Home > Blue Grass Federal Savings and Loan Association > Performance and Condition Ratios
Blue Grass Federal Savings and Loan Association, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8884% | 2,304 |
| Cost of funding earning assets | 1.7243% | 1,400 |
| Net interest margin | 3.1641% | 2,957 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 2.6918% | 1,760 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 0.3009% | 4,025 |
| Return on assets (ROA) | 0.3009% | 4,022 |
| Pretax return on assets | 0.3731% | 4,002 |
| Return on Equity (ROE) | 1.7200% | 4,181 |
| Retained earnings to average equity (ytd only) | 1.7161% | 3,648 |
| Net charge-offs to loans | -0.0054% | 3,847 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 85.1282% | 605 |
| Assets per employee ($millions) | 5.7378% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,487 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 73.4900% | 1,420 |
| Net loans and leases to deposits | 113.7484% | 138 |
| Net loans and leases to core deposits | 124.8101% | 512 |
| Total domestic deposits to total assets | 64.6100% | 4,396 |
| Equity capital to assets | 17.1960% | 376 |
| Core capital (leverage) ratio | 17.2918% | 385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.7694% | 259 |
| Memoranda: | ||
| Average total assets | $49,855,200 | 4,322 |
| Average earning assets | $46,743,200 | 4,286 |
| Average equity | $8,740,800 | 3,850 |
| Average total loans | $37,085,200 | 4,037 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7583% | 2,354 |
| Cost of funding earning assets | 1.5813% | 1,408 |
| Net interest margin | 3.1770% | 2,969 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 2.7228% | 1,597 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.2860% | 4,126 |
| Return on assets (ROA) | 0.2860% | 4,133 |
| Pretax return on assets | 0.3535% | 4,113 |
| Return on Equity (ROE) | 1.6200% | 4,243 |
| Retained earnings to average equity (ytd only) | 1.6234% | 3,811 |
| Net charge-offs to loans | -0.0073% | 3,842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.9725% | 521 |
| Assets per employee ($millions) | 5.7812% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 3,562 |
| Loan loss allowance to noncurrent loans | 307.6923% | 1,986 |
| Noncurrent assets plus other real estate owned to assets | 0.2249% | 2,135 |
| Noncurrent loans to loans | 0.3085% | 2,130 |
| Net loans and leases to total assets | 72.2000% | 1,553 |
| Net loans and leases to deposits | 112.1340% | 161 |
| Net loans and leases to core deposits | 121.8568% | 507 |
| Total domestic deposits to total assets | 64.3900% | 4,426 |
| Equity capital to assets | 16.6920% | 412 |
| Core capital (leverage) ratio | 17.0241% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0704% | 250 |
| Memoranda: | ||
| Average total assets | $49,409,000 | 4,336 |
| Average earning assets | $46,374,250 | 4,308 |
| Average equity | $8,706,000 | 3,860 |
| Average total loans | $36,776,750 | 4,056 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6376% | 2,337 |
| Cost of funding earning assets | 1.4128% | 1,411 |
| Net interest margin | 3.2248% | 2,925 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 2.7691% | 1,483 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.2596% | 4,218 |
| Return on assets (ROA) | 0.2596% | 4,241 |
| Pretax return on assets | 0.3214% | 4,206 |
| Return on Equity (ROE) | 1.4500% | 4,335 |
| Retained earnings to average equity (ytd only) | 1.4461% | 3,836 |
| Net charge-offs to loans | -0.0110% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.5885% | 473 |
| Assets per employee ($millions) | 7.5096% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 3,553 |
| Loan loss allowance to noncurrent loans | 296.6667% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 2,043 |
| Noncurrent loans to loans | 0.3252% | 1,968 |
| Net loans and leases to total assets | 69.5200% | 1,797 |
| Net loans and leases to deposits | 107.6219% | 259 |
| Net loans and leases to core deposits | 117.3695% | 592 |
| Total domestic deposits to total assets | 64.5900% | 4,448 |
| Equity capital to assets | 16.6511% | 402 |
| Core capital (leverage) ratio | 17.5205% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0968% | 236 |
| Memoranda: | ||
| Average total assets | $48,535,000 | 4,363 |
| Average earning assets | $45,584,333 | 4,333 |
| Average equity | $8,713,000 | 3,876 |
| Average total loans | $36,393,667 | 4,072 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 2,122 |
| Cost of funding earning assets | 1.2564% | 1,330 |
| Net interest margin | 3.3291% | 2,800 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.9407% | 1,162 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.2236% | 4,331 |
| Return on assets (ROA) | 0.2236% | 4,294 |
| Pretax return on assets | 0.2752% | 4,280 |
| Return on Equity (ROE) | 1.2000% | 4,368 |
| Retained earnings to average equity (ytd only) | 1.1964% | 3,839 |
| Net charge-offs to loans | -0.0221% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 89.4459% | 375 |
| Assets per employee ($millions) | 5.8885% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 3,678 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 75.1300% | 1,062 |
| Net loans and leases to deposits | 105.5403% | 263 |
| Net loans and leases to core deposits | 119.0675% | 459 |
| Total domestic deposits to total assets | 71.1900% | 4,384 |
| Equity capital to assets | 18.5361% | 282 |
| Core capital (leverage) ratio | 18.5903% | 319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.2163% | 201 |
| Memoranda: | ||
| Average total assets | $46,519,000 | 4,443 |
| Average earning assets | $43,615,000 | 4,418 |
| Average equity | $8,693,000 | 3,926 |
| Average total loans | $36,141,000 | 4,130 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 1,822 |
| Cost of funding earning assets | 0.4890% | 1,476 |
| Net interest margin | 3.4722% | 2,028 |
| Noninterest income to average assets | 0.1700% | 4,121 |
| Noninterest expense to average assets | 2.7484% | 1,442 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.3876% | 4,255 |
| Return on assets (ROA) | 0.3876% | 4,220 |
| Pretax return on assets | 0.4840% | 4,186 |
| Return on Equity (ROE) | 2.0300% | 4,382 |
| Retained earnings to average equity (ytd only) | 2.0271% | 3,969 |
| Net charge-offs to loans | -0.0089% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.8455% | 725 |
| Assets per employee ($millions) | 5.1033% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 3,701 |
| Loan loss allowance to noncurrent loans | 268.8000% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.2722% | 1,795 |
| Noncurrent loans to loans | 0.3420% | 1,923 |
| Net loans and leases to total assets | 78.8400% | 716 |
| Net loans and leases to deposits | 103.8340% | 310 |
| Net loans and leases to core deposits | 119.3874% | 379 |
| Total domestic deposits to total assets | 75.9200% | 4,255 |
| Equity capital to assets | 18.8417% | 257 |
| Core capital (leverage) ratio | 19.0213% | 294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $45,663,200 | 4,482 |
| Average earning assets | $42,537,400 | 4,456 |
| Average equity | $8,731,600 | 4,019 |
| Average total loans | $33,699,000 | 4,174 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 1,648 |
| Cost of funding earning assets | 0.3803% | 1,438 |
| Net interest margin | 3.4569% | 1,789 |
| Noninterest income to average assets | 0.1800% | 4,105 |
| Noninterest expense to average assets | 2.7311% | 1,398 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 0.3743% | 4,279 |
| Return on assets (ROA) | 0.3743% | 4,226 |
| Pretax return on assets | 0.4679% | 4,188 |
| Return on Equity (ROE) | 1.9500% | 4,412 |
| Retained earnings to average equity (ytd only) | 1.9502% | 4,043 |
| Net charge-offs to loans | -0.0121% | 3,781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.4143% | 809 |
| Assets per employee ($millions) | 5.3273% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 3,648 |
| Loan loss allowance to noncurrent loans | 264.5669% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 1,897 |
| Noncurrent loans to loans | 0.3636% | 1,935 |
| Net loans and leases to total assets | 72.1400% | 1,279 |
| Net loans and leases to deposits | 97.0974% | 492 |
| Net loans and leases to core deposits | 105.3226% | 605 |
| Total domestic deposits to total assets | 74.3000% | 4,447 |
| Equity capital to assets | 17.8034% | 283 |
| Core capital (leverage) ratio | 18.7166% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $45,596,500 | 4,517 |
| Average earning assets | $42,426,250 | 4,491 |
| Average equity | $8,751,000 | 4,064 |
| Average total loans | $32,987,500 | 4,216 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7315% | 1,467 |
| Cost of funding earning assets | 0.2966% | 1,743 |
| Net interest margin | 3.4349% | 1,499 |
| Noninterest income to average assets | 0.2142% | 3,920 |
| Noninterest expense to average assets | 2.7313% | 1,313 |
| Loan and lease loss provision to assets | 0.2276% | 342 |
| Net operating income to assets | 0.3704% | 4,168 |
| Return on assets (ROA) | 0.3704% | 4,124 |
| Pretax return on assets | 0.4597% | 4,065 |
| Return on Equity (ROE) | 1.8815% | 4,364 |
| Retained earnings to average equity (ytd only) | 1.8815% | 3,785 |
| Net charge-offs to loans | -0.0124% | 3,665 |
| Credit loss provision to net charge-offs | -2,550.0000% | 3,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8512% | 1,029 |
| Assets per employee ($millions) | 5.8659% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 3,815 |
| Loan loss allowance to noncurrent loans | 113.6364% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 914 |
| Noncurrent loans to loans | 0.8317% | 1,026 |
| Net loans and leases to total assets | 72.5851% | 1,047 |
| Net loans and leases to deposits | 101.7414% | 219 |
| Net loans and leases to core deposits | 106.8880% | 420 |
| Total domestic deposits to total assets | 71.3427% | 4,594 |
| Equity capital to assets | 18.5416% | 209 |
| Core capital (leverage) ratio | 19.0849% | 231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $44,813,333 | 4,570 |
| Average earning assets | $41,806,667 | 4,555 |
| Average equity | $8,822,667 | 4,118 |
| Average total loans | $32,341,667 | 4,276 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6395% | 1,401 |
| Cost of funding earning assets | 0.2634% | 1,999 |
| Net interest margin | 3.3761% | 1,361 |
| Noninterest income to average assets | 0.2925% | 3,372 |
| Noninterest expense to average assets | 2.7150% | 1,326 |
| Loan and lease loss provision to assets | 0.3291% | 180 |
| Net operating income to assets | 0.3291% | 4,088 |
| Return on assets (ROA) | 0.3291% | 4,057 |
| Pretax return on assets | 0.4114% | 4,013 |
| Return on Equity (ROE) | 1.6210% | 4,322 |
| Retained earnings to average equity (ytd only) | 1.6210% | 3,651 |
| Net charge-offs to loans | -0.0128% | 3,688 |
| Credit loss provision to net charge-offs | -3,600.0000% | 3,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5132% | 1,356 |
| Assets per employee ($millions) | 5.0594% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 3,955 |
| Loan loss allowance to noncurrent loans | 232.3308% | 2,420 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 1,955 |
| Noncurrent loans to loans | 0.4008% | 2,058 |
| Net loans and leases to total assets | 72.2016% | 814 |
| Net loans and leases to deposits | 102.7503% | 130 |
| Net loans and leases to core deposits | 106.4394% | 341 |
| Total domestic deposits to total assets | 70.2690% | 4,655 |
| Equity capital to assets | 19.2885% | 184 |
| Core capital (leverage) ratio | 20.1331% | 164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $43,756,500 | 4,599 |
| Average earning assets | $40,994,500 | 4,583 |
| Average equity | $8,883,500 | 4,168 |
| Average total loans | $31,319,000 | 4,305 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9827% | 1,399 |
| Cost of funding earning assets | 0.3819% | 1,668 |
| Net interest margin | 3.6007% | 1,468 |
| Noninterest income to average assets | 0.1641% | 4,334 |
| Noninterest expense to average assets | 2.9503% | 1,063 |
| Loan and lease loss provision to assets | 0.1641% | 717 |
| Net operating income to assets | 0.3463% | 4,357 |
| Return on assets (ROA) | 0.3463% | 4,384 |
| Pretax return on assets | 0.4375% | 4,349 |
| Return on Equity (ROE) | 1.4821% | 4,557 |
| Retained earnings to average equity (ytd only) | 1.4821% | 4,125 |
| Net charge-offs to loans | -0.0724% | 4,469 |
| Credit loss provision to net charge-offs | -315.7895% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7449% | 697 |
| Assets per employee ($millions) | 5.9969% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 4,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,770 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 69.5126% | 1,092 |
| Net loans and leases to deposits | 103.0986% | 142 |
| Net loans and leases to core deposits | 107.2991% | 339 |
| Total domestic deposits to total assets | 67.4234% | 4,715 |
| Equity capital to assets | 21.4017% | 137 |
| Core capital (leverage) ratio | 21.8277% | 127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $38,402,600 | 4,677 |
| Average earning assets | $36,131,400 | 4,657 |
| Average equity | $8,973,800 | 4,249 |
| Average total loans | $26,257,200 | 4,452 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 1,454 |
| Cost of funding earning assets | 0.4302% | 1,487 |
| Net interest margin | 3.6073% | 1,583 |
| Noninterest income to average assets | 0.1742% | 4,336 |
| Noninterest expense to average assets | 3.0108% | 950 |
| Loan and lease loss provision to assets | 0.1786% | 598 |
| Net operating income to assets | 0.3021% | 4,518 |
| Return on assets (ROA) | 0.3021% | 4,541 |
| Pretax return on assets | 0.3839% | 4,509 |
| Return on Equity (ROE) | 1.2633% | 4,673 |
| Retained earnings to average equity (ytd only) | 1.2633% | 4,357 |
| Net charge-offs to loans | 0.0681% | 966 |
| Credit loss provision to net charge-offs | 384.6154% | 877 |
| Earnings coverage of net charge-offs (x) | 12.1538% | 1,963 |
| Efficiency ratio | 82.8856% | 587 |
| Assets per employee ($millions) | 5.4917% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8654% | 4,238 |
| Loan loss allowance to noncurrent loans | 2,875.0000% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0208% | 4,054 |
| Noncurrent loans to loans | 0.0301% | 3,985 |
| Net loans and leases to total assets | 68.5344% | 1,252 |
| Net loans and leases to deposits | 102.1163% | 187 |
| Net loans and leases to core deposits | 109.0661% | 344 |
| Total domestic deposits to total assets | 67.1141% | 4,788 |
| Equity capital to assets | 23.3234% | 117 |
| Core capital (leverage) ratio | 22.9462% | 118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,508,750 | 4,755 |
| Average earning assets | $35,335,000 | 4,735 |
| Average equity | $8,971,250 | 4,306 |
| Average total loans | $25,458,500 | 4,522 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1253% | 1,304 |
| Cost of funding earning assets | 0.4685% | 1,395 |
| Net interest margin | 3.6568% | 1,452 |
| Noninterest income to average assets | 0.2043% | 4,180 |
| Noninterest expense to average assets | 3.1023% | 840 |
| Loan and lease loss provision to assets | 0.1344% | 916 |
| Net operating income to assets | 0.3226% | 4,501 |
| Return on assets (ROA) | 0.3226% | 4,523 |
| Pretax return on assets | 0.4086% | 4,495 |
| Return on Equity (ROE) | 1.3373% | 4,664 |
| Retained earnings to average equity (ytd only) | 1.3373% | 4,269 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6283% | 569 |
| Assets per employee ($millions) | 5.5013% | 3,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 4,306 |
| Loan loss allowance to noncurrent loans | 2,422.2222% | 365 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 4,105 |
| Noncurrent loans to loans | 0.0346% | 4,027 |
| Net loans and leases to total assets | 67.0311% | 1,576 |
| Net loans and leases to deposits | 99.5411% | 269 |
| Net loans and leases to core deposits | 106.2701% | 462 |
| Total domestic deposits to total assets | 67.3401% | 4,803 |
| Equity capital to assets | 23.2283% | 111 |
| Core capital (leverage) ratio | 22.5165% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,197,667 | 4,789 |
| Average earning assets | $35,003,333 | 4,767 |
| Average equity | $8,973,000 | 4,327 |
| Average total loans | $25,086,000 | 4,567 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 1,285 |
| Cost of funding earning assets | 0.5481% | 1,112 |
| Net interest margin | 3.6034% | 1,575 |
| Noninterest income to average assets | 0.1314% | 4,547 |
| Noninterest expense to average assets | 2.9774% | 1,034 |
| Loan and lease loss provision to assets | 0.0657% | 1,831 |
| Net operating income to assets | 0.3722% | 4,411 |
| Return on assets (ROA) | 0.3722% | 4,439 |
| Pretax return on assets | 0.4707% | 4,395 |
| Return on Equity (ROE) | 1.5133% | 4,659 |
| Retained earnings to average equity (ytd only) | 1.5133% | 4,120 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1776% | 640 |
| Assets per employee ($millions) | 5.4120% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7964% | 4,415 |
| Loan loss allowance to noncurrent loans | 1,990.0000% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 4,175 |
| Noncurrent loans to loans | 0.0400% | 4,082 |
| Net loans and leases to total assets | 65.4313% | 1,878 |
| Net loans and leases to deposits | 94.0150% | 493 |
| Net loans and leases to core deposits | 99.2036% | 751 |
| Total domestic deposits to total assets | 69.5967% | 4,779 |
| Equity capital to assets | 23.5957% | 110 |
| Core capital (leverage) ratio | 23.4001% | 115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $36,542,000 | 4,816 |
| Average earning assets | $34,300,500 | 4,794 |
| Average equity | $8,987,000 | 4,337 |
| Average total loans | $24,613,500 | 4,602 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 2,341 |
| Cost of funding earning assets | 0.7539% | 1,432 |
| Net interest margin | 3.3744% | 2,854 |
| Noninterest income to average assets | 0.1166% | 4,685 |
| Noninterest expense to average assets | 4.1024% | 344 |
| Loan and lease loss provision to assets | 0.1507% | 2,490 |
| Net operating income to assets | -0.9467% | 4,927 |
| Return on assets (ROA) | -0.9467% | 4,930 |
| Pretax return on assets | -0.9808% | 4,925 |
| Return on Equity (ROE) | -3.6286% | 4,880 |
| Retained earnings to average equity (ytd only) | -3.6286% | 4,801 |
| Net charge-offs to loans | 0.0673% | 1,822 |
| Credit loss provision to net charge-offs | 331.2500% | 1,635 |
| Earnings coverage of net charge-offs (x) | -18.2500% | 3,419 |
| Efficiency ratio | 123.1103% | 72 |
| Assets per employee ($millions) | 5.8667% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2186% | 4,925 |
| Loan loss allowance to noncurrent loans | 441.6667% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 4,190 |
| Noncurrent loans to loans | 0.0495% | 4,096 |
| Net loans and leases to total assets | 68.7131% | 1,734 |
| Net loans and leases to deposits | 94.8659% | 610 |
| Net loans and leases to core deposits | 101.7115% | 826 |
| Total domestic deposits to total assets | 72.4318% | 4,697 |
| Equity capital to assets | 25.6676% | 90 |
| Core capital (leverage) ratio | 24.5709% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,174,600 | 4,827 |
| Average earning assets | $32,895,000 | 4,815 |
| Average equity | $9,177,000 | 4,288 |
| Average total loans | $23,783,800 | 4,645 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9329% | 3,157 |
| Cost of funding earning assets | 0.7947% | 1,524 |
| Net interest margin | 3.1382% | 3,651 |
| Noninterest income to average assets | 0.0834% | 4,812 |
| Noninterest expense to average assets | 3.9542% | 393 |
| Loan and lease loss provision to assets | 0.1905% | 2,084 |
| Net operating income to assets | -1.0085% | 4,947 |
| Return on assets (ROA) | -1.0085% | 4,949 |
| Pretax return on assets | -1.1260% | 4,949 |
| Return on Equity (ROE) | -3.8497% | 4,897 |
| Retained earnings to average equity (ytd only) | -3.8497% | 4,810 |
| Net charge-offs to loans | 0.0901% | 1,404 |
| Credit loss provision to net charge-offs | 312.5000% | 1,724 |
| Earnings coverage of net charge-offs (x) | -15.4375% | 3,209 |
| Efficiency ratio | 128.6432% | 60 |
| Assets per employee ($millions) | 5.8830% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2103% | 4,960 |
| Loan loss allowance to noncurrent loans | 384.6154% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 3,696 |
| Noncurrent loans to loans | 0.0547% | 4,155 |
| Net loans and leases to total assets | 67.2191% | 2,358 |
| Net loans and leases to deposits | 91.3490% | 1,123 |
| Net loans and leases to core deposits | 97.8030% | 1,319 |
| Total domestic deposits to total assets | 73.5849% | 4,598 |
| Equity capital to assets | 25.7805% | 89 |
| Core capital (leverage) ratio | 24.8109% | 101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,168,250 | 4,854 |
| Average earning assets | $32,884,000 | 4,837 |
| Average equity | $9,212,500 | 4,302 |
| Average total loans | $23,669,750 | 4,678 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7266% | 1,344 |
| Cost of funding earning assets | 0.9880% | 1,022 |
| Net interest margin | 3.7386% | 2,033 |
| Noninterest income to average assets | 0.0849% | 4,821 |
| Noninterest expense to average assets | 4.7828% | 214 |
| Loan and lease loss provision to assets | 0.2038% | 2,014 |
| Net operating income to assets | -1.4320% | 4,993 |
| Return on assets (ROA) | -1.4320% | 4,994 |
| Pretax return on assets | -1.4320% | 4,980 |
| Return on Equity (ROE) | -5.4707% | 4,932 |
| Retained earnings to average equity (ytd only) | -5.4707% | 4,791 |
| Net charge-offs to loans | 0.1354% | 1,037 |
| Credit loss provision to net charge-offs | 225.0000% | 1,820 |
| Earnings coverage of net charge-offs (x) | -13.5625% | 2,990 |
| Efficiency ratio | 132.6433% | 60 |
| Assets per employee ($millions) | 4.9720% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1530% | 5,004 |
| Loan loss allowance to noncurrent loans | 19.4595% | 4,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5315% | 2,232 |
| Noncurrent loans to loans | 0.7865% | 1,927 |
| Net loans and leases to total assets | 67.4807% | 2,436 |
| Net loans and leases to deposits | 92.0622% | 1,151 |
| Net loans and leases to core deposits | 97.3110% | 1,473 |
| Total domestic deposits to total assets | 73.2990% | 4,636 |
| Equity capital to assets | 26.2240% | 86 |
| Core capital (leverage) ratio | 24.4567% | 105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,335,000 | 4,876 |
| Average earning assets | $32,793,333 | 4,862 |
| Average equity | $9,249,333 | 4,316 |
| Average total loans | $23,634,000 | 4,699 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7242% | 1,636 |
| Cost of funding earning assets | 1.0593% | 1,186 |
| Net interest margin | 3.6649% | 2,452 |
| Noninterest income to average assets | 0.0681% | 4,926 |
| Noninterest expense to average assets | 4.3791% | 339 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.8962% | 4,977 |
| Return on assets (ROA) | -0.8962% | 4,957 |
| Pretax return on assets | -0.8962% | 4,943 |
| Return on Equity (ROE) | -3.3940% | 4,885 |
| Retained earnings to average equity (ytd only) | -3.3940% | 4,397 |
| Net charge-offs to loans | 0.2690% | 541 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -4.9375% | 2,519 |
| Efficiency ratio | 125.7329% | 89 |
| Assets per employee ($millions) | 5.0660% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 4,127 |
| Loan loss allowance to noncurrent loans | 112.6316% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 2,384 |
| Noncurrent loans to loans | 0.7950% | 2,019 |
| Net loans and leases to total assets | 66.7898% | 2,724 |
| Net loans and leases to deposits | 91.1628% | 1,383 |
| Net loans and leases to core deposits | 96.2531% | 1,770 |
| Total domestic deposits to total assets | 73.2643% | 4,706 |
| Equity capital to assets | 26.1096% | 98 |
| Core capital (leverage) ratio | 24.8179% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $35,258,500 | 4,908 |
| Average earning assets | $32,852,000 | 4,892 |
| Average equity | $9,310,500 | 4,330 |
| Average total loans | $23,788,000 | 4,724 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 1,558 |
| Cost of funding earning assets | 1.1046% | 1,305 |
| Net interest margin | 3.8630% | 2,293 |
| Noninterest income to average assets | 2.0635% | 243 |
| Noninterest expense to average assets | 4.5443% | 293 |
| Loan and lease loss provision to assets | -0.7602% | 5,175 |
| Net operating income to assets | 1.8978% | 432 |
| Return on assets (ROA) | 1.8978% | 449 |
| Pretax return on assets | 1.8978% | 751 |
| Return on Equity (ROE) | 7.5270% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.5270% | 1,154 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9799% | 947 |
| Assets per employee ($millions) | 5.0079% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 3,643 |
| Loan loss allowance to noncurrent loans | 60.0522% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.0926% | 1,121 |
| Noncurrent loans to loans | 1.6176% | 867 |
| Net loans and leases to total assets | 66.8863% | 2,850 |
| Net loans and leases to deposits | 92.0646% | 1,362 |
| Net loans and leases to core deposits | 96.2955% | 1,878 |
| Total domestic deposits to total assets | 72.6515% | 4,844 |
| Equity capital to assets | 26.7066% | 102 |
| Core capital (leverage) ratio | 25.2164% | 122 |
| Tier 1 risk-based capital ratio | 46.7827% | 163 |
| Total risk-based capital ratio | 48.0180% | 160 |
| Memoranda: | ||
| Average total assets | $34,988,600 | 4,967 |
| Average earning assets | $32,772,400 | 4,950 |
| Average equity | $8,821,600 | 4,404 |
| Average total loans | $23,572,600 | 4,791 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9463% | 1,685 |
| Cost of funding earning assets | 1.0594% | 1,504 |
| Net interest margin | 3.8870% | 2,305 |
| Noninterest income to average assets | 0.0763% | 5,053 |
| Noninterest expense to average assets | 3.7286% | 721 |
| Loan and lease loss provision to assets | -0.2745% | 5,223 |
| Net operating income to assets | 0.2592% | 4,890 |
| Return on assets (ROA) | 0.2592% | 4,907 |
| Pretax return on assets | 0.2592% | 4,940 |
| Return on Equity (ROE) | 1.0437% | 5,007 |
| Retained earnings to average equity (ytd only) | 1.0437% | 4,555 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4107% | 148 |
| Assets per employee ($millions) | 5.0800% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 698 |
| Loan loss allowance to noncurrent loans | 455.9140% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 3,519 |
| Noncurrent loans to loans | 0.3926% | 3,136 |
| Net loans and leases to total assets | 65.4190% | 3,126 |
| Net loans and leases to deposits | 92.9182% | 1,329 |
| Net loans and leases to core deposits | 95.2426% | 2,061 |
| Total domestic deposits to total assets | 70.4049% | 4,978 |
| Equity capital to assets | 24.6091% | 133 |
| Core capital (leverage) ratio | 23.6509% | 144 |
| Tier 1 risk-based capital ratio | 42.7052% | 205 |
| Total risk-based capital ratio | 43.9640% | 198 |
| Memoranda: | ||
| Average total assets | $34,972,000 | 5,042 |
| Average earning assets | $32,723,750 | 5,024 |
| Average equity | $8,686,500 | 4,467 |
| Average total loans | $23,546,500 | 4,860 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 1,489 |
| Cost of funding earning assets | 1.0405% | 1,532 |
| Net interest margin | 3.9588% | 2,062 |
| Noninterest income to average assets | 0.0748% | 5,111 |
| Noninterest expense to average assets | 3.5599% | 889 |
| Loan and lease loss provision to assets | -0.2761% | 5,267 |
| Net operating income to assets | 0.4888% | 4,551 |
| Return on assets (ROA) | 0.4888% | 4,583 |
| Pretax return on assets | 0.4888% | 4,714 |
| Return on Equity (ROE) | 1.9619% | 4,941 |
| Retained earnings to average equity (ytd only) | 1.9619% | 4,125 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3598% | 232 |
| Assets per employee ($millions) | 4.3633% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 598 |
| Loan loss allowance to noncurrent loans | 426.6667% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 3,343 |
| Noncurrent loans to loans | 0.4386% | 2,960 |
| Net loans and leases to total assets | 67.3036% | 2,923 |
| Net loans and leases to deposits | 92.5541% | 1,430 |
| Net loans and leases to core deposits | 98.8887% | 1,814 |
| Total domestic deposits to total assets | 72.7182% | 4,925 |
| Equity capital to assets | 25.0874% | 123 |
| Core capital (leverage) ratio | 24.7305% | 121 |
| Tier 1 risk-based capital ratio | 43.2175% | 192 |
| Total risk-based capital ratio | 44.4787% | 188 |
| Memoranda: | ||
| Average total assets | $34,776,000 | 5,082 |
| Average earning assets | $32,484,670 | 5,071 |
| Average equity | $8,665,000 | 4,488 |
| Average total loans | $23,499,670 | 4,902 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8136% | 1,864 |
| Cost of funding earning assets | 0.9504% | 1,792 |
| Net interest margin | 3.8632% | 2,297 |
| Noninterest income to average assets | 0.0691% | 5,164 |
| Noninterest expense to average assets | 3.5724% | 872 |
| Loan and lease loss provision to assets | -0.2766% | 5,316 |
| Net operating income to assets | 0.3803% | 4,768 |
| Return on assets (ROA) | 0.3803% | 4,780 |
| Pretax return on assets | 0.3803% | 4,862 |
| Return on Equity (ROE) | 1.5315% | 5,023 |
| Retained earnings to average equity (ytd only) | 1.5315% | 4,192 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1787% | 210 |
| Assets per employee ($millions) | 4.3555% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0114% | 486 |
| Loan loss allowance to noncurrent loans | 437.0370% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 3,366 |
| Noncurrent loans to loans | 0.4602% | 2,934 |
| Net loans and leases to total assets | 65.9913% | 3,052 |
| Net loans and leases to deposits | 90.4350% | 1,577 |
| Net loans and leases to core deposits | 100.8199% | 1,545 |
| Total domestic deposits to total assets | 72.9710% | 5,001 |
| Equity capital to assets | 24.8422% | 120 |
| Core capital (leverage) ratio | 24.4221% | 122 |
| Tier 1 risk-based capital ratio | 44.8606% | 171 |
| Total risk-based capital ratio | 46.1239% | 171 |
| Memoranda: | ||
| Average total assets | $34,711,000 | 5,134 |
| Average earning assets | $32,408,000 | 5,125 |
| Average equity | $8,619,000 | 4,519 |
| Average total loans | $23,279,000 | 4,965 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 1,702 |
| Cost of funding earning assets | 0.7208% | 1,951 |
| Net interest margin | 4.0212% | 1,919 |
| Noninterest income to average assets | 0.0902% | 5,181 |
| Noninterest expense to average assets | 3.8374% | 655 |
| Loan and lease loss provision to assets | -0.5409% | 5,388 |
| Net operating income to assets | 0.5319% | 4,592 |
| Return on assets (ROA) | 0.3245% | 4,972 |
| Pretax return on assets | 0.3245% | 5,027 |
| Return on Equity (ROE) | 1.2705% | 5,132 |
| Retained earnings to average equity (ytd only) | 1.2705% | 4,626 |
| Net charge-offs to loans | -0.1959% | 5,265 |
| Credit loss provision to net charge-offs | 418.6047% | 797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2355% | 139 |
| Assets per employee ($millions) | 4.3223% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1479% | 366 |
| Loan loss allowance to noncurrent loans | 450.9091% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 3,283 |
| Noncurrent loans to loans | 0.4764% | 2,845 |
| Net loans and leases to total assets | 65.3479% | 3,218 |
| Net loans and leases to deposits | 89.4749% | 1,867 |
| Net loans and leases to core deposits | 109.5086% | 1,032 |
| Total domestic deposits to total assets | 73.0349% | 5,005 |
| Equity capital to assets | 24.8192% | 109 |
| Core capital (leverage) ratio | 24.8576% | 117 |
| Tier 1 risk-based capital ratio | 45.1849% | 174 |
| Total risk-based capital ratio | 46.4513% | 169 |
| Memoranda: | ||
| Average total assets | $33,277,600 | 5,201 |
| Average earning assets | $30,936,000 | 5,184 |
| Average equity | $8,500,800 | 4,528 |
| Average total loans | $21,945,000 | 5,029 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 1,839 |
| Cost of funding earning assets | 0.6535% | 2,131 |
| Net interest margin | 3.9950% | 1,974 |
| Noninterest income to average assets | 0.0971% | 5,221 |
| Noninterest expense to average assets | 4.0057% | 527 |
| Loan and lease loss provision to assets | -0.5462% | 5,457 |
| Net operating income to assets | 0.3480% | 5,033 |
| Return on assets (ROA) | 0.3480% | 5,027 |
| Pretax return on assets | 0.3480% | 5,091 |
| Return on Equity (ROE) | 1.3520% | 5,200 |
| Retained earnings to average equity (ytd only) | 1.3520% | 4,761 |
| Net charge-offs to loans | -0.2647% | 5,343 |
| Credit loss provision to net charge-offs | 313.9535% | 984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2072% | 106 |
| Assets per employee ($millions) | 3.6869% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5143% | 236 |
| Loan loss allowance to noncurrent loans | 1,104.0816% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 4,208 |
| Noncurrent loans to loans | 0.2277% | 3,889 |
| Net loans and leases to total assets | 63.2150% | 3,523 |
| Net loans and leases to deposits | 87.5934% | 2,201 |
| Net loans and leases to core deposits | 93.8565% | 2,304 |
| Total domestic deposits to total assets | 72.1686% | 5,116 |
| Equity capital to assets | 25.4897% | 106 |
| Core capital (leverage) ratio | 25.4782% | 103 |
| Tier 1 risk-based capital ratio | 49.4228% | 136 |
| Total risk-based capital ratio | 50.6945% | 135 |
| Memoranda: | ||
| Average total assets | $32,952,500 | 5,276 |
| Average earning assets | $30,604,250 | 5,259 |
| Average equity | $8,480,500 | 4,576 |
| Average total loans | $21,658,250 | 5,099 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6813% | 1,547 |
| Cost of funding earning assets | 0.6360% | 2,013 |
| Net interest margin | 4.0453% | 1,710 |
| Noninterest income to average assets | 0.1095% | 5,237 |
| Noninterest expense to average assets | 4.1854% | 418 |
| Loan and lease loss provision to assets | -0.5475% | 5,516 |
| Net operating income to assets | 0.2251% | 5,206 |
| Return on assets (ROA) | 0.2251% | 5,202 |
| Pretax return on assets | 0.2251% | 5,219 |
| Return on Equity (ROE) | 0.8718% | 5,284 |
| Retained earnings to average equity (ytd only) | 0.8718% | 4,787 |
| Net charge-offs to loans | -0.3962% | 5,412 |
| Credit loss provision to net charge-offs | 209.3023% | 1,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3465% | 105 |
| Assets per employee ($millions) | 3.6167% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8060% | 181 |
| Loan loss allowance to noncurrent loans | 1,105.6604% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 4,170 |
| Noncurrent loans to loans | 0.2538% | 3,792 |
| Net loans and leases to total assets | 62.3594% | 3,558 |
| Net loans and leases to deposits | 87.1383% | 2,200 |
| Net loans and leases to core deposits | 89.4264% | 2,617 |
| Total domestic deposits to total assets | 71.5637% | 5,209 |
| Equity capital to assets | 25.9969% | 101 |
| Core capital (leverage) ratio | 24.6569% | 111 |
| Tier 1 risk-based capital ratio | 50.3703% | 132 |
| Total risk-based capital ratio | 51.6488% | 129 |
| Memoranda: | ||
| Average total assets | $32,876,000 | 5,342 |
| Average earning assets | $30,504,330 | 5,324 |
| Average equity | $8,488,000 | 4,617 |
| Average total loans | $21,705,330 | 5,155 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6855% | 1,340 |
| Cost of funding earning assets | 0.6134% | 1,956 |
| Net interest margin | 4.0721% | 1,510 |
| Noninterest income to average assets | 0.1695% | 5,008 |
| Noninterest expense to average assets | 3.8863% | 601 |
| Loan and lease loss provision to assets | -0.5448% | 5,578 |
| Net operating income to assets | 0.6053% | 4,410 |
| Return on assets (ROA) | 0.6053% | 4,416 |
| Pretax return on assets | 0.6053% | 4,669 |
| Return on Equity (ROE) | 2.3527% | 5,127 |
| Retained earnings to average equity (ytd only) | 2.3527% | 4,220 |
| Net charge-offs to loans | -0.7415% | 5,521 |
| Credit loss provision to net charge-offs | 109.7561% | 1,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4663% | 199 |
| Assets per employee ($millions) | 4.0890% | 3,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8399% | 185 |
| Loan loss allowance to noncurrent loans | 365.6977% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 2,770 |
| Noncurrent loans to loans | 0.7766% | 2,262 |
| Net loans and leases to total assets | 65.7863% | 3,064 |
| Net loans and leases to deposits | 91.7580% | 1,479 |
| Net loans and leases to core deposits | 94.1424% | 2,123 |
| Total domestic deposits to total assets | 71.6954% | 5,302 |
| Equity capital to assets | 25.9446% | 95 |
| Core capital (leverage) ratio | 25.1024% | 106 |
| Tier 1 risk-based capital ratio | 48.3030% | 145 |
| Total risk-based capital ratio | 49.5818% | 141 |
| Memoranda: | ||
| Average total assets | $33,039,000 | 5,392 |
| Average earning assets | $30,647,500 | 5,377 |
| Average equity | $8,501,000 | 4,662 |
| Average total loans | $22,116,000 | 5,205 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 1,887 |
| Cost of funding earning assets | 0.5414% | 2,017 |
| Net interest margin | 3.9070% | 2,071 |
| Noninterest income to average assets | 0.5154% | 2,910 |
| Noninterest expense to average assets | 4.1054% | 468 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.0211% | 5,341 |
| Return on assets (ROA) | -0.0030% | 5,366 |
| Pretax return on assets | -0.0030% | 5,438 |
| Return on Equity (ROE) | -0.0119% | 5,366 |
| Retained earnings to average equity (ytd only) | -0.0119% | 5,022 |
| Net charge-offs to loans | 0.5883% | 390 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.0538% | 4,014 |
| Efficiency ratio | 99.4887% | 178 |
| Assets per employee ($millions) | 3.7073% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8665% | 165 |
| Loan loss allowance to noncurrent loans | 357.6271% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 0.7403% | 2,116 |
| Noncurrent loans to loans | 0.8015% | 2,210 |
| Net loans and leases to total assets | 64.2870% | 3,339 |
| Net loans and leases to deposits | 89.1188% | 1,881 |
| Net loans and leases to core deposits | 91.3660% | 2,425 |
| Total domestic deposits to total assets | 72.1363% | 5,315 |
| Equity capital to assets | 25.5200% | 93 |
| Core capital (leverage) ratio | 24.7469% | 103 |
| Tier 1 risk-based capital ratio | 48.5415% | 126 |
| Total risk-based capital ratio | 49.8284% | 125 |
| Memoranda: | ||
| Average total assets | $33,176,000 | 5,449 |
| Average earning assets | $30,662,600 | 5,430 |
| Average equity | $8,387,800 | 4,720 |
| Average total loans | $22,098,200 | 5,252 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3792% | 2,016 |
| Cost of funding earning assets | 0.5185% | 2,120 |
| Net interest margin | 3.8606% | 2,185 |
| Noninterest income to average assets | 0.5433% | 2,760 |
| Noninterest expense to average assets | 4.1212% | 447 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0121% | 5,517 |
| Return on assets (ROA) | -0.0402% | 5,535 |
| Pretax return on assets | -0.0402% | 5,525 |
| Return on Equity (ROE) | -0.1595% | 5,526 |
| Retained earnings to average equity (ytd only) | -0.1595% | 5,233 |
| Net charge-offs to loans | 0.8023% | 229 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -0.0226% | 3,695 |
| Efficiency ratio | 100.2938% | 173 |
| Assets per employee ($millions) | 3.6816% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8771% | 178 |
| Loan loss allowance to noncurrent loans | 344.2623% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 1.2706% | 1,274 |
| Noncurrent loans to loans | 0.8357% | 2,271 |
| Net loans and leases to total assets | 64.1848% | 3,371 |
| Net loans and leases to deposits | 89.4699% | 1,875 |
| Net loans and leases to core deposits | 90.7682% | 2,545 |
| Total domestic deposits to total assets | 71.7390% | 5,392 |
| Equity capital to assets | 25.8405% | 92 |
| Core capital (leverage) ratio | 24.6687% | 105 |
| Tier 1 risk-based capital ratio | 48.1969% | 137 |
| Total risk-based capital ratio | 49.4883% | 134 |
| Memoranda: | ||
| Average total assets | $33,128,500 | 5,511 |
| Average earning assets | $30,598,750 | 5,490 |
| Average equity | $8,356,000 | 4,775 |
| Average total loans | $22,102,000 | 5,305 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3541% | 1,964 |
| Cost of funding earning assets | 0.5026% | 2,145 |
| Net interest margin | 3.8514% | 2,090 |
| Noninterest income to average assets | 0.7003% | 1,989 |
| Noninterest expense to average assets | 4.1719% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0906% | 5,501 |
| Return on assets (ROA) | 0.0483% | 5,533 |
| Pretax return on assets | 0.0483% | 5,529 |
| Return on Equity (ROE) | 0.1931% | 5,542 |
| Retained earnings to average equity (ytd only) | 0.1931% | 5,029 |
| Net charge-offs to loans | 0.0271% | 2,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,867 |
| Efficiency ratio | 97.8754% | 218 |
| Assets per employee ($millions) | 3.6788% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4890% | 96 |
| Loan loss allowance to noncurrent loans | 110.4651% | 3,387 |
| Noncurrent assets plus other real estate owned to assets | 2.0780% | 598 |
| Noncurrent loans to loans | 3.1584% | 395 |
| Net loans and leases to total assets | 63.4963% | 3,452 |
| Net loans and leases to deposits | 88.8734% | 1,882 |
| Net loans and leases to core deposits | 90.1656% | 2,509 |
| Total domestic deposits to total assets | 71.4458% | 5,485 |
| Equity capital to assets | 25.9657% | 88 |
| Core capital (leverage) ratio | 26.3603% | 88 |
| Tier 1 risk-based capital ratio | 51.3449% | 110 |
| Total risk-based capital ratio | 52.6331% | 108 |
| Memoranda: | ||
| Average total assets | $33,126,670 | 5,557 |
| Average earning assets | $30,638,000 | 5,538 |
| Average equity | $8,287,330 | 4,807 |
| Average total loans | $22,170,330 | 5,349 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 2,205 |
| Cost of funding earning assets | 0.4966% | 2,118 |
| Net interest margin | 3.7248% | 2,402 |
| Noninterest income to average assets | 1.2072% | 704 |
| Noninterest expense to average assets | 4.2251% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4225% | 4,886 |
| Return on assets (ROA) | 0.3380% | 5,127 |
| Pretax return on assets | 0.3380% | 5,253 |
| Return on Equity (ROE) | 1.3772% | 5,442 |
| Retained earnings to average equity (ytd only) | 1.3772% | 4,548 |
| Net charge-offs to loans | 0.0894% | 1,453 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,177 |
| Efficiency ratio | 90.9091% | 512 |
| Assets per employee ($millions) | 3.6790% | 4,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4291% | 121 |
| Loan loss allowance to noncurrent loans | 108.1312% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 2.3044% | 528 |
| Noncurrent loans to loans | 3.1712% | 405 |
| Net loans and leases to total assets | 64.4710% | 3,203 |
| Net loans and leases to deposits | 88.5474% | 1,726 |
| Net loans and leases to core deposits | 89.8065% | 2,365 |
| Total domestic deposits to total assets | 72.8096% | 5,500 |
| Equity capital to assets | 24.5538% | 109 |
| Core capital (leverage) ratio | 24.1341% | 111 |
| Tier 1 risk-based capital ratio | 49.4755% | 133 |
| Total risk-based capital ratio | 50.7681% | 130 |
| Memoranda: | ||
| Average total assets | $33,135,500 | 5,620 |
| Average earning assets | $30,605,500 | 5,604 |
| Average equity | $8,132,500 | 4,876 |
| Average total loans | $22,364,000 | 5,396 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4876% | 1,572 |
| Cost of funding earning assets | 0.5454% | 1,739 |
| Net interest margin | 3.9421% | 1,814 |
| Noninterest income to average assets | -0.0932% | 5,887 |
| Noninterest expense to average assets | 8.9316% | 89 |
| Loan and lease loss provision to assets | 0.1835% | 1,289 |
| Net operating income to assets | -5.5357% | 5,906 |
| Return on assets (ROA) | -5.7756% | 5,906 |
| Pretax return on assets | -5.7756% | 5,906 |
| Return on Equity (ROE) | -22.9336% | 5,878 |
| Retained earnings to average equity (ytd only) | -22.9336% | 5,866 |
| Net charge-offs to loans | 0.4366% | 588 |
| Credit loss provision to net charge-offs | 60.7477% | 3,233 |
| Earnings coverage of net charge-offs (x) | -17.7196% | 4,252 |
| Efficiency ratio | 249.5268% | 7 |
| Assets per employee ($millions) | 4.1450% | 3,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3727% | 123 |
| Loan loss allowance to noncurrent loans | 60.6518% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 4.8191% | 132 |
| Noncurrent loans to loans | 5.5607% | 126 |
| Net loans and leases to total assets | 65.9228% | 3,082 |
| Net loans and leases to deposits | 90.4090% | 1,634 |
| Net loans and leases to core deposits | 91.6869% | 2,328 |
| Total domestic deposits to total assets | 72.9162% | 5,502 |
| Equity capital to assets | 24.5326% | 107 |
| Core capital (leverage) ratio | 24.2863% | 110 |
| Tier 1 risk-based capital ratio | 47.1888% | 155 |
| Total risk-based capital ratio | 48.4729% | 154 |
| Memoranda: | ||
| Average total assets | $35,424,800 | 5,629 |
| Average earning assets | $33,002,400 | 5,608 |
| Average equity | $8,921,400 | 4,777 |
| Average total loans | $24,510,000 | 5,373 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4446% | 1,717 |
| Cost of funding earning assets | 0.5789% | 1,494 |
| Net interest margin | 3.8658% | 2,095 |
| Noninterest income to average assets | -0.1445% | 5,962 |
| Noninterest expense to average assets | 10.1245% | 71 |
| Loan and lease loss provision to assets | 0.2408% | 794 |
| Net operating income to assets | -6.8978% | 5,979 |
| Return on assets (ROA) | -6.8571% | 5,979 |
| Pretax return on assets | -6.8571% | 5,979 |
| Return on Equity (ROE) | -27.0667% | 5,954 |
| Retained earnings to average equity (ytd only) | -27.0667% | 5,937 |
| Net charge-offs to loans | 0.2402% | 972 |
| Credit loss provision to net charge-offs | 144.4444% | 1,819 |
| Earnings coverage of net charge-offs (x) | -39.9323% | 3,938 |
| Efficiency ratio | 291.9872% | 5 |
| Assets per employee ($millions) | 4.2489% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5021% | 115 |
| Loan loss allowance to noncurrent loans | 52.2483% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 5.0808% | 141 |
| Noncurrent loans to loans | 6.7029% | 93 |
| Net loans and leases to total assets | 66.8765% | 2,973 |
| Net loans and leases to deposits | 92.2490% | 1,465 |
| Net loans and leases to core deposits | 93.5242% | 2,230 |
| Total domestic deposits to total assets | 72.4957% | 5,565 |
| Equity capital to assets | 24.6095% | 113 |
| Core capital (leverage) ratio | 24.3684% | 108 |
| Tier 1 risk-based capital ratio | 46.6570% | 163 |
| Total risk-based capital ratio | 47.9473% | 161 |
| Memoranda: | ||
| Average total assets | $35,991,000 | 5,677 |
| Average earning assets | $33,627,750 | 5,654 |
| Average equity | $9,118,000 | 4,783 |
| Average total loans | $24,981,750 | 5,406 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 1,741 |
| Cost of funding earning assets | 0.6004% | 1,311 |
| Net interest margin | 3.8296% | 2,210 |
| Noninterest income to average assets | 0.0273% | 5,959 |
| Noninterest expense to average assets | 12.4940% | 55 |
| Loan and lease loss provision to assets | 0.3546% | 459 |
| Net operating income to assets | -9.2368% | 6,057 |
| Return on assets (ROA) | -9.1768% | 6,057 |
| Pretax return on assets | -9.1768% | 6,057 |
| Return on Equity (ROE) | -35.9056% | 6,037 |
| Retained earnings to average equity (ytd only) | -35.9056% | 6,020 |
| Net charge-offs to loans | 0.1571% | 1,390 |
| Credit loss provision to net charge-offs | 325.0000% | 910 |
| Earnings coverage of net charge-offs (x) | -81.4000% | 3,679 |
| Efficiency ratio | 345.9215% | 7 |
| Assets per employee ($millions) | 4.9870% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5018% | 122 |
| Loan loss allowance to noncurrent loans | 49.4474% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 5.3711% | 129 |
| Noncurrent loans to loans | 7.0819% | 83 |
| Net loans and leases to total assets | 67.0973% | 2,925 |
| Net loans and leases to deposits | 92.2674% | 1,479 |
| Net loans and leases to core deposits | 93.5013% | 2,211 |
| Total domestic deposits to total assets | 72.7205% | 5,622 |
| Equity capital to assets | 24.4521% | 107 |
| Core capital (leverage) ratio | 23.4617% | 110 |
| Tier 1 risk-based capital ratio | 45.9903% | 167 |
| Total risk-based capital ratio | 47.2801% | 165 |
| Memoranda: | ||
| Average total assets | $36,657,670 | 5,728 |
| Average earning assets | $34,311,670 | 5,700 |
| Average equity | $9,369,000 | 4,761 |
| Average total loans | $25,456,670 | 5,444 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4417% | 1,676 |
| Cost of funding earning assets | 0.6248% | 1,187 |
| Net interest margin | 3.8169% | 2,231 |
| Noninterest income to average assets | 0.0853% | 5,871 |
| Noninterest expense to average assets | 4.5721% | 370 |
| Loan and lease loss provision to assets | 0.6501% | 166 |
| Net operating income to assets | -1.5560% | 6,061 |
| Return on assets (ROA) | -1.5347% | 6,060 |
| Pretax return on assets | -1.5347% | 6,056 |
| Return on Equity (ROE) | -5.8863% | 5,985 |
| Retained earnings to average equity (ytd only) | -5.8863% | 5,650 |
| Net charge-offs to loans | 0.8446% | 242 |
| Credit loss provision to net charge-offs | 110.9091% | 1,515 |
| Earnings coverage of net charge-offs (x) | -1.5455% | 3,015 |
| Efficiency ratio | 124.7093% | 87 |
| Assets per employee ($millions) | 5.3260% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1472% | 195 |
| Loan loss allowance to noncurrent loans | 46.0534% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 5.1687% | 155 |
| Noncurrent loans to loans | 6.8338% | 107 |
| Net loans and leases to total assets | 66.9438% | 2,816 |
| Net loans and leases to deposits | 91.1841% | 1,440 |
| Net loans and leases to core deposits | 92.3140% | 2,158 |
| Total domestic deposits to total assets | 73.4161% | 5,658 |
| Equity capital to assets | 26.0769% | 80 |
| Core capital (leverage) ratio | 25.7920% | 81 |
| Tier 1 risk-based capital ratio | 46.9839% | 153 |
| Total risk-based capital ratio | 48.2668% | 152 |
| Memoranda: | ||
| Average total assets | $37,532,000 | 5,767 |
| Average earning assets | $35,211,500 | 5,740 |
| Average equity | $9,785,500 | 4,711 |
| Average total loans | $26,048,500 | 5,484 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6067% | 1,315 |
| Cost of funding earning assets | 0.6534% | 1,056 |
| Net interest margin | 3.9532% | 1,858 |
| Noninterest income to average assets | -0.1120% | 6,150 |
| Noninterest expense to average assets | 4.0158% | 660 |
| Loan and lease loss provision to assets | 2.2777% | 25 |
| Net operating income to assets | -2.6950% | 6,155 |
| Return on assets (ROA) | -2.6950% | 6,157 |
| Pretax return on assets | -2.6950% | 6,157 |
| Return on Equity (ROE) | -10.0896% | 6,100 |
| Retained earnings to average equity (ytd only) | -10.0896% | 6,036 |
| Net charge-offs to loans | 1.3163% | 128 |
| Credit loss provision to net charge-offs | 238.0319% | 1,199 |
| Earnings coverage of net charge-offs (x) | -0.4362% | 4,304 |
| Efficiency ratio | 111.5983% | 131 |
| Assets per employee ($millions) | 3.7782% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2010% | 175 |
| Loan loss allowance to noncurrent loans | 53.9987% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 4.5763% | 204 |
| Noncurrent loans to loans | 5.9279% | 145 |
| Net loans and leases to total assets | 67.5533% | 2,778 |
| Net loans and leases to deposits | 91.6873% | 1,432 |
| Net loans and leases to core deposits | 92.8008% | 2,151 |
| Total domestic deposits to total assets | 73.6779% | 5,678 |
| Equity capital to assets | 26.0680% | 77 |
| Core capital (leverage) ratio | 25.2020% | 90 |
| Tier 1 risk-based capital ratio | 49.0033% | 134 |
| Total risk-based capital ratio | 50.2858% | 133 |
| Memoranda: | ||
| Average total assets | $39,294,400 | 5,777 |
| Average earning assets | $36,881,200 | 5,751 |
| Average equity | $10,496,000 | 4,565 |
| Average total loans | $28,565,000 | 5,421 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,231 |
| Cost of funding earning assets | 0.6549% | 1,065 |
| Net interest margin | 3.9866% | 1,740 |
| Noninterest income to average assets | -0.1714% | 6,246 |
| Noninterest expense to average assets | 3.8313% | 823 |
| Loan and lease loss provision to assets | 2.4937% | 19 |
| Net operating income to assets | -2.7525% | 6,241 |
| Return on assets (ROA) | -2.7525% | 6,242 |
| Pretax return on assets | -2.7525% | 6,241 |
| Return on Equity (ROE) | -10.2458% | 6,183 |
| Retained earnings to average equity (ytd only) | -10.2458% | 6,129 |
| Net charge-offs to loans | 0.3065% | 871 |
| Credit loss provision to net charge-offs | 1,107.4627% | 341 |
| Earnings coverage of net charge-offs (x) | -1.1492% | 4,057 |
| Efficiency ratio | 107.2437% | 179 |
| Assets per employee ($millions) | 3.8775% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5358% | 139 |
| Loan loss allowance to noncurrent loans | 60.5327% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 4.6886% | 223 |
| Noncurrent loans to loans | 5.8412% | 146 |
| Net loans and leases to total assets | 70.3598% | 2,341 |
| Net loans and leases to deposits | 95.5754% | 1,047 |
| Net loans and leases to core deposits | 96.7070% | 1,822 |
| Total domestic deposits to total assets | 73.6170% | 5,745 |
| Equity capital to assets | 26.1225% | 84 |
| Core capital (leverage) ratio | 25.2817% | 87 |
| Tier 1 risk-based capital ratio | 48.1936% | 153 |
| Total risk-based capital ratio | 49.4869% | 149 |
| Memoranda: | ||
| Average total assets | $39,672,500 | 5,847 |
| Average earning assets | $37,257,250 | 5,819 |
| Average equity | $10,657,750 | 4,595 |
| Average total loans | $29,145,750 | 5,458 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 1,111 |
| Cost of funding earning assets | 0.6688% | 1,005 |
| Net interest margin | 4.0128% | 1,605 |
| Noninterest income to average assets | -0.1151% | 6,306 |
| Noninterest expense to average assets | 3.9128% | 752 |
| Loan and lease loss provision to assets | 0.4303% | 254 |
| Net operating income to assets | -0.7055% | 6,223 |
| Return on assets (ROA) | -0.7055% | 6,227 |
| Pretax return on assets | -0.7055% | 6,216 |
| Return on Equity (ROE) | -2.6029% | 6,142 |
| Retained earnings to average equity (ytd only) | -2.6029% | 5,876 |
| Net charge-offs to loans | 0.4145% | 621 |
| Credit loss provision to net charge-offs | 140.9836% | 1,594 |
| Earnings coverage of net charge-offs (x) | -0.9016% | 3,764 |
| Efficiency ratio | 107.5653% | 203 |
| Assets per employee ($millions) | 4.3893% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 3,602 |
| Loan loss allowance to noncurrent loans | 20.9958% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 4.9742% | 224 |
| Noncurrent loans to loans | 5.8759% | 165 |
| Net loans and leases to total assets | 70.9295% | 2,171 |
| Net loans and leases to deposits | 97.6817% | 820 |
| Net loans and leases to core deposits | 98.8290% | 1,585 |
| Total domestic deposits to total assets | 72.6129% | 5,903 |
| Equity capital to assets | 27.2251% | 75 |
| Core capital (leverage) ratio | 26.5595% | 80 |
| Tier 1 risk-based capital ratio | 49.3633% | 152 |
| Total risk-based capital ratio | 50.6138% | 152 |
| Memoranda: | ||
| Average total assets | $39,971,670 | 5,901 |
| Average earning assets | $37,380,330 | 5,879 |
| Average equity | $10,834,000 | 4,596 |
| Average total loans | $29,433,670 | 5,494 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7321% | 980 |
| Cost of funding earning assets | 0.6714% | 993 |
| Net interest margin | 4.0606% | 1,384 |
| Noninterest income to average assets | -0.1890% | 6,380 |
| Noninterest expense to average assets | 3.8701% | 806 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2686% | 6,176 |
| Return on assets (ROA) | -0.2686% | 6,197 |
| Pretax return on assets | -0.2686% | 6,183 |
| Return on Equity (ROE) | -0.9932% | 6,126 |
| Retained earnings to average equity (ytd only) | -0.9932% | 5,556 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4586% | 219 |
| Assets per employee ($millions) | 4.4603% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1019% | 4,510 |
| Loan loss allowance to noncurrent loans | 15.8614% | 5,761 |
| Noncurrent assets plus other real estate owned to assets | 6.0509% | 169 |
| Noncurrent loans to loans | 6.9472% | 129 |
| Net loans and leases to total assets | 72.6627% | 1,705 |
| Net loans and leases to deposits | 99.8699% | 572 |
| Net loans and leases to core deposits | 101.0217% | 1,256 |
| Total domestic deposits to total assets | 72.7574% | 5,997 |
| Equity capital to assets | 27.0533% | 78 |
| Core capital (leverage) ratio | 26.9178% | 78 |
| Tier 1 risk-based capital ratio | 49.8165% | 156 |
| Total risk-based capital ratio | 51.0688% | 155 |
| Memoranda: | ||
| Average total assets | $40,205,500 | 5,958 |
| Average earning assets | $37,531,000 | 5,933 |
| Average equity | $10,873,500 | 4,625 |
| Average total loans | $29,965,500 | 5,511 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7187% | 1,255 |
| Cost of funding earning assets | 0.7173% | 1,023 |
| Net interest margin | 4.0015% | 1,895 |
| Noninterest income to average assets | -0.0592% | 6,437 |
| Noninterest expense to average assets | 3.4071% | 1,684 |
| Loan and lease loss provision to assets | 0.3550% | 532 |
| Net operating income to assets | -0.1159% | 6,165 |
| Return on assets (ROA) | -0.1159% | 6,168 |
| Pretax return on assets | -0.0666% | 6,126 |
| Return on Equity (ROE) | -0.4309% | 6,129 |
| Retained earnings to average equity (ytd only) | -0.4309% | 5,839 |
| Net charge-offs to loans | 0.2751% | 1,574 |
| Credit loss provision to net charge-offs | 171.4286% | 1,414 |
| Earnings coverage of net charge-offs (x) | 1.3929% | 4,429 |
| Efficiency ratio | 92.1948% | 691 |
| Assets per employee ($millions) | 4.4742% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 4,711 |
| Loan loss allowance to noncurrent loans | 18.9063% | 5,844 |
| Noncurrent assets plus other real estate owned to assets | 5.1877% | 254 |
| Noncurrent loans to loans | 5.6477% | 219 |
| Net loans and leases to total assets | 74.7790% | 1,453 |
| Net loans and leases to deposits | 102.7468% | 483 |
| Net loans and leases to core deposits | 104.8504% | 1,088 |
| Total domestic deposits to total assets | 72.7799% | 6,032 |
| Equity capital to assets | 27.0364% | 80 |
| Core capital (leverage) ratio | 27.0364% | 76 |
| Tier 1 risk-based capital ratio | 50.8335% | 132 |
| Total risk-based capital ratio | 52.0848% | 129 |
| Memoranda: | ||
| Average total assets | $40,562,800 | 6,025 |
| Average earning assets | $38,061,000 | 5,982 |
| Average equity | $10,906,200 | 4,584 |
| Average total loans | $30,533,200 | 5,545 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 1,305 |
| Cost of funding earning assets | 0.7188% | 1,054 |
| Net interest margin | 3.9811% | 1,934 |
| Noninterest income to average assets | -0.0820% | 6,522 |
| Noninterest expense to average assets | 3.3237% | 1,853 |
| Loan and lease loss provision to assets | 0.3904% | 440 |
| Net operating income to assets | -0.0853% | 6,211 |
| Return on assets (ROA) | -0.0853% | 6,214 |
| Pretax return on assets | -0.0525% | 6,176 |
| Return on Equity (ROE) | -0.3178% | 6,178 |
| Retained earnings to average equity (ytd only) | -0.3178% | 5,851 |
| Net charge-offs to loans | 0.3665% | 1,092 |
| Credit loss provision to net charge-offs | 141.6667% | 1,666 |
| Earnings coverage of net charge-offs (x) | 1.2262% | 4,202 |
| Efficiency ratio | 90.7706% | 791 |
| Assets per employee ($millions) | 5.0498% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 5,304 |
| Loan loss allowance to noncurrent loans | 15.7233% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 4.7230% | 379 |
| Noncurrent loans to loans | 6.2192% | 219 |
| Net loans and leases to total assets | 75.1993% | 1,335 |
| Net loans and leases to deposits | 103.3651% | 435 |
| Net loans and leases to core deposits | 105.4680% | 988 |
| Total domestic deposits to total assets | 72.7511% | 6,109 |
| Equity capital to assets | 27.0013% | 78 |
| Core capital (leverage) ratio | 27.0013% | 72 |
| Tier 1 risk-based capital ratio | 50.0367% | 131 |
| Total risk-based capital ratio | 51.2890% | 130 |
| Memoranda: | ||
| Average total assets | $40,636,500 | 6,092 |
| Average earning assets | $38,213,250 | 6,047 |
| Average equity | $10,911,000 | 4,613 |
| Average total loans | $30,557,250 | 5,599 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6214% | 1,471 |
| Cost of funding earning assets | 0.7388% | 972 |
| Net interest margin | 3.8826% | 2,241 |
| Noninterest income to average assets | -0.1474% | 6,613 |
| Noninterest expense to average assets | 3.2567% | 2,026 |
| Loan and lease loss provision to assets | 0.3930% | 423 |
| Net operating income to assets | -0.2063% | 6,322 |
| Return on assets (ROA) | -0.2063% | 6,333 |
| Pretax return on assets | -0.1572% | 6,288 |
| Return on Equity (ROE) | -0.7698% | 6,257 |
| Retained earnings to average equity (ytd only) | -0.7698% | 5,819 |
| Net charge-offs to loans | 0.2949% | 1,364 |
| Credit loss provision to net charge-offs | 177.7778% | 1,286 |
| Earnings coverage of net charge-offs (x) | 1.0667% | 3,895 |
| Efficiency ratio | 93.2489% | 681 |
| Assets per employee ($millions) | 5.0880% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 5,461 |
| Loan loss allowance to noncurrent loans | 13.5379% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 5.6407% | 291 |
| Noncurrent loans to loans | 7.1964% | 166 |
| Net loans and leases to total assets | 74.9140% | 1,320 |
| Net loans and leases to deposits | 102.5285% | 420 |
| Net loans and leases to core deposits | 104.5857% | 978 |
| Total domestic deposits to total assets | 73.0665% | 6,183 |
| Equity capital to assets | 26.7590% | 76 |
| Core capital (leverage) ratio | 26.7590% | 74 |
| Tier 1 risk-based capital ratio | 49.6467% | 136 |
| Total risk-based capital ratio | 50.9002% | 136 |
| Memoranda: | ||
| Average total assets | $40,716,000 | 6,151 |
| Average earning assets | $38,170,000 | 6,103 |
| Average equity | $10,912,000 | 4,632 |
| Average total loans | $30,516,670 | 5,644 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,370 |
| Cost of funding earning assets | 0.7349% | 1,047 |
| Net interest margin | 3.9160% | 2,035 |
| Noninterest income to average assets | -0.1572% | 6,674 |
| Noninterest expense to average assets | 3.2611% | 2,040 |
| Loan and lease loss provision to assets | 0.4911% | 309 |
| Net operating income to assets | -0.2456% | 6,379 |
| Return on assets (ROA) | -0.2456% | 6,383 |
| Pretax return on assets | -0.2456% | 6,368 |
| Return on Equity (ROE) | -0.9156% | 6,291 |
| Retained earnings to average equity (ytd only) | -0.9156% | 5,713 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9972% | 819 |
| Assets per employee ($millions) | 5.1165% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 5,368 |
| Loan loss allowance to noncurrent loans | 11.7275% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 7.0483% | 218 |
| Noncurrent loans to loans | 8.8478% | 135 |
| Net loans and leases to total assets | 73.3973% | 1,371 |
| Net loans and leases to deposits | 100.3876% | 421 |
| Net loans and leases to core deposits | 102.3821% | 961 |
| Total domestic deposits to total assets | 73.1139% | 6,297 |
| Equity capital to assets | 26.6320% | 82 |
| Core capital (leverage) ratio | 26.6320% | 81 |
| Tier 1 risk-based capital ratio | 50.0804% | 134 |
| Total risk-based capital ratio | 51.3346% | 132 |
| Memoranda: | ||
| Average total assets | $40,722,000 | 6,215 |
| Average earning assets | $38,100,000 | 6,171 |
| Average equity | $10,922,000 | 4,641 |
| Average total loans | $30,378,500 | 5,700 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 906 |
| Cost of funding earning assets | 0.8242% | 1,072 |
| Net interest margin | 4.1857% | 1,397 |
| Noninterest income to average assets | -0.1914% | 6,756 |
| Noninterest expense to average assets | 3.1107% | 2,699 |
| Loan and lease loss provision to assets | 0.3585% | 872 |
| Net operating income to assets | 0.2205% | 5,776 |
| Return on assets (ROA) | 0.2205% | 5,833 |
| Pretax return on assets | 0.2641% | 5,816 |
| Return on Equity (ROE) | 0.8407% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.8407% | 5,460 |
| Net charge-offs to loans | 0.5768% | 1,143 |
| Credit loss provision to net charge-offs | 81.3187% | 3,011 |
| Earnings coverage of net charge-offs (x) | 1.4121% | 4,587 |
| Efficiency ratio | 83.3225% | 1,711 |
| Assets per employee ($millions) | 5.0640% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8717% | 6,003 |
| Loan loss allowance to noncurrent loans | 15.1083% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 4.7764% | 508 |
| Noncurrent loans to loans | 5.7699% | 372 |
| Net loans and leases to total assets | 74.3829% | 1,293 |
| Net loans and leases to deposits | 102.2323% | 386 |
| Net loans and leases to core deposits | 104.2915% | 888 |
| Total domestic deposits to total assets | 72.7587% | 6,373 |
| Equity capital to assets | 27.0117% | 77 |
| Core capital (leverage) ratio | 27.0117% | 72 |
| Tier 1 risk-based capital ratio | 50.3404% | 133 |
| Total risk-based capital ratio | 51.5595% | 129 |
| Memoranda: | ||
| Average total assets | $41,277,400 | 6,249 |
| Average earning assets | $38,703,000 | 6,203 |
| Average equity | $10,823,800 | 4,671 |
| Average total loans | $31,556,000 | 5,686 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0520% | 845 |
| Cost of funding earning assets | 0.8352% | 1,120 |
| Net interest margin | 4.2169% | 1,283 |
| Noninterest income to average assets | -0.2669% | 6,843 |
| Noninterest expense to average assets | 2.9966% | 3,008 |
| Loan and lease loss provision to assets | 0.4759% | 586 |
| Net operating income to assets | 0.1768% | 5,971 |
| Return on assets (ROA) | 0.1768% | 6,042 |
| Pretax return on assets | 0.2219% | 6,009 |
| Return on Equity (ROE) | 0.6794% | 6,232 |
| Retained earnings to average equity (ytd only) | 0.6794% | 5,697 |
| Net charge-offs to loans | 0.7620% | 785 |
| Credit loss provision to net charge-offs | 81.3187% | 2,818 |
| Earnings coverage of net charge-offs (x) | 1.1923% | 4,447 |
| Efficiency ratio | 81.1140% | 1,951 |
| Assets per employee ($millions) | 5.1204% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8585% | 6,162 |
| Loan loss allowance to noncurrent loans | 30.2511% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 2.4632% | 1,568 |
| Noncurrent loans to loans | 2.8380% | 1,460 |
| Net loans and leases to total assets | 74.7064% | 1,176 |
| Net loans and leases to deposits | 102.2418% | 370 |
| Net loans and leases to core deposits | 105.2230% | 806 |
| Total domestic deposits to total assets | 73.0684% | 6,432 |
| Equity capital to assets | 26.6265% | 75 |
| Core capital (leverage) ratio | 26.6265% | 74 |
| Tier 1 risk-based capital ratio | 50.8627% | 132 |
| Total risk-based capital ratio | 52.0985% | 131 |
| Memoranda: | ||
| Average total assets | $41,468,750 | 6,315 |
| Average earning assets | $38,953,750 | 6,268 |
| Average equity | $10,794,000 | 4,734 |
| Average total loans | $31,845,250 | 5,731 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1193% | 744 |
| Cost of funding earning assets | 0.8438% | 1,178 |
| Net interest margin | 4.2754% | 1,080 |
| Noninterest income to average assets | -0.4179% | 6,900 |
| Noninterest expense to average assets | 2.9349% | 3,223 |
| Loan and lease loss provision to assets | 0.7781% | 280 |
| Net operating income to assets | -0.1585% | 6,464 |
| Return on assets (ROA) | -0.1585% | 6,498 |
| Pretax return on assets | -0.1153% | 6,436 |
| Return on Equity (ROE) | -0.6136% | 6,423 |
| Retained earnings to average equity (ytd only) | -0.6136% | 5,982 |
| Net charge-offs to loans | 1.2185% | 472 |
| Credit loss provision to net charge-offs | 82.6531% | 2,573 |
| Earnings coverage of net charge-offs (x) | 0.7041% | 4,287 |
| Efficiency ratio | 81.5754% | 1,953 |
| Assets per employee ($millions) | 5.1415% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 6,247 |
| Loan loss allowance to noncurrent loans | 30.0454% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 2.3388% | 1,840 |
| Noncurrent loans to loans | 2.8365% | 1,593 |
| Net loans and leases to total assets | 74.9538% | 1,114 |
| Net loans and leases to deposits | 102.0422% | 331 |
| Net loans and leases to core deposits | 105.0426% | 793 |
| Total domestic deposits to total assets | 73.4538% | 6,475 |
| Equity capital to assets | 26.3031% | 79 |
| Core capital (leverage) ratio | 26.3031% | 75 |
| Tier 1 risk-based capital ratio | 49.7517% | 128 |
| Total risk-based capital ratio | 50.9703% | 128 |
| Memoranda: | ||
| Average total assets | $41,637,330 | 6,358 |
| Average earning assets | $39,107,000 | 6,309 |
| Average equity | $10,756,330 | 4,779 |
| Average total loans | $32,171,330 | 5,748 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0925% | 750 |
| Cost of funding earning assets | 0.8538% | 1,234 |
| Net interest margin | 4.2387% | 1,103 |
| Noninterest income to average assets | -1.0408% | 7,007 |
| Noninterest expense to average assets | 3.0365% | 2,875 |
| Loan and lease loss provision to assets | 1.5469% | 91 |
| Net operating income to assets | -1.6424% | 6,894 |
| Return on assets (ROA) | -1.6424% | 6,898 |
| Pretax return on assets | -1.6424% | 6,888 |
| Return on Equity (ROE) | -6.4149% | 6,728 |
| Retained earnings to average equity (ytd only) | -6.4149% | 6,438 |
| Net charge-offs to loans | 2.3969% | 178 |
| Credit loss provision to net charge-offs | 82.6531% | 2,127 |
| Earnings coverage of net charge-offs (x) | -0.0510% | 3,839 |
| Efficiency ratio | 103.2468% | 450 |
| Assets per employee ($millions) | 5.1615% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8168% | 6,430 |
| Loan loss allowance to noncurrent loans | 38.5735% | 5,671 |
| Noncurrent assets plus other real estate owned to assets | 1.8575% | 2,531 |
| Noncurrent loans to loans | 2.1176% | 2,478 |
| Net loans and leases to total assets | 77.9279% | 617 |
| Net loans and leases to deposits | 105.3428% | 204 |
| Net loans and leases to core deposits | 108.4493% | 549 |
| Total domestic deposits to total assets | 73.9756% | 6,536 |
| Equity capital to assets | 25.7653% | 86 |
| Core capital (leverage) ratio | 25.7653% | 82 |
| Tier 1 risk-based capital ratio | 47.8351% | 145 |
| Total risk-based capital ratio | 49.0266% | 144 |
| Memoranda: | ||
| Average total assets | $41,890,000 | 6,405 |
| Average earning assets | $39,352,000 | 6,354 |
| Average equity | $10,725,000 | 4,830 |
| Average total loans | $32,709,500 | 5,765 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6081% | 498 |
| Cost of funding earning assets | 1.0557% | 1,094 |
| Net interest margin | 4.5524% | 857 |
| Noninterest income to average assets | -0.3545% | 7,007 |
| Noninterest expense to average assets | 3.2885% | 2,376 |
| Loan and lease loss provision to assets | 0.4711% | 1,317 |
| Net operating income to assets | 0.0095% | 6,149 |
| Return on assets (ROA) | 0.0095% | 6,289 |
| Pretax return on assets | 0.1237% | 6,115 |
| Return on Equity (ROE) | 0.0369% | 6,299 |
| Retained earnings to average equity (ytd only) | 0.0369% | 5,812 |
| Net charge-offs to loans | 0.4941% | 2,262 |
| Credit loss provision to net charge-offs | 117.1598% | 2,464 |
| Earnings coverage of net charge-offs (x) | 1.4793% | 4,705 |
| Efficiency ratio | 84.6814% | 1,549 |
| Assets per employee ($millions) | 5.3110% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 6,252 |
| Loan loss allowance to noncurrent loans | 28.0488% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 3.8811% | 1,124 |
| Noncurrent loans to loans | 3.2327% | 1,598 |
| Net loans and leases to total assets | 76.9088% | 799 |
| Net loans and leases to deposits | 103.4835% | 279 |
| Net loans and leases to core deposits | 106.5022% | 671 |
| Total domestic deposits to total assets | 74.3198% | 6,500 |
| Equity capital to assets | 25.4448% | 94 |
| Core capital (leverage) ratio | 25.4448% | 90 |
| Tier 1 risk-based capital ratio | 46.4889% | 159 |
| Total risk-based capital ratio | 47.7403% | 158 |
| Memoranda: | ||
| Average total assets | $42,025,200 | 6,429 |
| Average earning assets | $39,122,200 | 6,390 |
| Average equity | $10,843,000 | 4,794 |
| Average total loans | $34,204,000 | 5,751 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6916% | 469 |
| Cost of funding earning assets | 1.0870% | 1,116 |
| Net interest margin | 4.6046% | 811 |
| Noninterest income to average assets | -0.3499% | 7,102 |
| Noninterest expense to average assets | 3.4359% | 1,910 |
| Loan and lease loss provision to assets | 0.1909% | 3,202 |
| Net operating income to assets | 0.1559% | 6,024 |
| Return on assets (ROA) | 0.1559% | 6,177 |
| Pretax return on assets | 0.3086% | 5,938 |
| Return on Equity (ROE) | 0.6021% | 6,329 |
| Retained earnings to average equity (ytd only) | 0.6021% | 5,914 |
| Net charge-offs to loans | 0.1159% | 4,221 |
| Credit loss provision to net charge-offs | 200.0000% | 1,377 |
| Earnings coverage of net charge-offs (x) | 5.2333% | 3,073 |
| Efficiency ratio | 87.3080% | 1,271 |
| Assets per employee ($millions) | 5.2370% | 1,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 6,415 |
| Loan loss allowance to noncurrent loans | 26.5252% | 6,287 |
| Noncurrent assets plus other real estate owned to assets | 3.9240% | 1,237 |
| Noncurrent loans to loans | 3.3463% | 1,640 |
| Net loans and leases to total assets | 79.9575% | 508 |
| Net loans and leases to deposits | 108.3829% | 187 |
| Net loans and leases to core deposits | 111.7229% | 509 |
| Total domestic deposits to total assets | 73.7732% | 6,617 |
| Equity capital to assets | 25.9118% | 98 |
| Core capital (leverage) ratio | 25.9118% | 90 |
| Tier 1 risk-based capital ratio | 46.7891% | 157 |
| Total risk-based capital ratio | 48.0390% | 157 |
| Memoranda: | ||
| Average total assets | $41,909,500 | 6,506 |
| Average earning assets | $39,003,750 | 6,465 |
| Average equity | $10,851,000 | 4,838 |
| Average total loans | $34,511,000 | 5,813 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7730% | 419 |
| Cost of funding earning assets | 1.1074% | 1,188 |
| Net interest margin | 4.6656% | 721 |
| Noninterest income to average assets | -0.0954% | 7,088 |
| Noninterest expense to average assets | 3.5358% | 1,710 |
| Loan and lease loss provision to assets | 0.2195% | 2,882 |
| Net operating income to assets | 0.3340% | 5,484 |
| Return on assets (ROA) | 0.3340% | 5,706 |
| Pretax return on assets | 0.4915% | 5,462 |
| Return on Equity (ROE) | 1.2904% | 6,239 |
| Retained earnings to average equity (ytd only) | 1.2904% | 5,550 |
| Net charge-offs to loans | 0.0921% | 4,235 |
| Credit loss provision to net charge-offs | 287.5000% | 1,019 |
| Earnings coverage of net charge-offs (x) | 9.3125% | 2,183 |
| Efficiency ratio | 83.2584% | 1,714 |
| Assets per employee ($millions) | 5.2103% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 6,517 |
| Loan loss allowance to noncurrent loans | 37.4065% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 2.6750% | 2,065 |
| Noncurrent loans to loans | 2.3432% | 2,556 |
| Net loans and leases to total assets | 81.3948% | 378 |
| Net loans and leases to deposits | 110.4862% | 137 |
| Net loans and leases to core deposits | 113.9676% | 452 |
| Total domestic deposits to total assets | 73.6697% | 6,700 |
| Equity capital to assets | 26.0952% | 92 |
| Core capital (leverage) ratio | 26.0952% | 87 |
| Tier 1 risk-based capital ratio | 46.9707% | 150 |
| Total risk-based capital ratio | 48.2230% | 148 |
| Memoranda: | ||
| Average total assets | $41,914,000 | 6,552 |
| Average earning assets | $39,009,000 | 6,510 |
| Average equity | $10,849,330 | 4,846 |
| Average total loans | $34,748,330 | 5,841 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7871% | 435 |
| Cost of funding earning assets | 1.1369% | 1,225 |
| Net interest margin | 4.6502% | 746 |
| Noninterest income to average assets | 0.0761% | 6,840 |
| Noninterest expense to average assets | 3.4452% | 1,895 |
| Loan and lease loss provision to assets | 0.4092% | 1,541 |
| Net operating income to assets | 0.4473% | 5,047 |
| Return on assets (ROA) | 0.4473% | 5,238 |
| Pretax return on assets | 0.5425% | 5,311 |
| Return on Equity (ROE) | 1.7350% | 6,151 |
| Retained earnings to average equity (ytd only) | 1.7350% | 5,369 |
| Net charge-offs to loans | 0.1485% | 3,206 |
| Credit loss provision to net charge-offs | 330.7692% | 910 |
| Earnings coverage of net charge-offs (x) | 7.6923% | 2,049 |
| Efficiency ratio | 78.3550% | 2,445 |
| Assets per employee ($millions) | 5.2643% | 1,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8641% | 6,619 |
| Loan loss allowance to noncurrent loans | 54.7445% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.1276% | 2,748 |
| Noncurrent loans to loans | 1.5784% | 3,743 |
| Net loans and leases to total assets | 81.7282% | 290 |
| Net loans and leases to deposits | 110.5263% | 134 |
| Net loans and leases to core deposits | 114.0117% | 431 |
| Total domestic deposits to total assets | 73.9445% | 6,750 |
| Equity capital to assets | 25.7729% | 89 |
| Core capital (leverage) ratio | 25.7729% | 87 |
| Tier 1 risk-based capital ratio | 46.0735% | 155 |
| Total risk-based capital ratio | 47.3257% | 154 |
| Memoranda: | ||
| Average total assets | $42,030,000 | 6,600 |
| Average earning assets | $39,052,500 | 6,560 |
| Average equity | $10,835,500 | 4,855 |
| Average total loans | $35,009,000 | 5,869 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1716% | 327 |
| Cost of funding earning assets | 1.3162% | 1,407 |
| Net interest margin | 4.8555% | 564 |
| Noninterest income to average assets | -0.0751% | 7,086 |
| Noninterest expense to average assets | 3.2397% | 2,729 |
| Loan and lease loss provision to assets | 0.5840% | 1,772 |
| Net operating income to assets | 0.3417% | 5,103 |
| Return on assets (ROA) | 0.3417% | 5,261 |
| Pretax return on assets | 0.6155% | 4,643 |
| Return on Equity (ROE) | 1.3116% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.3116% | 5,239 |
| Net charge-offs to loans | 0.2549% | 4,183 |
| Credit loss provision to net charge-offs | 264.8352% | 910 |
| Earnings coverage of net charge-offs (x) | 5.4396% | 2,792 |
| Efficiency ratio | 72.9803% | 3,393 |
| Assets per employee ($millions) | 5.2433% | 1,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 6,813 |
| Loan loss allowance to noncurrent loans | 71.6180% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.7284% | 3,360 |
| Noncurrent loans to loans | 1.0680% | 4,571 |
| Net loans and leases to total assets | 83.5098% | 233 |
| Net loans and leases to deposits | 112.7422% | 135 |
| Net loans and leases to core deposits | 116.3600% | 437 |
| Total domestic deposits to total assets | 74.0714% | 6,708 |
| Equity capital to assets | 25.7879% | 94 |
| Core capital (leverage) ratio | 25.7879% | 97 |
| Tier 1 risk-based capital ratio | 42.2803% | 196 |
| Total risk-based capital ratio | 43.3357% | 191 |
| Memoranda: | ||
| Average total assets | $41,268,800 | 6,626 |
| Average earning assets | $38,369,200 | 6,589 |
| Average equity | $10,750,000 | 4,843 |
| Average total loans | $35,706,800 | 5,883 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2315% | 307 |
| Cost of funding earning assets | 1.3600% | 1,415 |
| Net interest margin | 4.8715% | 541 |
| Noninterest income to average assets | -0.0519% | 7,166 |
| Noninterest expense to average assets | 3.1500% | 2,996 |
| Loan and lease loss provision to assets | 0.6326% | 1,545 |
| Net operating income to assets | 0.4185% | 4,914 |
| Return on assets (ROA) | 0.4185% | 5,106 |
| Pretax return on assets | 0.6975% | 4,486 |
| Return on Equity (ROE) | 1.6025% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.6025% | 5,340 |
| Net charge-offs to loans | 0.3351% | 3,417 |
| Credit loss provision to net charge-offs | 216.6667% | 1,320 |
| Earnings coverage of net charge-offs (x) | 4.5554% | 3,025 |
| Efficiency ratio | 70.3114% | 3,906 |
| Assets per employee ($millions) | 5.2015% | 1,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6357% | 7,038 |
| Loan loss allowance to noncurrent loans | 75.5034% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.3049% | 4,202 |
| Noncurrent loans to loans | 0.8420% | 5,191 |
| Net loans and leases to total assets | 84.5117% | 188 |
| Net loans and leases to deposits | 114.5095% | 124 |
| Net loans and leases to core deposits | 119.2749% | 408 |
| Total domestic deposits to total assets | 73.8032% | 6,784 |
| Equity capital to assets | 25.9661% | 110 |
| Core capital (leverage) ratio | 25.9661% | 106 |
| Tier 1 risk-based capital ratio | 42.9537% | 202 |
| Total risk-based capital ratio | 43.8481% | 204 |
| Memoranda: | ||
| Average total assets | $41,099,500 | 6,688 |
| Average earning assets | $38,235,000 | 6,650 |
| Average equity | $10,733,250 | 4,861 |
| Average total loans | $35,808,750 | 5,934 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2730% | 287 |
| Cost of funding earning assets | 1.4092% | 1,378 |
| Net interest margin | 4.8638% | 530 |
| Noninterest income to average assets | -0.0684% | 7,268 |
| Noninterest expense to average assets | 3.1958% | 2,913 |
| Loan and lease loss provision to assets | 0.6401% | 1,499 |
| Net operating income to assets | 0.3665% | 5,102 |
| Return on assets (ROA) | 0.3665% | 5,242 |
| Pretax return on assets | 0.6157% | 4,694 |
| Return on Equity (ROE) | 1.4006% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.4006% | 5,289 |
| Net charge-offs to loans | 0.1725% | 4,137 |
| Credit loss provision to net charge-offs | 422.5806% | 712 |
| Earnings coverage of net charge-offs (x) | 8.2903% | 2,086 |
| Efficiency ratio | 71.7892% | 3,783 |
| Assets per employee ($millions) | 5.0776% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6137% | 7,125 |
| Loan loss allowance to noncurrent loans | 62.6781% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.6174% | 3,767 |
| Noncurrent loans to loans | 0.9792% | 5,023 |
| Net loans and leases to total assets | 87.7034% | 84 |
| Net loans and leases to deposits | 119.5263% | 91 |
| Net loans and leases to core deposits | 124.6536% | 333 |
| Total domestic deposits to total assets | 73.3758% | 6,894 |
| Equity capital to assets | 26.4666% | 112 |
| Core capital (leverage) ratio | 26.4666% | 102 |
| Tier 1 risk-based capital ratio | 43.4296% | 201 |
| Total risk-based capital ratio | 44.3183% | 199 |
| Memoranda: | ||
| Average total assets | $40,928,670 | 6,754 |
| Average earning assets | $38,036,000 | 6,719 |
| Average equity | $10,709,330 | 4,868 |
| Average total loans | $35,947,670 | 5,971 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1874% | 340 |
| Cost of funding earning assets | 1.4552% | 1,356 |
| Net interest margin | 4.7322% | 660 |
| Noninterest income to average assets | 0.0292% | 7,219 |
| Noninterest expense to average assets | 3.0573% | 3,431 |
| Loan and lease loss provision to assets | 0.6816% | 1,243 |
| Net operating income to assets | 0.7302% | 3,378 |
| Return on assets (ROA) | 0.7302% | 3,442 |
| Pretax return on assets | 0.6913% | 4,339 |
| Return on Equity (ROE) | 2.8068% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.8068% | 4,487 |
| Net charge-offs to loans | 0.1667% | 3,479 |
| Credit loss provision to net charge-offs | 466.6667% | 756 |
| Earnings coverage of net charge-offs (x) | 9.4000% | 1,726 |
| Efficiency ratio | 69.0110% | 4,476 |
| Assets per employee ($millions) | 5.1354% | 1,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4872% | 7,293 |
| Loan loss allowance to noncurrent loans | 42.4757% | 5,466 |
| Noncurrent assets plus other real estate owned to assets | 2.0325% | 3,278 |
| Noncurrent loans to loans | 1.1469% | 4,779 |
| Net loans and leases to total assets | 87.0141% | 100 |
| Net loans and leases to deposits | 118.1440% | 101 |
| Net loans and leases to core deposits | 123.1246% | 363 |
| Total domestic deposits to total assets | 73.6509% | 6,935 |
| Equity capital to assets | 26.1081% | 105 |
| Core capital (leverage) ratio | 26.1081% | 100 |
| Tier 1 risk-based capital ratio | 43.0089% | 201 |
| Total risk-based capital ratio | 43.7107% | 200 |
| Memoranda: | ||
| Average total assets | $41,082,500 | 6,796 |
| Average earning assets | $38,206,500 | 6,753 |
| Average equity | $10,688,500 | 4,872 |
| Average total loans | $35,998,500 | 6,025 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3874% | 392 |
| Cost of funding earning assets | 1.7509% | 1,374 |
| Net interest margin | 4.6364% | 935 |
| Noninterest income to average assets | -0.1850% | 7,461 |
| Noninterest expense to average assets | 2.9976% | 3,857 |
| Loan and lease loss provision to assets | 0.3503% | 4,025 |
| Net operating income to assets | 0.4966% | 4,112 |
| Return on assets (ROA) | 0.4934% | 4,287 |
| Pretax return on assets | 0.7673% | 3,736 |
| Return on Equity (ROE) | 1.8972% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.8972% | 4,539 |
| Net charge-offs to loans | 0.6260% | 3,146 |
| Credit loss provision to net charge-offs | 63.9640% | 6,009 |
| Earnings coverage of net charge-offs (x) | 2.0495% | 4,195 |
| Efficiency ratio | 72.7545% | 3,647 |
| Assets per employee ($millions) | 5.1353% | 1,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3326% | 7,468 |
| Loan loss allowance to noncurrent loans | 13.7931% | 7,018 |
| Noncurrent assets plus other real estate owned to assets | 3.0257% | 2,326 |
| Noncurrent loans to loans | 2.4117% | 3,103 |
| Net loans and leases to total assets | 87.5176% | 113 |
| Net loans and leases to deposits | 118.6014% | 123 |
| Net loans and leases to core deposits | 123.6255% | 435 |
| Total domestic deposits to total assets | 73.7914% | 6,919 |
| Equity capital to assets | 25.9262% | 114 |
| Core capital (leverage) ratio | 25.9262% | 114 |
| Tier 1 risk-based capital ratio | 42.0888% | 211 |
| Total risk-based capital ratio | 42.5630% | 220 |
| Memoranda: | ||
| Average total assets | $40,532,400 | 6,846 |
| Average earning assets | $37,636,800 | 6,811 |
| Average equity | $10,541,600 | 4,978 |
| Average total loans | $35,464,800 | 6,142 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4004% | 413 |
| Cost of funding earning assets | 1.7921% | 1,449 |
| Net interest margin | 4.6083% | 1,027 |
| Noninterest income to average assets | -0.2508% | 7,617 |
| Noninterest expense to average assets | 2.9409% | 3,942 |
| Loan and lease loss provision to assets | 0.3499% | 3,816 |
| Net operating income to assets | 0.4996% | 4,317 |
| Return on assets (ROA) | 0.4951% | 4,534 |
| Pretax return on assets | 0.7294% | 4,144 |
| Return on Equity (ROE) | 1.9022% | 5,644 |
| Retained earnings to average equity (ytd only) | 1.9022% | 5,008 |
| Net charge-offs to loans | 0.1737% | 4,924 |
| Credit loss provision to net charge-offs | 230.4348% | 1,490 |
| Earnings coverage of net charge-offs (x) | 7.1525% | 2,379 |
| Efficiency ratio | 73.0328% | 3,516 |
| Assets per employee ($millions) | 5.1233% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 7,162 |
| Loan loss allowance to noncurrent loans | 28.6976% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 3.1206% | 2,315 |
| Noncurrent loans to loans | 2.5096% | 3,106 |
| Net loans and leases to total assets | 87.4469% | 124 |
| Net loans and leases to deposits | 118.5101% | 129 |
| Net loans and leases to core deposits | 123.5215% | 515 |
| Total domestic deposits to total assets | 73.7886% | 6,948 |
| Equity capital to assets | 25.8649% | 126 |
| Core capital (leverage) ratio | 25.8649% | 116 |
| Tier 1 risk-based capital ratio | 40.9526% | 232 |
| Total risk-based capital ratio | 41.9570% | 230 |
| Memoranda: | ||
| Average total assets | $40,395,000 | 6,926 |
| Average earning assets | $37,496,750 | 6,893 |
| Average equity | $10,514,250 | 5,052 |
| Average total loans | $35,312,500 | 6,226 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4060% | 406 |
| Cost of funding earning assets | 1.8333% | 1,517 |
| Net interest margin | 4.5726% | 1,056 |
| Noninterest income to average assets | -0.3881% | 7,733 |
| Noninterest expense to average assets | 2.8608% | 4,224 |
| Loan and lease loss provision to assets | 0.3781% | 3,446 |
| Net operating income to assets | 0.3895% | 4,798 |
| Return on assets (ROA) | 0.3831% | 4,998 |
| Pretax return on assets | 0.6070% | 4,548 |
| Return on Equity (ROE) | 1.4687% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.4687% | 5,135 |
| Net charge-offs to loans | 0.2625% | 4,027 |
| Credit loss provision to net charge-offs | 165.2174% | 2,381 |
| Earnings coverage of net charge-offs (x) | 4.3478% | 2,979 |
| Efficiency ratio | 74.1935% | 3,440 |
| Assets per employee ($millions) | 5.0400% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6549% | 7,327 |
| Loan loss allowance to noncurrent loans | 21.2766% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 3.6037% | 1,948 |
| Noncurrent loans to loans | 3.0779% | 2,612 |
| Net loans and leases to total assets | 86.5352% | 193 |
| Net loans and leases to deposits | 117.6128% | 156 |
| Net loans and leases to core deposits | 121.4234% | 652 |
| Total domestic deposits to total assets | 73.5764% | 7,033 |
| Equity capital to assets | 26.1111% | 122 |
| Core capital (leverage) ratio | 26.1111% | 118 |
| Tier 1 risk-based capital ratio | 41.0865% | 231 |
| Total risk-based capital ratio | 41.9841% | 231 |
| Memoranda: | ||
| Average total assets | $40,198,000 | 6,990 |
| Average earning assets | $37,309,000 | 6,957 |
| Average equity | $10,485,330 | 5,066 |
| Average total loans | $35,049,670 | 6,284 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5606% | 324 |
| Cost of funding earning assets | 1.8821% | 1,523 |
| Net interest margin | 4.6784% | 820 |
| Noninterest income to average assets | 0.0299% | 7,560 |
| Noninterest expense to average assets | 3.0496% | 3,481 |
| Loan and lease loss provision to assets | 0.5581% | 2,268 |
| Net operating income to assets | 0.4385% | 4,674 |
| Return on assets (ROA) | 0.4385% | 4,803 |
| Pretax return on assets | 0.7574% | 4,035 |
| Return on Equity (ROE) | 1.6820% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.6820% | 5,097 |
| Net charge-offs to loans | 0.5255% | 2,493 |
| Credit loss provision to net charge-offs | 121.7391% | 2,875 |
| Earnings coverage of net charge-offs (x) | 2.8696% | 3,113 |
| Efficiency ratio | 69.8630% | 4,332 |
| Assets per employee ($millions) | 5.0065% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6022% | 7,495 |
| Loan loss allowance to noncurrent loans | 29.5775% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 2.6765% | 2,725 |
| Noncurrent loans to loans | 2.0361% | 3,733 |
| Net loans and leases to total assets | 86.5400% | 186 |
| Net loans and leases to deposits | 119.9592% | 137 |
| Net loans and leases to core deposits | 123.9398% | 646 |
| Total domestic deposits to total assets | 72.1412% | 7,252 |
| Equity capital to assets | 26.1835% | 129 |
| Core capital (leverage) ratio | 26.1956% | 119 |
| Tier 1 risk-based capital ratio | 41.6832% | 229 |
| Total risk-based capital ratio | 42.5173% | 228 |
| Memoranda: | ||
| Average total assets | $40,137,000 | 7,083 |
| Average earning assets | $37,192,000 | 7,046 |
| Average equity | $10,464,000 | 5,109 |
| Average total loans | $35,014,000 | 6,367 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3808% | 866 |
| Cost of funding earning assets | 2.2588% | 1,809 |
| Net interest margin | 4.1221% | 2,356 |
| Noninterest income to average assets | 0.0656% | 7,420 |
| Noninterest expense to average assets | 2.8717% | 4,651 |
| Loan and lease loss provision to assets | 0.0404% | 7,145 |
| Net operating income to assets | 0.6410% | 3,171 |
| Return on assets (ROA) | 0.6410% | 3,231 |
| Pretax return on assets | 0.9943% | 2,609 |
| Return on Equity (ROE) | 2.4608% | 4,728 |
| Retained earnings to average equity (ytd only) | 2.4608% | 3,415 |
| Net charge-offs to loans | 0.0463% | 6,644 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 25.6250% | 871 |
| Efficiency ratio | 73.5142% | 3,997 |
| Assets per employee ($millions) | 5.0278% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5689% | 7,600 |
| Loan loss allowance to noncurrent loans | 17.5593% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 3.8362% | 1,734 |
| Noncurrent loans to loans | 3.2398% | 2,355 |
| Net loans and leases to total assets | 86.9101% | 226 |
| Net loans and leases to deposits | 125.8215% | 117 |
| Net loans and leases to core deposits | 192.4097% | 121 |
| Total domestic deposits to total assets | 69.0741% | 7,484 |
| Equity capital to assets | 25.9584% | 141 |
| Core capital (leverage) ratio | 25.9736% | 141 |
| Tier 1 risk-based capital ratio | 39.7392% | 258 |
| Total risk-based capital ratio | 40.4996% | 261 |
| Memoranda: | ||
| Average total assets | $39,627,800 | 7,111 |
| Average earning assets | $36,923,000 | 7,061 |
| Average equity | $10,322,000 | 5,209 |
| Average total loans | $34,564,000 | 6,371 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4499% | 839 |
| Cost of funding earning assets | 2.3116% | 1,938 |
| Net interest margin | 4.1384% | 2,255 |
| Noninterest income to average assets | 0.0642% | 7,588 |
| Noninterest expense to average assets | 2.7963% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7362% | 3,071 |
| Return on assets (ROA) | 0.7362% | 3,140 |
| Pretax return on assets | 1.1314% | 2,471 |
| Return on Equity (ROE) | 2.8241% | 4,868 |
| Retained earnings to average equity (ytd only) | 2.8241% | 3,754 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1952% | 4,388 |
| Assets per employee ($millions) | 4.9360% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5766% | 7,615 |
| Loan loss allowance to noncurrent loans | 19.4742% | 7,116 |
| Noncurrent assets plus other real estate owned to assets | 3.0313% | 2,285 |
| Noncurrent loans to loans | 2.9608% | 2,558 |
| Net loans and leases to total assets | 87.3329% | 247 |
| Net loans and leases to deposits | 127.0952% | 127 |
| Net loans and leases to core deposits | 197.5483% | 109 |
| Total domestic deposits to total assets | 68.7145% | 7,511 |
| Equity capital to assets | 26.3599% | 158 |
| Core capital (leverage) ratio | 26.3684% | 155 |
| Tier 1 risk-based capital ratio | 41.5321% | 258 |
| Total risk-based capital ratio | 42.3296% | 260 |
| Memoranda: | ||
| Average total assets | $39,479,250 | 7,177 |
| Average earning assets | $36,857,250 | 7,119 |
| Average equity | $10,292,250 | 5,258 |
| Average total loans | $34,415,750 | 6,429 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5109% | 806 |
| Cost of funding earning assets | 2.3602% | 2,123 |
| Net interest margin | 4.1507% | 2,155 |
| Noninterest income to average assets | 0.0557% | 7,713 |
| Noninterest expense to average assets | 2.8625% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6789% | 3,352 |
| Return on assets (ROA) | 0.6789% | 3,466 |
| Pretax return on assets | 1.0690% | 2,740 |
| Return on Equity (ROE) | 2.6138% | 5,052 |
| Retained earnings to average equity (ytd only) | 2.6138% | 3,871 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8093% | 4,241 |
| Assets per employee ($millions) | 4.9149% | 2,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5832% | 7,667 |
| Loan loss allowance to noncurrent loans | 14.2248% | 7,389 |
| Noncurrent assets plus other real estate owned to assets | 3.5759% | 1,744 |
| Noncurrent loans to loans | 4.0996% | 1,630 |
| Net loans and leases to total assets | 86.7163% | 324 |
| Net loans and leases to deposits | 125.4175% | 155 |
| Net loans and leases to core deposits | 194.8120% | 140 |
| Total domestic deposits to total assets | 69.1421% | 7,543 |
| Equity capital to assets | 26.2443% | 181 |
| Core capital (leverage) ratio | 26.2668% | 183 |
| Tier 1 risk-based capital ratio | 42.0113% | 268 |
| Total risk-based capital ratio | 42.8246% | 270 |
| Memoranda: | ||
| Average total assets | $39,476,330 | 7,231 |
| Average earning assets | $36,861,000 | 7,180 |
| Average equity | $10,253,330 | 5,290 |
| Average total loans | $34,325,670 | 6,483 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5756% | 748 |
| Cost of funding earning assets | 2.4118% | 2,246 |
| Net interest margin | 4.1639% | 2,037 |
| Noninterest income to average assets | 0.0506% | 7,827 |
| Noninterest expense to average assets | 2.7708% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6775% | 3,671 |
| Return on assets (ROA) | 0.6775% | 3,854 |
| Pretax return on assets | 1.1731% | 2,711 |
| Return on Equity (ROE) | 2.6222% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.6222% | 4,424 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2564% | 4,518 |
| Assets per employee ($millions) | 4.9220% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5794% | 7,701 |
| Loan loss allowance to noncurrent loans | 18.6741% | 7,234 |
| Noncurrent assets plus other real estate owned to assets | 2.7199% | 2,089 |
| Noncurrent loans to loans | 3.1028% | 2,085 |
| Net loans and leases to total assets | 87.1521% | 328 |
| Net loans and leases to deposits | 130.5822% | 142 |
| Net loans and leases to core deposits | 200.4498% | 141 |
| Total domestic deposits to total assets | 66.7412% | 7,685 |
| Equity capital to assets | 26.0463% | 200 |
| Core capital (leverage) ratio | 26.0613% | 208 |
| Tier 1 risk-based capital ratio | 40.9022% | 310 |
| Total risk-based capital ratio | 41.6992% | 306 |
| Memoranda: | ||
| Average total assets | $39,555,000 | 7,272 |
| Average earning assets | $36,985,000 | 7,218 |
| Average equity | $10,220,500 | 5,318 |
| Average total loans | $34,340,500 | 6,528 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7172% | 1,966 |
| Cost of funding earning assets | 2.9416% | 2,091 |
| Net interest margin | 3.7756% | 4,119 |
| Noninterest income to average assets | 0.0577% | 7,854 |
| Noninterest expense to average assets | 2.7738% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6082% | 4,266 |
| Return on assets (ROA) | 0.6082% | 4,134 |
| Pretax return on assets | 0.7970% | 4,086 |
| Return on Equity (ROE) | 2.3078% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.3078% | 3,767 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6799% | 2,967 |
| Assets per employee ($millions) | 4.9668% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5854% | 7,704 |
| Loan loss allowance to noncurrent loans | 28.2885% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 1.7793% | 2,754 |
| Noncurrent loans to loans | 2.0694% | 2,668 |
| Net loans and leases to total assets | 85.4784% | 665 |
| Net loans and leases to deposits | 137.8018% | 122 |
| Net loans and leases to core deposits | 205.1462% | 154 |
| Total domestic deposits to total assets | 62.0300% | 7,887 |
| Equity capital to assets | 25.6330% | 254 |
| Core capital (leverage) ratio | 25.6554% | 252 |
| Tier 1 risk-based capital ratio | 40.9436% | 318 |
| Total risk-based capital ratio | 41.7466% | 321 |
| Memoranda: | ||
| Average total assets | $38,142,400 | 7,298 |
| Average earning assets | $35,491,000 | 7,263 |
| Average equity | $10,053,000 | 5,394 |
| Average total loans | $32,404,800 | 6,586 |