Home > Thread Bank > Performance and Condition Ratios
Thread 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 | 5.4232% | 1,270 |
| Cost of funding earning assets | 3.4074% | 85 |
| Net interest margin | 2.0158% | 4,406 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.4251% | 2,514 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | -0.0423% | 4,407 |
| Return on assets (ROA) | -0.0515% | 4,394 |
| Pretax return on assets | -0.0515% | 4,382 |
| Return on Equity (ROE) | -0.7000% | 4,378 |
| Retained earnings to average equity (ytd only) | -0.7018% | 4,164 |
| Net charge-offs to loans | 0.0981% | 921 |
| Credit loss provision to net charge-offs | 334.2857% | 880 |
| Earnings coverage of net charge-offs (x) | 2.0057% | 2,727 |
| Efficiency ratio | 97.4508% | 227 |
| Assets per employee ($millions) | 12.1870% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 3,681 |
| Loan loss allowance to noncurrent loans | 354.8490% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 2,914 |
| Noncurrent loans to loans | 0.2564% | 2,263 |
| Net loans and leases to total assets | 35.6200% | 4,170 |
| Net loans and leases to deposits | 40.5047% | 4,189 |
| Net loans and leases to core deposits | 47.7222% | 4,131 |
| Total domestic deposits to total assets | 87.9400% | 1,380 |
| Equity capital to assets | 7.5484% | 3,691 |
| Core capital (leverage) ratio | 9.9588% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1121% | 597 |
| Memoranda: | ||
| Average total assets | $553,301,200 | 1,605 |
| Average earning assets | $532,642,200 | 1,543 |
| Average equity | $40,609,600 | 1,868 |
| Average total loans | $178,368,000 | 2,457 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1566% | 1,532 |
| Cost of funding earning assets | 3.1194% | 101 |
| Net interest margin | 2.0372% | 4,428 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 2.4887% | 2,269 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | -0.1129% | 4,478 |
| Return on assets (ROA) | -0.1259% | 4,467 |
| Pretax return on assets | -0.1259% | 4,454 |
| Return on Equity (ROE) | -1.7300% | 4,447 |
| Retained earnings to average equity (ytd only) | -1.7316% | 4,307 |
| Net charge-offs to loans | 0.1320% | 613 |
| Credit loss provision to net charge-offs | 276.8750% | 931 |
| Earnings coverage of net charge-offs (x) | 0.0125% | 2,571 |
| Efficiency ratio | 99.9794% | 181 |
| Assets per employee ($millions) | 11.4944% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9848% | 3,439 |
| Loan loss allowance to noncurrent loans | 307.4453% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.1124% | 2,820 |
| Noncurrent loans to loans | 0.3203% | 2,083 |
| Net loans and leases to total assets | 34.7600% | 4,224 |
| Net loans and leases to deposits | 39.8001% | 4,207 |
| Net loans and leases to core deposits | 46.0954% | 4,125 |
| Total domestic deposits to total assets | 87.3300% | 1,791 |
| Equity capital to assets | 7.3872% | 3,420 |
| Core capital (leverage) ratio | 9.5446% | 3,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1417% | 615 |
| Memoranda: | ||
| Average total assets | $521,008,000 | 1,683 |
| Average earning assets | $500,344,000 | 1,631 |
| Average equity | $37,883,000 | 1,934 |
| Average total loans | $161,630,750 | 2,592 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7450% | 2,120 |
| Cost of funding earning assets | 2.9144% | 98 |
| Net interest margin | 1.8306% | 4,532 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.5061% | 2,190 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | -0.3360% | 4,550 |
| Return on assets (ROA) | -0.3568% | 4,543 |
| Pretax return on assets | -0.3568% | 4,536 |
| Return on Equity (ROE) | -4.9400% | 4,541 |
| Retained earnings to average equity (ytd only) | -4.9395% | 4,417 |
| Net charge-offs to loans | 0.2968% | 283 |
| Credit loss provision to net charge-offs | 95.7944% | 1,478 |
| Earnings coverage of net charge-offs (x) | -2.9019% | 4,620 |
| Efficiency ratio | 111.2114% | 95 |
| Assets per employee ($millions) | 11.2917% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0018% | 3,411 |
| Loan loss allowance to noncurrent loans | 257.1631% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 2,140 |
| Noncurrent loans to loans | 0.3896% | 1,758 |
| Net loans and leases to total assets | 31.7300% | 4,290 |
| Net loans and leases to deposits | 36.3772% | 4,290 |
| Net loans and leases to core deposits | 44.4545% | 4,157 |
| Total domestic deposits to total assets | 87.2400% | 1,851 |
| Equity capital to assets | 7.4226% | 3,568 |
| Core capital (leverage) ratio | 11.2541% | 1,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $491,609,667 | 1,745 |
| Average earning assets | $471,314,000 | 1,709 |
| Average equity | $35,509,667 | 2,043 |
| Average total loans | $144,227,333 | 2,723 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4298% | 2,466 |
| Cost of funding earning assets | 2.7477% | 61 |
| Net interest margin | 1.6822% | 4,619 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.7289% | 1,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.5133% | 4,588 |
| Return on assets (ROA) | -0.5581% | 4,580 |
| Pretax return on assets | -0.5581% | 4,571 |
| Return on Equity (ROE) | -7.8600% | 4,581 |
| Retained earnings to average equity (ytd only) | -7.8611% | 4,427 |
| Net charge-offs to loans | 0.7024% | 110 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | -2.6425% | 4,650 |
| Efficiency ratio | 123.1654% | 66 |
| Assets per employee ($millions) | 10.0626% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,069 |
| Loan loss allowance to noncurrent loans | 231.1688% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 1,925 |
| Noncurrent loans to loans | 0.4750% | 1,526 |
| Net loans and leases to total assets | 29.2600% | 4,382 |
| Net loans and leases to deposits | 33.0576% | 4,391 |
| Net loans and leases to core deposits | 38.5787% | 4,304 |
| Total domestic deposits to total assets | 88.5200% | 1,728 |
| Equity capital to assets | 8.7327% | 2,711 |
| Core capital (leverage) ratio | 13.2044% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3561% | 336 |
| Memoranda: | ||
| Average total assets | $455,122,500 | 1,865 |
| Average earning assets | $433,965,500 | 1,821 |
| Average equity | $32,311,000 | 2,205 |
| Average total loans | $125,852,500 | 2,922 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9479% | 4,193 |
| Cost of funding earning assets | 1.1051% | 104 |
| Net interest margin | 1.8428% | 4,593 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 2.9291% | 1,080 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | -1.1745% | 4,667 |
| Return on assets (ROA) | -1.1742% | 4,661 |
| Pretax return on assets | -1.1742% | 4,651 |
| Return on Equity (ROE) | -15.0600% | 4,683 |
| Retained earnings to average equity (ytd only) | -15.0633% | 4,676 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 145.8982% | 42 |
| Assets per employee ($millions) | 8.0227% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0364% | 402 |
| Loan loss allowance to noncurrent loans | 151.7606% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 1,388 |
| Noncurrent loans to loans | 1.3418% | 509 |
| Net loans and leases to total assets | 24.8500% | 4,495 |
| Net loans and leases to deposits | 27.1025% | 4,513 |
| Net loans and leases to core deposits | 30.9332% | 4,474 |
| Total domestic deposits to total assets | 91.6900% | 719 |
| Equity capital to assets | 5.1690% | 4,318 |
| Core capital (leverage) ratio | 9.9674% | 2,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4297% | 396 |
| Memoranda: | ||
| Average total assets | $332,730,600 | 2,286 |
| Average earning assets | $316,534,400 | 2,257 |
| Average equity | $25,937,200 | 2,533 |
| Average total loans | $99,729,400 | 3,156 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6202% | 4,373 |
| Cost of funding earning assets | 0.6727% | 305 |
| Net interest margin | 1.9475% | 4,567 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.9420% | 987 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | -0.9798% | 4,705 |
| Return on assets (ROA) | -0.9794% | 4,695 |
| Pretax return on assets | -0.9794% | 4,691 |
| Return on Equity (ROE) | -11.2900% | 4,707 |
| Retained earnings to average equity (ytd only) | -11.2907% | 4,687 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 138.9372% | 49 |
| Assets per employee ($millions) | 7.6988% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6611% | 942 |
| Loan loss allowance to noncurrent loans | 138.2838% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 1,501 |
| Noncurrent loans to loans | 1.2012% | 613 |
| Net loans and leases to total assets | 26.8500% | 4,486 |
| Net loans and leases to deposits | 28.7390% | 4,517 |
| Net loans and leases to core deposits | 33.2764% | 4,461 |
| Total domestic deposits to total assets | 93.4300% | 461 |
| Equity capital to assets | 6.1506% | 3,903 |
| Core capital (leverage) ratio | 11.0613% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0380% | 344 |
| Memoranda: | ||
| Average total assets | $311,618,750 | 2,408 |
| Average earning assets | $295,893,750 | 2,375 |
| Average equity | $27,030,500 | 2,515 |
| Average total loans | $98,205,500 | 3,184 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3119% | 4,513 |
| Cost of funding earning assets | 0.3044% | 1,683 |
| Net interest margin | 2.0076% | 4,554 |
| Noninterest income to average assets | 0.2771% | 3,509 |
| Noninterest expense to average assets | 2.8606% | 1,055 |
| Loan and lease loss provision to assets | 0.2484% | 293 |
| Net operating income to assets | -0.9319% | 4,715 |
| Return on assets (ROA) | -0.9312% | 4,709 |
| Pretax return on assets | -0.9312% | 4,699 |
| Return on Equity (ROE) | -9.5628% | 4,723 |
| Retained earnings to average equity (ytd only) | -9.5628% | 4,653 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.3897% | 59 |
| Assets per employee ($millions) | 7.1149% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7252% | 922 |
| Loan loss allowance to noncurrent loans | 136.3710% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,376 |
| Noncurrent loans to loans | 1.2651% | 626 |
| Net loans and leases to total assets | 28.5507% | 4,503 |
| Net loans and leases to deposits | 30.8223% | 4,531 |
| Net loans and leases to core deposits | 32.4923% | 4,519 |
| Total domestic deposits to total assets | 92.6300% | 606 |
| Equity capital to assets | 6.9812% | 3,782 |
| Core capital (leverage) ratio | 13.1438% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5417% | 256 |
| Memoranda: | ||
| Average total assets | $292,311,333 | 2,522 |
| Average earning assets | $276,654,667 | 2,497 |
| Average equity | $28,464,333 | 2,498 |
| Average total loans | $97,307,333 | 3,223 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0835% | 4,588 |
| Cost of funding earning assets | 0.2160% | 2,580 |
| Net interest margin | 1.8675% | 4,593 |
| Noninterest income to average assets | 0.3790% | 2,821 |
| Noninterest expense to average assets | 3.0273% | 788 |
| Loan and lease loss provision to assets | 0.3126% | 192 |
| Net operating income to assets | -1.2018% | 4,744 |
| Return on assets (ROA) | -1.2003% | 4,741 |
| Pretax return on assets | -1.2003% | 4,737 |
| Return on Equity (ROE) | -10.4951% | 4,748 |
| Retained earnings to average equity (ytd only) | -10.4951% | 4,571 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.0345% | 51 |
| Assets per employee ($millions) | 7.1008% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3930% | 1,931 |
| Loan loss allowance to noncurrent loans | 115.7815% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 1,224 |
| Noncurrent loans to loans | 1.2031% | 740 |
| Net loans and leases to total assets | 36.2201% | 4,196 |
| Net loans and leases to deposits | 41.8576% | 4,167 |
| Net loans and leases to core deposits | 42.1756% | 4,232 |
| Total domestic deposits to total assets | 86.5318% | 3,092 |
| Equity capital to assets | 9.1022% | 2,626 |
| Core capital (leverage) ratio | 12.4481% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2872% | 369 |
| Memoranda: | ||
| Average total assets | $271,268,000 | 2,657 |
| Average earning assets | $255,527,000 | 2,648 |
| Average equity | $31,024,000 | 2,433 |
| Average total loans | $97,386,500 | 3,223 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2337% | 4,615 |
| Cost of funding earning assets | 0.2141% | 3,326 |
| Net interest margin | 2.0196% | 4,590 |
| Noninterest income to average assets | -0.0168% | 4,824 |
| Noninterest expense to average assets | 2.3776% | 2,563 |
| Loan and lease loss provision to assets | 0.6177% | 83 |
| Net operating income to assets | -1.1597% | 4,791 |
| Return on assets (ROA) | -1.1358% | 4,791 |
| Pretax return on assets | -1.1171% | 4,788 |
| Return on Equity (ROE) | -7.8239% | 4,794 |
| Retained earnings to average equity (ytd only) | -7.8239% | 4,743 |
| Net charge-offs to loans | 0.0201% | 1,873 |
| Credit loss provision to net charge-offs | 8,690.9091% | 82 |
| Earnings coverage of net charge-offs (x) | -73.6364% | 2,696 |
| Efficiency ratio | 127.5261% | 56 |
| Assets per employee ($millions) | 6.6027% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,419 |
| Loan loss allowance to noncurrent loans | 208.9030% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 1,884 |
| Noncurrent loans to loans | 0.7380% | 1,375 |
| Net loans and leases to total assets | 34.3478% | 4,362 |
| Net loans and leases to deposits | 40.2214% | 4,331 |
| Net loans and leases to core deposits | 40.6570% | 4,378 |
| Total domestic deposits to total assets | 85.3967% | 3,136 |
| Equity capital to assets | 14.2865% | 613 |
| Core capital (leverage) ratio | 17.0177% | 290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4205% | 163 |
| Memoranda: | ||
| Average total assets | $154,776,200 | 3,443 |
| Average earning assets | $143,395,600 | 3,436 |
| Average equity | $22,469,600 | 3,020 |
| Average total loans | $54,844,200 | 3,917 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3283% | 4,663 |
| Cost of funding earning assets | 0.2211% | 3,412 |
| Net interest margin | 2.1072% | 4,622 |
| Noninterest income to average assets | -0.0624% | 4,901 |
| Noninterest expense to average assets | 1.7483% | 4,259 |
| Loan and lease loss provision to assets | 0.6715% | 71 |
| Net operating income to assets | -0.5629% | 4,837 |
| Return on assets (ROA) | -0.5257% | 4,838 |
| Pretax return on assets | -0.4965% | 4,835 |
| Return on Equity (ROE) | -3.5947% | 4,829 |
| Retained earnings to average equity (ytd only) | -3.5947% | 4,762 |
| Net charge-offs to loans | 0.0593% | 1,047 |
| Credit loss provision to net charge-offs | 3,176.1905% | 227 |
| Earnings coverage of net charge-offs (x) | 6.5238% | 2,172 |
| Efficiency ratio | 91.7779% | 278 |
| Assets per employee ($millions) | 5.9079% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 913 |
| Loan loss allowance to noncurrent loans | 201.3889% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.5046% | 1,519 |
| Noncurrent loans to loans | 0.8967% | 1,286 |
| Net loans and leases to total assets | 29.1918% | 4,611 |
| Net loans and leases to deposits | 36.3881% | 4,567 |
| Net loans and leases to core deposits | 36.9304% | 4,593 |
| Total domestic deposits to total assets | 80.2235% | 4,198 |
| Equity capital to assets | 19.3544% | 216 |
| Core capital (leverage) ratio | 24.3302% | 106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.1563% | 58 |
| Memoranda: | ||
| Average total assets | $132,395,000 | 3,691 |
| Average earning assets | $122,434,750 | 3,692 |
| Average equity | $19,361,500 | 3,304 |
| Average total loans | $47,248,750 | 4,111 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5895% | 4,554 |
| Cost of funding earning assets | 0.2588% | 3,198 |
| Net interest margin | 2.3308% | 4,488 |
| Noninterest income to average assets | -0.2273% | 4,945 |
| Noninterest expense to average assets | 0.4282% | 4,935 |
| Loan and lease loss provision to assets | 0.9515% | 42 |
| Net operating income to assets | 0.5198% | 4,178 |
| Return on assets (ROA) | 0.5850% | 4,068 |
| Pretax return on assets | 0.5850% | 4,262 |
| Return on Equity (ROE) | 4.8757% | 4,148 |
| Retained earnings to average equity (ytd only) | 4.8757% | 3,230 |
| Net charge-offs to loans | 0.0949% | 764 |
| Credit loss provision to net charge-offs | 2,571.4286% | 236 |
| Earnings coverage of net charge-offs (x) | 39.7619% | 1,169 |
| Efficiency ratio | 20.8720% | 4,930 |
| Assets per employee ($millions) | 4.2827% | 4,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0543% | 547 |
| Loan loss allowance to noncurrent loans | 547.5309% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.6414% | 1,295 |
| Noncurrent loans to loans | 0.3752% | 2,555 |
| Net loans and leases to total assets | 29.0434% | 4,683 |
| Net loans and leases to deposits | 39.6321% | 4,532 |
| Net loans and leases to core deposits | 40.1948% | 4,576 |
| Total domestic deposits to total assets | 73.2826% | 4,678 |
| Equity capital to assets | 25.6117% | 88 |
| Core capital (leverage) ratio | 29.9277% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 79.5594% | 41 |
| Memoranda: | ||
| Average total assets | $113,509,000 | 3,928 |
| Average earning assets | $103,571,000 | 3,938 |
| Average equity | $13,618,667 | 3,828 |
| Average total loans | $44,264,000 | 4,185 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1667% | 3,741 |
| Cost of funding earning assets | 0.3153% | 2,835 |
| Net interest margin | 2.8514% | 3,634 |
| Noninterest income to average assets | 0.3899% | 3,148 |
| Noninterest expense to average assets | 4.1085% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.1574% | 4,935 |
| Return on assets (ROA) | -1.0056% | 4,926 |
| Pretax return on assets | -1.0056% | 4,929 |
| Return on Equity (ROE) | -55.0253% | 4,975 |
| Retained earnings to average equity (ytd only) | -55.0253% | 4,964 |
| Net charge-offs to loans | -0.1696% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.0223% | 40 |
| Assets per employee ($millions) | 3.4349% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 4,146 |
| Loan loss allowance to noncurrent loans | 267.5862% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 1.3080% | 537 |
| Noncurrent loans to loans | 0.3375% | 2,888 |
| Net loans and leases to total assets | 44.2638% | 4,100 |
| Net loans and leases to deposits | 45.6443% | 4,373 |
| Net loans and leases to core deposits | 46.3586% | 4,426 |
| Total domestic deposits to total assets | 96.9754% | 2 |
| Equity capital to assets | 1.5274% | 4,978 |
| Core capital (leverage) ratio | 2.0539% | 4,978 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.5802% | 3,078 |
| Memoranda: | ||
| Average total assets | $97,457,000 | 4,101 |
| Average earning assets | $87,537,000 | 4,126 |
| Average equity | $1,781,000 | 4,956 |
| Average total loans | $44,807,000 | 4,195 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 3,268 |
| Cost of funding earning assets | 0.3959% | 3,605 |
| Net interest margin | 3.4157% | 2,727 |
| Noninterest income to average assets | 0.5088% | 2,592 |
| Noninterest expense to average assets | 3.9294% | 406 |
| Loan and lease loss provision to assets | -0.0462% | 4,932 |
| Net operating income to assets | -0.3370% | 4,846 |
| Return on assets (ROA) | -0.2662% | 4,844 |
| Pretax return on assets | -0.2662% | 4,835 |
| Return on Equity (ROE) | -11.4581% | 4,953 |
| Retained earnings to average equity (ytd only) | -11.4581% | 4,924 |
| Net charge-offs to loans | 0.3387% | 515 |
| Credit loss provision to net charge-offs | -25.1462% | 3,675 |
| Earnings coverage of net charge-offs (x) | -2.0877% | 3,360 |
| Efficiency ratio | 111.3801% | 114 |
| Assets per employee ($millions) | 3.5263% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7909% | 4,443 |
| Loan loss allowance to noncurrent loans | 244.3709% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 1.7076% | 382 |
| Noncurrent loans to loans | 0.3237% | 3,043 |
| Net loans and leases to total assets | 46.8775% | 4,065 |
| Net loans and leases to deposits | 48.5386% | 4,375 |
| Net loans and leases to core deposits | 49.1693% | 4,453 |
| Total domestic deposits to total assets | 96.5777% | 1 |
| Equity capital to assets | 2.1198% | 5,001 |
| Core capital (leverage) ratio | 2.3650% | 5,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.7435% | 3,102 |
| Memoranda: | ||
| Average total assets | $93,168,400 | 4,077 |
| Average earning assets | $82,853,600 | 4,119 |
| Average equity | $2,164,400 | 4,960 |
| Average total loans | $50,491,800 | 4,104 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0332% | 2,880 |
| Cost of funding earning assets | 0.4095% | 3,768 |
| Net interest margin | 3.6236% | 2,179 |
| Noninterest income to average assets | 0.5157% | 2,540 |
| Noninterest expense to average assets | 4.1157% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.3864% | 4,879 |
| Return on assets (ROA) | -0.2906% | 4,865 |
| Pretax return on assets | -0.2906% | 4,861 |
| Return on Equity (ROE) | -12.2195% | 4,975 |
| Retained earnings to average equity (ytd only) | -12.2195% | 4,950 |
| Net charge-offs to loans | 0.4846% | 308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | -1.4225% | 3,163 |
| Efficiency ratio | 109.9727% | 112 |
| Assets per employee ($millions) | 3.2764% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 4,367 |
| Loan loss allowance to noncurrent loans | 115.7895% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 1.9755% | 336 |
| Noncurrent loans to loans | 0.6872% | 2,072 |
| Net loans and leases to total assets | 51.9576% | 3,971 |
| Net loans and leases to deposits | 53.5724% | 4,357 |
| Net loans and leases to core deposits | 53.9293% | 4,451 |
| Total domestic deposits to total assets | 96.9858% | 3 |
| Equity capital to assets | 2.2607% | 5,031 |
| Core capital (leverage) ratio | 2.4597% | 5,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.6769% | 3,126 |
| Memoranda: | ||
| Average total assets | $91,776,500 | 4,103 |
| Average earning assets | $81,389,250 | 4,147 |
| Average equity | $2,182,250 | 4,989 |
| Average total loans | $51,451,250 | 4,102 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3619% | 2,309 |
| Cost of funding earning assets | 0.4208% | 3,946 |
| Net interest margin | 3.9411% | 1,467 |
| Noninterest income to average assets | 0.5116% | 2,521 |
| Noninterest expense to average assets | 4.2912% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.2889% | 4,874 |
| Return on assets (ROA) | -0.1918% | 4,860 |
| Pretax return on assets | -0.1918% | 4,846 |
| Return on Equity (ROE) | -7.9319% | 4,967 |
| Retained earnings to average equity (ytd only) | -7.9319% | 4,877 |
| Net charge-offs to loans | 0.7421% | 209 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.6788% | 2,951 |
| Efficiency ratio | 106.0606% | 132 |
| Assets per employee ($millions) | 3.1441% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 4,480 |
| Loan loss allowance to noncurrent loans | 72.0887% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 2.2009% | 302 |
| Noncurrent loans to loans | 1.0324% | 1,508 |
| Net loans and leases to total assets | 55.1440% | 3,763 |
| Net loans and leases to deposits | 57.0892% | 4,262 |
| Net loans and leases to core deposits | 57.4709% | 4,379 |
| Total domestic deposits to total assets | 96.5926% | 3 |
| Equity capital to assets | 2.4151% | 5,063 |
| Core capital (leverage) ratio | 2.6271% | 5,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.6273% | 3,209 |
| Memoranda: | ||
| Average total assets | $90,696,667 | 4,119 |
| Average earning assets | $80,332,667 | 4,164 |
| Average equity | $2,193,667 | 5,018 |
| Average total loans | $52,013,667 | 4,102 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4480% | 2,451 |
| Cost of funding earning assets | 0.4382% | 4,205 |
| Net interest margin | 4.0098% | 1,367 |
| Noninterest income to average assets | 0.5310% | 2,385 |
| Noninterest expense to average assets | 4.4868% | 308 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.4140% | 4,911 |
| Return on assets (ROA) | -0.2655% | 4,848 |
| Pretax return on assets | -0.2655% | 4,838 |
| Return on Equity (ROE) | -10.9691% | 5,005 |
| Retained earnings to average equity (ytd only) | -10.9691% | 4,795 |
| Net charge-offs to loans | 1.4898% | 95 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -0.4767% | 2,490 |
| Efficiency ratio | 107.5138% | 158 |
| Assets per employee ($millions) | 3.0673% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 4,492 |
| Loan loss allowance to noncurrent loans | 72.6257% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 2.3294% | 318 |
| Noncurrent loans to loans | 1.0461% | 1,590 |
| Net loans and leases to total assets | 57.2697% | 3,730 |
| Net loans and leases to deposits | 59.2032% | 4,235 |
| Net loans and leases to core deposits | 59.6224% | 4,375 |
| Total domestic deposits to total assets | 96.7342% | 2 |
| Equity capital to assets | 2.2293% | 5,115 |
| Core capital (leverage) ratio | 2.7679% | 5,114 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 5.6648% | 3,400 |
| Memoranda: | ||
| Average total assets | $88,883,000 | 4,139 |
| Average earning assets | $78,507,500 | 4,198 |
| Average equity | $2,151,500 | 5,067 |
| Average total loans | $51,818,500 | 4,119 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 1,765 |
| Cost of funding earning assets | 0.4433% | 4,292 |
| Net interest margin | 4.4506% | 800 |
| Noninterest income to average assets | 0.5801% | 2,315 |
| Noninterest expense to average assets | 4.3460% | 356 |
| Loan and lease loss provision to assets | 0.2360% | 807 |
| Net operating income to assets | -0.0607% | 4,992 |
| Return on assets (ROA) | 0.0033% | 4,990 |
| Pretax return on assets | 0.0033% | 4,981 |
| Return on Equity (ROE) | 0.1262% | 4,985 |
| Retained earnings to average equity (ytd only) | 0.1262% | 4,650 |
| Net charge-offs to loans | 0.9858% | 164 |
| Credit loss provision to net charge-offs | 38.4201% | 3,215 |
| Earnings coverage of net charge-offs (x) | 0.2855% | 3,622 |
| Efficiency ratio | 95.5610% | 216 |
| Assets per employee ($millions) | 3.0626% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1146% | 2,854 |
| Loan loss allowance to noncurrent loans | 39.2857% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 3.4206% | 136 |
| Noncurrent loans to loans | 2.8372% | 347 |
| Net loans and leases to total assets | 58.2357% | 3,753 |
| Net loans and leases to deposits | 60.3940% | 4,269 |
| Net loans and leases to core deposits | 60.6191% | 4,415 |
| Total domestic deposits to total assets | 96.4263% | 3 |
| Equity capital to assets | 2.6122% | 5,174 |
| Core capital (leverage) ratio | 2.8354% | 5,174 |
| Tier 1 risk-based capital ratio | 4.8942% | 5,173 |
| Total risk-based capital ratio | 6.0233% | 5,173 |
| Memoranda: | ||
| Average total assets | $90,680,400 | 4,138 |
| Average earning assets | $80,304,600 | 4,181 |
| Average equity | $2,376,600 | 5,114 |
| Average total loans | $56,499,800 | 4,041 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9817% | 1,587 |
| Cost of funding earning assets | 0.4428% | 4,355 |
| Net interest margin | 4.5389% | 702 |
| Noninterest income to average assets | 0.6056% | 2,173 |
| Noninterest expense to average assets | 4.4089% | 331 |
| Loan and lease loss provision to assets | 0.1243% | 1,567 |
| Net operating income to assets | 0.0907% | 5,024 |
| Return on assets (ROA) | 0.0907% | 5,037 |
| Pretax return on assets | 0.0907% | 5,043 |
| Return on Equity (ROE) | 3.4575% | 4,688 |
| Retained earnings to average equity (ytd only) | 3.4575% | 3,681 |
| Net charge-offs to loans | 1.2858% | 109 |
| Credit loss provision to net charge-offs | 15.3153% | 2,986 |
| Earnings coverage of net charge-offs (x) | 0.2649% | 3,368 |
| Efficiency ratio | 94.0525% | 229 |
| Assets per employee ($millions) | 2.9621% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 4,314 |
| Loan loss allowance to noncurrent loans | 27.7879% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 3.6123% | 136 |
| Noncurrent loans to loans | 2.9818% | 331 |
| Net loans and leases to total assets | 61.4163% | 3,550 |
| Net loans and leases to deposits | 64.0530% | 4,168 |
| Net loans and leases to core deposits | 64.2930% | 4,351 |
| Total domestic deposits to total assets | 95.8836% | 4 |
| Equity capital to assets | 2.8504% | 5,252 |
| Core capital (leverage) ratio | 2.8721% | 5,251 |
| Tier 1 risk-based capital ratio | 4.8704% | 5,252 |
| Total risk-based capital ratio | 5.7295% | 5,252 |
| Memoranda: | ||
| Average total assets | $91,146,750 | 4,175 |
| Average earning assets | $80,694,000 | 4,227 |
| Average equity | $2,390,750 | 5,189 |
| Average total loans | $57,548,500 | 4,069 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 1,674 |
| Cost of funding earning assets | 0.4401% | 4,359 |
| Net interest margin | 4.4873% | 791 |
| Noninterest income to average assets | 0.6028% | 2,138 |
| Noninterest expense to average assets | 4.3870% | 341 |
| Loan and lease loss provision to assets | 0.1850% | 961 |
| Net operating income to assets | 0.0022% | 5,100 |
| Return on assets (ROA) | 0.0022% | 5,107 |
| Pretax return on assets | 0.0022% | 5,107 |
| Return on Equity (ROE) | 0.0853% | 5,106 |
| Retained earnings to average equity (ytd only) | 0.0853% | 4,665 |
| Net charge-offs to loans | 1.8532% | 59 |
| Credit loss provision to net charge-offs | 15.7116% | 2,677 |
| Earnings coverage of net charge-offs (x) | 0.1590% | 3,102 |
| Efficiency ratio | 95.3378% | 213 |
| Assets per employee ($millions) | 2.9682% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 4,325 |
| Loan loss allowance to noncurrent loans | 26.7045% | 4,598 |
| Noncurrent assets plus other real estate owned to assets | 3.7723% | 124 |
| Noncurrent loans to loans | 3.1224% | 314 |
| Net loans and leases to total assets | 60.7473% | 3,674 |
| Net loans and leases to deposits | 63.1073% | 4,266 |
| Net loans and leases to core deposits | 63.9052% | 4,420 |
| Total domestic deposits to total assets | 96.2604% | 3 |
| Equity capital to assets | 2.6659% | 5,300 |
| Core capital (leverage) ratio | 2.7602% | 5,298 |
| Tier 1 risk-based capital ratio | 4.5519% | 5,299 |
| Total risk-based capital ratio | 5.4018% | 5,299 |
| Memoranda: | ||
| Average total assets | $91,907,670 | 4,190 |
| Average earning assets | $81,341,330 | 4,241 |
| Average equity | $2,343,330 | 5,233 |
| Average total loans | $58,387,000 | 4,082 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0121% | 1,314 |
| Cost of funding earning assets | 0.4386% | 4,337 |
| Net interest margin | 4.5735% | 647 |
| Noninterest income to average assets | 0.6358% | 1,881 |
| Noninterest expense to average assets | 4.4375% | 313 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2395% | 4,976 |
| Return on assets (ROA) | 0.2395% | 4,980 |
| Pretax return on assets | 0.2395% | 5,008 |
| Return on Equity (ROE) | 9.6133% | 2,538 |
| Retained earnings to average equity (ytd only) | 9.6133% | 1,130 |
| Net charge-offs to loans | 0.0337% | 1,786 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,929 |
| Efficiency ratio | 94.3203% | 265 |
| Assets per employee ($millions) | 2.9332% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,172 |
| Loan loss allowance to noncurrent loans | 43.9408% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 4.3914% | 88 |
| Noncurrent loans to loans | 3.5362% | 255 |
| Net loans and leases to total assets | 64.1728% | 3,266 |
| Net loans and leases to deposits | 66.6343% | 4,004 |
| Net loans and leases to core deposits | 67.4867% | 4,208 |
| Total domestic deposits to total assets | 96.3059% | 2 |
| Equity capital to assets | 2.6219% | 5,359 |
| Core capital (leverage) ratio | 2.8015% | 5,359 |
| Tier 1 risk-based capital ratio | 4.4487% | 5,358 |
| Total risk-based capital ratio | 5.7032% | 5,358 |
| Memoranda: | ||
| Average total assets | $91,854,500 | 4,230 |
| Average earning assets | $81,164,000 | 4,292 |
| Average equity | $2,288,500 | 5,290 |
| Average total loans | $59,397,500 | 4,107 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8996% | 1,291 |
| Cost of funding earning assets | 0.4541% | 3,653 |
| Net interest margin | 4.4454% | 851 |
| Noninterest income to average assets | -0.2951% | 5,389 |
| Noninterest expense to average assets | 5.2357% | 178 |
| Loan and lease loss provision to assets | 0.0228% | 3,716 |
| Net operating income to assets | -1.6714% | 5,366 |
| Return on assets (ROA) | -1.6714% | 5,364 |
| Pretax return on assets | -1.6714% | 5,358 |
| Return on Equity (ROE) | -57.6099% | 5,397 |
| Retained earnings to average equity (ytd only) | -57.6099% | 5,396 |
| Net charge-offs to loans | 0.3112% | 626 |
| Credit loss provision to net charge-offs | 11.1675% | 3,426 |
| Earnings coverage of net charge-offs (x) | -8.0812% | 3,751 |
| Efficiency ratio | 145.4099% | 31 |
| Assets per employee ($millions) | 2.8115% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 1,128 |
| Loan loss allowance to noncurrent loans | 35.2359% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 5.2371% | 67 |
| Noncurrent loans to loans | 4.4151% | 148 |
| Net loans and leases to total assets | 63.1562% | 3,447 |
| Net loans and leases to deposits | 65.3459% | 4,165 |
| Net loans and leases to core deposits | 66.8809% | 4,304 |
| Total domestic deposits to total assets | 96.6491% | 2 |
| Equity capital to assets | 2.3636% | 5,405 |
| Core capital (leverage) ratio | 2.6749% | 5,404 |
| Tier 1 risk-based capital ratio | 4.2597% | 5,403 |
| Total risk-based capital ratio | 5.5129% | 5,403 |
| Memoranda: | ||
| Average total assets | $96,567,200 | 4,158 |
| Average earning assets | $84,333,600 | 4,246 |
| Average equity | $2,801,600 | 5,295 |
| Average total loans | $63,297,400 | 4,015 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 1,247 |
| Cost of funding earning assets | 0.4583% | 3,469 |
| Net interest margin | 4.4085% | 884 |
| Noninterest income to average assets | 0.0383% | 5,370 |
| Noninterest expense to average assets | 5.3912% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -1.5122% | 5,435 |
| Return on assets (ROA) | -1.5122% | 5,431 |
| Pretax return on assets | -1.5122% | 5,428 |
| Return on Equity (ROE) | -49.9240% | 5,468 |
| Retained earnings to average equity (ytd only) | -49.9240% | 5,465 |
| Net charge-offs to loans | -0.0145% | 4,502 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.6676% | 32 |
| Assets per employee ($millions) | 2.8448% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8192% | 699 |
| Loan loss allowance to noncurrent loans | 42.8295% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 5.9427% | 56 |
| Noncurrent loans to loans | 4.2475% | 187 |
| Net loans and leases to total assets | 63.6973% | 3,466 |
| Net loans and leases to deposits | 66.9897% | 4,128 |
| Net loans and leases to core deposits | 68.5705% | 4,274 |
| Total domestic deposits to total assets | 95.0852% | 6 |
| Equity capital to assets | 2.7418% | 5,475 |
| Core capital (leverage) ratio | 3.1863% | 5,475 |
| Tier 1 risk-based capital ratio | 4.9230% | 5,475 |
| Total risk-based capital ratio | 6.1790% | 5,475 |
| Memoranda: | ||
| Average total assets | $97,513,750 | 4,178 |
| Average earning assets | $84,955,750 | 4,281 |
| Average equity | $2,953,750 | 5,352 |
| Average total loans | $64,241,000 | 4,041 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 1,190 |
| Cost of funding earning assets | 0.4491% | 3,365 |
| Net interest margin | 4.3749% | 894 |
| Noninterest income to average assets | -0.1884% | 5,521 |
| Noninterest expense to average assets | 5.8587% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -2.2385% | 5,512 |
| Return on assets (ROA) | -2.2385% | 5,506 |
| Pretax return on assets | -2.2385% | 5,506 |
| Return on Equity (ROE) | -71.7456% | 5,540 |
| Retained earnings to average equity (ytd only) | -71.7456% | 5,539 |
| Net charge-offs to loans | -0.0214% | 4,595 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.6044% | 26 |
| Assets per employee ($millions) | 2.8503% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7790% | 782 |
| Loan loss allowance to noncurrent loans | 43.5022% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 5.8261% | 65 |
| Noncurrent loans to loans | 4.0895% | 211 |
| Net loans and leases to total assets | 63.1252% | 3,500 |
| Net loans and leases to deposits | 66.3082% | 4,150 |
| Net loans and leases to core deposits | 68.2106% | 4,243 |
| Total domestic deposits to total assets | 95.1996% | 4 |
| Equity capital to assets | 2.7180% | 5,538 |
| Core capital (leverage) ratio | 3.0933% | 5,539 |
| Tier 1 risk-based capital ratio | 4.8364% | 5,539 |
| Total risk-based capital ratio | 6.0917% | 5,539 |
| Memoranda: | ||
| Average total assets | $98,725,000 | 4,196 |
| Average earning assets | $85,945,670 | 4,297 |
| Average equity | $3,080,330 | 5,407 |
| Average total loans | $65,352,330 | 4,036 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8864% | 896 |
| Cost of funding earning assets | 0.4400% | 3,283 |
| Net interest margin | 4.4464% | 689 |
| Noninterest income to average assets | -0.8310% | 5,601 |
| Noninterest expense to average assets | 6.9375% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -3.9144% | 5,588 |
| Return on assets (ROA) | -3.9144% | 5,586 |
| Pretax return on assets | -3.9144% | 5,586 |
| Return on Equity (ROE) | -118.0566% | 5,603 |
| Retained earnings to average equity (ytd only) | -118.0566% | 5,602 |
| Net charge-offs to loans | -0.0179% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 230.5445% | 10 |
| Assets per employee ($millions) | 2.8104% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 972 |
| Loan loss allowance to noncurrent loans | 42.1696% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 6.4007% | 58 |
| Noncurrent loans to loans | 4.0012% | 251 |
| Net loans and leases to total assets | 65.3959% | 3,126 |
| Net loans and leases to deposits | 68.7670% | 3,899 |
| Net loans and leases to core deposits | 70.7120% | 4,046 |
| Total domestic deposits to total assets | 95.0978% | 9 |
| Equity capital to assets | 2.8323% | 5,599 |
| Core capital (leverage) ratio | 3.0809% | 5,601 |
| Tier 1 risk-based capital ratio | 4.6377% | 5,601 |
| Total risk-based capital ratio | 5.8953% | 5,601 |
| Memoranda: | ||
| Average total assets | $99,633,000 | 4,225 |
| Average earning assets | $86,362,500 | 4,337 |
| Average equity | $3,303,500 | 5,442 |
| Average total loans | $66,887,500 | 4,037 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 809 |
| Cost of funding earning assets | 0.4197% | 3,053 |
| Net interest margin | 4.4728% | 656 |
| Noninterest income to average assets | 0.5033% | 2,976 |
| Noninterest expense to average assets | 4.2375% | 402 |
| Loan and lease loss provision to assets | 0.2488% | 755 |
| Net operating income to assets | -0.1302% | 5,426 |
| Return on assets (ROA) | -0.1282% | 5,429 |
| Pretax return on assets | -0.1282% | 5,477 |
| Return on Equity (ROE) | -3.3235% | 5,495 |
| Retained earnings to average equity (ytd only) | -3.3235% | 5,359 |
| Net charge-offs to loans | 0.2407% | 1,077 |
| Credit loss provision to net charge-offs | 155.4217% | 1,725 |
| Earnings coverage of net charge-offs (x) | 0.7410% | 3,971 |
| Efficiency ratio | 98.0301% | 204 |
| Assets per employee ($millions) | 2.8028% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6109% | 1,121 |
| Loan loss allowance to noncurrent loans | 51.5691% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 6.1604% | 63 |
| Noncurrent loans to loans | 3.1239% | 349 |
| Net loans and leases to total assets | 66.6429% | 3,013 |
| Net loans and leases to deposits | 70.6961% | 3,816 |
| Net loans and leases to core deposits | 73.4033% | 3,932 |
| Total domestic deposits to total assets | 94.2667% | 10 |
| Equity capital to assets | 3.7868% | 5,662 |
| Core capital (leverage) ratio | 4.0176% | 5,663 |
| Tier 1 risk-based capital ratio | 5.8597% | 5,662 |
| Total risk-based capital ratio | 7.1148% | 5,662 |
| Memoranda: | ||
| Average total assets | $103,716,600 | 4,173 |
| Average earning assets | $89,339,200 | 4,299 |
| Average equity | $4,001,800 | 5,419 |
| Average total loans | $68,967,800 | 3,990 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 787 |
| Cost of funding earning assets | 0.4180% | 3,002 |
| Net interest margin | 4.4636% | 649 |
| Noninterest income to average assets | 0.3486% | 4,041 |
| Noninterest expense to average assets | 4.2111% | 402 |
| Loan and lease loss provision to assets | 0.0192% | 3,759 |
| Net operating income to assets | -0.0370% | 5,527 |
| Return on assets (ROA) | -0.0345% | 5,529 |
| Pretax return on assets | -0.0345% | 5,522 |
| Return on Equity (ROE) | -0.8895% | 5,553 |
| Retained earnings to average equity (ytd only) | -0.8895% | 5,337 |
| Net charge-offs to loans | 0.2893% | 743 |
| Credit loss provision to net charge-offs | 10.0000% | 3,225 |
| Earnings coverage of net charge-offs (x) | -0.0934% | 3,698 |
| Efficiency ratio | 102.9842% | 148 |
| Assets per employee ($millions) | 3.0142% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 2,427 |
| Loan loss allowance to noncurrent loans | 44.0969% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 6.3660% | 62 |
| Noncurrent loans to loans | 2.9164% | 455 |
| Net loans and leases to total assets | 65.4613% | 3,181 |
| Net loans and leases to deposits | 69.5891% | 3,993 |
| Net loans and leases to core deposits | 72.2170% | 4,114 |
| Total domestic deposits to total assets | 94.0682% | 11 |
| Equity capital to assets | 3.8943% | 5,726 |
| Core capital (leverage) ratio | 4.0416% | 5,727 |
| Tier 1 risk-based capital ratio | 5.9114% | 5,727 |
| Total risk-based capital ratio | 7.1575% | 5,726 |
| Memoranda: | ||
| Average total assets | $104,420,250 | 4,204 |
| Average earning assets | $89,940,750 | 4,335 |
| Average equity | $4,047,000 | 5,475 |
| Average total loans | $69,123,500 | 4,013 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 780 |
| Cost of funding earning assets | 0.4108% | 2,971 |
| Net interest margin | 4.4352% | 655 |
| Noninterest income to average assets | 0.5806% | 2,556 |
| Noninterest expense to average assets | 4.1859% | 420 |
| Loan and lease loss provision to assets | 0.0286% | 3,428 |
| Net operating income to assets | 0.1885% | 5,413 |
| Return on assets (ROA) | 0.1923% | 5,414 |
| Pretax return on assets | 0.1923% | 5,435 |
| Return on Equity (ROE) | 4.9684% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.9684% | 2,728 |
| Net charge-offs to loans | 0.3971% | 514 |
| Credit loss provision to net charge-offs | 10.8696% | 2,844 |
| Earnings coverage of net charge-offs (x) | 0.8261% | 3,341 |
| Efficiency ratio | 98.4003% | 210 |
| Assets per employee ($millions) | 3.1375% | 5,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2881% | 2,475 |
| Loan loss allowance to noncurrent loans | 29.5333% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 7.5664% | 49 |
| Noncurrent loans to loans | 4.3615% | 195 |
| Net loans and leases to total assets | 65.5785% | 3,168 |
| Net loans and leases to deposits | 69.7592% | 3,932 |
| Net loans and leases to core deposits | 72.5460% | 4,052 |
| Total domestic deposits to total assets | 94.0070% | 13 |
| Equity capital to assets | 4.0034% | 5,775 |
| Core capital (leverage) ratio | 4.0373% | 5,776 |
| Tier 1 risk-based capital ratio | 5.9655% | 5,775 |
| Total risk-based capital ratio | 7.2126% | 5,774 |
| Memoranda: | ||
| Average total assets | $105,066,330 | 4,223 |
| Average earning assets | $90,548,670 | 4,344 |
| Average equity | $4,065,670 | 5,518 |
| Average total loans | $69,511,330 | 4,029 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 918 |
| Cost of funding earning assets | 0.4029% | 2,968 |
| Net interest margin | 4.3092% | 767 |
| Noninterest income to average assets | 0.5480% | 2,674 |
| Noninterest expense to average assets | 4.1122% | 473 |
| Loan and lease loss provision to assets | 0.0567% | 2,676 |
| Net operating income to assets | 0.0983% | 5,518 |
| Return on assets (ROA) | 0.1020% | 5,518 |
| Pretax return on assets | 0.1020% | 5,513 |
| Return on Equity (ROE) | 2.6826% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.6826% | 4,067 |
| Net charge-offs to loans | 0.8129% | 207 |
| Credit loss provision to net charge-offs | 10.5634% | 2,222 |
| Earnings coverage of net charge-offs (x) | 0.2887% | 2,828 |
| Efficiency ratio | 104.1630% | 173 |
| Assets per employee ($millions) | 3.2202% | 5,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,742 |
| Loan loss allowance to noncurrent loans | 26.0254% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 7.7853% | 53 |
| Noncurrent loans to loans | 4.8523% | 173 |
| Net loans and leases to total assets | 64.8953% | 3,132 |
| Net loans and leases to deposits | 68.8021% | 3,912 |
| Net loans and leases to core deposits | 71.7283% | 4,008 |
| Total domestic deposits to total assets | 94.3217% | 12 |
| Equity capital to assets | 3.8093% | 5,840 |
| Core capital (leverage) ratio | 3.9594% | 5,843 |
| Tier 1 risk-based capital ratio | 5.9155% | 5,841 |
| Total risk-based capital ratio | 7.1670% | 5,841 |
| Memoranda: | ||
| Average total assets | $105,831,000 | 4,250 |
| Average earning assets | $91,339,000 | 4,364 |
| Average equity | $4,026,000 | 5,581 |
| Average total loans | $69,875,000 | 4,055 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 875 |
| Cost of funding earning assets | 0.3828% | 3,175 |
| Net interest margin | 4.4265% | 729 |
| Noninterest income to average assets | 0.4575% | 3,495 |
| Noninterest expense to average assets | 4.6764% | 324 |
| Loan and lease loss provision to assets | 0.1497% | 1,667 |
| Net operating income to assets | -0.5617% | 5,794 |
| Return on assets (ROA) | -0.5542% | 5,797 |
| Pretax return on assets | -0.5542% | 5,787 |
| Return on Equity (ROE) | -13.8954% | 5,855 |
| Retained earnings to average equity (ytd only) | -13.8954% | 5,817 |
| Net charge-offs to loans | 0.2814% | 977 |
| Credit loss provision to net charge-offs | 79.3103% | 2,984 |
| Earnings coverage of net charge-offs (x) | -2.1823% | 4,196 |
| Efficiency ratio | 107.3921% | 144 |
| Assets per employee ($millions) | 3.0999% | 5,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,898 |
| Loan loss allowance to noncurrent loans | 32.2673% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 7.4300% | 54 |
| Noncurrent loans to loans | 4.4731% | 207 |
| Net loans and leases to total assets | 65.3700% | 3,163 |
| Net loans and leases to deposits | 69.3376% | 3,976 |
| Net loans and leases to core deposits | 72.1694% | 4,073 |
| Total domestic deposits to total assets | 94.2778% | 18 |
| Equity capital to assets | 3.7990% | 5,895 |
| Core capital (leverage) ratio | 3.9254% | 5,896 |
| Tier 1 risk-based capital ratio | 5.8643% | 5,895 |
| Total risk-based capital ratio | 7.1178% | 5,894 |
| Memoranda: | ||
| Average total assets | $107,539,000 | 4,213 |
| Average earning assets | $92,488,000 | 4,340 |
| Average equity | $4,289,200 | 5,589 |
| Average total loans | $72,130,400 | 3,992 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 858 |
| Cost of funding earning assets | 0.3748% | 3,284 |
| Net interest margin | 4.4469% | 704 |
| Noninterest income to average assets | 0.4330% | 3,671 |
| Noninterest expense to average assets | 4.8052% | 301 |
| Loan and lease loss provision to assets | 0.1986% | 1,066 |
| Net operating income to assets | -0.7501% | 5,886 |
| Return on assets (ROA) | -0.7402% | 5,888 |
| Pretax return on assets | -0.7402% | 5,882 |
| Return on Equity (ROE) | -18.3461% | 5,939 |
| Retained earnings to average equity (ytd only) | -18.3461% | 5,907 |
| Net charge-offs to loans | 0.3760% | 589 |
| Credit loss provision to net charge-offs | 78.5366% | 2,684 |
| Earnings coverage of net charge-offs (x) | -2.1805% | 3,873 |
| Efficiency ratio | 110.6439% | 117 |
| Assets per employee ($millions) | 3.0385% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 2,086 |
| Loan loss allowance to noncurrent loans | 31.2752% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 7.8026% | 63 |
| Noncurrent loans to loans | 4.5544% | 209 |
| Net loans and leases to total assets | 65.5935% | 3,190 |
| Net loans and leases to deposits | 69.7064% | 4,012 |
| Net loans and leases to core deposits | 72.3428% | 4,133 |
| Total domestic deposits to total assets | 94.0996% | 20 |
| Equity capital to assets | 3.8750% | 5,964 |
| Core capital (leverage) ratio | 3.8432% | 5,966 |
| Tier 1 risk-based capital ratio | 5.6662% | 5,963 |
| Total risk-based capital ratio | 6.9216% | 5,964 |
| Memoranda: | ||
| Average total assets | $108,074,500 | 4,236 |
| Average earning assets | $92,856,750 | 4,366 |
| Average equity | $4,360,500 | 5,643 |
| Average total loans | $72,686,250 | 4,001 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8369% | 818 |
| Cost of funding earning assets | 0.3657% | 3,403 |
| Net interest margin | 4.4712% | 654 |
| Noninterest income to average assets | 0.5265% | 3,028 |
| Noninterest expense to average assets | 5.0953% | 254 |
| Loan and lease loss provision to assets | 0.0018% | 3,996 |
| Net operating income to assets | -0.7216% | 5,952 |
| Return on assets (ROA) | -0.7069% | 5,955 |
| Pretax return on assets | -0.7069% | 5,949 |
| Return on Equity (ROE) | -17.2960% | 6,004 |
| Retained earnings to average equity (ytd only) | -17.2960% | 5,954 |
| Net charge-offs to loans | 0.0136% | 3,267 |
| Credit loss provision to net charge-offs | 20.0000% | 2,929 |
| Earnings coverage of net charge-offs (x) | -78.2000% | 3,678 |
| Efficiency ratio | 114.1775% | 117 |
| Assets per employee ($millions) | 2.9887% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 2,023 |
| Loan loss allowance to noncurrent loans | 29.7190% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 7.5703% | 68 |
| Noncurrent loans to loans | 4.9127% | 178 |
| Net loans and leases to total assets | 65.6787% | 3,122 |
| Net loans and leases to deposits | 69.8851% | 3,996 |
| Net loans and leases to core deposits | 72.2339% | 4,150 |
| Total domestic deposits to total assets | 93.9810% | 20 |
| Equity capital to assets | 4.0077% | 6,040 |
| Core capital (leverage) ratio | 3.9549% | 6,040 |
| Tier 1 risk-based capital ratio | 5.9058% | 6,039 |
| Total risk-based capital ratio | 7.1616% | 6,041 |
| Memoranda: | ||
| Average total assets | $108,649,670 | 4,253 |
| Average earning assets | $93,531,670 | 4,393 |
| Average equity | $4,440,330 | 5,689 |
| Average total loans | $73,326,330 | 4,009 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 629 |
| Cost of funding earning assets | 0.3581% | 3,520 |
| Net interest margin | 4.5999% | 500 |
| Noninterest income to average assets | 0.3920% | 3,890 |
| Noninterest expense to average assets | 5.3674% | 226 |
| Loan and lease loss provision to assets | 0.0037% | 3,622 |
| Net operating income to assets | -1.0258% | 6,029 |
| Return on assets (ROA) | -1.0258% | 6,032 |
| Pretax return on assets | -1.0258% | 6,021 |
| Return on Equity (ROE) | -24.8640% | 6,079 |
| Retained earnings to average equity (ytd only) | -24.8640% | 6,002 |
| Net charge-offs to loans | -0.0054% | 4,314 |
| Credit loss provision to net charge-offs | -100.0000% | 4,229 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.2479% | 99 |
| Assets per employee ($millions) | 2.9370% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 2,154 |
| Loan loss allowance to noncurrent loans | 32.3313% | 5,240 |
| Noncurrent assets plus other real estate owned to assets | 7.6857% | 78 |
| Noncurrent loans to loans | 4.5189% | 235 |
| Net loans and leases to total assets | 65.4155% | 3,042 |
| Net loans and leases to deposits | 69.6194% | 3,889 |
| Net loans and leases to core deposits | 71.9358% | 4,063 |
| Total domestic deposits to total assets | 93.9615% | 20 |
| Equity capital to assets | 4.0517% | 6,098 |
| Core capital (leverage) ratio | 4.0377% | 6,098 |
| Tier 1 risk-based capital ratio | 5.9281% | 6,098 |
| Total risk-based capital ratio | 7.1853% | 6,099 |
| Memoranda: | ||
| Average total assets | $109,178,500 | 4,277 |
| Average earning assets | $93,828,000 | 4,430 |
| Average equity | $4,504,500 | 5,721 |
| Average total loans | $74,133,500 | 4,020 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6895% | 1,129 |
| Cost of funding earning assets | 0.3586% | 3,605 |
| Net interest margin | 4.3309% | 903 |
| Noninterest income to average assets | 1.6208% | 492 |
| Noninterest expense to average assets | 6.0570% | 176 |
| Loan and lease loss provision to assets | 0.0188% | 4,030 |
| Net operating income to assets | -0.7541% | 6,081 |
| Return on assets (ROA) | -0.7541% | 6,083 |
| Pretax return on assets | -0.7541% | 6,079 |
| Return on Equity (ROE) | -16.0286% | 6,127 |
| Retained earnings to average equity (ytd only) | -16.0286% | 6,099 |
| Net charge-offs to loans | 0.1163% | 2,214 |
| Credit loss provision to net charge-offs | 23.5955% | 3,716 |
| Earnings coverage of net charge-offs (x) | -9.2472% | 4,421 |
| Efficiency ratio | 107.9584% | 158 |
| Assets per employee ($millions) | 2.6753% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3806% | 2,512 |
| Loan loss allowance to noncurrent loans | 28.7945% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 8.1933% | 74 |
| Noncurrent loans to loans | 4.7947% | 209 |
| Net loans and leases to total assets | 68.4448% | 2,639 |
| Net loans and leases to deposits | 72.8685% | 3,631 |
| Net loans and leases to core deposits | 74.7729% | 3,869 |
| Total domestic deposits to total assets | 93.9291% | 25 |
| Equity capital to assets | 4.1992% | 6,157 |
| Core capital (leverage) ratio | 4.2262% | 6,153 |
| Tier 1 risk-based capital ratio | 6.2257% | 6,156 |
| Total risk-based capital ratio | 7.4806% | 6,155 |
| Memoranda: | ||
| Average total assets | $111,920,400 | 4,224 |
| Average earning assets | $95,639,200 | 4,398 |
| Average equity | $5,265,600 | 5,590 |
| Average total loans | $76,552,200 | 3,925 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6420% | 1,228 |
| Cost of funding earning assets | 0.3599% | 3,652 |
| Net interest margin | 4.2822% | 996 |
| Noninterest income to average assets | 1.7200% | 448 |
| Noninterest expense to average assets | 5.6389% | 204 |
| Loan and lease loss provision to assets | 0.0024% | 4,200 |
| Net operating income to assets | -0.2679% | 6,075 |
| Return on assets (ROA) | -0.2679% | 6,091 |
| Pretax return on assets | -0.2679% | 6,078 |
| Return on Equity (ROE) | -5.5488% | 6,146 |
| Retained earnings to average equity (ytd only) | -5.5488% | 6,042 |
| Net charge-offs to loans | 0.1478% | 1,657 |
| Credit loss provision to net charge-offs | 2.3529% | 3,509 |
| Earnings coverage of net charge-offs (x) | -2.6353% | 4,090 |
| Efficiency ratio | 103.4635% | 224 |
| Assets per employee ($millions) | 2.3525% | 6,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3676% | 2,750 |
| Loan loss allowance to noncurrent loans | 31.5085% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 7.4407% | 96 |
| Noncurrent loans to loans | 4.3405% | 264 |
| Net loans and leases to total assets | 66.1672% | 2,976 |
| Net loans and leases to deposits | 70.9560% | 3,881 |
| Net loans and leases to core deposits | 73.3265% | 4,073 |
| Total domestic deposits to total assets | 93.2510% | 41 |
| Equity capital to assets | 4.6591% | 6,235 |
| Core capital (leverage) ratio | 4.6903% | 6,234 |
| Tier 1 risk-based capital ratio | 6.9409% | 6,237 |
| Total risk-based capital ratio | 8.1963% | 6,235 |
| Memoranda: | ||
| Average total assets | $112,478,750 | 4,259 |
| Average earning assets | $95,961,250 | 4,438 |
| Average equity | $5,430,500 | 5,624 |
| Average total loans | $76,658,750 | 3,960 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 1,126 |
| Cost of funding earning assets | 0.3605% | 3,695 |
| Net interest margin | 4.3131% | 898 |
| Noninterest income to average assets | 2.0066% | 368 |
| Noninterest expense to average assets | 5.5550% | 216 |
| Loan and lease loss provision to assets | 0.0036% | 4,015 |
| Net operating income to assets | 0.1122% | 5,861 |
| Return on assets (ROA) | 0.1122% | 5,911 |
| Pretax return on assets | 0.1122% | 5,925 |
| Return on Equity (ROE) | 2.2963% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.2963% | 4,573 |
| Net charge-offs to loans | 0.2261% | 1,133 |
| Credit loss provision to net charge-offs | 2.2989% | 3,146 |
| Earnings coverage of net charge-offs (x) | 0.7471% | 3,628 |
| Efficiency ratio | 96.6719% | 416 |
| Assets per employee ($millions) | 2.1318% | 6,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 3,097 |
| Loan loss allowance to noncurrent loans | 29.2008% | 5,523 |
| Noncurrent assets plus other real estate owned to assets | 8.1370% | 88 |
| Noncurrent loans to loans | 4.5459% | 295 |
| Net loans and leases to total assets | 69.3363% | 2,439 |
| Net loans and leases to deposits | 74.6047% | 3,423 |
| Net loans and leases to core deposits | 76.7794% | 3,692 |
| Total domestic deposits to total assets | 92.9383% | 56 |
| Equity capital to assets | 4.9860% | 6,300 |
| Core capital (leverage) ratio | 4.9257% | 6,304 |
| Tier 1 risk-based capital ratio | 7.2256% | 6,305 |
| Total risk-based capital ratio | 8.4796% | 6,306 |
| Memoranda: | ||
| Average total assets | $112,331,670 | 4,290 |
| Average earning assets | $95,430,670 | 4,483 |
| Average equity | $5,487,000 | 5,668 |
| Average total loans | $76,961,000 | 3,977 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8999% | 699 |
| Cost of funding earning assets | 0.3637% | 3,708 |
| Net interest margin | 4.5362% | 566 |
| Noninterest income to average assets | 1.6485% | 467 |
| Noninterest expense to average assets | 5.4620% | 230 |
| Loan and lease loss provision to assets | 0.0035% | 3,664 |
| Net operating income to assets | 0.0212% | 5,988 |
| Return on assets (ROA) | 0.0212% | 6,027 |
| Pretax return on assets | 0.0212% | 6,027 |
| Return on Equity (ROE) | 0.4390% | 5,993 |
| Retained earnings to average equity (ytd only) | 0.4390% | 5,235 |
| Net charge-offs to loans | -0.0209% | 5,071 |
| Credit loss provision to net charge-offs | -25.0000% | 4,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5171% | 415 |
| Assets per employee ($millions) | 2.1865% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 2,668 |
| Loan loss allowance to noncurrent loans | 25.0837% | 5,648 |
| Noncurrent assets plus other real estate owned to assets | 8.2331% | 94 |
| Noncurrent loans to loans | 5.7866% | 192 |
| Net loans and leases to total assets | 67.1179% | 2,593 |
| Net loans and leases to deposits | 72.4080% | 3,499 |
| Net loans and leases to core deposits | 75.1452% | 3,673 |
| Total domestic deposits to total assets | 92.6939% | 81 |
| Equity capital to assets | 4.8355% | 6,379 |
| Core capital (leverage) ratio | 4.8893% | 6,370 |
| Tier 1 risk-based capital ratio | 7.1471% | 6,374 |
| Total risk-based capital ratio | 8.3986% | 6,373 |
| Memoranda: | ||
| Average total assets | $113,072,000 | 4,311 |
| Average earning assets | $95,675,500 | 4,516 |
| Average equity | $5,467,000 | 5,723 |
| Average total loans | $76,494,500 | 4,004 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8500% | 1,015 |
| Cost of funding earning assets | 0.4127% | 3,571 |
| Net interest margin | 4.4373% | 837 |
| Noninterest income to average assets | 1.2938% | 727 |
| Noninterest expense to average assets | 5.6132% | 217 |
| Loan and lease loss provision to assets | 0.0017% | 4,575 |
| Net operating income to assets | -0.5333% | 6,305 |
| Return on assets (ROA) | -0.5228% | 6,300 |
| Pretax return on assets | -0.5228% | 6,294 |
| Return on Equity (ROE) | -10.5635% | 6,371 |
| Retained earnings to average equity (ytd only) | -10.5635% | 6,327 |
| Net charge-offs to loans | 0.0092% | 4,726 |
| Credit loss provision to net charge-offs | 28.5714% | 3,855 |
| Earnings coverage of net charge-offs (x) | -86.8571% | 4,958 |
| Efficiency ratio | 108.5498% | 236 |
| Assets per employee ($millions) | 2.1216% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4811% | 2,561 |
| Loan loss allowance to noncurrent loans | 28.5023% | 5,679 |
| Noncurrent assets plus other real estate owned to assets | 7.8492% | 120 |
| Noncurrent loans to loans | 5.1964% | 272 |
| Net loans and leases to total assets | 66.1956% | 2,853 |
| Net loans and leases to deposits | 71.3712% | 3,749 |
| Net loans and leases to core deposits | 73.5250% | 3,961 |
| Total domestic deposits to total assets | 92.7484% | 82 |
| Equity capital to assets | 4.8344% | 6,463 |
| Core capital (leverage) ratio | 4.9372% | 6,457 |
| Tier 1 risk-based capital ratio | 7.4794% | 6,458 |
| Total risk-based capital ratio | 8.7324% | 6,459 |
| Memoranda: | ||
| Average total assets | $114,391,400 | 4,290 |
| Average earning assets | $97,650,400 | 4,459 |
| Average equity | $5,661,000 | 5,699 |
| Average total loans | $76,090,600 | 3,991 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 1,179 |
| Cost of funding earning assets | 0.4162% | 3,624 |
| Net interest margin | 4.3429% | 968 |
| Noninterest income to average assets | 1.0817% | 1,038 |
| Noninterest expense to average assets | 5.7265% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.9146% | 6,451 |
| Return on assets (ROA) | -0.9006% | 6,449 |
| Pretax return on assets | -0.9006% | 6,438 |
| Return on Equity (ROE) | -18.0968% | 6,498 |
| Retained earnings to average equity (ytd only) | -18.0968% | 6,474 |
| Net charge-offs to loans | 0.0052% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -262.6600% | 4,692 |
| Efficiency ratio | 116.6908% | 152 |
| Assets per employee ($millions) | 2.1536% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 2,730 |
| Loan loss allowance to noncurrent loans | 27.1035% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 8.0402% | 131 |
| Noncurrent loans to loans | 5.5227% | 284 |
| Net loans and leases to total assets | 64.6317% | 3,084 |
| Net loans and leases to deposits | 69.7542% | 3,946 |
| Net loans and leases to core deposits | 71.8278% | 4,167 |
| Total domestic deposits to total assets | 92.6563% | 104 |
| Equity capital to assets | 4.5848% | 6,535 |
| Core capital (leverage) ratio | 4.7420% | 6,535 |
| Tier 1 risk-based capital ratio | 7.5639% | 6,522 |
| Total risk-based capital ratio | 8.7973% | 6,522 |
| Memoranda: | ||
| Average total assets | $114,878,250 | 4,320 |
| Average earning assets | $98,672,500 | 4,478 |
| Average equity | $5,717,250 | 5,738 |
| Average total loans | $76,225,250 | 4,026 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8654% | 970 |
| Cost of funding earning assets | 0.4191% | 3,672 |
| Net interest margin | 4.4463% | 785 |
| Noninterest income to average assets | 1.7199% | 439 |
| Noninterest expense to average assets | 5.7729% | 199 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2380% | 6,338 |
| Return on assets (ROA) | -0.2380% | 6,351 |
| Pretax return on assets | -0.2380% | 6,332 |
| Return on Equity (ROE) | -4.6609% | 6,423 |
| Retained earnings to average equity (ytd only) | -4.6609% | 6,210 |
| Net charge-offs to loans | 0.0157% | 3,918 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -22.8333% | 4,339 |
| Efficiency ratio | 101.5694% | 366 |
| Assets per employee ($millions) | 2.0913% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 2,792 |
| Loan loss allowance to noncurrent loans | 31.4045% | 5,741 |
| Noncurrent assets plus other real estate owned to assets | 7.7977% | 143 |
| Noncurrent loans to loans | 4.8477% | 427 |
| Net loans and leases to total assets | 62.8746% | 3,261 |
| Net loans and leases to deposits | 68.1792% | 4,030 |
| Net loans and leases to core deposits | 70.1854% | 4,248 |
| Total domestic deposits to total assets | 92.2197% | 146 |
| Equity capital to assets | 5.1147% | 6,581 |
| Core capital (leverage) ratio | 5.2122% | 6,576 |
| Tier 1 risk-based capital ratio | 8.5856% | 6,557 |
| Total risk-based capital ratio | 9.8397% | 6,559 |
| Memoranda: | ||
| Average total assets | $115,124,670 | 4,350 |
| Average earning assets | $98,778,330 | 4,502 |
| Average equity | $5,878,670 | 5,742 |
| Average total loans | $76,670,000 | 4,020 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7879% | 1,073 |
| Cost of funding earning assets | 0.4250% | 3,699 |
| Net interest margin | 4.3630% | 869 |
| Noninterest income to average assets | 1.9657% | 346 |
| Noninterest expense to average assets | 5.6678% | 220 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0417% | 6,145 |
| Return on assets (ROA) | 0.0417% | 6,164 |
| Pretax return on assets | 0.0417% | 6,165 |
| Return on Equity (ROE) | 0.8168% | 6,075 |
| Retained earnings to average equity (ytd only) | 0.8168% | 5,267 |
| Net charge-offs to loans | 0.0358% | 2,888 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 3,032 |
| Efficiency ratio | 97.9927% | 545 |
| Assets per employee ($millions) | 2.0451% | 6,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 3,444 |
| Loan loss allowance to noncurrent loans | 33.0963% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 7.9136% | 170 |
| Noncurrent loans to loans | 4.3334% | 582 |
| Net loans and leases to total assets | 67.0305% | 2,387 |
| Net loans and leases to deposits | 72.1505% | 3,319 |
| Net loans and leases to core deposits | 74.4874% | 3,593 |
| Total domestic deposits to total assets | 92.9037% | 125 |
| Equity capital to assets | 5.2129% | 6,621 |
| Core capital (leverage) ratio | 5.4697% | 6,624 |
| Tier 1 risk-based capital ratio | 8.4747% | 6,613 |
| Total risk-based capital ratio | 9.7274% | 6,616 |
| Memoranda: | ||
| Average total assets | $115,176,500 | 4,386 |
| Average earning assets | $98,831,500 | 4,545 |
| Average equity | $5,876,500 | 5,778 |
| Average total loans | $78,286,500 | 3,990 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 1,359 |
| Cost of funding earning assets | 0.4905% | 3,701 |
| Net interest margin | 4.2929% | 1,124 |
| Noninterest income to average assets | 2.0692% | 374 |
| Noninterest expense to average assets | 5.5077% | 244 |
| Loan and lease loss provision to assets | 0.0414% | 4,288 |
| Net operating income to assets | 0.2245% | 5,763 |
| Return on assets (ROA) | 0.2750% | 5,692 |
| Pretax return on assets | 0.2750% | 5,794 |
| Return on Equity (ROE) | 5.6178% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.6178% | 2,202 |
| Net charge-offs to loans | 1.1660% | 462 |
| Credit loss provision to net charge-offs | 5.1125% | 4,647 |
| Earnings coverage of net charge-offs (x) | 0.3282% | 4,973 |
| Efficiency ratio | 94.7202% | 712 |
| Assets per employee ($millions) | 2.2275% | 6,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 3,517 |
| Loan loss allowance to noncurrent loans | 36.6482% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 7.7312% | 205 |
| Noncurrent loans to loans | 3.8976% | 754 |
| Net loans and leases to total assets | 66.9660% | 2,525 |
| Net loans and leases to deposits | 72.5981% | 3,444 |
| Net loans and leases to core deposits | 74.7574% | 3,763 |
| Total domestic deposits to total assets | 92.2420% | 244 |
| Equity capital to assets | 4.9927% | 6,692 |
| Core capital (leverage) ratio | 5.4057% | 6,695 |
| Tier 1 risk-based capital ratio | 8.5724% | 6,680 |
| Total risk-based capital ratio | 9.8254% | 6,678 |
| Memoranda: | ||
| Average total assets | $120,722,800 | 4,263 |
| Average earning assets | $104,172,200 | 4,403 |
| Average equity | $5,909,800 | 5,842 |
| Average total loans | $83,878,200 | 3,828 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 1,742 |
| Cost of funding earning assets | 0.5065% | 3,711 |
| Net interest margin | 4.1482% | 1,488 |
| Noninterest income to average assets | 2.2621% | 345 |
| Noninterest expense to average assets | 5.4066% | 264 |
| Loan and lease loss provision to assets | 0.0273% | 4,462 |
| Net operating income to assets | 0.4100% | 5,210 |
| Return on assets (ROA) | 0.4767% | 5,057 |
| Pretax return on assets | 0.4767% | 5,429 |
| Return on Equity (ROE) | 9.7841% | 2,267 |
| Retained earnings to average equity (ytd only) | 9.7841% | 833 |
| Net charge-offs to loans | 1.5591% | 286 |
| Credit loss provision to net charge-offs | 2.5100% | 4,310 |
| Earnings coverage of net charge-offs (x) | 0.4016% | 4,725 |
| Efficiency ratio | 91.9551% | 858 |
| Assets per employee ($millions) | 2.3769% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 4,433 |
| Loan loss allowance to noncurrent loans | 30.5023% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 7.9095% | 226 |
| Noncurrent loans to loans | 4.2371% | 810 |
| Net loans and leases to total assets | 69.4703% | 2,052 |
| Net loans and leases to deposits | 75.4811% | 3,026 |
| Net loans and leases to core deposits | 77.3089% | 3,457 |
| Total domestic deposits to total assets | 92.0367% | 243 |
| Equity capital to assets | 5.0452% | 6,770 |
| Core capital (leverage) ratio | 5.3202% | 6,769 |
| Tier 1 risk-based capital ratio | 8.3249% | 6,754 |
| Total risk-based capital ratio | 9.5766% | 6,756 |
| Memoranda: | ||
| Average total assets | $121,946,250 | 4,278 |
| Average earning assets | $105,296,250 | 4,421 |
| Average equity | $5,941,500 | 5,909 |
| Average total loans | $85,175,250 | 3,832 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4431% | 2,406 |
| Cost of funding earning assets | 0.5240% | 3,663 |
| Net interest margin | 3.9190% | 2,151 |
| Noninterest income to average assets | 2.1955% | 391 |
| Noninterest expense to average assets | 5.1016% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4749% | 4,903 |
| Return on assets (ROA) | 0.5741% | 4,601 |
| Pretax return on assets | 0.5741% | 5,116 |
| Return on Equity (ROE) | 11.9190% | 1,518 |
| Retained earnings to average equity (ytd only) | 11.9190% | 508 |
| Net charge-offs to loans | 2.3014% | 173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.2961% | 4,445 |
| Efficiency ratio | 90.8136% | 996 |
| Assets per employee ($millions) | 2.6620% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 4,752 |
| Loan loss allowance to noncurrent loans | 30.3790% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 8.0533% | 249 |
| Noncurrent loans to loans | 4.1018% | 935 |
| Net loans and leases to total assets | 70.5243% | 1,798 |
| Net loans and leases to deposits | 76.4645% | 2,811 |
| Net loans and leases to core deposits | 77.9244% | 3,300 |
| Total domestic deposits to total assets | 92.2314% | 216 |
| Equity capital to assets | 5.0096% | 6,825 |
| Core capital (leverage) ratio | 5.2099% | 6,813 |
| Tier 1 risk-based capital ratio | 8.1103% | 6,799 |
| Total risk-based capital ratio | 9.3621% | 6,802 |
| Memoranda: | ||
| Average total assets | $122,980,000 | 4,279 |
| Average earning assets | $106,097,330 | 4,430 |
| Average equity | $5,923,330 | 5,952 |
| Average total loans | $85,686,000 | 3,831 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 3,208 |
| Cost of funding earning assets | 0.5412% | 3,660 |
| Net interest margin | 3.6803% | 2,948 |
| Noninterest income to average assets | 1.7724% | 514 |
| Noninterest expense to average assets | 4.7875% | 429 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1509% | 6,038 |
| Return on assets (ROA) | 0.2858% | 5,729 |
| Pretax return on assets | 0.2858% | 5,884 |
| Return on Equity (ROE) | 6.0498% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.0498% | 2,658 |
| Net charge-offs to loans | 4.7437% | 50 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0462% | 3,811 |
| Efficiency ratio | 96.2939% | 718 |
| Assets per employee ($millions) | 2.6853% | 6,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 5,116 |
| Loan loss allowance to noncurrent loans | 22.1699% | 6,291 |
| Noncurrent assets plus other real estate owned to assets | 10.8120% | 163 |
| Noncurrent loans to loans | 5.4757% | 660 |
| Net loans and leases to total assets | 69.7661% | 1,700 |
| Net loans and leases to deposits | 75.3724% | 2,722 |
| Net loans and leases to core deposits | 77.1449% | 3,188 |
| Total domestic deposits to total assets | 92.5619% | 167 |
| Equity capital to assets | 4.8809% | 6,897 |
| Core capital (leverage) ratio | 4.8386% | 6,888 |
| Tier 1 risk-based capital ratio | 7.5158% | 6,877 |
| Total risk-based capital ratio | 8.7659% | 6,878 |
| Memoranda: | ||
| Average total assets | $124,575,000 | 4,292 |
| Average earning assets | $107,166,500 | 4,442 |
| Average equity | $5,884,500 | 6,014 |
| Average total loans | $85,755,500 | 3,846 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4650% | 3,547 |
| Cost of funding earning assets | 0.7413% | 3,149 |
| Net interest margin | 3.7237% | 3,548 |
| Noninterest income to average assets | 1.0957% | 1,288 |
| Noninterest expense to average assets | 4.2244% | 748 |
| Loan and lease loss provision to assets | 0.0392% | 5,379 |
| Net operating income to assets | 0.0980% | 6,015 |
| Return on assets (ROA) | 0.1922% | 5,975 |
| Pretax return on assets | 0.1922% | 6,001 |
| Return on Equity (ROE) | 4.4329% | 4,962 |
| Retained earnings to average equity (ytd only) | 4.4329% | 3,116 |
| Net charge-offs to loans | 1.1910% | 848 |
| Credit loss provision to net charge-offs | 4.7939% | 5,450 |
| Earnings coverage of net charge-offs (x) | 0.1678% | 5,403 |
| Efficiency ratio | 96.7092% | 678 |
| Assets per employee ($millions) | 3.1296% | 5,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 1,265 |
| Loan loss allowance to noncurrent loans | 32.2591% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 10.1144% | 216 |
| Noncurrent loans to loans | 7.3818% | 416 |
| Net loans and leases to total assets | 65.5582% | 2,600 |
| Net loans and leases to deposits | 74.5221% | 3,020 |
| Net loans and leases to core deposits | 76.0680% | 3,523 |
| Total domestic deposits to total assets | 87.9715% | 2,255 |
| Equity capital to assets | 4.5756% | 6,975 |
| Core capital (leverage) ratio | 4.7302% | 6,949 |
| Tier 1 risk-based capital ratio | 7.8542% | 6,920 |
| Total risk-based capital ratio | 9.1221% | 6,921 |
| Memoranda: | ||
| Average total assets | $127,496,400 | 4,202 |
| Average earning assets | $111,825,200 | 4,296 |
| Average equity | $5,526,800 | 6,136 |
| Average total loans | $87,576,400 | 3,810 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 4,061 |
| Cost of funding earning assets | 0.7681% | 3,208 |
| Net interest margin | 3.6293% | 4,105 |
| Noninterest income to average assets | 0.5719% | 3,459 |
| Noninterest expense to average assets | 4.0179% | 916 |
| Loan and lease loss provision to assets | 0.0524% | 5,100 |
| Net operating income to assets | -0.3111% | 6,580 |
| Return on assets (ROA) | -0.2346% | 6,590 |
| Pretax return on assets | -0.2346% | 6,558 |
| Return on Equity (ROE) | -5.4893% | 6,734 |
| Retained earnings to average equity (ytd only) | -5.4893% | 6,643 |
| Net charge-offs to loans | 1.2389% | 777 |
| Credit loss provision to net charge-offs | 6.1200% | 5,120 |
| Earnings coverage of net charge-offs (x) | -0.3023% | 5,448 |
| Efficiency ratio | 106.8821% | 362 |
| Assets per employee ($millions) | 2.9876% | 6,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6485% | 1,036 |
| Loan loss allowance to noncurrent loans | 31.4945% | 6,065 |
| Noncurrent assets plus other real estate owned to assets | 10.9248% | 196 |
| Noncurrent loans to loans | 8.4093% | 358 |
| Net loans and leases to total assets | 68.3587% | 2,238 |
| Net loans and leases to deposits | 73.7063% | 3,338 |
| Net loans and leases to core deposits | 75.2253% | 3,820 |
| Total domestic deposits to total assets | 92.7448% | 133 |
| Equity capital to assets | 4.4346% | 7,080 |
| Core capital (leverage) ratio | 4.3885% | 7,063 |
| Tier 1 risk-based capital ratio | 6.8851% | 7,056 |
| Total risk-based capital ratio | 8.1546% | 7,055 |
| Memoranda: | ||
| Average total assets | $127,292,500 | 4,244 |
| Average earning assets | $111,790,750 | 4,344 |
| Average equity | $5,440,750 | 6,233 |
| Average total loans | $87,927,750 | 3,840 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3028% | 4,559 |
| Cost of funding earning assets | 0.7862% | 3,312 |
| Net interest margin | 3.5166% | 4,599 |
| Noninterest income to average assets | 0.4484% | 4,305 |
| Noninterest expense to average assets | 3.9211% | 1,045 |
| Loan and lease loss provision to assets | 0.0776% | 4,644 |
| Net operating income to assets | -0.4546% | 6,711 |
| Return on assets (ROA) | -0.3693% | 6,710 |
| Pretax return on assets | -0.3693% | 6,679 |
| Return on Equity (ROE) | -8.7441% | 6,878 |
| Retained earnings to average equity (ytd only) | -8.7441% | 6,796 |
| Net charge-offs to loans | 1.8879% | 462 |
| Credit loss provision to net charge-offs | 5.9809% | 4,772 |
| Earnings coverage of net charge-offs (x) | -0.2907% | 5,186 |
| Efficiency ratio | 110.6392% | 321 |
| Assets per employee ($millions) | 3.1892% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6861% | 1,054 |
| Loan loss allowance to noncurrent loans | 32.1383% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 10.5200% | 237 |
| Noncurrent loans to loans | 8.3578% | 395 |
| Net loans and leases to total assets | 64.1566% | 3,000 |
| Net loans and leases to deposits | 70.4320% | 3,833 |
| Net loans and leases to core deposits | 71.8480% | 4,313 |
| Total domestic deposits to total assets | 91.0901% | 418 |
| Equity capital to assets | 4.1602% | 7,134 |
| Core capital (leverage) ratio | 4.2858% | 7,109 |
| Tier 1 risk-based capital ratio | 6.9843% | 7,094 |
| Total risk-based capital ratio | 8.2539% | 7,092 |
| Memoranda: | ||
| Average total assets | $128,892,670 | 4,234 |
| Average earning assets | $113,460,670 | 4,318 |
| Average equity | $5,443,670 | 6,257 |
| Average total loans | $88,566,330 | 3,837 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 4,589 |
| Cost of funding earning assets | 0.8082% | 3,407 |
| Net interest margin | 3.5268% | 4,577 |
| Noninterest income to average assets | 0.9633% | 1,526 |
| Noninterest expense to average assets | 4.0508% | 878 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0247% | 6,374 |
| Return on assets (ROA) | 0.1945% | 6,149 |
| Pretax return on assets | 0.1945% | 6,216 |
| Return on Equity (ROE) | 4.5718% | 5,003 |
| Retained earnings to average equity (ytd only) | 4.5718% | 3,840 |
| Net charge-offs to loans | 2.1146% | 432 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.0167% | 4,361 |
| Efficiency ratio | 99.3939% | 575 |
| Assets per employee ($millions) | 3.1229% | 5,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0191% | 816 |
| Loan loss allowance to noncurrent loans | 33.7102% | 5,983 |
| Noncurrent assets plus other real estate owned to assets | 10.8202% | 255 |
| Noncurrent loans to loans | 8.9560% | 381 |
| Net loans and leases to total assets | 62.7941% | 3,096 |
| Net loans and leases to deposits | 70.6043% | 3,638 |
| Net loans and leases to core deposits | 71.2869% | 4,256 |
| Total domestic deposits to total assets | 88.9381% | 1,737 |
| Equity capital to assets | 4.2329% | 7,170 |
| Core capital (leverage) ratio | 4.4312% | 7,153 |
| Tier 1 risk-based capital ratio | 7.3591% | 7,115 |
| Total risk-based capital ratio | 8.6353% | 7,116 |
| Memoranda: | ||
| Average total assets | $129,556,000 | 4,243 |
| Average earning assets | $114,324,000 | 4,329 |
| Average equity | $5,512,000 | 6,272 |
| Average total loans | $90,799,000 | 3,805 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8400% | 3,623 |
| Cost of funding earning assets | 1.0422% | 3,079 |
| Net interest margin | 3.7978% | 3,824 |
| Noninterest income to average assets | -0.2613% | 7,183 |
| Noninterest expense to average assets | 3.6349% | 1,673 |
| Loan and lease loss provision to assets | 0.5642% | 1,851 |
| Net operating income to assets | -1.1268% | 6,796 |
| Return on assets (ROA) | -0.7156% | 6,646 |
| Pretax return on assets | -0.7156% | 6,604 |
| Return on Equity (ROE) | -13.2620% | 6,843 |
| Retained earnings to average equity (ytd only) | -13.2620% | 6,819 |
| Net charge-offs to loans | 1.4169% | 1,153 |
| Credit loss provision to net charge-offs | 52.3542% | 5,370 |
| Earnings coverage of net charge-offs (x) | -0.5221% | 6,087 |
| Efficiency ratio | 118.3140% | 320 |
| Assets per employee ($millions) | 3.0464% | 5,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1498% | 711 |
| Loan loss allowance to noncurrent loans | 29.1723% | 6,245 |
| Noncurrent assets plus other real estate owned to assets | 12.4611% | 189 |
| Noncurrent loans to loans | 10.7973% | 275 |
| Net loans and leases to total assets | 73.1747% | 1,416 |
| Net loans and leases to deposits | 82.4893% | 2,135 |
| Net loans and leases to core deposits | 83.4956% | 2,955 |
| Total domestic deposits to total assets | 88.7081% | 1,712 |
| Equity capital to assets | 4.2767% | 7,206 |
| Core capital (leverage) ratio | 4.3738% | 7,185 |
| Tier 1 risk-based capital ratio | 6.4424% | 7,185 |
| Total risk-based capital ratio | 7.7199% | 7,184 |
| Memoranda: | ||
| Average total assets | $132,052,400 | 4,129 |
| Average earning assets | $115,908,200 | 4,242 |
| Average equity | $7,125,600 | 5,832 |
| Average total loans | $100,432,000 | 3,606 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8930% | 3,594 |
| Cost of funding earning assets | 1.0913% | 3,036 |
| Net interest margin | 3.8017% | 3,877 |
| Noninterest income to average assets | 0.1954% | 6,198 |
| Noninterest expense to average assets | 3.6459% | 1,612 |
| Loan and lease loss provision to assets | 0.2405% | 3,603 |
| Net operating income to assets | -0.3577% | 6,549 |
| Return on assets (ROA) | 0.1713% | 5,898 |
| Pretax return on assets | 0.1713% | 5,948 |
| Return on Equity (ROE) | 3.0241% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.0241% | 4,531 |
| Net charge-offs to loans | 1.6980% | 814 |
| Credit loss provision to net charge-offs | 18.5902% | 5,579 |
| Earnings coverage of net charge-offs (x) | -0.0906% | 5,653 |
| Efficiency ratio | 103.3220% | 573 |
| Assets per employee ($millions) | 3.6609% | 4,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8572% | 2,759 |
| Loan loss allowance to noncurrent loans | 16.3667% | 6,783 |
| Noncurrent assets plus other real estate owned to assets | 12.5196% | 208 |
| Noncurrent loans to loans | 11.3476% | 268 |
| Net loans and leases to total assets | 73.2952% | 1,456 |
| Net loans and leases to deposits | 84.1314% | 1,978 |
| Net loans and leases to core deposits | 85.3460% | 2,865 |
| Total domestic deposits to total assets | 87.1200% | 2,576 |
| Equity capital to assets | 5.8341% | 7,203 |
| Core capital (leverage) ratio | 5.7786% | 7,158 |
| Tier 1 risk-based capital ratio | 8.2523% | 7,171 |
| Total risk-based capital ratio | 9.5111% | 7,174 |
| Memoranda: | ||
| Average total assets | $133,078,000 | 4,128 |
| Average earning assets | $116,681,750 | 4,232 |
| Average equity | $7,539,000 | 5,738 |
| Average total loans | $101,372,000 | 3,614 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9256% | 3,511 |
| Cost of funding earning assets | 1.1491% | 2,907 |
| Net interest margin | 3.7765% | 3,903 |
| Noninterest income to average assets | 0.4165% | 4,540 |
| Noninterest expense to average assets | 3.7691% | 1,399 |
| Loan and lease loss provision to assets | 0.0899% | 5,195 |
| Net operating income to assets | -0.1438% | 6,409 |
| Return on assets (ROA) | 0.3625% | 5,258 |
| Pretax return on assets | 0.3625% | 5,508 |
| Return on Equity (ROE) | 6.4628% | 3,729 |
| Retained earnings to average equity (ytd only) | 6.4628% | 2,163 |
| Net charge-offs to loans | 1.8973% | 715 |
| Credit loss provision to net charge-offs | 6.1792% | 5,282 |
| Earnings coverage of net charge-offs (x) | -0.0371% | 5,308 |
| Efficiency ratio | 101.4516% | 682 |
| Assets per employee ($millions) | 3.6818% | 4,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9662% | 2,465 |
| Loan loss allowance to noncurrent loans | 18.7393% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 12.0977% | 259 |
| Noncurrent loans to loans | 10.4922% | 351 |
| Net loans and leases to total assets | 74.0309% | 1,411 |
| Net loans and leases to deposits | 85.0392% | 1,942 |
| Net loans and leases to core deposits | 86.8117% | 2,783 |
| Total domestic deposits to total assets | 87.0551% | 2,711 |
| Equity capital to assets | 5.9345% | 7,253 |
| Core capital (leverage) ratio | 5.7607% | 7,230 |
| Tier 1 risk-based capital ratio | 8.2152% | 7,235 |
| Total risk-based capital ratio | 9.4760% | 7,236 |
| Memoranda: | ||
| Average total assets | $133,506,330 | 4,154 |
| Average earning assets | $116,616,000 | 4,262 |
| Average equity | $7,489,000 | 5,773 |
| Average total loans | $102,354,000 | 3,619 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8839% | 3,670 |
| Cost of funding earning assets | 1.2098% | 2,750 |
| Net interest margin | 3.6740% | 4,232 |
| Noninterest income to average assets | 0.3642% | 4,999 |
| Noninterest expense to average assets | 3.8362% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2717% | 6,632 |
| Return on assets (ROA) | 0.4986% | 4,580 |
| Pretax return on assets | 0.4986% | 5,032 |
| Return on Equity (ROE) | 9.1501% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.1501% | 1,333 |
| Net charge-offs to loans | 3.4633% | 291 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.1016% | 4,641 |
| Efficiency ratio | 107.6214% | 545 |
| Assets per employee ($millions) | 3.7542% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9529% | 2,534 |
| Loan loss allowance to noncurrent loans | 18.6635% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 12.1324% | 259 |
| Noncurrent loans to loans | 10.4640% | 368 |
| Net loans and leases to total assets | 73.6633% | 1,396 |
| Net loans and leases to deposits | 84.3302% | 1,976 |
| Net loans and leases to core deposits | 86.5554% | 2,795 |
| Total domestic deposits to total assets | 87.3511% | 2,737 |
| Equity capital to assets | 5.7166% | 7,318 |
| Core capital (leverage) ratio | 5.6880% | 7,296 |
| Tier 1 risk-based capital ratio | 8.1706% | 7,283 |
| Total risk-based capital ratio | 9.4292% | 7,286 |
| Memoranda: | ||
| Average total assets | $133,986,500 | 4,174 |
| Average earning assets | $116,711,000 | 4,281 |
| Average equity | $7,300,500 | 5,844 |
| Average total loans | $103,484,500 | 3,631 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9432% | 4,819 |
| Cost of funding earning assets | 1.5836% | 2,170 |
| Net interest margin | 3.3596% | 5,759 |
| Noninterest income to average assets | -0.0303% | 7,337 |
| Noninterest expense to average assets | 3.5818% | 1,971 |
| Loan and lease loss provision to assets | 1.9137% | 705 |
| Net operating income to assets | -2.4880% | 7,172 |
| Return on assets (ROA) | -2.4880% | 7,190 |
| Pretax return on assets | -2.4916% | 7,161 |
| Return on Equity (ROE) | -34.1631% | 7,283 |
| Retained earnings to average equity (ytd only) | -34.1631% | 7,273 |
| Net charge-offs to loans | 1.7641% | 1,202 |
| Credit loss provision to net charge-offs | 135.1654% | 2,882 |
| Earnings coverage of net charge-offs (x) | -0.4081% | 6,412 |
| Efficiency ratio | 119.2372% | 413 |
| Assets per employee ($millions) | 2.6044% | 6,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5313% | 590 |
| Loan loss allowance to noncurrent loans | 30.4515% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 12.9127% | 233 |
| Noncurrent loans to loans | 11.5963% | 318 |
| Net loans and leases to total assets | 76.5733% | 1,165 |
| Net loans and leases to deposits | 87.3366% | 1,889 |
| Net loans and leases to core deposits | 89.5411% | 2,827 |
| Total domestic deposits to total assets | 87.6761% | 2,437 |
| Equity capital to assets | 5.1761% | 7,423 |
| Core capital (leverage) ratio | 4.9213% | 7,423 |
| Tier 1 risk-based capital ratio | 7.0652% | 7,414 |
| Total risk-based capital ratio | 8.3483% | 7,415 |
| Memoranda: | ||
| Average total assets | $138,786,000 | 4,077 |
| Average earning assets | $125,344,000 | 4,121 |
| Average equity | $10,107,400 | 5,102 |
| Average total loans | $111,389,800 | 3,514 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9189% | 5,181 |
| Cost of funding earning assets | 1.6330% | 2,195 |
| Net interest margin | 3.2859% | 6,065 |
| Noninterest income to average assets | -0.0048% | 7,458 |
| Noninterest expense to average assets | 3.4274% | 2,214 |
| Loan and lease loss provision to assets | 2.5121% | 414 |
| Net operating income to assets | -1.7536% | 7,176 |
| Return on assets (ROA) | -1.7536% | 7,188 |
| Pretax return on assets | -2.9626% | 7,408 |
| Return on Equity (ROE) | -22.5362% | 7,268 |
| Retained earnings to average equity (ytd only) | -22.5362% | 7,254 |
| Net charge-offs to loans | 2.2856% | 780 |
| Credit loss provision to net charge-offs | 136.5891% | 2,926 |
| Earnings coverage of net charge-offs (x) | -0.2450% | 6,208 |
| Efficiency ratio | 115.1341% | 447 |
| Assets per employee ($millions) | 2.7521% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6753% | 1,108 |
| Loan loss allowance to noncurrent loans | 25.7004% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 11.2931% | 313 |
| Noncurrent loans to loans | 10.4095% | 389 |
| Net loans and leases to total assets | 76.8796% | 1,242 |
| Net loans and leases to deposits | 89.5525% | 1,777 |
| Net loans and leases to core deposits | 91.9730% | 2,804 |
| Total domestic deposits to total assets | 85.8487% | 3,157 |
| Equity capital to assets | 7.1748% | 7,282 |
| Core capital (leverage) ratio | 6.5496% | 7,321 |
| Tier 1 risk-based capital ratio | 9.1070% | 7,346 |
| Total risk-based capital ratio | 10.3780% | 7,355 |
| Memoranda: | ||
| Average total assets | $140,276,750 | 4,106 |
| Average earning assets | $127,289,250 | 4,128 |
| Average equity | $10,915,500 | 4,945 |
| Average total loans | $112,879,750 | 3,532 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8662% | 5,553 |
| Cost of funding earning assets | 1.6752% | 2,260 |
| Net interest margin | 3.1910% | 6,344 |
| Noninterest income to average assets | 0.4746% | 4,322 |
| Noninterest expense to average assets | 3.4413% | 2,163 |
| Loan and lease loss provision to assets | 0.4264% | 3,193 |
| Net operating income to assets | -0.2182% | 6,377 |
| Return on assets (ROA) | -0.2182% | 6,422 |
| Pretax return on assets | -0.4732% | 6,564 |
| Return on Equity (ROE) | -2.7346% | 6,493 |
| Retained earnings to average equity (ytd only) | -2.7346% | 6,259 |
| Net charge-offs to loans | 0.5898% | 2,757 |
| Credit loss provision to net charge-offs | 89.3175% | 4,442 |
| Earnings coverage of net charge-offs (x) | -0.0979% | 5,801 |
| Efficiency ratio | 101.3773% | 757 |
| Assets per employee ($millions) | 2.7433% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 2,341 |
| Loan loss allowance to noncurrent loans | 16.0868% | 7,111 |
| Noncurrent assets plus other real estate owned to assets | 11.3724% | 302 |
| Noncurrent loans to loans | 11.9963% | 289 |
| Net loans and leases to total assets | 78.6018% | 1,022 |
| Net loans and leases to deposits | 91.4976% | 1,613 |
| Net loans and leases to core deposits | 93.9072% | 2,730 |
| Total domestic deposits to total assets | 85.9058% | 3,145 |
| Equity capital to assets | 8.2754% | 6,455 |
| Core capital (leverage) ratio | 7.9504% | 6,326 |
| Tier 1 risk-based capital ratio | 10.6507% | 6,567 |
| Total risk-based capital ratio | 11.9111% | 6,553 |
| Memoranda: | ||
| Average total assets | $141,167,000 | 4,116 |
| Average earning assets | $129,176,330 | 4,108 |
| Average equity | $11,263,000 | 4,863 |
| Average total loans | $114,273,330 | 3,527 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 6,355 |
| Cost of funding earning assets | 1.7333% | 2,216 |
| Net interest margin | 2.9328% | 6,965 |
| Noninterest income to average assets | 0.2539% | 6,116 |
| Noninterest expense to average assets | 3.2356% | 2,740 |
| Loan and lease loss provision to assets | 0.0705% | 5,931 |
| Net operating income to assets | -0.1467% | 6,478 |
| Return on assets (ROA) | -0.1467% | 6,555 |
| Pretax return on assets | -0.3554% | 6,689 |
| Return on Equity (ROE) | -1.8729% | 6,625 |
| Retained earnings to average equity (ytd only) | -1.8729% | 6,194 |
| Net charge-offs to loans | 0.3086% | 3,181 |
| Credit loss provision to net charge-offs | 28.0899% | 4,845 |
| Earnings coverage of net charge-offs (x) | -1.1348% | 5,400 |
| Efficiency ratio | 109.6558% | 610 |
| Assets per employee ($millions) | 2.7905% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8556% | 2,556 |
| Loan loss allowance to noncurrent loans | 19.6324% | 7,034 |
| Noncurrent assets plus other real estate owned to assets | 8.6750% | 531 |
| Noncurrent loans to loans | 9.4516% | 471 |
| Net loans and leases to total assets | 79.3841% | 926 |
| Net loans and leases to deposits | 92.2261% | 1,582 |
| Net loans and leases to core deposits | 95.0721% | 2,692 |
| Total domestic deposits to total assets | 86.0755% | 3,114 |
| Equity capital to assets | 8.2141% | 6,419 |
| Core capital (leverage) ratio | 7.9307% | 6,339 |
| Tier 1 risk-based capital ratio | 10.4809% | 6,649 |
| Total risk-based capital ratio | 11.7396% | 6,631 |
| Memoranda: | ||
| Average total assets | $141,796,000 | 4,160 |
| Average earning assets | $130,388,500 | 4,144 |
| Average equity | $11,105,500 | 4,951 |
| Average total loans | $115,342,500 | 3,559 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8538% | 2,426 |
| Cost of funding earning assets | 2.0384% | 2,780 |
| Net interest margin | 3.8154% | 3,643 |
| Noninterest income to average assets | 0.3801% | 5,373 |
| Noninterest expense to average assets | 3.1828% | 3,434 |
| Loan and lease loss provision to assets | 1.7963% | 1,261 |
| Net operating income to assets | -1.0999% | 6,641 |
| Return on assets (ROA) | -0.9808% | 6,569 |
| Pretax return on assets | -0.9702% | 6,391 |
| Return on Equity (ROE) | -11.9241% | 6,760 |
| Retained earnings to average equity (ytd only) | -11.9241% | 6,675 |
| Net charge-offs to loans | 0.4427% | 4,023 |
| Credit loss provision to net charge-offs | 522.2680% | 582 |
| Earnings coverage of net charge-offs (x) | 2.0557% | 4,183 |
| Efficiency ratio | 81.8232% | 2,628 |
| Assets per employee ($millions) | 2.6656% | 6,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6235% | 1,101 |
| Loan loss allowance to noncurrent loans | 40.5673% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 5.5629% | 1,053 |
| Noncurrent loans to loans | 6.4670% | 931 |
| Net loans and leases to total assets | 79.6602% | 1,051 |
| Net loans and leases to deposits | 93.1191% | 1,721 |
| Net loans and leases to core deposits | 129.9763% | 1,287 |
| Total domestic deposits to total assets | 85.5466% | 3,264 |
| Equity capital to assets | 7.4472% | 7,081 |
| Core capital (leverage) ratio | 7.1936% | 7,077 |
| Tier 1 risk-based capital ratio | 9.5553% | 7,195 |
| Total risk-based capital ratio | 10.8290% | 7,163 |
| Memoranda: | ||
| Average total assets | $141,009,000 | 4,106 |
| Average earning assets | $129,711,200 | 4,093 |
| Average equity | $11,598,400 | 4,842 |
| Average total loans | $109,544,200 | 3,709 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9298% | 2,320 |
| Cost of funding earning assets | 2.1053% | 2,868 |
| Net interest margin | 3.8245% | 3,558 |
| Noninterest income to average assets | 0.3226% | 5,897 |
| Noninterest expense to average assets | 3.2693% | 3,036 |
| Loan and lease loss provision to assets | 0.9053% | 2,123 |
| Net operating income to assets | -0.1350% | 5,957 |
| Return on assets (ROA) | -0.0539% | 5,858 |
| Pretax return on assets | -0.2110% | 5,994 |
| Return on Equity (ROE) | -0.6404% | 5,876 |
| Retained earnings to average equity (ytd only) | -0.6404% | 5,390 |
| Net charge-offs to loans | 0.0901% | 5,786 |
| Credit loss provision to net charge-offs | 1,310.9589% | 297 |
| Earnings coverage of net charge-offs (x) | 8.2193% | 2,287 |
| Efficiency ratio | 85.2071% | 2,158 |
| Assets per employee ($millions) | 2.7730% | 6,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 2,919 |
| Loan loss allowance to noncurrent loans | 29.9791% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 4.6491% | 1,296 |
| Noncurrent loans to loans | 5.4008% | 1,168 |
| Net loans and leases to total assets | 80.2572% | 1,125 |
| Net loans and leases to deposits | 95.9864% | 1,581 |
| Net loans and leases to core deposits | 133.6430% | 1,230 |
| Total domestic deposits to total assets | 83.6131% | 3,896 |
| Equity capital to assets | 8.4342% | 6,338 |
| Core capital (leverage) ratio | 8.0056% | 6,344 |
| Tier 1 risk-based capital ratio | 10.7316% | 6,221 |
| Total risk-based capital ratio | 11.9874% | 6,183 |
| Memoranda: | ||
| Average total assets | $140,942,500 | 4,119 |
| Average earning assets | $129,511,500 | 4,113 |
| Average equity | $11,867,750 | 4,831 |
| Average total loans | $108,037,250 | 3,774 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8975% | 2,591 |
| Cost of funding earning assets | 2.1775% | 2,902 |
| Net interest margin | 3.7200% | 3,877 |
| Noninterest income to average assets | 0.3452% | 5,743 |
| Noninterest expense to average assets | 3.2632% | 3,107 |
| Loan and lease loss provision to assets | 1.3595% | 1,273 |
| Net operating income to assets | -0.4612% | 6,508 |
| Return on assets (ROA) | -0.4376% | 6,493 |
| Pretax return on assets | -0.8282% | 6,698 |
| Return on Equity (ROE) | -5.1993% | 6,632 |
| Retained earnings to average equity (ytd only) | -5.1993% | 6,331 |
| Net charge-offs to loans | 0.0985% | 5,183 |
| Credit loss provision to net charge-offs | 1,840.3846% | 287 |
| Earnings coverage of net charge-offs (x) | 6.6923% | 2,564 |
| Efficiency ratio | 86.8431% | 2,137 |
| Assets per employee ($millions) | 2.7880% | 6,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 2,260 |
| Loan loss allowance to noncurrent loans | 37.4802% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 3.9046% | 1,538 |
| Noncurrent loans to loans | 4.5989% | 1,390 |
| Net loans and leases to total assets | 75.7451% | 2,248 |
| Net loans and leases to deposits | 88.1900% | 3,140 |
| Net loans and leases to core deposits | 119.0617% | 2,451 |
| Total domestic deposits to total assets | 85.8886% | 2,843 |
| Equity capital to assets | 8.1384% | 6,582 |
| Core capital (leverage) ratio | 7.8342% | 6,571 |
| Tier 1 risk-based capital ratio | 10.7448% | 6,143 |
| Total risk-based capital ratio | 12.0015% | 6,070 |
| Memoranda: | ||
| Average total assets | $140,782,000 | 4,159 |
| Average earning assets | $129,139,330 | 4,152 |
| Average equity | $11,847,670 | 4,859 |
| Average total loans | $105,592,670 | 3,871 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9124% | 2,739 |
| Cost of funding earning assets | 2.2136% | 3,100 |
| Net interest margin | 3.6988% | 3,895 |
| Noninterest income to average assets | 0.2684% | 6,295 |
| Noninterest expense to average assets | 3.1468% | 3,199 |
| Loan and lease loss provision to assets | 0.2656% | 3,841 |
| Net operating income to assets | 0.2031% | 5,649 |
| Return on assets (ROA) | 0.2627% | 5,594 |
| Pretax return on assets | 0.3027% | 5,673 |
| Return on Equity (ROE) | 3.0704% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.0704% | 4,168 |
| Net charge-offs to loans | 0.1390% | 3,847 |
| Credit loss provision to net charge-offs | 258.3333% | 1,826 |
| Earnings coverage of net charge-offs (x) | 4.8611% | 2,798 |
| Efficiency ratio | 86.2960% | 2,039 |
| Assets per employee ($millions) | 2.6399% | 6,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,292 |
| Loan loss allowance to noncurrent loans | 28.2804% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 3.5741% | 1,489 |
| Noncurrent loans to loans | 3.4715% | 1,835 |
| Net loans and leases to total assets | 73.6509% | 2,853 |
| Net loans and leases to deposits | 86.6901% | 3,523 |
| Net loans and leases to core deposits | 115.4657% | 2,853 |
| Total domestic deposits to total assets | 84.9588% | 3,227 |
| Equity capital to assets | 8.4690% | 6,121 |
| Core capital (leverage) ratio | 8.3883% | 5,735 |
| Tier 1 risk-based capital ratio | 11.2191% | 5,683 |
| Total risk-based capital ratio | 12.2244% | 5,828 |
| Memoranda: | ||
| Average total assets | $140,078,000 | 4,184 |
| Average earning assets | $127,934,500 | 4,192 |
| Average equity | $11,985,500 | 4,839 |
| Average total loans | $103,593,500 | 3,946 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4699% | 3,116 |
| Cost of funding earning assets | 2.7605% | 2,876 |
| Net interest margin | 3.7095% | 4,432 |
| Noninterest income to average assets | 0.4839% | 4,765 |
| Noninterest expense to average assets | 3.2226% | 3,247 |
| Loan and lease loss provision to assets | 0.1195% | 5,836 |
| Net operating income to assets | 0.4036% | 5,132 |
| Return on assets (ROA) | 0.4253% | 4,872 |
| Pretax return on assets | 0.5373% | 4,889 |
| Return on Equity (ROE) | 4.9913% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.4686% | 2,347 |
| Net charge-offs to loans | 0.5573% | 2,150 |
| Credit loss provision to net charge-offs | 29.8701% | 6,528 |
| Earnings coverage of net charge-offs (x) | 1.5733% | 5,306 |
| Efficiency ratio | 83.6609% | 2,096 |
| Assets per employee ($millions) | 2.6462% | 6,898 |
| Cash dividends to net income (ytd only)* | 10.4712% | 4,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 6,253 |
| Loan loss allowance to noncurrent loans | 34.6601% | 6,424 |
| Noncurrent assets plus other real estate owned to assets | 3.5189% | 1,265 |
| Noncurrent loans to loans | 2.8066% | 1,934 |
| Net loans and leases to total assets | 72.7967% | 3,411 |
| Net loans and leases to deposits | 86.7444% | 3,998 |
| Net loans and leases to core deposits | 112.5836% | 3,500 |
| Total domestic deposits to total assets | 83.9209% | 3,361 |
| Equity capital to assets | 8.6467% | 5,872 |
| Core capital (leverage) ratio | 8.6110% | 5,359 |
| Tier 1 risk-based capital ratio | 11.4648% | 5,270 |
| Total risk-based capital ratio | 12.4437% | 5,430 |
| Memoranda: | ||
| Average total assets | $134,736,000 | 4,192 |
| Average earning assets | $122,334,800 | 4,205 |
| Average equity | $11,480,000 | 4,977 |
| Average total loans | $96,717,000 | 4,042 |