Home > Sunnyside Federal Savings and Loan Association of Irvington > Performance and Condition Ratios
Sunnyside Federal Savings and Loan Association of Irvington, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6821% | 951 |
| Cost of funding earning assets | 0.8795% | 3,565 |
| Net interest margin | 4.8026% | 414 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 5.1204% | 221 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | -1.2060% | 4,539 |
| Return on assets (ROA) | -1.2060% | 4,532 |
| Pretax return on assets | -1.1770% | 4,526 |
| Return on Equity (ROE) | -6.3200% | 4,478 |
| Retained earnings to average equity (ytd only) | -6.3151% | 4,418 |
| Net charge-offs to loans | 0.1975% | 541 |
| Credit loss provision to net charge-offs | 114.2857% | 1,721 |
| Earnings coverage of net charge-offs (x) | -15.6190% | 4,559 |
| Efficiency ratio | 127.2576% | 67 |
| Assets per employee ($millions) | 4.0771% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5272% | 4,317 |
| Loan loss allowance to noncurrent loans | 238.7500% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.0892% | 2,934 |
| Noncurrent loans to loans | 0.2208% | 2,434 |
| Net loans and leases to total assets | 40.1800% | 4,034 |
| Net loans and leases to deposits | 50.7049% | 3,928 |
| Net loans and leases to core deposits | 57.6689% | 3,848 |
| Total domestic deposits to total assets | 79.2400% | 3,575 |
| Equity capital to assets | 19.9719% | 284 |
| Core capital (leverage) ratio | 15.7419% | 519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1763% | 336 |
| Memoranda: | ||
| Average total assets | $89,718,800 | 3,917 |
| Average earning assets | $72,086,400 | 4,014 |
| Average equity | $17,133,600 | 3,081 |
| Average total loans | $31,896,000 | 4,116 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7476% | 736 |
| Cost of funding earning assets | 0.7845% | 3,565 |
| Net interest margin | 4.9631% | 321 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 4.9528% | 228 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | -0.8901% | 4,560 |
| Return on assets (ROA) | -0.8901% | 4,554 |
| Pretax return on assets | -0.8663% | 4,542 |
| Return on Equity (ROE) | -4.7100% | 4,500 |
| Retained earnings to average equity (ytd only) | -4.7150% | 4,420 |
| Net charge-offs to loans | 0.2553% | 348 |
| Credit loss provision to net charge-offs | 66.1017% | 1,826 |
| Earnings coverage of net charge-offs (x) | -9.2203% | 4,598 |
| Efficiency ratio | 119.5052% | 77 |
| Assets per employee ($millions) | 4.1673% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4726% | 4,369 |
| Loan loss allowance to noncurrent loans | 249.1803% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 3,140 |
| Noncurrent loans to loans | 0.1897% | 2,604 |
| Net loans and leases to total assets | 36.5800% | 4,164 |
| Net loans and leases to deposits | 45.9344% | 4,051 |
| Net loans and leases to core deposits | 51.0731% | 4,010 |
| Total domestic deposits to total assets | 79.6200% | 3,583 |
| Equity capital to assets | 19.5480% | 296 |
| Core capital (leverage) ratio | 16.0238% | 491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8204% | 286 |
| Memoranda: | ||
| Average total assets | $89,724,500 | 3,931 |
| Average earning assets | $71,889,250 | 4,033 |
| Average equity | $16,938,500 | 3,087 |
| Average total loans | $30,812,500 | 4,146 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3820% | 975 |
| Cost of funding earning assets | 0.6741% | 3,558 |
| Net interest margin | 4.7078% | 453 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 4.8197% | 233 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | -0.9418% | 4,598 |
| Return on assets (ROA) | -0.9418% | 4,595 |
| Pretax return on assets | -0.9241% | 4,585 |
| Return on Equity (ROE) | -5.0500% | 4,543 |
| Retained earnings to average equity (ytd only) | -5.0467% | 4,421 |
| Net charge-offs to loans | 0.2108% | 383 |
| Credit loss provision to net charge-offs | 40.6250% | 1,710 |
| Earnings coverage of net charge-offs (x) | -12.6563% | 4,637 |
| Efficiency ratio | 122.8169% | 67 |
| Assets per employee ($millions) | 5.0254% | 3,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3799% | 4,447 |
| Loan loss allowance to noncurrent loans | 36.4742% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 1,463 |
| Noncurrent loans to loans | 1.0415% | 713 |
| Net loans and leases to total assets | 34.7900% | 4,218 |
| Net loans and leases to deposits | 43.9869% | 4,096 |
| Net loans and leases to core deposits | 48.5341% | 4,052 |
| Total domestic deposits to total assets | 79.0900% | 3,709 |
| Equity capital to assets | 20.1486% | 280 |
| Core capital (leverage) ratio | 16.4625% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4141% | 269 |
| Memoranda: | ||
| Average total assets | $90,461,667 | 3,938 |
| Average earning assets | $72,390,000 | 4,048 |
| Average equity | $16,882,333 | 3,113 |
| Average total loans | $30,363,333 | 4,162 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3173% | 812 |
| Cost of funding earning assets | 0.5356% | 3,574 |
| Net interest margin | 4.7817% | 385 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 4.5764% | 264 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | -0.6279% | 4,596 |
| Return on assets (ROA) | -0.6279% | 4,585 |
| Pretax return on assets | -0.5837% | 4,574 |
| Return on Equity (ROE) | -3.5000% | 4,530 |
| Retained earnings to average equity (ytd only) | -3.5039% | 4,264 |
| Net charge-offs to loans | -0.1479% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 113.7363% | 86 |
| Assets per employee ($millions) | 4.9376% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3143% | 4,529 |
| Loan loss allowance to noncurrent loans | 26.5753% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 1,255 |
| Noncurrent loans to loans | 1.1828% | 588 |
| Net loans and leases to total assets | 34.6100% | 4,245 |
| Net loans and leases to deposits | 42.8623% | 4,135 |
| Net loans and leases to core deposits | 46.0425% | 4,109 |
| Total domestic deposits to total assets | 80.7500% | 3,671 |
| Equity capital to assets | 18.4525% | 288 |
| Core capital (leverage) ratio | 13.6195% | 809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1568% | 428 |
| Memoranda: | ||
| Average total assets | $90,463,500 | 3,988 |
| Average earning assets | $73,195,000 | 4,094 |
| Average equity | $16,210,500 | 3,198 |
| Average total loans | $29,750,000 | 4,227 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4849% | 4,511 |
| Cost of funding earning assets | 0.1598% | 4,059 |
| Net interest margin | 2.3251% | 4,408 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 2.2552% | 2,877 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | -0.1665% | 4,602 |
| Return on assets (ROA) | -0.1665% | 4,590 |
| Pretax return on assets | -0.1908% | 4,589 |
| Return on Equity (ROE) | -1.1700% | 4,577 |
| Retained earnings to average equity (ytd only) | -1.1653% | 4,457 |
| Net charge-offs to loans | 0.2078% | 399 |
| Credit loss provision to net charge-offs | 28.8136% | 1,899 |
| Earnings coverage of net charge-offs (x) | -2.7627% | 4,685 |
| Efficiency ratio | 108.2994% | 96 |
| Assets per employee ($millions) | 6.1693% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0909% | 4,598 |
| Loan loss allowance to noncurrent loans | 8.5809% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 1,541 |
| Noncurrent loans to loans | 1.0598% | 678 |
| Net loans and leases to total assets | 30.8700% | 4,369 |
| Net loans and leases to deposits | 37.7847% | 4,299 |
| Net loans and leases to core deposits | 39.5900% | 4,289 |
| Total domestic deposits to total assets | 81.6900% | 3,664 |
| Equity capital to assets | 18.0419% | 287 |
| Core capital (leverage) ratio | 13.6644% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4449% | 353 |
| Memoranda: | ||
| Average total assets | $94,315,800 | 3,975 |
| Average earning assets | $80,727,200 | 4,026 |
| Average equity | $13,473,000 | 3,525 |
| Average total loans | $28,399,200 | 4,265 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7903% | 4,638 |
| Cost of funding earning assets | 0.1104% | 4,195 |
| Net interest margin | 1.6800% | 4,618 |
| Noninterest income to average assets | 0.0700% | 4,554 |
| Noninterest expense to average assets | 1.6420% | 4,253 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | -0.1069% | 4,625 |
| Return on assets (ROA) | -0.1069% | 4,603 |
| Pretax return on assets | -0.1266% | 4,604 |
| Return on Equity (ROE) | -0.8000% | 4,581 |
| Retained earnings to average equity (ytd only) | -0.7999% | 4,407 |
| Net charge-offs to loans | 0.1411% | 465 |
| Credit loss provision to net charge-offs | 33.3333% | 1,590 |
| Earnings coverage of net charge-offs (x) | -2.6667% | 4,725 |
| Efficiency ratio | 107.3597% | 108 |
| Assets per employee ($millions) | 6.7731% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0394% | 4,650 |
| Loan loss allowance to noncurrent loans | 2.9326% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 1,505 |
| Noncurrent loans to loans | 1.3446% | 542 |
| Net loans and leases to total assets | 26.7300% | 4,491 |
| Net loans and leases to deposits | 32.6024% | 4,451 |
| Net loans and leases to core deposits | 34.3449% | 4,435 |
| Total domestic deposits to total assets | 82.0000% | 3,841 |
| Equity capital to assets | 17.6432% | 292 |
| Core capital (leverage) ratio | 13.0261% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6761% | 359 |
| Memoranda: | ||
| Average total assets | $94,759,750 | 4,000 |
| Average earning assets | $82,142,500 | 4,048 |
| Average equity | $12,667,250 | 3,642 |
| Average total loans | $28,351,750 | 4,294 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5870% | 4,756 |
| Cost of funding earning assets | 0.0430% | 4,633 |
| Net interest margin | 0.5441% | 4,754 |
| Noninterest income to average assets | 0.0253% | 4,693 |
| Noninterest expense to average assets | 0.7092% | 4,737 |
| Loan and lease loss provision to assets | 0.0063% | 2,487 |
| Net operating income to assets | -0.1773% | 4,635 |
| Return on assets (ROA) | -0.1773% | 4,607 |
| Pretax return on assets | -0.2090% | 4,599 |
| Return on Equity (ROE) | -1.4808% | 4,600 |
| Retained earnings to average equity (ytd only) | -1.4808% | 4,342 |
| Net charge-offs to loans | 0.2044% | 318 |
| Credit loss provision to net charge-offs | 10.0000% | 1,631 |
| Earnings coverage of net charge-offs (x) | -3.2000% | 2,120 |
| Efficiency ratio | 140.0000% | 48 |
| Assets per employee ($millions) | 8.3138% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0114% | 4,719 |
| Loan loss allowance to noncurrent loans | 0.4902% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 0.6134% | 904 |
| Noncurrent loans to loans | 2.3177% | 265 |
| Net loans and leases to total assets | 26.4652% | 4,551 |
| Net loans and leases to deposits | 32.4043% | 4,487 |
| Net loans and leases to core deposits | 34.1614% | 4,475 |
| Total domestic deposits to total assets | 81.6719% | 4,056 |
| Equity capital to assets | 18.0895% | 223 |
| Core capital (leverage) ratio | 13.1897% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.6376% | 335 |
| Memoranda: | ||
| Average total assets | $94,758,000 | 4,040 |
| Average earning assets | $83,809,000 | 4,077 |
| Average equity | $11,345,333 | 3,848 |
| Average total loans | $29,349,000 | 4,329 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9143% | 3,496 |
| Cost of funding earning assets | 0.2849% | 1,776 |
| Net interest margin | 2.6294% | 3,589 |
| Noninterest income to average assets | 0.1474% | 4,273 |
| Noninterest expense to average assets | 2.7012% | 1,362 |
| Loan and lease loss provision to assets | 0.0347% | 1,742 |
| Net operating income to assets | -0.1387% | 4,615 |
| Return on assets (ROA) | -0.1387% | 4,599 |
| Pretax return on assets | -0.1474% | 4,601 |
| Return on Equity (ROE) | -1.6011% | 4,623 |
| Retained earnings to average equity (ytd only) | -1.6011% | 4,213 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3551% | 184 |
| Assets per employee ($millions) | 8.9803% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 2,576 |
| Loan loss allowance to noncurrent loans | 62.3116% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.6648% | 877 |
| Noncurrent loans to loans | 2.0139% | 365 |
| Net loans and leases to total assets | 32.5958% | 4,353 |
| Net loans and leases to deposits | 36.0946% | 4,378 |
| Net loans and leases to core deposits | 38.4349% | 4,355 |
| Total domestic deposits to total assets | 90.3066% | 1,384 |
| Equity capital to assets | 7.8873% | 3,659 |
| Core capital (leverage) ratio | 10.8531% | 1,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4782% | 523 |
| Memoranda: | ||
| Average total assets | $92,254,500 | 4,077 |
| Average earning assets | $85,645,500 | 4,065 |
| Average equity | $7,994,500 | 4,272 |
| Average total loans | $30,820,500 | 4,314 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8756% | 4,096 |
| Cost of funding earning assets | 0.4092% | 1,474 |
| Net interest margin | 2.4664% | 4,237 |
| Noninterest income to average assets | 0.1527% | 4,387 |
| Noninterest expense to average assets | 3.6999% | 389 |
| Loan and lease loss provision to assets | 0.1517% | 792 |
| Net operating income to assets | -1.3559% | 4,801 |
| Return on assets (ROA) | -1.3559% | 4,801 |
| Pretax return on assets | -1.3943% | 4,798 |
| Return on Equity (ROE) | -13.4556% | 4,817 |
| Retained earnings to average equity (ytd only) | -13.4556% | 4,791 |
| Net charge-offs to loans | 0.4856% | 170 |
| Credit loss provision to net charge-offs | 79.7814% | 1,953 |
| Earnings coverage of net charge-offs (x) | -6.5355% | 2,677 |
| Efficiency ratio | 150.5708% | 34 |
| Assets per employee ($millions) | 9.4664% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1345% | 3,201 |
| Loan loss allowance to noncurrent loans | 62.5862% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 1,073 |
| Noncurrent loans to loans | 1.8127% | 463 |
| Net loans and leases to total assets | 33.4171% | 4,395 |
| Net loans and leases to deposits | 37.6685% | 4,421 |
| Net loans and leases to core deposits | 39.9248% | 4,390 |
| Total domestic deposits to total assets | 88.7138% | 1,655 |
| Equity capital to assets | 9.4048% | 3,217 |
| Core capital (leverage) ratio | 10.6456% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3839% | 613 |
| Memoranda: | ||
| Average total assets | $96,247,000 | 4,030 |
| Average earning assets | $89,927,600 | 4,026 |
| Average equity | $9,698,600 | 4,165 |
| Average total loans | $37,688,000 | 4,238 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8856% | 4,192 |
| Cost of funding earning assets | 0.4280% | 1,495 |
| Net interest margin | 2.4575% | 4,339 |
| Noninterest income to average assets | 0.1462% | 4,464 |
| Noninterest expense to average assets | 4.0050% | 282 |
| Loan and lease loss provision to assets | 0.1035% | 1,167 |
| Net operating income to assets | -1.6335% | 4,882 |
| Return on assets (ROA) | -1.6335% | 4,882 |
| Pretax return on assets | -1.6652% | 4,881 |
| Return on Equity (ROE) | -15.9498% | 4,894 |
| Retained earnings to average equity (ytd only) | -15.9498% | 4,870 |
| Net charge-offs to loans | 0.3000% | 263 |
| Credit loss provision to net charge-offs | 85.2273% | 1,694 |
| Earnings coverage of net charge-offs (x) | -12.8636% | 2,441 |
| Efficiency ratio | 163.9187% | 30 |
| Assets per employee ($millions) | 9.3926% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0674% | 3,590 |
| Loan loss allowance to noncurrent loans | 72.1190% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 0.5728% | 1,347 |
| Noncurrent loans to loans | 1.4800% | 716 |
| Net loans and leases to total assets | 38.2887% | 4,285 |
| Net loans and leases to deposits | 43.5329% | 4,327 |
| Net loans and leases to core deposits | 46.7647% | 4,290 |
| Total domestic deposits to total assets | 87.9533% | 1,875 |
| Equity capital to assets | 9.8184% | 3,085 |
| Core capital (leverage) ratio | 10.6281% | 1,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1067% | 480 |
| Memoranda: | ||
| Average total assets | $96,642,750 | 4,073 |
| Average earning assets | $90,332,750 | 4,062 |
| Average equity | $9,897,500 | 4,198 |
| Average total loans | $39,110,750 | 4,272 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8491% | 4,288 |
| Cost of funding earning assets | 0.4452% | 1,553 |
| Net interest margin | 2.4038% | 4,414 |
| Noninterest income to average assets | 0.1394% | 4,503 |
| Noninterest expense to average assets | 3.9201% | 307 |
| Loan and lease loss provision to assets | 0.1353% | 908 |
| Net operating income to assets | -1.6402% | 4,917 |
| Return on assets (ROA) | -1.6402% | 4,917 |
| Pretax return on assets | -1.6689% | 4,914 |
| Return on Equity (ROE) | -15.8061% | 4,929 |
| Retained earnings to average equity (ytd only) | -15.8061% | 4,907 |
| Net charge-offs to loans | 0.3048% | 284 |
| Credit loss provision to net charge-offs | 108.1967% | 1,319 |
| Earnings coverage of net charge-offs (x) | -12.2623% | 2,231 |
| Efficiency ratio | 164.2612% | 32 |
| Assets per employee ($millions) | 10.6079% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0283% | 3,731 |
| Loan loss allowance to noncurrent loans | 71.8584% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5918% | 1,411 |
| Noncurrent loans to loans | 1.4311% | 812 |
| Net loans and leases to total assets | 40.9287% | 4,243 |
| Net loans and leases to deposits | 46.7925% | 4,276 |
| Net loans and leases to core deposits | 49.8978% | 4,237 |
| Total domestic deposits to total assets | 87.4684% | 2,110 |
| Equity capital to assets | 10.1560% | 2,718 |
| Core capital (leverage) ratio | 10.6917% | 1,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0643% | 480 |
| Memoranda: | ||
| Average total assets | $97,548,333 | 4,086 |
| Average earning assets | $91,188,000 | 4,072 |
| Average equity | $10,122,667 | 4,186 |
| Average total loans | $40,030,667 | 4,276 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9275% | 4,217 |
| Cost of funding earning assets | 0.4591% | 1,657 |
| Net interest margin | 2.4685% | 4,344 |
| Noninterest income to average assets | 0.1298% | 4,554 |
| Noninterest expense to average assets | 3.8179% | 329 |
| Loan and lease loss provision to assets | 0.2313% | 485 |
| Net operating income to assets | -1.5661% | 4,947 |
| Return on assets (ROA) | -1.5661% | 4,946 |
| Pretax return on assets | -1.6067% | 4,943 |
| Return on Equity (ROE) | -14.9381% | 4,952 |
| Retained earnings to average equity (ytd only) | -14.9381% | 4,881 |
| Net charge-offs to loans | 0.4764% | 176 |
| Credit loss provision to net charge-offs | 118.7500% | 1,049 |
| Earnings coverage of net charge-offs (x) | -7.0625% | 1,915 |
| Efficiency ratio | 156.3123% | 30 |
| Assets per employee ($millions) | 11.0322% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,832 |
| Loan loss allowance to noncurrent loans | 66.2359% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 0.6234% | 1,526 |
| Noncurrent loans to loans | 1.5118% | 826 |
| Net loans and leases to total assets | 40.8238% | 4,296 |
| Net loans and leases to deposits | 46.4978% | 4,325 |
| Net loans and leases to core deposits | 49.6047% | 4,316 |
| Total domestic deposits to total assets | 87.7974% | 1,945 |
| Equity capital to assets | 9.8278% | 2,868 |
| Core capital (leverage) ratio | 11.4863% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8120% | 362 |
| Memoranda: | ||
| Average total assets | $98,587,000 | 4,090 |
| Average earning assets | $92,364,500 | 4,071 |
| Average equity | $10,336,000 | 4,178 |
| Average total loans | $40,305,500 | 4,297 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9421% | 4,677 |
| Cost of funding earning assets | 0.7868% | 1,263 |
| Net interest margin | 2.1554% | 4,782 |
| Noninterest income to average assets | 0.1499% | 4,546 |
| Noninterest expense to average assets | 2.5138% | 2,806 |
| Loan and lease loss provision to assets | 0.1297% | 2,740 |
| Net operating income to assets | -0.3730% | 4,856 |
| Return on assets (ROA) | -0.2680% | 4,845 |
| Pretax return on assets | -0.3477% | 4,853 |
| Return on Equity (ROE) | -2.2649% | 4,853 |
| Retained earnings to average equity (ytd only) | -2.2649% | 4,726 |
| Net charge-offs to loans | 0.3660% | 476 |
| Credit loss provision to net charge-offs | 81.3333% | 2,980 |
| Earnings coverage of net charge-offs (x) | -2.2000% | 3,362 |
| Efficiency ratio | 116.2242% | 90 |
| Assets per employee ($millions) | 9.7781% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 3,827 |
| Loan loss allowance to noncurrent loans | 64.4695% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 1,651 |
| Noncurrent loans to loans | 1.5681% | 845 |
| Net loans and leases to total assets | 40.1571% | 4,432 |
| Net loans and leases to deposits | 49.4241% | 4,337 |
| Net loans and leases to core deposits | 53.4471% | 4,286 |
| Total domestic deposits to total assets | 81.2499% | 3,823 |
| Equity capital to assets | 11.2517% | 2,055 |
| Core capital (leverage) ratio | 12.3529% | 1,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9520% | 322 |
| Memoranda: | ||
| Average total assets | $94,039,200 | 4,066 |
| Average earning assets | $87,827,000 | 4,053 |
| Average equity | $11,126,400 | 4,062 |
| Average total loans | $40,989,000 | 4,291 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9588% | 4,759 |
| Cost of funding earning assets | 0.8703% | 1,173 |
| Net interest margin | 2.0885% | 4,858 |
| Noninterest income to average assets | 0.1518% | 4,540 |
| Noninterest expense to average assets | 2.5061% | 2,817 |
| Loan and lease loss provision to assets | 0.0440% | 3,807 |
| Net operating income to assets | -0.3451% | 4,868 |
| Return on assets (ROA) | -0.3451% | 4,876 |
| Pretax return on assets | -0.4468% | 4,889 |
| Return on Equity (ROE) | -2.8799% | 4,880 |
| Retained earnings to average equity (ytd only) | -2.8799% | 4,766 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.1287% | 79 |
| Assets per employee ($millions) | 9.7024% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,248 |
| Loan loss allowance to noncurrent loans | 63.8387% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 1,575 |
| Noncurrent loans to loans | 1.7113% | 800 |
| Net loans and leases to total assets | 42.8296% | 4,469 |
| Net loans and leases to deposits | 53.6748% | 4,348 |
| Net loans and leases to core deposits | 57.5419% | 4,317 |
| Total domestic deposits to total assets | 79.7947% | 3,904 |
| Equity capital to assets | 11.5549% | 1,962 |
| Core capital (leverage) ratio | 12.3312% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.5908% | 289 |
| Memoranda: | ||
| Average total assets | $93,103,750 | 4,078 |
| Average earning assets | $87,016,000 | 4,069 |
| Average equity | $11,157,500 | 4,069 |
| Average total loans | $41,319,500 | 4,313 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0869% | 4,793 |
| Cost of funding earning assets | 0.9356% | 1,212 |
| Net interest margin | 2.1513% | 4,899 |
| Noninterest income to average assets | 0.1547% | 4,526 |
| Noninterest expense to average assets | 2.5840% | 2,717 |
| Loan and lease loss provision to assets | 0.0458% | 3,724 |
| Net operating income to assets | -0.3638% | 4,893 |
| Return on assets (ROA) | -0.3638% | 4,894 |
| Pretax return on assets | -0.4662% | 4,896 |
| Return on Equity (ROE) | -2.9983% | 4,893 |
| Retained earnings to average equity (ytd only) | -2.9983% | 4,656 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.4361% | 95 |
| Assets per employee ($millions) | 9.8850% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,299 |
| Loan loss allowance to noncurrent loans | 59.8404% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 0.7607% | 1,629 |
| Noncurrent loans to loans | 1.7626% | 805 |
| Net loans and leases to total assets | 42.7061% | 4,509 |
| Net loans and leases to deposits | 53.4746% | 4,400 |
| Net loans and leases to core deposits | 57.2679% | 4,387 |
| Total domestic deposits to total assets | 79.8624% | 3,866 |
| Equity capital to assets | 11.4598% | 1,999 |
| Core capital (leverage) ratio | 12.7523% | 1,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6904% | 315 |
| Memoranda: | ||
| Average total assets | $91,797,000 | 4,101 |
| Average earning assets | $85,717,000 | 4,089 |
| Average equity | $11,139,667 | 4,083 |
| Average total loans | $41,088,000 | 4,335 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3391% | 4,787 |
| Cost of funding earning assets | 1.0120% | 1,370 |
| Net interest margin | 2.3271% | 4,910 |
| Noninterest income to average assets | 0.1767% | 4,487 |
| Noninterest expense to average assets | 2.6781% | 2,761 |
| Loan and lease loss provision to assets | 0.0498% | 3,154 |
| Net operating income to assets | -0.3081% | 4,891 |
| Return on assets (ROA) | -0.3081% | 4,864 |
| Pretax return on assets | -0.3942% | 4,861 |
| Return on Equity (ROE) | -2.4625% | 4,852 |
| Retained earnings to average equity (ytd only) | -2.4625% | 4,297 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.7573% | 122 |
| Assets per employee ($millions) | 8.0818% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1222% | 3,079 |
| Loan loss allowance to noncurrent loans | 72.2496% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 1,952 |
| Noncurrent loans to loans | 1.5533% | 1,010 |
| Net loans and leases to total assets | 43.6085% | 4,521 |
| Net loans and leases to deposits | 51.8136% | 4,528 |
| Net loans and leases to core deposits | 55.8899% | 4,494 |
| Total domestic deposits to total assets | 84.1642% | 2,726 |
| Equity capital to assets | 12.7750% | 1,565 |
| Core capital (leverage) ratio | 12.9755% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1147% | 356 |
| Memoranda: | ||
| Average total assets | $88,270,500 | 4,153 |
| Average earning assets | $81,819,000 | 4,143 |
| Average equity | $11,045,500 | 4,115 |
| Average total loans | $40,299,500 | 4,368 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4117% | 4,914 |
| Cost of funding earning assets | 0.8270% | 2,541 |
| Net interest margin | 2.5847% | 4,918 |
| Noninterest income to average assets | 0.2097% | 4,410 |
| Noninterest expense to average assets | 3.0355% | 1,923 |
| Loan and lease loss provision to assets | 0.1107% | 1,885 |
| Net operating income to assets | -0.4217% | 5,042 |
| Return on assets (ROA) | -0.4217% | 5,053 |
| Pretax return on assets | -0.5548% | 5,058 |
| Return on Equity (ROE) | -3.4028% | 5,055 |
| Retained earnings to average equity (ytd only) | -3.4028% | 4,927 |
| Net charge-offs to loans | 0.1713% | 1,178 |
| Credit loss provision to net charge-offs | 128.7671% | 1,982 |
| Earnings coverage of net charge-offs (x) | -5.1644% | 3,682 |
| Efficiency ratio | 117.1364% | 81 |
| Assets per employee ($millions) | 7.9707% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,294 |
| Loan loss allowance to noncurrent loans | 183.3333% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 3,361 |
| Noncurrent loans to loans | 0.5653% | 2,486 |
| Net loans and leases to total assets | 46.7187% | 4,492 |
| Net loans and leases to deposits | 55.2980% | 4,487 |
| Net loans and leases to core deposits | 59.2176% | 4,473 |
| Total domestic deposits to total assets | 84.4853% | 2,689 |
| Equity capital to assets | 12.0817% | 2,088 |
| Core capital (leverage) ratio | 13.3933% | 1,083 |
| Tier 1 risk-based capital ratio | 25.8594% | 689 |
| Total risk-based capital ratio | 26.8114% | 692 |
| Memoranda: | ||
| Average total assets | $84,896,800 | 4,216 |
| Average earning assets | $78,230,000 | 4,211 |
| Average equity | $10,520,800 | 4,174 |
| Average total loans | $42,617,800 | 4,350 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 4,989 |
| Cost of funding earning assets | 0.7689% | 2,874 |
| Net interest margin | 2.6783% | 4,955 |
| Noninterest income to average assets | 0.2217% | 4,403 |
| Noninterest expense to average assets | 3.0957% | 1,722 |
| Loan and lease loss provision to assets | 0.0412% | 3,082 |
| Net operating income to assets | -0.3420% | 5,121 |
| Return on assets (ROA) | -0.3420% | 5,130 |
| Pretax return on assets | -0.4497% | 5,134 |
| Return on Equity (ROE) | -2.7420% | 5,134 |
| Retained earnings to average equity (ytd only) | -2.7420% | 4,974 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2033% | 89 |
| Assets per employee ($millions) | 7.9944% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,437 |
| Loan loss allowance to noncurrent loans | 147.6190% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 3,197 |
| Noncurrent loans to loans | 0.6939% | 2,222 |
| Net loans and leases to total assets | 47.6904% | 4,520 |
| Net loans and leases to deposits | 56.5484% | 4,533 |
| Net loans and leases to core deposits | 60.2644% | 4,528 |
| Total domestic deposits to total assets | 84.3356% | 2,698 |
| Equity capital to assets | 12.1665% | 2,139 |
| Core capital (leverage) ratio | 13.5761% | 1,107 |
| Tier 1 risk-based capital ratio | 25.6767% | 727 |
| Total risk-based capital ratio | 26.6225% | 737 |
| Memoranda: | ||
| Average total assets | $84,201,500 | 4,276 |
| Average earning assets | $77,510,500 | 4,271 |
| Average equity | $10,502,750 | 4,227 |
| Average total loans | $42,924,500 | 4,391 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4509% | 5,044 |
| Cost of funding earning assets | 0.6881% | 3,232 |
| Net interest margin | 2.7628% | 4,954 |
| Noninterest income to average assets | 0.2387% | 4,327 |
| Noninterest expense to average assets | 3.1921% | 1,530 |
| Loan and lease loss provision to assets | 0.0627% | 2,566 |
| Net operating income to assets | -0.3785% | 5,177 |
| Return on assets (ROA) | -0.3785% | 5,183 |
| Pretax return on assets | -0.4798% | 5,191 |
| Return on Equity (ROE) | -3.0084% | 5,186 |
| Retained earnings to average equity (ytd only) | -3.0084% | 4,970 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0304% | 84 |
| Assets per employee ($millions) | 7.7300% | 736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,616 |
| Loan loss allowance to noncurrent loans | 678.1250% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,386 |
| Noncurrent loans to loans | 0.1475% | 4,026 |
| Net loans and leases to total assets | 50.5139% | 4,444 |
| Net loans and leases to deposits | 61.2279% | 4,365 |
| Net loans and leases to core deposits | 64.7267% | 4,376 |
| Total domestic deposits to total assets | 82.5015% | 3,373 |
| Equity capital to assets | 12.5215% | 1,846 |
| Core capital (leverage) ratio | 14.3437% | 870 |
| Tier 1 risk-based capital ratio | 25.9823% | 692 |
| Total risk-based capital ratio | 26.9355% | 690 |
| Memoranda: | ||
| Average total assets | $82,956,000 | 4,329 |
| Average earning assets | $76,154,330 | 4,328 |
| Average equity | $10,437,330 | 4,242 |
| Average total loans | $43,108,670 | 4,415 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 5,049 |
| Cost of funding earning assets | 0.6243% | 3,438 |
| Net interest margin | 2.8705% | 4,913 |
| Noninterest income to average assets | 0.2148% | 4,458 |
| Noninterest expense to average assets | 3.1690% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2490% | 5,214 |
| Return on assets (ROA) | -0.2490% | 5,212 |
| Pretax return on assets | -0.3272% | 5,221 |
| Return on Equity (ROE) | -1.9744% | 5,215 |
| Retained earnings to average equity (ytd only) | -1.9744% | 4,743 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5120% | 98 |
| Assets per employee ($millions) | 7.6190% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 3,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 50.1402% | 4,459 |
| Net loans and leases to deposits | 60.5557% | 4,384 |
| Net loans and leases to core deposits | 63.9682% | 4,379 |
| Total domestic deposits to total assets | 82.8002% | 3,458 |
| Equity capital to assets | 12.4700% | 1,754 |
| Core capital (leverage) ratio | 14.8154% | 739 |
| Tier 1 risk-based capital ratio | 26.2835% | 667 |
| Total risk-based capital ratio | 27.1829% | 676 |
| Memoranda: | ||
| Average total assets | $81,919,000 | 4,384 |
| Average earning assets | $74,969,000 | 4,390 |
| Average equity | $10,332,500 | 4,282 |
| Average total loans | $42,970,000 | 4,464 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5057% | 4,908 |
| Cost of funding earning assets | 0.4229% | 3,836 |
| Net interest margin | 3.0828% | 4,677 |
| Noninterest income to average assets | 0.2115% | 4,641 |
| Noninterest expense to average assets | 2.9814% | 2,093 |
| Loan and lease loss provision to assets | 0.0048% | 4,016 |
| Net operating income to assets | 0.0423% | 5,213 |
| Return on assets (ROA) | 0.0423% | 5,207 |
| Pretax return on assets | 0.0532% | 5,205 |
| Return on Equity (ROE) | 0.3363% | 5,208 |
| Retained earnings to average equity (ytd only) | 0.3363% | 4,899 |
| Net charge-offs to loans | 0.2259% | 862 |
| Credit loss provision to net charge-offs | 3.8835% | 3,445 |
| Earnings coverage of net charge-offs (x) | 0.4660% | 3,694 |
| Efficiency ratio | 98.0915% | 171 |
| Assets per employee ($millions) | 7.2718% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 53.8217% | 4,292 |
| Net loans and leases to deposits | 66.4711% | 4,084 |
| Net loans and leases to core deposits | 68.7874% | 4,188 |
| Total domestic deposits to total assets | 80.9701% | 3,896 |
| Equity capital to assets | 13.1454% | 1,278 |
| Core capital (leverage) ratio | 14.9972% | 693 |
| Tier 1 risk-based capital ratio | 25.8771% | 677 |
| Total risk-based capital ratio | 26.7634% | 690 |
| Memoranda: | ||
| Average total assets | $82,747,600 | 4,384 |
| Average earning assets | $75,905,800 | 4,385 |
| Average equity | $10,408,000 | 4,248 |
| Average total loans | $45,585,600 | 4,419 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4808% | 4,946 |
| Cost of funding earning assets | 0.3813% | 3,988 |
| Net interest margin | 3.0995% | 4,706 |
| Noninterest income to average assets | 0.2093% | 4,709 |
| Noninterest expense to average assets | 2.9690% | 2,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.0671% | 5,268 |
| Return on assets (ROA) | 0.0671% | 5,261 |
| Pretax return on assets | 0.0847% | 5,256 |
| Return on Equity (ROE) | 0.5394% | 5,264 |
| Retained earnings to average equity (ytd only) | 0.5394% | 4,945 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2266% | 185 |
| Assets per employee ($millions) | 7.4962% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1693% | 2,798 |
| Loan loss allowance to noncurrent loans | 140.4432% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.4378% | 2,934 |
| Noncurrent loans to loans | 0.8325% | 2,044 |
| Net loans and leases to total assets | 51.9707% | 4,485 |
| Net loans and leases to deposits | 64.3309% | 4,310 |
| Net loans and leases to core deposits | 67.0306% | 4,353 |
| Total domestic deposits to total assets | 80.7866% | 3,928 |
| Equity capital to assets | 12.3348% | 1,680 |
| Core capital (leverage) ratio | 14.9625% | 713 |
| Tier 1 risk-based capital ratio | 26.3231% | 661 |
| Total risk-based capital ratio | 27.4440% | 656 |
| Memoranda: | ||
| Average total assets | $83,437,000 | 4,415 |
| Average earning assets | $76,570,250 | 4,418 |
| Average equity | $10,381,250 | 4,291 |
| Average total loans | $46,117,000 | 4,443 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5013% | 4,919 |
| Cost of funding earning assets | 0.3671% | 3,961 |
| Net interest margin | 3.1343% | 4,653 |
| Noninterest income to average assets | 0.2053% | 4,788 |
| Noninterest expense to average assets | 2.9368% | 2,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1122% | 5,284 |
| Return on assets (ROA) | 0.1122% | 5,276 |
| Pretax return on assets | 0.1433% | 5,277 |
| Return on Equity (ROE) | 0.8994% | 5,281 |
| Retained earnings to average equity (ytd only) | 0.8994% | 4,780 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3488% | 232 |
| Assets per employee ($millions) | 6.7811% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 3,127 |
| Loan loss allowance to noncurrent loans | 150.8929% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4129% | 3,072 |
| Noncurrent loans to loans | 0.7448% | 2,242 |
| Net loans and leases to total assets | 54.8155% | 4,265 |
| Net loans and leases to deposits | 65.0911% | 4,213 |
| Net loans and leases to core deposits | 67.7332% | 4,269 |
| Total domestic deposits to total assets | 84.2134% | 2,983 |
| Equity capital to assets | 12.6959% | 1,443 |
| Core capital (leverage) ratio | 14.3306% | 819 |
| Tier 1 risk-based capital ratio | 25.8955% | 682 |
| Total risk-based capital ratio | 26.9989% | 668 |
| Memoranda: | ||
| Average total assets | $83,763,330 | 4,455 |
| Average earning assets | $76,827,670 | 4,455 |
| Average equity | $10,451,330 | 4,316 |
| Average total loans | $47,035,670 | 4,461 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 4,826 |
| Cost of funding earning assets | 0.3533% | 3,960 |
| Net interest margin | 3.1747% | 4,544 |
| Noninterest income to average assets | 0.1977% | 4,836 |
| Noninterest expense to average assets | 2.9285% | 2,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1460% | 5,290 |
| Return on assets (ROA) | 0.1460% | 5,287 |
| Pretax return on assets | 0.1883% | 5,273 |
| Return on Equity (ROE) | 1.1797% | 5,291 |
| Retained earnings to average equity (ytd only) | 1.1797% | 4,580 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9577% | 299 |
| Assets per employee ($millions) | 7.0338% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0859% | 3,474 |
| Loan loss allowance to noncurrent loans | 76.7020% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7831% | 2,009 |
| Noncurrent loans to loans | 1.4157% | 1,256 |
| Net loans and leases to total assets | 54.7153% | 4,227 |
| Net loans and leases to deposits | 63.2644% | 4,257 |
| Net loans and leases to core deposits | 68.8446% | 4,166 |
| Total domestic deposits to total assets | 86.4867% | 2,324 |
| Equity capital to assets | 12.3001% | 1,600 |
| Core capital (leverage) ratio | 14.1300% | 846 |
| Tier 1 risk-based capital ratio | 25.2346% | 736 |
| Total risk-based capital ratio | 26.3133% | 735 |
| Memoranda: | ||
| Average total assets | $84,958,500 | 4,475 |
| Average earning assets | $78,116,500 | 4,488 |
| Average equity | $10,511,500 | 4,350 |
| Average total loans | $47,997,500 | 4,488 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4379% | 4,882 |
| Cost of funding earning assets | 0.3255% | 3,911 |
| Net interest margin | 3.1124% | 4,665 |
| Noninterest income to average assets | 0.2667% | 4,529 |
| Noninterest expense to average assets | 3.0233% | 2,094 |
| Loan and lease loss provision to assets | 0.0454% | 3,331 |
| Net operating income to assets | -0.4174% | 5,507 |
| Return on assets (ROA) | -0.3927% | 5,499 |
| Pretax return on assets | 0.0794% | 5,388 |
| Return on Equity (ROE) | -3.1970% | 5,491 |
| Retained earnings to average equity (ytd only) | -3.1970% | 5,353 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2263% | 224 |
| Assets per employee ($millions) | 6.1186% | 1,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 3,764 |
| Loan loss allowance to noncurrent loans | 78.8491% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 2,087 |
| Noncurrent loans to loans | 1.3013% | 1,340 |
| Net loans and leases to total assets | 57.0908% | 4,103 |
| Net loans and leases to deposits | 66.2351% | 4,168 |
| Net loans and leases to core deposits | 71.7341% | 4,068 |
| Total domestic deposits to total assets | 86.1943% | 2,351 |
| Equity capital to assets | 12.3605% | 1,593 |
| Core capital (leverage) ratio | 13.5682% | 942 |
| Tier 1 risk-based capital ratio | 24.8246% | 738 |
| Total risk-based capital ratio | 25.8962% | 739 |
| Memoranda: | ||
| Average total assets | $88,114,800 | 4,458 |
| Average earning assets | $80,485,800 | 4,455 |
| Average equity | $10,822,600 | 4,330 |
| Average total loans | $49,014,000 | 4,483 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3615% | 5,019 |
| Cost of funding earning assets | 0.3249% | 3,891 |
| Net interest margin | 3.0366% | 4,837 |
| Noninterest income to average assets | 0.2810% | 4,507 |
| Noninterest expense to average assets | 3.0174% | 2,069 |
| Loan and lease loss provision to assets | 0.0240% | 3,663 |
| Net operating income to assets | 0.0056% | 5,509 |
| Return on assets (ROA) | 0.0526% | 5,485 |
| Pretax return on assets | 0.0571% | 5,483 |
| Return on Equity (ROE) | 0.4289% | 5,487 |
| Retained earnings to average equity (ytd only) | 0.4289% | 5,124 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0138% | 191 |
| Assets per employee ($millions) | 6.1869% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 4,291 |
| Loan loss allowance to noncurrent loans | 76.6667% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 2,327 |
| Noncurrent loans to loans | 1.2486% | 1,530 |
| Net loans and leases to total assets | 57.6949% | 4,093 |
| Net loans and leases to deposits | 67.1933% | 4,168 |
| Net loans and leases to core deposits | 73.7957% | 3,993 |
| Total domestic deposits to total assets | 85.8640% | 2,365 |
| Equity capital to assets | 12.7344% | 1,526 |
| Core capital (leverage) ratio | 13.3747% | 1,074 |
| Tier 1 risk-based capital ratio | 23.5668% | 888 |
| Total risk-based capital ratio | 24.5380% | 907 |
| Memoranda: | ||
| Average total assets | $88,728,500 | 4,492 |
| Average earning assets | $80,834,750 | 4,494 |
| Average equity | $10,881,250 | 4,364 |
| Average total loans | $48,914,750 | 4,531 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3307% | 5,059 |
| Cost of funding earning assets | 0.3222% | 3,864 |
| Net interest margin | 3.0084% | 4,897 |
| Noninterest income to average assets | 0.3265% | 4,213 |
| Noninterest expense to average assets | 3.0392% | 2,012 |
| Loan and lease loss provision to assets | 0.0134% | 3,684 |
| Net operating income to assets | 0.0077% | 5,549 |
| Return on assets (ROA) | 0.0716% | 5,521 |
| Pretax return on assets | 0.0850% | 5,521 |
| Return on Equity (ROE) | 0.5909% | 5,518 |
| Retained earnings to average equity (ytd only) | 0.5909% | 4,958 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2695% | 197 |
| Assets per employee ($millions) | 5.8720% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 4,196 |
| Loan loss allowance to noncurrent loans | 78.2753% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6846% | 2,501 |
| Noncurrent loans to loans | 1.2669% | 1,524 |
| Net loans and leases to total assets | 53.5025% | 4,436 |
| Net loans and leases to deposits | 63.7833% | 4,382 |
| Net loans and leases to core deposits | 69.7776% | 4,242 |
| Total domestic deposits to total assets | 83.8817% | 3,247 |
| Equity capital to assets | 12.4398% | 1,652 |
| Core capital (leverage) ratio | 13.3723% | 1,032 |
| Tier 1 risk-based capital ratio | 24.4903% | 807 |
| Total risk-based capital ratio | 25.4722% | 804 |
| Memoranda: | ||
| Average total assets | $89,432,670 | 4,506 |
| Average earning assets | $81,304,670 | 4,510 |
| Average equity | $10,831,670 | 4,383 |
| Average total loans | $48,401,000 | 4,567 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3622% | 5,012 |
| Cost of funding earning assets | 0.3225% | 3,827 |
| Net interest margin | 3.0397% | 4,809 |
| Noninterest income to average assets | 0.3063% | 4,374 |
| Noninterest expense to average assets | 3.0274% | 2,089 |
| Loan and lease loss provision to assets | 0.0133% | 3,392 |
| Net operating income to assets | 0.0311% | 5,588 |
| Return on assets (ROA) | 0.0311% | 5,595 |
| Pretax return on assets | 0.0266% | 5,591 |
| Return on Equity (ROE) | 0.2600% | 5,590 |
| Retained earnings to average equity (ytd only) | 0.2600% | 4,853 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6975% | 250 |
| Assets per employee ($millions) | 5.9729% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9571% | 4,513 |
| Loan loss allowance to noncurrent loans | 74.8408% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 2,541 |
| Noncurrent loans to loans | 1.2789% | 1,575 |
| Net loans and leases to total assets | 54.2838% | 4,317 |
| Net loans and leases to deposits | 65.8797% | 4,182 |
| Net loans and leases to core deposits | 72.3541% | 3,959 |
| Total domestic deposits to total assets | 82.3984% | 4,060 |
| Equity capital to assets | 12.0544% | 1,796 |
| Core capital (leverage) ratio | 13.0764% | 1,115 |
| Tier 1 risk-based capital ratio | 24.8445% | 787 |
| Total risk-based capital ratio | 25.8491% | 789 |
| Memoranda: | ||
| Average total assets | $90,109,000 | 4,541 |
| Average earning assets | $81,850,000 | 4,555 |
| Average equity | $10,769,000 | 4,424 |
| Average total loans | $48,803,000 | 4,597 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3579% | 5,061 |
| Cost of funding earning assets | 0.4146% | 2,865 |
| Net interest margin | 2.9433% | 5,059 |
| Noninterest income to average assets | 0.2267% | 5,054 |
| Noninterest expense to average assets | 3.0731% | 2,115 |
| Loan and lease loss provision to assets | 0.0043% | 4,268 |
| Net operating income to assets | -0.2727% | 5,733 |
| Return on assets (ROA) | -0.1379% | 5,709 |
| Pretax return on assets | -0.0588% | 5,678 |
| Return on Equity (ROE) | -1.1437% | 5,711 |
| Retained earnings to average equity (ytd only) | -1.1437% | 5,460 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5628% | 153 |
| Assets per employee ($millions) | 6.0416% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 4,511 |
| Loan loss allowance to noncurrent loans | 74.0095% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 0.6963% | 2,634 |
| Noncurrent loans to loans | 1.3010% | 1,576 |
| Net loans and leases to total assets | 53.0036% | 4,526 |
| Net loans and leases to deposits | 63.7301% | 4,433 |
| Net loans and leases to core deposits | 69.5913% | 4,272 |
| Total domestic deposits to total assets | 83.1689% | 3,707 |
| Equity capital to assets | 11.8490% | 1,905 |
| Core capital (leverage) ratio | 12.8439% | 1,190 |
| Tier 1 risk-based capital ratio | 25.8356% | 706 |
| Total risk-based capital ratio | 26.8687% | 706 |
| Memoranda: | ||
| Average total assets | $93,522,600 | 4,481 |
| Average earning assets | $84,427,800 | 4,510 |
| Average equity | $11,279,600 | 4,381 |
| Average total loans | $48,438,200 | 4,619 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 5,170 |
| Cost of funding earning assets | 0.4320% | 2,713 |
| Net interest margin | 2.8972% | 5,193 |
| Noninterest income to average assets | 0.2433% | 5,019 |
| Noninterest expense to average assets | 3.0232% | 2,249 |
| Loan and lease loss provision to assets | 0.0057% | 4,114 |
| Net operating income to assets | -0.1500% | 5,777 |
| Return on assets (ROA) | 0.0283% | 5,723 |
| Pretax return on assets | 0.0113% | 5,725 |
| Return on Equity (ROE) | 0.2336% | 5,725 |
| Retained earnings to average equity (ytd only) | 0.2336% | 5,286 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6352% | 161 |
| Assets per employee ($millions) | 6.1166% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 4,605 |
| Loan loss allowance to noncurrent loans | 79.9658% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 2,997 |
| Noncurrent loans to loans | 1.2047% | 1,864 |
| Net loans and leases to total assets | 52.3275% | 4,631 |
| Net loans and leases to deposits | 63.5061% | 4,524 |
| Net loans and leases to core deposits | 69.3205% | 4,377 |
| Total domestic deposits to total assets | 82.3976% | 3,810 |
| Equity capital to assets | 12.5233% | 1,764 |
| Core capital (leverage) ratio | 12.1835% | 1,557 |
| Tier 1 risk-based capital ratio | 25.0782% | 809 |
| Total risk-based capital ratio | 26.0794% | 814 |
| Memoranda: | ||
| Average total assets | $94,247,250 | 4,498 |
| Average earning assets | $85,184,250 | 4,527 |
| Average equity | $11,415,000 | 4,391 |
| Average total loans | $48,422,500 | 4,660 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2882% | 5,309 |
| Cost of funding earning assets | 0.4381% | 2,670 |
| Net interest margin | 2.8501% | 5,348 |
| Noninterest income to average assets | 0.1809% | 5,410 |
| Noninterest expense to average assets | 2.9701% | 2,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2019% | 5,850 |
| Return on assets (ROA) | 0.0294% | 5,777 |
| Pretax return on assets | 0.0147% | 5,784 |
| Return on Equity (ROE) | 0.2458% | 5,776 |
| Retained earnings to average equity (ytd only) | 0.2458% | 5,230 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8686% | 157 |
| Assets per employee ($millions) | 6.5385% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9178% | 4,894 |
| Loan loss allowance to noncurrent loans | 75.4072% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 3,126 |
| Noncurrent loans to loans | 1.2172% | 1,887 |
| Net loans and leases to total assets | 50.9610% | 4,769 |
| Net loans and leases to deposits | 62.5443% | 4,611 |
| Net loans and leases to core deposits | 68.9564% | 4,404 |
| Total domestic deposits to total assets | 81.4799% | 4,146 |
| Equity capital to assets | 11.7173% | 2,343 |
| Core capital (leverage) ratio | 12.2756% | 1,468 |
| Tier 1 risk-based capital ratio | 24.5224% | 852 |
| Total risk-based capital ratio | 25.4944% | 864 |
| Memoranda: | ||
| Average total assets | $95,080,000 | 4,515 |
| Average earning assets | $85,823,000 | 4,546 |
| Average equity | $11,390,000 | 4,423 |
| Average total loans | $48,404,330 | 4,700 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1534% | 5,541 |
| Cost of funding earning assets | 0.4471% | 2,617 |
| Net interest margin | 2.7063% | 5,612 |
| Noninterest income to average assets | 0.1795% | 5,424 |
| Noninterest expense to average assets | 2.8937% | 2,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.2564% | 5,900 |
| Return on assets (ROA) | 0.0898% | 5,742 |
| Pretax return on assets | 0.0983% | 5,735 |
| Return on Equity (ROE) | 0.7408% | 5,734 |
| Retained earnings to average equity (ytd only) | 0.7408% | 4,922 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8020% | 147 |
| Assets per employee ($millions) | 6.3586% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 4,710 |
| Loan loss allowance to noncurrent loans | 46.0239% | 4,922 |
| Noncurrent assets plus other real estate owned to assets | 1.0547% | 2,099 |
| Noncurrent loans to loans | 2.1307% | 980 |
| Net loans and leases to total assets | 49.0160% | 4,886 |
| Net loans and leases to deposits | 58.7073% | 4,802 |
| Net loans and leases to core deposits | 65.4492% | 4,582 |
| Total domestic deposits to total assets | 83.4922% | 3,712 |
| Equity capital to assets | 11.8957% | 2,095 |
| Core capital (leverage) ratio | 12.4455% | 1,356 |
| Tier 1 risk-based capital ratio | 25.5751% | 766 |
| Total risk-based capital ratio | 26.5894% | 772 |
| Memoranda: | ||
| Average total assets | $93,581,500 | 4,584 |
| Average earning assets | $84,100,000 | 4,617 |
| Average equity | $11,339,000 | 4,441 |
| Average total loans | $47,384,500 | 4,752 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2104% | 5,508 |
| Cost of funding earning assets | 0.4400% | 2,741 |
| Net interest margin | 2.7704% | 5,571 |
| Noninterest income to average assets | 0.2045% | 5,372 |
| Noninterest expense to average assets | 2.9751% | 2,626 |
| Loan and lease loss provision to assets | 0.0725% | 2,820 |
| Net operating income to assets | -0.1823% | 5,961 |
| Return on assets (ROA) | -0.0985% | 5,943 |
| Pretax return on assets | -0.2110% | 5,965 |
| Return on Equity (ROE) | -0.7931% | 5,932 |
| Retained earnings to average equity (ytd only) | -0.7931% | 5,632 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9600% | 141 |
| Assets per employee ($millions) | 6.1189% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 4,744 |
| Loan loss allowance to noncurrent loans | 159.1065% | 2,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3170% | 4,327 |
| Noncurrent loans to loans | 0.6119% | 3,344 |
| Net loans and leases to total assets | 51.3074% | 4,748 |
| Net loans and leases to deposits | 59.3839% | 4,820 |
| Net loans and leases to core deposits | 66.2204% | 4,573 |
| Total domestic deposits to total assets | 86.3996% | 2,431 |
| Equity capital to assets | 12.3464% | 1,709 |
| Core capital (leverage) ratio | 12.9216% | 1,176 |
| Tier 1 risk-based capital ratio | 29.2543% | 542 |
| Total risk-based capital ratio | 30.4082% | 537 |
| Memoranda: | ||
| Average total assets | $92,398,800 | 4,621 |
| Average earning assets | $83,417,600 | 4,650 |
| Average equity | $11,474,200 | 4,395 |
| Average total loans | $47,133,400 | 4,753 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2034% | 5,579 |
| Cost of funding earning assets | 0.4401% | 2,796 |
| Net interest margin | 2.7633% | 5,644 |
| Noninterest income to average assets | 0.1902% | 5,524 |
| Noninterest expense to average assets | 2.9561% | 2,654 |
| Loan and lease loss provision to assets | 0.0850% | 2,463 |
| Net operating income to assets | -0.1894% | 6,041 |
| Return on assets (ROA) | -0.0778% | 6,012 |
| Pretax return on assets | -0.1801% | 6,043 |
| Return on Equity (ROE) | -0.6256% | 6,003 |
| Retained earnings to average equity (ytd only) | -0.6256% | 5,704 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.0268% | 151 |
| Assets per employee ($millions) | 6.0849% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9549% | 4,959 |
| Loan loss allowance to noncurrent loans | 158.5366% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3144% | 4,508 |
| Noncurrent loans to loans | 0.6023% | 3,513 |
| Net loans and leases to total assets | 51.7042% | 4,780 |
| Net loans and leases to deposits | 60.0636% | 4,854 |
| Net loans and leases to core deposits | 67.1667% | 4,615 |
| Total domestic deposits to total assets | 86.0824% | 2,482 |
| Equity capital to assets | 12.6346% | 1,667 |
| Core capital (leverage) ratio | 12.7565% | 1,295 |
| Tier 1 risk-based capital ratio | 28.2979% | 598 |
| Total risk-based capital ratio | 29.3924% | 598 |
| Memoranda: | ||
| Average total assets | $92,552,500 | 4,663 |
| Average earning assets | $83,618,000 | 4,704 |
| Average equity | $11,509,750 | 4,436 |
| Average total loans | $47,028,000 | 4,808 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2210% | 5,587 |
| Cost of funding earning assets | 0.4406% | 2,834 |
| Net interest margin | 2.7803% | 5,658 |
| Noninterest income to average assets | 0.1893% | 5,556 |
| Noninterest expense to average assets | 2.9017% | 2,889 |
| Loan and lease loss provision to assets | 0.0796% | 2,520 |
| Net operating income to assets | -0.1729% | 6,088 |
| Return on assets (ROA) | -0.0366% | 6,048 |
| Pretax return on assets | -0.0817% | 6,059 |
| Return on Equity (ROE) | -0.2956% | 6,048 |
| Retained earnings to average equity (ytd only) | -0.2956% | 5,567 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.0064% | 196 |
| Assets per employee ($millions) | 6.1460% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 5,304 |
| Loan loss allowance to noncurrent loans | 102.6066% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 4,104 |
| Noncurrent loans to loans | 0.8758% | 2,938 |
| Net loans and leases to total assets | 51.7985% | 4,774 |
| Net loans and leases to deposits | 60.0018% | 4,853 |
| Net loans and leases to core deposits | 66.7491% | 4,591 |
| Total domestic deposits to total assets | 86.3282% | 2,515 |
| Equity capital to assets | 12.3885% | 1,734 |
| Core capital (leverage) ratio | 13.2303% | 1,080 |
| Tier 1 risk-based capital ratio | 32.2475% | 451 |
| Total risk-based capital ratio | 33.3841% | 448 |
| Memoranda: | ||
| Average total assets | $92,979,000 | 4,704 |
| Average earning assets | $83,515,670 | 4,748 |
| Average equity | $11,502,330 | 4,470 |
| Average total loans | $46,821,670 | 4,861 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2494% | 5,556 |
| Cost of funding earning assets | 0.4383% | 2,895 |
| Net interest margin | 2.8111% | 5,618 |
| Noninterest income to average assets | 0.1928% | 5,553 |
| Noninterest expense to average assets | 2.8445% | 3,087 |
| Loan and lease loss provision to assets | 0.1585% | 1,282 |
| Net operating income to assets | -0.2321% | 6,163 |
| Return on assets (ROA) | 0.1157% | 5,906 |
| Pretax return on assets | 0.1414% | 5,909 |
| Return on Equity (ROE) | 0.9356% | 5,919 |
| Retained earnings to average equity (ytd only) | 0.9356% | 5,089 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5669% | 263 |
| Assets per employee ($millions) | 6.6383% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8898% | 5,466 |
| Loan loss allowance to noncurrent loans | 102.8504% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 4,228 |
| Noncurrent loans to loans | 0.8651% | 3,083 |
| Net loans and leases to total assets | 51.8959% | 4,673 |
| Net loans and leases to deposits | 60.1492% | 4,738 |
| Net loans and leases to core deposits | 66.8450% | 4,440 |
| Total domestic deposits to total assets | 86.2787% | 2,780 |
| Equity capital to assets | 12.4215% | 1,740 |
| Core capital (leverage) ratio | 13.1736% | 1,100 |
| Tier 1 risk-based capital ratio | 29.2750% | 581 |
| Total risk-based capital ratio | 30.3036% | 582 |
| Memoranda: | ||
| Average total assets | $93,373,500 | 4,740 |
| Average earning assets | $83,954,000 | 4,778 |
| Average equity | $11,543,000 | 4,500 |
| Average total loans | $46,139,500 | 4,913 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2217% | 5,809 |
| Cost of funding earning assets | 0.4931% | 2,734 |
| Net interest margin | 2.7286% | 5,900 |
| Noninterest income to average assets | 0.1845% | 5,751 |
| Noninterest expense to average assets | 3.0159% | 2,798 |
| Loan and lease loss provision to assets | 0.0601% | 3,324 |
| Net operating income to assets | -0.2344% | 6,217 |
| Return on assets (ROA) | -0.2221% | 6,214 |
| Pretax return on assets | -0.4141% | 6,257 |
| Return on Equity (ROE) | -1.8130% | 6,202 |
| Retained earnings to average equity (ytd only) | -1.8130% | 5,992 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1291% | 168 |
| Assets per employee ($millions) | 6.7008% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 5,454 |
| Loan loss allowance to noncurrent loans | 91.6667% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.4605% | 4,277 |
| Noncurrent loans to loans | 0.9905% | 2,854 |
| Net loans and leases to total assets | 46.0714% | 5,320 |
| Net loans and leases to deposits | 53.7348% | 5,349 |
| Net loans and leases to core deposits | 59.2753% | 5,188 |
| Total domestic deposits to total assets | 85.7383% | 2,969 |
| Equity capital to assets | 12.3035% | 1,778 |
| Core capital (leverage) ratio | 12.8072% | 1,209 |
| Tier 1 risk-based capital ratio | 30.4951% | 491 |
| Total risk-based capital ratio | 31.4945% | 497 |
| Memoranda: | ||
| Average total assets | $93,205,400 | 4,770 |
| Average earning assets | $83,962,200 | 4,793 |
| Average equity | $11,417,600 | 4,473 |
| Average total loans | $41,110,800 | 5,143 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1970% | 5,903 |
| Cost of funding earning assets | 0.5024% | 2,733 |
| Net interest margin | 2.6946% | 6,009 |
| Noninterest income to average assets | 0.1777% | 5,852 |
| Noninterest expense to average assets | 3.0548% | 2,616 |
| Loan and lease loss provision to assets | 0.0143% | 4,128 |
| Net operating income to assets | -0.2529% | 6,291 |
| Return on assets (ROA) | -0.2364% | 6,285 |
| Pretax return on assets | -0.4370% | 6,337 |
| Return on Equity (ROE) | -1.9320% | 6,280 |
| Retained earnings to average equity (ytd only) | -1.9320% | 6,066 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.2073% | 147 |
| Assets per employee ($millions) | 6.3394% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 5,682 |
| Loan loss allowance to noncurrent loans | 82.9384% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 4,576 |
| Noncurrent loans to loans | 1.0519% | 2,969 |
| Net loans and leases to total assets | 41.8210% | 5,690 |
| Net loans and leases to deposits | 48.3890% | 5,745 |
| Net loans and leases to core deposits | 53.2491% | 5,610 |
| Total domestic deposits to total assets | 86.4267% | 2,628 |
| Equity capital to assets | 11.9664% | 2,084 |
| Core capital (leverage) ratio | 12.6426% | 1,333 |
| Tier 1 risk-based capital ratio | 33.0785% | 412 |
| Total risk-based capital ratio | 34.0341% | 411 |
| Memoranda: | ||
| Average total assets | $93,054,000 | 4,819 |
| Average earning assets | $83,867,750 | 4,838 |
| Average equity | $11,386,500 | 4,508 |
| Average total loans | $40,484,500 | 5,215 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2382% | 5,886 |
| Cost of funding earning assets | 0.5070% | 2,762 |
| Net interest margin | 2.7312% | 6,012 |
| Noninterest income to average assets | 0.1624% | 5,979 |
| Noninterest expense to average assets | 3.1134% | 2,444 |
| Loan and lease loss provision to assets | 0.0217% | 3,844 |
| Net operating income to assets | -0.2501% | 6,345 |
| Return on assets (ROA) | -0.2252% | 6,341 |
| Pretax return on assets | -0.4612% | 6,406 |
| Return on Equity (ROE) | -1.8263% | 6,318 |
| Retained earnings to average equity (ytd only) | -1.8263% | 5,969 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.1594% | 156 |
| Assets per employee ($millions) | 6.4165% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 5,852 |
| Loan loss allowance to noncurrent loans | 50.2874% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 3,814 |
| Noncurrent loans to loans | 1.7072% | 2,025 |
| Net loans and leases to total assets | 41.9951% | 5,678 |
| Net loans and leases to deposits | 49.2752% | 5,687 |
| Net loans and leases to core deposits | 54.2231% | 5,533 |
| Total domestic deposits to total assets | 85.2255% | 3,396 |
| Equity capital to assets | 12.0430% | 1,947 |
| Core capital (leverage) ratio | 12.7608% | 1,258 |
| Tier 1 risk-based capital ratio | 35.0366% | 345 |
| Total risk-based capital ratio | 36.0269% | 348 |
| Memoranda: | ||
| Average total assets | $92,375,000 | 4,862 |
| Average earning assets | $83,626,330 | 4,879 |
| Average equity | $11,389,000 | 4,522 |
| Average total loans | $40,606,670 | 5,249 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3328% | 5,787 |
| Cost of funding earning assets | 0.5377% | 2,528 |
| Net interest margin | 2.7951% | 5,944 |
| Noninterest income to average assets | 0.1548% | 6,043 |
| Noninterest expense to average assets | 2.9810% | 2,931 |
| Loan and lease loss provision to assets | 0.0442% | 3,215 |
| Net operating income to assets | -0.1483% | 6,318 |
| Return on assets (ROA) | -0.0973% | 6,292 |
| Pretax return on assets | -0.2388% | 6,365 |
| Return on Equity (ROE) | -0.7796% | 6,280 |
| Retained earnings to average equity (ytd only) | -0.7796% | 5,693 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1307% | 264 |
| Assets per employee ($millions) | 5.9546% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 5,980 |
| Loan loss allowance to noncurrent loans | 50.1433% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7815% | 3,789 |
| Noncurrent loans to loans | 1.7162% | 2,258 |
| Net loans and leases to total assets | 45.1427% | 5,414 |
| Net loans and leases to deposits | 52.8045% | 5,401 |
| Net loans and leases to core deposits | 55.1293% | 5,427 |
| Total domestic deposits to total assets | 85.4902% | 3,617 |
| Equity capital to assets | 12.7252% | 1,443 |
| Core capital (leverage) ratio | 13.7822% | 895 |
| Tier 1 risk-based capital ratio | 35.5927% | 333 |
| Total risk-based capital ratio | 36.5924% | 338 |
| Memoranda: | ||
| Average total assets | $90,439,000 | 4,958 |
| Average earning assets | $82,574,000 | 4,955 |
| Average equity | $11,288,000 | 4,547 |
| Average total loans | $40,525,500 | 5,296 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1641% | 6,180 |
| Cost of funding earning assets | 0.6836% | 1,931 |
| Net interest margin | 2.4805% | 6,387 |
| Noninterest income to average assets | 0.1692% | 6,072 |
| Noninterest expense to average assets | 2.7355% | 3,970 |
| Loan and lease loss provision to assets | 0.0255% | 4,619 |
| Net operating income to assets | -0.1809% | 6,355 |
| Return on assets (ROA) | -0.0692% | 6,299 |
| Pretax return on assets | -0.1692% | 6,334 |
| Return on Equity (ROE) | -0.7961% | 6,309 |
| Retained earnings to average equity (ytd only) | -0.7961% | 6,027 |
| Net charge-offs to loans | -0.0049% | 5,931 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1660% | 233 |
| Assets per employee ($millions) | 6.1039% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 6,083 |
| Loan loss allowance to noncurrent loans | 92.1409% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 5,043 |
| Noncurrent loans to loans | 0.9138% | 3,700 |
| Net loans and leases to total assets | 43.7314% | 5,700 |
| Net loans and leases to deposits | 51.0012% | 5,694 |
| Net loans and leases to core deposits | 52.9651% | 5,733 |
| Total domestic deposits to total assets | 85.7458% | 3,394 |
| Equity capital to assets | 12.2435% | 1,658 |
| Core capital (leverage) ratio | 13.2057% | 1,049 |
| Tier 1 risk-based capital ratio | 35.1869% | 320 |
| Total risk-based capital ratio | 36.1656% | 330 |
| Memoranda: | ||
| Average total assets | $93,950,000 | 4,886 |
| Average earning assets | $85,142,600 | 4,904 |
| Average equity | $8,164,800 | 5,297 |
| Average total loans | $40,621,600 | 5,320 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1308% | 6,282 |
| Cost of funding earning assets | 0.6862% | 2,046 |
| Net interest margin | 2.4446% | 6,476 |
| Noninterest income to average assets | 0.1735% | 6,150 |
| Noninterest expense to average assets | 2.6103% | 4,358 |
| Loan and lease loss provision to assets | 0.0127% | 4,747 |
| Net operating income to assets | -0.1134% | 6,398 |
| Return on assets (ROA) | -0.0042% | 6,351 |
| Pretax return on assets | -0.0635% | 6,371 |
| Return on Equity (ROE) | -0.0540% | 6,353 |
| Retained earnings to average equity (ytd only) | -0.0540% | 5,950 |
| Net charge-offs to loans | -0.0066% | 5,822 |
| Credit loss provision to net charge-offs | -450.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2680% | 281 |
| Assets per employee ($millions) | 6.1090% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 6,295 |
| Loan loss allowance to noncurrent loans | 88.0759% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 5,217 |
| Noncurrent loans to loans | 0.9013% | 4,019 |
| Net loans and leases to total assets | 44.3215% | 5,702 |
| Net loans and leases to deposits | 51.5609% | 5,742 |
| Net loans and leases to core deposits | 53.7407% | 5,785 |
| Total domestic deposits to total assets | 85.9595% | 3,274 |
| Equity capital to assets | 12.4505% | 1,612 |
| Core capital (leverage) ratio | 13.5048% | 1,023 |
| Tier 1 risk-based capital ratio | 36.3526% | 302 |
| Total risk-based capital ratio | 37.2958% | 303 |
| Memoranda: | ||
| Average total assets | $94,547,750 | 4,922 |
| Average earning assets | $85,684,750 | 4,935 |
| Average equity | $7,403,500 | 5,538 |
| Average total loans | $40,682,000 | 5,365 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0832% | 6,361 |
| Cost of funding earning assets | 0.6864% | 2,166 |
| Net interest margin | 2.3968% | 6,557 |
| Noninterest income to average assets | 0.1717% | 6,182 |
| Noninterest expense to average assets | 2.4623% | 4,863 |
| Loan and lease loss provision to assets | 0.0188% | 4,520 |
| Net operating income to assets | -0.1277% | 6,435 |
| Return on assets (ROA) | 0.0670% | 6,285 |
| Pretax return on assets | 0.0565% | 6,297 |
| Return on Equity (ROE) | 1.0547% | 6,199 |
| Retained earnings to average equity (ytd only) | 1.0547% | 5,477 |
| Net charge-offs to loans | -0.0099% | 5,766 |
| Credit loss provision to net charge-offs | -450.0000% | 5,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0938% | 364 |
| Assets per employee ($millions) | 7.1924% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8162% | 6,327 |
| Loan loss allowance to noncurrent loans | 88.0759% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3665% | 5,386 |
| Noncurrent loans to loans | 0.9267% | 4,069 |
| Net loans and leases to total assets | 39.2222% | 6,095 |
| Net loans and leases to deposits | 42.3102% | 6,310 |
| Net loans and leases to core deposits | 43.8000% | 6,338 |
| Total domestic deposits to total assets | 92.7016% | 157 |
| Equity capital to assets | 5.8693% | 6,748 |
| Core capital (leverage) ratio | 6.6371% | 6,681 |
| Tier 1 risk-based capital ratio | 18.8893% | 2,020 |
| Total risk-based capital ratio | 19.8004% | 2,084 |
| Memoranda: | ||
| Average total assets | $95,518,670 | 4,924 |
| Average earning assets | $86,533,000 | 4,937 |
| Average equity | $6,068,330 | 5,914 |
| Average total loans | $40,596,330 | 5,400 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2484% | 6,240 |
| Cost of funding earning assets | 0.7219% | 2,050 |
| Net interest margin | 2.5265% | 6,472 |
| Noninterest income to average assets | 0.1593% | 6,309 |
| Noninterest expense to average assets | 2.5782% | 4,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.1420% | 6,482 |
| Return on assets (ROA) | -0.1205% | 6,508 |
| Pretax return on assets | -0.1076% | 6,488 |
| Return on Equity (ROE) | -1.8219% | 6,550 |
| Retained earnings to average equity (ytd only) | -1.8219% | 6,060 |
| Net charge-offs to loans | -0.0195% | 5,697 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2724% | 408 |
| Assets per employee ($millions) | 6.0571% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7569% | 6,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 45.6046% | 5,477 |
| Net loans and leases to deposits | 49.7664% | 5,806 |
| Net loans and leases to core deposits | 51.7233% | 5,843 |
| Total domestic deposits to total assets | 91.6374% | 321 |
| Equity capital to assets | 6.6929% | 6,762 |
| Core capital (leverage) ratio | 7.3020% | 6,545 |
| Tier 1 risk-based capital ratio | 19.9809% | 1,777 |
| Total risk-based capital ratio | 20.9263% | 1,830 |
| Memoranda: | ||
| Average total assets | $92,931,500 | 5,027 |
| Average earning assets | $84,226,000 | 5,036 |
| Average equity | $6,147,500 | 5,947 |
| Average total loans | $40,985,000 | 5,419 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3843% | 6,501 |
| Cost of funding earning assets | 0.8260% | 2,456 |
| Net interest margin | 2.5583% | 6,671 |
| Noninterest income to average assets | 0.2238% | 5,838 |
| Noninterest expense to average assets | 2.6886% | 4,440 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.3755% | 6,500 |
| Return on assets (ROA) | -0.3231% | 6,509 |
| Pretax return on assets | -0.1168% | 6,373 |
| Return on Equity (ROE) | -4.6197% | 6,579 |
| Retained earnings to average equity (ytd only) | -4.6197% | 6,399 |
| Net charge-offs to loans | -0.0026% | 6,342 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7158% | 393 |
| Assets per employee ($millions) | 6.3337% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7807% | 6,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 42.0026% | 6,008 |
| Net loans and leases to deposits | 45.7952% | 6,264 |
| Net loans and leases to core deposits | 47.4986% | 6,299 |
| Total domestic deposits to total assets | 91.7184% | 298 |
| Equity capital to assets | 6.5406% | 6,836 |
| Core capital (leverage) ratio | 6.9452% | 6,717 |
| Tier 1 risk-based capital ratio | 19.6123% | 1,783 |
| Total risk-based capital ratio | 20.5416% | 1,845 |
| Memoranda: | ||
| Average total assets | $91,610,200 | 5,034 |
| Average earning assets | $82,203,600 | 5,065 |
| Average equity | $6,407,400 | 5,914 |
| Average total loans | $39,059,800 | 5,550 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4707% | 6,543 |
| Cost of funding earning assets | 0.8447% | 2,591 |
| Net interest margin | 2.6261% | 6,732 |
| Noninterest income to average assets | 0.2556% | 5,734 |
| Noninterest expense to average assets | 2.7250% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1278% | 6,431 |
| Return on assets (ROA) | -0.0558% | 6,464 |
| Pretax return on assets | -0.0500% | 6,444 |
| Return on Equity (ROE) | -0.7849% | 6,486 |
| Retained earnings to average equity (ytd only) | -0.7849% | 6,240 |
| Net charge-offs to loans | -0.0034% | 6,236 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6840% | 409 |
| Assets per employee ($millions) | 6.1851% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 6,539 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 40.3725% | 6,250 |
| Net loans and leases to deposits | 44.0477% | 6,499 |
| Net loans and leases to core deposits | 45.7137% | 6,525 |
| Total domestic deposits to total assets | 91.6562% | 255 |
| Equity capital to assets | 7.0288% | 6,876 |
| Core capital (leverage) ratio | 7.2148% | 6,743 |
| Tier 1 risk-based capital ratio | 18.6419% | 2,121 |
| Total risk-based capital ratio | 19.5147% | 2,223 |
| Memoranda: | ||
| Average total assets | $90,761,250 | 5,109 |
| Average earning assets | $81,133,500 | 5,139 |
| Average equity | $6,455,750 | 5,975 |
| Average total loans | $38,770,000 | 5,624 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 6,522 |
| Cost of funding earning assets | 0.8454% | 2,832 |
| Net interest margin | 2.7227% | 6,682 |
| Noninterest income to average assets | 0.2908% | 5,478 |
| Noninterest expense to average assets | 2.7883% | 4,054 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0666% | 6,398 |
| Return on assets (ROA) | -0.0599% | 6,511 |
| Pretax return on assets | -0.0599% | 6,489 |
| Return on Equity (ROE) | -0.8393% | 6,531 |
| Retained earnings to average equity (ytd only) | -0.8393% | 6,189 |
| Net charge-offs to loans | -0.0051% | 6,166 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4470% | 477 |
| Assets per employee ($millions) | 6.4156% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8035% | 6,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 43.1606% | 6,094 |
| Net loans and leases to deposits | 47.2964% | 6,355 |
| Net loans and leases to core deposits | 49.1437% | 6,391 |
| Total domestic deposits to total assets | 91.2557% | 368 |
| Equity capital to assets | 7.2157% | 6,865 |
| Core capital (leverage) ratio | 7.5425% | 6,607 |
| Tier 1 risk-based capital ratio | 21.4591% | 1,397 |
| Total risk-based capital ratio | 22.4621% | 1,413 |
| Memoranda: | ||
| Average total assets | $90,089,670 | 5,166 |
| Average earning assets | $80,436,000 | 5,192 |
| Average equity | $6,434,000 | 6,003 |
| Average total loans | $39,103,330 | 5,644 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5733% | 6,611 |
| Cost of funding earning assets | 0.8162% | 3,343 |
| Net interest margin | 2.7571% | 6,704 |
| Noninterest income to average assets | 0.2172% | 6,060 |
| Noninterest expense to average assets | 2.8684% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.2172% | 6,656 |
| Return on assets (ROA) | -0.2039% | 6,691 |
| Pretax return on assets | -0.1818% | 6,650 |
| Return on Equity (ROE) | -2.8703% | 6,745 |
| Retained earnings to average equity (ytd only) | -2.8703% | 6,376 |
| Net charge-offs to loans | -0.0102% | 5,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2968% | 382 |
| Assets per employee ($millions) | 6.5023% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 6,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 42.5345% | 6,142 |
| Net loans and leases to deposits | 46.6427% | 6,377 |
| Net loans and leases to core deposits | 48.3667% | 6,434 |
| Total domestic deposits to total assets | 91.1921% | 480 |
| Equity capital to assets | 7.0096% | 6,934 |
| Core capital (leverage) ratio | 7.4351% | 6,675 |
| Tier 1 risk-based capital ratio | 21.6101% | 1,358 |
| Total risk-based capital ratio | 22.6229% | 1,380 |
| Memoranda: | ||
| Average total assets | $90,225,500 | 5,199 |
| Average earning assets | $80,373,000 | 5,236 |
| Average equity | $6,410,500 | 6,040 |
| Average total loans | $39,115,000 | 5,678 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8957% | 6,621 |
| Cost of funding earning assets | 0.9043% | 4,085 |
| Net interest margin | 2.9915% | 6,544 |
| Noninterest income to average assets | 0.2026% | 6,052 |
| Noninterest expense to average assets | 2.7469% | 4,565 |
| Loan and lease loss provision to assets | 0.0099% | 6,411 |
| Net operating income to assets | 0.1106% | 5,846 |
| Return on assets (ROA) | 0.1106% | 5,968 |
| Pretax return on assets | 0.1380% | 5,906 |
| Return on Equity (ROE) | 1.5900% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.5900% | 5,078 |
| Net charge-offs to loans | -0.0117% | 6,903 |
| Credit loss provision to net charge-offs | -180.0000% | 6,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8922% | 871 |
| Assets per employee ($millions) | 6.3871% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7986% | 6,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 43.4840% | 6,254 |
| Net loans and leases to deposits | 47.8725% | 6,502 |
| Net loans and leases to core deposits | 49.4707% | 6,557 |
| Total domestic deposits to total assets | 90.8330% | 572 |
| Equity capital to assets | 7.2020% | 6,904 |
| Core capital (leverage) ratio | 7.6584% | 6,564 |
| Tier 1 risk-based capital ratio | 19.8921% | 1,671 |
| Total risk-based capital ratio | 20.8149% | 1,702 |
| Memoranda: | ||
| Average total assets | $91,303,400 | 5,154 |
| Average earning assets | $82,166,600 | 5,165 |
| Average equity | $6,352,400 | 6,058 |
| Average total loans | $42,605,200 | 5,577 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9298% | 6,692 |
| Cost of funding earning assets | 0.9414% | 4,099 |
| Net interest margin | 2.9884% | 6,609 |
| Noninterest income to average assets | 0.1889% | 6,249 |
| Noninterest expense to average assets | 2.7778% | 4,426 |
| Loan and lease loss provision to assets | 0.0116% | 6,287 |
| Net operating income to assets | 0.0770% | 6,014 |
| Return on assets (ROA) | 0.0770% | 6,133 |
| Pretax return on assets | 0.0973% | 6,101 |
| Return on Equity (ROE) | 1.1162% | 6,045 |
| Retained earnings to average equity (ytd only) | 1.1162% | 5,570 |
| Net charge-offs to loans | -0.0031% | 6,681 |
| Credit loss provision to net charge-offs | -800.0000% | 6,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2255% | 808 |
| Assets per employee ($millions) | 6.8575% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7275% | 6,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 47.4508% | 6,014 |
| Net loans and leases to deposits | 51.7133% | 6,390 |
| Net loans and leases to core deposits | 53.6522% | 6,481 |
| Total domestic deposits to total assets | 91.7574% | 248 |
| Equity capital to assets | 7.1780% | 7,020 |
| Core capital (leverage) ratio | 7.5485% | 6,737 |
| Tier 1 risk-based capital ratio | 20.0155% | 1,679 |
| Total risk-based capital ratio | 20.9362% | 1,732 |
| Memoranda: | ||
| Average total assets | $91,774,500 | 5,173 |
| Average earning assets | $82,852,000 | 5,192 |
| Average equity | $6,330,500 | 6,104 |
| Average total loans | $43,457,500 | 5,587 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9083% | 6,796 |
| Cost of funding earning assets | 0.9676% | 4,192 |
| Net interest margin | 2.9407% | 6,713 |
| Noninterest income to average assets | 0.1770% | 6,389 |
| Noninterest expense to average assets | 2.7221% | 4,733 |
| Loan and lease loss provision to assets | 0.0130% | 6,116 |
| Net operating income to assets | 0.0820% | 6,057 |
| Return on assets (ROA) | 0.0820% | 6,134 |
| Pretax return on assets | 0.1123% | 6,085 |
| Return on Equity (ROE) | 1.2049% | 6,031 |
| Retained earnings to average equity (ytd only) | 1.2049% | 5,373 |
| Net charge-offs to loans | -0.0046% | 6,579 |
| Credit loss provision to net charge-offs | -600.0000% | 6,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6027% | 896 |
| Assets per employee ($millions) | 7.4953% | 571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 7,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 48.4496% | 5,999 |
| Net loans and leases to deposits | 52.6935% | 6,420 |
| Net loans and leases to core deposits | 55.1412% | 6,486 |
| Total domestic deposits to total assets | 91.9460% | 245 |
| Equity capital to assets | 7.0456% | 7,089 |
| Core capital (leverage) ratio | 7.4115% | 6,802 |
| Tier 1 risk-based capital ratio | 19.0788% | 1,818 |
| Total risk-based capital ratio | 19.9586% | 1,899 |
| Memoranda: | ||
| Average total assets | $92,650,330 | 5,182 |
| Average earning assets | $84,128,330 | 5,192 |
| Average equity | $6,307,670 | 6,140 |
| Average total loans | $43,739,670 | 5,622 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8481% | 6,890 |
| Cost of funding earning assets | 0.9749% | 4,392 |
| Net interest margin | 2.8732% | 6,798 |
| Noninterest income to average assets | 0.1702% | 6,507 |
| Noninterest expense to average assets | 2.6935% | 4,861 |
| Loan and lease loss provision to assets | 0.0128% | 5,755 |
| Net operating income to assets | 0.0638% | 6,199 |
| Return on assets (ROA) | 0.0638% | 6,243 |
| Pretax return on assets | 0.0723% | 6,232 |
| Return on Equity (ROE) | 0.9534% | 6,148 |
| Retained earnings to average equity (ytd only) | 0.9534% | 5,450 |
| Net charge-offs to loans | -0.0092% | 6,347 |
| Credit loss provision to net charge-offs | -300.0000% | 5,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9372% | 878 |
| Assets per employee ($millions) | 7.7184% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 7,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 46.5197% | 6,235 |
| Net loans and leases to deposits | 50.4325% | 6,593 |
| Net loans and leases to core deposits | 52.5163% | 6,653 |
| Total domestic deposits to total assets | 92.2415% | 228 |
| Equity capital to assets | 6.7922% | 7,142 |
| Core capital (leverage) ratio | 7.1686% | 6,933 |
| Tier 1 risk-based capital ratio | 18.8803% | 1,835 |
| Total risk-based capital ratio | 19.7453% | 1,915 |
| Memoranda: | ||
| Average total assets | $94,004,000 | 5,172 |
| Average earning assets | $85,341,000 | 5,176 |
| Average equity | $6,293,000 | 6,159 |
| Average total loans | $43,668,000 | 5,674 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1523% | 6,987 |
| Cost of funding earning assets | 1.2177% | 4,437 |
| Net interest margin | 2.9345% | 6,844 |
| Noninterest income to average assets | 0.1954% | 6,378 |
| Noninterest expense to average assets | 2.6374% | 5,271 |
| Loan and lease loss provision to assets | 0.0050% | 7,020 |
| Net operating income to assets | 0.1784% | 5,346 |
| Return on assets (ROA) | 0.1964% | 5,448 |
| Pretax return on assets | 0.2836% | 5,277 |
| Return on Equity (ROE) | 3.1693% | 4,885 |
| Retained earnings to average equity (ytd only) | 3.1693% | 3,649 |
| Net charge-offs to loans | 0.0140% | 6,688 |
| Credit loss provision to net charge-offs | 83.3333% | 5,414 |
| Earnings coverage of net charge-offs (x) | 43.6667% | 533 |
| Efficiency ratio | 90.9468% | 1,245 |
| Assets per employee ($millions) | 8.6715% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 7,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 45.7578% | 6,579 |
| Net loans and leases to deposits | 49.4870% | 6,880 |
| Net loans and leases to core deposits | 52.1295% | 6,906 |
| Total domestic deposits to total assets | 92.4644% | 190 |
| Equity capital to assets | 6.5994% | 7,234 |
| Core capital (leverage) ratio | 6.9416% | 7,050 |
| Tier 1 risk-based capital ratio | 18.2426% | 1,925 |
| Total risk-based capital ratio | 19.0693% | 2,017 |
| Memoranda: | ||
| Average total assets | $99,793,400 | 4,991 |
| Average earning assets | $91,974,000 | 4,943 |
| Average equity | $6,184,400 | 6,312 |
| Average total loans | $42,747,400 | 5,806 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 7,108 |
| Cost of funding earning assets | 1.2710% | 4,430 |
| Net interest margin | 2.9171% | 6,979 |
| Noninterest income to average assets | 0.1771% | 6,614 |
| Noninterest expense to average assets | 2.6059% | 5,307 |
| Loan and lease loss provision to assets | 0.0026% | 6,969 |
| Net operating income to assets | 0.1863% | 5,547 |
| Return on assets (ROA) | 0.1863% | 5,706 |
| Pretax return on assets | 0.2709% | 5,567 |
| Return on Equity (ROE) | 3.0536% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.0536% | 4,299 |
| Net charge-offs to loans | -0.0126% | 7,296 |
| Credit loss provision to net charge-offs | -50.0000% | 6,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5002% | 1,241 |
| Assets per employee ($millions) | 7.9841% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6797% | 7,228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 46.6710% | 6,641 |
| Net loans and leases to deposits | 50.4883% | 6,985 |
| Net loans and leases to core deposits | 53.1518% | 7,003 |
| Total domestic deposits to total assets | 92.4391% | 134 |
| Equity capital to assets | 6.5808% | 7,416 |
| Core capital (leverage) ratio | 6.8607% | 7,229 |
| Tier 1 risk-based capital ratio | 16.6235% | 2,499 |
| Total risk-based capital ratio | 17.4009% | 2,642 |
| Memoranda: | ||
| Average total assets | $100,895,000 | 5,017 |
| Average earning assets | $93,470,500 | 4,965 |
| Average equity | $6,156,750 | 6,404 |
| Average total loans | $42,447,750 | 5,898 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1818% | 7,197 |
| Cost of funding earning assets | 1.3217% | 4,401 |
| Net interest margin | 2.8601% | 7,066 |
| Noninterest income to average assets | 0.1716% | 6,676 |
| Noninterest expense to average assets | 2.5597% | 5,491 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1735% | 5,650 |
| Return on assets (ROA) | 0.1735% | 5,777 |
| Pretax return on assets | 0.2612% | 5,622 |
| Return on Equity (ROE) | 2.9145% | 5,267 |
| Retained earnings to average equity (ytd only) | 2.9145% | 4,281 |
| Net charge-offs to loans | 0.0529% | 5,641 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 12.1818% | 1,699 |
| Efficiency ratio | 90.7395% | 1,280 |
| Assets per employee ($millions) | 8.5447% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6728% | 7,299 |
| Loan loss allowance to noncurrent loans | 1,445.0000% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 7,359 |
| Noncurrent loans to loans | 0.0466% | 7,198 |
| Net loans and leases to total assets | 41.6127% | 7,058 |
| Net loans and leases to deposits | 44.7272% | 7,299 |
| Net loans and leases to core deposits | 47.0269% | 7,318 |
| Total domestic deposits to total assets | 93.0366% | 111 |
| Equity capital to assets | 6.1130% | 7,521 |
| Core capital (leverage) ratio | 6.3704% | 7,410 |
| Tier 1 risk-based capital ratio | 16.0177% | 2,663 |
| Total risk-based capital ratio | 16.7295% | 2,874 |
| Memoranda: | ||
| Average total assets | $102,590,330 | 5,002 |
| Average earning assets | $95,030,000 | 4,957 |
| Average equity | $6,107,330 | 6,435 |
| Average total loans | $41,590,000 | 5,976 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2593% | 7,194 |
| Cost of funding earning assets | 1.4156% | 4,082 |
| Net interest margin | 2.8437% | 7,113 |
| Noninterest income to average assets | 0.1793% | 6,674 |
| Noninterest expense to average assets | 2.4830% | 5,794 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2066% | 5,661 |
| Return on assets (ROA) | 0.2066% | 5,780 |
| Pretax return on assets | 0.3352% | 5,506 |
| Return on Equity (ROE) | 3.5175% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.5175% | 4,034 |
| Net charge-offs to loans | 0.1467% | 4,054 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 5.7333% | 2,343 |
| Efficiency ratio | 88.1051% | 1,576 |
| Assets per employee ($millions) | 8.5878% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6886% | 7,357 |
| Loan loss allowance to noncurrent loans | 1,425.0000% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0194% | 7,445 |
| Noncurrent loans to loans | 0.0483% | 7,288 |
| Net loans and leases to total assets | 39.8830% | 7,256 |
| Net loans and leases to deposits | 42.7890% | 7,434 |
| Net loans and leases to core deposits | 44.8368% | 7,458 |
| Total domestic deposits to total assets | 93.2084% | 113 |
| Equity capital to assets | 6.0017% | 7,623 |
| Core capital (leverage) ratio | 6.4400% | 7,484 |
| Tier 1 risk-based capital ratio | 16.4686% | 2,467 |
| Total risk-based capital ratio | 17.1772% | 2,627 |
| Memoranda: | ||
| Average total assets | $102,617,500 | 5,072 |
| Average earning assets | $95,228,000 | 5,010 |
| Average equity | $6,027,000 | 6,511 |
| Average total loans | $40,906,500 | 6,081 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6839% | 7,163 |
| Cost of funding earning assets | 2.1426% | 2,262 |
| Net interest margin | 2.5413% | 7,381 |
| Noninterest income to average assets | 0.7478% | 2,692 |
| Noninterest expense to average assets | 2.7860% | 5,031 |
| Loan and lease loss provision to assets | 0.0321% | 7,209 |
| Net operating income to assets | 0.1851% | 4,943 |
| Return on assets (ROA) | -1.4837% | 6,861 |
| Pretax return on assets | -1.3673% | 6,632 |
| Return on Equity (ROE) | -26.3621% | 7,323 |
| Retained earnings to average equity (ytd only) | -26.3621% | 7,298 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3067% | 1,763 |
| Assets per employee ($millions) | 9.2892% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7421% | 7,283 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 7,477 |
| Noncurrent loans to loans | 0.0495% | 7,306 |
| Net loans and leases to total assets | 39.2705% | 7,386 |
| Net loans and leases to deposits | 42.0103% | 7,569 |
| Net loans and leases to core deposits | 51.8631% | 7,527 |
| Total domestic deposits to total assets | 93.4782% | 99 |
| Equity capital to assets | 5.7437% | 7,699 |
| Core capital (leverage) ratio | 6.2958% | 7,555 |
| Tier 1 risk-based capital ratio | 16.1526% | 2,449 |
| Total risk-based capital ratio | 16.9067% | 2,598 |
| Memoranda: | ||
| Average total assets | $109,116,800 | 4,848 |
| Average earning assets | $101,837,800 | 4,792 |
| Average equity | $6,141,400 | 6,553 |
| Average total loans | $40,877,400 | 6,062 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 7,178 |
| Cost of funding earning assets | 2.2776% | 2,077 |
| Net interest margin | 2.4903% | 7,476 |
| Noninterest income to average assets | 0.1768% | 6,952 |
| Noninterest expense to average assets | 2.8314% | 4,756 |
| Loan and lease loss provision to assets | 0.0409% | 6,957 |
| Net operating income to assets | -0.2117% | 6,086 |
| Return on assets (ROA) | -0.2117% | 6,093 |
| Pretax return on assets | -0.3717% | 6,165 |
| Return on Equity (ROE) | -3.7790% | 6,319 |
| Retained earnings to average equity (ytd only) | -3.7790% | 6,076 |
| Net charge-offs to loans | 0.0683% | 6,005 |
| Credit loss provision to net charge-offs | 161.9048% | 2,913 |
| Earnings coverage of net charge-offs (x) | -13.0950% | 6,918 |
| Efficiency ratio | 113.2275% | 711 |
| Assets per employee ($millions) | 8.2964% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6943% | 7,388 |
| Loan loss allowance to noncurrent loans | 87.9747% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 6,755 |
| Noncurrent loans to loans | 0.7893% | 5,718 |
| Net loans and leases to total assets | 36.8650% | 7,588 |
| Net loans and leases to deposits | 39.7346% | 7,739 |
| Net loans and leases to core deposits | 49.8115% | 7,690 |
| Total domestic deposits to total assets | 92.7781% | 101 |
| Equity capital to assets | 5.6929% | 7,899 |
| Core capital (leverage) ratio | 5.6183% | 7,855 |
| Tier 1 risk-based capital ratio | 14.6276% | 3,208 |
| Total risk-based capital ratio | 15.3043% | 3,466 |
| Memoranda: | ||
| Average total assets | $110,850,750 | 4,834 |
| Average earning assets | $103,440,500 | 4,779 |
| Average equity | $6,209,500 | 6,593 |
| Average total loans | $40,990,000 | 6,107 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9265% | 6,972 |
| Cost of funding earning assets | 2.4479% | 1,784 |
| Net interest margin | 2.4786% | 7,505 |
| Noninterest income to average assets | 0.1752% | 7,041 |
| Noninterest expense to average assets | 2.9093% | 4,468 |
| Loan and lease loss provision to assets | 0.0554% | 6,668 |
| Net operating income to assets | -0.2807% | 6,306 |
| Return on assets (ROA) | -0.2807% | 6,321 |
| Pretax return on assets | -0.4774% | 6,403 |
| Return on Equity (ROE) | -5.0380% | 6,612 |
| Retained earnings to average equity (ytd only) | -5.0380% | 6,305 |
| Net charge-offs to loans | 0.1017% | 5,146 |
| Credit loss provision to net charge-offs | 147.6190% | 3,126 |
| Earnings coverage of net charge-offs (x) | -11.2381% | 6,536 |
| Efficiency ratio | 116.9662% | 722 |
| Assets per employee ($millions) | 7.9054% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6581% | 7,527 |
| Loan loss allowance to noncurrent loans | 92.9054% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2674% | 6,805 |
| Noncurrent loans to loans | 0.7084% | 5,826 |
| Net loans and leases to total assets | 37.5068% | 7,656 |
| Net loans and leases to deposits | 40.2972% | 7,805 |
| Net loans and leases to core deposits | 51.6011% | 7,723 |
| Total domestic deposits to total assets | 93.0753% | 96 |
| Equity capital to assets | 5.4510% | 8,009 |
| Core capital (leverage) ratio | 5.3694% | 7,993 |
| Tier 1 risk-based capital ratio | 14.5637% | 3,214 |
| Total risk-based capital ratio | 15.2429% | 3,460 |
| Memoranda: | ||
| Average total assets | $111,850,000 | 4,829 |
| Average earning assets | $104,334,670 | 4,780 |
| Average equity | $6,232,670 | 6,627 |
| Average total loans | $41,307,330 | 6,143 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 6,719 |
| Cost of funding earning assets | 2.5327% | 1,792 |
| Net interest margin | 2.5442% | 7,451 |
| Noninterest income to average assets | 0.1708% | 7,083 |
| Noninterest expense to average assets | 2.3622% | 6,333 |
| Loan and lease loss provision to assets | 0.0569% | 6,251 |
| Net operating income to assets | 0.0854% | 6,023 |
| Return on assets (ROA) | 0.0854% | 6,188 |
| Pretax return on assets | 0.1245% | 6,107 |
| Return on Equity (ROE) | 1.5160% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.5160% | 5,006 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8671% | 1,510 |
| Assets per employee ($millions) | 9.1101% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6876% | 7,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 34.2697% | 7,797 |
| Net loans and leases to deposits | 38.7186% | 7,882 |
| Net loans and leases to core deposits | 49.9041% | 7,796 |
| Total domestic deposits to total assets | 88.5098% | 1,483 |
| Equity capital to assets | 5.3018% | 8,093 |
| Core capital (leverage) ratio | 5.2299% | 8,110 |
| Tier 1 risk-based capital ratio | 14.4860% | 3,317 |
| Total risk-based capital ratio | 15.1482% | 3,574 |
| Memoranda: | ||
| Average total assets | $112,437,000 | 4,836 |
| Average earning assets | $104,867,000 | 4,775 |
| Average equity | $6,332,500 | 6,651 |
| Average total loans | $41,068,000 | 6,188 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 7,542 |
| Cost of funding earning assets | 2.7940% | 2,731 |
| Net interest margin | 2.5527% | 7,692 |
| Noninterest income to average assets | 0.2422% | 6,712 |
| Noninterest expense to average assets | 2.4809% | 6,087 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.1923% | 5,873 |
| Return on assets (ROA) | 0.2121% | 5,628 |
| Pretax return on assets | 0.1442% | 5,854 |
| Return on Equity (ROE) | 3.1354% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.1354% | 3,205 |
| Net charge-offs to loans | 0.0301% | 6,402 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 13.2000% | 2,155 |
| Efficiency ratio | 95.2243% | 1,209 |
| Assets per employee ($millions) | 8.1879% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6421% | 7,569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 38.5220% | 7,741 |
| Net loans and leases to deposits | 44.2918% | 7,839 |
| Net loans and leases to core deposits | 56.4397% | 7,725 |
| Total domestic deposits to total assets | 86.9733% | 1,946 |
| Equity capital to assets | 5.9995% | 8,063 |
| Core capital (leverage) ratio | 6.0243% | 8,071 |
| Tier 1 risk-based capital ratio | 15.7456% | 2,762 |
| Total risk-based capital ratio | 16.4011% | 2,901 |
| Memoranda: | ||
| Average total assets | $106,089,600 | 4,875 |
| Average earning assets | $98,209,600 | 4,859 |
| Average equity | $7,176,200 | 6,395 |
| Average total loans | $33,276,000 | 6,524 |