Home > Armstrong County Building and Loan Association > Performance and Condition Ratios
Armstrong County Building 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 | 3.4304% | 4,419 |
| Cost of funding earning assets | 2.7297% | 238 |
| Net interest margin | 0.7007% | 4,553 |
| Noninterest income to average assets | 0.0600% | 4,411 |
| Noninterest expense to average assets | 1.1105% | 4,485 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -0.3713% | 4,497 |
| Return on assets (ROA) | -0.3648% | 4,481 |
| Pretax return on assets | -0.3648% | 4,467 |
| Return on Equity (ROE) | -2.7700% | 4,438 |
| Retained earnings to average equity (ytd only) | -2.7683% | 4,315 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 150.8772% | 41 |
| Assets per employee ($millions) | 15.3595% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 4,020 |
| Loan loss allowance to noncurrent loans | 66.5079% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6836% | 769 |
| Noncurrent loans to loans | 1.1622% | 619 |
| Net loans and leases to total assets | 58.3700% | 3,004 |
| Net loans and leases to deposits | 68.3621% | 3,000 |
| Net loans and leases to core deposits | 80.9225% | 2,656 |
| Total domestic deposits to total assets | 85.3800% | 2,192 |
| Equity capital to assets | 13.0972% | 845 |
| Core capital (leverage) ratio | 13.0652% | 1,042 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.7157% | 226 |
| Memoranda: | ||
| Average total assets | $92,928,000 | 3,888 |
| Average earning assets | $90,193,600 | 3,835 |
| Average equity | $12,245,800 | 3,502 |
| Average total loans | $52,013,600 | 3,812 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 4,430 |
| Cost of funding earning assets | 2.6599% | 207 |
| Net interest margin | 0.6978% | 4,570 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 1.1082% | 4,502 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | -0.3637% | 4,522 |
| Return on assets (ROA) | -0.4553% | 4,518 |
| Pretax return on assets | -0.4553% | 4,511 |
| Return on Equity (ROE) | -3.4500% | 4,479 |
| Retained earnings to average equity (ytd only) | -3.4499% | 4,377 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 151.1719% | 43 |
| Assets per employee ($millions) | 15.4340% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 4,019 |
| Loan loss allowance to noncurrent loans | 62.1622% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 0.7192% | 782 |
| Noncurrent loans to loans | 1.2550% | 613 |
| Net loans and leases to total assets | 56.8600% | 3,131 |
| Net loans and leases to deposits | 66.5416% | 3,086 |
| Net loans and leases to core deposits | 79.0918% | 2,664 |
| Total domestic deposits to total assets | 85.4500% | 2,369 |
| Equity capital to assets | 13.0567% | 803 |
| Core capital (leverage) ratio | 13.0210% | 1,069 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.1794% | 217 |
| Memoranda: | ||
| Average total assets | $93,120,750 | 3,901 |
| Average earning assets | $90,378,250 | 3,846 |
| Average equity | $12,289,750 | 3,502 |
| Average total loans | $51,464,750 | 3,836 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2982% | 4,462 |
| Cost of funding earning assets | 2.6200% | 151 |
| Net interest margin | 0.6782% | 4,607 |
| Noninterest income to average assets | 0.0600% | 4,461 |
| Noninterest expense to average assets | 1.1040% | 4,534 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | -0.3602% | 4,552 |
| Return on assets (ROA) | -0.4116% | 4,549 |
| Pretax return on assets | -0.4116% | 4,541 |
| Return on Equity (ROE) | -3.1100% | 4,513 |
| Retained earnings to average equity (ytd only) | -3.1078% | 4,352 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 154.6547% | 38 |
| Assets per employee ($millions) | 15.5180% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 4,019 |
| Loan loss allowance to noncurrent loans | 86.2579% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 1,070 |
| Noncurrent loans to loans | 0.9293% | 828 |
| Net loans and leases to total assets | 54.2300% | 3,256 |
| Net loans and leases to deposits | 63.4922% | 3,227 |
| Net loans and leases to core deposits | 75.5654% | 2,788 |
| Total domestic deposits to total assets | 85.4100% | 2,424 |
| Equity capital to assets | 13.1213% | 786 |
| Core capital (leverage) ratio | 13.0627% | 1,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0809% | 207 |
| Memoranda: | ||
| Average total assets | $93,293,000 | 3,912 |
| Average earning assets | $90,534,667 | 3,858 |
| Average equity | $12,356,000 | 3,502 |
| Average total loans | $50,930,667 | 3,849 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2354% | 4,473 |
| Cost of funding earning assets | 2.5203% | 93 |
| Net interest margin | 0.7151% | 4,661 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 1.0965% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -0.3469% | 4,572 |
| Return on assets (ROA) | -0.2099% | 4,542 |
| Pretax return on assets | -0.2099% | 4,529 |
| Return on Equity (ROE) | -1.5800% | 4,499 |
| Retained earnings to average equity (ytd only) | -1.5774% | 4,181 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 146.2857% | 43 |
| Assets per employee ($millions) | 15.6075% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 4,033 |
| Loan loss allowance to noncurrent loans | 121.2644% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 1,385 |
| Noncurrent loans to loans | 0.6856% | 1,107 |
| Net loans and leases to total assets | 53.7500% | 3,218 |
| Net loans and leases to deposits | 63.7836% | 3,109 |
| Net loans and leases to core deposits | 75.2864% | 2,581 |
| Total domestic deposits to total assets | 84.2800% | 3,033 |
| Equity capital to assets | 13.1988% | 716 |
| Core capital (leverage) ratio | 13.2299% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9613% | 202 |
| Memoranda: | ||
| Average total assets | $93,385,500 | 3,965 |
| Average earning assets | $90,623,000 | 3,909 |
| Average equity | $12,425,500 | 3,533 |
| Average total loans | $50,947,500 | 3,895 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8697% | 4,266 |
| Cost of funding earning assets | 1.8408% | 9 |
| Net interest margin | 1.0289% | 4,677 |
| Noninterest income to average assets | 0.0400% | 4,598 |
| Noninterest expense to average assets | 1.0699% | 4,631 |
| Loan and lease loss provision to assets | -0.0400% | 4,387 |
| Net operating income to assets | 0.0075% | 4,557 |
| Return on assets (ROA) | -0.2833% | 4,606 |
| Pretax return on assets | -0.2812% | 4,602 |
| Return on Equity (ROE) | -2.0600% | 4,585 |
| Retained earnings to average equity (ytd only) | -2.0599% | 4,482 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 103.3161% | 130 |
| Assets per employee ($millions) | 15.5570% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6649% | 4,263 |
| Loan loss allowance to noncurrent loans | 101.7964% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3578% | 1,430 |
| Noncurrent loans to loans | 0.6532% | 1,139 |
| Net loans and leases to total assets | 54.4200% | 3,160 |
| Net loans and leases to deposits | 64.9444% | 2,959 |
| Net loans and leases to core deposits | 74.1890% | 2,552 |
| Total domestic deposits to total assets | 83.7900% | 3,253 |
| Equity capital to assets | 13.6134% | 615 |
| Core capital (leverage) ratio | 13.7057% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.4475% | 189 |
| Memoranda: | ||
| Average total assets | $93,187,200 | 3,982 |
| Average earning assets | $90,289,000 | 3,929 |
| Average equity | $12,816,400 | 3,588 |
| Average total loans | $50,121,200 | 3,884 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7992% | 4,197 |
| Cost of funding earning assets | 1.7534% | 5 |
| Net interest margin | 1.0458% | 4,690 |
| Noninterest income to average assets | 0.0300% | 4,652 |
| Noninterest expense to average assets | 1.0406% | 4,664 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 0.0630% | 4,564 |
| Return on assets (ROA) | -0.3278% | 4,644 |
| Pretax return on assets | -0.3249% | 4,640 |
| Return on Equity (ROE) | -2.3800% | 4,625 |
| Retained earnings to average equity (ytd only) | -2.3772% | 4,509 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 99.3169% | 165 |
| Assets per employee ($millions) | 15.3473% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 4,281 |
| Loan loss allowance to noncurrent loans | 88.5417% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 1,305 |
| Noncurrent loans to loans | 0.7715% | 1,052 |
| Net loans and leases to total assets | 53.6800% | 3,132 |
| Net loans and leases to deposits | 63.4134% | 2,908 |
| Net loans and leases to core deposits | 72.3166% | 2,463 |
| Total domestic deposits to total assets | 84.6500% | 3,358 |
| Equity capital to assets | 13.8363% | 580 |
| Core capital (leverage) ratio | 13.7081% | 732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.4134% | 190 |
| Memoranda: | ||
| Average total assets | $93,148,500 | 4,010 |
| Average earning assets | $90,262,750 | 3,958 |
| Average equity | $12,843,750 | 3,627 |
| Average total loans | $49,867,750 | 3,912 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7230% | 4,107 |
| Cost of funding earning assets | 1.7168% | 3 |
| Net interest margin | 1.0062% | 4,731 |
| Noninterest income to average assets | 0.0535% | 4,621 |
| Noninterest expense to average assets | 1.0310% | 4,684 |
| Loan and lease loss provision to assets | -0.1005% | 4,595 |
| Net operating income to assets | 0.0941% | 4,518 |
| Return on assets (ROA) | -0.2610% | 4,624 |
| Pretax return on assets | -0.2567% | 4,611 |
| Return on Equity (ROE) | -1.8947% | 4,612 |
| Retained earnings to average equity (ytd only) | -1.8947% | 4,375 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2079% | 186 |
| Assets per employee ($millions) | 15.6342% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6774% | 4,371 |
| Loan loss allowance to noncurrent loans | 74.6102% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4787% | 1,188 |
| Noncurrent loans to loans | 0.9079% | 923 |
| Net loans and leases to total assets | 52.3650% | 3,119 |
| Net loans and leases to deposits | 60.9585% | 2,975 |
| Net loans and leases to core deposits | 69.1057% | 2,560 |
| Total domestic deposits to total assets | 85.9027% | 3,273 |
| Equity capital to assets | 13.6965% | 563 |
| Core capital (leverage) ratio | 13.6994% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2987% | 160 |
| Memoranda: | ||
| Average total assets | $93,503,333 | 4,050 |
| Average earning assets | $90,633,667 | 4,006 |
| Average equity | $12,878,000 | 3,692 |
| Average total loans | $49,899,667 | 3,960 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7050% | 3,943 |
| Cost of funding earning assets | 1.7017% | 2 |
| Net interest margin | 1.0033% | 4,753 |
| Noninterest income to average assets | 0.0515% | 4,655 |
| Noninterest expense to average assets | 1.0424% | 4,708 |
| Loan and lease loss provision to assets | 0.1544% | 507 |
| Net operating income to assets | -0.1802% | 4,633 |
| Return on assets (ROA) | -0.6649% | 4,713 |
| Pretax return on assets | -0.6563% | 4,703 |
| Return on Equity (ROE) | -4.8491% | 4,704 |
| Retained earnings to average equity (ytd only) | -4.8491% | 4,419 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6736% | 216 |
| Assets per employee ($millions) | 15.6275% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8413% | 4,168 |
| Loan loss allowance to noncurrent loans | 121.8659% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 1,649 |
| Noncurrent loans to loans | 0.6903% | 1,372 |
| Net loans and leases to total assets | 52.5452% | 2,934 |
| Net loans and leases to deposits | 61.0664% | 2,801 |
| Net loans and leases to core deposits | 68.8923% | 2,377 |
| Total domestic deposits to total assets | 86.0460% | 3,246 |
| Equity capital to assets | 13.5541% | 594 |
| Core capital (leverage) ratio | 13.5647% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1965% | 164 |
| Memoranda: | ||
| Average total assets | $93,246,000 | 4,069 |
| Average earning assets | $90,497,500 | 4,019 |
| Average equity | $12,786,000 | 3,783 |
| Average total loans | $50,121,500 | 3,973 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9136% | 4,027 |
| Cost of funding earning assets | 1.8435% | 2 |
| Net interest margin | 1.0701% | 4,774 |
| Noninterest income to average assets | -0.0290% | 4,828 |
| Noninterest expense to average assets | 1.0318% | 4,754 |
| Loan and lease loss provision to assets | 0.0354% | 2,346 |
| Net operating income to assets | -0.0997% | 4,705 |
| Return on assets (ROA) | -0.1834% | 4,726 |
| Pretax return on assets | -0.1394% | 4,718 |
| Return on Equity (ROE) | -1.3167% | 4,721 |
| Retained earnings to average equity (ytd only) | -1.3167% | 4,593 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0148% | 131 |
| Assets per employee ($millions) | 15.4545% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7536% | 4,340 |
| Loan loss allowance to noncurrent loans | 95.9698% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 0.4281% | 1,530 |
| Noncurrent loans to loans | 0.7853% | 1,298 |
| Net loans and leases to total assets | 54.1105% | 2,837 |
| Net loans and leases to deposits | 63.1553% | 2,768 |
| Net loans and leases to core deposits | 71.1652% | 2,339 |
| Total domestic deposits to total assets | 85.6784% | 3,024 |
| Equity capital to assets | 13.8719% | 688 |
| Core capital (leverage) ratio | 13.7397% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.2788% | 165 |
| Memoranda: | ||
| Average total assets | $93,238,200 | 4,068 |
| Average earning assets | $90,642,400 | 4,011 |
| Average equity | $12,986,600 | 3,833 |
| Average total loans | $51,385,600 | 3,973 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9531% | 4,077 |
| Cost of funding earning assets | 1.8620% | 3 |
| Net interest margin | 1.0911% | 4,858 |
| Noninterest income to average assets | 0.0414% | 4,817 |
| Noninterest expense to average assets | 1.0082% | 4,837 |
| Loan and lease loss provision to assets | 0.0857% | 1,389 |
| Net operating income to assets | -0.0300% | 4,754 |
| Return on assets (ROA) | -0.1000% | 4,779 |
| Pretax return on assets | -0.0614% | 4,771 |
| Return on Equity (ROE) | -0.7170% | 4,780 |
| Retained earnings to average equity (ytd only) | -0.7170% | 4,638 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4508% | 288 |
| Assets per employee ($millions) | 15.7518% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 4,339 |
| Loan loss allowance to noncurrent loans | 70.7106% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.7692% | 936 |
| Noncurrent loans to loans | 1.1384% | 989 |
| Net loans and leases to total assets | 53.1991% | 3,057 |
| Net loans and leases to deposits | 61.9520% | 3,045 |
| Net loans and leases to core deposits | 70.2319% | 2,576 |
| Total domestic deposits to total assets | 85.8715% | 2,796 |
| Equity capital to assets | 13.7169% | 804 |
| Core capital (leverage) ratio | 13.7082% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.1175% | 179 |
| Memoranda: | ||
| Average total assets | $93,366,000 | 4,112 |
| Average earning assets | $90,796,000 | 4,054 |
| Average equity | $13,017,500 | 3,882 |
| Average total loans | $51,593,000 | 4,018 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0000% | 4,046 |
| Cost of funding earning assets | 1.8734% | 3 |
| Net interest margin | 1.1267% | 4,885 |
| Noninterest income to average assets | 0.0430% | 4,851 |
| Noninterest expense to average assets | 1.0002% | 4,872 |
| Loan and lease loss provision to assets | 0.0065% | 2,776 |
| Net operating income to assets | 0.0718% | 4,735 |
| Return on assets (ROA) | 0.0022% | 4,782 |
| Pretax return on assets | 0.0452% | 4,763 |
| Return on Equity (ROE) | 0.0153% | 4,782 |
| Retained earnings to average equity (ytd only) | 0.0153% | 4,509 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7358% | 409 |
| Assets per employee ($millions) | 15.7718% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6763% | 4,569 |
| Loan loss allowance to noncurrent loans | 55.9809% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.8211% | 970 |
| Noncurrent loans to loans | 1.2082% | 995 |
| Net loans and leases to total assets | 54.4705% | 3,083 |
| Net loans and leases to deposits | 63.4639% | 3,055 |
| Net loans and leases to core deposits | 71.5976% | 2,638 |
| Total domestic deposits to total assets | 85.8292% | 2,793 |
| Equity capital to assets | 13.7756% | 760 |
| Core capital (leverage) ratio | 13.9095% | 643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8384% | 178 |
| Memoranda: | ||
| Average total assets | $92,984,333 | 4,140 |
| Average earning assets | $90,532,000 | 4,078 |
| Average equity | $13,035,333 | 3,891 |
| Average total loans | $51,895,000 | 4,042 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1165% | 3,848 |
| Cost of funding earning assets | 1.8948% | 5 |
| Net interest margin | 1.2216% | 4,910 |
| Noninterest income to average assets | 0.0434% | 4,865 |
| Noninterest expense to average assets | 1.0200% | 4,905 |
| Loan and lease loss provision to assets | 0.0130% | 2,613 |
| Net operating income to assets | 0.1234% | 4,695 |
| Return on assets (ROA) | 0.0000% | 4,782 |
| Pretax return on assets | 0.0434% | 4,764 |
| Return on Equity (ROE) | 0.0000% | 4,782 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,366 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7465% | 658 |
| Assets per employee ($millions) | 15.4722% | 181 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6767% | 4,605 |
| Loan loss allowance to noncurrent loans | 57.0732% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 1,077 |
| Noncurrent loans to loans | 1.1857% | 1,117 |
| Net loans and leases to total assets | 55.4964% | 3,094 |
| Net loans and leases to deposits | 64.8576% | 3,042 |
| Net loans and leases to core deposits | 73.0383% | 2,608 |
| Total domestic deposits to total assets | 85.5666% | 2,903 |
| Equity capital to assets | 14.0413% | 662 |
| Core capital (leverage) ratio | 14.1474% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.9788% | 219 |
| Memoranda: | ||
| Average total assets | $92,161,000 | 4,159 |
| Average earning assets | $89,717,000 | 4,101 |
| Average equity | $13,035,000 | 3,902 |
| Average total loans | $51,894,000 | 4,054 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4778% | 4,068 |
| Cost of funding earning assets | 2.1601% | 3 |
| Net interest margin | 1.3177% | 4,934 |
| Noninterest income to average assets | 0.0314% | 4,895 |
| Noninterest expense to average assets | 1.0838% | 4,916 |
| Loan and lease loss provision to assets | 0.0862% | 3,289 |
| Net operating income to assets | 0.0946% | 4,674 |
| Return on assets (ROA) | 0.1769% | 4,657 |
| Pretax return on assets | 0.2474% | 4,607 |
| Return on Equity (ROE) | 1.2193% | 4,654 |
| Retained earnings to average equity (ytd only) | 1.2193% | 4,137 |
| Net charge-offs to loans | -0.0076% | 4,209 |
| Credit loss provision to net charge-offs | -1,925.0000% | 4,181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5234% | 715 |
| Assets per employee ($millions) | 15.2442% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 4,631 |
| Loan loss allowance to noncurrent loans | 109.7792% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.5106% | 2,026 |
| Noncurrent loans to loans | 0.6106% | 2,169 |
| Net loans and leases to total assets | 56.3822% | 3,261 |
| Net loans and leases to deposits | 66.0730% | 3,267 |
| Net loans and leases to core deposits | 73.9334% | 2,922 |
| Total domestic deposits to total assets | 85.3332% | 2,643 |
| Equity capital to assets | 14.2251% | 745 |
| Core capital (leverage) ratio | 14.3307% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1551% | 230 |
| Memoranda: | ||
| Average total assets | $89,311,400 | 4,123 |
| Average earning assets | $86,894,000 | 4,066 |
| Average equity | $12,957,800 | 3,866 |
| Average total loans | $52,308,800 | 4,063 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 4,104 |
| Cost of funding earning assets | 2.1954% | 5 |
| Net interest margin | 1.3663% | 4,976 |
| Noninterest income to average assets | 0.0285% | 4,934 |
| Noninterest expense to average assets | 1.0844% | 4,956 |
| Loan and lease loss provision to assets | 0.1160% | 2,873 |
| Net operating income to assets | 0.0958% | 4,706 |
| Return on assets (ROA) | 0.2133% | 4,612 |
| Pretax return on assets | 0.3064% | 4,538 |
| Return on Equity (ROE) | 1.4626% | 4,627 |
| Retained earnings to average equity (ytd only) | 1.4626% | 4,094 |
| Net charge-offs to loans | -0.0102% | 4,226 |
| Credit loss provision to net charge-offs | -1,925.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8673% | 877 |
| Assets per employee ($millions) | 15.0197% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 4,622 |
| Loan loss allowance to noncurrent loans | 47.6060% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 0.9776% | 1,143 |
| Noncurrent loans to loans | 1.4056% | 1,031 |
| Net loans and leases to total assets | 57.3215% | 3,491 |
| Net loans and leases to deposits | 67.3152% | 3,528 |
| Net loans and leases to core deposits | 75.7979% | 3,186 |
| Total domestic deposits to total assets | 85.1539% | 2,375 |
| Equity capital to assets | 14.4200% | 754 |
| Core capital (leverage) ratio | 14.4519% | 634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3270% | 185 |
| Memoranda: | ||
| Average total assets | $88,773,000 | 4,139 |
| Average earning assets | $86,359,750 | 4,079 |
| Average equity | $12,944,500 | 3,876 |
| Average total loans | $52,406,500 | 4,080 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6438% | 4,185 |
| Cost of funding earning assets | 2.2259% | 6 |
| Net interest margin | 1.4179% | 5,017 |
| Noninterest income to average assets | 0.0204% | 4,973 |
| Noninterest expense to average assets | 1.1005% | 4,991 |
| Loan and lease loss provision to assets | 0.1449% | 2,558 |
| Net operating income to assets | 0.0983% | 4,692 |
| Return on assets (ROA) | 0.2808% | 4,492 |
| Pretax return on assets | 0.3849% | 4,434 |
| Return on Equity (ROE) | 1.9184% | 4,548 |
| Retained earnings to average equity (ytd only) | 1.9184% | 3,792 |
| Net charge-offs to loans | -0.0152% | 4,325 |
| Credit loss provision to net charge-offs | -1,600.0000% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6408% | 992 |
| Assets per employee ($millions) | 14.9535% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 4,679 |
| Loan loss allowance to noncurrent loans | 56.5878% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 1,498 |
| Noncurrent loans to loans | 1.1377% | 1,382 |
| Net loans and leases to total assets | 57.6242% | 3,545 |
| Net loans and leases to deposits | 67.6945% | 3,595 |
| Net loans and leases to core deposits | 76.2495% | 3,262 |
| Total domestic deposits to total assets | 85.1239% | 2,341 |
| Equity capital to assets | 14.4637% | 742 |
| Core capital (leverage) ratio | 14.5647% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6326% | 178 |
| Memoranda: | ||
| Average total assets | $88,324,667 | 4,151 |
| Average earning assets | $85,898,667 | 4,081 |
| Average equity | $12,927,667 | 3,877 |
| Average total loans | $52,540,333 | 4,092 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7244% | 4,339 |
| Cost of funding earning assets | 2.2779% | 10 |
| Net interest margin | 1.4466% | 5,080 |
| Noninterest income to average assets | 0.0411% | 4,987 |
| Noninterest expense to average assets | 1.1138% | 5,041 |
| Loan and lease loss provision to assets | 0.2465% | 1,263 |
| Net operating income to assets | 0.0663% | 4,695 |
| Return on assets (ROA) | 0.4017% | 4,166 |
| Pretax return on assets | 0.5113% | 4,105 |
| Return on Equity (ROE) | 2.7280% | 4,281 |
| Retained earnings to average equity (ytd only) | 2.7280% | 3,185 |
| Net charge-offs to loans | -0.0303% | 4,475 |
| Credit loss provision to net charge-offs | -1,350.0000% | 3,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9716% | 1,458 |
| Assets per employee ($millions) | 12.6396% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6213% | 4,729 |
| Loan loss allowance to noncurrent loans | 264.2276% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.3911% | 2,882 |
| Noncurrent loans to loans | 0.2351% | 3,644 |
| Net loans and leases to total assets | 58.7576% | 3,614 |
| Net loans and leases to deposits | 69.1556% | 3,652 |
| Net loans and leases to core deposits | 77.8004% | 3,362 |
| Total domestic deposits to total assets | 84.9645% | 2,425 |
| Equity capital to assets | 14.6332% | 853 |
| Core capital (leverage) ratio | 14.7702% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.9909% | 186 |
| Memoranda: | ||
| Average total assets | $87,626,500 | 4,162 |
| Average earning assets | $85,167,500 | 4,090 |
| Average equity | $12,903,000 | 3,887 |
| Average total loans | $52,792,500 | 4,097 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 4,652 |
| Cost of funding earning assets | 2.2279% | 23 |
| Net interest margin | 1.4985% | 5,136 |
| Noninterest income to average assets | -0.0210% | 5,147 |
| Noninterest expense to average assets | 1.1877% | 5,098 |
| Loan and lease loss provision to assets | 0.0221% | 3,584 |
| Net operating income to assets | 0.1730% | 4,866 |
| Return on assets (ROA) | 0.2236% | 4,847 |
| Pretax return on assets | 0.2899% | 4,825 |
| Return on Equity (ROE) | 1.4965% | 4,863 |
| Retained earnings to average equity (ytd only) | 1.4965% | 4,208 |
| Net charge-offs to loans | 0.0112% | 3,290 |
| Credit loss provision to net charge-offs | 316.6667% | 875 |
| Earnings coverage of net charge-offs (x) | 35.5000% | 1,412 |
| Efficiency ratio | 82.7251% | 752 |
| Assets per employee ($millions) | 12.4049% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4580% | 4,938 |
| Loan loss allowance to noncurrent loans | 103.8298% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 2,132 |
| Noncurrent loans to loans | 0.4411% | 2,863 |
| Net loans and leases to total assets | 61.0694% | 3,494 |
| Net loans and leases to deposits | 72.1208% | 3,516 |
| Net loans and leases to core deposits | 81.2394% | 3,196 |
| Total domestic deposits to total assets | 84.6765% | 2,615 |
| Equity capital to assets | 14.8744% | 825 |
| Core capital (leverage) ratio | 14.8713% | 714 |
| Tier 1 risk-based capital ratio | 35.5030% | 320 |
| Total risk-based capital ratio | 36.1737% | 325 |
| Memoranda: | ||
| Average total assets | $85,878,200 | 4,203 |
| Average earning assets | $83,485,800 | 4,134 |
| Average equity | $12,829,600 | 3,901 |
| Average total loans | $53,440,800 | 4,112 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7430% | 4,738 |
| Cost of funding earning assets | 2.1965% | 27 |
| Net interest margin | 1.5465% | 5,219 |
| Noninterest income to average assets | -0.0420% | 5,227 |
| Noninterest expense to average assets | 1.1770% | 5,173 |
| Loan and lease loss provision to assets | 0.0218% | 3,478 |
| Net operating income to assets | 0.1984% | 4,950 |
| Return on assets (ROA) | 0.2008% | 4,966 |
| Pretax return on assets | 0.2662% | 4,930 |
| Return on Equity (ROE) | 1.3429% | 4,983 |
| Retained earnings to average equity (ytd only) | 1.3429% | 4,477 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5112% | 875 |
| Assets per employee ($millions) | 12.4100% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4633% | 5,014 |
| Loan loss allowance to noncurrent loans | 80.5921% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 0.5226% | 2,438 |
| Noncurrent loans to loans | 0.5748% | 2,577 |
| Net loans and leases to total assets | 60.5963% | 3,626 |
| Net loans and leases to deposits | 71.5111% | 3,638 |
| Net loans and leases to core deposits | 81.0220% | 3,309 |
| Total domestic deposits to total assets | 84.7370% | 2,529 |
| Equity capital to assets | 14.8417% | 892 |
| Core capital (leverage) ratio | 14.8593% | 771 |
| Tier 1 risk-based capital ratio | 34.3844% | 364 |
| Total risk-based capital ratio | 35.0424% | 374 |
| Memoranda: | ||
| Average total assets | $85,639,250 | 4,263 |
| Average earning assets | $83,281,750 | 4,189 |
| Average equity | $12,808,000 | 3,941 |
| Average total loans | $53,482,750 | 4,163 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7103% | 4,822 |
| Cost of funding earning assets | 2.1509% | 27 |
| Net interest margin | 1.5594% | 5,272 |
| Noninterest income to average assets | -0.0868% | 5,280 |
| Noninterest expense to average assets | 1.1780% | 5,228 |
| Loan and lease loss provision to assets | 0.0047% | 3,633 |
| Net operating income to assets | 0.1694% | 5,020 |
| Return on assets (ROA) | 0.1713% | 5,028 |
| Pretax return on assets | 0.2487% | 4,980 |
| Return on Equity (ROE) | 1.1424% | 5,032 |
| Retained earnings to average equity (ytd only) | 1.1424% | 4,396 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4302% | 772 |
| Assets per employee ($millions) | 12.2056% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4395% | 5,074 |
| Loan loss allowance to noncurrent loans | 89.2720% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4810% | 2,615 |
| Noncurrent loans to loans | 0.4923% | 2,806 |
| Net loans and leases to total assets | 61.7833% | 3,569 |
| Net loans and leases to deposits | 73.0515% | 3,592 |
| Net loans and leases to core deposits | 81.2933% | 3,312 |
| Total domestic deposits to total assets | 84.5750% | 2,655 |
| Equity capital to assets | 15.0189% | 804 |
| Core capital (leverage) ratio | 14.9831% | 710 |
| Tier 1 risk-based capital ratio | 34.7539% | 344 |
| Total risk-based capital ratio | 35.3892% | 356 |
| Memoranda: | ||
| Average total assets | $85,229,000 | 4,294 |
| Average earning assets | $82,850,670 | 4,223 |
| Average equity | $12,779,670 | 3,957 |
| Average total loans | $53,682,000 | 4,183 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,833 |
| Cost of funding earning assets | 2.0888% | 35 |
| Net interest margin | 1.6198% | 5,341 |
| Noninterest income to average assets | 0.0470% | 5,222 |
| Noninterest expense to average assets | 1.1934% | 5,282 |
| Loan and lease loss provision to assets | 0.0094% | 3,314 |
| Net operating income to assets | 0.2960% | 4,903 |
| Return on assets (ROA) | 0.2960% | 4,907 |
| Pretax return on assets | 0.4182% | 4,814 |
| Return on Equity (ROE) | 1.9747% | 4,969 |
| Retained earnings to average equity (ytd only) | 1.9747% | 4,074 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6232% | 1,795 |
| Assets per employee ($millions) | 12.0973% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4339% | 5,146 |
| Loan loss allowance to noncurrent loans | 60.8355% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 2,010 |
| Noncurrent loans to loans | 0.7132% | 2,243 |
| Net loans and leases to total assets | 63.1417% | 3,386 |
| Net loans and leases to deposits | 74.7306% | 3,379 |
| Net loans and leases to core deposits | 83.1685% | 3,094 |
| Total domestic deposits to total assets | 84.4924% | 2,851 |
| Equity capital to assets | 15.1167% | 734 |
| Core capital (leverage) ratio | 14.9681% | 702 |
| Tier 1 risk-based capital ratio | 34.9093% | 327 |
| Total risk-based capital ratio | 35.5476% | 337 |
| Memoranda: | ||
| Average total assets | $85,132,000 | 4,342 |
| Average earning assets | $82,726,000 | 4,269 |
| Average equity | $12,761,500 | 3,978 |
| Average total loans | $54,013,000 | 4,210 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5130% | 4,901 |
| Cost of funding earning assets | 1.9712% | 13 |
| Net interest margin | 1.5419% | 5,371 |
| Noninterest income to average assets | 0.0545% | 5,261 |
| Noninterest expense to average assets | 1.1827% | 5,324 |
| Loan and lease loss provision to assets | 0.0383% | 3,437 |
| Net operating income to assets | 0.2665% | 5,044 |
| Return on assets (ROA) | 0.2739% | 5,035 |
| Pretax return on assets | 0.3435% | 5,006 |
| Return on Equity (ROE) | 1.8737% | 5,063 |
| Retained earnings to average equity (ytd only) | 1.8737% | 4,399 |
| Net charge-offs to loans | 0.1223% | 1,511 |
| Credit loss provision to net charge-offs | 49.2537% | 3,202 |
| Earnings coverage of net charge-offs (x) | 4.7910% | 3,256 |
| Efficiency ratio | 76.0448% | 1,355 |
| Assets per employee ($millions) | 12.2261% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4252% | 5,191 |
| Loan loss allowance to noncurrent loans | 76.7442% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 0.5947% | 2,250 |
| Noncurrent loans to loans | 0.5541% | 2,611 |
| Net loans and leases to total assets | 63.2053% | 3,441 |
| Net loans and leases to deposits | 74.5658% | 3,454 |
| Net loans and leases to core deposits | 82.3835% | 3,232 |
| Total domestic deposits to total assets | 84.7645% | 2,743 |
| Equity capital to assets | 14.8651% | 737 |
| Core capital (leverage) ratio | 14.7209% | 753 |
| Tier 1 risk-based capital ratio | 34.8801% | 320 |
| Total risk-based capital ratio | 35.5155% | 328 |
| Memoranda: | ||
| Average total assets | $86,159,800 | 4,326 |
| Average earning assets | $83,859,400 | 4,251 |
| Average equity | $12,595,400 | 3,943 |
| Average total loans | $54,799,800 | 4,214 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4750% | 4,953 |
| Cost of funding earning assets | 1.9438% | 10 |
| Net interest margin | 1.5312% | 5,448 |
| Noninterest income to average assets | 0.0556% | 5,330 |
| Noninterest expense to average assets | 1.1865% | 5,395 |
| Loan and lease loss provision to assets | 0.0510% | 2,966 |
| Net operating income to assets | 0.2545% | 5,148 |
| Return on assets (ROA) | 0.2595% | 5,137 |
| Pretax return on assets | 0.3152% | 5,122 |
| Return on Equity (ROE) | 1.7828% | 5,155 |
| Retained earnings to average equity (ytd only) | 1.7828% | 4,645 |
| Net charge-offs to loans | 0.1190% | 1,319 |
| Credit loss provision to net charge-offs | 67.3469% | 2,659 |
| Earnings coverage of net charge-offs (x) | 4.7552% | 3,021 |
| Efficiency ratio | 76.7233% | 1,265 |
| Assets per employee ($millions) | 12.3866% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4566% | 5,236 |
| Loan loss allowance to noncurrent loans | 153.7037% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 2,898 |
| Noncurrent loans to loans | 0.2971% | 3,613 |
| Net loans and leases to total assets | 62.6070% | 3,585 |
| Net loans and leases to deposits | 74.6356% | 3,537 |
| Net loans and leases to core deposits | 83.1735% | 3,230 |
| Total domestic deposits to total assets | 83.8835% | 2,984 |
| Equity capital to assets | 14.5676% | 814 |
| Core capital (leverage) ratio | 14.5729% | 804 |
| Tier 1 risk-based capital ratio | 34.4956% | 334 |
| Total risk-based capital ratio | 35.1765% | 339 |
| Memoranda: | ||
| Average total assets | $86,304,000 | 4,369 |
| Average earning assets | $84,027,750 | 4,297 |
| Average equity | $12,563,750 | 3,977 |
| Average total loans | $54,918,750 | 4,253 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4256% | 5,008 |
| Cost of funding earning assets | 1.9177% | 8 |
| Net interest margin | 1.5079% | 5,511 |
| Noninterest income to average assets | 0.0557% | 5,389 |
| Noninterest expense to average assets | 1.1976% | 5,456 |
| Loan and lease loss provision to assets | 0.0627% | 2,652 |
| Net operating income to assets | 0.2175% | 5,217 |
| Return on assets (ROA) | 0.2251% | 5,201 |
| Pretax return on assets | 0.2739% | 5,183 |
| Return on Equity (ROE) | 1.5469% | 5,219 |
| Retained earnings to average equity (ytd only) | 1.5469% | 4,623 |
| Net charge-offs to loans | 0.0690% | 1,652 |
| Credit loss provision to net charge-offs | 142.1053% | 1,630 |
| Earnings coverage of net charge-offs (x) | 7.4211% | 2,547 |
| Efficiency ratio | 78.5388% | 1,156 |
| Assets per employee ($millions) | 12.3449% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5012% | 5,259 |
| Loan loss allowance to noncurrent loans | 60.6195% | 4,205 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 2,668 |
| Noncurrent loans to loans | 0.8267% | 2,071 |
| Net loans and leases to total assets | 62.9516% | 3,510 |
| Net loans and leases to deposits | 75.0228% | 3,437 |
| Net loans and leases to core deposits | 82.9354% | 3,166 |
| Total domestic deposits to total assets | 83.9100% | 3,103 |
| Equity capital to assets | 14.5509% | 793 |
| Core capital (leverage) ratio | 14.5641% | 760 |
| Tier 1 risk-based capital ratio | 34.3042% | 341 |
| Total risk-based capital ratio | 35.0536% | 346 |
| Memoranda: | ||
| Average total assets | $86,170,000 | 4,409 |
| Average earning assets | $83,955,670 | 4,332 |
| Average equity | $12,541,330 | 4,001 |
| Average total loans | $55,047,330 | 4,281 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4213% | 4,992 |
| Cost of funding earning assets | 1.9087% | 8 |
| Net interest margin | 1.5126% | 5,580 |
| Noninterest income to average assets | 0.0558% | 5,461 |
| Noninterest expense to average assets | 1.1900% | 5,520 |
| Loan and lease loss provision to assets | 0.0558% | 2,651 |
| Net operating income to assets | 0.2324% | 5,208 |
| Return on assets (ROA) | 0.2324% | 5,209 |
| Pretax return on assets | 0.2836% | 5,181 |
| Return on Equity (ROE) | 1.5968% | 5,235 |
| Retained earnings to average equity (ytd only) | 1.5968% | 4,461 |
| Net charge-offs to loans | 0.0724% | 1,399 |
| Credit loss provision to net charge-offs | 120.0000% | 1,374 |
| Earnings coverage of net charge-offs (x) | 7.3000% | 2,099 |
| Efficiency ratio | 77.8116% | 1,370 |
| Assets per employee ($millions) | 12.2617% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 5,342 |
| Loan loss allowance to noncurrent loans | 38.9535% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8482% | 1,865 |
| Noncurrent loans to loans | 1.2586% | 1,434 |
| Net loans and leases to total assets | 63.3750% | 3,387 |
| Net loans and leases to deposits | 75.6025% | 3,257 |
| Net loans and leases to core deposits | 83.5717% | 3,013 |
| Total domestic deposits to total assets | 83.8265% | 3,397 |
| Equity capital to assets | 14.6099% | 753 |
| Core capital (leverage) ratio | 14.5196% | 755 |
| Tier 1 risk-based capital ratio | 33.6475% | 354 |
| Total risk-based capital ratio | 34.3664% | 362 |
| Memoranda: | ||
| Average total assets | $86,048,000 | 4,457 |
| Average earning assets | $83,828,500 | 4,378 |
| Average equity | $12,525,000 | 4,041 |
| Average total loans | $55,234,500 | 4,322 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3407% | 5,029 |
| Cost of funding earning assets | 1.8897% | 6 |
| Net interest margin | 1.4510% | 5,618 |
| Noninterest income to average assets | 0.0582% | 5,516 |
| Noninterest expense to average assets | 1.2042% | 5,584 |
| Loan and lease loss provision to assets | 0.0326% | 3,614 |
| Net operating income to assets | 0.1713% | 5,160 |
| Return on assets (ROA) | 0.1654% | 5,180 |
| Pretax return on assets | 0.2271% | 5,283 |
| Return on Equity (ROE) | 1.1366% | 5,217 |
| Retained earnings to average equity (ytd only) | 1.1366% | 4,573 |
| Net charge-offs to loans | 0.1385% | 1,683 |
| Credit loss provision to net charge-offs | 36.3636% | 3,477 |
| Earnings coverage of net charge-offs (x) | 2.9870% | 3,665 |
| Efficiency ratio | 81.8038% | 942 |
| Assets per employee ($millions) | 12.3234% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4749% | 5,418 |
| Loan loss allowance to noncurrent loans | 29.1850% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 1,446 |
| Noncurrent loans to loans | 1.6271% | 1,020 |
| Net loans and leases to total assets | 64.3838% | 3,317 |
| Net loans and leases to deposits | 77.7991% | 3,135 |
| Net loans and leases to core deposits | 85.9779% | 2,908 |
| Total domestic deposits to total assets | 82.7564% | 3,646 |
| Equity capital to assets | 14.5020% | 777 |
| Core capital (leverage) ratio | 14.4965% | 732 |
| Tier 1 risk-based capital ratio | 33.0793% | 371 |
| Total risk-based capital ratio | 33.7830% | 377 |
| Memoranda: | ||
| Average total assets | $85,866,600 | 4,486 |
| Average earning assets | $83,665,600 | 4,407 |
| Average equity | $12,493,000 | 4,059 |
| Average total loans | $55,584,600 | 4,307 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3140% | 5,100 |
| Cost of funding earning assets | 1.8875% | 4 |
| Net interest margin | 1.4264% | 5,691 |
| Noninterest income to average assets | 0.0591% | 5,582 |
| Noninterest expense to average assets | 1.2001% | 5,650 |
| Loan and lease loss provision to assets | 0.0264% | 3,602 |
| Net operating income to assets | 0.1397% | 5,408 |
| Return on assets (ROA) | 0.1228% | 5,431 |
| Pretax return on assets | 0.1959% | 5,396 |
| Return on Equity (ROE) | 0.8434% | 5,450 |
| Retained earnings to average equity (ytd only) | 0.8434% | 5,026 |
| Net charge-offs to loans | 0.0240% | 2,969 |
| Credit loss provision to net charge-offs | 170.0000% | 1,530 |
| Earnings coverage of net charge-offs (x) | 16.0038% | 2,196 |
| Efficiency ratio | 82.8326% | 855 |
| Assets per employee ($millions) | 12.2261% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5726% | 5,371 |
| Loan loss allowance to noncurrent loans | 22.5580% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 1.6627% | 871 |
| Noncurrent loans to loans | 2.5383% | 589 |
| Net loans and leases to total assets | 65.1309% | 3,226 |
| Net loans and leases to deposits | 77.7615% | 3,193 |
| Net loans and leases to core deposits | 85.2374% | 3,031 |
| Total domestic deposits to total assets | 83.7573% | 3,208 |
| Equity capital to assets | 14.6665% | 814 |
| Core capital (leverage) ratio | 14.6126% | 742 |
| Tier 1 risk-based capital ratio | 32.1727% | 413 |
| Total risk-based capital ratio | 33.0000% | 423 |
| Memoranda: | ||
| Average total assets | $85,767,250 | 4,533 |
| Average earning assets | $83,563,250 | 4,450 |
| Average equity | $12,488,750 | 4,099 |
| Average total loans | $55,529,500 | 4,344 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2851% | 5,128 |
| Cost of funding earning assets | 1.8792% | 5 |
| Net interest margin | 1.4058% | 5,743 |
| Noninterest income to average assets | 0.0583% | 5,632 |
| Noninterest expense to average assets | 1.2164% | 5,701 |
| Loan and lease loss provision to assets | 0.0326% | 3,345 |
| Net operating income to assets | 0.1217% | 5,469 |
| Return on assets (ROA) | 0.1328% | 5,462 |
| Pretax return on assets | 0.1957% | 5,431 |
| Return on Equity (ROE) | 0.9144% | 5,483 |
| Retained earnings to average equity (ytd only) | 0.9144% | 4,864 |
| Net charge-offs to loans | 0.0361% | 2,472 |
| Credit loss provision to net charge-offs | 140.0000% | 1,597 |
| Earnings coverage of net charge-offs (x) | 9.1000% | 2,465 |
| Efficiency ratio | 85.1550% | 747 |
| Assets per employee ($millions) | 12.1814% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5768% | 5,416 |
| Loan loss allowance to noncurrent loans | 24.0909% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 1.5480% | 967 |
| Noncurrent loans to loans | 2.3941% | 654 |
| Net loans and leases to total assets | 64.2876% | 3,349 |
| Net loans and leases to deposits | 75.6538% | 3,384 |
| Net loans and leases to core deposits | 82.8642% | 3,187 |
| Total domestic deposits to total assets | 84.9760% | 2,824 |
| Equity capital to assets | 14.6628% | 776 |
| Core capital (leverage) ratio | 14.5174% | 739 |
| Tier 1 risk-based capital ratio | 32.3421% | 392 |
| Total risk-based capital ratio | 33.1694% | 398 |
| Memoranda: | ||
| Average total assets | $85,828,670 | 4,562 |
| Average earning assets | $83,651,330 | 4,474 |
| Average equity | $12,467,330 | 4,117 |
| Average total loans | $55,352,000 | 4,377 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2842% | 5,132 |
| Cost of funding earning assets | 1.8685% | 7 |
| Net interest margin | 1.4157% | 5,812 |
| Noninterest income to average assets | 0.0557% | 5,715 |
| Noninterest expense to average assets | 1.1660% | 5,776 |
| Loan and lease loss provision to assets | 0.0557% | 2,690 |
| Net operating income to assets | 0.1719% | 5,429 |
| Return on assets (ROA) | 0.1719% | 5,441 |
| Pretax return on assets | 0.2137% | 5,420 |
| Return on Equity (ROE) | 1.1888% | 5,465 |
| Retained earnings to average equity (ytd only) | 1.1888% | 4,596 |
| Net charge-offs to loans | 0.0721% | 1,607 |
| Credit loss provision to net charge-offs | 120.0000% | 1,399 |
| Earnings coverage of net charge-offs (x) | 5.8000% | 2,256 |
| Efficiency ratio | 81.2298% | 1,233 |
| Assets per employee ($millions) | 12.2836% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5718% | 5,519 |
| Loan loss allowance to noncurrent loans | 24.0487% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 1.5282% | 1,036 |
| Noncurrent loans to loans | 2.3775% | 683 |
| Net loans and leases to total assets | 63.9077% | 3,291 |
| Net loans and leases to deposits | 75.0399% | 3,297 |
| Net loans and leases to core deposits | 82.0397% | 3,091 |
| Total domestic deposits to total assets | 85.1649% | 3,020 |
| Equity capital to assets | 14.5002% | 756 |
| Core capital (leverage) ratio | 14.4110% | 742 |
| Tier 1 risk-based capital ratio | 31.7577% | 423 |
| Total risk-based capital ratio | 32.5664% | 431 |
| Memoranda: | ||
| Average total assets | $86,108,000 | 4,600 |
| Average earning assets | $83,918,000 | 4,508 |
| Average equity | $12,449,500 | 4,143 |
| Average total loans | $55,460,000 | 4,409 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2931% | 5,169 |
| Cost of funding earning assets | 1.9277% | 5 |
| Net interest margin | 1.3654% | 5,861 |
| Noninterest income to average assets | 0.0569% | 5,751 |
| Noninterest expense to average assets | 1.2171% | 5,827 |
| Loan and lease loss provision to assets | 0.0592% | 3,204 |
| Net operating income to assets | 0.0444% | 5,612 |
| Return on assets (ROA) | 0.0035% | 5,662 |
| Pretax return on assets | 0.0476% | 5,631 |
| Return on Equity (ROE) | 0.0241% | 5,662 |
| Retained earnings to average equity (ytd only) | 0.0241% | 5,295 |
| Net charge-offs to loans | 0.0036% | 4,132 |
| Credit loss provision to net charge-offs | 2,550.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 73.5000% | 763 |
| Efficiency ratio | 87.6987% | 698 |
| Assets per employee ($millions) | 12.3187% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5642% | 5,586 |
| Loan loss allowance to noncurrent loans | 24.2846% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 1.5296% | 1,072 |
| Noncurrent loans to loans | 2.3233% | 708 |
| Net loans and leases to total assets | 64.1753% | 3,336 |
| Net loans and leases to deposits | 75.2625% | 3,387 |
| Net loans and leases to core deposits | 81.8346% | 3,222 |
| Total domestic deposits to total assets | 85.2686% | 2,937 |
| Equity capital to assets | 14.4159% | 759 |
| Core capital (leverage) ratio | 14.3452% | 729 |
| Tier 1 risk-based capital ratio | 31.4179% | 427 |
| Total risk-based capital ratio | 32.2152% | 437 |
| Memoranda: | ||
| Average total assets | $86,106,600 | 4,615 |
| Average earning assets | $83,933,600 | 4,520 |
| Average equity | $12,445,200 | 4,183 |
| Average total loans | $55,646,400 | 4,415 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3117% | 5,202 |
| Cost of funding earning assets | 1.9244% | 5 |
| Net interest margin | 1.3873% | 5,929 |
| Noninterest income to average assets | 0.0558% | 5,821 |
| Noninterest expense to average assets | 1.1989% | 5,893 |
| Loan and lease loss provision to assets | 0.0232% | 3,780 |
| Net operating income to assets | 0.1390% | 5,570 |
| Return on assets (ROA) | 0.0635% | 5,705 |
| Pretax return on assets | 0.0852% | 5,692 |
| Return on Equity (ROE) | 0.4392% | 5,709 |
| Retained earnings to average equity (ytd only) | 0.4392% | 5,244 |
| Net charge-offs to loans | 0.0048% | 3,745 |
| Credit loss provision to net charge-offs | 750.0000% | 525 |
| Earnings coverage of net charge-offs (x) | 67.4157% | 877 |
| Efficiency ratio | 85.1485% | 888 |
| Assets per employee ($millions) | 12.3247% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4989% | 5,728 |
| Loan loss allowance to noncurrent loans | 23.0705% | 5,282 |
| Noncurrent assets plus other real estate owned to assets | 1.4269% | 1,289 |
| Noncurrent loans to loans | 2.1624% | 873 |
| Net loans and leases to total assets | 64.2692% | 3,360 |
| Net loans and leases to deposits | 75.4555% | 3,456 |
| Net loans and leases to core deposits | 81.5577% | 3,318 |
| Total domestic deposits to total assets | 85.1750% | 2,726 |
| Equity capital to assets | 14.4889% | 876 |
| Core capital (leverage) ratio | 14.4135% | 744 |
| Tier 1 risk-based capital ratio | 31.4045% | 434 |
| Total risk-based capital ratio | 32.1079% | 448 |
| Memoranda: | ||
| Average total assets | $86,075,500 | 4,647 |
| Average earning assets | $83,901,500 | 4,556 |
| Average equity | $12,448,750 | 4,212 |
| Average total loans | $55,644,750 | 4,453 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3418% | 5,201 |
| Cost of funding earning assets | 1.9202% | 4 |
| Net interest margin | 1.4216% | 6,008 |
| Noninterest income to average assets | 0.0581% | 5,897 |
| Noninterest expense to average assets | 1.2045% | 5,972 |
| Loan and lease loss provision to assets | 0.0349% | 3,452 |
| Net operating income to assets | 0.0805% | 5,690 |
| Return on assets (ROA) | -0.0163% | 5,803 |
| Pretax return on assets | 0.0535% | 5,757 |
| Return on Equity (ROE) | -0.1126% | 5,800 |
| Retained earnings to average equity (ytd only) | -0.1126% | 5,306 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4138% | 1,103 |
| Assets per employee ($millions) | 12.2793% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5026% | 5,797 |
| Loan loss allowance to noncurrent loans | 47.9452% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 2,948 |
| Noncurrent loans to loans | 1.0482% | 2,188 |
| Net loans and leases to total assets | 64.4930% | 3,292 |
| Net loans and leases to deposits | 75.7092% | 3,414 |
| Net loans and leases to core deposits | 81.4430% | 3,327 |
| Total domestic deposits to total assets | 85.1853% | 2,790 |
| Equity capital to assets | 14.4971% | 871 |
| Core capital (leverage) ratio | 14.4004% | 725 |
| Tier 1 risk-based capital ratio | 30.9501% | 459 |
| Total risk-based capital ratio | 31.6510% | 474 |
| Memoranda: | ||
| Average total assets | $86,009,670 | 4,691 |
| Average earning assets | $83,846,330 | 4,593 |
| Average equity | $12,431,670 | 4,247 |
| Average total loans | $55,618,000 | 4,485 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3053% | 5,313 |
| Cost of funding earning assets | 1.9269% | 4 |
| Net interest margin | 1.3784% | 6,073 |
| Noninterest income to average assets | 0.0558% | 5,947 |
| Noninterest expense to average assets | 1.2274% | 6,027 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1073% | 5,672 |
| Return on assets (ROA) | 0.1162% | 5,709 |
| Pretax return on assets | 0.1860% | 5,654 |
| Return on Equity (ROE) | 0.8053% | 5,724 |
| Retained earnings to average equity (ytd only) | 0.8053% | 4,898 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7076% | 838 |
| Assets per employee ($millions) | 12.2499% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4775% | 5,882 |
| Loan loss allowance to noncurrent loans | 77.0349% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 3,967 |
| Noncurrent loans to loans | 0.6199% | 3,315 |
| Net loans and leases to total assets | 64.4101% | 3,185 |
| Net loans and leases to deposits | 75.6092% | 3,264 |
| Net loans and leases to core deposits | 81.2914% | 3,203 |
| Total domestic deposits to total assets | 85.1882% | 3,044 |
| Equity capital to assets | 14.5121% | 834 |
| Core capital (leverage) ratio | 14.4078% | 717 |
| Tier 1 risk-based capital ratio | 31.3902% | 450 |
| Total risk-based capital ratio | 32.0613% | 465 |
| Memoranda: | ||
| Average total assets | $86,037,000 | 4,730 |
| Average earning assets | $83,866,500 | 4,627 |
| Average equity | $12,417,000 | 4,258 |
| Average total loans | $55,569,500 | 4,509 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2990% | 5,351 |
| Cost of funding earning assets | 1.9343% | 6 |
| Net interest margin | 1.3647% | 6,117 |
| Noninterest income to average assets | 0.0544% | 5,992 |
| Noninterest expense to average assets | 1.1834% | 6,094 |
| Loan and lease loss provision to assets | 0.0634% | 3,027 |
| Net operating income to assets | 0.0703% | 5,792 |
| Return on assets (ROA) | 0.0906% | 5,810 |
| Pretax return on assets | 0.1687% | 5,727 |
| Return on Equity (ROE) | 0.6477% | 5,819 |
| Retained earnings to average equity (ytd only) | 0.6477% | 5,252 |
| Net charge-offs to loans | 0.0906% | 2,531 |
| Credit loss provision to net charge-offs | 112.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.5400% | 3,714 |
| Efficiency ratio | 85.5155% | 1,038 |
| Assets per employee ($millions) | 12.3321% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4763% | 5,938 |
| Loan loss allowance to noncurrent loans | 44.9153% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 2,988 |
| Noncurrent loans to loans | 1.0603% | 2,216 |
| Net loans and leases to total assets | 64.1506% | 3,253 |
| Net loans and leases to deposits | 75.1408% | 3,364 |
| Net loans and leases to core deposits | 81.1471% | 3,231 |
| Total domestic deposits to total assets | 85.3739% | 2,910 |
| Equity capital to assets | 14.3527% | 813 |
| Core capital (leverage) ratio | 14.2462% | 768 |
| Tier 1 risk-based capital ratio | 30.8164% | 470 |
| Total risk-based capital ratio | 31.4765% | 489 |
| Memoranda: | ||
| Average total assets | $88,308,200 | 4,704 |
| Average earning assets | $86,025,600 | 4,586 |
| Average equity | $12,351,200 | 4,234 |
| Average total loans | $55,217,400 | 4,522 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1864% | 5,607 |
| Cost of funding earning assets | 1.9239% | 7 |
| Net interest margin | 1.2625% | 6,222 |
| Noninterest income to average assets | 0.0541% | 6,081 |
| Noninterest expense to average assets | 1.1876% | 6,176 |
| Loan and lease loss provision to assets | 0.0631% | 2,922 |
| Net operating income to assets | -0.0544% | 5,970 |
| Return on assets (ROA) | -0.0390% | 5,990 |
| Pretax return on assets | 0.0570% | 5,927 |
| Return on Equity (ROE) | -0.2809% | 5,989 |
| Retained earnings to average equity (ytd only) | -0.2809% | 5,657 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5146% | 542 |
| Assets per employee ($millions) | 12.4764% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5425% | 5,978 |
| Loan loss allowance to noncurrent loans | 26.5666% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.3797% | 1,672 |
| Noncurrent loans to loans | 2.0422% | 1,130 |
| Net loans and leases to total assets | 63.1797% | 3,422 |
| Net loans and leases to deposits | 73.8039% | 3,564 |
| Net loans and leases to core deposits | 79.6955% | 3,448 |
| Total domestic deposits to total assets | 85.6049% | 2,736 |
| Equity capital to assets | 14.0963% | 988 |
| Core capital (leverage) ratio | 13.9294% | 882 |
| Tier 1 risk-based capital ratio | 30.3122% | 503 |
| Total risk-based capital ratio | 31.0561% | 529 |
| Memoranda: | ||
| Average total assets | $88,804,000 | 4,752 |
| Average earning assets | $86,490,500 | 4,625 |
| Average equity | $12,341,500 | 4,293 |
| Average total loans | $55,111,000 | 4,572 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1462% | 5,693 |
| Cost of funding earning assets | 1.9043% | 6 |
| Net interest margin | 1.2419% | 6,299 |
| Noninterest income to average assets | 0.0538% | 6,163 |
| Noninterest expense to average assets | 1.1647% | 6,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.0162% | 6,006 |
| Return on assets (ROA) | 0.0067% | 6,017 |
| Pretax return on assets | 0.1344% | 5,900 |
| Return on Equity (ROE) | 0.0486% | 6,022 |
| Retained earnings to average equity (ytd only) | 0.0486% | 5,487 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1986% | 626 |
| Assets per employee ($millions) | 12.6789% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4691% | 6,115 |
| Loan loss allowance to noncurrent loans | 20.2344% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 1.5357% | 1,591 |
| Noncurrent loans to loans | 2.3182% | 1,011 |
| Net loans and leases to total assets | 61.9220% | 3,559 |
| Net loans and leases to deposits | 74.1040% | 3,478 |
| Net loans and leases to core deposits | 80.3160% | 3,357 |
| Total domestic deposits to total assets | 83.5609% | 3,737 |
| Equity capital to assets | 13.9084% | 1,011 |
| Core capital (leverage) ratio | 13.8544% | 885 |
| Tier 1 risk-based capital ratio | 30.6438% | 510 |
| Total risk-based capital ratio | 31.2894% | 537 |
| Memoranda: | ||
| Average total assets | $89,293,670 | 4,787 |
| Average earning assets | $86,962,670 | 4,654 |
| Average equity | $12,351,670 | 4,317 |
| Average total loans | $54,988,330 | 4,615 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1507% | 5,719 |
| Cost of funding earning assets | 1.8941% | 5 |
| Net interest margin | 1.2566% | 6,369 |
| Noninterest income to average assets | 0.0536% | 6,217 |
| Noninterest expense to average assets | 1.1522% | 6,338 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0223% | 6,036 |
| Return on assets (ROA) | -0.0223% | 6,072 |
| Pretax return on assets | 0.1250% | 5,924 |
| Return on Equity (ROE) | -0.1619% | 6,070 |
| Retained earnings to average equity (ytd only) | -0.1619% | 5,409 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2098% | 836 |
| Assets per employee ($millions) | 12.6744% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4739% | 6,188 |
| Loan loss allowance to noncurrent loans | 80.4348% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 4,535 |
| Noncurrent loans to loans | 0.5891% | 3,812 |
| Net loans and leases to total assets | 61.3124% | 3,478 |
| Net loans and leases to deposits | 73.3786% | 3,385 |
| Net loans and leases to core deposits | 78.8351% | 3,294 |
| Total domestic deposits to total assets | 83.5563% | 3,992 |
| Equity capital to assets | 13.9302% | 1,008 |
| Core capital (leverage) ratio | 13.7174% | 899 |
| Tier 1 risk-based capital ratio | 30.6018% | 511 |
| Total risk-based capital ratio | 31.2469% | 536 |
| Memoranda: | ||
| Average total assets | $89,564,500 | 4,818 |
| Average earning assets | $87,219,500 | 4,688 |
| Average equity | $12,355,500 | 4,346 |
| Average total loans | $54,874,500 | 4,645 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3743% | 5,577 |
| Cost of funding earning assets | 1.9246% | 8 |
| Net interest margin | 1.4497% | 6,436 |
| Noninterest income to average assets | 0.1792% | 5,782 |
| Noninterest expense to average assets | 1.1450% | 6,421 |
| Loan and lease loss provision to assets | 0.0134% | 4,355 |
| Net operating income to assets | 0.4562% | 4,988 |
| Return on assets (ROA) | 0.2481% | 5,718 |
| Pretax return on assets | 0.2259% | 5,827 |
| Return on Equity (ROE) | 1.8129% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.8129% | 4,900 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9078% | 3,221 |
| Assets per employee ($millions) | 12.9154% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4701% | 6,279 |
| Loan loss allowance to noncurrent loans | 61.9617% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4701% | 4,237 |
| Noncurrent loans to loans | 0.7587% | 3,425 |
| Net loans and leases to total assets | 60.6517% | 3,701 |
| Net loans and leases to deposits | 74.2586% | 3,406 |
| Net loans and leases to core deposits | 79.6149% | 3,336 |
| Total domestic deposits to total assets | 81.6764% | 4,538 |
| Equity capital to assets | 13.6625% | 1,089 |
| Core capital (leverage) ratio | 13.5950% | 944 |
| Tier 1 risk-based capital ratio | 30.8672% | 477 |
| Total risk-based capital ratio | 31.5176% | 495 |
| Memoranda: | ||
| Average total assets | $89,868,400 | 4,841 |
| Average earning assets | $87,604,200 | 4,704 |
| Average equity | $12,301,000 | 4,303 |
| Average total loans | $53,682,200 | 4,702 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 5,598 |
| Cost of funding earning assets | 1.9200% | 8 |
| Net interest margin | 1.4766% | 6,516 |
| Noninterest income to average assets | 0.2214% | 5,607 |
| Noninterest expense to average assets | 1.1515% | 6,492 |
| Loan and lease loss provision to assets | 0.0178% | 4,054 |
| Net operating income to assets | 0.3725% | 5,359 |
| Return on assets (ROA) | 0.4086% | 5,288 |
| Pretax return on assets | 0.5394% | 5,209 |
| Return on Equity (ROE) | 2.9838% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.9838% | 4,480 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3202% | 3,623 |
| Assets per employee ($millions) | 12.9329% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4761% | 6,363 |
| Loan loss allowance to noncurrent loans | 74.2120% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 0.3932% | 4,746 |
| Noncurrent loans to loans | 0.6415% | 4,013 |
| Net loans and leases to total assets | 59.8100% | 3,820 |
| Net loans and leases to deposits | 73.2812% | 3,522 |
| Net loans and leases to core deposits | 78.3362% | 3,508 |
| Total domestic deposits to total assets | 81.6171% | 4,624 |
| Equity capital to assets | 13.6993% | 1,109 |
| Core capital (leverage) ratio | 13.6330% | 954 |
| Tier 1 risk-based capital ratio | 24.3793% | 942 |
| Total risk-based capital ratio | 24.8909% | 1,014 |
| Memoranda: | ||
| Average total assets | $89,733,500 | 4,901 |
| Average earning assets | $87,498,250 | 4,756 |
| Average equity | $12,288,250 | 4,326 |
| Average total loans | $53,329,500 | 4,758 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3990% | 5,618 |
| Cost of funding earning assets | 1.9194% | 9 |
| Net interest margin | 1.4796% | 6,585 |
| Noninterest income to average assets | 0.3107% | 4,931 |
| Noninterest expense to average assets | 1.1557% | 6,565 |
| Loan and lease loss provision to assets | 0.0268% | 3,737 |
| Net operating income to assets | 0.4254% | 5,114 |
| Return on assets (ROA) | 0.4784% | 4,966 |
| Pretax return on assets | 0.6438% | 4,804 |
| Return on Equity (ROE) | 3.4938% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.4938% | 3,982 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8599% | 4,383 |
| Assets per employee ($millions) | 12.6603% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4883% | 6,428 |
| Loan loss allowance to noncurrent loans | 66.0714% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 4,650 |
| Noncurrent loans to loans | 0.7390% | 3,853 |
| Net loans and leases to total assets | 59.5642% | 3,785 |
| Net loans and leases to deposits | 69.4164% | 3,896 |
| Net loans and leases to core deposits | 74.3217% | 3,803 |
| Total domestic deposits to total assets | 85.8071% | 3,146 |
| Equity capital to assets | 13.9390% | 994 |
| Core capital (leverage) ratio | 13.8589% | 872 |
| Tier 1 risk-based capital ratio | 24.7621% | 899 |
| Total risk-based capital ratio | 25.2843% | 961 |
| Memoranda: | ||
| Average total assets | $89,468,000 | 4,943 |
| Average earning assets | $87,318,670 | 4,784 |
| Average equity | $12,250,330 | 4,349 |
| Average total loans | $52,971,000 | 4,796 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3376% | 5,777 |
| Cost of funding earning assets | 1.9013% | 12 |
| Net interest margin | 1.4362% | 6,662 |
| Noninterest income to average assets | 0.5696% | 2,922 |
| Noninterest expense to average assets | 1.1614% | 6,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6408% | 3,993 |
| Return on assets (ROA) | 0.6408% | 4,083 |
| Pretax return on assets | 0.8099% | 4,070 |
| Return on Equity (ROE) | 4.7217% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.7217% | 3,283 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9165% | 5,551 |
| Assets per employee ($millions) | 12.7286% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4670% | 6,521 |
| Loan loss allowance to noncurrent loans | 67.3025% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 4,870 |
| Noncurrent loans to loans | 0.6939% | 4,138 |
| Net loans and leases to total assets | 59.0808% | 3,689 |
| Net loans and leases to deposits | 68.7040% | 3,773 |
| Net loans and leases to core deposits | 73.1562% | 3,747 |
| Total domestic deposits to total assets | 85.9933% | 3,366 |
| Equity capital to assets | 13.7722% | 1,002 |
| Core capital (leverage) ratio | 13.7048% | 921 |
| Tier 1 risk-based capital ratio | 24.5605% | 931 |
| Total risk-based capital ratio | 25.0573% | 1,013 |
| Memoranda: | ||
| Average total assets | $89,891,000 | 4,975 |
| Average earning assets | $87,728,500 | 4,831 |
| Average equity | $12,199,000 | 4,389 |
| Average total loans | $52,933,500 | 4,827 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6023% | 5,398 |
| Cost of funding earning assets | 2.0027% | 10 |
| Net interest margin | 1.5996% | 6,710 |
| Noninterest income to average assets | 0.0533% | 6,542 |
| Noninterest expense to average assets | 1.2458% | 6,702 |
| Loan and lease loss provision to assets | 0.0579% | 3,985 |
| Net operating income to assets | 0.1480% | 5,945 |
| Return on assets (ROA) | 0.2156% | 5,844 |
| Pretax return on assets | 0.4130% | 5,468 |
| Return on Equity (ROE) | 1.5715% | 5,970 |
| Retained earnings to average equity (ytd only) | 1.5715% | 5,104 |
| Net charge-offs to loans | 0.0059% | 5,349 |
| Credit loss provision to net charge-offs | 1,700.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 107.3333% | 437 |
| Efficiency ratio | 77.3239% | 2,567 |
| Assets per employee ($millions) | 12.9546% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4662% | 6,595 |
| Loan loss allowance to noncurrent loans | 62.5316% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4455% | 4,906 |
| Noncurrent loans to loans | 0.7456% | 4,098 |
| Net loans and leases to total assets | 58.1505% | 4,015 |
| Net loans and leases to deposits | 67.2945% | 4,147 |
| Net loans and leases to core deposits | 70.7537% | 4,215 |
| Total domestic deposits to total assets | 86.4119% | 3,035 |
| Equity capital to assets | 13.3731% | 1,111 |
| Core capital (leverage) ratio | 13.3069% | 1,020 |
| Tier 1 risk-based capital ratio | 24.0393% | 950 |
| Total risk-based capital ratio | 24.5313% | 1,032 |
| Memoranda: | ||
| Average total assets | $88,136,800 | 5,024 |
| Average earning assets | $85,835,000 | 4,885 |
| Average equity | $12,090,600 | 4,424 |
| Average total loans | $50,701,600 | 4,938 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 5,255 |
| Cost of funding earning assets | 2.0100% | 9 |
| Net interest margin | 1.6593% | 6,791 |
| Noninterest income to average assets | 0.0579% | 6,611 |
| Noninterest expense to average assets | 1.1702% | 6,797 |
| Loan and lease loss provision to assets | 0.0457% | 4,094 |
| Net operating income to assets | 0.2926% | 5,640 |
| Return on assets (ROA) | 0.3550% | 5,550 |
| Pretax return on assets | 0.5546% | 5,189 |
| Return on Equity (ROE) | 2.5714% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.5714% | 4,784 |
| Net charge-offs to loans | 0.0080% | 4,999 |
| Credit loss provision to net charge-offs | 1,000.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 109.9975% | 462 |
| Efficiency ratio | 69.9454% | 3,768 |
| Assets per employee ($millions) | 12.7370% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4414% | 6,695 |
| Loan loss allowance to noncurrent loans | 57.0707% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 5,062 |
| Noncurrent loans to loans | 0.7734% | 4,300 |
| Net loans and leases to total assets | 57.1731% | 4,146 |
| Net loans and leases to deposits | 66.3599% | 4,263 |
| Net loans and leases to core deposits | 69.8326% | 4,342 |
| Total domestic deposits to total assets | 86.1562% | 3,159 |
| Equity capital to assets | 13.6621% | 1,060 |
| Core capital (leverage) ratio | 13.5836% | 987 |
| Tier 1 risk-based capital ratio | 24.5540% | 929 |
| Total risk-based capital ratio | 25.0122% | 1,017 |
| Memoranda: | ||
| Average total assets | $87,500,500 | 5,089 |
| Average earning assets | $85,173,250 | 4,948 |
| Average equity | $12,081,500 | 4,480 |
| Average total loans | $50,132,250 | 4,996 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7725% | 4,917 |
| Cost of funding earning assets | 2.0115% | 9 |
| Net interest margin | 1.7610% | 6,823 |
| Noninterest income to average assets | 0.0575% | 6,648 |
| Noninterest expense to average assets | 1.1800% | 6,839 |
| Loan and lease loss provision to assets | 0.0690% | 3,660 |
| Net operating income to assets | 0.3591% | 5,365 |
| Return on assets (ROA) | 0.4416% | 5,220 |
| Pretax return on assets | 0.6418% | 4,868 |
| Return on Equity (ROE) | 3.1872% | 5,550 |
| Retained earnings to average equity (ytd only) | 3.1872% | 4,286 |
| Net charge-offs to loans | 0.0121% | 4,623 |
| Credit loss provision to net charge-offs | 1,000.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 85.6667% | 530 |
| Efficiency ratio | 66.6234% | 4,428 |
| Assets per employee ($millions) | 14.4703% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4501% | 6,743 |
| Loan loss allowance to noncurrent loans | 63.8418% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 0.4204% | 5,231 |
| Noncurrent loans to loans | 0.7050% | 4,524 |
| Net loans and leases to total assets | 57.5753% | 4,051 |
| Net loans and leases to deposits | 67.0404% | 4,141 |
| Net loans and leases to core deposits | 70.6275% | 4,203 |
| Total domestic deposits to total assets | 85.8815% | 3,429 |
| Equity capital to assets | 13.9538% | 981 |
| Core capital (leverage) ratio | 13.8732% | 856 |
| Tier 1 risk-based capital ratio | 25.2675% | 847 |
| Total risk-based capital ratio | 25.7416% | 923 |
| Memoranda: | ||
| Average total assets | $86,947,670 | 5,128 |
| Average earning assets | $84,612,670 | 4,995 |
| Average equity | $12,048,330 | 4,521 |
| Average total loans | $49,776,000 | 5,032 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6670% | 5,261 |
| Cost of funding earning assets | 2.0131% | 9 |
| Net interest margin | 1.6539% | 6,919 |
| Noninterest income to average assets | 0.0552% | 6,717 |
| Noninterest expense to average assets | 1.1953% | 6,909 |
| Loan and lease loss provision to assets | 0.1379% | 2,517 |
| Net operating income to assets | 0.1287% | 6,095 |
| Return on assets (ROA) | 0.1287% | 6,186 |
| Pretax return on assets | 0.3310% | 5,774 |
| Return on Equity (ROE) | 0.9322% | 6,236 |
| Retained earnings to average equity (ytd only) | 0.9322% | 5,474 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8232% | 3,647 |
| Assets per employee ($millions) | 14.5372% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4625% | 6,818 |
| Loan loss allowance to noncurrent loans | 47.4120% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6707% | 4,697 |
| Noncurrent loans to loans | 0.9755% | 4,182 |
| Net loans and leases to total assets | 56.5057% | 4,007 |
| Net loans and leases to deposits | 66.5326% | 3,984 |
| Net loans and leases to core deposits | 70.5972% | 3,995 |
| Total domestic deposits to total assets | 84.9294% | 4,077 |
| Equity capital to assets | 13.7842% | 1,100 |
| Core capital (leverage) ratio | 13.6203% | 902 |
| Tier 1 risk-based capital ratio | 24.6775% | 932 |
| Total risk-based capital ratio | 25.1532% | 1,011 |
| Memoranda: | ||
| Average total assets | $87,010,500 | 5,169 |
| Average earning assets | $84,646,000 | 5,021 |
| Average equity | $12,015,000 | 4,574 |
| Average total loans | $49,557,000 | 5,071 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 5,209 |
| Cost of funding earning assets | 2.3087% | 11 |
| Net interest margin | 1.7271% | 6,972 |
| Noninterest income to average assets | 0.0590% | 6,660 |
| Noninterest expense to average assets | 1.1389% | 6,988 |
| Loan and lease loss provision to assets | 0.0208% | 5,640 |
| Net operating income to assets | 0.3654% | 5,236 |
| Return on assets (ROA) | 0.3654% | 5,464 |
| Pretax return on assets | 0.5747% | 5,068 |
| Return on Equity (ROE) | 2.6567% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.6567% | 4,363 |
| Net charge-offs to loans | 0.0859% | 4,822 |
| Credit loss provision to net charge-offs | 43.9024% | 4,845 |
| Earnings coverage of net charge-offs (x) | 12.5610% | 1,915 |
| Efficiency ratio | 65.6667% | 4,571 |
| Assets per employee ($millions) | 14.4663% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4012% | 6,897 |
| Loan loss allowance to noncurrent loans | 27.5623% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 0.8456% | 4,364 |
| Noncurrent loans to loans | 1.4557% | 3,414 |
| Net loans and leases to total assets | 56.9138% | 4,131 |
| Net loans and leases to deposits | 67.0267% | 4,131 |
| Net loans and leases to core deposits | 70.8508% | 4,186 |
| Total domestic deposits to total assets | 84.9121% | 3,900 |
| Equity capital to assets | 13.8333% | 1,106 |
| Core capital (leverage) ratio | 13.6558% | 900 |
| Tier 1 risk-based capital ratio | 24.2358% | 945 |
| Total risk-based capital ratio | 24.6427% | 1,033 |
| Memoranda: | ||
| Average total assets | $86,485,000 | 5,176 |
| Average earning assets | $83,898,800 | 5,019 |
| Average equity | $11,894,600 | 4,588 |
| Average total loans | $47,732,200 | 5,189 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 5,251 |
| Cost of funding earning assets | 2.3483% | 9 |
| Net interest margin | 1.7354% | 7,085 |
| Noninterest income to average assets | 0.0586% | 6,773 |
| Noninterest expense to average assets | 1.1249% | 7,094 |
| Loan and lease loss provision to assets | 0.0278% | 5,434 |
| Net operating income to assets | 0.4135% | 5,191 |
| Return on assets (ROA) | 0.4135% | 5,420 |
| Pretax return on assets | 0.5879% | 5,206 |
| Return on Equity (ROE) | 3.0112% | 5,677 |
| Retained earnings to average equity (ytd only) | 3.0112% | 4,748 |
| Net charge-offs to loans | 0.1157% | 4,223 |
| Credit loss provision to net charge-offs | 43.9024% | 4,530 |
| Earnings coverage of net charge-offs (x) | 9.7309% | 2,278 |
| Efficiency ratio | 64.6277% | 4,692 |
| Assets per employee ($millions) | 14.4417% | 96 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4056% | 7,011 |
| Loan loss allowance to noncurrent loans | 71.8412% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 5,856 |
| Noncurrent loans to loans | 0.5646% | 5,313 |
| Net loans and leases to total assets | 56.3912% | 4,387 |
| Net loans and leases to deposits | 65.5853% | 4,522 |
| Net loans and leases to core deposits | 70.0414% | 4,494 |
| Total domestic deposits to total assets | 85.9815% | 3,272 |
| Equity capital to assets | 13.8338% | 1,221 |
| Core capital (leverage) ratio | 13.6238% | 970 |
| Tier 1 risk-based capital ratio | 24.5886% | 943 |
| Total risk-based capital ratio | 25.0031% | 1,036 |
| Memoranda: | ||
| Average total assets | $86,406,750 | 5,226 |
| Average earning assets | $83,746,750 | 5,081 |
| Average equity | $11,866,500 | 4,639 |
| Average total loans | $47,265,500 | 5,260 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0017% | 5,629 |
| Cost of funding earning assets | 2.3694% | 13 |
| Net interest margin | 1.6323% | 7,168 |
| Noninterest income to average assets | 0.0579% | 6,829 |
| Noninterest expense to average assets | 1.1306% | 7,163 |
| Loan and lease loss provision to assets | 0.0417% | 5,152 |
| Net operating income to assets | 0.3267% | 5,515 |
| Return on assets (ROA) | 0.3267% | 5,727 |
| Pretax return on assets | 0.4657% | 5,525 |
| Return on Equity (ROE) | 2.3845% | 5,918 |
| Retained earnings to average equity (ytd only) | 2.3845% | 5,002 |
| Net charge-offs to loans | 0.0643% | 4,534 |
| Credit loss provision to net charge-offs | 120.0000% | 2,288 |
| Earnings coverage of net charge-offs (x) | 14.6000% | 1,704 |
| Efficiency ratio | 69.0240% | 3,935 |
| Assets per employee ($millions) | 14.4670% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4762% | 7,036 |
| Loan loss allowance to noncurrent loans | 102.2727% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 5,863 |
| Noncurrent loans to loans | 0.4656% | 5,603 |
| Net loans and leases to total assets | 54.1773% | 4,768 |
| Net loans and leases to deposits | 62.8636% | 4,894 |
| Net loans and leases to core deposits | 66.9128% | 4,907 |
| Total domestic deposits to total assets | 86.1823% | 3,266 |
| Equity capital to assets | 13.7082% | 1,210 |
| Core capital (leverage) ratio | 13.5204% | 973 |
| Tier 1 risk-based capital ratio | 24.7679% | 925 |
| Total risk-based capital ratio | 25.2427% | 991 |
| Memoranda: | ||
| Average total assets | $86,325,670 | 5,268 |
| Average earning assets | $83,565,330 | 5,117 |
| Average equity | $11,826,330 | 4,646 |
| Average total loans | $46,666,670 | 5,317 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8456% | 6,152 |
| Cost of funding earning assets | 2.4035% | 13 |
| Net interest margin | 1.4421% | 7,241 |
| Noninterest income to average assets | 0.0604% | 6,896 |
| Noninterest expense to average assets | 1.1709% | 7,217 |
| Loan and lease loss provision to assets | 0.0418% | 4,869 |
| Net operating income to assets | 0.1022% | 6,235 |
| Return on assets (ROA) | 0.1022% | 6,363 |
| Pretax return on assets | 0.2416% | 6,105 |
| Return on Equity (ROE) | 0.7464% | 6,395 |
| Retained earnings to average equity (ytd only) | 0.7464% | 5,761 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5112% | 2,142 |
| Assets per employee ($millions) | 14.4345% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4959% | 7,068 |
| Loan loss allowance to noncurrent loans | 38.4359% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 5,127 |
| Noncurrent loans to loans | 1.2901% | 4,184 |
| Net loans and leases to total assets | 53.5234% | 4,800 |
| Net loans and leases to deposits | 62.0325% | 4,915 |
| Net loans and leases to core deposits | 65.4824% | 4,973 |
| Total domestic deposits to total assets | 86.2829% | 3,370 |
| Equity capital to assets | 13.6282% | 1,183 |
| Core capital (leverage) ratio | 13.4123% | 976 |
| Tier 1 risk-based capital ratio | 24.4470% | 958 |
| Total risk-based capital ratio | 25.2005% | 999 |
| Memoranda: | ||
| Average total assets | $86,087,500 | 5,309 |
| Average earning assets | $83,211,500 | 5,166 |
| Average equity | $11,790,000 | 4,658 |
| Average total loans | $46,374,000 | 5,363 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3490% | 5,605 |
| Cost of funding earning assets | 2.6645% | 16 |
| Net interest margin | 1.6845% | 7,275 |
| Noninterest income to average assets | 0.0629% | 6,784 |
| Noninterest expense to average assets | 1.1744% | 7,272 |
| Loan and lease loss provision to assets | 0.1507% | 4,737 |
| Net operating income to assets | 0.3298% | 5,150 |
| Return on assets (ROA) | 0.3298% | 5,299 |
| Pretax return on assets | 0.3630% | 5,397 |
| Return on Equity (ROE) | 2.3933% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.3933% | 4,518 |
| Net charge-offs to loans | 0.1727% | 4,765 |
| Credit loss provision to net charge-offs | 164.9351% | 1,648 |
| Earnings coverage of net charge-offs (x) | 5.6234% | 2,734 |
| Efficiency ratio | 69.5713% | 4,047 |
| Assets per employee ($millions) | 14.2613% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4809% | 7,116 |
| Loan loss allowance to noncurrent loans | 30.4945% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 0.8695% | 4,887 |
| Noncurrent loans to loans | 1.5771% | 3,799 |
| Net loans and leases to total assets | 53.6883% | 5,086 |
| Net loans and leases to deposits | 62.3219% | 5,198 |
| Net loans and leases to core deposits | 65.5770% | 5,309 |
| Total domestic deposits to total assets | 86.1467% | 3,233 |
| Equity capital to assets | 13.7633% | 1,148 |
| Core capital (leverage) ratio | 13.5785% | 940 |
| Tier 1 risk-based capital ratio | 31.5775% | 445 |
| Total risk-based capital ratio | 29.8671% | 570 |
| Memoranda: | ||
| Average total assets | $84,299,000 | 5,331 |
| Average earning assets | $81,328,600 | 5,190 |
| Average equity | $11,615,600 | 4,634 |
| Average total loans | $44,594,600 | 5,486 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3075% | 5,927 |
| Cost of funding earning assets | 2.6848% | 20 |
| Net interest margin | 1.6227% | 7,358 |
| Noninterest income to average assets | 0.0635% | 6,904 |
| Noninterest expense to average assets | 1.1907% | 7,342 |
| Loan and lease loss provision to assets | 0.1302% | 4,803 |
| Net operating income to assets | 0.2715% | 5,504 |
| Return on assets (ROA) | 0.2715% | 5,665 |
| Pretax return on assets | 0.3096% | 5,686 |
| Return on Equity (ROE) | 1.9696% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.9696% | 5,153 |
| Net charge-offs to loans | 0.2322% | 3,976 |
| Credit loss provision to net charge-offs | 106.4935% | 3,107 |
| Earnings coverage of net charge-offs (x) | 3.5975% | 3,381 |
| Efficiency ratio | 73.0282% | 3,355 |
| Assets per employee ($millions) | 14.2577% | 102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3968% | 7,233 |
| Loan loss allowance to noncurrent loans | 26.6566% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 0.7961% | 5,178 |
| Noncurrent loans to loans | 1.4887% | 4,064 |
| Net loans and leases to total assets | 51.9323% | 5,457 |
| Net loans and leases to deposits | 60.2599% | 5,601 |
| Net loans and leases to core deposits | 63.4358% | 5,681 |
| Total domestic deposits to total assets | 86.1805% | 3,105 |
| Equity capital to assets | 13.7084% | 1,283 |
| Core capital (leverage) ratio | 13.4656% | 1,058 |
| Tier 1 risk-based capital ratio | 31.8138% | 461 |
| Total risk-based capital ratio | 29.9499% | 602 |
| Memoranda: | ||
| Average total assets | $83,981,750 | 5,380 |
| Average earning assets | $81,097,500 | 5,237 |
| Average equity | $11,575,250 | 4,668 |
| Average total loans | $44,202,750 | 5,550 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 5,804 |
| Cost of funding earning assets | 2.6929% | 20 |
| Net interest margin | 1.6722% | 7,429 |
| Noninterest income to average assets | 0.0623% | 6,991 |
| Noninterest expense to average assets | 1.2413% | 7,410 |
| Loan and lease loss provision to assets | 0.0791% | 5,324 |
| Net operating income to assets | 0.3211% | 5,287 |
| Return on assets (ROA) | 0.3211% | 5,419 |
| Pretax return on assets | 0.3595% | 5,519 |
| Return on Equity (ROE) | 2.3254% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.3254% | 4,808 |
| Net charge-offs to loans | 0.1951% | 3,984 |
| Credit loss provision to net charge-offs | 76.7442% | 3,864 |
| Earnings coverage of net charge-offs (x) | 4.2558% | 2,914 |
| Efficiency ratio | 73.8944% | 3,378 |
| Assets per employee ($millions) | 14.0252% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3652% | 7,313 |
| Loan loss allowance to noncurrent loans | 28.1739% | 6,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 5,284 |
| Noncurrent loans to loans | 1.2961% | 4,486 |
| Net loans and leases to total assets | 52.5282% | 5,496 |
| Net loans and leases to deposits | 60.9781% | 5,616 |
| Net loans and leases to core deposits | 64.4753% | 5,676 |
| Total domestic deposits to total assets | 86.1428% | 3,244 |
| Equity capital to assets | 13.7812% | 1,170 |
| Core capital (leverage) ratio | 13.5737% | 974 |
| Tier 1 risk-based capital ratio | 31.6176% | 469 |
| Total risk-based capital ratio | 29.7087% | 611 |
| Memoranda: | ||
| Average total assets | $83,460,330 | 5,441 |
| Average earning assets | $80,730,330 | 5,299 |
| Average equity | $11,524,670 | 4,680 |
| Average total loans | $44,069,330 | 5,613 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 5,854 |
| Cost of funding earning assets | 2.6794% | 21 |
| Net interest margin | 1.6702% | 7,479 |
| Noninterest income to average assets | 0.0626% | 7,084 |
| Noninterest expense to average assets | 1.3042% | 7,456 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3369% | 5,240 |
| Return on assets (ROA) | 0.3369% | 5,319 |
| Pretax return on assets | 0.3754% | 5,414 |
| Return on Equity (ROE) | 2.4372% | 5,622 |
| Retained earnings to average equity (ytd only) | 2.4372% | 4,688 |
| Net charge-offs to loans | 0.3916% | 2,513 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.8140% | 3,398 |
| Efficiency ratio | 77.6504% | 2,903 |
| Assets per employee ($millions) | 13.9315% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2935% | 7,408 |
| Loan loss allowance to noncurrent loans | 57.8475% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 6,238 |
| Noncurrent loans to loans | 0.5074% | 6,006 |
| Net loans and leases to total assets | 52.4256% | 5,524 |
| Net loans and leases to deposits | 60.8453% | 5,635 |
| Net loans and leases to core deposits | 64.3193% | 5,691 |
| Total domestic deposits to total assets | 86.1621% | 3,426 |
| Equity capital to assets | 13.7817% | 1,075 |
| Core capital (leverage) ratio | 13.5874% | 943 |
| Tier 1 risk-based capital ratio | 31.6157% | 454 |
| Total risk-based capital ratio | 29.6041% | 601 |
| Memoranda: | ||
| Average total assets | $83,115,000 | 5,494 |
| Average earning assets | $80,467,000 | 5,346 |
| Average equity | $11,488,500 | 4,674 |
| Average total loans | $43,921,500 | 5,658 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 6,286 |
| Cost of funding earning assets | 2.9457% | 31 |
| Net interest margin | 1.5944% | 7,537 |
| Noninterest income to average assets | 0.0392% | 7,160 |
| Noninterest expense to average assets | 1.3311% | 7,512 |
| Loan and lease loss provision to assets | 0.0759% | 6,389 |
| Net operating income to assets | -0.1335% | 6,029 |
| Return on assets (ROA) | -0.1335% | 6,086 |
| Pretax return on assets | 0.1739% | 5,547 |
| Return on Equity (ROE) | -0.9438% | 6,060 |
| Retained earnings to average equity (ytd only) | -0.9438% | 5,795 |
| Net charge-offs to loans | 0.0209% | 6,604 |
| Credit loss provision to net charge-offs | 688.8889% | 306 |
| Earnings coverage of net charge-offs (x) | 22.6667% | 928 |
| Efficiency ratio | 84.1983% | 1,892 |
| Assets per employee ($millions) | 11.8059% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3941% | 7,428 |
| Loan loss allowance to noncurrent loans | 41.7874% | 5,526 |
| Noncurrent assets plus other real estate owned to assets | 0.5772% | 5,868 |
| Noncurrent loans to loans | 0.9432% | 5,159 |
| Net loans and leases to total assets | 52.9023% | 5,797 |
| Net loans and leases to deposits | 61.4428% | 5,901 |
| Net loans and leases to core deposits | 64.7248% | 5,999 |
| Total domestic deposits to total assets | 86.1001% | 3,309 |
| Equity capital to assets | 13.8636% | 1,080 |
| Core capital (leverage) ratio | 13.6609% | 940 |
| Tier 1 risk-based capital ratio | 31.7321% | 438 |
| Total risk-based capital ratio | 29.8248% | 559 |
| Memoranda: | ||
| Average total assets | $81,663,000 | 5,545 |
| Average earning assets | $78,962,800 | 5,387 |
| Average equity | $11,548,800 | 4,720 |
| Average total loans | $43,067,400 | 5,786 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5017% | 6,605 |
| Cost of funding earning assets | 2.9650% | 35 |
| Net interest margin | 1.5367% | 7,669 |
| Noninterest income to average assets | 0.0295% | 7,366 |
| Noninterest expense to average assets | 1.3215% | 7,629 |
| Loan and lease loss provision to assets | 0.0442% | 6,645 |
| Net operating income to assets | -0.1310% | 6,219 |
| Return on assets (ROA) | -0.1310% | 6,306 |
| Pretax return on assets | 0.1490% | 5,837 |
| Return on Equity (ROE) | -0.9217% | 6,271 |
| Retained earnings to average equity (ytd only) | -0.9217% | 6,002 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2432% | 1,510 |
| Assets per employee ($millions) | 11.8583% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3329% | 7,572 |
| Loan loss allowance to noncurrent loans | 11.1702% | 7,164 |
| Noncurrent assets plus other real estate owned to assets | 1.6384% | 3,981 |
| Noncurrent loans to loans | 2.9799% | 2,679 |
| Net loans and leases to total assets | 53.0250% | 5,981 |
| Net loans and leases to deposits | 61.6457% | 6,154 |
| Net loans and leases to core deposits | 64.9553% | 6,212 |
| Total domestic deposits to total assets | 86.0158% | 3,065 |
| Equity capital to assets | 13.9095% | 1,196 |
| Core capital (leverage) ratio | 13.6453% | 1,011 |
| Tier 1 risk-based capital ratio | 29.3027% | 552 |
| Total risk-based capital ratio | 29.7152% | 584 |
| Memoranda: | ||
| Average total assets | $81,418,500 | 5,621 |
| Average earning assets | $78,693,500 | 5,456 |
| Average equity | $11,571,750 | 4,789 |
| Average total loans | $42,861,250 | 5,881 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 6,539 |
| Cost of funding earning assets | 2.9780% | 40 |
| Net interest margin | 1.5914% | 7,728 |
| Noninterest income to average assets | 0.0717% | 7,224 |
| Noninterest expense to average assets | 1.3253% | 7,699 |
| Loan and lease loss provision to assets | 0.0668% | 6,284 |
| Net operating income to assets | -0.0148% | 6,099 |
| Return on assets (ROA) | -0.0148% | 6,197 |
| Pretax return on assets | 0.2176% | 5,733 |
| Return on Equity (ROE) | -0.1036% | 6,197 |
| Retained earnings to average equity (ytd only) | -0.1036% | 5,753 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3349% | 2,114 |
| Assets per employee ($millions) | 11.6684% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3397% | 7,640 |
| Loan loss allowance to noncurrent loans | 31.7495% | 6,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 6,059 |
| Noncurrent loans to loans | 1.0698% | 5,174 |
| Net loans and leases to total assets | 52.8055% | 6,131 |
| Net loans and leases to deposits | 61.5920% | 6,269 |
| Net loans and leases to core deposits | 64.9348% | 6,320 |
| Total domestic deposits to total assets | 85.7344% | 3,242 |
| Equity capital to assets | 14.2093% | 1,101 |
| Core capital (leverage) ratio | 13.9565% | 934 |
| Tier 1 risk-based capital ratio | 30.3063% | 495 |
| Total risk-based capital ratio | 30.7300% | 519 |
| Memoranda: | ||
| Average total assets | $80,888,670 | 5,671 |
| Average earning assets | $78,172,330 | 5,500 |
| Average equity | $11,580,330 | 4,786 |
| Average total loans | $42,427,670 | 5,937 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5690% | 6,639 |
| Cost of funding earning assets | 2.9842% | 49 |
| Net interest margin | 1.5847% | 7,815 |
| Noninterest income to average assets | 0.0745% | 7,332 |
| Noninterest expense to average assets | 1.3069% | 7,803 |
| Loan and lease loss provision to assets | 0.1342% | 5,217 |
| Net operating income to assets | 0.0149% | 6,249 |
| Return on assets (ROA) | 0.0149% | 6,357 |
| Pretax return on assets | 0.1640% | 5,986 |
| Return on Equity (ROE) | 0.1037% | 6,375 |
| Retained earnings to average equity (ytd only) | 0.1037% | 5,779 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4241% | 2,363 |
| Assets per employee ($millions) | 11.5646% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3426% | 7,727 |
| Loan loss allowance to noncurrent loans | 13.3822% | 7,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 4,494 |
| Noncurrent loans to loans | 2.5600% | 3,110 |
| Net loans and leases to total assets | 52.4657% | 6,220 |
| Net loans and leases to deposits | 61.2439% | 6,344 |
| Net loans and leases to core deposits | 61.7110% | 6,618 |
| Total domestic deposits to total assets | 85.6668% | 3,338 |
| Equity capital to assets | 14.2961% | 1,068 |
| Core capital (leverage) ratio | 14.0860% | 940 |
| Tier 1 risk-based capital ratio | 32.0675% | 435 |
| Total risk-based capital ratio | 32.4791% | 456 |
| Memoranda: | ||
| Average total assets | $80,493,500 | 5,754 |
| Average earning assets | $77,742,000 | 5,580 |
| Average equity | $11,567,500 | 4,826 |
| Average total loans | $42,002,500 | 6,025 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9046% | 6,703 |
| Cost of funding earning assets | 3.2316% | 112 |
| Net interest margin | 1.6730% | 7,838 |
| Noninterest income to average assets | 0.0402% | 7,546 |
| Noninterest expense to average assets | 1.2779% | 7,887 |
| Loan and lease loss provision to assets | 0.8968% | 2,509 |
| Net operating income to assets | -0.0713% | 5,629 |
| Return on assets (ROA) | -0.0713% | 5,647 |
| Pretax return on assets | -0.5054% | 6,013 |
| Return on Equity (ROE) | -0.4804% | 5,619 |
| Retained earnings to average equity (ytd only) | -0.4804% | 5,100 |
| Net charge-offs to loans | 0.0707% | 6,410 |
| Credit loss provision to net charge-offs | 2,471.4286% | 137 |
| Earnings coverage of net charge-offs (x) | 10.7857% | 1,647 |
| Efficiency ratio | 76.5528% | 3,428 |
| Assets per employee ($millions) | 11.4336% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2875% | 7,832 |
| Loan loss allowance to noncurrent loans | 21.1744% | 7,008 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 5,703 |
| Noncurrent loans to loans | 1.3579% | 4,652 |
| Net loans and leases to total assets | 51.5624% | 6,476 |
| Net loans and leases to deposits | 60.2813% | 6,613 |
| Net loans and leases to core deposits | 68.3754% | 6,858 |
| Total domestic deposits to total assets | 85.5363% | 3,274 |
| Equity capital to assets | 14.4462% | 1,040 |
| Core capital (leverage) ratio | 14.2426% | 941 |
| Tier 1 risk-based capital ratio | 32.7450% | 421 |
| Total risk-based capital ratio | 33.0876% | 438 |
| Memoranda: | ||
| Average total assets | $77,159,000 | 5,806 |
| Average earning assets | $75,133,400 | 5,634 |
| Average equity | $11,449,800 | 4,895 |
| Average total loans | $39,579,200 | 6,135 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9245% | 6,826 |
| Cost of funding earning assets | 3.2586% | 160 |
| Net interest margin | 1.6659% | 7,916 |
| Noninterest income to average assets | 0.0419% | 7,679 |
| Noninterest expense to average assets | 1.2419% | 7,981 |
| Loan and lease loss provision to assets | 1.2070% | 1,607 |
| Net operating income to assets | -0.1919% | 6,046 |
| Return on assets (ROA) | -0.1919% | 6,060 |
| Pretax return on assets | -0.7814% | 6,532 |
| Return on Equity (ROE) | -1.2840% | 5,984 |
| Retained earnings to average equity (ytd only) | -1.2840% | 5,553 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4770% | 3,790 |
| Assets per employee ($millions) | 11.3671% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3570% | 7,859 |
| Loan loss allowance to noncurrent loans | 22.8616% | 6,916 |
| Noncurrent assets plus other real estate owned to assets | 0.8596% | 5,368 |
| Noncurrent loans to loans | 1.5617% | 4,298 |
| Net loans and leases to total assets | 51.5609% | 6,649 |
| Net loans and leases to deposits | 60.3374% | 6,809 |
| Net loans and leases to core deposits | 84.1303% | 6,031 |
| Total domestic deposits to total assets | 85.4543% | 2,992 |
| Equity capital to assets | 14.4904% | 1,146 |
| Core capital (leverage) ratio | 14.2609% | 1,015 |
| Tier 1 risk-based capital ratio | 33.3481% | 427 |
| Total risk-based capital ratio | 33.7812% | 445 |
| Memoranda: | ||
| Average total assets | $76,440,000 | 5,863 |
| Average earning assets | $74,590,750 | 5,691 |
| Average equity | $11,421,750 | 4,941 |
| Average total loans | $39,127,250 | 6,193 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0083% | 6,741 |
| Cost of funding earning assets | 3.2918% | 211 |
| Net interest margin | 1.7165% | 7,963 |
| Noninterest income to average assets | 0.0424% | 7,773 |
| Noninterest expense to average assets | 1.2388% | 8,074 |
| Loan and lease loss provision to assets | 0.2997% | 4,165 |
| Net operating income to assets | 0.0716% | 5,641 |
| Return on assets (ROA) | 0.0716% | 5,738 |
| Pretax return on assets | 0.1804% | 5,513 |
| Return on Equity (ROE) | 0.4743% | 5,794 |
| Retained earnings to average equity (ytd only) | 0.4743% | 5,022 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0679% | 4,399 |
| Assets per employee ($millions) | 11.0249% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3193% | 7,975 |
| Loan loss allowance to noncurrent loans | 25.2988% | 6,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6505% | 5,787 |
| Noncurrent loans to loans | 1.2623% | 4,676 |
| Net loans and leases to total assets | 51.3670% | 6,750 |
| Net loans and leases to deposits | 60.3590% | 6,858 |
| Net loans and leases to core deposits | 84.8338% | 6,024 |
| Total domestic deposits to total assets | 85.1025% | 3,215 |
| Equity capital to assets | 14.8249% | 1,076 |
| Core capital (leverage) ratio | 14.8393% | 956 |
| Tier 1 risk-based capital ratio | 33.4072% | 462 |
| Total risk-based capital ratio | 33.7776% | 472 |
| Memoranda: | ||
| Average total assets | $75,396,670 | 5,937 |
| Average earning assets | $73,637,330 | 5,761 |
| Average equity | $11,385,670 | 4,981 |
| Average total loans | $38,445,000 | 6,275 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 6,677 |
| Cost of funding earning assets | 3.3366% | 242 |
| Net interest margin | 1.7535% | 7,989 |
| Noninterest income to average assets | 0.0429% | 7,870 |
| Noninterest expense to average assets | 1.2401% | 8,100 |
| Loan and lease loss provision to assets | 0.6066% | 2,079 |
| Net operating income to assets | -0.2899% | 6,667 |
| Return on assets (ROA) | -0.2899% | 6,744 |
| Pretax return on assets | -0.0913% | 6,469 |
| Return on Equity (ROE) | -1.9017% | 6,645 |
| Retained earnings to average equity (ytd only) | -1.9017% | 6,080 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6422% | 4,443 |
| Assets per employee ($millions) | 10.7674% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3300% | 8,011 |
| Loan loss allowance to noncurrent loans | 30.3103% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 5,807 |
| Noncurrent loans to loans | 1.0888% | 4,805 |
| Net loans and leases to total assets | 50.8863% | 6,776 |
| Net loans and leases to deposits | 59.9431% | 6,901 |
| Net loans and leases to core deposits | 83.1631% | 6,131 |
| Total domestic deposits to total assets | 84.8909% | 3,260 |
| Equity capital to assets | 15.0268% | 1,096 |
| Core capital (leverage) ratio | 15.0415% | 966 |
| Tier 1 risk-based capital ratio | 34.9215% | 438 |
| Total risk-based capital ratio | 35.3126% | 459 |
| Memoranda: | ||
| Average total assets | $74,508,000 | 5,986 |
| Average earning assets | $72,769,500 | 5,818 |
| Average equity | $11,358,000 | 5,013 |
| Average total loans | $37,783,000 | 6,343 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4758% | 7,351 |
| Cost of funding earning assets | 3.5422% | 466 |
| Net interest margin | 1.9335% | 8,103 |
| Noninterest income to average assets | 0.0443% | 7,917 |
| Noninterest expense to average assets | 1.2907% | 8,121 |
| Loan and lease loss provision to assets | 0.1870% | 5,019 |
| Net operating income to assets | 0.2091% | 5,820 |
| Return on assets (ROA) | 0.2091% | 5,641 |
| Pretax return on assets | 0.4542% | 5,110 |
| Return on Equity (ROE) | 1.3251% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.3251% | 4,421 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8100% | 4,942 |
| Assets per employee ($millions) | 10.5206% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3748% | 8,015 |
| Loan loss allowance to noncurrent loans | 27.6892% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 5,180 |
| Noncurrent loans to loans | 1.3536% | 3,812 |
| Net loans and leases to total assets | 50.1684% | 7,016 |
| Net loans and leases to deposits | 59.3624% | 7,132 |
| Net loans and leases to core deposits | 82.3181% | 6,430 |
| Total domestic deposits to total assets | 84.5120% | 3,073 |
| Equity capital to assets | 15.4663% | 1,058 |
| Core capital (leverage) ratio | 15.4709% | 926 |
| Tier 1 risk-based capital ratio | 37.3427% | 387 |
| Total risk-based capital ratio | 37.7982% | 401 |
| Memoranda: | ||
| Average total assets | $72,208,600 | 5,954 |
| Average earning assets | $70,492,400 | 5,803 |
| Average equity | $11,395,200 | 5,007 |
| Average total loans | $35,160,200 | 6,415 |