Home > Amory Federal Savings and Loan Association > Performance and Condition Ratios
Amory Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4462% | 3,196 |
| Cost of funding earning assets | 2.1811% | 668 |
| Net interest margin | 2.2651% | 4,276 |
| Noninterest income to average assets | 0.0200% | 4,491 |
| Noninterest expense to average assets | 3.9527% | 382 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | -1.8125% | 4,565 |
| Return on assets (ROA) | -1.8125% | 4,561 |
| Pretax return on assets | -1.8125% | 4,552 |
| Return on Equity (ROE) | -13.5000% | 4,520 |
| Retained earnings to average equity (ytd only) | -13.5047% | 4,488 |
| Net charge-offs to loans | 0.0066% | 2,442 |
| Credit loss provision to net charge-offs | 1,666.6667% | 273 |
| Earnings coverage of net charge-offs (x) | -437.0000% | 4,608 |
| Efficiency ratio | 179.1189% | 20 |
| Assets per employee ($millions) | 7.6508% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 2,483 |
| Loan loss allowance to noncurrent loans | 401.4493% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 2,331 |
| Noncurrent loans to loans | 0.2899% | 2,136 |
| Net loans and leases to total assets | 61.5000% | 2,714 |
| Net loans and leases to deposits | 72.8359% | 2,709 |
| Net loans and leases to core deposits | 87.2739% | 2,228 |
| Total domestic deposits to total assets | 84.4400% | 2,492 |
| Equity capital to assets | 11.8524% | 1,186 |
| Core capital (leverage) ratio | 12.1800% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $75,087,800 | 4,062 |
| Average earning assets | $72,579,600 | 4,008 |
| Average equity | $10,078,000 | 3,711 |
| Average total loans | $45,161,000 | 3,911 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 3,135 |
| Cost of funding earning assets | 1.9697% | 741 |
| Net interest margin | 2.4105% | 4,220 |
| Noninterest income to average assets | 0.0200% | 4,512 |
| Noninterest expense to average assets | 2.1641% | 3,167 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 0.1213% | 4,301 |
| Return on assets (ROA) | 0.1213% | 4,319 |
| Pretax return on assets | 0.1213% | 4,328 |
| Return on Equity (ROE) | 0.8800% | 4,327 |
| Retained earnings to average equity (ytd only) | 0.8776% | 3,974 |
| Net charge-offs to loans | 0.0090% | 2,078 |
| Credit loss provision to net charge-offs | 1,266.6667% | 343 |
| Earnings coverage of net charge-offs (x) | 35.3333% | 1,514 |
| Efficiency ratio | 91.9636% | 319 |
| Assets per employee ($millions) | 7.8715% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 2,732 |
| Loan loss allowance to noncurrent loans | 190.1754% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 1,588 |
| Noncurrent loans to loans | 0.5936% | 1,351 |
| Net loans and leases to total assets | 60.3000% | 2,813 |
| Net loans and leases to deposits | 72.8171% | 2,662 |
| Net loans and leases to core deposits | 85.9056% | 2,192 |
| Total domestic deposits to total assets | 82.8200% | 3,044 |
| Equity capital to assets | 13.0801% | 796 |
| Core capital (leverage) ratio | 14.3787% | 738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $74,732,750 | 4,086 |
| Average earning assets | $72,292,500 | 4,028 |
| Average equity | $10,330,500 | 3,683 |
| Average total loans | $44,549,750 | 3,933 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 3,050 |
| Cost of funding earning assets | 1.8225% | 707 |
| Net interest margin | 2.5031% | 4,205 |
| Noninterest income to average assets | 0.0100% | 4,563 |
| Noninterest expense to average assets | 2.1579% | 3,194 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.2125% | 4,264 |
| Return on assets (ROA) | 0.2125% | 4,288 |
| Pretax return on assets | 0.2125% | 4,309 |
| Return on Equity (ROE) | 1.5100% | 4,324 |
| Retained earnings to average equity (ytd only) | 1.5084% | 3,829 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 88.4916% | 407 |
| Assets per employee ($millions) | 7.4719% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 2,559 |
| Loan loss allowance to noncurrent loans | 157.3964% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.4524% | 1,182 |
| Noncurrent loans to loans | 0.7476% | 1,009 |
| Net loans and leases to total assets | 59.8000% | 2,790 |
| Net loans and leases to deposits | 69.6145% | 2,815 |
| Net loans and leases to core deposits | 82.0238% | 2,332 |
| Total domestic deposits to total assets | 85.9000% | 2,264 |
| Equity capital to assets | 13.8211% | 669 |
| Core capital (leverage) ratio | 14.5540% | 661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $73,405,333 | 4,114 |
| Average earning assets | $71,111,667 | 4,064 |
| Average equity | $10,342,000 | 3,697 |
| Average total loans | $43,396,333 | 3,966 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 3,608 |
| Cost of funding earning assets | 1.6926% | 584 |
| Net interest margin | 2.2397% | 4,479 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 2.0234% | 3,577 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.0825% | 4,439 |
| Return on assets (ROA) | 0.0825% | 4,418 |
| Pretax return on assets | 0.0825% | 4,415 |
| Return on Equity (ROE) | 0.5800% | 4,412 |
| Retained earnings to average equity (ytd only) | 0.5797% | 3,937 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 93.4010% | 273 |
| Assets per employee ($millions) | 6.6922% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,525 |
| Loan loss allowance to noncurrent loans | 155.0898% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 1,123 |
| Noncurrent loans to loans | 0.7770% | 989 |
| Net loans and leases to total assets | 57.6900% | 2,893 |
| Net loans and leases to deposits | 67.3310% | 2,826 |
| Net loans and leases to core deposits | 79.6246% | 2,280 |
| Total domestic deposits to total assets | 85.6800% | 2,684 |
| Equity capital to assets | 14.0476% | 593 |
| Core capital (leverage) ratio | 14.8653% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $72,748,500 | 4,177 |
| Average earning assets | $70,189,000 | 4,128 |
| Average equity | $10,349,500 | 3,737 |
| Average total loans | $42,488,500 | 4,027 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2090% | 3,809 |
| Cost of funding earning assets | 0.5837% | 967 |
| Net interest margin | 2.6253% | 4,143 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 2.0946% | 3,308 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3287% | 4,342 |
| Return on assets (ROA) | 0.3287% | 4,312 |
| Pretax return on assets | 0.4176% | 4,264 |
| Return on Equity (ROE) | 2.3300% | 4,356 |
| Retained earnings to average equity (ytd only) | 2.3335% | 3,908 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 83.3780% | 518 |
| Assets per employee ($millions) | 7.1883% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,608 |
| Loan loss allowance to noncurrent loans | 129.2208% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 1,198 |
| Noncurrent loans to loans | 0.7335% | 1,023 |
| Net loans and leases to total assets | 57.8600% | 2,833 |
| Net loans and leases to deposits | 67.7890% | 2,742 |
| Net loans and leases to core deposits | 79.6789% | 2,156 |
| Total domestic deposits to total assets | 85.3600% | 2,894 |
| Equity capital to assets | 14.4095% | 532 |
| Core capital (leverage) ratio | 15.5316% | 510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $74,237,600 | 4,195 |
| Average earning assets | $70,583,400 | 4,148 |
| Average equity | $10,456,400 | 3,816 |
| Average total loans | $41,655,000 | 4,035 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0869% | 3,700 |
| Cost of funding earning assets | 0.4854% | 812 |
| Net interest margin | 2.6015% | 4,097 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 1.9850% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.4793% | 4,119 |
| Return on assets (ROA) | 0.4793% | 4,067 |
| Pretax return on assets | 0.4971% | 4,153 |
| Return on Equity (ROE) | 3.4200% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.4220% | 3,659 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.9713% | 777 |
| Assets per employee ($millions) | 7.1228% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 3,636 |
| Loan loss allowance to noncurrent loans | 780.3922% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.0716% | 3,177 |
| Noncurrent loans to loans | 0.1237% | 3,027 |
| Net loans and leases to total assets | 57.3400% | 2,767 |
| Net loans and leases to deposits | 67.2751% | 2,608 |
| Net loans and leases to core deposits | 73.3833% | 2,396 |
| Total domestic deposits to total assets | 85.2300% | 3,233 |
| Equity capital to assets | 14.4718% | 509 |
| Core capital (leverage) ratio | 15.0891% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $74,826,250 | 4,221 |
| Average earning assets | $71,137,500 | 4,176 |
| Average equity | $10,481,000 | 3,864 |
| Average total loans | $41,570,750 | 4,060 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9212% | 3,736 |
| Cost of funding earning assets | 0.5013% | 513 |
| Net interest margin | 2.4200% | 4,202 |
| Noninterest income to average assets | 0.0079% | 4,726 |
| Noninterest expense to average assets | 1.8915% | 3,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3762% | 4,157 |
| Return on assets (ROA) | 0.3762% | 4,114 |
| Pretax return on assets | 0.4025% | 4,154 |
| Return on Equity (ROE) | 2.7138% | 4,260 |
| Retained earnings to average equity (ytd only) | 2.7138% | 3,543 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4541% | 765 |
| Assets per employee ($millions) | 7.4306% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 3,801 |
| Loan loss allowance to noncurrent loans | 337.2881% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 2,594 |
| Noncurrent loans to loans | 0.2812% | 2,338 |
| Net loans and leases to total assets | 55.9336% | 2,767 |
| Net loans and leases to deposits | 65.2834% | 2,606 |
| Net loans and leases to core deposits | 71.4381% | 2,381 |
| Total domestic deposits to total assets | 85.6781% | 3,329 |
| Equity capital to assets | 14.0662% | 505 |
| Core capital (leverage) ratio | 14.4143% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,025,667 | 4,246 |
| Average earning assets | $71,819,333 | 4,227 |
| Average equity | $10,538,667 | 3,930 |
| Average total loans | $41,681,667 | 4,112 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8474% | 3,653 |
| Cost of funding earning assets | 0.5071% | 478 |
| Net interest margin | 2.3404% | 4,169 |
| Noninterest income to average assets | 0.0156% | 4,731 |
| Noninterest expense to average assets | 1.9353% | 3,591 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2081% | 4,319 |
| Return on assets (ROA) | 0.2081% | 4,286 |
| Pretax return on assets | 0.2653% | 4,239 |
| Return on Equity (ROE) | 1.5120% | 4,343 |
| Retained earnings to average equity (ytd only) | 1.5120% | 3,688 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9433% | 643 |
| Assets per employee ($millions) | 6.9316% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 3,831 |
| Loan loss allowance to noncurrent loans | 970.7317% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,508 |
| Noncurrent loans to loans | 0.1000% | 3,339 |
| Net loans and leases to total assets | 53.2342% | 2,854 |
| Net loans and leases to deposits | 61.8646% | 2,725 |
| Net loans and leases to core deposits | 67.7912% | 2,471 |
| Total domestic deposits to total assets | 86.0495% | 3,244 |
| Equity capital to assets | 13.7302% | 567 |
| Core capital (leverage) ratio | 14.0048% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,885,500 | 4,260 |
| Average earning assets | $71,784,000 | 4,245 |
| Average equity | $10,582,000 | 3,997 |
| Average total loans | $41,542,500 | 4,132 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0723% | 3,742 |
| Cost of funding earning assets | 0.7771% | 226 |
| Net interest margin | 2.2952% | 4,420 |
| Noninterest income to average assets | -0.0166% | 4,823 |
| Noninterest expense to average assets | 1.8657% | 4,005 |
| Loan and lease loss provision to assets | 0.0446% | 2,165 |
| Net operating income to assets | 0.0918% | 4,627 |
| Return on assets (ROA) | 0.0918% | 4,636 |
| Pretax return on assets | 0.0995% | 4,638 |
| Return on Equity (ROE) | 0.6783% | 4,638 |
| Retained earnings to average equity (ytd only) | 0.6783% | 4,341 |
| Net charge-offs to loans | 0.2034% | 468 |
| Credit loss provision to net charge-offs | 38.4615% | 2,204 |
| Earnings coverage of net charge-offs (x) | 1.2418% | 2,624 |
| Efficiency ratio | 92.8299% | 252 |
| Assets per employee ($millions) | 9.6904% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 3,952 |
| Loan loss allowance to noncurrent loans | 98.0296% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.5237% | 1,279 |
| Noncurrent loans to loans | 0.9644% | 1,039 |
| Net loans and leases to total assets | 53.7892% | 2,876 |
| Net loans and leases to deposits | 62.5388% | 2,832 |
| Net loans and leases to core deposits | 68.3960% | 2,612 |
| Total domestic deposits to total assets | 86.0093% | 2,901 |
| Equity capital to assets | 13.7959% | 705 |
| Core capital (leverage) ratio | 13.7550% | 655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,415,000 | 4,240 |
| Average earning assets | $69,232,600 | 4,269 |
| Average equity | $10,614,400 | 4,074 |
| Average total loans | $44,739,800 | 4,094 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1363% | 3,734 |
| Cost of funding earning assets | 0.8557% | 193 |
| Net interest margin | 2.2806% | 4,503 |
| Noninterest income to average assets | -0.0271% | 4,898 |
| Noninterest expense to average assets | 1.8057% | 4,157 |
| Loan and lease loss provision to assets | 0.1526% | 729 |
| Net operating income to assets | -0.0017% | 4,744 |
| Return on assets (ROA) | -0.0017% | 4,756 |
| Pretax return on assets | -0.0017% | 4,753 |
| Return on Equity (ROE) | -0.0126% | 4,756 |
| Retained earnings to average equity (ytd only) | -0.0126% | 4,562 |
| Net charge-offs to loans | 0.2731% | 300 |
| Credit loss provision to net charge-offs | 96.7742% | 1,626 |
| Earnings coverage of net charge-offs (x) | 0.9570% | 2,389 |
| Efficiency ratio | 92.2877% | 264 |
| Assets per employee ($millions) | 9.8375% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 3,746 |
| Loan loss allowance to noncurrent loans | 102.7335% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 1,380 |
| Noncurrent loans to loans | 1.0014% | 1,147 |
| Net loans and leases to total assets | 55.1309% | 2,835 |
| Net loans and leases to deposits | 63.9008% | 2,863 |
| Net loans and leases to core deposits | 69.8185% | 2,614 |
| Total domestic deposits to total assets | 86.2757% | 2,643 |
| Equity capital to assets | 13.5324% | 841 |
| Core capital (leverage) ratio | 13.5356% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5697% | 172 |
| Memoranda: | ||
| Average total assets | $78,638,000 | 4,287 |
| Average earning assets | $68,402,250 | 4,339 |
| Average equity | $10,594,250 | 4,130 |
| Average total loans | $45,400,500 | 4,137 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2324% | 3,606 |
| Cost of funding earning assets | 0.9608% | 128 |
| Net interest margin | 2.2716% | 4,542 |
| Noninterest income to average assets | -0.0458% | 4,935 |
| Noninterest expense to average assets | 1.8291% | 4,123 |
| Loan and lease loss provision to assets | 0.2290% | 460 |
| Net operating income to assets | -0.1552% | 4,820 |
| Return on assets (ROA) | -0.1552% | 4,827 |
| Pretax return on assets | -0.1552% | 4,822 |
| Return on Equity (ROE) | -1.1536% | 4,825 |
| Retained earnings to average equity (ytd only) | -1.1536% | 4,620 |
| Net charge-offs to loans | 0.4050% | 209 |
| Credit loss provision to net charge-offs | 96.7742% | 1,405 |
| Earnings coverage of net charge-offs (x) | 0.3118% | 2,196 |
| Efficiency ratio | 96.1230% | 218 |
| Assets per employee ($millions) | 9.8628% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0091% | 3,790 |
| Loan loss allowance to noncurrent loans | 156.0554% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 2,141 |
| Noncurrent loans to loans | 0.6466% | 1,797 |
| Net loans and leases to total assets | 56.0746% | 2,895 |
| Net loans and leases to deposits | 64.9072% | 2,906 |
| Net loans and leases to core deposits | 71.6572% | 2,632 |
| Total domestic deposits to total assets | 86.3920% | 2,596 |
| Equity capital to assets | 13.4268% | 836 |
| Core capital (leverage) ratio | 13.4122% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.7267% | 193 |
| Memoranda: | ||
| Average total assets | $78,617,333 | 4,314 |
| Average earning assets | $67,441,667 | 4,374 |
| Average equity | $10,575,667 | 4,148 |
| Average total loans | $45,921,000 | 4,155 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3004% | 3,448 |
| Cost of funding earning assets | 1.1063% | 82 |
| Net interest margin | 2.1941% | 4,614 |
| Noninterest income to average assets | 0.0153% | 4,911 |
| Noninterest expense to average assets | 1.9063% | 3,973 |
| Loan and lease loss provision to assets | 0.4587% | 155 |
| Net operating income to assets | -0.5301% | 4,897 |
| Return on assets (ROA) | -0.5301% | 4,897 |
| Pretax return on assets | -0.5301% | 4,889 |
| Return on Equity (ROE) | -3.9370% | 4,893 |
| Retained earnings to average equity (ytd only) | -3.9370% | 4,647 |
| Net charge-offs to loans | 0.7135% | 109 |
| Credit loss provision to net charge-offs | 108.4337% | 1,073 |
| Earnings coverage of net charge-offs (x) | -0.1687% | 1,892 |
| Efficiency ratio | 103.8889% | 148 |
| Assets per employee ($millions) | 15.7614% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 3,784 |
| Loan loss allowance to noncurrent loans | 158.9655% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 1,755 |
| Noncurrent loans to loans | 0.6391% | 1,978 |
| Net loans and leases to total assets | 56.9911% | 2,910 |
| Net loans and leases to deposits | 65.9128% | 2,924 |
| Net loans and leases to core deposits | 73.4208% | 2,567 |
| Total domestic deposits to total assets | 86.4644% | 2,542 |
| Equity capital to assets | 13.3415% | 824 |
| Core capital (leverage) ratio | 13.3832% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7158% | 241 |
| Memoranda: | ||
| Average total assets | $78,475,000 | 4,325 |
| Average earning assets | $65,083,000 | 4,423 |
| Average equity | $10,566,500 | 4,161 |
| Average total loans | $46,534,000 | 4,163 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5171% | 3,998 |
| Cost of funding earning assets | 1.6339% | 43 |
| Net interest margin | 1.8832% | 4,864 |
| Noninterest income to average assets | 0.0338% | 4,890 |
| Noninterest expense to average assets | 1.7496% | 4,546 |
| Loan and lease loss provision to assets | 0.0476% | 3,802 |
| Net operating income to assets | 0.0438% | 4,701 |
| Return on assets (ROA) | 0.0438% | 4,736 |
| Pretax return on assets | -0.0889% | 4,793 |
| Return on Equity (ROE) | 0.3328% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.3328% | 4,413 |
| Net charge-offs to loans | 0.0752% | 1,733 |
| Credit loss provision to net charge-offs | 97.4359% | 2,872 |
| Earnings coverage of net charge-offs (x) | -0.8462% | 3,349 |
| Efficiency ratio | 102.4194% | 156 |
| Assets per employee ($millions) | 11.1633% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9519% | 4,030 |
| Loan loss allowance to noncurrent loans | 540.4762% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 3,445 |
| Noncurrent loans to loans | 0.1761% | 3,579 |
| Net loans and leases to total assets | 60.4533% | 2,797 |
| Net loans and leases to deposits | 70.1202% | 2,870 |
| Net loans and leases to core deposits | 78.7163% | 2,485 |
| Total domestic deposits to total assets | 86.2137% | 2,271 |
| Equity capital to assets | 13.5892% | 904 |
| Core capital (leverage) ratio | 13.5129% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.3646% | 198 |
| Memoranda: | ||
| Average total assets | $79,847,600 | 4,244 |
| Average earning assets | $70,995,600 | 4,282 |
| Average equity | $10,516,400 | 4,148 |
| Average total loans | $51,866,800 | 4,070 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5184% | 4,176 |
| Cost of funding earning assets | 1.7195% | 43 |
| Net interest margin | 1.7990% | 4,935 |
| Noninterest income to average assets | 0.0382% | 4,913 |
| Noninterest expense to average assets | 1.8470% | 4,412 |
| Loan and lease loss provision to assets | 0.0635% | 3,544 |
| Net operating income to assets | -0.2558% | 4,847 |
| Return on assets (ROA) | -0.2558% | 4,855 |
| Pretax return on assets | -0.2558% | 4,853 |
| Return on Equity (ROE) | -1.9572% | 4,860 |
| Retained earnings to average equity (ytd only) | -1.9572% | 4,700 |
| Net charge-offs to loans | 0.0958% | 1,348 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | -3.0526% | 3,176 |
| Efficiency ratio | 111.6466% | 106 |
| Assets per employee ($millions) | 9.9548% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 4,048 |
| Loan loss allowance to noncurrent loans | 108.8517% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5249% | 2,127 |
| Noncurrent loans to loans | 0.8343% | 1,759 |
| Net loans and leases to total assets | 62.3371% | 2,964 |
| Net loans and leases to deposits | 72.0031% | 3,130 |
| Net loans and leases to core deposits | 81.2797% | 2,728 |
| Total domestic deposits to total assets | 86.5755% | 1,825 |
| Equity capital to assets | 13.0955% | 1,137 |
| Core capital (leverage) ratio | 13.0382% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0457% | 243 |
| Memoranda: | ||
| Average total assets | $80,273,750 | 4,247 |
| Average earning assets | $72,114,000 | 4,273 |
| Average equity | $10,490,750 | 4,158 |
| Average total loans | $52,910,000 | 4,068 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 4,291 |
| Cost of funding earning assets | 1.7947% | 46 |
| Net interest margin | 1.7865% | 4,985 |
| Noninterest income to average assets | 0.0224% | 4,970 |
| Noninterest expense to average assets | 1.8761% | 4,449 |
| Loan and lease loss provision to assets | 0.0944% | 3,092 |
| Net operating income to assets | -0.3255% | 4,884 |
| Return on assets (ROA) | -0.3255% | 4,884 |
| Pretax return on assets | -0.3255% | 4,870 |
| Return on Equity (ROE) | -2.4925% | 4,883 |
| Retained earnings to average equity (ytd only) | -2.4925% | 4,621 |
| Net charge-offs to loans | 0.1411% | 1,010 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | -2.4474% | 2,964 |
| Efficiency ratio | 114.0483% | 105 |
| Assets per employee ($millions) | 10.0725% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8775% | 4,091 |
| Loan loss allowance to noncurrent loans | 104.5977% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 1,963 |
| Noncurrent loans to loans | 0.8389% | 1,817 |
| Net loans and leases to total assets | 63.7826% | 2,908 |
| Net loans and leases to deposits | 73.4753% | 3,124 |
| Net loans and leases to core deposits | 83.2432% | 2,671 |
| Total domestic deposits to total assets | 86.8081% | 1,697 |
| Equity capital to assets | 12.9710% | 1,177 |
| Core capital (leverage) ratio | 12.9731% | 1,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.4212% | 253 |
| Memoranda: | ||
| Average total assets | $80,485,667 | 4,247 |
| Average earning assets | $73,103,667 | 4,259 |
| Average equity | $10,511,333 | 4,165 |
| Average total loans | $53,847,000 | 4,062 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7043% | 4,386 |
| Cost of funding earning assets | 1.8467% | 62 |
| Net interest margin | 1.8575% | 5,038 |
| Noninterest income to average assets | 0.0199% | 5,019 |
| Noninterest expense to average assets | 2.0438% | 4,319 |
| Loan and lease loss provision to assets | 0.1044% | 2,377 |
| Net operating income to assets | -0.4177% | 4,912 |
| Return on assets (ROA) | -0.4177% | 4,885 |
| Pretax return on assets | -0.4177% | 4,868 |
| Return on Equity (ROE) | -3.1876% | 4,878 |
| Retained earnings to average equity (ytd only) | -3.1876% | 4,374 |
| Net charge-offs to loans | 0.1532% | 844 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | -3.0000% | 2,508 |
| Efficiency ratio | 118.1034% | 115 |
| Assets per employee ($millions) | 10.0390% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 4,293 |
| Loan loss allowance to noncurrent loans | 52.1191% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 1,111 |
| Noncurrent loans to loans | 1.6187% | 955 |
| Net loans and leases to total assets | 66.5853% | 2,750 |
| Net loans and leases to deposits | 76.7969% | 2,999 |
| Net loans and leases to core deposits | 86.9939% | 2,599 |
| Total domestic deposits to total assets | 86.7031% | 1,692 |
| Equity capital to assets | 13.0728% | 1,392 |
| Core capital (leverage) ratio | 12.9924% | 1,208 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7995% | 288 |
| Memoranda: | ||
| Average total assets | $80,438,500 | 4,261 |
| Average earning assets | $74,077,000 | 4,258 |
| Average equity | $10,541,000 | 4,178 |
| Average total loans | $54,845,000 | 4,055 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 4,578 |
| Cost of funding earning assets | 1.8895% | 97 |
| Net interest margin | 1.8987% | 5,105 |
| Noninterest income to average assets | 0.0086% | 5,112 |
| Noninterest expense to average assets | 2.0783% | 4,397 |
| Loan and lease loss provision to assets | -0.0062% | 4,924 |
| Net operating income to assets | -0.2382% | 5,025 |
| Return on assets (ROA) | -0.2382% | 5,034 |
| Pretax return on assets | -0.2851% | 5,037 |
| Return on Equity (ROE) | -1.8057% | 5,035 |
| Retained earnings to average equity (ytd only) | -1.8057% | 4,863 |
| Net charge-offs to loans | 0.0311% | 2,771 |
| Credit loss provision to net charge-offs | -27.7778% | 4,136 |
| Earnings coverage of net charge-offs (x) | -13.1111% | 3,695 |
| Efficiency ratio | 116.2983% | 84 |
| Assets per employee ($millions) | 8.9517% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8160% | 4,254 |
| Loan loss allowance to noncurrent loans | 52.2388% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 1,144 |
| Noncurrent loans to loans | 1.5621% | 908 |
| Net loans and leases to total assets | 68.6452% | 2,592 |
| Net loans and leases to deposits | 79.2798% | 2,870 |
| Net loans and leases to core deposits | 90.2863% | 2,398 |
| Total domestic deposits to total assets | 86.5860% | 1,813 |
| Equity capital to assets | 13.1360% | 1,442 |
| Core capital (leverage) ratio | 13.0545% | 1,211 |
| Tier 1 risk-based capital ratio | 28.0189% | 555 |
| Total risk-based capital ratio | 29.2235% | 548 |
| Memoranda: | ||
| Average total assets | $81,028,200 | 4,265 |
| Average earning assets | $75,894,400 | 4,254 |
| Average equity | $10,688,400 | 4,158 |
| Average total loans | $57,962,800 | 4,014 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 4,654 |
| Cost of funding earning assets | 1.8636% | 113 |
| Net interest margin | 1.9529% | 5,185 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 2.0901% | 4,380 |
| Loan and lease loss provision to assets | -0.0378% | 5,111 |
| Net operating income to assets | -0.2202% | 5,105 |
| Return on assets (ROA) | -0.2202% | 5,111 |
| Pretax return on assets | -0.2202% | 5,106 |
| Return on Equity (ROE) | -1.6674% | 5,111 |
| Retained earnings to average equity (ytd only) | -1.6674% | 4,905 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.0807% | 94 |
| Assets per employee ($millions) | 8.1318% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 4,410 |
| Loan loss allowance to noncurrent loans | 67.6077% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.8276% | 1,666 |
| Noncurrent loans to loans | 1.1838% | 1,326 |
| Net loans and leases to total assets | 69.3549% | 2,574 |
| Net loans and leases to deposits | 80.1062% | 2,887 |
| Net loans and leases to core deposits | 92.3664% | 2,330 |
| Total domestic deposits to total assets | 86.5786% | 1,734 |
| Equity capital to assets | 13.0869% | 1,576 |
| Core capital (leverage) ratio | 13.0382% | 1,323 |
| Tier 1 risk-based capital ratio | 27.8565% | 584 |
| Total risk-based capital ratio | 29.0475% | 575 |
| Memoranda: | ||
| Average total assets | $81,144,000 | 4,323 |
| Average earning assets | $76,122,750 | 4,299 |
| Average equity | $10,714,750 | 4,200 |
| Average total loans | $58,513,750 | 4,057 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 4,723 |
| Cost of funding earning assets | 1.7955% | 131 |
| Net interest margin | 1.9924% | 5,240 |
| Noninterest income to average assets | -0.0074% | 5,267 |
| Noninterest expense to average assets | 2.0990% | 4,419 |
| Loan and lease loss provision to assets | -0.0567% | 5,182 |
| Net operating income to assets | -0.1776% | 5,143 |
| Return on assets (ROA) | -0.1776% | 5,146 |
| Pretax return on assets | -0.1776% | 5,140 |
| Return on Equity (ROE) | -1.3409% | 5,150 |
| Retained earnings to average equity (ytd only) | -1.3409% | 4,864 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.5661% | 94 |
| Assets per employee ($millions) | 8.1378% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,507 |
| Loan loss allowance to noncurrent loans | 79.6848% | 3,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7017% | 1,952 |
| Noncurrent loans to loans | 0.9805% | 1,668 |
| Net loans and leases to total assets | 70.9995% | 2,383 |
| Net loans and leases to deposits | 81.9523% | 2,739 |
| Net loans and leases to core deposits | 93.8290% | 2,256 |
| Total domestic deposits to total assets | 86.6352% | 1,756 |
| Equity capital to assets | 13.1534% | 1,515 |
| Core capital (leverage) ratio | 13.1257% | 1,245 |
| Tier 1 risk-based capital ratio | 27.6961% | 576 |
| Total risk-based capital ratio | 28.8734% | 566 |
| Memoranda: | ||
| Average total assets | $81,086,000 | 4,359 |
| Average earning assets | $76,189,330 | 4,325 |
| Average equity | $10,739,000 | 4,208 |
| Average total loans | $59,067,330 | 4,071 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7486% | 4,783 |
| Cost of funding earning assets | 1.7236% | 146 |
| Net interest margin | 2.0250% | 5,311 |
| Noninterest income to average assets | -0.0148% | 5,328 |
| Noninterest expense to average assets | 2.0707% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1927% | 5,205 |
| Return on assets (ROA) | -0.1927% | 5,203 |
| Pretax return on assets | -0.1927% | 5,196 |
| Return on Equity (ROE) | -1.4503% | 5,204 |
| Retained earnings to average equity (ytd only) | -1.4503% | 4,702 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.2632% | 103 |
| Assets per employee ($millions) | 8.1183% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8123% | 4,481 |
| Loan loss allowance to noncurrent loans | 103.2397% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6011% | 2,270 |
| Noncurrent loans to loans | 0.7868% | 2,068 |
| Net loans and leases to total assets | 71.8981% | 2,183 |
| Net loans and leases to deposits | 83.0237% | 2,496 |
| Net loans and leases to core deposits | 95.4366% | 1,979 |
| Total domestic deposits to total assets | 86.5994% | 2,007 |
| Equity capital to assets | 13.2257% | 1,334 |
| Core capital (leverage) ratio | 13.2479% | 1,169 |
| Tier 1 risk-based capital ratio | 27.6150% | 583 |
| Total risk-based capital ratio | 28.8444% | 576 |
| Memoranda: | ||
| Average total assets | $80,940,000 | 4,403 |
| Average earning assets | $75,655,000 | 4,376 |
| Average equity | $10,756,500 | 4,231 |
| Average total loans | $59,484,500 | 4,102 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7528% | 4,582 |
| Cost of funding earning assets | 1.2010% | 342 |
| Net interest margin | 2.5518% | 5,183 |
| Noninterest income to average assets | -0.0269% | 5,363 |
| Noninterest expense to average assets | 2.1648% | 4,416 |
| Loan and lease loss provision to assets | 0.3710% | 397 |
| Net operating income to assets | -0.0796% | 5,257 |
| Return on assets (ROA) | -0.0796% | 5,254 |
| Pretax return on assets | -0.1224% | 5,254 |
| Return on Equity (ROE) | -0.5972% | 5,250 |
| Retained earnings to average equity (ytd only) | -0.5972% | 5,051 |
| Net charge-offs to loans | 0.4915% | 363 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 0.6700% | 3,681 |
| Efficiency ratio | 89.7007% | 357 |
| Assets per employee ($millions) | 8.9692% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 4,554 |
| Loan loss allowance to noncurrent loans | 94.4664% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 1,889 |
| Noncurrent loans to loans | 0.8413% | 1,918 |
| Net loans and leases to total assets | 73.9195% | 1,947 |
| Net loans and leases to deposits | 85.5729% | 2,338 |
| Net loans and leases to core deposits | 97.5287% | 1,906 |
| Total domestic deposits to total assets | 86.3818% | 2,059 |
| Equity capital to assets | 13.3816% | 1,189 |
| Core capital (leverage) ratio | 13.2350% | 1,167 |
| Tier 1 risk-based capital ratio | 27.3989% | 596 |
| Total risk-based capital ratio | 28.6113% | 587 |
| Memoranda: | ||
| Average total assets | $81,668,800 | 4,407 |
| Average earning assets | $78,100,800 | 4,345 |
| Average equity | $10,884,400 | 4,175 |
| Average total loans | $61,644,000 | 4,054 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 4,567 |
| Cost of funding earning assets | 1.1090% | 382 |
| Net interest margin | 2.6317% | 5,207 |
| Noninterest income to average assets | -0.0098% | 5,440 |
| Noninterest expense to average assets | 2.1471% | 4,437 |
| Loan and lease loss provision to assets | 0.2816% | 537 |
| Net operating income to assets | 0.0619% | 5,272 |
| Return on assets (ROA) | 0.0619% | 5,265 |
| Pretax return on assets | 0.0879% | 5,255 |
| Return on Equity (ROE) | 0.4646% | 5,269 |
| Retained earnings to average equity (ytd only) | 0.4646% | 4,955 |
| Net charge-offs to loans | 0.3719% | 436 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | 1.3121% | 3,363 |
| Efficiency ratio | 85.3169% | 558 |
| Assets per employee ($millions) | 8.1009% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7870% | 4,667 |
| Loan loss allowance to noncurrent loans | 62.6474% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 1.1949% | 1,174 |
| Noncurrent loans to loans | 1.2562% | 1,343 |
| Net loans and leases to total assets | 74.3856% | 1,922 |
| Net loans and leases to deposits | 86.2556% | 2,341 |
| Net loans and leases to core deposits | 98.6575% | 1,891 |
| Total domestic deposits to total assets | 86.2386% | 2,083 |
| Equity capital to assets | 13.4615% | 1,148 |
| Core capital (leverage) ratio | 13.3113% | 1,172 |
| Tier 1 risk-based capital ratio | 27.4291% | 599 |
| Total risk-based capital ratio | 28.6314% | 595 |
| Memoranda: | ||
| Average total assets | $81,905,250 | 4,445 |
| Average earning assets | $78,629,000 | 4,384 |
| Average equity | $10,905,000 | 4,214 |
| Average total loans | $62,018,000 | 4,083 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7254% | 4,522 |
| Cost of funding earning assets | 1.0110% | 455 |
| Net interest margin | 2.7144% | 5,207 |
| Noninterest income to average assets | -0.0292% | 5,510 |
| Noninterest expense to average assets | 2.1386% | 4,514 |
| Loan and lease loss provision to assets | 0.2603% | 590 |
| Net operating income to assets | 0.1508% | 5,262 |
| Return on assets (ROA) | 0.1508% | 5,255 |
| Pretax return on assets | 0.1849% | 5,249 |
| Return on Equity (ROE) | 1.1371% | 5,260 |
| Retained earnings to average equity (ytd only) | 1.1371% | 4,728 |
| Net charge-offs to loans | 0.3427% | 467 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | 1.7103% | 3,035 |
| Efficiency ratio | 82.7684% | 787 |
| Assets per employee ($millions) | 10.2210% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7750% | 4,770 |
| Loan loss allowance to noncurrent loans | 58.5067% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.0542% | 1,411 |
| Noncurrent loans to loans | 1.3247% | 1,284 |
| Net loans and leases to total assets | 74.8435% | 1,813 |
| Net loans and leases to deposits | 86.6165% | 2,255 |
| Net loans and leases to core deposits | 97.9921% | 1,895 |
| Total domestic deposits to total assets | 86.4079% | 2,094 |
| Equity capital to assets | 13.3659% | 1,153 |
| Core capital (leverage) ratio | 13.3005% | 1,135 |
| Tier 1 risk-based capital ratio | 27.4054% | 589 |
| Total risk-based capital ratio | 28.6040% | 584 |
| Memoranda: | ||
| Average total assets | $82,204,000 | 4,477 |
| Average earning assets | $79,132,670 | 4,417 |
| Average equity | $10,905,000 | 4,242 |
| Average total loans | $62,445,000 | 4,108 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6867% | 4,495 |
| Cost of funding earning assets | 0.9305% | 516 |
| Net interest margin | 2.7562% | 5,201 |
| Noninterest income to average assets | 0.0388% | 5,497 |
| Noninterest expense to average assets | 2.1548% | 4,529 |
| Loan and lease loss provision to assets | 0.2135% | 753 |
| Net operating income to assets | 0.2524% | 5,176 |
| Return on assets (ROA) | 0.2524% | 5,176 |
| Pretax return on assets | 0.3300% | 5,127 |
| Return on Equity (ROE) | 1.9095% | 5,196 |
| Retained earnings to average equity (ytd only) | 1.9095% | 4,383 |
| Net charge-offs to loans | 0.2801% | 551 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 2.5455% | 2,452 |
| Efficiency ratio | 79.8561% | 1,157 |
| Assets per employee ($millions) | 8.1606% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7709% | 4,859 |
| Loan loss allowance to noncurrent loans | 83.4206% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 1.0195% | 1,538 |
| Noncurrent loans to loans | 0.9241% | 1,969 |
| Net loans and leases to total assets | 75.3964% | 1,637 |
| Net loans and leases to deposits | 87.2057% | 2,031 |
| Net loans and leases to core deposits | 98.6026% | 1,797 |
| Total domestic deposits to total assets | 86.4581% | 2,333 |
| Equity capital to assets | 13.3801% | 1,080 |
| Core capital (leverage) ratio | 13.2268% | 1,098 |
| Tier 1 risk-based capital ratio | 27.1293% | 611 |
| Total risk-based capital ratio | 28.3169% | 606 |
| Memoranda: | ||
| Average total assets | $82,422,000 | 4,525 |
| Average earning assets | $79,529,000 | 4,455 |
| Average equity | $10,893,000 | 4,286 |
| Average total loans | $62,829,500 | 4,134 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6767% | 4,393 |
| Cost of funding earning assets | 0.8337% | 521 |
| Net interest margin | 2.8430% | 5,116 |
| Noninterest income to average assets | -0.1072% | 5,646 |
| Noninterest expense to average assets | 2.1597% | 4,623 |
| Loan and lease loss provision to assets | 0.1422% | 1,599 |
| Net operating income to assets | 0.1783% | 5,148 |
| Return on assets (ROA) | 0.1783% | 5,161 |
| Pretax return on assets | 0.2937% | 5,216 |
| Return on Equity (ROE) | 1.4109% | 5,168 |
| Retained earnings to average equity (ytd only) | 1.4109% | 4,443 |
| Net charge-offs to loans | 0.2582% | 1,008 |
| Credit loss provision to net charge-offs | 72.6190% | 3,052 |
| Earnings coverage of net charge-offs (x) | 2.2262% | 3,780 |
| Efficiency ratio | 83.2061% | 841 |
| Assets per employee ($millions) | 8.3238% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7509% | 4,949 |
| Loan loss allowance to noncurrent loans | 87.3857% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.9467% | 1,640 |
| Noncurrent loans to loans | 0.8593% | 2,079 |
| Net loans and leases to total assets | 75.8968% | 1,616 |
| Net loans and leases to deposits | 87.5376% | 2,074 |
| Net loans and leases to core deposits | 99.0841% | 1,783 |
| Total domestic deposits to total assets | 86.7020% | 2,148 |
| Equity capital to assets | 13.0553% | 1,237 |
| Core capital (leverage) ratio | 12.6416% | 1,289 |
| Tier 1 risk-based capital ratio | 26.6753% | 609 |
| Total risk-based capital ratio | 27.8487% | 608 |
| Memoranda: | ||
| Average total assets | $85,800,200 | 4,488 |
| Average earning assets | $81,568,000 | 4,439 |
| Average equity | $10,844,200 | 4,326 |
| Average total loans | $65,071,200 | 4,070 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6923% | 4,337 |
| Cost of funding earning assets | 0.8147% | 525 |
| Net interest margin | 2.8776% | 5,118 |
| Noninterest income to average assets | 0.0093% | 5,667 |
| Noninterest expense to average assets | 2.0777% | 4,782 |
| Loan and lease loss provision to assets | 0.1712% | 1,176 |
| Net operating income to assets | 0.3486% | 5,114 |
| Return on assets (ROA) | 0.3486% | 5,135 |
| Pretax return on assets | 0.4843% | 5,061 |
| Return on Equity (ROE) | 2.7802% | 5,162 |
| Retained earnings to average equity (ytd only) | 2.7802% | 4,247 |
| Net charge-offs to loans | 0.3240% | 648 |
| Credit loss provision to net charge-offs | 69.8113% | 2,702 |
| Earnings coverage of net charge-offs (x) | 2.6730% | 3,435 |
| Efficiency ratio | 76.0158% | 1,586 |
| Assets per employee ($millions) | 7.7578% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7310% | 5,071 |
| Loan loss allowance to noncurrent loans | 77.6509% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 1.1144% | 1,490 |
| Noncurrent loans to loans | 0.9414% | 2,037 |
| Net loans and leases to total assets | 75.7441% | 1,630 |
| Net loans and leases to deposits | 87.1494% | 2,163 |
| Net loans and leases to core deposits | 98.4315% | 1,850 |
| Total domestic deposits to total assets | 86.9129% | 1,901 |
| Equity capital to assets | 12.8199% | 1,485 |
| Core capital (leverage) ratio | 12.6449% | 1,358 |
| Tier 1 risk-based capital ratio | 26.2193% | 660 |
| Total risk-based capital ratio | 27.3601% | 655 |
| Memoranda: | ||
| Average total assets | $86,440,750 | 4,523 |
| Average earning assets | $81,826,500 | 4,478 |
| Average equity | $10,838,500 | 4,373 |
| Average total loans | $65,425,750 | 4,095 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 3,598 |
| Cost of funding earning assets | 0.7940% | 541 |
| Net interest margin | 3.0928% | 4,707 |
| Noninterest income to average assets | -0.0023% | 5,740 |
| Noninterest expense to average assets | 2.1334% | 4,707 |
| Loan and lease loss provision to assets | 0.1175% | 1,749 |
| Net operating income to assets | 0.4193% | 4,934 |
| Return on assets (ROA) | 0.4193% | 4,962 |
| Pretax return on assets | 0.6635% | 4,653 |
| Return on Equity (ROE) | 3.3689% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.3689% | 3,708 |
| Net charge-offs to loans | 0.2259% | 901 |
| Credit loss provision to net charge-offs | 68.9189% | 2,392 |
| Earnings coverage of net charge-offs (x) | 4.5811% | 2,907 |
| Efficiency ratio | 73.2016% | 2,149 |
| Assets per employee ($millions) | 7.8607% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 5,029 |
| Loan loss allowance to noncurrent loans | 74.7761% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.1311% | 1,531 |
| Noncurrent loans to loans | 1.0257% | 1,914 |
| Net loans and leases to total assets | 74.9653% | 1,705 |
| Net loans and leases to deposits | 86.0357% | 2,213 |
| Net loans and leases to core deposits | 96.9445% | 1,892 |
| Total domestic deposits to total assets | 87.1328% | 1,891 |
| Equity capital to assets | 12.6012% | 1,573 |
| Core capital (leverage) ratio | 12.5900% | 1,335 |
| Tier 1 risk-based capital ratio | 25.9243% | 680 |
| Total risk-based capital ratio | 27.1163% | 667 |
| Memoranda: | ||
| Average total assets | $86,809,000 | 4,545 |
| Average earning assets | $81,868,330 | 4,507 |
| Average equity | $10,804,670 | 4,389 |
| Average total loans | $65,530,000 | 4,112 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7913% | 3,791 |
| Cost of funding earning assets | 0.7719% | 573 |
| Net interest margin | 3.0194% | 4,854 |
| Noninterest income to average assets | -0.0322% | 5,830 |
| Noninterest expense to average assets | 2.2074% | 4,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4139% | 4,911 |
| Return on assets (ROA) | 0.4139% | 4,933 |
| Pretax return on assets | 0.6024% | 4,726 |
| Return on Equity (ROE) | 3.3460% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.3460% | 3,762 |
| Net charge-offs to loans | 0.0122% | 2,572 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 65.5000% | 754 |
| Efficiency ratio | 78.5597% | 1,555 |
| Assets per employee ($millions) | 7.9237% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7970% | 5,076 |
| Loan loss allowance to noncurrent loans | 47.1545% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 1,018 |
| Noncurrent loans to loans | 1.6902% | 1,136 |
| Net loans and leases to total assets | 74.5448% | 1,655 |
| Net loans and leases to deposits | 85.2957% | 2,113 |
| Net loans and leases to core deposits | 95.0454% | 1,892 |
| Total domestic deposits to total assets | 87.3957% | 2,034 |
| Equity capital to assets | 12.3955% | 1,598 |
| Core capital (leverage) ratio | 12.4611% | 1,357 |
| Tier 1 risk-based capital ratio | 25.2843% | 752 |
| Total risk-based capital ratio | 26.5060% | 735 |
| Memoranda: | ||
| Average total assets | $86,979,500 | 4,588 |
| Average earning assets | $81,871,000 | 4,554 |
| Average equity | $10,759,000 | 4,426 |
| Average total loans | $65,634,000 | 4,140 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 3,642 |
| Cost of funding earning assets | 0.7765% | 559 |
| Net interest margin | 3.1050% | 4,714 |
| Noninterest income to average assets | -0.0112% | 5,872 |
| Noninterest expense to average assets | 2.1632% | 4,857 |
| Loan and lease loss provision to assets | 0.1035% | 2,315 |
| Net operating income to assets | 0.4320% | 4,845 |
| Return on assets (ROA) | 0.4320% | 4,933 |
| Pretax return on assets | 0.6232% | 4,728 |
| Return on Equity (ROE) | 3.6546% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.6546% | 3,317 |
| Net charge-offs to loans | 0.2395% | 1,163 |
| Credit loss provision to net charge-offs | 58.2278% | 3,272 |
| Earnings coverage of net charge-offs (x) | 4.0886% | 3,559 |
| Efficiency ratio | 74.8540% | 2,157 |
| Assets per employee ($millions) | 7.8907% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7967% | 5,117 |
| Loan loss allowance to noncurrent loans | 72.2759% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 1.1959% | 1,511 |
| Noncurrent loans to loans | 1.1023% | 1,885 |
| Net loans and leases to total assets | 75.1722% | 1,662 |
| Net loans and leases to deposits | 85.9703% | 2,175 |
| Net loans and leases to core deposits | 94.7821% | 2,034 |
| Total domestic deposits to total assets | 87.4398% | 1,910 |
| Equity capital to assets | 12.3436% | 1,608 |
| Core capital (leverage) ratio | 12.0515% | 1,567 |
| Tier 1 risk-based capital ratio | 25.1190% | 762 |
| Total risk-based capital ratio | 26.3475% | 746 |
| Memoranda: | ||
| Average total assets | $88,896,400 | 4,565 |
| Average earning assets | $83,060,600 | 4,537 |
| Average equity | $10,507,200 | 4,491 |
| Average total loans | $65,978,600 | 4,143 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8367% | 3,813 |
| Cost of funding earning assets | 0.7817% | 552 |
| Net interest margin | 3.0550% | 4,888 |
| Noninterest income to average assets | -0.0388% | 5,949 |
| Noninterest expense to average assets | 2.1724% | 4,838 |
| Loan and lease loss provision to assets | 0.0805% | 2,596 |
| Net operating income to assets | 0.4071% | 4,996 |
| Return on assets (ROA) | 0.4071% | 5,091 |
| Pretax return on assets | 0.5576% | 4,980 |
| Return on Equity (ROE) | 3.4813% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.4813% | 3,811 |
| Net charge-offs to loans | 0.2887% | 791 |
| Credit loss provision to net charge-offs | 37.7622% | 3,169 |
| Earnings coverage of net charge-offs (x) | 2.9930% | 3,484 |
| Efficiency ratio | 77.2944% | 1,798 |
| Assets per employee ($millions) | 8.0474% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7719% | 5,268 |
| Loan loss allowance to noncurrent loans | 58.7339% | 4,538 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 1,658 |
| Noncurrent loans to loans | 1.3142% | 1,688 |
| Net loans and leases to total assets | 72.7545% | 2,053 |
| Net loans and leases to deposits | 82.9615% | 2,606 |
| Net loans and leases to core deposits | 91.5153% | 2,435 |
| Total domestic deposits to total assets | 87.6967% | 1,557 |
| Equity capital to assets | 11.9779% | 2,132 |
| Core capital (leverage) ratio | 11.8721% | 1,773 |
| Tier 1 risk-based capital ratio | 24.9494% | 819 |
| Total risk-based capital ratio | 26.1283% | 808 |
| Memoranda: | ||
| Average total assets | $89,421,000 | 4,592 |
| Average earning assets | $83,403,000 | 4,564 |
| Average equity | $10,455,500 | 4,547 |
| Average total loans | $66,030,250 | 4,166 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 3,658 |
| Cost of funding earning assets | 0.7587% | 601 |
| Net interest margin | 3.1205% | 4,778 |
| Noninterest income to average assets | -0.0201% | 6,023 |
| Noninterest expense to average assets | 2.2759% | 4,672 |
| Loan and lease loss provision to assets | 0.0646% | 2,849 |
| Net operating income to assets | 0.3901% | 5,063 |
| Return on assets (ROA) | 0.3901% | 5,143 |
| Pretax return on assets | 0.5640% | 4,987 |
| Return on Equity (ROE) | 3.3633% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.3633% | 3,755 |
| Net charge-offs to loans | 0.3554% | 656 |
| Credit loss provision to net charge-offs | 24.5763% | 2,901 |
| Earnings coverage of net charge-offs (x) | 2.3898% | 3,280 |
| Efficiency ratio | 78.3576% | 1,735 |
| Assets per employee ($millions) | 8.0869% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7591% | 5,379 |
| Loan loss allowance to noncurrent loans | 51.7028% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2838% | 1,581 |
| Noncurrent loans to loans | 1.4682% | 1,497 |
| Net loans and leases to total assets | 73.6297% | 1,913 |
| Net loans and leases to deposits | 83.7089% | 2,500 |
| Net loans and leases to core deposits | 93.5445% | 2,207 |
| Total domestic deposits to total assets | 87.9592% | 1,455 |
| Equity capital to assets | 11.8103% | 2,263 |
| Core capital (leverage) ratio | 11.7256% | 1,829 |
| Tier 1 risk-based capital ratio | 24.5164% | 854 |
| Total risk-based capital ratio | 25.6855% | 846 |
| Memoranda: | ||
| Average total assets | $89,721,000 | 4,622 |
| Average earning assets | $84,088,670 | 4,585 |
| Average equity | $10,406,330 | 4,583 |
| Average total loans | $66,405,670 | 4,187 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6784% | 4,398 |
| Cost of funding earning assets | 0.7470% | 643 |
| Net interest margin | 2.9315% | 5,259 |
| Noninterest income to average assets | 0.1110% | 5,786 |
| Noninterest expense to average assets | 2.2374% | 4,812 |
| Loan and lease loss provision to assets | 0.2619% | 654 |
| Net operating income to assets | 0.2353% | 5,463 |
| Return on assets (ROA) | 0.2353% | 5,526 |
| Pretax return on assets | 0.3818% | 5,346 |
| Return on Equity (ROE) | 2.0470% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.0470% | 4,441 |
| Net charge-offs to loans | 0.7567% | 269 |
| Credit loss provision to net charge-offs | 46.8254% | 2,079 |
| Earnings coverage of net charge-offs (x) | 1.1508% | 2,860 |
| Efficiency ratio | 77.6579% | 1,948 |
| Assets per employee ($millions) | 7.4828% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7886% | 5,397 |
| Loan loss allowance to noncurrent loans | 43.2589% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.6070% | 1,239 |
| Noncurrent loans to loans | 1.8229% | 1,221 |
| Net loans and leases to total assets | 73.2777% | 1,835 |
| Net loans and leases to deposits | 83.0072% | 2,428 |
| Net loans and leases to core deposits | 92.9338% | 2,095 |
| Total domestic deposits to total assets | 88.2787% | 1,486 |
| Equity capital to assets | 11.5631% | 2,381 |
| Core capital (leverage) ratio | 11.4874% | 1,981 |
| Tier 1 risk-based capital ratio | 24.1718% | 895 |
| Total risk-based capital ratio | 25.3894% | 885 |
| Memoranda: | ||
| Average total assets | $90,103,500 | 4,658 |
| Average earning assets | $85,145,000 | 4,592 |
| Average equity | $10,356,500 | 4,607 |
| Average total loans | $66,609,000 | 4,205 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8751% | 3,789 |
| Cost of funding earning assets | 0.7873% | 534 |
| Net interest margin | 3.0879% | 4,933 |
| Noninterest income to average assets | -0.0442% | 6,130 |
| Noninterest expense to average assets | 2.1389% | 5,173 |
| Loan and lease loss provision to assets | 0.2994% | 577 |
| Net operating income to assets | 0.2596% | 5,463 |
| Return on assets (ROA) | 0.3533% | 5,291 |
| Pretax return on assets | 0.4685% | 5,181 |
| Return on Equity (ROE) | 3.2245% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.2245% | 3,757 |
| Net charge-offs to loans | 0.3768% | 768 |
| Credit loss provision to net charge-offs | 109.0196% | 2,310 |
| Earnings coverage of net charge-offs (x) | 2.3412% | 3,927 |
| Efficiency ratio | 76.8873% | 2,131 |
| Assets per employee ($millions) | 7.5344% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8820% | 5,148 |
| Loan loss allowance to noncurrent loans | 48.7201% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 1.5374% | 1,300 |
| Noncurrent loans to loans | 1.8103% | 1,209 |
| Net loans and leases to total assets | 73.3368% | 1,838 |
| Net loans and leases to deposits | 82.9074% | 2,486 |
| Net loans and leases to core deposits | 93.7174% | 2,070 |
| Total domestic deposits to total assets | 88.4563% | 1,402 |
| Equity capital to assets | 11.4253% | 2,419 |
| Core capital (leverage) ratio | 11.0989% | 2,311 |
| Tier 1 risk-based capital ratio | 23.8783% | 935 |
| Total risk-based capital ratio | 25.1266% | 925 |
| Memoranda: | ||
| Average total assets | $92,849,400 | 4,609 |
| Average earning assets | $84,977,600 | 4,611 |
| Average equity | $10,172,000 | 4,628 |
| Average total loans | $67,666,800 | 4,154 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8993% | 3,745 |
| Cost of funding earning assets | 0.7984% | 501 |
| Net interest margin | 3.1009% | 4,965 |
| Noninterest income to average assets | -0.0542% | 6,220 |
| Noninterest expense to average assets | 2.1542% | 5,158 |
| Loan and lease loss provision to assets | 0.3067% | 467 |
| Net operating income to assets | 0.2559% | 5,564 |
| Return on assets (ROA) | 0.3966% | 5,270 |
| Pretax return on assets | 0.4651% | 5,307 |
| Return on Equity (ROE) | 3.6581% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.6581% | 3,861 |
| Net charge-offs to loans | 0.5305% | 440 |
| Credit loss provision to net charge-offs | 79.6296% | 2,617 |
| Earnings coverage of net charge-offs (x) | 1.5741% | 3,808 |
| Efficiency ratio | 78.0362% | 1,936 |
| Assets per employee ($millions) | 7.6214% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7608% | 5,609 |
| Loan loss allowance to noncurrent loans | 47.3198% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 1.4247% | 1,606 |
| Noncurrent loans to loans | 1.6079% | 1,536 |
| Net loans and leases to total assets | 73.0201% | 1,904 |
| Net loans and leases to deposits | 82.4897% | 2,587 |
| Net loans and leases to core deposits | 93.5257% | 2,126 |
| Total domestic deposits to total assets | 88.5203% | 1,292 |
| Equity capital to assets | 11.2403% | 2,759 |
| Core capital (leverage) ratio | 11.2400% | 2,257 |
| Tier 1 risk-based capital ratio | 23.4361% | 1,009 |
| Total risk-based capital ratio | 24.6033% | 1,004 |
| Memoranda: | ||
| Average total assets | $93,458,500 | 4,643 |
| Average earning assets | $84,834,250 | 4,666 |
| Average equity | $10,132,500 | 4,692 |
| Average total loans | $67,859,500 | 4,184 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 3,518 |
| Cost of funding earning assets | 0.8068% | 479 |
| Net interest margin | 3.1373% | 4,862 |
| Noninterest income to average assets | -0.0914% | 6,301 |
| Noninterest expense to average assets | 2.0589% | 5,419 |
| Loan and lease loss provision to assets | 0.4568% | 232 |
| Net operating income to assets | 0.1629% | 5,784 |
| Return on assets (ROA) | 0.3527% | 5,398 |
| Pretax return on assets | 0.4568% | 5,338 |
| Return on Equity (ROE) | 3.2926% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.2926% | 3,950 |
| Net charge-offs to loans | 0.7877% | 279 |
| Credit loss provision to net charge-offs | 80.2239% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.1716% | 3,565 |
| Efficiency ratio | 75.5261% | 2,449 |
| Assets per employee ($millions) | 7.7847% | 583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7659% | 5,681 |
| Loan loss allowance to noncurrent loans | 55.5076% | 4,856 |
| Noncurrent assets plus other real estate owned to assets | 1.2278% | 2,056 |
| Noncurrent loans to loans | 1.3798% | 1,959 |
| Net loans and leases to total assets | 71.2897% | 2,109 |
| Net loans and leases to deposits | 80.0837% | 2,772 |
| Net loans and leases to core deposits | 90.7624% | 2,267 |
| Total domestic deposits to total assets | 89.0190% | 1,128 |
| Equity capital to assets | 10.8846% | 3,008 |
| Core capital (leverage) ratio | 10.8849% | 2,530 |
| Tier 1 risk-based capital ratio | 22.9837% | 1,086 |
| Total risk-based capital ratio | 24.1456% | 1,071 |
| Memoranda: | ||
| Average total assets | $94,125,670 | 4,677 |
| Average earning assets | $84,531,330 | 4,721 |
| Average equity | $10,083,330 | 4,733 |
| Average total loans | $68,048,000 | 4,212 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 3,140 |
| Cost of funding earning assets | 0.8144% | 464 |
| Net interest margin | 3.2099% | 4,573 |
| Noninterest income to average assets | -0.2117% | 6,384 |
| Noninterest expense to average assets | 2.2481% | 5,012 |
| Loan and lease loss provision to assets | 0.7494% | 112 |
| Net operating income to assets | -0.2296% | 6,162 |
| Return on assets (ROA) | 0.0847% | 5,956 |
| Pretax return on assets | 0.1355% | 5,915 |
| Return on Equity (ROE) | 0.7967% | 5,947 |
| Retained earnings to average equity (ytd only) | 0.7967% | 5,136 |
| Net charge-offs to loans | 1.0683% | 222 |
| Credit loss provision to net charge-offs | 96.7213% | 1,700 |
| Earnings coverage of net charge-offs (x) | 0.5082% | 3,040 |
| Efficiency ratio | 85.0962% | 1,263 |
| Assets per employee ($millions) | 7.9040% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8257% | 5,627 |
| Loan loss allowance to noncurrent loans | 51.7528% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 1.3780% | 1,920 |
| Noncurrent loans to loans | 1.5954% | 1,755 |
| Net loans and leases to total assets | 71.0442% | 1,976 |
| Net loans and leases to deposits | 79.5617% | 2,610 |
| Net loans and leases to core deposits | 90.6052% | 2,076 |
| Total domestic deposits to total assets | 89.2945% | 1,095 |
| Equity capital to assets | 10.5664% | 3,463 |
| Core capital (leverage) ratio | 10.5668% | 2,887 |
| Tier 1 risk-based capital ratio | 22.2158% | 1,207 |
| Total risk-based capital ratio | 23.4594% | 1,193 |
| Memoranda: | ||
| Average total assets | $94,480,500 | 4,706 |
| Average earning assets | $83,989,500 | 4,777 |
| Average equity | $10,041,000 | 4,769 |
| Average total loans | $68,517,000 | 4,217 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9243% | 4,043 |
| Cost of funding earning assets | 0.8211% | 582 |
| Net interest margin | 3.1032% | 5,199 |
| Noninterest income to average assets | -0.2360% | 6,479 |
| Noninterest expense to average assets | 2.2661% | 5,199 |
| Loan and lease loss provision to assets | 0.4647% | 351 |
| Net operating income to assets | 0.0520% | 6,016 |
| Return on assets (ROA) | 0.0520% | 6,043 |
| Pretax return on assets | -0.0281% | 6,113 |
| Return on Equity (ROE) | 0.4968% | 6,038 |
| Retained earnings to average equity (ytd only) | 0.4968% | 5,549 |
| Net charge-offs to loans | 0.7500% | 478 |
| Credit loss provision to net charge-offs | 85.3053% | 2,753 |
| Earnings coverage of net charge-offs (x) | 0.8015% | 4,564 |
| Efficiency ratio | 83.8462% | 1,427 |
| Assets per employee ($millions) | 7.8428% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 5,722 |
| Loan loss allowance to noncurrent loans | 46.7436% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 1,606 |
| Noncurrent loans to loans | 1.7557% | 1,643 |
| Net loans and leases to total assets | 72.8082% | 1,791 |
| Net loans and leases to deposits | 81.6652% | 2,514 |
| Net loans and leases to core deposits | 92.6323% | 2,028 |
| Total domestic deposits to total assets | 89.1545% | 1,143 |
| Equity capital to assets | 10.6893% | 3,251 |
| Core capital (leverage) ratio | 10.6287% | 2,805 |
| Tier 1 risk-based capital ratio | 22.9991% | 1,085 |
| Total risk-based capital ratio | 24.2499% | 1,059 |
| Memoranda: | ||
| Average total assets | $96,198,400 | 4,690 |
| Average earning assets | $91,099,400 | 4,629 |
| Average equity | $10,063,600 | 4,738 |
| Average total loans | $69,864,800 | 4,185 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9271% | 4,067 |
| Cost of funding earning assets | 0.8270% | 603 |
| Net interest margin | 3.1001% | 5,256 |
| Noninterest income to average assets | -0.3102% | 6,565 |
| Noninterest expense to average assets | 2.2304% | 5,284 |
| Loan and lease loss provision to assets | 0.2854% | 708 |
| Net operating income to assets | 0.1640% | 5,917 |
| Return on assets (ROA) | 0.1640% | 5,955 |
| Pretax return on assets | 0.1144% | 6,044 |
| Return on Equity (ROE) | 1.5764% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.5764% | 5,257 |
| Net charge-offs to loans | 0.6166% | 590 |
| Credit loss provision to net charge-offs | 63.8889% | 2,878 |
| Earnings coverage of net charge-offs (x) | 0.8951% | 4,284 |
| Efficiency ratio | 84.8008% | 1,304 |
| Assets per employee ($millions) | 7.9629% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 6,002 |
| Loan loss allowance to noncurrent loans | 39.0370% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 1.7780% | 1,683 |
| Noncurrent loans to loans | 1.9150% | 1,674 |
| Net loans and leases to total assets | 73.2238% | 1,641 |
| Net loans and leases to deposits | 82.0395% | 2,418 |
| Net loans and leases to core deposits | 93.2435% | 1,936 |
| Total domestic deposits to total assets | 89.2544% | 1,099 |
| Equity capital to assets | 10.5803% | 3,455 |
| Core capital (leverage) ratio | 10.5395% | 3,001 |
| Tier 1 risk-based capital ratio | 22.6442% | 1,168 |
| Total risk-based capital ratio | 23.8291% | 1,160 |
| Memoranda: | ||
| Average total assets | $96,719,750 | 4,727 |
| Average earning assets | $91,737,250 | 4,651 |
| Average equity | $10,064,500 | 4,770 |
| Average total loans | $70,058,750 | 4,218 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9309% | 4,011 |
| Cost of funding earning assets | 0.8330% | 603 |
| Net interest margin | 3.0978% | 5,259 |
| Noninterest income to average assets | -0.2513% | 6,634 |
| Noninterest expense to average assets | 2.0822% | 5,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3625% | 5,364 |
| Return on assets (ROA) | 0.3625% | 5,432 |
| Pretax return on assets | 0.6076% | 4,936 |
| Return on Equity (ROE) | 3.5027% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.5027% | 3,974 |
| Net charge-offs to loans | 0.6208% | 636 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.3594% | 3,828 |
| Efficiency ratio | 77.4119% | 2,389 |
| Assets per employee ($millions) | 8.0916% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6073% | 6,303 |
| Loan loss allowance to noncurrent loans | 33.9158% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 1.9094% | 1,697 |
| Noncurrent loans to loans | 1.7905% | 1,923 |
| Net loans and leases to total assets | 71.9760% | 1,750 |
| Net loans and leases to deposits | 80.7086% | 2,421 |
| Net loans and leases to core deposits | 91.5292% | 1,972 |
| Total domestic deposits to total assets | 89.1801% | 1,262 |
| Equity capital to assets | 10.4944% | 3,446 |
| Core capital (leverage) ratio | 10.4316% | 3,039 |
| Tier 1 risk-based capital ratio | 22.5721% | 1,177 |
| Total risk-based capital ratio | 23.5236% | 1,204 |
| Memoranda: | ||
| Average total assets | $97,108,000 | 4,749 |
| Average earning assets | $92,193,670 | 4,675 |
| Average equity | $10,049,330 | 4,794 |
| Average total loans | $69,913,000 | 4,236 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8885% | 4,130 |
| Cost of funding earning assets | 0.8444% | 599 |
| Net interest margin | 3.0441% | 5,401 |
| Noninterest income to average assets | -0.3501% | 6,705 |
| Noninterest expense to average assets | 2.1954% | 5,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2265% | 5,725 |
| Return on assets (ROA) | 0.2265% | 5,778 |
| Pretax return on assets | 0.3501% | 5,595 |
| Return on Equity (ROE) | 2.2046% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.2046% | 4,722 |
| Net charge-offs to loans | 1.0328% | 321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.4722% | 3,339 |
| Efficiency ratio | 86.2460% | 1,427 |
| Assets per employee ($millions) | 8.8572% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6646% | 6,321 |
| Loan loss allowance to noncurrent loans | 37.0016% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 1,417 |
| Noncurrent loans to loans | 1.7961% | 2,146 |
| Net loans and leases to total assets | 71.1821% | 1,696 |
| Net loans and leases to deposits | 79.6289% | 2,346 |
| Net loans and leases to core deposits | 89.9297% | 1,912 |
| Total domestic deposits to total assets | 89.3923% | 1,424 |
| Equity capital to assets | 10.3019% | 3,468 |
| Core capital (leverage) ratio | 10.2711% | 3,198 |
| Tier 1 risk-based capital ratio | 22.0812% | 1,283 |
| Total risk-based capital ratio | 23.1051% | 1,292 |
| Memoranda: | ||
| Average total assets | $97,112,500 | 4,793 |
| Average earning assets | $92,374,500 | 4,714 |
| Average equity | $9,979,000 | 4,820 |
| Average total loans | $69,712,000 | 4,271 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 4,094 |
| Cost of funding earning assets | 1.0021% | 435 |
| Net interest margin | 2.9923% | 5,594 |
| Noninterest income to average assets | -0.1123% | 6,725 |
| Noninterest expense to average assets | 1.9307% | 6,139 |
| Loan and lease loss provision to assets | 0.2436% | 1,481 |
| Net operating income to assets | 0.3468% | 5,346 |
| Return on assets (ROA) | 0.3468% | 5,460 |
| Pretax return on assets | 0.4822% | 5,254 |
| Return on Equity (ROE) | 3.5333% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.5333% | 3,708 |
| Net charge-offs to loans | 0.0909% | 3,934 |
| Credit loss provision to net charge-offs | 385.7143% | 589 |
| Earnings coverage of net charge-offs (x) | 11.4921% | 2,234 |
| Efficiency ratio | 72.6792% | 3,353 |
| Assets per employee ($millions) | 9.6796% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 5,839 |
| Loan loss allowance to noncurrent loans | 35.8575% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 2.4629% | 1,401 |
| Noncurrent loans to loans | 2.5802% | 1,451 |
| Net loans and leases to total assets | 71.2467% | 1,804 |
| Net loans and leases to deposits | 79.5167% | 2,519 |
| Net loans and leases to core deposits | 89.8331% | 2,047 |
| Total domestic deposits to total assets | 89.5998% | 1,276 |
| Equity capital to assets | 10.2494% | 3,446 |
| Core capital (leverage) ratio | 10.2824% | 3,175 |
| Tier 1 risk-based capital ratio | 22.1626% | 1,231 |
| Total risk-based capital ratio | 23.4140% | 1,206 |
| Memoranda: | ||
| Average total assets | $99,758,000 | 4,743 |
| Average earning assets | $92,302,800 | 4,716 |
| Average equity | $9,792,600 | 4,898 |
| Average total loans | $69,301,400 | 4,295 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0476% | 3,945 |
| Cost of funding earning assets | 1.0380% | 410 |
| Net interest margin | 3.0096% | 5,567 |
| Noninterest income to average assets | -0.0995% | 6,811 |
| Noninterest expense to average assets | 1.8746% | 6,220 |
| Loan and lease loss provision to assets | 0.2905% | 1,185 |
| Net operating income to assets | 0.3662% | 5,383 |
| Return on assets (ROA) | 0.3662% | 5,520 |
| Pretax return on assets | 0.4935% | 5,374 |
| Return on Equity (ROE) | 3.7702% | 5,318 |
| Retained earnings to average equity (ytd only) | 3.7702% | 4,000 |
| Net charge-offs to loans | 0.1213% | 3,333 |
| Credit loss provision to net charge-offs | 347.6190% | 745 |
| Earnings coverage of net charge-offs (x) | 9.3807% | 2,490 |
| Efficiency ratio | 70.5090% | 3,670 |
| Assets per employee ($millions) | 10.0202% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8927% | 6,072 |
| Loan loss allowance to noncurrent loans | 33.6773% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 2.4870% | 1,549 |
| Noncurrent loans to loans | 2.6509% | 1,594 |
| Net loans and leases to total assets | 68.6902% | 2,203 |
| Net loans and leases to deposits | 76.3452% | 2,908 |
| Net loans and leases to core deposits | 87.5030% | 2,232 |
| Total domestic deposits to total assets | 89.9733% | 1,011 |
| Equity capital to assets | 9.8950% | 4,061 |
| Core capital (leverage) ratio | 9.8631% | 3,874 |
| Tier 1 risk-based capital ratio | 21.6192% | 1,380 |
| Total risk-based capital ratio | 22.8748% | 1,357 |
| Memoranda: | ||
| Average total assets | $100,498,500 | 4,771 |
| Average earning assets | $92,102,000 | 4,767 |
| Average equity | $9,760,500 | 4,958 |
| Average total loans | $69,224,750 | 4,326 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 4,217 |
| Cost of funding earning assets | 1.0758% | 370 |
| Net interest margin | 2.8956% | 5,807 |
| Noninterest income to average assets | 0.0119% | 6,766 |
| Noninterest expense to average assets | 1.7714% | 6,423 |
| Loan and lease loss provision to assets | 0.1690% | 2,223 |
| Net operating income to assets | 0.3976% | 5,225 |
| Return on assets (ROA) | 0.3976% | 5,388 |
| Pretax return on assets | 0.7098% | 4,654 |
| Return on Equity (ROE) | 4.1199% | 5,168 |
| Retained earnings to average equity (ytd only) | 4.1199% | 3,668 |
| Net charge-offs to loans | 0.2950% | 2,006 |
| Credit loss provision to net charge-offs | 83.3333% | 2,561 |
| Earnings coverage of net charge-offs (x) | 4.3333% | 3,159 |
| Efficiency ratio | 66.8417% | 4,391 |
| Assets per employee ($millions) | 9.1507% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6461% | 6,561 |
| Loan loss allowance to noncurrent loans | 17.8159% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 3.4533% | 1,121 |
| Noncurrent loans to loans | 3.6263% | 1,135 |
| Net loans and leases to total assets | 68.2926% | 2,182 |
| Net loans and leases to deposits | 75.8357% | 2,901 |
| Net loans and leases to core deposits | 87.2228% | 2,201 |
| Total domestic deposits to total assets | 90.0534% | 996 |
| Equity capital to assets | 9.7429% | 4,248 |
| Core capital (leverage) ratio | 9.7429% | 3,876 |
| Tier 1 risk-based capital ratio | 21.2498% | 1,436 |
| Total risk-based capital ratio | 22.2184% | 1,476 |
| Memoranda: | ||
| Average total assets | $100,597,330 | 4,800 |
| Average earning assets | $91,655,000 | 4,804 |
| Average equity | $9,709,000 | 5,009 |
| Average total loans | $69,150,000 | 4,341 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0032% | 4,107 |
| Cost of funding earning assets | 1.1132% | 351 |
| Net interest margin | 2.8900% | 5,832 |
| Noninterest income to average assets | 0.0040% | 6,843 |
| Noninterest expense to average assets | 1.8694% | 6,333 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4176% | 5,057 |
| Return on assets (ROA) | 0.4176% | 5,208 |
| Pretax return on assets | 0.7676% | 4,306 |
| Return on Equity (ROE) | 4.3478% | 4,926 |
| Retained earnings to average equity (ytd only) | 4.3478% | 3,628 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8899% | 3,809 |
| Assets per employee ($millions) | 9.2385% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6671% | 6,632 |
| Loan loss allowance to noncurrent loans | 17.7506% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 3.6419% | 1,146 |
| Noncurrent loans to loans | 3.7583% | 1,235 |
| Net loans and leases to total assets | 67.9839% | 2,013 |
| Net loans and leases to deposits | 75.3380% | 2,729 |
| Net loans and leases to core deposits | 87.3625% | 1,972 |
| Total domestic deposits to total assets | 90.2385% | 917 |
| Equity capital to assets | 9.5568% | 4,776 |
| Core capital (leverage) ratio | 9.5568% | 3,992 |
| Tier 1 risk-based capital ratio | 21.0494% | 1,522 |
| Total risk-based capital ratio | 22.0551% | 1,558 |
| Memoranda: | ||
| Average total assets | $100,567,000 | 4,853 |
| Average earning assets | $91,627,500 | 4,853 |
| Average equity | $9,660,000 | 5,078 |
| Average total loans | $69,130,500 | 4,372 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2119% | 4,541 |
| Cost of funding earning assets | 1.2359% | 491 |
| Net interest margin | 2.9760% | 6,093 |
| Noninterest income to average assets | 0.0477% | 6,699 |
| Noninterest expense to average assets | 1.8233% | 6,594 |
| Loan and lease loss provision to assets | 0.0467% | 5,252 |
| Net operating income to assets | 0.7224% | 3,632 |
| Return on assets (ROA) | 0.7224% | 3,884 |
| Pretax return on assets | 0.9750% | 3,638 |
| Return on Equity (ROE) | 7.6898% | 3,241 |
| Retained earnings to average equity (ytd only) | 7.6898% | 1,242 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0870% | 4,866 |
| Assets per employee ($millions) | 8.2925% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6753% | 6,664 |
| Loan loss allowance to noncurrent loans | 25.9073% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 3.1685% | 1,470 |
| Noncurrent loans to loans | 2.6066% | 2,028 |
| Net loans and leases to total assets | 68.5810% | 2,089 |
| Net loans and leases to deposits | 76.1289% | 2,784 |
| Net loans and leases to core deposits | 86.6603% | 2,235 |
| Total domestic deposits to total assets | 90.0854% | 907 |
| Equity capital to assets | 9.6553% | 4,644 |
| Core capital (leverage) ratio | 9.6553% | 3,881 |
| Tier 1 risk-based capital ratio | 21.0591% | 1,447 |
| Total risk-based capital ratio | 22.0761% | 1,468 |
| Memoranda: | ||
| Average total assets | $98,560,200 | 4,873 |
| Average earning assets | $92,642,400 | 4,793 |
| Average equity | $9,259,000 | 5,155 |
| Average total loans | $68,698,600 | 4,401 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2853% | 4,505 |
| Cost of funding earning assets | 1.2717% | 498 |
| Net interest margin | 3.0136% | 6,145 |
| Noninterest income to average assets | 0.0610% | 6,765 |
| Noninterest expense to average assets | 1.7778% | 6,703 |
| Loan and lease loss provision to assets | 0.0624% | 4,930 |
| Net operating income to assets | 0.8218% | 3,335 |
| Return on assets (ROA) | 0.8218% | 3,576 |
| Pretax return on assets | 1.0713% | 3,460 |
| Return on Equity (ROE) | 8.8094% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.8094% | 1,298 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0619% | 5,303 |
| Assets per employee ($millions) | 9.0953% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6697% | 6,781 |
| Loan loss allowance to noncurrent loans | 29.2560% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 2.5488% | 2,071 |
| Noncurrent loans to loans | 2.2890% | 2,525 |
| Net loans and leases to total assets | 68.7910% | 2,154 |
| Net loans and leases to deposits | 76.2103% | 2,949 |
| Net loans and leases to core deposits | 86.1992% | 2,433 |
| Total domestic deposits to total assets | 90.2647% | 695 |
| Equity capital to assets | 9.4964% | 5,211 |
| Core capital (leverage) ratio | 9.4964% | 4,274 |
| Tier 1 risk-based capital ratio | 20.2935% | 1,690 |
| Total risk-based capital ratio | 21.2845% | 1,720 |
| Memoranda: | ||
| Average total assets | $98,322,750 | 4,922 |
| Average earning assets | $92,998,250 | 4,825 |
| Average equity | $9,171,750 | 5,226 |
| Average total loans | $68,696,000 | 4,442 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2926% | 4,606 |
| Cost of funding earning assets | 1.2953% | 540 |
| Net interest margin | 2.9973% | 6,250 |
| Noninterest income to average assets | 0.0859% | 6,731 |
| Noninterest expense to average assets | 1.8026% | 6,746 |
| Loan and lease loss provision to assets | 0.0941% | 4,379 |
| Net operating income to assets | 0.6466% | 4,129 |
| Return on assets (ROA) | 0.6466% | 4,382 |
| Pretax return on assets | 1.0537% | 3,499 |
| Return on Equity (ROE) | 6.9742% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.9742% | 2,114 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0957% | 5,409 |
| Assets per employee ($millions) | 8.9578% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6718% | 6,856 |
| Loan loss allowance to noncurrent loans | 29.3114% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 2.3453% | 2,382 |
| Noncurrent loans to loans | 2.2918% | 2,620 |
| Net loans and leases to total assets | 69.6273% | 1,981 |
| Net loans and leases to deposits | 76.9648% | 2,841 |
| Net loans and leases to core deposits | 87.1822% | 2,292 |
| Total domestic deposits to total assets | 90.4664% | 687 |
| Equity capital to assets | 9.3479% | 5,260 |
| Core capital (leverage) ratio | 9.3479% | 4,376 |
| Tier 1 risk-based capital ratio | 19.8329% | 1,745 |
| Total risk-based capital ratio | 20.8320% | 1,797 |
| Memoranda: | ||
| Average total assets | $97,747,670 | 4,960 |
| Average earning assets | $93,417,330 | 4,835 |
| Average equity | $9,062,000 | 5,248 |
| Average total loans | $68,498,670 | 4,471 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4045% | 4,313 |
| Cost of funding earning assets | 1.3354% | 546 |
| Net interest margin | 3.0692% | 6,128 |
| Noninterest income to average assets | 0.2095% | 6,121 |
| Noninterest expense to average assets | 1.7914% | 6,802 |
| Loan and lease loss provision to assets | 0.1849% | 3,128 |
| Net operating income to assets | 0.7601% | 3,573 |
| Return on assets (ROA) | 0.7601% | 3,810 |
| Pretax return on assets | 1.2080% | 2,885 |
| Return on Equity (ROE) | 8.2337% | 3,180 |
| Retained earnings to average equity (ytd only) | 8.2337% | 1,891 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2581% | 6,095 |
| Assets per employee ($millions) | 9.7607% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6727% | 6,910 |
| Loan loss allowance to noncurrent loans | 15.9490% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 3.5786% | 1,598 |
| Noncurrent loans to loans | 4.2179% | 1,431 |
| Net loans and leases to total assets | 70.0390% | 1,748 |
| Net loans and leases to deposits | 77.3250% | 2,623 |
| Net loans and leases to core deposits | 88.8304% | 1,969 |
| Total domestic deposits to total assets | 90.5775% | 762 |
| Equity capital to assets | 9.3026% | 5,090 |
| Core capital (leverage) ratio | 9.3026% | 4,361 |
| Tier 1 risk-based capital ratio | 20.4629% | 1,601 |
| Total risk-based capital ratio | 21.5063% | 1,618 |
| Memoranda: | ||
| Average total assets | $97,353,500 | 5,007 |
| Average earning assets | $94,357,000 | 4,842 |
| Average equity | $8,987,500 | 5,287 |
| Average total loans | $68,212,000 | 4,515 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5457% | 4,893 |
| Cost of funding earning assets | 1.5044% | 704 |
| Net interest margin | 3.0413% | 6,462 |
| Noninterest income to average assets | -0.0509% | 7,058 |
| Noninterest expense to average assets | 1.7445% | 7,017 |
| Loan and lease loss provision to assets | 0.2275% | 3,923 |
| Net operating income to assets | 0.4627% | 4,577 |
| Return on assets (ROA) | 0.4627% | 4,777 |
| Pretax return on assets | 0.9102% | 3,578 |
| Return on Equity (ROE) | 4.9105% | 4,435 |
| Retained earnings to average equity (ytd only) | 4.9105% | 2,710 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4511% | 5,677 |
| Assets per employee ($millions) | 9.7100% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6184% | 6,997 |
| Loan loss allowance to noncurrent loans | 16.2646% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 4.9454% | 1,084 |
| Noncurrent loans to loans | 3.8019% | 1,649 |
| Net loans and leases to total assets | 69.1864% | 2,183 |
| Net loans and leases to deposits | 76.2768% | 3,138 |
| Net loans and leases to core deposits | 84.2604% | 2,859 |
| Total domestic deposits to total assets | 90.7044% | 627 |
| Equity capital to assets | 9.1607% | 5,341 |
| Core capital (leverage) ratio | 9.1532% | 4,543 |
| Tier 1 risk-based capital ratio | 20.1579% | 1,602 |
| Total risk-based capital ratio | 21.0901% | 1,646 |
| Memoranda: | ||
| Average total assets | $92,289,200 | 5,123 |
| Average earning assets | $89,007,600 | 4,961 |
| Average equity | $8,695,600 | 5,363 |
| Average total loans | $65,303,800 | 4,660 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 4,591 |
| Cost of funding earning assets | 1.5392% | 744 |
| Net interest margin | 3.1314% | 6,341 |
| Noninterest income to average assets | 0.0644% | 6,899 |
| Noninterest expense to average assets | 1.8253% | 6,956 |
| Loan and lease loss provision to assets | 0.0615% | 5,679 |
| Net operating income to assets | 0.6865% | 3,687 |
| Return on assets (ROA) | 0.6865% | 3,859 |
| Pretax return on assets | 1.2003% | 2,633 |
| Return on Equity (ROE) | 7.2327% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.2327% | 1,849 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0801% | 5,855 |
| Assets per employee ($millions) | 10.5833% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3758% | 7,246 |
| Loan loss allowance to noncurrent loans | 10.3263% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 4.7097% | 1,252 |
| Noncurrent loans to loans | 3.6391% | 1,888 |
| Net loans and leases to total assets | 69.5832% | 2,162 |
| Net loans and leases to deposits | 76.9824% | 3,171 |
| Net loans and leases to core deposits | 85.5487% | 2,842 |
| Total domestic deposits to total assets | 90.3885% | 681 |
| Equity capital to assets | 9.3837% | 5,261 |
| Core capital (leverage) ratio | 9.3761% | 4,339 |
| Tier 1 risk-based capital ratio | 20.5292% | 1,555 |
| Total risk-based capital ratio | 21.0878% | 1,697 |
| Memoranda: | ||
| Average total assets | $91,086,500 | 5,198 |
| Average earning assets | $87,924,250 | 5,029 |
| Average equity | $8,645,750 | 5,401 |
| Average total loans | $64,730,250 | 4,723 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 4,462 |
| Cost of funding earning assets | 1.6054% | 681 |
| Net interest margin | 3.1116% | 6,383 |
| Noninterest income to average assets | 0.0847% | 6,902 |
| Noninterest expense to average assets | 1.7815% | 7,102 |
| Loan and lease loss provision to assets | 0.0602% | 5,559 |
| Net operating income to assets | 0.7581% | 3,253 |
| Return on assets (ROA) | 0.7581% | 3,381 |
| Pretax return on assets | 1.2509% | 2,305 |
| Return on Equity (ROE) | 7.9548% | 2,962 |
| Retained earnings to average equity (ytd only) | 7.9548% | 1,477 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6063% | 6,214 |
| Assets per employee ($millions) | 10.2767% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3640% | 7,314 |
| Loan loss allowance to noncurrent loans | 9.0350% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 4.7097% | 1,325 |
| Noncurrent loans to loans | 4.0284% | 1,720 |
| Net loans and leases to total assets | 69.5545% | 2,307 |
| Net loans and leases to deposits | 77.1198% | 3,275 |
| Net loans and leases to core deposits | 84.7989% | 3,098 |
| Total domestic deposits to total assets | 90.1903% | 871 |
| Equity capital to assets | 9.4248% | 4,930 |
| Core capital (leverage) ratio | 9.4179% | 4,076 |
| Tier 1 risk-based capital ratio | 20.8423% | 1,452 |
| Total risk-based capital ratio | 21.3879% | 1,562 |
| Memoranda: | ||
| Average total assets | $89,698,670 | 5,265 |
| Average earning assets | $86,709,000 | 5,110 |
| Average equity | $8,548,330 | 5,442 |
| Average total loans | $64,131,000 | 4,788 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6805% | 4,613 |
| Cost of funding earning assets | 1.5976% | 823 |
| Net interest margin | 3.0828% | 6,391 |
| Noninterest income to average assets | 0.2446% | 5,945 |
| Noninterest expense to average assets | 1.9116% | 6,970 |
| Loan and lease loss provision to assets | 0.0544% | 5,326 |
| Net operating income to assets | 0.7882% | 3,091 |
| Return on assets (ROA) | 0.7882% | 3,160 |
| Pretax return on assets | 1.2593% | 2,164 |
| Return on Equity (ROE) | 8.2231% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.2231% | 1,654 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2697% | 6,085 |
| Assets per employee ($millions) | 9.9073% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3406% | 7,380 |
| Loan loss allowance to noncurrent loans | 11.4464% | 6,990 |
| Noncurrent assets plus other real estate owned to assets | 3.9443% | 1,693 |
| Noncurrent loans to loans | 2.9752% | 2,524 |
| Net loans and leases to total assets | 72.2024% | 1,678 |
| Net loans and leases to deposits | 80.0268% | 2,722 |
| Net loans and leases to core deposits | 88.2426% | 2,569 |
| Total domestic deposits to total assets | 90.2227% | 1,007 |
| Equity capital to assets | 9.5900% | 4,324 |
| Core capital (leverage) ratio | 9.5829% | 3,681 |
| Tier 1 risk-based capital ratio | 20.7711% | 1,438 |
| Total risk-based capital ratio | 21.2890% | 1,547 |
| Memoranda: | ||
| Average total assets | $88,303,000 | 5,346 |
| Average earning assets | $85,376,000 | 5,175 |
| Average equity | $8,464,000 | 5,466 |
| Average total loans | $63,913,500 | 4,842 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0842% | 4,172 |
| Cost of funding earning assets | 2.2508% | 254 |
| Net interest margin | 2.8334% | 6,990 |
| Noninterest income to average assets | -0.1256% | 7,413 |
| Noninterest expense to average assets | 1.6679% | 7,366 |
| Loan and lease loss provision to assets | 0.0154% | 6,952 |
| Net operating income to assets | 0.5487% | 3,895 |
| Return on assets (ROA) | 0.5487% | 4,047 |
| Pretax return on assets | 0.9346% | 3,151 |
| Return on Equity (ROE) | 5.2492% | 3,970 |
| Retained earnings to average equity (ytd only) | 5.2492% | 2,280 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7120% | 5,399 |
| Assets per employee ($millions) | 9.7156% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3290% | 7,471 |
| Loan loss allowance to noncurrent loans | 10.5906% | 7,082 |
| Noncurrent assets plus other real estate owned to assets | 3.4698% | 2,005 |
| Noncurrent loans to loans | 3.1063% | 2,457 |
| Net loans and leases to total assets | 72.0711% | 2,090 |
| Net loans and leases to deposits | 79.7951% | 3,211 |
| Net loans and leases to core deposits | 86.5467% | 3,250 |
| Total domestic deposits to total assets | 90.3202% | 925 |
| Equity capital to assets | 9.5803% | 4,298 |
| Core capital (leverage) ratio | 9.5730% | 3,599 |
| Tier 1 risk-based capital ratio | 20.4856% | 1,402 |
| Total risk-based capital ratio | 20.9775% | 1,517 |
| Memoranda: | ||
| Average total assets | $78,002,600 | 5,645 |
| Average earning assets | $75,528,400 | 5,493 |
| Average equity | $8,153,600 | 5,668 |
| Average total loans | $61,145,800 | 5,018 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2207% | 3,736 |
| Cost of funding earning assets | 2.3399% | 238 |
| Net interest margin | 2.8808% | 7,035 |
| Noninterest income to average assets | -0.0934% | 7,532 |
| Noninterest expense to average assets | 1.7080% | 7,431 |
| Loan and lease loss provision to assets | 0.0159% | 6,885 |
| Net operating income to assets | 0.5746% | 3,985 |
| Return on assets (ROA) | 0.5746% | 4,149 |
| Pretax return on assets | 0.9712% | 3,288 |
| Return on Equity (ROE) | 5.3677% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.3677% | 2,725 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3748% | 5,366 |
| Assets per employee ($millions) | 8.9579% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3291% | 7,579 |
| Loan loss allowance to noncurrent loans | 7.8846% | 7,205 |
| Noncurrent assets plus other real estate owned to assets | 4.6415% | 1,441 |
| Noncurrent loans to loans | 4.1735% | 1,760 |
| Net loans and leases to total assets | 77.0184% | 1,219 |
| Net loans and leases to deposits | 85.9062% | 2,364 |
| Net loans and leases to core deposits | 91.7965% | 2,838 |
| Total domestic deposits to total assets | 89.6541% | 1,048 |
| Equity capital to assets | 10.2641% | 3,810 |
| Core capital (leverage) ratio | 10.2563% | 2,980 |
| Tier 1 risk-based capital ratio | 21.1788% | 1,328 |
| Total risk-based capital ratio | 21.6860% | 1,441 |
| Memoranda: | ||
| Average total assets | $75,643,250 | 5,786 |
| Average earning assets | $73,219,250 | 5,629 |
| Average equity | $8,097,750 | 5,757 |
| Average total loans | $60,625,500 | 5,122 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3123% | 3,407 |
| Cost of funding earning assets | 2.5347% | 156 |
| Net interest margin | 2.7776% | 7,174 |
| Noninterest income to average assets | -0.1000% | 7,627 |
| Noninterest expense to average assets | 1.7544% | 7,446 |
| Loan and lease loss provision to assets | 0.0162% | 6,757 |
| Net operating income to assets | 0.5569% | 4,048 |
| Return on assets (ROA) | 0.5569% | 4,195 |
| Pretax return on assets | 0.8191% | 3,820 |
| Return on Equity (ROE) | 5.1252% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.1252% | 2,834 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7453% | 4,623 |
| Assets per employee ($millions) | 8.2203% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3288% | 7,647 |
| Loan loss allowance to noncurrent loans | 10.0398% | 7,260 |
| Noncurrent assets plus other real estate owned to assets | 3.7265% | 1,873 |
| Noncurrent loans to loans | 3.2750% | 2,450 |
| Net loans and leases to total assets | 82.7677% | 459 |
| Net loans and leases to deposits | 93.0820% | 1,386 |
| Net loans and leases to core deposits | 98.6452% | 2,161 |
| Total domestic deposits to total assets | 88.9191% | 1,484 |
| Equity capital to assets | 11.0228% | 2,838 |
| Core capital (leverage) ratio | 11.0144% | 2,233 |
| Tier 1 risk-based capital ratio | 22.5950% | 1,113 |
| Total risk-based capital ratio | 23.1552% | 1,194 |
| Memoranda: | ||
| Average total assets | $73,984,000 | 5,868 |
| Average earning assets | $71,645,000 | 5,717 |
| Average equity | $8,038,670 | 5,786 |
| Average total loans | $60,068,000 | 5,172 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2970% | 3,566 |
| Cost of funding earning assets | 2.6178% | 157 |
| Net interest margin | 2.6792% | 7,320 |
| Noninterest income to average assets | -0.1568% | 7,781 |
| Noninterest expense to average assets | 1.9464% | 7,257 |
| Loan and lease loss provision to assets | 0.0162% | 6,470 |
| Net operating income to assets | 0.3406% | 5,124 |
| Return on assets (ROA) | 0.3406% | 5,249 |
| Pretax return on assets | 0.4758% | 5,046 |
| Return on Equity (ROE) | 3.1577% | 5,272 |
| Retained earnings to average equity (ytd only) | 3.1577% | 4,252 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8226% | 2,593 |
| Assets per employee ($millions) | 8.2446% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3292% | 7,740 |
| Loan loss allowance to noncurrent loans | 9.1326% | 7,347 |
| Noncurrent assets plus other real estate owned to assets | 3.8921% | 1,775 |
| Noncurrent loans to loans | 3.6046% | 2,211 |
| Net loans and leases to total assets | 81.2011% | 684 |
| Net loans and leases to deposits | 91.1376% | 1,738 |
| Net loans and leases to core deposits | 97.2371% | 2,428 |
| Total domestic deposits to total assets | 89.0972% | 1,470 |
| Equity capital to assets | 10.7977% | 2,955 |
| Core capital (leverage) ratio | 10.7893% | 2,375 |
| Tier 1 risk-based capital ratio | 22.2164% | 1,173 |
| Total risk-based capital ratio | 22.7492% | 1,248 |
| Memoranda: | ||
| Average total assets | $73,984,500 | 5,940 |
| Average earning assets | $71,663,000 | 5,789 |
| Average equity | $7,980,500 | 5,854 |
| Average total loans | $59,384,000 | 5,277 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3686% | 4,842 |
| Cost of funding earning assets | 2.9286% | 281 |
| Net interest margin | 2.4400% | 7,480 |
| Noninterest income to average assets | -0.1393% | 7,827 |
| Noninterest expense to average assets | 1.6611% | 7,732 |
| Loan and lease loss provision to assets | 0.0298% | 7,227 |
| Net operating income to assets | 0.2004% | 4,902 |
| Return on assets (ROA) | 0.2004% | 4,967 |
| Pretax return on assets | 0.5471% | 4,058 |
| Return on Equity (ROE) | 1.7881% | 4,983 |
| Retained earnings to average equity (ytd only) | 1.7881% | 3,844 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2222% | 3,855 |
| Assets per employee ($millions) | 8.1964% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3361% | 7,804 |
| Loan loss allowance to noncurrent loans | 8.5217% | 7,388 |
| Noncurrent assets plus other real estate owned to assets | 3.9041% | 1,701 |
| Noncurrent loans to loans | 3.9440% | 1,879 |
| Net loans and leases to total assets | 78.7889% | 1,229 |
| Net loans and leases to deposits | 88.3781% | 2,494 |
| Net loans and leases to core deposits | 170.3579% | 233 |
| Total domestic deposits to total assets | 89.1498% | 1,413 |
| Equity capital to assets | 10.7757% | 2,894 |
| Core capital (leverage) ratio | 10.7672% | 2,374 |
| Tier 1 risk-based capital ratio | 20.7195% | 1,343 |
| Total risk-based capital ratio | 21.2126% | 1,431 |
| Memoranda: | ||
| Average total assets | $70,375,600 | 5,990 |
| Average earning assets | $68,565,800 | 5,849 |
| Average equity | $7,885,400 | 5,964 |
| Average total loans | $56,149,400 | 5,410 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4284% | 4,800 |
| Cost of funding earning assets | 3.0267% | 305 |
| Net interest margin | 2.4017% | 7,562 |
| Noninterest income to average assets | -0.1246% | 7,943 |
| Noninterest expense to average assets | 1.6185% | 7,817 |
| Loan and lease loss provision to assets | 0.0345% | 7,010 |
| Net operating income to assets | 0.1899% | 5,193 |
| Return on assets (ROA) | 0.1899% | 5,268 |
| Pretax return on assets | 0.5657% | 4,313 |
| Return on Equity (ROE) | 1.6774% | 5,276 |
| Retained earnings to average equity (ytd only) | 1.6774% | 4,372 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9473% | 4,060 |
| Assets per employee ($millions) | 9.2631% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3377% | 7,880 |
| Loan loss allowance to noncurrent loans | 8.1814% | 7,478 |
| Noncurrent assets plus other real estate owned to assets | 3.6691% | 1,785 |
| Noncurrent loans to loans | 4.1273% | 1,763 |
| Net loans and leases to total assets | 76.8680% | 1,810 |
| Net loans and leases to deposits | 86.1940% | 3,274 |
| Net loans and leases to core deposits | 162.7886% | 342 |
| Total domestic deposits to total assets | 89.1802% | 1,112 |
| Equity capital to assets | 10.6700% | 3,321 |
| Core capital (leverage) ratio | 10.6616% | 2,657 |
| Tier 1 risk-based capital ratio | 22.7882% | 1,134 |
| Total risk-based capital ratio | 23.3248% | 1,200 |
| Memoranda: | ||
| Average total assets | $69,527,500 | 6,057 |
| Average earning assets | $67,839,000 | 5,914 |
| Average equity | $7,869,500 | 6,027 |
| Average total loans | $55,607,500 | 5,475 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4352% | 4,967 |
| Cost of funding earning assets | 3.1882% | 273 |
| Net interest margin | 2.2471% | 7,718 |
| Noninterest income to average assets | -0.1353% | 8,050 |
| Noninterest expense to average assets | 1.6588% | 7,871 |
| Loan and lease loss provision to assets | 0.0441% | 6,792 |
| Net operating income to assets | 0.2294% | 5,159 |
| Return on assets (ROA) | 0.2294% | 5,247 |
| Pretax return on assets | 0.3529% | 5,067 |
| Return on Equity (ROE) | 1.9855% | 5,302 |
| Retained earnings to average equity (ytd only) | 1.9855% | 4,237 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6867% | 2,936 |
| Assets per employee ($millions) | 8.8276% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3399% | 7,957 |
| Loan loss allowance to noncurrent loans | 6.4059% | 7,536 |
| Noncurrent assets plus other real estate owned to assets | 4.9589% | 1,076 |
| Noncurrent loans to loans | 5.3054% | 1,122 |
| Net loans and leases to total assets | 78.8930% | 1,545 |
| Net loans and leases to deposits | 88.9249% | 3,006 |
| Net loans and leases to core deposits | 166.6268% | 362 |
| Total domestic deposits to total assets | 88.7187% | 1,420 |
| Equity capital to assets | 11.1667% | 2,779 |
| Core capital (leverage) ratio | 11.1578% | 2,283 |
| Tier 1 risk-based capital ratio | 23.4536% | 1,097 |
| Total risk-based capital ratio | 23.9983% | 1,129 |
| Memoranda: | ||
| Average total assets | $68,001,670 | 6,153 |
| Average earning assets | $66,308,000 | 5,995 |
| Average equity | $7,857,000 | 6,070 |
| Average total loans | $55,091,330 | 5,555 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 3,980 |
| Cost of funding earning assets | 3.3075% | 264 |
| Net interest margin | 2.3546% | 7,666 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 1.6974% | 7,824 |
| Loan and lease loss provision to assets | 0.0720% | 6,060 |
| Net operating income to assets | 0.4138% | 4,805 |
| Return on assets (ROA) | 0.4138% | 4,981 |
| Pretax return on assets | 0.5278% | 4,990 |
| Return on Equity (ROE) | 3.5193% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.5193% | 3,940 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8903% | 3,846 |
| Assets per employee ($millions) | 8.4128% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3410% | 8,005 |
| Loan loss allowance to noncurrent loans | 9.0207% | 7,522 |
| Noncurrent assets plus other real estate owned to assets | 3.5794% | 1,487 |
| Noncurrent loans to loans | 3.7799% | 1,631 |
| Net loans and leases to total assets | 81.2101% | 1,153 |
| Net loans and leases to deposits | 92.0739% | 2,589 |
| Net loans and leases to core deposits | 167.6462% | 383 |
| Total domestic deposits to total assets | 88.2009% | 1,651 |
| Equity capital to assets | 11.7040% | 2,447 |
| Core capital (leverage) ratio | 11.6948% | 2,046 |
| Tier 1 risk-based capital ratio | 24.4054% | 1,028 |
| Total risk-based capital ratio | 24.9636% | 1,089 |
| Memoranda: | ||
| Average total assets | $66,692,000 | 6,224 |
| Average earning assets | $65,064,000 | 6,071 |
| Average equity | $7,842,500 | 6,112 |
| Average total loans | $54,684,500 | 5,602 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9372% | 5,870 |
| Cost of funding earning assets | 3.9316% | 125 |
| Net interest margin | 2.0055% | 8,060 |
| Noninterest income to average assets | 0.0015% | 8,102 |
| Noninterest expense to average assets | 1.5591% | 8,000 |
| Loan and lease loss provision to assets | 0.0183% | 7,160 |
| Net operating income to assets | 0.2996% | 5,540 |
| Return on assets (ROA) | 0.2996% | 5,356 |
| Pretax return on assets | 0.3833% | 5,307 |
| Return on Equity (ROE) | 2.5640% | 5,394 |
| Retained earnings to average equity (ytd only) | 2.5640% | 3,597 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2087% | 2,721 |
| Assets per employee ($millions) | 8.2603% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3209% | 8,070 |
| Loan loss allowance to noncurrent loans | 8.3017% | 7,523 |
| Noncurrent assets plus other real estate owned to assets | 3.6984% | 1,173 |
| Noncurrent loans to loans | 3.8660% | 1,282 |
| Net loans and leases to total assets | 82.2478% | 1,181 |
| Net loans and leases to deposits | 93.3850% | 2,879 |
| Net loans and leases to core deposits | 169.8256% | 404 |
| Total domestic deposits to total assets | 88.0739% | 1,441 |
| Equity capital to assets | 11.8156% | 2,416 |
| Core capital (leverage) ratio | 11.8049% | 2,077 |
| Tier 1 risk-based capital ratio | 24.3233% | 1,047 |
| Total risk-based capital ratio | 24.8472% | 1,103 |
| Memoranda: | ||
| Average total assets | $65,744,800 | 6,170 |
| Average earning assets | $64,222,600 | 6,012 |
| Average equity | $7,683,400 | 6,218 |
| Average total loans | $54,084,600 | 5,519 |