Home > Brainerd Savings and Loan Association, A Federal Association > Performance and Condition Ratios
Brainerd Savings and Loan Association, A Federal Association, Performance and Condition Ratios
| 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 | 3.2704% | 3,505 |
| Cost of funding earning assets | 1.3391% | 21 |
| Net interest margin | 1.9313% | 4,741 |
| Noninterest income to average assets | 0.9645% | 1,131 |
| Noninterest expense to average assets | 7.7773% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -5.0727% | 4,939 |
| Return on assets (ROA) | -13.2275% | 4,950 |
| Pretax return on assets | -13.2275% | 4,950 |
| Return on Equity (ROE) | -185.4430% | 4,950 |
| Retained earnings to average equity (ytd only) | -185.4430% | 4,950 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 287.5569% | 12 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 4,960 |
| Equity capital to assets | 97.9985% | 4 |
| Core capital (leverage) ratio | 2.5329% | 4,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 600.9091% | 2 |
| Memoranda: | ||
| Average total assets | $48,731,667 | 4,665 |
| Average earning assets | $43,908,667 | 4,664 |
| Average equity | $3,476,000 | 4,849 |
| Average total loans | $28,203,000 | 4,503 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6783% | 4,503 |
| Cost of funding earning assets | 0.9110% | 210 |
| Net interest margin | 1.7673% | 4,820 |
| Noninterest income to average assets | 1.0494% | 1,058 |
| Noninterest expense to average assets | 2.6345% | 1,783 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.0093% | 4,777 |
| Return on assets (ROA) | 0.0387% | 4,766 |
| Pretax return on assets | 0.0828% | 4,739 |
| Return on Equity (ROE) | 0.6150% | 4,742 |
| Retained earnings to average equity (ytd only) | 0.6150% | 4,283 |
| Net charge-offs to loans | -0.0095% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1684% | 200 |
| Assets per employee ($millions) | 6.0380% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9335% | 4,068 |
| Loan loss allowance to noncurrent loans | 544.2857% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.9482% | 887 |
| Noncurrent loans to loans | 0.1715% | 3,492 |
| Net loans and leases to total assets | 55.8063% | 3,064 |
| Net loans and leases to deposits | 68.7553% | 2,621 |
| Net loans and leases to core deposits | 77.8749% | 2,198 |
| Total domestic deposits to total assets | 81.1665% | 4,042 |
| Equity capital to assets | 6.2949% | 4,917 |
| Core capital (leverage) ratio | 6.4499% | 4,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5812% | 2,795 |
| Memoranda: | ||
| Average total assets | $72,423,000 | 4,404 |
| Average earning assets | $65,863,000 | 4,414 |
| Average equity | $4,553,000 | 4,787 |
| Average total loans | $42,304,500 | 4,251 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 3,518 |
| Cost of funding earning assets | 1.1894% | 291 |
| Net interest margin | 2.5334% | 4,557 |
| Noninterest income to average assets | 1.0805% | 915 |
| Noninterest expense to average assets | 3.1741% | 1,102 |
| Loan and lease loss provision to assets | 0.0029% | 4,300 |
| Net operating income to assets | -0.4990% | 4,879 |
| Return on assets (ROA) | -0.4491% | 4,882 |
| Pretax return on assets | 0.2468% | 4,609 |
| Return on Equity (ROE) | -6.5446% | 4,914 |
| Retained earnings to average equity (ytd only) | -6.5446% | 4,865 |
| Net charge-offs to loans | 0.0574% | 1,958 |
| Credit loss provision to net charge-offs | 6.8966% | 3,257 |
| Earnings coverage of net charge-offs (x) | 4.4828% | 2,977 |
| Efficiency ratio | 94.4492% | 261 |
| Assets per employee ($millions) | 6.0325% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8677% | 4,277 |
| Loan loss allowance to noncurrent loans | 413.0435% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9021% | 1,096 |
| Noncurrent loans to loans | 0.2101% | 3,446 |
| Net loans and leases to total assets | 59.9710% | 2,867 |
| Net loans and leases to deposits | 73.9020% | 2,493 |
| Net loans and leases to core deposits | 84.1076% | 2,026 |
| Total domestic deposits to total assets | 81.1493% | 3,839 |
| Equity capital to assets | 6.2785% | 4,969 |
| Core capital (leverage) ratio | 6.4138% | 4,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1568% | 2,879 |
| Memoranda: | ||
| Average total assets | $69,690,000 | 4,392 |
| Average earning assets | $62,722,400 | 4,406 |
| Average equity | $4,782,600 | 4,776 |
| Average total loans | $50,518,800 | 4,103 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9298% | 3,168 |
| Cost of funding earning assets | 1.2211% | 345 |
| Net interest margin | 2.7087% | 4,456 |
| Noninterest income to average assets | 1.1553% | 786 |
| Noninterest expense to average assets | 3.4021% | 799 |
| Loan and lease loss provision to assets | 0.0043% | 4,215 |
| Net operating income to assets | 0.1322% | 4,669 |
| Return on assets (ROA) | 0.2009% | 4,637 |
| Pretax return on assets | 0.2705% | 4,579 |
| Return on Equity (ROE) | 2.8638% | 4,413 |
| Retained earnings to average equity (ytd only) | 2.8638% | 3,572 |
| Net charge-offs to loans | 0.0307% | 2,219 |
| Credit loss provision to net charge-offs | 16.6667% | 2,983 |
| Earnings coverage of net charge-offs (x) | 8.0833% | 2,526 |
| Efficiency ratio | 94.7793% | 245 |
| Assets per employee ($millions) | 5.4075% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 4,333 |
| Loan loss allowance to noncurrent loans | 89.4144% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.4296% | 624 |
| Noncurrent loans to loans | 0.9095% | 1,640 |
| Net loans and leases to total assets | 68.8825% | 2,123 |
| Net loans and leases to deposits | 86.0670% | 1,699 |
| Net loans and leases to core deposits | 99.0509% | 1,238 |
| Total domestic deposits to total assets | 80.0336% | 3,857 |
| Equity capital to assets | 7.0116% | 4,948 |
| Core capital (leverage) ratio | 7.1043% | 4,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2813% | 2,843 |
| Memoranda: | ||
| Average total assets | $69,015,000 | 4,411 |
| Average earning assets | $62,021,000 | 4,428 |
| Average equity | $4,842,000 | 4,798 |
| Average total loans | $52,200,250 | 4,087 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2164% | 2,703 |
| Cost of funding earning assets | 1.2441% | 439 |
| Net interest margin | 2.9723% | 4,183 |
| Noninterest income to average assets | 0.9419% | 1,085 |
| Noninterest expense to average assets | 3.4554% | 788 |
| Loan and lease loss provision to assets | 0.0058% | 4,104 |
| Net operating income to assets | 0.1031% | 4,683 |
| Return on assets (ROA) | 0.1837% | 4,635 |
| Pretax return on assets | 0.2508% | 4,585 |
| Return on Equity (ROE) | 2.6179% | 4,421 |
| Retained earnings to average equity (ytd only) | 2.6179% | 3,541 |
| Net charge-offs to loans | 0.0375% | 1,990 |
| Credit loss provision to net charge-offs | 20.0000% | 2,729 |
| Earnings coverage of net charge-offs (x) | 5.3000% | 2,522 |
| Efficiency ratio | 95.7189% | 249 |
| Assets per employee ($millions) | 4.4099% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7780% | 4,394 |
| Loan loss allowance to noncurrent loans | 188.2075% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0445% | 1,128 |
| Noncurrent loans to loans | 0.4134% | 2,931 |
| Net loans and leases to total assets | 72.1212% | 1,684 |
| Net loans and leases to deposits | 89.7844% | 1,374 |
| Net loans and leases to core deposits | 103.3847% | 1,042 |
| Total domestic deposits to total assets | 80.3271% | 3,770 |
| Equity capital to assets | 6.8510% | 4,991 |
| Core capital (leverage) ratio | 7.1074% | 4,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1296% | 2,933 |
| Memoranda: | ||
| Average total assets | $68,587,333 | 4,422 |
| Average earning assets | $61,568,667 | 4,445 |
| Average equity | $4,813,000 | 4,826 |
| Average total loans | $53,327,000 | 4,073 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 1,737 |
| Cost of funding earning assets | 1.2638% | 629 |
| Net interest margin | 3.4275% | 3,221 |
| Noninterest income to average assets | 0.3964% | 3,129 |
| Noninterest expense to average assets | 3.3668% | 1,116 |
| Loan and lease loss provision to assets | 0.0118% | 3,627 |
| Net operating income to assets | 0.0376% | 4,723 |
| Return on assets (ROA) | 0.2012% | 4,542 |
| Pretax return on assets | 0.2899% | 4,471 |
| Return on Equity (ROE) | 2.8319% | 4,256 |
| Retained earnings to average equity (ytd only) | 2.8319% | 3,150 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2650% | 290 |
| Assets per employee ($millions) | 4.2452% | 3,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 4,541 |
| Loan loss allowance to noncurrent loans | 166.9388% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 1.1336% | 1,133 |
| Noncurrent loans to loans | 0.4422% | 2,932 |
| Net loans and leases to total assets | 80.9667% | 568 |
| Net loans and leases to deposits | 102.7521% | 425 |
| Net loans and leases to core deposits | 121.3910% | 431 |
| Total domestic deposits to total assets | 78.7981% | 4,088 |
| Equity capital to assets | 7.0256% | 5,065 |
| Core capital (leverage) ratio | 7.3109% | 5,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6547% | 2,862 |
| Memoranda: | ||
| Average total assets | $67,601,500 | 4,445 |
| Average earning assets | $60,452,500 | 4,471 |
| Average equity | $4,802,500 | 4,863 |
| Average total loans | $54,347,000 | 4,065 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5018% | 2,934 |
| Cost of funding earning assets | 1.2203% | 978 |
| Net interest margin | 3.2814% | 4,021 |
| Noninterest income to average assets | 0.3029% | 3,875 |
| Noninterest expense to average assets | 3.8674% | 616 |
| Loan and lease loss provision to assets | 0.0089% | 3,831 |
| Net operating income to assets | -0.4417% | 5,044 |
| Return on assets (ROA) | -0.4112% | 5,051 |
| Pretax return on assets | -0.6087% | 5,060 |
| Return on Equity (ROE) | -5.6468% | 5,083 |
| Retained earnings to average equity (ytd only) | -5.6468% | 4,997 |
| Net charge-offs to loans | -0.0079% | 4,411 |
| Credit loss provision to net charge-offs | -150.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7701% | 78 |
| Assets per employee ($millions) | 3.7378% | 4,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7637% | 4,411 |
| Loan loss allowance to noncurrent loans | 55.6011% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.8683% | 447 |
| Noncurrent loans to loans | 1.3736% | 1,081 |
| Net loans and leases to total assets | 78.6014% | 988 |
| Net loans and leases to deposits | 100.6107% | 561 |
| Net loans and leases to core deposits | 118.3171% | 527 |
| Total domestic deposits to total assets | 78.1243% | 4,340 |
| Equity capital to assets | 7.1834% | 5,125 |
| Core capital (leverage) ratio | 7.3310% | 5,113 |
| Tier 1 risk-based capital ratio | 11.6461% | 4,552 |
| Total risk-based capital ratio | 12.6125% | 4,583 |
| Memoranda: | ||
| Average total assets | $67,357,400 | 4,476 |
| Average earning assets | $60,065,000 | 4,508 |
| Average equity | $4,905,400 | 4,892 |
| Average total loans | $50,896,600 | 4,163 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5978% | 2,733 |
| Cost of funding earning assets | 1.2061% | 1,025 |
| Net interest margin | 3.3917% | 3,882 |
| Noninterest income to average assets | 0.3977% | 3,331 |
| Noninterest expense to average assets | 3.9103% | 588 |
| Loan and lease loss provision to assets | 0.0119% | 3,656 |
| Net operating income to assets | -0.3499% | 5,122 |
| Return on assets (ROA) | -0.3186% | 5,126 |
| Pretax return on assets | -0.4631% | 5,135 |
| Return on Equity (ROE) | -4.3599% | 5,148 |
| Retained earnings to average equity (ytd only) | -4.3599% | 5,039 |
| Net charge-offs to loans | -0.0106% | 4,390 |
| Credit loss provision to net charge-offs | -150.0000% | 4,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3519% | 91 |
| Assets per employee ($millions) | 3.9296% | 3,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7992% | 4,412 |
| Loan loss allowance to noncurrent loans | 55.2989% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.1122% | 394 |
| Noncurrent loans to loans | 1.4453% | 1,053 |
| Net loans and leases to total assets | 75.6209% | 1,543 |
| Net loans and leases to deposits | 97.2173% | 901 |
| Net loans and leases to core deposits | 112.2700% | 835 |
| Total domestic deposits to total assets | 77.7854% | 4,388 |
| Equity capital to assets | 7.3455% | 5,198 |
| Core capital (leverage) ratio | 7.4540% | 5,195 |
| Tier 1 risk-based capital ratio | 12.5293% | 4,123 |
| Total risk-based capital ratio | 13.5443% | 4,142 |
| Memoranda: | ||
| Average total assets | $67,376,750 | 4,531 |
| Average earning assets | $60,027,000 | 4,569 |
| Average equity | $4,923,500 | 4,957 |
| Average total loans | $50,298,250 | 4,221 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 2,634 |
| Cost of funding earning assets | 1.1908% | 1,020 |
| Net interest margin | 3.4226% | 3,824 |
| Noninterest income to average assets | 0.4174% | 3,152 |
| Noninterest expense to average assets | 4.0285% | 516 |
| Loan and lease loss provision to assets | 0.0178% | 3,437 |
| Net operating income to assets | -0.4104% | 5,181 |
| Return on assets (ROA) | -0.3730% | 5,181 |
| Pretax return on assets | -0.5358% | 5,194 |
| Return on Equity (ROE) | -5.1126% | 5,205 |
| Retained earnings to average equity (ytd only) | -5.1126% | 5,063 |
| Net charge-offs to loans | -0.0120% | 4,376 |
| Credit loss provision to net charge-offs | -200.0000% | 3,985 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3248% | 80 |
| Assets per employee ($millions) | 3.9467% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,324 |
| Loan loss allowance to noncurrent loans | 61.7960% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 2.0509% | 445 |
| Noncurrent loans to loans | 1.3499% | 1,153 |
| Net loans and leases to total assets | 71.9334% | 2,221 |
| Net loans and leases to deposits | 92.3747% | 1,445 |
| Net loans and leases to core deposits | 106.5691% | 1,210 |
| Total domestic deposits to total assets | 77.8713% | 4,421 |
| Equity capital to assets | 7.3315% | 5,249 |
| Core capital (leverage) ratio | 7.4774% | 5,234 |
| Tier 1 risk-based capital ratio | 12.4953% | 4,128 |
| Total risk-based capital ratio | 13.5027% | 4,133 |
| Memoranda: | ||
| Average total assets | $67,568,000 | 4,559 |
| Average earning assets | $60,129,670 | 4,603 |
| Average equity | $4,929,000 | 4,992 |
| Average total loans | $50,089,670 | 4,257 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6838% | 2,284 |
| Cost of funding earning assets | 1.1643% | 1,003 |
| Net interest margin | 3.5195% | 3,541 |
| Noninterest income to average assets | 0.4837% | 2,656 |
| Noninterest expense to average assets | 4.2298% | 384 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.4424% | 5,245 |
| Return on assets (ROA) | -0.4424% | 5,240 |
| Pretax return on assets | -0.6253% | 5,252 |
| Return on Equity (ROE) | -6.0803% | 5,270 |
| Retained earnings to average equity (ytd only) | -6.0803% | 4,977 |
| Net charge-offs to loans | -0.0236% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.3486% | 82 |
| Assets per employee ($millions) | 3.5793% | 4,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8011% | 4,518 |
| Loan loss allowance to noncurrent loans | 58.9971% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 3.1320% | 193 |
| Noncurrent loans to loans | 1.3578% | 1,194 |
| Net loans and leases to total assets | 72.8351% | 2,015 |
| Net loans and leases to deposits | 93.2509% | 1,250 |
| Net loans and leases to core deposits | 107.8704% | 1,060 |
| Total domestic deposits to total assets | 78.1067% | 4,497 |
| Equity capital to assets | 7.2831% | 5,286 |
| Core capital (leverage) ratio | 7.5856% | 5,275 |
| Tier 1 risk-based capital ratio | 11.9139% | 4,508 |
| Total risk-based capital ratio | 12.8507% | 4,570 |
| Memoranda: | ||
| Average total assets | $67,805,000 | 4,604 |
| Average earning assets | $60,122,000 | 4,647 |
| Average equity | $4,934,000 | 5,036 |
| Average total loans | $50,800,000 | 4,286 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3899% | 2,796 |
| Cost of funding earning assets | 0.9503% | 926 |
| Net interest margin | 3.4396% | 3,882 |
| Noninterest income to average assets | 0.3214% | 3,953 |
| Noninterest expense to average assets | 3.8346% | 657 |
| Loan and lease loss provision to assets | 0.0087% | 3,953 |
| Net operating income to assets | -0.3270% | 5,298 |
| Return on assets (ROA) | -0.2661% | 5,282 |
| Pretax return on assets | -0.3868% | 5,301 |
| Return on Equity (ROE) | -3.5698% | 5,299 |
| Retained earnings to average equity (ytd only) | -3.5698% | 5,202 |
| Net charge-offs to loans | 0.0532% | 2,394 |
| Credit loss provision to net charge-offs | 22.2222% | 3,390 |
| Earnings coverage of net charge-offs (x) | -11.5926% | 3,757 |
| Efficiency ratio | 113.4682% | 71 |
| Assets per employee ($millions) | 3.0729% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 4,630 |
| Loan loss allowance to noncurrent loans | 49.3781% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.5413% | 293 |
| Noncurrent loans to loans | 1.5561% | 959 |
| Net loans and leases to total assets | 75.8398% | 1,640 |
| Net loans and leases to deposits | 97.6330% | 928 |
| Net loans and leases to core deposits | 113.1089% | 828 |
| Total domestic deposits to total assets | 77.6785% | 4,537 |
| Equity capital to assets | 7.2704% | 5,308 |
| Core capital (leverage) ratio | 7.5881% | 5,310 |
| Tier 1 risk-based capital ratio | 11.9385% | 4,466 |
| Total risk-based capital ratio | 12.8568% | 4,553 |
| Memoranda: | ||
| Average total assets | $68,769,400 | 4,602 |
| Average earning assets | $61,140,200 | 4,646 |
| Average equity | $5,126,400 | 5,034 |
| Average total loans | $50,765,000 | 4,303 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 3,106 |
| Cost of funding earning assets | 0.9003% | 920 |
| Net interest margin | 3.3627% | 4,127 |
| Noninterest income to average assets | 0.3572% | 3,742 |
| Noninterest expense to average assets | 3.7010% | 758 |
| Loan and lease loss provision to assets | 0.0116% | 3,768 |
| Net operating income to assets | -0.2565% | 5,357 |
| Return on assets (ROA) | -0.1757% | 5,341 |
| Pretax return on assets | -0.2606% | 5,352 |
| Return on Equity (ROE) | -2.3426% | 5,360 |
| Retained earnings to average equity (ytd only) | -2.3426% | 5,219 |
| Net charge-offs to loans | 0.0739% | 1,789 |
| Credit loss provision to net charge-offs | 21.4286% | 3,011 |
| Earnings coverage of net charge-offs (x) | -6.5004% | 3,460 |
| Efficiency ratio | 110.4899% | 80 |
| Assets per employee ($millions) | 3.1198% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 4,722 |
| Loan loss allowance to noncurrent loans | 48.1752% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.3399% | 395 |
| Noncurrent loans to loans | 1.5871% | 1,002 |
| Net loans and leases to total assets | 74.8831% | 1,838 |
| Net loans and leases to deposits | 96.2364% | 1,129 |
| Net loans and leases to core deposits | 111.1770% | 959 |
| Total domestic deposits to total assets | 77.8116% | 4,505 |
| Equity capital to assets | 7.2747% | 5,352 |
| Core capital (leverage) ratio | 7.6501% | 5,376 |
| Tier 1 risk-based capital ratio | 12.1107% | 4,439 |
| Total risk-based capital ratio | 13.0235% | 4,513 |
| Memoranda: | ||
| Average total assets | $69,061,000 | 4,640 |
| Average earning assets | $61,456,500 | 4,686 |
| Average equity | $5,179,250 | 5,083 |
| Average total loans | $50,539,500 | 4,349 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 3,350 |
| Cost of funding earning assets | 0.8355% | 984 |
| Net interest margin | 3.2932% | 4,267 |
| Noninterest income to average assets | 0.4075% | 3,432 |
| Noninterest expense to average assets | 3.4709% | 1,036 |
| Loan and lease loss provision to assets | 0.0173% | 3,548 |
| Net operating income to assets | -0.1416% | 5,388 |
| Return on assets (ROA) | 0.0116% | 5,330 |
| Pretax return on assets | 0.0000% | 5,335 |
| Return on Equity (ROE) | 0.1526% | 5,327 |
| Retained earnings to average equity (ytd only) | 0.1526% | 4,928 |
| Net charge-offs to loans | 0.1117% | 1,256 |
| Credit loss provision to net charge-offs | 21.4286% | 2,681 |
| Earnings coverage of net charge-offs (x) | -1.6786% | 3,156 |
| Efficiency ratio | 104.0728% | 128 |
| Assets per employee ($millions) | 3.7069% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7571% | 4,811 |
| Loan loss allowance to noncurrent loans | 38.5214% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 2.9106% | 261 |
| Noncurrent loans to loans | 1.9653% | 770 |
| Net loans and leases to total assets | 73.7037% | 1,995 |
| Net loans and leases to deposits | 94.0468% | 1,354 |
| Net loans and leases to core deposits | 110.0182% | 999 |
| Total domestic deposits to total assets | 78.3692% | 4,527 |
| Equity capital to assets | 7.3205% | 5,418 |
| Core capital (leverage) ratio | 7.9587% | 5,360 |
| Tier 1 risk-based capital ratio | 11.8902% | 4,567 |
| Total risk-based capital ratio | 12.7671% | 4,676 |
| Memoranda: | ||
| Average total assets | $69,203,000 | 4,693 |
| Average earning assets | $61,521,000 | 4,738 |
| Average equity | $5,241,330 | 5,124 |
| Average total loans | $50,122,000 | 4,399 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1352% | 3,105 |
| Cost of funding earning assets | 0.8192% | 875 |
| Net interest margin | 3.3160% | 4,144 |
| Noninterest income to average assets | 0.4316% | 3,226 |
| Noninterest expense to average assets | 3.4583% | 1,068 |
| Loan and lease loss provision to assets | 0.0350% | 3,038 |
| Net operating income to assets | -0.0928% | 5,419 |
| Return on assets (ROA) | 0.1283% | 5,306 |
| Pretax return on assets | 0.1691% | 5,285 |
| Return on Equity (ROE) | 1.6654% | 5,226 |
| Retained earnings to average equity (ytd only) | 1.6654% | 4,445 |
| Net charge-offs to loans | 0.2284% | 657 |
| Credit loss provision to net charge-offs | 21.4286% | 2,118 |
| Earnings coverage of net charge-offs (x) | -0.4643% | 2,665 |
| Efficiency ratio | 102.2414% | 154 |
| Assets per employee ($millions) | 3.4030% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 4,724 |
| Loan loss allowance to noncurrent loans | 37.7502% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 3.1281% | 245 |
| Noncurrent loans to loans | 2.1792% | 694 |
| Net loans and leases to total assets | 70.1455% | 2,461 |
| Net loans and leases to deposits | 86.9093% | 2,060 |
| Net loans and leases to core deposits | 99.5911% | 1,719 |
| Total domestic deposits to total assets | 80.7111% | 4,274 |
| Equity capital to assets | 7.7344% | 5,353 |
| Core capital (leverage) ratio | 7.9711% | 5,400 |
| Tier 1 risk-based capital ratio | 12.8391% | 4,043 |
| Total risk-based capital ratio | 13.7831% | 4,123 |
| Memoranda: | ||
| Average total assets | $68,588,500 | 4,762 |
| Average earning assets | $61,036,500 | 4,804 |
| Average equity | $5,284,000 | 5,172 |
| Average total loans | $49,029,500 | 4,470 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0981% | 3,066 |
| Cost of funding earning assets | 0.8203% | 556 |
| Net interest margin | 3.2778% | 4,220 |
| Noninterest income to average assets | 0.5836% | 2,533 |
| Noninterest expense to average assets | 3.8145% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.4400% | 5,517 |
| Return on assets (ROA) | -0.3251% | 5,483 |
| Pretax return on assets | -0.2102% | 5,500 |
| Return on Equity (ROE) | -3.9448% | 5,521 |
| Retained earnings to average equity (ytd only) | -3.9448% | 5,397 |
| Net charge-offs to loans | 0.0194% | 3,461 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -23.8889% | 4,107 |
| Efficiency ratio | 109.3154% | 108 |
| Assets per employee ($millions) | 3.6377% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8373% | 4,708 |
| Loan loss allowance to noncurrent loans | 48.6047% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 2.3786% | 412 |
| Noncurrent loans to loans | 1.7227% | 938 |
| Net loans and leases to total assets | 71.6235% | 2,284 |
| Net loans and leases to deposits | 89.2688% | 1,862 |
| Net loans and leases to core deposits | 103.3422% | 1,460 |
| Total domestic deposits to total assets | 80.2335% | 4,294 |
| Equity capital to assets | 7.6739% | 5,495 |
| Core capital (leverage) ratio | 7.9035% | 5,478 |
| Tier 1 risk-based capital ratio | 12.8114% | 4,029 |
| Total risk-based capital ratio | 13.8097% | 4,068 |
| Memoranda: | ||
| Average total assets | $66,142,000 | 4,842 |
| Average earning assets | $58,637,600 | 4,890 |
| Average equity | $5,450,200 | 5,190 |
| Average total loans | $46,445,400 | 4,555 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0862% | 3,031 |
| Cost of funding earning assets | 0.8177% | 516 |
| Net interest margin | 3.2685% | 4,265 |
| Noninterest income to average assets | 0.6483% | 2,216 |
| Noninterest expense to average assets | 3.8960% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.2093% | 5,584 |
| Return on assets (ROA) | -0.1101% | 5,559 |
| Pretax return on assets | -0.1998% | 5,577 |
| Return on Equity (ROE) | -1.3123% | 5,568 |
| Retained earnings to average equity (ytd only) | -1.3123% | 5,377 |
| Net charge-offs to loans | 0.0029% | 3,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -174.4286% | 3,793 |
| Efficiency ratio | 110.0173% | 99 |
| Assets per employee ($millions) | 3.0700% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 4,777 |
| Loan loss allowance to noncurrent loans | 49.4200% | 4,551 |
| Noncurrent assets plus other real estate owned to assets | 2.4370% | 461 |
| Noncurrent loans to loans | 1.7094% | 1,057 |
| Net loans and leases to total assets | 74.0321% | 1,907 |
| Net loans and leases to deposits | 92.7285% | 1,453 |
| Net loans and leases to core deposits | 105.8916% | 1,282 |
| Total domestic deposits to total assets | 79.8374% | 4,351 |
| Equity capital to assets | 8.0869% | 5,493 |
| Core capital (leverage) ratio | 8.4365% | 5,286 |
| Tier 1 risk-based capital ratio | 13.6078% | 3,631 |
| Total risk-based capital ratio | 14.6563% | 3,682 |
| Memoranda: | ||
| Average total assets | $65,398,250 | 4,911 |
| Average earning assets | $57,884,750 | 4,965 |
| Average equity | $5,486,750 | 5,243 |
| Average total loans | $45,576,250 | 4,622 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0953% | 2,845 |
| Cost of funding earning assets | 0.8240% | 464 |
| Net interest margin | 3.2714% | 4,206 |
| Noninterest income to average assets | 0.7977% | 1,581 |
| Noninterest expense to average assets | 4.0103% | 520 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1788% | 5,614 |
| Return on assets (ROA) | -0.0680% | 5,582 |
| Pretax return on assets | -0.1422% | 5,593 |
| Return on Equity (ROE) | -0.8007% | 5,585 |
| Retained earnings to average equity (ytd only) | -0.8007% | 5,206 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5356% | 112 |
| Assets per employee ($millions) | 3.0724% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 4,158 |
| Loan loss allowance to noncurrent loans | 49.7669% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.5449% | 419 |
| Noncurrent loans to loans | 2.0059% | 839 |
| Net loans and leases to total assets | 65.6324% | 3,158 |
| Net loans and leases to deposits | 80.3590% | 2,869 |
| Net loans and leases to core deposits | 90.5894% | 2,469 |
| Total domestic deposits to total assets | 81.6739% | 3,983 |
| Equity capital to assets | 8.4780% | 5,320 |
| Core capital (leverage) ratio | 8.6452% | 5,094 |
| Tier 1 risk-based capital ratio | 14.3908% | 3,224 |
| Total risk-based capital ratio | 15.4968% | 3,208 |
| Memoranda: | ||
| Average total assets | $64,684,000 | 4,961 |
| Average earning assets | $57,284,670 | 5,013 |
| Average equity | $5,495,000 | 5,276 |
| Average total loans | $43,959,000 | 4,687 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,422 |
| Cost of funding earning assets | 0.8225% | 434 |
| Net interest margin | 3.3389% | 3,889 |
| Noninterest income to average assets | 0.9449% | 1,120 |
| Noninterest expense to average assets | 3.8415% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0407% | 5,580 |
| Return on assets (ROA) | 0.1359% | 5,480 |
| Pretax return on assets | 0.2038% | 5,432 |
| Return on Equity (ROE) | 1.5978% | 5,401 |
| Retained earnings to average equity (ytd only) | 1.5978% | 4,465 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4177% | 253 |
| Assets per employee ($millions) | 2.8173% | 5,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 4,499 |
| Loan loss allowance to noncurrent loans | 52.8395% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 2.4599% | 476 |
| Noncurrent loans to loans | 1.8155% | 1,029 |
| Net loans and leases to total assets | 68.1924% | 2,651 |
| Net loans and leases to deposits | 85.9438% | 2,039 |
| Net loans and leases to core deposits | 96.5858% | 1,776 |
| Total domestic deposits to total assets | 79.3454% | 4,760 |
| Equity capital to assets | 8.5125% | 5,232 |
| Core capital (leverage) ratio | 8.7749% | 4,980 |
| Tier 1 risk-based capital ratio | 14.5590% | 3,171 |
| Total risk-based capital ratio | 15.6713% | 3,170 |
| Memoranda: | ||
| Average total assets | $64,766,000 | 5,012 |
| Average earning assets | $57,385,000 | 5,062 |
| Average equity | $5,507,500 | 5,323 |
| Average total loans | $44,552,000 | 4,714 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 2,584 |
| Cost of funding earning assets | 0.9103% | 276 |
| Net interest margin | 3.2600% | 4,270 |
| Noninterest income to average assets | 0.7801% | 1,827 |
| Noninterest expense to average assets | 3.8043% | 772 |
| Loan and lease loss provision to assets | 0.0171% | 4,038 |
| Net operating income to assets | -0.1127% | 5,689 |
| Return on assets (ROA) | 0.1473% | 5,537 |
| Pretax return on assets | 0.2419% | 5,438 |
| Return on Equity (ROE) | 1.7208% | 5,453 |
| Retained earnings to average equity (ytd only) | 1.7208% | 4,551 |
| Net charge-offs to loans | 0.0269% | 3,494 |
| Credit loss provision to net charge-offs | 91.6667% | 2,767 |
| Earnings coverage of net charge-offs (x) | -7.9167% | 4,231 |
| Efficiency ratio | 104.0288% | 181 |
| Assets per employee ($millions) | 2.8145% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 4,527 |
| Loan loss allowance to noncurrent loans | 40.0187% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 2.7266% | 414 |
| Noncurrent loans to loans | 2.3984% | 666 |
| Net loans and leases to total assets | 68.0657% | 2,756 |
| Net loans and leases to deposits | 86.7325% | 2,085 |
| Net loans and leases to core deposits | 96.5445% | 1,878 |
| Total domestic deposits to total assets | 78.4777% | 4,896 |
| Equity capital to assets | 8.4949% | 5,274 |
| Core capital (leverage) ratio | 8.6769% | 5,098 |
| Tier 1 risk-based capital ratio | 14.3978% | 3,240 |
| Total risk-based capital ratio | 15.4995% | 3,245 |
| Memoranda: | ||
| Average total assets | $64,479,000 | 5,038 |
| Average earning assets | $56,901,800 | 5,108 |
| Average equity | $5,520,600 | 5,363 |
| Average total loans | $44,553,000 | 4,730 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 2,530 |
| Cost of funding earning assets | 0.9200% | 264 |
| Net interest margin | 3.2762% | 4,269 |
| Noninterest income to average assets | 0.4823% | 3,364 |
| Noninterest expense to average assets | 3.6595% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.1975% | 5,790 |
| Return on assets (ROA) | 0.1138% | 5,661 |
| Pretax return on assets | 0.1987% | 5,570 |
| Return on Equity (ROE) | 1.3270% | 5,597 |
| Retained earnings to average equity (ytd only) | 1.3270% | 4,983 |
| Net charge-offs to loans | -0.0120% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5328% | 132 |
| Assets per employee ($millions) | 2.8112% | 5,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 4,615 |
| Loan loss allowance to noncurrent loans | 51.8607% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 3.2231% | 337 |
| Noncurrent loans to loans | 1.8516% | 1,093 |
| Net loans and leases to total assets | 68.9118% | 2,654 |
| Net loans and leases to deposits | 87.8230% | 2,040 |
| Net loans and leases to core deposits | 97.7599% | 1,835 |
| Total domestic deposits to total assets | 78.4667% | 4,824 |
| Equity capital to assets | 8.6718% | 5,420 |
| Core capital (leverage) ratio | 8.7772% | 5,079 |
| Tier 1 risk-based capital ratio | 14.4115% | 3,325 |
| Total risk-based capital ratio | 15.5200% | 3,345 |
| Memoranda: | ||
| Average total assets | $64,415,500 | 5,088 |
| Average earning assets | $56,811,750 | 5,155 |
| Average equity | $5,526,000 | 5,416 |
| Average total loans | $44,569,250 | 4,771 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 2,459 |
| Cost of funding earning assets | 0.9399% | 234 |
| Net interest margin | 3.2773% | 4,300 |
| Noninterest income to average assets | 0.2238% | 5,146 |
| Noninterest expense to average assets | 3.6030% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.4124% | 5,903 |
| Return on assets (ROA) | 0.0342% | 5,773 |
| Pretax return on assets | 0.0404% | 5,766 |
| Return on Equity (ROE) | 0.4001% | 5,759 |
| Retained earnings to average equity (ytd only) | 0.4001% | 5,180 |
| Net charge-offs to loans | -0.0180% | 4,905 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5533% | 111 |
| Assets per employee ($millions) | 2.7590% | 5,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 4,614 |
| Loan loss allowance to noncurrent loans | 960.0000% | 597 |
| Noncurrent assets plus other real estate owned to assets | 2.1070% | 760 |
| Noncurrent loans to loans | 0.1020% | 5,038 |
| Net loans and leases to total assets | 68.8115% | 2,661 |
| Net loans and leases to deposits | 89.0432% | 1,860 |
| Net loans and leases to core deposits | 98.7985% | 1,743 |
| Total domestic deposits to total assets | 77.2787% | 5,122 |
| Equity capital to assets | 8.7793% | 5,419 |
| Core capital (leverage) ratio | 8.4416% | 5,409 |
| Tier 1 risk-based capital ratio | 14.2139% | 3,490 |
| Total risk-based capital ratio | 15.3279% | 3,477 |
| Memoranda: | ||
| Average total assets | $64,334,670 | 5,138 |
| Average earning assets | $56,815,670 | 5,207 |
| Average equity | $5,499,000 | 5,470 |
| Average total loans | $44,429,330 | 4,814 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 2,352 |
| Cost of funding earning assets | 0.9363% | 240 |
| Net interest margin | 3.2979% | 4,228 |
| Noninterest income to average assets | 0.0741% | 5,895 |
| Noninterest expense to average assets | 3.5632% | 1,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3589% | 5,935 |
| Return on assets (ROA) | -0.0309% | 5,829 |
| Pretax return on assets | -0.0618% | 5,845 |
| Return on Equity (ROE) | -0.3661% | 5,839 |
| Retained earnings to average equity (ytd only) | -0.3661% | 5,180 |
| Net charge-offs to loans | -0.0269% | 5,015 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2149% | 106 |
| Assets per employee ($millions) | 3.1203% | 5,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 4,797 |
| Loan loss allowance to noncurrent loans | 70.6557% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 2.0236% | 850 |
| Noncurrent loans to loans | 1.3615% | 1,747 |
| Net loans and leases to total assets | 67.7171% | 2,687 |
| Net loans and leases to deposits | 87.5673% | 1,875 |
| Net loans and leases to core deposits | 98.9188% | 1,570 |
| Total domestic deposits to total assets | 77.3315% | 5,244 |
| Equity capital to assets | 8.3874% | 5,647 |
| Core capital (leverage) ratio | 8.3510% | 5,515 |
| Tier 1 risk-based capital ratio | 13.4419% | 4,015 |
| Total risk-based capital ratio | 14.5098% | 4,043 |
| Memoranda: | ||
| Average total assets | $64,774,000 | 5,185 |
| Average earning assets | $57,249,000 | 5,233 |
| Average equity | $5,463,000 | 5,517 |
| Average total loans | $44,595,500 | 4,847 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2291% | 2,461 |
| Cost of funding earning assets | 0.9043% | 283 |
| Net interest margin | 3.3248% | 4,198 |
| Noninterest income to average assets | 0.7597% | 1,936 |
| Noninterest expense to average assets | 3.6511% | 1,041 |
| Loan and lease loss provision to assets | 0.0047% | 4,295 |
| Net operating income to assets | 0.0345% | 5,840 |
| Return on assets (ROA) | 0.0674% | 5,833 |
| Pretax return on assets | 0.0799% | 5,813 |
| Return on Equity (ROE) | 0.7853% | 5,805 |
| Retained earnings to average equity (ytd only) | 0.7853% | 5,207 |
| Net charge-offs to loans | -0.0046% | 4,959 |
| Credit loss provision to net charge-offs | -150.0000% | 5,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7712% | 312 |
| Assets per employee ($millions) | 3.2011% | 5,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 4,794 |
| Loan loss allowance to noncurrent loans | 50.4717% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.5773% | 586 |
| Noncurrent loans to loans | 1.9105% | 1,117 |
| Net loans and leases to total assets | 68.6634% | 2,594 |
| Net loans and leases to deposits | 88.0078% | 1,874 |
| Net loans and leases to core deposits | 98.5009% | 1,632 |
| Total domestic deposits to total assets | 78.0197% | 5,160 |
| Equity capital to assets | 8.4816% | 5,576 |
| Core capital (leverage) ratio | 8.5784% | 5,350 |
| Tier 1 risk-based capital ratio | 13.0273% | 4,290 |
| Total risk-based capital ratio | 14.0438% | 4,350 |
| Memoranda: | ||
| Average total assets | $63,843,400 | 5,228 |
| Average earning assets | $56,394,600 | 5,279 |
| Average equity | $5,475,800 | 5,542 |
| Average total loans | $43,275,200 | 4,881 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2557% | 2,385 |
| Cost of funding earning assets | 0.9008% | 290 |
| Net interest margin | 3.3549% | 4,125 |
| Noninterest income to average assets | 0.7921% | 1,829 |
| Noninterest expense to average assets | 3.6154% | 1,093 |
| Loan and lease loss provision to assets | 0.0063% | 4,137 |
| Net operating income to assets | 0.1262% | 5,813 |
| Return on assets (ROA) | 0.1651% | 5,801 |
| Pretax return on assets | 0.1776% | 5,817 |
| Return on Equity (ROE) | 1.9195% | 5,684 |
| Retained earnings to average equity (ytd only) | 1.9195% | 4,925 |
| Net charge-offs to loans | -0.0062% | 4,864 |
| Credit loss provision to net charge-offs | -150.0000% | 5,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2180% | 410 |
| Assets per employee ($millions) | 2.8839% | 5,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,831 |
| Loan loss allowance to noncurrent loans | 69.7068% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 2.2318% | 843 |
| Noncurrent loans to loans | 1.4084% | 1,803 |
| Net loans and leases to total assets | 68.0374% | 2,670 |
| Net loans and leases to deposits | 86.7016% | 2,065 |
| Net loans and leases to core deposits | 105.7911% | 1,115 |
| Total domestic deposits to total assets | 78.4730% | 5,092 |
| Equity capital to assets | 8.6846% | 5,586 |
| Core capital (leverage) ratio | 8.6501% | 5,409 |
| Tier 1 risk-based capital ratio | 13.3375% | 4,224 |
| Total risk-based capital ratio | 14.3717% | 4,284 |
| Memoranda: | ||
| Average total assets | $63,799,000 | 5,289 |
| Average earning assets | $56,393,750 | 5,352 |
| Average equity | $5,487,250 | 5,614 |
| Average total loans | $42,997,250 | 4,952 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2546% | 2,334 |
| Cost of funding earning assets | 0.9104% | 275 |
| Net interest margin | 3.3441% | 4,126 |
| Noninterest income to average assets | 0.6853% | 2,278 |
| Noninterest expense to average assets | 3.5922% | 1,144 |
| Loan and lease loss provision to assets | 0.0094% | 3,917 |
| Net operating income to assets | 0.1314% | 5,839 |
| Return on assets (ROA) | 0.1658% | 5,829 |
| Pretax return on assets | 0.0720% | 5,958 |
| Return on Equity (ROE) | 1.9344% | 5,694 |
| Retained earnings to average equity (ytd only) | 1.9344% | 4,729 |
| Net charge-offs to loans | -0.0140% | 5,035 |
| Credit loss provision to net charge-offs | -100.0000% | 4,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7102% | 357 |
| Assets per employee ($millions) | 3.0300% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 4,808 |
| Loan loss allowance to noncurrent loans | 57.4297% | 4,811 |
| Noncurrent assets plus other real estate owned to assets | 2.4768% | 770 |
| Noncurrent loans to loans | 1.7635% | 1,453 |
| Net loans and leases to total assets | 65.8956% | 2,967 |
| Net loans and leases to deposits | 83.7762% | 2,339 |
| Net loans and leases to core deposits | 94.2141% | 1,938 |
| Total domestic deposits to total assets | 78.6566% | 5,165 |
| Equity capital to assets | 8.5996% | 5,600 |
| Core capital (leverage) ratio | 8.5570% | 5,482 |
| Tier 1 risk-based capital ratio | 13.4049% | 4,273 |
| Total risk-based capital ratio | 14.4516% | 4,321 |
| Memoranda: | ||
| Average total assets | $63,916,670 | 5,349 |
| Average earning assets | $56,457,000 | 5,405 |
| Average equity | $5,479,670 | 5,670 |
| Average total loans | $42,798,000 | 4,997 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 1,876 |
| Cost of funding earning assets | 0.9119% | 270 |
| Net interest margin | 3.4567% | 3,603 |
| Noninterest income to average assets | 0.3809% | 4,159 |
| Noninterest expense to average assets | 3.5280% | 1,250 |
| Loan and lease loss provision to assets | 0.0187% | 3,471 |
| Net operating income to assets | 0.1683% | 5,747 |
| Return on assets (ROA) | 0.2123% | 5,747 |
| Pretax return on assets | -0.0437% | 6,081 |
| Return on Equity (ROE) | 2.4802% | 5,542 |
| Retained earnings to average equity (ytd only) | 2.4802% | 4,447 |
| Net charge-offs to loans | -0.0186% | 5,007 |
| Credit loss provision to net charge-offs | -150.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7273% | 296 |
| Assets per employee ($millions) | 3.0687% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 5,073 |
| Loan loss allowance to noncurrent loans | 31.6334% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 3.6126% | 449 |
| Noncurrent loans to loans | 3.1375% | 663 |
| Net loans and leases to total assets | 66.2549% | 2,733 |
| Net loans and leases to deposits | 84.8760% | 1,970 |
| Net loans and leases to core deposits | 96.4533% | 1,582 |
| Total domestic deposits to total assets | 78.0609% | 5,440 |
| Equity capital to assets | 8.5969% | 5,665 |
| Core capital (leverage) ratio | 8.5850% | 5,438 |
| Tier 1 risk-based capital ratio | 13.5357% | 4,308 |
| Total risk-based capital ratio | 14.5936% | 4,316 |
| Memoranda: | ||
| Average total assets | $64,059,500 | 5,394 |
| Average earning assets | $56,585,500 | 5,454 |
| Average equity | $5,483,500 | 5,720 |
| Average total loans | $43,017,500 | 5,022 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2365% | 2,826 |
| Cost of funding earning assets | 0.9405% | 309 |
| Net interest margin | 3.2961% | 4,579 |
| Noninterest income to average assets | 0.6483% | 2,557 |
| Noninterest expense to average assets | 3.7299% | 1,099 |
| Loan and lease loss provision to assets | 0.0904% | 2,659 |
| Net operating income to assets | -0.1309% | 6,175 |
| Return on assets (ROA) | 0.0365% | 6,071 |
| Pretax return on assets | -0.0048% | 6,099 |
| Return on Equity (ROE) | 0.4309% | 6,051 |
| Retained earnings to average equity (ytd only) | 0.4309% | 5,582 |
| Net charge-offs to loans | 0.2877% | 1,507 |
| Credit loss provision to net charge-offs | 45.6000% | 3,579 |
| Earnings coverage of net charge-offs (x) | -0.8880% | 4,789 |
| Efficiency ratio | 104.9509% | 278 |
| Assets per employee ($millions) | 2.8944% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 5,143 |
| Loan loss allowance to noncurrent loans | 34.0597% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 2.7482% | 793 |
| Noncurrent loans to loans | 2.8874% | 795 |
| Net loans and leases to total assets | 66.7258% | 2,763 |
| Net loans and leases to deposits | 85.8502% | 2,002 |
| Net loans and leases to core deposits | 111.1579% | 725 |
| Total domestic deposits to total assets | 77.7235% | 5,483 |
| Equity capital to assets | 8.5227% | 5,733 |
| Core capital (leverage) ratio | 8.5133% | 5,552 |
| Tier 1 risk-based capital ratio | 13.7697% | 4,254 |
| Total risk-based capital ratio | 14.8416% | 4,292 |
| Memoranda: | ||
| Average total assets | $63,084,800 | 5,473 |
| Average earning assets | $55,611,600 | 5,529 |
| Average equity | $5,338,200 | 5,781 |
| Average total loans | $43,442,400 | 5,054 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2273% | 2,899 |
| Cost of funding earning assets | 0.9349% | 331 |
| Net interest margin | 3.2925% | 4,636 |
| Noninterest income to average assets | 0.7965% | 1,905 |
| Noninterest expense to average assets | 3.9065% | 834 |
| Loan and lease loss provision to assets | 0.0932% | 2,496 |
| Net operating income to assets | -0.1509% | 6,246 |
| Return on assets (ROA) | 0.0402% | 6,124 |
| Pretax return on assets | -0.0021% | 6,147 |
| Return on Equity (ROE) | 0.4765% | 6,109 |
| Retained earnings to average equity (ytd only) | 0.4765% | 5,674 |
| Net charge-offs to loans | 0.3243% | 1,236 |
| Credit loss provision to net charge-offs | 41.5094% | 3,267 |
| Earnings coverage of net charge-offs (x) | -0.9245% | 4,525 |
| Efficiency ratio | 105.6128% | 275 |
| Assets per employee ($millions) | 3.0951% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 5,423 |
| Loan loss allowance to noncurrent loans | 33.5156% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 2.7063% | 927 |
| Noncurrent loans to loans | 2.8396% | 967 |
| Net loans and leases to total assets | 68.6924% | 2,433 |
| Net loans and leases to deposits | 90.1597% | 1,411 |
| Net loans and leases to core deposits | 116.6688% | 478 |
| Total domestic deposits to total assets | 76.1897% | 5,792 |
| Equity capital to assets | 8.2111% | 6,007 |
| Core capital (leverage) ratio | 8.3358% | 5,818 |
| Tier 1 risk-based capital ratio | 13.3016% | 4,671 |
| Total risk-based capital ratio | 14.3548% | 4,726 |
| Memoranda: | ||
| Average total assets | $62,936,750 | 5,536 |
| Average earning assets | $55,478,750 | 5,598 |
| Average equity | $5,316,000 | 5,840 |
| Average total loans | $43,575,250 | 5,110 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,772 |
| Cost of funding earning assets | 0.9222% | 382 |
| Net interest margin | 3.3267% | 4,479 |
| Noninterest income to average assets | 0.8514% | 1,653 |
| Noninterest expense to average assets | 4.0096% | 752 |
| Loan and lease loss provision to assets | 0.0803% | 2,692 |
| Net operating income to assets | -0.2988% | 6,372 |
| Return on assets (ROA) | 0.0835% | 6,100 |
| Pretax return on assets | 0.0643% | 6,129 |
| Return on Equity (ROE) | 0.9795% | 6,060 |
| Retained earnings to average equity (ytd only) | 0.9795% | 5,367 |
| Net charge-offs to loans | 0.4736% | 854 |
| Credit loss provision to net charge-offs | 24.5098% | 3,127 |
| Earnings coverage of net charge-offs (x) | -0.7255% | 4,191 |
| Efficiency ratio | 106.3032% | 289 |
| Assets per employee ($millions) | 2.7374% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9429% | 5,591 |
| Loan loss allowance to noncurrent loans | 24.2958% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 3.5070% | 664 |
| Noncurrent loans to loans | 3.8808% | 628 |
| Net loans and leases to total assets | 69.0835% | 2,227 |
| Net loans and leases to deposits | 91.7326% | 1,183 |
| Net loans and leases to core deposits | 110.5646% | 674 |
| Total domestic deposits to total assets | 75.3097% | 5,993 |
| Equity capital to assets | 8.5705% | 5,743 |
| Core capital (leverage) ratio | 8.6166% | 5,516 |
| Tier 1 risk-based capital ratio | 13.2521% | 4,755 |
| Total risk-based capital ratio | 14.2634% | 4,834 |
| Memoranda: | ||
| Average total assets | $62,250,000 | 5,608 |
| Average earning assets | $54,649,330 | 5,672 |
| Average equity | $5,309,000 | 5,887 |
| Average total loans | $43,074,670 | 5,161 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 2,627 |
| Cost of funding earning assets | 0.9386% | 365 |
| Net interest margin | 3.3332% | 4,407 |
| Noninterest income to average assets | 0.8143% | 1,692 |
| Noninterest expense to average assets | 4.0003% | 758 |
| Loan and lease loss provision to assets | 0.1034% | 2,199 |
| Net operating income to assets | -0.2655% | 6,384 |
| Return on assets (ROA) | 0.1357% | 5,992 |
| Pretax return on assets | 0.2520% | 5,818 |
| Return on Equity (ROE) | 1.5953% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.5953% | 4,973 |
| Net charge-offs to loans | 0.7877% | 442 |
| Credit loss provision to net charge-offs | 19.0476% | 2,516 |
| Earnings coverage of net charge-offs (x) | -0.5000% | 3,478 |
| Efficiency ratio | 107.2790% | 310 |
| Assets per employee ($millions) | 2.5822% | 6,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 5,537 |
| Loan loss allowance to noncurrent loans | 30.3226% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 3.4434% | 761 |
| Noncurrent loans to loans | 3.2845% | 930 |
| Net loans and leases to total assets | 67.8505% | 2,248 |
| Net loans and leases to deposits | 91.3136% | 1,005 |
| Net loans and leases to core deposits | 97.9455% | 1,242 |
| Total domestic deposits to total assets | 74.3049% | 6,217 |
| Equity capital to assets | 8.5666% | 5,582 |
| Core capital (leverage) ratio | 8.7441% | 5,330 |
| Tier 1 risk-based capital ratio | 13.3499% | 4,797 |
| Total risk-based capital ratio | 14.3920% | 4,857 |
| Memoranda: | ||
| Average total assets | $61,895,000 | 5,665 |
| Average earning assets | $54,121,500 | 5,733 |
| Average equity | $5,265,500 | 5,933 |
| Average total loans | $42,657,500 | 5,214 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1788% | 3,422 |
| Cost of funding earning assets | 1.0371% | 381 |
| Net interest margin | 3.1417% | 5,188 |
| Noninterest income to average assets | 1.3941% | 724 |
| Noninterest expense to average assets | 3.8512% | 1,054 |
| Loan and lease loss provision to assets | 0.2915% | 1,168 |
| Net operating income to assets | 0.0226% | 6,175 |
| Return on assets (ROA) | 0.1616% | 5,985 |
| Pretax return on assets | 0.2392% | 5,866 |
| Return on Equity (ROE) | 1.9041% | 5,869 |
| Retained earnings to average equity (ytd only) | 1.9041% | 4,875 |
| Net charge-offs to loans | 0.2942% | 2,218 |
| Credit loss provision to net charge-offs | 142.6357% | 1,637 |
| Earnings coverage of net charge-offs (x) | 1.5969% | 4,525 |
| Efficiency ratio | 92.1881% | 867 |
| Assets per employee ($millions) | 2.8099% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 4,931 |
| Loan loss allowance to noncurrent loans | 31.6774% | 5,901 |
| Noncurrent assets plus other real estate owned to assets | 3.8404% | 708 |
| Noncurrent loans to loans | 3.6179% | 843 |
| Net loans and leases to total assets | 68.5119% | 2,259 |
| Net loans and leases to deposits | 92.0656% | 1,042 |
| Net loans and leases to core deposits | 98.7502% | 1,255 |
| Total domestic deposits to total assets | 74.4164% | 6,248 |
| Equity capital to assets | 8.4475% | 5,638 |
| Core capital (leverage) ratio | 8.7322% | 5,378 |
| Tier 1 risk-based capital ratio | 12.9595% | 5,001 |
| Total risk-based capital ratio | 14.1382% | 5,001 |
| Memoranda: | ||
| Average total assets | $63,123,400 | 5,676 |
| Average earning assets | $55,925,600 | 5,705 |
| Average equity | $5,357,000 | 5,972 |
| Average total loans | $43,842,400 | 5,197 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1773% | 3,469 |
| Cost of funding earning assets | 1.0479% | 392 |
| Net interest margin | 3.1295% | 5,233 |
| Noninterest income to average assets | 1.4646% | 685 |
| Noninterest expense to average assets | 3.9211% | 938 |
| Loan and lease loss provision to assets | 0.2543% | 1,400 |
| Net operating income to assets | 0.0325% | 6,250 |
| Return on assets (ROA) | 0.1576% | 6,090 |
| Pretax return on assets | 0.2648% | 5,942 |
| Return on Equity (ROE) | 1.8550% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.8550% | 5,204 |
| Net charge-offs to loans | 0.3810% | 1,684 |
| Credit loss provision to net charge-offs | 96.0317% | 2,484 |
| Earnings coverage of net charge-offs (x) | 1.2222% | 4,435 |
| Efficiency ratio | 92.3762% | 830 |
| Assets per employee ($millions) | 2.8460% | 6,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 5,745 |
| Loan loss allowance to noncurrent loans | 21.7567% | 6,203 |
| Noncurrent assets plus other real estate owned to assets | 3.7868% | 860 |
| Noncurrent loans to loans | 4.5766% | 703 |
| Net loans and leases to total assets | 68.4427% | 2,233 |
| Net loans and leases to deposits | 91.6918% | 1,004 |
| Net loans and leases to core deposits | 98.2394% | 1,228 |
| Total domestic deposits to total assets | 74.6442% | 6,317 |
| Equity capital to assets | 8.4375% | 5,808 |
| Core capital (leverage) ratio | 8.5797% | 5,686 |
| Tier 1 risk-based capital ratio | 13.2192% | 4,971 |
| Total risk-based capital ratio | 14.2797% | 5,052 |
| Memoranda: | ||
| Average total assets | $63,450,000 | 5,726 |
| Average earning assets | $56,366,250 | 5,754 |
| Average equity | $5,390,750 | 6,038 |
| Average total loans | $44,092,250 | 5,236 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 3,458 |
| Cost of funding earning assets | 1.0624% | 402 |
| Net interest margin | 3.1132% | 5,237 |
| Noninterest income to average assets | 1.5283% | 671 |
| Noninterest expense to average assets | 3.9354% | 936 |
| Loan and lease loss provision to assets | 0.3327% | 1,030 |
| Net operating income to assets | -0.0299% | 6,334 |
| Return on assets (ROA) | 0.1569% | 6,123 |
| Pretax return on assets | 0.3201% | 5,817 |
| Return on Equity (ROE) | 1.8428% | 6,004 |
| Retained earnings to average equity (ytd only) | 1.8428% | 5,095 |
| Net charge-offs to loans | -0.0090% | 5,749 |
| Credit loss provision to net charge-offs | -5,300.0000% | 6,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5997% | 925 |
| Assets per employee ($millions) | 2.8540% | 6,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 4,881 |
| Loan loss allowance to noncurrent loans | 22.4473% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 3.9721% | 874 |
| Noncurrent loans to loans | 5.4384% | 563 |
| Net loans and leases to total assets | 69.9767% | 1,887 |
| Net loans and leases to deposits | 93.9286% | 817 |
| Net loans and leases to core deposits | 100.6068% | 1,037 |
| Total domestic deposits to total assets | 74.4999% | 6,402 |
| Equity capital to assets | 8.4093% | 5,863 |
| Core capital (leverage) ratio | 8.5160% | 5,652 |
| Tier 1 risk-based capital ratio | 12.8921% | 5,233 |
| Total risk-based capital ratio | 14.1627% | 5,148 |
| Memoranda: | ||
| Average total assets | $63,729,000 | 5,753 |
| Average earning assets | $56,662,000 | 5,783 |
| Average equity | $5,426,670 | 6,068 |
| Average total loans | $44,361,330 | 5,250 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 3,422 |
| Cost of funding earning assets | 1.1218% | 334 |
| Net interest margin | 3.0498% | 5,436 |
| Noninterest income to average assets | 1.4268% | 748 |
| Noninterest expense to average assets | 3.7321% | 1,202 |
| Loan and lease loss provision to assets | 0.5608% | 468 |
| Net operating income to assets | -0.1279% | 6,465 |
| Return on assets (ROA) | 0.2430% | 5,870 |
| Pretax return on assets | 0.4237% | 5,489 |
| Return on Equity (ROE) | 2.8364% | 5,650 |
| Retained earnings to average equity (ytd only) | 2.8364% | 4,579 |
| Net charge-offs to loans | -0.0271% | 5,855 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2108% | 1,134 |
| Assets per employee ($millions) | 2.9023% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 5,008 |
| Loan loss allowance to noncurrent loans | 29.2427% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 2.9506% | 1,528 |
| Noncurrent loans to loans | 4.2348% | 1,027 |
| Net loans and leases to total assets | 66.0726% | 2,358 |
| Net loans and leases to deposits | 88.6247% | 1,086 |
| Net loans and leases to core deposits | 94.7981% | 1,284 |
| Total domestic deposits to total assets | 74.5533% | 6,501 |
| Equity capital to assets | 8.5981% | 5,919 |
| Core capital (leverage) ratio | 8.3570% | 5,756 |
| Tier 1 risk-based capital ratio | 13.1633% | 5,093 |
| Total risk-based capital ratio | 14.4362% | 5,028 |
| Memoranda: | ||
| Average total assets | $64,199,500 | 5,799 |
| Average earning assets | $57,053,500 | 5,821 |
| Average equity | $5,500,000 | 6,101 |
| Average total loans | $44,302,000 | 5,290 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7549% | 2,381 |
| Cost of funding earning assets | 1.2874% | 393 |
| Net interest margin | 3.4675% | 4,640 |
| Noninterest income to average assets | 1.4650% | 727 |
| Noninterest expense to average assets | 3.8596% | 1,153 |
| Loan and lease loss provision to assets | 0.1227% | 4,086 |
| Net operating income to assets | 0.3743% | 5,204 |
| Return on assets (ROA) | 0.4280% | 5,222 |
| Pretax return on assets | 0.6504% | 4,826 |
| Return on Equity (ROE) | 5.3044% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.3044% | 2,500 |
| Net charge-offs to loans | -0.1125% | 6,846 |
| Credit loss provision to net charge-offs | -148.1481% | 6,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7995% | 1,534 |
| Assets per employee ($millions) | 2.9340% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9502% | 6,128 |
| Loan loss allowance to noncurrent loans | 25.9524% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 2.7189% | 1,776 |
| Noncurrent loans to loans | 3.6612% | 1,338 |
| Net loans and leases to total assets | 70.4143% | 1,760 |
| Net loans and leases to deposits | 97.2110% | 552 |
| Net loans and leases to core deposits | 104.1045% | 784 |
| Total domestic deposits to total assets | 72.4345% | 6,666 |
| Equity capital to assets | 8.5363% | 6,017 |
| Core capital (leverage) ratio | 8.2063% | 5,990 |
| Tier 1 risk-based capital ratio | 13.0077% | 5,102 |
| Total risk-based capital ratio | 14.0784% | 5,170 |
| Memoranda: | ||
| Average total assets | $65,187,400 | 5,778 |
| Average earning assets | $58,024,000 | 5,815 |
| Average equity | $5,259,800 | 6,219 |
| Average total loans | $48,000,000 | 5,180 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 2,505 |
| Cost of funding earning assets | 1.3036% | 429 |
| Net interest margin | 3.4671% | 4,771 |
| Noninterest income to average assets | 1.3384% | 825 |
| Noninterest expense to average assets | 3.6134% | 1,532 |
| Loan and lease loss provision to assets | 0.1326% | 3,887 |
| Net operating income to assets | 0.4482% | 5,046 |
| Return on assets (ROA) | 0.4734% | 5,202 |
| Pretax return on assets | 0.7243% | 4,775 |
| Return on Equity (ROE) | 5.9518% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.9518% | 2,723 |
| Net charge-offs to loans | -0.2418% | 7,021 |
| Credit loss provision to net charge-offs | -73.8636% | 6,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5378% | 1,859 |
| Assets per employee ($millions) | 2.9557% | 6,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 6,206 |
| Loan loss allowance to noncurrent loans | 35.5191% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 2.1222% | 2,523 |
| Noncurrent loans to loans | 2.7174% | 2,085 |
| Net loans and leases to total assets | 71.7959% | 1,589 |
| Net loans and leases to deposits | 101.7235% | 366 |
| Net loans and leases to core deposits | 109.0718% | 603 |
| Total domestic deposits to total assets | 70.5795% | 6,818 |
| Equity capital to assets | 8.3797% | 6,366 |
| Core capital (leverage) ratio | 8.0722% | 6,261 |
| Tier 1 risk-based capital ratio | 12.3742% | 5,720 |
| Total risk-based capital ratio | 13.4468% | 5,803 |
| Memoranda: | ||
| Average total assets | $65,347,250 | 5,835 |
| Average earning assets | $58,299,250 | 5,869 |
| Average equity | $5,197,250 | 6,309 |
| Average total loans | $48,528,250 | 5,220 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8256% | 2,404 |
| Cost of funding earning assets | 1.3454% | 438 |
| Net interest margin | 3.4802% | 4,760 |
| Noninterest income to average assets | 1.2008% | 994 |
| Noninterest expense to average assets | 3.5139% | 1,755 |
| Loan and lease loss provision to assets | 0.1528% | 3,612 |
| Net operating income to assets | 0.4318% | 5,111 |
| Return on assets (ROA) | 0.4339% | 5,326 |
| Pretax return on assets | 0.6356% | 5,006 |
| Return on Equity (ROE) | 5.5541% | 4,559 |
| Retained earnings to average equity (ytd only) | 5.5541% | 2,958 |
| Net charge-offs to loans | -0.3552% | 7,094 |
| Credit loss provision to net charge-offs | -57.4713% | 6,012 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7342% | 1,920 |
| Assets per employee ($millions) | 2.9920% | 6,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 6,476 |
| Loan loss allowance to noncurrent loans | 30.5923% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 2.5841% | 2,149 |
| Noncurrent loans to loans | 2.9193% | 2,048 |
| Net loans and leases to total assets | 74.0084% | 1,239 |
| Net loans and leases to deposits | 104.0029% | 279 |
| Net loans and leases to core deposits | 111.3992% | 525 |
| Total domestic deposits to total assets | 71.1599% | 6,847 |
| Equity capital to assets | 7.9438% | 6,600 |
| Core capital (leverage) ratio | 7.8374% | 6,419 |
| Tier 1 risk-based capital ratio | 11.5891% | 6,173 |
| Total risk-based capital ratio | 12.5753% | 6,301 |
| Memoranda: | ||
| Average total assets | $65,454,330 | 5,866 |
| Average earning assets | $58,272,000 | 5,896 |
| Average equity | $5,113,330 | 6,364 |
| Average total loans | $48,990,670 | 5,232 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 2,326 |
| Cost of funding earning assets | 1.4037% | 421 |
| Net interest margin | 3.4748% | 4,813 |
| Noninterest income to average assets | 1.0541% | 1,296 |
| Noninterest expense to average assets | 3.5484% | 1,667 |
| Loan and lease loss provision to assets | 0.0919% | 4,202 |
| Net operating income to assets | 0.3086% | 5,635 |
| Return on assets (ROA) | 0.3126% | 5,778 |
| Pretax return on assets | 0.5148% | 5,376 |
| Return on Equity (ROE) | 4.0352% | 5,281 |
| Retained earnings to average equity (ytd only) | 4.0352% | 4,168 |
| Net charge-offs to loans | -0.0245% | 6,252 |
| Credit loss provision to net charge-offs | -500.0000% | 5,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5244% | 1,525 |
| Assets per employee ($millions) | 2.9760% | 6,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 6,928 |
| Loan loss allowance to noncurrent loans | 22.4719% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 2.5813% | 2,292 |
| Noncurrent loans to loans | 2.9151% | 2,224 |
| Net loans and leases to total assets | 74.1218% | 1,039 |
| Net loans and leases to deposits | 105.9863% | 208 |
| Net loans and leases to core deposits | 109.8612% | 540 |
| Total domestic deposits to total assets | 69.9352% | 6,982 |
| Equity capital to assets | 7.8369% | 6,620 |
| Core capital (leverage) ratio | 7.7697% | 6,436 |
| Tier 1 risk-based capital ratio | 11.7716% | 6,110 |
| Total risk-based capital ratio | 12.5121% | 6,387 |
| Memoranda: | ||
| Average total assets | $65,269,000 | 5,909 |
| Average earning assets | $58,132,500 | 5,934 |
| Average equity | $5,055,500 | 6,411 |
| Average total loans | $48,908,500 | 5,268 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9570% | 3,083 |
| Cost of funding earning assets | 1.6808% | 344 |
| Net interest margin | 3.2761% | 5,883 |
| Noninterest income to average assets | 1.0117% | 1,334 |
| Noninterest expense to average assets | 3.6645% | 1,606 |
| Loan and lease loss provision to assets | 0.2893% | 3,355 |
| Net operating income to assets | 0.0105% | 6,018 |
| Return on assets (ROA) | 0.2023% | 5,714 |
| Pretax return on assets | 0.1769% | 5,840 |
| Return on Equity (ROE) | 2.7178% | 5,402 |
| Retained earnings to average equity (ytd only) | 2.7178% | 4,304 |
| Net charge-offs to loans | 0.3423% | 3,690 |
| Credit loss provision to net charge-offs | 114.2012% | 2,866 |
| Earnings coverage of net charge-offs (x) | 1.0828% | 4,974 |
| Efficiency ratio | 93.0365% | 979 |
| Assets per employee ($millions) | 2.7111% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6147% | 6,999 |
| Loan loss allowance to noncurrent loans | 26.5901% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 1.8919% | 3,119 |
| Noncurrent loans to loans | 2.3117% | 2,846 |
| Net loans and leases to total assets | 74.7964% | 1,127 |
| Net loans and leases to deposits | 106.0676% | 248 |
| Net loans and leases to core deposits | 113.4561% | 521 |
| Total domestic deposits to total assets | 70.5176% | 6,960 |
| Equity capital to assets | 7.6538% | 6,746 |
| Core capital (leverage) ratio | 7.7063% | 6,527 |
| Tier 1 risk-based capital ratio | 11.3914% | 6,226 |
| Total risk-based capital ratio | 12.0748% | 6,529 |
| Memoranda: | ||
| Average total assets | $66,721,000 | 5,849 |
| Average earning assets | $59,613,200 | 5,876 |
| Average equity | $4,967,200 | 6,453 |
| Average total loans | $49,374,200 | 5,286 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 3,362 |
| Cost of funding earning assets | 1.7199% | 367 |
| Net interest margin | 3.2243% | 6,096 |
| Noninterest income to average assets | 0.9394% | 1,516 |
| Noninterest expense to average assets | 3.6304% | 1,648 |
| Loan and lease loss provision to assets | 0.3336% | 2,875 |
| Net operating income to assets | -0.0854% | 6,266 |
| Return on assets (ROA) | 0.1688% | 5,905 |
| Pretax return on assets | 0.1112% | 6,072 |
| Return on Equity (ROE) | 2.2830% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.2830% | 4,982 |
| Net charge-offs to loans | 0.1186% | 4,838 |
| Credit loss provision to net charge-offs | 381.8182% | 742 |
| Earnings coverage of net charge-offs (x) | 2.1817% | 4,038 |
| Efficiency ratio | 95.0104% | 869 |
| Assets per employee ($millions) | 2.6706% | 6,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 6,762 |
| Loan loss allowance to noncurrent loans | 39.0458% | 5,680 |
| Noncurrent assets plus other real estate owned to assets | 2.0400% | 3,095 |
| Noncurrent loans to loans | 2.1216% | 3,216 |
| Net loans and leases to total assets | 71.9044% | 1,729 |
| Net loans and leases to deposits | 104.0329% | 318 |
| Net loans and leases to core deposits | 109.7328% | 685 |
| Total domestic deposits to total assets | 69.1171% | 7,084 |
| Equity capital to assets | 7.4006% | 6,953 |
| Core capital (leverage) ratio | 7.4366% | 6,797 |
| Tier 1 risk-based capital ratio | 11.2738% | 6,384 |
| Total risk-based capital ratio | 12.1839% | 6,558 |
| Memoranda: | ||
| Average total assets | $67,134,750 | 5,867 |
| Average earning assets | $60,001,000 | 5,907 |
| Average equity | $4,964,000 | 6,510 |
| Average total loans | $49,475,750 | 5,326 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0856% | 2,750 |
| Cost of funding earning assets | 1.7828% | 336 |
| Net interest margin | 3.3028% | 5,848 |
| Noninterest income to average assets | 0.9218% | 1,578 |
| Noninterest expense to average assets | 3.5802% | 1,786 |
| Loan and lease loss provision to assets | 0.4550% | 2,147 |
| Net operating income to assets | -0.1574% | 6,426 |
| Return on assets (ROA) | 0.0862% | 6,125 |
| Pretax return on assets | 0.2200% | 5,887 |
| Return on Equity (ROE) | 1.1666% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.1666% | 5,396 |
| Net charge-offs to loans | 0.2448% | 3,655 |
| Credit loss provision to net charge-offs | 250.8197% | 1,204 |
| Earnings coverage of net charge-offs (x) | 1.6230% | 4,075 |
| Efficiency ratio | 92.4021% | 1,074 |
| Assets per employee ($millions) | 2.6753% | 6,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7694% | 6,922 |
| Loan loss allowance to noncurrent loans | 129.0210% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.5846% | 5,748 |
| Noncurrent loans to loans | 0.5963% | 5,732 |
| Net loans and leases to total assets | 71.1567% | 1,966 |
| Net loans and leases to deposits | 102.8461% | 352 |
| Net loans and leases to core deposits | 107.7914% | 826 |
| Total domestic deposits to total assets | 69.1875% | 7,147 |
| Equity capital to assets | 7.4101% | 6,988 |
| Core capital (leverage) ratio | 7.3491% | 6,843 |
| Tier 1 risk-based capital ratio | 11.2261% | 6,369 |
| Total risk-based capital ratio | 12.1243% | 6,583 |
| Memoranda: | ||
| Average total assets | $67,258,000 | 5,910 |
| Average earning assets | $60,130,330 | 5,954 |
| Average equity | $4,971,670 | 6,543 |
| Average total loans | $49,831,670 | 5,361 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1149% | 2,581 |
| Cost of funding earning assets | 1.8666% | 290 |
| Net interest margin | 3.2483% | 5,927 |
| Noninterest income to average assets | 0.7117% | 2,508 |
| Noninterest expense to average assets | 3.5228% | 1,943 |
| Loan and lease loss provision to assets | 0.4626% | 1,905 |
| Net operating income to assets | -0.3352% | 6,692 |
| Return on assets (ROA) | 0.0178% | 6,351 |
| Pretax return on assets | 0.1779% | 5,992 |
| Return on Equity (ROE) | 0.2410% | 6,328 |
| Retained earnings to average equity (ytd only) | 0.2410% | 5,714 |
| Net charge-offs to loans | 0.2994% | 2,848 |
| Credit loss provision to net charge-offs | 205.2632% | 1,447 |
| Earnings coverage of net charge-offs (x) | 0.3947% | 4,327 |
| Efficiency ratio | 97.5369% | 858 |
| Assets per employee ($millions) | 2.8136% | 6,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 7,151 |
| Loan loss allowance to noncurrent loans | 25.8776% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 1.9696% | 3,356 |
| Noncurrent loans to loans | 2.4961% | 2,991 |
| Net loans and leases to total assets | 72.2092% | 1,677 |
| Net loans and leases to deposits | 105.0794% | 277 |
| Net loans and leases to core deposits | 110.0851% | 716 |
| Total domestic deposits to total assets | 68.7187% | 7,241 |
| Equity capital to assets | 7.3394% | 6,956 |
| Core capital (leverage) ratio | 7.2446% | 6,896 |
| Tier 1 risk-based capital ratio | 11.1509% | 6,394 |
| Total risk-based capital ratio | 11.9860% | 6,659 |
| Memoranda: | ||
| Average total assets | $67,446,000 | 5,949 |
| Average earning assets | $60,216,500 | 5,989 |
| Average equity | $4,979,500 | 6,572 |
| Average total loans | $50,767,500 | 5,369 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5251% | 2,181 |
| Cost of funding earning assets | 2.4128% | 143 |
| Net interest margin | 3.1123% | 6,493 |
| Noninterest income to average assets | 0.9163% | 1,789 |
| Noninterest expense to average assets | 3.4338% | 2,344 |
| Loan and lease loss provision to assets | 0.1334% | 5,841 |
| Net operating income to assets | 0.0181% | 5,782 |
| Return on assets (ROA) | 0.1557% | 5,579 |
| Pretax return on assets | 0.3410% | 5,109 |
| Return on Equity (ROE) | 2.1201% | 5,343 |
| Retained earnings to average equity (ytd only) | 2.1201% | 4,402 |
| Net charge-offs to loans | 0.0476% | 6,324 |
| Credit loss provision to net charge-offs | 360.0000% | 709 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,224 |
| Efficiency ratio | 92.9747% | 1,122 |
| Assets per employee ($millions) | 2.8069% | 6,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5280% | 7,336 |
| Loan loss allowance to noncurrent loans | 29.4995% | 6,325 |
| Noncurrent assets plus other real estate owned to assets | 1.5497% | 3,991 |
| Noncurrent loans to loans | 1.7900% | 3,830 |
| Net loans and leases to total assets | 77.4590% | 1,022 |
| Net loans and leases to deposits | 114.1966% | 170 |
| Net loans and leases to core deposits | 119.6867% | 535 |
| Total domestic deposits to total assets | 67.8295% | 7,331 |
| Equity capital to assets | 7.4266% | 6,918 |
| Core capital (leverage) ratio | 7.2628% | 6,869 |
| Tier 1 risk-based capital ratio | 10.6361% | 6,616 |
| Total risk-based capital ratio | 11.4550% | 6,846 |
| Memoranda: | ||
| Average total assets | $67,446,200 | 5,949 |
| Average earning assets | $60,180,200 | 5,991 |
| Average equity | $4,952,600 | 6,677 |
| Average total loans | $52,478,000 | 5,384 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6063% | 2,035 |
| Cost of funding earning assets | 2.5175% | 130 |
| Net interest margin | 3.0888% | 6,640 |
| Noninterest income to average assets | 0.8992% | 1,799 |
| Noninterest expense to average assets | 3.4762% | 2,093 |
| Loan and lease loss provision to assets | 0.0889% | 6,157 |
| Net operating income to assets | 0.0004% | 5,998 |
| Return on assets (ROA) | 0.1838% | 5,718 |
| Pretax return on assets | 0.3775% | 5,294 |
| Return on Equity (ROE) | 2.5101% | 5,427 |
| Retained earnings to average equity (ytd only) | 2.5101% | 4,664 |
| Net charge-offs to loans | -0.0102% | 7,269 |
| Credit loss provision to net charge-offs | -1,125.0000% | 7,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0811% | 941 |
| Assets per employee ($millions) | 2.6892% | 6,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5021% | 7,449 |
| Loan loss allowance to noncurrent loans | 208.0000% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 6,042 |
| Noncurrent loans to loans | 0.2414% | 6,688 |
| Net loans and leases to total assets | 79.8358% | 780 |
| Net loans and leases to deposits | 114.9980% | 174 |
| Net loans and leases to core deposits | 120.6415% | 590 |
| Total domestic deposits to total assets | 69.4236% | 7,304 |
| Equity capital to assets | 7.7626% | 6,965 |
| Core capital (leverage) ratio | 7.5650% | 6,801 |
| Tier 1 risk-based capital ratio | 10.7011% | 6,633 |
| Total risk-based capital ratio | 11.5314% | 6,899 |
| Memoranda: | ||
| Average total assets | $67,466,250 | 6,016 |
| Average earning assets | $60,216,250 | 6,054 |
| Average equity | $4,940,000 | 6,771 |
| Average total loans | $52,483,000 | 5,464 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5724% | 2,243 |
| Cost of funding earning assets | 2.5751% | 137 |
| Net interest margin | 2.9973% | 6,828 |
| Noninterest income to average assets | 0.6546% | 2,989 |
| Noninterest expense to average assets | 3.3401% | 2,432 |
| Loan and lease loss provision to assets | 0.0877% | 6,049 |
| Net operating income to assets | -0.1068% | 6,242 |
| Return on assets (ROA) | 0.1344% | 5,883 |
| Pretax return on assets | 0.2805% | 5,561 |
| Return on Equity (ROE) | 1.8712% | 5,669 |
| Retained earnings to average equity (ytd only) | 1.8712% | 4,934 |
| Net charge-offs to loans | 0.0266% | 5,964 |
| Credit loss provision to net charge-offs | 428.5714% | 845 |
| Earnings coverage of net charge-offs (x) | -0.4286% | 5,995 |
| Efficiency ratio | 100.2632% | 791 |
| Assets per employee ($millions) | 2.8606% | 6,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4442% | 7,564 |
| Loan loss allowance to noncurrent loans | 105.8824% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 5,834 |
| Noncurrent loans to loans | 0.4195% | 6,406 |
| Net loans and leases to total assets | 76.3888% | 1,420 |
| Net loans and leases to deposits | 113.9691% | 206 |
| Net loans and leases to core deposits | 118.0400% | 768 |
| Total domestic deposits to total assets | 67.0260% | 7,481 |
| Equity capital to assets | 7.1605% | 7,290 |
| Core capital (leverage) ratio | 7.0373% | 7,167 |
| Tier 1 risk-based capital ratio | 10.7096% | 6,519 |
| Total risk-based capital ratio | 11.3866% | 6,920 |
| Memoranda: | ||
| Average total assets | $68,441,670 | 6,015 |
| Average earning assets | $61,122,670 | 6,058 |
| Average equity | $4,916,670 | 6,807 |
| Average total loans | $52,715,330 | 5,479 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6678% | 1,893 |
| Cost of funding earning assets | 2.6795% | 130 |
| Net interest margin | 2.9882% | 6,857 |
| Noninterest income to average assets | 0.6380% | 3,014 |
| Noninterest expense to average assets | 3.2779% | 2,600 |
| Loan and lease loss provision to assets | 0.0878% | 5,759 |
| Net operating income to assets | -0.0435% | 6,366 |
| Return on assets (ROA) | 0.1873% | 5,854 |
| Pretax return on assets | 0.2751% | 5,673 |
| Return on Equity (ROE) | 2.6032% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.6032% | 4,581 |
| Net charge-offs to loans | 0.0303% | 5,147 |
| Credit loss provision to net charge-offs | 375.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,170 |
| Efficiency ratio | 99.2908% | 864 |
| Assets per employee ($millions) | 2.9454% | 6,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4210% | 7,675 |
| Loan loss allowance to noncurrent loans | 121.9780% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 6,001 |
| Noncurrent loans to loans | 0.3451% | 6,611 |
| Net loans and leases to total assets | 77.5109% | 1,245 |
| Net loans and leases to deposits | 113.1684% | 226 |
| Net loans and leases to core deposits | 117.1501% | 899 |
| Total domestic deposits to total assets | 68.4917% | 7,502 |
| Equity capital to assets | 7.2803% | 7,223 |
| Core capital (leverage) ratio | 7.1131% | 7,168 |
| Tier 1 risk-based capital ratio | 10.4022% | 6,716 |
| Total risk-based capital ratio | 11.1029% | 7,118 |
| Memoranda: | ||
| Average total assets | $68,335,500 | 6,096 |
| Average earning assets | $60,906,000 | 6,135 |
| Average equity | $4,917,000 | 6,871 |
| Average total loans | $52,734,000 | 5,549 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0082% | 1,832 |
| Cost of funding earning assets | 3.0280% | 212 |
| Net interest margin | 2.9802% | 6,698 |
| Noninterest income to average assets | 0.8191% | 2,308 |
| Noninterest expense to average assets | 3.3660% | 2,787 |
| Loan and lease loss provision to assets | 0.1101% | 6,547 |
| Net operating income to assets | -0.0153% | 5,517 |
| Return on assets (ROA) | 0.2158% | 4,907 |
| Pretax return on assets | 0.3611% | 4,611 |
| Return on Equity (ROE) | 3.1955% | 4,416 |
| Retained earnings to average equity (ytd only) | 3.1955% | 2,921 |
| Net charge-offs to loans | 0.1751% | 5,552 |
| Credit loss provision to net charge-offs | 84.2697% | 6,178 |
| Earnings coverage of net charge-offs (x) | 0.8427% | 5,264 |
| Efficiency ratio | 96.8328% | 1,278 |
| Assets per employee ($millions) | 2.9968% | 6,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3906% | 7,764 |
| Loan loss allowance to noncurrent loans | 46.8182% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 0.9866% | 5,136 |
| Noncurrent loans to loans | 0.8343% | 5,623 |
| Net loans and leases to total assets | 76.2125% | 1,746 |
| Net loans and leases to deposits | 112.8267% | 298 |
| Net loans and leases to core deposits | 143.7158% | 685 |
| Total domestic deposits to total assets | 67.5483% | 7,577 |
| Equity capital to assets | 7.1119% | 7,321 |
| Core capital (leverage) ratio | 6.9458% | 7,282 |
| Tier 1 risk-based capital ratio | 10.3087% | 6,579 |
| Total risk-based capital ratio | 10.9752% | 7,058 |
| Memoranda: | ||
| Average total assets | $68,122,800 | 6,071 |
| Average earning assets | $60,733,600 | 6,102 |
| Average equity | $4,600,200 | 7,082 |
| Average total loans | $50,827,800 | 5,631 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0657% | 1,773 |
| Cost of funding earning assets | 3.0592% | 273 |
| Net interest margin | 3.0065% | 6,593 |
| Noninterest income to average assets | 0.8460% | 2,219 |
| Noninterest expense to average assets | 3.2566% | 3,091 |
| Loan and lease loss provision to assets | 0.0785% | 6,582 |
| Net operating income to assets | 0.1244% | 5,395 |
| Return on assets (ROA) | 0.2827% | 4,958 |
| Pretax return on assets | 0.4417% | 4,690 |
| Return on Equity (ROE) | 4.2433% | 4,274 |
| Retained earnings to average equity (ytd only) | 4.2433% | 2,901 |
| Net charge-offs to loans | 0.1536% | 5,181 |
| Credit loss provision to net charge-offs | 68.9655% | 6,003 |
| Earnings coverage of net charge-offs (x) | 2.3966% | 4,035 |
| Efficiency ratio | 92.2692% | 1,523 |
| Assets per employee ($millions) | 3.0253% | 6,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3889% | 7,831 |
| Loan loss allowance to noncurrent loans | 43.5345% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 5,362 |
| Noncurrent loans to loans | 0.8933% | 5,496 |
| Net loans and leases to total assets | 74.3594% | 2,428 |
| Net loans and leases to deposits | 113.4798% | 346 |
| Net loans and leases to core deposits | 144.5373% | 743 |
| Total domestic deposits to total assets | 65.5265% | 7,710 |
| Equity capital to assets | 7.0925% | 7,552 |
| Core capital (leverage) ratio | 6.8783% | 7,504 |
| Tier 1 risk-based capital ratio | 10.1745% | 6,811 |
| Total risk-based capital ratio | 10.6049% | 7,443 |
| Memoranda: | ||
| Average total assets | $67,921,750 | 6,108 |
| Average earning assets | $60,623,500 | 6,154 |
| Average equity | $4,524,750 | 7,171 |
| Average total loans | $50,350,500 | 5,697 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1507% | 1,613 |
| Cost of funding earning assets | 3.1020% | 349 |
| Net interest margin | 3.0488% | 6,407 |
| Noninterest income to average assets | 0.9114% | 1,938 |
| Noninterest expense to average assets | 3.2359% | 3,212 |
| Loan and lease loss provision to assets | 0.0742% | 6,447 |
| Net operating income to assets | 0.2190% | 5,188 |
| Return on assets (ROA) | 0.2553% | 5,163 |
| Pretax return on assets | 0.3770% | 4,997 |
| Return on Equity (ROE) | 3.9198% | 4,527 |
| Retained earnings to average equity (ytd only) | 3.9198% | 3,099 |
| Net charge-offs to loans | 0.1887% | 4,377 |
| Credit loss provision to net charge-offs | 53.1915% | 5,716 |
| Earnings coverage of net charge-offs (x) | 2.8511% | 3,676 |
| Efficiency ratio | 89.0523% | 1,903 |
| Assets per employee ($millions) | 3.0937% | 5,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4079% | 7,895 |
| Loan loss allowance to noncurrent loans | 53.2086% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5495% | 6,047 |
| Noncurrent loans to loans | 0.7666% | 5,702 |
| Net loans and leases to total assets | 71.3849% | 3,381 |
| Net loans and leases to deposits | 108.0553% | 648 |
| Net loans and leases to core deposits | 137.6335% | 1,123 |
| Total domestic deposits to total assets | 66.0633% | 7,736 |
| Equity capital to assets | 6.8452% | 7,688 |
| Core capital (leverage) ratio | 6.9259% | 7,585 |
| Tier 1 risk-based capital ratio | 9.8298% | 7,103 |
| Total risk-based capital ratio | 10.2444% | 7,718 |
| Memoranda: | ||
| Average total assets | $67,368,670 | 6,176 |
| Average earning assets | $60,155,330 | 6,219 |
| Average equity | $4,388,000 | 7,281 |
| Average total loans | $49,820,000 | 5,775 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1293% | 1,833 |
| Cost of funding earning assets | 3.1482% | 398 |
| Net interest margin | 2.9811% | 6,526 |
| Noninterest income to average assets | 0.6326% | 3,331 |
| Noninterest expense to average assets | 3.1691% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1029% | 5,973 |
| Return on assets (ROA) | 0.1910% | 5,858 |
| Pretax return on assets | 0.2328% | 5,866 |
| Return on Equity (ROE) | 3.0100% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.0100% | 4,203 |
| Net charge-offs to loans | 0.1987% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 0.8400% | 4,354 |
| Efficiency ratio | 96.1957% | 1,310 |
| Assets per employee ($millions) | 3.2170% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3825% | 7,967 |
| Loan loss allowance to noncurrent loans | 42.6374% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6735% | 5,480 |
| Noncurrent loans to loans | 0.8972% | 5,209 |
| Net loans and leases to total assets | 74.7817% | 2,558 |
| Net loans and leases to deposits | 114.0377% | 448 |
| Net loans and leases to core deposits | 136.8984% | 1,249 |
| Total domestic deposits to total assets | 65.5762% | 7,761 |
| Equity capital to assets | 6.1414% | 7,972 |
| Core capital (leverage) ratio | 6.8515% | 7,728 |
| Tier 1 risk-based capital ratio | 9.8996% | 7,040 |
| Total risk-based capital ratio | 10.3114% | 7,775 |
| Memoranda: | ||
| Average total assets | $67,022,000 | 6,215 |
| Average earning assets | $59,843,500 | 6,264 |
| Average equity | $4,252,500 | 7,364 |
| Average total loans | $50,337,500 | 5,785 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3931% | 3,454 |
| Cost of funding earning assets | 3.4846% | 543 |
| Net interest margin | 2.9085% | 7,138 |
| Noninterest income to average assets | 0.4154% | 5,341 |
| Noninterest expense to average assets | 3.0523% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0333% | 6,274 |
| Return on assets (ROA) | 0.0079% | 6,207 |
| Pretax return on assets | -0.0587% | 6,219 |
| Return on Equity (ROE) | 0.1135% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.1135% | 5,165 |
| Net charge-offs to loans | 0.0372% | 6,281 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -0.6667% | 6,530 |
| Efficiency ratio | 100.6273% | 959 |
| Assets per employee ($millions) | 3.1660% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4384% | 7,936 |
| Loan loss allowance to noncurrent loans | 54.3424% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 5,379 |
| Noncurrent loans to loans | 0.8066% | 5,024 |
| Net loans and leases to total assets | 74.8142% | 2,919 |
| Net loans and leases to deposits | 117.7580% | 449 |
| Net loans and leases to core deposits | 151.5154% | 800 |
| Total domestic deposits to total assets | 63.5322% | 7,815 |
| Equity capital to assets | 6.5518% | 7,921 |
| Core capital (leverage) ratio | 6.9381% | 7,734 |
| Tier 1 risk-based capital ratio | 10.2995% | 6,422 |
| Total risk-based capital ratio | 10.7865% | 7,186 |
| Memoranda: | ||
| Average total assets | $63,067,800 | 6,275 |
| Average earning assets | $56,764,200 | 6,310 |
| Average equity | $4,404,400 | 7,358 |
| Average total loans | $48,393,800 | 5,759 |