Home > Talbot State Bank > Performance and Condition Ratios
Talbot State 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 | 5.6125% | 1,019 |
| Cost of funding earning assets | 2.1695% | 679 |
| Net interest margin | 3.4429% | 2,315 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 4.2759% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.9044% | 4,532 |
| Return on assets (ROA) | -0.8939% | 4,519 |
| Pretax return on assets | -0.8939% | 4,517 |
| Return on Equity (ROE) | -15.1600% | 4,526 |
| Retained earnings to average equity (ytd only) | -15.1578% | 4,498 |
| Net charge-offs to loans | 0.0119% | 2,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | -129.5000% | 4,595 |
| Efficiency ratio | 126.8255% | 70 |
| Assets per employee ($millions) | 4.1196% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5811% | 4,267 |
| Loan loss allowance to noncurrent loans | 21.7344% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.5795% | 230 |
| Noncurrent loans to loans | 2.6738% | 169 |
| Net loans and leases to total assets | 58.7300% | 2,976 |
| Net loans and leases to deposits | 67.4224% | 3,077 |
| Net loans and leases to core deposits | 105.8134% | 1,120 |
| Total domestic deposits to total assets | 87.1100% | 1,640 |
| Equity capital to assets | 5.7737% | 4,282 |
| Core capital (leverage) ratio | 10.3012% | 2,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4058% | 455 |
| Memoranda: | ||
| Average total assets | $57,274,000 | 4,245 |
| Average earning assets | $55,127,200 | 4,195 |
| Average equity | $3,377,800 | 4,399 |
| Average total loans | $33,475,800 | 4,090 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6379% | 867 |
| Cost of funding earning assets | 2.0803% | 619 |
| Net interest margin | 3.5576% | 2,095 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 4.2513% | 310 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | -0.7742% | 4,554 |
| Return on assets (ROA) | -0.7602% | 4,547 |
| Pretax return on assets | -0.7602% | 4,535 |
| Return on Equity (ROE) | -12.8200% | 4,553 |
| Retained earnings to average equity (ytd only) | -12.8227% | 4,519 |
| Net charge-offs to loans | 0.0040% | 2,351 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | -328.0000% | 4,634 |
| Efficiency ratio | 121.9398% | 73 |
| Assets per employee ($millions) | 3.9262% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5802% | 4,293 |
| Loan loss allowance to noncurrent loans | 23.8663% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.5246% | 241 |
| Noncurrent loans to loans | 2.4310% | 205 |
| Net loans and leases to total assets | 62.3500% | 2,616 |
| Net loans and leases to deposits | 71.1179% | 2,766 |
| Net loans and leases to core deposits | 113.7174% | 742 |
| Total domestic deposits to total assets | 87.6700% | 1,675 |
| Equity capital to assets | 4.8502% | 4,277 |
| Core capital (leverage) ratio | 10.4483% | 2,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7692% | 394 |
| Memoranda: | ||
| Average total assets | $57,173,750 | 4,258 |
| Average earning assets | $55,055,000 | 4,214 |
| Average equity | $3,389,750 | 4,414 |
| Average total loans | $33,327,000 | 4,109 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4997% | 832 |
| Cost of funding earning assets | 1.9419% | 562 |
| Net interest margin | 3.5578% | 2,134 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 4.1168% | 321 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | -0.6458% | 4,579 |
| Return on assets (ROA) | -0.6251% | 4,571 |
| Pretax return on assets | -0.6251% | 4,563 |
| Return on Equity (ROE) | -9.9700% | 4,577 |
| Retained earnings to average equity (ytd only) | -9.9697% | 4,511 |
| Net charge-offs to loans | 0.0061% | 2,022 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | -183.0000% | 4,659 |
| Efficiency ratio | 118.1368% | 74 |
| Assets per employee ($millions) | 3.8008% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6164% | 4,284 |
| Loan loss allowance to noncurrent loans | 18.0343% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.9452% | 146 |
| Noncurrent loans to loans | 3.4178% | 116 |
| Net loans and leases to total assets | 56.5600% | 3,081 |
| Net loans and leases to deposits | 63.8726% | 3,198 |
| Net loans and leases to core deposits | 99.2490% | 1,274 |
| Total domestic deposits to total assets | 88.5600% | 1,393 |
| Equity capital to assets | 6.0163% | 4,147 |
| Core capital (leverage) ratio | 10.2365% | 2,533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4790% | 334 |
| Memoranda: | ||
| Average total assets | $57,909,333 | 4,269 |
| Average earning assets | $55,821,333 | 4,231 |
| Average equity | $3,631,000 | 4,428 |
| Average total loans | $32,945,667 | 4,126 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5163% | 603 |
| Cost of funding earning assets | 1.7487% | 500 |
| Net interest margin | 3.7675% | 1,754 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 3.9960% | 351 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | -0.3221% | 4,569 |
| Return on assets (ROA) | -0.2810% | 4,554 |
| Pretax return on assets | -0.2810% | 4,544 |
| Return on Equity (ROE) | -4.4000% | 4,546 |
| Retained earnings to average equity (ytd only) | -4.3950% | 4,305 |
| Net charge-offs to loans | 0.0121% | 1,500 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -46.0000% | 4,680 |
| Efficiency ratio | 108.5661% | 108 |
| Assets per employee ($millions) | 4.0022% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5960% | 4,364 |
| Loan loss allowance to noncurrent loans | 20.4082% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.6324% | 183 |
| Noncurrent loans to loans | 2.9204% | 154 |
| Net loans and leases to total assets | 55.5600% | 3,067 |
| Net loans and leases to deposits | 62.8027% | 3,178 |
| Net loans and leases to core deposits | 91.7434% | 1,517 |
| Total domestic deposits to total assets | 88.4700% | 1,748 |
| Equity capital to assets | 6.4065% | 4,060 |
| Core capital (leverage) ratio | 10.3407% | 2,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4940% | 377 |
| Memoranda: | ||
| Average total assets | $58,358,000 | 4,327 |
| Average earning assets | $56,270,000 | 4,280 |
| Average equity | $3,731,500 | 4,476 |
| Average total loans | $33,194,500 | 4,181 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 229 |
| Cost of funding earning assets | 1.4291% | 36 |
| Net interest margin | 3.7588% | 1,244 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 4.2540% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.5631% | 4,647 |
| Return on assets (ROA) | -0.5631% | 4,637 |
| Pretax return on assets | -0.5631% | 4,632 |
| Return on Equity (ROE) | -7.0300% | 4,644 |
| Retained earnings to average equity (ytd only) | -7.0283% | 4,606 |
| Net charge-offs to loans | 0.0151% | 1,823 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | -65.2000% | 4,714 |
| Efficiency ratio | 115.2550% | 73 |
| Assets per employee ($millions) | 3.7789% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6153% | 4,324 |
| Loan loss allowance to noncurrent loans | 20.3424% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.7518% | 156 |
| Noncurrent loans to loans | 3.0245% | 140 |
| Net loans and leases to total assets | 57.5700% | 2,862 |
| Net loans and leases to deposits | 61.5405% | 3,231 |
| Net loans and leases to core deposits | 85.6970% | 1,775 |
| Total domestic deposits to total assets | 93.5400% | 302 |
| Equity capital to assets | 6.3811% | 3,949 |
| Core capital (leverage) ratio | 10.8426% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6547% | 315 |
| Memoranda: | ||
| Average total assets | $57,898,800 | 4,356 |
| Average earning assets | $55,630,000 | 4,315 |
| Average equity | $4,638,400 | 4,468 |
| Average total loans | $33,067,800 | 4,189 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 195 |
| Cost of funding earning assets | 1.4038% | 11 |
| Net interest margin | 3.6574% | 1,251 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 4.2723% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.6895% | 4,693 |
| Return on assets (ROA) | -0.6895% | 4,682 |
| Pretax return on assets | -0.6895% | 4,675 |
| Return on Equity (ROE) | -8.2000% | 4,691 |
| Retained earnings to average equity (ytd only) | -8.2007% | 4,657 |
| Net charge-offs to loans | 0.0121% | 1,667 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | -100.3333% | 4,758 |
| Efficiency ratio | 119.2455% | 69 |
| Assets per employee ($millions) | 3.6481% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6105% | 4,371 |
| Loan loss allowance to noncurrent loans | 20.2595% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.8311% | 154 |
| Noncurrent loans to loans | 3.0134% | 156 |
| Net loans and leases to total assets | 60.3900% | 2,459 |
| Net loans and leases to deposits | 64.3941% | 2,834 |
| Net loans and leases to core deposits | 89.8217% | 1,304 |
| Total domestic deposits to total assets | 93.7900% | 397 |
| Equity capital to assets | 6.1145% | 3,917 |
| Core capital (leverage) ratio | 10.7568% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3744% | 332 |
| Memoranda: | ||
| Average total assets | $58,202,750 | 4,388 |
| Average earning assets | $55,848,250 | 4,351 |
| Average equity | $4,893,750 | 4,486 |
| Average total loans | $33,126,750 | 4,211 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8562% | 210 |
| Cost of funding earning assets | 1.3694% | 6 |
| Net interest margin | 3.4868% | 1,351 |
| Noninterest income to average assets | 0.0539% | 4,620 |
| Noninterest expense to average assets | 4.0834% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.6839% | 4,696 |
| Return on assets (ROA) | -0.6839% | 4,684 |
| Pretax return on assets | -0.6839% | 4,675 |
| Return on Equity (ROE) | -7.5051% | 4,705 |
| Retained earnings to average equity (ytd only) | -7.5051% | 4,607 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.1189% | 78 |
| Assets per employee ($millions) | 3.8687% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6171% | 4,446 |
| Loan loss allowance to noncurrent loans | 15.4539% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 2.2971% | 101 |
| Noncurrent loans to loans | 3.9932% | 95 |
| Net loans and leases to total assets | 57.1704% | 2,619 |
| Net loans and leases to deposits | 61.6929% | 2,913 |
| Net loans and leases to core deposits | 83.8922% | 1,458 |
| Total domestic deposits to total assets | 92.6693% | 596 |
| Equity capital to assets | 7.2445% | 3,633 |
| Core capital (leverage) ratio | 10.7082% | 1,795 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0131% | 322 |
| Memoranda: | ||
| Average total assets | $59,363,000 | 4,421 |
| Average earning assets | $56,957,667 | 4,387 |
| Average equity | $5,409,667 | 4,483 |
| Average total loans | $33,085,000 | 4,263 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7345% | 215 |
| Cost of funding earning assets | 1.3905% | 5 |
| Net interest margin | 3.3441% | 1,461 |
| Noninterest income to average assets | 0.0466% | 4,661 |
| Noninterest expense to average assets | 3.9381% | 290 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.6863% | 4,725 |
| Return on assets (ROA) | -0.6863% | 4,717 |
| Pretax return on assets | -0.6863% | 4,707 |
| Return on Equity (ROE) | -6.8524% | 4,721 |
| Retained earnings to average equity (ytd only) | -6.8524% | 4,486 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.1066% | 85 |
| Assets per employee ($millions) | 3.9693% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6032% | 4,508 |
| Loan loss allowance to noncurrent loans | 22.3427% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 232 |
| Noncurrent loans to loans | 2.6996% | 215 |
| Net loans and leases to total assets | 57.0155% | 2,416 |
| Net loans and leases to deposits | 62.8171% | 2,639 |
| Net loans and leases to core deposits | 86.1665% | 1,120 |
| Total domestic deposits to total assets | 90.7642% | 1,154 |
| Equity capital to assets | 9.1552% | 2,567 |
| Core capital (leverage) ratio | 10.6018% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2770% | 322 |
| Memoranda: | ||
| Average total assets | $60,029,500 | 4,440 |
| Average earning assets | $57,535,000 | 4,408 |
| Average equity | $6,012,500 | 4,465 |
| Average total loans | $32,936,500 | 4,277 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 382 |
| Cost of funding earning assets | 1.7967% | 4 |
| Net interest margin | 2.9670% | 3,277 |
| Noninterest income to average assets | 0.0966% | 4,621 |
| Noninterest expense to average assets | 3.9962% | 287 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -1.0678% | 4,789 |
| Return on assets (ROA) | 0.0164% | 4,679 |
| Pretax return on assets | 0.0164% | 4,677 |
| Return on Equity (ROE) | 0.1450% | 4,679 |
| Retained earnings to average equity (ytd only) | 0.1450% | 4,451 |
| Net charge-offs to loans | -0.0158% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.4653% | 47 |
| Assets per employee ($millions) | 4.3228% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 4,494 |
| Loan loss allowance to noncurrent loans | 22.3185% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.5251% | 269 |
| Noncurrent loans to loans | 2.9098% | 205 |
| Net loans and leases to total assets | 52.0729% | 3,059 |
| Net loans and leases to deposits | 58.4632% | 3,207 |
| Net loans and leases to core deposits | 82.4672% | 1,422 |
| Total domestic deposits to total assets | 89.0695% | 1,476 |
| Equity capital to assets | 10.8627% | 1,890 |
| Core capital (leverage) ratio | 10.7057% | 1,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7074% | 287 |
| Memoranda: | ||
| Average total assets | $61,058,000 | 4,441 |
| Average earning assets | $58,275,000 | 4,403 |
| Average equity | $6,896,800 | 4,434 |
| Average total loans | $31,677,800 | 4,347 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 399 |
| Cost of funding earning assets | 1.8380% | 4 |
| Net interest margin | 2.9788% | 3,361 |
| Noninterest income to average assets | 0.1133% | 4,609 |
| Noninterest expense to average assets | 3.9415% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.9892% | 4,862 |
| Return on assets (ROA) | 0.4532% | 4,322 |
| Pretax return on assets | 0.4532% | 4,427 |
| Return on Equity (ROE) | 3.9746% | 4,305 |
| Retained earnings to average equity (ytd only) | 3.9746% | 3,582 |
| Net charge-offs to loans | -0.0211% | 3,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5055% | 52 |
| Assets per employee ($millions) | 4.1603% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6489% | 4,573 |
| Loan loss allowance to noncurrent loans | 27.9133% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1826% | 502 |
| Noncurrent loans to loans | 2.3246% | 347 |
| Net loans and leases to total assets | 50.5432% | 3,344 |
| Net loans and leases to deposits | 56.8603% | 3,500 |
| Net loans and leases to core deposits | 84.0242% | 1,429 |
| Total domestic deposits to total assets | 88.8901% | 1,348 |
| Equity capital to assets | 10.9961% | 2,023 |
| Core capital (leverage) ratio | 10.7364% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7557% | 441 |
| Memoranda: | ||
| Average total assets | $61,192,750 | 4,498 |
| Average earning assets | $58,322,250 | 4,462 |
| Average equity | $6,977,500 | 4,484 |
| Average total loans | $31,667,250 | 4,409 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9065% | 400 |
| Cost of funding earning assets | 1.8430% | 4 |
| Net interest margin | 3.0635% | 3,136 |
| Noninterest income to average assets | 0.1119% | 4,644 |
| Noninterest expense to average assets | 3.8198% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.7929% | 4,892 |
| Return on assets (ROA) | 0.1875% | 4,661 |
| Pretax return on assets | 0.1875% | 4,679 |
| Return on Equity (ROE) | 1.6249% | 4,632 |
| Retained earnings to average equity (ytd only) | 1.6249% | 4,212 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.1957% | 66 |
| Assets per employee ($millions) | 4.1773% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6386% | 4,613 |
| Loan loss allowance to noncurrent loans | 28.1119% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.1794% | 592 |
| Noncurrent loans to loans | 2.2716% | 387 |
| Net loans and leases to total assets | 49.9130% | 3,562 |
| Net loans and leases to deposits | 56.3179% | 3,688 |
| Net loans and leases to core deposits | 85.0234% | 1,492 |
| Total domestic deposits to total assets | 88.6273% | 1,488 |
| Equity capital to assets | 11.2673% | 1,781 |
| Core capital (leverage) ratio | 10.6023% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2035% | 293 |
| Memoranda: | ||
| Average total assets | $60,789,000 | 4,531 |
| Average earning assets | $57,841,667 | 4,501 |
| Average equity | $7,016,000 | 4,508 |
| Average total loans | $31,640,667 | 4,439 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0624% | 321 |
| Cost of funding earning assets | 1.8562% | 6 |
| Net interest margin | 3.2062% | 2,678 |
| Noninterest income to average assets | 0.1470% | 4,466 |
| Noninterest expense to average assets | 3.8560% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.6616% | 4,910 |
| Return on assets (ROA) | -0.6616% | 4,910 |
| Pretax return on assets | -0.6616% | 4,904 |
| Return on Equity (ROE) | -5.6620% | 4,910 |
| Retained earnings to average equity (ytd only) | -5.6620% | 4,723 |
| Net charge-offs to loans | 0.0126% | 1,499 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | -99.0000% | 1,926 |
| Efficiency ratio | 120.7113% | 72 |
| Assets per employee ($millions) | 4.0671% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6287% | 4,654 |
| Loan loss allowance to noncurrent loans | 30.3490% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.1195% | 697 |
| Noncurrent loans to loans | 2.0715% | 508 |
| Net loans and leases to total assets | 51.8186% | 3,463 |
| Net loans and leases to deposits | 58.6392% | 3,592 |
| Net loans and leases to core deposits | 89.8812% | 1,238 |
| Total domestic deposits to total assets | 88.3685% | 1,669 |
| Equity capital to assets | 11.5282% | 1,525 |
| Core capital (leverage) ratio | 10.7484% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7695% | 278 |
| Memoranda: | ||
| Average total assets | $59,854,000 | 4,557 |
| Average earning assets | $56,890,500 | 4,531 |
| Average equity | $6,994,000 | 4,523 |
| Average total loans | $31,723,000 | 4,457 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5991% | 156 |
| Cost of funding earning assets | 2.0204% | 7 |
| Net interest margin | 3.5787% | 2,221 |
| Noninterest income to average assets | 0.0706% | 4,817 |
| Noninterest expense to average assets | 4.2987% | 288 |
| Loan and lease loss provision to assets | -0.3528% | 4,992 |
| Net operating income to assets | -0.4604% | 4,874 |
| Return on assets (ROA) | 0.0212% | 4,756 |
| Pretax return on assets | 0.0212% | 4,752 |
| Return on Equity (ROE) | 0.1717% | 4,757 |
| Retained earnings to average equity (ytd only) | -2.9468% | 4,761 |
| Net charge-offs to loans | 0.0100% | 2,960 |
| Credit loss provision to net charge-offs | -6,666.6667% | 4,368 |
| Earnings coverage of net charge-offs (x) | -153.6667% | 3,438 |
| Efficiency ratio | 123.3300% | 71 |
| Assets per employee ($millions) | 3.9134% | 4,437 |
| Cash dividends to net income (ytd only)* | 1,816.6667% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 4,677 |
| Loan loss allowance to noncurrent loans | 18.0108% | 4,369 |
| Noncurrent assets plus other real estate owned to assets | 1.9420% | 296 |
| Noncurrent loans to loans | 3.5280% | 194 |
| Net loans and leases to total assets | 53.5459% | 3,531 |
| Net loans and leases to deposits | 60.8004% | 3,696 |
| Net loans and leases to core deposits | 95.3554% | 1,157 |
| Total domestic deposits to total assets | 88.0683% | 1,441 |
| Equity capital to assets | 11.8482% | 1,650 |
| Core capital (leverage) ratio | 11.5059% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.7405% | 271 |
| Memoranda: | ||
| Average total assets | $56,692,200 | 4,561 |
| Average earning assets | $54,098,200 | 4,525 |
| Average equity | $6,990,600 | 4,529 |
| Average total loans | $29,957,600 | 4,519 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 192 |
| Cost of funding earning assets | 2.0398% | 8 |
| Net interest margin | 3.5518% | 2,416 |
| Noninterest income to average assets | 0.0641% | 4,864 |
| Noninterest expense to average assets | 4.2403% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.7759% | 4,926 |
| Return on assets (ROA) | -0.1281% | 4,832 |
| Pretax return on assets | -0.1281% | 4,819 |
| Return on Equity (ROE) | -1.0286% | 4,836 |
| Retained earnings to average equity (ytd only) | -3.4287% | 4,792 |
| Net charge-offs to loans | 0.0090% | 2,784 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -163.5000% | 3,237 |
| Efficiency ratio | 122.3973% | 71 |
| Assets per employee ($millions) | 3.7533% | 4,516 |
| Cash dividends to net income (ytd only)* | -233.3333% | 5,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 2,164 |
| Loan loss allowance to noncurrent loans | 31.2112% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 2.2878% | 252 |
| Noncurrent loans to loans | 4.1583% | 154 |
| Net loans and leases to total assets | 54.3029% | 3,778 |
| Net loans and leases to deposits | 61.9883% | 3,932 |
| Net loans and leases to core deposits | 99.9314% | 1,169 |
| Total domestic deposits to total assets | 87.6019% | 1,395 |
| Equity capital to assets | 12.2773% | 1,531 |
| Core capital (leverage) ratio | 11.5400% | 1,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4753% | 266 |
| Memoranda: | ||
| Average total assets | $56,190,000 | 4,580 |
| Average earning assets | $53,793,500 | 4,548 |
| Average equity | $6,999,500 | 4,542 |
| Average total loans | $29,538,750 | 4,549 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5377% | 319 |
| Cost of funding earning assets | 2.0445% | 17 |
| Net interest margin | 3.4932% | 2,807 |
| Noninterest income to average assets | 0.0570% | 4,894 |
| Noninterest expense to average assets | 4.2063% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.8085% | 4,946 |
| Return on assets (ROA) | -0.2636% | 4,869 |
| Pretax return on assets | -0.2636% | 4,860 |
| Return on Equity (ROE) | -2.1057% | 4,874 |
| Retained earnings to average equity (ytd only) | -5.6910% | 4,800 |
| Net charge-offs to loans | 0.0138% | 2,478 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -113.5000% | 3,027 |
| Efficiency ratio | 123.7945% | 78 |
| Assets per employee ($millions) | 3.7950% | 4,472 |
| Cash dividends to net income (ytd only)* | -170.2703% | 5,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3524% | 1,769 |
| Loan loss allowance to noncurrent loans | 29.3645% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 2.4049% | 243 |
| Noncurrent loans to loans | 4.6054% | 129 |
| Net loans and leases to total assets | 51.5134% | 4,059 |
| Net loans and leases to deposits | 58.7361% | 4,178 |
| Net loans and leases to core deposits | 93.9661% | 1,743 |
| Total domestic deposits to total assets | 87.7031% | 1,327 |
| Equity capital to assets | 12.1862% | 1,544 |
| Core capital (leverage) ratio | 11.7135% | 1,545 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.5190% | 251 |
| Memoranda: | ||
| Average total assets | $56,153,667 | 4,594 |
| Average earning assets | $53,705,000 | 4,557 |
| Average equity | $7,028,667 | 4,562 |
| Average total loans | $29,060,333 | 4,579 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6537% | 271 |
| Cost of funding earning assets | 2.0825% | 23 |
| Net interest margin | 3.5711% | 2,765 |
| Noninterest income to average assets | 0.0574% | 4,954 |
| Noninterest expense to average assets | 4.0955% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.6312% | 4,951 |
| Return on assets (ROA) | 0.4662% | 4,039 |
| Pretax return on assets | 0.4662% | 4,180 |
| Return on Equity (ROE) | 3.6752% | 4,045 |
| Retained earnings to average equity (ytd only) | 3.6752% | 2,813 |
| Net charge-offs to loans | 0.0278% | 1,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -44.0000% | 2,556 |
| Efficiency ratio | 118.2195% | 113 |
| Assets per employee ($millions) | 3.6634% | 4,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 1,732 |
| Loan loss allowance to noncurrent loans | 29.3217% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 2.5241% | 266 |
| Noncurrent loans to loans | 4.7441% | 140 |
| Net loans and leases to total assets | 51.8589% | 4,126 |
| Net loans and leases to deposits | 59.2626% | 4,231 |
| Net loans and leases to core deposits | 97.0078% | 1,718 |
| Total domestic deposits to total assets | 87.5071% | 1,329 |
| Equity capital to assets | 12.3783% | 1,809 |
| Core capital (leverage) ratio | 11.9628% | 1,766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8542% | 235 |
| Memoranda: | ||
| Average total assets | $55,768,000 | 4,611 |
| Average earning assets | $53,204,500 | 4,580 |
| Average equity | $7,074,500 | 4,592 |
| Average total loans | $28,727,500 | 4,622 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8820% | 272 |
| Cost of funding earning assets | 2.1948% | 24 |
| Net interest margin | 3.6873% | 2,844 |
| Noninterest income to average assets | 0.2787% | 4,015 |
| Noninterest expense to average assets | 4.0585% | 497 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.2536% | 5,027 |
| Return on assets (ROA) | 1.4088% | 1,398 |
| Pretax return on assets | 1.4088% | 2,126 |
| Return on Equity (ROE) | 12.3528% | 1,382 |
| Retained earnings to average equity (ytd only) | 11.9847% | 245 |
| Net charge-offs to loans | 0.0253% | 2,888 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | -21.5714% | 3,701 |
| Efficiency ratio | 106.6637% | 117 |
| Assets per employee ($millions) | 3.7723% | 4,186 |
| Cash dividends to net income (ytd only)* | 2.9797% | 3,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4148% | 1,473 |
| Loan loss allowance to noncurrent loans | 43.3942% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 1.6524% | 571 |
| Noncurrent loans to loans | 3.2603% | 265 |
| Net loans and leases to total assets | 49.7517% | 4,336 |
| Net loans and leases to deposits | 57.2498% | 4,405 |
| Net loans and leases to core deposits | 95.3852% | 1,947 |
| Total domestic deposits to total assets | 86.9029% | 1,655 |
| Equity capital to assets | 12.9840% | 1,534 |
| Core capital (leverage) ratio | 11.5869% | 2,044 |
| Tier 1 risk-based capital ratio | 31.1127% | 438 |
| Total risk-based capital ratio | 32.3696% | 435 |
| Memoranda: | ||
| Average total assets | $59,554,000 | 4,599 |
| Average earning assets | $56,953,000 | 4,575 |
| Average equity | $6,792,000 | 4,660 |
| Average total loans | $27,618,000 | 4,695 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9196% | 278 |
| Cost of funding earning assets | 2.1979% | 26 |
| Net interest margin | 3.7217% | 2,848 |
| Noninterest income to average assets | 0.3383% | 3,708 |
| Noninterest expense to average assets | 3.9780% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.0752% | 5,082 |
| Return on assets (ROA) | 1.1808% | 2,346 |
| Pretax return on assets | 1.1808% | 3,043 |
| Return on Equity (ROE) | 10.7012% | 2,139 |
| Retained earnings to average equity (ytd only) | 10.2003% | 707 |
| Net charge-offs to loans | 0.0390% | 2,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -4.2484% | 3,417 |
| Efficiency ratio | 101.9263% | 137 |
| Assets per employee ($millions) | 3.9979% | 3,908 |
| Cash dividends to net income (ytd only)* | 4.6813% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 1,476 |
| Loan loss allowance to noncurrent loans | 57.8192% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.1623% | 1,104 |
| Noncurrent loans to loans | 2.4690% | 476 |
| Net loans and leases to total assets | 46.4031% | 4,585 |
| Net loans and leases to deposits | 53.1303% | 4,661 |
| Net loans and leases to core deposits | 90.8459% | 2,482 |
| Total domestic deposits to total assets | 87.3382% | 1,352 |
| Equity capital to assets | 12.5267% | 1,897 |
| Core capital (leverage) ratio | 10.6872% | 2,940 |
| Tier 1 risk-based capital ratio | 28.6510% | 528 |
| Total risk-based capital ratio | 29.9088% | 522 |
| Memoranda: | ||
| Average total assets | $60,296,250 | 4,655 |
| Average earning assets | $57,750,500 | 4,616 |
| Average equity | $6,653,250 | 4,731 |
| Average total loans | $27,383,500 | 4,765 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9156% | 277 |
| Cost of funding earning assets | 2.1872% | 21 |
| Net interest margin | 3.7283% | 2,837 |
| Noninterest income to average assets | 0.0993% | 5,041 |
| Noninterest expense to average assets | 3.8738% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.2020% | 5,147 |
| Return on assets (ROA) | -0.2251% | 5,160 |
| Pretax return on assets | -0.2251% | 5,151 |
| Return on Equity (ROE) | -2.1360% | 5,167 |
| Retained earnings to average equity (ytd only) | -2.1360% | 4,920 |
| Net charge-offs to loans | -0.0148% | 4,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5005% | 118 |
| Assets per employee ($millions) | 4.0014% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 1,156 |
| Loan loss allowance to noncurrent loans | 53.2819% | 4,131 |
| Noncurrent assets plus other real estate owned to assets | 1.7927% | 568 |
| Noncurrent loans to loans | 2.8931% | 361 |
| Net loans and leases to total assets | 44.0562% | 4,725 |
| Net loans and leases to deposits | 49.9613% | 4,806 |
| Net loans and leases to core deposits | 85.0585% | 3,024 |
| Total domestic deposits to total assets | 88.1808% | 1,017 |
| Equity capital to assets | 11.6343% | 2,497 |
| Core capital (leverage) ratio | 9.7537% | 3,881 |
| Tier 1 risk-based capital ratio | 24.7114% | 777 |
| Total risk-based capital ratio | 25.9679% | 759 |
| Memoranda: | ||
| Average total assets | $60,405,670 | 4,687 |
| Average earning assets | $57,881,330 | 4,650 |
| Average equity | $6,367,000 | 4,803 |
| Average total loans | $27,101,330 | 4,806 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9417% | 242 |
| Cost of funding earning assets | 2.1869% | 19 |
| Net interest margin | 3.7548% | 2,690 |
| Noninterest income to average assets | 0.1452% | 4,868 |
| Noninterest expense to average assets | 3.8747% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1254% | 5,187 |
| Return on assets (ROA) | -0.1320% | 5,189 |
| Pretax return on assets | -0.1320% | 5,179 |
| Return on Equity (ROE) | -1.3203% | 5,199 |
| Retained earnings to average equity (ytd only) | -1.3203% | 4,687 |
| Net charge-offs to loans | -0.0294% | 4,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3451% | 144 |
| Assets per employee ($millions) | 3.9847% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5293% | 1,245 |
| Loan loss allowance to noncurrent loans | 56.6347% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.4455% | 852 |
| Noncurrent loans to loans | 2.7002% | 449 |
| Net loans and leases to total assets | 44.6002% | 4,718 |
| Net loans and leases to deposits | 49.8663% | 4,818 |
| Net loans and leases to core deposits | 84.3501% | 2,995 |
| Total domestic deposits to total assets | 89.4397% | 671 |
| Equity capital to assets | 10.4164% | 3,400 |
| Core capital (leverage) ratio | 9.7949% | 3,820 |
| Tier 1 risk-based capital ratio | 24.4392% | 804 |
| Total risk-based capital ratio | 25.6966% | 786 |
| Memoranda: | ||
| Average total assets | $60,598,000 | 4,736 |
| Average earning assets | $58,165,500 | 4,689 |
| Average equity | $6,059,000 | 4,885 |
| Average total loans | $27,223,500 | 4,861 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9213% | 188 |
| Cost of funding earning assets | 2.2188% | 6 |
| Net interest margin | 3.7025% | 3,024 |
| Noninterest income to average assets | 0.4129% | 3,361 |
| Noninterest expense to average assets | 3.8431% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0819% | 5,195 |
| Return on assets (ROA) | 0.0803% | 5,186 |
| Pretax return on assets | 0.0803% | 5,187 |
| Return on Equity (ROE) | 0.8627% | 5,176 |
| Retained earnings to average equity (ytd only) | 0.8627% | 4,754 |
| Net charge-offs to loans | -0.0137% | 4,587 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9124% | 175 |
| Assets per employee ($millions) | 4.0950% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,276 |
| Loan loss allowance to noncurrent loans | 34.4194% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.0708% | 451 |
| Noncurrent loans to loans | 4.3726% | 151 |
| Net loans and leases to total assets | 43.8958% | 4,822 |
| Net loans and leases to deposits | 48.6223% | 4,922 |
| Net loans and leases to core deposits | 83.0679% | 3,172 |
| Total domestic deposits to total assets | 90.2792% | 390 |
| Equity capital to assets | 9.5922% | 4,054 |
| Core capital (leverage) ratio | 9.7237% | 3,884 |
| Tier 1 risk-based capital ratio | 23.5450% | 862 |
| Total risk-based capital ratio | 24.8004% | 838 |
| Memoranda: | ||
| Average total assets | $62,241,200 | 4,711 |
| Average earning assets | $59,041,400 | 4,689 |
| Average equity | $5,795,600 | 4,931 |
| Average total loans | $29,112,800 | 4,839 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8631% | 190 |
| Cost of funding earning assets | 2.2179% | 5 |
| Net interest margin | 3.6452% | 3,206 |
| Noninterest income to average assets | 0.4484% | 3,179 |
| Noninterest expense to average assets | 3.8881% | 602 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0064% | 5,297 |
| Return on assets (ROA) | 0.0064% | 5,294 |
| Pretax return on assets | 0.0064% | 5,291 |
| Return on Equity (ROE) | 0.0693% | 5,293 |
| Retained earnings to average equity (ytd only) | 0.0693% | 5,025 |
| Net charge-offs to loans | -0.0135% | 4,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8355% | 157 |
| Assets per employee ($millions) | 4.1005% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 1,427 |
| Loan loss allowance to noncurrent loans | 26.0814% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 3.4288% | 174 |
| Noncurrent loans to loans | 5.6661% | 95 |
| Net loans and leases to total assets | 44.4397% | 4,871 |
| Net loans and leases to deposits | 48.9234% | 4,988 |
| Net loans and leases to core deposits | 83.2263% | 3,223 |
| Total domestic deposits to total assets | 90.8353% | 261 |
| Equity capital to assets | 9.0183% | 4,532 |
| Core capital (leverage) ratio | 9.5892% | 4,070 |
| Tier 1 risk-based capital ratio | 22.7493% | 967 |
| Total risk-based capital ratio | 24.0036% | 940 |
| Memoranda: | ||
| Average total assets | $62,445,250 | 4,763 |
| Average earning assets | $59,034,500 | 4,735 |
| Average equity | $5,771,500 | 4,987 |
| Average total loans | $29,547,250 | 4,883 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8447% | 186 |
| Cost of funding earning assets | 2.2188% | 5 |
| Net interest margin | 3.6259% | 3,218 |
| Noninterest income to average assets | 0.4748% | 3,005 |
| Noninterest expense to average assets | 3.9900% | 542 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0988% | 5,379 |
| Return on assets (ROA) | -0.0988% | 5,374 |
| Pretax return on assets | -0.0988% | 5,370 |
| Return on Equity (ROE) | -1.0605% | 5,379 |
| Retained earnings to average equity (ytd only) | -1.0605% | 5,075 |
| Net charge-offs to loans | -0.0265% | 4,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5389% | 146 |
| Assets per employee ($millions) | 4.0685% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 1,807 |
| Loan loss allowance to noncurrent loans | 29.8692% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 3.2968% | 206 |
| Noncurrent loans to loans | 4.6350% | 161 |
| Net loans and leases to total assets | 47.9714% | 4,722 |
| Net loans and leases to deposits | 53.0170% | 4,877 |
| Net loans and leases to core deposits | 124.9136% | 437 |
| Total domestic deposits to total assets | 90.4831% | 404 |
| Equity capital to assets | 9.3760% | 4,210 |
| Core capital (leverage) ratio | 9.3927% | 4,257 |
| Tier 1 risk-based capital ratio | 21.8160% | 1,060 |
| Total risk-based capital ratio | 23.0711% | 1,038 |
| Memoranda: | ||
| Average total assets | $62,757,670 | 4,810 |
| Average earning assets | $59,130,330 | 4,792 |
| Average equity | $5,846,330 | 5,027 |
| Average total loans | $30,148,330 | 4,924 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7645% | 195 |
| Cost of funding earning assets | 2.2151% | 5 |
| Net interest margin | 3.5494% | 3,348 |
| Noninterest income to average assets | 0.1383% | 5,176 |
| Noninterest expense to average assets | 3.7534% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2703% | 5,465 |
| Return on assets (ROA) | -0.2703% | 5,460 |
| Pretax return on assets | -0.2703% | 5,460 |
| Return on Equity (ROE) | -2.9111% | 5,464 |
| Retained earnings to average equity (ytd only) | -2.9111% | 5,075 |
| Net charge-offs to loans | -0.0132% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7617% | 115 |
| Assets per employee ($millions) | 4.1686% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,990 |
| Loan loss allowance to noncurrent loans | 30.6536% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 3.8606% | 169 |
| Noncurrent loans to loans | 4.4328% | 197 |
| Net loans and leases to total assets | 47.3668% | 4,731 |
| Net loans and leases to deposits | 52.1123% | 4,876 |
| Net loans and leases to core deposits | 85.6358% | 2,837 |
| Total domestic deposits to total assets | 90.8938% | 353 |
| Equity capital to assets | 8.9622% | 4,597 |
| Core capital (leverage) ratio | 9.0684% | 4,606 |
| Tier 1 risk-based capital ratio | 21.2613% | 1,162 |
| Total risk-based capital ratio | 22.5131% | 1,132 |
| Memoranda: | ||
| Average total assets | $63,622,500 | 4,856 |
| Average earning assets | $59,953,000 | 4,827 |
| Average equity | $5,908,500 | 5,069 |
| Average total loans | $30,379,000 | 4,966 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8206% | 166 |
| Cost of funding earning assets | 2.4662% | 3 |
| Net interest margin | 3.3545% | 3,994 |
| Noninterest income to average assets | 0.4180% | 3,518 |
| Noninterest expense to average assets | 3.7921% | 700 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.2001% | 5,451 |
| Return on assets (ROA) | 0.0732% | 5,289 |
| Pretax return on assets | 0.0732% | 5,393 |
| Return on Equity (ROE) | 0.8613% | 5,252 |
| Retained earnings to average equity (ytd only) | 0.8613% | 4,687 |
| Net charge-offs to loans | -0.0154% | 4,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5694% | 123 |
| Assets per employee ($millions) | 4.6226% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3211% | 2,113 |
| Loan loss allowance to noncurrent loans | 22.5556% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 4.1535% | 139 |
| Noncurrent loans to loans | 5.8571% | 96 |
| Net loans and leases to total assets | 46.8601% | 4,837 |
| Net loans and leases to deposits | 51.9147% | 4,991 |
| Net loans and leases to core deposits | 87.9473% | 2,727 |
| Total domestic deposits to total assets | 90.2636% | 478 |
| Equity capital to assets | 9.6004% | 4,142 |
| Core capital (leverage) ratio | 8.7332% | 4,921 |
| Tier 1 risk-based capital ratio | 20.9605% | 1,152 |
| Total risk-based capital ratio | 22.2142% | 1,131 |
| Memoranda: | ||
| Average total assets | $66,980,600 | 4,825 |
| Average earning assets | $63,378,000 | 4,797 |
| Average equity | $5,689,000 | 5,148 |
| Average total loans | $32,424,200 | 4,954 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7600% | 170 |
| Cost of funding earning assets | 2.4638% | 2 |
| Net interest margin | 3.2962% | 4,184 |
| Noninterest income to average assets | 0.3138% | 4,288 |
| Noninterest expense to average assets | 3.6478% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2152% | 5,585 |
| Return on assets (ROA) | -0.0099% | 5,521 |
| Pretax return on assets | -0.0099% | 5,516 |
| Return on Equity (ROE) | -0.1200% | 5,523 |
| Retained earnings to average equity (ytd only) | -0.1200% | 5,223 |
| Net charge-offs to loans | -0.0162% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2680% | 115 |
| Assets per employee ($millions) | 4.5002% | 3,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,429 |
| Loan loss allowance to noncurrent loans | 15.1889% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 5.2961% | 91 |
| Noncurrent loans to loans | 8.4658% | 39 |
| Net loans and leases to total assets | 46.1728% | 4,927 |
| Net loans and leases to deposits | 50.9007% | 5,094 |
| Net loans and leases to core deposits | 90.9802% | 2,530 |
| Total domestic deposits to total assets | 90.7115% | 255 |
| Equity capital to assets | 9.1196% | 4,809 |
| Core capital (leverage) ratio | 8.6104% | 5,149 |
| Tier 1 risk-based capital ratio | 20.1665% | 1,329 |
| Total risk-based capital ratio | 21.4188% | 1,299 |
| Memoranda: | ||
| Average total assets | $67,546,750 | 4,871 |
| Average earning assets | $63,910,500 | 4,837 |
| Average equity | $5,558,000 | 5,232 |
| Average total loans | $32,847,250 | 4,977 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8894% | 142 |
| Cost of funding earning assets | 2.4570% | 2 |
| Net interest margin | 3.4324% | 3,660 |
| Noninterest income to average assets | 0.4144% | 3,603 |
| Noninterest expense to average assets | 3.6796% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0148% | 5,556 |
| Return on assets (ROA) | -0.0503% | 5,574 |
| Pretax return on assets | -0.0503% | 5,567 |
| Return on Equity (ROE) | -0.6345% | 5,577 |
| Retained earnings to average equity (ytd only) | -0.6345% | 5,176 |
| Net charge-offs to loans | -0.0060% | 4,377 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4039% | 183 |
| Assets per employee ($millions) | 4.4662% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 2,799 |
| Loan loss allowance to noncurrent loans | 23.8886% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 3.7228% | 198 |
| Noncurrent loans to loans | 5.1669% | 139 |
| Net loans and leases to total assets | 48.1349% | 4,819 |
| Net loans and leases to deposits | 52.7067% | 5,027 |
| Net loans and leases to core deposits | 94.2509% | 2,131 |
| Total domestic deposits to total assets | 91.3260% | 152 |
| Equity capital to assets | 8.5188% | 5,293 |
| Core capital (leverage) ratio | 8.5884% | 5,153 |
| Tier 1 risk-based capital ratio | 20.0740% | 1,360 |
| Total risk-based capital ratio | 21.3266% | 1,323 |
| Memoranda: | ||
| Average total assets | $67,561,330 | 4,911 |
| Average earning assets | $63,979,330 | 4,866 |
| Average equity | $5,358,670 | 5,300 |
| Average total loans | $33,271,670 | 4,999 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0378% | 116 |
| Cost of funding earning assets | 2.4774% | 2 |
| Net interest margin | 3.5604% | 3,041 |
| Noninterest income to average assets | 0.6191% | 2,327 |
| Noninterest expense to average assets | 3.6436% | 837 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3478% | 5,079 |
| Return on assets (ROA) | 0.2771% | 5,262 |
| Pretax return on assets | 0.2771% | 5,344 |
| Return on Equity (ROE) | 3.6262% | 4,911 |
| Retained earnings to average equity (ytd only) | 3.6262% | 3,625 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2851% | 490 |
| Assets per employee ($millions) | 4.4888% | 3,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 3,165 |
| Loan loss allowance to noncurrent loans | 24.2023% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 3.6669% | 225 |
| Noncurrent loans to loans | 4.9363% | 170 |
| Net loans and leases to total assets | 49.3777% | 4,725 |
| Net loans and leases to deposits | 53.7569% | 4,948 |
| Net loans and leases to core deposits | 94.6103% | 1,922 |
| Total domestic deposits to total assets | 91.8538% | 121 |
| Equity capital to assets | 7.9932% | 5,521 |
| Core capital (leverage) ratio | 8.5878% | 5,163 |
| Tier 1 risk-based capital ratio | 19.9629% | 1,401 |
| Total risk-based capital ratio | 21.2156% | 1,370 |
| Memoranda: | ||
| Average total assets | $67,845,500 | 4,956 |
| Average earning assets | $64,262,000 | 4,912 |
| Average equity | $5,184,500 | 5,384 |
| Average total loans | $33,582,500 | 5,039 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8300% | 156 |
| Cost of funding earning assets | 2.7582% | 2 |
| Net interest margin | 3.0718% | 4,795 |
| Noninterest income to average assets | 0.5391% | 2,982 |
| Noninterest expense to average assets | 3.6554% | 941 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.2131% | 5,721 |
| Return on assets (ROA) | 0.2470% | 5,395 |
| Pretax return on assets | 0.2470% | 5,434 |
| Return on Equity (ROE) | 3.1744% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.1744% | 3,652 |
| Net charge-offs to loans | 0.1760% | 1,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -2.4355% | 4,198 |
| Efficiency ratio | 106.1911% | 156 |
| Assets per employee ($millions) | 4.5573% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1994% | 3,130 |
| Loan loss allowance to noncurrent loans | 24.7842% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 3.7215% | 218 |
| Noncurrent loans to loans | 4.8395% | 168 |
| Net loans and leases to total assets | 48.4413% | 4,863 |
| Net loans and leases to deposits | 52.3302% | 5,103 |
| Net loans and leases to core deposits | 95.2702% | 1,983 |
| Total domestic deposits to total assets | 92.5686% | 59 |
| Equity capital to assets | 7.2953% | 5,759 |
| Core capital (leverage) ratio | 8.3833% | 5,384 |
| Tier 1 risk-based capital ratio | 19.4630% | 1,491 |
| Total risk-based capital ratio | 20.7144% | 1,446 |
| Memoranda: | ||
| Average total assets | $70,853,800 | 4,918 |
| Average earning assets | $66,963,800 | 4,869 |
| Average equity | $5,512,800 | 5,365 |
| Average total loans | $35,226,600 | 5,035 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8737% | 143 |
| Cost of funding earning assets | 2.8075% | 2 |
| Net interest margin | 3.0662% | 4,862 |
| Noninterest income to average assets | 0.6342% | 2,499 |
| Noninterest expense to average assets | 3.5796% | 1,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0485% | 5,743 |
| Return on assets (ROA) | 0.5596% | 4,564 |
| Pretax return on assets | 0.5596% | 4,976 |
| Return on Equity (ROE) | 7.0867% | 3,515 |
| Retained earnings to average equity (ytd only) | 7.0867% | 1,580 |
| Net charge-offs to loans | 0.1533% | 1,466 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -0.6342% | 3,842 |
| Efficiency ratio | 101.3735% | 205 |
| Assets per employee ($millions) | 4.6238% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 2,998 |
| Loan loss allowance to noncurrent loans | 31.7806% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 3.4575% | 291 |
| Noncurrent loans to loans | 3.9126% | 287 |
| Net loans and leases to total assets | 48.4378% | 4,931 |
| Net loans and leases to deposits | 53.3949% | 5,144 |
| Net loans and leases to core deposits | 99.7891% | 1,658 |
| Total domestic deposits to total assets | 90.7161% | 271 |
| Equity capital to assets | 9.0921% | 5,081 |
| Core capital (leverage) ratio | 8.3473% | 5,472 |
| Tier 1 risk-based capital ratio | 20.0497% | 1,437 |
| Total risk-based capital ratio | 21.3013% | 1,401 |
| Memoranda: | ||
| Average total assets | $71,477,500 | 4,944 |
| Average earning assets | $67,530,500 | 4,895 |
| Average equity | $5,644,250 | 5,398 |
| Average total loans | $35,654,250 | 5,075 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 142 |
| Cost of funding earning assets | 2.8300% | 1 |
| Net interest margin | 3.0499% | 4,978 |
| Noninterest income to average assets | 0.6179% | 2,519 |
| Noninterest expense to average assets | 3.5991% | 1,012 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.0997% | 5,813 |
| Return on assets (ROA) | 0.5264% | 4,699 |
| Pretax return on assets | 0.5264% | 5,087 |
| Return on Equity (ROE) | 7.0063% | 3,535 |
| Retained earnings to average equity (ytd only) | 7.0063% | 1,595 |
| Net charge-offs to loans | 0.1934% | 1,186 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -1.0286% | 3,586 |
| Efficiency ratio | 102.8504% | 204 |
| Assets per employee ($millions) | 4.8993% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 3,142 |
| Loan loss allowance to noncurrent loans | 22.5789% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 4.0591% | 213 |
| Noncurrent loans to loans | 5.4863% | 150 |
| Net loans and leases to total assets | 46.5410% | 5,093 |
| Net loans and leases to deposits | 50.6974% | 5,303 |
| Net loans and leases to core deposits | 101.4143% | 1,516 |
| Total domestic deposits to total assets | 91.8016% | 100 |
| Equity capital to assets | 8.0120% | 5,806 |
| Core capital (leverage) ratio | 7.9465% | 5,756 |
| Tier 1 risk-based capital ratio | 18.0832% | 1,909 |
| Total risk-based capital ratio | 19.3336% | 1,878 |
| Memoranda: | ||
| Average total assets | $72,184,330 | 4,975 |
| Average earning assets | $68,198,330 | 4,930 |
| Average equity | $5,423,670 | 5,491 |
| Average total loans | $36,199,670 | 5,098 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1850% | 100 |
| Cost of funding earning assets | 2.8642% | 1 |
| Net interest margin | 3.3208% | 4,137 |
| Noninterest income to average assets | 0.4474% | 3,506 |
| Noninterest expense to average assets | 3.6515% | 960 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0727% | 5,831 |
| Return on assets (ROA) | 0.1342% | 5,682 |
| Pretax return on assets | 0.1342% | 5,704 |
| Return on Equity (ROE) | 1.8492% | 5,533 |
| Retained earnings to average equity (ytd only) | 1.8492% | 4,523 |
| Net charge-offs to loans | 0.3677% | 601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.3824% | 2,995 |
| Efficiency ratio | 102.0313% | 244 |
| Assets per employee ($millions) | 4.8223% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1686% | 3,673 |
| Loan loss allowance to noncurrent loans | 21.4464% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 4.5677% | 193 |
| Noncurrent loans to loans | 5.4490% | 170 |
| Net loans and leases to total assets | 50.2751% | 4,781 |
| Net loans and leases to deposits | 54.3685% | 5,079 |
| Net loans and leases to core deposits | 101.4960% | 1,374 |
| Total domestic deposits to total assets | 92.4710% | 65 |
| Equity capital to assets | 7.3368% | 5,974 |
| Core capital (leverage) ratio | 7.7984% | 5,852 |
| Tier 1 risk-based capital ratio | 16.6277% | 2,432 |
| Total risk-based capital ratio | 17.8765% | 2,378 |
| Memoranda: | ||
| Average total assets | $71,531,500 | 5,040 |
| Average earning assets | $67,453,500 | 4,991 |
| Average equity | $5,191,500 | 5,586 |
| Average total loans | $36,983,500 | 5,113 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3487% | 89 |
| Cost of funding earning assets | 2.9186% | 2 |
| Net interest margin | 3.4301% | 3,796 |
| Noninterest income to average assets | 0.3336% | 4,513 |
| Noninterest expense to average assets | 3.9099% | 749 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.3251% | 5,994 |
| Return on assets (ROA) | -0.1131% | 5,950 |
| Pretax return on assets | -0.1131% | 5,935 |
| Return on Equity (ROE) | -1.5286% | 5,959 |
| Retained earnings to average equity (ytd only) | -1.5286% | 5,716 |
| Net charge-offs to loans | 0.1647% | 1,721 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -3.5385% | 4,384 |
| Efficiency ratio | 109.0694% | 148 |
| Assets per employee ($millions) | 4.1605% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 3,185 |
| Loan loss allowance to noncurrent loans | 24.4211% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 4.5639% | 205 |
| Noncurrent loans to loans | 5.1115% | 183 |
| Net loans and leases to total assets | 51.8981% | 4,703 |
| Net loans and leases to deposits | 56.0207% | 5,038 |
| Net loans and leases to core deposits | 106.6878% | 1,068 |
| Total domestic deposits to total assets | 92.6409% | 60 |
| Equity capital to assets | 7.1767% | 6,032 |
| Core capital (leverage) ratio | 7.9678% | 5,852 |
| Tier 1 risk-based capital ratio | 16.8139% | 2,357 |
| Total risk-based capital ratio | 18.0671% | 2,304 |
| Memoranda: | ||
| Average total assets | $70,743,200 | 5,073 |
| Average earning assets | $67,053,600 | 5,014 |
| Average equity | $5,233,600 | 5,595 |
| Average total loans | $39,462,800 | 5,035 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4025% | 85 |
| Cost of funding earning assets | 2.8866% | 1 |
| Net interest margin | 3.5159% | 3,477 |
| Noninterest income to average assets | 0.2883% | 4,879 |
| Noninterest expense to average assets | 3.9011% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.2752% | 6,080 |
| Return on assets (ROA) | -0.0019% | 5,971 |
| Pretax return on assets | -0.0019% | 5,968 |
| Return on Equity (ROE) | -0.0252% | 5,972 |
| Retained earnings to average equity (ytd only) | -0.0252% | 5,598 |
| Net charge-offs to loans | 0.1565% | 1,575 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -3.1061% | 4,101 |
| Efficiency ratio | 107.5884% | 171 |
| Assets per employee ($millions) | 4.1389% | 3,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 3,412 |
| Loan loss allowance to noncurrent loans | 20.6247% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 4.6701% | 224 |
| Noncurrent loans to loans | 6.0277% | 138 |
| Net loans and leases to total assets | 54.4172% | 4,521 |
| Net loans and leases to deposits | 58.5137% | 4,953 |
| Net loans and leases to core deposits | 111.5354% | 788 |
| Total domestic deposits to total assets | 92.9991% | 48 |
| Equity capital to assets | 6.8034% | 6,164 |
| Core capital (leverage) ratio | 8.0909% | 5,848 |
| Tier 1 risk-based capital ratio | 17.4983% | 2,189 |
| Total risk-based capital ratio | 18.7504% | 2,143 |
| Memoranda: | ||
| Average total assets | $70,746,750 | 5,136 |
| Average earning assets | $67,159,750 | 5,073 |
| Average equity | $5,273,000 | 5,659 |
| Average total loans | $40,035,750 | 5,064 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3497% | 87 |
| Cost of funding earning assets | 2.8660% | 1 |
| Net interest margin | 3.4837% | 3,563 |
| Noninterest income to average assets | 0.2568% | 5,117 |
| Noninterest expense to average assets | 3.8519% | 811 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.2850% | 6,131 |
| Return on assets (ROA) | 0.1185% | 5,899 |
| Pretax return on assets | 0.1185% | 5,915 |
| Return on Equity (ROE) | 1.5455% | 5,792 |
| Retained earnings to average equity (ytd only) | 1.5455% | 4,926 |
| Net charge-offs to loans | 0.1977% | 1,265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -2.5250% | 3,791 |
| Efficiency ratio | 107.9905% | 197 |
| Assets per employee ($millions) | 4.1328% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 3,526 |
| Loan loss allowance to noncurrent loans | 22.5658% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 4.6501% | 254 |
| Noncurrent loans to loans | 5.5207% | 192 |
| Net loans and leases to total assets | 55.1732% | 4,431 |
| Net loans and leases to deposits | 59.0656% | 4,930 |
| Net loans and leases to core deposits | 112.5621% | 722 |
| Total domestic deposits to total assets | 93.4099% | 44 |
| Equity capital to assets | 6.3951% | 6,252 |
| Core capital (leverage) ratio | 8.0343% | 5,913 |
| Tier 1 risk-based capital ratio | 17.0169% | 2,397 |
| Total risk-based capital ratio | 18.2700% | 2,341 |
| Memoranda: | ||
| Average total assets | $70,875,000 | 5,188 |
| Average earning assets | $67,342,000 | 5,120 |
| Average equity | $5,435,000 | 5,675 |
| Average total loans | $40,457,330 | 5,087 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2948% | 95 |
| Cost of funding earning assets | 2.8377% | 1 |
| Net interest margin | 3.4571% | 3,602 |
| Noninterest income to average assets | 0.3653% | 4,291 |
| Noninterest expense to average assets | 3.7649% | 915 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1068% | 6,108 |
| Return on assets (ROA) | 0.4102% | 5,143 |
| Pretax return on assets | 0.4102% | 5,409 |
| Return on Equity (ROE) | 4.9441% | 4,557 |
| Retained earnings to average equity (ytd only) | 4.9441% | 3,083 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9186% | 290 |
| Assets per employee ($millions) | 4.2228% | 3,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 3,427 |
| Loan loss allowance to noncurrent loans | 23.2119% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 4.3963% | 308 |
| Noncurrent loans to loans | 5.5807% | 210 |
| Net loans and leases to total assets | 56.1487% | 4,185 |
| Net loans and leases to deposits | 61.4227% | 4,631 |
| Net loans and leases to core deposits | 117.0213% | 486 |
| Total domestic deposits to total assets | 91.4136% | 248 |
| Equity capital to assets | 8.3942% | 5,810 |
| Core capital (leverage) ratio | 8.0603% | 5,906 |
| Tier 1 risk-based capital ratio | 15.8738% | 2,981 |
| Total risk-based capital ratio | 17.1273% | 2,919 |
| Memoranda: | ||
| Average total assets | $71,184,000 | 5,230 |
| Average earning assets | $67,802,500 | 5,148 |
| Average equity | $5,906,000 | 5,623 |
| Average total loans | $41,060,000 | 5,104 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8595% | 73 |
| Cost of funding earning assets | 2.9901% | 1 |
| Net interest margin | 3.8695% | 2,362 |
| Noninterest income to average assets | 0.6840% | 2,374 |
| Noninterest expense to average assets | 4.0293% | 729 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3062% | 5,501 |
| Return on assets (ROA) | 0.4278% | 5,197 |
| Pretax return on assets | 0.4278% | 5,423 |
| Return on Equity (ROE) | 6.1964% | 4,057 |
| Retained earnings to average equity (ytd only) | 6.1964% | 1,813 |
| Net charge-offs to loans | 0.1211% | 2,822 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.1961% | 3,710 |
| Efficiency ratio | 92.9373% | 653 |
| Assets per employee ($millions) | 4.4113% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 3,532 |
| Loan loss allowance to noncurrent loans | 21.4257% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 4.6189% | 325 |
| Noncurrent loans to loans | 5.9807% | 193 |
| Net loans and leases to total assets | 57.7416% | 4,084 |
| Net loans and leases to deposits | 63.0272% | 4,634 |
| Net loans and leases to core deposits | 122.7087% | 343 |
| Total domestic deposits to total assets | 91.6138% | 206 |
| Equity capital to assets | 8.1978% | 5,964 |
| Core capital (leverage) ratio | 8.0963% | 5,936 |
| Tier 1 risk-based capital ratio | 17.0692% | 2,486 |
| Total risk-based capital ratio | 18.3235% | 2,438 |
| Memoranda: | ||
| Average total assets | $69,887,800 | 5,294 |
| Average earning assets | $65,952,000 | 5,227 |
| Average equity | $4,825,400 | 5,903 |
| Average total loans | $42,121,000 | 5,104 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9291% | 70 |
| Cost of funding earning assets | 3.0082% | 1 |
| Net interest margin | 3.9208% | 2,154 |
| Noninterest income to average assets | 0.9448% | 1,376 |
| Noninterest expense to average assets | 4.0794% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5546% | 4,656 |
| Return on assets (ROA) | 0.6636% | 4,239 |
| Pretax return on assets | 0.6636% | 4,824 |
| Return on Equity (ROE) | 10.0902% | 2,175 |
| Retained earnings to average equity (ytd only) | 10.0902% | 684 |
| Net charge-offs to loans | 0.1575% | 2,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.7996% | 3,195 |
| Efficiency ratio | 88.0314% | 997 |
| Assets per employee ($millions) | 4.4106% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 3,803 |
| Loan loss allowance to noncurrent loans | 27.0823% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 4.1788% | 451 |
| Noncurrent loans to loans | 4.6934% | 408 |
| Net loans and leases to total assets | 58.3350% | 4,026 |
| Net loans and leases to deposits | 63.2686% | 4,611 |
| Net loans and leases to core deposits | 122.4152% | 342 |
| Total domestic deposits to total assets | 92.2021% | 132 |
| Equity capital to assets | 7.5953% | 6,288 |
| Core capital (leverage) ratio | 8.1355% | 5,981 |
| Tier 1 risk-based capital ratio | 17.1003% | 2,576 |
| Total risk-based capital ratio | 18.3551% | 2,528 |
| Memoranda: | ||
| Average total assets | $69,714,750 | 5,353 |
| Average earning assets | $65,596,500 | 5,292 |
| Average equity | $4,585,250 | 6,024 |
| Average total loans | $42,330,500 | 5,149 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9345% | 68 |
| Cost of funding earning assets | 3.0078% | 1 |
| Net interest margin | 3.9267% | 2,058 |
| Noninterest income to average assets | 1.5037% | 538 |
| Noninterest expense to average assets | 4.0242% | 737 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1724% | 1,678 |
| Return on assets (ROA) | 1.2588% | 1,487 |
| Pretax return on assets | 1.2588% | 2,416 |
| Return on Equity (ROE) | 20.1988% | 281 |
| Retained earnings to average equity (ytd only) | 20.1988% | 82 |
| Net charge-offs to loans | 0.2351% | 1,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.1400% | 2,530 |
| Efficiency ratio | 77.4390% | 2,384 |
| Assets per employee ($millions) | 4.1476% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 4,170 |
| Loan loss allowance to noncurrent loans | 22.0925% | 5,961 |
| Noncurrent assets plus other real estate owned to assets | 4.8207% | 383 |
| Noncurrent loans to loans | 5.6535% | 302 |
| Net loans and leases to total assets | 59.4307% | 3,797 |
| Net loans and leases to deposits | 64.3064% | 4,468 |
| Net loans and leases to core deposits | 123.3595% | 314 |
| Total domestic deposits to total assets | 92.4180% | 123 |
| Equity capital to assets | 7.3863% | 6,372 |
| Core capital (leverage) ratio | 8.2956% | 5,852 |
| Tier 1 risk-based capital ratio | 16.8532% | 2,685 |
| Total risk-based capital ratio | 18.1056% | 2,651 |
| Memoranda: | ||
| Average total assets | $69,429,670 | 5,411 |
| Average earning assets | $65,296,330 | 5,340 |
| Average equity | $4,327,000 | 6,129 |
| Average total loans | $42,541,670 | 5,180 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9047% | 75 |
| Cost of funding earning assets | 3.0309% | 2 |
| Net interest margin | 3.8738% | 2,183 |
| Noninterest income to average assets | 1.4806% | 533 |
| Noninterest expense to average assets | 3.8786% | 889 |
| Loan and lease loss provision to assets | -0.0058% | 6,382 |
| Net operating income to assets | 1.2368% | 1,380 |
| Return on assets (ROA) | 1.2368% | 1,438 |
| Pretax return on assets | 1.2368% | 2,325 |
| Return on Equity (ROE) | 21.9220% | 200 |
| Retained earnings to average equity (ytd only) | 21.9220% | 88 |
| Net charge-offs to loans | 0.3287% | 1,085 |
| Credit loss provision to net charge-offs | -2.8571% | 4,642 |
| Earnings coverage of net charge-offs (x) | 6.0571% | 2,285 |
| Efficiency ratio | 75.9091% | 2,820 |
| Assets per employee ($millions) | 4.0806% | 3,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 4,208 |
| Loan loss allowance to noncurrent loans | 25.5639% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 5.0411% | 400 |
| Noncurrent loans to loans | 5.0219% | 439 |
| Net loans and leases to total assets | 60.2998% | 3,509 |
| Net loans and leases to deposits | 64.6413% | 4,253 |
| Net loans and leases to core deposits | 125.7024% | 234 |
| Total domestic deposits to total assets | 93.2838% | 93 |
| Equity capital to assets | 6.1597% | 6,557 |
| Core capital (leverage) ratio | 8.1231% | 6,016 |
| Tier 1 risk-based capital ratio | 16.1756% | 3,068 |
| Total risk-based capital ratio | 17.4288% | 3,031 |
| Memoranda: | ||
| Average total assets | $68,890,000 | 5,477 |
| Average earning assets | $64,535,500 | 5,423 |
| Average equity | $3,886,500 | 6,272 |
| Average total loans | $42,595,500 | 5,216 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0580% | 61 |
| Cost of funding earning assets | 3.1218% | 2 |
| Net interest margin | 3.9363% | 2,154 |
| Noninterest income to average assets | -0.1384% | 6,738 |
| Noninterest expense to average assets | 3.7811% | 1,170 |
| Loan and lease loss provision to assets | 0.1298% | 2,692 |
| Net operating income to assets | -0.3810% | 6,450 |
| Return on assets (ROA) | -0.2526% | 6,407 |
| Pretax return on assets | -0.2526% | 6,389 |
| Return on Equity (ROE) | -3.8867% | 6,455 |
| Retained earnings to average equity (ytd only) | -3.8867% | 6,315 |
| Net charge-offs to loans | 0.2012% | 2,865 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -1.9341% | 5,323 |
| Efficiency ratio | 107.1140% | 317 |
| Assets per employee ($millions) | 4.0241% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,868 |
| Loan loss allowance to noncurrent loans | 31.7287% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 4.9393% | 482 |
| Noncurrent loans to loans | 4.2693% | 647 |
| Net loans and leases to total assets | 61.7410% | 3,401 |
| Net loans and leases to deposits | 65.4563% | 4,357 |
| Net loans and leases to core deposits | 128.1307% | 215 |
| Total domestic deposits to total assets | 94.3239% | 70 |
| Equity capital to assets | 5.1162% | 6,683 |
| Core capital (leverage) ratio | 7.8248% | 6,231 |
| Tier 1 risk-based capital ratio | 15.5310% | 3,355 |
| Total risk-based capital ratio | 16.7875% | 3,307 |
| Memoranda: | ||
| Average total assets | $70,084,600 | 5,478 |
| Average earning assets | $65,315,600 | 5,425 |
| Average equity | $4,554,000 | 6,184 |
| Average total loans | $45,222,800 | 5,141 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9886% | 63 |
| Cost of funding earning assets | 3.1105% | 1 |
| Net interest margin | 3.8780% | 2,351 |
| Noninterest income to average assets | -0.1172% | 6,813 |
| Noninterest expense to average assets | 3.7350% | 1,195 |
| Loan and lease loss provision to assets | 0.1607% | 2,249 |
| Net operating income to assets | -0.4009% | 6,568 |
| Return on assets (ROA) | -0.1986% | 6,490 |
| Pretax return on assets | -0.1986% | 6,472 |
| Return on Equity (ROE) | -2.9061% | 6,517 |
| Retained earnings to average equity (ytd only) | -2.9061% | 6,346 |
| Net charge-offs to loans | 0.2473% | 2,328 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | -1.4941% | 5,044 |
| Efficiency ratio | 106.8723% | 315 |
| Assets per employee ($millions) | 4.0746% | 3,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 4,420 |
| Loan loss allowance to noncurrent loans | 22.2905% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 5.5148% | 475 |
| Noncurrent loans to loans | 5.8097% | 451 |
| Net loans and leases to total assets | 63.8202% | 3,024 |
| Net loans and leases to deposits | 67.4309% | 4,125 |
| Net loans and leases to core deposits | 129.0301% | 204 |
| Total domestic deposits to total assets | 94.6454% | 49 |
| Equity capital to assets | 4.7785% | 6,783 |
| Core capital (leverage) ratio | 7.9071% | 6,271 |
| Tier 1 risk-based capital ratio | 15.4470% | 3,498 |
| Total risk-based capital ratio | 16.7031% | 3,451 |
| Memoranda: | ||
| Average total assets | $70,503,250 | 5,513 |
| Average earning assets | $65,667,500 | 5,468 |
| Average equity | $4,817,500 | 6,185 |
| Average total loans | $45,824,250 | 5,171 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8910% | 67 |
| Cost of funding earning assets | 3.0923% | 1 |
| Net interest margin | 3.7987% | 2,560 |
| Noninterest income to average assets | -0.4174% | 6,899 |
| Noninterest expense to average assets | 3.3166% | 2,030 |
| Loan and lease loss provision to assets | 0.2369% | 1,568 |
| Net operating income to assets | -0.4371% | 6,616 |
| Return on assets (ROA) | -0.0959% | 6,448 |
| Pretax return on assets | -0.0959% | 6,428 |
| Return on Equity (ROE) | -1.2782% | 6,477 |
| Retained earnings to average equity (ytd only) | -1.2782% | 6,091 |
| Net charge-offs to loans | 0.3639% | 1,746 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | -0.8452% | 4,701 |
| Efficiency ratio | 106.4253% | 338 |
| Assets per employee ($millions) | 4.1266% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 4,560 |
| Loan loss allowance to noncurrent loans | 36.7089% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 4.9051% | 629 |
| Noncurrent loans to loans | 3.5115% | 1,206 |
| Net loans and leases to total assets | 63.3125% | 3,042 |
| Net loans and leases to deposits | 68.1588% | 3,985 |
| Net loans and leases to core deposits | 132.7168% | 169 |
| Total domestic deposits to total assets | 92.8897% | 133 |
| Equity capital to assets | 6.5586% | 6,677 |
| Core capital (leverage) ratio | 7.7462% | 6,340 |
| Tier 1 risk-based capital ratio | 15.7120% | 3,358 |
| Total risk-based capital ratio | 16.9675% | 3,304 |
| Memoranda: | ||
| Average total assets | $70,915,000 | 5,543 |
| Average earning assets | $65,970,330 | 5,497 |
| Average equity | $5,320,000 | 6,096 |
| Average total loans | $46,170,000 | 5,178 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7011% | 78 |
| Cost of funding earning assets | 3.0673% | 1 |
| Net interest margin | 3.6338% | 3,127 |
| Noninterest income to average assets | -0.4320% | 6,981 |
| Noninterest expense to average assets | 2.9118% | 3,302 |
| Loan and lease loss provision to assets | 0.4713% | 582 |
| Net operating income to assets | -0.4320% | 6,646 |
| Return on assets (ROA) | -0.0729% | 6,471 |
| Pretax return on assets | -0.0729% | 6,461 |
| Return on Equity (ROE) | -0.9156% | 6,494 |
| Retained earnings to average equity (ytd only) | -0.9156% | 5,938 |
| Net charge-offs to loans | 0.7186% | 853 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0833% | 3,791 |
| Efficiency ratio | 98.6692% | 604 |
| Assets per employee ($millions) | 4.4640% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,922 |
| Loan loss allowance to noncurrent loans | 21.7881% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 6.1856% | 508 |
| Noncurrent loans to loans | 5.7564% | 598 |
| Net loans and leases to total assets | 63.9337% | 2,720 |
| Net loans and leases to deposits | 69.8632% | 3,502 |
| Net loans and leases to core deposits | 136.1601% | 139 |
| Total domestic deposits to total assets | 91.5127% | 352 |
| Equity capital to assets | 7.9903% | 6,382 |
| Core capital (leverage) ratio | 7.7915% | 6,297 |
| Tier 1 risk-based capital ratio | 15.4442% | 3,562 |
| Total risk-based capital ratio | 16.6987% | 3,520 |
| Memoranda: | ||
| Average total assets | $71,296,500 | 5,584 |
| Average earning assets | $66,377,000 | 5,534 |
| Average equity | $5,679,500 | 6,054 |
| Average total loans | $46,757,500 | 5,180 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0071% | 74 |
| Cost of funding earning assets | 3.2445% | 2 |
| Net interest margin | 3.7626% | 3,382 |
| Noninterest income to average assets | -0.3320% | 7,003 |
| Noninterest expense to average assets | 3.4330% | 1,981 |
| Loan and lease loss provision to assets | 0.6513% | 820 |
| Net operating income to assets | -0.9370% | 6,725 |
| Return on assets (ROA) | 0.0980% | 6,160 |
| Pretax return on assets | 0.0980% | 6,165 |
| Return on Equity (ROE) | 1.2262% | 6,083 |
| Retained earnings to average equity (ytd only) | 1.2262% | 5,265 |
| Net charge-offs to loans | 0.9553% | 1,158 |
| Credit loss provision to net charge-offs | 100.8677% | 3,004 |
| Earnings coverage of net charge-offs (x) | -0.4425% | 5,657 |
| Efficiency ratio | 109.0788% | 348 |
| Assets per employee ($millions) | 4.1864% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 4,991 |
| Loan loss allowance to noncurrent loans | 23.7802% | 6,295 |
| Noncurrent assets plus other real estate owned to assets | 5.6837% | 645 |
| Noncurrent loans to loans | 5.1596% | 751 |
| Net loans and leases to total assets | 65.6058% | 2,589 |
| Net loans and leases to deposits | 71.6262% | 3,475 |
| Net loans and leases to core deposits | 140.3228% | 130 |
| Total domestic deposits to total assets | 91.5947% | 318 |
| Equity capital to assets | 7.9417% | 6,434 |
| Core capital (leverage) ratio | 7.7793% | 6,353 |
| Tier 1 risk-based capital ratio | 15.4757% | 3,438 |
| Total risk-based capital ratio | 16.7298% | 3,397 |
| Memoranda: | ||
| Average total assets | $71,395,200 | 5,591 |
| Average earning assets | $66,018,600 | 5,549 |
| Average equity | $5,708,600 | 6,096 |
| Average total loans | $48,255,200 | 5,166 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9781% | 81 |
| Cost of funding earning assets | 3.2725% | 1 |
| Net interest margin | 3.7056% | 3,775 |
| Noninterest income to average assets | -0.1232% | 7,037 |
| Noninterest expense to average assets | 3.4577% | 1,866 |
| Loan and lease loss provision to assets | 0.6643% | 781 |
| Net operating income to assets | -0.8285% | 6,816 |
| Return on assets (ROA) | 0.1512% | 6,186 |
| Pretax return on assets | 0.1512% | 6,205 |
| Return on Equity (ROE) | 1.8872% | 6,059 |
| Retained earnings to average equity (ytd only) | 1.8872% | 5,391 |
| Net charge-offs to loans | 0.9676% | 1,101 |
| Credit loss provision to net charge-offs | 101.1364% | 2,921 |
| Earnings coverage of net charge-offs (x) | -0.2500% | 5,426 |
| Efficiency ratio | 104.9858% | 404 |
| Assets per employee ($millions) | 4.1969% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 5,143 |
| Loan loss allowance to noncurrent loans | 29.0873% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 6.3113% | 615 |
| Noncurrent loans to loans | 4.2269% | 1,163 |
| Net loans and leases to total assets | 65.3053% | 2,778 |
| Net loans and leases to deposits | 71.4259% | 3,684 |
| Net loans and leases to core deposits | 140.1281% | 136 |
| Total domestic deposits to total assets | 91.4307% | 301 |
| Equity capital to assets | 8.0899% | 6,554 |
| Core capital (leverage) ratio | 7.7936% | 6,471 |
| Tier 1 risk-based capital ratio | 15.2952% | 3,650 |
| Total risk-based capital ratio | 16.5540% | 3,601 |
| Memoranda: | ||
| Average total assets | $71,451,750 | 5,650 |
| Average earning assets | $65,880,500 | 5,620 |
| Average equity | $5,722,750 | 6,167 |
| Average total loans | $48,501,250 | 5,222 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9293% | 86 |
| Cost of funding earning assets | 3.2887% | 1 |
| Net interest margin | 3.6406% | 4,075 |
| Noninterest income to average assets | -0.3413% | 7,165 |
| Noninterest expense to average assets | 3.3013% | 2,298 |
| Loan and lease loss provision to assets | 0.5512% | 1,116 |
| Net operating income to assets | -0.8365% | 6,871 |
| Return on assets (ROA) | -0.0448% | 6,495 |
| Pretax return on assets | -0.0448% | 6,480 |
| Return on Equity (ROE) | -0.5608% | 6,511 |
| Retained earnings to average equity (ytd only) | -0.5608% | 6,141 |
| Net charge-offs to loans | 0.7887% | 1,395 |
| Credit loss provision to net charge-offs | 102.0725% | 2,666 |
| Earnings coverage of net charge-offs (x) | -0.5285% | 5,243 |
| Efficiency ratio | 109.4620% | 337 |
| Assets per employee ($millions) | 3.9802% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,379 |
| Loan loss allowance to noncurrent loans | 18.9728% | 6,547 |
| Noncurrent assets plus other real estate owned to assets | 6.7849% | 592 |
| Noncurrent loans to loans | 6.2991% | 680 |
| Net loans and leases to total assets | 66.9295% | 2,479 |
| Net loans and leases to deposits | 73.1998% | 3,429 |
| Net loans and leases to core deposits | 142.9837% | 133 |
| Total domestic deposits to total assets | 91.4340% | 325 |
| Equity capital to assets | 8.0942% | 6,517 |
| Core capital (leverage) ratio | 7.6592% | 6,535 |
| Tier 1 risk-based capital ratio | 14.8133% | 3,889 |
| Total risk-based capital ratio | 16.0678% | 3,853 |
| Memoranda: | ||
| Average total assets | $71,486,330 | 5,681 |
| Average earning assets | $65,923,330 | 5,652 |
| Average equity | $5,706,330 | 6,192 |
| Average total loans | $48,943,670 | 5,240 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8616% | 102 |
| Cost of funding earning assets | 3.3215% | 2 |
| Net interest margin | 3.5401% | 4,523 |
| Noninterest income to average assets | -0.3753% | 7,235 |
| Noninterest expense to average assets | 3.3666% | 2,104 |
| Loan and lease loss provision to assets | 0.6386% | 870 |
| Net operating income to assets | -1.1147% | 7,020 |
| Return on assets (ROA) | -0.1512% | 6,649 |
| Pretax return on assets | -0.1512% | 6,631 |
| Return on Equity (ROE) | -1.9081% | 6,683 |
| Retained earnings to average equity (ytd only) | -1.9081% | 6,271 |
| Net charge-offs to loans | 0.9278% | 1,109 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | -0.7456% | 4,532 |
| Efficiency ratio | 116.4729% | 257 |
| Assets per employee ($millions) | 3.9727% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 5,576 |
| Loan loss allowance to noncurrent loans | 21.1708% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 6.7194% | 655 |
| Noncurrent loans to loans | 5.5843% | 948 |
| Net loans and leases to total assets | 67.2097% | 2,250 |
| Net loans and leases to deposits | 73.2325% | 3,244 |
| Net loans and leases to core deposits | 141.6392% | 138 |
| Total domestic deposits to total assets | 91.7759% | 310 |
| Equity capital to assets | 7.7515% | 6,658 |
| Core capital (leverage) ratio | 7.5926% | 6,572 |
| Tier 1 risk-based capital ratio | 14.8580% | 3,852 |
| Total risk-based capital ratio | 16.1107% | 3,814 |
| Memoranda: | ||
| Average total assets | $71,407,500 | 5,730 |
| Average earning assets | $65,873,500 | 5,690 |
| Average equity | $5,660,000 | 6,238 |
| Average total loans | $49,150,000 | 5,261 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2868% | 77 |
| Cost of funding earning assets | 3.3498% | 3 |
| Net interest margin | 3.9370% | 3,170 |
| Noninterest income to average assets | -0.0923% | 7,095 |
| Noninterest expense to average assets | 3.6369% | 1,671 |
| Loan and lease loss provision to assets | 0.3746% | 2,751 |
| Net operating income to assets | -0.4585% | 6,458 |
| Return on assets (ROA) | -0.2446% | 6,358 |
| Pretax return on assets | -0.2446% | 6,317 |
| Return on Equity (ROE) | -3.2876% | 6,431 |
| Retained earnings to average equity (ytd only) | -3.2876% | 6,312 |
| Net charge-offs to loans | 0.5220% | 2,903 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | -0.2239% | 5,967 |
| Efficiency ratio | 102.3603% | 609 |
| Assets per employee ($millions) | 3.9614% | 3,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 5,585 |
| Loan loss allowance to noncurrent loans | 17.0877% | 6,692 |
| Noncurrent assets plus other real estate owned to assets | 6.7582% | 688 |
| Noncurrent loans to loans | 6.7755% | 670 |
| Net loans and leases to total assets | 68.8427% | 2,241 |
| Net loans and leases to deposits | 75.0092% | 3,342 |
| Net loans and leases to core deposits | 145.6647% | 148 |
| Total domestic deposits to total assets | 91.7791% | 268 |
| Equity capital to assets | 8.1017% | 6,509 |
| Core capital (leverage) ratio | 8.0088% | 6,256 |
| Tier 1 risk-based capital ratio | 15.7982% | 3,156 |
| Total risk-based capital ratio | 17.0527% | 3,116 |
| Memoranda: | ||
| Average total assets | $71,544,600 | 5,706 |
| Average earning assets | $66,243,200 | 5,660 |
| Average equity | $5,323,000 | 6,343 |
| Average total loans | $51,344,600 | 5,220 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3127% | 76 |
| Cost of funding earning assets | 3.3485% | 5 |
| Net interest margin | 3.9642% | 3,081 |
| Noninterest income to average assets | -0.0652% | 7,181 |
| Noninterest expense to average assets | 3.6496% | 1,600 |
| Loan and lease loss provision to assets | 0.3519% | 2,758 |
| Net operating income to assets | -0.3985% | 6,583 |
| Return on assets (ROA) | -0.3035% | 6,561 |
| Pretax return on assets | -0.3035% | 6,497 |
| Return on Equity (ROE) | -4.1718% | 6,638 |
| Retained earnings to average equity (ytd only) | -4.1718% | 6,526 |
| Net charge-offs to loans | 0.4868% | 2,795 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | -0.1323% | 5,683 |
| Efficiency ratio | 101.2920% | 625 |
| Assets per employee ($millions) | 3.9576% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 5,715 |
| Loan loss allowance to noncurrent loans | 18.7602% | 6,721 |
| Noncurrent assets plus other real estate owned to assets | 6.8588% | 733 |
| Noncurrent loans to loans | 6.0919% | 910 |
| Net loans and leases to total assets | 69.8205% | 2,109 |
| Net loans and leases to deposits | 76.3181% | 3,278 |
| Net loans and leases to core deposits | 147.6255% | 143 |
| Total domestic deposits to total assets | 91.4862% | 300 |
| Equity capital to assets | 8.3791% | 6,413 |
| Core capital (leverage) ratio | 8.0525% | 6,339 |
| Tier 1 risk-based capital ratio | 15.6500% | 3,308 |
| Total risk-based capital ratio | 16.9038% | 3,276 |
| Memoranda: | ||
| Average total assets | $71,604,250 | 5,741 |
| Average earning assets | $66,257,500 | 5,700 |
| Average equity | $5,209,500 | 6,433 |
| Average total loans | $51,764,750 | 5,241 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3621% | 78 |
| Cost of funding earning assets | 3.3415% | 5 |
| Net interest margin | 4.0206% | 2,742 |
| Noninterest income to average assets | -0.1589% | 7,319 |
| Noninterest expense to average assets | 3.7838% | 1,372 |
| Loan and lease loss provision to assets | 0.4043% | 2,408 |
| Net operating income to assets | -0.6162% | 6,769 |
| Return on assets (ROA) | -0.6413% | 6,791 |
| Pretax return on assets | -0.6413% | 6,729 |
| Return on Equity (ROE) | -9.2811% | 6,912 |
| Retained earnings to average equity (ytd only) | -9.2811% | 6,843 |
| Net charge-offs to loans | 0.5550% | 2,441 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | -0.5241% | 5,534 |
| Efficiency ratio | 105.9329% | 562 |
| Assets per employee ($millions) | 3.9658% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 5,899 |
| Loan loss allowance to noncurrent loans | 21.3834% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 5.5656% | 1,057 |
| Noncurrent loans to loans | 5.2166% | 1,239 |
| Net loans and leases to total assets | 71.4044% | 1,905 |
| Net loans and leases to deposits | 77.2233% | 3,262 |
| Net loans and leases to core deposits | 148.8799% | 149 |
| Total domestic deposits to total assets | 92.4648% | 164 |
| Equity capital to assets | 7.4063% | 6,989 |
| Core capital (leverage) ratio | 7.9831% | 6,315 |
| Tier 1 risk-based capital ratio | 15.2998% | 3,349 |
| Total risk-based capital ratio | 16.5534% | 3,302 |
| Memoranda: | ||
| Average total assets | $71,726,670 | 5,787 |
| Average earning assets | $66,557,000 | 5,738 |
| Average equity | $4,956,330 | 6,551 |
| Average total loans | $52,248,670 | 5,273 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3837% | 82 |
| Cost of funding earning assets | 3.3377% | 5 |
| Net interest margin | 4.0460% | 2,486 |
| Noninterest income to average assets | -0.3894% | 7,478 |
| Noninterest expense to average assets | 2.9041% | 4,043 |
| Loan and lease loss provision to assets | 0.6120% | 1,401 |
| Net operating income to assets | -0.1558% | 6,511 |
| Return on assets (ROA) | -0.1836% | 6,563 |
| Pretax return on assets | -0.1836% | 6,529 |
| Return on Equity (ROE) | -2.7552% | 6,642 |
| Retained earnings to average equity (ytd only) | -2.7552% | 6,255 |
| Net charge-offs to loans | 0.8365% | 1,572 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 0.7455% | 4,077 |
| Efficiency ratio | 86.4238% | 1,664 |
| Assets per employee ($millions) | 4.4794% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 6,037 |
| Loan loss allowance to noncurrent loans | 17.4666% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 6.3541% | 887 |
| Noncurrent loans to loans | 6.3084% | 974 |
| Net loans and leases to total assets | 72.0092% | 1,724 |
| Net loans and leases to deposits | 77.4085% | 3,170 |
| Net loans and leases to core deposits | 147.9870% | 158 |
| Total domestic deposits to total assets | 93.0250% | 135 |
| Equity capital to assets | 6.8397% | 7,134 |
| Core capital (leverage) ratio | 8.1858% | 5,988 |
| Tier 1 risk-based capital ratio | 15.6233% | 3,090 |
| Total risk-based capital ratio | 16.8764% | 3,046 |
| Memoranda: | ||
| Average total assets | $71,897,500 | 5,821 |
| Average earning assets | $66,633,500 | 5,784 |
| Average equity | $4,791,000 | 6,622 |
| Average total loans | $52,599,500 | 5,303 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5065% | 80 |
| Cost of funding earning assets | 3.4787% | 9 |
| Net interest margin | 4.0278% | 2,893 |
| Noninterest income to average assets | 0.2729% | 5,833 |
| Noninterest expense to average assets | 3.7212% | 1,652 |
| Loan and lease loss provision to assets | 0.6433% | 2,563 |
| Net operating income to assets | -0.4179% | 6,332 |
| Return on assets (ROA) | -0.4271% | 6,364 |
| Pretax return on assets | -0.4271% | 6,267 |
| Return on Equity (ROE) | -5.9362% | 6,492 |
| Retained earnings to average equity (ytd only) | -5.9362% | 6,376 |
| Net charge-offs to loans | 0.8945% | 2,402 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 0.3504% | 5,756 |
| Efficiency ratio | 94.2886% | 1,047 |
| Assets per employee ($millions) | 4.5078% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0846% | 6,004 |
| Loan loss allowance to noncurrent loans | 17.3454% | 6,904 |
| Noncurrent assets plus other real estate owned to assets | 6.5262% | 871 |
| Noncurrent loans to loans | 6.2529% | 978 |
| Net loans and leases to total assets | 72.7071% | 1,944 |
| Net loans and leases to deposits | 77.8538% | 3,535 |
| Net loans and leases to core deposits | 152.6371% | 168 |
| Total domestic deposits to total assets | 93.3893% | 117 |
| Equity capital to assets | 6.4887% | 7,259 |
| Core capital (leverage) ratio | 8.0236% | 6,163 |
| Tier 1 risk-based capital ratio | 15.4315% | 3,029 |
| Total risk-based capital ratio | 16.6858% | 2,987 |
| Memoranda: | ||
| Average total assets | $75,862,600 | 5,718 |
| Average earning assets | $69,193,400 | 5,694 |
| Average equity | $5,458,000 | 6,518 |
| Average total loans | $54,556,600 | 5,296 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5408% | 84 |
| Cost of funding earning assets | 3.4606% | 10 |
| Net interest margin | 4.0801% | 2,709 |
| Noninterest income to average assets | 0.2656% | 5,992 |
| Noninterest expense to average assets | 3.5174% | 2,000 |
| Loan and lease loss provision to assets | 0.7951% | 1,911 |
| Net operating income to assets | -0.3420% | 6,467 |
| Return on assets (ROA) | -0.3472% | 6,515 |
| Pretax return on assets | -0.3472% | 6,445 |
| Return on Equity (ROE) | -4.7176% | 6,629 |
| Retained earnings to average equity (ytd only) | -4.7176% | 6,534 |
| Net charge-offs to loans | 1.1114% | 1,832 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 0.5699% | 5,446 |
| Efficiency ratio | 88.5877% | 1,403 |
| Assets per employee ($millions) | 4.4727% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 6,040 |
| Loan loss allowance to noncurrent loans | 19.2372% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 5.7420% | 1,058 |
| Noncurrent loans to loans | 5.5903% | 1,176 |
| Net loans and leases to total assets | 69.5631% | 2,836 |
| Net loans and leases to deposits | 76.8660% | 4,031 |
| Net loans and leases to core deposits | 149.2003% | 195 |
| Total domestic deposits to total assets | 90.4992% | 640 |
| Equity capital to assets | 8.0278% | 6,783 |
| Core capital (leverage) ratio | 8.0161% | 6,328 |
| Tier 1 risk-based capital ratio | 15.1635% | 3,174 |
| Total risk-based capital ratio | 16.4160% | 3,149 |
| Memoranda: | ||
| Average total assets | $76,797,000 | 5,747 |
| Average earning assets | $69,734,750 | 5,743 |
| Average equity | $5,652,500 | 6,554 |
| Average total loans | $54,942,000 | 5,344 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6876% | 80 |
| Cost of funding earning assets | 3.4683% | 12 |
| Net interest margin | 4.2193% | 2,093 |
| Noninterest income to average assets | 0.3634% | 5,235 |
| Noninterest expense to average assets | 3.6002% | 1,779 |
| Loan and lease loss provision to assets | 0.7216% | 2,020 |
| Net operating income to assets | -0.1376% | 6,273 |
| Return on assets (ROA) | -0.1402% | 6,346 |
| Pretax return on assets | -0.1402% | 6,284 |
| Return on Equity (ROE) | -1.9629% | 6,415 |
| Retained earnings to average equity (ytd only) | -1.9629% | 6,141 |
| Net charge-offs to loans | 1.0030% | 1,855 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 0.8094% | 4,962 |
| Efficiency ratio | 86.0422% | 1,703 |
| Assets per employee ($millions) | 4.5003% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 6,161 |
| Loan loss allowance to noncurrent loans | 17.9800% | 7,028 |
| Noncurrent assets plus other real estate owned to assets | 5.9735% | 992 |
| Noncurrent loans to loans | 5.8690% | 1,101 |
| Net loans and leases to total assets | 70.4725% | 2,797 |
| Net loans and leases to deposits | 79.8670% | 3,616 |
| Net loans and leases to core deposits | 156.9441% | 183 |
| Total domestic deposits to total assets | 88.2374% | 1,857 |
| Equity capital to assets | 7.6897% | 7,000 |
| Core capital (leverage) ratio | 8.1029% | 6,110 |
| Tier 1 risk-based capital ratio | 15.3680% | 2,970 |
| Total risk-based capital ratio | 16.6198% | 2,933 |
| Memoranda: | ||
| Average total assets | $77,050,670 | 5,775 |
| Average earning assets | $69,774,670 | 5,782 |
| Average equity | $5,502,000 | 6,613 |
| Average total loans | $55,433,330 | 5,363 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9606% | 76 |
| Cost of funding earning assets | 3.5286% | 13 |
| Net interest margin | 4.4320% | 1,291 |
| Noninterest income to average assets | 0.0569% | 7,429 |
| Noninterest expense to average assets | 3.3780% | 2,296 |
| Loan and lease loss provision to assets | 0.6466% | 1,957 |
| Net operating income to assets | 0.0672% | 6,111 |
| Return on assets (ROA) | 0.0466% | 6,279 |
| Pretax return on assets | 0.0466% | 6,263 |
| Return on Equity (ROE) | 0.6778% | 6,217 |
| Retained earnings to average equity (ytd only) | 0.6778% | 5,553 |
| Net charge-offs to loans | 0.8944% | 1,784 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 1.1040% | 4,105 |
| Efficiency ratio | 82.5537% | 2,200 |
| Assets per employee ($millions) | 4.4944% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 6,253 |
| Loan loss allowance to noncurrent loans | 24.3851% | 6,781 |
| Noncurrent assets plus other real estate owned to assets | 4.9631% | 1,300 |
| Noncurrent loans to loans | 4.2876% | 1,777 |
| Net loans and leases to total assets | 71.2279% | 2,640 |
| Net loans and leases to deposits | 80.3452% | 3,595 |
| Net loans and leases to core deposits | 156.3238% | 204 |
| Total domestic deposits to total assets | 88.6524% | 1,702 |
| Equity capital to assets | 7.2679% | 7,233 |
| Core capital (leverage) ratio | 7.9722% | 6,275 |
| Tier 1 risk-based capital ratio | 15.8791% | 2,696 |
| Total risk-based capital ratio | 17.1317% | 2,638 |
| Memoranda: | ||
| Average total assets | $77,323,500 | 5,839 |
| Average earning assets | $70,397,000 | 5,835 |
| Average equity | $5,311,500 | 6,736 |
| Average total loans | $55,905,000 | 5,426 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9940% | 79 |
| Cost of funding earning assets | 3.6606% | 28 |
| Net interest margin | 4.3334% | 1,623 |
| Noninterest income to average assets | 0.0929% | 7,299 |
| Noninterest expense to average assets | 3.7546% | 1,788 |
| Loan and lease loss provision to assets | 0.1609% | 6,076 |
| Net operating income to assets | 0.1990% | 4,905 |
| Return on assets (ROA) | -1.3262% | 6,781 |
| Pretax return on assets | -1.3262% | 6,609 |
| Return on Equity (ROE) | -21.0000% | 7,173 |
| Retained earnings to average equity (ytd only) | -21.0000% | 7,144 |
| Net charge-offs to loans | 0.2946% | 4,789 |
| Credit loss provision to net charge-offs | 77.1429% | 6,352 |
| Earnings coverage of net charge-offs (x) | 1.7257% | 4,440 |
| Efficiency ratio | 91.2540% | 1,618 |
| Assets per employee ($millions) | 4.3468% | 3,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 6,308 |
| Loan loss allowance to noncurrent loans | 23.1295% | 6,907 |
| Noncurrent assets plus other real estate owned to assets | 4.4630% | 1,448 |
| Noncurrent loans to loans | 4.3757% | 1,642 |
| Net loans and leases to total assets | 71.8774% | 2,777 |
| Net loans and leases to deposits | 80.2554% | 3,944 |
| Net loans and leases to core deposits | 174.5414% | 204 |
| Total domestic deposits to total assets | 89.5607% | 1,180 |
| Equity capital to assets | 6.4798% | 7,568 |
| Core capital (leverage) ratio | 7.9072% | 6,318 |
| Tier 1 risk-based capital ratio | 15.4099% | 2,755 |
| Total risk-based capital ratio | 16.6617% | 2,709 |
| Memoranda: | ||
| Average total assets | $83,923,000 | 5,596 |
| Average earning assets | $77,883,200 | 5,532 |
| Average equity | $5,300,000 | 6,834 |
| Average total loans | $59,412,600 | 5,275 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0607% | 78 |
| Cost of funding earning assets | 3.6855% | 31 |
| Net interest margin | 4.3752% | 1,509 |
| Noninterest income to average assets | -0.0516% | 7,900 |
| Noninterest expense to average assets | 3.5636% | 2,112 |
| Loan and lease loss provision to assets | 0.1765% | 5,595 |
| Net operating income to assets | 0.2812% | 4,857 |
| Return on assets (ROA) | -1.7388% | 7,212 |
| Pretax return on assets | -1.7388% | 7,065 |
| Return on Equity (ROE) | -27.6987% | 7,560 |
| Retained earnings to average equity (ytd only) | -27.6987% | 7,545 |
| Net charge-offs to loans | 0.2952% | 4,179 |
| Credit loss provision to net charge-offs | 84.9624% | 5,623 |
| Earnings coverage of net charge-offs (x) | 2.2030% | 4,167 |
| Efficiency ratio | 88.6169% | 1,811 |
| Assets per employee ($millions) | 4.8163% | 2,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 6,207 |
| Loan loss allowance to noncurrent loans | 31.0219% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 3.2922% | 2,055 |
| Noncurrent loans to loans | 3.2632% | 2,321 |
| Net loans and leases to total assets | 75.5012% | 2,099 |
| Net loans and leases to deposits | 85.2346% | 3,460 |
| Net loans and leases to core deposits | 178.1227% | 198 |
| Total domestic deposits to total assets | 88.5805% | 1,398 |
| Equity capital to assets | 6.8634% | 7,660 |
| Core capital (leverage) ratio | 7.7738% | 6,639 |
| Tier 1 risk-based capital ratio | 15.5636% | 2,784 |
| Total risk-based capital ratio | 16.8053% | 2,731 |
| Memoranda: | ||
| Average total assets | $85,343,000 | 5,578 |
| Average earning assets | $79,445,500 | 5,508 |
| Average equity | $5,357,500 | 6,882 |
| Average total loans | $60,062,250 | 5,284 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9982% | 92 |
| Cost of funding earning assets | 3.7457% | 47 |
| Net interest margin | 4.2525% | 1,810 |
| Noninterest income to average assets | -0.1090% | 8,033 |
| Noninterest expense to average assets | 3.8137% | 1,634 |
| Loan and lease loss provision to assets | 0.1521% | 5,551 |
| Net operating income to assets | -0.1317% | 6,071 |
| Return on assets (ROA) | -3.0578% | 7,687 |
| Pretax return on assets | -3.0578% | 7,582 |
| Return on Equity (ROE) | -50.0713% | 7,911 |
| Retained earnings to average equity (ytd only) | -50.0713% | 7,907 |
| Net charge-offs to loans | 0.2876% | 3,755 |
| Credit loss provision to net charge-offs | 77.0115% | 5,280 |
| Earnings coverage of net charge-offs (x) | 0.1034% | 5,571 |
| Efficiency ratio | 99.4671% | 1,201 |
| Assets per employee ($millions) | 4.4042% | 2,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9984% | 6,262 |
| Loan loss allowance to noncurrent loans | 94.8963% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 1.7483% | 3,556 |
| Noncurrent loans to loans | 1.0521% | 5,110 |
| Net loans and leases to total assets | 70.5043% | 3,584 |
| Net loans and leases to deposits | 83.5062% | 3,966 |
| Net loans and leases to core deposits | 171.9256% | 301 |
| Total domestic deposits to total assets | 84.4300% | 3,536 |
| Equity capital to assets | 5.8007% | 7,961 |
| Core capital (leverage) ratio | 6.8445% | 7,635 |
| Tier 1 risk-based capital ratio | 14.3885% | 3,310 |
| Total risk-based capital ratio | 15.6424% | 3,246 |
| Memoranda: | ||
| Average total assets | $88,103,670 | 5,526 |
| Average earning assets | $81,693,330 | 5,479 |
| Average equity | $5,380,330 | 6,934 |
| Average total loans | $60,490,670 | 5,305 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9078% | 102 |
| Cost of funding earning assets | 3.8245% | 56 |
| Net interest margin | 4.0833% | 2,344 |
| Noninterest income to average assets | -0.2657% | 8,175 |
| Noninterest expense to average assets | 3.5786% | 1,911 |
| Loan and lease loss provision to assets | 0.1904% | 4,530 |
| Net operating income to assets | -0.2613% | 6,631 |
| Return on assets (ROA) | -0.2790% | 6,730 |
| Pretax return on assets | -0.2790% | 6,652 |
| Return on Equity (ROE) | -4.4653% | 6,936 |
| Retained earnings to average equity (ytd only) | -4.4653% | 6,485 |
| Net charge-offs to loans | 0.3741% | 2,593 |
| Credit loss provision to net charge-offs | 75.4386% | 4,261 |
| Earnings coverage of net charge-offs (x) | -0.2807% | 5,174 |
| Efficiency ratio | 102.0202% | 1,051 |
| Assets per employee ($millions) | 3.8698% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 6,203 |
| Loan loss allowance to noncurrent loans | 29.5622% | 6,580 |
| Noncurrent assets plus other real estate owned to assets | 3.3874% | 1,607 |
| Noncurrent loans to loans | 3.3744% | 1,900 |
| Net loans and leases to total assets | 67.0135% | 4,340 |
| Net loans and leases to deposits | 81.9865% | 4,287 |
| Net loans and leases to core deposits | 165.5821% | 416 |
| Total domestic deposits to total assets | 81.7372% | 4,663 |
| Equity capital to assets | 6.8613% | 7,742 |
| Core capital (leverage) ratio | 7.9630% | 6,525 |
| Tier 1 risk-based capital ratio | 16.2341% | 2,602 |
| Total risk-based capital ratio | 17.4846% | 2,545 |
| Memoranda: | ||
| Average total assets | $90,315,500 | 5,472 |
| Average earning assets | $83,461,500 | 5,445 |
| Average equity | $5,643,500 | 6,901 |
| Average total loans | $60,939,500 | 5,322 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6462% | 90 |
| Cost of funding earning assets | 4.0229% | 95 |
| Net interest margin | 4.6233% | 1,116 |
| Noninterest income to average assets | -0.0295% | 8,176 |
| Noninterest expense to average assets | 3.8532% | 1,654 |
| Loan and lease loss provision to assets | 0.2128% | 4,764 |
| Net operating income to assets | 0.1970% | 5,858 |
| Return on assets (ROA) | 0.0843% | 5,988 |
| Pretax return on assets | 0.0843% | 5,980 |
| Return on Equity (ROE) | 1.1947% | 5,857 |
| Retained earnings to average equity (ytd only) | -4.2561% | 6,371 |
| Net charge-offs to loans | 0.1053% | 5,245 |
| Credit loss provision to net charge-offs | 301.4925% | 1,493 |
| Earnings coverage of net charge-offs (x) | 5.8060% | 3,526 |
| Efficiency ratio | 90.3856% | 1,482 |
| Assets per employee ($millions) | 3.5240% | 4,609 |
| Cash dividends to net income (ytd only)* | 456.2500% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,079 |
| Loan loss allowance to noncurrent loans | 25.0816% | 7,005 |
| Noncurrent assets plus other real estate owned to assets | 4.1375% | 970 |
| Noncurrent loans to loans | 3.9785% | 1,243 |
| Net loans and leases to total assets | 66.5943% | 4,736 |
| Net loans and leases to deposits | 79.9887% | 5,043 |
| Net loans and leases to core deposits | 155.6000% | 677 |
| Total domestic deposits to total assets | 83.2546% | 3,668 |
| Equity capital to assets | 5.6535% | 8,114 |
| Core capital (leverage) ratio | 7.8708% | 6,695 |
| Tier 1 risk-based capital ratio | 14.7487% | 3,173 |
| Total risk-based capital ratio | 15.9969% | 3,098 |
| Memoranda: | ||
| Average total assets | $94,908,400 | 5,201 |
| Average earning assets | $88,119,800 | 5,146 |
| Average equity | $6,696,200 | 6,567 |
| Average total loans | $63,602,000 | 5,116 |