Home > BankFlorida > Performance and Condition Ratios
BankFlorida, 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 | 5.5171% | 1,131 |
| Cost of funding earning assets | 2.1121% | 757 |
| Net interest margin | 3.4050% | 2,399 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.3616% | 2,691 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 0.5198% | 3,629 |
| Return on assets (ROA) | 0.4835% | 3,701 |
| Pretax return on assets | 0.6520% | 3,532 |
| Return on Equity (ROE) | 4.0700% | 3,874 |
| Retained earnings to average equity (ytd only) | 4.0661% | 2,936 |
| Net charge-offs to loans | 0.0046% | 2,555 |
| Credit loss provision to net charge-offs | 4,918.1818% | 112 |
| Earnings coverage of net charge-offs (x) | 255.0000% | 489 |
| Efficiency ratio | 72.6688% | 1,593 |
| Assets per employee ($millions) | 7.1439% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,548 |
| Loan loss allowance to noncurrent loans | 20,800.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 3,776 |
| Noncurrent loans to loans | 0.0065% | 3,729 |
| Net loans and leases to total assets | 75.1500% | 1,219 |
| Net loans and leases to deposits | 92.0247% | 1,092 |
| Net loans and leases to core deposits | 100.7898% | 1,382 |
| Total domestic deposits to total assets | 81.6600% | 3,188 |
| Equity capital to assets | 12.0065% | 1,120 |
| Core capital (leverage) ratio | 12.4423% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4880% | 1,398 |
| Memoranda: | ||
| Average total assets | $315,808,000 | 2,340 |
| Average earning assets | $292,980,000 | 2,343 |
| Average equity | $37,554,000 | 1,955 |
| Average total loans | $237,756,400 | 2,070 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3703% | 1,181 |
| Cost of funding earning assets | 1.8944% | 868 |
| Net interest margin | 3.4759% | 2,265 |
| Noninterest income to average assets | 0.0600% | 4,432 |
| Noninterest expense to average assets | 2.3439% | 2,669 |
| Loan and lease loss provision to assets | 0.1900% | 580 |
| Net operating income to assets | 0.5571% | 3,649 |
| Return on assets (ROA) | 0.5085% | 3,745 |
| Pretax return on assets | 0.6993% | 3,552 |
| Return on Equity (ROE) | 4.2900% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.2867% | 3,181 |
| Net charge-offs to loans | 0.0062% | 2,216 |
| Credit loss provision to net charge-offs | 3,554.5455% | 140 |
| Earnings coverage of net charge-offs (x) | 204.0909% | 590 |
| Efficiency ratio | 71.1143% | 1,664 |
| Assets per employee ($millions) | 7.1909% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 1,723 |
| Loan loss allowance to noncurrent loans | 7,222.7273% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 3,705 |
| Noncurrent loans to loans | 0.0185% | 3,640 |
| Net loans and leases to total assets | 72.7000% | 1,498 |
| Net loans and leases to deposits | 88.6010% | 1,333 |
| Net loans and leases to core deposits | 97.2885% | 1,492 |
| Total domestic deposits to total assets | 82.0600% | 3,196 |
| Equity capital to assets | 11.5671% | 1,162 |
| Core capital (leverage) ratio | 12.5176% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7859% | 1,635 |
| Memoranda: | ||
| Average total assets | $314,391,000 | 2,349 |
| Average earning assets | $292,291,000 | 2,349 |
| Average equity | $37,293,000 | 1,954 |
| Average total loans | $235,967,250 | 2,075 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 1,210 |
| Cost of funding earning assets | 1.6019% | 1,062 |
| Net interest margin | 3.6021% | 2,036 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.3236% | 2,731 |
| Loan and lease loss provision to assets | 0.1900% | 566 |
| Net operating income to assets | 0.6665% | 3,417 |
| Return on assets (ROA) | 0.5930% | 3,599 |
| Pretax return on assets | 0.8152% | 3,372 |
| Return on Equity (ROE) | 4.9600% | 3,880 |
| Retained earnings to average equity (ytd only) | 4.9561% | 2,950 |
| Net charge-offs to loans | 0.0094% | 1,858 |
| Credit loss provision to net charge-offs | 2,190.9091% | 241 |
| Earnings coverage of net charge-offs (x) | 155.9091% | 737 |
| Efficiency ratio | 67.8357% | 2,001 |
| Assets per employee ($millions) | 7.2558% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 1,855 |
| Loan loss allowance to noncurrent loans | 4,262.5000% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 3,579 |
| Noncurrent loans to loans | 0.0309% | 3,522 |
| Net loans and leases to total assets | 73.7200% | 1,326 |
| Net loans and leases to deposits | 90.5777% | 1,135 |
| Net loans and leases to core deposits | 95.7128% | 1,479 |
| Total domestic deposits to total assets | 81.3800% | 3,362 |
| Equity capital to assets | 12.0792% | 1,026 |
| Core capital (leverage) ratio | 12.9880% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2538% | 1,495 |
| Memoranda: | ||
| Average total assets | $311,324,333 | 2,375 |
| Average earning assets | $290,162,333 | 2,368 |
| Average equity | $37,247,333 | 1,970 |
| Average total loans | $235,142,333 | 2,076 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 1,285 |
| Cost of funding earning assets | 1.1193% | 1,698 |
| Net interest margin | 3.8516% | 1,574 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 2.3088% | 2,788 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 0.8749% | 2,942 |
| Return on assets (ROA) | 0.7306% | 3,359 |
| Pretax return on assets | 0.9891% | 3,026 |
| Return on Equity (ROE) | 6.1400% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.1360% | 2,725 |
| Net charge-offs to loans | 0.0186% | 1,307 |
| Credit loss provision to net charge-offs | 1,000.0000% | 351 |
| Earnings coverage of net charge-offs (x) | 96.5455% | 802 |
| Efficiency ratio | 62.8281% | 2,592 |
| Assets per employee ($millions) | 7.3138% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2274% | 2,409 |
| Loan loss allowance to noncurrent loans | 3,264.4444% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,478 |
| Noncurrent loans to loans | 0.0376% | 3,480 |
| Net loans and leases to total assets | 78.8400% | 670 |
| Net loans and leases to deposits | 98.0382% | 534 |
| Net loans and leases to core deposits | 104.4907% | 897 |
| Total domestic deposits to total assets | 80.4200% | 3,715 |
| Equity capital to assets | 12.5376% | 859 |
| Core capital (leverage) ratio | 13.4476% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1350% | 1,590 |
| Memoranda: | ||
| Average total assets | $310,987,500 | 2,404 |
| Average earning assets | $290,893,500 | 2,394 |
| Average equity | $37,027,500 | 2,008 |
| Average total loans | $236,182,500 | 2,089 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3680% | 936 |
| Cost of funding earning assets | 0.4212% | 1,931 |
| Net interest margin | 3.9468% | 863 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 2.2480% | 2,902 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 0.9502% | 2,770 |
| Return on assets (ROA) | 0.9502% | 2,717 |
| Pretax return on assets | 1.2766% | 2,176 |
| Return on Equity (ROE) | 8.6800% | 3,205 |
| Retained earnings to average equity (ytd only) | 8.6753% | 1,575 |
| Net charge-offs to loans | -0.0037% | 3,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.2852% | 3,299 |
| Assets per employee ($millions) | 8.2592% | 1,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,372 |
| Loan loss allowance to noncurrent loans | 2,717.4757% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,488 |
| Noncurrent loans to loans | 0.0442% | 3,443 |
| Net loans and leases to total assets | 71.4700% | 1,474 |
| Net loans and leases to deposits | 80.7938% | 1,710 |
| Net loans and leases to core deposits | 86.6231% | 1,701 |
| Total domestic deposits to total assets | 88.4600% | 1,908 |
| Equity capital to assets | 11.3189% | 1,137 |
| Core capital (leverage) ratio | 11.6904% | 1,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2709% | 1,543 |
| Memoranda: | ||
| Average total assets | $300,884,600 | 2,449 |
| Average earning assets | $286,331,600 | 2,408 |
| Average equity | $32,955,600 | 2,198 |
| Average total loans | $213,568,000 | 2,145 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0775% | 1,106 |
| Cost of funding earning assets | 0.3303% | 1,861 |
| Net interest margin | 3.7472% | 1,042 |
| Noninterest income to average assets | 0.1500% | 4,253 |
| Noninterest expense to average assets | 2.2541% | 2,778 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 0.8760% | 2,979 |
| Return on assets (ROA) | 0.8760% | 2,948 |
| Pretax return on assets | 1.1602% | 2,523 |
| Return on Equity (ROE) | 8.0700% | 3,308 |
| Retained earnings to average equity (ytd only) | 8.0713% | 1,972 |
| Net charge-offs to loans | -0.0051% | 3,488 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.4305% | 3,063 |
| Assets per employee ($millions) | 8.4793% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 3,214 |
| Loan loss allowance to noncurrent loans | 337.7027% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 2,083 |
| Noncurrent loans to loans | 0.3133% | 2,125 |
| Net loans and leases to total assets | 72.5200% | 1,229 |
| Net loans and leases to deposits | 81.8612% | 1,453 |
| Net loans and leases to core deposits | 83.3368% | 1,701 |
| Total domestic deposits to total assets | 88.5900% | 2,247 |
| Equity capital to assets | 11.0014% | 1,177 |
| Core capital (leverage) ratio | 11.2996% | 1,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9789% | 1,435 |
| Memoranda: | ||
| Average total assets | $295,578,750 | 2,490 |
| Average earning assets | $282,162,500 | 2,450 |
| Average equity | $32,079,750 | 2,270 |
| Average total loans | $208,710,000 | 2,178 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 1,574 |
| Cost of funding earning assets | 0.2974% | 1,732 |
| Net interest margin | 3.3868% | 1,644 |
| Noninterest income to average assets | 0.1123% | 4,436 |
| Noninterest expense to average assets | 2.1904% | 2,893 |
| Loan and lease loss provision to assets | 0.2790% | 241 |
| Net operating income to assets | 0.6529% | 3,465 |
| Return on assets (ROA) | 0.6529% | 3,416 |
| Pretax return on assets | 0.8762% | 3,132 |
| Return on Equity (ROE) | 6.0471% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.0471% | 2,322 |
| Net charge-offs to loans | -0.0080% | 3,506 |
| Credit loss provision to net charge-offs | -5,000.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4712% | 2,585 |
| Assets per employee ($millions) | 7.6221% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 3,666 |
| Loan loss allowance to noncurrent loans | 1,427.9221% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,455 |
| Noncurrent loans to loans | 0.0689% | 3,454 |
| Net loans and leases to total assets | 76.3761% | 691 |
| Net loans and leases to deposits | 87.1083% | 900 |
| Net loans and leases to core deposits | 92.0808% | 1,016 |
| Total domestic deposits to total assets | 87.6795% | 2,702 |
| Equity capital to assets | 12.1955% | 820 |
| Core capital (leverage) ratio | 12.7492% | 891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8118% | 1,478 |
| Memoranda: | ||
| Average total assets | $286,700,000 | 2,551 |
| Average earning assets | $273,709,333 | 2,518 |
| Average equity | $30,957,000 | 2,374 |
| Average total loans | $199,557,667 | 2,240 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3783% | 2,152 |
| Cost of funding earning assets | 0.2891% | 1,748 |
| Net interest margin | 3.0892% | 2,209 |
| Noninterest income to average assets | 0.1206% | 4,404 |
| Noninterest expense to average assets | 2.2073% | 2,820 |
| Loan and lease loss provision to assets | 0.2104% | 338 |
| Net operating income to assets | 0.4936% | 3,733 |
| Return on assets (ROA) | 0.4936% | 3,697 |
| Pretax return on assets | 0.6549% | 3,507 |
| Return on Equity (ROE) | 4.8933% | 3,654 |
| Retained earnings to average equity (ytd only) | 4.8933% | 2,629 |
| Net charge-offs to loans | -0.0128% | 3,689 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8393% | 1,996 |
| Assets per employee ($millions) | 8.3008% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 3,866 |
| Loan loss allowance to noncurrent loans | 1,099.4350% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 3,464 |
| Noncurrent loans to loans | 0.0876% | 3,400 |
| Net loans and leases to total assets | 66.9284% | 1,318 |
| Net loans and leases to deposits | 74.1114% | 1,601 |
| Net loans and leases to core deposits | 80.2069% | 1,462 |
| Total domestic deposits to total assets | 90.3078% | 1,382 |
| Equity capital to assets | 9.5694% | 2,230 |
| Core capital (leverage) ratio | 10.3983% | 1,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2696% | 2,087 |
| Memoranda: | ||
| Average total assets | $285,230,500 | 2,577 |
| Average earning assets | $272,563,500 | 2,536 |
| Average equity | $28,774,000 | 2,546 |
| Average total loans | $187,629,500 | 2,310 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5454% | 2,527 |
| Cost of funding earning assets | 0.4297% | 1,334 |
| Net interest margin | 3.1158% | 2,857 |
| Noninterest income to average assets | 0.1228% | 4,524 |
| Noninterest expense to average assets | 2.4092% | 2,464 |
| Loan and lease loss provision to assets | 0.2591% | 349 |
| Net operating income to assets | 0.2978% | 4,422 |
| Return on assets (ROA) | 0.2978% | 4,447 |
| Pretax return on assets | 0.3887% | 4,404 |
| Return on Equity (ROE) | 2.5418% | 4,436 |
| Retained earnings to average equity (ytd only) | 2.5418% | 3,820 |
| Net charge-offs to loans | -0.0167% | 3,917 |
| Credit loss provision to net charge-offs | -2,375.0000% | 4,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8073% | 884 |
| Assets per employee ($millions) | 7.3415% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,624 |
| Loan loss allowance to noncurrent loans | 526.4706% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 3,062 |
| Noncurrent loans to loans | 0.1962% | 2,967 |
| Net loans and leases to total assets | 63.1449% | 1,803 |
| Net loans and leases to deposits | 70.7624% | 2,043 |
| Net loans and leases to core deposits | 77.9905% | 1,761 |
| Total domestic deposits to total assets | 89.2351% | 1,390 |
| Equity capital to assets | 10.6585% | 2,040 |
| Core capital (leverage) ratio | 11.5380% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9190% | 2,273 |
| Memoranda: | ||
| Average total assets | $219,952,400 | 2,904 |
| Average earning assets | $207,140,600 | 2,903 |
| Average equity | $25,769,000 | 2,796 |
| Average total loans | $143,928,800 | 2,691 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5393% | 2,721 |
| Cost of funding earning assets | 0.4803% | 1,156 |
| Net interest margin | 3.0591% | 3,151 |
| Noninterest income to average assets | 0.1140% | 4,604 |
| Noninterest expense to average assets | 2.5058% | 2,102 |
| Loan and lease loss provision to assets | 0.2705% | 315 |
| Net operating income to assets | 0.1597% | 4,657 |
| Return on assets (ROA) | 0.1597% | 4,677 |
| Pretax return on assets | 0.2048% | 4,662 |
| Return on Equity (ROE) | 1.3241% | 4,666 |
| Retained earnings to average equity (ytd only) | 1.3241% | 4,348 |
| Net charge-offs to loans | -0.0176% | 3,923 |
| Credit loss provision to net charge-offs | -2,333.3333% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0570% | 512 |
| Assets per employee ($millions) | 6.6855% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,702 |
| Loan loss allowance to noncurrent loans | 742.7273% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.0940% | 3,473 |
| Noncurrent loans to loans | 0.1403% | 3,408 |
| Net loans and leases to total assets | 66.3380% | 1,503 |
| Net loans and leases to deposits | 75.5933% | 1,709 |
| Net loans and leases to core deposits | 86.1028% | 1,283 |
| Total domestic deposits to total assets | 87.7565% | 1,968 |
| Equity capital to assets | 12.1042% | 1,358 |
| Core capital (leverage) ratio | 12.1780% | 1,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0937% | 1,332 |
| Memoranda: | ||
| Average total assets | $207,032,000 | 3,043 |
| Average earning assets | $194,042,250 | 3,037 |
| Average equity | $24,973,250 | 2,886 |
| Average total loans | $136,582,750 | 2,804 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4818% | 2,933 |
| Cost of funding earning assets | 0.5183% | 1,102 |
| Net interest margin | 2.9635% | 3,409 |
| Noninterest income to average assets | 0.1192% | 4,601 |
| Noninterest expense to average assets | 2.5631% | 1,956 |
| Loan and lease loss provision to assets | 0.2727% | 337 |
| Net operating income to assets | 0.0434% | 4,754 |
| Return on assets (ROA) | 0.0434% | 4,763 |
| Pretax return on assets | 0.0495% | 4,760 |
| Return on Equity (ROE) | 0.3605% | 4,765 |
| Retained earnings to average equity (ytd only) | 0.3605% | 4,455 |
| Net charge-offs to loans | -0.0185% | 3,961 |
| Credit loss provision to net charge-offs | -2,250.0000% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8344% | 373 |
| Assets per employee ($millions) | 6.5833% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9963% | 3,833 |
| Loan loss allowance to noncurrent loans | 610.7438% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 3,485 |
| Noncurrent loans to loans | 0.1631% | 3,397 |
| Net loans and leases to total assets | 67.6049% | 1,501 |
| Net loans and leases to deposits | 76.5045% | 1,768 |
| Net loans and leases to core deposits | 87.8741% | 1,272 |
| Total domestic deposits to total assets | 88.3673% | 1,635 |
| Equity capital to assets | 11.4781% | 1,647 |
| Core capital (leverage) ratio | 11.2983% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9874% | 1,980 |
| Memoranda: | ||
| Average total assets | $198,044,667 | 3,116 |
| Average earning assets | $184,849,000 | 3,105 |
| Average equity | $23,856,667 | 2,946 |
| Average total loans | $129,823,333 | 2,905 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3768% | 3,266 |
| Cost of funding earning assets | 0.5811% | 957 |
| Net interest margin | 2.7957% | 3,774 |
| Noninterest income to average assets | 0.0785% | 4,766 |
| Noninterest expense to average assets | 2.7552% | 1,478 |
| Loan and lease loss provision to assets | 0.3184% | 279 |
| Net operating income to assets | -0.2908% | 4,863 |
| Return on assets (ROA) | -0.2908% | 4,867 |
| Pretax return on assets | -0.4012% | 4,876 |
| Return on Equity (ROE) | -2.3502% | 4,867 |
| Retained earnings to average equity (ytd only) | -2.3502% | 4,564 |
| Net charge-offs to loans | -0.0199% | 3,994 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0977% | 162 |
| Assets per employee ($millions) | 6.1625% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0180% | 3,776 |
| Loan loss allowance to noncurrent loans | 235.1304% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 2,737 |
| Noncurrent loans to loans | 0.4330% | 2,561 |
| Net loans and leases to total assets | 64.6407% | 1,963 |
| Net loans and leases to deposits | 73.1530% | 2,198 |
| Net loans and leases to core deposits | 80.3035% | 1,975 |
| Total domestic deposits to total assets | 88.3637% | 1,671 |
| Equity capital to assets | 11.5065% | 1,540 |
| Core capital (leverage) ratio | 12.6886% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1989% | 1,249 |
| Memoranda: | ||
| Average total assets | $188,442,500 | 3,180 |
| Average earning assets | $174,841,000 | 3,168 |
| Average equity | $23,317,000 | 2,973 |
| Average total loans | $120,560,500 | 3,010 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 4,151 |
| Cost of funding earning assets | 0.9805% | 640 |
| Net interest margin | 2.4546% | 4,624 |
| Noninterest income to average assets | 0.1196% | 4,672 |
| Noninterest expense to average assets | 3.3652% | 830 |
| Loan and lease loss provision to assets | 0.4524% | 616 |
| Net operating income to assets | -1.0696% | 4,937 |
| Return on assets (ROA) | -1.2274% | 4,945 |
| Pretax return on assets | -1.6326% | 4,950 |
| Return on Equity (ROE) | -9.9377% | 4,944 |
| Retained earnings to average equity (ytd only) | -9.9377% | 4,912 |
| Net charge-offs to loans | -0.0346% | 4,580 |
| Credit loss provision to net charge-offs | -2,053.5714% | 4,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.1085% | 43 |
| Assets per employee ($millions) | 5.7840% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 3,443 |
| Loan loss allowance to noncurrent loans | 192.5926% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 2,552 |
| Noncurrent loans to loans | 0.5733% | 2,263 |
| Net loans and leases to total assets | 61.7314% | 2,646 |
| Net loans and leases to deposits | 71.6981% | 2,715 |
| Net loans and leases to core deposits | 80.9389% | 2,281 |
| Total domestic deposits to total assets | 86.0991% | 2,323 |
| Equity capital to assets | 13.3897% | 969 |
| Core capital (leverage) ratio | 13.7877% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8198% | 792 |
| Memoranda: | ||
| Average total assets | $127,094,400 | 3,669 |
| Average earning assets | $117,289,600 | 3,659 |
| Average equity | $15,697,800 | 3,586 |
| Average total loans | $80,966,800 | 3,536 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 4,153 |
| Cost of funding earning assets | 1.0885% | 560 |
| Net interest margin | 2.4406% | 4,695 |
| Noninterest income to average assets | 0.1154% | 4,698 |
| Noninterest expense to average assets | 3.5108% | 698 |
| Loan and lease loss provision to assets | 0.4615% | 680 |
| Net operating income to assets | -1.2091% | 4,959 |
| Return on assets (ROA) | -1.4408% | 4,972 |
| Pretax return on assets | -1.9061% | 4,985 |
| Return on Equity (ROE) | -12.0457% | 4,973 |
| Retained earnings to average equity (ytd only) | -12.0457% | 4,948 |
| Net charge-offs to loans | -0.0432% | 4,632 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.7769% | 40 |
| Assets per employee ($millions) | 5.7568% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,595 |
| Loan loss allowance to noncurrent loans | 158.1649% | 2,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 2,402 |
| Noncurrent loans to loans | 0.7667% | 1,897 |
| Net loans and leases to total assets | 57.5663% | 3,461 |
| Net loans and leases to deposits | 67.7771% | 3,486 |
| Net loans and leases to core deposits | 101.9479% | 1,031 |
| Total domestic deposits to total assets | 84.9348% | 2,472 |
| Equity capital to assets | 14.3176% | 780 |
| Core capital (leverage) ratio | 15.2389% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.1097% | 404 |
| Memoranda: | ||
| Average total assets | $115,487,750 | 3,796 |
| Average earning assets | $106,198,750 | 3,818 |
| Average equity | $13,813,750 | 3,783 |
| Average total loans | $74,130,250 | 3,675 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 4,080 |
| Cost of funding earning assets | 1.2056% | 492 |
| Net interest margin | 2.4990% | 4,738 |
| Noninterest income to average assets | 0.1396% | 4,605 |
| Noninterest expense to average assets | 3.5563% | 692 |
| Loan and lease loss provision to assets | 0.6131% | 515 |
| Net operating income to assets | -1.2508% | 4,982 |
| Return on assets (ROA) | -1.2508% | 4,983 |
| Pretax return on assets | -1.7225% | 4,997 |
| Return on Equity (ROE) | -11.4809% | 4,996 |
| Retained earnings to average equity (ytd only) | -11.4809% | 4,939 |
| Net charge-offs to loans | -0.0564% | 4,715 |
| Credit loss provision to net charge-offs | -1,625.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 145.3354% | 44 |
| Assets per employee ($millions) | 5.0365% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2497% | 2,253 |
| Loan loss allowance to noncurrent loans | 58.4788% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3270% | 770 |
| Noncurrent loans to loans | 2.1371% | 597 |
| Net loans and leases to total assets | 61.3169% | 3,187 |
| Net loans and leases to deposits | 71.4893% | 3,306 |
| Net loans and leases to core deposits | 103.5139% | 1,033 |
| Total domestic deposits to total assets | 85.7707% | 2,106 |
| Equity capital to assets | 13.2821% | 1,049 |
| Core capital (leverage) ratio | 14.2409% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5905% | 420 |
| Memoranda: | ||
| Average total assets | $106,010,000 | 3,910 |
| Average earning assets | $97,879,333 | 3,912 |
| Average equity | $11,549,667 | 4,038 |
| Average total loans | $70,884,667 | 3,734 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9399% | 3,958 |
| Cost of funding earning assets | 1.4251% | 357 |
| Net interest margin | 2.5148% | 4,816 |
| Noninterest income to average assets | 0.1988% | 4,363 |
| Noninterest expense to average assets | 2.9256% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2840% | 4,884 |
| Return on assets (ROA) | -0.2840% | 4,856 |
| Pretax return on assets | -0.4139% | 4,866 |
| Return on Equity (ROE) | -3.0117% | 4,871 |
| Retained earnings to average equity (ytd only) | -3.0117% | 4,353 |
| Net charge-offs to loans | -0.0814% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.4782% | 117 |
| Assets per employee ($millions) | 7.1280% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9033% | 4,093 |
| Loan loss allowance to noncurrent loans | 78.2216% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7258% | 1,852 |
| Noncurrent loans to loans | 1.1548% | 1,438 |
| Net loans and leases to total assets | 62.2830% | 3,272 |
| Net loans and leases to deposits | 70.0433% | 3,589 |
| Net loans and leases to core deposits | 83.9697% | 2,856 |
| Total domestic deposits to total assets | 88.9207% | 699 |
| Equity capital to assets | 9.7437% | 4,001 |
| Core capital (leverage) ratio | 10.6919% | 2,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7280% | 1,678 |
| Memoranda: | ||
| Average total assets | $98,576,500 | 4,015 |
| Average earning assets | $90,662,500 | 4,016 |
| Average equity | $9,297,000 | 4,332 |
| Average total loans | $68,799,000 | 3,788 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 1,877 |
| Cost of funding earning assets | 1.6011% | 299 |
| Net interest margin | 3.2549% | 4,073 |
| Noninterest income to average assets | 0.1425% | 4,763 |
| Noninterest expense to average assets | 5.1516% | 196 |
| Loan and lease loss provision to assets | -0.2137% | 5,121 |
| Net operating income to assets | -1.3288% | 5,109 |
| Return on assets (ROA) | -1.3288% | 5,114 |
| Pretax return on assets | -1.8474% | 5,126 |
| Return on Equity (ROE) | -13.9300% | 5,142 |
| Retained earnings to average equity (ytd only) | -13.9300% | 5,109 |
| Net charge-offs to loans | 0.0731% | 2,051 |
| Credit loss provision to net charge-offs | -384.0000% | 4,384 |
| Earnings coverage of net charge-offs (x) | -37.0400% | 3,710 |
| Efficiency ratio | 166.6907% | 32 |
| Assets per employee ($millions) | 5.6396% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8424% | 4,180 |
| Loan loss allowance to noncurrent loans | 75.0633% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 1,457 |
| Noncurrent loans to loans | 1.1222% | 1,348 |
| Net loans and leases to total assets | 77.3608% | 1,187 |
| Net loans and leases to deposits | 87.0756% | 1,960 |
| Net loans and leases to core deposits | 101.9081% | 1,412 |
| Total domestic deposits to total assets | 88.8433% | 727 |
| Equity capital to assets | 9.0610% | 4,652 |
| Core capital (leverage) ratio | 8.4794% | 4,854 |
| Tier 1 risk-based capital ratio | 11.1665% | 4,791 |
| Total risk-based capital ratio | 12.0363% | 4,837 |
| Memoranda: | ||
| Average total assets | $89,855,600 | 4,149 |
| Average earning assets | $81,383,800 | 4,162 |
| Average equity | $8,571,400 | 4,437 |
| Average total loans | $68,421,400 | 3,806 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8923% | 1,845 |
| Cost of funding earning assets | 1.5968% | 306 |
| Net interest margin | 3.2955% | 4,094 |
| Noninterest income to average assets | 0.1426% | 4,826 |
| Noninterest expense to average assets | 4.5572% | 288 |
| Loan and lease loss provision to assets | -0.2852% | 5,225 |
| Net operating income to assets | -0.8244% | 5,164 |
| Return on assets (ROA) | -0.8244% | 5,167 |
| Pretax return on assets | -1.1497% | 5,184 |
| Return on Equity (ROE) | -8.5347% | 5,191 |
| Retained earnings to average equity (ytd only) | -8.5347% | 5,130 |
| Net charge-offs to loans | 0.1138% | 1,338 |
| Credit loss provision to net charge-offs | -331.0345% | 4,256 |
| Earnings coverage of net charge-offs (x) | -16.6555% | 3,435 |
| Efficiency ratio | 145.9562% | 44 |
| Assets per employee ($millions) | 5.0485% | 2,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8432% | 4,264 |
| Loan loss allowance to noncurrent loans | 70.3125% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 0.9156% | 1,479 |
| Noncurrent loans to loans | 1.1992% | 1,306 |
| Net loans and leases to total assets | 75.7068% | 1,532 |
| Net loans and leases to deposits | 91.9623% | 1,439 |
| Net loans and leases to core deposits | 108.1187% | 1,050 |
| Total domestic deposits to total assets | 82.3237% | 3,381 |
| Equity capital to assets | 9.2745% | 4,615 |
| Core capital (leverage) ratio | 8.5943% | 4,893 |
| Tier 1 risk-based capital ratio | 11.7569% | 4,541 |
| Total risk-based capital ratio | 12.6150% | 4,638 |
| Memoranda: | ||
| Average total assets | $89,761,250 | 4,203 |
| Average earning assets | $81,159,500 | 4,216 |
| Average equity | $8,670,250 | 4,470 |
| Average total loans | $67,927,250 | 3,858 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 2,348 |
| Cost of funding earning assets | 1.4890% | 391 |
| Net interest margin | 3.2149% | 4,335 |
| Noninterest income to average assets | 0.1410% | 4,867 |
| Noninterest expense to average assets | 5.0923% | 211 |
| Loan and lease loss provision to assets | -0.4251% | 5,287 |
| Net operating income to assets | -1.1657% | 5,231 |
| Return on assets (ROA) | -1.1657% | 5,234 |
| Pretax return on assets | -1.6131% | 5,250 |
| Return on Equity (ROE) | -11.9072% | 5,251 |
| Retained earnings to average equity (ytd only) | -11.9072% | 5,193 |
| Net charge-offs to loans | 0.1690% | 954 |
| Credit loss provision to net charge-offs | -333.3333% | 4,059 |
| Earnings coverage of net charge-offs (x) | -15.9825% | 3,153 |
| Efficiency ratio | 166.7399% | 34 |
| Assets per employee ($millions) | 4.5276% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8175% | 4,376 |
| Loan loss allowance to noncurrent loans | 43.5878% | 4,328 |
| Noncurrent assets plus other real estate owned to assets | 1.4188% | 824 |
| Noncurrent loans to loans | 1.8755% | 796 |
| Net loans and leases to total assets | 75.0334% | 1,718 |
| Net loans and leases to deposits | 105.5278% | 359 |
| Net loans and leases to core deposits | 123.9937% | 430 |
| Total domestic deposits to total assets | 71.1030% | 5,011 |
| Equity capital to assets | 8.9999% | 4,796 |
| Core capital (leverage) ratio | 9.5416% | 4,112 |
| Tier 1 risk-based capital ratio | 11.4749% | 4,696 |
| Total risk-based capital ratio | 12.3105% | 4,796 |
| Memoranda: | ||
| Average total assets | $89,390,670 | 4,234 |
| Average earning assets | $80,996,670 | 4,250 |
| Average equity | $8,751,000 | 4,476 |
| Average total loans | $67,442,330 | 3,894 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8651% | 1,712 |
| Cost of funding earning assets | 1.4585% | 375 |
| Net interest margin | 3.4066% | 3,872 |
| Noninterest income to average assets | 0.1849% | 4,645 |
| Noninterest expense to average assets | 5.3151% | 176 |
| Loan and lease loss provision to assets | -0.8781% | 5,353 |
| Net operating income to assets | -0.8365% | 5,277 |
| Return on assets (ROA) | -0.8365% | 5,273 |
| Pretax return on assets | -1.1647% | 5,288 |
| Return on Equity (ROE) | -8.1826% | 5,283 |
| Retained earnings to average equity (ytd only) | -8.1826% | 5,039 |
| Net charge-offs to loans | 0.4847% | 313 |
| Credit loss provision to net charge-offs | -240.5063% | 3,676 |
| Earnings coverage of net charge-offs (x) | -5.5949% | 2,711 |
| Efficiency ratio | 162.4294% | 32 |
| Assets per employee ($millions) | 4.0723% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 4,209 |
| Loan loss allowance to noncurrent loans | 40.6317% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 1.6289% | 692 |
| Noncurrent loans to loans | 2.1867% | 650 |
| Net loans and leases to total assets | 73.8289% | 1,837 |
| Net loans and leases to deposits | 93.6862% | 1,206 |
| Net loans and leases to core deposits | 107.7662% | 1,065 |
| Total domestic deposits to total assets | 78.8045% | 4,385 |
| Equity capital to assets | 10.2715% | 3,554 |
| Core capital (leverage) ratio | 9.8231% | 3,791 |
| Tier 1 risk-based capital ratio | 13.9428% | 3,367 |
| Total risk-based capital ratio | 14.8772% | 3,449 |
| Memoranda: | ||
| Average total assets | $86,546,500 | 4,318 |
| Average earning assets | $78,436,000 | 4,333 |
| Average equity | $8,848,000 | 4,491 |
| Average total loans | $65,199,000 | 3,982 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 2,240 |
| Cost of funding earning assets | 1.2250% | 305 |
| Net interest margin | 3.3423% | 4,149 |
| Noninterest income to average assets | 0.2611% | 4,370 |
| Noninterest expense to average assets | 3.7755% | 710 |
| Loan and lease loss provision to assets | -0.2295% | 5,344 |
| Net operating income to assets | -0.0746% | 5,254 |
| Return on assets (ROA) | -0.0892% | 5,255 |
| Pretax return on assets | -0.2317% | 5,271 |
| Return on Equity (ROE) | -0.8964% | 5,258 |
| Retained earnings to average equity (ytd only) | -0.8964% | 5,080 |
| Net charge-offs to loans | -0.5599% | 5,347 |
| Credit loss provision to net charge-offs | 55.2356% | 3,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2833% | 72 |
| Assets per employee ($millions) | 4.3788% | 3,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 2,290 |
| Loan loss allowance to noncurrent loans | 71.4897% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 948 |
| Noncurrent loans to loans | 1.7513% | 817 |
| Net loans and leases to total assets | 75.2041% | 1,739 |
| Net loans and leases to deposits | 91.3999% | 1,615 |
| Net loans and leases to core deposits | 109.8509% | 1,014 |
| Total domestic deposits to total assets | 82.2803% | 3,561 |
| Equity capital to assets | 10.1764% | 3,495 |
| Core capital (leverage) ratio | 9.8572% | 3,735 |
| Tier 1 risk-based capital ratio | 14.2136% | 3,199 |
| Total risk-based capital ratio | 15.4647% | 3,122 |
| Memoranda: | ||
| Average total assets | $91,935,800 | 4,235 |
| Average earning assets | $84,493,200 | 4,242 |
| Average equity | $9,147,200 | 4,444 |
| Average total loans | $68,220,800 | 3,911 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 2,104 |
| Cost of funding earning assets | 1.1614% | 306 |
| Net interest margin | 3.3988% | 4,009 |
| Noninterest income to average assets | 0.2996% | 4,145 |
| Noninterest expense to average assets | 3.4126% | 1,099 |
| Loan and lease loss provision to assets | 0.0272% | 3,465 |
| Net operating income to assets | -0.0008% | 5,300 |
| Return on assets (ROA) | -0.0201% | 5,302 |
| Pretax return on assets | -0.0315% | 5,307 |
| Return on Equity (ROE) | -0.2028% | 5,302 |
| Retained earnings to average equity (ytd only) | -0.2028% | 5,059 |
| Net charge-offs to loans | -0.2216% | 5,317 |
| Credit loss provision to net charge-offs | -16.6667% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4154% | 166 |
| Assets per employee ($millions) | 4.8751% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1480% | 2,916 |
| Loan loss allowance to noncurrent loans | 64.2224% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 1.3398% | 1,008 |
| Noncurrent loans to loans | 1.7875% | 861 |
| Net loans and leases to total assets | 74.0939% | 1,967 |
| Net loans and leases to deposits | 85.9757% | 2,372 |
| Net loans and leases to core deposits | 107.2008% | 1,215 |
| Total domestic deposits to total assets | 86.1801% | 2,108 |
| Equity capital to assets | 10.0629% | 3,576 |
| Core capital (leverage) ratio | 9.3722% | 4,310 |
| Tier 1 risk-based capital ratio | 13.5830% | 3,584 |
| Total risk-based capital ratio | 14.7975% | 3,515 |
| Memoranda: | ||
| Average total assets | $93,026,000 | 4,263 |
| Average earning assets | $85,753,750 | 4,269 |
| Average equity | $9,206,000 | 4,474 |
| Average total loans | $68,602,250 | 3,937 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 2,223 |
| Cost of funding earning assets | 1.0882% | 306 |
| Net interest margin | 3.3714% | 4,042 |
| Noninterest income to average assets | 0.5131% | 2,784 |
| Noninterest expense to average assets | 3.4178% | 1,116 |
| Loan and lease loss provision to assets | 0.0408% | 3,093 |
| Net operating income to assets | 0.1373% | 5,270 |
| Return on assets (ROA) | 0.1073% | 5,282 |
| Pretax return on assets | 0.1310% | 5,281 |
| Return on Equity (ROE) | 1.0908% | 5,263 |
| Retained earnings to average equity (ytd only) | 1.0908% | 4,734 |
| Net charge-offs to loans | -0.5005% | 5,436 |
| Credit loss provision to net charge-offs | -11.1111% | 3,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2570% | 255 |
| Assets per employee ($millions) | 4.5960% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 2,706 |
| Loan loss allowance to noncurrent loans | 68.3200% | 4,036 |
| Noncurrent assets plus other real estate owned to assets | 1.2951% | 1,092 |
| Noncurrent loans to loans | 1.7578% | 902 |
| Net loans and leases to total assets | 72.7939% | 2,151 |
| Net loans and leases to deposits | 86.1658% | 2,292 |
| Net loans and leases to core deposits | 113.5742% | 812 |
| Total domestic deposits to total assets | 84.4812% | 2,880 |
| Equity capital to assets | 9.6835% | 3,928 |
| Core capital (leverage) ratio | 9.4988% | 4,116 |
| Tier 1 risk-based capital ratio | 13.5362% | 3,596 |
| Total risk-based capital ratio | 14.7860% | 3,507 |
| Memoranda: | ||
| Average total assets | $93,159,000 | 4,295 |
| Average earning assets | $86,017,000 | 4,296 |
| Average equity | $9,167,670 | 4,517 |
| Average total loans | $68,327,000 | 3,968 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 2,174 |
| Cost of funding earning assets | 1.0244% | 328 |
| Net interest margin | 3.3832% | 3,938 |
| Noninterest income to average assets | 0.4856% | 2,894 |
| Noninterest expense to average assets | 3.3775% | 1,202 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2013% | 5,238 |
| Return on assets (ROA) | 0.2013% | 5,236 |
| Pretax return on assets | 0.2581% | 5,203 |
| Return on Equity (ROE) | 2.0214% | 5,176 |
| Retained earnings to average equity (ytd only) | 2.0214% | 4,343 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9001% | 338 |
| Assets per employee ($millions) | 4.7398% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0567% | 3,617 |
| Loan loss allowance to noncurrent loans | 91.0354% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 1,895 |
| Noncurrent loans to loans | 1.1607% | 1,565 |
| Net loans and leases to total assets | 71.2200% | 2,293 |
| Net loans and leases to deposits | 87.7932% | 1,955 |
| Net loans and leases to core deposits | 121.7130% | 534 |
| Total domestic deposits to total assets | 81.1224% | 4,170 |
| Equity capital to assets | 9.6218% | 3,973 |
| Core capital (leverage) ratio | 10.0398% | 3,484 |
| Tier 1 risk-based capital ratio | 13.2408% | 3,818 |
| Total risk-based capital ratio | 14.2785% | 3,848 |
| Memoranda: | ||
| Average total assets | $91,427,500 | 4,380 |
| Average earning assets | $85,127,000 | 4,361 |
| Average equity | $9,102,500 | 4,573 |
| Average total loans | $66,934,500 | 4,035 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4068% | 2,011 |
| Cost of funding earning assets | 0.9503% | 290 |
| Net interest margin | 3.4565% | 3,664 |
| Noninterest income to average assets | 0.3265% | 4,136 |
| Noninterest expense to average assets | 3.1317% | 1,769 |
| Loan and lease loss provision to assets | 0.0760% | 2,676 |
| Net operating income to assets | 0.5408% | 4,257 |
| Return on assets (ROA) | 0.5408% | 4,292 |
| Pretax return on assets | 0.3685% | 5,124 |
| Return on Equity (ROE) | 5.5175% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.5227% | 2,439 |
| Net charge-offs to loans | 0.0163% | 3,547 |
| Credit loss provision to net charge-offs | 609.0909% | 532 |
| Earnings coverage of net charge-offs (x) | 35.6364% | 1,358 |
| Efficiency ratio | 87.5713% | 557 |
| Assets per employee ($millions) | 5.1800% | 2,273 |
| Cash dividends to net income (ytd only)* | 18.0294% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 3,366 |
| Loan loss allowance to noncurrent loans | 79.8450% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 1.0254% | 1,495 |
| Noncurrent loans to loans | 1.3758% | 1,256 |
| Net loans and leases to total assets | 73.7156% | 1,968 |
| Net loans and leases to deposits | 89.0966% | 1,885 |
| Net loans and leases to core deposits | 126.1176% | 429 |
| Total domestic deposits to total assets | 82.7368% | 3,650 |
| Equity capital to assets | 10.3157% | 3,374 |
| Core capital (leverage) ratio | 10.4207% | 2,944 |
| Tier 1 risk-based capital ratio | 14.5743% | 3,052 |
| Total risk-based capital ratio | 15.7223% | 3,024 |
| Memoranda: | ||
| Average total assets | $88,195,600 | 4,456 |
| Average earning assets | $82,917,200 | 4,422 |
| Average equity | $8,645,200 | 4,676 |
| Average total loans | $67,567,000 | 4,018 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3323% | 2,167 |
| Cost of funding earning assets | 0.9434% | 268 |
| Net interest margin | 3.3889% | 3,887 |
| Noninterest income to average assets | 0.3355% | 4,131 |
| Noninterest expense to average assets | 3.0450% | 1,975 |
| Loan and lease loss provision to assets | 0.0635% | 2,799 |
| Net operating income to assets | 0.8085% | 3,488 |
| Return on assets (ROA) | 0.8085% | 3,538 |
| Pretax return on assets | 0.4080% | 5,173 |
| Return on Equity (ROE) | 8.3571% | 2,951 |
| Retained earnings to average equity (ytd only) | 7.0136% | 1,681 |
| Net charge-offs to loans | 0.0216% | 3,040 |
| Credit loss provision to net charge-offs | 381.8182% | 805 |
| Earnings coverage of net charge-offs (x) | 28.3565% | 1,610 |
| Efficiency ratio | 86.5922% | 595 |
| Assets per employee ($millions) | 5.2091% | 2,220 |
| Cash dividends to net income (ytd only)* | 16.0741% | 3,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0588% | 3,739 |
| Loan loss allowance to noncurrent loans | 85.8200% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.9158% | 1,866 |
| Noncurrent loans to loans | 1.2337% | 1,543 |
| Net loans and leases to total assets | 73.4456% | 2,014 |
| Net loans and leases to deposits | 86.6863% | 2,217 |
| Net loans and leases to core deposits | 112.2310% | 916 |
| Total domestic deposits to total assets | 84.7257% | 2,826 |
| Equity capital to assets | 10.3248% | 3,572 |
| Core capital (leverage) ratio | 10.1390% | 3,395 |
| Tier 1 risk-based capital ratio | 15.2101% | 2,834 |
| Total risk-based capital ratio | 16.3956% | 2,792 |
| Memoranda: | ||
| Average total assets | $88,229,500 | 4,500 |
| Average earning assets | $82,817,750 | 4,463 |
| Average equity | $8,535,500 | 4,741 |
| Average total loans | $68,050,000 | 4,042 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2189% | 2,405 |
| Cost of funding earning assets | 0.9225% | 267 |
| Net interest margin | 3.2964% | 4,118 |
| Noninterest income to average assets | 0.3699% | 3,908 |
| Noninterest expense to average assets | 2.9119% | 2,385 |
| Loan and lease loss provision to assets | 0.0953% | 2,085 |
| Net operating income to assets | 1.1121% | 1,917 |
| Return on assets (ROA) | 1.1121% | 1,966 |
| Pretax return on assets | 0.4607% | 5,069 |
| Return on Equity (ROE) | 11.7605% | 1,370 |
| Retained earnings to average equity (ytd only) | 9.5764% | 683 |
| Net charge-offs to loans | 0.0320% | 2,563 |
| Credit loss provision to net charge-offs | 381.8182% | 806 |
| Earnings coverage of net charge-offs (x) | 22.2727% | 1,716 |
| Efficiency ratio | 83.9660% | 850 |
| Assets per employee ($millions) | 5.5537% | 1,826 |
| Cash dividends to net income (ytd only)* | 18.5714% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 4,041 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,840 |
| Noncurrent assets plus other real estate owned to assets | 0.9138% | 1,930 |
| Noncurrent loans to loans | 1.1871% | 1,644 |
| Net loans and leases to total assets | 76.1971% | 1,517 |
| Net loans and leases to deposits | 90.2184% | 1,700 |
| Net loans and leases to core deposits | 101.7217% | 1,534 |
| Total domestic deposits to total assets | 84.4585% | 3,027 |
| Equity capital to assets | 10.2342% | 3,636 |
| Core capital (leverage) ratio | 10.0499% | 3,478 |
| Tier 1 risk-based capital ratio | 15.4813% | 2,712 |
| Total risk-based capital ratio | 16.6946% | 2,668 |
| Memoranda: | ||
| Average total assets | $88,121,330 | 4,522 |
| Average earning assets | $82,818,000 | 4,491 |
| Average equity | $8,333,000 | 4,793 |
| Average total loans | $68,821,670 | 4,046 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 2,031 |
| Cost of funding earning assets | 0.8978% | 287 |
| Net interest margin | 3.3778% | 3,724 |
| Noninterest income to average assets | 0.3829% | 3,788 |
| Noninterest expense to average assets | 2.6438% | 3,328 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.2153% | 220 |
| Return on assets (ROA) | 2.2153% | 224 |
| Pretax return on assets | 0.9117% | 3,722 |
| Return on Equity (ROE) | 24.4451% | 95 |
| Retained earnings to average equity (ytd only) | 24.4451% | 57 |
| Net charge-offs to loans | 0.0753% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 15.3846% | 1,678 |
| Efficiency ratio | 74.3590% | 2,169 |
| Assets per employee ($millions) | 5.9056% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 4,623 |
| Loan loss allowance to noncurrent loans | 64.2365% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 1,539 |
| Noncurrent loans to loans | 1.4538% | 1,384 |
| Net loans and leases to total assets | 78.0784% | 1,128 |
| Net loans and leases to deposits | 91.9625% | 1,329 |
| Net loans and leases to core deposits | 104.6781% | 1,180 |
| Total domestic deposits to total assets | 84.9025% | 3,125 |
| Equity capital to assets | 9.2590% | 4,557 |
| Core capital (leverage) ratio | 9.2641% | 4,392 |
| Tier 1 risk-based capital ratio | 15.0357% | 2,949 |
| Total risk-based capital ratio | 16.2272% | 2,903 |
| Memoranda: | ||
| Average total assets | $87,752,500 | 4,571 |
| Average earning assets | $82,419,500 | 4,543 |
| Average equity | $7,952,500 | 4,908 |
| Average total loans | $69,030,500 | 4,077 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 2,052 |
| Cost of funding earning assets | 0.7503% | 631 |
| Net interest margin | 3.5785% | 3,146 |
| Noninterest income to average assets | 0.3042% | 4,566 |
| Noninterest expense to average assets | 3.1041% | 2,025 |
| Loan and lease loss provision to assets | 0.2850% | 688 |
| Net operating income to assets | 0.2580% | 5,306 |
| Return on assets (ROA) | 0.2580% | 5,374 |
| Pretax return on assets | 0.2580% | 5,417 |
| Return on Equity (ROE) | 2.7735% | 5,221 |
| Retained earnings to average equity (ytd only) | 1.7110% | 4,554 |
| Net charge-offs to loans | 0.4919% | 502 |
| Credit loss provision to net charge-offs | 73.7542% | 3,072 |
| Earnings coverage of net charge-offs (x) | 1.4053% | 3,990 |
| Efficiency ratio | 85.1109% | 893 |
| Assets per employee ($millions) | 6.2086% | 1,327 |
| Cash dividends to net income (ytd only)* | 38.3085% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 4,461 |
| Loan loss allowance to noncurrent loans | 61.6311% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.2414% | 1,440 |
| Noncurrent loans to loans | 1.5811% | 1,248 |
| Net loans and leases to total assets | 77.7476% | 1,240 |
| Net loans and leases to deposits | 91.2047% | 1,547 |
| Net loans and leases to core deposits | 122.0476% | 428 |
| Total domestic deposits to total assets | 85.2452% | 2,942 |
| Equity capital to assets | 8.8621% | 4,955 |
| Core capital (leverage) ratio | 9.3578% | 4,271 |
| Tier 1 risk-based capital ratio | 13.1278% | 3,981 |
| Total risk-based capital ratio | 14.2470% | 3,981 |
| Memoranda: | ||
| Average total assets | $77,897,600 | 4,768 |
| Average earning assets | $72,768,400 | 4,741 |
| Average equity | $7,247,200 | 5,052 |
| Average total loans | $61,194,600 | 4,252 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,196 |
| Cost of funding earning assets | 0.7283% | 702 |
| Net interest margin | 3.5603% | 3,232 |
| Noninterest income to average assets | 0.3261% | 4,446 |
| Noninterest expense to average assets | 3.1622% | 1,875 |
| Loan and lease loss provision to assets | 0.2062% | 1,023 |
| Net operating income to assets | 0.2838% | 5,314 |
| Return on assets (ROA) | 0.2838% | 5,400 |
| Pretax return on assets | 0.2838% | 5,473 |
| Return on Equity (ROE) | 3.0093% | 5,216 |
| Retained earnings to average equity (ytd only) | 1.5701% | 4,881 |
| Net charge-offs to loans | 0.6753% | 287 |
| Credit loss provision to net charge-offs | 38.8704% | 3,156 |
| Earnings coverage of net charge-offs (x) | 0.9236% | 3,751 |
| Efficiency ratio | 86.5830% | 780 |
| Assets per employee ($millions) | 6.3849% | 1,184 |
| Cash dividends to net income (ytd only)* | 47.8245% | 1,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 5,115 |
| Loan loss allowance to noncurrent loans | 52.6811% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2807% | 1,505 |
| Noncurrent loans to loans | 1.5670% | 1,385 |
| Net loans and leases to total assets | 81.0539% | 749 |
| Net loans and leases to deposits | 101.4613% | 611 |
| Net loans and leases to core deposits | 124.1154% | 413 |
| Total domestic deposits to total assets | 79.8865% | 4,536 |
| Equity capital to assets | 9.2634% | 4,900 |
| Core capital (leverage) ratio | 9.7923% | 3,817 |
| Tier 1 risk-based capital ratio | 13.7503% | 3,705 |
| Total risk-based capital ratio | 14.7426% | 3,775 |
| Memoranda: | ||
| Average total assets | $75,641,750 | 4,857 |
| Average earning assets | $70,666,000 | 4,825 |
| Average equity | $7,133,250 | 5,116 |
| Average total loans | $59,432,250 | 4,350 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3140% | 2,110 |
| Cost of funding earning assets | 0.7136% | 748 |
| Net interest margin | 3.6004% | 3,095 |
| Noninterest income to average assets | 0.3689% | 4,108 |
| Noninterest expense to average assets | 3.4077% | 1,354 |
| Loan and lease loss provision to assets | 0.2350% | 848 |
| Net operating income to assets | 0.0902% | 5,679 |
| Return on assets (ROA) | 0.0902% | 5,724 |
| Pretax return on assets | 0.0902% | 5,736 |
| Return on Equity (ROE) | 0.9499% | 5,699 |
| Retained earnings to average equity (ytd only) | -1.2666% | 5,468 |
| Net charge-offs to loans | 1.0630% | 164 |
| Credit loss provision to net charge-offs | 28.5714% | 2,868 |
| Earnings coverage of net charge-offs (x) | 0.3953% | 3,524 |
| Efficiency ratio | 91.2884% | 531 |
| Assets per employee ($millions) | 5.6871% | 1,631 |
| Cash dividends to net income (ytd only)* | 233.3333% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 5,168 |
| Loan loss allowance to noncurrent loans | 37.9656% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.7533% | 1,001 |
| Noncurrent loans to loans | 2.2083% | 851 |
| Net loans and leases to total assets | 78.7302% | 1,111 |
| Net loans and leases to deposits | 93.1579% | 1,380 |
| Net loans and leases to core deposits | 106.3666% | 1,147 |
| Total domestic deposits to total assets | 84.5127% | 3,087 |
| Equity capital to assets | 8.8181% | 5,386 |
| Core capital (leverage) ratio | 9.5556% | 4,124 |
| Tier 1 risk-based capital ratio | 13.9030% | 3,660 |
| Total risk-based capital ratio | 14.9416% | 3,703 |
| Memoranda: | ||
| Average total assets | $73,187,670 | 4,955 |
| Average earning assets | $68,381,670 | 4,925 |
| Average equity | $6,948,000 | 5,205 |
| Average total loans | $56,630,330 | 4,452 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 1,777 |
| Cost of funding earning assets | 0.7327% | 684 |
| Net interest margin | 3.6757% | 2,780 |
| Noninterest income to average assets | 0.4002% | 3,830 |
| Noninterest expense to average assets | 3.7672% | 818 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0457% | 5,749 |
| Return on assets (ROA) | 0.0457% | 5,783 |
| Pretax return on assets | 0.0457% | 5,783 |
| Return on Equity (ROE) | 0.4630% | 5,774 |
| Retained earnings to average equity (ytd only) | 0.4630% | 5,001 |
| Net charge-offs to loans | 2.2498% | 63 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.0267% | 2,976 |
| Efficiency ratio | 98.8006% | 318 |
| Assets per employee ($millions) | 5.9484% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 5,260 |
| Loan loss allowance to noncurrent loans | 35.9806% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 1.7288% | 1,102 |
| Noncurrent loans to loans | 2.3302% | 851 |
| Net loans and leases to total assets | 73.5672% | 1,805 |
| Net loans and leases to deposits | 84.6970% | 2,226 |
| Net loans and leases to core deposits | 102.1495% | 1,322 |
| Total domestic deposits to total assets | 86.8592% | 2,268 |
| Equity capital to assets | 9.8962% | 4,217 |
| Core capital (leverage) ratio | 10.2406% | 3,273 |
| Tier 1 risk-based capital ratio | 14.8946% | 3,202 |
| Total risk-based capital ratio | 15.8201% | 3,295 |
| Memoranda: | ||
| Average total assets | $69,971,500 | 5,069 |
| Average earning assets | $64,966,500 | 5,050 |
| Average equity | $6,911,500 | 5,247 |
| Average total loans | $53,338,000 | 4,580 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,188 |
| Cost of funding earning assets | 0.7774% | 551 |
| Net interest margin | 3.5342% | 3,399 |
| Noninterest income to average assets | 0.6278% | 2,572 |
| Noninterest expense to average assets | 4.0208% | 654 |
| Loan and lease loss provision to assets | -0.0872% | 5,832 |
| Net operating income to assets | -0.0160% | 5,877 |
| Return on assets (ROA) | -0.0349% | 5,910 |
| Pretax return on assets | -0.0349% | 5,902 |
| Return on Equity (ROE) | -0.3635% | 5,911 |
| Retained earnings to average equity (ytd only) | -0.3635% | 5,568 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6335% | 239 |
| Assets per employee ($millions) | 6.8562% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 2,500 |
| Loan loss allowance to noncurrent loans | 47.0291% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 2.3074% | 704 |
| Noncurrent loans to loans | 2.9450% | 551 |
| Net loans and leases to total assets | 77.2658% | 1,216 |
| Net loans and leases to deposits | 89.2165% | 1,718 |
| Net loans and leases to core deposits | 108.5954% | 938 |
| Total domestic deposits to total assets | 86.6048% | 2,321 |
| Equity capital to assets | 9.8582% | 4,124 |
| Core capital (leverage) ratio | 9.6346% | 3,998 |
| Tier 1 risk-based capital ratio | 15.1298% | 3,114 |
| Total risk-based capital ratio | 16.3840% | 3,046 |
| Memoranda: | ||
| Average total assets | $68,816,600 | 5,115 |
| Average earning assets | $64,059,200 | 5,085 |
| Average equity | $6,602,600 | 5,325 |
| Average total loans | $51,184,000 | 4,633 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2911% | 2,262 |
| Cost of funding earning assets | 0.7809% | 557 |
| Net interest margin | 3.5101% | 3,497 |
| Noninterest income to average assets | 0.6272% | 2,595 |
| Noninterest expense to average assets | 3.7630% | 893 |
| Loan and lease loss provision to assets | -0.1161% | 6,026 |
| Net operating income to assets | 0.2516% | 5,573 |
| Return on assets (ROA) | 0.2265% | 5,692 |
| Pretax return on assets | 0.2265% | 5,754 |
| Return on Equity (ROE) | 2.3768% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.3768% | 4,690 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5243% | 403 |
| Assets per employee ($millions) | 5.1809% | 2,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3912% | 2,645 |
| Loan loss allowance to noncurrent loans | 31.6058% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 3.2455% | 434 |
| Noncurrent loans to loans | 4.4016% | 256 |
| Net loans and leases to total assets | 72.7072% | 1,954 |
| Net loans and leases to deposits | 83.2941% | 2,491 |
| Net loans and leases to core deposits | 97.7715% | 1,719 |
| Total domestic deposits to total assets | 87.2897% | 1,898 |
| Equity capital to assets | 9.5406% | 4,705 |
| Core capital (leverage) ratio | 9.6352% | 4,129 |
| Tier 1 risk-based capital ratio | 15.8366% | 2,878 |
| Total risk-based capital ratio | 17.0936% | 2,810 |
| Memoranda: | ||
| Average total assets | $68,880,250 | 5,180 |
| Average earning assets | $64,193,750 | 5,144 |
| Average equity | $6,563,500 | 5,400 |
| Average total loans | $50,550,250 | 4,693 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2416% | 2,388 |
| Cost of funding earning assets | 0.7830% | 549 |
| Net interest margin | 3.4586% | 3,665 |
| Noninterest income to average assets | 0.7212% | 2,125 |
| Noninterest expense to average assets | 3.9578% | 710 |
| Loan and lease loss provision to assets | -0.1773% | 6,166 |
| Net operating income to assets | 0.1655% | 5,776 |
| Return on assets (ROA) | 0.1271% | 5,884 |
| Pretax return on assets | 0.1271% | 5,908 |
| Return on Equity (ROE) | 1.3344% | 5,829 |
| Retained earnings to average equity (ytd only) | 1.3344% | 5,013 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2996% | 311 |
| Assets per employee ($millions) | 4.5091% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 2,443 |
| Loan loss allowance to noncurrent loans | 44.4710% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 2.3189% | 863 |
| Noncurrent loans to loans | 3.2886% | 560 |
| Net loans and leases to total assets | 69.4813% | 2,412 |
| Net loans and leases to deposits | 84.2601% | 2,284 |
| Net loans and leases to core deposits | 98.6286% | 1,600 |
| Total domestic deposits to total assets | 82.4606% | 4,136 |
| Equity capital to assets | 9.4932% | 4,659 |
| Core capital (leverage) ratio | 9.3038% | 4,548 |
| Tier 1 risk-based capital ratio | 13.2897% | 4,353 |
| Total risk-based capital ratio | 14.5423% | 4,278 |
| Memoranda: | ||
| Average total assets | $67,663,000 | 5,260 |
| Average earning assets | $63,090,000 | 5,223 |
| Average equity | $6,444,670 | 5,461 |
| Average total loans | $49,573,670 | 4,768 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 2,173 |
| Cost of funding earning assets | 0.7990% | 503 |
| Net interest margin | 3.4776% | 3,520 |
| Noninterest income to average assets | 0.6848% | 2,230 |
| Noninterest expense to average assets | 4.0048% | 692 |
| Loan and lease loss provision to assets | -0.3669% | 6,325 |
| Net operating income to assets | 0.3424% | 5,273 |
| Return on assets (ROA) | 0.2629% | 5,617 |
| Pretax return on assets | 0.2140% | 5,809 |
| Return on Equity (ROE) | 2.7553% | 5,456 |
| Retained earnings to average equity (ytd only) | 2.7553% | 4,301 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8663% | 318 |
| Assets per employee ($millions) | 3.7129% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5384% | 2,287 |
| Loan loss allowance to noncurrent loans | 44.8463% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 2.4823% | 867 |
| Noncurrent loans to loans | 3.4305% | 566 |
| Net loans and leases to total assets | 71.2477% | 1,938 |
| Net loans and leases to deposits | 86.2065% | 1,807 |
| Net loans and leases to core deposits | 103.8992% | 1,069 |
| Total domestic deposits to total assets | 82.6478% | 4,290 |
| Equity capital to assets | 9.3831% | 4,876 |
| Core capital (leverage) ratio | 9.5126% | 4,257 |
| Tier 1 risk-based capital ratio | 14.6066% | 3,658 |
| Total risk-based capital ratio | 15.8616% | 3,581 |
| Memoranda: | ||
| Average total assets | $65,421,500 | 5,368 |
| Average earning assets | $61,076,500 | 5,329 |
| Average equity | $6,242,500 | 5,543 |
| Average total loans | $48,924,500 | 4,819 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,959 |
| Cost of funding earning assets | 0.7393% | 902 |
| Net interest margin | 3.7402% | 2,847 |
| Noninterest income to average assets | 0.8364% | 1,728 |
| Noninterest expense to average assets | 4.1084% | 680 |
| Loan and lease loss provision to assets | 0.0958% | 2,552 |
| Net operating income to assets | 0.1756% | 5,815 |
| Return on assets (ROA) | 0.1788% | 5,855 |
| Pretax return on assets | 0.1724% | 5,912 |
| Return on Equity (ROE) | 1.8669% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.8669% | 4,868 |
| Net charge-offs to loans | 0.1439% | 2,599 |
| Credit loss provision to net charge-offs | 90.9091% | 2,628 |
| Earnings coverage of net charge-offs (x) | 2.5152% | 4,128 |
| Efficiency ratio | 93.9416% | 601 |
| Assets per employee ($millions) | 3.5561% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 2,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 76.0569% | 1,259 |
| Net loans and leases to deposits | 92.9261% | 1,192 |
| Net loans and leases to core deposits | 110.9202% | 735 |
| Total domestic deposits to total assets | 81.8466% | 4,477 |
| Equity capital to assets | 9.7079% | 4,458 |
| Core capital (leverage) ratio | 9.4563% | 4,299 |
| Tier 1 risk-based capital ratio | 14.5249% | 3,762 |
| Total risk-based capital ratio | 15.7821% | 3,699 |
| Memoranda: | ||
| Average total assets | $62,652,800 | 5,484 |
| Average earning assets | $59,247,800 | 5,414 |
| Average equity | $5,999,200 | 5,620 |
| Average total loans | $45,856,800 | 4,964 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4352% | 2,096 |
| Cost of funding earning assets | 0.7212% | 1,044 |
| Net interest margin | 3.7140% | 2,967 |
| Noninterest income to average assets | 0.8024% | 1,889 |
| Noninterest expense to average assets | 3.9605% | 787 |
| Loan and lease loss provision to assets | 0.1113% | 2,186 |
| Net operating income to assets | 0.2568% | 5,721 |
| Return on assets (ROA) | 0.2610% | 5,773 |
| Pretax return on assets | 0.2610% | 5,843 |
| Return on Equity (ROE) | 2.7359% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.7359% | 4,645 |
| Net charge-offs to loans | 0.1987% | 1,876 |
| Credit loss provision to net charge-offs | 77.6119% | 2,644 |
| Earnings coverage of net charge-offs (x) | 2.5672% | 3,881 |
| Efficiency ratio | 91.4978% | 737 |
| Assets per employee ($millions) | 4.0814% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6652% | 2,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 71.8906% | 1,872 |
| Net loans and leases to deposits | 87.2618% | 1,758 |
| Net loans and leases to core deposits | 104.0516% | 1,102 |
| Total domestic deposits to total assets | 82.3849% | 4,347 |
| Equity capital to assets | 9.2708% | 5,062 |
| Core capital (leverage) ratio | 10.2652% | 3,324 |
| Tier 1 risk-based capital ratio | 13.9244% | 4,274 |
| Total risk-based capital ratio | 15.1587% | 4,223 |
| Memoranda: | ||
| Average total assets | $62,313,500 | 5,553 |
| Average earning assets | $59,161,500 | 5,479 |
| Average equity | $5,945,500 | 5,692 |
| Average total loans | $44,949,000 | 5,050 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,812 |
| Cost of funding earning assets | 0.7232% | 1,062 |
| Net interest margin | 3.7815% | 2,628 |
| Noninterest income to average assets | 0.8709% | 1,590 |
| Noninterest expense to average assets | 3.9956% | 771 |
| Loan and lease loss provision to assets | 0.1696% | 1,445 |
| Net operating income to assets | 0.2870% | 5,615 |
| Return on assets (ROA) | 0.2936% | 5,653 |
| Pretax return on assets | 0.2936% | 5,788 |
| Return on Equity (ROE) | 3.0460% | 5,517 |
| Retained earnings to average equity (ytd only) | 3.0460% | 4,270 |
| Net charge-offs to loans | 0.3226% | 1,258 |
| Credit loss provision to net charge-offs | 73.2394% | 2,415 |
| Earnings coverage of net charge-offs (x) | 1.9718% | 3,680 |
| Efficiency ratio | 89.7436% | 937 |
| Assets per employee ($millions) | 4.6892% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7387% | 2,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2549% | 2,597 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 73.3313% | 1,530 |
| Net loans and leases to deposits | 90.6532% | 1,309 |
| Net loans and leases to core deposits | 100.6756% | 1,228 |
| Total domestic deposits to total assets | 80.8921% | 5,018 |
| Equity capital to assets | 9.8476% | 4,294 |
| Core capital (leverage) ratio | 10.2659% | 3,249 |
| Tier 1 risk-based capital ratio | 14.3731% | 4,010 |
| Total risk-based capital ratio | 15.6309% | 3,943 |
| Memoranda: | ||
| Average total assets | $61,317,330 | 5,628 |
| Average earning assets | $58,072,000 | 5,559 |
| Average equity | $5,909,330 | 5,733 |
| Average total loans | $44,018,330 | 5,126 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5380% | 1,682 |
| Cost of funding earning assets | 0.7129% | 1,171 |
| Net interest margin | 3.8251% | 2,367 |
| Noninterest income to average assets | 0.9952% | 1,138 |
| Noninterest expense to average assets | 3.9222% | 832 |
| Loan and lease loss provision to assets | 0.3382% | 529 |
| Net operating income to assets | 0.3642% | 5,257 |
| Return on assets (ROA) | 0.3642% | 5,324 |
| Pretax return on assets | 0.3642% | 5,560 |
| Return on Equity (ROE) | 3.8209% | 5,128 |
| Retained earnings to average equity (ytd only) | 3.8209% | 3,839 |
| Net charge-offs to loans | -0.0739% | 5,984 |
| Credit loss provision to net charge-offs | -650.0000% | 5,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8101% | 1,576 |
| Assets per employee ($millions) | 5.5910% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9989% | 1,516 |
| Loan loss allowance to noncurrent loans | 103.0806% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.3723% | 2,579 |
| Noncurrent loans to loans | 1.9392% | 1,940 |
| Net loans and leases to total assets | 69.3533% | 2,003 |
| Net loans and leases to deposits | 84.8546% | 1,736 |
| Net loans and leases to core deposits | 92.9259% | 1,645 |
| Total domestic deposits to total assets | 81.7320% | 5,020 |
| Equity capital to assets | 9.6356% | 4,310 |
| Core capital (leverage) ratio | 10.1472% | 3,355 |
| Tier 1 risk-based capital ratio | 14.1118% | 4,254 |
| Total risk-based capital ratio | 15.3544% | 4,212 |
| Memoranda: | ||
| Average total assets | $61,496,500 | 5,670 |
| Average earning assets | $58,351,500 | 5,604 |
| Average equity | $5,862,500 | 5,781 |
| Average total loans | $43,281,000 | 5,198 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7256% | 1,504 |
| Cost of funding earning assets | 0.7659% | 1,401 |
| Net interest margin | 3.9596% | 2,071 |
| Noninterest income to average assets | 0.5486% | 3,413 |
| Noninterest expense to average assets | 4.1372% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1637% | 5,910 |
| Return on assets (ROA) | 0.3697% | 5,376 |
| Pretax return on assets | 0.3697% | 5,562 |
| Return on Equity (ROE) | 3.6895% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.6895% | 3,592 |
| Net charge-offs to loans | 0.8470% | 729 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.2870% | 4,987 |
| Efficiency ratio | 96.1931% | 631 |
| Assets per employee ($millions) | 4.7302% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8820% | 1,826 |
| Loan loss allowance to noncurrent loans | 96.3139% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.3677% | 2,697 |
| Noncurrent loans to loans | 1.9540% | 2,036 |
| Net loans and leases to total assets | 68.6740% | 2,227 |
| Net loans and leases to deposits | 86.0569% | 1,679 |
| Net loans and leases to core deposits | 95.8617% | 1,465 |
| Total domestic deposits to total assets | 79.8006% | 5,492 |
| Equity capital to assets | 9.4305% | 4,516 |
| Core capital (leverage) ratio | 10.0313% | 3,517 |
| Tier 1 risk-based capital ratio | 13.8765% | 4,378 |
| Total risk-based capital ratio | 15.0829% | 4,362 |
| Memoranda: | ||
| Average total assets | $59,242,600 | 5,778 |
| Average earning assets | $56,141,400 | 5,698 |
| Average equity | $5,935,800 | 5,837 |
| Average total loans | $39,903,600 | 5,353 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7992% | 1,344 |
| Cost of funding earning assets | 0.7803% | 1,430 |
| Net interest margin | 4.0190% | 1,882 |
| Noninterest income to average assets | 0.5180% | 3,689 |
| Noninterest expense to average assets | 4.1603% | 712 |
| Loan and lease loss provision to assets | 0.0477% | 4,059 |
| Net operating income to assets | 0.1136% | 6,112 |
| Return on assets (ROA) | 0.3908% | 5,418 |
| Pretax return on assets | 0.3908% | 5,649 |
| Return on Equity (ROE) | 3.8414% | 5,290 |
| Retained earnings to average equity (ytd only) | 3.8414% | 3,951 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2671% | 609 |
| Assets per employee ($millions) | 5.0295% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9322% | 594 |
| Loan loss allowance to noncurrent loans | 138.5071% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.3984% | 2,861 |
| Noncurrent loans to loans | 2.1170% | 2,108 |
| Net loans and leases to total assets | 64.1184% | 2,984 |
| Net loans and leases to deposits | 78.7137% | 2,556 |
| Net loans and leases to core deposits | 87.3012% | 2,249 |
| Total domestic deposits to total assets | 81.4577% | 5,100 |
| Equity capital to assets | 9.5917% | 4,428 |
| Core capital (leverage) ratio | 10.1705% | 3,441 |
| Tier 1 risk-based capital ratio | 14.1657% | 4,308 |
| Total risk-based capital ratio | 15.3745% | 4,287 |
| Memoranda: | ||
| Average total assets | $58,680,250 | 5,851 |
| Average earning assets | $55,535,250 | 5,774 |
| Average equity | $5,970,000 | 5,904 |
| Average total loans | $39,119,750 | 5,439 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 1,093 |
| Cost of funding earning assets | 0.7780% | 1,539 |
| Net interest margin | 4.1224% | 1,483 |
| Noninterest income to average assets | 0.4749% | 3,999 |
| Noninterest expense to average assets | 4.2737% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1032% | 6,129 |
| Return on assets (ROA) | 0.5230% | 4,866 |
| Pretax return on assets | 0.5230% | 5,293 |
| Return on Equity (ROE) | 5.0412% | 4,712 |
| Retained earnings to average equity (ytd only) | 5.0412% | 3,031 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6415% | 586 |
| Assets per employee ($millions) | 4.0122% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9041% | 639 |
| Loan loss allowance to noncurrent loans | 136.0190% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 1.4024% | 3,006 |
| Noncurrent loans to loans | 2.1351% | 2,245 |
| Net loans and leases to total assets | 63.7755% | 2,953 |
| Net loans and leases to deposits | 78.3898% | 2,523 |
| Net loans and leases to core deposits | 88.9069% | 2,012 |
| Total domestic deposits to total assets | 81.3569% | 5,243 |
| Equity capital to assets | 9.6639% | 4,365 |
| Core capital (leverage) ratio | 9.8606% | 3,701 |
| Tier 1 risk-based capital ratio | 13.2903% | 4,925 |
| Total risk-based capital ratio | 14.5084% | 4,893 |
| Memoranda: | ||
| Average total assets | $58,122,330 | 5,909 |
| Average earning assets | $55,016,330 | 5,823 |
| Average equity | $6,030,330 | 5,926 |
| Average total loans | $38,870,670 | 5,472 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 989 |
| Cost of funding earning assets | 0.7664% | 1,735 |
| Net interest margin | 4.1743% | 1,264 |
| Noninterest income to average assets | 0.3853% | 4,576 |
| Noninterest expense to average assets | 4.3649% | 596 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0490% | 6,399 |
| Return on assets (ROA) | 0.3503% | 5,491 |
| Pretax return on assets | 0.3503% | 5,719 |
| Return on Equity (ROE) | 3.2587% | 5,462 |
| Retained earnings to average equity (ytd only) | 3.2587% | 4,299 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1364% | 505 |
| Assets per employee ($millions) | 4.1831% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9677% | 679 |
| Loan loss allowance to noncurrent loans | 136.0190% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 1.4412% | 3,099 |
| Noncurrent loans to loans | 2.1818% | 2,408 |
| Net loans and leases to total assets | 64.0934% | 2,689 |
| Net loans and leases to deposits | 79.7531% | 2,109 |
| Net loans and leases to core deposits | 91.7569% | 1,528 |
| Total domestic deposits to total assets | 80.3647% | 5,673 |
| Equity capital to assets | 10.4332% | 3,627 |
| Core capital (leverage) ratio | 10.3452% | 2,975 |
| Tier 1 risk-based capital ratio | 13.9283% | 4,560 |
| Total risk-based capital ratio | 15.1969% | 4,505 |
| Memoranda: | ||
| Average total assets | $57,092,000 | 5,992 |
| Average earning assets | $53,757,000 | 5,911 |
| Average equity | $6,137,500 | 5,948 |
| Average total loans | $38,541,000 | 5,526 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1261% | 1,253 |
| Cost of funding earning assets | 0.9003% | 1,935 |
| Net interest margin | 4.2258% | 1,591 |
| Noninterest income to average assets | 0.2212% | 5,858 |
| Noninterest expense to average assets | 3.9478% | 1,043 |
| Loan and lease loss provision to assets | 0.0499% | 5,192 |
| Net operating income to assets | 0.1264% | 5,953 |
| Return on assets (ROA) | 0.4224% | 5,258 |
| Pretax return on assets | 0.4224% | 5,518 |
| Return on Equity (ROE) | 4.1771% | 5,070 |
| Retained earnings to average equity (ytd only) | 4.1771% | 3,289 |
| Net charge-offs to loans | 0.0544% | 5,169 |
| Credit loss provision to net charge-offs | 142.8571% | 1,912 |
| Earnings coverage of net charge-offs (x) | 5.0476% | 3,164 |
| Efficiency ratio | 95.7258% | 720 |
| Assets per employee ($millions) | 3.7081% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9897% | 673 |
| Loan loss allowance to noncurrent loans | 136.0190% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 1.5174% | 3,103 |
| Noncurrent loans to loans | 2.1980% | 2,469 |
| Net loans and leases to total assets | 66.9729% | 2,369 |
| Net loans and leases to deposits | 84.6018% | 1,682 |
| Net loans and leases to core deposits | 97.2459% | 1,203 |
| Total domestic deposits to total assets | 79.1625% | 5,856 |
| Equity capital to assets | 11.0839% | 2,854 |
| Core capital (leverage) ratio | 10.3804% | 2,915 |
| Tier 1 risk-based capital ratio | 13.9356% | 4,418 |
| Total risk-based capital ratio | 15.2039% | 4,380 |
| Memoranda: | ||
| Average total assets | $60,134,400 | 5,918 |
| Average earning assets | $55,539,800 | 5,874 |
| Average equity | $6,080,800 | 6,001 |
| Average total loans | $38,571,600 | 5,563 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1444% | 1,317 |
| Cost of funding earning assets | 0.9377% | 1,936 |
| Net interest margin | 4.2067% | 1,719 |
| Noninterest income to average assets | 0.1741% | 6,264 |
| Noninterest expense to average assets | 3.6715% | 1,411 |
| Loan and lease loss provision to assets | 0.0653% | 4,884 |
| Net operating income to assets | 0.2938% | 5,634 |
| Return on assets (ROA) | 0.5180% | 5,033 |
| Pretax return on assets | 0.5180% | 5,410 |
| Return on Equity (ROE) | 5.2367% | 4,711 |
| Retained earnings to average equity (ytd only) | 5.2367% | 3,199 |
| Net charge-offs to loans | -0.1761% | 6,966 |
| Credit loss provision to net charge-offs | -58.8235% | 6,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0907% | 955 |
| Assets per employee ($millions) | 4.1922% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1413% | 635 |
| Loan loss allowance to noncurrent loans | 149.5098% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.3903% | 3,520 |
| Noncurrent loans to loans | 2.1011% | 2,736 |
| Net loans and leases to total assets | 64.0933% | 3,010 |
| Net loans and leases to deposits | 80.0362% | 2,384 |
| Net loans and leases to core deposits | 95.1294% | 1,477 |
| Total domestic deposits to total assets | 80.0804% | 5,631 |
| Equity capital to assets | 10.6132% | 3,717 |
| Core capital (leverage) ratio | 9.8658% | 3,736 |
| Tier 1 risk-based capital ratio | 14.1524% | 4,415 |
| Total risk-based capital ratio | 15.4228% | 4,363 |
| Memoranda: | ||
| Average total assets | $61,262,750 | 5,959 |
| Average earning assets | $56,163,500 | 5,928 |
| Average equity | $6,059,750 | 6,074 |
| Average total loans | $38,614,750 | 5,630 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 1,443 |
| Cost of funding earning assets | 0.9748% | 1,909 |
| Net interest margin | 4.1493% | 1,908 |
| Noninterest income to average assets | 0.1739% | 6,309 |
| Noninterest expense to average assets | 3.3323% | 2,212 |
| Loan and lease loss provision to assets | 0.0966% | 4,329 |
| Net operating income to assets | 0.5409% | 4,623 |
| Return on assets (ROA) | 0.6021% | 4,612 |
| Pretax return on assets | 0.6021% | 5,125 |
| Return on Equity (ROE) | 6.2299% | 4,193 |
| Retained earnings to average equity (ytd only) | 6.2299% | 2,549 |
| Net charge-offs to loans | -0.2647% | 7,052 |
| Credit loss provision to net charge-offs | -58.8235% | 6,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9416% | 1,642 |
| Assets per employee ($millions) | 4.6132% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1815% | 655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 57.4855% | 4,247 |
| Net loans and leases to deposits | 66.2698% | 4,475 |
| Net loans and leases to core deposits | 79.9737% | 3,222 |
| Total domestic deposits to total assets | 86.7446% | 2,932 |
| Equity capital to assets | 9.5858% | 4,932 |
| Core capital (leverage) ratio | 9.1075% | 4,752 |
| Tier 1 risk-based capital ratio | 14.0703% | 4,393 |
| Total risk-based capital ratio | 15.3644% | 4,325 |
| Memoranda: | ||
| Average total assets | $62,120,000 | 5,975 |
| Average earning assets | $56,829,330 | 5,950 |
| Average equity | $6,003,330 | 6,116 |
| Average total loans | $38,540,670 | 5,664 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2635% | 1,182 |
| Cost of funding earning assets | 1.0253% | 1,840 |
| Net interest margin | 4.2382% | 1,644 |
| Noninterest income to average assets | 0.2102% | 6,118 |
| Noninterest expense to average assets | 3.1468% | 2,771 |
| Loan and lease loss provision to assets | 0.1971% | 2,974 |
| Net operating income to assets | 0.7226% | 3,768 |
| Return on assets (ROA) | 0.8475% | 3,413 |
| Pretax return on assets | 0.8475% | 4,237 |
| Return on Equity (ROE) | 8.7317% | 2,938 |
| Retained earnings to average equity (ytd only) | 8.7317% | 1,688 |
| Net charge-offs to loans | -0.5280% | 7,153 |
| Credit loss provision to net charge-offs | -58.8235% | 5,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3829% | 2,588 |
| Assets per employee ($millions) | 5.2168% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1544% | 713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 59.8329% | 3,706 |
| Net loans and leases to deposits | 69.1045% | 3,856 |
| Net loans and leases to core deposits | 84.7862% | 2,437 |
| Total domestic deposits to total assets | 86.5833% | 3,183 |
| Equity capital to assets | 9.6292% | 4,614 |
| Core capital (leverage) ratio | 9.1338% | 4,633 |
| Tier 1 risk-based capital ratio | 13.3860% | 4,908 |
| Total risk-based capital ratio | 14.6578% | 4,884 |
| Memoranda: | ||
| Average total assets | $60,887,500 | 6,039 |
| Average earning assets | $55,400,500 | 6,017 |
| Average equity | $5,909,500 | 6,170 |
| Average total loans | $38,637,500 | 5,702 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9864% | 2,939 |
| Cost of funding earning assets | 1.1855% | 2,125 |
| Net interest margin | 3.8009% | 3,812 |
| Noninterest income to average assets | -0.5514% | 7,274 |
| Noninterest expense to average assets | 3.4299% | 2,169 |
| Loan and lease loss provision to assets | 0.4179% | 2,500 |
| Net operating income to assets | -0.8168% | 6,665 |
| Return on assets (ROA) | -0.8329% | 6,699 |
| Pretax return on assets | -0.8329% | 6,662 |
| Return on Equity (ROE) | -9.7588% | 6,730 |
| Retained earnings to average equity (ytd only) | -9.7588% | 6,691 |
| Net charge-offs to loans | 0.2631% | 4,123 |
| Credit loss provision to net charge-offs | 268.8679% | 892 |
| Earnings coverage of net charge-offs (x) | -2.5660% | 6,305 |
| Efficiency ratio | 113.1592% | 378 |
| Assets per employee ($millions) | 4.2267% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9509% | 850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 63.3048% | 3,330 |
| Net loans and leases to deposits | 73.4179% | 3,593 |
| Net loans and leases to core deposits | 91.0439% | 1,981 |
| Total domestic deposits to total assets | 86.2254% | 3,182 |
| Equity capital to assets | 9.7864% | 4,457 |
| Core capital (leverage) ratio | 8.1746% | 6,039 |
| Tier 1 risk-based capital ratio | 12.9296% | 5,129 |
| Total risk-based capital ratio | 14.1955% | 5,095 |
| Memoranda: | ||
| Average total assets | $68,194,800 | 5,803 |
| Average earning assets | $64,274,400 | 5,726 |
| Average equity | $5,820,400 | 6,200 |
| Average total loans | $40,291,200 | 5,679 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9378% | 3,394 |
| Cost of funding earning assets | 1.2224% | 2,171 |
| Net interest margin | 3.7154% | 4,264 |
| Noninterest income to average assets | -1.2150% | 7,412 |
| Noninterest expense to average assets | 3.4009% | 2,184 |
| Loan and lease loss provision to assets | 0.5280% | 1,872 |
| Net operating income to assets | -1.6522% | 7,075 |
| Return on assets (ROA) | -1.6787% | 7,092 |
| Pretax return on assets | -1.6787% | 7,059 |
| Return on Equity (ROE) | -20.2933% | 7,100 |
| Retained earnings to average equity (ytd only) | -20.2933% | 7,086 |
| Net charge-offs to loans | 0.3471% | 3,359 |
| Credit loss provision to net charge-offs | 263.2075% | 1,083 |
| Earnings coverage of net charge-offs (x) | -5.6038% | 6,107 |
| Efficiency ratio | 149.3766% | 142 |
| Assets per employee ($millions) | 6.0066% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8044% | 1,028 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 54.4791% | 5,093 |
| Net loans and leases to deposits | 61.4234% | 5,469 |
| Net loans and leases to core deposits | 72.6943% | 4,623 |
| Total domestic deposits to total assets | 88.6943% | 1,625 |
| Equity capital to assets | 7.6916% | 6,845 |
| Core capital (leverage) ratio | 7.2893% | 6,862 |
| Tier 1 risk-based capital ratio | 11.5597% | 6,209 |
| Total risk-based capital ratio | 12.8250% | 6,186 |
| Memoranda: | ||
| Average total assets | $70,450,000 | 5,771 |
| Average earning assets | $66,208,500 | 5,703 |
| Average equity | $5,827,750 | 6,244 |
| Average total loans | $40,714,250 | 5,714 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 3,232 |
| Cost of funding earning assets | 1.2546% | 2,224 |
| Net interest margin | 3.7303% | 4,116 |
| Noninterest income to average assets | 0.2146% | 6,133 |
| Noninterest expense to average assets | 3.4274% | 2,193 |
| Loan and lease loss provision to assets | 0.6780% | 1,420 |
| Net operating income to assets | -0.3862% | 6,603 |
| Return on assets (ROA) | -0.4434% | 6,672 |
| Pretax return on assets | -0.4434% | 6,619 |
| Return on Equity (ROE) | -5.2344% | 6,728 |
| Retained earnings to average equity (ytd only) | -5.2344% | 6,583 |
| Net charge-offs to loans | 0.5194% | 2,540 |
| Credit loss provision to net charge-offs | 223.5849% | 1,341 |
| Earnings coverage of net charge-offs (x) | 0.9623% | 4,575 |
| Efficiency ratio | 92.1538% | 1,089 |
| Assets per employee ($millions) | 5.5985% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6679% | 1,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0387% | 4,806 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 54.6881% | 5,196 |
| Net loans and leases to deposits | 62.1790% | 5,482 |
| Net loans and leases to core deposits | 73.7347% | 4,610 |
| Total domestic deposits to total assets | 87.9527% | 2,165 |
| Equity capital to assets | 8.4336% | 6,257 |
| Core capital (leverage) ratio | 8.3794% | 5,741 |
| Tier 1 risk-based capital ratio | 12.5504% | 5,294 |
| Total risk-based capital ratio | 13.8123% | 5,258 |
| Memoranda: | ||
| Average total assets | $69,907,000 | 5,831 |
| Average earning assets | $65,679,000 | 5,768 |
| Average equity | $5,922,330 | 6,254 |
| Average total loans | $40,818,670 | 5,766 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1547% | 2,409 |
| Cost of funding earning assets | 1.3136% | 2,105 |
| Net interest margin | 3.8411% | 3,413 |
| Noninterest income to average assets | 0.2162% | 6,189 |
| Noninterest expense to average assets | 3.8148% | 1,312 |
| Loan and lease loss provision to assets | 0.6835% | 1,240 |
| Net operating income to assets | -0.6777% | 6,904 |
| Return on assets (ROA) | -0.6835% | 6,914 |
| Pretax return on assets | -0.6835% | 6,867 |
| Return on Equity (ROE) | -8.0488% | 6,960 |
| Retained earnings to average equity (ytd only) | -8.0488% | 6,756 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8471% | 753 |
| Assets per employee ($millions) | 5.0876% | 2,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6322% | 1,275 |
| Loan loss allowance to noncurrent loans | 1,016.0377% | 378 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 4,532 |
| Noncurrent loans to loans | 0.2591% | 6,471 |
| Net loans and leases to total assets | 55.9324% | 5,002 |
| Net loans and leases to deposits | 63.4389% | 5,331 |
| Net loans and leases to core deposits | 74.1784% | 4,521 |
| Total domestic deposits to total assets | 88.1674% | 2,281 |
| Equity capital to assets | 8.1668% | 6,324 |
| Core capital (leverage) ratio | 8.5279% | 5,393 |
| Tier 1 risk-based capital ratio | 12.5015% | 5,264 |
| Total risk-based capital ratio | 13.7633% | 5,233 |
| Memoranda: | ||
| Average total assets | $68,470,500 | 5,917 |
| Average earning assets | $64,252,500 | 5,852 |
| Average equity | $5,814,500 | 6,306 |
| Average total loans | $40,781,500 | 5,817 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 1,988 |
| Cost of funding earning assets | 1.3737% | 3,433 |
| Net interest margin | 4.2017% | 2,179 |
| Noninterest income to average assets | -0.5398% | 7,573 |
| Noninterest expense to average assets | 4.4028% | 722 |
| Loan and lease loss provision to assets | 1.0919% | 1,466 |
| Net operating income to assets | -2.1714% | 7,098 |
| Return on assets (ROA) | -1.9174% | 7,049 |
| Pretax return on assets | -1.9174% | 7,001 |
| Return on Equity (ROE) | -15.9764% | 6,951 |
| Retained earnings to average equity (ytd only) | -15.9764% | 6,918 |
| Net charge-offs to loans | 0.8234% | 2,573 |
| Credit loss provision to net charge-offs | 210.5442% | 1,459 |
| Earnings coverage of net charge-offs (x) | -2.0816% | 6,707 |
| Efficiency ratio | 132.4841% | 297 |
| Assets per employee ($millions) | 4.6939% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3618% | 1,605 |
| Loan loss allowance to noncurrent loans | 897.1963% | 400 |
| Noncurrent assets plus other real estate owned to assets | 1.3133% | 4,400 |
| Noncurrent loans to loans | 0.2632% | 6,541 |
| Net loans and leases to total assets | 60.3935% | 4,612 |
| Net loans and leases to deposits | 69.6679% | 4,855 |
| Net loans and leases to core deposits | 81.1828% | 4,026 |
| Total domestic deposits to total assets | 86.6878% | 2,987 |
| Equity capital to assets | 8.8444% | 5,367 |
| Core capital (leverage) ratio | 9.2737% | 4,059 |
| Tier 1 risk-based capital ratio | 12.1919% | 5,299 |
| Total risk-based capital ratio | 13.4488% | 5,270 |
| Memoranda: | ||
| Average total assets | $56,690,600 | 6,320 |
| Average earning assets | $52,121,200 | 6,284 |
| Average equity | $6,803,800 | 6,103 |
| Average total loans | $35,707,000 | 6,126 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5014% | 2,429 |
| Cost of funding earning assets | 1.3586% | 3,842 |
| Net interest margin | 4.1428% | 2,436 |
| Noninterest income to average assets | -0.8524% | 7,720 |
| Noninterest expense to average assets | 4.5044% | 590 |
| Loan and lease loss provision to assets | 1.2908% | 1,082 |
| Net operating income to assets | -2.8682% | 7,423 |
| Return on assets (ROA) | -2.5865% | 7,391 |
| Pretax return on assets | -2.5865% | 7,345 |
| Return on Equity (ROE) | -19.9661% | 7,221 |
| Retained earnings to average equity (ytd only) | -19.9661% | 7,205 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.8912% | 190 |
| Assets per employee ($millions) | 5.0778% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8010% | 1,003 |
| Loan loss allowance to noncurrent loans | 289.0547% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 1.7542% | 3,813 |
| Noncurrent loans to loans | 0.9690% | 5,298 |
| Net loans and leases to total assets | 61.0843% | 4,697 |
| Net loans and leases to deposits | 71.5568% | 4,896 |
| Net loans and leases to core deposits | 81.5793% | 4,304 |
| Total domestic deposits to total assets | 85.3648% | 3,424 |
| Equity capital to assets | 9.8467% | 4,354 |
| Core capital (leverage) ratio | 10.2974% | 2,923 |
| Tier 1 risk-based capital ratio | 12.5909% | 4,901 |
| Total risk-based capital ratio | 13.8534% | 4,869 |
| Memoranda: | ||
| Average total assets | $54,434,750 | 6,461 |
| Average earning assets | $49,658,750 | 6,450 |
| Average equity | $7,051,750 | 6,093 |
| Average total loans | $34,472,000 | 6,266 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4553% | 2,731 |
| Cost of funding earning assets | 1.3879% | 3,951 |
| Net interest margin | 4.0674% | 2,712 |
| Noninterest income to average assets | 0.1463% | 6,853 |
| Noninterest expense to average assets | 4.8442% | 420 |
| Loan and lease loss provision to assets | 1.1863% | 1,182 |
| Net operating income to assets | -2.2105% | 7,354 |
| Return on assets (ROA) | -2.2105% | 7,364 |
| Pretax return on assets | -2.2105% | 7,296 |
| Return on Equity (ROE) | -15.4512% | 7,157 |
| Retained earnings to average equity (ytd only) | -15.4512% | 7,118 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.8116% | 342 |
| Assets per employee ($millions) | 4.2491% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5757% | 1,219 |
| Loan loss allowance to noncurrent loans | 232.5871% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 2.8459% | 2,538 |
| Noncurrent loans to loans | 1.1074% | 5,108 |
| Net loans and leases to total assets | 64.0248% | 4,258 |
| Net loans and leases to deposits | 78.4308% | 3,893 |
| Net loans and leases to core deposits | 90.9058% | 3,143 |
| Total domestic deposits to total assets | 81.6322% | 5,138 |
| Equity capital to assets | 12.6362% | 1,721 |
| Core capital (leverage) ratio | 13.2118% | 1,138 |
| Tier 1 risk-based capital ratio | 15.9133% | 2,714 |
| Total risk-based capital ratio | 17.1768% | 2,670 |
| Memoranda: | ||
| Average total assets | $50,575,670 | 6,633 |
| Average earning assets | $45,680,330 | 6,648 |
| Average equity | $7,235,670 | 6,056 |
| Average total loans | $32,134,330 | 6,432 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3222% | 3,435 |
| Cost of funding earning assets | 1.4045% | 4,143 |
| Net interest margin | 3.9178% | 3,245 |
| Noninterest income to average assets | 0.1409% | 6,968 |
| Noninterest expense to average assets | 5.2566% | 304 |
| Loan and lease loss provision to assets | 0.4063% | 2,930 |
| Net operating income to assets | -2.0064% | 7,466 |
| Return on assets (ROA) | -2.0064% | 7,468 |
| Pretax return on assets | -2.0064% | 7,417 |
| Return on Equity (ROE) | -13.1459% | 7,262 |
| Retained earnings to average equity (ytd only) | -13.1459% | 7,131 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.7642% | 231 |
| Assets per employee ($millions) | 3.5970% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1449% | 1,863 |
| Loan loss allowance to noncurrent loans | 318.1395% | 951 |
| Noncurrent assets plus other real estate owned to assets | 2.7503% | 2,640 |
| Noncurrent loans to loans | 0.6742% | 5,982 |
| Net loans and leases to total assets | 61.9683% | 4,765 |
| Net loans and leases to deposits | 74.3886% | 4,684 |
| Net loans and leases to core deposits | 86.5967% | 3,813 |
| Total domestic deposits to total assets | 83.3035% | 4,473 |
| Equity capital to assets | 14.4684% | 1,013 |
| Core capital (leverage) ratio | 14.9294% | 760 |
| Tier 1 risk-based capital ratio | 19.7819% | 1,565 |
| Total risk-based capital ratio | 21.0395% | 1,529 |
| Memoranda: | ||
| Average total assets | $48,244,500 | 6,792 |
| Average earning assets | $43,290,000 | 6,808 |
| Average equity | $7,363,500 | 6,065 |
| Average total loans | $30,051,000 | 6,604 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1173% | 6,013 |
| Cost of funding earning assets | 1.8169% | 3,902 |
| Net interest margin | 3.3005% | 5,746 |
| Noninterest income to average assets | 0.1194% | 7,159 |
| Noninterest expense to average assets | 6.0764% | 297 |
| Loan and lease loss provision to assets | 1.3108% | 1,757 |
| Net operating income to assets | -4.2986% | 7,651 |
| Return on assets (ROA) | -4.2481% | 7,643 |
| Pretax return on assets | -4.2481% | 7,583 |
| Return on Equity (ROE) | -19.2234% | 7,118 |
| Retained earnings to average equity (ytd only) | -19.2234% | 7,077 |
| Net charge-offs to loans | -0.0247% | 7,800 |
| Credit loss provision to net charge-offs | -9,880.0000% | 7,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 196.7354% | 149 |
| Assets per employee ($millions) | 3.5485% | 4,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2544% | 1,558 |
| Loan loss allowance to noncurrent loans | 290.4110% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 3.0110% | 2,324 |
| Noncurrent loans to loans | 0.7763% | 5,719 |
| Net loans and leases to total assets | 59.7776% | 5,371 |
| Net loans and leases to deposits | 71.6613% | 5,375 |
| Net loans and leases to core deposits | 103.0609% | 3,683 |
| Total domestic deposits to total assets | 83.4168% | 4,326 |
| Equity capital to assets | 16.1302% | 681 |
| Core capital (leverage) ratio | 16.8979% | 504 |
| Tier 1 risk-based capital ratio | 22.3659% | 1,114 |
| Total risk-based capital ratio | 23.6258% | 1,089 |
| Memoranda: | ||
| Average total assets | $37,687,000 | 7,181 |
| Average earning assets | $33,904,400 | 7,192 |
| Average equity | $8,328,400 | 5,826 |
| Average total loans | $20,260,200 | 7,174 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 6,626 |
| Cost of funding earning assets | 1.9249% | 3,746 |
| Net interest margin | 3.0666% | 6,414 |
| Noninterest income to average assets | 0.1162% | 7,310 |
| Noninterest expense to average assets | 6.3674% | 266 |
| Loan and lease loss provision to assets | 0.9407% | 2,046 |
| Net operating income to assets | -4.4336% | 7,790 |
| Return on assets (ROA) | -4.4336% | 7,793 |
| Pretax return on assets | -4.4336% | 7,746 |
| Return on Equity (ROE) | -18.4473% | 7,322 |
| Retained earnings to average equity (ytd only) | -18.4473% | 7,286 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 221.5124% | 114 |
| Assets per employee ($millions) | 2.9649% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 3,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.8187% | 2,461 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 61.1737% | 5,391 |
| Net loans and leases to deposits | 76.0877% | 5,026 |
| Net loans and leases to core deposits | 111.3001% | 3,092 |
| Total domestic deposits to total assets | 80.3990% | 5,293 |
| Equity capital to assets | 19.0758% | 412 |
| Core capital (leverage) ratio | 19.5485% | 345 |
| Tier 1 risk-based capital ratio | 25.6494% | 845 |
| Total risk-based capital ratio | 26.9000% | 827 |
| Memoranda: | ||
| Average total assets | $35,576,000 | 7,319 |
| Average earning assets | $32,000,250 | 7,328 |
| Average equity | $8,550,250 | 5,803 |
| Average total loans | $18,272,250 | 7,366 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8732% | 7,091 |
| Cost of funding earning assets | 1.9295% | 4,116 |
| Net interest margin | 2.9437% | 6,701 |
| Noninterest income to average assets | 0.1250% | 7,351 |
| Noninterest expense to average assets | 5.7205% | 351 |
| Loan and lease loss provision to assets | 0.8393% | 1,993 |
| Net operating income to assets | -3.7740% | 7,798 |
| Return on assets (ROA) | -3.7740% | 7,798 |
| Pretax return on assets | -3.7740% | 7,712 |
| Return on Equity (ROE) | -14.4732% | 7,310 |
| Retained earnings to average equity (ytd only) | -14.4732% | 7,212 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 205.3419% | 186 |
| Assets per employee ($millions) | 2.8429% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4431% | 3,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1658% | 1,981 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 51.3718% | 6,749 |
| Net loans and leases to deposits | 66.8898% | 6,311 |
| Net loans and leases to core deposits | 119.8535% | 2,386 |
| Total domestic deposits to total assets | 76.8007% | 6,374 |
| Equity capital to assets | 22.5851% | 265 |
| Core capital (leverage) ratio | 22.2644% | 271 |
| Tier 1 risk-based capital ratio | 34.9860% | 417 |
| Total risk-based capital ratio | 36.1631% | 413 |
| Memoranda: | ||
| Average total assets | $33,598,670 | 7,463 |
| Average earning assets | $30,370,000 | 7,470 |
| Average equity | $8,761,000 | 5,758 |
| Average total loans | $15,769,670 | 7,548 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 7,403 |
| Cost of funding earning assets | 1.8934% | 4,658 |
| Net interest margin | 2.8819% | 6,797 |
| Noninterest income to average assets | 0.1253% | 7,399 |
| Noninterest expense to average assets | 7.4689% | 181 |
| Loan and lease loss provision to assets | 1.1153% | 1,175 |
| Net operating income to assets | -5.8648% | 8,081 |
| Return on assets (ROA) | -5.8648% | 8,074 |
| Pretax return on assets | -5.8648% | 8,042 |
| Return on Equity (ROE) | -20.8742% | 7,773 |
| Retained earnings to average equity (ytd only) | -20.8742% | 7,672 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 274.6544% | 107 |
| Assets per employee ($millions) | 2.7255% | 6,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 3,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3021% | 1,659 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 47.2313% | 7,084 |
| Net loans and leases to deposits | 62.9490% | 6,649 |
| Net loans and leases to core deposits | 122.0108% | 2,254 |
| Total domestic deposits to total assets | 75.0310% | 6,710 |
| Equity capital to assets | 24.7178% | 227 |
| Core capital (leverage) ratio | 27.1194% | 188 |
| Tier 1 risk-based capital ratio | 41.0730% | 300 |
| Total risk-based capital ratio | 42.1442% | 298 |
| Memoranda: | ||
| Average total assets | $31,919,000 | 7,572 |
| Average earning assets | $28,731,000 | 7,584 |
| Average equity | $8,968,000 | 5,708 |
| Average total loans | $14,022,500 | 7,690 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3896% | 8,052 |
| Cost of funding earning assets | 1.5012% | 7,609 |
| Net interest margin | 2.8885% | 7,174 |
| Noninterest income to average assets | 0.0498% | 7,893 |
| Noninterest expense to average assets | 7.9475% | 223 |
| Loan and lease loss provision to assets | 1.5067% | 892 |
| Net operating income to assets | -6.7782% | 8,185 |
| Return on assets (ROA) | -6.6631% | 8,178 |
| Pretax return on assets | -6.6631% | 8,144 |
| Return on Equity (ROE) | -17.6766% | 7,697 |
| Retained earnings to average equity (ytd only) | -17.6766% | 7,605 |
| Net charge-offs to loans | 3.9786% | 167 |
| Credit loss provision to net charge-offs | 119.0909% | 4,520 |
| Earnings coverage of net charge-offs (x) | -4.1667% | 6,809 |
| Efficiency ratio | 296.9914% | 102 |
| Assets per employee ($millions) | 2.5824% | 7,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 4,266 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.1188% | 983 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 38.5376% | 7,740 |
| Net loans and leases to deposits | 57.3021% | 7,247 |
| Net loans and leases to core deposits | 79.1140% | 6,684 |
| Total domestic deposits to total assets | 67.2534% | 7,546 |
| Equity capital to assets | 32.3101% | 147 |
| Core capital (leverage) ratio | 32.7617% | 157 |
| Tier 1 risk-based capital ratio | 56.0843% | 172 |
| Total risk-based capital ratio | 56.9310% | 173 |
| Memoranda: | ||
| Average total assets | $26,083,800 | 7,801 |
| Average earning assets | $23,715,000 | 7,795 |
| Average equity | $9,832,200 | 5,457 |
| Average total loans | $8,294,400 | 8,018 |