Home > Bank of Louisiana > Performance and Condition Ratios
Bank of Louisiana, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6841% | 948 |
| Cost of funding earning assets | 0.2580% | 4,407 |
| Net interest margin | 5.4261% | 202 |
| Noninterest income to average assets | 1.7000% | 324 |
| Noninterest expense to average assets | 4.9792% | 229 |
| Loan and lease loss provision to assets | 0.1100% | 1,180 |
| Net operating income to assets | 0.9736% | 2,297 |
| Return on assets (ROA) | 1.1087% | 1,867 |
| Pretax return on assets | 1.4572% | 1,516 |
| Return on Equity (ROE) | 10.4100% | 2,379 |
| Retained earnings to average equity (ytd only) | 10.0628% | 1,005 |
| Net charge-offs to loans | 0.1995% | 532 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 12.5784% | 2,142 |
| Efficiency ratio | 78.0871% | 1,062 |
| Assets per employee ($millions) | 2.6618% | 4,417 |
| Cash dividends to net income (ytd only)* | 3.3399% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5356% | 77 |
| Loan loss allowance to noncurrent loans | 144.4264% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 1.8704% | 163 |
| Noncurrent loans to loans | 2.4480% | 203 |
| Net loans and leases to total assets | 55.1300% | 3,269 |
| Net loans and leases to deposits | 62.8287% | 3,358 |
| Net loans and leases to core deposits | 63.8846% | 3,596 |
| Total domestic deposits to total assets | 87.7500% | 1,438 |
| Equity capital to assets | 11.6278% | 1,244 |
| Core capital (leverage) ratio | 11.4017% | 1,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2133% | 590 |
| Memoranda: | ||
| Average total assets | $91,821,800 | 3,900 |
| Average earning assets | $79,063,000 | 3,941 |
| Average equity | $9,778,600 | 3,743 |
| Average total loans | $51,121,200 | 3,827 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5850% | 920 |
| Cost of funding earning assets | 0.2235% | 4,419 |
| Net interest margin | 5.3615% | 208 |
| Noninterest income to average assets | 2.0700% | 274 |
| Noninterest expense to average assets | 4.8467% | 237 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 1.3488% | 1,426 |
| Return on assets (ROA) | 1.5270% | 1,056 |
| Pretax return on assets | 1.9551% | 798 |
| Return on Equity (ROE) | 14.6600% | 1,514 |
| Retained earnings to average equity (ytd only) | 14.1882% | 651 |
| Net charge-offs to loans | 0.1947% | 452 |
| Credit loss provision to net charge-offs | 100.0000% | 1,617 |
| Earnings coverage of net charge-offs (x) | 17.0533% | 1,912 |
| Efficiency ratio | 72.5124% | 1,515 |
| Assets per employee ($millions) | 2.6718% | 4,435 |
| Cash dividends to net income (ytd only)* | 3.1985% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5668% | 75 |
| Loan loss allowance to noncurrent loans | 90.0450% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 2.6472% | 87 |
| Noncurrent loans to loans | 3.9611% | 77 |
| Net loans and leases to total assets | 55.2000% | 3,272 |
| Net loans and leases to deposits | 62.9012% | 3,339 |
| Net loans and leases to core deposits | 63.9492% | 3,526 |
| Total domestic deposits to total assets | 87.7500% | 1,654 |
| Equity capital to assets | 11.5028% | 1,179 |
| Core capital (leverage) ratio | 11.2314% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9140% | 632 |
| Memoranda: | ||
| Average total assets | $92,817,000 | 3,902 |
| Average earning assets | $79,950,750 | 3,946 |
| Average equity | $9,669,750 | 3,756 |
| Average total loans | $51,350,500 | 3,839 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4202% | 935 |
| Cost of funding earning assets | 0.1893% | 4,441 |
| Net interest margin | 5.2309% | 231 |
| Noninterest income to average assets | 2.8300% | 182 |
| Noninterest expense to average assets | 4.6723% | 245 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 1.9515% | 500 |
| Return on assets (ROA) | 2.2143% | 341 |
| Pretax return on assets | 2.8776% | 229 |
| Return on Equity (ROE) | 21.7000% | 566 |
| Retained earnings to average equity (ytd only) | 20.9983% | 218 |
| Net charge-offs to loans | 0.2169% | 374 |
| Credit loss provision to net charge-offs | 100.0000% | 1,438 |
| Earnings coverage of net charge-offs (x) | 22.4464% | 1,700 |
| Efficiency ratio | 63.6915% | 2,524 |
| Assets per employee ($millions) | 3.2512% | 4,396 |
| Cash dividends to net income (ytd only)* | 3.2536% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4066% | 98 |
| Loan loss allowance to noncurrent loans | 89.4188% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 3.0341% | 64 |
| Noncurrent loans to loans | 3.8097% | 95 |
| Net loans and leases to total assets | 56.0700% | 3,118 |
| Net loans and leases to deposits | 63.6127% | 3,222 |
| Net loans and leases to core deposits | 64.6235% | 3,410 |
| Total domestic deposits to total assets | 88.1400% | 1,555 |
| Equity capital to assets | 11.1223% | 1,335 |
| Core capital (leverage) ratio | 10.7938% | 2,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6568% | 747 |
| Memoranda: | ||
| Average total assets | $94,385,667 | 3,904 |
| Average earning assets | $81,363,000 | 3,945 |
| Average equity | $9,629,333 | 3,783 |
| Average total loans | $51,645,333 | 3,837 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2147% | 939 |
| Cost of funding earning assets | 0.1447% | 4,469 |
| Net interest margin | 5.0700% | 269 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 4.3763% | 295 |
| Loan and lease loss provision to assets | 0.1700% | 639 |
| Net operating income to assets | 0.2914% | 4,261 |
| Return on assets (ROA) | 0.8078% | 3,125 |
| Pretax return on assets | 1.0243% | 2,921 |
| Return on Equity (ROE) | 8.2700% | 3,226 |
| Retained earnings to average equity (ytd only) | 8.2716% | 2,146 |
| Net charge-offs to loans | 0.3213% | 248 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 3.1707% | 1,896 |
| Efficiency ratio | 88.9924% | 389 |
| Assets per employee ($millions) | 3.4431% | 4,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4041% | 97 |
| Loan loss allowance to noncurrent loans | 80.8989% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 3.2066% | 47 |
| Noncurrent loans to loans | 4.2079% | 82 |
| Net loans and leases to total assets | 54.9400% | 3,125 |
| Net loans and leases to deposits | 61.5838% | 3,254 |
| Net loans and leases to core deposits | 61.5838% | 3,467 |
| Total domestic deposits to total assets | 89.2200% | 1,461 |
| Equity capital to assets | 10.2329% | 1,706 |
| Core capital (leverage) ratio | 9.6557% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1176% | 980 |
| Memoranda: | ||
| Average total assets | $96,062,000 | 3,940 |
| Average earning assets | $82,919,000 | 3,981 |
| Average equity | $9,381,500 | 3,852 |
| Average total loans | $51,048,500 | 3,891 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 1,338 |
| Cost of funding earning assets | 0.1499% | 4,123 |
| Net interest margin | 4.0057% | 782 |
| Noninterest income to average assets | 1.6100% | 321 |
| Noninterest expense to average assets | 4.2460% | 283 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.6739% | 3,689 |
| Return on assets (ROA) | 0.6114% | 3,803 |
| Pretax return on assets | 0.7765% | 3,678 |
| Return on Equity (ROE) | 6.9600% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.5724% | 2,418 |
| Net charge-offs to loans | 0.0287% | 1,490 |
| Credit loss provision to net charge-offs | 100.0000% | 1,554 |
| Earnings coverage of net charge-offs (x) | 66.7692% | 1,183 |
| Efficiency ratio | 83.0170% | 540 |
| Assets per employee ($millions) | 3.6726% | 4,395 |
| Cash dividends to net income (ytd only)* | 5.5646% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6570% | 74 |
| Loan loss allowance to noncurrent loans | 85.1466% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 2.8953% | 53 |
| Noncurrent loans to loans | 4.2950% | 80 |
| Net loans and leases to total assets | 47.8200% | 3,680 |
| Net loans and leases to deposits | 53.0259% | 3,735 |
| Net loans and leases to core deposits | 53.0259% | 3,867 |
| Total domestic deposits to total assets | 90.1900% | 1,276 |
| Equity capital to assets | 9.3285% | 2,128 |
| Core capital (leverage) ratio | 9.2036% | 3,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6632% | 1,441 |
| Memoranda: | ||
| Average total assets | $99,929,400 | 3,930 |
| Average earning assets | $87,401,400 | 3,955 |
| Average equity | $8,779,200 | 4,012 |
| Average total loans | $45,265,400 | 3,971 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 1,578 |
| Cost of funding earning assets | 0.1488% | 3,854 |
| Net interest margin | 3.7127% | 1,104 |
| Noninterest income to average assets | 2.0600% | 263 |
| Noninterest expense to average assets | 4.1801% | 294 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.8881% | 2,921 |
| Return on assets (ROA) | 0.3715% | 4,231 |
| Pretax return on assets | 0.4674% | 4,190 |
| Return on Equity (ROE) | 4.2900% | 4,104 |
| Retained earnings to average equity (ytd only) | 3.7714% | 3,525 |
| Net charge-offs to loans | 0.0271% | 1,282 |
| Credit loss provision to net charge-offs | 100.0000% | 1,321 |
| Earnings coverage of net charge-offs (x) | 94.5556% | 971 |
| Efficiency ratio | 78.6717% | 860 |
| Assets per employee ($millions) | 3.6934% | 4,432 |
| Cash dividends to net income (ytd only)* | 12.1864% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8592% | 74 |
| Loan loss allowance to noncurrent loans | 64.7017% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 3.4806% | 35 |
| Noncurrent loans to loans | 5.9646% | 38 |
| Net loans and leases to total assets | 44.9700% | 3,820 |
| Net loans and leases to deposits | 49.5552% | 3,885 |
| Net loans and leases to core deposits | 49.5552% | 3,976 |
| Total domestic deposits to total assets | 90.7400% | 1,337 |
| Equity capital to assets | 8.8966% | 2,286 |
| Core capital (leverage) ratio | 8.6549% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9360% | 1,190 |
| Memoranda: | ||
| Average total assets | $100,122,000 | 3,952 |
| Average earning assets | $87,804,500 | 3,977 |
| Average equity | $8,661,500 | 4,071 |
| Average total loans | $44,276,750 | 4,014 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 1,777 |
| Cost of funding earning assets | 0.1498% | 3,580 |
| Net interest margin | 3.4698% | 1,392 |
| Noninterest income to average assets | 0.6703% | 1,461 |
| Noninterest expense to average assets | 3.8502% | 309 |
| Loan and lease loss provision to assets | 0.0279% | 2,087 |
| Net operating income to assets | -0.1415% | 4,627 |
| Return on assets (ROA) | -0.8059% | 4,693 |
| Pretax return on assets | -0.8877% | 4,695 |
| Return on Equity (ROE) | -9.4048% | 4,722 |
| Retained earnings to average equity (ytd only) | -10.1963% | 4,662 |
| Net charge-offs to loans | 0.0690% | 748 |
| Credit loss provision to net charge-offs | 93.3333% | 1,329 |
| Earnings coverage of net charge-offs (x) | -4.3333% | 2,124 |
| Efficiency ratio | 103.4853% | 153 |
| Assets per employee ($millions) | 3.6723% | 4,503 |
| Cash dividends to net income (ytd only)* | -8.4158% | 4,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0416% | 65 |
| Loan loss allowance to noncurrent loans | 107.3986% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 2.7423% | 73 |
| Noncurrent loans to loans | 3.7632% | 102 |
| Net loans and leases to total assets | 43.1025% | 3,898 |
| Net loans and leases to deposits | 47.3498% | 3,961 |
| Net loans and leases to core deposits | 47.3498% | 4,063 |
| Total domestic deposits to total assets | 91.0299% | 1,226 |
| Equity capital to assets | 8.3700% | 2,857 |
| Core capital (leverage) ratio | 7.8550% | 4,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0194% | 1,699 |
| Memoranda: | ||
| Average total assets | $100,255,000 | 3,989 |
| Average earning assets | $88,131,667 | 4,028 |
| Average equity | $8,591,333 | 4,142 |
| Average total loans | $43,488,333 | 4,080 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3943% | 2,104 |
| Cost of funding earning assets | 0.1437% | 3,581 |
| Net interest margin | 3.2506% | 1,717 |
| Noninterest income to average assets | 0.6627% | 1,441 |
| Noninterest expense to average assets | 4.2537% | 233 |
| Loan and lease loss provision to assets | 0.0714% | 1,153 |
| Net operating income to assets | -0.6714% | 4,722 |
| Return on assets (ROA) | -0.6984% | 4,718 |
| Pretax return on assets | -0.8214% | 4,716 |
| Return on Equity (ROE) | -8.0572% | 4,731 |
| Retained earnings to average equity (ytd only) | -9.6137% | 4,553 |
| Net charge-offs to loans | 0.1676% | 354 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | -10.0556% | 1,813 |
| Efficiency ratio | 120.3143% | 86 |
| Assets per employee ($millions) | 3.1318% | 4,637 |
| Cash dividends to net income (ytd only)* | -19.3182% | 4,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2552% | 64 |
| Loan loss allowance to noncurrent loans | 46.7897% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 5.2236% | 18 |
| Noncurrent loans to loans | 9.0943% | 19 |
| Net loans and leases to total assets | 40.4129% | 3,983 |
| Net loans and leases to deposits | 44.3555% | 4,046 |
| Net loans and leases to core deposits | 44.3555% | 4,142 |
| Total domestic deposits to total assets | 91.1114% | 975 |
| Equity capital to assets | 8.5264% | 3,135 |
| Core capital (leverage) ratio | 8.0172% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8771% | 1,294 |
| Memoranda: | ||
| Average total assets | $100,806,500 | 3,997 |
| Average earning assets | $89,091,000 | 4,030 |
| Average equity | $8,737,500 | 4,181 |
| Average total loans | $42,964,000 | 4,103 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2743% | 3,285 |
| Cost of funding earning assets | 0.1735% | 3,737 |
| Net interest margin | 3.1008% | 2,899 |
| Noninterest income to average assets | 5.1679% | 105 |
| Noninterest expense to average assets | 6.7088% | 109 |
| Loan and lease loss provision to assets | 0.0528% | 2,004 |
| Net operating income to assets | 1.0175% | 2,602 |
| Return on assets (ROA) | 1.1465% | 2,176 |
| Pretax return on assets | 1.3071% | 2,333 |
| Return on Equity (ROE) | 13.4694% | 1,322 |
| Retained earnings to average equity (ytd only) | 13.4694% | 351 |
| Net charge-offs to loans | 0.1135% | 786 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 22.9796% | 1,787 |
| Efficiency ratio | 84.6844% | 537 |
| Assets per employee ($millions) | 3.2708% | 4,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1259% | 61 |
| Loan loss allowance to noncurrent loans | 59.6817% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 4.4963% | 34 |
| Noncurrent loans to loans | 6.9132% | 37 |
| Net loans and leases to total assets | 41.2515% | 4,015 |
| Net loans and leases to deposits | 45.4696% | 4,121 |
| Net loans and leases to core deposits | 45.4696% | 4,207 |
| Total domestic deposits to total assets | 90.7234% | 615 |
| Equity capital to assets | 8.8071% | 3,799 |
| Core capital (leverage) ratio | 8.3569% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8736% | 1,556 |
| Memoranda: | ||
| Average total assets | $92,803,400 | 4,073 |
| Average earning assets | $82,430,600 | 4,097 |
| Average equity | $7,899,400 | 4,337 |
| Average total loans | $43,154,000 | 4,126 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1864% | 3,628 |
| Cost of funding earning assets | 0.1808% | 3,814 |
| Net interest margin | 3.0056% | 3,285 |
| Noninterest income to average assets | 0.9986% | 1,072 |
| Noninterest expense to average assets | 5.0887% | 173 |
| Loan and lease loss provision to assets | 0.0485% | 2,030 |
| Net operating income to assets | -1.1475% | 4,869 |
| Return on assets (ROA) | -1.1986% | 4,872 |
| Pretax return on assets | -1.5134% | 4,878 |
| Return on Equity (ROE) | -14.2198% | 4,892 |
| Retained earnings to average equity (ytd only) | -14.2198% | 4,867 |
| Net charge-offs to loans | 0.1022% | 731 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | -28.8485% | 2,446 |
| Efficiency ratio | 137.9585% | 46 |
| Assets per employee ($millions) | 2.5277% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0982% | 64 |
| Loan loss allowance to noncurrent loans | 63.8978% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 4.9087% | 31 |
| Noncurrent loans to loans | 6.4136% | 52 |
| Net loans and leases to total assets | 43.8524% | 3,961 |
| Net loans and leases to deposits | 48.4072% | 4,093 |
| Net loans and leases to core deposits | 48.4072% | 4,218 |
| Total domestic deposits to total assets | 90.5907% | 513 |
| Equity capital to assets | 7.3948% | 4,735 |
| Core capital (leverage) ratio | 6.4485% | 4,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0964% | 2,948 |
| Memoranda: | ||
| Average total assets | $90,655,500 | 4,141 |
| Average earning assets | $81,134,250 | 4,166 |
| Average equity | $7,641,750 | 4,426 |
| Average total loans | $43,035,750 | 4,185 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2361% | 3,597 |
| Cost of funding earning assets | 0.1862% | 3,890 |
| Net interest margin | 3.0499% | 3,178 |
| Noninterest income to average assets | 1.2740% | 716 |
| Noninterest expense to average assets | 5.3322% | 158 |
| Loan and lease loss provision to assets | 0.0135% | 2,684 |
| Net operating income to assets | -1.0634% | 4,901 |
| Return on assets (ROA) | -0.7540% | 4,890 |
| Pretax return on assets | -0.9521% | 4,893 |
| Return on Equity (ROE) | -8.5663% | 4,905 |
| Retained earnings to average equity (ytd only) | -8.5663% | 4,850 |
| Net charge-offs to loans | 0.0281% | 1,388 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | -98.5000% | 2,237 |
| Efficiency ratio | 133.2396% | 51 |
| Assets per employee ($millions) | 2.4260% | 4,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2574% | 58 |
| Loan loss allowance to noncurrent loans | 67.3905% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 4.7729% | 38 |
| Noncurrent loans to loans | 6.3176% | 56 |
| Net loans and leases to total assets | 43.9092% | 4,048 |
| Net loans and leases to deposits | 48.1194% | 4,207 |
| Net loans and leases to core deposits | 48.4210% | 4,306 |
| Total domestic deposits to total assets | 91.2505% | 296 |
| Equity capital to assets | 8.2549% | 4,392 |
| Core capital (leverage) ratio | 7.2132% | 4,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9444% | 2,384 |
| Memoranda: | ||
| Average total assets | $88,856,000 | 4,187 |
| Average earning assets | $79,479,000 | 4,215 |
| Average equity | $7,821,333 | 4,431 |
| Average total loans | $42,740,333 | 4,219 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3129% | 3,415 |
| Cost of funding earning assets | 0.1912% | 3,998 |
| Net interest margin | 3.1217% | 2,923 |
| Noninterest income to average assets | 1.7617% | 463 |
| Noninterest expense to average assets | 5.1199% | 170 |
| Loan and lease loss provision to assets | 0.0459% | 2,161 |
| Net operating income to assets | -0.5005% | 4,894 |
| Return on assets (ROA) | -0.1743% | 4,833 |
| Pretax return on assets | -0.2202% | 4,841 |
| Return on Equity (ROE) | -1.9175% | 4,854 |
| Retained earnings to average equity (ytd only) | -1.9175% | 4,533 |
| Net charge-offs to loans | 0.0931% | 721 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | -12.8000% | 1,920 |
| Efficiency ratio | 112.9555% | 97 |
| Assets per employee ($millions) | 2.1089% | 4,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2858% | 64 |
| Loan loss allowance to noncurrent loans | 65.6216% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 6.1182% | 22 |
| Noncurrent loans to loans | 6.5311% | 52 |
| Net loans and leases to total assets | 45.3857% | 4,011 |
| Net loans and leases to deposits | 50.0187% | 4,153 |
| Net loans and leases to core deposits | 50.3450% | 4,284 |
| Total domestic deposits to total assets | 90.7375% | 498 |
| Equity capital to assets | 8.9283% | 3,753 |
| Core capital (leverage) ratio | 8.2350% | 4,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4767% | 2,095 |
| Memoranda: | ||
| Average total assets | $87,190,000 | 4,223 |
| Average earning assets | $77,393,500 | 4,259 |
| Average equity | $7,927,000 | 4,438 |
| Average total loans | $42,971,000 | 4,235 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8937% | 3,043 |
| Cost of funding earning assets | 0.2504% | 4,373 |
| Net interest margin | 3.6433% | 2,000 |
| Noninterest income to average assets | 2.3279% | 269 |
| Noninterest expense to average assets | 6.1391% | 124 |
| Loan and lease loss provision to assets | 0.0521% | 3,725 |
| Net operating income to assets | -0.5794% | 4,891 |
| Return on assets (ROA) | -0.0145% | 4,776 |
| Pretax return on assets | -0.0630% | 4,786 |
| Return on Equity (ROE) | -0.1584% | 4,778 |
| Retained earnings to average equity (ytd only) | -0.1584% | 4,544 |
| Net charge-offs to loans | 0.0946% | 1,513 |
| Credit loss provision to net charge-offs | 100.0000% | 2,816 |
| Earnings coverage of net charge-offs (x) | -13.9302% | 3,413 |
| Efficiency ratio | 113.4094% | 104 |
| Assets per employee ($millions) | 2.0430% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0962% | 66 |
| Loan loss allowance to noncurrent loans | 68.7023% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 7.1648% | 16 |
| Noncurrent loans to loans | 5.9623% | 54 |
| Net loans and leases to total assets | 49.1131% | 3,898 |
| Net loans and leases to deposits | 54.3795% | 4,093 |
| Net loans and leases to core deposits | 54.7454% | 4,222 |
| Total domestic deposits to total assets | 90.3156% | 445 |
| Equity capital to assets | 9.2602% | 3,833 |
| Core capital (leverage) ratio | 8.4093% | 4,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1389% | 2,572 |
| Memoranda: | ||
| Average total assets | $82,519,800 | 4,215 |
| Average earning assets | $69,882,200 | 4,296 |
| Average equity | $7,577,600 | 4,470 |
| Average total loans | $45,455,800 | 4,196 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 1,885 |
| Cost of funding earning assets | 0.2687% | 4,437 |
| Net interest margin | 4.1183% | 867 |
| Noninterest income to average assets | 1.6630% | 428 |
| Noninterest expense to average assets | 6.4823% | 116 |
| Loan and lease loss provision to assets | 0.0551% | 3,663 |
| Net operating income to assets | -1.1000% | 4,951 |
| Return on assets (ROA) | -0.5353% | 4,903 |
| Pretax return on assets | -0.7083% | 4,916 |
| Return on Equity (ROE) | -5.8423% | 4,924 |
| Retained earnings to average equity (ytd only) | -5.8423% | 4,863 |
| Net charge-offs to loans | 0.0989% | 1,320 |
| Credit loss provision to net charge-offs | 100.0000% | 2,620 |
| Earnings coverage of net charge-offs (x) | -24.6471% | 3,218 |
| Efficiency ratio | 126.7390% | 65 |
| Assets per employee ($millions) | 1.9606% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0498% | 62 |
| Loan loss allowance to noncurrent loans | 61.4544% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 9.3139% | 16 |
| Noncurrent loans to loans | 6.5899% | 61 |
| Net loans and leases to total assets | 50.5872% | 4,066 |
| Net loans and leases to deposits | 55.9635% | 4,263 |
| Net loans and leases to core deposits | 56.3443% | 4,372 |
| Total domestic deposits to total assets | 90.3931% | 310 |
| Equity capital to assets | 9.0494% | 4,078 |
| Core capital (leverage) ratio | 7.7907% | 4,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2733% | 3,116 |
| Memoranda: | ||
| Average total assets | $81,697,750 | 4,235 |
| Average earning assets | $68,473,500 | 4,328 |
| Average equity | $7,485,500 | 4,503 |
| Average total loans | $45,834,000 | 4,212 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 1,572 |
| Cost of funding earning assets | 0.2798% | 4,534 |
| Net interest margin | 4.3583% | 662 |
| Noninterest income to average assets | 1.6133% | 401 |
| Noninterest expense to average assets | 6.7402% | 114 |
| Loan and lease loss provision to assets | 0.0668% | 3,461 |
| Net operating income to assets | -1.2040% | 4,976 |
| Return on assets (ROA) | -1.2842% | 4,986 |
| Pretax return on assets | -1.6727% | 4,993 |
| Return on Equity (ROE) | -13.9560% | 5,009 |
| Retained earnings to average equity (ytd only) | -13.9560% | 4,970 |
| Net charge-offs to loans | 0.1166% | 1,148 |
| Credit loss provision to net charge-offs | 100.0000% | 2,394 |
| Earnings coverage of net charge-offs (x) | -22.5185% | 3,003 |
| Efficiency ratio | 128.7335% | 67 |
| Assets per employee ($millions) | 1.9875% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9566% | 67 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 9.3117% | 17 |
| Noncurrent loans to loans | 4.6160% | 128 |
| Net loans and leases to total assets | 51.1268% | 4,086 |
| Net loans and leases to deposits | 56.3278% | 4,282 |
| Net loans and leases to core deposits | 57.6704% | 4,367 |
| Total domestic deposits to total assets | 90.7667% | 207 |
| Equity capital to assets | 8.7033% | 4,349 |
| Core capital (leverage) ratio | 7.8528% | 4,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1404% | 3,201 |
| Memoranda: | ||
| Average total assets | $80,829,000 | 4,243 |
| Average earning assets | $67,182,667 | 4,354 |
| Average equity | $7,437,667 | 4,523 |
| Average total loans | $46,296,333 | 4,208 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0441% | 888 |
| Cost of funding earning assets | 0.2960% | 4,670 |
| Net interest margin | 4.7481% | 300 |
| Noninterest income to average assets | 0.9374% | 987 |
| Noninterest expense to average assets | 7.2957% | 109 |
| Loan and lease loss provision to assets | 0.0306% | 3,392 |
| Net operating income to assets | -1.9539% | 5,050 |
| Return on assets (ROA) | -5.2985% | 5,088 |
| Pretax return on assets | -6.6996% | 5,093 |
| Return on Equity (ROE) | -55.9328% | 5,105 |
| Retained earnings to average equity (ytd only) | -55.9328% | 5,091 |
| Net charge-offs to loans | 0.0514% | 1,496 |
| Credit loss provision to net charge-offs | 100.0000% | 1,808 |
| Earnings coverage of net charge-offs (x) | -79.6667% | 2,568 |
| Efficiency ratio | 150.1048% | 57 |
| Assets per employee ($millions) | 1.7084% | 5,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8848% | 81 |
| Loan loss allowance to noncurrent loans | 77.5194% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 10.7333% | 19 |
| Noncurrent loans to loans | 5.0114% | 121 |
| Net loans and leases to total assets | 56.6684% | 3,783 |
| Net loans and leases to deposits | 62.4434% | 4,077 |
| Net loans and leases to core deposits | 64.0583% | 4,164 |
| Total domestic deposits to total assets | 90.7517% | 139 |
| Equity capital to assets | 8.8017% | 4,691 |
| Core capital (leverage) ratio | 7.3833% | 5,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4393% | 3,380 |
| Memoranda: | ||
| Average total assets | $78,512,500 | 4,284 |
| Average earning assets | $64,868,500 | 4,401 |
| Average equity | $7,437,500 | 4,556 |
| Average total loans | $46,697,500 | 4,218 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3562% | 736 |
| Cost of funding earning assets | 0.3079% | 4,712 |
| Net interest margin | 5.0484% | 242 |
| Noninterest income to average assets | 1.3954% | 487 |
| Noninterest expense to average assets | 7.6388% | 95 |
| Loan and lease loss provision to assets | 0.2432% | 771 |
| Net operating income to assets | -1.8877% | 5,128 |
| Return on assets (ROA) | 1.9263% | 427 |
| Pretax return on assets | 2.4330% | 236 |
| Return on Equity (ROE) | 18.9172% | 275 |
| Retained earnings to average equity (ytd only) | 18.9172% | 39 |
| Net charge-offs to loans | 0.4124% | 472 |
| Credit loss provision to net charge-offs | 100.0000% | 2,460 |
| Earnings coverage of net charge-offs (x) | -8.8482% | 3,691 |
| Efficiency ratio | 139.2111% | 50 |
| Assets per employee ($millions) | 1.6689% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8248% | 68 |
| Loan loss allowance to noncurrent loans | 83.7989% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 11.0865% | 11 |
| Noncurrent loans to loans | 4.5643% | 121 |
| Net loans and leases to total assets | 57.7029% | 3,790 |
| Net loans and leases to deposits | 64.5709% | 4,037 |
| Net loans and leases to core deposits | 66.2641% | 4,178 |
| Total domestic deposits to total assets | 89.3636% | 541 |
| Equity capital to assets | 10.1456% | 3,795 |
| Core capital (leverage) ratio | 9.1482% | 4,406 |
| Tier 1 risk-based capital ratio | 10.8271% | 4,918 |
| Total risk-based capital ratio | 12.0960% | 4,816 |
| Memoranda: | ||
| Average total assets | $78,546,000 | 4,313 |
| Average earning assets | $63,664,200 | 4,441 |
| Average equity | $7,998,000 | 4,509 |
| Average total loans | $46,310,400 | 4,253 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3654% | 754 |
| Cost of funding earning assets | 0.3092% | 4,773 |
| Net interest margin | 5.0563% | 256 |
| Noninterest income to average assets | 2.2382% | 223 |
| Noninterest expense to average assets | 7.6886% | 97 |
| Loan and lease loss provision to assets | 0.2851% | 523 |
| Net operating income to assets | -1.3256% | 5,193 |
| Return on assets (ROA) | 3.3497% | 69 |
| Pretax return on assets | 4.1879% | 59 |
| Return on Equity (ROE) | 32.8663% | 27 |
| Retained earnings to average equity (ytd only) | 32.8663% | 8 |
| Net charge-offs to loans | 0.4856% | 351 |
| Credit loss provision to net charge-offs | 100.0000% | 2,246 |
| Earnings coverage of net charge-offs (x) | -4.8096% | 3,420 |
| Efficiency ratio | 121.7029% | 77 |
| Assets per employee ($millions) | 1.5173% | 5,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8736% | 70 |
| Loan loss allowance to noncurrent loans | 85.7551% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 12.3608% | 11 |
| Noncurrent loans to loans | 4.5171% | 126 |
| Net loans and leases to total assets | 57.7240% | 3,904 |
| Net loans and leases to deposits | 65.2707% | 4,113 |
| Net loans and leases to core deposits | 67.0177% | 4,217 |
| Total domestic deposits to total assets | 88.4379% | 853 |
| Equity capital to assets | 10.8798% | 3,221 |
| Core capital (leverage) ratio | 9.8439% | 3,793 |
| Tier 1 risk-based capital ratio | 12.0184% | 4,409 |
| Total risk-based capital ratio | 13.2885% | 4,290 |
| Memoranda: | ||
| Average total assets | $78,573,000 | 4,365 |
| Average earning assets | $63,391,750 | 4,501 |
| Average equity | $8,008,000 | 4,556 |
| Average total loans | $46,122,750 | 4,311 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3504% | 736 |
| Cost of funding earning assets | 0.3114% | 4,799 |
| Net interest margin | 5.0390% | 269 |
| Noninterest income to average assets | 2.4136% | 207 |
| Noninterest expense to average assets | 7.6865% | 96 |
| Loan and lease loss provision to assets | 0.3976% | 304 |
| Net operating income to assets | -1.3033% | 5,237 |
| Return on assets (ROA) | 5.4578% | 33 |
| Pretax return on assets | 6.8380% | 33 |
| Return on Equity (ROE) | 54.7580% | 7 |
| Retained earnings to average equity (ytd only) | 54.7580% | 2 |
| Net charge-offs to loans | 0.6825% | 223 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | -3.0573% | 3,134 |
| Efficiency ratio | 118.7867% | 77 |
| Assets per employee ($millions) | 1.6092% | 5,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9622% | 64 |
| Loan loss allowance to noncurrent loans | 76.3035% | 3,722 |
| Noncurrent assets plus other real estate owned to assets | 13.4202% | 8 |
| Noncurrent loans to loans | 5.1927% | 95 |
| Net loans and leases to total assets | 55.3309% | 4,118 |
| Net loans and leases to deposits | 62.5434% | 4,305 |
| Net loans and leases to core deposits | 64.4275% | 4,397 |
| Total domestic deposits to total assets | 88.4681% | 886 |
| Equity capital to assets | 10.9054% | 3,172 |
| Core capital (leverage) ratio | 9.9687% | 3,611 |
| Tier 1 risk-based capital ratio | 11.9413% | 4,453 |
| Total risk-based capital ratio | 13.2101% | 4,326 |
| Memoranda: | ||
| Average total assets | $78,970,000 | 4,390 |
| Average earning assets | $63,583,670 | 4,532 |
| Average equity | $7,871,000 | 4,601 |
| Average total loans | $46,007,670 | 4,344 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3389% | 706 |
| Cost of funding earning assets | 0.3207% | 4,776 |
| Net interest margin | 5.0182% | 276 |
| Noninterest income to average assets | 2.1966% | 216 |
| Noninterest expense to average assets | 7.3390% | 97 |
| Loan and lease loss provision to assets | 0.2429% | 603 |
| Net operating income to assets | -1.0641% | 5,288 |
| Return on assets (ROA) | 10.7555% | 19 |
| Pretax return on assets | 13.6152% | 19 |
| Return on Equity (ROE) | 113.2277% | 2 |
| Retained earnings to average equity (ytd only) | 113.2277% | 1 |
| Net charge-offs to loans | 0.4147% | 371 |
| Credit loss provision to net charge-offs | 100.0000% | 1,575 |
| Earnings coverage of net charge-offs (x) | -4.5417% | 2,710 |
| Efficiency ratio | 117.6948% | 81 |
| Assets per employee ($millions) | 1.6220% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9252% | 64 |
| Loan loss allowance to noncurrent loans | 45.0789% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 15.2355% | 6 |
| Noncurrent loans to loans | 8.7073% | 34 |
| Net loans and leases to total assets | 55.4335% | 4,104 |
| Net loans and leases to deposits | 62.5034% | 4,271 |
| Net loans and leases to core deposits | 64.3605% | 4,360 |
| Total domestic deposits to total assets | 88.6888% | 1,001 |
| Equity capital to assets | 10.7827% | 3,062 |
| Core capital (leverage) ratio | 10.0403% | 3,564 |
| Tier 1 risk-based capital ratio | 11.9852% | 4,470 |
| Total risk-based capital ratio | 13.2540% | 4,348 |
| Memoranda: | ||
| Average total assets | $79,029,500 | 4,430 |
| Average earning assets | $63,609,000 | 4,585 |
| Average equity | $7,507,000 | 4,680 |
| Average total loans | $46,297,000 | 4,380 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1317% | 793 |
| Cost of funding earning assets | 0.3698% | 4,160 |
| Net interest margin | 4.7619% | 430 |
| Noninterest income to average assets | 2.4836% | 199 |
| Noninterest expense to average assets | 7.7070% | 93 |
| Loan and lease loss provision to assets | 0.0850% | 2,433 |
| Net operating income to assets | -1.1974% | 5,345 |
| Return on assets (ROA) | -1.1974% | 5,342 |
| Pretax return on assets | -1.4936% | 5,355 |
| Return on Equity (ROE) | -13.8172% | 5,369 |
| Retained earnings to average equity (ytd only) | -13.8172% | 5,354 |
| Net charge-offs to loans | 0.1513% | 1,268 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | -16.5735% | 3,763 |
| Efficiency ratio | 122.3655% | 54 |
| Assets per employee ($millions) | 1.6037% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8514% | 64 |
| Loan loss allowance to noncurrent loans | 53.2544% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 14.3904% | 6 |
| Noncurrent loans to loans | 7.2321% | 50 |
| Net loans and leases to total assets | 57.1850% | 4,029 |
| Net loans and leases to deposits | 62.6827% | 4,331 |
| Net loans and leases to core deposits | 64.5076% | 4,432 |
| Total domestic deposits to total assets | 91.2293% | 160 |
| Equity capital to assets | 8.2006% | 5,083 |
| Core capital (leverage) ratio | 6.7007% | 5,368 |
| Tier 1 risk-based capital ratio | 8.9598% | 5,383 |
| Total risk-based capital ratio | 10.2331% | 5,378 |
| Memoranda: | ||
| Average total assets | $80,005,400 | 4,431 |
| Average earning assets | $64,092,200 | 4,589 |
| Average equity | $6,933,400 | 4,756 |
| Average total loans | $44,940,400 | 4,436 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0278% | 888 |
| Cost of funding earning assets | 0.3813% | 3,987 |
| Net interest margin | 4.6465% | 531 |
| Noninterest income to average assets | 2.5152% | 205 |
| Noninterest expense to average assets | 7.5639% | 100 |
| Loan and lease loss provision to assets | 0.1294% | 1,557 |
| Net operating income to assets | -1.1531% | 5,429 |
| Return on assets (ROA) | -1.1531% | 5,424 |
| Pretax return on assets | -1.4584% | 5,427 |
| Return on Equity (ROE) | -13.1331% | 5,436 |
| Retained earnings to average equity (ytd only) | -13.1331% | 5,415 |
| Net charge-offs to loans | 0.2338% | 731 |
| Credit loss provision to net charge-offs | 100.0000% | 2,247 |
| Earnings coverage of net charge-offs (x) | -10.2689% | 3,470 |
| Efficiency ratio | 121.3145% | 53 |
| Assets per employee ($millions) | 1.5999% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0155% | 61 |
| Loan loss allowance to noncurrent loans | 72.3764% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 13.7931% | 9 |
| Noncurrent loans to loans | 5.5481% | 100 |
| Net loans and leases to total assets | 54.8843% | 4,302 |
| Net loans and leases to deposits | 60.5003% | 4,521 |
| Net loans and leases to core deposits | 62.2699% | 4,599 |
| Total domestic deposits to total assets | 90.7174% | 286 |
| Equity capital to assets | 8.5568% | 4,889 |
| Core capital (leverage) ratio | 6.8512% | 5,435 |
| Tier 1 risk-based capital ratio | 9.6617% | 5,425 |
| Total risk-based capital ratio | 10.9344% | 5,396 |
| Memoranda: | ||
| Average total assets | $80,361,750 | 4,467 |
| Average earning assets | $64,334,000 | 4,634 |
| Average equity | $7,055,750 | 4,786 |
| Average total loans | $44,491,500 | 4,493 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 986 |
| Cost of funding earning assets | 0.3907% | 3,803 |
| Net interest margin | 4.5227% | 666 |
| Noninterest income to average assets | 2.4340% | 215 |
| Noninterest expense to average assets | 7.3564% | 106 |
| Loan and lease loss provision to assets | 0.1950% | 882 |
| Net operating income to assets | -1.1775% | 5,483 |
| Return on assets (ROA) | -1.1775% | 5,477 |
| Pretax return on assets | -1.4886% | 5,486 |
| Return on Equity (ROE) | -13.3023% | 5,489 |
| Retained earnings to average equity (ytd only) | -13.3023% | 5,453 |
| Net charge-offs to loans | 0.3560% | 444 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | -6.6329% | 3,177 |
| Efficiency ratio | 121.3355% | 65 |
| Assets per employee ($millions) | 1.6703% | 5,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0552% | 58 |
| Loan loss allowance to noncurrent loans | 73.9220% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 13.2253% | 9 |
| Noncurrent loans to loans | 5.4857% | 110 |
| Net loans and leases to total assets | 52.0362% | 4,479 |
| Net loans and leases to deposits | 57.2235% | 4,685 |
| Net loans and leases to core deposits | 59.0270% | 4,749 |
| Total domestic deposits to total assets | 90.9351% | 262 |
| Equity capital to assets | 8.4625% | 4,974 |
| Core capital (leverage) ratio | 7.2202% | 5,464 |
| Tier 1 risk-based capital ratio | 9.5066% | 5,496 |
| Total risk-based capital ratio | 10.7780% | 5,473 |
| Memoranda: | ||
| Average total assets | $81,017,670 | 4,501 |
| Average earning assets | $65,005,670 | 4,678 |
| Average equity | $7,171,670 | 4,823 |
| Average total loans | $44,380,000 | 4,537 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 920 |
| Cost of funding earning assets | 0.4150% | 3,483 |
| Net interest margin | 4.4594% | 670 |
| Noninterest income to average assets | 2.7045% | 179 |
| Noninterest expense to average assets | 7.4983% | 100 |
| Loan and lease loss provision to assets | 0.1340% | 1,408 |
| Net operating income to assets | -1.0769% | 5,535 |
| Return on assets (ROA) | -1.0769% | 5,534 |
| Pretax return on assets | -1.3548% | 5,551 |
| Return on Equity (ROE) | -11.8994% | 5,543 |
| Retained earnings to average equity (ytd only) | -11.8994% | 5,406 |
| Net charge-offs to loans | 0.2434% | 631 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | -9.1111% | 2,700 |
| Efficiency ratio | 119.4466% | 65 |
| Assets per employee ($millions) | 1.5869% | 5,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0804% | 60 |
| Loan loss allowance to noncurrent loans | 69.2042% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 13.7551% | 9 |
| Noncurrent loans to loans | 5.8962% | 105 |
| Net loans and leases to total assets | 52.2835% | 4,418 |
| Net loans and leases to deposits | 57.8481% | 4,593 |
| Net loans and leases to core deposits | 59.6984% | 4,673 |
| Total domestic deposits to total assets | 90.3806% | 509 |
| Equity capital to assets | 8.8793% | 4,683 |
| Core capital (leverage) ratio | 7.6935% | 5,472 |
| Tier 1 risk-based capital ratio | 9.9494% | 5,514 |
| Total risk-based capital ratio | 11.2195% | 5,451 |
| Memoranda: | ||
| Average total assets | $80,605,000 | 4,553 |
| Average earning assets | $64,582,500 | 4,739 |
| Average equity | $7,294,500 | 4,851 |
| Average total loans | $44,376,000 | 4,583 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0185% | 625 |
| Cost of funding earning assets | 0.2987% | 4,157 |
| Net interest margin | 4.7198% | 406 |
| Noninterest income to average assets | 3.6245% | 142 |
| Noninterest expense to average assets | 8.5570% | 84 |
| Loan and lease loss provision to assets | 0.1786% | 1,211 |
| Net operating income to assets | -1.6374% | 5,628 |
| Return on assets (ROA) | -1.6374% | 5,628 |
| Pretax return on assets | -1.3155% | 5,622 |
| Return on Equity (ROE) | -15.3654% | 5,626 |
| Retained earnings to average equity (ytd only) | -15.3654% | 5,595 |
| Net charge-offs to loans | 0.3046% | 847 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | -6.3662% | 4,078 |
| Efficiency ratio | 115.3220% | 77 |
| Assets per employee ($millions) | 1.5438% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0323% | 59 |
| Loan loss allowance to noncurrent loans | 77.5528% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 13.4816% | 9 |
| Noncurrent loans to loans | 5.1995% | 122 |
| Net loans and leases to total assets | 53.3620% | 4,409 |
| Net loans and leases to deposits | 59.2845% | 4,614 |
| Net loans and leases to core deposits | 61.1986% | 4,700 |
| Total domestic deposits to total assets | 90.0100% | 563 |
| Equity capital to assets | 9.2215% | 4,505 |
| Core capital (leverage) ratio | 7.8159% | 5,491 |
| Tier 1 risk-based capital ratio | 10.5926% | 5,335 |
| Total risk-based capital ratio | 11.8688% | 5,227 |
| Memoranda: | ||
| Average total assets | $79,514,000 | 4,600 |
| Average earning assets | $63,943,000 | 4,788 |
| Average equity | $8,473,600 | 4,707 |
| Average total loans | $46,615,800 | 4,547 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0341% | 569 |
| Cost of funding earning assets | 0.2589% | 4,492 |
| Net interest margin | 4.7752% | 357 |
| Noninterest income to average assets | 4.0828% | 140 |
| Noninterest expense to average assets | 8.4749% | 87 |
| Loan and lease loss provision to assets | 0.2420% | 728 |
| Net operating income to assets | -0.5311% | 5,633 |
| Return on assets (ROA) | -0.5311% | 5,633 |
| Pretax return on assets | -0.7900% | 5,654 |
| Return on Equity (ROE) | -4.8199% | 5,631 |
| Retained earnings to average equity (ytd only) | -4.8199% | 5,538 |
| Net charge-offs to loans | 0.4076% | 516 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | -2.2639% | 3,739 |
| Efficiency ratio | 106.9126% | 113 |
| Assets per employee ($millions) | 1.5370% | 5,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9617% | 69 |
| Loan loss allowance to noncurrent loans | 58.2524% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 12.6872% | 15 |
| Noncurrent loans to loans | 6.8009% | 78 |
| Net loans and leases to total assets | 51.6183% | 4,602 |
| Net loans and leases to deposits | 57.7053% | 4,777 |
| Net loans and leases to core deposits | 59.2754% | 4,851 |
| Total domestic deposits to total assets | 89.4516% | 673 |
| Equity capital to assets | 9.9238% | 4,004 |
| Core capital (leverage) ratio | 8.7550% | 5,009 |
| Tier 1 risk-based capital ratio | 10.8638% | 5,311 |
| Total risk-based capital ratio | 12.1392% | 5,199 |
| Memoranda: | ||
| Average total assets | $79,322,500 | 4,647 |
| Average earning assets | $63,856,250 | 4,838 |
| Average equity | $8,741,250 | 4,703 |
| Average total loans | $47,110,000 | 4,578 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1911% | 55 |
| Cost of funding earning assets | 0.2380% | 4,652 |
| Net interest margin | 6.9531% | 41 |
| Noninterest income to average assets | 3.5574% | 162 |
| Noninterest expense to average assets | 8.7645% | 84 |
| Loan and lease loss provision to assets | 0.0593% | 2,784 |
| Net operating income to assets | 0.1856% | 5,415 |
| Return on assets (ROA) | 0.1856% | 5,421 |
| Pretax return on assets | 0.3068% | 5,330 |
| Return on Equity (ROE) | 1.6255% | 5,393 |
| Retained earnings to average equity (ytd only) | 1.6255% | 4,606 |
| Net charge-offs to loans | 0.0965% | 1,659 |
| Credit loss provision to net charge-offs | 100.0000% | 2,001 |
| Earnings coverage of net charge-offs (x) | 6.1739% | 2,737 |
| Efficiency ratio | 95.9910% | 262 |
| Assets per employee ($millions) | 1.4903% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7692% | 75 |
| Loan loss allowance to noncurrent loans | 47.5059% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 14.5035% | 12 |
| Noncurrent loans to loans | 7.9341% | 50 |
| Net loans and leases to total assets | 58.1810% | 4,009 |
| Net loans and leases to deposits | 65.9094% | 4,226 |
| Net loans and leases to core deposits | 65.9094% | 4,472 |
| Total domestic deposits to total assets | 88.2742% | 1,319 |
| Equity capital to assets | 11.1118% | 2,690 |
| Core capital (leverage) ratio | 9.7033% | 3,891 |
| Tier 1 risk-based capital ratio | 12.9504% | 4,032 |
| Total risk-based capital ratio | 14.2288% | 3,929 |
| Memoranda: | ||
| Average total assets | $77,585,330 | 4,712 |
| Average earning assets | $62,188,330 | 4,900 |
| Average equity | $8,858,670 | 4,705 |
| Average total loans | $47,668,330 | 4,591 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1516% | 55 |
| Cost of funding earning assets | 0.2343% | 4,680 |
| Net interest margin | 6.9174% | 42 |
| Noninterest income to average assets | 6.1963% | 95 |
| Noninterest expense to average assets | 8.5896% | 89 |
| Loan and lease loss provision to assets | 0.0572% | 2,660 |
| Net operating income to assets | 2.0238% | 290 |
| Return on assets (ROA) | 2.0238% | 299 |
| Pretax return on assets | 3.0800% | 122 |
| Return on Equity (ROE) | 17.4841% | 374 |
| Retained earnings to average equity (ytd only) | 17.4841% | 154 |
| Net charge-offs to loans | 0.0924% | 1,427 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 54.8182% | 850 |
| Efficiency ratio | 73.2476% | 2,363 |
| Assets per employee ($millions) | 1.4436% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7964% | 91 |
| Loan loss allowance to noncurrent loans | 50.4060% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 14.2841% | 17 |
| Noncurrent loans to loans | 7.5317% | 68 |
| Net loans and leases to total assets | 58.5127% | 3,927 |
| Net loans and leases to deposits | 66.6749% | 4,117 |
| Net loans and leases to core deposits | 66.6749% | 4,385 |
| Total domestic deposits to total assets | 87.7582% | 1,857 |
| Equity capital to assets | 11.6659% | 2,067 |
| Core capital (leverage) ratio | 10.5152% | 2,891 |
| Tier 1 risk-based capital ratio | 14.2507% | 3,338 |
| Total risk-based capital ratio | 15.5299% | 3,243 |
| Memoranda: | ||
| Average total assets | $76,884,000 | 4,772 |
| Average earning assets | $61,468,500 | 4,964 |
| Average equity | $8,899,500 | 4,733 |
| Average total loans | $47,624,500 | 4,635 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9508% | 61 |
| Cost of funding earning assets | 0.2416% | 4,640 |
| Net interest margin | 6.7092% | 47 |
| Noninterest income to average assets | 1.1793% | 812 |
| Noninterest expense to average assets | 8.2526% | 99 |
| Loan and lease loss provision to assets | 0.0812% | 2,734 |
| Net operating income to assets | -1.2644% | 5,848 |
| Return on assets (ROA) | -1.2644% | 5,848 |
| Pretax return on assets | -1.9281% | 5,874 |
| Return on Equity (ROE) | -10.5994% | 5,837 |
| Retained earnings to average equity (ytd only) | -10.5994% | 5,790 |
| Net charge-offs to loans | 0.1127% | 2,137 |
| Credit loss provision to net charge-offs | 114.5455% | 2,297 |
| Earnings coverage of net charge-offs (x) | -26.0545% | 4,262 |
| Efficiency ratio | 128.8330% | 63 |
| Assets per employee ($millions) | 1.6131% | 5,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7629% | 92 |
| Loan loss allowance to noncurrent loans | 49.3963% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 14.8548% | 16 |
| Noncurrent loans to loans | 7.6177% | 64 |
| Net loans and leases to total assets | 60.7223% | 3,770 |
| Net loans and leases to deposits | 69.0557% | 4,001 |
| Net loans and leases to core deposits | 69.0557% | 4,319 |
| Total domestic deposits to total assets | 87.9323% | 1,663 |
| Equity capital to assets | 11.4820% | 2,190 |
| Core capital (leverage) ratio | 9.6051% | 3,960 |
| Tier 1 risk-based capital ratio | 13.8572% | 3,544 |
| Total risk-based capital ratio | 15.1444% | 3,440 |
| Memoranda: | ||
| Average total assets | $77,587,400 | 4,778 |
| Average earning assets | $60,439,000 | 5,009 |
| Average equity | $9,255,200 | 4,700 |
| Average total loans | $48,810,800 | 4,605 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0314% | 55 |
| Cost of funding earning assets | 0.2403% | 4,697 |
| Net interest margin | 6.7911% | 43 |
| Noninterest income to average assets | 1.2166% | 781 |
| Noninterest expense to average assets | 7.9539% | 107 |
| Loan and lease loss provision to assets | 0.0598% | 3,060 |
| Net operating income to assets | -1.0030% | 5,906 |
| Return on assets (ROA) | -1.0030% | 5,908 |
| Pretax return on assets | -1.5344% | 5,928 |
| Return on Equity (ROE) | -8.3325% | 5,896 |
| Retained earnings to average equity (ytd only) | -8.3325% | 5,821 |
| Net charge-offs to loans | 0.0951% | 1,999 |
| Credit loss provision to net charge-offs | 100.0000% | 2,352 |
| Earnings coverage of net charge-offs (x) | -24.6548% | 3,935 |
| Efficiency ratio | 122.7584% | 76 |
| Assets per employee ($millions) | 1.5763% | 5,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6334% | 101 |
| Loan loss allowance to noncurrent loans | 36.0433% | 5,055 |
| Noncurrent assets plus other real estate owned to assets | 15.8188% | 14 |
| Noncurrent loans to loans | 10.0807% | 35 |
| Net loans and leases to total assets | 63.0956% | 3,508 |
| Net loans and leases to deposits | 72.2775% | 3,778 |
| Net loans and leases to core deposits | 72.2775% | 4,139 |
| Total domestic deposits to total assets | 87.2963% | 1,762 |
| Equity capital to assets | 12.0257% | 2,100 |
| Core capital (leverage) ratio | 10.3053% | 3,223 |
| Tier 1 risk-based capital ratio | 14.7517% | 3,162 |
| Total risk-based capital ratio | 16.0363% | 3,092 |
| Memoranda: | ||
| Average total assets | $78,030,750 | 4,805 |
| Average earning assets | $60,469,750 | 5,050 |
| Average equity | $9,392,750 | 4,722 |
| Average total loans | $49,054,500 | 4,643 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9698% | 57 |
| Cost of funding earning assets | 0.2319% | 4,833 |
| Net interest margin | 6.7379% | 44 |
| Noninterest income to average assets | 1.2839% | 696 |
| Noninterest expense to average assets | 7.8965% | 109 |
| Loan and lease loss provision to assets | 0.0507% | 3,131 |
| Net operating income to assets | -0.9769% | 5,978 |
| Return on assets (ROA) | -0.9769% | 5,980 |
| Pretax return on assets | -1.5022% | 5,995 |
| Return on Equity (ROE) | -8.1132% | 5,963 |
| Retained earnings to average equity (ytd only) | -8.1132% | 5,840 |
| Net charge-offs to loans | 0.0818% | 2,033 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | -28.6000% | 3,668 |
| Efficiency ratio | 122.5197% | 83 |
| Assets per employee ($millions) | 1.6067% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6103% | 111 |
| Loan loss allowance to noncurrent loans | 60.9137% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 12.1381% | 32 |
| Noncurrent loans to loans | 5.9268% | 129 |
| Net loans and leases to total assets | 61.0439% | 3,746 |
| Net loans and leases to deposits | 69.7018% | 4,007 |
| Net loans and leases to core deposits | 69.7018% | 4,345 |
| Total domestic deposits to total assets | 87.5786% | 1,636 |
| Equity capital to assets | 11.8142% | 2,260 |
| Core capital (leverage) ratio | 10.6367% | 2,808 |
| Tier 1 risk-based capital ratio | 14.5674% | 3,284 |
| Total risk-based capital ratio | 15.8488% | 3,195 |
| Memoranda: | ||
| Average total assets | $78,820,000 | 4,841 |
| Average earning assets | $60,375,000 | 5,103 |
| Average equity | $9,490,670 | 4,742 |
| Average total loans | $48,892,670 | 4,684 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8263% | 61 |
| Cost of funding earning assets | 0.2516% | 4,688 |
| Net interest margin | 6.5747% | 49 |
| Noninterest income to average assets | 1.1615% | 818 |
| Noninterest expense to average assets | 7.7295% | 115 |
| Loan and lease loss provision to assets | 0.0558% | 2,829 |
| Net operating income to assets | -1.0347% | 6,031 |
| Return on assets (ROA) | -1.0347% | 6,033 |
| Pretax return on assets | -1.5875% | 6,058 |
| Return on Equity (ROE) | -8.5129% | 6,014 |
| Retained earnings to average equity (ytd only) | -8.5129% | 5,767 |
| Net charge-offs to loans | 0.0826% | 1,667 |
| Credit loss provision to net charge-offs | 110.0000% | 1,518 |
| Earnings coverage of net charge-offs (x) | -30.2000% | 3,085 |
| Efficiency ratio | 124.7136% | 86 |
| Assets per employee ($millions) | 1.5541% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7192% | 110 |
| Loan loss allowance to noncurrent loans | 55.3335% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 12.7616% | 33 |
| Noncurrent loans to loans | 6.7215% | 112 |
| Net loans and leases to total assets | 58.7893% | 3,954 |
| Net loans and leases to deposits | 67.2327% | 4,132 |
| Net loans and leases to core deposits | 67.4888% | 4,436 |
| Total domestic deposits to total assets | 87.4415% | 1,966 |
| Equity capital to assets | 11.9668% | 2,049 |
| Core capital (leverage) ratio | 11.0011% | 2,405 |
| Tier 1 risk-based capital ratio | 14.6409% | 3,317 |
| Total risk-based capital ratio | 15.9240% | 3,243 |
| Memoranda: | ||
| Average total assets | $78,866,500 | 4,884 |
| Average earning assets | $60,413,500 | 5,146 |
| Average equity | $9,585,500 | 4,744 |
| Average total loans | $48,410,000 | 4,723 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1180% | 53 |
| Cost of funding earning assets | 0.2687% | 4,603 |
| Net interest margin | 6.8492% | 46 |
| Noninterest income to average assets | 0.8768% | 1,509 |
| Noninterest expense to average assets | 8.1585% | 103 |
| Loan and lease loss provision to assets | 0.1118% | 2,128 |
| Net operating income to assets | -1.4029% | 6,122 |
| Return on assets (ROA) | -1.4029% | 6,124 |
| Pretax return on assets | -2.1464% | 6,141 |
| Return on Equity (ROE) | -10.7018% | 6,107 |
| Retained earnings to average equity (ytd only) | -10.7018% | 6,045 |
| Net charge-offs to loans | 0.1795% | 1,599 |
| Credit loss provision to net charge-offs | 100.0000% | 2,501 |
| Earnings coverage of net charge-offs (x) | -18.1932% | 4,438 |
| Efficiency ratio | 133.2227% | 60 |
| Assets per employee ($millions) | 1.4268% | 6,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7172% | 104 |
| Loan loss allowance to noncurrent loans | 44.8096% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 13.8865% | 33 |
| Noncurrent loans to loans | 8.2956% | 71 |
| Net loans and leases to total assets | 59.4135% | 3,914 |
| Net loans and leases to deposits | 68.2241% | 4,111 |
| Net loans and leases to core deposits | 68.7959% | 4,388 |
| Total domestic deposits to total assets | 87.0858% | 2,084 |
| Equity capital to assets | 12.3433% | 1,711 |
| Core capital (leverage) ratio | 11.3004% | 2,120 |
| Tier 1 risk-based capital ratio | 15.2271% | 3,066 |
| Total risk-based capital ratio | 16.5103% | 2,988 |
| Memoranda: | ||
| Average total assets | $78,691,400 | 4,898 |
| Average earning assets | $60,284,200 | 5,179 |
| Average equity | $10,316,000 | 4,597 |
| Average total loans | $49,021,000 | 4,700 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9819% | 60 |
| Cost of funding earning assets | 0.2695% | 4,673 |
| Net interest margin | 6.7124% | 51 |
| Noninterest income to average assets | 1.2766% | 730 |
| Noninterest expense to average assets | 8.0527% | 111 |
| Loan and lease loss provision to assets | 0.0965% | 2,242 |
| Net operating income to assets | -1.1344% | 6,200 |
| Return on assets (ROA) | -1.1344% | 6,199 |
| Pretax return on assets | -1.7270% | 6,218 |
| Return on Equity (ROE) | -8.5292% | 6,170 |
| Retained earnings to average equity (ytd only) | -8.5292% | 6,102 |
| Net charge-offs to loans | 0.1546% | 1,595 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | -16.8943% | 4,151 |
| Efficiency ratio | 125.3889% | 81 |
| Assets per employee ($millions) | 1.1764% | 6,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6618% | 123 |
| Loan loss allowance to noncurrent loans | 40.2955% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 14.4990% | 29 |
| Noncurrent loans to loans | 9.0874% | 52 |
| Net loans and leases to total assets | 60.9943% | 3,738 |
| Net loans and leases to deposits | 70.8933% | 3,893 |
| Net loans and leases to core deposits | 71.2185% | 4,255 |
| Total domestic deposits to total assets | 86.0368% | 2,508 |
| Equity capital to assets | 13.0358% | 1,423 |
| Core capital (leverage) ratio | 12.1812% | 1,575 |
| Tier 1 risk-based capital ratio | 16.7707% | 2,447 |
| Total risk-based capital ratio | 18.0501% | 2,399 |
| Memoranda: | ||
| Average total assets | $78,746,250 | 4,954 |
| Average earning assets | $60,364,250 | 5,242 |
| Average equity | $10,473,500 | 4,624 |
| Average total loans | $49,170,500 | 4,748 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8891% | 62 |
| Cost of funding earning assets | 0.2567% | 4,874 |
| Net interest margin | 6.6323% | 51 |
| Noninterest income to average assets | 1.4030% | 644 |
| Noninterest expense to average assets | 8.1148% | 110 |
| Loan and lease loss provision to assets | 0.1138% | 1,936 |
| Net operating income to assets | -1.1426% | 6,270 |
| Return on assets (ROA) | -1.1426% | 6,270 |
| Pretax return on assets | -1.7317% | 6,293 |
| Return on Equity (ROE) | -8.5355% | 6,244 |
| Retained earnings to average equity (ytd only) | -8.5355% | 6,145 |
| Net charge-offs to loans | 0.1830% | 1,360 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | -14.2222% | 3,854 |
| Efficiency ratio | 124.9027% | 91 |
| Assets per employee ($millions) | 1.2144% | 6,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6645% | 142 |
| Loan loss allowance to noncurrent loans | 51.7698% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 12.6636% | 41 |
| Noncurrent loans to loans | 7.0785% | 116 |
| Net loans and leases to total assets | 59.9139% | 3,851 |
| Net loans and leases to deposits | 69.4699% | 3,985 |
| Net loans and leases to core deposits | 69.7825% | 4,342 |
| Total domestic deposits to total assets | 86.2444% | 2,562 |
| Equity capital to assets | 13.0994% | 1,348 |
| Core capital (leverage) ratio | 12.7814% | 1,265 |
| Tier 1 risk-based capital ratio | 18.6817% | 1,876 |
| Total risk-based capital ratio | 19.9566% | 1,836 |
| Memoranda: | ||
| Average total assets | $79,115,000 | 4,996 |
| Average earning assets | $60,763,000 | 5,287 |
| Average equity | $10,591,000 | 4,639 |
| Average total loans | $49,175,330 | 4,778 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8426% | 63 |
| Cost of funding earning assets | 0.2695% | 4,793 |
| Net interest margin | 6.5731% | 51 |
| Noninterest income to average assets | 1.0353% | 1,042 |
| Noninterest expense to average assets | 7.0400% | 147 |
| Loan and lease loss provision to assets | 0.1869% | 1,011 |
| Net operating income to assets | -0.7474% | 6,284 |
| Return on assets (ROA) | -0.7474% | 6,291 |
| Pretax return on assets | -1.1413% | 6,325 |
| Return on Equity (ROE) | -5.5242% | 6,267 |
| Retained earnings to average equity (ytd only) | -5.5242% | 5,965 |
| Net charge-offs to loans | 0.3007% | 784 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | -5.1081% | 3,231 |
| Efficiency ratio | 115.6846% | 156 |
| Assets per employee ($millions) | 1.3799% | 6,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6679% | 158 |
| Loan loss allowance to noncurrent loans | 44.0744% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 13.9661% | 34 |
| Noncurrent loans to loans | 8.3220% | 90 |
| Net loans and leases to total assets | 60.1043% | 3,638 |
| Net loans and leases to deposits | 70.0557% | 3,741 |
| Net loans and leases to core deposits | 70.3727% | 4,122 |
| Total domestic deposits to total assets | 85.7949% | 3,039 |
| Equity capital to assets | 13.5300% | 1,159 |
| Core capital (leverage) ratio | 13.4182% | 1,001 |
| Tier 1 risk-based capital ratio | 20.0270% | 1,608 |
| Total risk-based capital ratio | 20.0270% | 1,884 |
| Memoranda: | ||
| Average total assets | $79,205,000 | 5,044 |
| Average earning assets | $60,854,500 | 5,334 |
| Average equity | $10,716,500 | 4,657 |
| Average total loans | $49,217,000 | 4,807 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7890% | 77 |
| Cost of funding earning assets | 0.2615% | 5,208 |
| Net interest margin | 6.5275% | 63 |
| Noninterest income to average assets | 1.3060% | 715 |
| Noninterest expense to average assets | 7.8436% | 110 |
| Loan and lease loss provision to assets | 0.1486% | 1,767 |
| Net operating income to assets | -1.0588% | 6,391 |
| Return on assets (ROA) | -1.0588% | 6,391 |
| Pretax return on assets | -1.5745% | 6,423 |
| Return on Equity (ROE) | -7.4762% | 6,331 |
| Retained earnings to average equity (ytd only) | -7.4762% | 6,256 |
| Net charge-offs to loans | 0.2365% | 1,787 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | -9.5966% | 4,913 |
| Efficiency ratio | 122.2179% | 119 |
| Assets per employee ($millions) | 1.3293% | 6,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6468% | 165 |
| Loan loss allowance to noncurrent loans | 49.9861% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 13.0650% | 49 |
| Noncurrent loans to loans | 7.2955% | 133 |
| Net loans and leases to total assets | 59.6314% | 3,835 |
| Net loans and leases to deposits | 69.4495% | 3,982 |
| Net loans and leases to core deposits | 69.7592% | 4,345 |
| Total domestic deposits to total assets | 85.8630% | 2,913 |
| Equity capital to assets | 13.5302% | 1,148 |
| Core capital (leverage) ratio | 13.4181% | 997 |
| Tier 1 risk-based capital ratio | 20.8990% | 1,425 |
| Total risk-based capital ratio | 22.1772% | 1,392 |
| Memoranda: | ||
| Average total assets | $80,090,600 | 5,058 |
| Average earning assets | $62,718,800 | 5,319 |
| Average equity | $11,342,600 | 4,488 |
| Average total loans | $50,325,000 | 4,810 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7819% | 76 |
| Cost of funding earning assets | 0.2558% | 5,346 |
| Net interest margin | 6.5261% | 62 |
| Noninterest income to average assets | 1.4917% | 564 |
| Noninterest expense to average assets | 7.6564% | 114 |
| Loan and lease loss provision to assets | 0.0815% | 2,721 |
| Net operating income to assets | -0.7251% | 6,426 |
| Return on assets (ROA) | -0.7251% | 6,422 |
| Pretax return on assets | -1.1125% | 6,463 |
| Return on Equity (ROE) | -5.0635% | 6,374 |
| Retained earnings to average equity (ytd only) | -5.0635% | 6,259 |
| Net charge-offs to loans | 0.1292% | 2,501 |
| Credit loss provision to net charge-offs | 100.0000% | 2,200 |
| Earnings coverage of net charge-offs (x) | -12.6535% | 4,641 |
| Efficiency ratio | 115.5622% | 166 |
| Assets per employee ($millions) | 1.2755% | 6,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5305% | 222 |
| Loan loss allowance to noncurrent loans | 40.4222% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 12.9214% | 53 |
| Noncurrent loans to loans | 8.7341% | 100 |
| Net loans and leases to total assets | 62.1968% | 3,456 |
| Net loans and leases to deposits | 72.7951% | 3,588 |
| Net loans and leases to core deposits | 73.1241% | 4,036 |
| Total domestic deposits to total assets | 85.4410% | 3,137 |
| Equity capital to assets | 14.1658% | 948 |
| Core capital (leverage) ratio | 13.9481% | 857 |
| Tier 1 risk-based capital ratio | 21.6117% | 1,322 |
| Total risk-based capital ratio | 22.8889% | 1,299 |
| Memoranda: | ||
| Average total assets | $80,174,500 | 5,120 |
| Average earning assets | $63,068,000 | 5,365 |
| Average equity | $11,480,500 | 4,492 |
| Average total loans | $50,566,500 | 4,846 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8170% | 73 |
| Cost of funding earning assets | 0.2434% | 5,556 |
| Net interest margin | 6.5736% | 61 |
| Noninterest income to average assets | 1.6240% | 484 |
| Noninterest expense to average assets | 7.3876% | 125 |
| Loan and lease loss provision to assets | 0.0819% | 2,664 |
| Net operating income to assets | -0.4370% | 6,424 |
| Return on assets (ROA) | -0.4370% | 6,420 |
| Pretax return on assets | -0.6804% | 6,466 |
| Return on Equity (ROE) | -3.0415% | 6,381 |
| Retained earnings to average equity (ytd only) | -3.0415% | 6,100 |
| Net charge-offs to loans | 0.1309% | 2,354 |
| Credit loss provision to net charge-offs | 100.0000% | 1,983 |
| Earnings coverage of net charge-offs (x) | -7.3030% | 4,303 |
| Efficiency ratio | 108.8149% | 249 |
| Assets per employee ($millions) | 1.3040% | 6,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5767% | 236 |
| Loan loss allowance to noncurrent loans | 42.2734% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 12.5775% | 56 |
| Noncurrent loans to loans | 8.4608% | 111 |
| Net loans and leases to total assets | 60.0190% | 3,709 |
| Net loans and leases to deposits | 70.1375% | 3,808 |
| Net loans and leases to core deposits | 70.4460% | 4,224 |
| Total domestic deposits to total assets | 85.5735% | 3,255 |
| Equity capital to assets | 14.1767% | 906 |
| Core capital (leverage) ratio | 14.1770% | 777 |
| Tier 1 risk-based capital ratio | 22.0946% | 1,248 |
| Total risk-based capital ratio | 23.3726% | 1,223 |
| Memoranda: | ||
| Average total assets | $80,540,000 | 5,151 |
| Average earning assets | $63,283,330 | 5,411 |
| Average equity | $11,573,330 | 4,480 |
| Average total loans | $50,427,330 | 4,883 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8147% | 78 |
| Cost of funding earning assets | 0.2592% | 5,504 |
| Net interest margin | 6.5555% | 62 |
| Noninterest income to average assets | 1.7665% | 411 |
| Noninterest expense to average assets | 7.0013% | 140 |
| Loan and lease loss provision to assets | 0.0697% | 2,741 |
| Net operating income to assets | -0.0896% | 6,278 |
| Return on assets (ROA) | -0.0896% | 6,289 |
| Pretax return on assets | -0.1443% | 6,310 |
| Return on Equity (ROE) | -0.6191% | 6,266 |
| Retained earnings to average equity (ytd only) | -0.6191% | 5,668 |
| Net charge-offs to loans | 0.1109% | 2,071 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | -1.0714% | 3,516 |
| Efficiency ratio | 101.0776% | 443 |
| Assets per employee ($millions) | 1.3405% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6017% | 247 |
| Loan loss allowance to noncurrent loans | 29.6883% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 15.0400% | 42 |
| Noncurrent loans to loans | 12.1318% | 61 |
| Net loans and leases to total assets | 59.8966% | 3,577 |
| Net loans and leases to deposits | 70.2643% | 3,567 |
| Net loans and leases to core deposits | 70.5762% | 4,025 |
| Total domestic deposits to total assets | 85.2447% | 3,750 |
| Equity capital to assets | 14.4470% | 803 |
| Core capital (leverage) ratio | 14.4580% | 706 |
| Tier 1 risk-based capital ratio | 21.8028% | 1,320 |
| Total risk-based capital ratio | 23.0787% | 1,293 |
| Memoranda: | ||
| Average total assets | $80,384,500 | 5,201 |
| Average earning assets | $63,275,000 | 5,462 |
| Average equity | $11,629,000 | 4,488 |
| Average total loans | $50,478,000 | 4,915 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5665% | 94 |
| Cost of funding earning assets | 0.3423% | 5,218 |
| Net interest margin | 6.2242% | 64 |
| Noninterest income to average assets | 1.5072% | 622 |
| Noninterest expense to average assets | 7.1106% | 143 |
| Loan and lease loss provision to assets | 0.1252% | 2,749 |
| Net operating income to assets | -0.4358% | 6,470 |
| Return on assets (ROA) | -0.4358% | 6,483 |
| Pretax return on assets | -0.6603% | 6,528 |
| Return on Equity (ROE) | -3.1052% | 6,434 |
| Retained earnings to average equity (ytd only) | -3.1052% | 6,272 |
| Net charge-offs to loans | 0.2076% | 2,800 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -4.2736% | 5,379 |
| Efficiency ratio | 108.1372% | 300 |
| Assets per employee ($millions) | 1.2752% | 6,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5308% | 281 |
| Loan loss allowance to noncurrent loans | 32.9670% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 13.7222% | 58 |
| Noncurrent loans to loans | 10.7101% | 96 |
| Net loans and leases to total assets | 61.2171% | 3,494 |
| Net loans and leases to deposits | 71.8911% | 3,532 |
| Net loans and leases to core deposits | 72.2110% | 4,042 |
| Total domestic deposits to total assets | 85.1525% | 3,663 |
| Equity capital to assets | 14.4865% | 786 |
| Core capital (leverage) ratio | 14.0846% | 805 |
| Tier 1 risk-based capital ratio | 21.6051% | 1,316 |
| Total risk-based capital ratio | 22.8804% | 1,291 |
| Memoranda: | ||
| Average total assets | $84,662,400 | 5,124 |
| Average earning assets | $68,940,800 | 5,329 |
| Average equity | $11,883,200 | 4,463 |
| Average total loans | $51,070,800 | 4,928 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3322% | 116 |
| Cost of funding earning assets | 0.3567% | 5,231 |
| Net interest margin | 5.9754% | 84 |
| Noninterest income to average assets | 1.8411% | 466 |
| Noninterest expense to average assets | 7.0938% | 142 |
| Loan and lease loss provision to assets | 0.1322% | 2,632 |
| Net operating income to assets | -0.3110% | 6,528 |
| Return on assets (ROA) | -0.3110% | 6,544 |
| Pretax return on assets | -0.4883% | 6,592 |
| Return on Equity (ROE) | -2.2325% | 6,495 |
| Retained earnings to average equity (ytd only) | -2.2325% | 6,292 |
| Net charge-offs to loans | 0.2218% | 2,481 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | -2.6942% | 5,099 |
| Efficiency ratio | 105.2850% | 342 |
| Assets per employee ($millions) | 1.3411% | 6,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5897% | 311 |
| Loan loss allowance to noncurrent loans | 39.8142% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 12.1482% | 82 |
| Noncurrent loans to loans | 9.0162% | 174 |
| Net loans and leases to total assets | 57.2174% | 4,139 |
| Net loans and leases to deposits | 66.9942% | 4,182 |
| Net loans and leases to core deposits | 67.2767% | 4,594 |
| Total domestic deposits to total assets | 85.4066% | 3,539 |
| Equity capital to assets | 13.9744% | 971 |
| Core capital (leverage) ratio | 13.7749% | 928 |
| Tier 1 risk-based capital ratio | 22.1557% | 1,293 |
| Total risk-based capital ratio | 23.4317% | 1,265 |
| Memoranda: | ||
| Average total assets | $85,743,750 | 5,135 |
| Average earning assets | $70,263,500 | 5,358 |
| Average equity | $11,944,500 | 4,504 |
| Average total loans | $51,093,500 | 4,967 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3285% | 116 |
| Cost of funding earning assets | 0.3591% | 5,326 |
| Net interest margin | 5.9694% | 84 |
| Noninterest income to average assets | 1.8268% | 508 |
| Noninterest expense to average assets | 6.9706% | 150 |
| Loan and lease loss provision to assets | 0.1857% | 2,033 |
| Net operating income to assets | -0.2484% | 6,515 |
| Return on assets (ROA) | -0.2484% | 6,547 |
| Pretax return on assets | -0.3900% | 6,591 |
| Return on Equity (ROE) | -1.7848% | 6,511 |
| Retained earnings to average equity (ytd only) | -1.7848% | 6,165 |
| Net charge-offs to loans | 0.3112% | 1,937 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | -1.1000% | 4,720 |
| Efficiency ratio | 103.0189% | 397 |
| Assets per employee ($millions) | 1.3735% | 6,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5184% | 363 |
| Loan loss allowance to noncurrent loans | 34.5688% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 12.3846% | 93 |
| Noncurrent loans to loans | 10.1779% | 151 |
| Net loans and leases to total assets | 57.9656% | 3,991 |
| Net loans and leases to deposits | 67.7315% | 4,054 |
| Net loans and leases to core deposits | 68.0180% | 4,499 |
| Total domestic deposits to total assets | 85.5814% | 3,592 |
| Equity capital to assets | 13.9747% | 979 |
| Core capital (leverage) ratio | 13.9180% | 844 |
| Tier 1 risk-based capital ratio | 21.8220% | 1,321 |
| Total risk-based capital ratio | 23.0965% | 1,289 |
| Memoranda: | ||
| Average total assets | $86,161,670 | 5,148 |
| Average earning assets | $71,297,000 | 5,355 |
| Average equity | $11,990,330 | 4,541 |
| Average total loans | $51,410,330 | 4,969 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4263% | 100 |
| Cost of funding earning assets | 0.3679% | 5,393 |
| Net interest margin | 6.0584% | 72 |
| Noninterest income to average assets | 2.2800% | 360 |
| Noninterest expense to average assets | 6.7524% | 160 |
| Loan and lease loss provision to assets | 0.1569% | 2,301 |
| Net operating income to assets | 0.2585% | 5,699 |
| Return on assets (ROA) | 0.2585% | 5,822 |
| Pretax return on assets | 0.3877% | 5,605 |
| Return on Equity (ROE) | 1.8612% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.8612% | 5,065 |
| Net charge-offs to loans | 0.2639% | 1,904 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 3.4706% | 2,759 |
| Efficiency ratio | 92.5364% | 944 |
| Assets per employee ($millions) | 1.3623% | 6,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5233% | 408 |
| Loan loss allowance to noncurrent loans | 41.9483% | 5,511 |
| Noncurrent assets plus other real estate owned to assets | 11.0628% | 155 |
| Noncurrent loans to loans | 8.3992% | 302 |
| Net loans and leases to total assets | 58.3545% | 3,728 |
| Net loans and leases to deposits | 68.4062% | 3,723 |
| Net loans and leases to core deposits | 68.6979% | 4,221 |
| Total domestic deposits to total assets | 85.3060% | 3,896 |
| Equity capital to assets | 14.2820% | 942 |
| Core capital (leverage) ratio | 14.0109% | 796 |
| Tier 1 risk-based capital ratio | 22.5056% | 1,238 |
| Total risk-based capital ratio | 23.7817% | 1,219 |
| Memoranda: | ||
| Average total assets | $86,665,500 | 5,180 |
| Average earning assets | $71,768,000 | 5,389 |
| Average equity | $12,035,500 | 4,567 |
| Average total loans | $51,535,500 | 5,005 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8235% | 89 |
| Cost of funding earning assets | 0.4006% | 5,919 |
| Net interest margin | 6.4229% | 65 |
| Noninterest income to average assets | 1.0253% | 1,464 |
| Noninterest expense to average assets | 6.5589% | 175 |
| Loan and lease loss provision to assets | 0.0675% | 4,908 |
| Net operating income to assets | -0.2012% | 6,381 |
| Return on assets (ROA) | -0.2012% | 6,447 |
| Pretax return on assets | -0.2293% | 6,434 |
| Return on Equity (ROE) | -1.4720% | 6,421 |
| Retained earnings to average equity (ytd only) | -1.4720% | 6,088 |
| Net charge-offs to loans | 0.1102% | 4,573 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | -2.4000% | 5,849 |
| Efficiency ratio | 102.5308% | 480 |
| Assets per employee ($millions) | 1.4106% | 6,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4627% | 437 |
| Loan loss allowance to noncurrent loans | 45.3058% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 10.8903% | 187 |
| Noncurrent loans to loans | 7.6429% | 394 |
| Net loans and leases to total assets | 56.4691% | 4,213 |
| Net loans and leases to deposits | 65.5841% | 4,348 |
| Net loans and leases to core deposits | 65.8474% | 4,754 |
| Total domestic deposits to total assets | 86.1019% | 3,300 |
| Equity capital to assets | 13.5122% | 1,223 |
| Core capital (leverage) ratio | 13.6278% | 907 |
| Tier 1 risk-based capital ratio | 21.4191% | 1,377 |
| Total risk-based capital ratio | 22.6927% | 1,344 |
| Memoranda: | ||
| Average total assets | $88,948,000 | 5,116 |
| Average earning assets | $74,390,000 | 5,301 |
| Average equity | $12,160,000 | 4,535 |
| Average total loans | $54,451,400 | 4,921 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9057% | 85 |
| Cost of funding earning assets | 0.3980% | 6,131 |
| Net interest margin | 6.5077% | 64 |
| Noninterest income to average assets | 1.0910% | 1,264 |
| Noninterest expense to average assets | 6.4996% | 175 |
| Loan and lease loss provision to assets | 0.0674% | 4,841 |
| Net operating income to assets | -0.0225% | 6,312 |
| Return on assets (ROA) | -0.0225% | 6,430 |
| Pretax return on assets | -0.0120% | 6,407 |
| Return on Equity (ROE) | -0.1640% | 6,425 |
| Retained earnings to average equity (ytd only) | -0.1640% | 6,111 |
| Net charge-offs to loans | 0.1090% | 4,301 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 0.8222% | 4,918 |
| Efficiency ratio | 99.1541% | 562 |
| Assets per employee ($millions) | 1.3687% | 7,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3600% | 525 |
| Loan loss allowance to noncurrent loans | 38.7513% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 11.5934% | 174 |
| Noncurrent loans to loans | 8.6707% | 340 |
| Net loans and leases to total assets | 60.0383% | 3,778 |
| Net loans and leases to deposits | 70.4099% | 3,841 |
| Net loans and leases to core deposits | 70.7042% | 4,409 |
| Total domestic deposits to total assets | 85.2696% | 3,631 |
| Equity capital to assets | 14.1157% | 1,113 |
| Core capital (leverage) ratio | 13.9988% | 832 |
| Tier 1 risk-based capital ratio | 21.2689% | 1,463 |
| Total risk-based capital ratio | 22.5428% | 1,425 |
| Memoranda: | ||
| Average total assets | $88,968,000 | 5,174 |
| Average earning assets | $74,699,250 | 5,339 |
| Average equity | $12,198,000 | 4,564 |
| Average total loans | $55,068,500 | 4,947 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9390% | 83 |
| Cost of funding earning assets | 0.4048% | 6,238 |
| Net interest margin | 6.5342% | 65 |
| Noninterest income to average assets | 1.0725% | 1,245 |
| Noninterest expense to average assets | 6.3573% | 189 |
| Loan and lease loss provision to assets | 0.0912% | 4,426 |
| Net operating income to assets | 0.0690% | 6,225 |
| Return on assets (ROA) | 0.0690% | 6,364 |
| Pretax return on assets | 0.1202% | 6,286 |
| Return on Equity (ROE) | 0.5079% | 6,387 |
| Retained earnings to average equity (ytd only) | 0.5079% | 5,864 |
| Net charge-offs to loans | 0.1476% | 3,731 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 2.3171% | 3,839 |
| Efficiency ratio | 96.7818% | 673 |
| Assets per employee ($millions) | 1.3951% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2902% | 600 |
| Loan loss allowance to noncurrent loans | 39.0371% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 10.4951% | 238 |
| Noncurrent loans to loans | 8.4284% | 388 |
| Net loans and leases to total assets | 60.1987% | 3,779 |
| Net loans and leases to deposits | 70.3377% | 3,846 |
| Net loans and leases to core deposits | 70.8738% | 4,430 |
| Total domestic deposits to total assets | 85.5852% | 3,574 |
| Equity capital to assets | 13.9016% | 1,142 |
| Core capital (leverage) ratio | 13.6599% | 915 |
| Tier 1 risk-based capital ratio | 21.0866% | 1,464 |
| Total risk-based capital ratio | 22.3603% | 1,434 |
| Memoranda: | ||
| Average total assets | $89,880,670 | 5,171 |
| Average earning assets | $75,602,000 | 5,337 |
| Average equity | $12,206,670 | 4,561 |
| Average total loans | $55,567,670 | 4,966 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8163% | 110 |
| Cost of funding earning assets | 0.4231% | 6,295 |
| Net interest margin | 6.3932% | 72 |
| Noninterest income to average assets | 1.1004% | 1,169 |
| Noninterest expense to average assets | 6.0522% | 199 |
| Loan and lease loss provision to assets | 0.2245% | 2,703 |
| Net operating income to assets | 0.1232% | 6,188 |
| Return on assets (ROA) | 0.1232% | 6,315 |
| Pretax return on assets | 0.2113% | 6,177 |
| Return on Equity (ROE) | 0.9180% | 6,364 |
| Retained earnings to average equity (ytd only) | 0.9180% | 5,700 |
| Net charge-offs to loans | 0.3643% | 2,210 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 1.9412% | 3,361 |
| Efficiency ratio | 93.2836% | 866 |
| Assets per employee ($millions) | 1.4930% | 7,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2283% | 664 |
| Loan loss allowance to noncurrent loans | 37.3832% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 10.3419% | 277 |
| Noncurrent loans to loans | 8.6357% | 414 |
| Net loans and leases to total assets | 59.2439% | 3,816 |
| Net loans and leases to deposits | 68.7973% | 3,909 |
| Net loans and leases to core deposits | 69.2982% | 4,525 |
| Total domestic deposits to total assets | 86.1138% | 3,464 |
| Equity capital to assets | 13.4119% | 1,269 |
| Core capital (leverage) ratio | 13.6736% | 885 |
| Tier 1 risk-based capital ratio | 20.4915% | 1,591 |
| Total risk-based capital ratio | 21.7631% | 1,560 |
| Memoranda: | ||
| Average total assets | $90,876,500 | 5,181 |
| Average earning assets | $76,581,500 | 5,341 |
| Average equity | $12,201,000 | 4,570 |
| Average total loans | $55,997,500 | 4,982 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4641% | 71 |
| Cost of funding earning assets | 0.4548% | 6,716 |
| Net interest margin | 7.0092% | 51 |
| Noninterest income to average assets | 1.0524% | 1,209 |
| Noninterest expense to average assets | 6.7431% | 151 |
| Loan and lease loss provision to assets | 0.0874% | 5,495 |
| Net operating income to assets | 0.0995% | 5,864 |
| Return on assets (ROA) | 0.0995% | 5,981 |
| Pretax return on assets | 0.1672% | 5,860 |
| Return on Equity (ROE) | 0.7480% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.7480% | 5,504 |
| Net charge-offs to loans | 0.1352% | 5,063 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 2.9125% | 3,752 |
| Efficiency ratio | 96.3611% | 801 |
| Assets per employee ($millions) | 1.4168% | 7,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2007% | 679 |
| Loan loss allowance to noncurrent loans | 45.0563% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 9.4754% | 362 |
| Noncurrent loans to loans | 7.1037% | 620 |
| Net loans and leases to total assets | 60.0351% | 3,983 |
| Net loans and leases to deposits | 69.8541% | 4,130 |
| Net loans and leases to core deposits | 70.3633% | 4,738 |
| Total domestic deposits to total assets | 85.9435% | 3,355 |
| Equity capital to assets | 13.4400% | 1,302 |
| Core capital (leverage) ratio | 13.4945% | 967 |
| Tier 1 risk-based capital ratio | 20.4992% | 1,525 |
| Total risk-based capital ratio | 21.7709% | 1,487 |
| Memoranda: | ||
| Average total assets | $91,501,000 | 5,148 |
| Average earning assets | $77,611,800 | 5,297 |
| Average equity | $12,165,000 | 4,516 |
| Average total loans | $59,181,800 | 4,897 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5858% | 66 |
| Cost of funding earning assets | 0.4547% | 6,868 |
| Net interest margin | 7.1312% | 45 |
| Noninterest income to average assets | 1.0541% | 1,207 |
| Noninterest expense to average assets | 6.7401% | 149 |
| Loan and lease loss provision to assets | 0.1105% | 5,052 |
| Net operating income to assets | 0.1643% | 5,788 |
| Return on assets (ROA) | 0.1643% | 5,919 |
| Pretax return on assets | 0.2690% | 5,770 |
| Return on Equity (ROE) | 1.2390% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.2390% | 5,517 |
| Net charge-offs to loans | 0.1691% | 4,440 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 3.4342% | 3,438 |
| Efficiency ratio | 94.6702% | 880 |
| Assets per employee ($millions) | 1.4040% | 7,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0723% | 817 |
| Loan loss allowance to noncurrent loans | 74.4109% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 7.3460% | 645 |
| Noncurrent loans to loans | 4.1288% | 1,599 |
| Net loans and leases to total assets | 63.1975% | 3,475 |
| Net loans and leases to deposits | 73.8206% | 3,681 |
| Net loans and leases to core deposits | 74.3659% | 4,397 |
| Total domestic deposits to total assets | 85.6095% | 3,438 |
| Equity capital to assets | 13.5870% | 1,336 |
| Core capital (leverage) ratio | 13.3655% | 1,090 |
| Tier 1 risk-based capital ratio | 20.0727% | 1,666 |
| Total risk-based capital ratio | 21.3435% | 1,632 |
| Memoranda: | ||
| Average total assets | $91,707,000 | 5,175 |
| Average earning assets | $78,003,250 | 5,327 |
| Average equity | $12,159,500 | 4,524 |
| Average total loans | $59,917,750 | 4,906 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6227% | 67 |
| Cost of funding earning assets | 0.4496% | 7,010 |
| Net interest margin | 7.1731% | 49 |
| Noninterest income to average assets | 1.0268% | 1,255 |
| Noninterest expense to average assets | 6.7480% | 154 |
| Loan and lease loss provision to assets | 0.1105% | 4,919 |
| Net operating income to assets | 0.1711% | 5,830 |
| Return on assets (ROA) | 0.1711% | 5,929 |
| Pretax return on assets | 0.2860% | 5,700 |
| Return on Equity (ROE) | 1.3012% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.3012% | 5,328 |
| Net charge-offs to loans | 0.1690% | 4,165 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 3.5882% | 3,118 |
| Efficiency ratio | 94.4512% | 950 |
| Assets per employee ($millions) | 1.3473% | 7,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0536% | 851 |
| Loan loss allowance to noncurrent loans | 103.6866% | 2,773 |
| Noncurrent assets plus other real estate owned to assets | 6.4289% | 833 |
| Noncurrent loans to loans | 2.9451% | 2,467 |
| Net loans and leases to total assets | 62.3742% | 3,816 |
| Net loans and leases to deposits | 72.5175% | 4,034 |
| Net loans and leases to core deposits | 73.3083% | 4,666 |
| Total domestic deposits to total assets | 86.0126% | 3,321 |
| Equity capital to assets | 13.2889% | 1,390 |
| Core capital (leverage) ratio | 13.1014% | 1,107 |
| Tier 1 risk-based capital ratio | 19.7227% | 1,665 |
| Total risk-based capital ratio | 20.9927% | 1,633 |
| Memoranda: | ||
| Average total assets | $92,323,330 | 5,197 |
| Average earning assets | $78,739,000 | 5,354 |
| Average equity | $12,143,000 | 4,519 |
| Average total loans | $60,361,000 | 4,941 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5482% | 75 |
| Cost of funding earning assets | 0.4396% | 7,137 |
| Net interest margin | 7.1086% | 54 |
| Noninterest income to average assets | 1.0704% | 1,144 |
| Noninterest expense to average assets | 6.6252% | 165 |
| Loan and lease loss provision to assets | 0.0863% | 4,927 |
| Net operating income to assets | 0.2676% | 5,549 |
| Return on assets (ROA) | 0.2676% | 5,610 |
| Pretax return on assets | 0.4316% | 5,239 |
| Return on Equity (ROE) | 2.0450% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.0450% | 4,909 |
| Net charge-offs to loans | 0.1310% | 3,724 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,168 |
| Efficiency ratio | 92.7492% | 1,115 |
| Assets per employee ($millions) | 1.3129% | 7,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9958% | 920 |
| Loan loss allowance to noncurrent loans | 87.0827% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 5.9432% | 982 |
| Noncurrent loans to loans | 3.4401% | 2,181 |
| Net loans and leases to total assets | 63.4194% | 3,558 |
| Net loans and leases to deposits | 73.6108% | 3,818 |
| Net loans and leases to core deposits | 74.4181% | 4,489 |
| Total domestic deposits to total assets | 86.1551% | 3,431 |
| Equity capital to assets | 13.2290% | 1,289 |
| Core capital (leverage) ratio | 13.1964% | 1,061 |
| Tier 1 risk-based capital ratio | 19.6468% | 1,662 |
| Total risk-based capital ratio | 20.9169% | 1,629 |
| Memoranda: | ||
| Average total assets | $92,676,000 | 5,214 |
| Average earning assets | $79,171,500 | 5,384 |
| Average equity | $12,127,000 | 4,520 |
| Average total loans | $61,068,500 | 4,956 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7085% | 70 |
| Cost of funding earning assets | 0.4765% | 7,331 |
| Net interest margin | 7.2320% | 49 |
| Noninterest income to average assets | 1.4883% | 659 |
| Noninterest expense to average assets | 7.1404% | 151 |
| Loan and lease loss provision to assets | 0.3313% | 4,168 |
| Net operating income to assets | 0.2607% | 5,073 |
| Return on assets (ROA) | 0.2607% | 5,232 |
| Pretax return on assets | 0.1999% | 5,489 |
| Return on Equity (ROE) | 1.9938% | 5,379 |
| Retained earnings to average equity (ytd only) | 1.9938% | 4,470 |
| Net charge-offs to loans | 0.4997% | 3,620 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 1.6033% | 4,535 |
| Efficiency ratio | 93.0756% | 1,115 |
| Assets per employee ($millions) | 1.2979% | 7,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9008% | 956 |
| Loan loss allowance to noncurrent loans | 43.1551% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 7.8204% | 649 |
| Noncurrent loans to loans | 6.7218% | 865 |
| Net loans and leases to total assets | 64.4765% | 3,761 |
| Net loans and leases to deposits | 74.5131% | 4,112 |
| Net loans and leases to core deposits | 75.3103% | 4,811 |
| Total domestic deposits to total assets | 86.5305% | 3,062 |
| Equity capital to assets | 12.9441% | 1,413 |
| Core capital (leverage) ratio | 12.8292% | 1,186 |
| Tier 1 risk-based capital ratio | 18.5844% | 1,819 |
| Total risk-based capital ratio | 19.8534% | 1,785 |
| Memoranda: | ||
| Average total assets | $92,054,200 | 5,222 |
| Average earning assets | $78,705,400 | 5,393 |
| Average equity | $12,037,400 | 4,590 |
| Average total loans | $61,033,200 | 5,027 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7641% | 70 |
| Cost of funding earning assets | 0.4618% | 7,505 |
| Net interest margin | 7.3023% | 46 |
| Noninterest income to average assets | 1.6298% | 527 |
| Noninterest expense to average assets | 7.1604% | 141 |
| Loan and lease loss provision to assets | 0.4173% | 3,401 |
| Net operating income to assets | 0.2661% | 5,293 |
| Return on assets (ROA) | 0.2661% | 5,453 |
| Pretax return on assets | 0.3053% | 5,492 |
| Return on Equity (ROE) | 2.0294% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.0294% | 4,945 |
| Net charge-offs to loans | 0.6296% | 2,859 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 1.7317% | 4,408 |
| Efficiency ratio | 90.8336% | 1,219 |
| Assets per employee ($millions) | 1.2658% | 7,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9294% | 876 |
| Loan loss allowance to noncurrent loans | 53.4759% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 6.9951% | 779 |
| Noncurrent loans to loans | 5.4780% | 1,211 |
| Net loans and leases to total assets | 64.5471% | 4,009 |
| Net loans and leases to deposits | 74.8504% | 4,368 |
| Net loans and leases to core deposits | 75.6612% | 5,096 |
| Total domestic deposits to total assets | 86.2348% | 2,957 |
| Equity capital to assets | 13.0282% | 1,560 |
| Core capital (leverage) ratio | 13.1175% | 1,184 |
| Tier 1 risk-based capital ratio | 18.5638% | 1,856 |
| Total risk-based capital ratio | 19.8329% | 1,817 |
| Memoranda: | ||
| Average total assets | $91,705,750 | 5,299 |
| Average earning assets | $78,530,500 | 5,464 |
| Average equity | $12,022,750 | 4,673 |
| Average total loans | $60,778,500 | 5,111 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8835% | 68 |
| Cost of funding earning assets | 0.4594% | 7,592 |
| Net interest margin | 7.4241% | 46 |
| Noninterest income to average assets | 1.9263% | 373 |
| Noninterest expense to average assets | 7.1760% | 146 |
| Loan and lease loss provision to assets | 0.4023% | 3,308 |
| Net operating income to assets | 0.5838% | 3,937 |
| Return on assets (ROA) | 0.5838% | 4,080 |
| Pretax return on assets | 0.7084% | 4,202 |
| Return on Equity (ROE) | 4.4436% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.4436% | 3,242 |
| Net charge-offs to loans | 0.6077% | 2,712 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 2.7609% | 3,608 |
| Efficiency ratio | 86.5963% | 1,642 |
| Assets per employee ($millions) | 1.2401% | 7,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9142% | 903 |
| Loan loss allowance to noncurrent loans | 88.1057% | 3,078 |
| Noncurrent assets plus other real estate owned to assets | 5.5443% | 1,107 |
| Noncurrent loans to loans | 3.3076% | 2,421 |
| Net loans and leases to total assets | 65.3449% | 3,975 |
| Net loans and leases to deposits | 75.9412% | 4,346 |
| Net loans and leases to core deposits | 76.5198% | 5,137 |
| Total domestic deposits to total assets | 86.0466% | 3,053 |
| Equity capital to assets | 13.2102% | 1,469 |
| Core capital (leverage) ratio | 13.2654% | 1,122 |
| Tier 1 risk-based capital ratio | 18.6067% | 1,803 |
| Total risk-based capital ratio | 19.8760% | 1,774 |
| Memoranda: | ||
| Average total assets | $91,472,000 | 5,339 |
| Average earning assets | $78,366,670 | 5,496 |
| Average equity | $12,017,330 | 4,673 |
| Average total loans | $60,556,000 | 5,156 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7270% | 87 |
| Cost of funding earning assets | 0.4705% | 7,710 |
| Net interest margin | 7.2565% | 57 |
| Noninterest income to average assets | 1.9710% | 345 |
| Noninterest expense to average assets | 6.3949% | 176 |
| Loan and lease loss provision to assets | 0.3285% | 3,430 |
| Net operating income to assets | 0.9505% | 2,358 |
| Return on assets (ROA) | 0.9505% | 2,426 |
| Pretax return on assets | 1.4629% | 1,609 |
| Return on Equity (ROE) | 7.2548% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.2548% | 2,027 |
| Net charge-offs to loans | 0.5004% | 2,565 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 5.4533% | 2,395 |
| Efficiency ratio | 78.1166% | 2,873 |
| Assets per employee ($millions) | 1.2260% | 7,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0113% | 813 |
| Loan loss allowance to noncurrent loans | 59.9600% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 6.2695% | 930 |
| Noncurrent loans to loans | 5.0223% | 1,440 |
| Net loans and leases to total assets | 63.9008% | 4,352 |
| Net loans and leases to deposits | 74.3285% | 4,694 |
| Net loans and leases to core deposits | 74.3285% | 5,469 |
| Total domestic deposits to total assets | 85.9708% | 3,168 |
| Equity capital to assets | 13.3072% | 1,395 |
| Core capital (leverage) ratio | 13.2504% | 1,139 |
| Tier 1 risk-based capital ratio | 18.8249% | 1,760 |
| Total risk-based capital ratio | 20.0942% | 1,719 |
| Memoranda: | ||
| Average total assets | $91,323,000 | 5,412 |
| Average earning assets | $78,219,500 | 5,568 |
| Average equity | $11,964,500 | 4,724 |
| Average total loans | $59,950,500 | 5,247 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6228% | 114 |
| Cost of funding earning assets | 0.4922% | 7,839 |
| Net interest margin | 7.1305% | 50 |
| Noninterest income to average assets | 2.0657% | 357 |
| Noninterest expense to average assets | 7.4449% | 178 |
| Loan and lease loss provision to assets | 0.5815% | 3,471 |
| Net operating income to assets | 0.1584% | 5,030 |
| Return on assets (ROA) | 0.1584% | 5,097 |
| Pretax return on assets | 0.2474% | 4,893 |
| Return on Equity (ROE) | 1.2315% | 5,158 |
| Retained earnings to average equity (ytd only) | 1.2315% | 4,180 |
| Net charge-offs to loans | 0.9043% | 2,580 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 1.4254% | 4,699 |
| Efficiency ratio | 89.9816% | 1,709 |
| Assets per employee ($millions) | 1.1210% | 7,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9937% | 779 |
| Loan loss allowance to noncurrent loans | 66.1521% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 5.1490% | 1,170 |
| Noncurrent loans to loans | 4.5254% | 1,572 |
| Net loans and leases to total assets | 63.4534% | 4,711 |
| Net loans and leases to deposits | 73.4662% | 5,123 |
| Net loans and leases to core deposits | 77.2103% | 6,323 |
| Total domestic deposits to total assets | 86.3709% | 2,827 |
| Equity capital to assets | 12.8980% | 1,546 |
| Core capital (leverage) ratio | 13.0564% | 1,236 |
| Tier 1 risk-based capital ratio | 18.3181% | 1,805 |
| Total risk-based capital ratio | 19.5865% | 1,752 |
| Memoranda: | ||
| Average total assets | $92,170,000 | 5,326 |
| Average earning assets | $80,246,400 | 5,451 |
| Average equity | $11,855,800 | 4,787 |
| Average total loans | $59,272,600 | 5,283 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6747% | 111 |
| Cost of funding earning assets | 0.4884% | 7,947 |
| Net interest margin | 7.1863% | 47 |
| Noninterest income to average assets | 2.1640% | 326 |
| Noninterest expense to average assets | 7.2381% | 192 |
| Loan and lease loss provision to assets | 0.6563% | 2,781 |
| Net operating income to assets | 0.4395% | 4,233 |
| Return on assets (ROA) | 0.4395% | 4,339 |
| Pretax return on assets | 0.5450% | 4,374 |
| Return on Equity (ROE) | 3.4188% | 4,614 |
| Retained earnings to average equity (ytd only) | 3.4188% | 3,383 |
| Net charge-offs to loans | 1.0249% | 1,925 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 1.8304% | 4,434 |
| Efficiency ratio | 85.7657% | 2,088 |
| Assets per employee ($millions) | 1.1115% | 8,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0106% | 664 |
| Loan loss allowance to noncurrent loans | 91.4170% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 3.8522% | 1,674 |
| Noncurrent loans to loans | 3.2932% | 2,293 |
| Net loans and leases to total assets | 62.8553% | 5,097 |
| Net loans and leases to deposits | 73.0147% | 5,507 |
| Net loans and leases to core deposits | 77.0946% | 6,553 |
| Total domestic deposits to total assets | 86.0858% | 2,664 |
| Equity capital to assets | 13.0222% | 1,686 |
| Core capital (leverage) ratio | 13.0044% | 1,376 |
| Tier 1 risk-based capital ratio | 19.1093% | 1,719 |
| Total risk-based capital ratio | 20.3786% | 1,681 |
| Memoranda: | ||
| Average total assets | $92,232,250 | 5,358 |
| Average earning assets | $80,539,750 | 5,479 |
| Average equity | $11,855,750 | 4,833 |
| Average total loans | $59,059,000 | 5,335 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7674% | 115 |
| Cost of funding earning assets | 0.4594% | 8,055 |
| Net interest margin | 7.3080% | 46 |
| Noninterest income to average assets | 1.9843% | 379 |
| Noninterest expense to average assets | 7.2584% | 199 |
| Loan and lease loss provision to assets | 0.7373% | 2,223 |
| Net operating income to assets | 0.3643% | 4,638 |
| Return on assets (ROA) | 0.3643% | 4,740 |
| Pretax return on assets | 0.3708% | 5,016 |
| Return on Equity (ROE) | 2.8467% | 4,958 |
| Retained earnings to average equity (ytd only) | 2.8467% | 3,740 |
| Net charge-offs to loans | 1.1562% | 1,574 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.5029% | 4,410 |
| Efficiency ratio | 86.7548% | 2,149 |
| Assets per employee ($millions) | 1.2143% | 8,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9787% | 577 |
| Loan loss allowance to noncurrent loans | 65.1702% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 4.4760% | 1,250 |
| Noncurrent loans to loans | 4.5706% | 1,404 |
| Net loans and leases to total assets | 65.2481% | 4,713 |
| Net loans and leases to deposits | 76.1083% | 5,159 |
| Net loans and leases to core deposits | 79.0215% | 6,483 |
| Total domestic deposits to total assets | 85.7307% | 2,914 |
| Equity capital to assets | 13.2188% | 1,594 |
| Core capital (leverage) ratio | 13.0188% | 1,423 |
| Tier 1 risk-based capital ratio | 18.6526% | 1,851 |
| Total risk-based capital ratio | 19.9215% | 1,796 |
| Memoranda: | ||
| Average total assets | $92,223,670 | 5,398 |
| Average earning assets | $80,541,330 | 5,514 |
| Average equity | $11,803,000 | 4,869 |
| Average total loans | $58,815,670 | 5,389 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6319% | 142 |
| Cost of funding earning assets | 0.4651% | 8,110 |
| Net interest margin | 7.1669% | 50 |
| Noninterest income to average assets | 1.6744% | 486 |
| Noninterest expense to average assets | 7.0701% | 201 |
| Loan and lease loss provision to assets | 0.4068% | 2,886 |
| Net operating income to assets | 0.4753% | 4,537 |
| Return on assets (ROA) | 0.4753% | 4,727 |
| Pretax return on assets | 0.4668% | 5,188 |
| Return on Equity (ROE) | 3.7737% | 5,044 |
| Retained earnings to average equity (ytd only) | 3.7737% | 3,796 |
| Net charge-offs to loans | 0.6551% | 1,875 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 2.1474% | 3,661 |
| Efficiency ratio | 89.0027% | 1,807 |
| Assets per employee ($millions) | 1.1356% | 8,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0726% | 454 |
| Loan loss allowance to noncurrent loans | 61.8769% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 4.4824% | 1,079 |
| Noncurrent loans to loans | 4.9657% | 1,098 |
| Net loans and leases to total assets | 61.7323% | 5,383 |
| Net loans and leases to deposits | 71.7742% | 5,771 |
| Net loans and leases to core deposits | 73.6214% | 6,826 |
| Total domestic deposits to total assets | 86.0091% | 2,715 |
| Equity capital to assets | 12.8516% | 1,807 |
| Core capital (leverage) ratio | 12.6124% | 1,642 |
| Tier 1 risk-based capital ratio | 18.6275% | 1,896 |
| Total risk-based capital ratio | 19.8976% | 1,843 |
| Memoranda: | ||
| Average total assets | $93,407,000 | 5,389 |
| Average earning assets | $81,709,500 | 5,494 |
| Average equity | $11,765,500 | 4,911 |
| Average total loans | $58,008,500 | 5,451 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1280% | 161 |
| Cost of funding earning assets | 0.8477% | 8,110 |
| Net interest margin | 7.2803% | 49 |
| Noninterest income to average assets | 1.6416% | 512 |
| Noninterest expense to average assets | 6.5302% | 331 |
| Loan and lease loss provision to assets | 0.2523% | 4,398 |
| Net operating income to assets | 0.7521% | 3,658 |
| Return on assets (ROA) | 0.7521% | 3,494 |
| Pretax return on assets | 1.2086% | 2,607 |
| Return on Equity (ROE) | 6.6170% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.6170% | 1,288 |
| Net charge-offs to loans | 0.4478% | 2,588 |
| Credit loss provision to net charge-offs | 100.0000% | 5,290 |
| Earnings coverage of net charge-offs (x) | 5.7899% | 3,533 |
| Efficiency ratio | 81.7177% | 2,340 |
| Assets per employee ($millions) | 1.2316% | 8,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1340% | 390 |
| Loan loss allowance to noncurrent loans | 103.3889% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 3.0517% | 1,504 |
| Noncurrent loans to loans | 3.0313% | 1,766 |
| Net loans and leases to total assets | 58.6663% | 6,111 |
| Net loans and leases to deposits | 68.0159% | 6,462 |
| Net loans and leases to core deposits | 69.6160% | 7,210 |
| Total domestic deposits to total assets | 86.2537% | 2,287 |
| Equity capital to assets | 12.3480% | 2,084 |
| Core capital (leverage) ratio | 11.7835% | 2,084 |
| Tier 1 risk-based capital ratio | 18.5308% | 1,910 |
| Total risk-based capital ratio | 19.8000% | 1,856 |
| Memoranda: | ||
| Average total assets | $101,849,600 | 4,999 |
| Average earning assets | $88,828,600 | 5,123 |
| Average equity | $11,576,200 | 4,945 |
| Average total loans | $57,386,000 | 5,388 |