Home > Valley Bank of Nevada > Performance and Condition Ratios
Valley Bank of Nevada, 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 | 4.6019% | 2,889 |
| Cost of funding earning assets | 0.3930% | 4,303 |
| Net interest margin | 4.2089% | 922 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 2.6950% | 1,745 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.0194% | 2,154 |
| Return on assets (ROA) | 1.0194% | 2,136 |
| Pretax return on assets | 1.3067% | 1,853 |
| Return on Equity (ROE) | 12.5600% | 1,829 |
| Retained earnings to average equity (ytd only) | 12.5630% | 567 |
| Net charge-offs to loans | 0.0991% | 915 |
| Credit loss provision to net charge-offs | 61.1570% | 2,142 |
| Earnings coverage of net charge-offs (x) | 24.0661% | 1,774 |
| Efficiency ratio | 66.7770% | 2,252 |
| Assets per employee ($millions) | 8.2196% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5777% | 875 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.3177% | 1,677 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 53.8000% | 3,367 |
| Net loans and leases to deposits | 60.5255% | 3,492 |
| Net loans and leases to core deposits | 60.8125% | 3,736 |
| Total domestic deposits to total assets | 88.8900% | 1,099 |
| Equity capital to assets | 8.6460% | 2,937 |
| Core capital (leverage) ratio | 8.5633% | 4,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0778% | 1,514 |
| Memoranda: | ||
| Average total assets | $217,180,600 | 2,861 |
| Average earning assets | $202,807,200 | 2,839 |
| Average equity | $17,623,200 | 3,042 |
| Average total loans | $122,116,400 | 2,933 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 2,885 |
| Cost of funding earning assets | 0.3271% | 4,336 |
| Net interest margin | 4.1849% | 943 |
| Noninterest income to average assets | 0.1000% | 4,299 |
| Noninterest expense to average assets | 2.7574% | 1,527 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.8938% | 2,702 |
| Return on assets (ROA) | 0.8938% | 2,691 |
| Pretax return on assets | 1.1457% | 2,439 |
| Return on Equity (ROE) | 11.2000% | 2,325 |
| Retained earnings to average equity (ytd only) | 11.2037% | 1,127 |
| Net charge-offs to loans | 0.0807% | 917 |
| Credit loss provision to net charge-offs | 202.7027% | 1,110 |
| Earnings coverage of net charge-offs (x) | 27.1081% | 1,649 |
| Efficiency ratio | 69.0097% | 1,901 |
| Assets per employee ($millions) | 8.3109% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6412% | 802 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 1,761 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 54.4000% | 3,330 |
| Net loans and leases to deposits | 60.7273% | 3,460 |
| Net loans and leases to core deposits | 61.0095% | 3,657 |
| Total domestic deposits to total assets | 89.5900% | 1,042 |
| Equity capital to assets | 7.9966% | 3,062 |
| Core capital (leverage) ratio | 8.3873% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7531% | 1,986 |
| Memoranda: | ||
| Average total assets | $215,993,250 | 2,879 |
| Average earning assets | $200,938,250 | 2,868 |
| Average equity | $17,232,000 | 3,064 |
| Average total loans | $122,316,750 | 2,926 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 2,803 |
| Cost of funding earning assets | 0.2166% | 4,414 |
| Net interest margin | 4.2190% | 910 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 2.8678% | 1,284 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.8265% | 2,996 |
| Return on assets (ROA) | 0.8265% | 3,008 |
| Pretax return on assets | 1.0601% | 2,747 |
| Return on Equity (ROE) | 10.3700% | 2,605 |
| Retained earnings to average equity (ytd only) | 10.3680% | 1,316 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.4753% | 1,619 |
| Assets per employee ($millions) | 7.8779% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6192% | 898 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3196% | 1,643 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 56.5000% | 3,083 |
| Net loans and leases to deposits | 63.0808% | 3,249 |
| Net loans and leases to core deposits | 63.3792% | 3,482 |
| Total domestic deposits to total assets | 89.5600% | 1,066 |
| Equity capital to assets | 7.8819% | 3,290 |
| Core capital (leverage) ratio | 8.3877% | 4,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1594% | 2,231 |
| Memoranda: | ||
| Average total assets | $213,193,000 | 2,905 |
| Average earning assets | $197,581,000 | 2,906 |
| Average equity | $16,994,667 | 3,105 |
| Average total loans | $121,716,667 | 2,925 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 2,435 |
| Cost of funding earning assets | 0.0557% | 4,570 |
| Net interest margin | 4.3905% | 695 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 2.7303% | 1,595 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 1.1170% | 2,173 |
| Return on assets (ROA) | 1.1170% | 2,140 |
| Pretax return on assets | 1.4320% | 1,808 |
| Return on Equity (ROE) | 13.9300% | 1,791 |
| Retained earnings to average equity (ytd only) | 13.9294% | 952 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.5062% | 2,269 |
| Assets per employee ($millions) | 7.5277% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6341% | 940 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3469% | 1,481 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 58.1700% | 2,856 |
| Net loans and leases to deposits | 65.5229% | 2,970 |
| Net loans and leases to core deposits | 65.8620% | 3,237 |
| Total domestic deposits to total assets | 88.7800% | 1,623 |
| Equity capital to assets | 8.4985% | 2,892 |
| Core capital (leverage) ratio | 8.2398% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9160% | 1,998 |
| Memoranda: | ||
| Average total assets | $209,498,500 | 2,975 |
| Average earning assets | $193,874,500 | 2,971 |
| Average equity | $16,799,000 | 3,144 |
| Average total loans | $119,240,500 | 2,985 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2466% | 3,728 |
| Cost of funding earning assets | 0.0564% | 4,561 |
| Net interest margin | 3.1902% | 2,891 |
| Noninterest income to average assets | 0.9300% | 743 |
| Noninterest expense to average assets | 2.5717% | 1,897 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0259% | 2,477 |
| Return on assets (ROA) | 1.0259% | 2,420 |
| Pretax return on assets | 1.3285% | 1,997 |
| Return on Equity (ROE) | 14.3000% | 1,464 |
| Retained earnings to average equity (ytd only) | 14.2955% | 351 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.6894% | 2,271 |
| Assets per employee ($millions) | 8.2981% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 862 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 1,478 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 53.9200% | 3,208 |
| Net loans and leases to deposits | 60.0124% | 3,323 |
| Net loans and leases to core deposits | 60.4038% | 3,486 |
| Total domestic deposits to total assets | 89.8500% | 1,433 |
| Equity capital to assets | 7.5666% | 3,342 |
| Core capital (leverage) ratio | 7.8099% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8719% | 2,427 |
| Memoranda: | ||
| Average total assets | $210,837,200 | 2,972 |
| Average earning assets | $196,944,000 | 2,959 |
| Average equity | $15,130,600 | 3,357 |
| Average total loans | $111,422,600 | 3,011 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6704% | 4,184 |
| Cost of funding earning assets | 0.0563% | 4,555 |
| Net interest margin | 2.6141% | 3,878 |
| Noninterest income to average assets | 0.0987% | 4,488 |
| Noninterest expense to average assets | 2.6781% | 1,442 |
| Loan and lease loss provision to assets | 0.0297% | 2,054 |
| Net operating income to assets | -0.1601% | 4,634 |
| Return on assets (ROA) | -0.1601% | 4,606 |
| Pretax return on assets | -0.1601% | 4,594 |
| Return on Equity (ROE) | -2.2272% | 4,622 |
| Retained earnings to average equity (ytd only) | -2.2272% | 4,399 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1166% | 141 |
| Assets per employee ($millions) | 7.8516% | 1,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7440% | 881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 1,600 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 52.1156% | 3,139 |
| Net loans and leases to deposits | 56.5375% | 3,338 |
| Net loans and leases to core deposits | 56.9029% | 3,498 |
| Total domestic deposits to total assets | 92.1790% | 768 |
| Equity capital to assets | 6.8371% | 3,849 |
| Core capital (leverage) ratio | 6.6632% | 4,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8525% | 2,847 |
| Memoranda: | ||
| Average total assets | $208,657,000 | 3,037 |
| Average earning assets | $195,477,000 | 3,023 |
| Average equity | $14,996,333 | 3,489 |
| Average total loans | $107,597,000 | 3,099 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5474% | 4,201 |
| Cost of funding earning assets | 0.0575% | 4,545 |
| Net interest margin | 2.4899% | 3,918 |
| Noninterest income to average assets | 0.0947% | 4,529 |
| Noninterest expense to average assets | 2.7306% | 1,290 |
| Loan and lease loss provision to assets | 0.0599% | 1,333 |
| Net operating income to assets | -0.3517% | 4,674 |
| Return on assets (ROA) | -0.3517% | 4,658 |
| Pretax return on assets | -0.3517% | 4,650 |
| Return on Equity (ROE) | -4.7746% | 4,702 |
| Retained earnings to average equity (ytd only) | -4.7746% | 4,416 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9651% | 117 |
| Assets per employee ($millions) | 8.0394% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8301% | 834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 1,686 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 50.3260% | 3,137 |
| Net loans and leases to deposits | 54.7509% | 3,361 |
| Net loans and leases to core deposits | 55.7033% | 3,468 |
| Total domestic deposits to total assets | 91.9182% | 608 |
| Equity capital to assets | 7.0575% | 4,185 |
| Core capital (leverage) ratio | 6.7295% | 4,731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5739% | 2,753 |
| Memoranda: | ||
| Average total assets | $206,989,500 | 3,060 |
| Average earning assets | $194,868,500 | 3,045 |
| Average equity | $15,247,500 | 3,541 |
| Average total loans | $105,174,500 | 3,125 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6394% | 4,374 |
| Cost of funding earning assets | 0.0616% | 4,636 |
| Net interest margin | 2.5779% | 4,081 |
| Noninterest income to average assets | 0.1958% | 4,187 |
| Noninterest expense to average assets | 2.4371% | 2,370 |
| Loan and lease loss provision to assets | 0.0760% | 1,597 |
| Net operating income to assets | 0.0828% | 4,632 |
| Return on assets (ROA) | 0.0828% | 4,643 |
| Pretax return on assets | 0.1063% | 4,633 |
| Return on Equity (ROE) | 1.1586% | 4,594 |
| Retained earnings to average equity (ytd only) | 1.1586% | 4,214 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0421% | 245 |
| Assets per employee ($millions) | 7.3198% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8703% | 767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3762% | 1,722 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 49.4082% | 3,360 |
| Net loans and leases to deposits | 53.6965% | 3,619 |
| Net loans and leases to core deposits | 54.7364% | 3,707 |
| Total domestic deposits to total assets | 92.0138% | 173 |
| Equity capital to assets | 7.6812% | 4,508 |
| Core capital (leverage) ratio | 6.3404% | 4,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5591% | 2,427 |
| Memoranda: | ||
| Average total assets | $221,120,200 | 2,894 |
| Average earning assets | $207,884,600 | 2,897 |
| Average equity | $15,795,200 | 3,560 |
| Average total loans | $107,759,200 | 3,107 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5400% | 4,547 |
| Cost of funding earning assets | 0.0606% | 4,735 |
| Net interest margin | 2.4795% | 4,314 |
| Noninterest income to average assets | 0.0266% | 4,837 |
| Noninterest expense to average assets | 2.3420% | 2,627 |
| Loan and lease loss provision to assets | 0.0995% | 1,207 |
| Net operating income to assets | -0.0882% | 4,766 |
| Return on assets (ROA) | -0.0882% | 4,774 |
| Pretax return on assets | -0.0882% | 4,774 |
| Return on Equity (ROE) | -1.2567% | 4,795 |
| Retained earnings to average equity (ytd only) | -1.2567% | 4,675 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5219% | 162 |
| Assets per employee ($millions) | 8.1105% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 1,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3395% | 2,082 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 48.0299% | 3,626 |
| Net loans and leases to deposits | 51.7319% | 3,902 |
| Net loans and leases to core deposits | 52.6259% | 4,005 |
| Total domestic deposits to total assets | 92.8439% | 43 |
| Equity capital to assets | 6.8822% | 4,832 |
| Core capital (leverage) ratio | 6.0115% | 4,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3430% | 2,599 |
| Memoranda: | ||
| Average total assets | $225,161,750 | 2,907 |
| Average earning assets | $211,277,000 | 2,892 |
| Average equity | $15,808,250 | 3,602 |
| Average total loans | $108,900,500 | 3,133 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5945% | 4,549 |
| Cost of funding earning assets | 0.0580% | 4,792 |
| Net interest margin | 2.5365% | 4,265 |
| Noninterest income to average assets | 0.0303% | 4,870 |
| Noninterest expense to average assets | 2.3294% | 2,678 |
| Loan and lease loss provision to assets | 0.1016% | 1,251 |
| Net operating income to assets | -0.0232% | 4,777 |
| Return on assets (ROA) | -0.0232% | 4,788 |
| Pretax return on assets | -0.0232% | 4,788 |
| Return on Equity (ROE) | -0.3277% | 4,793 |
| Retained earnings to average equity (ytd only) | -0.3277% | 4,550 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7444% | 204 |
| Assets per employee ($millions) | 7.3598% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 989 |
| Loan loss allowance to noncurrent loans | 1,389.6296% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.4441% | 1,854 |
| Noncurrent loans to loans | 0.1252% | 3,561 |
| Net loans and leases to total assets | 44.9789% | 3,977 |
| Net loans and leases to deposits | 48.3540% | 4,195 |
| Net loans and leases to core deposits | 49.1573% | 4,274 |
| Total domestic deposits to total assets | 93.0200% | 33 |
| Equity capital to assets | 6.6917% | 4,883 |
| Core capital (leverage) ratio | 6.2586% | 4,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1961% | 2,295 |
| Memoranda: | ||
| Average total assets | $224,517,667 | 2,904 |
| Average earning assets | $210,447,333 | 2,902 |
| Average equity | $15,868,000 | 3,598 |
| Average total loans | $108,199,667 | 3,150 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7482% | 4,432 |
| Cost of funding earning assets | 0.0584% | 4,828 |
| Net interest margin | 2.6898% | 3,988 |
| Noninterest income to average assets | 0.0603% | 4,826 |
| Noninterest expense to average assets | 2.0911% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3835% | 4,389 |
| Return on assets (ROA) | 0.3835% | 4,417 |
| Pretax return on assets | 0.4913% | 4,367 |
| Return on Equity (ROE) | 5.2757% | 4,034 |
| Retained earnings to average equity (ytd only) | 5.2757% | 3,133 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9760% | 757 |
| Assets per employee ($millions) | 8.4383% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 1,206 |
| Loan loss allowance to noncurrent loans | 342.8016% | 1,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 1,483 |
| Noncurrent loans to loans | 0.4764% | 2,417 |
| Net loans and leases to total assets | 46.5854% | 3,916 |
| Net loans and leases to deposits | 50.2490% | 4,144 |
| Net loans and leases to core deposits | 51.1149% | 4,235 |
| Total domestic deposits to total assets | 92.7091% | 56 |
| Equity capital to assets | 7.0073% | 4,844 |
| Core capital (leverage) ratio | 6.9842% | 4,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7219% | 1,669 |
| Memoranda: | ||
| Average total assets | $219,019,000 | 2,937 |
| Average earning assets | $205,371,000 | 2,926 |
| Average equity | $15,922,000 | 3,606 |
| Average total loans | $108,395,500 | 3,151 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4040% | 4,190 |
| Cost of funding earning assets | 0.1613% | 4,698 |
| Net interest margin | 3.2427% | 3,237 |
| Noninterest income to average assets | 0.1158% | 4,687 |
| Noninterest expense to average assets | 2.4324% | 3,046 |
| Loan and lease loss provision to assets | 0.0962% | 3,144 |
| Net operating income to assets | 0.4589% | 4,119 |
| Return on assets (ROA) | 0.4589% | 4,200 |
| Pretax return on assets | 0.5972% | 4,089 |
| Return on Equity (ROE) | 5.4730% | 3,758 |
| Retained earnings to average equity (ytd only) | 5.4730% | 2,061 |
| Net charge-offs to loans | 0.0217% | 2,623 |
| Credit loss provision to net charge-offs | 733.3333% | 974 |
| Earnings coverage of net charge-offs (x) | 52.8750% | 1,147 |
| Efficiency ratio | 77.8186% | 1,044 |
| Assets per employee ($millions) | 8.0848% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 1,243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 2,235 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 50.9645% | 3,748 |
| Net loans and leases to deposits | 55.3040% | 4,046 |
| Net loans and leases to core deposits | 56.3439% | 4,134 |
| Total domestic deposits to total assets | 92.1534% | 56 |
| Equity capital to assets | 7.5541% | 4,830 |
| Core capital (leverage) ratio | 6.9181% | 4,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4126% | 1,711 |
| Memoranda: | ||
| Average total assets | $183,031,000 | 3,078 |
| Average earning assets | $169,889,400 | 3,072 |
| Average equity | $15,348,200 | 3,626 |
| Average total loans | $110,474,200 | 3,094 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3863% | 4,362 |
| Cost of funding earning assets | 0.1953% | 4,691 |
| Net interest margin | 3.1910% | 3,509 |
| Noninterest income to average assets | 0.0613% | 4,873 |
| Noninterest expense to average assets | 2.4799% | 2,909 |
| Loan and lease loss provision to assets | 0.1333% | 2,687 |
| Net operating income to assets | 0.3140% | 4,421 |
| Return on assets (ROA) | 0.3140% | 4,472 |
| Pretax return on assets | 0.4025% | 4,427 |
| Return on Equity (ROE) | 3.6366% | 4,260 |
| Retained earnings to average equity (ytd only) | 3.6366% | 3,233 |
| Net charge-offs to loans | 0.0505% | 1,890 |
| Credit loss provision to net charge-offs | 419.0476% | 1,424 |
| Earnings coverage of net charge-offs (x) | 16.8571% | 2,042 |
| Efficiency ratio | 82.2378% | 722 |
| Assets per employee ($millions) | 7.7163% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 1,906 |
| Loan loss allowance to noncurrent loans | 174,400.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.9939% | 1,126 |
| Noncurrent loans to loans | 0.0008% | 4,469 |
| Net loans and leases to total assets | 62.8913% | 2,898 |
| Net loans and leases to deposits | 69.1904% | 3,383 |
| Net loans and leases to core deposits | 70.5941% | 3,585 |
| Total domestic deposits to total assets | 90.8959% | 194 |
| Equity capital to assets | 7.7070% | 4,803 |
| Core capital (leverage) ratio | 6.7813% | 4,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5619% | 1,977 |
| Memoranda: | ||
| Average total assets | $176,237,500 | 3,122 |
| Average earning assets | $163,162,250 | 3,126 |
| Average equity | $15,215,500 | 3,636 |
| Average total loans | $110,869,750 | 3,095 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5300% | 4,376 |
| Cost of funding earning assets | 0.2359% | 4,666 |
| Net interest margin | 3.2942% | 3,403 |
| Noninterest income to average assets | 0.0595% | 4,889 |
| Noninterest expense to average assets | 2.4853% | 3,004 |
| Loan and lease loss provision to assets | 0.2082% | 1,974 |
| Net operating income to assets | 0.3177% | 4,387 |
| Return on assets (ROA) | 0.3177% | 4,437 |
| Pretax return on assets | 0.4069% | 4,399 |
| Return on Equity (ROE) | 3.5286% | 4,234 |
| Retained earnings to average equity (ytd only) | 3.5286% | 3,161 |
| Net charge-offs to loans | 0.0437% | 1,871 |
| Credit loss provision to net charge-offs | 760.8696% | 945 |
| Earnings coverage of net charge-offs (x) | 22.4783% | 1,625 |
| Efficiency ratio | 80.1612% | 882 |
| Assets per employee ($millions) | 7.7575% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 1,696 |
| Loan loss allowance to noncurrent loans | 2,481.6901% | 250 |
| Noncurrent assets plus other real estate owned to assets | 1.0233% | 1,165 |
| Noncurrent loans to loans | 0.0552% | 4,259 |
| Net loans and leases to total assets | 62.9487% | 3,015 |
| Net loans and leases to deposits | 69.1557% | 3,487 |
| Net loans and leases to core deposits | 72.1704% | 3,583 |
| Total domestic deposits to total assets | 91.0246% | 142 |
| Equity capital to assets | 7.5946% | 4,855 |
| Core capital (leverage) ratio | 7.2854% | 4,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0665% | 2,150 |
| Memoranda: | ||
| Average total assets | $168,108,667 | 3,175 |
| Average earning assets | $155,183,000 | 3,177 |
| Average equity | $15,133,333 | 3,642 |
| Average total loans | $105,186,667 | 3,164 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,912 |
| Cost of funding earning assets | 0.3101% | 4,628 |
| Net interest margin | 3.6440% | 2,528 |
| Noninterest income to average assets | 0.0819% | 4,888 |
| Noninterest expense to average assets | 3.1960% | 1,434 |
| Loan and lease loss provision to assets | 0.2511% | 1,236 |
| Net operating income to assets | -0.0106% | 4,758 |
| Return on assets (ROA) | -0.0106% | 4,749 |
| Pretax return on assets | -0.0106% | 4,740 |
| Return on Equity (ROE) | -0.1064% | 4,749 |
| Retained earnings to average equity (ytd only) | -0.1064% | 4,007 |
| Net charge-offs to loans | 0.0985% | 1,092 |
| Credit loss provision to net charge-offs | 413.0435% | 980 |
| Earnings coverage of net charge-offs (x) | 3.9565% | 2,172 |
| Efficiency ratio | 93.0000% | 401 |
| Assets per employee ($millions) | 6.1596% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 746 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2942% | 904 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 60.4394% | 3,451 |
| Net loans and leases to deposits | 67.2612% | 3,775 |
| Net loans and leases to core deposits | 71.1958% | 3,806 |
| Total domestic deposits to total assets | 89.8577% | 370 |
| Equity capital to assets | 9.7715% | 3,978 |
| Core capital (leverage) ratio | 8.5021% | 4,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4387% | 2,512 |
| Memoranda: | ||
| Average total assets | $151,315,000 | 3,309 |
| Average earning assets | $139,298,000 | 3,319 |
| Average equity | $15,041,000 | 3,657 |
| Average total loans | $93,416,500 | 3,334 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6757% | 2,402 |
| Cost of funding earning assets | 0.2101% | 4,940 |
| Net interest margin | 4.4657% | 774 |
| Noninterest income to average assets | 0.1107% | 4,899 |
| Noninterest expense to average assets | 3.3999% | 1,118 |
| Loan and lease loss provision to assets | 0.0961% | 2,117 |
| Net operating income to assets | 0.5258% | 4,345 |
| Return on assets (ROA) | 0.5258% | 4,394 |
| Pretax return on assets | 0.6860% | 4,239 |
| Return on Equity (ROE) | 4.9712% | 4,215 |
| Retained earnings to average equity (ytd only) | 4.9712% | 2,437 |
| Net charge-offs to loans | 0.0803% | 1,959 |
| Credit loss provision to net charge-offs | 185.9155% | 1,421 |
| Earnings coverage of net charge-offs (x) | 15.1268% | 2,248 |
| Efficiency ratio | 81.2990% | 846 |
| Assets per employee ($millions) | 6.1934% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3408% | 807 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 60.8654% | 3,516 |
| Net loans and leases to deposits | 67.9916% | 3,820 |
| Net loans and leases to core deposits | 73.7173% | 3,744 |
| Total domestic deposits to total assets | 89.5190% | 482 |
| Equity capital to assets | 10.1150% | 3,821 |
| Core capital (leverage) ratio | 9.0708% | 4,466 |
| Tier 1 risk-based capital ratio | 12.3517% | 4,161 |
| Total risk-based capital ratio | 13.6063% | 4,020 |
| Memoranda: | ||
| Average total assets | $137,326,400 | 3,471 |
| Average earning assets | $125,199,400 | 3,492 |
| Average equity | $14,523,600 | 3,688 |
| Average total loans | $88,408,400 | 3,438 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 3,021 |
| Cost of funding earning assets | 0.1820% | 5,069 |
| Net interest margin | 4.3312% | 1,099 |
| Noninterest income to average assets | 0.1140% | 4,940 |
| Noninterest expense to average assets | 3.5459% | 905 |
| Loan and lease loss provision to assets | 0.1309% | 1,478 |
| Net operating income to assets | 0.2944% | 4,849 |
| Return on assets (ROA) | 0.2944% | 4,868 |
| Pretax return on assets | 0.3777% | 4,831 |
| Return on Equity (ROE) | 2.7507% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.7507% | 3,991 |
| Net charge-offs to loans | 0.1082% | 1,387 |
| Credit loss provision to net charge-offs | 185.9155% | 1,396 |
| Earnings coverage of net charge-offs (x) | 7.2256% | 2,762 |
| Efficiency ratio | 87.4572% | 428 |
| Assets per employee ($millions) | 5.7275% | 1,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 737 |
| Loan loss allowance to noncurrent loans | 79.2323% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 2.8110% | 204 |
| Noncurrent loans to loans | 2.2182% | 570 |
| Net loans and leases to total assets | 62.8523% | 3,402 |
| Net loans and leases to deposits | 70.3305% | 3,750 |
| Net loans and leases to core deposits | 76.4306% | 3,669 |
| Total domestic deposits to total assets | 89.3671% | 489 |
| Equity capital to assets | 10.2020% | 3,824 |
| Core capital (leverage) ratio | 9.2461% | 4,433 |
| Tier 1 risk-based capital ratio | 11.6673% | 4,583 |
| Total risk-based capital ratio | 12.9215% | 4,489 |
| Memoranda: | ||
| Average total assets | $134,497,750 | 3,546 |
| Average earning assets | $122,366,250 | 3,566 |
| Average equity | $14,395,750 | 3,729 |
| Average total loans | $87,490,250 | 3,502 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5347% | 2,902 |
| Cost of funding earning assets | 0.1640% | 5,136 |
| Net interest margin | 4.3707% | 995 |
| Noninterest income to average assets | 0.1064% | 5,009 |
| Noninterest expense to average assets | 3.7006% | 752 |
| Loan and lease loss provision to assets | 0.2006% | 856 |
| Net operating income to assets | 0.1353% | 5,036 |
| Return on assets (ROA) | 0.1353% | 5,048 |
| Pretax return on assets | 0.1733% | 5,036 |
| Return on Equity (ROE) | 1.2426% | 5,025 |
| Retained earnings to average equity (ytd only) | 1.2426% | 4,369 |
| Net charge-offs to loans | 0.1649% | 970 |
| Credit loss provision to net charge-offs | 185.9155% | 1,286 |
| Earnings coverage of net charge-offs (x) | 3.4648% | 2,839 |
| Efficiency ratio | 90.8243% | 325 |
| Assets per employee ($millions) | 5.1118% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7784% | 710 |
| Loan loss allowance to noncurrent loans | 79.2323% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 3.1496% | 177 |
| Noncurrent loans to loans | 2.2445% | 591 |
| Net loans and leases to total assets | 69.5818% | 2,593 |
| Net loans and leases to deposits | 78.8162% | 3,077 |
| Net loans and leases to core deposits | 83.7646% | 3,125 |
| Total domestic deposits to total assets | 88.2836% | 974 |
| Equity capital to assets | 11.2610% | 2,805 |
| Core capital (leverage) ratio | 9.4079% | 4,239 |
| Tier 1 risk-based capital ratio | 11.5816% | 4,643 |
| Total risk-based capital ratio | 12.8358% | 4,535 |
| Memoranda: | ||
| Average total assets | $131,601,000 | 3,600 |
| Average earning assets | $119,477,670 | 3,628 |
| Average equity | $14,325,000 | 3,745 |
| Average total loans | $86,118,000 | 3,549 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2742% | 3,635 |
| Cost of funding earning assets | 0.1310% | 5,239 |
| Net interest margin | 4.1431% | 1,444 |
| Noninterest income to average assets | 0.1019% | 5,071 |
| Noninterest expense to average assets | 3.5564% | 896 |
| Loan and lease loss provision to assets | 0.0120% | 3,279 |
| Net operating income to assets | 0.2517% | 4,955 |
| Return on assets (ROA) | 0.2517% | 4,963 |
| Pretax return on assets | 0.3236% | 4,934 |
| Return on Equity (ROE) | 2.3510% | 4,919 |
| Retained earnings to average equity (ytd only) | 2.3510% | 3,969 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3780% | 346 |
| Assets per employee ($millions) | 5.0950% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 748 |
| Loan loss allowance to noncurrent loans | 53.0759% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 3.1313% | 194 |
| Noncurrent loans to loans | 3.3306% | 288 |
| Net loans and leases to total assets | 65.1456% | 3,158 |
| Net loans and leases to deposits | 73.4222% | 3,493 |
| Net loans and leases to core deposits | 77.6566% | 3,543 |
| Total domestic deposits to total assets | 88.7273% | 987 |
| Equity capital to assets | 10.8363% | 3,011 |
| Core capital (leverage) ratio | 9.4568% | 4,186 |
| Tier 1 risk-based capital ratio | 12.2750% | 4,314 |
| Total risk-based capital ratio | 13.5297% | 4,169 |
| Memoranda: | ||
| Average total assets | $133,504,000 | 3,613 |
| Average earning assets | $122,129,500 | 3,629 |
| Average equity | $14,292,000 | 3,761 |
| Average total loans | $83,911,000 | 3,611 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 3,191 |
| Cost of funding earning assets | 0.1262% | 5,230 |
| Net interest margin | 4.1493% | 1,531 |
| Noninterest income to average assets | 0.1289% | 5,044 |
| Noninterest expense to average assets | 3.4268% | 1,107 |
| Loan and lease loss provision to assets | -0.2195% | 5,341 |
| Net operating income to assets | 3.0010% | 80 |
| Return on assets (ROA) | 3.0010% | 82 |
| Pretax return on assets | 0.7750% | 4,233 |
| Return on Equity (ROE) | 34.0219% | 22 |
| Retained earnings to average equity (ytd only) | 34.0219% | 5 |
| Net charge-offs to loans | 0.0497% | 2,445 |
| Credit loss provision to net charge-offs | -669.0476% | 4,679 |
| Earnings coverage of net charge-offs (x) | 16.9286% | 2,222 |
| Efficiency ratio | 86.0506% | 524 |
| Assets per employee ($millions) | 5.6057% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 540 |
| Loan loss allowance to noncurrent loans | 52.9392% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 3.0832% | 197 |
| Noncurrent loans to loans | 3.6589% | 228 |
| Net loans and leases to total assets | 58.2895% | 3,933 |
| Net loans and leases to deposits | 65.4730% | 4,157 |
| Net loans and leases to core deposits | 69.1714% | 4,163 |
| Total domestic deposits to total assets | 89.0283% | 846 |
| Equity capital to assets | 10.5763% | 3,099 |
| Core capital (leverage) ratio | 9.0291% | 4,627 |
| Tier 1 risk-based capital ratio | 13.6480% | 3,464 |
| Total risk-based capital ratio | 14.9048% | 3,379 |
| Memoranda: | ||
| Average total assets | $127,991,800 | 3,672 |
| Average earning assets | $118,864,800 | 3,665 |
| Average equity | $11,289,800 | 4,116 |
| Average total loans | $84,528,800 | 3,584 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2287% | 3,211 |
| Cost of funding earning assets | 0.1223% | 5,298 |
| Net interest margin | 4.1064% | 1,606 |
| Noninterest income to average assets | 0.1393% | 5,076 |
| Noninterest expense to average assets | 3.4505% | 1,048 |
| Loan and lease loss provision to assets | 0.0011% | 3,936 |
| Net operating income to assets | 0.5128% | 4,731 |
| Return on assets (ROA) | 0.5128% | 4,732 |
| Pretax return on assets | 0.5128% | 4,883 |
| Return on Equity (ROE) | 6.1391% | 4,230 |
| Retained earnings to average equity (ytd only) | 6.1391% | 2,586 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0375% | 458 |
| Assets per employee ($millions) | 5.4628% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2097% | 357 |
| Loan loss allowance to noncurrent loans | 63.4700% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 3.1829% | 215 |
| Noncurrent loans to loans | 3.4816% | 276 |
| Net loans and leases to total assets | 63.2212% | 3,520 |
| Net loans and leases to deposits | 69.1904% | 3,978 |
| Net loans and leases to core deposits | 73.0948% | 4,005 |
| Total domestic deposits to total assets | 91.3728% | 153 |
| Equity capital to assets | 8.2337% | 5,068 |
| Core capital (leverage) ratio | 8.5080% | 5,093 |
| Tier 1 risk-based capital ratio | 11.9422% | 4,533 |
| Total risk-based capital ratio | 13.2031% | 4,409 |
| Memoranda: | ||
| Average total assets | $126,355,500 | 3,723 |
| Average earning assets | $117,700,250 | 3,724 |
| Average equity | $10,555,000 | 4,265 |
| Average total loans | $85,668,500 | 3,585 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1594% | 3,243 |
| Cost of funding earning assets | 0.1207% | 5,341 |
| Net interest margin | 4.0388% | 1,733 |
| Noninterest income to average assets | 0.1603% | 5,023 |
| Noninterest expense to average assets | 3.5297% | 959 |
| Loan and lease loss provision to assets | 0.0016% | 3,768 |
| Net operating income to assets | 0.3847% | 4,985 |
| Return on assets (ROA) | 0.3847% | 4,987 |
| Pretax return on assets | 0.3847% | 5,059 |
| Return on Equity (ROE) | 4.5823% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.5823% | 3,302 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1351% | 363 |
| Assets per employee ($millions) | 5.2799% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 482 |
| Loan loss allowance to noncurrent loans | 64.0123% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 3.2734% | 210 |
| Noncurrent loans to loans | 3.1905% | 334 |
| Net loans and leases to total assets | 70.8966% | 2,451 |
| Net loans and leases to deposits | 77.7172% | 3,181 |
| Net loans and leases to core deposits | 82.2692% | 3,221 |
| Total domestic deposits to total assets | 91.2238% | 198 |
| Equity capital to assets | 8.3343% | 5,057 |
| Core capital (leverage) ratio | 9.1513% | 4,520 |
| Tier 1 risk-based capital ratio | 10.6208% | 5,222 |
| Total risk-based capital ratio | 11.8790% | 5,117 |
| Memoranda: | ||
| Average total assets | $124,771,330 | 3,779 |
| Average earning assets | $116,025,330 | 3,776 |
| Average equity | $10,475,000 | 4,312 |
| Average total loans | $85,971,000 | 3,606 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 3,527 |
| Cost of funding earning assets | 0.1209% | 5,387 |
| Net interest margin | 3.9041% | 2,030 |
| Noninterest income to average assets | 0.2262% | 4,664 |
| Noninterest expense to average assets | 3.5025% | 998 |
| Loan and lease loss provision to assets | 0.0032% | 3,474 |
| Net operating income to assets | 0.3716% | 4,982 |
| Return on assets (ROA) | 0.3716% | 4,988 |
| Pretax return on assets | 0.3716% | 5,069 |
| Return on Equity (ROE) | 4.4095% | 4,656 |
| Retained earnings to average equity (ytd only) | 4.4095% | 3,428 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3333% | 426 |
| Assets per employee ($millions) | 5.4127% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1962% | 389 |
| Loan loss allowance to noncurrent loans | 58.2219% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 3.7277% | 182 |
| Noncurrent loans to loans | 3.7721% | 275 |
| Net loans and leases to total assets | 70.0462% | 2,483 |
| Net loans and leases to deposits | 77.1424% | 3,100 |
| Net loans and leases to core deposits | 81.9893% | 3,141 |
| Total domestic deposits to total assets | 90.8011% | 383 |
| Equity capital to assets | 8.7840% | 4,760 |
| Core capital (leverage) ratio | 8.7463% | 4,956 |
| Tier 1 risk-based capital ratio | 11.2563% | 5,005 |
| Total risk-based capital ratio | 12.5162% | 4,892 |
| Memoranda: | ||
| Average total assets | $123,798,500 | 3,834 |
| Average earning assets | $115,776,500 | 3,815 |
| Average equity | $10,432,000 | 4,362 |
| Average total loans | $83,101,000 | 3,688 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,307 |
| Cost of funding earning assets | 0.1414% | 5,312 |
| Net interest margin | 4.1638% | 1,268 |
| Noninterest income to average assets | 0.1021% | 5,407 |
| Noninterest expense to average assets | 3.5254% | 990 |
| Loan and lease loss provision to assets | -0.4110% | 5,635 |
| Net operating income to assets | 0.8558% | 2,929 |
| Return on assets (ROA) | 0.8558% | 2,950 |
| Pretax return on assets | 0.8558% | 4,067 |
| Return on Equity (ROE) | 9.9324% | 1,916 |
| Retained earnings to average equity (ytd only) | 9.9324% | 357 |
| Net charge-offs to loans | -0.3869% | 5,593 |
| Credit loss provision to net charge-offs | 148.8746% | 1,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7970% | 486 |
| Assets per employee ($millions) | 5.5877% | 1,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3135% | 306 |
| Loan loss allowance to noncurrent loans | 222.3278% | 2,110 |
| Noncurrent assets plus other real estate owned to assets | 1.6060% | 829 |
| Noncurrent loans to loans | 1.0406% | 1,713 |
| Net loans and leases to total assets | 61.5063% | 3,677 |
| Net loans and leases to deposits | 67.2234% | 4,088 |
| Net loans and leases to core deposits | 72.3871% | 4,025 |
| Total domestic deposits to total assets | 91.4953% | 140 |
| Equity capital to assets | 8.0954% | 5,354 |
| Core capital (leverage) ratio | 8.9338% | 4,726 |
| Tier 1 risk-based capital ratio | 11.7700% | 4,675 |
| Total risk-based capital ratio | 13.0311% | 4,554 |
| Memoranda: | ||
| Average total assets | $112,639,200 | 4,017 |
| Average earning assets | $104,639,000 | 4,010 |
| Average equity | $9,705,600 | 4,497 |
| Average total loans | $80,380,800 | 3,742 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 1,861 |
| Cost of funding earning assets | 0.1487% | 5,319 |
| Net interest margin | 4.2798% | 972 |
| Noninterest income to average assets | 0.1067% | 5,454 |
| Noninterest expense to average assets | 3.6305% | 833 |
| Loan and lease loss provision to assets | -0.3803% | 5,702 |
| Net operating income to assets | 0.8122% | 3,475 |
| Return on assets (ROA) | 0.8122% | 3,522 |
| Pretax return on assets | 0.8122% | 4,318 |
| Return on Equity (ROE) | 9.2607% | 2,464 |
| Retained earnings to average equity (ytd only) | 9.2607% | 773 |
| Net charge-offs to loans | -0.5167% | 5,660 |
| Credit loss provision to net charge-offs | 99.6785% | 2,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3688% | 436 |
| Assets per employee ($millions) | 5.4784% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4331% | 288 |
| Loan loss allowance to noncurrent loans | 240.4988% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 1.9829% | 655 |
| Noncurrent loans to loans | 1.0117% | 1,924 |
| Net loans and leases to total assets | 78.0130% | 1,269 |
| Net loans and leases to deposits | 86.7887% | 2,211 |
| Net loans and leases to core deposits | 95.3311% | 2,144 |
| Total domestic deposits to total assets | 89.8885% | 508 |
| Equity capital to assets | 9.6542% | 4,290 |
| Core capital (leverage) ratio | 9.2716% | 4,438 |
| Tier 1 risk-based capital ratio | 10.8936% | 5,303 |
| Total risk-based capital ratio | 12.1563% | 5,187 |
| Memoranda: | ||
| Average total assets | $108,669,750 | 4,124 |
| Average earning assets | $100,439,500 | 4,128 |
| Average equity | $9,531,000 | 4,570 |
| Average total loans | $80,246,500 | 3,774 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 2,244 |
| Cost of funding earning assets | 0.1512% | 5,329 |
| Net interest margin | 4.1121% | 1,298 |
| Noninterest income to average assets | 0.1071% | 5,492 |
| Noninterest expense to average assets | 3.5536% | 930 |
| Loan and lease loss provision to assets | 0.0018% | 3,856 |
| Net operating income to assets | 0.3521% | 5,089 |
| Return on assets (ROA) | 0.3521% | 5,112 |
| Pretax return on assets | 0.3521% | 5,264 |
| Return on Equity (ROE) | 4.1460% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.1460% | 3,240 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9429% | 406 |
| Assets per employee ($millions) | 5.5323% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4269% | 308 |
| Loan loss allowance to noncurrent loans | 221.7963% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 1.9296% | 678 |
| Noncurrent loans to loans | 1.0942% | 1,791 |
| Net loans and leases to total assets | 73.5806% | 1,945 |
| Net loans and leases to deposits | 80.9164% | 2,815 |
| Net loans and leases to core deposits | 88.2690% | 2,677 |
| Total domestic deposits to total assets | 90.9342% | 237 |
| Equity capital to assets | 8.6112% | 5,218 |
| Core capital (leverage) ratio | 8.7741% | 4,979 |
| Tier 1 risk-based capital ratio | 10.2974% | 5,541 |
| Total risk-based capital ratio | 11.5600% | 5,473 |
| Memoranda: | ||
| Average total assets | $110,196,670 | 4,129 |
| Average earning assets | $101,845,670 | 4,134 |
| Average equity | $9,358,330 | 4,617 |
| Average total loans | $79,252,670 | 3,807 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1660% | 2,402 |
| Cost of funding earning assets | 0.1493% | 5,379 |
| Net interest margin | 4.0166% | 1,428 |
| Noninterest income to average assets | 0.1200% | 5,513 |
| Noninterest expense to average assets | 3.7464% | 726 |
| Loan and lease loss provision to assets | 0.0036% | 3,510 |
| Net operating income to assets | 0.0873% | 5,533 |
| Return on assets (ROA) | 0.0873% | 5,538 |
| Pretax return on assets | 0.0873% | 5,530 |
| Return on Equity (ROE) | 1.0352% | 5,487 |
| Retained earnings to average equity (ytd only) | 1.0352% | 4,646 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6303% | 277 |
| Assets per employee ($millions) | 5.4887% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6706% | 262 |
| Loan loss allowance to noncurrent loans | 221.7963% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 1.9477% | 688 |
| Noncurrent loans to loans | 1.2041% | 1,677 |
| Net loans and leases to total assets | 67.2296% | 2,781 |
| Net loans and leases to deposits | 73.9953% | 3,402 |
| Net loans and leases to core deposits | 80.7767% | 3,227 |
| Total domestic deposits to total assets | 90.8566% | 342 |
| Equity capital to assets | 8.5203% | 5,226 |
| Core capital (leverage) ratio | 9.0630% | 4,663 |
| Tier 1 risk-based capital ratio | 10.7851% | 5,414 |
| Total risk-based capital ratio | 12.0499% | 5,331 |
| Memoranda: | ||
| Average total assets | $109,972,000 | 4,175 |
| Average earning assets | $101,777,500 | 4,176 |
| Average equity | $9,273,500 | 4,662 |
| Average total loans | $77,159,500 | 3,877 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4449% | 1,700 |
| Cost of funding earning assets | 0.1857% | 5,153 |
| Net interest margin | 4.2593% | 999 |
| Noninterest income to average assets | 0.1337% | 5,519 |
| Noninterest expense to average assets | 3.6598% | 934 |
| Loan and lease loss provision to assets | 0.1676% | 1,461 |
| Net operating income to assets | 0.2205% | 5,378 |
| Return on assets (ROA) | 0.2205% | 5,443 |
| Pretax return on assets | 0.2205% | 5,475 |
| Return on Equity (ROE) | 2.5816% | 5,272 |
| Retained earnings to average equity (ytd only) | 2.5816% | 4,050 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4116% | 532 |
| Assets per employee ($millions) | 5.5086% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5785% | 283 |
| Loan loss allowance to noncurrent loans | 49.9014% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 4.7935% | 134 |
| Noncurrent loans to loans | 5.1673% | 149 |
| Net loans and leases to total assets | 69.4103% | 2,564 |
| Net loans and leases to deposits | 76.4838% | 3,262 |
| Net loans and leases to core deposits | 83.4689% | 3,078 |
| Total domestic deposits to total assets | 90.7516% | 368 |
| Equity capital to assets | 8.3452% | 5,393 |
| Core capital (leverage) ratio | 8.9666% | 4,776 |
| Tier 1 risk-based capital ratio | 10.2464% | 5,673 |
| Total risk-based capital ratio | 11.5096% | 5,615 |
| Memoranda: | ||
| Average total assets | $100,225,000 | 4,345 |
| Average earning assets | $92,104,800 | 4,349 |
| Average equity | $8,560,600 | 4,830 |
| Average total loans | $74,828,800 | 3,927 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5082% | 1,510 |
| Cost of funding earning assets | 0.1950% | 5,123 |
| Net interest margin | 4.3132% | 903 |
| Noninterest income to average assets | 0.1378% | 5,570 |
| Noninterest expense to average assets | 3.7514% | 789 |
| Loan and lease loss provision to assets | 0.2019% | 1,045 |
| Net operating income to assets | 0.1378% | 5,572 |
| Return on assets (ROA) | 0.1378% | 5,629 |
| Pretax return on assets | 0.1378% | 5,643 |
| Return on Equity (ROE) | 1.6027% | 5,542 |
| Retained earnings to average equity (ytd only) | 1.6027% | 4,869 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6972% | 481 |
| Assets per employee ($millions) | 5.0045% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6213% | 283 |
| Loan loss allowance to noncurrent loans | 218.0631% | 2,092 |
| Noncurrent assets plus other real estate owned to assets | 2.2548% | 638 |
| Noncurrent loans to loans | 1.2021% | 1,868 |
| Net loans and leases to total assets | 78.2963% | 1,145 |
| Net loans and leases to deposits | 86.8188% | 2,166 |
| Net loans and leases to core deposits | 96.1997% | 1,972 |
| Total domestic deposits to total assets | 90.1835% | 410 |
| Equity capital to assets | 9.1707% | 5,003 |
| Core capital (leverage) ratio | 8.8976% | 4,945 |
| Tier 1 risk-based capital ratio | 9.9186% | 5,812 |
| Total risk-based capital ratio | 11.1828% | 5,771 |
| Memoranda: | ||
| Average total assets | $97,738,500 | 4,422 |
| Average earning assets | $89,583,750 | 4,435 |
| Average equity | $8,402,250 | 4,910 |
| Average total loans | $73,912,500 | 3,973 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 1,827 |
| Cost of funding earning assets | 0.2039% | 5,103 |
| Net interest margin | 4.1959% | 1,126 |
| Noninterest income to average assets | 0.1338% | 5,643 |
| Noninterest expense to average assets | 3.6969% | 888 |
| Loan and lease loss provision to assets | 0.3001% | 602 |
| Net operating income to assets | -0.0243% | 5,778 |
| Return on assets (ROA) | -0.0243% | 5,804 |
| Pretax return on assets | -0.0243% | 5,800 |
| Return on Equity (ROE) | -0.2893% | 5,808 |
| Retained earnings to average equity (ytd only) | -0.2893% | 5,337 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0577% | 447 |
| Assets per employee ($millions) | 4.8328% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6306% | 307 |
| Loan loss allowance to noncurrent loans | 216.8831% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 2.2234% | 684 |
| Noncurrent loans to loans | 1.2129% | 1,898 |
| Net loans and leases to total assets | 76.7441% | 1,377 |
| Net loans and leases to deposits | 84.6789% | 2,388 |
| Net loans and leases to core deposits | 94.0533% | 2,166 |
| Total domestic deposits to total assets | 90.6296% | 282 |
| Equity capital to assets | 8.7507% | 5,437 |
| Core capital (leverage) ratio | 8.7846% | 5,076 |
| Tier 1 risk-based capital ratio | 9.7060% | 5,914 |
| Total risk-based capital ratio | 10.9700% | 5,886 |
| Memoranda: | ||
| Average total assets | $98,623,000 | 4,443 |
| Average earning assets | $90,231,000 | 4,454 |
| Average equity | $8,296,330 | 4,973 |
| Average total loans | $73,066,000 | 4,016 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2751% | 2,220 |
| Cost of funding earning assets | 0.2105% | 5,101 |
| Net interest margin | 4.0647% | 1,435 |
| Noninterest income to average assets | 0.1285% | 5,703 |
| Noninterest expense to average assets | 3.6303% | 979 |
| Loan and lease loss provision to assets | 0.1044% | 1,961 |
| Net operating income to assets | 0.1165% | 5,655 |
| Return on assets (ROA) | 0.1165% | 5,708 |
| Pretax return on assets | 0.1165% | 5,724 |
| Return on Equity (ROE) | 1.4120% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.4120% | 4,699 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2649% | 437 |
| Assets per employee ($millions) | 5.1739% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5982% | 352 |
| Loan loss allowance to noncurrent loans | 198.3140% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 2.1009% | 810 |
| Noncurrent loans to loans | 1.3101% | 1,829 |
| Net loans and leases to total assets | 68.1826% | 2,624 |
| Net loans and leases to deposits | 74.6406% | 3,354 |
| Net loans and leases to core deposits | 83.2781% | 3,010 |
| Total domestic deposits to total assets | 91.3479% | 187 |
| Equity capital to assets | 8.1341% | 5,771 |
| Core capital (leverage) ratio | 8.5604% | 5,333 |
| Tier 1 risk-based capital ratio | 10.0729% | 5,894 |
| Total risk-based capital ratio | 11.3369% | 5,827 |
| Memoranda: | ||
| Average total assets | $99,607,000 | 4,473 |
| Average earning assets | $91,225,500 | 4,476 |
| Average equity | $8,215,500 | 5,015 |
| Average total loans | $71,508,500 | 4,078 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 2,620 |
| Cost of funding earning assets | 0.3357% | 3,839 |
| Net interest margin | 3.8448% | 2,217 |
| Noninterest income to average assets | 0.4149% | 3,927 |
| Noninterest expense to average assets | 3.7618% | 905 |
| Loan and lease loss provision to assets | 0.0067% | 4,263 |
| Net operating income to assets | 0.1648% | 5,651 |
| Return on assets (ROA) | 0.1648% | 5,703 |
| Pretax return on assets | 0.1648% | 5,735 |
| Return on Equity (ROE) | 1.9432% | 5,582 |
| Retained earnings to average equity (ytd only) | 1.9432% | 4,620 |
| Net charge-offs to loans | 0.3732% | 777 |
| Credit loss provision to net charge-offs | 2.5862% | 3,883 |
| Earnings coverage of net charge-offs (x) | 0.6595% | 4,195 |
| Efficiency ratio | 95.6385% | 413 |
| Assets per employee ($millions) | 5.6315% | 1,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6296% | 345 |
| Loan loss allowance to noncurrent loans | 193.9394% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 2.2792% | 723 |
| Noncurrent loans to loans | 1.3559% | 1,730 |
| Net loans and leases to total assets | 71.7860% | 2,091 |
| Net loans and leases to deposits | 78.7778% | 2,966 |
| Net loans and leases to core deposits | 88.7404% | 2,529 |
| Total domestic deposits to total assets | 91.1246% | 254 |
| Equity capital to assets | 8.3709% | 5,653 |
| Core capital (leverage) ratio | 8.2205% | 5,677 |
| Tier 1 risk-based capital ratio | 9.9269% | 5,965 |
| Total risk-based capital ratio | 11.1914% | 5,913 |
| Memoranda: | ||
| Average total assets | $89,186,400 | 4,693 |
| Average earning assets | $81,616,400 | 4,683 |
| Average equity | $7,565,000 | 5,135 |
| Average total loans | $62,171,800 | 4,315 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1613% | 2,714 |
| Cost of funding earning assets | 0.3686% | 3,566 |
| Net interest margin | 3.7927% | 2,415 |
| Noninterest income to average assets | 0.2680% | 5,018 |
| Noninterest expense to average assets | 3.8317% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1005% | 6,000 |
| Return on assets (ROA) | -0.1005% | 6,023 |
| Pretax return on assets | -0.1005% | 6,012 |
| Return on Equity (ROE) | -1.1808% | 6,035 |
| Retained earnings to average equity (ytd only) | -1.1808% | 5,778 |
| Net charge-offs to loans | 0.5150% | 464 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.2845% | 4,016 |
| Efficiency ratio | 102.6939% | 242 |
| Assets per employee ($millions) | 5.5270% | 1,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8980% | 272 |
| Loan loss allowance to noncurrent loans | 191.9087% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 3.1971% | 444 |
| Noncurrent loans to loans | 1.5101% | 1,669 |
| Net loans and leases to total assets | 65.9724% | 3,019 |
| Net loans and leases to deposits | 72.1425% | 3,747 |
| Net loans and leases to core deposits | 82.4877% | 3,203 |
| Total domestic deposits to total assets | 91.4473% | 168 |
| Equity capital to assets | 8.0854% | 5,929 |
| Core capital (leverage) ratio | 8.5062% | 5,547 |
| Tier 1 risk-based capital ratio | 10.0004% | 6,040 |
| Total risk-based capital ratio | 11.2664% | 5,992 |
| Memoranda: | ||
| Average total assets | $87,549,000 | 4,777 |
| Average earning assets | $79,941,250 | 4,779 |
| Average equity | $7,452,750 | 5,223 |
| Average total loans | $60,069,500 | 4,424 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 2,499 |
| Cost of funding earning assets | 0.4063% | 3,207 |
| Net interest margin | 3.8081% | 2,276 |
| Noninterest income to average assets | 0.1428% | 5,852 |
| Noninterest expense to average assets | 3.8004% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1897% | 6,094 |
| Return on assets (ROA) | -0.1897% | 6,121 |
| Pretax return on assets | -0.1897% | 6,103 |
| Return on Equity (ROE) | -2.1878% | 6,135 |
| Retained earnings to average equity (ytd only) | -2.1878% | 5,851 |
| Net charge-offs to loans | 0.7889% | 278 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.3491% | 3,739 |
| Efficiency ratio | 105.2529% | 230 |
| Assets per employee ($millions) | 4.8683% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1266% | 237 |
| Loan loss allowance to noncurrent loans | 185.9296% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 3.4634% | 421 |
| Noncurrent loans to loans | 1.6816% | 1,545 |
| Net loans and leases to total assets | 65.4102% | 3,066 |
| Net loans and leases to deposits | 71.8833% | 3,731 |
| Net loans and leases to core deposits | 83.9728% | 2,986 |
| Total domestic deposits to total assets | 90.9951% | 291 |
| Equity capital to assets | 8.6397% | 5,573 |
| Core capital (leverage) ratio | 8.7055% | 5,317 |
| Tier 1 risk-based capital ratio | 10.6098% | 5,877 |
| Total risk-based capital ratio | 11.8772% | 5,816 |
| Memoranda: | ||
| Average total assets | $85,412,330 | 4,865 |
| Average earning assets | $77,780,670 | 4,872 |
| Average equity | $7,404,670 | 5,279 |
| Average total loans | $58,813,670 | 4,495 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 2,726 |
| Cost of funding earning assets | 0.4342% | 2,934 |
| Net interest margin | 3.6908% | 2,655 |
| Noninterest income to average assets | 0.1518% | 5,829 |
| Noninterest expense to average assets | 3.8575% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3179% | 6,192 |
| Return on assets (ROA) | -0.3179% | 6,209 |
| Pretax return on assets | -0.3179% | 6,193 |
| Return on Equity (ROE) | -3.6605% | 6,232 |
| Retained earnings to average equity (ytd only) | -3.6605% | 5,840 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9812% | 203 |
| Assets per employee ($millions) | 4.7200% | 2,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5523% | 174 |
| Loan loss allowance to noncurrent loans | 166.2939% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 3.8748% | 395 |
| Noncurrent loans to loans | 2.1362% | 1,199 |
| Net loans and leases to total assets | 66.5348% | 2,685 |
| Net loans and leases to deposits | 73.2541% | 3,397 |
| Net loans and leases to core deposits | 88.1075% | 2,320 |
| Total domestic deposits to total assets | 90.8274% | 423 |
| Equity capital to assets | 8.7806% | 5,520 |
| Core capital (leverage) ratio | 8.7568% | 5,254 |
| Tier 1 risk-based capital ratio | 10.6404% | 5,966 |
| Total risk-based capital ratio | 11.9118% | 5,879 |
| Memoranda: | ||
| Average total assets | $84,303,500 | 4,933 |
| Average earning assets | $77,382,000 | 4,934 |
| Average equity | $7,321,500 | 5,340 |
| Average total loans | $58,636,000 | 4,527 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2843% | 2,664 |
| Cost of funding earning assets | 0.5051% | 2,618 |
| Net interest margin | 3.7792% | 2,695 |
| Noninterest income to average assets | 0.1435% | 5,977 |
| Noninterest expense to average assets | 3.5103% | 1,464 |
| Loan and lease loss provision to assets | -0.3011% | 6,369 |
| Net operating income to assets | 0.4010% | 5,222 |
| Return on assets (ROA) | 0.4010% | 5,284 |
| Pretax return on assets | 0.4010% | 5,487 |
| Return on Equity (ROE) | 5.8901% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.8901% | 1,991 |
| Net charge-offs to loans | 1.5843% | 149 |
| Credit loss provision to net charge-offs | -26.6945% | 5,369 |
| Earnings coverage of net charge-offs (x) | 0.0886% | 4,697 |
| Efficiency ratio | 97.2313% | 454 |
| Assets per employee ($millions) | 5.2279% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5491% | 178 |
| Loan loss allowance to noncurrent loans | 162.9108% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 3.9667% | 423 |
| Noncurrent loans to loans | 2.1786% | 1,231 |
| Net loans and leases to total assets | 67.6414% | 2,619 |
| Net loans and leases to deposits | 74.2793% | 3,402 |
| Net loans and leases to core deposits | 89.5607% | 2,328 |
| Total domestic deposits to total assets | 91.0636% | 347 |
| Equity capital to assets | 8.5873% | 5,653 |
| Core capital (leverage) ratio | 8.3632% | 5,708 |
| Tier 1 risk-based capital ratio | 11.5068% | 5,657 |
| Total risk-based capital ratio | 12.7827% | 5,559 |
| Memoranda: | ||
| Average total assets | $85,034,800 | 4,939 |
| Average earning assets | $78,005,800 | 4,923 |
| Average equity | $5,789,400 | 5,666 |
| Average total loans | $60,532,600 | 4,472 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2870% | 2,685 |
| Cost of funding earning assets | 0.5212% | 2,558 |
| Net interest margin | 3.7658% | 2,753 |
| Noninterest income to average assets | 0.1124% | 6,197 |
| Noninterest expense to average assets | 3.5151% | 1,437 |
| Loan and lease loss provision to assets | 0.0593% | 3,178 |
| Net operating income to assets | -0.0094% | 6,148 |
| Return on assets (ROA) | -0.0094% | 6,164 |
| Pretax return on assets | -0.0094% | 6,152 |
| Return on Equity (ROE) | -0.1470% | 6,168 |
| Retained earnings to average equity (ytd only) | -0.1470% | 5,821 |
| Net charge-offs to loans | 2.7387% | 51 |
| Credit loss provision to net charge-offs | 3.0327% | 3,774 |
| Earnings coverage of net charge-offs (x) | 0.0255% | 4,444 |
| Efficiency ratio | 98.5983% | 412 |
| Assets per employee ($millions) | 5.5267% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4674% | 236 |
| Loan loss allowance to noncurrent loans | 159.6626% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 4.0337% | 484 |
| Noncurrent loans to loans | 2.1717% | 1,409 |
| Net loans and leases to total assets | 69.9183% | 2,206 |
| Net loans and leases to deposits | 75.1644% | 3,288 |
| Net loans and leases to core deposits | 92.1173% | 2,029 |
| Total domestic deposits to total assets | 93.0206% | 77 |
| Equity capital to assets | 6.6634% | 6,424 |
| Core capital (leverage) ratio | 6.8002% | 6,403 |
| Tier 1 risk-based capital ratio | 8.7178% | 6,491 |
| Total risk-based capital ratio | 9.9930% | 6,492 |
| Memoranda: | ||
| Average total assets | $85,381,750 | 4,987 |
| Average earning assets | $78,281,500 | 4,970 |
| Average equity | $5,441,000 | 5,814 |
| Average total loans | $61,000,250 | 4,499 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 2,966 |
| Cost of funding earning assets | 0.5419% | 2,418 |
| Net interest margin | 3.6540% | 3,128 |
| Noninterest income to average assets | 0.1160% | 6,218 |
| Noninterest expense to average assets | 3.5727% | 1,344 |
| Loan and lease loss provision to assets | 0.0882% | 2,557 |
| Net operating income to assets | -0.1972% | 6,321 |
| Return on assets (ROA) | -0.1972% | 6,331 |
| Pretax return on assets | -0.1972% | 6,312 |
| Return on Equity (ROE) | -3.1404% | 6,383 |
| Retained earnings to average equity (ytd only) | -3.1404% | 6,108 |
| Net charge-offs to loans | 4.2336% | 22 |
| Credit loss provision to net charge-offs | 2.9276% | 3,380 |
| Earnings coverage of net charge-offs (x) | -0.0362% | 4,131 |
| Efficiency ratio | 103.1480% | 331 |
| Assets per employee ($millions) | 5.1848% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2499% | 290 |
| Loan loss allowance to noncurrent loans | 143.5518% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 4.7362% | 394 |
| Noncurrent loans to loans | 2.2640% | 1,438 |
| Net loans and leases to total assets | 73.1002% | 1,561 |
| Net loans and leases to deposits | 78.4479% | 2,739 |
| Net loans and leases to core deposits | 96.4531% | 1,567 |
| Total domestic deposits to total assets | 93.1831% | 74 |
| Equity capital to assets | 6.5239% | 6,495 |
| Core capital (leverage) ratio | 6.5265% | 6,495 |
| Tier 1 risk-based capital ratio | 8.0885% | 6,566 |
| Total risk-based capital ratio | 9.3606% | 6,569 |
| Memoranda: | ||
| Average total assets | $86,208,670 | 5,016 |
| Average earning assets | $78,982,000 | 5,003 |
| Average equity | $5,413,330 | 5,860 |
| Average total loans | $61,318,670 | 4,503 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 3,657 |
| Cost of funding earning assets | 0.5638% | 2,309 |
| Net interest margin | 3.4421% | 3,931 |
| Noninterest income to average assets | 0.1093% | 6,300 |
| Noninterest expense to average assets | 3.6022% | 1,303 |
| Loan and lease loss provision to assets | 0.1731% | 1,396 |
| Net operating income to assets | -0.4964% | 6,469 |
| Return on assets (ROA) | -0.4964% | 6,469 |
| Pretax return on assets | -0.4964% | 6,452 |
| Return on Equity (ROE) | -8.0532% | 6,530 |
| Retained earnings to average equity (ytd only) | -8.0532% | 6,285 |
| Net charge-offs to loans | 8.5687% | 4 |
| Credit loss provision to net charge-offs | 2.9253% | 2,662 |
| Earnings coverage of net charge-offs (x) | -0.0547% | 3,436 |
| Efficiency ratio | 109.8611% | 270 |
| Assets per employee ($millions) | 5.8247% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3894% | 294 |
| Loan loss allowance to noncurrent loans | 104.8404% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 4.5576% | 478 |
| Noncurrent loans to loans | 3.2329% | 952 |
| Net loans and leases to total assets | 66.4225% | 2,494 |
| Net loans and leases to deposits | 70.9931% | 3,478 |
| Net loans and leases to core deposits | 88.6841% | 2,029 |
| Total domestic deposits to total assets | 93.5619% | 77 |
| Equity capital to assets | 6.1462% | 6,559 |
| Core capital (leverage) ratio | 6.1144% | 6,571 |
| Tier 1 risk-based capital ratio | 8.4342% | 6,614 |
| Total risk-based capital ratio | 9.7089% | 6,617 |
| Memoranda: | ||
| Average total assets | $87,835,000 | 5,023 |
| Average earning assets | $80,880,000 | 5,004 |
| Average equity | $5,414,000 | 5,893 |
| Average total loans | $60,639,000 | 4,566 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 2,579 |
| Cost of funding earning assets | 0.6550% | 2,169 |
| Net interest margin | 3.7473% | 2,861 |
| Noninterest income to average assets | 0.3522% | 4,794 |
| Noninterest expense to average assets | 3.5664% | 1,516 |
| Loan and lease loss provision to assets | 1.0148% | 176 |
| Net operating income to assets | -0.9102% | 6,590 |
| Return on assets (ROA) | -0.9102% | 6,592 |
| Pretax return on assets | -0.9102% | 6,575 |
| Return on Equity (ROE) | -13.6440% | 6,624 |
| Retained earnings to average equity (ytd only) | -13.6440% | 6,593 |
| Net charge-offs to loans | 0.0693% | 4,237 |
| Credit loss provision to net charge-offs | 2,129.2683% | 114 |
| Earnings coverage of net charge-offs (x) | 2.1951% | 4,294 |
| Efficiency ratio | 97.1501% | 582 |
| Assets per employee ($millions) | 5.5187% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3866% | 77 |
| Loan loss allowance to noncurrent loans | 121.8404% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 5.3749% | 409 |
| Noncurrent loans to loans | 4.4210% | 610 |
| Net loans and leases to total assets | 65.5851% | 2,755 |
| Net loans and leases to deposits | 70.1017% | 3,772 |
| Net loans and leases to core deposits | 86.4885% | 2,395 |
| Total domestic deposits to total assets | 93.5571% | 96 |
| Equity capital to assets | 6.1813% | 6,604 |
| Core capital (leverage) ratio | 6.2458% | 6,628 |
| Tier 1 risk-based capital ratio | 8.6448% | 6,676 |
| Total risk-based capital ratio | 9.9443% | 6,674 |
| Memoranda: | ||
| Average total assets | $86,025,000 | 5,082 |
| Average earning assets | $76,188,200 | 5,148 |
| Average equity | $5,738,800 | 5,871 |
| Average total loans | $59,157,400 | 4,641 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 3,277 |
| Cost of funding earning assets | 0.6740% | 2,149 |
| Net interest margin | 3.5552% | 3,633 |
| Noninterest income to average assets | 0.5149% | 3,709 |
| Noninterest expense to average assets | 3.6088% | 1,382 |
| Loan and lease loss provision to assets | 0.5242% | 518 |
| Net operating income to assets | -0.5071% | 6,602 |
| Return on assets (ROA) | -0.5071% | 6,614 |
| Pretax return on assets | -0.5071% | 6,601 |
| Return on Equity (ROE) | -7.4595% | 6,655 |
| Retained earnings to average equity (ytd only) | -7.4595% | 6,582 |
| Net charge-offs to loans | 0.0955% | 3,607 |
| Credit loss provision to net charge-offs | 800.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 0.2620% | 4,776 |
| Efficiency ratio | 99.5267% | 480 |
| Assets per employee ($millions) | 5.2560% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4922% | 164 |
| Loan loss allowance to noncurrent loans | 105.1048% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 5.6162% | 455 |
| Noncurrent loans to loans | 4.2740% | 798 |
| Net loans and leases to total assets | 69.7524% | 2,007 |
| Net loans and leases to deposits | 75.2753% | 3,053 |
| Net loans and leases to core deposits | 93.4165% | 1,632 |
| Total domestic deposits to total assets | 92.6631% | 154 |
| Equity capital to assets | 7.0420% | 6,537 |
| Core capital (leverage) ratio | 7.0309% | 6,579 |
| Tier 1 risk-based capital ratio | 9.2310% | 6,707 |
| Total risk-based capital ratio | 10.5186% | 6,692 |
| Memoranda: | ||
| Average total assets | $85,456,500 | 5,145 |
| Average earning assets | $74,780,250 | 5,230 |
| Average equity | $5,809,000 | 5,930 |
| Average total loans | $58,644,750 | 4,697 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 3,538 |
| Cost of funding earning assets | 0.6963% | 2,086 |
| Net interest margin | 3.4543% | 3,987 |
| Noninterest income to average assets | 0.6472% | 2,927 |
| Noninterest expense to average assets | 3.6969% | 1,252 |
| Loan and lease loss provision to assets | 0.7287% | 306 |
| Net operating income to assets | -0.8102% | 6,716 |
| Return on assets (ROA) | -0.8102% | 6,724 |
| Pretax return on assets | -0.8102% | 6,707 |
| Return on Equity (ROE) | -12.0596% | 6,771 |
| Retained earnings to average equity (ytd only) | -12.0596% | 6,711 |
| Net charge-offs to loans | 0.1490% | 2,910 |
| Credit loss provision to net charge-offs | 727.9070% | 413 |
| Earnings coverage of net charge-offs (x) | -0.8140% | 4,696 |
| Efficiency ratio | 102.2537% | 420 |
| Assets per employee ($millions) | 5.8618% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6734% | 151 |
| Loan loss allowance to noncurrent loans | 103.2465% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 8.7288% | 203 |
| Noncurrent loans to loans | 4.5264% | 770 |
| Net loans and leases to total assets | 63.4481% | 3,014 |
| Net loans and leases to deposits | 68.2439% | 3,973 |
| Net loans and leases to core deposits | 83.1626% | 2,675 |
| Total domestic deposits to total assets | 92.9726% | 125 |
| Equity capital to assets | 6.7044% | 6,654 |
| Core capital (leverage) ratio | 6.8944% | 6,635 |
| Tier 1 risk-based capital ratio | 9.1307% | 6,753 |
| Total risk-based capital ratio | 10.4185% | 6,745 |
| Memoranda: | ||
| Average total assets | $85,910,000 | 5,159 |
| Average earning assets | $73,822,000 | 5,284 |
| Average equity | $5,771,330 | 5,981 |
| Average total loans | $57,720,330 | 4,756 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 3,425 |
| Cost of funding earning assets | 0.7451% | 1,888 |
| Net interest margin | 3.4251% | 4,028 |
| Noninterest income to average assets | 0.1272% | 6,461 |
| Noninterest expense to average assets | 3.5853% | 1,446 |
| Loan and lease loss provision to assets | 1.1590% | 140 |
| Net operating income to assets | -1.7149% | 6,900 |
| Return on assets (ROA) | -1.7149% | 6,904 |
| Pretax return on assets | -1.7149% | 6,894 |
| Return on Equity (ROE) | -25.5014% | 6,920 |
| Retained earnings to average equity (ytd only) | -25.5014% | 6,878 |
| Net charge-offs to loans | -0.7955% | 6,909 |
| Credit loss provision to net charge-offs | -215.7895% | 5,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3515% | 226 |
| Assets per employee ($millions) | 5.8005% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9977% | 134 |
| Loan loss allowance to noncurrent loans | 84.9624% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 13.3323% | 104 |
| Noncurrent loans to loans | 5.8822% | 573 |
| Net loans and leases to total assets | 61.7203% | 3,121 |
| Net loans and leases to deposits | 66.4501% | 3,999 |
| Net loans and leases to core deposits | 84.9511% | 2,218 |
| Total domestic deposits to total assets | 92.8822% | 133 |
| Equity capital to assets | 6.8374% | 6,743 |
| Core capital (leverage) ratio | 7.0093% | 6,640 |
| Tier 1 risk-based capital ratio | 9.0391% | 6,808 |
| Total risk-based capital ratio | 10.3280% | 6,802 |
| Memoranda: | ||
| Average total assets | $84,901,500 | 5,236 |
| Average earning assets | $71,940,000 | 5,386 |
| Average equity | $5,709,500 | 6,044 |
| Average total loans | $57,319,000 | 4,805 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 4,736 |
| Cost of funding earning assets | 0.8348% | 2,395 |
| Net interest margin | 3.3248% | 5,165 |
| Noninterest income to average assets | -0.2068% | 6,965 |
| Noninterest expense to average assets | 3.4838% | 1,854 |
| Loan and lease loss provision to assets | 0.7122% | 716 |
| Net operating income to assets | -1.6201% | 6,882 |
| Return on assets (ROA) | -1.6201% | 6,896 |
| Pretax return on assets | -1.6201% | 6,876 |
| Return on Equity (ROE) | -21.6588% | 6,901 |
| Retained earnings to average equity (ytd only) | -21.6588% | 6,872 |
| Net charge-offs to loans | 1.1382% | 913 |
| Credit loss provision to net charge-offs | 94.4805% | 3,292 |
| Earnings coverage of net charge-offs (x) | -1.2045% | 5,776 |
| Efficiency ratio | 135.2494% | 133 |
| Assets per employee ($millions) | 5.9140% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2418% | 241 |
| Loan loss allowance to noncurrent loans | 91.1612% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 13.2603% | 106 |
| Noncurrent loans to loans | 4.6531% | 899 |
| Net loans and leases to total assets | 67.2098% | 2,334 |
| Net loans and leases to deposits | 72.1807% | 3,383 |
| Net loans and leases to core deposits | 93.9539% | 1,474 |
| Total domestic deposits to total assets | 93.1132% | 120 |
| Equity capital to assets | 6.6066% | 6,832 |
| Core capital (leverage) ratio | 6.5444% | 6,785 |
| Tier 1 risk-based capital ratio | 8.0947% | 6,909 |
| Total risk-based capital ratio | 9.3745% | 6,908 |
| Memoranda: | ||
| Average total assets | $81,721,800 | 5,306 |
| Average earning assets | $68,396,000 | 5,483 |
| Average equity | $6,113,000 | 5,994 |
| Average total loans | $54,120,200 | 4,933 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 5,198 |
| Cost of funding earning assets | 0.8675% | 2,406 |
| Net interest margin | 3.2293% | 5,617 |
| Noninterest income to average assets | 0.1015% | 6,611 |
| Noninterest expense to average assets | 3.4931% | 1,779 |
| Loan and lease loss provision to assets | 0.4321% | 1,465 |
| Net operating income to assets | -1.1245% | 6,894 |
| Return on assets (ROA) | -1.1245% | 6,917 |
| Pretax return on assets | -1.1245% | 6,897 |
| Return on Equity (ROE) | -14.6002% | 6,928 |
| Retained earnings to average equity (ytd only) | -14.6002% | 6,899 |
| Net charge-offs to loans | 1.5611% | 543 |
| Credit loss provision to net charge-offs | 42.4437% | 4,564 |
| Earnings coverage of net charge-offs (x) | -0.6801% | 5,535 |
| Efficiency ratio | 124.7224% | 171 |
| Assets per employee ($millions) | 5.7344% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0651% | 289 |
| Loan loss allowance to noncurrent loans | 78.5688% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 14.0158% | 109 |
| Noncurrent loans to loans | 5.1739% | 858 |
| Net loans and leases to total assets | 62.9377% | 3,217 |
| Net loans and leases to deposits | 68.3351% | 4,128 |
| Net loans and leases to core deposits | 87.4109% | 2,290 |
| Total domestic deposits to total assets | 92.1015% | 197 |
| Equity capital to assets | 7.6195% | 6,739 |
| Core capital (leverage) ratio | 7.5806% | 6,577 |
| Tier 1 risk-based capital ratio | 9.7931% | 6,846 |
| Total risk-based capital ratio | 11.0708% | 6,822 |
| Memoranda: | ||
| Average total assets | $81,453,250 | 5,365 |
| Average earning assets | $68,083,500 | 5,552 |
| Average equity | $6,273,750 | 6,015 |
| Average total loans | $53,122,250 | 5,026 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 5,301 |
| Cost of funding earning assets | 0.9212% | 2,251 |
| Net interest margin | 3.1848% | 5,783 |
| Noninterest income to average assets | 0.1026% | 6,666 |
| Noninterest expense to average assets | 3.5336% | 1,716 |
| Loan and lease loss provision to assets | 0.2517% | 2,565 |
| Net operating income to assets | -1.0215% | 6,917 |
| Return on assets (ROA) | -1.0215% | 6,936 |
| Pretax return on assets | -1.0215% | 6,904 |
| Return on Equity (ROE) | -13.2153% | 6,959 |
| Retained earnings to average equity (ytd only) | -13.2153% | 6,912 |
| Net charge-offs to loans | 0.8897% | 1,236 |
| Credit loss provision to net charge-offs | 43.4599% | 4,183 |
| Earnings coverage of net charge-offs (x) | -1.3291% | 5,339 |
| Efficiency ratio | 127.8515% | 177 |
| Assets per employee ($millions) | 5.3833% | 1,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3817% | 256 |
| Loan loss allowance to noncurrent loans | 55.3605% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 15.8502% | 82 |
| Noncurrent loans to loans | 7.9149% | 446 |
| Net loans and leases to total assets | 63.9121% | 3,056 |
| Net loans and leases to deposits | 69.5792% | 3,958 |
| Net loans and leases to core deposits | 91.4405% | 1,826 |
| Total domestic deposits to total assets | 91.8551% | 247 |
| Equity capital to assets | 7.8563% | 6,649 |
| Core capital (leverage) ratio | 7.7448% | 6,487 |
| Tier 1 risk-based capital ratio | 10.0565% | 6,809 |
| Total risk-based capital ratio | 11.3374% | 6,785 |
| Memoranda: | ||
| Average total assets | $81,844,000 | 5,384 |
| Average earning assets | $68,387,330 | 5,577 |
| Average equity | $6,326,000 | 6,035 |
| Average total loans | $53,273,670 | 5,057 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1212% | 5,380 |
| Cost of funding earning assets | 0.9895% | 2,038 |
| Net interest margin | 3.1316% | 5,952 |
| Noninterest income to average assets | 0.1020% | 6,738 |
| Noninterest expense to average assets | 3.4810% | 1,800 |
| Loan and lease loss provision to assets | 0.5001% | 1,217 |
| Net operating income to assets | -1.2671% | 7,041 |
| Return on assets (ROA) | -1.2671% | 7,058 |
| Pretax return on assets | -1.2671% | 7,031 |
| Return on Equity (ROE) | -16.5268% | 7,079 |
| Retained earnings to average equity (ytd only) | -16.5268% | 6,998 |
| Net charge-offs to loans | 0.9901% | 1,051 |
| Credit loss provision to net charge-offs | 78.6260% | 2,745 |
| Earnings coverage of net charge-offs (x) | -1.2061% | 4,571 |
| Efficiency ratio | 128.2648% | 171 |
| Assets per employee ($millions) | 5.4247% | 1,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6192% | 231 |
| Loan loss allowance to noncurrent loans | 54.9233% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 16.0084% | 90 |
| Noncurrent loans to loans | 8.4103% | 435 |
| Net loans and leases to total assets | 62.7049% | 3,124 |
| Net loans and leases to deposits | 68.0679% | 4,046 |
| Net loans and leases to core deposits | 91.7333% | 1,679 |
| Total domestic deposits to total assets | 92.1212% | 237 |
| Equity capital to assets | 7.6453% | 6,715 |
| Core capital (leverage) ratio | 7.6275% | 6,552 |
| Tier 1 risk-based capital ratio | 9.8809% | 6,902 |
| Total risk-based capital ratio | 11.1643% | 6,901 |
| Memoranda: | ||
| Average total assets | $82,391,000 | 5,405 |
| Average earning assets | $68,718,500 | 5,607 |
| Average equity | $6,317,000 | 6,065 |
| Average total loans | $52,923,500 | 5,106 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2511% | 5,914 |
| Cost of funding earning assets | 1.1048% | 2,638 |
| Net interest margin | 3.1463% | 6,228 |
| Noninterest income to average assets | -1.3585% | 7,337 |
| Noninterest expense to average assets | 3.6897% | 1,556 |
| Loan and lease loss provision to assets | 0.3750% | 2,746 |
| Net operating income to assets | -2.8643% | 7,162 |
| Return on assets (ROA) | -2.8643% | 7,172 |
| Pretax return on assets | -2.8643% | 7,174 |
| Return on Equity (ROE) | -33.6155% | 7,117 |
| Retained earnings to average equity (ytd only) | -33.6155% | 7,111 |
| Net charge-offs to loans | 1.0801% | 1,598 |
| Credit loss provision to net charge-offs | 55.2028% | 5,298 |
| Earnings coverage of net charge-offs (x) | -3.6649% | 6,343 |
| Efficiency ratio | 307.3852% | 24 |
| Assets per employee ($millions) | 5.5608% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7734% | 205 |
| Loan loss allowance to noncurrent loans | 129.6834% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 12.5330% | 187 |
| Noncurrent loans to loans | 3.6808% | 1,716 |
| Net loans and leases to total assets | 59.7684% | 4,032 |
| Net loans and leases to deposits | 64.9107% | 4,891 |
| Net loans and leases to core deposits | 86.7494% | 2,536 |
| Total domestic deposits to total assets | 92.0779% | 228 |
| Equity capital to assets | 7.6883% | 6,729 |
| Core capital (leverage) ratio | 7.6036% | 6,599 |
| Tier 1 risk-based capital ratio | 10.3638% | 6,749 |
| Total risk-based capital ratio | 11.6491% | 6,709 |
| Memoranda: | ||
| Average total assets | $83,476,000 | 5,354 |
| Average earning assets | $67,888,400 | 5,616 |
| Average equity | $7,112,800 | 5,835 |
| Average total loans | $52,497,000 | 5,170 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2701% | 6,029 |
| Cost of funding earning assets | 1.1179% | 2,855 |
| Net interest margin | 3.1522% | 6,284 |
| Noninterest income to average assets | -0.9917% | 7,403 |
| Noninterest expense to average assets | 3.7815% | 1,335 |
| Loan and lease loss provision to assets | 0.3705% | 2,631 |
| Net operating income to assets | -2.5950% | 7,224 |
| Return on assets (ROA) | -2.5950% | 7,236 |
| Pretax return on assets | -2.5950% | 7,228 |
| Return on Equity (ROE) | -29.7295% | 7,194 |
| Retained earnings to average equity (ytd only) | -29.7295% | 7,187 |
| Net charge-offs to loans | 1.4416% | 1,019 |
| Credit loss provision to net charge-offs | 40.8451% | 5,223 |
| Earnings coverage of net charge-offs (x) | -2.4525% | 6,044 |
| Efficiency ratio | 242.8718% | 31 |
| Assets per employee ($millions) | 5.1190% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5493% | 251 |
| Loan loss allowance to noncurrent loans | 121.8860% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 13.4450% | 178 |
| Noncurrent loans to loans | 3.7324% | 1,821 |
| Net loans and leases to total assets | 61.9164% | 3,746 |
| Net loans and leases to deposits | 68.0543% | 4,594 |
| Net loans and leases to core deposits | 89.2283% | 2,335 |
| Total domestic deposits to total assets | 90.9809% | 435 |
| Equity capital to assets | 8.7529% | 6,028 |
| Core capital (leverage) ratio | 8.2897% | 5,993 |
| Tier 1 risk-based capital ratio | 11.2480% | 6,400 |
| Total risk-based capital ratio | 12.5302% | 6,367 |
| Memoranda: | ||
| Average total assets | $83,492,000 | 5,388 |
| Average earning assets | $67,507,000 | 5,669 |
| Average equity | $7,287,750 | 5,821 |
| Average total loans | $52,533,000 | 5,213 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 6,252 |
| Cost of funding earning assets | 1.0805% | 3,387 |
| Net interest margin | 3.1346% | 6,321 |
| Noninterest income to average assets | -0.7546% | 7,451 |
| Noninterest expense to average assets | 3.8157% | 1,329 |
| Loan and lease loss provision to assets | 0.5522% | 1,756 |
| Net operating income to assets | -2.6089% | 7,276 |
| Return on assets (ROA) | -2.6089% | 7,281 |
| Pretax return on assets | -2.6089% | 7,263 |
| Return on Equity (ROE) | -29.9154% | 7,241 |
| Retained earnings to average equity (ytd only) | -29.9154% | 7,233 |
| Net charge-offs to loans | 1.2993% | 1,183 |
| Credit loss provision to net charge-offs | 68.2353% | 4,104 |
| Earnings coverage of net charge-offs (x) | -2.5412% | 5,739 |
| Efficiency ratio | 216.9147% | 47 |
| Assets per employee ($millions) | 5.9770% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0341% | 182 |
| Loan loss allowance to noncurrent loans | 78.3472% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 15.6980% | 129 |
| Noncurrent loans to loans | 6.4253% | 876 |
| Net loans and leases to total assets | 55.6545% | 5,044 |
| Net loans and leases to deposits | 61.0346% | 5,610 |
| Net loans and leases to core deposits | 82.0931% | 3,489 |
| Total domestic deposits to total assets | 91.1851% | 434 |
| Equity capital to assets | 8.5550% | 6,120 |
| Core capital (leverage) ratio | 9.5177% | 3,932 |
| Tier 1 risk-based capital ratio | 11.8187% | 5,926 |
| Total risk-based capital ratio | 13.1050% | 5,871 |
| Memoranda: | ||
| Average total assets | $84,021,330 | 5,425 |
| Average earning assets | $67,378,000 | 5,716 |
| Average equity | $7,327,330 | 5,827 |
| Average total loans | $52,334,330 | 5,270 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6171% | 4,878 |
| Cost of funding earning assets | 1.1419% | 3,215 |
| Net interest margin | 3.4752% | 5,120 |
| Noninterest income to average assets | -1.6649% | 7,552 |
| Noninterest expense to average assets | 4.1131% | 906 |
| Loan and lease loss provision to assets | 0.4285% | 2,048 |
| Net operating income to assets | -3.4481% | 7,422 |
| Return on assets (ROA) | -3.4481% | 7,425 |
| Pretax return on assets | -3.4481% | 7,411 |
| Return on Equity (ROE) | -39.1280% | 7,372 |
| Retained earnings to average equity (ytd only) | -39.1280% | 7,353 |
| Net charge-offs to loans | 1.5240% | 892 |
| Credit loss provision to net charge-offs | 43.7186% | 3,879 |
| Earnings coverage of net charge-offs (x) | -3.0804% | 4,990 |
| Efficiency ratio | 376.1261% | 19 |
| Assets per employee ($millions) | 5.7712% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0496% | 184 |
| Loan loss allowance to noncurrent loans | 151.0870% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 15.4040% | 148 |
| Noncurrent loans to loans | 3.3422% | 2,244 |
| Net loans and leases to total assets | 61.4627% | 3,970 |
| Net loans and leases to deposits | 67.8286% | 4,700 |
| Net loans and leases to core deposits | 94.6626% | 1,809 |
| Total domestic deposits to total assets | 90.6148% | 791 |
| Equity capital to assets | 9.1142% | 5,020 |
| Core capital (leverage) ratio | 9.2360% | 4,232 |
| Tier 1 risk-based capital ratio | 11.3760% | 6,197 |
| Total risk-based capital ratio | 12.6621% | 6,159 |
| Memoranda: | ||
| Average total assets | $81,204,500 | 5,556 |
| Average earning assets | $64,456,000 | 5,842 |
| Average equity | $7,156,000 | 5,880 |
| Average total loans | $52,230,500 | 5,322 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7019% | 5,794 |
| Cost of funding earning assets | 1.3812% | 3,385 |
| Net interest margin | 3.3207% | 5,905 |
| Noninterest income to average assets | -1.3322% | 7,638 |
| Noninterest expense to average assets | 3.5012% | 2,174 |
| Loan and lease loss provision to assets | 2.1556% | 584 |
| Net operating income to assets | -4.2420% | 7,468 |
| Return on assets (ROA) | -4.2420% | 7,479 |
| Pretax return on assets | -4.2420% | 7,472 |
| Return on Equity (ROE) | -41.0043% | 7,364 |
| Retained earnings to average equity (ytd only) | -41.0043% | 7,357 |
| Net charge-offs to loans | 8.1907% | 35 |
| Credit loss provision to net charge-offs | 39.7776% | 6,391 |
| Earnings coverage of net charge-offs (x) | -0.3850% | 6,403 |
| Efficiency ratio | 247.4763% | 50 |
| Assets per employee ($millions) | 5.8294% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2780% | 162 |
| Loan loss allowance to noncurrent loans | 136.9652% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 16.2550% | 130 |
| Noncurrent loans to loans | 3.8535% | 1,907 |
| Net loans and leases to total assets | 60.5389% | 4,575 |
| Net loans and leases to deposits | 66.3680% | 5,355 |
| Net loans and leases to core deposits | 94.1731% | 2,235 |
| Total domestic deposits to total assets | 91.2170% | 499 |
| Equity capital to assets | 8.5135% | 5,842 |
| Core capital (leverage) ratio | 8.0926% | 6,034 |
| Tier 1 risk-based capital ratio | 10.5752% | 6,651 |
| Total risk-based capital ratio | 11.8622% | 6,596 |
| Memoranda: | ||
| Average total assets | $89,627,600 | 5,301 |
| Average earning assets | $74,140,800 | 5,535 |
| Average equity | $9,272,200 | 5,336 |
| Average total loans | $59,299,000 | 5,102 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 6,224 |
| Cost of funding earning assets | 1.4107% | 3,517 |
| Net interest margin | 3.2302% | 6,250 |
| Noninterest income to average assets | -0.7479% | 7,711 |
| Noninterest expense to average assets | 3.3932% | 2,315 |
| Loan and lease loss provision to assets | 1.5904% | 811 |
| Net operating income to assets | -3.0294% | 7,456 |
| Return on assets (ROA) | -3.0294% | 7,467 |
| Pretax return on assets | -3.0294% | 7,431 |
| Return on Equity (ROE) | -28.1727% | 7,359 |
| Retained earnings to average equity (ytd only) | -28.1727% | 7,350 |
| Net charge-offs to loans | 7.4737% | 53 |
| Credit loss provision to net charge-offs | 31.9217% | 6,131 |
| Earnings coverage of net charge-offs (x) | -0.2888% | 6,237 |
| Efficiency ratio | 173.6411% | 128 |
| Assets per employee ($millions) | 6.4669% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8941% | 112 |
| Loan loss allowance to noncurrent loans | 61.2555% | 4,245 |
| Noncurrent assets plus other real estate owned to assets | 16.4885% | 118 |
| Noncurrent loans to loans | 9.6221% | 460 |
| Net loans and leases to total assets | 59.0251% | 5,102 |
| Net loans and leases to deposits | 65.4753% | 5,725 |
| Net loans and leases to core deposits | 89.9828% | 3,093 |
| Total domestic deposits to total assets | 90.1487% | 805 |
| Equity capital to assets | 9.5962% | 4,702 |
| Core capital (leverage) ratio | 9.7760% | 3,519 |
| Tier 1 risk-based capital ratio | 12.7943% | 4,737 |
| Total risk-based capital ratio | 14.0904% | 4,684 |
| Memoranda: | ||
| Average total assets | $91,631,500 | 5,304 |
| Average earning assets | $76,649,000 | 5,526 |
| Average equity | $9,853,250 | 5,239 |
| Average total loans | $61,083,750 | 5,099 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5831% | 6,511 |
| Cost of funding earning assets | 1.4948% | 3,281 |
| Net interest margin | 3.0883% | 6,635 |
| Noninterest income to average assets | -0.8544% | 7,785 |
| Noninterest expense to average assets | 3.4545% | 2,137 |
| Loan and lease loss provision to assets | 0.9305% | 1,571 |
| Net operating income to assets | -2.6523% | 7,451 |
| Return on assets (ROA) | -2.6523% | 7,458 |
| Pretax return on assets | -2.6523% | 7,403 |
| Return on Equity (ROE) | -23.8242% | 7,353 |
| Retained earnings to average equity (ytd only) | -23.8242% | 7,338 |
| Net charge-offs to loans | 10.9539% | 28 |
| Credit loss provision to net charge-offs | 12.5000% | 5,917 |
| Earnings coverage of net charge-offs (x) | -0.2313% | 5,888 |
| Efficiency ratio | 199.3726% | 97 |
| Assets per employee ($millions) | 6.3885% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5817% | 237 |
| Loan loss allowance to noncurrent loans | 39.6511% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 18.3041% | 78 |
| Noncurrent loans to loans | 11.5551% | 320 |
| Net loans and leases to total assets | 62.4504% | 4,592 |
| Net loans and leases to deposits | 70.1502% | 5,255 |
| Net loans and leases to core deposits | 87.5539% | 3,611 |
| Total domestic deposits to total assets | 89.0238% | 1,428 |
| Equity capital to assets | 10.6620% | 3,209 |
| Core capital (leverage) ratio | 10.5211% | 2,614 |
| Tier 1 risk-based capital ratio | 13.4561% | 4,096 |
| Total risk-based capital ratio | 14.7387% | 4,040 |
| Memoranda: | ||
| Average total assets | $91,996,670 | 5,319 |
| Average earning assets | $77,065,330 | 5,546 |
| Average equity | $10,241,670 | 5,132 |
| Average total loans | $62,516,330 | 5,080 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6876% | 6,288 |
| Cost of funding earning assets | 1.6440% | 2,684 |
| Net interest margin | 3.0437% | 6,733 |
| Noninterest income to average assets | 0.0986% | 7,212 |
| Noninterest expense to average assets | 3.4907% | 2,009 |
| Loan and lease loss provision to assets | 0.3045% | 3,605 |
| Net operating income to assets | -1.1321% | 7,184 |
| Return on assets (ROA) | -1.1321% | 7,200 |
| Pretax return on assets | -1.1321% | 7,113 |
| Return on Equity (ROE) | -9.9674% | 7,142 |
| Retained earnings to average equity (ytd only) | -9.9674% | 6,967 |
| Net charge-offs to loans | 7.4474% | 114 |
| Credit loss provision to net charge-offs | 5.9117% | 5,091 |
| Earnings coverage of net charge-offs (x) | -0.1607% | 5,140 |
| Efficiency ratio | 131.0789% | 327 |
| Assets per employee ($millions) | 6.6005% | 946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4098% | 48 |
| Loan loss allowance to noncurrent loans | 88.9150% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 16.4100% | 106 |
| Noncurrent loans to loans | 8.3336% | 631 |
| Net loans and leases to total assets | 61.4997% | 4,856 |
| Net loans and leases to deposits | 69.5866% | 5,401 |
| Net loans and leases to core deposits | 87.3152% | 3,706 |
| Total domestic deposits to total assets | 88.3786% | 1,862 |
| Equity capital to assets | 11.3292% | 2,478 |
| Core capital (leverage) ratio | 10.8514% | 2,331 |
| Tier 1 risk-based capital ratio | 14.4545% | 3,411 |
| Total risk-based capital ratio | 15.7675% | 3,335 |
| Memoranda: | ||
| Average total assets | $93,275,500 | 5,343 |
| Average earning assets | $78,589,500 | 5,558 |
| Average equity | $10,594,500 | 5,075 |
| Average total loans | $64,506,000 | 5,063 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2686% | 5,327 |
| Cost of funding earning assets | 1.8982% | 3,472 |
| Net interest margin | 3.3705% | 5,493 |
| Noninterest income to average assets | 0.0792% | 7,356 |
| Noninterest expense to average assets | 3.3338% | 2,898 |
| Loan and lease loss provision to assets | 5.6894% | 132 |
| Net operating income to assets | -5.8863% | 7,833 |
| Return on assets (ROA) | -5.8863% | 7,820 |
| Pretax return on assets | -5.8863% | 7,794 |
| Return on Equity (ROE) | -37.3987% | 7,529 |
| Retained earnings to average equity (ytd only) | -37.3987% | 7,518 |
| Net charge-offs to loans | 2.2709% | 1,033 |
| Credit loss provision to net charge-offs | 341.2067% | 950 |
| Earnings coverage of net charge-offs (x) | -0.1181% | 6,352 |
| Efficiency ratio | 106.2777% | 901 |
| Assets per employee ($millions) | 4.9549% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3952% | 35 |
| Loan loss allowance to noncurrent loans | 68.8827% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 15.1470% | 135 |
| Noncurrent loans to loans | 12.1877% | 270 |
| Net loans and leases to total assets | 65.8098% | 4,203 |
| Net loans and leases to deposits | 76.2442% | 4,697 |
| Net loans and leases to core deposits | 106.6589% | 3,256 |
| Total domestic deposits to total assets | 86.3146% | 2,862 |
| Equity capital to assets | 11.3868% | 2,404 |
| Core capital (leverage) ratio | 10.7819% | 2,358 |
| Tier 1 risk-based capital ratio | 14.1646% | 3,397 |
| Total risk-based capital ratio | 15.4922% | 3,306 |
| Memoranda: | ||
| Average total assets | $93,437,600 | 5,287 |
| Average earning assets | $84,765,800 | 5,302 |
| Average equity | $14,706,400 | 4,114 |
| Average total loans | $68,606,600 | 4,921 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5652% | 4,064 |
| Cost of funding earning assets | 1.9462% | 3,632 |
| Net interest margin | 3.6190% | 4,411 |
| Noninterest income to average assets | 0.0772% | 7,516 |
| Noninterest expense to average assets | 2.9236% | 4,350 |
| Loan and lease loss provision to assets | 2.8336% | 549 |
| Net operating income to assets | -2.3489% | 7,428 |
| Return on assets (ROA) | -2.3489% | 7,418 |
| Pretax return on assets | -2.3489% | 7,299 |
| Return on Equity (ROE) | -13.9503% | 7,131 |
| Retained earnings to average equity (ytd only) | -13.9503% | 7,072 |
| Net charge-offs to loans | 2.5833% | 705 |
| Credit loss provision to net charge-offs | 148.5757% | 3,247 |
| Earnings coverage of net charge-offs (x) | 0.2541% | 5,762 |
| Efficiency ratio | 85.7802% | 2,086 |
| Assets per employee ($millions) | 5.6252% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4916% | 427 |
| Loan loss allowance to noncurrent loans | 28.8961% | 6,544 |
| Noncurrent assets plus other real estate owned to assets | 11.6586% | 246 |
| Noncurrent loans to loans | 12.0834% | 266 |
| Net loans and leases to total assets | 74.2233% | 2,463 |
| Net loans and leases to deposits | 90.0634% | 2,570 |
| Net loans and leases to core deposits | 128.1834% | 1,568 |
| Total domestic deposits to total assets | 82.4122% | 4,491 |
| Equity capital to assets | 15.2558% | 936 |
| Core capital (leverage) ratio | 16.1816% | 648 |
| Tier 1 risk-based capital ratio | 18.1733% | 1,942 |
| Total risk-based capital ratio | 19.4483% | 1,881 |
| Memoranda: | ||
| Average total assets | $93,261,000 | 5,324 |
| Average earning assets | $85,840,500 | 5,306 |
| Average equity | $15,703,000 | 3,968 |
| Average total loans | $68,849,750 | 4,956 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8633% | 2,745 |
| Cost of funding earning assets | 2.1039% | 3,244 |
| Net interest margin | 3.7593% | 3,717 |
| Noninterest income to average assets | 0.0800% | 7,581 |
| Noninterest expense to average assets | 2.9544% | 4,275 |
| Loan and lease loss provision to assets | 1.2890% | 1,329 |
| Net operating income to assets | -0.7008% | 6,752 |
| Return on assets (ROA) | -0.7008% | 6,753 |
| Pretax return on assets | -0.7008% | 6,602 |
| Return on Equity (ROE) | -4.0313% | 6,482 |
| Retained earnings to average equity (ytd only) | -4.0313% | 6,146 |
| Net charge-offs to loans | 0.2972% | 3,700 |
| Credit loss provision to net charge-offs | 596.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 2.7200% | 3,720 |
| Efficiency ratio | 83.3944% | 2,555 |
| Assets per employee ($millions) | 5.1328% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5239% | 373 |
| Loan loss allowance to noncurrent loans | 389.0499% | 810 |
| Noncurrent assets plus other real estate owned to assets | 2.9464% | 2,165 |
| Noncurrent loans to loans | 0.9058% | 5,406 |
| Net loans and leases to total assets | 75.8028% | 2,225 |
| Net loans and leases to deposits | 95.7623% | 1,835 |
| Net loans and leases to core deposits | 134.0277% | 1,318 |
| Total domestic deposits to total assets | 79.1572% | 5,763 |
| Equity capital to assets | 18.2253% | 529 |
| Core capital (leverage) ratio | 17.2546% | 584 |
| Tier 1 risk-based capital ratio | 21.4118% | 1,332 |
| Total risk-based capital ratio | 22.6877% | 1,301 |
| Memoranda: | ||
| Average total assets | $92,471,670 | 5,385 |
| Average earning assets | $85,174,330 | 5,373 |
| Average equity | $16,074,330 | 3,904 |
| Average total loans | $67,284,000 | 5,061 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4967% | 4,930 |
| Cost of funding earning assets | 2.1542% | 3,399 |
| Net interest margin | 3.3425% | 5,356 |
| Noninterest income to average assets | 0.0841% | 7,635 |
| Noninterest expense to average assets | 2.6168% | 5,382 |
| Loan and lease loss provision to assets | 1.1191% | 1,166 |
| Net operating income to assets | -0.5511% | 6,927 |
| Return on assets (ROA) | -0.5511% | 6,974 |
| Pretax return on assets | -0.5511% | 6,860 |
| Return on Equity (ROE) | -3.2426% | 6,801 |
| Retained earnings to average equity (ytd only) | -3.2426% | 6,318 |
| Net charge-offs to loans | 0.3001% | 2,913 |
| Credit loss provision to net charge-offs | 532.0000% | 1,038 |
| Earnings coverage of net charge-offs (x) | 2.7000% | 3,412 |
| Efficiency ratio | 82.1664% | 2,511 |
| Assets per employee ($millions) | 5.8246% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1017% | 447 |
| Loan loss allowance to noncurrent loans | 310.4651% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 2.8307% | 2,007 |
| Noncurrent loans to loans | 0.9991% | 4,998 |
| Net loans and leases to total assets | 71.6030% | 3,327 |
| Net loans and leases to deposits | 89.2159% | 3,066 |
| Net loans and leases to core deposits | 136.9671% | 1,248 |
| Total domestic deposits to total assets | 80.2582% | 5,256 |
| Equity capital to assets | 17.2642% | 695 |
| Core capital (leverage) ratio | 17.9224% | 566 |
| Tier 1 risk-based capital ratio | 21.1516% | 1,426 |
| Total risk-based capital ratio | 22.4214% | 1,388 |
| Memoranda: | ||
| Average total assets | $95,078,500 | 5,328 |
| Average earning assets | $88,198,500 | 5,281 |
| Average equity | $16,160,000 | 3,912 |
| Average total loans | $66,646,000 | 5,113 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4034% | 3,404 |
| Cost of funding earning assets | 2.6055% | 3,662 |
| Net interest margin | 3.7979% | 4,031 |
| Noninterest income to average assets | 0.0718% | 7,785 |
| Noninterest expense to average assets | 3.5519% | 2,259 |
| Loan and lease loss provision to assets | 1.6553% | 788 |
| Net operating income to assets | -1.5180% | 7,472 |
| Return on assets (ROA) | -1.5180% | 7,417 |
| Pretax return on assets | -1.5180% | 7,263 |
| Return on Equity (ROE) | -7.3529% | 7,077 |
| Retained earnings to average equity (ytd only) | -7.3529% | 6,816 |
| Net charge-offs to loans | 0.3440% | 3,107 |
| Credit loss provision to net charge-offs | 672.3618% | 636 |
| Earnings coverage of net charge-offs (x) | 0.5578% | 5,895 |
| Efficiency ratio | 96.2777% | 1,138 |
| Assets per employee ($millions) | 5.7038% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9801% | 442 |
| Loan loss allowance to noncurrent loans | 394.2505% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 2.5133% | 1,927 |
| Noncurrent loans to loans | 0.7559% | 5,145 |
| Net loans and leases to total assets | 64.4641% | 5,178 |
| Net loans and leases to deposits | 79.7253% | 5,094 |
| Net loans and leases to core deposits | 115.5504% | 3,169 |
| Total domestic deposits to total assets | 80.8578% | 4,710 |
| Equity capital to assets | 16.7392% | 806 |
| Core capital (leverage) ratio | 17.2143% | 673 |
| Tier 1 risk-based capital ratio | 21.8239% | 1,341 |
| Total risk-based capital ratio | 23.0907% | 1,301 |
| Memoranda: | ||
| Average total assets | $80,831,000 | 5,669 |
| Average earning assets | $76,990,600 | 5,548 |
| Average equity | $16,687,400 | 3,789 |
| Average total loans | $57,841,600 | 5,370 |