Home > Unity National Bank of Houston > Performance and Condition Ratios
Unity National Bank of Houston, 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 | 5.4614% | 1,222 |
| Cost of funding earning assets | 2.0019% | 913 |
| Net interest margin | 3.4595% | 2,277 |
| Noninterest income to average assets | 22.1000% | 71 |
| Noninterest expense to average assets | 22.9146% | 68 |
| Loan and lease loss provision to assets | -0.0700% | 4,476 |
| Net operating income to assets | 2.4897% | 242 |
| Return on assets (ROA) | 2.4897% | 236 |
| Pretax return on assets | 2.4897% | 345 |
| Return on Equity (ROE) | 21.5800% | 493 |
| Retained earnings to average equity (ytd only) | 21.3050% | 117 |
| Net charge-offs to loans | 0.0840% | 1,024 |
| Credit loss provision to net charge-offs | -163.3333% | 4,494 |
| Earnings coverage of net charge-offs (x) | 53.9556% | 1,249 |
| Efficiency ratio | 90.4601% | 399 |
| Assets per employee ($millions) | 4.9765% | 3,657 |
| Cash dividends to net income (ytd only)* | 1.2592% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 434 |
| Loan loss allowance to noncurrent loans | 40.9600% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 2.3922% | 100 |
| Noncurrent loans to loans | 4.7118% | 60 |
| Net loans and leases to total assets | 49.7900% | 3,609 |
| Net loans and leases to deposits | 58.1824% | 3,627 |
| Net loans and leases to core deposits | 75.0278% | 3,026 |
| Total domestic deposits to total assets | 85.5800% | 2,140 |
| Equity capital to assets | 12.7857% | 905 |
| Core capital (leverage) ratio | 19.4179% | 282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0387% | 242 |
| Memoranda: | ||
| Average total assets | $200,946,400 | 2,987 |
| Average earning assets | $187,425,200 | 2,963 |
| Average equity | $23,187,000 | 2,615 |
| Average total loans | $107,199,600 | 3,104 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9909% | 1,843 |
| Cost of funding earning assets | 1.9069% | 852 |
| Net interest margin | 3.0840% | 3,168 |
| Noninterest income to average assets | 23.0300% | 68 |
| Noninterest expense to average assets | 23.9972% | 67 |
| Loan and lease loss provision to assets | -0.1000% | 4,540 |
| Net operating income to assets | 2.0107% | 494 |
| Return on assets (ROA) | 2.0107% | 484 |
| Pretax return on assets | 2.0107% | 743 |
| Return on Equity (ROE) | 17.9300% | 958 |
| Retained earnings to average equity (ytd only) | 17.5579% | 361 |
| Net charge-offs to loans | 0.0012% | 2,569 |
| Credit loss provision to net charge-offs | -14,800.0000% | 4,633 |
| Earnings coverage of net charge-offs (x) | 2,852.0000% | 41 |
| Efficiency ratio | 92.6221% | 302 |
| Assets per employee ($millions) | 4.3666% | 4,016 |
| Cash dividends to net income (ytd only)* | 2.1000% | 2,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1243% | 331 |
| Loan loss allowance to noncurrent loans | 236.0221% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 1,173 |
| Noncurrent loans to loans | 0.9000% | 915 |
| Net loans and leases to total assets | 53.6600% | 3,387 |
| Net loans and leases to deposits | 63.3645% | 3,299 |
| Net loans and leases to core deposits | 83.0372% | 2,391 |
| Total domestic deposits to total assets | 84.6900% | 2,601 |
| Equity capital to assets | 12.7402% | 863 |
| Core capital (leverage) ratio | 18.1680% | 341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5067% | 225 |
| Memoranda: | ||
| Average total assets | $198,929,500 | 3,003 |
| Average earning assets | $185,427,750 | 2,986 |
| Average equity | $22,302,750 | 2,665 |
| Average total loans | $107,470,500 | 3,097 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 2,207 |
| Cost of funding earning assets | 1.6985% | 886 |
| Net interest margin | 3.0011% | 3,429 |
| Noninterest income to average assets | 23.9300% | 64 |
| Noninterest expense to average assets | 24.9614% | 62 |
| Loan and lease loss provision to assets | -0.1900% | 4,606 |
| Net operating income to assets | 1.9627% | 493 |
| Return on assets (ROA) | 1.9627% | 492 |
| Pretax return on assets | 1.9627% | 785 |
| Return on Equity (ROE) | 18.2500% | 922 |
| Retained earnings to average equity (ytd only) | 17.6776% | 357 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.3832% | 272 |
| Assets per employee ($millions) | 5.0231% | 3,580 |
| Cash dividends to net income (ytd only)* | 3.1453% | 2,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0219% | 402 |
| Loan loss allowance to noncurrent loans | 218.8679% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4748% | 1,140 |
| Noncurrent loans to loans | 0.9238% | 832 |
| Net loans and leases to total assets | 50.3600% | 3,537 |
| Net loans and leases to deposits | 63.7138% | 3,211 |
| Net loans and leases to core deposits | 68.3224% | 3,220 |
| Total domestic deposits to total assets | 79.0400% | 3,715 |
| Equity capital to assets | 11.5124% | 1,200 |
| Core capital (leverage) ratio | 17.1713% | 390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8194% | 244 |
| Memoranda: | ||
| Average total assets | $204,107,333 | 2,974 |
| Average earning assets | $190,398,333 | 2,958 |
| Average equity | $21,948,667 | 2,701 |
| Average total loans | $109,777,333 | 3,057 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 2,297 |
| Cost of funding earning assets | 1.5596% | 752 |
| Net interest margin | 2.9503% | 3,693 |
| Noninterest income to average assets | 24.3500% | 68 |
| Noninterest expense to average assets | 25.4293% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6762% | 858 |
| Return on assets (ROA) | 1.6762% | 856 |
| Pretax return on assets | 1.6762% | 1,326 |
| Return on Equity (ROE) | 16.1400% | 1,328 |
| Retained earnings to average equity (ytd only) | 16.1442% | 677 |
| Net charge-offs to loans | 0.0106% | 1,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 287.3333% | 377 |
| Efficiency ratio | 93.8159% | 265 |
| Assets per employee ($millions) | 4.8805% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1208% | 367 |
| Loan loss allowance to noncurrent loans | 131.7552% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8450% | 554 |
| Noncurrent loans to loans | 1.6097% | 401 |
| Net loans and leases to total assets | 51.3800% | 3,392 |
| Net loans and leases to deposits | 63.9593% | 3,090 |
| Net loans and leases to core deposits | 68.4021% | 3,064 |
| Total domestic deposits to total assets | 80.3300% | 3,724 |
| Equity capital to assets | 10.8214% | 1,412 |
| Core capital (leverage) ratio | 16.0826% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4834% | 286 |
| Memoranda: | ||
| Average total assets | $205,699,500 | 2,994 |
| Average earning assets | $191,847,500 | 2,986 |
| Average equity | $21,357,500 | 2,765 |
| Average total loans | $113,032,000 | 3,062 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 2,620 |
| Cost of funding earning assets | 0.4537% | 1,695 |
| Net interest margin | 3.2141% | 2,831 |
| Noninterest income to average assets | 18.8300% | 76 |
| Noninterest expense to average assets | 20.3008% | 69 |
| Loan and lease loss provision to assets | 0.2600% | 356 |
| Net operating income to assets | 1.2917% | 1,464 |
| Return on assets (ROA) | 1.2917% | 1,422 |
| Pretax return on assets | 1.2917% | 2,116 |
| Return on Equity (ROE) | 14.0800% | 1,512 |
| Retained earnings to average equity (ytd only) | 14.0803% | 374 |
| Net charge-offs to loans | 0.0056% | 2,221 |
| Credit loss provision to net charge-offs | 8,571.4286% | 85 |
| Earnings coverage of net charge-offs (x) | 518.5714% | 326 |
| Efficiency ratio | 92.9171% | 243 |
| Assets per employee ($millions) | 4.9147% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9289% | 493 |
| Loan loss allowance to noncurrent loans | 104.7204% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.0571% | 402 |
| Noncurrent loans to loans | 1.8419% | 320 |
| Net loans and leases to total assets | 56.2800% | 3,001 |
| Net loans and leases to deposits | 63.5643% | 3,074 |
| Net loans and leases to core deposits | 70.7261% | 2,821 |
| Total domestic deposits to total assets | 88.5500% | 1,864 |
| Equity capital to assets | 9.9473% | 1,733 |
| Core capital (leverage) ratio | 15.5674% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0166% | 331 |
| Memoranda: | ||
| Average total assets | $234,572,200 | 2,824 |
| Average earning assets | $219,970,000 | 2,803 |
| Average equity | $21,519,400 | 2,813 |
| Average total loans | $124,972,800 | 2,880 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4137% | 2,879 |
| Cost of funding earning assets | 0.3721% | 1,505 |
| Net interest margin | 3.0416% | 3,111 |
| Noninterest income to average assets | 18.6300% | 77 |
| Noninterest expense to average assets | 19.9286% | 71 |
| Loan and lease loss provision to assets | 0.3300% | 200 |
| Net operating income to assets | 1.2206% | 1,625 |
| Return on assets (ROA) | 1.2206% | 1,600 |
| Pretax return on assets | 1.2206% | 2,286 |
| Return on Equity (ROE) | 13.5400% | 1,553 |
| Retained earnings to average equity (ytd only) | 13.5380% | 534 |
| Net charge-offs to loans | 0.1127% | 557 |
| Credit loss provision to net charge-offs | 560.7477% | 572 |
| Earnings coverage of net charge-offs (x) | 26.2804% | 1,588 |
| Efficiency ratio | 92.7764% | 258 |
| Assets per employee ($millions) | 4.8772% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8167% | 709 |
| Loan loss allowance to noncurrent loans | 50.3108% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 2.0238% | 126 |
| Noncurrent loans to loans | 3.6110% | 112 |
| Net loans and leases to total assets | 55.0300% | 3,000 |
| Net loans and leases to deposits | 64.7018% | 2,809 |
| Net loans and leases to core deposits | 66.9593% | 2,881 |
| Total domestic deposits to total assets | 85.0500% | 3,272 |
| Equity capital to assets | 9.0075% | 2,211 |
| Core capital (leverage) ratio | 12.2417% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8804% | 388 |
| Memoranda: | ||
| Average total assets | $241,630,000 | 2,794 |
| Average earning assets | $226,457,000 | 2,780 |
| Average equity | $21,785,000 | 2,840 |
| Average total loans | $126,600,000 | 2,862 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2725% | 2,821 |
| Cost of funding earning assets | 0.3070% | 1,664 |
| Net interest margin | 2.9655% | 2,987 |
| Noninterest income to average assets | 18.8621% | 37 |
| Noninterest expense to average assets | 19.9991% | 37 |
| Loan and lease loss provision to assets | 0.4788% | 110 |
| Net operating income to assets | 1.1594% | 1,570 |
| Return on assets (ROA) | 1.1594% | 1,550 |
| Pretax return on assets | 1.1594% | 2,210 |
| Return on Equity (ROE) | 12.8565% | 1,419 |
| Retained earnings to average equity (ytd only) | 12.8565% | 481 |
| Net charge-offs to loans | 0.1538% | 418 |
| Credit loss provision to net charge-offs | 606.0606% | 561 |
| Earnings coverage of net charge-offs (x) | 20.7374% | 1,540 |
| Efficiency ratio | 92.4288% | 333 |
| Assets per employee ($millions) | 5.2476% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7537% | 871 |
| Loan loss allowance to noncurrent loans | 40.8837% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 2.1749% | 111 |
| Noncurrent loans to loans | 4.2895% | 83 |
| Net loans and leases to total assets | 49.8129% | 3,393 |
| Net loans and leases to deposits | 55.5434% | 3,419 |
| Net loans and leases to core deposits | 57.2680% | 3,475 |
| Total domestic deposits to total assets | 89.6828% | 1,852 |
| Equity capital to assets | 8.4290% | 2,816 |
| Core capital (leverage) ratio | 11.5976% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8231% | 551 |
| Memoranda: | ||
| Average total assets | $250,640,667 | 2,773 |
| Average earning assets | $234,560,667 | 2,758 |
| Average equity | $22,603,333 | 2,846 |
| Average total loans | $128,709,667 | 2,859 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1937% | 2,709 |
| Cost of funding earning assets | 0.2305% | 2,392 |
| Net interest margin | 2.9632% | 2,628 |
| Noninterest income to average assets | 17.2576% | 38 |
| Noninterest expense to average assets | 18.3912% | 39 |
| Loan and lease loss provision to assets | 0.6333% | 68 |
| Net operating income to assets | 1.0418% | 1,717 |
| Return on assets (ROA) | 1.0418% | 1,714 |
| Pretax return on assets | 1.0418% | 2,316 |
| Return on Equity (ROE) | 11.1950% | 1,548 |
| Retained earnings to average equity (ytd only) | 11.1950% | 745 |
| Net charge-offs to loans | 0.4014% | 168 |
| Credit loss provision to net charge-offs | 305.3435% | 657 |
| Earnings coverage of net charge-offs (x) | 8.0763% | 1,522 |
| Efficiency ratio | 91.6522% | 477 |
| Assets per employee ($millions) | 5.2388% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 1,371 |
| Loan loss allowance to noncurrent loans | 40.7862% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.9120% | 158 |
| Noncurrent loans to loans | 3.8327% | 109 |
| Net loans and leases to total assets | 49.1072% | 3,267 |
| Net loans and leases to deposits | 54.6297% | 3,366 |
| Net loans and leases to core deposits | 56.2871% | 3,426 |
| Total domestic deposits to total assets | 89.8911% | 1,628 |
| Equity capital to assets | 8.8494% | 2,842 |
| Core capital (leverage) ratio | 10.6321% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2484% | 417 |
| Memoranda: | ||
| Average total assets | $252,642,500 | 2,769 |
| Average earning assets | $239,474,000 | 2,741 |
| Average equity | $23,510,500 | 2,869 |
| Average total loans | $130,539,500 | 2,845 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 1,620 |
| Cost of funding earning assets | 0.2383% | 3,062 |
| Net interest margin | 3.6600% | 1,317 |
| Noninterest income to average assets | 9.7773% | 65 |
| Noninterest expense to average assets | 11.8407% | 60 |
| Loan and lease loss provision to assets | 0.5325% | 101 |
| Net operating income to assets | 0.9074% | 3,009 |
| Return on assets (ROA) | 0.9156% | 3,045 |
| Pretax return on assets | 0.9156% | 3,468 |
| Return on Equity (ROE) | 9.6508% | 2,660 |
| Retained earnings to average equity (ytd only) | 9.6508% | 1,003 |
| Net charge-offs to loans | 0.5840% | 141 |
| Credit loss provision to net charge-offs | 142.4205% | 1,529 |
| Earnings coverage of net charge-offs (x) | 3.8509% | 2,519 |
| Efficiency ratio | 89.1577% | 353 |
| Assets per employee ($millions) | 6.0434% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,633 |
| Loan loss allowance to noncurrent loans | 46.6501% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 1.4289% | 304 |
| Noncurrent loans to loans | 2.6741% | 246 |
| Net loans and leases to total assets | 52.7691% | 2,980 |
| Net loans and leases to deposits | 59.3532% | 3,135 |
| Net loans and leases to core deposits | 61.6513% | 3,196 |
| Total domestic deposits to total assets | 88.9068% | 1,565 |
| Equity capital to assets | 9.7580% | 2,887 |
| Core capital (leverage) ratio | 10.6318% | 1,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $218,762,000 | 2,915 |
| Average earning assets | $209,400,800 | 2,878 |
| Average equity | $20,754,800 | 3,152 |
| Average total loans | $140,069,800 | 2,724 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0481% | 1,429 |
| Cost of funding earning assets | 0.2426% | 3,190 |
| Net interest margin | 3.8055% | 1,108 |
| Noninterest income to average assets | 8.5313% | 81 |
| Noninterest expense to average assets | 10.7529% | 67 |
| Loan and lease loss provision to assets | 0.6062% | 82 |
| Net operating income to assets | 0.8171% | 3,481 |
| Return on assets (ROA) | 0.8171% | 3,555 |
| Pretax return on assets | 0.8171% | 3,860 |
| Return on Equity (ROE) | 8.6877% | 3,202 |
| Retained earnings to average equity (ytd only) | 8.6877% | 1,810 |
| Net charge-offs to loans | 0.8245% | 83 |
| Credit loss provision to net charge-offs | 109.3929% | 1,522 |
| Earnings coverage of net charge-offs (x) | 2.5682% | 2,343 |
| Efficiency ratio | 88.3095% | 364 |
| Assets per employee ($millions) | 6.5395% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,015 |
| Loan loss allowance to noncurrent loans | 30.1947% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.9532% | 197 |
| Noncurrent loans to loans | 3.1373% | 201 |
| Net loans and leases to total assets | 61.6675% | 2,046 |
| Net loans and leases to deposits | 69.7337% | 2,264 |
| Net loans and leases to core deposits | 72.5849% | 2,368 |
| Total domestic deposits to total assets | 88.4329% | 1,608 |
| Equity capital to assets | 10.0999% | 2,806 |
| Core capital (leverage) ratio | 10.4531% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $209,996,750 | 3,021 |
| Average earning assets | $201,141,250 | 2,978 |
| Average equity | $19,751,500 | 3,275 |
| Average total loans | $141,179,250 | 2,751 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 1,065 |
| Cost of funding earning assets | 0.2489% | 3,290 |
| Net interest margin | 4.0148% | 796 |
| Noninterest income to average assets | 3.1815% | 170 |
| Noninterest expense to average assets | 5.8161% | 132 |
| Loan and lease loss provision to assets | 0.6020% | 76 |
| Net operating income to assets | 0.6311% | 3,915 |
| Return on assets (ROA) | 0.6311% | 3,975 |
| Pretax return on assets | 0.6311% | 4,188 |
| Return on Equity (ROE) | 6.9161% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.9161% | 2,459 |
| Net charge-offs to loans | 0.7984% | 103 |
| Credit loss provision to net charge-offs | 108.8929% | 1,313 |
| Earnings coverage of net charge-offs (x) | 2.2305% | 2,139 |
| Efficiency ratio | 82.5078% | 634 |
| Assets per employee ($millions) | 6.1509% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 4,274 |
| Loan loss allowance to noncurrent loans | 47.1105% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.3389% | 469 |
| Noncurrent loans to loans | 1.8156% | 569 |
| Net loans and leases to total assets | 70.9978% | 1,082 |
| Net loans and leases to deposits | 80.7673% | 1,358 |
| Net loans and leases to core deposits | 83.8683% | 1,574 |
| Total domestic deposits to total assets | 87.9042% | 1,884 |
| Equity capital to assets | 10.5188% | 2,379 |
| Core capital (leverage) ratio | 11.2512% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $199,341,667 | 3,107 |
| Average earning assets | $192,038,000 | 3,048 |
| Average equity | $18,189,333 | 3,411 |
| Average total loans | $138,026,000 | 2,804 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 2,154 |
| Cost of funding earning assets | 0.2558% | 3,422 |
| Net interest margin | 3.5250% | 1,762 |
| Noninterest income to average assets | 0.6846% | 1,916 |
| Noninterest expense to average assets | 3.1616% | 760 |
| Loan and lease loss provision to assets | 0.7019% | 76 |
| Net operating income to assets | 0.2440% | 4,600 |
| Return on assets (ROA) | 0.2440% | 4,620 |
| Pretax return on assets | 0.2440% | 4,648 |
| Return on Equity (ROE) | 2.9515% | 4,481 |
| Retained earnings to average equity (ytd only) | 2.9515% | 3,799 |
| Net charge-offs to loans | 0.8146% | 98 |
| Credit loss provision to net charge-offs | 126.9531% | 1,028 |
| Earnings coverage of net charge-offs (x) | 1.7109% | 1,837 |
| Efficiency ratio | 76.9716% | 1,039 |
| Assets per employee ($millions) | 6.6847% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,807 |
| Loan loss allowance to noncurrent loans | 28.8925% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 2.6617% | 135 |
| Noncurrent loans to loans | 3.4880% | 193 |
| Net loans and leases to total assets | 74.2066% | 795 |
| Net loans and leases to deposits | 82.9213% | 1,255 |
| Net loans and leases to core deposits | 87.8437% | 1,380 |
| Total domestic deposits to total assets | 89.4904% | 1,068 |
| Equity capital to assets | 9.8909% | 2,807 |
| Core capital (leverage) ratio | 10.6099% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $185,221,000 | 3,205 |
| Average earning assets | $179,857,000 | 3,129 |
| Average equity | $15,314,500 | 3,656 |
| Average total loans | $125,700,500 | 2,952 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 423 |
| Cost of funding earning assets | 0.7261% | 1,583 |
| Net interest margin | 4.3620% | 444 |
| Noninterest income to average assets | 0.3109% | 3,623 |
| Noninterest expense to average assets | 4.0171% | 378 |
| Loan and lease loss provision to assets | 0.2678% | 1,439 |
| Net operating income to assets | 0.2473% | 4,502 |
| Return on assets (ROA) | 0.2473% | 4,566 |
| Pretax return on assets | 0.2473% | 4,608 |
| Return on Equity (ROE) | 3.0650% | 4,362 |
| Retained earnings to average equity (ytd only) | 3.0650% | 3,318 |
| Net charge-offs to loans | 0.0061% | 3,123 |
| Credit loss provision to net charge-offs | 5,900.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 113.5000% | 729 |
| Efficiency ratio | 88.6348% | 425 |
| Assets per employee ($millions) | 6.3197% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,885 |
| Loan loss allowance to noncurrent loans | 27.8468% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 2.6835% | 158 |
| Noncurrent loans to loans | 4.3477% | 118 |
| Net loans and leases to total assets | 59.8832% | 2,877 |
| Net loans and leases to deposits | 81.2395% | 1,736 |
| Net loans and leases to core deposits | 85.3904% | 1,918 |
| Total domestic deposits to total assets | 73.7120% | 4,648 |
| Equity capital to assets | 6.6110% | 4,948 |
| Core capital (leverage) ratio | 9.4647% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5386% | 2,790 |
| Memoranda: | ||
| Average total assets | $132,209,800 | 3,603 |
| Average earning assets | $127,947,200 | 3,532 |
| Average equity | $10,668,800 | 4,127 |
| Average total loans | $97,768,800 | 3,265 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3598% | 306 |
| Cost of funding earning assets | 0.9433% | 920 |
| Net interest margin | 4.4165% | 458 |
| Noninterest income to average assets | 0.3435% | 3,418 |
| Noninterest expense to average assets | 4.3368% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2577% | 4,512 |
| Return on assets (ROA) | 0.2577% | 4,556 |
| Pretax return on assets | 0.2577% | 4,597 |
| Return on Equity (ROE) | 2.9627% | 4,396 |
| Retained earnings to average equity (ytd only) | 2.9627% | 3,538 |
| Net charge-offs to loans | 0.0071% | 2,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 46.2000% | 1,252 |
| Efficiency ratio | 94.3918% | 249 |
| Assets per employee ($millions) | 4.3099% | 4,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,842 |
| Loan loss allowance to noncurrent loans | 33.4119% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 2.2880% | 251 |
| Noncurrent loans to loans | 2.8793% | 336 |
| Net loans and leases to total assets | 76.4340% | 1,042 |
| Net loans and leases to deposits | 84.3119% | 1,881 |
| Net loans and leases to core deposits | 87.2420% | 2,211 |
| Total domestic deposits to total assets | 90.6562% | 244 |
| Equity capital to assets | 8.2405% | 4,613 |
| Core capital (leverage) ratio | 8.2344% | 4,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,533,250 | 3,742 |
| Average earning assets | $115,050,500 | 3,680 |
| Average equity | $10,395,500 | 4,173 |
| Average total loans | $94,437,750 | 3,340 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 315 |
| Cost of funding earning assets | 1.0158% | 942 |
| Net interest margin | 4.5266% | 475 |
| Noninterest income to average assets | 0.3466% | 3,398 |
| Noninterest expense to average assets | 4.4531% | 264 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2473% | 4,510 |
| Return on assets (ROA) | 0.2473% | 4,551 |
| Pretax return on assets | 0.2473% | 4,591 |
| Return on Equity (ROE) | 2.7869% | 4,388 |
| Retained earnings to average equity (ytd only) | 2.7869% | 3,464 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7388% | 277 |
| Assets per employee ($millions) | 4.3493% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 3,779 |
| Loan loss allowance to noncurrent loans | 14.4158% | 4,489 |
| Noncurrent assets plus other real estate owned to assets | 5.3679% | 48 |
| Noncurrent loans to loans | 6.6260% | 64 |
| Net loans and leases to total assets | 79.2298% | 692 |
| Net loans and leases to deposits | 86.9206% | 1,669 |
| Net loans and leases to core deposits | 92.9366% | 1,821 |
| Total domestic deposits to total assets | 91.1519% | 124 |
| Equity capital to assets | 7.9675% | 4,734 |
| Core capital (leverage) ratio | 8.2102% | 4,625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,841,667 | 3,789 |
| Average earning assets | $110,459,000 | 3,730 |
| Average equity | $10,190,667 | 4,200 |
| Average total loans | $91,545,667 | 3,384 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 910 |
| Cost of funding earning assets | 1.1826% | 819 |
| Net interest margin | 3.8484% | 1,827 |
| Noninterest income to average assets | 0.3999% | 3,106 |
| Noninterest expense to average assets | 4.3580% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2728% | 4,878 |
| Return on assets (ROA) | -0.2728% | 4,852 |
| Pretax return on assets | -0.2728% | 4,840 |
| Return on Equity (ROE) | -2.8945% | 4,867 |
| Retained earnings to average equity (ytd only) | -2.8945% | 4,343 |
| Net charge-offs to loans | 0.0047% | 2,412 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -73.0000% | 2,564 |
| Efficiency ratio | 106.6789% | 166 |
| Assets per employee ($millions) | 3.5968% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 2,977 |
| Loan loss allowance to noncurrent loans | 26.5388% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 3.5596% | 127 |
| Noncurrent loans to loans | 4.3033% | 164 |
| Net loans and leases to total assets | 79.9008% | 708 |
| Net loans and leases to deposits | 88.4876% | 1,696 |
| Net loans and leases to core deposits | 104.9418% | 1,121 |
| Total domestic deposits to total assets | 90.2961% | 239 |
| Equity capital to assets | 9.3175% | 4,376 |
| Core capital (leverage) ratio | 8.6809% | 4,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7105% | 2,837 |
| Memoranda: | ||
| Average total assets | $107,022,500 | 3,886 |
| Average earning assets | $102,483,000 | 3,844 |
| Average equity | $10,088,000 | 4,231 |
| Average total loans | $85,130,500 | 3,496 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2624% | 885 |
| Cost of funding earning assets | 1.3478% | 666 |
| Net interest margin | 3.9146% | 2,120 |
| Noninterest income to average assets | 1.0252% | 918 |
| Noninterest expense to average assets | 5.0012% | 217 |
| Loan and lease loss provision to assets | 0.3529% | 430 |
| Net operating income to assets | -0.6622% | 5,068 |
| Return on assets (ROA) | -0.6561% | 5,075 |
| Pretax return on assets | -0.6561% | 5,072 |
| Return on Equity (ROE) | -7.0732% | 5,101 |
| Retained earnings to average equity (ytd only) | -7.0732% | 5,031 |
| Net charge-offs to loans | 0.3844% | 504 |
| Credit loss provision to net charge-offs | 120.8333% | 2,101 |
| Earnings coverage of net charge-offs (x) | -1.0590% | 3,657 |
| Efficiency ratio | 106.5917% | 119 |
| Assets per employee ($millions) | 3.0326% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,442 |
| Loan loss allowance to noncurrent loans | 40.5043% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 2.3997% | 282 |
| Noncurrent loans to loans | 2.9609% | 325 |
| Net loans and leases to total assets | 77.3054% | 1,204 |
| Net loans and leases to deposits | 85.8258% | 2,114 |
| Net loans and leases to core deposits | 97.2710% | 1,789 |
| Total domestic deposits to total assets | 90.0725% | 302 |
| Equity capital to assets | 9.5365% | 4,321 |
| Core capital (leverage) ratio | 9.8218% | 3,707 |
| Tier 1 risk-based capital ratio | 12.5682% | 4,025 |
| Total risk-based capital ratio | 13.7941% | 3,930 |
| Memoranda: | ||
| Average total assets | $98,615,600 | 4,022 |
| Average earning assets | $92,371,600 | 4,010 |
| Average equity | $9,147,200 | 4,354 |
| Average total loans | $74,926,600 | 3,682 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2782% | 904 |
| Cost of funding earning assets | 1.3646% | 652 |
| Net interest margin | 3.9136% | 2,207 |
| Noninterest income to average assets | 0.5141% | 2,644 |
| Noninterest expense to average assets | 4.3623% | 339 |
| Loan and lease loss provision to assets | 0.4190% | 312 |
| Net operating income to assets | -0.6189% | 5,145 |
| Return on assets (ROA) | -0.6189% | 5,150 |
| Pretax return on assets | -0.6189% | 5,145 |
| Return on Equity (ROE) | -6.7238% | 5,175 |
| Retained earnings to average equity (ytd only) | -6.7238% | 5,104 |
| Net charge-offs to loans | 0.5268% | 318 |
| Credit loss provision to net charge-offs | 105.5556% | 2,155 |
| Earnings coverage of net charge-offs (x) | -0.5035% | 3,389 |
| Efficiency ratio | 104.8013% | 121 |
| Assets per employee ($millions) | 3.1321% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,332 |
| Loan loss allowance to noncurrent loans | 49.4295% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 2.0763% | 404 |
| Noncurrent loans to loans | 2.4892% | 469 |
| Net loans and leases to total assets | 78.7917% | 1,017 |
| Net loans and leases to deposits | 87.2723% | 2,026 |
| Net loans and leases to core deposits | 98.8041% | 1,762 |
| Total domestic deposits to total assets | 90.2826% | 218 |
| Equity capital to assets | 9.1623% | 4,689 |
| Core capital (leverage) ratio | 8.8985% | 4,713 |
| Tier 1 risk-based capital ratio | 12.0052% | 4,414 |
| Total risk-based capital ratio | 13.2547% | 4,305 |
| Memoranda: | ||
| Average total assets | $96,734,500 | 4,096 |
| Average earning assets | $90,180,250 | 4,088 |
| Average equity | $8,903,500 | 4,433 |
| Average total loans | $72,896,250 | 3,762 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 1,022 |
| Cost of funding earning assets | 1.3563% | 628 |
| Net interest margin | 3.8226% | 2,506 |
| Noninterest income to average assets | 0.5154% | 2,589 |
| Noninterest expense to average assets | 5.0510% | 215 |
| Loan and lease loss provision to assets | 0.0911% | 2,034 |
| Net operating income to assets | -1.0909% | 5,229 |
| Return on assets (ROA) | -1.0909% | 5,233 |
| Pretax return on assets | -1.0909% | 5,229 |
| Return on Equity (ROE) | -11.8347% | 5,250 |
| Retained earnings to average equity (ytd only) | -11.8347% | 5,192 |
| Net charge-offs to loans | 0.5884% | 257 |
| Credit loss provision to net charge-offs | 20.9524% | 2,648 |
| Earnings coverage of net charge-offs (x) | -2.3000% | 3,132 |
| Efficiency ratio | 124.6806% | 69 |
| Assets per employee ($millions) | 3.2260% | 4,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 3,609 |
| Loan loss allowance to noncurrent loans | 37.1925% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 2.1429% | 405 |
| Noncurrent loans to loans | 2.6921% | 406 |
| Net loans and leases to total assets | 76.2277% | 1,513 |
| Net loans and leases to deposits | 84.0441% | 2,490 |
| Net loans and leases to core deposits | 95.0050% | 2,155 |
| Total domestic deposits to total assets | 90.6997% | 154 |
| Equity capital to assets | 8.8134% | 4,897 |
| Core capital (leverage) ratio | 8.8589% | 4,748 |
| Tier 1 risk-based capital ratio | 11.3719% | 4,754 |
| Total risk-based capital ratio | 12.3561% | 4,773 |
| Memoranda: | ||
| Average total assets | $96,614,670 | 4,122 |
| Average earning assets | $89,363,670 | 4,129 |
| Average equity | $8,906,000 | 4,455 |
| Average total loans | $71,376,670 | 3,811 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 1,304 |
| Cost of funding earning assets | 1.2902% | 676 |
| Net interest margin | 3.7247% | 2,800 |
| Noninterest income to average assets | 0.5394% | 2,343 |
| Noninterest expense to average assets | 5.1118% | 189 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.1294% | 5,292 |
| Return on assets (ROA) | -1.1294% | 5,289 |
| Pretax return on assets | -1.1294% | 5,284 |
| Return on Equity (ROE) | -11.9750% | 5,308 |
| Retained earnings to average equity (ytd only) | -11.9750% | 5,158 |
| Net charge-offs to loans | -0.0117% | 4,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.3598% | 60 |
| Assets per employee ($millions) | 2.9967% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,026 |
| Loan loss allowance to noncurrent loans | 39.6203% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 2.4715% | 317 |
| Noncurrent loans to loans | 3.3177% | 291 |
| Net loans and leases to total assets | 73.5135% | 1,895 |
| Net loans and leases to deposits | 81.4820% | 2,665 |
| Net loans and leases to core deposits | 88.8059% | 2,608 |
| Total domestic deposits to total assets | 90.2205% | 375 |
| Equity capital to assets | 9.2529% | 4,479 |
| Core capital (leverage) ratio | 9.6582% | 3,962 |
| Tier 1 risk-based capital ratio | 12.3335% | 4,281 |
| Total risk-based capital ratio | 13.5827% | 4,144 |
| Memoranda: | ||
| Average total assets | $94,918,500 | 4,186 |
| Average earning assets | $87,739,000 | 4,186 |
| Average equity | $8,952,000 | 4,469 |
| Average total loans | $68,563,000 | 3,901 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7292% | 1,735 |
| Cost of funding earning assets | 0.8467% | 1,323 |
| Net interest margin | 3.8825% | 2,387 |
| Noninterest income to average assets | 0.6520% | 2,042 |
| Noninterest expense to average assets | 5.9416% | 135 |
| Loan and lease loss provision to assets | 0.0564% | 3,043 |
| Net operating income to assets | -1.7694% | 5,371 |
| Return on assets (ROA) | -1.7694% | 5,369 |
| Pretax return on assets | -1.7694% | 5,363 |
| Return on Equity (ROE) | -16.6844% | 5,374 |
| Retained earnings to average equity (ytd only) | -16.6844% | 5,364 |
| Net charge-offs to loans | 0.0865% | 1,913 |
| Credit loss provision to net charge-offs | 89.6552% | 2,723 |
| Earnings coverage of net charge-offs (x) | -27.2241% | 3,764 |
| Efficiency ratio | 140.5080% | 35 |
| Assets per employee ($millions) | 2.9357% | 5,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 1,536 |
| Loan loss allowance to noncurrent loans | 32.0561% | 4,609 |
| Noncurrent assets plus other real estate owned to assets | 3.1115% | 190 |
| Noncurrent loans to loans | 4.4496% | 143 |
| Net loans and leases to total assets | 68.9301% | 2,741 |
| Net loans and leases to deposits | 76.5860% | 3,310 |
| Net loans and leases to core deposits | 86.6473% | 2,870 |
| Total domestic deposits to total assets | 90.0035% | 479 |
| Equity capital to assets | 9.6133% | 4,034 |
| Core capital (leverage) ratio | 10.3518% | 3,198 |
| Tier 1 risk-based capital ratio | 13.7160% | 3,430 |
| Total risk-based capital ratio | 14.9673% | 3,355 |
| Memoranda: | ||
| Average total assets | $92,180,000 | 4,234 |
| Average earning assets | $84,919,200 | 4,236 |
| Average equity | $9,775,600 | 4,338 |
| Average total loans | $67,068,600 | 3,935 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 1,761 |
| Cost of funding earning assets | 0.8035% | 1,318 |
| Net interest margin | 3.8690% | 2,406 |
| Noninterest income to average assets | 0.6744% | 1,960 |
| Noninterest expense to average assets | 6.0503% | 131 |
| Loan and lease loss provision to assets | 0.0756% | 2,449 |
| Net operating income to assets | -1.8894% | 5,447 |
| Return on assets (ROA) | -1.8894% | 5,444 |
| Pretax return on assets | -1.8894% | 5,440 |
| Return on Equity (ROE) | -17.3995% | 5,451 |
| Retained earnings to average equity (ytd only) | -17.3995% | 5,435 |
| Net charge-offs to loans | 0.0119% | 2,987 |
| Credit loss provision to net charge-offs | 866.6667% | 459 |
| Earnings coverage of net charge-offs (x) | -207.9950% | 3,486 |
| Efficiency ratio | 142.8130% | 29 |
| Assets per employee ($millions) | 2.4195% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,207 |
| Loan loss allowance to noncurrent loans | 29.3472% | 4,758 |
| Noncurrent assets plus other real estate owned to assets | 3.7644% | 140 |
| Noncurrent loans to loans | 5.2651% | 110 |
| Net loans and leases to total assets | 70.3928% | 2,583 |
| Net loans and leases to deposits | 78.9024% | 3,155 |
| Net loans and leases to core deposits | 89.3263% | 2,716 |
| Total domestic deposits to total assets | 89.2149% | 769 |
| Equity capital to assets | 10.3494% | 3,283 |
| Core capital (leverage) ratio | 10.8563% | 2,724 |
| Tier 1 risk-based capital ratio | 14.8466% | 2,948 |
| Total risk-based capital ratio | 16.0996% | 2,869 |
| Memoranda: | ||
| Average total assets | $91,739,250 | 4,284 |
| Average earning assets | $84,464,000 | 4,288 |
| Average equity | $9,961,750 | 4,344 |
| Average total loans | $67,412,750 | 3,961 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6995% | 1,515 |
| Cost of funding earning assets | 0.7746% | 1,261 |
| Net interest margin | 3.9249% | 2,124 |
| Noninterest income to average assets | 0.5926% | 2,363 |
| Noninterest expense to average assets | 6.0165% | 135 |
| Loan and lease loss provision to assets | 0.1125% | 1,760 |
| Net operating income to assets | -1.9204% | 5,506 |
| Return on assets (ROA) | -1.9204% | 5,500 |
| Pretax return on assets | -1.9204% | 5,497 |
| Return on Equity (ROE) | -17.4220% | 5,503 |
| Retained earnings to average equity (ytd only) | -17.4220% | 5,484 |
| Net charge-offs to loans | 0.0204% | 2,470 |
| Credit loss provision to net charge-offs | 742.8571% | 538 |
| Earnings coverage of net charge-offs (x) | -119.4286% | 3,204 |
| Efficiency ratio | 142.9599% | 39 |
| Assets per employee ($millions) | 2.2541% | 5,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4677% | 1,493 |
| Loan loss allowance to noncurrent loans | 32.9114% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 3.4582% | 183 |
| Noncurrent loans to loans | 4.4596% | 177 |
| Net loans and leases to total assets | 73.5643% | 2,019 |
| Net loans and leases to deposits | 82.8870% | 2,673 |
| Net loans and leases to core deposits | 90.6119% | 2,521 |
| Total domestic deposits to total assets | 88.7525% | 1,037 |
| Equity capital to assets | 10.7673% | 2,866 |
| Core capital (leverage) ratio | 11.1327% | 2,407 |
| Tier 1 risk-based capital ratio | 15.0456% | 2,854 |
| Total risk-based capital ratio | 16.2979% | 2,780 |
| Memoranda: | ||
| Average total assets | $92,478,330 | 4,305 |
| Average earning assets | $85,200,330 | 4,311 |
| Average equity | $10,194,000 | 4,355 |
| Average total loans | $68,548,330 | 3,963 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 1,666 |
| Cost of funding earning assets | 0.7361% | 1,259 |
| Net interest margin | 3.8335% | 2,285 |
| Noninterest income to average assets | 0.5810% | 2,359 |
| Noninterest expense to average assets | 5.6346% | 158 |
| Loan and lease loss provision to assets | 0.1666% | 1,071 |
| Net operating income to assets | -1.6831% | 5,560 |
| Return on assets (ROA) | -1.6831% | 5,558 |
| Pretax return on assets | -1.6831% | 5,556 |
| Return on Equity (ROE) | -15.1001% | 5,564 |
| Retained earnings to average equity (ytd only) | -15.1001% | 5,459 |
| Net charge-offs to loans | 0.0231% | 2,041 |
| Credit loss provision to net charge-offs | 975.0000% | 354 |
| Earnings coverage of net charge-offs (x) | -88.7500% | 2,713 |
| Efficiency ratio | 136.8257% | 42 |
| Assets per employee ($millions) | 2.3401% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,732 |
| Loan loss allowance to noncurrent loans | 27.4642% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 4.0290% | 156 |
| Noncurrent loans to loans | 5.2050% | 136 |
| Net loans and leases to total assets | 73.8930% | 1,872 |
| Net loans and leases to deposits | 83.4833% | 2,455 |
| Net loans and leases to core deposits | 95.3928% | 2,024 |
| Total domestic deposits to total assets | 88.5123% | 1,348 |
| Equity capital to assets | 11.1403% | 2,441 |
| Core capital (leverage) ratio | 11.3598% | 2,116 |
| Tier 1 risk-based capital ratio | 15.4246% | 2,688 |
| Total risk-based capital ratio | 16.6767% | 2,625 |
| Memoranda: | ||
| Average total assets | $93,636,500 | 4,337 |
| Average earning assets | $86,396,500 | 4,336 |
| Average equity | $10,437,000 | 4,361 |
| Average total loans | $69,165,000 | 3,984 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 1,582 |
| Cost of funding earning assets | 0.5946% | 1,629 |
| Net interest margin | 3.9475% | 1,925 |
| Noninterest income to average assets | 0.5691% | 2,609 |
| Noninterest expense to average assets | 4.7961% | 253 |
| Loan and lease loss provision to assets | 0.1380% | 1,658 |
| Net operating income to assets | -0.6476% | 5,556 |
| Return on assets (ROA) | -0.6496% | 5,555 |
| Pretax return on assets | -0.6496% | 5,567 |
| Return on Equity (ROE) | -6.9249% | 5,567 |
| Retained earnings to average equity (ytd only) | -6.9249% | 5,485 |
| Net charge-offs to loans | 0.0041% | 3,954 |
| Credit loss provision to net charge-offs | 4,566.6667% | 87 |
| Earnings coverage of net charge-offs (x) | -168.6667% | 4,122 |
| Efficiency ratio | 111.8891% | 92 |
| Assets per employee ($millions) | 3.0003% | 5,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 1,976 |
| Loan loss allowance to noncurrent loans | 30.9485% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 3.2944% | 220 |
| Noncurrent loans to loans | 4.3581% | 198 |
| Net loans and leases to total assets | 71.8384% | 2,262 |
| Net loans and leases to deposits | 81.1512% | 2,799 |
| Net loans and leases to core deposits | 89.6614% | 2,598 |
| Total domestic deposits to total assets | 88.5241% | 1,239 |
| Equity capital to assets | 11.1520% | 2,486 |
| Core capital (leverage) ratio | 11.3650% | 2,049 |
| Tier 1 risk-based capital ratio | 15.3464% | 2,683 |
| Total risk-based capital ratio | 16.5962% | 2,622 |
| Memoranda: | ||
| Average total assets | $99,288,000 | 4,249 |
| Average earning assets | $93,502,600 | 4,208 |
| Average equity | $9,314,200 | 4,559 |
| Average total loans | $73,175,400 | 3,893 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 1,781 |
| Cost of funding earning assets | 0.5776% | 1,690 |
| Net interest margin | 3.8753% | 2,122 |
| Noninterest income to average assets | 0.5780% | 2,590 |
| Noninterest expense to average assets | 4.7068% | 268 |
| Loan and lease loss provision to assets | 0.1385% | 1,544 |
| Net operating income to assets | -0.6033% | 5,640 |
| Return on assets (ROA) | -0.6060% | 5,639 |
| Pretax return on assets | -0.6060% | 5,631 |
| Return on Equity (ROE) | -6.7661% | 5,647 |
| Retained earnings to average equity (ytd only) | -6.7661% | 5,577 |
| Net charge-offs to loans | 0.0180% | 3,137 |
| Credit loss provision to net charge-offs | 1,040.0000% | 344 |
| Earnings coverage of net charge-offs (x) | -34.9077% | 3,786 |
| Efficiency ratio | 110.9576% | 91 |
| Assets per employee ($millions) | 3.1838% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 2,684 |
| Loan loss allowance to noncurrent loans | 26.9070% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 3.5178% | 215 |
| Noncurrent loans to loans | 4.6145% | 191 |
| Net loans and leases to total assets | 72.7725% | 2,131 |
| Net loans and leases to deposits | 82.2889% | 2,746 |
| Net loans and leases to core deposits | 89.5384% | 2,650 |
| Total domestic deposits to total assets | 88.4354% | 1,160 |
| Equity capital to assets | 11.1502% | 2,719 |
| Core capital (leverage) ratio | 11.1835% | 2,291 |
| Tier 1 risk-based capital ratio | 15.0623% | 2,889 |
| Total risk-based capital ratio | 16.2857% | 2,830 |
| Memoranda: | ||
| Average total assets | $100,107,500 | 4,281 |
| Average earning assets | $94,647,750 | 4,227 |
| Average equity | $8,966,000 | 4,665 |
| Average total loans | $73,990,500 | 3,903 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 2,276 |
| Cost of funding earning assets | 0.5729% | 1,625 |
| Net interest margin | 3.6803% | 2,719 |
| Noninterest income to average assets | 0.5966% | 2,479 |
| Noninterest expense to average assets | 4.8043% | 251 |
| Loan and lease loss provision to assets | 0.1293% | 1,610 |
| Net operating income to assets | -0.8372% | 5,706 |
| Return on assets (ROA) | -0.8372% | 5,704 |
| Pretax return on assets | -0.8372% | 5,697 |
| Return on Equity (ROE) | -10.1613% | 5,718 |
| Retained earnings to average equity (ytd only) | -10.1613% | 5,653 |
| Net charge-offs to loans | -0.0027% | 4,213 |
| Credit loss provision to net charge-offs | -6,500.0000% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2816% | 73 |
| Assets per employee ($millions) | 3.3875% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,143 |
| Loan loss allowance to noncurrent loans | 27.5330% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 3.2413% | 264 |
| Noncurrent loans to loans | 4.2804% | 204 |
| Net loans and leases to total assets | 72.1978% | 2,170 |
| Net loans and leases to deposits | 80.4877% | 2,857 |
| Net loans and leases to core deposits | 86.2225% | 2,857 |
| Total domestic deposits to total assets | 89.7004% | 644 |
| Equity capital to assets | 9.8962% | 4,038 |
| Core capital (leverage) ratio | 10.0837% | 3,425 |
| Tier 1 risk-based capital ratio | 13.5003% | 3,702 |
| Total risk-based capital ratio | 14.6640% | 3,659 |
| Memoranda: | ||
| Average total assets | $100,577,330 | 4,298 |
| Average earning assets | $95,645,670 | 4,241 |
| Average equity | $8,286,330 | 4,808 |
| Average total loans | $74,411,330 | 3,911 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2258% | 2,184 |
| Cost of funding earning assets | 0.5573% | 1,674 |
| Net interest margin | 3.6685% | 2,612 |
| Noninterest income to average assets | 0.5677% | 2,566 |
| Noninterest expense to average assets | 4.6295% | 297 |
| Loan and lease loss provision to assets | 0.1039% | 1,836 |
| Net operating income to assets | -0.6397% | 5,758 |
| Return on assets (ROA) | -0.6397% | 5,757 |
| Pretax return on assets | -0.6397% | 5,749 |
| Return on Equity (ROE) | -8.6475% | 5,774 |
| Retained earnings to average equity (ytd only) | -8.6475% | 5,553 |
| Net charge-offs to loans | 0.0107% | 2,604 |
| Credit loss provision to net charge-offs | 1,300.0000% | 249 |
| Earnings coverage of net charge-offs (x) | -67.0000% | 2,938 |
| Efficiency ratio | 113.0859% | 98 |
| Assets per employee ($millions) | 3.1000% | 5,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 3,554 |
| Loan loss allowance to noncurrent loans | 27.0104% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 3.1522% | 302 |
| Noncurrent loans to loans | 4.1623% | 242 |
| Net loans and leases to total assets | 73.8518% | 1,768 |
| Net loans and leases to deposits | 79.9574% | 2,763 |
| Net loans and leases to core deposits | 85.6223% | 2,756 |
| Total domestic deposits to total assets | 92.3639% | 71 |
| Equity capital to assets | 7.4063% | 5,700 |
| Core capital (leverage) ratio | 7.5640% | 5,693 |
| Tier 1 risk-based capital ratio | 10.3405% | 5,611 |
| Total risk-based capital ratio | 11.4845% | 5,580 |
| Memoranda: | ||
| Average total assets | $100,053,500 | 4,346 |
| Average earning assets | $96,170,500 | 4,267 |
| Average equity | $7,401,000 | 4,987 |
| Average total loans | $74,494,000 | 3,936 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4089% | 1,792 |
| Cost of funding earning assets | 0.4337% | 2,668 |
| Net interest margin | 3.9752% | 1,716 |
| Noninterest income to average assets | 1.8924% | 366 |
| Noninterest expense to average assets | 4.9845% | 260 |
| Loan and lease loss provision to assets | -0.0406% | 5,563 |
| Net operating income to assets | 0.7136% | 3,722 |
| Return on assets (ROA) | 0.7136% | 3,838 |
| Pretax return on assets | 0.7136% | 4,446 |
| Return on Equity (ROE) | 8.4138% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.4138% | 731 |
| Net charge-offs to loans | 0.0100% | 3,930 |
| Credit loss provision to net charge-offs | -583.3333% | 5,197 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 619 |
| Efficiency ratio | 88.1050% | 670 |
| Assets per employee ($millions) | 2.8831% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,825 |
| Loan loss allowance to noncurrent loans | 39.9506% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.0494% | 659 |
| Noncurrent loans to loans | 2.7038% | 556 |
| Net loans and leases to total assets | 73.4191% | 1,941 |
| Net loans and leases to deposits | 79.5091% | 2,941 |
| Net loans and leases to core deposits | 85.2875% | 2,904 |
| Total domestic deposits to total assets | 92.3405% | 77 |
| Equity capital to assets | 7.3880% | 5,739 |
| Core capital (leverage) ratio | 8.6798% | 5,097 |
| Tier 1 risk-based capital ratio | 10.4214% | 5,606 |
| Total risk-based capital ratio | 11.5181% | 5,610 |
| Memoranda: | ||
| Average total assets | $86,186,600 | 4,613 |
| Average earning assets | $81,630,200 | 4,554 |
| Average equity | $7,309,400 | 5,038 |
| Average total loans | $59,907,000 | 4,301 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 1,350 |
| Cost of funding earning assets | 0.4422% | 2,617 |
| Net interest margin | 4.1306% | 1,311 |
| Noninterest income to average assets | 2.3868% | 276 |
| Noninterest expense to average assets | 5.1275% | 245 |
| Loan and lease loss provision to assets | -0.0566% | 5,731 |
| Net operating income to assets | 1.2104% | 1,610 |
| Return on assets (ROA) | 1.2104% | 1,707 |
| Pretax return on assets | 1.2104% | 2,793 |
| Return on Equity (ROE) | 13.7308% | 869 |
| Retained earnings to average equity (ytd only) | 13.7308% | 186 |
| Net charge-offs to loans | -0.1567% | 5,698 |
| Credit loss provision to net charge-offs | 53.0303% | 2,992 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6311% | 1,235 |
| Assets per employee ($millions) | 2.8069% | 5,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,526 |
| Loan loss allowance to noncurrent loans | 43.6418% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 2.4642% | 557 |
| Noncurrent loans to loans | 3.6301% | 342 |
| Net loans and leases to total assets | 65.0690% | 3,262 |
| Net loans and leases to deposits | 72.3012% | 3,775 |
| Net loans and leases to core deposits | 80.5540% | 3,391 |
| Total domestic deposits to total assets | 89.9971% | 482 |
| Equity capital to assets | 9.3889% | 4,773 |
| Core capital (leverage) ratio | 9.6027% | 4,055 |
| Tier 1 risk-based capital ratio | 13.4585% | 3,884 |
| Total risk-based capital ratio | 14.7107% | 3,794 |
| Memoranda: | ||
| Average total assets | $82,506,500 | 4,717 |
| Average earning assets | $77,792,000 | 4,668 |
| Average equity | $7,273,000 | 5,097 |
| Average total loans | $56,160,250 | 4,437 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 1,417 |
| Cost of funding earning assets | 0.4702% | 2,371 |
| Net interest margin | 4.0658% | 1,458 |
| Noninterest income to average assets | 1.1106% | 908 |
| Noninterest expense to average assets | 4.7791% | 305 |
| Loan and lease loss provision to assets | -0.0854% | 5,864 |
| Net operating income to assets | 0.2368% | 5,458 |
| Return on assets (ROA) | 0.2368% | 5,521 |
| Pretax return on assets | 0.2368% | 5,579 |
| Return on Equity (ROE) | 2.7471% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.7471% | 4,153 |
| Net charge-offs to loans | -0.2450% | 5,844 |
| Credit loss provision to net charge-offs | 50.7246% | 2,661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9307% | 315 |
| Assets per employee ($millions) | 2.5319% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 1,552 |
| Loan loss allowance to noncurrent loans | 84.6743% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.6194% | 506 |
| Noncurrent loans to loans | 1.8795% | 1,080 |
| Net loans and leases to total assets | 69.6420% | 2,528 |
| Net loans and leases to deposits | 77.0941% | 3,254 |
| Net loans and leases to core deposits | 84.6305% | 3,022 |
| Total domestic deposits to total assets | 90.3338% | 373 |
| Equity capital to assets | 9.0496% | 5,204 |
| Core capital (leverage) ratio | 8.7445% | 5,112 |
| Tier 1 risk-based capital ratio | 13.8737% | 3,683 |
| Total risk-based capital ratio | 15.1293% | 3,595 |
| Memoranda: | ||
| Average total assets | $81,940,000 | 4,774 |
| Average earning assets | $76,984,330 | 4,731 |
| Average equity | $7,062,000 | 5,182 |
| Average total loans | $56,322,330 | 4,464 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6424% | 1,158 |
| Cost of funding earning assets | 0.5561% | 1,650 |
| Net interest margin | 4.0863% | 1,382 |
| Noninterest income to average assets | 1.1952% | 768 |
| Noninterest expense to average assets | 4.7571% | 327 |
| Loan and lease loss provision to assets | -0.1673% | 6,012 |
| Net operating income to assets | 0.4351% | 4,879 |
| Return on assets (ROA) | 0.4351% | 4,961 |
| Pretax return on assets | 0.4351% | 5,238 |
| Return on Equity (ROE) | 5.1694% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.1694% | 2,837 |
| Net charge-offs to loans | -0.2328% | 5,883 |
| Credit loss provision to net charge-offs | 106.0606% | 1,554 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6717% | 428 |
| Assets per employee ($millions) | 3.0001% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 2,122 |
| Loan loss allowance to noncurrent loans | 56.9510% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 2.9773% | 424 |
| Noncurrent loans to loans | 2.5788% | 715 |
| Net loans and leases to total assets | 67.7250% | 2,686 |
| Net loans and leases to deposits | 74.4559% | 3,384 |
| Net loans and leases to core deposits | 80.0245% | 3,318 |
| Total domestic deposits to total assets | 90.9598% | 288 |
| Equity capital to assets | 8.5306% | 5,549 |
| Core capital (leverage) ratio | 8.5337% | 5,361 |
| Tier 1 risk-based capital ratio | 13.6299% | 3,912 |
| Total risk-based capital ratio | 14.8835% | 3,839 |
| Memoranda: | ||
| Average total assets | $83,665,000 | 4,771 |
| Average earning assets | $78,408,000 | 4,738 |
| Average equity | $7,041,500 | 5,224 |
| Average total loans | $56,710,500 | 4,481 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 1,284 |
| Cost of funding earning assets | 0.5628% | 1,654 |
| Net interest margin | 4.0575% | 1,542 |
| Noninterest income to average assets | 0.8477% | 1,612 |
| Noninterest expense to average assets | 4.3648% | 451 |
| Loan and lease loss provision to assets | 0.1838% | 1,220 |
| Net operating income to assets | 0.1323% | 5,712 |
| Return on assets (ROA) | 0.1323% | 5,761 |
| Pretax return on assets | 0.1323% | 5,771 |
| Return on Equity (ROE) | 1.5761% | 5,667 |
| Retained earnings to average equity (ytd only) | 1.5761% | 4,822 |
| Net charge-offs to loans | -0.0584% | 5,599 |
| Credit loss provision to net charge-offs | -500.0000% | 5,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2478% | 516 |
| Assets per employee ($millions) | 3.0862% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 1,874 |
| Loan loss allowance to noncurrent loans | 21.8565% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 5.8816% | 141 |
| Noncurrent loans to loans | 6.9843% | 106 |
| Net loans and leases to total assets | 65.8034% | 3,010 |
| Net loans and leases to deposits | 76.2191% | 3,223 |
| Net loans and leases to core deposits | 82.3007% | 3,111 |
| Total domestic deposits to total assets | 86.3346% | 2,471 |
| Equity capital to assets | 8.3010% | 5,701 |
| Core capital (leverage) ratio | 8.5629% | 5,365 |
| Tier 1 risk-based capital ratio | 13.2022% | 4,167 |
| Total risk-based capital ratio | 14.4561% | 4,096 |
| Memoranda: | ||
| Average total assets | $81,630,600 | 4,834 |
| Average earning assets | $77,116,200 | 4,781 |
| Average equity | $6,852,400 | 5,270 |
| Average total loans | $51,391,600 | 4,624 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 2,269 |
| Cost of funding earning assets | 0.5518% | 1,786 |
| Net interest margin | 3.7382% | 2,618 |
| Noninterest income to average assets | 0.8538% | 1,605 |
| Noninterest expense to average assets | 4.2951% | 491 |
| Loan and lease loss provision to assets | 0.2463% | 698 |
| Net operating income to assets | -0.1396% | 6,023 |
| Return on assets (ROA) | -0.1396% | 6,040 |
| Pretax return on assets | -0.1396% | 6,026 |
| Return on Equity (ROE) | -1.6578% | 6,050 |
| Retained earnings to average equity (ytd only) | -1.6578% | 5,819 |
| Net charge-offs to loans | -0.0477% | 5,533 |
| Credit loss provision to net charge-offs | -833.3333% | 5,457 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5755% | 369 |
| Assets per employee ($millions) | 3.1224% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4884% | 2,207 |
| Loan loss allowance to noncurrent loans | 21.5369% | 5,558 |
| Noncurrent assets plus other real estate owned to assets | 5.8157% | 146 |
| Noncurrent loans to loans | 6.9109% | 105 |
| Net loans and leases to total assets | 65.7889% | 3,050 |
| Net loans and leases to deposits | 75.7229% | 3,337 |
| Net loans and leases to core deposits | 82.2505% | 3,223 |
| Total domestic deposits to total assets | 86.8811% | 2,104 |
| Equity capital to assets | 8.0611% | 5,939 |
| Core capital (leverage) ratio | 8.4045% | 5,623 |
| Tier 1 risk-based capital ratio | 12.0743% | 5,033 |
| Total risk-based capital ratio | 13.3269% | 4,947 |
| Memoranda: | ||
| Average total assets | $81,206,500 | 4,898 |
| Average earning assets | $77,076,000 | 4,844 |
| Average equity | $6,836,250 | 5,338 |
| Average total loans | $50,319,000 | 4,701 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3389% | 2,052 |
| Cost of funding earning assets | 0.5522% | 1,792 |
| Net interest margin | 3.7867% | 2,374 |
| Noninterest income to average assets | 0.8981% | 1,448 |
| Noninterest expense to average assets | 4.3481% | 478 |
| Loan and lease loss provision to assets | 0.3742% | 339 |
| Net operating income to assets | -0.2320% | 6,116 |
| Return on assets (ROA) | -0.2320% | 6,134 |
| Pretax return on assets | -0.2320% | 6,125 |
| Return on Equity (ROE) | -2.7155% | 6,148 |
| Retained earnings to average equity (ytd only) | -2.7155% | 5,894 |
| Net charge-offs to loans | -0.0704% | 5,665 |
| Credit loss provision to net charge-offs | -882.3529% | 5,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8333% | 411 |
| Assets per employee ($millions) | 3.2677% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7014% | 1,599 |
| Loan loss allowance to noncurrent loans | 27.8814% | 5,541 |
| Noncurrent assets plus other real estate owned to assets | 4.9123% | 231 |
| Noncurrent loans to loans | 6.1022% | 153 |
| Net loans and leases to total assets | 59.1948% | 3,946 |
| Net loans and leases to deposits | 68.3612% | 4,101 |
| Net loans and leases to core deposits | 75.0831% | 3,844 |
| Total domestic deposits to total assets | 86.5913% | 2,380 |
| Equity capital to assets | 8.2369% | 5,862 |
| Core capital (leverage) ratio | 8.3961% | 5,641 |
| Tier 1 risk-based capital ratio | 13.3680% | 4,297 |
| Total risk-based capital ratio | 14.6225% | 4,228 |
| Memoranda: | ||
| Average total assets | $80,173,330 | 4,974 |
| Average earning assets | $76,055,670 | 4,921 |
| Average equity | $6,849,670 | 5,389 |
| Average total loans | $48,324,670 | 4,812 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4394% | 1,638 |
| Cost of funding earning assets | 0.5503% | 1,840 |
| Net interest margin | 3.8891% | 1,934 |
| Noninterest income to average assets | 1.0074% | 1,106 |
| Noninterest expense to average assets | 4.2864% | 508 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4231% | 4,980 |
| Return on assets (ROA) | 0.4231% | 5,102 |
| Pretax return on assets | 0.4231% | 5,381 |
| Return on Equity (ROE) | 4.8625% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.8625% | 3,137 |
| Net charge-offs to loans | -0.0668% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0160% | 779 |
| Assets per employee ($millions) | 3.0366% | 5,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 2,603 |
| Loan loss allowance to noncurrent loans | 22.6377% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 3.6663% | 436 |
| Noncurrent loans to loans | 6.4631% | 160 |
| Net loans and leases to total assets | 55.6928% | 4,236 |
| Net loans and leases to deposits | 64.5098% | 4,316 |
| Net loans and leases to core deposits | 71.3848% | 4,023 |
| Total domestic deposits to total assets | 86.3323% | 2,746 |
| Equity capital to assets | 8.5109% | 5,733 |
| Core capital (leverage) ratio | 7.9301% | 5,981 |
| Tier 1 risk-based capital ratio | 12.3949% | 4,978 |
| Total risk-based capital ratio | 13.6440% | 4,888 |
| Memoranda: | ||
| Average total assets | $79,413,500 | 5,039 |
| Average earning assets | $75,595,000 | 4,980 |
| Average equity | $6,910,000 | 5,422 |
| Average total loans | $47,889,500 | 4,853 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 2,114 |
| Cost of funding earning assets | 0.5611% | 2,132 |
| Net interest margin | 3.8746% | 2,339 |
| Noninterest income to average assets | 1.0218% | 1,169 |
| Noninterest expense to average assets | 4.8189% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1714% | 6,195 |
| Return on assets (ROA) | -0.1714% | 6,191 |
| Pretax return on assets | -0.1714% | 6,175 |
| Return on Equity (ROE) | -1.9138% | 6,208 |
| Retained earnings to average equity (ytd only) | -1.9138% | 6,001 |
| Net charge-offs to loans | 0.0915% | 3,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -3.1750% | 4,860 |
| Efficiency ratio | 103.6886% | 297 |
| Assets per employee ($millions) | 2.9553% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 3,151 |
| Loan loss allowance to noncurrent loans | 48.9408% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7960% | 1,455 |
| Noncurrent loans to loans | 2.7691% | 864 |
| Net loans and leases to total assets | 63.4699% | 3,295 |
| Net loans and leases to deposits | 74.5191% | 3,371 |
| Net loans and leases to core deposits | 80.1068% | 3,288 |
| Total domestic deposits to total assets | 85.1727% | 3,219 |
| Equity capital to assets | 8.9044% | 5,375 |
| Core capital (leverage) ratio | 8.9798% | 5,028 |
| Tier 1 risk-based capital ratio | 13.8956% | 4,166 |
| Total risk-based capital ratio | 15.1464% | 4,106 |
| Memoranda: | ||
| Average total assets | $74,083,800 | 5,187 |
| Average earning assets | $69,323,000 | 5,142 |
| Average equity | $6,636,000 | 5,495 |
| Average total loans | $43,708,200 | 5,046 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3959% | 2,239 |
| Cost of funding earning assets | 0.5600% | 2,196 |
| Net interest margin | 3.8360% | 2,491 |
| Noninterest income to average assets | 0.9156% | 1,469 |
| Noninterest expense to average assets | 4.9412% | 320 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.4542% | 6,355 |
| Return on assets (ROA) | -0.4542% | 6,352 |
| Pretax return on assets | -0.4542% | 6,342 |
| Return on Equity (ROE) | -5.0623% | 6,373 |
| Retained earnings to average equity (ytd only) | -5.0623% | 6,258 |
| Net charge-offs to loans | 0.1451% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -5.4350% | 4,611 |
| Efficiency ratio | 110.1215% | 218 |
| Assets per employee ($millions) | 2.9045% | 5,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4457% | 2,964 |
| Loan loss allowance to noncurrent loans | 49.4048% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.7943% | 1,660 |
| Noncurrent loans to loans | 2.9263% | 921 |
| Net loans and leases to total assets | 59.9409% | 3,795 |
| Net loans and leases to deposits | 69.9895% | 3,917 |
| Net loans and leases to core deposits | 72.9069% | 4,063 |
| Total domestic deposits to total assets | 85.6428% | 3,046 |
| Equity capital to assets | 8.6538% | 5,677 |
| Core capital (leverage) ratio | 9.1024% | 4,931 |
| Tier 1 risk-based capital ratio | 12.8721% | 4,935 |
| Total risk-based capital ratio | 14.0778% | 4,877 |
| Memoranda: | ||
| Average total assets | $73,395,250 | 5,255 |
| Average earning assets | $68,334,000 | 5,220 |
| Average equity | $6,584,500 | 5,558 |
| Average total loans | $42,275,500 | 5,153 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 2,337 |
| Cost of funding earning assets | 0.5527% | 2,322 |
| Net interest margin | 3.8069% | 2,550 |
| Noninterest income to average assets | 0.7897% | 1,881 |
| Noninterest expense to average assets | 4.9444% | 323 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.6108% | 6,461 |
| Return on assets (ROA) | -0.6108% | 6,467 |
| Pretax return on assets | -0.6108% | 6,449 |
| Return on Equity (ROE) | -6.7263% | 6,477 |
| Retained earnings to average equity (ytd only) | -6.7263% | 6,335 |
| Net charge-offs to loans | 0.2484% | 1,567 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -4.3529% | 4,282 |
| Efficiency ratio | 114.0952% | 192 |
| Assets per employee ($millions) | 2.6989% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 2,434 |
| Loan loss allowance to noncurrent loans | 50.3823% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 2.2053% | 1,381 |
| Noncurrent loans to loans | 3.1887% | 890 |
| Net loans and leases to total assets | 55.3884% | 4,364 |
| Net loans and leases to deposits | 65.1499% | 4,364 |
| Net loans and leases to core deposits | 69.1563% | 4,350 |
| Total domestic deposits to total assets | 85.0169% | 3,498 |
| Equity capital to assets | 9.1109% | 5,192 |
| Core capital (leverage) ratio | 9.3389% | 4,541 |
| Tier 1 risk-based capital ratio | 14.1587% | 4,145 |
| Total risk-based capital ratio | 15.3520% | 4,126 |
| Memoranda: | ||
| Average total assets | $72,688,330 | 5,321 |
| Average earning assets | $67,667,330 | 5,279 |
| Average equity | $6,601,000 | 5,584 |
| Average total loans | $41,057,670 | 5,228 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4237% | 2,049 |
| Cost of funding earning assets | 0.5478% | 2,439 |
| Net interest margin | 3.8760% | 2,171 |
| Noninterest income to average assets | 0.7108% | 2,120 |
| Noninterest expense to average assets | 4.9202% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.6226% | 6,507 |
| Return on assets (ROA) | -0.6226% | 6,506 |
| Pretax return on assets | -0.6226% | 6,488 |
| Return on Equity (ROE) | -6.8672% | 6,512 |
| Retained earnings to average equity (ytd only) | -6.8672% | 6,233 |
| Net charge-offs to loans | 0.4382% | 830 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.5111% | 3,548 |
| Efficiency ratio | 114.4872% | 227 |
| Assets per employee ($millions) | 2.8710% | 6,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5839% | 2,773 |
| Loan loss allowance to noncurrent loans | 267.0683% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 3,917 |
| Noncurrent loans to loans | 0.5931% | 4,385 |
| Net loans and leases to total assets | 55.3567% | 4,229 |
| Net loans and leases to deposits | 64.7401% | 4,236 |
| Net loans and leases to core deposits | 68.5940% | 4,248 |
| Total domestic deposits to total assets | 85.5061% | 3,609 |
| Equity capital to assets | 8.7561% | 5,385 |
| Core capital (leverage) ratio | 9.6267% | 4,100 |
| Tier 1 risk-based capital ratio | 13.9888% | 4,340 |
| Total risk-based capital ratio | 15.1912% | 4,312 |
| Memoranda: | ||
| Average total assets | $72,598,000 | 5,376 |
| Average earning assets | $67,183,500 | 5,348 |
| Average equity | $6,582,000 | 5,622 |
| Average total loans | $41,076,500 | 5,276 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 806 |
| Cost of funding earning assets | 0.6198% | 2,483 |
| Net interest margin | 4.4461% | 831 |
| Noninterest income to average assets | 0.9256% | 1,594 |
| Noninterest expense to average assets | 5.1232% | 320 |
| Loan and lease loss provision to assets | -0.1001% | 6,484 |
| Net operating income to assets | -0.0744% | 6,277 |
| Return on assets (ROA) | 0.0315% | 6,203 |
| Pretax return on assets | 0.0315% | 6,183 |
| Return on Equity (ROE) | 0.3324% | 6,193 |
| Retained earnings to average equity (ytd only) | 0.3324% | 5,697 |
| Net charge-offs to loans | 0.0983% | 3,858 |
| Credit loss provision to net charge-offs | -179.4872% | 5,976 |
| Earnings coverage of net charge-offs (x) | -3.1282% | 5,357 |
| Efficiency ratio | 103.5270% | 384 |
| Assets per employee ($millions) | 2.7135% | 6,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 2,169 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6619% | 4,258 |
| Noncurrent loans to loans | 1.0606% | 3,390 |
| Net loans and leases to total assets | 55.9269% | 4,329 |
| Net loans and leases to deposits | 66.0943% | 4,286 |
| Net loans and leases to core deposits | 70.6494% | 4,230 |
| Total domestic deposits to total assets | 84.6168% | 3,919 |
| Equity capital to assets | 9.3946% | 4,552 |
| Core capital (leverage) ratio | 10.1724% | 3,336 |
| Tier 1 risk-based capital ratio | 14.7751% | 3,801 |
| Total risk-based capital ratio | 15.9606% | 3,777 |
| Memoranda: | ||
| Average total assets | $69,897,800 | 5,481 |
| Average earning assets | $63,246,200 | 5,495 |
| Average equity | $6,618,200 | 5,668 |
| Average total loans | $39,670,800 | 5,362 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6898% | 1,622 |
| Cost of funding earning assets | 0.6335% | 2,513 |
| Net interest margin | 4.0563% | 1,768 |
| Noninterest income to average assets | 0.9101% | 1,720 |
| Noninterest expense to average assets | 5.1719% | 306 |
| Loan and lease loss provision to assets | 0.0096% | 4,795 |
| Net operating income to assets | -0.6233% | 6,634 |
| Return on assets (ROA) | -0.5545% | 6,632 |
| Pretax return on assets | -0.5545% | 6,618 |
| Return on Equity (ROE) | -5.8445% | 6,621 |
| Retained earnings to average equity (ytd only) | -5.8445% | 6,531 |
| Net charge-offs to loans | 0.1416% | 3,124 |
| Credit loss provision to net charge-offs | 11.9048% | 4,193 |
| Earnings coverage of net charge-offs (x) | -7.6427% | 5,152 |
| Efficiency ratio | 113.4648% | 225 |
| Assets per employee ($millions) | 2.6851% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8909% | 2,026 |
| Loan loss allowance to noncurrent loans | 153.9394% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.9611% | 3,743 |
| Noncurrent loans to loans | 1.2283% | 3,353 |
| Net loans and leases to total assets | 56.6327% | 4,226 |
| Net loans and leases to deposits | 66.7145% | 4,215 |
| Net loans and leases to core deposits | 71.0114% | 4,210 |
| Total domestic deposits to total assets | 84.8882% | 3,796 |
| Equity capital to assets | 8.9124% | 5,288 |
| Core capital (leverage) ratio | 9.5564% | 4,323 |
| Tier 1 risk-based capital ratio | 15.0224% | 3,740 |
| Total risk-based capital ratio | 16.2432% | 3,707 |
| Memoranda: | ||
| Average total assets | $69,734,500 | 5,543 |
| Average earning assets | $62,716,500 | 5,575 |
| Average equity | $6,615,750 | 5,738 |
| Average total loans | $39,546,750 | 5,416 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6089% | 1,823 |
| Cost of funding earning assets | 0.6405% | 2,587 |
| Net interest margin | 3.9684% | 1,974 |
| Noninterest income to average assets | 0.7460% | 2,433 |
| Noninterest expense to average assets | 5.2218% | 304 |
| Loan and lease loss provision to assets | 0.0143% | 4,601 |
| Net operating income to assets | -0.9525% | 6,745 |
| Return on assets (ROA) | -0.9525% | 6,749 |
| Pretax return on assets | -0.9525% | 6,730 |
| Return on Equity (ROE) | -9.8414% | 6,740 |
| Retained earnings to average equity (ytd only) | -9.8414% | 6,662 |
| Net charge-offs to loans | 0.4173% | 1,550 |
| Credit loss provision to net charge-offs | 6.0976% | 3,939 |
| Earnings coverage of net charge-offs (x) | -3.9878% | 4,815 |
| Efficiency ratio | 121.9022% | 166 |
| Assets per employee ($millions) | 2.8050% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8217% | 2,358 |
| Loan loss allowance to noncurrent loans | 108.5714% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.6029% | 2,711 |
| Noncurrent loans to loans | 1.6779% | 2,798 |
| Net loans and leases to total assets | 53.3545% | 4,687 |
| Net loans and leases to deposits | 62.6169% | 4,667 |
| Net loans and leases to core deposits | 65.7964% | 4,710 |
| Total domestic deposits to total assets | 85.2079% | 3,792 |
| Equity capital to assets | 8.8851% | 5,343 |
| Core capital (leverage) ratio | 9.2962% | 4,544 |
| Tier 1 risk-based capital ratio | 14.0179% | 4,414 |
| Total risk-based capital ratio | 15.2741% | 4,369 |
| Memoranda: | ||
| Average total assets | $69,708,330 | 5,578 |
| Average earning assets | $62,140,330 | 5,620 |
| Average equity | $6,747,000 | 5,747 |
| Average total loans | $39,296,000 | 5,453 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8713% | 1,150 |
| Cost of funding earning assets | 0.6491% | 2,667 |
| Net interest margin | 4.2223% | 1,132 |
| Noninterest income to average assets | 0.6461% | 2,897 |
| Noninterest expense to average assets | 5.3806% | 284 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.0279% | 6,815 |
| Return on assets (ROA) | -1.0279% | 6,825 |
| Pretax return on assets | -1.0279% | 6,807 |
| Return on Equity (ROE) | -10.1737% | 6,808 |
| Retained earnings to average equity (ytd only) | -10.1737% | 6,624 |
| Net charge-offs to loans | -0.1533% | 6,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.6167% | 189 |
| Assets per employee ($millions) | 2.5605% | 6,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1205% | 1,753 |
| Loan loss allowance to noncurrent loans | 130.2400% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 1.7271% | 2,702 |
| Noncurrent loans to loans | 1.6281% | 3,097 |
| Net loans and leases to total assets | 54.3495% | 4,351 |
| Net loans and leases to deposits | 64.6457% | 4,235 |
| Net loans and leases to core deposits | 68.8787% | 4,199 |
| Total domestic deposits to total assets | 84.0730% | 4,442 |
| Equity capital to assets | 9.7550% | 4,491 |
| Core capital (leverage) ratio | 10.1834% | 3,166 |
| Tier 1 risk-based capital ratio | 15.2830% | 3,664 |
| Total risk-based capital ratio | 16.5199% | 3,627 |
| Memoranda: | ||
| Average total assets | $68,097,000 | 5,685 |
| Average earning assets | $59,778,500 | 5,753 |
| Average equity | $6,880,500 | 5,771 |
| Average total loans | $39,127,000 | 5,500 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8191% | 2,122 |
| Cost of funding earning assets | 0.6751% | 3,688 |
| Net interest margin | 4.1440% | 1,842 |
| Noninterest income to average assets | 1.1422% | 1,196 |
| Noninterest expense to average assets | 5.1824% | 336 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.3350% | 6,468 |
| Return on assets (ROA) | -0.2431% | 6,465 |
| Pretax return on assets | -0.2431% | 6,449 |
| Return on Equity (ROE) | -2.4063% | 6,477 |
| Retained earnings to average equity (ytd only) | -2.4063% | 6,213 |
| Net charge-offs to loans | -0.0172% | 6,531 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9116% | 390 |
| Assets per employee ($millions) | 2.6824% | 6,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0042% | 2,005 |
| Loan loss allowance to noncurrent loans | 125.4317% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 2.1011% | 2,333 |
| Noncurrent loans to loans | 1.5979% | 3,229 |
| Net loans and leases to total assets | 58.2568% | 3,928 |
| Net loans and leases to deposits | 70.1055% | 3,693 |
| Net loans and leases to core deposits | 75.3971% | 3,616 |
| Total domestic deposits to total assets | 83.0987% | 4,678 |
| Equity capital to assets | 10.4638% | 3,567 |
| Core capital (leverage) ratio | 10.4818% | 2,790 |
| Tier 1 risk-based capital ratio | 16.6604% | 2,810 |
| Total risk-based capital ratio | 17.9188% | 2,780 |
| Memoranda: | ||
| Average total assets | $70,739,400 | 5,609 |
| Average earning assets | $63,248,000 | 5,631 |
| Average equity | $7,147,800 | 5,718 |
| Average total loans | $40,653,800 | 5,474 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 2,783 |
| Cost of funding earning assets | 0.6753% | 3,972 |
| Net interest margin | 4.0311% | 2,377 |
| Noninterest income to average assets | 1.1554% | 1,143 |
| Noninterest expense to average assets | 5.0311% | 358 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.2437% | 6,526 |
| Return on assets (ROA) | -0.1228% | 6,510 |
| Pretax return on assets | -0.1228% | 6,493 |
| Return on Equity (ROE) | -1.2255% | 6,519 |
| Retained earnings to average equity (ytd only) | -1.2255% | 6,300 |
| Net charge-offs to loans | -0.0163% | 6,456 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0913% | 402 |
| Assets per employee ($millions) | 2.6202% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9773% | 2,233 |
| Loan loss allowance to noncurrent loans | 65.5428% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 2.7905% | 1,882 |
| Noncurrent loans to loans | 3.0168% | 1,850 |
| Net loans and leases to total assets | 57.9963% | 4,135 |
| Net loans and leases to deposits | 69.7736% | 3,924 |
| Net loans and leases to core deposits | 73.8836% | 3,986 |
| Total domestic deposits to total assets | 83.1207% | 4,597 |
| Equity capital to assets | 10.5394% | 3,795 |
| Core capital (leverage) ratio | 10.1067% | 3,402 |
| Tier 1 risk-based capital ratio | 16.4264% | 3,042 |
| Total risk-based capital ratio | 17.6831% | 3,005 |
| Memoranda: | ||
| Average total assets | $71,659,250 | 5,642 |
| Average earning assets | $64,563,250 | 5,656 |
| Average equity | $7,180,500 | 5,775 |
| Average total loans | $40,850,750 | 5,532 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6743% | 3,026 |
| Cost of funding earning assets | 0.6765% | 4,211 |
| Net interest margin | 3.9978% | 2,514 |
| Noninterest income to average assets | 1.1752% | 1,035 |
| Noninterest expense to average assets | 4.9700% | 388 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1922% | 6,535 |
| Return on assets (ROA) | -0.0357% | 6,483 |
| Pretax return on assets | -0.0357% | 6,474 |
| Return on Equity (ROE) | -0.3621% | 6,488 |
| Retained earnings to average equity (ytd only) | -0.3621% | 6,097 |
| Net charge-offs to loans | 0.1511% | 3,703 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -2.2581% | 5,391 |
| Efficiency ratio | 104.0230% | 437 |
| Assets per employee ($millions) | 2.7508% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8192% | 2,786 |
| Loan loss allowance to noncurrent loans | 164.3629% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.5457% | 3,382 |
| Noncurrent loans to loans | 1.1068% | 4,312 |
| Net loans and leases to total assets | 55.2981% | 4,577 |
| Net loans and leases to deposits | 65.4362% | 4,583 |
| Net loans and leases to core deposits | 69.3814% | 4,613 |
| Total domestic deposits to total assets | 84.5069% | 4,097 |
| Equity capital to assets | 9.7062% | 4,753 |
| Core capital (leverage) ratio | 9.7907% | 3,730 |
| Tier 1 risk-based capital ratio | 15.7591% | 3,299 |
| Total risk-based capital ratio | 17.0084% | 3,268 |
| Memoranda: | ||
| Average total assets | $72,837,330 | 5,641 |
| Average earning assets | $65,636,000 | 5,655 |
| Average equity | $7,180,670 | 5,791 |
| Average total loans | $41,032,000 | 5,552 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 3,077 |
| Cost of funding earning assets | 0.6926% | 4,346 |
| Net interest margin | 4.0009% | 2,505 |
| Noninterest income to average assets | 1.0483% | 1,313 |
| Noninterest expense to average assets | 4.7255% | 445 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0887% | 6,524 |
| Return on assets (ROA) | 0.1442% | 6,261 |
| Pretax return on assets | 0.1442% | 6,307 |
| Return on Equity (ROE) | 1.4512% | 6,234 |
| Retained earnings to average equity (ytd only) | 1.4512% | 5,508 |
| Net charge-offs to loans | 0.5611% | 1,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.2807% | 4,459 |
| Efficiency ratio | 101.9139% | 497 |
| Assets per employee ($millions) | 2.7971% | 6,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7755% | 3,073 |
| Loan loss allowance to noncurrent loans | 154.0881% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 1.5923% | 3,462 |
| Noncurrent loans to loans | 1.1523% | 4,405 |
| Net loans and leases to total assets | 55.9106% | 4,404 |
| Net loans and leases to deposits | 66.2955% | 4,330 |
| Net loans and leases to core deposits | 73.9641% | 3,906 |
| Total domestic deposits to total assets | 84.3355% | 4,353 |
| Equity capital to assets | 9.8041% | 4,366 |
| Core capital (leverage) ratio | 9.8086% | 3,629 |
| Tier 1 risk-based capital ratio | 14.4919% | 4,115 |
| Total risk-based capital ratio | 15.7416% | 4,076 |
| Memoranda: | ||
| Average total assets | $72,120,000 | 5,709 |
| Average earning assets | $64,685,500 | 5,734 |
| Average equity | $7,166,500 | 5,817 |
| Average total loans | $40,632,000 | 5,615 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1632% | 2,211 |
| Cost of funding earning assets | 0.8100% | 4,793 |
| Net interest margin | 4.3533% | 1,534 |
| Noninterest income to average assets | 1.2671% | 808 |
| Noninterest expense to average assets | 5.3966% | 279 |
| Loan and lease loss provision to assets | 0.0986% | 5,355 |
| Net operating income to assets | -0.3444% | 6,377 |
| Return on assets (ROA) | -0.3076% | 6,401 |
| Pretax return on assets | -0.3076% | 6,356 |
| Return on Equity (ROE) | -2.9061% | 6,403 |
| Retained earnings to average equity (ytd only) | -2.9061% | 6,260 |
| Net charge-offs to loans | -0.0103% | 6,888 |
| Credit loss provision to net charge-offs | -1,675.0000% | 6,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7714% | 546 |
| Assets per employee ($millions) | 2.7506% | 6,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9866% | 2,322 |
| Loan loss allowance to noncurrent loans | 135.3846% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.9982% | 2,963 |
| Noncurrent loans to loans | 1.4673% | 3,958 |
| Net loans and leases to total assets | 54.6403% | 4,926 |
| Net loans and leases to deposits | 65.1842% | 4,853 |
| Net loans and leases to core deposits | 72.5699% | 4,426 |
| Total domestic deposits to total assets | 83.8244% | 4,398 |
| Equity capital to assets | 10.0720% | 4,072 |
| Core capital (leverage) ratio | 10.7410% | 2,486 |
| Tier 1 risk-based capital ratio | 15.2726% | 3,469 |
| Total risk-based capital ratio | 16.5187% | 3,430 |
| Memoranda: | ||
| Average total assets | $67,950,400 | 5,811 |
| Average earning assets | $60,620,800 | 5,847 |
| Average equity | $7,191,800 | 5,813 |
| Average total loans | $38,860,200 | 5,748 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 2,153 |
| Cost of funding earning assets | 0.8538% | 4,744 |
| Net interest margin | 4.3602% | 1,529 |
| Noninterest income to average assets | 1.4216% | 648 |
| Noninterest expense to average assets | 5.5750% | 247 |
| Loan and lease loss provision to assets | 0.1332% | 4,767 |
| Net operating income to assets | -0.3877% | 6,571 |
| Return on assets (ROA) | 0.0895% | 6,103 |
| Pretax return on assets | 0.0895% | 6,118 |
| Return on Equity (ROE) | 0.8346% | 6,098 |
| Retained earnings to average equity (ytd only) | 0.8346% | 5,673 |
| Net charge-offs to loans | 0.1347% | 4,704 |
| Credit loss provision to net charge-offs | 171.7949% | 1,750 |
| Earnings coverage of net charge-offs (x) | -3.2819% | 6,070 |
| Efficiency ratio | 104.7833% | 529 |
| Assets per employee ($millions) | 2.4506% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8625% | 2,739 |
| Loan loss allowance to noncurrent loans | 75.1254% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 2.6615% | 2,430 |
| Noncurrent loans to loans | 2.4792% | 2,796 |
| Net loans and leases to total assets | 59.6454% | 4,201 |
| Net loans and leases to deposits | 72.5753% | 3,878 |
| Net loans and leases to core deposits | 76.6400% | 4,105 |
| Total domestic deposits to total assets | 82.1842% | 5,021 |
| Equity capital to assets | 11.0283% | 3,116 |
| Core capital (leverage) ratio | 10.7004% | 2,664 |
| Tier 1 risk-based capital ratio | 15.5490% | 3,358 |
| Total risk-based capital ratio | 16.7821% | 3,328 |
| Memoranda: | ||
| Average total assets | $67,059,250 | 5,871 |
| Average earning assets | $59,964,750 | 5,908 |
| Average equity | $7,189,000 | 5,845 |
| Average total loans | $38,608,250 | 5,808 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 2,104 |
| Cost of funding earning assets | 0.8814% | 4,819 |
| Net interest margin | 4.3571% | 1,492 |
| Noninterest income to average assets | 1.4520% | 605 |
| Noninterest expense to average assets | 5.4070% | 279 |
| Loan and lease loss provision to assets | 0.1989% | 3,938 |
| Net operating income to assets | -0.2643% | 6,524 |
| Return on assets (ROA) | -0.1514% | 6,461 |
| Pretax return on assets | -0.1514% | 6,413 |
| Return on Equity (ROE) | -1.4260% | 6,460 |
| Retained earnings to average equity (ytd only) | -1.4260% | 6,143 |
| Net charge-offs to loans | 0.5253% | 2,520 |
| Credit loss provision to net charge-offs | 67.0000% | 4,141 |
| Earnings coverage of net charge-offs (x) | -0.2200% | 5,417 |
| Efficiency ratio | 101.2229% | 690 |
| Assets per employee ($millions) | 2.7492% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7154% | 3,275 |
| Loan loss allowance to noncurrent loans | 79.5376% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 2.1615% | 3,037 |
| Noncurrent loans to loans | 2.1567% | 3,275 |
| Net loans and leases to total assets | 55.1484% | 5,128 |
| Net loans and leases to deposits | 65.8729% | 5,019 |
| Net loans and leases to core deposits | 73.1404% | 4,691 |
| Total domestic deposits to total assets | 83.7195% | 4,467 |
| Equity capital to assets | 9.9933% | 4,161 |
| Core capital (leverage) ratio | 10.5752% | 2,640 |
| Tier 1 risk-based capital ratio | 16.6886% | 2,653 |
| Total risk-based capital ratio | 17.9416% | 2,612 |
| Memoranda: | ||
| Average total assets | $67,357,000 | 5,906 |
| Average earning assets | $60,132,000 | 5,953 |
| Average equity | $7,153,000 | 5,881 |
| Average total loans | $38,073,000 | 5,887 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0761% | 2,747 |
| Cost of funding earning assets | 0.9179% | 4,794 |
| Net interest margin | 4.1581% | 2,046 |
| Noninterest income to average assets | 1.5927% | 524 |
| Noninterest expense to average assets | 5.4521% | 269 |
| Loan and lease loss provision to assets | 0.4104% | 2,138 |
| Net operating income to assets | -0.5513% | 6,835 |
| Return on assets (ROA) | -0.5513% | 6,839 |
| Pretax return on assets | -0.5513% | 6,779 |
| Return on Equity (ROE) | -5.0293% | 6,810 |
| Retained earnings to average equity (ytd only) | -5.0293% | 6,518 |
| Net charge-offs to loans | 0.5937% | 2,011 |
| Credit loss provision to net charge-offs | 121.8182% | 2,246 |
| Earnings coverage of net charge-offs (x) | -0.4182% | 4,767 |
| Efficiency ratio | 102.6528% | 654 |
| Assets per employee ($millions) | 2.3400% | 7,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9378% | 2,572 |
| Loan loss allowance to noncurrent loans | 156.9593% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.9231% | 3,406 |
| Noncurrent loans to loans | 1.2346% | 4,621 |
| Net loans and leases to total assets | 56.6141% | 4,888 |
| Net loans and leases to deposits | 68.5118% | 4,606 |
| Net loans and leases to core deposits | 81.9717% | 3,458 |
| Total domestic deposits to total assets | 82.6340% | 5,050 |
| Equity capital to assets | 10.8701% | 2,806 |
| Core capital (leverage) ratio | 11.2119% | 2,021 |
| Tier 1 risk-based capital ratio | 16.9815% | 2,483 |
| Total risk-based capital ratio | 18.2125% | 2,466 |
| Memoranda: | ||
| Average total assets | $65,296,500 | 6,018 |
| Average earning assets | $58,391,500 | 6,051 |
| Average equity | $7,158,000 | 5,879 |
| Average total loans | $37,056,000 | 5,987 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7835% | 1,321 |
| Cost of funding earning assets | 1.0682% | 5,327 |
| Net interest margin | 4.7152% | 794 |
| Noninterest income to average assets | 1.9420% | 416 |
| Noninterest expense to average assets | 6.2131% | 208 |
| Loan and lease loss provision to assets | 1.0262% | 1,577 |
| Net operating income to assets | -1.1039% | 6,742 |
| Return on assets (ROA) | -0.9593% | 6,697 |
| Pretax return on assets | -0.9593% | 6,613 |
| Return on Equity (ROE) | -10.2604% | 6,738 |
| Retained earnings to average equity (ytd only) | -10.2604% | 6,672 |
| Net charge-offs to loans | 1.8240% | 1,152 |
| Credit loss provision to net charge-offs | 87.3016% | 5,234 |
| Earnings coverage of net charge-offs (x) | -0.0661% | 6,188 |
| Efficiency ratio | 101.2671% | 738 |
| Assets per employee ($millions) | 2.0992% | 7,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 2,338 |
| Loan loss allowance to noncurrent loans | 127.8369% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.9900% | 3,359 |
| Noncurrent loans to loans | 1.5543% | 4,169 |
| Net loans and leases to total assets | 54.6532% | 5,549 |
| Net loans and leases to deposits | 66.4568% | 5,342 |
| Net loans and leases to core deposits | 77.1810% | 4,568 |
| Total domestic deposits to total assets | 82.2387% | 5,110 |
| Equity capital to assets | 11.0551% | 2,639 |
| Core capital (leverage) ratio | 11.3587% | 1,918 |
| Tier 1 risk-based capital ratio | 15.6893% | 2,901 |
| Total risk-based capital ratio | 16.9277% | 2,869 |
| Memoranda: | ||
| Average total assets | $64,315,800 | 6,056 |
| Average earning assets | $57,197,600 | 6,092 |
| Average equity | $6,013,400 | 6,359 |
| Average total loans | $41,446,400 | 5,865 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9603% | 1,012 |
| Cost of funding earning assets | 1.1042% | 5,394 |
| Net interest margin | 4.8561% | 598 |
| Noninterest income to average assets | 2.0106% | 375 |
| Noninterest expense to average assets | 6.1460% | 211 |
| Loan and lease loss provision to assets | 1.2745% | 1,107 |
| Net operating income to assets | -1.1124% | 6,951 |
| Return on assets (ROA) | -0.9190% | 6,896 |
| Pretax return on assets | -0.9190% | 6,812 |
| Return on Equity (ROE) | -10.3060% | 6,942 |
| Retained earnings to average equity (ytd only) | -10.3060% | 6,893 |
| Net charge-offs to loans | 1.8188% | 1,058 |
| Credit loss provision to net charge-offs | 105.1458% | 4,075 |
| Earnings coverage of net charge-offs (x) | 0.1338% | 5,891 |
| Efficiency ratio | 97.4291% | 844 |
| Assets per employee ($millions) | 2.1267% | 7,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0918% | 2,018 |
| Loan loss allowance to noncurrent loans | 89.2518% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 3.4007% | 2,090 |
| Noncurrent loans to loans | 2.3437% | 3,295 |
| Net loans and leases to total assets | 60.1347% | 4,885 |
| Net loans and leases to deposits | 71.3694% | 4,932 |
| Net loans and leases to core deposits | 88.7369% | 3,281 |
| Total domestic deposits to total assets | 84.2583% | 3,978 |
| Equity capital to assets | 9.0267% | 5,545 |
| Core capital (leverage) ratio | 9.1074% | 4,520 |
| Tier 1 risk-based capital ratio | 13.1607% | 4,448 |
| Total risk-based capital ratio | 14.4037% | 4,441 |
| Memoranda: | ||
| Average total assets | $64,126,250 | 6,132 |
| Average earning assets | $56,752,250 | 6,174 |
| Average equity | $5,718,250 | 6,535 |
| Average total loans | $42,736,500 | 5,888 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0795% | 790 |
| Cost of funding earning assets | 1.1321% | 5,503 |
| Net interest margin | 4.9474% | 475 |
| Noninterest income to average assets | 2.0212% | 350 |
| Noninterest expense to average assets | 6.1927% | 209 |
| Loan and lease loss provision to assets | 1.9299% | 635 |
| Net operating income to assets | -1.7127% | 7,223 |
| Return on assets (ROA) | -1.5490% | 7,176 |
| Pretax return on assets | -1.5490% | 7,092 |
| Return on Equity (ROE) | -17.4447% | 7,214 |
| Retained earnings to average equity (ytd only) | -17.4447% | 7,182 |
| Net charge-offs to loans | 2.7872% | 588 |
| Credit loss provision to net charge-offs | 101.1551% | 4,031 |
| Earnings coverage of net charge-offs (x) | 0.1139% | 5,608 |
| Efficiency ratio | 96.6110% | 935 |
| Assets per employee ($millions) | 1.9923% | 7,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8976% | 2,416 |
| Loan loss allowance to noncurrent loans | 70.4876% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 2.6374% | 2,736 |
| Noncurrent loans to loans | 2.6921% | 2,958 |
| Net loans and leases to total assets | 64.7933% | 4,094 |
| Net loans and leases to deposits | 77.1204% | 4,140 |
| Net loans and leases to core deposits | 91.8023% | 3,013 |
| Total domestic deposits to total assets | 84.0158% | 4,102 |
| Equity capital to assets | 9.0621% | 5,349 |
| Core capital (leverage) ratio | 9.0547% | 4,516 |
| Tier 1 risk-based capital ratio | 12.9414% | 4,498 |
| Total risk-based capital ratio | 14.1847% | 4,464 |
| Memoranda: | ||
| Average total assets | $63,526,000 | 6,192 |
| Average earning assets | $56,353,000 | 6,228 |
| Average equity | $5,640,670 | 6,574 |
| Average total loans | $43,484,670 | 5,889 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3797% | 457 |
| Cost of funding earning assets | 1.1356% | 5,729 |
| Net interest margin | 5.2441% | 264 |
| Noninterest income to average assets | 2.1213% | 316 |
| Noninterest expense to average assets | 6.2804% | 189 |
| Loan and lease loss provision to assets | 0.0769% | 5,873 |
| Net operating income to assets | 0.4102% | 4,793 |
| Return on assets (ROA) | 0.6537% | 3,759 |
| Pretax return on assets | 0.6537% | 4,394 |
| Return on Equity (ROE) | 7.4425% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.4425% | 1,951 |
| Net charge-offs to loans | -0.0092% | 6,875 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8030% | 1,220 |
| Assets per employee ($millions) | 1.9145% | 7,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8249% | 2,658 |
| Loan loss allowance to noncurrent loans | 48.6804% | 5,087 |
| Noncurrent assets plus other real estate owned to assets | 3.5929% | 1,954 |
| Noncurrent loans to loans | 3.7487% | 2,118 |
| Net loans and leases to total assets | 70.6743% | 2,763 |
| Net loans and leases to deposits | 83.6979% | 2,988 |
| Net loans and leases to core deposits | 105.7979% | 1,594 |
| Total domestic deposits to total assets | 84.4397% | 3,922 |
| Equity capital to assets | 8.7464% | 5,659 |
| Core capital (leverage) ratio | 8.9192% | 4,699 |
| Tier 1 risk-based capital ratio | 11.3062% | 5,847 |
| Total risk-based capital ratio | 12.5752% | 5,803 |
| Memoranda: | ||
| Average total assets | $62,416,000 | 6,292 |
| Average earning assets | $55,300,000 | 6,350 |
| Average equity | $5,482,000 | 6,682 |
| Average total loans | $43,515,500 | 5,961 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7600% | 2,819 |
| Cost of funding earning assets | 1.3644% | 6,074 |
| Net interest margin | 4.3956% | 1,442 |
| Noninterest income to average assets | 1.8511% | 434 |
| Noninterest expense to average assets | 7.3327% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -1.6467% | 6,931 |
| Return on assets (ROA) | -1.4338% | 6,826 |
| Pretax return on assets | -1.4338% | 6,659 |
| Return on Equity (ROE) | -14.5433% | 6,911 |
| Retained earnings to average equity (ytd only) | -14.5433% | 6,856 |
| Net charge-offs to loans | -0.3909% | 7,936 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.9608% | 488 |
| Assets per employee ($millions) | 1.9266% | 7,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 2,100 |
| Loan loss allowance to noncurrent loans | 76.0000% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 2.6601% | 2,636 |
| Noncurrent loans to loans | 2.5873% | 2,971 |
| Net loans and leases to total assets | 66.0676% | 4,131 |
| Net loans and leases to deposits | 78.8326% | 4,209 |
| Net loans and leases to core deposits | 116.2542% | 2,291 |
| Total domestic deposits to total assets | 83.8075% | 4,122 |
| Equity capital to assets | 8.8205% | 5,396 |
| Core capital (leverage) ratio | 8.8414% | 4,699 |
| Tier 1 risk-based capital ratio | 11.9424% | 4,996 |
| Total risk-based capital ratio | 13.2200% | 4,924 |
| Memoranda: | ||
| Average total assets | $58,723,200 | 6,399 |
| Average earning assets | $51,232,600 | 6,486 |
| Average equity | $5,789,600 | 6,679 |
| Average total loans | $41,949,400 | 6,017 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8498% | 2,667 |
| Cost of funding earning assets | 1.4142% | 6,172 |
| Net interest margin | 4.4356% | 1,351 |
| Noninterest income to average assets | 1.8508% | 433 |
| Noninterest expense to average assets | 7.4538% | 176 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -1.7450% | 7,212 |
| Return on assets (ROA) | -1.7450% | 7,215 |
| Pretax return on assets | -1.7450% | 7,067 |
| Return on Equity (ROE) | -17.2177% | 7,281 |
| Retained earnings to average equity (ytd only) | -17.2177% | 7,242 |
| Net charge-offs to loans | -0.5898% | 8,028 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.5679% | 469 |
| Assets per employee ($millions) | 1.8406% | 7,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9928% | 1,820 |
| Loan loss allowance to noncurrent loans | 67.9352% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 2.4531% | 2,805 |
| Noncurrent loans to loans | 2.9334% | 2,597 |
| Net loans and leases to total assets | 67.9333% | 3,980 |
| Net loans and leases to deposits | 81.5632% | 4,106 |
| Net loans and leases to core deposits | 116.4409% | 2,577 |
| Total domestic deposits to total assets | 83.2892% | 4,068 |
| Equity capital to assets | 9.3498% | 4,956 |
| Core capital (leverage) ratio | 9.5708% | 3,823 |
| Tier 1 risk-based capital ratio | 11.7587% | 5,191 |
| Total risk-based capital ratio | 13.0511% | 5,096 |
| Memoranda: | ||
| Average total assets | $57,991,000 | 6,466 |
| Average earning assets | $50,439,500 | 6,560 |
| Average equity | $5,877,500 | 6,716 |
| Average total loans | $42,049,500 | 6,066 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9889% | 2,228 |
| Cost of funding earning assets | 1.4922% | 6,173 |
| Net interest margin | 4.4968% | 1,173 |
| Noninterest income to average assets | 1.5243% | 639 |
| Noninterest expense to average assets | 7.8038% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -2.4039% | 7,536 |
| Return on assets (ROA) | -2.4039% | 7,530 |
| Pretax return on assets | -2.4039% | 7,394 |
| Return on Equity (ROE) | -23.0834% | 7,591 |
| Retained earnings to average equity (ytd only) | -23.0834% | 7,550 |
| Net charge-offs to loans | -0.1094% | 7,965 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.5165% | 399 |
| Assets per employee ($millions) | 1.8305% | 7,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6113% | 2,689 |
| Loan loss allowance to noncurrent loans | 47.4386% | 5,195 |
| Noncurrent assets plus other real estate owned to assets | 2.9446% | 2,168 |
| Noncurrent loans to loans | 3.3965% | 2,074 |
| Net loans and leases to total assets | 75.1689% | 2,397 |
| Net loans and leases to deposits | 91.8904% | 2,491 |
| Net loans and leases to core deposits | 111.7521% | 3,161 |
| Total domestic deposits to total assets | 81.8028% | 4,770 |
| Equity capital to assets | 10.2631% | 3,651 |
| Core capital (leverage) ratio | 9.9849% | 3,314 |
| Tier 1 risk-based capital ratio | 12.2281% | 4,734 |
| Total risk-based capital ratio | 13.4291% | 4,686 |
| Memoranda: | ||
| Average total assets | $57,075,000 | 6,549 |
| Average earning assets | $49,190,670 | 6,665 |
| Average equity | $5,943,670 | 6,740 |
| Average total loans | $42,032,330 | 6,112 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9732% | 2,469 |
| Cost of funding earning assets | 1.5435% | 6,263 |
| Net interest margin | 4.4297% | 1,275 |
| Noninterest income to average assets | 1.4031% | 716 |
| Noninterest expense to average assets | 7.2633% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -2.0703% | 7,677 |
| Return on assets (ROA) | -2.0703% | 7,672 |
| Pretax return on assets | -2.0703% | 7,551 |
| Return on Equity (ROE) | -19.7458% | 7,747 |
| Retained earnings to average equity (ytd only) | -19.7458% | 7,637 |
| Net charge-offs to loans | -0.6465% | 8,130 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 139.8675% | 410 |
| Assets per employee ($millions) | 1.5688% | 8,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7251% | 2,059 |
| Loan loss allowance to noncurrent loans | 61.2574% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 2.1956% | 2,602 |
| Noncurrent loans to loans | 2.8162% | 2,324 |
| Net loans and leases to total assets | 72.7252% | 3,066 |
| Net loans and leases to deposits | 88.9392% | 3,118 |
| Net loans and leases to core deposits | 106.1647% | 3,890 |
| Total domestic deposits to total assets | 81.7696% | 4,647 |
| Equity capital to assets | 10.5193% | 3,441 |
| Core capital (leverage) ratio | 10.5752% | 2,843 |
| Tier 1 risk-based capital ratio | 13.1828% | 4,062 |
| Total risk-based capital ratio | 14.4492% | 3,973 |
| Memoranda: | ||
| Average total assets | $58,155,000 | 6,540 |
| Average earning assets | $49,755,500 | 6,670 |
| Average equity | $6,097,500 | 6,727 |
| Average total loans | $42,071,000 | 6,139 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4045% | 3,395 |
| Cost of funding earning assets | 1.6598% | 7,341 |
| Net interest margin | 4.7447% | 879 |
| Noninterest income to average assets | 1.6584% | 503 |
| Noninterest expense to average assets | 10.9036% | 122 |
| Loan and lease loss provision to assets | 1.8037% | 700 |
| Net operating income to assets | -6.8550% | 8,190 |
| Return on assets (ROA) | -6.8550% | 8,186 |
| Pretax return on assets | -6.8550% | 8,156 |
| Return on Equity (ROE) | -45.4952% | 8,125 |
| Retained earnings to average equity (ytd only) | -45.4952% | 8,099 |
| Net charge-offs to loans | 2.5338% | 373 |
| Credit loss provision to net charge-offs | 102.1063% | 5,213 |
| Earnings coverage of net charge-offs (x) | -2.8596% | 6,758 |
| Efficiency ratio | 186.3155% | 228 |
| Assets per employee ($millions) | 1.7095% | 8,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 2,492 |
| Loan loss allowance to noncurrent loans | 104.9839% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 1.0981% | 4,087 |
| Noncurrent loans to loans | 1.4688% | 3,596 |
| Net loans and leases to total assets | 69.6856% | 4,091 |
| Net loans and leases to deposits | 85.0866% | 4,241 |
| Net loans and leases to core deposits | 109.4443% | 3,814 |
| Total domestic deposits to total assets | 81.8996% | 4,240 |
| Equity capital to assets | 10.4524% | 3,555 |
| Core capital (leverage) ratio | 10.6207% | 2,886 |
| Tier 1 risk-based capital ratio | 13.7713% | 3,660 |
| Total risk-based capital ratio | 15.0348% | 3,571 |
| Memoranda: | ||
| Average total assets | $56,440,200 | 6,510 |
| Average earning assets | $49,886,800 | 6,593 |
| Average equity | $8,504,200 | 5,905 |
| Average total loans | $39,348,600 | 6,204 |