Home > Home Federal Bank of Hollywood > Performance and Condition Ratios
Home Federal Bank of Hollywood, 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 | 4.1290% | 1,292 |
| Cost of funding earning assets | 1.2532% | 33 |
| Net interest margin | 2.8759% | 3,631 |
| Noninterest income to average assets | 0.0749% | 4,776 |
| Noninterest expense to average assets | 6.4829% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -4.0096% | 4,938 |
| Return on assets (ROA) | -4.0096% | 4,938 |
| Pretax return on assets | -4.0096% | 4,937 |
| Return on Equity (ROE) | -34.3397% | 4,938 |
| Retained earnings to average equity (ytd only) | -34.3397% | 4,924 |
| 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 | 262.1212% | 13 |
| Assets per employee ($millions) | 3.3423% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 788 |
| Loan loss allowance to noncurrent loans | 28.3619% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 3.4963% | 73 |
| Noncurrent loans to loans | 6.5703% | 48 |
| Net loans and leases to total assets | 52.2226% | 3,321 |
| Net loans and leases to deposits | 70.3194% | 2,372 |
| Net loans and leases to core deposits | 83.8141% | 1,581 |
| Total domestic deposits to total assets | 74.2648% | 4,644 |
| Equity capital to assets | 11.0147% | 1,959 |
| Core capital (leverage) ratio | 10.9892% | 1,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4691% | 651 |
| Memoranda: | ||
| Average total assets | $48,034,333 | 4,677 |
| Average earning assets | $40,057,667 | 4,713 |
| Average equity | $5,608,667 | 4,665 |
| Average total loans | $26,186,333 | 4,545 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3745% | 3,274 |
| Cost of funding earning assets | 1.2888% | 38 |
| Net interest margin | 2.0857% | 4,686 |
| Noninterest income to average assets | 0.0740% | 4,786 |
| Noninterest expense to average assets | 6.4371% | 114 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -4.6202% | 4,966 |
| Return on assets (ROA) | -4.6202% | 4,966 |
| Pretax return on assets | -4.6202% | 4,965 |
| Return on Equity (ROE) | -38.5195% | 4,970 |
| Retained earnings to average equity (ytd only) | -38.5195% | 4,957 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 354.2986% | 7 |
| Assets per employee ($millions) | 3.4371% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8184% | 843 |
| Loan loss allowance to noncurrent loans | 20.6866% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 4.6614% | 42 |
| Noncurrent loans to loans | 8.7902% | 27 |
| Net loans and leases to total assets | 52.0647% | 3,443 |
| Net loans and leases to deposits | 70.1352% | 2,488 |
| Net loans and leases to core deposits | 85.5051% | 1,554 |
| Total domestic deposits to total assets | 74.2347% | 4,658 |
| Equity capital to assets | 11.5422% | 1,514 |
| Core capital (leverage) ratio | 11.2510% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8383% | 530 |
| Memoranda: | ||
| Average total assets | $48,655,500 | 4,685 |
| Average earning assets | $40,658,000 | 4,727 |
| Average equity | $5,836,000 | 4,653 |
| Average total loans | $26,829,500 | 4,554 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1205% | 2,366 |
| Cost of funding earning assets | 1.5975% | 51 |
| Net interest margin | 2.5230% | 4,568 |
| Noninterest income to average assets | 0.2755% | 3,830 |
| Noninterest expense to average assets | 5.6542% | 146 |
| Loan and lease loss provision to assets | 0.1559% | 2,421 |
| Net operating income to assets | -3.3700% | 4,978 |
| Return on assets (ROA) | -3.3700% | 4,978 |
| Pretax return on assets | -3.3700% | 4,979 |
| Return on Equity (ROE) | -28.7655% | 4,986 |
| Retained earnings to average equity (ytd only) | -28.7655% | 4,977 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 231.7236% | 14 |
| Assets per employee ($millions) | 3.5137% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 1,166 |
| Loan loss allowance to noncurrent loans | 22.0428% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 4.2792% | 53 |
| Noncurrent loans to loans | 7.4799% | 42 |
| Net loans and leases to total assets | 56.2652% | 3,269 |
| Net loans and leases to deposits | 76.1619% | 2,263 |
| Net loans and leases to core deposits | 91.9535% | 1,388 |
| Total domestic deposits to total assets | 73.8758% | 4,640 |
| Equity capital to assets | 12.4370% | 1,350 |
| Core capital (leverage) ratio | 11.3862% | 1,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1403% | 495 |
| Memoranda: | ||
| Average total assets | $55,162,800 | 4,586 |
| Average earning assets | $47,324,800 | 4,631 |
| Average equity | $6,462,600 | 4,589 |
| Average total loans | $34,614,000 | 4,415 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3101% | 2,068 |
| Cost of funding earning assets | 1.6367% | 62 |
| Net interest margin | 2.6734% | 4,494 |
| Noninterest income to average assets | 0.3365% | 3,464 |
| Noninterest expense to average assets | 5.0479% | 185 |
| Loan and lease loss provision to assets | 0.2030% | 1,973 |
| Net operating income to assets | -2.6075% | 4,998 |
| Return on assets (ROA) | -2.6075% | 4,998 |
| Pretax return on assets | -2.6075% | 4,997 |
| Return on Equity (ROE) | -22.5584% | 5,002 |
| Retained earnings to average equity (ytd only) | -22.5584% | 4,988 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 191.0062% | 24 |
| Assets per employee ($millions) | 3.9008% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 1,457 |
| Loan loss allowance to noncurrent loans | 25.9073% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 3.2796% | 119 |
| Noncurrent loans to loans | 5.6937% | 78 |
| Net loans and leases to total assets | 56.7505% | 3,547 |
| Net loans and leases to deposits | 75.7510% | 2,777 |
| Net loans and leases to core deposits | 81.4657% | 2,702 |
| Total domestic deposits to total assets | 74.9171% | 4,506 |
| Equity capital to assets | 12.5762% | 1,389 |
| Core capital (leverage) ratio | 12.2728% | 1,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0043% | 450 |
| Memoranda: | ||
| Average total assets | $56,655,500 | 4,575 |
| Average earning assets | $48,876,250 | 4,626 |
| Average equity | $6,548,750 | 4,600 |
| Average total loans | $36,232,000 | 4,413 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 1,958 |
| Cost of funding earning assets | 1.7158% | 73 |
| Net interest margin | 2.7695% | 4,489 |
| Noninterest income to average assets | 0.1116% | 4,735 |
| Noninterest expense to average assets | 4.6532% | 237 |
| Loan and lease loss provision to assets | 0.3000% | 1,436 |
| Net operating income to assets | -2.4487% | 5,026 |
| Return on assets (ROA) | -2.4487% | 5,025 |
| Pretax return on assets | -2.4487% | 5,019 |
| Return on Equity (ROE) | -21.7933% | 5,032 |
| Retained earnings to average equity (ytd only) | -21.7933% | 5,010 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.7939% | 23 |
| Assets per employee ($millions) | 3.8513% | 4,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 1,809 |
| Loan loss allowance to noncurrent loans | 79.4521% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0109% | 1,186 |
| Noncurrent loans to loans | 1.6909% | 856 |
| Net loans and leases to total assets | 58.9822% | 3,425 |
| Net loans and leases to deposits | 75.7975% | 2,896 |
| Net loans and leases to core deposits | 81.6574% | 2,804 |
| Total domestic deposits to total assets | 77.8155% | 4,211 |
| Equity capital to assets | 10.5106% | 2,736 |
| Core capital (leverage) ratio | 10.3392% | 2,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3019% | 735 |
| Memoranda: | ||
| Average total assets | $57,337,000 | 4,576 |
| Average earning assets | $49,539,667 | 4,630 |
| Average equity | $6,442,333 | 4,636 |
| Average total loans | $37,824,000 | 4,391 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7410% | 1,583 |
| Cost of funding earning assets | 1.8154% | 81 |
| Net interest margin | 2.9257% | 4,393 |
| Noninterest income to average assets | 0.0630% | 4,940 |
| Noninterest expense to average assets | 4.9159% | 236 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -2.3249% | 5,062 |
| Return on assets (ROA) | -2.3249% | 5,049 |
| Pretax return on assets | -2.3249% | 5,039 |
| Return on Equity (ROE) | -20.0377% | 5,057 |
| Retained earnings to average equity (ytd only) | -20.0377% | 4,963 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 189.7297% | 30 |
| Assets per employee ($millions) | 4.4820% | 3,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 3,685 |
| Loan loss allowance to noncurrent loans | 61.3636% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.0572% | 1,236 |
| Noncurrent loans to loans | 1.6361% | 942 |
| Net loans and leases to total assets | 63.9704% | 3,072 |
| Net loans and leases to deposits | 79.0939% | 2,766 |
| Net loans and leases to core deposits | 85.6083% | 2,715 |
| Total domestic deposits to total assets | 80.8791% | 3,692 |
| Equity capital to assets | 11.0579% | 2,811 |
| Core capital (leverage) ratio | 11.4108% | 2,147 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2787% | 832 |
| Memoranda: | ||
| Average total assets | $57,120,500 | 4,590 |
| Average earning assets | $49,356,500 | 4,650 |
| Average equity | $6,627,500 | 4,646 |
| Average total loans | $39,467,000 | 4,387 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3750% | 704 |
| Cost of funding earning assets | 1.9451% | 79 |
| Net interest margin | 3.4299% | 3,650 |
| Noninterest income to average assets | 0.1531% | 4,727 |
| Noninterest expense to average assets | 4.2692% | 388 |
| Loan and lease loss provision to assets | 0.3393% | 456 |
| Net operating income to assets | -1.5288% | 5,122 |
| Return on assets (ROA) | -1.5288% | 5,123 |
| Pretax return on assets | -1.5288% | 5,120 |
| Return on Equity (ROE) | -11.5027% | 5,129 |
| Retained earnings to average equity (ytd only) | -11.5027% | 5,083 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.6228% | 51 |
| Assets per employee ($millions) | 4.3058% | 3,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 3,896 |
| Loan loss allowance to noncurrent loans | 67.6208% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 0.9987% | 1,244 |
| Noncurrent loans to loans | 1.3541% | 1,100 |
| Net loans and leases to total assets | 73.0773% | 1,911 |
| Net loans and leases to deposits | 91.9792% | 1,371 |
| Net loans and leases to core deposits | 101.0050% | 1,484 |
| Total domestic deposits to total assets | 79.4498% | 4,090 |
| Equity capital to assets | 12.1697% | 2,034 |
| Core capital (leverage) ratio | 11.7016% | 1,959 |
| Tier 1 risk-based capital ratio | 18.8730% | 1,546 |
| Total risk-based capital ratio | 19.9375% | 1,555 |
| Memoranda: | ||
| Average total assets | $54,226,000 | 4,676 |
| Average earning assets | $46,269,400 | 4,746 |
| Average equity | $7,207,000 | 4,614 |
| Average total loans | $37,945,800 | 4,452 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3077% | 851 |
| Cost of funding earning assets | 1.9195% | 86 |
| Net interest margin | 3.3882% | 3,892 |
| Noninterest income to average assets | 0.1537% | 4,779 |
| Noninterest expense to average assets | 4.0999% | 473 |
| Loan and lease loss provision to assets | 0.4561% | 274 |
| Net operating income to assets | -1.5145% | 5,199 |
| Return on assets (ROA) | -1.5145% | 5,199 |
| Pretax return on assets | -1.5145% | 5,194 |
| Return on Equity (ROE) | -11.1508% | 5,205 |
| Retained earnings to average equity (ytd only) | -11.1508% | 5,155 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.8003% | 58 |
| Assets per employee ($millions) | 4.4192% | 3,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9134% | 3,990 |
| Loan loss allowance to noncurrent loans | 174.1935% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 2,991 |
| Noncurrent loans to loans | 0.5243% | 2,720 |
| Net loans and leases to total assets | 71.3786% | 2,269 |
| Net loans and leases to deposits | 91.7362% | 1,472 |
| Net loans and leases to core deposits | 101.8428% | 1,516 |
| Total domestic deposits to total assets | 77.8085% | 4,381 |
| Equity capital to assets | 12.2228% | 2,098 |
| Core capital (leverage) ratio | 12.5158% | 1,559 |
| Tier 1 risk-based capital ratio | 19.6751% | 1,424 |
| Total risk-based capital ratio | 20.7505% | 1,429 |
| Memoranda: | ||
| Average total assets | $53,788,750 | 4,754 |
| Average earning assets | $45,844,500 | 4,819 |
| Average equity | $7,305,750 | 4,654 |
| Average total loans | $37,111,500 | 4,531 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1837% | 1,009 |
| Cost of funding earning assets | 1.8907% | 89 |
| Net interest margin | 3.2930% | 4,162 |
| Noninterest income to average assets | 0.1522% | 4,819 |
| Noninterest expense to average assets | 4.2383% | 391 |
| Loan and lease loss provision to assets | 0.3120% | 433 |
| Net operating income to assets | -1.6017% | 5,252 |
| Return on assets (ROA) | -1.6017% | 5,253 |
| Pretax return on assets | -1.6017% | 5,248 |
| Return on Equity (ROE) | -11.3779% | 5,247 |
| Retained earnings to average equity (ytd only) | -11.3779% | 5,189 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.7419% | 44 |
| Assets per employee ($millions) | 4.3745% | 3,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 4,675 |
| Loan loss allowance to noncurrent loans | 121.0526% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4343% | 2,778 |
| Noncurrent loans to loans | 0.5930% | 2,494 |
| Net loans and leases to total assets | 72.7169% | 2,110 |
| Net loans and leases to deposits | 98.9219% | 755 |
| Net loans and leases to core deposits | 110.8330% | 932 |
| Total domestic deposits to total assets | 73.5094% | 4,866 |
| Equity capital to assets | 13.7216% | 1,233 |
| Core capital (leverage) ratio | 13.5052% | 1,114 |
| Tier 1 risk-based capital ratio | 20.5177% | 1,249 |
| Total risk-based capital ratio | 21.3151% | 1,312 |
| Memoranda: | ||
| Average total assets | $52,568,330 | 4,812 |
| Average earning assets | $44,640,000 | 4,878 |
| Average equity | $7,400,330 | 4,665 |
| Average total loans | $35,687,000 | 4,598 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 1,043 |
| Cost of funding earning assets | 1.8412% | 89 |
| Net interest margin | 3.2891% | 4,186 |
| Noninterest income to average assets | 0.1369% | 4,914 |
| Noninterest expense to average assets | 4.1669% | 426 |
| Loan and lease loss provision to assets | 0.2889% | 458 |
| Net operating income to assets | -1.5208% | 5,309 |
| Return on assets (ROA) | -1.5208% | 5,306 |
| Pretax return on assets | -1.5208% | 5,300 |
| Return on Equity (ROE) | -10.6681% | 5,299 |
| Retained earnings to average equity (ytd only) | -10.6681% | 5,131 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.9689% | 46 |
| Assets per employee ($millions) | 3.7682% | 4,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6497% | 4,853 |
| Loan loss allowance to noncurrent loans | 78.1145% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.5630% | 2,384 |
| Noncurrent loans to loans | 0.8317% | 1,977 |
| Net loans and leases to total assets | 67.2467% | 2,870 |
| Net loans and leases to deposits | 89.3917% | 1,700 |
| Net loans and leases to core deposits | 102.1480% | 1,456 |
| Total domestic deposits to total assets | 75.2270% | 4,837 |
| Equity capital to assets | 14.0119% | 1,034 |
| Core capital (leverage) ratio | 14.0300% | 943 |
| Tier 1 risk-based capital ratio | 22.2459% | 1,021 |
| Total risk-based capital ratio | 22.9509% | 1,066 |
| Memoranda: | ||
| Average total assets | $52,605,500 | 4,862 |
| Average earning assets | $44,754,500 | 4,924 |
| Average equity | $7,499,000 | 4,681 |
| Average total loans | $34,306,500 | 4,695 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 1,006 |
| Cost of funding earning assets | 1.4939% | 89 |
| Net interest margin | 3.5278% | 3,608 |
| Noninterest income to average assets | 1.1696% | 678 |
| Noninterest expense to average assets | 5.1153% | 191 |
| Loan and lease loss provision to assets | 0.1549% | 1,358 |
| Net operating income to assets | -1.1557% | 5,344 |
| Return on assets (ROA) | -1.1557% | 5,338 |
| Pretax return on assets | -1.1557% | 5,341 |
| Return on Equity (ROE) | -7.4801% | 5,330 |
| Retained earnings to average equity (ytd only) | -7.4801% | 5,286 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.3243% | 51 |
| Assets per employee ($millions) | 3.4971% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5896% | 4,988 |
| Loan loss allowance to noncurrent loans | 79.8354% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 2,710 |
| Noncurrent loans to loans | 0.7385% | 2,150 |
| Net loans and leases to total assets | 62.3589% | 3,529 |
| Net loans and leases to deposits | 83.4209% | 2,578 |
| Net loans and leases to core deposits | 92.3309% | 2,383 |
| Total domestic deposits to total assets | 74.7522% | 4,896 |
| Equity capital to assets | 14.4998% | 837 |
| Core capital (leverage) ratio | 14.5909% | 776 |
| Tier 1 risk-based capital ratio | 23.6401% | 855 |
| Total risk-based capital ratio | 24.2504% | 888 |
| Memoranda: | ||
| Average total assets | $50,359,000 | 4,925 |
| Average earning assets | $42,037,400 | 5,013 |
| Average equity | $7,780,600 | 4,636 |
| Average total loans | $31,430,600 | 4,783 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8346% | 1,331 |
| Cost of funding earning assets | 1.4108% | 95 |
| Net interest margin | 3.4238% | 3,932 |
| Noninterest income to average assets | 0.5752% | 2,450 |
| Noninterest expense to average assets | 5.0512% | 196 |
| Loan and lease loss provision to assets | 0.1873% | 961 |
| Net operating income to assets | -1.8193% | 5,443 |
| Return on assets (ROA) | -1.8193% | 5,440 |
| Pretax return on assets | -1.8193% | 5,438 |
| Return on Equity (ROE) | -11.5876% | 5,427 |
| Retained earnings to average equity (ytd only) | -11.5876% | 5,401 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 147.7308% | 27 |
| Assets per employee ($millions) | 2.9453% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5704% | 5,090 |
| Loan loss allowance to noncurrent loans | 74.4000% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 2,797 |
| Noncurrent loans to loans | 0.7667% | 2,173 |
| Net loans and leases to total assets | 61.1514% | 3,735 |
| Net loans and leases to deposits | 81.3347% | 2,888 |
| Net loans and leases to core deposits | 87.2514% | 2,898 |
| Total domestic deposits to total assets | 75.1848% | 4,865 |
| Equity capital to assets | 14.0599% | 941 |
| Core capital (leverage) ratio | 14.0709% | 919 |
| Tier 1 risk-based capital ratio | 23.3180% | 913 |
| Total risk-based capital ratio | 23.9064% | 954 |
| Memoranda: | ||
| Average total assets | $49,834,750 | 4,990 |
| Average earning assets | $41,395,000 | 5,087 |
| Average equity | $7,824,250 | 4,680 |
| Average total loans | $31,062,000 | 4,845 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 1,169 |
| Cost of funding earning assets | 1.3202% | 107 |
| Net interest margin | 3.5122% | 3,594 |
| Noninterest income to average assets | 0.8570% | 1,296 |
| Noninterest expense to average assets | 5.0149% | 211 |
| Loan and lease loss provision to assets | 0.2870% | 487 |
| Net operating income to assets | -1.5541% | 5,496 |
| Return on assets (ROA) | -1.5541% | 5,490 |
| Pretax return on assets | -1.5541% | 5,487 |
| Return on Equity (ROE) | -9.5374% | 5,472 |
| Retained earnings to average equity (ytd only) | -9.5374% | 5,411 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.8074% | 44 |
| Assets per employee ($millions) | 3.6916% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5562% | 5,184 |
| Loan loss allowance to noncurrent loans | 54.7059% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 2,263 |
| Noncurrent loans to loans | 1.0167% | 1,731 |
| Net loans and leases to total assets | 64.3474% | 3,360 |
| Net loans and leases to deposits | 86.9802% | 2,226 |
| Net loans and leases to core deposits | 92.3778% | 2,370 |
| Total domestic deposits to total assets | 73.9793% | 5,045 |
| Equity capital to assets | 15.0284% | 678 |
| Core capital (leverage) ratio | 15.1750% | 635 |
| Tier 1 risk-based capital ratio | 23.7931% | 856 |
| Total risk-based capital ratio | 24.3702% | 905 |
| Memoranda: | ||
| Average total assets | $48,774,330 | 5,074 |
| Average earning assets | $40,145,670 | 5,165 |
| Average equity | $7,947,670 | 4,703 |
| Average total loans | $30,547,330 | 4,913 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 1,281 |
| Cost of funding earning assets | 1.2090% | 138 |
| Net interest margin | 3.5029% | 3,526 |
| Noninterest income to average assets | 0.0423% | 5,490 |
| Noninterest expense to average assets | 5.1901% | 197 |
| Loan and lease loss provision to assets | 0.2029% | 822 |
| Net operating income to assets | -2.4852% | 5,580 |
| Return on assets (ROA) | -2.4852% | 5,578 |
| Pretax return on assets | -2.4852% | 5,576 |
| Return on Equity (ROE) | -14.6305% | 5,558 |
| Retained earnings to average equity (ytd only) | -14.6305% | 5,451 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.4884% | 20 |
| Assets per employee ($millions) | 3.2023% | 4,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4574% | 5,383 |
| Loan loss allowance to noncurrent loans | 38.4615% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7578% | 2,056 |
| Noncurrent loans to loans | 1.1892% | 1,536 |
| Net loans and leases to total assets | 63.4308% | 3,376 |
| Net loans and leases to deposits | 88.3390% | 1,891 |
| Net loans and leases to core deposits | 90.6788% | 2,398 |
| Total domestic deposits to total assets | 71.8039% | 5,295 |
| Equity capital to assets | 16.4172% | 450 |
| Core capital (leverage) ratio | 16.6183% | 421 |
| Tier 1 risk-based capital ratio | 25.5864% | 716 |
| Total risk-based capital ratio | 26.0463% | 751 |
| Memoranda: | ||
| Average total assets | $47,320,500 | 5,161 |
| Average earning assets | $38,711,000 | 5,245 |
| Average equity | $8,038,000 | 4,737 |
| Average total loans | $29,100,000 | 4,988 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2621% | 393 |
| Cost of funding earning assets | 0.8832% | 412 |
| Net interest margin | 4.3788% | 812 |
| Noninterest income to average assets | 1.8318% | 337 |
| Noninterest expense to average assets | 6.7074% | 126 |
| Loan and lease loss provision to assets | 0.2663% | 678 |
| Net operating income to assets | -1.6482% | 5,629 |
| Return on assets (ROA) | -1.6482% | 5,629 |
| Pretax return on assets | -1.6482% | 5,637 |
| Return on Equity (ROE) | -8.3773% | 5,579 |
| Retained earnings to average equity (ytd only) | -8.3773% | 5,507 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.9483% | 49 |
| Assets per employee ($millions) | 2.9129% | 5,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4204% | 5,469 |
| Loan loss allowance to noncurrent loans | 110.4762% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 4,010 |
| Noncurrent loans to loans | 0.3806% | 3,391 |
| Net loans and leases to total assets | 58.9516% | 3,928 |
| Net loans and leases to deposits | 83.7525% | 2,519 |
| Net loans and leases to core deposits | 86.0800% | 2,904 |
| Total domestic deposits to total assets | 70.3879% | 5,392 |
| Equity capital to assets | 17.5728% | 353 |
| Core capital (leverage) ratio | 18.2408% | 280 |
| Tier 1 risk-based capital ratio | 28.3148% | 525 |
| Total risk-based capital ratio | 28.7202% | 561 |
| Memoranda: | ||
| Average total assets | $43,563,600 | 5,279 |
| Average earning assets | $34,758,200 | 5,354 |
| Average equity | $8,570,800 | 4,694 |
| Average total loans | $26,155,400 | 5,124 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5097% | 250 |
| Cost of funding earning assets | 0.8214% | 509 |
| Net interest margin | 4.6884% | 417 |
| Noninterest income to average assets | 1.9624% | 318 |
| Noninterest expense to average assets | 7.2143% | 111 |
| Loan and lease loss provision to assets | 0.2492% | 694 |
| Net operating income to assets | -1.7849% | 5,703 |
| Return on assets (ROA) | -1.7849% | 5,703 |
| Pretax return on assets | -1.7849% | 5,703 |
| Return on Equity (ROE) | -8.8158% | 5,664 |
| Retained earnings to average equity (ytd only) | -8.8158% | 5,602 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.0433% | 54 |
| Assets per employee ($millions) | 2.7168% | 5,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2964% | 5,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 61.9076% | 3,661 |
| Net loans and leases to deposits | 91.5929% | 1,615 |
| Net loans and leases to core deposits | 93.6098% | 2,301 |
| Total domestic deposits to total assets | 67.5900% | 5,548 |
| Equity capital to assets | 19.1773% | 266 |
| Core capital (leverage) ratio | 18.4781% | 277 |
| Tier 1 risk-based capital ratio | 31.4957% | 428 |
| Total risk-based capital ratio | 31.8013% | 452 |
| Memoranda: | ||
| Average total assets | $42,803,000 | 5,350 |
| Average earning assets | $33,927,000 | 5,425 |
| Average equity | $8,666,000 | 4,718 |
| Average total loans | $25,796,500 | 5,182 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6230% | 204 |
| Cost of funding earning assets | 0.7481% | 694 |
| Net interest margin | 4.8748% | 272 |
| Noninterest income to average assets | 2.5880% | 218 |
| Noninterest expense to average assets | 7.3882% | 114 |
| Loan and lease loss provision to assets | 0.3758% | 373 |
| Net operating income to assets | -1.3198% | 5,736 |
| Return on assets (ROA) | -1.3198% | 5,735 |
| Pretax return on assets | -1.3198% | 5,734 |
| Return on Equity (ROE) | -6.4038% | 5,695 |
| Retained earnings to average equity (ytd only) | -6.4038% | 5,575 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.6501% | 83 |
| Assets per employee ($millions) | 2.7425% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2958% | 5,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 61.4426% | 3,695 |
| Net loans and leases to deposits | 91.4180% | 1,564 |
| Net loans and leases to core deposits | 93.9113% | 2,161 |
| Total domestic deposits to total assets | 67.2106% | 5,614 |
| Equity capital to assets | 19.6627% | 235 |
| Core capital (leverage) ratio | 19.4231% | 222 |
| Tier 1 risk-based capital ratio | 32.8406% | 375 |
| Total risk-based capital ratio | 33.1486% | 401 |
| Memoranda: | ||
| Average total assets | $42,581,330 | 5,397 |
| Average earning assets | $33,683,330 | 5,478 |
| Average equity | $8,776,000 | 4,723 |
| Average total loans | $25,398,670 | 5,238 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0305% | 118 |
| Cost of funding earning assets | 0.7038% | 831 |
| Net interest margin | 5.3268% | 130 |
| Noninterest income to average assets | 0.8776% | 1,313 |
| Noninterest expense to average assets | 5.7808% | 173 |
| Loan and lease loss provision to assets | 0.4293% | 251 |
| Net operating income to assets | -1.1447% | 5,786 |
| Return on assets (ROA) | -1.1447% | 5,787 |
| Pretax return on assets | -1.1447% | 5,779 |
| Return on Equity (ROE) | -5.4237% | 5,741 |
| Retained earnings to average equity (ytd only) | -5.4237% | 5,414 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1243% | 90 |
| Assets per employee ($millions) | 2.8367% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1788% | 5,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.0505% | 3,879 |
| Net loans and leases to deposits | 89.3560% | 1,623 |
| Net loans and leases to core deposits | 92.6953% | 2,100 |
| Total domestic deposits to total assets | 66.0846% | 5,711 |
| Equity capital to assets | 20.6580% | 187 |
| Core capital (leverage) ratio | 20.8532% | 171 |
| Tier 1 risk-based capital ratio | 35.8196% | 309 |
| Total risk-based capital ratio | 36.0044% | 326 |
| Memoranda: | ||
| Average total assets | $41,932,000 | 5,468 |
| Average earning assets | $32,965,500 | 5,555 |
| Average equity | $8,850,000 | 4,743 |
| Average total loans | $24,577,500 | 5,316 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 4,484 |
| Cost of funding earning assets | 0.7193% | 744 |
| Net interest margin | 2.8894% | 5,160 |
| Noninterest income to average assets | -0.2632% | 5,903 |
| Noninterest expense to average assets | 4.4311% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -2.4562% | 5,886 |
| Return on assets (ROA) | -2.4562% | 5,886 |
| Pretax return on assets | -2.4562% | 5,884 |
| Return on Equity (ROE) | -13.1469% | 5,851 |
| Retained earnings to average equity (ytd only) | -13.1469% | 5,812 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 224.3697% | 12 |
| Assets per employee ($millions) | 2.7543% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 2,719 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 58.0530% | 4,061 |
| Net loans and leases to deposits | 89.5059% | 1,737 |
| Net loans and leases to core deposits | 94.0844% | 2,098 |
| Total domestic deposits to total assets | 64.8594% | 5,776 |
| Equity capital to assets | 21.5665% | 160 |
| Core capital (leverage) ratio | 22.0214% | 137 |
| Tier 1 risk-based capital ratio | 38.9387% | 238 |
| Total risk-based capital ratio | 38.9387% | 257 |
| Memoranda: | ||
| Average total assets | $42,178,800 | 5,506 |
| Average earning assets | $32,671,400 | 5,612 |
| Average equity | $7,880,200 | 4,953 |
| Average total loans | $25,867,600 | 5,320 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9528% | 652 |
| Cost of funding earning assets | 0.8509% | 380 |
| Net interest margin | 4.1019% | 1,379 |
| Noninterest income to average assets | 0.1970% | 5,283 |
| Noninterest expense to average assets | 6.2104% | 157 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -2.6979% | 5,956 |
| Return on assets (ROA) | -2.6979% | 5,957 |
| Pretax return on assets | -2.6979% | 5,956 |
| Return on Equity (ROE) | -20.9583% | 5,945 |
| Retained earnings to average equity (ytd only) | -20.9583% | 5,918 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.8061% | 21 |
| Assets per employee ($millions) | 2.9244% | 5,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1541% | 157 |
| Loan loss allowance to noncurrent loans | 1,247.0588% | 472 |
| Noncurrent assets plus other real estate owned to assets | 3.3072% | 318 |
| Noncurrent loans to loans | 0.2529% | 4,360 |
| Net loans and leases to total assets | 63.5988% | 3,453 |
| Net loans and leases to deposits | 89.1743% | 1,861 |
| Net loans and leases to core deposits | 95.1160% | 2,088 |
| Total domestic deposits to total assets | 71.3197% | 5,628 |
| Equity capital to assets | 14.7920% | 792 |
| Core capital (leverage) ratio | 14.7459% | 679 |
| Tier 1 risk-based capital ratio | 26.6620% | 667 |
| Total risk-based capital ratio | 27.9387% | 649 |
| Memoranda: | ||
| Average total assets | $39,931,750 | 5,599 |
| Average earning assets | $32,277,000 | 5,680 |
| Average equity | $5,140,250 | 5,500 |
| Average total loans | $26,523,750 | 5,360 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0431% | 543 |
| Cost of funding earning assets | 0.8926% | 303 |
| Net interest margin | 4.1505% | 1,226 |
| Noninterest income to average assets | 0.2728% | 4,830 |
| Noninterest expense to average assets | 6.4351% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -2.8741% | 6,031 |
| Return on assets (ROA) | -2.8741% | 6,032 |
| Pretax return on assets | -2.8741% | 6,029 |
| Return on Equity (ROE) | -23.5367% | 6,017 |
| Retained earnings to average equity (ytd only) | -23.5367% | 5,988 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 180.7092% | 23 |
| Assets per employee ($millions) | 2.7175% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1800% | 163 |
| Loan loss allowance to noncurrent loans | 1,228.9855% | 500 |
| Noncurrent assets plus other real estate owned to assets | 3.3241% | 339 |
| Noncurrent loans to loans | 0.2587% | 4,429 |
| Net loans and leases to total assets | 63.3393% | 3,459 |
| Net loans and leases to deposits | 89.6026% | 1,796 |
| Net loans and leases to core deposits | 96.8418% | 1,904 |
| Total domestic deposits to total assets | 70.6891% | 5,748 |
| Equity capital to assets | 15.4429% | 638 |
| Core capital (leverage) ratio | 15.1760% | 576 |
| Tier 1 risk-based capital ratio | 27.8824% | 601 |
| Total risk-based capital ratio | 29.1624% | 586 |
| Memoranda: | ||
| Average total assets | $39,595,330 | 5,668 |
| Average earning assets | $31,369,670 | 5,767 |
| Average equity | $4,835,000 | 5,607 |
| Average total loans | $26,403,000 | 5,421 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2982% | 357 |
| Cost of funding earning assets | 0.9572% | 218 |
| Net interest margin | 4.3410% | 844 |
| Noninterest income to average assets | 0.5127% | 3,034 |
| Noninterest expense to average assets | 6.4289% | 153 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -2.6146% | 6,089 |
| Return on assets (ROA) | -2.6146% | 6,088 |
| Pretax return on assets | -2.6146% | 6,085 |
| Return on Equity (ROE) | -24.8477% | 6,078 |
| Retained earnings to average equity (ytd only) | -24.8477% | 6,001 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.5484% | 34 |
| Assets per employee ($millions) | 2.7616% | 5,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2451% | 175 |
| Loan loss allowance to noncurrent loans | 526.7081% | 978 |
| Noncurrent assets plus other real estate owned to assets | 4.5119% | 198 |
| Noncurrent loans to loans | 0.6161% | 3,326 |
| Net loans and leases to total assets | 61.0371% | 3,645 |
| Net loans and leases to deposits | 86.6811% | 1,987 |
| Net loans and leases to core deposits | 92.6222% | 2,131 |
| Total domestic deposits to total assets | 70.4157% | 5,851 |
| Equity capital to assets | 15.9545% | 541 |
| Core capital (leverage) ratio | 18.1831% | 284 |
| Tier 1 risk-based capital ratio | 27.8227% | 621 |
| Total risk-based capital ratio | 29.0983% | 604 |
| Memoranda: | ||
| Average total assets | $39,011,500 | 5,732 |
| Average earning assets | $29,670,500 | 5,857 |
| Average equity | $4,105,000 | 5,792 |
| Average total loans | $26,271,000 | 5,473 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 534 |
| Cost of funding earning assets | 0.9807% | 193 |
| Net interest margin | 4.1026% | 1,410 |
| Noninterest income to average assets | -0.0940% | 6,144 |
| Noninterest expense to average assets | 6.4014% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -3.0498% | 6,163 |
| Return on assets (ROA) | -3.0498% | 6,164 |
| Pretax return on assets | -3.0498% | 6,163 |
| Return on Equity (ROE) | -55.4406% | 6,172 |
| Retained earnings to average equity (ytd only) | -55.4406% | 6,171 |
| Net charge-offs to loans | -0.4624% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 190.9963% | 15 |
| Assets per employee ($millions) | 2.6142% | 5,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2109% | 174 |
| Loan loss allowance to noncurrent loans | 510.8434% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 5.3963% | 156 |
| Noncurrent loans to loans | 0.6285% | 3,300 |
| Net loans and leases to total assets | 69.8434% | 2,392 |
| Net loans and leases to deposits | 87.0255% | 2,000 |
| Net loans and leases to core deposits | 92.9358% | 2,138 |
| Total domestic deposits to total assets | 80.2563% | 4,682 |
| Equity capital to assets | 4.3744% | 6,155 |
| Core capital (leverage) ratio | 4.2256% | 6,154 |
| Tier 1 risk-based capital ratio | 6.9606% | 6,148 |
| Total risk-based capital ratio | 8.2388% | 6,147 |
| Memoranda: | ||
| Average total assets | $40,428,400 | 5,757 |
| Average earning assets | $33,953,800 | 5,813 |
| Average equity | $2,224,000 | 6,075 |
| Average total loans | $28,329,000 | 5,428 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 669 |
| Cost of funding earning assets | 0.9863% | 193 |
| Net interest margin | 3.9759% | 1,783 |
| Noninterest income to average assets | 0.0548% | 6,077 |
| Noninterest expense to average assets | 6.3402% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -2.9220% | 6,242 |
| Return on assets (ROA) | -2.9220% | 6,243 |
| Pretax return on assets | -2.9220% | 6,242 |
| Return on Equity (ROE) | -50.8163% | 6,256 |
| Retained earnings to average equity (ytd only) | -50.8163% | 6,253 |
| Net charge-offs to loans | -0.0509% | 5,555 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 185.4854% | 20 |
| Assets per employee ($millions) | 2.6056% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6400% | 358 |
| Loan loss allowance to noncurrent loans | 288.8889% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 4.3905% | 251 |
| Noncurrent loans to loans | 0.9138% | 2,694 |
| Net loans and leases to total assets | 68.6931% | 2,583 |
| Net loans and leases to deposits | 85.3157% | 2,236 |
| Net loans and leases to core deposits | 90.6904% | 2,389 |
| Total domestic deposits to total assets | 80.5163% | 4,599 |
| Equity capital to assets | 4.9278% | 6,230 |
| Core capital (leverage) ratio | 4.6737% | 6,235 |
| Tier 1 risk-based capital ratio | 8.3135% | 6,213 |
| Total risk-based capital ratio | 9.5869% | 6,214 |
| Memoranda: | ||
| Average total assets | $41,385,750 | 5,808 |
| Average earning assets | $35,010,250 | 5,866 |
| Average equity | $2,379,750 | 6,146 |
| Average total loans | $28,808,750 | 5,474 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9704% | 623 |
| Cost of funding earning assets | 0.9840% | 194 |
| Net interest margin | 3.9864% | 1,680 |
| Noninterest income to average assets | 0.0617% | 6,138 |
| Noninterest expense to average assets | 6.3578% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -2.9132% | 6,319 |
| Return on assets (ROA) | -2.9132% | 6,320 |
| Pretax return on assets | -2.9132% | 6,319 |
| Return on Equity (ROE) | -48.5184% | 6,330 |
| Retained earnings to average equity (ytd only) | -48.5184% | 6,322 |
| Net charge-offs to loans | -0.0753% | 5,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.5730% | 22 |
| Assets per employee ($millions) | 2.7888% | 5,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5612% | 454 |
| Loan loss allowance to noncurrent loans | 288.8889% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 4.1021% | 316 |
| Noncurrent loans to loans | 0.8866% | 2,913 |
| Net loans and leases to total assets | 66.2077% | 2,915 |
| Net loans and leases to deposits | 84.0801% | 2,303 |
| Net loans and leases to core deposits | 89.1177% | 2,437 |
| Total domestic deposits to total assets | 78.7435% | 5,151 |
| Equity capital to assets | 5.3046% | 6,292 |
| Core capital (leverage) ratio | 5.2461% | 6,292 |
| Tier 1 risk-based capital ratio | 9.3502% | 6,217 |
| Total risk-based capital ratio | 10.6186% | 6,202 |
| Memoranda: | ||
| Average total assets | $42,153,000 | 5,858 |
| Average earning assets | $35,771,670 | 5,912 |
| Average equity | $2,531,000 | 6,204 |
| Average total loans | $29,219,670 | 5,506 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1343% | 460 |
| Cost of funding earning assets | 0.9912% | 194 |
| Net interest margin | 4.1431% | 1,177 |
| Noninterest income to average assets | 0.0662% | 6,188 |
| Noninterest expense to average assets | 6.3620% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -2.7793% | 6,383 |
| Return on assets (ROA) | -2.7793% | 6,385 |
| Pretax return on assets | -2.7793% | 6,383 |
| Return on Equity (ROE) | -43.7663% | 6,397 |
| Retained earnings to average equity (ytd only) | -43.7663% | 6,379 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.5726% | 28 |
| Assets per employee ($millions) | 2.7915% | 5,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4394% | 581 |
| Loan loss allowance to noncurrent loans | 284.5238% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 4.0982% | 365 |
| Noncurrent loans to loans | 0.8573% | 3,102 |
| Net loans and leases to total assets | 68.4849% | 2,370 |
| Net loans and leases to deposits | 87.7237% | 1,644 |
| Net loans and leases to core deposits | 93.0133% | 1,850 |
| Total domestic deposits to total assets | 78.0689% | 5,438 |
| Equity capital to assets | 6.0661% | 6,330 |
| Core capital (leverage) ratio | 5.9333% | 6,332 |
| Tier 1 risk-based capital ratio | 10.4859% | 6,017 |
| Total risk-based capital ratio | 11.7533% | 5,959 |
| Memoranda: | ||
| Average total assets | $42,313,500 | 5,912 |
| Average earning assets | $35,915,000 | 5,965 |
| Average equity | $2,687,000 | 6,245 |
| Average total loans | $29,617,500 | 5,531 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4961% | 316 |
| Cost of funding earning assets | 1.0212% | 205 |
| Net interest margin | 4.4749% | 783 |
| Noninterest income to average assets | 0.2835% | 5,092 |
| Noninterest expense to average assets | 5.7222% | 210 |
| Loan and lease loss provision to assets | -0.9773% | 6,489 |
| Net operating income to assets | -0.6515% | 6,327 |
| Return on assets (ROA) | -0.6515% | 6,323 |
| Pretax return on assets | -0.6515% | 6,313 |
| Return on Equity (ROE) | -9.7185% | 6,360 |
| Retained earnings to average equity (ytd only) | -9.7185% | 6,309 |
| Net charge-offs to loans | 0.1727% | 2,302 |
| Credit loss provision to net charge-offs | -783.0508% | 5,864 |
| Earnings coverage of net charge-offs (x) | -13.0508% | 4,925 |
| Efficiency ratio | 139.7933% | 70 |
| Assets per employee ($millions) | 2.6722% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4027% | 622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.4242% | 551 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 68.1207% | 2,539 |
| Net loans and leases to deposits | 87.5729% | 1,783 |
| Net loans and leases to core deposits | 92.4427% | 2,042 |
| Total domestic deposits to total assets | 77.7874% | 5,471 |
| Equity capital to assets | 6.6285% | 6,366 |
| Core capital (leverage) ratio | 6.6285% | 6,355 |
| Tier 1 risk-based capital ratio | 11.4839% | 5,672 |
| Total risk-based capital ratio | 12.7563% | 5,575 |
| Memoranda: | ||
| Average total assets | $47,272,400 | 5,851 |
| Average earning assets | $40,246,600 | 5,912 |
| Average equity | $3,169,200 | 6,237 |
| Average total loans | $34,168,200 | 5,390 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6295% | 257 |
| Cost of funding earning assets | 1.0218% | 227 |
| Net interest margin | 4.6077% | 609 |
| Noninterest income to average assets | 0.3581% | 4,570 |
| Noninterest expense to average assets | 5.6388% | 215 |
| Loan and lease loss provision to assets | -1.2726% | 6,579 |
| Net operating income to assets | -0.0826% | 6,209 |
| Return on assets (ROA) | -0.0826% | 6,212 |
| Pretax return on assets | -0.0826% | 6,190 |
| Return on Equity (ROE) | -1.2296% | 6,244 |
| Retained earnings to average equity (ytd only) | -1.2296% | 5,995 |
| Net charge-offs to loans | 0.2232% | 1,704 |
| Credit loss provision to net charge-offs | -783.0508% | 5,828 |
| Earnings coverage of net charge-offs (x) | -8.3394% | 4,627 |
| Efficiency ratio | 131.6399% | 89 |
| Assets per employee ($millions) | 2.8789% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1637% | 998 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1783% | 713 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 70.3834% | 2,134 |
| Net loans and leases to deposits | 89.4468% | 1,482 |
| Net loans and leases to core deposits | 95.2437% | 1,737 |
| Total domestic deposits to total assets | 78.6874% | 5,394 |
| Equity capital to assets | 6.7561% | 6,417 |
| Core capital (leverage) ratio | 6.7561% | 6,411 |
| Tier 1 risk-based capital ratio | 11.5409% | 5,770 |
| Total risk-based capital ratio | 12.8092% | 5,686 |
| Memoranda: | ||
| Average total assets | $48,401,750 | 5,893 |
| Average earning assets | $41,234,000 | 5,962 |
| Average equity | $3,253,000 | 6,295 |
| Average total loans | $35,249,750 | 5,408 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9132% | 167 |
| Cost of funding earning assets | 1.0325% | 217 |
| Net interest margin | 4.8807% | 355 |
| Noninterest income to average assets | 0.5043% | 3,454 |
| Noninterest expense to average assets | 5.6281% | 218 |
| Loan and lease loss provision to assets | -1.8787% | 6,651 |
| Net operating income to assets | 0.9068% | 2,769 |
| Return on assets (ROA) | 0.9068% | 2,871 |
| Pretax return on assets | 0.9068% | 3,868 |
| Return on Equity (ROE) | 13.5152% | 1,052 |
| Retained earnings to average equity (ytd only) | 13.5152% | 291 |
| Net charge-offs to loans | -0.1335% | 6,230 |
| Credit loss provision to net charge-offs | 1,925.0000% | 195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.8734% | 136 |
| Assets per employee ($millions) | 2.8342% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3465% | 854 |
| Loan loss allowance to noncurrent loans | 113.7980% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 5.7720% | 276 |
| Noncurrent loans to loans | 2.0620% | 1,627 |
| Net loans and leases to total assets | 69.0999% | 2,223 |
| Net loans and leases to deposits | 87.3122% | 1,673 |
| Net loans and leases to core deposits | 92.7692% | 1,879 |
| Total domestic deposits to total assets | 79.1412% | 5,429 |
| Equity capital to assets | 6.9820% | 6,445 |
| Core capital (leverage) ratio | 6.9820% | 6,433 |
| Tier 1 risk-based capital ratio | 11.8593% | 5,616 |
| Total risk-based capital ratio | 13.1284% | 5,530 |
| Memoranda: | ||
| Average total assets | $49,181,670 | 5,920 |
| Average earning assets | $41,838,330 | 6,006 |
| Average equity | $3,300,000 | 6,334 |
| Average total loans | $35,954,000 | 5,421 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7099% | 84 |
| Cost of funding earning assets | 1.0366% | 231 |
| Net interest margin | 5.6732% | 102 |
| Noninterest income to average assets | 0.1691% | 5,961 |
| Noninterest expense to average assets | 5.0884% | 302 |
| Loan and lease loss provision to assets | -2.1094% | 6,721 |
| Net operating income to assets | 2.0370% | 318 |
| Return on assets (ROA) | 2.0370% | 330 |
| Pretax return on assets | 2.0370% | 495 |
| Return on Equity (ROE) | 30.9670% | 61 |
| Retained earnings to average equity (ytd only) | 30.9670% | 37 |
| Net charge-offs to loans | -0.6724% | 6,587 |
| Credit loss provision to net charge-offs | 422.5806% | 627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4446% | 438 |
| Assets per employee ($millions) | 2.9303% | 5,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8760% | 498 |
| Loan loss allowance to noncurrent loans | 84.8733% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 6.5703% | 244 |
| Noncurrent loans to loans | 3.3886% | 883 |
| Net loans and leases to total assets | 70.3684% | 1,823 |
| Net loans and leases to deposits | 88.1263% | 1,347 |
| Net loans and leases to core deposits | 94.1325% | 1,541 |
| Total domestic deposits to total assets | 79.8494% | 5,516 |
| Equity capital to assets | 6.8132% | 6,485 |
| Core capital (leverage) ratio | 6.8132% | 6,505 |
| Tier 1 risk-based capital ratio | 11.5309% | 5,898 |
| Total risk-based capital ratio | 12.8083% | 5,833 |
| Memoranda: | ||
| Average total assets | $49,682,000 | 5,973 |
| Average earning assets | $42,445,000 | 6,045 |
| Average equity | $3,268,000 | 6,396 |
| Average total loans | $36,884,500 | 5,435 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3955% | 438 |
| Cost of funding earning assets | 1.2226% | 155 |
| Net interest margin | 4.1729% | 1,437 |
| Noninterest income to average assets | -1.0833% | 6,807 |
| Noninterest expense to average assets | 4.7360% | 431 |
| Loan and lease loss provision to assets | -0.3581% | 6,704 |
| Net operating income to assets | -1.9105% | 6,705 |
| Return on assets (ROA) | -1.9105% | 6,705 |
| Pretax return on assets | -1.9105% | 6,701 |
| Return on Equity (ROE) | -29.9837% | 6,725 |
| Retained earnings to average equity (ytd only) | -29.9837% | 6,718 |
| Net charge-offs to loans | 0.5912% | 1,118 |
| Credit loss provision to net charge-offs | -81.9672% | 5,843 |
| Earnings coverage of net charge-offs (x) | -5.1926% | 5,397 |
| Efficiency ratio | 191.9448% | 33 |
| Assets per employee ($millions) | 2.9146% | 5,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2858% | 340 |
| Loan loss allowance to noncurrent loans | 60.5379% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 8.2645% | 177 |
| Noncurrent loans to loans | 5.4277% | 423 |
| Net loans and leases to total assets | 73.5413% | 1,428 |
| Net loans and leases to deposits | 91.8808% | 1,067 |
| Net loans and leases to core deposits | 99.8958% | 1,167 |
| Total domestic deposits to total assets | 80.0400% | 5,437 |
| Equity capital to assets | 6.3412% | 6,585 |
| Core capital (leverage) ratio | 6.3412% | 6,616 |
| Tier 1 risk-based capital ratio | 10.1980% | 6,457 |
| Total risk-based capital ratio | 11.4833% | 6,406 |
| Memoranda: | ||
| Average total assets | $55,849,200 | 5,877 |
| Average earning assets | $47,520,800 | 5,951 |
| Average equity | $3,558,600 | 6,424 |
| Average total loans | $41,270,400 | 5,296 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8387% | 1,265 |
| Cost of funding earning assets | 1.2384% | 169 |
| Net interest margin | 3.6004% | 3,445 |
| Noninterest income to average assets | -1.0448% | 6,885 |
| Noninterest expense to average assets | 4.6878% | 446 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -2.6748% | 6,827 |
| Return on assets (ROA) | -2.6748% | 6,829 |
| Pretax return on assets | -2.6748% | 6,826 |
| Return on Equity (ROE) | -41.9346% | 6,851 |
| Retained earnings to average equity (ytd only) | -41.9346% | 6,848 |
| Net charge-offs to loans | 0.4142% | 1,555 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -8.7940% | 5,160 |
| Efficiency ratio | 232.8720% | 19 |
| Assets per employee ($millions) | 3.1531% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9245% | 255 |
| Loan loss allowance to noncurrent loans | 48.3780% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 10.1060% | 135 |
| Noncurrent loans to loans | 8.1121% | 218 |
| Net loans and leases to total assets | 70.8369% | 1,809 |
| Net loans and leases to deposits | 86.7549% | 1,517 |
| Net loans and leases to core deposits | 96.2606% | 1,372 |
| Total domestic deposits to total assets | 81.6518% | 5,044 |
| Equity capital to assets | 5.7031% | 6,719 |
| Core capital (leverage) ratio | 5.7031% | 6,746 |
| Tier 1 risk-based capital ratio | 9.2541% | 6,703 |
| Total risk-based capital ratio | 10.5467% | 6,686 |
| Memoranda: | ||
| Average total assets | $57,424,250 | 5,887 |
| Average earning assets | $48,771,750 | 5,995 |
| Average equity | $3,662,750 | 6,478 |
| Average total loans | $42,168,750 | 5,306 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 1,266 |
| Cost of funding earning assets | 1.2546% | 173 |
| Net interest margin | 3.5749% | 3,467 |
| Noninterest income to average assets | -1.1108% | 6,929 |
| Noninterest expense to average assets | 4.6782% | 455 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -2.7599% | 6,889 |
| Return on assets (ROA) | -2.7599% | 6,892 |
| Pretax return on assets | -2.7599% | 6,887 |
| Return on Equity (ROE) | -41.9182% | 6,894 |
| Retained earnings to average equity (ytd only) | -41.9182% | 6,888 |
| Net charge-offs to loans | 0.2927% | 2,017 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -12.8571% | 4,868 |
| Efficiency ratio | 243.8721% | 19 |
| Assets per employee ($millions) | 3.5052% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9861% | 258 |
| Loan loss allowance to noncurrent loans | 44.1144% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 11.1674% | 121 |
| Noncurrent loans to loans | 9.0358% | 198 |
| Net loans and leases to total assets | 69.5344% | 1,962 |
| Net loans and leases to deposits | 86.8163% | 1,477 |
| Net loans and leases to core deposits | 97.3659% | 1,259 |
| Total domestic deposits to total assets | 80.0938% | 5,583 |
| Equity capital to assets | 6.0607% | 6,736 |
| Core capital (leverage) ratio | 6.0607% | 6,748 |
| Tier 1 risk-based capital ratio | 9.8413% | 6,668 |
| Total risk-based capital ratio | 11.1327% | 6,638 |
| Memoranda: | ||
| Average total assets | $58,698,330 | 5,888 |
| Average earning assets | $49,735,670 | 6,003 |
| Average equity | $3,864,670 | 6,480 |
| Average total loans | $43,051,330 | 5,298 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 1,163 |
| Cost of funding earning assets | 1.2643% | 179 |
| Net interest margin | 3.6031% | 3,248 |
| Noninterest income to average assets | 0.0600% | 6,699 |
| Noninterest expense to average assets | 4.5862% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.4865% | 6,880 |
| Return on assets (ROA) | -1.4865% | 6,885 |
| Pretax return on assets | -1.4865% | 6,875 |
| Return on Equity (ROE) | -21.7694% | 6,907 |
| Retained earnings to average equity (ytd only) | -21.7694% | 6,850 |
| Net charge-offs to loans | 0.2440% | 1,991 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -8.2593% | 4,097 |
| Efficiency ratio | 147.9570% | 94 |
| Assets per employee ($millions) | 3.7151% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8322% | 325 |
| Loan loss allowance to noncurrent loans | 36.4859% | 5,758 |
| Noncurrent assets plus other real estate owned to assets | 14.1365% | 88 |
| Noncurrent loans to loans | 10.5032% | 192 |
| Net loans and leases to total assets | 69.8698% | 1,682 |
| Net loans and leases to deposits | 87.1185% | 1,232 |
| Net loans and leases to core deposits | 97.6902% | 1,101 |
| Total domestic deposits to total assets | 80.2009% | 5,712 |
| Equity capital to assets | 6.7057% | 6,759 |
| Core capital (leverage) ratio | 6.7057% | 6,712 |
| Tier 1 risk-based capital ratio | 10.5427% | 6,565 |
| Total risk-based capital ratio | 11.8308% | 6,528 |
| Memoranda: | ||
| Average total assets | $60,006,000 | 5,907 |
| Average earning assets | $50,622,500 | 6,026 |
| Average equity | $4,097,500 | 6,491 |
| Average total loans | $44,269,000 | 5,293 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 1,878 |
| Cost of funding earning assets | 1.4294% | 225 |
| Net interest margin | 3.4589% | 4,672 |
| Noninterest income to average assets | -1.3062% | 7,067 |
| Noninterest expense to average assets | 4.5922% | 524 |
| Loan and lease loss provision to assets | 1.6217% | 178 |
| Net operating income to assets | -4.6055% | 7,050 |
| Return on assets (ROA) | -4.6055% | 7,051 |
| Pretax return on assets | -4.6055% | 7,054 |
| Return on Equity (ROE) | -56.5491% | 7,029 |
| Retained earnings to average equity (ytd only) | -56.5491% | 7,025 |
| Net charge-offs to loans | 1.8526% | 423 |
| Credit loss provision to net charge-offs | 117.5214% | 2,448 |
| Earnings coverage of net charge-offs (x) | -2.1624% | 5,840 |
| Efficiency ratio | 285.5179% | 18 |
| Assets per employee ($millions) | 3.5629% | 4,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7088% | 355 |
| Loan loss allowance to noncurrent loans | 30.6375% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 14.7878% | 85 |
| Noncurrent loans to loans | 12.1056% | 148 |
| Net loans and leases to total assets | 72.0967% | 1,472 |
| Net loans and leases to deposits | 91.6184% | 945 |
| Net loans and leases to core deposits | 103.8280% | 799 |
| Total domestic deposits to total assets | 78.6924% | 5,955 |
| Equity capital to assets | 6.9490% | 6,782 |
| Core capital (leverage) ratio | 6.9490% | 6,716 |
| Tier 1 risk-based capital ratio | 10.7053% | 6,471 |
| Total risk-based capital ratio | 11.9923% | 6,423 |
| Memoranda: | ||
| Average total assets | $67,832,000 | 5,680 |
| Average earning assets | $57,156,400 | 5,832 |
| Average equity | $5,524,400 | 6,138 |
| Average total loans | $50,524,000 | 5,086 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8216% | 2,309 |
| Cost of funding earning assets | 1.4570% | 242 |
| Net interest margin | 3.3647% | 5,163 |
| Noninterest income to average assets | -0.2374% | 7,080 |
| Noninterest expense to average assets | 4.5274% | 527 |
| Loan and lease loss provision to assets | 2.1058% | 103 |
| Net operating income to assets | -4.0412% | 7,140 |
| Return on assets (ROA) | -4.0412% | 7,142 |
| Pretax return on assets | -4.0412% | 7,140 |
| Return on Equity (ROE) | -48.0861% | 7,115 |
| Retained earnings to average equity (ytd only) | -48.0861% | 7,110 |
| Net charge-offs to loans | 1.6159% | 517 |
| Credit loss provision to net charge-offs | 175.1592% | 1,585 |
| Earnings coverage of net charge-offs (x) | -1.6099% | 5,625 |
| Efficiency ratio | 174.6677% | 55 |
| Assets per employee ($millions) | 3.7641% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2071% | 261 |
| Loan loss allowance to noncurrent loans | 22.8604% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 22.3801% | 23 |
| Noncurrent loans to loans | 18.4034% | 55 |
| Net loans and leases to total assets | 70.8095% | 1,759 |
| Net loans and leases to deposits | 91.3399% | 1,025 |
| Net loans and leases to core deposits | 104.2063% | 856 |
| Total domestic deposits to total assets | 77.5231% | 6,161 |
| Equity capital to assets | 7.7309% | 6,700 |
| Core capital (leverage) ratio | 7.7309% | 6,505 |
| Tier 1 risk-based capital ratio | 11.3448% | 6,330 |
| Total risk-based capital ratio | 12.6359% | 6,262 |
| Memoranda: | ||
| Average total assets | $69,647,500 | 5,705 |
| Average earning assets | $58,568,000 | 5,860 |
| Average equity | $5,853,250 | 6,136 |
| Average total loans | $51,817,250 | 5,083 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9160% | 2,043 |
| Cost of funding earning assets | 1.4778% | 262 |
| Net interest margin | 3.4382% | 4,933 |
| Noninterest income to average assets | -1.0233% | 7,223 |
| Noninterest expense to average assets | 4.3308% | 633 |
| Loan and lease loss provision to assets | 3.0755% | 56 |
| Net operating income to assets | -5.5219% | 7,214 |
| Return on assets (ROA) | -5.5219% | 7,217 |
| Pretax return on assets | -5.5219% | 7,216 |
| Return on Equity (ROE) | -64.1720% | 7,187 |
| Retained earnings to average equity (ytd only) | -64.1720% | 7,182 |
| Net charge-offs to loans | 2.9931% | 196 |
| Credit loss provision to net charge-offs | 137.8446% | 1,998 |
| Earnings coverage of net charge-offs (x) | -1.0965% | 5,316 |
| Efficiency ratio | 229.8220% | 31 |
| Assets per employee ($millions) | 4.4580% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7117% | 423 |
| Loan loss allowance to noncurrent loans | 25.0103% | 6,361 |
| Noncurrent assets plus other real estate owned to assets | 18.0320% | 58 |
| Noncurrent loans to loans | 14.8407% | 105 |
| Net loans and leases to total assets | 70.6057% | 1,801 |
| Net loans and leases to deposits | 91.9133% | 961 |
| Net loans and leases to core deposits | 105.2779% | 778 |
| Total domestic deposits to total assets | 76.8177% | 6,357 |
| Equity capital to assets | 7.6028% | 6,757 |
| Core capital (leverage) ratio | 7.6028% | 6,566 |
| Tier 1 risk-based capital ratio | 11.5325% | 6,194 |
| Total risk-based capital ratio | 12.8187% | 6,163 |
| Memoranda: | ||
| Average total assets | $71,533,330 | 5,679 |
| Average earning assets | $60,496,330 | 5,819 |
| Average equity | $6,155,330 | 6,075 |
| Average total loans | $53,322,670 | 5,055 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 2,335 |
| Cost of funding earning assets | 1.5016% | 286 |
| Net interest margin | 3.3739% | 5,222 |
| Noninterest income to average assets | -0.3357% | 7,232 |
| Noninterest expense to average assets | 3.7528% | 1,296 |
| Loan and lease loss provision to assets | 2.7076% | 87 |
| Net operating income to assets | -3.9369% | 7,254 |
| Return on assets (ROA) | -3.9369% | 7,255 |
| Pretax return on assets | -3.9369% | 7,248 |
| Return on Equity (ROE) | -43.4614% | 7,211 |
| Retained earnings to average equity (ytd only) | -43.4614% | 7,198 |
| Net charge-offs to loans | -0.0361% | 6,410 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.7124% | 110 |
| Assets per employee ($millions) | 4.0651% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6998% | 465 |
| Loan loss allowance to noncurrent loans | 21.2188% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 19.8631% | 49 |
| Noncurrent loans to loans | 17.4366% | 76 |
| Net loans and leases to total assets | 71.9616% | 1,411 |
| Net loans and leases to deposits | 96.1946% | 522 |
| Net loans and leases to core deposits | 109.9797% | 536 |
| Total domestic deposits to total assets | 74.8083% | 6,669 |
| Equity capital to assets | 8.6469% | 5,935 |
| Core capital (leverage) ratio | 8.6523% | 5,375 |
| Tier 1 risk-based capital ratio | 13.0276% | 5,198 |
| Total risk-based capital ratio | 14.3136% | 5,129 |
| Memoranda: | ||
| Average total assets | $73,865,000 | 5,654 |
| Average earning assets | $62,599,000 | 5,793 |
| Average equity | $6,691,000 | 5,966 |
| Average total loans | $55,467,000 | 4,996 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 4,120 |
| Cost of funding earning assets | 1.7859% | 228 |
| Net interest margin | 2.9449% | 6,616 |
| Noninterest income to average assets | -0.0753% | 7,087 |
| Noninterest expense to average assets | 3.4143% | 2,206 |
| Loan and lease loss provision to assets | 4.4905% | 35 |
| Net operating income to assets | -5.4787% | 7,315 |
| Return on assets (ROA) | -5.4787% | 7,316 |
| Pretax return on assets | -5.4787% | 7,318 |
| Return on Equity (ROE) | -56.2590% | 7,231 |
| Retained earnings to average equity (ytd only) | -56.2590% | 7,230 |
| Net charge-offs to loans | 4.4699% | 106 |
| Credit loss provision to net charge-offs | 141.5677% | 2,062 |
| Earnings coverage of net charge-offs (x) | -0.3116% | 6,010 |
| Efficiency ratio | 140.7350% | 172 |
| Assets per employee ($millions) | 4.9706% | 2,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6984% | 1,076 |
| Loan loss allowance to noncurrent loans | 23.1862% | 6,507 |
| Noncurrent assets plus other real estate owned to assets | 16.2811% | 92 |
| Noncurrent loans to loans | 11.6379% | 236 |
| Net loans and leases to total assets | 73.4157% | 1,375 |
| Net loans and leases to deposits | 98.6697% | 518 |
| Net loans and leases to core deposits | 116.1524% | 444 |
| Total domestic deposits to total assets | 74.4055% | 6,678 |
| Equity capital to assets | 9.4623% | 4,941 |
| Core capital (leverage) ratio | 9.4659% | 4,084 |
| Tier 1 risk-based capital ratio | 13.6476% | 4,593 |
| Total risk-based capital ratio | 14.9180% | 4,539 |
| Memoranda: | ||
| Average total assets | $79,635,000 | 5,464 |
| Average earning assets | $67,642,400 | 5,626 |
| Average equity | $7,755,200 | 5,640 |
| Average total loans | $56,511,600 | 5,007 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 5,231 |
| Cost of funding earning assets | 1.8075% | 253 |
| Net interest margin | 2.7015% | 6,989 |
| Noninterest income to average assets | 0.2703% | 5,681 |
| Noninterest expense to average assets | 3.1246% | 3,075 |
| Loan and lease loss provision to assets | 3.7904% | 69 |
| Net operating income to assets | -4.3441% | 7,352 |
| Return on assets (ROA) | -4.3441% | 7,355 |
| Pretax return on assets | -4.3441% | 7,355 |
| Return on Equity (ROE) | -44.3187% | 7,273 |
| Retained earnings to average equity (ytd only) | -44.3187% | 7,267 |
| Net charge-offs to loans | 1.7015% | 812 |
| Credit loss provision to net charge-offs | 318.5596% | 884 |
| Earnings coverage of net charge-offs (x) | -0.4654% | 5,820 |
| Efficiency ratio | 121.5385% | 295 |
| Assets per employee ($millions) | 4.2725% | 3,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3792% | 621 |
| Loan loss allowance to noncurrent loans | 22.9305% | 6,581 |
| Noncurrent assets plus other real estate owned to assets | 17.5750% | 81 |
| Noncurrent loans to loans | 14.7367% | 147 |
| Net loans and leases to total assets | 71.7128% | 1,773 |
| Net loans and leases to deposits | 99.1062% | 508 |
| Net loans and leases to core deposits | 119.7248% | 391 |
| Total domestic deposits to total assets | 72.3595% | 6,910 |
| Equity capital to assets | 10.8219% | 3,329 |
| Core capital (leverage) ratio | 10.8219% | 2,552 |
| Tier 1 risk-based capital ratio | 16.1394% | 3,045 |
| Total risk-based capital ratio | 17.4199% | 2,992 |
| Memoranda: | ||
| Average total assets | $80,904,000 | 5,479 |
| Average earning assets | $68,897,750 | 5,621 |
| Average equity | $7,930,250 | 5,620 |
| Average total loans | $56,575,500 | 5,053 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3872% | 5,738 |
| Cost of funding earning assets | 1.8236% | 283 |
| Net interest margin | 2.5636% | 7,145 |
| Noninterest income to average assets | -0.0148% | 7,219 |
| Noninterest expense to average assets | 3.0169% | 3,572 |
| Loan and lease loss provision to assets | 5.6922% | 34 |
| Net operating income to assets | -6.5460% | 7,475 |
| Return on assets (ROA) | -6.5460% | 7,477 |
| Pretax return on assets | -6.5460% | 7,475 |
| Return on Equity (ROE) | -69.1926% | 7,399 |
| Retained earnings to average equity (ytd only) | -69.1926% | 7,396 |
| Net charge-offs to loans | 2.3956% | 516 |
| Credit loss provision to net charge-offs | 346.9080% | 887 |
| Earnings coverage of net charge-offs (x) | -0.5204% | 5,531 |
| Efficiency ratio | 139.4737% | 203 |
| Assets per employee ($millions) | 4.3110% | 3,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0870% | 394 |
| Loan loss allowance to noncurrent loans | 31.7925% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 17.6757% | 91 |
| Noncurrent loans to loans | 12.8552% | 211 |
| Net loans and leases to total assets | 71.5547% | 1,872 |
| Net loans and leases to deposits | 95.3989% | 771 |
| Net loans and leases to core deposits | 118.5090% | 456 |
| Total domestic deposits to total assets | 75.0058% | 6,725 |
| Equity capital to assets | 11.3121% | 2,671 |
| Core capital (leverage) ratio | 11.3099% | 2,045 |
| Tier 1 risk-based capital ratio | 16.6632% | 2,664 |
| Total risk-based capital ratio | 17.9524% | 2,604 |
| Memoranda: | ||
| Average total assets | $80,812,670 | 5,525 |
| Average earning assets | $68,653,670 | 5,672 |
| Average equity | $7,645,330 | 5,722 |
| Average total loans | $55,350,330 | 5,154 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2367% | 6,189 |
| Cost of funding earning assets | 1.8319% | 336 |
| Net interest margin | 2.4048% | 7,256 |
| Noninterest income to average assets | -0.1165% | 7,389 |
| Noninterest expense to average assets | 2.8343% | 4,316 |
| Loan and lease loss provision to assets | 11.1623% | 7 |
| Net operating income to assets | -12.0553% | 7,564 |
| Return on assets (ROA) | -12.0553% | 7,564 |
| Pretax return on assets | -12.0553% | 7,560 |
| Return on Equity (ROE) | -140.3588% | 7,516 |
| Retained earnings to average equity (ytd only) | -140.3588% | 7,511 |
| Net charge-offs to loans | 2.4926% | 466 |
| Credit loss provision to net charge-offs | 682.4926% | 552 |
| Earnings coverage of net charge-offs (x) | -0.5460% | 4,807 |
| Efficiency ratio | 146.0000% | 182 |
| Assets per employee ($millions) | 5.0676% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4374% | 83 |
| Loan loss allowance to noncurrent loans | 42.0721% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 16.6510% | 110 |
| Noncurrent loans to loans | 15.3009% | 143 |
| Net loans and leases to total assets | 61.0715% | 4,062 |
| Net loans and leases to deposits | 83.2501% | 2,148 |
| Net loans and leases to core deposits | 104.6936% | 1,018 |
| Total domestic deposits to total assets | 73.3591% | 6,970 |
| Equity capital to assets | 8.7405% | 5,592 |
| Core capital (leverage) ratio | 8.7405% | 5,020 |
| Tier 1 risk-based capital ratio | 14.4822% | 3,751 |
| Total risk-based capital ratio | 15.8023% | 3,671 |
| Memoranda: | ||
| Average total assets | $82,420,000 | 5,513 |
| Average earning assets | $70,526,500 | 5,650 |
| Average equity | $7,079,000 | 5,905 |
| Average total loans | $54,080,000 | 5,253 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 4,969 |
| Cost of funding earning assets | 2.4083% | 147 |
| Net interest margin | 2.5028% | 7,269 |
| Noninterest income to average assets | -0.0239% | 7,324 |
| Noninterest expense to average assets | 3.3881% | 2,466 |
| Loan and lease loss provision to assets | 2.4615% | 461 |
| Net operating income to assets | -3.7174% | 7,406 |
| Return on assets (ROA) | -3.6515% | 7,411 |
| Pretax return on assets | -3.6515% | 7,390 |
| Return on Equity (ROE) | -56.0889% | 7,459 |
| Retained earnings to average equity (ytd only) | -56.0889% | 7,456 |
| Net charge-offs to loans | 4.1993% | 283 |
| Credit loss provision to net charge-offs | 79.7827% | 5,566 |
| Earnings coverage of net charge-offs (x) | -0.4071% | 6,409 |
| Efficiency ratio | 158.8995% | 170 |
| Assets per employee ($millions) | 5.5839% | 1,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7790% | 1,082 |
| Loan loss allowance to noncurrent loans | 20.9728% | 6,773 |
| Noncurrent assets plus other real estate owned to assets | 15.1663% | 160 |
| Noncurrent loans to loans | 13.2507% | 222 |
| Net loans and leases to total assets | 64.1133% | 3,850 |
| Net loans and leases to deposits | 84.6082% | 2,356 |
| Net loans and leases to core deposits | 105.7316% | 1,211 |
| Total domestic deposits to total assets | 75.7766% | 6,659 |
| Equity capital to assets | 8.4422% | 5,934 |
| Core capital (leverage) ratio | 8.4422% | 5,463 |
| Tier 1 risk-based capital ratio | 13.6735% | 4,081 |
| Total risk-based capital ratio | 14.9440% | 4,040 |
| Memoranda: | ||
| Average total assets | $83,526,600 | 5,482 |
| Average earning assets | $71,959,400 | 5,604 |
| Average equity | $5,437,800 | 6,526 |
| Average total loans | $61,366,800 | 5,011 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9752% | 4,927 |
| Cost of funding earning assets | 2.5135% | 134 |
| Net interest margin | 2.4616% | 7,395 |
| Noninterest income to average assets | -0.0032% | 7,456 |
| Noninterest expense to average assets | 3.5126% | 2,012 |
| Loan and lease loss provision to assets | 0.8961% | 1,696 |
| Net operating income to assets | -2.2906% | 7,301 |
| Return on assets (ROA) | -2.2443% | 7,306 |
| Pretax return on assets | -2.2443% | 7,259 |
| Return on Equity (ROE) | -37.2460% | 7,469 |
| Retained earnings to average equity (ytd only) | -37.2460% | 7,466 |
| Net charge-offs to loans | 2.5013% | 677 |
| Credit loss provision to net charge-offs | 47.5424% | 5,921 |
| Earnings coverage of net charge-offs (x) | -0.7398% | 6,403 |
| Efficiency ratio | 165.8371% | 145 |
| Assets per employee ($millions) | 5.3797% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0815% | 2,044 |
| Loan loss allowance to noncurrent loans | 14.0916% | 7,095 |
| Noncurrent assets plus other real estate owned to assets | 16.7939% | 107 |
| Noncurrent loans to loans | 14.7710% | 167 |
| Net loans and leases to total assets | 73.1622% | 1,985 |
| Net loans and leases to deposits | 93.5286% | 1,260 |
| Net loans and leases to core deposits | 119.2346% | 637 |
| Total domestic deposits to total assets | 78.2244% | 6,213 |
| Equity capital to assets | 5.2568% | 7,553 |
| Core capital (leverage) ratio | 5.2262% | 7,526 |
| Tier 1 risk-based capital ratio | 7.4683% | 7,519 |
| Total risk-based capital ratio | 8.7756% | 7,515 |
| Memoranda: | ||
| Average total assets | $83,468,750 | 5,555 |
| Average earning assets | $71,929,000 | 5,673 |
| Average equity | $5,029,500 | 6,744 |
| Average total loans | $62,899,750 | 5,036 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9670% | 5,100 |
| Cost of funding earning assets | 2.5633% | 139 |
| Net interest margin | 2.4037% | 7,474 |
| Noninterest income to average assets | 0.3626% | 5,243 |
| Noninterest expense to average assets | 3.7183% | 1,518 |
| Loan and lease loss provision to assets | 0.9645% | 1,515 |
| Net operating income to assets | -2.2490% | 7,364 |
| Return on assets (ROA) | -2.2063% | 7,361 |
| Pretax return on assets | -2.2063% | 7,295 |
| Return on Equity (ROE) | -35.1852% | 7,492 |
| Retained earnings to average equity (ytd only) | -35.1852% | 7,482 |
| Net charge-offs to loans | 2.9074% | 560 |
| Credit loss provision to net charge-offs | 43.9051% | 5,541 |
| Earnings coverage of net charge-offs (x) | -0.5847% | 6,039 |
| Efficiency ratio | 152.7751% | 195 |
| Assets per employee ($millions) | 5.4761% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 2,280 |
| Loan loss allowance to noncurrent loans | 17.3475% | 7,060 |
| Noncurrent assets plus other real estate owned to assets | 14.5530% | 159 |
| Noncurrent loans to loans | 11.3061% | 339 |
| Net loans and leases to total assets | 73.3897% | 2,062 |
| Net loans and leases to deposits | 95.0776% | 1,141 |
| Net loans and leases to core deposits | 124.8250% | 550 |
| Total domestic deposits to total assets | 77.1892% | 6,450 |
| Equity capital to assets | 5.7487% | 7,569 |
| Core capital (leverage) ratio | 5.7131% | 7,525 |
| Tier 1 risk-based capital ratio | 8.0747% | 7,517 |
| Total risk-based capital ratio | 9.3881% | 7,524 |
| Memoranda: | ||
| Average total assets | $84,393,000 | 5,553 |
| Average earning assets | $72,720,000 | 5,683 |
| Average equity | $5,292,000 | 6,685 |
| Average total loans | $63,768,330 | 5,024 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9148% | 5,390 |
| Cost of funding earning assets | 2.5522% | 192 |
| Net interest margin | 2.3626% | 7,559 |
| Noninterest income to average assets | 0.2058% | 6,490 |
| Noninterest expense to average assets | 2.8298% | 4,370 |
| Loan and lease loss provision to assets | 0.1731% | 4,786 |
| Net operating income to assets | -0.7577% | 6,991 |
| Return on assets (ROA) | -0.7156% | 6,985 |
| Pretax return on assets | -0.7156% | 6,905 |
| Return on Equity (ROE) | -10.9736% | 7,169 |
| Retained earnings to average equity (ytd only) | -10.9736% | 7,013 |
| Net charge-offs to loans | 3.0566% | 501 |
| Credit loss provision to net charge-offs | 7.4597% | 5,079 |
| Earnings coverage of net charge-offs (x) | -0.2520% | 5,185 |
| Efficiency ratio | 126.0417% | 379 |
| Assets per employee ($millions) | 5.8143% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0086% | 2,163 |
| Loan loss allowance to noncurrent loans | 12.8986% | 7,267 |
| Noncurrent assets plus other real estate owned to assets | 15.9011% | 118 |
| Noncurrent loans to loans | 15.5719% | 162 |
| Net loans and leases to total assets | 70.8189% | 2,734 |
| Net loans and leases to deposits | 91.1350% | 1,739 |
| Net loans and leases to core deposits | 118.2267% | 856 |
| Total domestic deposits to total assets | 77.7077% | 6,391 |
| Equity capital to assets | 6.3029% | 7,571 |
| Core capital (leverage) ratio | 6.2728% | 7,537 |
| Tier 1 risk-based capital ratio | 9.2427% | 7,413 |
| Total risk-based capital ratio | 10.5035% | 7,405 |
| Memoranda: | ||
| Average total assets | $85,519,000 | 5,585 |
| Average earning assets | $73,818,500 | 5,711 |
| Average equity | $5,577,000 | 6,652 |
| Average total loans | $64,908,000 | 5,048 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7637% | 2,804 |
| Cost of funding earning assets | 3.2315% | 113 |
| Net interest margin | 2.5323% | 7,390 |
| Noninterest income to average assets | 0.2828% | 6,081 |
| Noninterest expense to average assets | 3.4143% | 2,626 |
| Loan and lease loss provision to assets | 1.8120% | 1,243 |
| Net operating income to assets | -2.7333% | 7,328 |
| Return on assets (ROA) | -3.6393% | 7,544 |
| Pretax return on assets | -3.6393% | 7,452 |
| Return on Equity (ROE) | -42.2352% | 7,603 |
| Retained earnings to average equity (ytd only) | -42.2352% | 7,590 |
| Net charge-offs to loans | 1.0419% | 2,328 |
| Credit loss provision to net charge-offs | 214.2061% | 1,789 |
| Earnings coverage of net charge-offs (x) | -1.0891% | 6,896 |
| Efficiency ratio | 136.9565% | 408 |
| Assets per employee ($millions) | 5.5883% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5844% | 1,132 |
| Loan loss allowance to noncurrent loans | 19.6181% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 14.2286% | 159 |
| Noncurrent loans to loans | 13.1734% | 230 |
| Net loans and leases to total assets | 77.6150% | 1,462 |
| Net loans and leases to deposits | 101.2512% | 806 |
| Net loans and leases to core deposits | 179.1448% | 171 |
| Total domestic deposits to total assets | 76.6559% | 6,561 |
| Equity capital to assets | 6.7487% | 7,479 |
| Core capital (leverage) ratio | 6.7097% | 7,407 |
| Tier 1 risk-based capital ratio | 9.0553% | 7,448 |
| Total risk-based capital ratio | 10.3246% | 7,455 |
| Memoranda: | ||
| Average total assets | $84,878,800 | 5,565 |
| Average earning assets | $74,084,000 | 5,676 |
| Average equity | $7,313,800 | 6,170 |
| Average total loans | $68,915,000 | 4,906 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8887% | 2,499 |
| Cost of funding earning assets | 3.3408% | 115 |
| Net interest margin | 2.5479% | 7,412 |
| Noninterest income to average assets | 0.4479% | 4,910 |
| Noninterest expense to average assets | 3.1648% | 3,422 |
| Loan and lease loss provision to assets | 0.2647% | 4,844 |
| Net operating income to assets | -0.7423% | 6,638 |
| Return on assets (ROA) | -1.9575% | 7,299 |
| Pretax return on assets | -1.9575% | 7,161 |
| Return on Equity (ROE) | -21.5661% | 7,430 |
| Retained earnings to average equity (ytd only) | -21.5661% | 7,396 |
| Net charge-offs to loans | 0.6086% | 2,850 |
| Credit loss provision to net charge-offs | 53.3123% | 6,265 |
| Earnings coverage of net charge-offs (x) | -0.9621% | 6,623 |
| Efficiency ratio | 117.7739% | 631 |
| Assets per employee ($millions) | 5.5329% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 5,590 |
| Loan loss allowance to noncurrent loans | 11.4105% | 7,424 |
| Noncurrent assets plus other real estate owned to assets | 10.5634% | 306 |
| Noncurrent loans to loans | 9.8314% | 411 |
| Net loans and leases to total assets | 80.5010% | 1,085 |
| Net loans and leases to deposits | 108.6888% | 512 |
| Net loans and leases to core deposits | 175.5828% | 218 |
| Total domestic deposits to total assets | 74.0656% | 6,935 |
| Equity capital to assets | 9.0404% | 5,428 |
| Core capital (leverage) ratio | 8.9944% | 4,660 |
| Tier 1 risk-based capital ratio | 11.7828% | 5,164 |
| Total risk-based capital ratio | 12.9799% | 5,161 |
| Memoranda: | ||
| Average total assets | $85,142,500 | 5,585 |
| Average earning assets | $74,830,750 | 5,680 |
| Average equity | $7,728,000 | 6,075 |
| Average total loans | $69,447,250 | 4,933 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8876% | 2,646 |
| Cost of funding earning assets | 3.4371% | 133 |
| Net interest margin | 2.4505% | 7,524 |
| Noninterest income to average assets | 0.4938% | 4,497 |
| Noninterest expense to average assets | 3.2961% | 2,974 |
| Loan and lease loss provision to assets | 0.3937% | 3,555 |
| Net operating income to assets | -1.0319% | 7,009 |
| Return on assets (ROA) | -2.8465% | 7,638 |
| Pretax return on assets | -2.8465% | 7,525 |
| Return on Equity (ROE) | -31.3213% | 7,730 |
| Retained earnings to average equity (ytd only) | -31.3213% | 7,706 |
| Net charge-offs to loans | 0.8306% | 2,034 |
| Credit loss provision to net charge-offs | 58.0756% | 5,628 |
| Earnings coverage of net charge-offs (x) | -0.9416% | 6,219 |
| Efficiency ratio | 124.0140% | 602 |
| Assets per employee ($millions) | 5.6372% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,322 |
| Loan loss allowance to noncurrent loans | 16.5261% | 7,312 |
| Noncurrent assets plus other real estate owned to assets | 7.2093% | 576 |
| Noncurrent loans to loans | 6.9093% | 717 |
| Net loans and leases to total assets | 80.2727% | 1,262 |
| Net loans and leases to deposits | 113.0869% | 442 |
| Net loans and leases to core deposits | 172.5745% | 294 |
| Total domestic deposits to total assets | 70.9832% | 7,368 |
| Equity capital to assets | 8.8484% | 5,526 |
| Core capital (leverage) ratio | 8.8484% | 4,866 |
| Tier 1 risk-based capital ratio | 11.5665% | 5,313 |
| Total risk-based capital ratio | 12.7785% | 5,282 |
| Memoranda: | ||
| Average total assets | $85,858,670 | 5,585 |
| Average earning assets | $75,820,330 | 5,678 |
| Average equity | $7,803,000 | 6,089 |
| Average total loans | $70,073,330 | 4,959 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3598% | 1,157 |
| Cost of funding earning assets | 3.5993% | 115 |
| Net interest margin | 2.7605% | 7,073 |
| Noninterest income to average assets | 0.4855% | 4,455 |
| Noninterest expense to average assets | 2.6309% | 5,319 |
| Loan and lease loss provision to assets | 0.1896% | 4,548 |
| Net operating income to assets | 0.0694% | 6,070 |
| Return on assets (ROA) | 0.0694% | 6,228 |
| Pretax return on assets | 0.0694% | 6,233 |
| Return on Equity (ROE) | 0.7534% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.7534% | 5,364 |
| Net charge-offs to loans | 0.2995% | 2,916 |
| Credit loss provision to net charge-offs | 77.3585% | 4,233 |
| Earnings coverage of net charge-offs (x) | 1.0566% | 4,235 |
| Efficiency ratio | 91.0400% | 1,650 |
| Assets per employee ($millions) | 5.7205% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 4,167 |
| Loan loss allowance to noncurrent loans | 17.6471% | 7,280 |
| Noncurrent assets plus other real estate owned to assets | 7.7207% | 401 |
| Noncurrent loans to loans | 7.2783% | 528 |
| Net loans and leases to total assets | 80.0741% | 1,373 |
| Net loans and leases to deposits | 112.7910% | 488 |
| Net loans and leases to core deposits | 179.5776% | 239 |
| Total domestic deposits to total assets | 70.9934% | 7,330 |
| Equity capital to assets | 9.2451% | 5,017 |
| Core capital (leverage) ratio | 9.2451% | 4,336 |
| Tier 1 risk-based capital ratio | 12.0161% | 4,952 |
| Total risk-based capital ratio | 13.2657% | 4,834 |
| Memoranda: | ||
| Average total assets | $86,509,000 | 5,586 |
| Average earning assets | $75,348,500 | 5,720 |
| Average equity | $7,963,500 | 6,075 |
| Average total loans | $70,779,500 | 4,954 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0281% | 1,053 |
| Cost of funding earning assets | 3.7880% | 208 |
| Net interest margin | 3.2401% | 6,239 |
| Noninterest income to average assets | 0.3754% | 5,691 |
| Noninterest expense to average assets | 2.2767% | 6,768 |
| Loan and lease loss provision to assets | 0.9862% | 1,493 |
| Net operating income to assets | 0.0811% | 6,153 |
| Return on assets (ROA) | 0.0178% | 6,179 |
| Pretax return on assets | 0.0178% | 6,122 |
| Return on Equity (ROE) | 0.1790% | 6,174 |
| Retained earnings to average equity (ytd only) | -15.0366% | 7,460 |
| Net charge-offs to loans | 0.8457% | 1,487 |
| Credit loss provision to net charge-offs | 138.9671% | 3,822 |
| Earnings coverage of net charge-offs (x) | 1.5039% | 5,350 |
| Efficiency ratio | 68.0837% | 4,709 |
| Assets per employee ($millions) | 5.8140% | 1,256 |
| Cash dividends to net income (ytd only)* | 8,500.0000% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 4,055 |
| Loan loss allowance to noncurrent loans | 18.3810% | 7,299 |
| Noncurrent assets plus other real estate owned to assets | 6.2711% | 458 |
| Noncurrent loans to loans | 6.8501% | 451 |
| Net loans and leases to total assets | 81.4689% | 1,325 |
| Net loans and leases to deposits | 114.1148% | 608 |
| Net loans and leases to core deposits | 185.6325% | 241 |
| Total domestic deposits to total assets | 71.3920% | 7,106 |
| Equity capital to assets | 9.1664% | 5,134 |
| Core capital (leverage) ratio | 9.1664% | 4,495 |
| Tier 1 risk-based capital ratio | 11.8288% | 4,960 |
| Total risk-based capital ratio | 13.0806% | 4,861 |
| Memoranda: | ||
| Average total assets | $90,040,800 | 5,353 |
| Average earning assets | $82,497,200 | 5,346 |
| Average equity | $8,938,200 | 5,757 |
| Average total loans | $75,556,200 | 4,667 |