 16.0054% | 3,352 |
| Memoranda: | ||
| Average total assets | $126,677,500 | 4,400 |
| Average earning assets | $118,365,250 | 4,325 |
| Average equity | $11,953,000 | 4,690 |
| Average total loans | $73,807,250 | 4,610 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6342% | 2,007 |
| Cost of funding earning assets | 1.3020% | 4,525 |
| Net interest margin | 4.3322% | 1,661 |
| Noninterest income to average assets | -0.1481% | 7,658 |
| Noninterest expense to average assets | 3.3403% | 2,431 |
| Loan and lease loss provision to assets | 0.7528% | 1,920 |
| Net operating income to assets | -0.1855% | 6,339 |
| Return on assets (ROA) | -0.1465% | 6,351 |
| Pretax return on assets | -0.1465% | 6,289 |
| Return on Equity (ROE) | -1.5385% | 6,380 |
| Retained earnings to average equity (ytd only) | -1.5385% | 6,074 |
| Net charge-offs to loans | 2.4471% | 713 |
| Credit loss provision to net charge-offs | 52.6144% | 5,363 |
| Earnings coverage of net charge-offs (x) | 0.3965% | 5,340 |
| Efficiency ratio | 85.4807% | 1,775 |
| Assets per employee ($millions) | 2.6829% | 6,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4837% | 4,002 |
| Loan loss allowance to noncurrent loans | 36.2612% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 4.6722% | 1,389 |
| Noncurrent loans to loans | 4.0918% | 1,840 |
| Net loans and leases to total assets | 58.8589% | 5,273 |
| Net loans and leases to deposits | 65.6369% | 5,855 |
| Net loans and leases to core deposits | 72.9564% | 5,561 |
| Total domestic deposits to total assets | 89.6736% | 1,086 |
| Equity capital to assets | 10.0177% | 4,007 |
| Core capital (leverage) ratio | 8.9665% | 4,657 |
| Tier 1 risk-based capital ratio | 15.6195% | 2,841 |
| Total risk-based capital ratio | 16.8722% | 2,807 |
| Memoranda: | ||
| Average total assets | $128,313,670 | 4,395 |
| Average earning assets | $120,124,000 | 4,309 |
| Average equity | $12,219,670 | 4,620 |
| Average total loans | $75,027,670 | 4,600 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5580% | 2,334 |
| Cost of funding earning assets | 1.3960% | 4,208 |
| Net interest margin | 4.1620% | 2,185 |
| Noninterest income to average assets | 0.0551% | 7,438 |
| Noninterest expense to average assets | 3.2333% | 2,748 |
| Loan and lease loss provision to assets | 0.6699% | 1,891 |
| Net operating income to assets | 0.0551% | 6,144 |
| Return on assets (ROA) | 0.0581% | 6,246 |
| Pretax return on assets | 0.0581% | 6,234 |
| Return on Equity (ROE) | 0.6256% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.6256% | 5,573 |
| Net charge-offs to loans | 3.9696% | 334 |
| Credit loss provision to net charge-offs | 29.1611% | 4,829 |
| Earnings coverage of net charge-offs (x) | 0.3156% | 4,760 |
| Efficiency ratio | 81.6847% | 2,318 |
| Assets per employee ($millions) | 2.8674% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 4,746 |
| Loan loss allowance to noncurrent loans | 41.8732% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 3.4178% | 2,064 |
| Noncurrent loans to loans | 3.1963% | 2,497 |
| Net loans and leases to total assets | 56.9592% | 5,615 |
| Net loans and leases to deposits | 63.1851% | 6,149 |
| Net loans and leases to core deposits | 69.5271% | 5,955 |
| Total domestic deposits to total assets | 90.1466% | 917 |
| Equity capital to assets | 9.4636% | 4,592 |
| Core capital (leverage) ratio | 9.1666% | 4,273 |
| Tier 1 risk-based capital ratio | 15.5584% | 2,846 |
| Total risk-based capital ratio | 16.8091% | 2,788 |
| Memoranda: | ||
| Average total assets | $130,764,500 | 4,393 |
| Average earning assets | $122,633,500 | 4,312 |
| Average equity | $12,148,000 | 4,677 |
| Average total loans | $75,675,000 | 4,646 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9775% | 1,953 |
| Cost of funding earning assets | 2.0188% | 2,878 |
| Net interest margin | 3.9587% | 3,033 |
| Noninterest income to average assets | -0.0147% | 7,730 |
| Noninterest expense to average assets | 3.5719% | 2,213 |
| Loan and lease loss provision to assets | 1.1208% | 2,038 |
| Net operating income to assets | -0.5644% | 6,240 |
| Return on assets (ROA) | -0.5233% | 6,201 |
| Pretax return on assets | -0.9252% | 6,361 |
| Return on Equity (ROE) | -5.5651% | 6,272 |
| Retained earnings to average equity (ytd only) | -5.5651% | 6,096 |
| Net charge-offs to loans | 1.4700% | 1,708 |
| Credit loss provision to net charge-offs | 120.4319% | 4,444 |
| Earnings coverage of net charge-offs (x) | 0.1412% | 6,020 |
| Efficiency ratio | 96.4517% | 1,295 |
| Assets per employee ($millions) | 2.8191% | 6,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 2,059 |
| Loan loss allowance to noncurrent loans | 45.0501% | 5,398 |
| Noncurrent assets plus other real estate owned to assets | 4.4386% | 1,456 |
| Noncurrent loans to loans | 4.4159% | 1,621 |
| Net loans and leases to total assets | 56.8529% | 5,845 |
| Net loans and leases to deposits | 62.8003% | 6,384 |
| Net loans and leases to core deposits | 93.8211% | 4,689 |
| Total domestic deposits to total assets | 90.5297% | 731 |
| Equity capital to assets | 9.1209% | 4,953 |
| Core capital (leverage) ratio | 8.9131% | 4,572 |
| Tier 1 risk-based capital ratio | 15.2907% | 2,800 |
| Total risk-based capital ratio | 16.5488% | 2,757 |
| Memoranda: | ||
| Average total assets | $129,370,600 | 4,348 |
| Average earning assets | $121,506,000 | 4,277 |
| Average equity | $12,165,200 | 4,709 |
| Average total loans | $81,904,000 | 4,447 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0667% | 1,768 |
| Cost of funding earning assets | 2.1355% | 2,726 |
| Net interest margin | 3.9312% | 3,118 |
| Noninterest income to average assets | -0.0944% | 7,927 |
| Noninterest expense to average assets | 3.6425% | 1,938 |
| Loan and lease loss provision to assets | 1.5035% | 1,276 |
| Net operating income to assets | -1.5449% | 7,136 |
| Return on assets (ROA) | -1.5076% | 7,114 |
| Pretax return on assets | -1.5076% | 6,968 |
| Return on Equity (ROE) | -15.9096% | 7,231 |
| Retained earnings to average equity (ytd only) | -15.9096% | 7,182 |
| Net charge-offs to loans | 1.8485% | 1,093 |
| Credit loss provision to net charge-offs | 125.7589% | 4,001 |
| Earnings coverage of net charge-offs (x) | -0.0347% | 6,109 |
| Efficiency ratio | 101.1517% | 1,014 |
| Assets per employee ($millions) | 2.8731% | 6,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9668% | 1,873 |
| Loan loss allowance to noncurrent loans | 54.9374% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 4.0919% | 1,547 |
| Noncurrent loans to loans | 3.5801% | 2,086 |
| Net loans and leases to total assets | 59.5866% | 5,648 |
| Net loans and leases to deposits | 65.6217% | 6,344 |
| Net loans and leases to core deposits | 97.9576% | 4,606 |
| Total domestic deposits to total assets | 90.8031% | 482 |
| Equity capital to assets | 8.6491% | 6,034 |
| Core capital (leverage) ratio | 8.8177% | 4,944 |
| Tier 1 risk-based capital ratio | 14.2843% | 3,394 |
| Total risk-based capital ratio | 15.5432% | 3,336 |
| Memoranda: | ||
| Average total assets | $128,588,750 | 4,398 |
| Average earning assets | $120,875,000 | 4,324 |
| Average equity | $12,185,250 | 4,748 |
| Average total loans | $83,165,500 | 4,442 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9988% | 2,182 |
| Cost of funding earning assets | 2.2606% | 2,525 |
| Net interest margin | 3.7382% | 3,799 |
| Noninterest income to average assets | -0.3658% | 8,104 |
| Noninterest expense to average assets | 3.7442% | 1,753 |
| Loan and lease loss provision to assets | 0.6280% | 2,548 |
| Net operating income to assets | -1.2229% | 7,125 |
| Return on assets (ROA) | -0.9451% | 6,936 |
| Pretax return on assets | -0.9451% | 6,776 |
| Return on Equity (ROE) | -9.6810% | 7,010 |
| Retained earnings to average equity (ytd only) | -9.6810% | 6,843 |
| Net charge-offs to loans | 1.1105% | 1,632 |
| Credit loss provision to net charge-offs | 85.6531% | 5,046 |
| Earnings coverage of net charge-offs (x) | -0.8116% | 6,180 |
| Efficiency ratio | 118.8933% | 684 |
| Assets per employee ($millions) | 2.5634% | 7,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 3,447 |
| Loan loss allowance to noncurrent loans | 31.0997% | 6,398 |
| Noncurrent assets plus other real estate owned to assets | 4.3544% | 1,318 |
| Noncurrent loans to loans | 4.6720% | 1,358 |
| Net loans and leases to total assets | 64.3479% | 4,911 |
| Net loans and leases to deposits | 71.6991% | 5,778 |
| Net loans and leases to core deposits | 101.6741% | 4,313 |
| Total domestic deposits to total assets | 89.7471% | 937 |
| Equity capital to assets | 9.3767% | 4,773 |
| Core capital (leverage) ratio | 9.4485% | 3,963 |
| Tier 1 risk-based capital ratio | 14.7029% | 3,144 |
| Total risk-based capital ratio | 15.9577% | 3,076 |
| Memoranda: | ||
| Average total assets | $127,397,000 | 4,446 |
| Average earning assets | $119,790,330 | 4,372 |
| Average equity | $12,436,670 | 4,694 |
| Average total loans | $84,110,000 | 4,458 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0549% | 2,128 |
| Cost of funding earning assets | 2.3657% | 2,437 |
| Net interest margin | 3.6892% | 3,936 |
| Noninterest income to average assets | -0.6267% | 8,199 |
| Noninterest expense to average assets | 3.6469% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.8062% | 7,132 |
| Return on assets (ROA) | -0.5543% | 6,976 |
| Pretax return on assets | -0.5543% | 6,864 |
| Return on Equity (ROE) | -5.5670% | 7,028 |
| Retained earnings to average equity (ytd only) | -5.5670% | 6,630 |
| Net charge-offs to loans | 1.0721% | 1,269 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -1.1327% | 5,389 |
| Efficiency ratio | 128.3814% | 519 |
| Assets per employee ($millions) | 2.5280% | 7,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,311 |
| Loan loss allowance to noncurrent loans | 29.0464% | 6,614 |
| Noncurrent assets plus other real estate owned to assets | 4.3101% | 1,143 |
| Noncurrent loans to loans | 4.3545% | 1,337 |
| Net loans and leases to total assets | 63.9967% | 4,987 |
| Net loans and leases to deposits | 71.5862% | 5,799 |
| Net loans and leases to core deposits | 104.5157% | 4,079 |
| Total domestic deposits to total assets | 89.3981% | 1,054 |
| Equity capital to assets | 9.7099% | 4,370 |
| Core capital (leverage) ratio | 9.8698% | 3,563 |
| Tier 1 risk-based capital ratio | 14.9575% | 3,086 |
| Total risk-based capital ratio | 16.2076% | 3,017 |
| Memoranda: | ||
| Average total assets | $127,011,000 | 4,465 |
| Average earning assets | $119,374,500 | 4,402 |
| Average equity | $12,646,000 | 4,667 |
| Average total loans | $84,320,000 | 4,484 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8066% | 1,653 |
| Cost of funding earning assets | 2.6743% | 3,297 |
| Net interest margin | 4.1324% | 2,576 |
| Noninterest income to average assets | 0.4138% | 5,358 |
| Noninterest expense to average assets | 3.7928% | 1,765 |
| Loan and lease loss provision to assets | 0.2829% | 4,128 |
| Net operating income to assets | 0.3782% | 5,236 |
| Return on assets (ROA) | 0.0086% | 6,204 |
| Pretax return on assets | -0.3573% | 6,507 |
| Return on Equity (ROE) | 0.0885% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.0885% | 5,182 |
| Net charge-offs to loans | 0.2840% | 3,507 |
| Credit loss provision to net charge-offs | 143.8247% | 3,677 |
| Earnings coverage of net charge-offs (x) | 2.5578% | 4,800 |
| Efficiency ratio | 88.2889% | 1,656 |
| Assets per employee ($millions) | 2.3165% | 7,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5081% | 2,636 |
| Loan loss allowance to noncurrent loans | 35.3054% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 4.4471% | 856 |
| Noncurrent loans to loans | 4.2717% | 1,138 |
| Net loans and leases to total assets | 66.9819% | 4,640 |
| Net loans and leases to deposits | 75.2767% | 5,688 |
| Net loans and leases to core deposits | 108.9046% | 3,871 |
| Total domestic deposits to total assets | 88.9809% | 1,049 |
| Equity capital to assets | 10.2109% | 3,791 |
| Core capital (leverage) ratio | 10.2724% | 3,196 |
| Tier 1 risk-based capital ratio | 15.0449% | 3,022 |
| Total risk-based capital ratio | 16.2983% | 2,941 |
| Memoranda: | ||
| Average total assets | $127,611,200 | 4,332 |
| Average earning assets | $119,883,000 | 4,261 |
| Average equity | $12,424,600 | 4,720 |
| Average total loans | $88,369,800 | 4,278 |