Home > Warsaw Federal Savings and Loan Association > Performance and Condition Ratios
Warsaw Federal Savings and Loan Association, 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 | 4.6617% | 2,764 |
| Cost of funding earning assets | 2.5702% | 316 |
| Net interest margin | 2.0915% | 4,378 |
| Noninterest income to average assets | 0.7500% | 1,059 |
| Noninterest expense to average assets | 2.7924% | 1,522 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | -0.1919% | 4,461 |
| Return on assets (ROA) | -0.1919% | 4,446 |
| Pretax return on assets | -0.2913% | 4,452 |
| Return on Equity (ROE) | -2.9000% | 4,443 |
| Retained earnings to average equity (ytd only) | -2.8970% | 4,324 |
| Net charge-offs to loans | -0.0015% | 3,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 103.7117% | 152 |
| Assets per employee ($millions) | 4.6178% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7278% | 4,080 |
| Loan loss allowance to noncurrent loans | 269.9531% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2196% | 2,127 |
| Noncurrent loans to loans | 0.2696% | 2,220 |
| Net loans and leases to total assets | 80.8800% | 549 |
| Net loans and leases to deposits | 144.0813% | 20 |
| Net loans and leases to core deposits | 161.9554% | 147 |
| Total domestic deposits to total assets | 56.1400% | 4,459 |
| Equity capital to assets | 5.9954% | 4,236 |
| Core capital (leverage) ratio | 7.3888% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2972% | 2,494 |
| Memoranda: | ||
| Average total assets | $86,521,800 | 3,956 |
| Average earning assets | $79,799,400 | 3,932 |
| Average equity | $5,730,000 | 4,189 |
| Average total loans | $66,933,000 | 3,594 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3,713.0000% | 34 |
| Cost of funding earning assets | 129.0000% | 21 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0043% | 4,552 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 0.0000% | 4,397 |
| Pretax return on assets | -0.0620% | 4,431 |
| Return on Equity (ROE) | 0.0000% | 4,383 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 33.1314% | 4,487 |
| Assets per employee ($millions) | 0.0909% | 4,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.0000% | 4,578 |
| Equity capital to assets | 10,126.0000% | 23 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $176,000 | 4,636 |
| Average earning assets | $9,114 | 4,591 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 2,653 |
| Cost of funding earning assets | 2.0630% | 433 |
| Net interest margin | 2.4318% | 4,277 |
| Noninterest income to average assets | 0.8100% | 840 |
| Noninterest expense to average assets | 2.9667% | 1,092 |
| Loan and lease loss provision to assets | 0.2600% | 365 |
| Net operating income to assets | -0.0728% | 4,504 |
| Return on assets (ROA) | -0.0728% | 4,493 |
| Pretax return on assets | -0.1832% | 4,508 |
| Return on Equity (ROE) | -1.0000% | 4,474 |
| Retained earnings to average equity (ytd only) | -1.0006% | 4,218 |
| Net charge-offs to loans | -0.0033% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 97.0297% | 208 |
| Assets per employee ($millions) | 4.3699% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7797% | 4,062 |
| Loan loss allowance to noncurrent loans | 1,402.6316% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.0435% | 3,345 |
| Noncurrent loans to loans | 0.0556% | 3,300 |
| Net loans and leases to total assets | 77.6100% | 878 |
| Net loans and leases to deposits | 119.3798% | 97 |
| Net loans and leases to core deposits | 148.5957% | 151 |
| Total domestic deposits to total assets | 65.0100% | 4,441 |
| Equity capital to assets | 6.6249% | 3,936 |
| Core capital (leverage) ratio | 8.6606% | 4,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7106% | 2,018 |
| Memoranda: | ||
| Average total assets | $79,683,333 | 4,051 |
| Average earning assets | $73,196,000 | 4,037 |
| Average equity | $5,796,667 | 4,217 |
| Average total loans | $60,199,000 | 3,719 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2702% | 2,876 |
| Cost of funding earning assets | 1.8071% | 445 |
| Net interest margin | 2.4631% | 4,340 |
| Noninterest income to average assets | 0.9000% | 683 |
| Noninterest expense to average assets | 3.0966% | 943 |
| Loan and lease loss provision to assets | 0.3600% | 227 |
| Net operating income to assets | -0.1002% | 4,533 |
| Return on assets (ROA) | -0.1002% | 4,517 |
| Pretax return on assets | -0.3060% | 4,547 |
| Return on Equity (ROE) | -1.3100% | 4,493 |
| Retained earnings to average equity (ytd only) | -1.3103% | 4,156 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 97.6589% | 203 |
| Assets per employee ($millions) | 3.9986% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8426% | 4,003 |
| Loan loss allowance to noncurrent loans | 405.7377% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,445 |
| Noncurrent loans to loans | 0.2077% | 2,436 |
| Net loans and leases to total assets | 72.8400% | 1,337 |
| Net loans and leases to deposits | 103.3442% | 320 |
| Net loans and leases to core deposits | 132.4451% | 250 |
| Total domestic deposits to total assets | 70.4800% | 4,402 |
| Equity capital to assets | 7.4052% | 3,615 |
| Core capital (leverage) ratio | 9.4827% | 3,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3528% | 1,299 |
| Memoranda: | ||
| Average total assets | $75,826,000 | 4,148 |
| Average earning assets | $69,504,500 | 4,139 |
| Average equity | $5,800,000 | 4,267 |
| Average total loans | $56,118,000 | 3,819 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3702% | 3,420 |
| Cost of funding earning assets | 0.6961% | 594 |
| Net interest margin | 2.6741% | 4,087 |
| Noninterest income to average assets | 1.8300% | 279 |
| Noninterest expense to average assets | 5.2983% | 200 |
| Loan and lease loss provision to assets | 0.3100% | 263 |
| Net operating income to assets | -1.0524% | 4,661 |
| Return on assets (ROA) | -1.0524% | 4,656 |
| Pretax return on assets | -1.3480% | 4,661 |
| Return on Equity (ROE) | -9.9200% | 4,662 |
| Retained earnings to average equity (ytd only) | -9.9191% | 4,631 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 123.9358% | 59 |
| Assets per employee ($millions) | 3.5841% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 3,974 |
| Loan loss allowance to noncurrent loans | 216.6667% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 1,718 |
| Noncurrent loans to loans | 0.3814% | 1,777 |
| Net loans and leases to total assets | 74.0000% | 1,216 |
| Net loans and leases to deposits | 90.6492% | 1,003 |
| Net loans and leases to core deposits | 118.4958% | 393 |
| Total domestic deposits to total assets | 81.6400% | 3,673 |
| Equity capital to assets | 7.9212% | 3,105 |
| Core capital (leverage) ratio | 10.8337% | 1,928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $62,906,400 | 4,309 |
| Average earning assets | $57,177,400 | 4,298 |
| Average equity | $6,674,000 | 4,251 |
| Average total loans | $39,077,000 | 4,080 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1603% | 3,539 |
| Cost of funding earning assets | 0.5473% | 585 |
| Net interest margin | 2.6130% | 4,081 |
| Noninterest income to average assets | 2.2300% | 235 |
| Noninterest expense to average assets | 6.1512% | 160 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | -1.4143% | 4,715 |
| Return on assets (ROA) | -1.4143% | 4,711 |
| Pretax return on assets | -1.8074% | 4,715 |
| Return on Equity (ROE) | -12.4000% | 4,710 |
| Retained earnings to average equity (ytd only) | -12.4028% | 4,694 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 133.3015% | 53 |
| Assets per employee ($millions) | 3.2061% | 4,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 4,055 |
| Loan loss allowance to noncurrent loans | 172.9469% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 1,653 |
| Noncurrent loans to loans | 0.4724% | 1,619 |
| Net loans and leases to total assets | 67.7700% | 1,703 |
| Net loans and leases to deposits | 85.9089% | 1,178 |
| Net loans and leases to core deposits | 94.6899% | 1,055 |
| Total domestic deposits to total assets | 78.8900% | 4,186 |
| Equity capital to assets | 8.7912% | 2,353 |
| Core capital (leverage) ratio | 11.5626% | 1,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $60,712,750 | 4,364 |
| Average earning assets | $55,057,500 | 4,359 |
| Average equity | $6,923,000 | 4,268 |
| Average total loans | $35,474,000 | 4,170 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8946% | 3,801 |
| Cost of funding earning assets | 0.4738% | 608 |
| Net interest margin | 2.4208% | 4,200 |
| Noninterest income to average assets | 2.5715% | 176 |
| Noninterest expense to average assets | 6.1299% | 124 |
| Loan and lease loss provision to assets | 0.2686% | 260 |
| Net operating income to assets | -1.2757% | 4,724 |
| Return on assets (ROA) | -1.2757% | 4,718 |
| Pretax return on assets | -1.6315% | 4,718 |
| Return on Equity (ROE) | -10.3378% | 4,726 |
| Retained earnings to average equity (ytd only) | -10.3378% | 4,666 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.0986% | 64 |
| Assets per employee ($millions) | 3.1074% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 4,025 |
| Loan loss allowance to noncurrent loans | 149.3213% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 1,572 |
| Noncurrent loans to loans | 0.5831% | 1,448 |
| Net loans and leases to total assets | 60.4589% | 2,278 |
| Net loans and leases to deposits | 78.5246% | 1,499 |
| Net loans and leases to core deposits | 83.4347% | 1,486 |
| Total domestic deposits to total assets | 76.9936% | 4,414 |
| Equity capital to assets | 10.4830% | 1,440 |
| Core capital (leverage) ratio | 12.4372% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $59,576,667 | 4,416 |
| Average earning assets | $54,032,000 | 4,423 |
| Average equity | $7,351,667 | 4,271 |
| Average total loans | $32,693,667 | 4,268 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6491% | 4,034 |
| Cost of funding earning assets | 0.4604% | 617 |
| Net interest margin | 2.1887% | 4,360 |
| Noninterest income to average assets | 2.4841% | 185 |
| Noninterest expense to average assets | 6.0661% | 121 |
| Loan and lease loss provision to assets | 0.2402% | 277 |
| Net operating income to assets | -1.4342% | 4,751 |
| Return on assets (ROA) | -1.4342% | 4,751 |
| Pretax return on assets | -1.8322% | 4,757 |
| Return on Equity (ROE) | -10.7593% | 4,749 |
| Retained earnings to average equity (ytd only) | -10.7593% | 4,572 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.9693% | 63 |
| Assets per employee ($millions) | 2.5927% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 3,940 |
| Loan loss allowance to noncurrent loans | 160.5263% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 1,845 |
| Noncurrent loans to loans | 0.5825% | 1,592 |
| Net loans and leases to total assets | 54.1899% | 2,733 |
| Net loans and leases to deposits | 65.0534% | 2,425 |
| Net loans and leases to core deposits | 68.8822% | 2,378 |
| Total domestic deposits to total assets | 83.3006% | 3,904 |
| Equity capital to assets | 12.1061% | 922 |
| Core capital (leverage) ratio | 13.6636% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,291,000 | 4,461 |
| Average earning assets | $53,000,000 | 4,452 |
| Average equity | $7,770,000 | 4,290 |
| Average total loans | $30,088,500 | 4,324 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6607% | 4,348 |
| Cost of funding earning assets | 0.7965% | 206 |
| Net interest margin | 1.8642% | 4,648 |
| Noninterest income to average assets | 1.7380% | 380 |
| Noninterest expense to average assets | 5.2157% | 163 |
| Loan and lease loss provision to assets | 0.0354% | 2,347 |
| Net operating income to assets | -1.3967% | 4,804 |
| Return on assets (ROA) | -1.3967% | 4,804 |
| Pretax return on assets | -1.7751% | 4,808 |
| Return on Equity (ROE) | -12.2617% | 4,815 |
| Retained earnings to average equity (ytd only) | -12.2617% | 4,785 |
| Net charge-offs to loans | -0.1123% | 4,602 |
| Credit loss provision to net charge-offs | -66.6667% | 3,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.1862% | 36 |
| Assets per employee ($millions) | 2.9974% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 3,618 |
| Loan loss allowance to noncurrent loans | 191.2752% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 2,242 |
| Noncurrent loans to loans | 0.5407% | 1,771 |
| Net loans and leases to total assets | 47.8885% | 3,508 |
| Net loans and leases to deposits | 59.0235% | 3,167 |
| Net loans and leases to core deposits | 63.3946% | 3,035 |
| Total domestic deposits to total assets | 81.1347% | 4,091 |
| Equity capital to assets | 14.6108% | 554 |
| Core capital (leverage) ratio | 15.3257% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,560,400 | 4,495 |
| Average earning assets | $52,729,600 | 4,479 |
| Average equity | $6,442,800 | 4,486 |
| Average total loans | $26,719,600 | 4,440 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6346% | 4,472 |
| Cost of funding earning assets | 0.8731% | 179 |
| Net interest margin | 1.7614% | 4,758 |
| Noninterest income to average assets | 1.8159% | 392 |
| Noninterest expense to average assets | 5.2375% | 157 |
| Loan and lease loss provision to assets | 0.0230% | 2,531 |
| Net operating income to assets | -1.4145% | 4,878 |
| Return on assets (ROA) | -1.4145% | 4,878 |
| Pretax return on assets | -1.7970% | 4,882 |
| Return on Equity (ROE) | -13.3704% | 4,890 |
| Retained earnings to average equity (ytd only) | -13.3704% | 4,863 |
| Net charge-offs to loans | -0.1509% | 4,727 |
| Credit loss provision to net charge-offs | -33.3333% | 3,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.3067% | 38 |
| Assets per employee ($millions) | 3.1569% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,886 |
| Loan loss allowance to noncurrent loans | 127.9070% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 1,850 |
| Noncurrent loans to loans | 0.7724% | 1,464 |
| Net loans and leases to total assets | 51.3556% | 3,262 |
| Net loans and leases to deposits | 60.2189% | 3,211 |
| Net loans and leases to core deposits | 64.7093% | 3,066 |
| Total domestic deposits to total assets | 85.2815% | 3,019 |
| Equity capital to assets | 10.2801% | 2,630 |
| Core capital (leverage) ratio | 10.0111% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,462,750 | 4,550 |
| Average earning assets | $52,834,500 | 4,539 |
| Average equity | $5,973,250 | 4,596 |
| Average total loans | $26,510,000 | 4,506 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6124% | 4,537 |
| Cost of funding earning assets | 0.9675% | 124 |
| Net interest margin | 1.6448% | 4,824 |
| Noninterest income to average assets | 2.1744% | 298 |
| Noninterest expense to average assets | 5.4674% | 148 |
| Loan and lease loss provision to assets | 0.0244% | 2,481 |
| Net operating income to assets | -1.4008% | 4,913 |
| Return on assets (ROA) | -1.4008% | 4,913 |
| Pretax return on assets | -1.7772% | 4,918 |
| Return on Equity (ROE) | -13.1258% | 4,925 |
| Retained earnings to average equity (ytd only) | -13.1258% | 4,892 |
| Net charge-offs to loans | -0.2302% | 4,813 |
| Credit loss provision to net charge-offs | -23.3333% | 2,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.2477% | 39 |
| Assets per employee ($millions) | 2.4961% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,785 |
| Loan loss allowance to noncurrent loans | 119.8238% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 1,955 |
| Noncurrent loans to loans | 0.8432% | 1,460 |
| Net loans and leases to total assets | 48.5304% | 3,677 |
| Net loans and leases to deposits | 54.8016% | 3,808 |
| Net loans and leases to core deposits | 60.0997% | 3,611 |
| Total domestic deposits to total assets | 88.5567% | 1,536 |
| Equity capital to assets | 10.6457% | 2,272 |
| Core capital (leverage) ratio | 9.6145% | 2,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,394,667 | 4,568 |
| Average earning assets | $53,744,667 | 4,552 |
| Average equity | $6,125,333 | 4,609 |
| Average total loans | $26,068,000 | 4,548 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5048% | 4,638 |
| Cost of funding earning assets | 0.9830% | 147 |
| Net interest margin | 1.5218% | 4,870 |
| Noninterest income to average assets | 2.7833% | 226 |
| Noninterest expense to average assets | 5.6008% | 139 |
| Loan and lease loss provision to assets | -0.0682% | 4,681 |
| Net operating income to assets | -1.0437% | 4,928 |
| Return on assets (ROA) | -1.0437% | 4,929 |
| Pretax return on assets | -1.3234% | 4,939 |
| Return on Equity (ROE) | -9.7686% | 4,935 |
| Retained earnings to average equity (ytd only) | -9.7686% | 4,813 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.0908% | 49 |
| Assets per employee ($millions) | 2.5383% | 4,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,223 |
| Loan loss allowance to noncurrent loans | 94.9580% | 3,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4077% | 2,181 |
| Noncurrent loans to loans | 0.9231% | 1,467 |
| Net loans and leases to total assets | 43.7772% | 4,127 |
| Net loans and leases to deposits | 49.0726% | 4,218 |
| Net loans and leases to core deposits | 53.4541% | 4,121 |
| Total domestic deposits to total assets | 89.2090% | 1,230 |
| Equity capital to assets | 10.1264% | 2,583 |
| Core capital (leverage) ratio | 9.9365% | 2,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $58,635,000 | 4,572 |
| Average earning assets | $54,934,500 | 4,549 |
| Average equity | $6,265,000 | 4,612 |
| Average total loans | $25,641,000 | 4,582 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7741% | 4,760 |
| Cost of funding earning assets | 1.0752% | 443 |
| Net interest margin | 1.6989% | 4,897 |
| Noninterest income to average assets | 4.0418% | 137 |
| Noninterest expense to average assets | 6.3177% | 119 |
| Loan and lease loss provision to assets | 0.0227% | 4,115 |
| Net operating income to assets | -0.7249% | 4,900 |
| Return on assets (ROA) | -0.7249% | 4,905 |
| Pretax return on assets | -0.8332% | 4,915 |
| Return on Equity (ROE) | -6.1038% | 4,907 |
| Retained earnings to average equity (ytd only) | -6.1038% | 4,856 |
| Net charge-offs to loans | 0.1165% | 1,322 |
| Credit loss provision to net charge-offs | 35.1351% | 3,200 |
| Earnings coverage of net charge-offs (x) | -12.5405% | 3,410 |
| Efficiency ratio | 114.0184% | 102 |
| Assets per employee ($millions) | 2.6768% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0510% | 4,943 |
| Loan loss allowance to noncurrent loans | 5.2632% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4194% | 2,324 |
| Noncurrent loans to loans | 0.9687% | 1,457 |
| Net loans and leases to total assets | 43.2763% | 4,288 |
| Net loans and leases to deposits | 49.2464% | 4,344 |
| Net loans and leases to core deposits | 53.6560% | 4,274 |
| Total domestic deposits to total assets | 87.8772% | 1,544 |
| Equity capital to assets | 11.2381% | 2,066 |
| Core capital (leverage) ratio | 10.3532% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $57,251,400 | 4,551 |
| Average earning assets | $49,385,200 | 4,594 |
| Average equity | $6,799,000 | 4,548 |
| Average total loans | $31,753,200 | 4,486 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4746% | 4,908 |
| Cost of funding earning assets | 0.9581% | 885 |
| Net interest margin | 1.5164% | 4,962 |
| Noninterest income to average assets | 2.9672% | 187 |
| Noninterest expense to average assets | 5.6576% | 142 |
| Loan and lease loss provision to assets | 0.0053% | 4,209 |
| Net operating income to assets | -1.0555% | 4,949 |
| Return on assets (ROA) | -1.0555% | 4,950 |
| Pretax return on assets | -1.2807% | 4,957 |
| Return on Equity (ROE) | -8.7663% | 4,955 |
| Retained earnings to average equity (ytd only) | -8.7663% | 4,914 |
| Net charge-offs to loans | 0.1481% | 993 |
| Credit loss provision to net charge-offs | 5.4054% | 3,002 |
| Earnings coverage of net charge-offs (x) | -14.7027% | 3,207 |
| Efficiency ratio | 128.3191% | 62 |
| Assets per employee ($millions) | 2.8728% | 4,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0057% | 4,985 |
| Loan loss allowance to noncurrent loans | 0.9756% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3568% | 2,719 |
| Noncurrent loans to loans | 0.5833% | 2,341 |
| Net loans and leases to total assets | 61.1679% | 3,099 |
| Net loans and leases to deposits | 69.4573% | 3,355 |
| Net loans and leases to core deposits | 75.7986% | 3,185 |
| Total domestic deposits to total assets | 88.0654% | 1,195 |
| Equity capital to assets | 11.4820% | 2,020 |
| Core capital (leverage) ratio | 10.4529% | 2,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,842,000 | 4,572 |
| Average earning assets | $53,018,250 | 4,559 |
| Average equity | $6,844,250 | 4,566 |
| Average total loans | $33,317,000 | 4,479 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0137% | 4,836 |
| Cost of funding earning assets | 1.3458% | 290 |
| Net interest margin | 1.6680% | 4,999 |
| Noninterest income to average assets | 2.5469% | 221 |
| Noninterest expense to average assets | 6.4184% | 123 |
| Loan and lease loss provision to assets | 0.0106% | 4,081 |
| Net operating income to assets | -1.8424% | 5,011 |
| Return on assets (ROA) | -1.8424% | 5,011 |
| Pretax return on assets | -2.3320% | 5,016 |
| Return on Equity (ROE) | -15.1011% | 5,018 |
| Retained earnings to average equity (ytd only) | -15.1011% | 4,983 |
| Net charge-offs to loans | 0.2262% | 686 |
| Credit loss provision to net charge-offs | 8.1081% | 2,752 |
| Earnings coverage of net charge-offs (x) | -17.8108% | 2,998 |
| Efficiency ratio | 156.6638% | 39 |
| Assets per employee ($millions) | 2.7850% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0055% | 5,019 |
| Loan loss allowance to noncurrent loans | 0.9174% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 2,809 |
| Noncurrent loans to loans | 0.5988% | 2,350 |
| Net loans and leases to total assets | 62.2433% | 3,102 |
| Net loans and leases to deposits | 71.7895% | 3,280 |
| Net loans and leases to core deposits | 77.7875% | 3,127 |
| Total domestic deposits to total assets | 86.7026% | 1,731 |
| Equity capital to assets | 11.4388% | 2,013 |
| Core capital (leverage) ratio | 11.1109% | 1,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $56,774,667 | 4,586 |
| Average earning assets | $52,758,333 | 4,574 |
| Average equity | $6,926,667 | 4,576 |
| Average total loans | $32,707,333 | 4,513 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3605% | 4,767 |
| Cost of funding earning assets | 1.3580% | 474 |
| Net interest margin | 2.0025% | 5,013 |
| Noninterest income to average assets | 2.2175% | 236 |
| Noninterest expense to average assets | 6.3734% | 139 |
| Loan and lease loss provision to assets | 0.0072% | 3,665 |
| Net operating income to assets | -1.8169% | 5,040 |
| Return on assets (ROA) | -1.8169% | 5,025 |
| Pretax return on assets | -2.2962% | 5,038 |
| Return on Equity (ROE) | -14.4216% | 5,034 |
| Retained earnings to average equity (ytd only) | -14.4216% | 4,883 |
| Net charge-offs to loans | 0.4796% | 305 |
| Credit loss provision to net charge-offs | 2.7027% | 2,247 |
| Earnings coverage of net charge-offs (x) | -8.6486% | 2,530 |
| Efficiency ratio | 156.0420% | 50 |
| Assets per employee ($millions) | 3.1330% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5873% | 1,103 |
| Loan loss allowance to noncurrent loans | 375.1938% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 3,550 |
| Noncurrent loans to loans | 0.4231% | 2,977 |
| Net loans and leases to total assets | 53.2113% | 4,046 |
| Net loans and leases to deposits | 61.7499% | 4,116 |
| Net loans and leases to core deposits | 66.7482% | 4,037 |
| Total domestic deposits to total assets | 86.1723% | 1,933 |
| Equity capital to assets | 12.2673% | 1,870 |
| Core capital (leverage) ratio | 12.0682% | 1,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $55,919,500 | 4,607 |
| Average earning assets | $52,135,000 | 4,597 |
| Average equity | $7,045,000 | 4,594 |
| Average total loans | $30,858,500 | 4,576 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9233% | 4,388 |
| Cost of funding earning assets | 1.3114% | 749 |
| Net interest margin | 2.6118% | 4,901 |
| Noninterest income to average assets | 1.7910% | 307 |
| Noninterest expense to average assets | 6.1693% | 136 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -1.5423% | 5,123 |
| Return on assets (ROA) | -1.5423% | 5,124 |
| Pretax return on assets | -1.9162% | 5,128 |
| Return on Equity (ROE) | -11.6118% | 5,131 |
| Retained earnings to average equity (ytd only) | -11.6118% | 5,085 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.0531% | 48 |
| Assets per employee ($millions) | 2.9182% | 4,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6653% | 861 |
| Loan loss allowance to noncurrent loans | 239.6313% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 2,836 |
| Noncurrent loans to loans | 0.6950% | 2,142 |
| Net loans and leases to total assets | 55.3792% | 3,963 |
| Net loans and leases to deposits | 63.9208% | 4,077 |
| Net loans and leases to core deposits | 68.9117% | 4,028 |
| Total domestic deposits to total assets | 86.6372% | 1,788 |
| Equity capital to assets | 12.9353% | 1,563 |
| Core capital (leverage) ratio | 12.4390% | 1,522 |
| Tier 1 risk-based capital ratio | 21.8549% | 1,045 |
| Total risk-based capital ratio | 23.1094% | 1,023 |
| Memoranda: | ||
| Average total assets | $57,510,200 | 4,626 |
| Average earning assets | $54,215,200 | 4,607 |
| Average equity | $7,638,800 | 4,550 |
| Average total loans | $35,893,400 | 4,505 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 4,302 |
| Cost of funding earning assets | 1.2933% | 803 |
| Net interest margin | 2.7352% | 4,911 |
| Noninterest income to average assets | 1.8750% | 297 |
| Noninterest expense to average assets | 6.2637% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -1.4660% | 5,197 |
| Return on assets (ROA) | -1.4660% | 5,197 |
| Pretax return on assets | -1.8083% | 5,203 |
| Return on Equity (ROE) | -10.9683% | 5,203 |
| Retained earnings to average equity (ytd only) | -10.9683% | 5,153 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.5879% | 50 |
| Assets per employee ($millions) | 2.6400% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 1,110 |
| Loan loss allowance to noncurrent loans | 276.5957% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 3,169 |
| Noncurrent loans to loans | 0.5617% | 2,615 |
| Net loans and leases to total assets | 59.4311% | 3,732 |
| Net loans and leases to deposits | 69.0097% | 3,839 |
| Net loans and leases to core deposits | 73.9823% | 3,831 |
| Total domestic deposits to total assets | 86.1199% | 1,936 |
| Equity capital to assets | 13.3859% | 1,412 |
| Core capital (leverage) ratio | 12.8776% | 1,391 |
| Tier 1 risk-based capital ratio | 19.9200% | 1,373 |
| Total risk-based capital ratio | 21.1704% | 1,345 |
| Memoranda: | ||
| Average total assets | $58,026,500 | 4,690 |
| Average earning assets | $54,742,500 | 4,668 |
| Average equity | $7,755,500 | 4,594 |
| Average total loans | $37,060,500 | 4,533 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 4,212 |
| Cost of funding earning assets | 1.2736% | 809 |
| Net interest margin | 2.8063% | 4,925 |
| Noninterest income to average assets | 1.9460% | 278 |
| Noninterest expense to average assets | 6.2558% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -1.3653% | 5,240 |
| Return on assets (ROA) | -1.3653% | 5,242 |
| Pretax return on assets | -1.6608% | 5,253 |
| Return on Equity (ROE) | -10.2199% | 5,243 |
| Retained earnings to average equity (ytd only) | -10.2199% | 5,182 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.1419% | 52 |
| Assets per employee ($millions) | 2.5445% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,394 |
| Loan loss allowance to noncurrent loans | 366.1972% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2537% | 3,557 |
| Noncurrent loans to loans | 0.3984% | 3,103 |
| Net loans and leases to total assets | 62.7432% | 3,474 |
| Net loans and leases to deposits | 73.0178% | 3,595 |
| Net loans and leases to core deposits | 77.7711% | 3,596 |
| Total domestic deposits to total assets | 85.9287% | 2,070 |
| Equity capital to assets | 13.6766% | 1,249 |
| Core capital (leverage) ratio | 12.9464% | 1,323 |
| Tier 1 risk-based capital ratio | 23.2322% | 925 |
| Total risk-based capital ratio | 24.4865% | 897 |
| Memoranda: | ||
| Average total assets | $58,889,000 | 4,711 |
| Average earning assets | $55,589,000 | 4,691 |
| Average equity | $7,867,000 | 4,602 |
| Average total loans | $38,258,000 | 4,542 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 4,203 |
| Cost of funding earning assets | 1.2405% | 793 |
| Net interest margin | 2.8314% | 4,957 |
| Noninterest income to average assets | 1.9289% | 259 |
| Noninterest expense to average assets | 6.0520% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -1.1401% | 5,294 |
| Return on assets (ROA) | -1.1401% | 5,291 |
| Pretax return on assets | -1.4450% | 5,299 |
| Return on Equity (ROE) | -8.6297% | 5,287 |
| Retained earnings to average equity (ytd only) | -8.6297% | 5,057 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.3669% | 57 |
| Assets per employee ($millions) | 2.3640% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 1,988 |
| Loan loss allowance to noncurrent loans | 477.0642% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1844% | 3,892 |
| Noncurrent loans to loans | 0.2772% | 3,572 |
| Net loans and leases to total assets | 65.6639% | 3,103 |
| Net loans and leases to deposits | 76.1673% | 3,245 |
| Net loans and leases to core deposits | 80.2100% | 3,349 |
| Total domestic deposits to total assets | 86.2100% | 2,179 |
| Equity capital to assets | 13.3433% | 1,274 |
| Core capital (leverage) ratio | 12.8460% | 1,343 |
| Tier 1 risk-based capital ratio | 19.2771% | 1,488 |
| Total risk-based capital ratio | 20.5256% | 1,457 |
| Memoranda: | ||
| Average total assets | $60,344,000 | 4,741 |
| Average earning assets | $57,074,500 | 4,722 |
| Average equity | $7,972,500 | 4,620 |
| Average total loans | $39,565,500 | 4,557 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 3,857 |
| Cost of funding earning assets | 1.1909% | 358 |
| Net interest margin | 2.8735% | 4,946 |
| Noninterest income to average assets | 3.3006% | 140 |
| Noninterest expense to average assets | 6.5005% | 115 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.3764% | 5,309 |
| Return on assets (ROA) | -0.3764% | 5,303 |
| Pretax return on assets | -0.4754% | 5,309 |
| Return on Equity (ROE) | -3.0027% | 5,290 |
| Retained earnings to average equity (ytd only) | -3.0027% | 5,179 |
| Net charge-offs to loans | 0.0777% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -9.1765% | 3,753 |
| Efficiency ratio | 107.8907% | 92 |
| Assets per employee ($millions) | 2.4635% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 2,006 |
| Loan loss allowance to noncurrent loans | 472.7273% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.1786% | 3,912 |
| Noncurrent loans to loans | 0.2764% | 3,579 |
| Net loans and leases to total assets | 63.7846% | 3,382 |
| Net loans and leases to deposits | 73.6437% | 3,530 |
| Net loans and leases to core deposits | 77.7342% | 3,603 |
| Total domestic deposits to total assets | 86.6124% | 1,959 |
| Equity capital to assets | 13.0856% | 1,303 |
| Core capital (leverage) ratio | 13.7892% | 983 |
| Tier 1 risk-based capital ratio | 21.5388% | 1,086 |
| Total risk-based capital ratio | 22.7899% | 1,068 |
| Memoranda: | ||
| Average total assets | $65,625,400 | 4,666 |
| Average earning assets | $62,224,000 | 4,627 |
| Average equity | $8,226,000 | 4,574 |
| Average total loans | $43,762,000 | 4,455 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1136% | 3,589 |
| Cost of funding earning assets | 1.1792% | 285 |
| Net interest margin | 2.9344% | 4,929 |
| Noninterest income to average assets | 3.7177% | 125 |
| Noninterest expense to average assets | 6.7290% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.1821% | 5,341 |
| Return on assets (ROA) | -0.1821% | 5,342 |
| Pretax return on assets | -0.2281% | 5,344 |
| Return on Equity (ROE) | -1.4675% | 5,343 |
| Retained earnings to average equity (ytd only) | -1.4675% | 5,160 |
| Net charge-offs to loans | 0.1013% | 1,480 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -3.3532% | 3,451 |
| Efficiency ratio | 103.5088% | 111 |
| Assets per employee ($millions) | 2.6101% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 2,283 |
| Loan loss allowance to noncurrent loans | 97.0149% | 3,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9818% | 1,483 |
| Noncurrent loans to loans | 1.3038% | 1,283 |
| Net loans and leases to total assets | 64.7973% | 3,330 |
| Net loans and leases to deposits | 75.0046% | 3,507 |
| Net loans and leases to core deposits | 79.5902% | 3,531 |
| Total domestic deposits to total assets | 86.3911% | 2,020 |
| Equity capital to assets | 13.1140% | 1,284 |
| Core capital (leverage) ratio | 13.2094% | 1,204 |
| Tier 1 risk-based capital ratio | 21.2956% | 1,142 |
| Total risk-based capital ratio | 22.5457% | 1,124 |
| Memoranda: | ||
| Average total assets | $66,635,000 | 4,691 |
| Average earning assets | $63,203,500 | 4,651 |
| Average equity | $8,267,750 | 4,610 |
| Average total loans | $44,751,750 | 4,489 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1125% | 3,408 |
| Cost of funding earning assets | 1.1692% | 208 |
| Net interest margin | 2.9432% | 4,958 |
| Noninterest income to average assets | 4.3345% | 111 |
| Noninterest expense to average assets | 7.1830% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0441% | 5,362 |
| Return on assets (ROA) | -0.0441% | 5,354 |
| Pretax return on assets | -0.0559% | 5,358 |
| Return on Equity (ROE) | -0.3621% | 5,354 |
| Retained earnings to average equity (ytd only) | -0.3621% | 5,006 |
| Net charge-offs to loans | 0.1479% | 1,039 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.5588% | 3,152 |
| Efficiency ratio | 100.7845% | 160 |
| Assets per employee ($millions) | 2.1975% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 2,779 |
| Loan loss allowance to noncurrent loans | 127.7641% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 2,028 |
| Noncurrent loans to loans | 0.9322% | 1,861 |
| Net loans and leases to total assets | 65.4355% | 3,220 |
| Net loans and leases to deposits | 78.3007% | 3,126 |
| Net loans and leases to core deposits | 82.9756% | 3,163 |
| Total domestic deposits to total assets | 83.5695% | 3,230 |
| Equity capital to assets | 12.5777% | 1,496 |
| Core capital (leverage) ratio | 12.1059% | 1,646 |
| Tier 1 risk-based capital ratio | 20.2257% | 1,284 |
| Total risk-based capital ratio | 21.4745% | 1,256 |
| Memoranda: | ||
| Average total assets | $67,965,670 | 4,713 |
| Average earning assets | $64,487,000 | 4,686 |
| Average equity | $8,285,330 | 4,648 |
| Average total loans | $45,965,330 | 4,493 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9734% | 3,713 |
| Cost of funding earning assets | 1.1431% | 184 |
| Net interest margin | 2.8303% | 5,122 |
| Noninterest income to average assets | 4.3951% | 106 |
| Noninterest expense to average assets | 7.4392% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2841% | 5,468 |
| Return on assets (ROA) | -0.2841% | 5,462 |
| Pretax return on assets | -0.3595% | 5,477 |
| Return on Equity (ROE) | -2.3666% | 5,457 |
| Retained earnings to average equity (ytd only) | -2.3666% | 5,041 |
| Net charge-offs to loans | 0.2886% | 533 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -1.8235% | 2,678 |
| Efficiency ratio | 105.0778% | 133 |
| Assets per employee ($millions) | 2.5966% | 5,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 3,370 |
| Loan loss allowance to noncurrent loans | 89.9654% | 3,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9732% | 1,615 |
| Noncurrent loans to loans | 1.2238% | 1,482 |
| Net loans and leases to total assets | 69.1887% | 2,604 |
| Net loans and leases to deposits | 81.9733% | 2,603 |
| Net loans and leases to core deposits | 87.0854% | 2,710 |
| Total domestic deposits to total assets | 84.4040% | 3,144 |
| Equity capital to assets | 12.2321% | 1,646 |
| Core capital (leverage) ratio | 11.9203% | 1,701 |
| Tier 1 risk-based capital ratio | 19.3067% | 1,473 |
| Total risk-based capital ratio | 20.5545% | 1,440 |
| Memoranda: | ||
| Average total assets | $68,985,500 | 4,754 |
| Average earning assets | $65,435,500 | 4,724 |
| Average equity | $8,282,000 | 4,701 |
| Average total loans | $47,118,500 | 4,507 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8692% | 3,829 |
| Cost of funding earning assets | 1.1809% | 78 |
| Net interest margin | 2.6883% | 5,284 |
| Noninterest income to average assets | 5.6117% | 94 |
| Noninterest expense to average assets | 8.1833% | 90 |
| Loan and lease loss provision to assets | -0.0371% | 5,371 |
| Net operating income to assets | -0.1986% | 5,450 |
| Return on assets (ROA) | -0.1986% | 5,450 |
| Pretax return on assets | 0.0057% | 5,432 |
| Return on Equity (ROE) | -1.6540% | 5,449 |
| Retained earnings to average equity (ytd only) | -1.6540% | 5,245 |
| Net charge-offs to loans | 0.0063% | 3,853 |
| Credit loss provision to net charge-offs | -866.6667% | 5,044 |
| Earnings coverage of net charge-offs (x) | -7.3333% | 4,080 |
| Efficiency ratio | 100.3856% | 170 |
| Assets per employee ($millions) | 2.0724% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 2,906 |
| Loan loss allowance to noncurrent loans | 184.6667% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7550% | 2,070 |
| Noncurrent loans to loans | 0.6382% | 2,622 |
| Net loans and leases to total assets | 65.9282% | 3,110 |
| Net loans and leases to deposits | 77.6884% | 3,153 |
| Net loans and leases to core deposits | 81.8916% | 3,253 |
| Total domestic deposits to total assets | 84.8623% | 2,889 |
| Equity capital to assets | 11.7882% | 1,983 |
| Core capital (leverage) ratio | 11.7110% | 1,788 |
| Tier 1 risk-based capital ratio | 18.7116% | 1,587 |
| Total risk-based capital ratio | 19.9624% | 1,540 |
| Memoranda: | ||
| Average total assets | $69,996,000 | 4,776 |
| Average earning assets | $66,138,200 | 4,740 |
| Average equity | $8,404,000 | 4,716 |
| Average total loans | $47,676,200 | 4,522 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7971% | 4,022 |
| Cost of funding earning assets | 1.1721% | 74 |
| Net interest margin | 2.6250% | 5,385 |
| Noninterest income to average assets | 5.8763% | 98 |
| Noninterest expense to average assets | 8.3070% | 92 |
| Loan and lease loss provision to assets | -0.0477% | 5,522 |
| Net operating income to assets | 0.0630% | 5,474 |
| Return on assets (ROA) | 0.0630% | 5,479 |
| Pretax return on assets | 0.0954% | 5,464 |
| Return on Equity (ROE) | 0.5174% | 5,478 |
| Retained earnings to average equity (ytd only) | 0.5174% | 5,108 |
| Net charge-offs to loans | -0.0056% | 4,482 |
| Credit loss provision to net charge-offs | 1,250.0000% | 291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4291% | 187 |
| Assets per employee ($millions) | 1.8894% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 3,520 |
| Loan loss allowance to noncurrent loans | 65.5257% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 1.5577% | 964 |
| Noncurrent loans to loans | 1.6688% | 1,096 |
| Net loans and leases to total assets | 69.3473% | 2,653 |
| Net loans and leases to deposits | 79.7041% | 3,001 |
| Net loans and leases to core deposits | 83.8203% | 3,141 |
| Total domestic deposits to total assets | 87.0060% | 1,874 |
| Equity capital to assets | 12.2474% | 1,811 |
| Core capital (leverage) ratio | 12.1448% | 1,605 |
| Tier 1 risk-based capital ratio | 18.9357% | 1,604 |
| Total risk-based capital ratio | 20.1479% | 1,576 |
| Memoranda: | ||
| Average total assets | $69,883,500 | 4,830 |
| Average earning assets | $65,978,750 | 4,790 |
| Average equity | $8,504,750 | 4,748 |
| Average total loans | $47,843,250 | 4,563 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6468% | 4,373 |
| Cost of funding earning assets | 1.1550% | 73 |
| Net interest margin | 2.4918% | 5,510 |
| Noninterest income to average assets | 6.0565% | 96 |
| Noninterest expense to average assets | 8.5095% | 91 |
| Loan and lease loss provision to assets | -0.0716% | 5,621 |
| Net operating income to assets | -0.0200% | 5,559 |
| Return on assets (ROA) | -0.0200% | 5,560 |
| Pretax return on assets | -0.0286% | 5,560 |
| Return on Equity (ROE) | -0.1650% | 5,559 |
| Retained earnings to average equity (ytd only) | -0.1650% | 5,098 |
| Net charge-offs to loans | -0.0295% | 4,947 |
| Credit loss provision to net charge-offs | 357.1429% | 854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1913% | 175 |
| Assets per employee ($millions) | 1.8592% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,348 |
| Loan loss allowance to noncurrent loans | 59.0810% | 4,390 |
| Noncurrent assets plus other real estate owned to assets | 1.4777% | 1,041 |
| Noncurrent loans to loans | 1.9358% | 889 |
| Net loans and leases to total assets | 66.0670% | 3,097 |
| Net loans and leases to deposits | 75.7588% | 3,371 |
| Net loans and leases to core deposits | 79.5972% | 3,448 |
| Total domestic deposits to total assets | 87.2070% | 1,852 |
| Equity capital to assets | 12.0626% | 1,889 |
| Core capital (leverage) ratio | 12.0423% | 1,610 |
| Tier 1 risk-based capital ratio | 18.7094% | 1,662 |
| Total risk-based capital ratio | 19.9219% | 1,641 |
| Memoranda: | ||
| Average total assets | $69,875,000 | 4,864 |
| Average earning assets | $65,976,330 | 4,830 |
| Average equity | $8,485,670 | 4,769 |
| Average total loans | $47,452,330 | 4,596 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 4,414 |
| Cost of funding earning assets | 1.1401% | 74 |
| Net interest margin | 2.4630% | 5,576 |
| Noninterest income to average assets | 5.0713% | 114 |
| Noninterest expense to average assets | 8.4733% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.7138% | 5,764 |
| Return on assets (ROA) | -0.7138% | 5,763 |
| Pretax return on assets | -1.0764% | 5,774 |
| Return on Equity (ROE) | -5.8577% | 5,744 |
| Retained earnings to average equity (ytd only) | -5.8577% | 5,436 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.5525% | 89 |
| Assets per employee ($millions) | 1.7373% | 5,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 3,161 |
| Loan loss allowance to noncurrent loans | 56.1245% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.7283% | 855 |
| Noncurrent loans to loans | 2.1303% | 814 |
| Net loans and leases to total assets | 66.4786% | 2,900 |
| Net loans and leases to deposits | 76.2776% | 3,168 |
| Net loans and leases to core deposits | 79.5071% | 3,338 |
| Total domestic deposits to total assets | 87.1535% | 2,133 |
| Equity capital to assets | 12.0967% | 1,771 |
| Core capital (leverage) ratio | 12.0420% | 1,600 |
| Tier 1 risk-based capital ratio | 18.5682% | 1,725 |
| Total risk-based capital ratio | 19.8179% | 1,684 |
| Memoranda: | ||
| Average total assets | $69,488,500 | 4,925 |
| Average earning assets | $65,611,000 | 4,887 |
| Average equity | $8,467,500 | 4,815 |
| Average total loans | $47,571,000 | 4,636 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,266 |
| Cost of funding earning assets | 0.9643% | 211 |
| Net interest margin | 3.2976% | 4,150 |
| Noninterest income to average assets | 5.8329% | 106 |
| Noninterest expense to average assets | 9.3396% | 82 |
| Loan and lease loss provision to assets | 0.0380% | 3,614 |
| Net operating income to assets | -0.2893% | 5,740 |
| Return on assets (ROA) | -0.2893% | 5,751 |
| Pretax return on assets | -0.4369% | 5,768 |
| Return on Equity (ROE) | -2.2782% | 5,738 |
| Retained earnings to average equity (ytd only) | -2.2782% | 5,553 |
| Net charge-offs to loans | 0.1236% | 2,025 |
| Credit loss provision to net charge-offs | 36.6197% | 3,527 |
| Earnings coverage of net charge-offs (x) | -3.8451% | 4,210 |
| Efficiency ratio | 104.4615% | 177 |
| Assets per employee ($millions) | 1.6948% | 5,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 3,400 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 1.7471% | 865 |
| Noncurrent loans to loans | 2.3105% | 718 |
| Net loans and leases to total assets | 68.8301% | 2,643 |
| Net loans and leases to deposits | 79.1959% | 2,975 |
| Net loans and leases to core deposits | 82.4720% | 3,176 |
| Total domestic deposits to total assets | 86.9112% | 2,195 |
| Equity capital to assets | 12.2742% | 1,646 |
| Core capital (leverage) ratio | 12.4715% | 1,342 |
| Tier 1 risk-based capital ratio | 18.9306% | 1,621 |
| Total risk-based capital ratio | 20.1713% | 1,586 |
| Memoranda: | ||
| Average total assets | $68,439,800 | 4,966 |
| Average earning assets | $64,502,000 | 4,932 |
| Average equity | $8,691,200 | 4,803 |
| Average total loans | $57,456,400 | 4,362 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4791% | 257 |
| Cost of funding earning assets | 0.9035% | 290 |
| Net interest margin | 4.5756% | 530 |
| Noninterest income to average assets | 4.9340% | 124 |
| Noninterest expense to average assets | 9.3009% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.0391% | 5,738 |
| Return on assets (ROA) | -0.0391% | 5,756 |
| Pretax return on assets | -0.0587% | 5,752 |
| Return on Equity (ROE) | -0.3054% | 5,756 |
| Retained earnings to average equity (ytd only) | -0.3054% | 5,418 |
| Net charge-offs to loans | 0.1027% | 1,920 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -0.6522% | 3,844 |
| Efficiency ratio | 100.6348% | 218 |
| Assets per employee ($millions) | 1.5667% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 4,810 |
| Loan loss allowance to noncurrent loans | 70.2771% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.3182% | 1,449 |
| Noncurrent loans to loans | 1.3081% | 1,700 |
| Net loans and leases to total assets | 83.4515% | 461 |
| Net loans and leases to deposits | 104.3770% | 435 |
| Net loans and leases to core deposits | 108.9057% | 993 |
| Total domestic deposits to total assets | 79.9520% | 4,521 |
| Equity capital to assets | 12.0818% | 2,055 |
| Core capital (leverage) ratio | 12.1092% | 1,599 |
| Tier 1 risk-based capital ratio | 17.4952% | 2,081 |
| Total risk-based capital ratio | 18.6847% | 2,059 |
| Memoranda: | ||
| Average total assets | $68,178,000 | 5,017 |
| Average earning assets | $64,193,500 | 4,977 |
| Average equity | $8,731,750 | 4,849 |
| Average total loans | $59,723,750 | 4,337 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3029% | 361 |
| Cost of funding earning assets | 0.8097% | 467 |
| Net interest margin | 4.4932% | 629 |
| Noninterest income to average assets | 4.4975% | 139 |
| Noninterest expense to average assets | 8.4059% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2123% | 5,500 |
| Return on assets (ROA) | 0.2123% | 5,561 |
| Pretax return on assets | 0.3230% | 5,464 |
| Return on Equity (ROE) | 1.6247% | 5,590 |
| Retained earnings to average equity (ytd only) | 1.6247% | 4,733 |
| Net charge-offs to loans | 0.0202% | 3,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,843 |
| Efficiency ratio | 96.3001% | 333 |
| Assets per employee ($millions) | 1.5818% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 4,947 |
| Loan loss allowance to noncurrent loans | 74.3781% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.3169% | 1,529 |
| Noncurrent loans to loans | 1.2158% | 1,890 |
| Net loans and leases to total assets | 88.1430% | 131 |
| Net loans and leases to deposits | 122.3629% | 92 |
| Net loans and leases to core deposits | 125.3976% | 383 |
| Total domestic deposits to total assets | 72.0341% | 5,666 |
| Equity capital to assets | 11.8342% | 2,244 |
| Core capital (leverage) ratio | 13.4846% | 990 |
| Tier 1 risk-based capital ratio | 17.9390% | 1,946 |
| Total risk-based capital ratio | 19.1583% | 1,916 |
| Memoranda: | ||
| Average total assets | $66,881,670 | 5,085 |
| Average earning assets | $62,984,670 | 5,050 |
| Average equity | $8,740,000 | 4,885 |
| Average total loans | $59,398,670 | 4,372 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1764% | 432 |
| Cost of funding earning assets | 0.8067% | 480 |
| Net interest margin | 4.3697% | 796 |
| Noninterest income to average assets | 3.1617% | 187 |
| Noninterest expense to average assets | 7.2719% | 130 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0696% | 5,829 |
| Return on assets (ROA) | -0.0696% | 5,848 |
| Pretax return on assets | 0.0000% | 5,810 |
| Return on Equity (ROE) | -0.5004% | 5,846 |
| Retained earnings to average equity (ytd only) | -0.5004% | 5,197 |
| Net charge-offs to loans | 0.1214% | 1,380 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,977 |
| Efficiency ratio | 100.0000% | 288 |
| Assets per employee ($millions) | 2.1194% | 5,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0490% | 4,339 |
| Loan loss allowance to noncurrent loans | 79.5393% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 1.5397% | 1,308 |
| Noncurrent loans to loans | 1.3188% | 1,812 |
| Net loans and leases to total assets | 87.0862% | 162 |
| Net loans and leases to deposits | 113.3975% | 159 |
| Net loans and leases to core deposits | 115.8677% | 599 |
| Total domestic deposits to total assets | 76.7973% | 5,318 |
| Equity capital to assets | 13.8732% | 1,025 |
| Core capital (leverage) ratio | 14.4105% | 716 |
| Tier 1 risk-based capital ratio | 22.6362% | 1,068 |
| Total risk-based capital ratio | 23.8900% | 1,041 |
| Memoranda: | ||
| Average total assets | $63,257,000 | 5,216 |
| Average earning assets | $59,501,000 | 5,172 |
| Average equity | $8,792,500 | 4,904 |
| Average total loans | $56,034,500 | 4,497 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2015% | 429 |
| Cost of funding earning assets | 0.7941% | 503 |
| Net interest margin | 4.4074% | 785 |
| Noninterest income to average assets | 2.8592% | 216 |
| Noninterest expense to average assets | 6.9570% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0247% | 5,847 |
| Return on assets (ROA) | 0.0247% | 5,874 |
| Pretax return on assets | 0.0649% | 5,833 |
| Return on Equity (ROE) | 0.1815% | 5,876 |
| Retained earnings to average equity (ytd only) | 0.1815% | 5,436 |
| Net charge-offs to loans | 0.1501% | 1,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.4828% | 4,224 |
| Efficiency ratio | 99.0751% | 306 |
| Assets per employee ($millions) | 1.7480% | 6,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 4,182 |
| Loan loss allowance to noncurrent loans | 167.0360% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 2,476 |
| Noncurrent loans to loans | 0.6434% | 3,254 |
| Net loans and leases to total assets | 88.2086% | 116 |
| Net loans and leases to deposits | 115.0213% | 154 |
| Net loans and leases to core deposits | 117.5473% | 558 |
| Total domestic deposits to total assets | 76.6889% | 5,370 |
| Equity capital to assets | 13.9972% | 930 |
| Core capital (leverage) ratio | 14.4176% | 732 |
| Tier 1 risk-based capital ratio | 22.5667% | 1,076 |
| Total risk-based capital ratio | 23.8195% | 1,053 |
| Memoranda: | ||
| Average total assets | $64,668,800 | 5,207 |
| Average earning assets | $61,078,800 | 5,158 |
| Average equity | $8,813,400 | 4,891 |
| Average total loans | $57,968,000 | 4,426 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2625% | 394 |
| Cost of funding earning assets | 0.7911% | 522 |
| Net interest margin | 4.4714% | 697 |
| Noninterest income to average assets | 2.9511% | 220 |
| Noninterest expense to average assets | 7.0920% | 144 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0553% | 5,887 |
| Return on assets (ROA) | 0.0553% | 5,930 |
| Pretax return on assets | 0.0840% | 5,906 |
| Return on Equity (ROE) | 0.4084% | 5,934 |
| Retained earnings to average equity (ytd only) | 0.4084% | 5,501 |
| Net charge-offs to loans | -0.0342% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8299% | 324 |
| Assets per employee ($millions) | 1.9427% | 6,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 3,295 |
| Loan loss allowance to noncurrent loans | 122.9965% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 1.0939% | 2,166 |
| Noncurrent loans to loans | 1.0262% | 2,427 |
| Net loans and leases to total assets | 88.8442% | 98 |
| Net loans and leases to deposits | 113.8153% | 171 |
| Net loans and leases to core deposits | 115.6625% | 602 |
| Total domestic deposits to total assets | 78.0600% | 5,173 |
| Equity capital to assets | 14.1880% | 947 |
| Core capital (leverage) ratio | 13.7313% | 932 |
| Tier 1 risk-based capital ratio | 23.8520% | 959 |
| Total risk-based capital ratio | 25.1095% | 947 |
| Memoranda: | ||
| Average total assets | $65,104,250 | 5,268 |
| Average earning assets | $61,515,000 | 5,207 |
| Average equity | $8,814,750 | 4,950 |
| Average total loans | $58,432,500 | 4,460 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2732% | 379 |
| Cost of funding earning assets | 0.7743% | 567 |
| Net interest margin | 4.4988% | 638 |
| Noninterest income to average assets | 3.0234% | 213 |
| Noninterest expense to average assets | 7.0910% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1574% | 5,794 |
| Return on assets (ROA) | 0.1574% | 5,844 |
| Pretax return on assets | 0.1876% | 5,834 |
| Return on Equity (ROE) | 1.1801% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.1801% | 5,090 |
| Net charge-offs to loans | -0.0472% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4220% | 395 |
| Assets per employee ($millions) | 2.1283% | 6,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1567% | 4,046 |
| Loan loss allowance to noncurrent loans | 143.2927% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.9064% | 2,720 |
| Noncurrent loans to loans | 0.8072% | 3,099 |
| Net loans and leases to total assets | 91.3106% | 37 |
| Net loans and leases to deposits | 119.9196% | 97 |
| Net loans and leases to core deposits | 121.7912% | 422 |
| Total domestic deposits to total assets | 76.1432% | 5,583 |
| Equity capital to assets | 13.4062% | 1,215 |
| Core capital (leverage) ratio | 13.4115% | 1,011 |
| Tier 1 risk-based capital ratio | 23.0111% | 1,080 |
| Total risk-based capital ratio | 24.2677% | 1,055 |
| Memoranda: | ||
| Average total assets | $66,084,000 | 5,303 |
| Average earning assets | $62,505,000 | 5,239 |
| Average equity | $8,813,000 | 4,984 |
| Average total loans | $59,264,670 | 4,485 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0203% | 559 |
| Cost of funding earning assets | 0.7665% | 601 |
| Net interest margin | 4.2538% | 969 |
| Noninterest income to average assets | 2.7942% | 235 |
| Noninterest expense to average assets | 6.7435% | 158 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0544% | 5,949 |
| Return on assets (ROA) | 0.0544% | 5,993 |
| Pretax return on assets | 0.0786% | 5,971 |
| Return on Equity (ROE) | 0.4092% | 5,995 |
| Retained earnings to average equity (ytd only) | 0.4092% | 5,243 |
| Net charge-offs to loans | -0.0890% | 5,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8475% | 402 |
| Assets per employee ($millions) | 1.6812% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 3,966 |
| Loan loss allowance to noncurrent loans | 104.1420% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.3193% | 2,012 |
| Noncurrent loans to loans | 1.1548% | 2,458 |
| Net loans and leases to total assets | 88.2043% | 97 |
| Net loans and leases to deposits | 115.9516% | 135 |
| Net loans and leases to core deposits | 117.1684% | 481 |
| Total domestic deposits to total assets | 76.0699% | 5,732 |
| Equity capital to assets | 13.4231% | 1,206 |
| Core capital (leverage) ratio | 13.3250% | 1,044 |
| Tier 1 risk-based capital ratio | 20.9239% | 1,438 |
| Total risk-based capital ratio | 22.1768% | 1,415 |
| Memoranda: | ||
| Average total assets | $66,137,500 | 5,353 |
| Average earning assets | $62,626,000 | 5,290 |
| Average equity | $8,797,000 | 5,037 |
| Average total loans | $58,422,500 | 4,532 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7934% | 1,128 |
| Cost of funding earning assets | 0.7528% | 837 |
| Net interest margin | 4.0406% | 1,773 |
| Noninterest income to average assets | 1.4092% | 611 |
| Noninterest expense to average assets | 7.2324% | 131 |
| Loan and lease loss provision to assets | 0.0671% | 3,155 |
| Net operating income to assets | -1.4510% | 6,426 |
| Return on assets (ROA) | -1.4510% | 6,425 |
| Pretax return on assets | -2.0564% | 6,447 |
| Return on Equity (ROE) | -10.5383% | 6,369 |
| Retained earnings to average equity (ytd only) | -10.5383% | 6,325 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.9408% | 72 |
| Assets per employee ($millions) | 2.0215% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1851% | 4,098 |
| Loan loss allowance to noncurrent loans | 147.0213% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9879% | 2,781 |
| Noncurrent loans to loans | 0.8061% | 3,294 |
| Net loans and leases to total assets | 86.3722% | 186 |
| Net loans and leases to deposits | 112.8968% | 178 |
| Net loans and leases to core deposits | 114.0499% | 605 |
| Total domestic deposits to total assets | 76.5054% | 5,666 |
| Equity capital to assets | 13.2321% | 1,258 |
| Core capital (leverage) ratio | 13.2178% | 1,051 |
| Tier 1 risk-based capital ratio | 23.2416% | 1,043 |
| Total risk-based capital ratio | 24.4991% | 1,023 |
| Memoranda: | ||
| Average total assets | $67,059,400 | 5,370 |
| Average earning assets | $63,629,200 | 5,292 |
| Average equity | $9,233,000 | 4,915 |
| Average total loans | $56,796,200 | 4,588 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,274 |
| Cost of funding earning assets | 0.7429% | 929 |
| Net interest margin | 3.9722% | 1,956 |
| Noninterest income to average assets | 1.3085% | 710 |
| Noninterest expense to average assets | 7.4303% | 126 |
| Loan and lease loss provision to assets | 0.0238% | 3,929 |
| Net operating income to assets | -1.6461% | 6,510 |
| Return on assets (ROA) | -1.6461% | 6,508 |
| Pretax return on assets | -2.3768% | 6,538 |
| Return on Equity (ROE) | -11.8411% | 6,467 |
| Retained earnings to average equity (ytd only) | -11.8411% | 6,412 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.3434% | 62 |
| Assets per employee ($millions) | 1.8546% | 6,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 4,457 |
| Loan loss allowance to noncurrent loans | 155.5556% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 3,026 |
| Noncurrent loans to loans | 0.7443% | 3,742 |
| Net loans and leases to total assets | 81.8593% | 526 |
| Net loans and leases to deposits | 106.3804% | 314 |
| Net loans and leases to core deposits | 107.4262% | 874 |
| Total domestic deposits to total assets | 76.9495% | 5,685 |
| Equity capital to assets | 13.0722% | 1,392 |
| Core capital (leverage) ratio | 13.0582% | 1,151 |
| Tier 1 risk-based capital ratio | 23.2653% | 1,082 |
| Total risk-based capital ratio | 24.5222% | 1,065 |
| Memoranda: | ||
| Average total assets | $67,147,000 | 5,426 |
| Average earning assets | $63,708,500 | 5,347 |
| Average equity | $9,334,500 | 4,938 |
| Average total loans | $56,418,000 | 4,646 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6438% | 1,415 |
| Cost of funding earning assets | 0.7239% | 1,060 |
| Net interest margin | 3.9199% | 2,083 |
| Noninterest income to average assets | 1.0472% | 1,080 |
| Noninterest expense to average assets | 7.4802% | 120 |
| Loan and lease loss provision to assets | 0.0360% | 3,570 |
| Net operating income to assets | -1.8753% | 6,591 |
| Return on assets (ROA) | -1.8753% | 6,589 |
| Pretax return on assets | -2.7484% | 6,618 |
| Return on Equity (ROE) | -13.2191% | 6,538 |
| Retained earnings to average equity (ytd only) | -13.2191% | 6,470 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 156.8911% | 50 |
| Assets per employee ($millions) | 1.5660% | 6,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 4,671 |
| Loan loss allowance to noncurrent loans | 141.8103% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.3766% | 2,372 |
| Noncurrent loans to loans | 0.8091% | 3,685 |
| Net loans and leases to total assets | 84.1803% | 288 |
| Net loans and leases to deposits | 106.4285% | 289 |
| Net loans and leases to core deposits | 107.4594% | 797 |
| Total domestic deposits to total assets | 79.0956% | 5,437 |
| Equity capital to assets | 13.6249% | 1,118 |
| Core capital (leverage) ratio | 13.6095% | 947 |
| Tier 1 risk-based capital ratio | 24.5532% | 924 |
| Total risk-based capital ratio | 25.8099% | 905 |
| Memoranda: | ||
| Average total assets | $66,656,330 | 5,486 |
| Average earning assets | $63,267,330 | 5,412 |
| Average equity | $9,456,000 | 4,920 |
| Average total loans | $56,281,000 | 4,677 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 1,832 |
| Cost of funding earning assets | 0.7183% | 1,132 |
| Net interest margin | 3.7757% | 2,569 |
| Noninterest income to average assets | 0.8203% | 1,672 |
| Noninterest expense to average assets | 7.7509% | 115 |
| Loan and lease loss provision to assets | 0.0724% | 2,692 |
| Net operating income to assets | -2.4550% | 6,677 |
| Return on assets (ROA) | -2.4550% | 6,675 |
| Pretax return on assets | -3.4201% | 6,696 |
| Return on Equity (ROE) | -16.9645% | 6,613 |
| Retained earnings to average equity (ytd only) | -16.9645% | 6,496 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.0274% | 38 |
| Assets per employee ($millions) | 1.8303% | 6,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 4,580 |
| Loan loss allowance to noncurrent loans | 136.7983% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.4676% | 2,417 |
| Noncurrent loans to loans | 0.8867% | 3,663 |
| Net loans and leases to total assets | 81.3280% | 417 |
| Net loans and leases to deposits | 104.1151% | 287 |
| Net loans and leases to core deposits | 107.0605% | 715 |
| Total domestic deposits to total assets | 78.1135% | 5,821 |
| Equity capital to assets | 14.2556% | 847 |
| Core capital (leverage) ratio | 14.2387% | 749 |
| Tier 1 risk-based capital ratio | 26.1463% | 780 |
| Total risk-based capital ratio | 27.4035% | 766 |
| Memoranda: | ||
| Average total assets | $66,314,500 | 5,555 |
| Average earning assets | $62,929,000 | 5,474 |
| Average equity | $9,596,500 | 4,909 |
| Average total loans | $55,749,000 | 4,735 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2375% | 591 |
| Cost of funding earning assets | 0.7864% | 1,282 |
| Net interest margin | 4.4511% | 820 |
| Noninterest income to average assets | 3.2154% | 207 |
| Noninterest expense to average assets | 6.5321% | 164 |
| Loan and lease loss provision to assets | 0.9800% | 185 |
| Net operating income to assets | -0.1785% | 6,353 |
| Return on assets (ROA) | -0.1785% | 6,362 |
| Pretax return on assets | -0.0681% | 6,270 |
| Return on Equity (ROE) | -1.1942% | 6,337 |
| Retained earnings to average equity (ytd only) | -1.1942% | 6,087 |
| Net charge-offs to loans | 0.9219% | 661 |
| Credit loss provision to net charge-offs | 123.9006% | 1,919 |
| Earnings coverage of net charge-offs (x) | 1.1530% | 4,686 |
| Efficiency ratio | 87.7489% | 1,244 |
| Assets per employee ($millions) | 1.5890% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,006 |
| Loan loss allowance to noncurrent loans | 139.8268% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 1.3665% | 2,701 |
| Noncurrent loans to loans | 0.8069% | 3,959 |
| Net loans and leases to total assets | 84.8185% | 207 |
| Net loans and leases to deposits | 110.9310% | 159 |
| Net loans and leases to core deposits | 112.3824% | 519 |
| Total domestic deposits to total assets | 76.4605% | 6,051 |
| Equity capital to assets | 14.6841% | 743 |
| Core capital (leverage) ratio | 14.6674% | 648 |
| Tier 1 risk-based capital ratio | 27.2824% | 655 |
| Total risk-based capital ratio | 28.5396% | 642 |
| Memoranda: | ||
| Average total assets | $66,119,400 | 5,592 |
| Average earning assets | $62,816,000 | 5,512 |
| Average equity | $9,880,800 | 4,879 |
| Average total loans | $56,730,800 | 4,721 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 556 |
| Cost of funding earning assets | 0.7993% | 1,326 |
| Net interest margin | 4.4706% | 768 |
| Noninterest income to average assets | 3.4038% | 205 |
| Noninterest expense to average assets | 6.4336% | 171 |
| Loan and lease loss provision to assets | 1.4027% | 87 |
| Net operating income to assets | -0.2668% | 6,501 |
| Return on assets (ROA) | -0.2668% | 6,518 |
| Pretax return on assets | -0.1819% | 6,463 |
| Return on Equity (ROE) | -1.7776% | 6,468 |
| Retained earnings to average equity (ytd only) | -1.7776% | 6,237 |
| Net charge-offs to loans | 0.6737% | 892 |
| Credit loss provision to net charge-offs | 242.6573% | 1,019 |
| Earnings coverage of net charge-offs (x) | 2.1119% | 4,134 |
| Efficiency ratio | 84.0507% | 1,590 |
| Assets per employee ($millions) | 1.9724% | 6,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5956% | 3,015 |
| Loan loss allowance to noncurrent loans | 72.0155% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 2.1338% | 1,867 |
| Noncurrent loans to loans | 2.2156% | 2,004 |
| Net loans and leases to total assets | 85.4331% | 175 |
| Net loans and leases to deposits | 111.4171% | 136 |
| Net loans and leases to core deposits | 112.8612% | 477 |
| Total domestic deposits to total assets | 76.6786% | 6,092 |
| Equity capital to assets | 14.5922% | 794 |
| Core capital (leverage) ratio | 14.5808% | 714 |
| Tier 1 risk-based capital ratio | 25.6911% | 809 |
| Total risk-based capital ratio | 26.9550% | 798 |
| Memoranda: | ||
| Average total assets | $65,964,500 | 5,653 |
| Average earning assets | $62,720,000 | 5,573 |
| Average equity | $9,901,000 | 4,922 |
| Average total loans | $56,600,250 | 4,773 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3372% | 488 |
| Cost of funding earning assets | 0.8092% | 1,371 |
| Net interest margin | 4.5279% | 678 |
| Noninterest income to average assets | 4.0672% | 183 |
| Noninterest expense to average assets | 5.9361% | 213 |
| Loan and lease loss provision to assets | 2.1159% | 47 |
| Net operating income to assets | 0.1524% | 6,019 |
| Return on assets (ROA) | 0.1524% | 6,130 |
| Pretax return on assets | 0.3140% | 5,838 |
| Return on Equity (ROE) | 1.0061% | 6,211 |
| Retained earnings to average equity (ytd only) | 1.0061% | 5,500 |
| Net charge-offs to loans | 0.9740% | 628 |
| Credit loss provision to net charge-offs | 254.2125% | 985 |
| Earnings coverage of net charge-offs (x) | 2.9194% | 3,553 |
| Efficiency ratio | 70.9548% | 3,650 |
| Assets per employee ($millions) | 1.9485% | 6,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6205% | 3,085 |
| Loan loss allowance to noncurrent loans | 197.8992% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 1.1728% | 3,406 |
| Noncurrent loans to loans | 0.8189% | 4,274 |
| Net loans and leases to total assets | 86.3213% | 137 |
| Net loans and leases to deposits | 110.1805% | 140 |
| Net loans and leases to core deposits | 111.5931% | 498 |
| Total domestic deposits to total assets | 78.3453% | 5,910 |
| Equity capital to assets | 15.0463% | 705 |
| Core capital (leverage) ratio | 15.0373% | 605 |
| Tier 1 risk-based capital ratio | 28.5915% | 600 |
| Total risk-based capital ratio | 29.8602% | 583 |
| Memoranda: | ||
| Average total assets | $65,598,330 | 5,705 |
| Average earning assets | $62,280,330 | 5,616 |
| Average equity | $9,939,330 | 4,961 |
| Average total loans | $56,059,330 | 4,818 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2456% | 558 |
| Cost of funding earning assets | 0.8194% | 1,421 |
| Net interest margin | 4.4262% | 768 |
| Noninterest income to average assets | 2.9354% | 260 |
| Noninterest expense to average assets | 5.7237% | 234 |
| Loan and lease loss provision to assets | 1.0847% | 160 |
| Net operating income to assets | 0.0797% | 6,188 |
| Return on assets (ROA) | 0.0797% | 6,275 |
| Pretax return on assets | 0.3309% | 5,776 |
| Return on Equity (ROE) | 0.5239% | 6,326 |
| Retained earnings to average equity (ytd only) | 0.5239% | 5,618 |
| Net charge-offs to loans | 1.7592% | 282 |
| Credit loss provision to net charge-offs | 73.1405% | 2,251 |
| Earnings coverage of net charge-offs (x) | 0.9545% | 3,516 |
| Efficiency ratio | 80.1717% | 2,316 |
| Assets per employee ($millions) | 2.2162% | 6,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 6,414 |
| Loan loss allowance to noncurrent loans | 102.0134% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.2946% | 3,380 |
| Noncurrent loans to loans | 0.8091% | 4,507 |
| Net loans and leases to total assets | 85.2479% | 152 |
| Net loans and leases to deposits | 102.9985% | 250 |
| Net loans and leases to core deposits | 104.2846% | 706 |
| Total domestic deposits to total assets | 82.7662% | 4,933 |
| Equity capital to assets | 15.4538% | 647 |
| Core capital (leverage) ratio | 15.4538% | 519 |
| Tier 1 risk-based capital ratio | 27.4221% | 675 |
| Total risk-based capital ratio | 28.6728% | 667 |
| Memoranda: | ||
| Average total assets | $65,273,000 | 5,763 |
| Average earning assets | $61,994,500 | 5,678 |
| Average equity | $9,925,000 | 5,001 |
| Average total loans | $55,024,500 | 4,887 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0802% | 1,351 |
| Cost of funding earning assets | 0.9711% | 1,521 |
| Net interest margin | 4.1091% | 1,966 |
| Noninterest income to average assets | 3.2233% | 230 |
| Noninterest expense to average assets | 5.4283% | 283 |
| Loan and lease loss provision to assets | 0.4434% | 1,427 |
| Net operating income to assets | 0.7080% | 3,701 |
| Return on assets (ROA) | 0.7080% | 3,956 |
| Pretax return on assets | 1.2661% | 2,537 |
| Return on Equity (ROE) | 4.7767% | 4,800 |
| Retained earnings to average equity (ytd only) | 4.7767% | 2,869 |
| Net charge-offs to loans | 0.4436% | 2,454 |
| Credit loss provision to net charge-offs | 126.6376% | 2,231 |
| Earnings coverage of net charge-offs (x) | 4.8821% | 3,218 |
| Efficiency ratio | 76.0497% | 2,735 |
| Assets per employee ($millions) | 2.3670% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 6,126 |
| Loan loss allowance to noncurrent loans | 71.4678% | 4,210 |
| Noncurrent assets plus other real estate owned to assets | 2.0203% | 2,427 |
| Noncurrent loans to loans | 1.3302% | 3,617 |
| Net loans and leases to total assets | 81.9047% | 331 |
| Net loans and leases to deposits | 99.3612% | 437 |
| Net loans and leases to core deposits | 100.5669% | 992 |
| Total domestic deposits to total assets | 82.4313% | 4,951 |
| Equity capital to assets | 14.9645% | 745 |
| Core capital (leverage) ratio | 14.9645% | 577 |
| Tier 1 risk-based capital ratio | 26.8700% | 700 |
| Total risk-based capital ratio | 28.1217% | 695 |
| Memoranda: | ||
| Average total assets | $65,398,200 | 5,770 |
| Average earning assets | $62,301,000 | 5,658 |
| Average equity | $9,692,800 | 5,055 |
| Average total loans | $51,618,200 | 5,034 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0346% | 1,599 |
| Cost of funding earning assets | 1.0018% | 1,547 |
| Net interest margin | 4.0329% | 2,368 |
| Noninterest income to average assets | 2.9805% | 248 |
| Noninterest expense to average assets | 5.1038% | 342 |
| Loan and lease loss provision to assets | 0.2782% | 2,343 |
| Net operating income to assets | 0.7201% | 3,830 |
| Return on assets (ROA) | 0.7201% | 4,073 |
| Pretax return on assets | 1.4442% | 2,096 |
| Return on Equity (ROE) | 4.8702% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.8702% | 3,463 |
| Net charge-offs to loans | 0.1076% | 4,311 |
| Credit loss provision to net charge-offs | 331.7073% | 801 |
| Earnings coverage of net charge-offs (x) | 20.5348% | 1,444 |
| Efficiency ratio | 74.7678% | 2,864 |
| Assets per employee ($millions) | 2.4892% | 6,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 6,147 |
| Loan loss allowance to noncurrent loans | 72.1717% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 1.9299% | 2,742 |
| Noncurrent loans to loans | 1.3626% | 3,745 |
| Net loans and leases to total assets | 86.3458% | 136 |
| Net loans and leases to deposits | 103.5964% | 294 |
| Net loans and leases to core deposits | 104.8658% | 817 |
| Total domestic deposits to total assets | 83.3483% | 4,500 |
| Equity capital to assets | 15.1530% | 790 |
| Core capital (leverage) ratio | 15.1530% | 587 |
| Tier 1 risk-based capital ratio | 27.0150% | 743 |
| Total risk-based capital ratio | 28.2684% | 726 |
| Memoranda: | ||
| Average total assets | $65,178,500 | 5,843 |
| Average earning assets | $62,154,500 | 5,735 |
| Average equity | $9,636,500 | 5,119 |
| Average total loans | $50,821,500 | 5,136 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 2,082 |
| Cost of funding earning assets | 1.0332% | 1,558 |
| Net interest margin | 3.8731% | 3,023 |
| Noninterest income to average assets | 2.5807% | 287 |
| Noninterest expense to average assets | 4.7726% | 439 |
| Loan and lease loss provision to assets | 0.0949% | 4,364 |
| Net operating income to assets | 0.8021% | 3,392 |
| Return on assets (ROA) | 0.8021% | 3,642 |
| Pretax return on assets | 1.4082% | 2,170 |
| Return on Equity (ROE) | 5.4699% | 4,598 |
| Retained earnings to average equity (ytd only) | 5.4699% | 3,003 |
| Net charge-offs to loans | 0.1798% | 3,518 |
| Credit loss provision to net charge-offs | 70.4545% | 3,548 |
| Earnings coverage of net charge-offs (x) | 11.1591% | 1,987 |
| Efficiency ratio | 76.0488% | 2,737 |
| Assets per employee ($millions) | 2.7920% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 6,481 |
| Loan loss allowance to noncurrent loans | 75.5068% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.7207% | 3,145 |
| Noncurrent loans to loans | 1.1819% | 4,179 |
| Net loans and leases to total assets | 77.3051% | 809 |
| Net loans and leases to deposits | 91.9604% | 955 |
| Net loans and leases to core deposits | 92.6504% | 1,713 |
| Total domestic deposits to total assets | 84.0634% | 4,295 |
| Equity capital to assets | 15.1315% | 753 |
| Core capital (leverage) ratio | 15.1315% | 581 |
| Tier 1 risk-based capital ratio | 28.9774% | 572 |
| Total risk-based capital ratio | 30.2299% | 558 |
| Memoranda: | ||
| Average total assets | $65,331,330 | 5,871 |
| Average earning assets | $62,328,000 | 5,755 |
| Average equity | $9,579,670 | 5,138 |
| Average total loans | $48,949,330 | 5,238 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 2,884 |
| Cost of funding earning assets | 1.0802% | 1,497 |
| Net interest margin | 3.6601% | 4,006 |
| Noninterest income to average assets | 2.3858% | 320 |
| Noninterest expense to average assets | 4.4864% | 558 |
| Loan and lease loss provision to assets | 0.1639% | 3,341 |
| Net operating income to assets | 0.6860% | 3,952 |
| Return on assets (ROA) | 0.6860% | 4,167 |
| Pretax return on assets | 1.2324% | 2,797 |
| Return on Equity (ROE) | 4.7524% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.7524% | 3,707 |
| Net charge-offs to loans | 0.4465% | 1,973 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 4.2593% | 2,615 |
| Efficiency ratio | 76.2642% | 2,752 |
| Assets per employee ($millions) | 2.8768% | 6,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 6,652 |
| Loan loss allowance to noncurrent loans | 60.9001% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 1.6337% | 3,402 |
| Noncurrent loans to loans | 1.3865% | 4,034 |
| Net loans and leases to total assets | 76.8465% | 713 |
| Net loans and leases to deposits | 90.5976% | 910 |
| Net loans and leases to core deposits | 91.2512% | 1,723 |
| Total domestic deposits to total assets | 84.8217% | 4,113 |
| Equity capital to assets | 14.4604% | 873 |
| Core capital (leverage) ratio | 14.4604% | 698 |
| Tier 1 risk-based capital ratio | 28.0842% | 634 |
| Total risk-based capital ratio | 29.3346% | 622 |
| Memoranda: | ||
| Average total assets | $65,888,500 | 5,893 |
| Average earning assets | $62,949,000 | 5,777 |
| Average equity | $9,511,000 | 5,168 |
| Average total loans | $48,379,000 | 5,293 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 6,241 |
| Cost of funding earning assets | 1.3541% | 1,222 |
| Net interest margin | 2.7674% | 6,858 |
| Noninterest income to average assets | 0.6449% | 2,919 |
| Noninterest expense to average assets | 3.1871% | 2,911 |
| Loan and lease loss provision to assets | 0.5540% | 1,883 |
| Net operating income to assets | -0.2696% | 6,314 |
| Return on assets (ROA) | -0.2696% | 6,374 |
| Pretax return on assets | -0.4542% | 6,457 |
| Return on Equity (ROE) | -1.8966% | 6,327 |
| Retained earnings to average equity (ytd only) | -1.8966% | 6,143 |
| Net charge-offs to loans | 0.2727% | 4,062 |
| Credit loss provision to net charge-offs | 310.0000% | 750 |
| Earnings coverage of net charge-offs (x) | 0.5583% | 5,414 |
| Efficiency ratio | 96.9642% | 770 |
| Assets per employee ($millions) | 3.2805% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 6,162 |
| Loan loss allowance to noncurrent loans | 66.3781% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.6202% | 3,527 |
| Noncurrent loans to loans | 1.5238% | 3,864 |
| Net loans and leases to total assets | 68.6145% | 2,289 |
| Net loans and leases to deposits | 80.8920% | 2,378 |
| Net loans and leases to core deposits | 81.8539% | 3,202 |
| Total domestic deposits to total assets | 84.8224% | 3,940 |
| Equity capital to assets | 14.4094% | 926 |
| Core capital (leverage) ratio | 14.4094% | 734 |
| Tier 1 risk-based capital ratio | 27.6207% | 652 |
| Total risk-based capital ratio | 28.8711% | 641 |
| Memoranda: | ||
| Average total assets | $67,145,200 | 5,831 |
| Average earning assets | $64,103,400 | 5,729 |
| Average equity | $9,543,600 | 5,140 |
| Average total loans | $44,001,200 | 5,518 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 6,243 |
| Cost of funding earning assets | 1.4048% | 1,217 |
| Net interest margin | 2.7806% | 6,908 |
| Noninterest income to average assets | 0.2646% | 5,726 |
| Noninterest expense to average assets | 2.8333% | 4,221 |
| Loan and lease loss provision to assets | 0.7345% | 1,303 |
| Net operating income to assets | -0.4107% | 6,592 |
| Return on assets (ROA) | -0.4107% | 6,640 |
| Pretax return on assets | -0.6496% | 6,707 |
| Return on Equity (ROE) | -2.8991% | 6,554 |
| Retained earnings to average equity (ytd only) | -2.8991% | 6,406 |
| Net charge-offs to loans | 0.2200% | 4,061 |
| Credit loss provision to net charge-offs | 516.6667% | 531 |
| Earnings coverage of net charge-offs (x) | 0.5972% | 5,175 |
| Efficiency ratio | 97.0907% | 768 |
| Assets per employee ($millions) | 3.2600% | 5,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 5,670 |
| Loan loss allowance to noncurrent loans | 73.5166% | 3,826 |
| Noncurrent assets plus other real estate owned to assets | 1.5460% | 3,773 |
| Noncurrent loans to loans | 1.5680% | 3,945 |
| Net loans and leases to total assets | 66.8113% | 2,711 |
| Net loans and leases to deposits | 78.9907% | 2,815 |
| Net loans and leases to core deposits | 79.4372% | 3,716 |
| Total domestic deposits to total assets | 84.5813% | 3,975 |
| Equity capital to assets | 14.4586% | 1,006 |
| Core capital (leverage) ratio | 14.4586% | 783 |
| Tier 1 risk-based capital ratio | 28.1967% | 640 |
| Total risk-based capital ratio | 29.4470% | 630 |
| Memoranda: | ||
| Average total assets | $67,529,000 | 5,853 |
| Average earning assets | $64,445,250 | 5,760 |
| Average equity | $9,566,000 | 5,164 |
| Average total loans | $43,632,000 | 5,578 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 6,356 |
| Cost of funding earning assets | 1.4690% | 1,120 |
| Net interest margin | 2.6958% | 7,031 |
| Noninterest income to average assets | 0.1113% | 6,774 |
| Noninterest expense to average assets | 2.6118% | 5,143 |
| Loan and lease loss provision to assets | 0.3162% | 2,892 |
| Net operating income to assets | -0.1318% | 6,391 |
| Return on assets (ROA) | -0.1318% | 6,433 |
| Pretax return on assets | -0.2430% | 6,491 |
| Return on Equity (ROE) | -0.9363% | 6,397 |
| Retained earnings to average equity (ytd only) | -0.9363% | 6,041 |
| Net charge-offs to loans | 0.4323% | 2,845 |
| Credit loss provision to net charge-offs | 114.8936% | 2,668 |
| Earnings coverage of net charge-offs (x) | 0.2660% | 5,113 |
| Efficiency ratio | 97.2737% | 821 |
| Assets per employee ($millions) | 5.0354% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5214% | 7,213 |
| Loan loss allowance to noncurrent loans | 56.3452% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 4,501 |
| Noncurrent loans to loans | 0.9253% | 5,118 |
| Net loans and leases to total assets | 64.7082% | 3,319 |
| Net loans and leases to deposits | 76.4668% | 3,384 |
| Net loans and leases to core deposits | 77.3789% | 4,138 |
| Total domestic deposits to total assets | 84.6227% | 4,061 |
| Equity capital to assets | 14.6502% | 905 |
| Core capital (leverage) ratio | 14.6502% | 737 |
| Tier 1 risk-based capital ratio | 29.5259% | 561 |
| Total risk-based capital ratio | 30.2094% | 590 |
| Memoranda: | ||
| Average total assets | $68,305,330 | 5,879 |
| Average earning assets | $65,212,330 | 5,782 |
| Average equity | $9,612,330 | 5,151 |
| Average total loans | $43,486,330 | 5,632 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 6,557 |
| Cost of funding earning assets | 1.5479% | 985 |
| Net interest margin | 2.5259% | 7,175 |
| Noninterest income to average assets | 0.1434% | 6,695 |
| Noninterest expense to average assets | 2.5184% | 5,490 |
| Loan and lease loss provision to assets | 0.3499% | 2,462 |
| Net operating income to assets | -0.1549% | 6,510 |
| Return on assets (ROA) | -0.1549% | 6,531 |
| Pretax return on assets | -0.3098% | 6,626 |
| Return on Equity (ROE) | -1.1223% | 6,498 |
| Retained earnings to average equity (ytd only) | -1.1223% | 6,011 |
| Net charge-offs to loans | 0.8557% | 1,542 |
| Credit loss provision to net charge-offs | 64.8936% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.0745% | 4,536 |
| Efficiency ratio | 98.4305% | 811 |
| Assets per employee ($millions) | 5.7382% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4537% | 7,311 |
| Loan loss allowance to noncurrent loans | 43.4590% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 1.3898% | 4,206 |
| Noncurrent loans to loans | 1.0441% | 4,968 |
| Net loans and leases to total assets | 62.4474% | 3,767 |
| Net loans and leases to deposits | 75.7749% | 3,456 |
| Net loans and leases to core deposits | 76.6557% | 4,211 |
| Total domestic deposits to total assets | 82.4116% | 5,139 |
| Equity capital to assets | 13.9534% | 1,017 |
| Core capital (leverage) ratio | 13.9534% | 860 |
| Tier 1 risk-based capital ratio | 28.7777% | 591 |
| Total risk-based capital ratio | 29.3647% | 615 |
| Memoranda: | ||
| Average total assets | $69,728,000 | 5,870 |
| Average earning assets | $66,669,500 | 5,782 |
| Average equity | $9,623,500 | 5,143 |
| Average total loans | $43,939,500 | 5,657 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 6,525 |
| Cost of funding earning assets | 1.7833% | 1,237 |
| Net interest margin | 2.6630% | 7,160 |
| Noninterest income to average assets | -0.0227% | 7,323 |
| Noninterest expense to average assets | 2.3888% | 6,114 |
| Loan and lease loss provision to assets | 0.3851% | 3,806 |
| Net operating income to assets | -0.1179% | 6,015 |
| Return on assets (ROA) | -0.1179% | 6,067 |
| Pretax return on assets | -0.2586% | 6,131 |
| Return on Equity (ROE) | -0.8589% | 6,053 |
| Retained earnings to average equity (ytd only) | -0.8589% | 5,779 |
| Net charge-offs to loans | 0.3569% | 4,233 |
| Credit loss provision to net charge-offs | 160.3550% | 2,176 |
| Earnings coverage of net charge-offs (x) | 0.5266% | 5,590 |
| Efficiency ratio | 94.9718% | 1,013 |
| Assets per employee ($millions) | 5.8832% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5125% | 7,347 |
| Loan loss allowance to noncurrent loans | 85.4478% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 5,659 |
| Noncurrent loans to loans | 0.5998% | 5,840 |
| Net loans and leases to total assets | 62.9678% | 4,079 |
| Net loans and leases to deposits | 76.0925% | 3,823 |
| Net loans and leases to core deposits | 77.2911% | 4,552 |
| Total domestic deposits to total assets | 82.7516% | 4,908 |
| Equity capital to assets | 13.6534% | 1,140 |
| Core capital (leverage) ratio | 13.6534% | 942 |
| Tier 1 risk-based capital ratio | 28.2495% | 587 |
| Total risk-based capital ratio | 28.9206% | 622 |
| Memoranda: | ||
| Average total assets | $70,369,000 | 5,875 |
| Average earning assets | $67,068,400 | 5,767 |
| Average equity | $9,663,000 | 5,222 |
| Average total loans | $47,354,400 | 5,586 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5500% | 6,468 |
| Cost of funding earning assets | 1.8216% | 1,337 |
| Net interest margin | 2.7284% | 7,203 |
| Noninterest income to average assets | -0.0967% | 7,536 |
| Noninterest expense to average assets | 2.3684% | 6,121 |
| Loan and lease loss provision to assets | 0.5139% | 2,888 |
| Net operating income to assets | -0.2067% | 6,331 |
| Return on assets (ROA) | -0.2067% | 6,389 |
| Pretax return on assets | -0.3831% | 6,482 |
| Return on Equity (ROE) | -1.5031% | 6,341 |
| Retained earnings to average equity (ytd only) | -1.5031% | 6,099 |
| Net charge-offs to loans | 0.3832% | 3,760 |
| Credit loss provision to net charge-offs | 196.3768% | 1,818 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,521 |
| Efficiency ratio | 94.7648% | 958 |
| Assets per employee ($millions) | 5.8638% | 1,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5790% | 7,376 |
| Loan loss allowance to noncurrent loans | 172.8477% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 5,649 |
| Noncurrent loans to loans | 0.3350% | 6,522 |
| Net loans and leases to total assets | 63.6870% | 4,187 |
| Net loans and leases to deposits | 77.6713% | 3,888 |
| Net loans and leases to core deposits | 78.5618% | 4,729 |
| Total domestic deposits to total assets | 81.9956% | 4,992 |
| Equity capital to assets | 13.6614% | 1,290 |
| Core capital (leverage) ratio | 13.6614% | 1,006 |
| Tier 1 risk-based capital ratio | 28.3879% | 604 |
| Total risk-based capital ratio | 29.1587% | 615 |
| Memoranda: | ||
| Average total assets | $70,311,750 | 5,938 |
| Average earning assets | $66,900,000 | 5,833 |
| Average equity | $9,669,000 | 5,297 |
| Average total loans | $48,022,250 | 5,645 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 6,283 |
| Cost of funding earning assets | 1.8561% | 1,400 |
| Net interest margin | 2.8021% | 7,141 |
| Noninterest income to average assets | -0.1622% | 7,667 |
| Noninterest expense to average assets | 2.4156% | 6,022 |
| Loan and lease loss provision to assets | 0.7711% | 1,867 |
| Net operating income to assets | -0.4211% | 6,589 |
| Return on assets (ROA) | -0.4211% | 6,626 |
| Pretax return on assets | -0.6857% | 6,715 |
| Return on Equity (ROE) | -3.0554% | 6,521 |
| Retained earnings to average equity (ytd only) | -3.0554% | 6,306 |
| Net charge-offs to loans | 0.5183% | 2,978 |
| Credit loss provision to net charge-offs | 213.3858% | 1,828 |
| Earnings coverage of net charge-offs (x) | 0.2362% | 5,494 |
| Efficiency ratio | 96.5870% | 940 |
| Assets per employee ($millions) | 5.8675% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5644% | 7,452 |
| Loan loss allowance to noncurrent loans | 225.8333% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 5,417 |
| Noncurrent loans to loans | 0.2499% | 6,732 |
| Net loans and leases to total assets | 67.8071% | 3,421 |
| Net loans and leases to deposits | 82.6132% | 3,159 |
| Net loans and leases to core deposits | 85.7669% | 3,868 |
| Total domestic deposits to total assets | 82.0778% | 4,952 |
| Equity capital to assets | 13.5975% | 1,306 |
| Core capital (leverage) ratio | 13.5975% | 1,026 |
| Tier 1 risk-based capital ratio | 27.4193% | 668 |
| Total risk-based capital ratio | 28.1954% | 689 |
| Memoranda: | ||
| Average total assets | $70,293,670 | 5,971 |
| Average earning assets | $66,806,330 | 5,872 |
| Average equity | $9,687,670 | 5,288 |
| Average total loans | $49,004,670 | 5,641 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 6,105 |
| Cost of funding earning assets | 1.9306% | 1,320 |
| Net interest margin | 2.8120% | 7,164 |
| Noninterest income to average assets | 0.0228% | 7,589 |
| Noninterest expense to average assets | 2.4318% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2620% | 5,443 |
| Return on assets (ROA) | 0.2620% | 5,569 |
| Pretax return on assets | 0.2620% | 5,709 |
| Return on Equity (ROE) | 1.8882% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.8882% | 4,990 |
| Net charge-offs to loans | -0.5495% | 7,807 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2748% | 1,411 |
| Assets per employee ($millions) | 5.9298% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 7,524 |
| Loan loss allowance to noncurrent loans | 221.0938% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 1.2212% | 4,731 |
| Noncurrent loans to loans | 0.2629% | 6,797 |
| Net loans and leases to total assets | 68.0134% | 3,387 |
| Net loans and leases to deposits | 82.9227% | 3,116 |
| Net loans and leases to core deposits | 83.8595% | 4,218 |
| Total domestic deposits to total assets | 82.0203% | 5,066 |
| Equity capital to assets | 13.7272% | 1,235 |
| Core capital (leverage) ratio | 13.7272% | 1,021 |
| Tier 1 risk-based capital ratio | 27.5753% | 667 |
| Total risk-based capital ratio | 28.3742% | 685 |
| Memoranda: | ||
| Average total assets | $70,235,500 | 6,039 |
| Average earning assets | $66,714,000 | 5,942 |
| Average equity | $9,744,500 | 5,314 |
| Average total loans | $49,500,000 | 5,695 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 6,210 |
| Cost of funding earning assets | 2.5967% | 788 |
| Net interest margin | 2.4694% | 7,454 |
| Noninterest income to average assets | 0.0609% | 7,452 |
| Noninterest expense to average assets | 2.4495% | 6,306 |
| Loan and lease loss provision to assets | 0.5819% | 3,468 |
| Net operating income to assets | -0.4320% | 6,112 |
| Return on assets (ROA) | -0.4320% | 6,109 |
| Pretax return on assets | -0.6102% | 6,107 |
| Return on Equity (ROE) | -2.9608% | 5,980 |
| Retained earnings to average equity (ytd only) | -2.9608% | 5,693 |
| Net charge-offs to loans | 0.1591% | 5,684 |
| Credit loss provision to net charge-offs | 472.2892% | 653 |
| Earnings coverage of net charge-offs (x) | -0.2289% | 6,488 |
| Efficiency ratio | 101.1649% | 1,050 |
| Assets per employee ($millions) | 5.7761% | 1,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6101% | 7,542 |
| Loan loss allowance to noncurrent loans | 65.7388% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 4,551 |
| Noncurrent loans to loans | 0.9281% | 5,460 |
| Net loans and leases to total assets | 72.1553% | 2,715 |
| Net loans and leases to deposits | 88.9199% | 2,403 |
| Net loans and leases to core deposits | 93.4159% | 4,736 |
| Total domestic deposits to total assets | 81.1464% | 5,295 |
| Equity capital to assets | 14.0248% | 1,162 |
| Core capital (leverage) ratio | 14.0248% | 973 |
| Tier 1 risk-based capital ratio | 27.4573% | 671 |
| Total risk-based capital ratio | 28.3245% | 682 |
| Memoranda: | ||
| Average total assets | $67,360,200 | 6,097 |
| Average earning assets | $64,389,000 | 5,982 |
| Average equity | $9,828,400 | 5,345 |
| Average total loans | $52,163,600 | 5,582 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1722% | 5,999 |
| Cost of funding earning assets | 2.7144% | 764 |
| Net interest margin | 2.4578% | 7,504 |
| Noninterest income to average assets | 0.0498% | 7,652 |
| Noninterest expense to average assets | 2.4683% | 6,185 |
| Loan and lease loss provision to assets | 0.7816% | 2,420 |
| Net operating income to assets | -0.6121% | 6,529 |
| Return on assets (ROA) | -0.6121% | 6,537 |
| Pretax return on assets | -0.8514% | 6,572 |
| Return on Equity (ROE) | -4.1533% | 6,356 |
| Retained earnings to average equity (ytd only) | -4.1533% | 6,130 |
| Net charge-offs to loans | 0.2103% | 4,722 |
| Credit loss provision to net charge-offs | 472.2892% | 829 |
| Earnings coverage of net charge-offs (x) | -0.4217% | 6,441 |
| Efficiency ratio | 102.9094% | 950 |
| Assets per employee ($millions) | 5.7175% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6344% | 7,515 |
| Loan loss allowance to noncurrent loans | 78.1250% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1077% | 4,861 |
| Noncurrent loans to loans | 0.8121% | 5,678 |
| Net loans and leases to total assets | 74.1918% | 2,470 |
| Net loans and leases to deposits | 91.6956% | 2,290 |
| Net loans and leases to core deposits | 97.6744% | 4,644 |
| Total domestic deposits to total assets | 80.9109% | 5,116 |
| Equity capital to assets | 14.1466% | 1,258 |
| Core capital (leverage) ratio | 14.1466% | 1,056 |
| Tier 1 risk-based capital ratio | 27.5020% | 709 |
| Total risk-based capital ratio | 28.4229% | 716 |
| Memoranda: | ||
| Average total assets | $66,872,000 | 6,160 |
| Average earning assets | $63,904,750 | 6,039 |
| Average equity | $9,855,250 | 5,377 |
| Average total loans | $52,624,500 | 5,608 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 5,832 |
| Cost of funding earning assets | 2.7806% | 830 |
| Net interest margin | 2.4776% | 7,506 |
| Noninterest income to average assets | 0.0030% | 7,931 |
| Noninterest expense to average assets | 2.5342% | 6,004 |
| Loan and lease loss provision to assets | 0.8960% | 1,886 |
| Net operating income to assets | -0.7603% | 6,800 |
| Return on assets (ROA) | -0.7603% | 6,807 |
| Pretax return on assets | -1.0589% | 6,859 |
| Return on Equity (ROE) | -5.0883% | 6,617 |
| Retained earnings to average equity (ytd only) | -5.0883% | 6,312 |
| Net charge-offs to loans | 0.2562% | 3,916 |
| Credit loss provision to net charge-offs | 436.7647% | 1,065 |
| Earnings coverage of net charge-offs (x) | -0.7941% | 6,174 |
| Efficiency ratio | 106.8702% | 945 |
| Assets per employee ($millions) | 5.7773% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4830% | 7,808 |
| Loan loss allowance to noncurrent loans | 45.1264% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1323% | 4,689 |
| Noncurrent loans to loans | 1.0704% | 5,070 |
| Net loans and leases to total assets | 74.2961% | 2,626 |
| Net loans and leases to deposits | 97.1391% | 1,646 |
| Net loans and leases to core deposits | 104.3285% | 4,028 |
| Total domestic deposits to total assets | 76.4842% | 6,440 |
| Equity capital to assets | 14.0794% | 1,288 |
| Core capital (leverage) ratio | 14.0794% | 1,120 |
| Tier 1 risk-based capital ratio | 27.3456% | 756 |
| Total risk-based capital ratio | 28.0459% | 771 |
| Memoranda: | ||
| Average total assets | $66,292,670 | 6,215 |
| Average earning assets | $63,368,000 | 6,100 |
| Average equity | $9,905,000 | 5,386 |
| Average total loans | $53,090,000 | 5,633 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 5,131 |
| Cost of funding earning assets | 2.8190% | 933 |
| Net interest margin | 2.6384% | 7,316 |
| Noninterest income to average assets | 0.0494% | 7,835 |
| Noninterest expense to average assets | 2.5257% | 5,744 |
| Loan and lease loss provision to assets | 0.4878% | 2,527 |
| Net operating income to assets | -0.4693% | 6,849 |
| Return on assets (ROA) | -0.4693% | 6,910 |
| Pretax return on assets | -0.4384% | 6,774 |
| Return on Equity (ROE) | -3.0470% | 6,787 |
| Retained earnings to average equity (ytd only) | -3.0470% | 6,290 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0815% | 1,213 |
| Assets per employee ($millions) | 5.5499% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5674% | 7,724 |
| Loan loss allowance to noncurrent loans | 53.4759% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 1.5090% | 3,670 |
| Noncurrent loans to loans | 1.0611% | 4,859 |
| Net loans and leases to total assets | 78.9366% | 1,597 |
| Net loans and leases to deposits | 104.8672% | 952 |
| Net loans and leases to core deposits | 112.4032% | 3,178 |
| Total domestic deposits to total assets | 75.2729% | 6,654 |
| Equity capital to assets | 14.9206% | 1,125 |
| Core capital (leverage) ratio | 14.9206% | 989 |
| Tier 1 risk-based capital ratio | 28.0405% | 750 |
| Total risk-based capital ratio | 28.8871% | 759 |
| Memoranda: | ||
| Average total assets | $64,775,000 | 6,300 |
| Average earning assets | $62,007,500 | 6,174 |
| Average equity | $9,977,000 | 5,392 |
| Average total loans | $53,756,000 | 5,644 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9269% | 5,913 |
| Cost of funding earning assets | 3.2786% | 980 |
| Net interest margin | 2.6483% | 7,583 |
| Noninterest income to average assets | 0.1064% | 7,600 |
| Noninterest expense to average assets | 2.3907% | 6,427 |
| Loan and lease loss provision to assets | 0.2302% | 4,589 |
| Net operating income to assets | 0.0000% | 6,365 |
| Return on assets (ROA) | 0.0000% | 6,229 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.0000% | 6,230 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2174% | 1,431 |
| Assets per employee ($millions) | 5.2459% | 1,689 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4392% | 7,935 |
| Loan loss allowance to noncurrent loans | 32.3450% | 6,565 |
| Noncurrent assets plus other real estate owned to assets | 1.8348% | 2,691 |
| Noncurrent loans to loans | 1.3580% | 3,805 |
| Net loans and leases to total assets | 86.4180% | 548 |
| Net loans and leases to deposits | 118.2939% | 435 |
| Net loans and leases to core deposits | 127.8610% | 2,008 |
| Total domestic deposits to total assets | 73.0536% | 6,819 |
| Equity capital to assets | 15.9124% | 956 |
| Core capital (leverage) ratio | 15.9124% | 844 |
| Tier 1 risk-based capital ratio | 27.0474% | 824 |
| Total risk-based capital ratio | 27.6954% | 845 |
| Memoranda: | ||
| Average total assets | $62,993,200 | 6,281 |
| Average earning assets | $59,812,200 | 6,179 |
| Average equity | $9,988,600 | 5,415 |
| Average total loans | $55,419,600 | 5,477 |