Home > Boundary Waters Bank > Performance and Condition Ratios
Boundary Waters Bank, Performance and Condition Ratios
| 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 | 7.5462% | 125 |
| Cost of funding earning assets | 0.9147% | 2,883 |
| Net interest margin | 6.6315% | 68 |
| Noninterest income to average assets | 0.1600% | 3,996 |
| Noninterest expense to average assets | 3.2039% | 784 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 1.4245% | 1,271 |
| Return on assets (ROA) | 1.4245% | 1,254 |
| Pretax return on assets | 3.0660% | 193 |
| Return on Equity (ROE) | 12.6100% | 1,984 |
| Retained earnings to average equity (ytd only) | 12.6095% | 870 |
| Net charge-offs to loans | 0.0542% | 980 |
| Credit loss provision to net charge-offs | 392.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 70.6400% | 1,112 |
| Efficiency ratio | 49.5583% | 3,961 |
| Assets per employee ($millions) | 6.5882% | 2,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7015% | 746 |
| Loan loss allowance to noncurrent loans | 382.6087% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 1,442 |
| Noncurrent loans to loans | 0.4447% | 1,608 |
| Net loans and leases to total assets | 81.7100% | 456 |
| Net loans and leases to deposits | 109.0703% | 219 |
| Net loans and leases to core deposits | 113.8028% | 689 |
| Total domestic deposits to total assets | 74.9100% | 4,128 |
| Equity capital to assets | 10.7063% | 1,509 |
| Core capital (leverage) ratio | 9.0668% | 3,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2229% | 2,922 |
| Memoranda: | ||
| Average total assets | $108,806,333 | 3,784 |
| Average earning assets | $103,204,000 | 3,744 |
| Average equity | $12,292,333 | 3,510 |
| Average total loans | $92,173,667 | 3,268 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3223% | 91 |
| Cost of funding earning assets | 0.7549% | 2,884 |
| Net interest margin | 6.5674% | 69 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 3.0714% | 971 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 2.2341% | 351 |
| Return on assets (ROA) | 2.2341% | 347 |
| Pretax return on assets | 3.1418% | 178 |
| Return on Equity (ROE) | 18.1700% | 1,004 |
| Retained earnings to average equity (ytd only) | 18.1722% | 499 |
| Net charge-offs to loans | 0.1134% | 556 |
| Credit loss provision to net charge-offs | 203.8462% | 819 |
| Earnings coverage of net charge-offs (x) | 34.6538% | 1,249 |
| Efficiency ratio | 47.9191% | 4,085 |
| Assets per employee ($millions) | 7.3785% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0310% | 4,577 |
| Loan loss allowance to noncurrent loans | 6.7308% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 1,372 |
| Noncurrent loans to loans | 0.4603% | 1,563 |
| Net loans and leases to total assets | 81.6300% | 404 |
| Net loans and leases to deposits | 104.0396% | 298 |
| Net loans and leases to core deposits | 110.6852% | 683 |
| Total domestic deposits to total assets | 78.4600% | 3,946 |
| Equity capital to assets | 12.2808% | 923 |
| Core capital (leverage) ratio | 10.4585% | 2,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6868% | 2,978 |
| Memoranda: | ||
| Average total assets | $107,964,500 | 3,837 |
| Average earning assets | $102,262,500 | 3,801 |
| Average equity | $13,273,000 | 3,450 |
| Average total loans | $91,713,500 | 3,307 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3913% | 4,697 |
| Cost of funding earning assets | 0.0380% | 4,594 |
| Net interest margin | 0.3533% | 4,696 |
| Noninterest income to average assets | 0.0200% | 4,633 |
| Noninterest expense to average assets | 0.1825% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.0948% | 4,512 |
| Return on assets (ROA) | 0.0948% | 4,499 |
| Pretax return on assets | 0.1710% | 4,458 |
| Return on Equity (ROE) | 0.7000% | 4,508 |
| Retained earnings to average equity (ytd only) | 0.7016% | 4,244 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.6266% | 4,090 |
| Assets per employee ($millions) | 6.5783% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 1,242 |
| Noncurrent loans to loans | 0.4686% | 1,530 |
| Net loans and leases to total assets | 88.4100% | 62 |
| Net loans and leases to deposits | 106.4767% | 233 |
| Net loans and leases to core deposits | 112.4920% | 534 |
| Total domestic deposits to total assets | 83.0300% | 3,416 |
| Equity capital to assets | 12.3076% | 848 |
| Core capital (leverage) ratio | 9.8005% | 2,839 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.7777% | 3,050 |
| Memoranda: | ||
| Average total assets | $112,872,600 | 3,800 |
| Average earning assets | $107,842,800 | 3,751 |
| Average equity | $15,250,800 | 3,347 |
| Average total loans | $94,720,000 | 3,223 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8361% | 267 |
| Cost of funding earning assets | 0.2852% | 2,330 |
| Net interest margin | 4.5509% | 217 |
| Noninterest income to average assets | 0.2900% | 3,445 |
| Noninterest expense to average assets | 2.8286% | 1,189 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3800% | 1,142 |
| Return on assets (ROA) | 1.3800% | 1,114 |
| Pretax return on assets | 1.8122% | 714 |
| Return on Equity (ROE) | 10.0100% | 2,719 |
| Retained earnings to average equity (ytd only) | 10.0092% | 1,337 |
| Net charge-offs to loans | -0.0182% | 3,958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.0601% | 3,104 |
| Assets per employee ($millions) | 6.9635% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 4,185 |
| Loan loss allowance to noncurrent loans | 158.3700% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 1,333 |
| Noncurrent loans to loans | 0.4738% | 1,615 |
| Net loans and leases to total assets | 85.3700% | 162 |
| Net loans and leases to deposits | 100.4605% | 347 |
| Net loans and leases to core deposits | 105.1031% | 609 |
| Total domestic deposits to total assets | 84.9800% | 3,291 |
| Equity capital to assets | 14.6577% | 484 |
| Core capital (leverage) ratio | 14.6665% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9753% | 1,437 |
| Memoranda: | ||
| Average total assets | $114,777,750 | 3,803 |
| Average earning assets | $109,866,000 | 3,751 |
| Average equity | $15,825,000 | 3,334 |
| Average total loans | $95,137,500 | 3,233 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 422 |
| Cost of funding earning assets | 0.2712% | 2,013 |
| Net interest margin | 4.1527% | 367 |
| Noninterest income to average assets | 0.3555% | 3,027 |
| Noninterest expense to average assets | 2.8249% | 1,126 |
| Loan and lease loss provision to assets | 0.0017% | 2,579 |
| Net operating income to assets | 1.0509% | 1,970 |
| Return on assets (ROA) | 1.0509% | 1,940 |
| Pretax return on assets | 1.4927% | 1,189 |
| Return on Equity (ROE) | 7.7796% | 3,080 |
| Retained earnings to average equity (ytd only) | 7.7796% | 1,702 |
| Net charge-offs to loans | -0.0232% | 3,942 |
| Credit loss provision to net charge-offs | -9.0909% | 2,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4826% | 2,710 |
| Assets per employee ($millions) | 7.2025% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,253 |
| Loan loss allowance to noncurrent loans | 107.3463% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5788% | 973 |
| Noncurrent loans to loans | 0.7033% | 1,227 |
| Net loans and leases to total assets | 81.6765% | 303 |
| Net loans and leases to deposits | 95.1699% | 466 |
| Net loans and leases to core deposits | 99.0821% | 706 |
| Total domestic deposits to total assets | 85.8218% | 3,296 |
| Equity capital to assets | 13.7635% | 554 |
| Core capital (leverage) ratio | 13.8477% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9190% | 1,723 |
| Memoranda: | ||
| Average total assets | $115,898,333 | 3,836 |
| Average earning assets | $110,626,000 | 3,798 |
| Average equity | $15,656,333 | 3,435 |
| Average total loans | $94,906,333 | 3,254 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5121% | 308 |
| Cost of funding earning assets | 0.2652% | 1,975 |
| Net interest margin | 4.2469% | 264 |
| Noninterest income to average assets | 0.3889% | 2,763 |
| Noninterest expense to average assets | 2.8806% | 996 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0772% | 1,599 |
| Return on assets (ROA) | 1.0772% | 1,594 |
| Pretax return on assets | 1.5315% | 959 |
| Return on Equity (ROE) | 8.0494% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.0494% | 1,570 |
| Net charge-offs to loans | -0.0169% | 3,825 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3526% | 2,985 |
| Assets per employee ($millions) | 7.6620% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7416% | 4,324 |
| Loan loss allowance to noncurrent loans | 68.3044% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.9064% | 159 |
| Noncurrent loans to loans | 1.0858% | 826 |
| Net loans and leases to total assets | 82.5650% | 137 |
| Net loans and leases to deposits | 96.9750% | 257 |
| Net loans and leases to core deposits | 100.3957% | 496 |
| Total domestic deposits to total assets | 85.1405% | 3,510 |
| Equity capital to assets | 13.6161% | 584 |
| Core capital (leverage) ratio | 13.4143% | 687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9722% | 1,804 |
| Memoranda: | ||
| Average total assets | $116,227,500 | 3,851 |
| Average earning assets | $110,104,000 | 3,821 |
| Average equity | $15,554,000 | 3,511 |
| Average total loans | $94,939,500 | 3,261 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0328% | 1,285 |
| Cost of funding earning assets | 0.3862% | 1,640 |
| Net interest margin | 3.6465% | 1,348 |
| Noninterest income to average assets | 0.4982% | 2,573 |
| Noninterest expense to average assets | 2.6979% | 1,637 |
| Loan and lease loss provision to assets | 0.0437% | 2,183 |
| Net operating income to assets | 0.8824% | 3,104 |
| Return on assets (ROA) | 0.8824% | 3,164 |
| Pretax return on assets | 1.2291% | 2,575 |
| Return on Equity (ROE) | 7.6238% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.6238% | 1,688 |
| Net charge-offs to loans | 0.0323% | 1,591 |
| Credit loss provision to net charge-offs | 186.6667% | 1,347 |
| Earnings coverage of net charge-offs (x) | 54.3333% | 1,250 |
| Efficiency ratio | 67.0403% | 2,119 |
| Assets per employee ($millions) | 6.9132% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7478% | 4,357 |
| Loan loss allowance to noncurrent loans | 67.3352% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.8719% | 182 |
| Noncurrent loans to loans | 1.1105% | 876 |
| Net loans and leases to total assets | 79.6197% | 285 |
| Net loans and leases to deposits | 93.2030% | 411 |
| Net loans and leases to core deposits | 96.6673% | 667 |
| Total domestic deposits to total assets | 85.4261% | 3,118 |
| Equity capital to assets | 13.1538% | 857 |
| Core capital (leverage) ratio | 12.0962% | 1,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4678% | 2,060 |
| Memoranda: | ||
| Average total assets | $128,063,400 | 3,702 |
| Average earning assets | $121,951,400 | 3,663 |
| Average equity | $14,822,000 | 3,655 |
| Average total loans | $92,996,400 | 3,293 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 1,565 |
| Cost of funding earning assets | 0.4147% | 1,586 |
| Net interest margin | 3.5728% | 1,667 |
| Noninterest income to average assets | 0.4631% | 2,779 |
| Noninterest expense to average assets | 2.8890% | 1,148 |
| Loan and lease loss provision to assets | 0.0421% | 2,155 |
| Net operating income to assets | 0.6845% | 3,808 |
| Return on assets (ROA) | 0.6845% | 3,868 |
| Pretax return on assets | 0.9426% | 3,600 |
| Return on Equity (ROE) | 6.1015% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.1015% | 2,780 |
| Net charge-offs to loans | 0.0518% | 1,146 |
| Credit loss provision to net charge-offs | 113.8889% | 1,491 |
| Earnings coverage of net charge-offs (x) | 26.8056% | 1,591 |
| Efficiency ratio | 73.6634% | 1,245 |
| Assets per employee ($millions) | 7.8635% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7442% | 4,432 |
| Loan loss allowance to noncurrent loans | 64.9573% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.6502% | 282 |
| Noncurrent loans to loans | 1.1457% | 980 |
| Net loans and leases to total assets | 68.2433% | 1,292 |
| Net loans and leases to deposits | 78.7336% | 1,410 |
| Net loans and leases to core deposits | 83.0167% | 1,497 |
| Total domestic deposits to total assets | 86.6763% | 2,472 |
| Equity capital to assets | 11.2411% | 1,862 |
| Core capital (leverage) ratio | 11.2286% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5230% | 2,158 |
| Memoranda: | ||
| Average total assets | $130,698,000 | 3,704 |
| Average earning assets | $124,752,750 | 3,665 |
| Average equity | $14,662,750 | 3,718 |
| Average total loans | $92,676,000 | 3,339 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 1,542 |
| Cost of funding earning assets | 0.4610% | 1,443 |
| Net interest margin | 3.5495% | 1,713 |
| Noninterest income to average assets | 0.3207% | 3,506 |
| Noninterest expense to average assets | 2.8511% | 1,253 |
| Loan and lease loss provision to assets | 0.0632% | 1,782 |
| Net operating income to assets | 0.6060% | 3,971 |
| Return on assets (ROA) | 0.6060% | 4,025 |
| Pretax return on assets | 0.8142% | 3,835 |
| Return on Equity (ROE) | 5.4053% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.4053% | 3,035 |
| Net charge-offs to loans | 0.0430% | 1,206 |
| Credit loss provision to net charge-offs | 205.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 28.4500% | 1,338 |
| Efficiency ratio | 75.5170% | 1,128 |
| Assets per employee ($millions) | 7.5583% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7191% | 4,501 |
| Loan loss allowance to noncurrent loans | 63.3484% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.7573% | 270 |
| Noncurrent loans to loans | 1.1351% | 1,064 |
| Net loans and leases to total assets | 75.2169% | 657 |
| Net loans and leases to deposits | 86.9425% | 853 |
| Net loans and leases to core deposits | 91.8803% | 1,012 |
| Total domestic deposits to total assets | 86.5135% | 2,546 |
| Equity capital to assets | 11.4677% | 1,654 |
| Core capital (leverage) ratio | 10.9962% | 1,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7726% | 2,446 |
| Memoranda: | ||
| Average total assets | $129,704,333 | 3,727 |
| Average earning assets | $124,523,667 | 3,683 |
| Average equity | $14,541,333 | 3,735 |
| Average total loans | $92,931,000 | 3,355 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 1,552 |
| Cost of funding earning assets | 0.5467% | 1,121 |
| Net interest margin | 3.4806% | 1,880 |
| Noninterest income to average assets | 0.4482% | 2,834 |
| Noninterest expense to average assets | 3.0450% | 920 |
| Loan and lease loss provision to assets | 0.0982% | 1,372 |
| Net operating income to assets | 0.5372% | 4,101 |
| Return on assets (ROA) | 0.5372% | 4,141 |
| Pretax return on assets | 0.6661% | 4,086 |
| Return on Equity (ROE) | 4.8461% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.8461% | 3,276 |
| Net charge-offs to loans | 0.1146% | 618 |
| Credit loss provision to net charge-offs | 123.0769% | 1,038 |
| Earnings coverage of net charge-offs (x) | 9.5769% | 1,534 |
| Efficiency ratio | 78.9686% | 896 |
| Assets per employee ($millions) | 6.2518% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 4,460 |
| Loan loss allowance to noncurrent loans | 61.9134% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 1.8486% | 295 |
| Noncurrent loans to loans | 1.2431% | 1,053 |
| Net loans and leases to total assets | 67.3692% | 1,614 |
| Net loans and leases to deposits | 78.1368% | 1,705 |
| Net loans and leases to core deposits | 82.4519% | 1,808 |
| Total domestic deposits to total assets | 86.2195% | 2,661 |
| Equity capital to assets | 11.0559% | 1,818 |
| Core capital (leverage) ratio | 10.6061% | 2,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0713% | 1,878 |
| Memoranda: | ||
| Average total assets | $130,311,000 | 3,737 |
| Average earning assets | $125,840,000 | 3,674 |
| Average equity | $14,444,500 | 3,749 |
| Average total loans | $90,723,000 | 3,397 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 1,009 |
| Cost of funding earning assets | 0.9853% | 623 |
| Net interest margin | 3.6566% | 1,953 |
| Noninterest income to average assets | 0.3867% | 3,169 |
| Noninterest expense to average assets | 3.4291% | 762 |
| Loan and lease loss provision to assets | 0.3462% | 1,005 |
| Net operating income to assets | 0.0686% | 4,689 |
| Return on assets (ROA) | 0.0686% | 4,722 |
| Pretax return on assets | 0.1347% | 4,682 |
| Return on Equity (ROE) | 0.5833% | 4,717 |
| Retained earnings to average equity (ytd only) | 0.5833% | 4,347 |
| Net charge-offs to loans | 0.5187% | 300 |
| Credit loss provision to net charge-offs | 88.3966% | 2,938 |
| Earnings coverage of net charge-offs (x) | 1.2278% | 3,275 |
| Efficiency ratio | 86.7287% | 503 |
| Assets per employee ($millions) | 6.1588% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7355% | 4,533 |
| Loan loss allowance to noncurrent loans | 62.9870% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 1.8533% | 328 |
| Noncurrent loans to loans | 1.1678% | 1,218 |
| Net loans and leases to total assets | 70.8501% | 1,451 |
| Net loans and leases to deposits | 81.9932% | 1,663 |
| Net loans and leases to core deposits | 86.0559% | 1,864 |
| Total domestic deposits to total assets | 86.4097% | 2,185 |
| Equity capital to assets | 11.1138% | 2,165 |
| Core capital (leverage) ratio | 10.5197% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5442% | 2,036 |
| Memoranda: | ||
| Average total assets | $121,021,800 | 3,733 |
| Average earning assets | $116,611,400 | 3,672 |
| Average equity | $14,230,000 | 3,727 |
| Average total loans | $91,380,600 | 3,382 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 854 |
| Cost of funding earning assets | 1.0483% | 640 |
| Net interest margin | 3.7732% | 1,699 |
| Noninterest income to average assets | 0.4596% | 2,795 |
| Noninterest expense to average assets | 3.5445% | 667 |
| Loan and lease loss provision to assets | 0.4700% | 659 |
| Net operating income to assets | 0.0291% | 4,751 |
| Return on assets (ROA) | 0.0291% | 4,775 |
| Pretax return on assets | 0.0807% | 4,740 |
| Return on Equity (ROE) | 0.2442% | 4,773 |
| Retained earnings to average equity (ytd only) | 0.2442% | 4,436 |
| Net charge-offs to loans | 0.6948% | 200 |
| Credit loss provision to net charge-offs | 88.2105% | 2,708 |
| Earnings coverage of net charge-offs (x) | 1.0337% | 3,098 |
| Efficiency ratio | 85.6009% | 524 |
| Assets per employee ($millions) | 6.2697% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7526% | 4,477 |
| Loan loss allowance to noncurrent loans | 60.6983% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.8547% | 396 |
| Noncurrent loans to loans | 1.2399% | 1,227 |
| Net loans and leases to total assets | 67.9054% | 2,258 |
| Net loans and leases to deposits | 78.9612% | 2,426 |
| Net loans and leases to core deposits | 80.9406% | 2,760 |
| Total domestic deposits to total assets | 85.9985% | 2,067 |
| Equity capital to assets | 10.8655% | 2,506 |
| Core capital (leverage) ratio | 10.9810% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1420% | 1,781 |
| Memoranda: | ||
| Average total assets | $118,943,500 | 3,752 |
| Average earning assets | $114,596,000 | 3,686 |
| Average equity | $14,194,000 | 3,734 |
| Average total loans | $91,147,500 | 3,396 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1044% | 679 |
| Cost of funding earning assets | 1.1082% | 706 |
| Net interest margin | 3.9963% | 1,333 |
| Noninterest income to average assets | 0.4603% | 2,762 |
| Noninterest expense to average assets | 3.8081% | 495 |
| Loan and lease loss provision to assets | 0.7306% | 367 |
| Net operating income to assets | -0.1935% | 4,860 |
| Return on assets (ROA) | -0.1935% | 4,861 |
| Pretax return on assets | -0.2302% | 4,857 |
| Return on Equity (ROE) | -1.5682% | 4,862 |
| Retained earnings to average equity (ytd only) | -1.5682% | 4,545 |
| Net charge-offs to loans | 1.0492% | 136 |
| Credit loss provision to net charge-offs | 87.2917% | 2,473 |
| Earnings coverage of net charge-offs (x) | 0.5979% | 2,913 |
| Efficiency ratio | 87.4545% | 479 |
| Assets per employee ($millions) | 5.8651% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7117% | 4,538 |
| Loan loss allowance to noncurrent loans | 59.4523% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.9949% | 357 |
| Noncurrent loans to loans | 1.1971% | 1,312 |
| Net loans and leases to total assets | 76.2315% | 1,099 |
| Net loans and leases to deposits | 89.6618% | 1,382 |
| Net loans and leases to core deposits | 91.1520% | 1,973 |
| Total domestic deposits to total assets | 85.0212% | 2,391 |
| Equity capital to assets | 11.4942% | 1,977 |
| Core capital (leverage) ratio | 11.7593% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4521% | 2,017 |
| Memoranda: | ||
| Average total assets | $114,703,333 | 3,790 |
| Average earning assets | $110,453,333 | 3,731 |
| Average equity | $14,156,667 | 3,746 |
| Average total loans | $91,501,667 | 3,385 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5242% | 362 |
| Cost of funding earning assets | 1.1795% | 826 |
| Net interest margin | 4.3448% | 697 |
| Noninterest income to average assets | 0.6264% | 1,925 |
| Noninterest expense to average assets | 4.3631% | 349 |
| Loan and lease loss provision to assets | 0.9197% | 246 |
| Net operating income to assets | -0.3729% | 4,904 |
| Return on assets (ROA) | -0.3729% | 4,877 |
| Pretax return on assets | -0.4816% | 4,883 |
| Return on Equity (ROE) | -2.9103% | 4,868 |
| Retained earnings to average equity (ytd only) | -2.9103% | 4,345 |
| Net charge-offs to loans | 1.4583% | 98 |
| Credit loss provision to net charge-offs | 77.4390% | 1,946 |
| Earnings coverage of net charge-offs (x) | 0.3689% | 2,472 |
| Efficiency ratio | 89.9698% | 499 |
| Assets per employee ($millions) | 5.1522% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 4,582 |
| Loan loss allowance to noncurrent loans | 53.8776% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 2.4941% | 274 |
| Noncurrent loans to loans | 1.3286% | 1,220 |
| Net loans and leases to total assets | 80.7619% | 599 |
| Net loans and leases to deposits | 95.6332% | 949 |
| Net loans and leases to core deposits | 97.6688% | 1,668 |
| Total domestic deposits to total assets | 84.4497% | 2,615 |
| Equity capital to assets | 12.4316% | 1,777 |
| Core capital (leverage) ratio | 12.4363% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2091% | 2,616 |
| Memoranda: | ||
| Average total assets | $110,471,500 | 3,841 |
| Average earning assets | $106,150,500 | 3,784 |
| Average equity | $14,156,500 | 3,755 |
| Average total loans | $89,970,000 | 3,397 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4272% | 635 |
| Cost of funding earning assets | 1.0979% | 1,332 |
| Net interest margin | 4.3294% | 1,034 |
| Noninterest income to average assets | 0.3741% | 3,458 |
| Noninterest expense to average assets | 3.2339% | 1,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9088% | 3,171 |
| Return on assets (ROA) | 0.9088% | 3,265 |
| Pretax return on assets | 1.3183% | 2,447 |
| Return on Equity (ROE) | 7.3378% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.3378% | 1,239 |
| Net charge-offs to loans | -0.0268% | 4,689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1237% | 2,153 |
| Assets per employee ($millions) | 4.8907% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 4,197 |
| Loan loss allowance to noncurrent loans | 43.0246% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 3.0020% | 178 |
| Noncurrent loans to loans | 1.9444% | 668 |
| Net loans and leases to total assets | 80.8625% | 684 |
| Net loans and leases to deposits | 96.9015% | 852 |
| Net loans and leases to core deposits | 98.8177% | 1,667 |
| Total domestic deposits to total assets | 83.4481% | 3,049 |
| Equity capital to assets | 13.2181% | 1,409 |
| Core capital (leverage) ratio | 12.9201% | 1,270 |
| Tier 1 risk-based capital ratio | 14.5349% | 3,001 |
| Total risk-based capital ratio | 15.3205% | 3,139 |
| Memoranda: | ||
| Average total assets | $110,144,800 | 3,828 |
| Average earning assets | $106,297,400 | 3,772 |
| Average equity | $13,641,600 | 3,798 |
| Average total loans | $93,334,800 | 3,332 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4429% | 649 |
| Cost of funding earning assets | 1.0814% | 1,421 |
| Net interest margin | 4.3616% | 1,031 |
| Noninterest income to average assets | 0.3370% | 3,718 |
| Noninterest expense to average assets | 3.3410% | 1,195 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8316% | 3,571 |
| Return on assets (ROA) | 0.8316% | 3,651 |
| Pretax return on assets | 1.2096% | 2,955 |
| Return on Equity (ROE) | 6.8263% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.8263% | 1,937 |
| Net charge-offs to loans | -0.0253% | 4,646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4940% | 1,765 |
| Assets per employee ($millions) | 5.0526% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 4,522 |
| Loan loss allowance to noncurrent loans | 25.5177% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 2.7978% | 206 |
| Noncurrent loans to loans | 2.9755% | 332 |
| Net loans and leases to total assets | 85.4836% | 224 |
| Net loans and leases to deposits | 112.4562% | 168 |
| Net loans and leases to core deposits | 114.8165% | 717 |
| Total domestic deposits to total assets | 76.0150% | 4,651 |
| Equity capital to assets | 12.5003% | 1,912 |
| Core capital (leverage) ratio | 12.6095% | 1,524 |
| Tier 1 risk-based capital ratio | 12.7692% | 3,976 |
| Total risk-based capital ratio | 13.4702% | 4,183 |
| Memoranda: | ||
| Average total assets | $110,782,250 | 3,863 |
| Average earning assets | $107,022,750 | 3,804 |
| Average equity | $13,496,500 | 3,858 |
| Average total loans | $94,734,000 | 3,338 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3676% | 717 |
| Cost of funding earning assets | 1.0675% | 1,425 |
| Net interest margin | 4.3001% | 1,146 |
| Noninterest income to average assets | 0.3271% | 3,753 |
| Noninterest expense to average assets | 3.3870% | 1,129 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7464% | 3,846 |
| Return on assets (ROA) | 0.7464% | 3,908 |
| Pretax return on assets | 1.0899% | 3,265 |
| Return on Equity (ROE) | 6.1809% | 3,988 |
| Retained earnings to average equity (ytd only) | 6.1809% | 2,201 |
| Net charge-offs to loans | -0.0275% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7275% | 1,552 |
| Assets per employee ($millions) | 5.1188% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 4,603 |
| Loan loss allowance to noncurrent loans | 31.2014% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.2866% | 352 |
| Noncurrent loans to loans | 2.4025% | 513 |
| Net loans and leases to total assets | 84.8872% | 298 |
| Net loans and leases to deposits | 123.3487% | 65 |
| Net loans and leases to core deposits | 125.6196% | 399 |
| Total domestic deposits to total assets | 68.8189% | 5,082 |
| Equity capital to assets | 12.0732% | 2,129 |
| Core capital (leverage) ratio | 12.5013% | 1,537 |
| Tier 1 risk-based capital ratio | 12.7259% | 3,997 |
| Total risk-based capital ratio | 13.4383% | 4,185 |
| Memoranda: | ||
| Average total assets | $110,657,330 | 3,891 |
| Average earning assets | $106,789,000 | 3,825 |
| Average equity | $13,363,670 | 3,877 |
| Average total loans | $94,396,000 | 3,366 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3048% | 751 |
| Cost of funding earning assets | 1.0247% | 1,465 |
| Net interest margin | 4.2802% | 1,134 |
| Noninterest income to average assets | 0.4559% | 2,820 |
| Noninterest expense to average assets | 3.4756% | 998 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7586% | 3,751 |
| Return on assets (ROA) | 0.7586% | 3,797 |
| Pretax return on assets | 1.1087% | 3,121 |
| Return on Equity (ROE) | 6.2804% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.2804% | 2,331 |
| Net charge-offs to loans | -0.0257% | 4,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8608% | 1,630 |
| Assets per employee ($millions) | 4.9234% | 2,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7746% | 4,590 |
| Loan loss allowance to noncurrent loans | 30.6472% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 2.3949% | 337 |
| Noncurrent loans to loans | 2.5276% | 513 |
| Net loans and leases to total assets | 84.5543% | 325 |
| Net loans and leases to deposits | 120.4828% | 79 |
| Net loans and leases to core deposits | 122.7335% | 458 |
| Total domestic deposits to total assets | 70.1796% | 5,106 |
| Equity capital to assets | 12.3381% | 1,826 |
| Core capital (leverage) ratio | 12.3199% | 1,595 |
| Tier 1 risk-based capital ratio | 13.0815% | 3,836 |
| Total risk-based capital ratio | 13.8211% | 3,999 |
| Memoranda: | ||
| Average total assets | $109,679,500 | 3,944 |
| Average earning assets | $105,790,000 | 3,887 |
| Average equity | $13,247,500 | 3,913 |
| Average total loans | $93,436,000 | 3,420 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2170% | 678 |
| Cost of funding earning assets | 0.9651% | 863 |
| Net interest margin | 4.2520% | 1,276 |
| Noninterest income to average assets | 0.4834% | 2,923 |
| Noninterest expense to average assets | 3.2401% | 1,449 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0463% | 2,821 |
| Return on assets (ROA) | 1.0267% | 2,888 |
| Pretax return on assets | 1.3048% | 2,480 |
| Return on Equity (ROE) | 9.5721% | 2,705 |
| Retained earnings to average equity (ytd only) | 9.5721% | 718 |
| Net charge-offs to loans | -0.0354% | 4,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0431% | 2,182 |
| Assets per employee ($millions) | 5.0475% | 2,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7497% | 4,675 |
| Loan loss allowance to noncurrent loans | 29.5417% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 2.3963% | 330 |
| Noncurrent loans to loans | 2.5377% | 475 |
| Net loans and leases to total assets | 84.5278% | 367 |
| Net loans and leases to deposits | 112.9791% | 178 |
| Net loans and leases to core deposits | 114.5509% | 759 |
| Total domestic deposits to total assets | 74.8172% | 4,890 |
| Equity capital to assets | 11.8250% | 2,012 |
| Core capital (leverage) ratio | 11.3329% | 2,238 |
| Tier 1 risk-based capital ratio | 12.2916% | 4,237 |
| Total risk-based capital ratio | 13.0103% | 4,465 |
| Memoranda: | ||
| Average total assets | $116,878,400 | 3,840 |
| Average earning assets | $112,324,600 | 3,771 |
| Average equity | $12,536,400 | 3,951 |
| Average total loans | $98,783,200 | 3,328 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 612 |
| Cost of funding earning assets | 0.9504% | 749 |
| Net interest margin | 4.2649% | 1,194 |
| Noninterest income to average assets | 0.5295% | 2,675 |
| Noninterest expense to average assets | 3.1728% | 1,590 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1718% | 2,354 |
| Return on assets (ROA) | 1.1718% | 2,363 |
| Pretax return on assets | 1.4523% | 2,053 |
| Return on Equity (ROE) | 11.1936% | 2,097 |
| Retained earnings to average equity (ytd only) | 11.1936% | 607 |
| Net charge-offs to loans | -0.0387% | 4,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7467% | 2,585 |
| Assets per employee ($millions) | 5.0937% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 4,786 |
| Loan loss allowance to noncurrent loans | 60.9714% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2618% | 1,096 |
| Noncurrent loans to loans | 1.2118% | 1,396 |
| Net loans and leases to total assets | 84.2827% | 423 |
| Net loans and leases to deposits | 103.7514% | 564 |
| Net loans and leases to core deposits | 105.0625% | 1,374 |
| Total domestic deposits to total assets | 81.2352% | 3,805 |
| Equity capital to assets | 11.5384% | 2,236 |
| Core capital (leverage) ratio | 10.6057% | 2,973 |
| Tier 1 risk-based capital ratio | 12.2371% | 4,355 |
| Total risk-based capital ratio | 12.9615% | 4,550 |
| Memoranda: | ||
| Average total assets | $118,337,000 | 3,854 |
| Average earning assets | $113,638,750 | 3,787 |
| Average equity | $12,387,750 | 4,003 |
| Average total loans | $99,836,000 | 3,329 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 552 |
| Cost of funding earning assets | 0.9228% | 661 |
| Net interest margin | 4.2797% | 1,077 |
| Noninterest income to average assets | 0.5397% | 2,636 |
| Noninterest expense to average assets | 3.1820% | 1,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3319% | 1,657 |
| Return on assets (ROA) | 1.3319% | 1,663 |
| Pretax return on assets | 1.4631% | 1,947 |
| Return on Equity (ROE) | 13.1400% | 1,325 |
| Retained earnings to average equity (ytd only) | 13.1400% | 362 |
| Net charge-offs to loans | -0.0414% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6797% | 2,700 |
| Assets per employee ($millions) | 5.3920% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 4,922 |
| Loan loss allowance to noncurrent loans | 245.5830% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 1,563 |
| Noncurrent loans to loans | 0.2899% | 3,662 |
| Net loans and leases to total assets | 81.7104% | 743 |
| Net loans and leases to deposits | 108.3248% | 340 |
| Net loans and leases to core deposits | 110.3409% | 976 |
| Total domestic deposits to total assets | 75.4310% | 4,912 |
| Equity capital to assets | 10.6875% | 2,945 |
| Core capital (leverage) ratio | 10.1194% | 3,460 |
| Tier 1 risk-based capital ratio | 11.8389% | 4,596 |
| Total risk-based capital ratio | 12.5318% | 4,806 |
| Memoranda: | ||
| Average total assets | $120,429,000 | 3,852 |
| Average earning assets | $115,523,000 | 3,783 |
| Average equity | $12,207,000 | 4,057 |
| Average total loans | $101,397,670 | 3,314 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 573 |
| Cost of funding earning assets | 0.8650% | 708 |
| Net interest margin | 4.2461% | 1,059 |
| Noninterest income to average assets | 0.3066% | 4,114 |
| Noninterest expense to average assets | 2.9275% | 2,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9264% | 3,174 |
| Return on assets (ROA) | 0.9264% | 3,194 |
| Pretax return on assets | 1.4572% | 1,811 |
| Return on Equity (ROE) | 9.3890% | 2,722 |
| Retained earnings to average equity (ytd only) | 9.3890% | 1,331 |
| Net charge-offs to loans | -0.0503% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8647% | 3,190 |
| Assets per employee ($millions) | 5.5210% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 5,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7089% | 2,199 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 84.1809% | 424 |
| Net loans and leases to deposits | 108.1487% | 312 |
| Net loans and leases to core deposits | 110.0389% | 1,009 |
| Total domestic deposits to total assets | 77.8382% | 4,748 |
| Equity capital to assets | 9.9974% | 3,594 |
| Core capital (leverage) ratio | 9.5258% | 4,042 |
| Tier 1 risk-based capital ratio | 11.0260% | 5,119 |
| Total risk-based capital ratio | 11.6898% | 5,291 |
| Memoranda: | ||
| Average total assets | $121,331,000 | 3,879 |
| Average earning assets | $116,530,500 | 3,804 |
| Average equity | $11,971,500 | 4,126 |
| Average total loans | $103,284,500 | 3,302 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8899% | 813 |
| Cost of funding earning assets | 0.7968% | 633 |
| Net interest margin | 4.0931% | 1,466 |
| Noninterest income to average assets | 0.1818% | 5,045 |
| Noninterest expense to average assets | 3.1695% | 1,682 |
| Loan and lease loss provision to assets | 0.0745% | 2,711 |
| Net operating income to assets | 0.0710% | 5,286 |
| Return on assets (ROA) | 0.0871% | 5,277 |
| Pretax return on assets | 0.8569% | 4,061 |
| Return on Equity (ROE) | 0.8750% | 5,247 |
| Retained earnings to average equity (ytd only) | 0.8750% | 4,681 |
| Net charge-offs to loans | -0.0194% | 4,947 |
| Credit loss provision to net charge-offs | -468.4211% | 4,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8187% | 1,509 |
| Assets per employee ($millions) | 5.2696% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6504% | 5,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 1,994 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 84.9506% | 350 |
| Net loans and leases to deposits | 109.0492% | 293 |
| Net loans and leases to core deposits | 110.6002% | 968 |
| Total domestic deposits to total assets | 77.9012% | 4,730 |
| Equity capital to assets | 9.7359% | 3,985 |
| Core capital (leverage) ratio | 9.1340% | 4,483 |
| Tier 1 risk-based capital ratio | 10.4697% | 5,375 |
| Total risk-based capital ratio | 11.1051% | 5,521 |
| Memoranda: | ||
| Average total assets | $119,387,000 | 3,906 |
| Average earning assets | $113,581,000 | 3,850 |
| Average equity | $11,885,200 | 4,159 |
| Average total loans | $98,036,200 | 3,380 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8065% | 915 |
| Cost of funding earning assets | 0.7791% | 653 |
| Net interest margin | 4.0275% | 1,612 |
| Noninterest income to average assets | 0.1256% | 5,375 |
| Noninterest expense to average assets | 2.9876% | 2,140 |
| Loan and lease loss provision to assets | 0.0998% | 2,112 |
| Net operating income to assets | 0.4942% | 4,743 |
| Return on assets (ROA) | 0.5157% | 4,717 |
| Pretax return on assets | 0.8968% | 4,054 |
| Return on Equity (ROE) | 5.1511% | 4,469 |
| Retained earnings to average equity (ytd only) | 5.1511% | 2,775 |
| Net charge-offs to loans | 0.0635% | 2,210 |
| Credit loss provision to net charge-offs | 193.4783% | 1,377 |
| Earnings coverage of net charge-offs (x) | 18.6744% | 2,030 |
| Efficiency ratio | 74.6311% | 1,802 |
| Assets per employee ($millions) | 4.9352% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5907% | 5,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9523% | 1,788 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.0718% | 539 |
| Net loans and leases to deposits | 103.0080% | 548 |
| Net loans and leases to core deposits | 104.4312% | 1,356 |
| Total domestic deposits to total assets | 80.6460% | 4,158 |
| Equity capital to assets | 9.8946% | 4,035 |
| Core capital (leverage) ratio | 9.8228% | 3,794 |
| Tier 1 risk-based capital ratio | 11.3252% | 5,059 |
| Total risk-based capital ratio | 11.9006% | 5,326 |
| Memoranda: | ||
| Average total assets | $118,933,500 | 3,952 |
| Average earning assets | $112,954,250 | 3,900 |
| Average equity | $11,906,500 | 4,191 |
| Average total loans | $96,636,500 | 3,431 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 929 |
| Cost of funding earning assets | 0.7583% | 661 |
| Net interest margin | 4.0087% | 1,574 |
| Noninterest income to average assets | -0.0375% | 5,748 |
| Noninterest expense to average assets | 2.8829% | 2,482 |
| Loan and lease loss provision to assets | 0.1516% | 1,330 |
| Net operating income to assets | 0.4376% | 4,874 |
| Return on assets (ROA) | 0.4376% | 4,899 |
| Pretax return on assets | 0.7271% | 4,480 |
| Return on Equity (ROE) | 4.3537% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.3537% | 3,114 |
| Net charge-offs to loans | 0.1524% | 1,239 |
| Credit loss provision to net charge-offs | 123.6111% | 1,749 |
| Earnings coverage of net charge-offs (x) | 7.1667% | 2,633 |
| Efficiency ratio | 75.5998% | 1,790 |
| Assets per employee ($millions) | 4.7568% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5909% | 5,396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 1,777 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.4716% | 609 |
| Net loans and leases to deposits | 102.9172% | 553 |
| Net loans and leases to core deposits | 104.3995% | 1,328 |
| Total domestic deposits to total assets | 80.1339% | 4,378 |
| Equity capital to assets | 10.0630% | 3,838 |
| Core capital (leverage) ratio | 9.4572% | 4,173 |
| Tier 1 risk-based capital ratio | 11.2399% | 5,121 |
| Total risk-based capital ratio | 11.8399% | 5,352 |
| Memoranda: | ||
| Average total assets | $117,451,330 | 4,000 |
| Average earning assets | $111,308,670 | 3,957 |
| Average equity | $11,806,000 | 4,221 |
| Average total loans | $94,481,000 | 3,483 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6752% | 980 |
| Cost of funding earning assets | 0.7285% | 728 |
| Net interest margin | 3.9467% | 1,613 |
| Noninterest income to average assets | -0.2193% | 5,843 |
| Noninterest expense to average assets | 2.6217% | 3,406 |
| Loan and lease loss provision to assets | 0.3050% | 436 |
| Net operating income to assets | 0.3461% | 5,083 |
| Return on assets (ROA) | 0.3461% | 5,102 |
| Pretax return on assets | 0.5860% | 4,761 |
| Return on Equity (ROE) | 3.4455% | 4,976 |
| Retained earnings to average equity (ytd only) | 3.4455% | 3,714 |
| Net charge-offs to loans | 0.3723% | 491 |
| Credit loss provision to net charge-offs | 103.4884% | 1,528 |
| Earnings coverage of net charge-offs (x) | 3.0233% | 2,520 |
| Efficiency ratio | 73.4634% | 2,328 |
| Assets per employee ($millions) | 4.7076% | 2,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6143% | 5,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9984% | 1,826 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.2174% | 1,101 |
| Net loans and leases to deposits | 97.5862% | 802 |
| Net loans and leases to core deposits | 98.4788% | 1,620 |
| Total domestic deposits to total assets | 80.1521% | 4,588 |
| Equity capital to assets | 10.0178% | 3,731 |
| Core capital (leverage) ratio | 9.2853% | 4,366 |
| Tier 1 risk-based capital ratio | 12.3370% | 4,485 |
| Total risk-based capital ratio | 12.9913% | 4,791 |
| Memoranda: | ||
| Average total assets | $116,716,500 | 4,050 |
| Average earning assets | $110,370,000 | 4,010 |
| Average equity | $11,725,500 | 4,265 |
| Average total loans | $92,392,000 | 3,545 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 762 |
| Cost of funding earning assets | 0.7167% | 756 |
| Net interest margin | 4.1686% | 1,186 |
| Noninterest income to average assets | 0.2882% | 4,674 |
| Noninterest expense to average assets | 4.2271% | 475 |
| Loan and lease loss provision to assets | 0.2631% | 779 |
| Net operating income to assets | 1.1605% | 1,643 |
| Return on assets (ROA) | 1.1605% | 1,742 |
| Pretax return on assets | -0.3033% | 5,742 |
| Return on Equity (ROE) | 12.4613% | 1,129 |
| Retained earnings to average equity (ytd only) | 12.4613% | 195 |
| Net charge-offs to loans | 0.1241% | 2,016 |
| Credit loss provision to net charge-offs | 270.6897% | 1,065 |
| Earnings coverage of net charge-offs (x) | -0.4138% | 4,155 |
| Efficiency ratio | 100.0400% | 224 |
| Assets per employee ($millions) | 4.4517% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6131% | 5,503 |
| Loan loss allowance to noncurrent loans | 71.7005% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.0567% | 1,784 |
| Noncurrent loans to loans | 0.8550% | 2,392 |
| Net loans and leases to total assets | 79.1374% | 1,021 |
| Net loans and leases to deposits | 99.2545% | 720 |
| Net loans and leases to core deposits | 100.1827% | 1,606 |
| Total domestic deposits to total assets | 79.7318% | 4,623 |
| Equity capital to assets | 10.0749% | 3,642 |
| Core capital (leverage) ratio | 8.8945% | 4,859 |
| Tier 1 risk-based capital ratio | 12.1856% | 4,593 |
| Total risk-based capital ratio | 12.8313% | 4,908 |
| Memoranda: | ||
| Average total assets | $119,347,600 | 4,011 |
| Average earning assets | $111,619,200 | 3,980 |
| Average equity | $11,114,400 | 4,413 |
| Average total loans | $93,448,000 | 3,511 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9868% | 622 |
| Cost of funding earning assets | 0.7068% | 788 |
| Net interest margin | 4.2800% | 963 |
| Noninterest income to average assets | 0.3570% | 4,228 |
| Noninterest expense to average assets | 4.5493% | 367 |
| Loan and lease loss provision to assets | 0.2872% | 607 |
| Net operating income to assets | 1.4924% | 891 |
| Return on assets (ROA) | 1.4924% | 938 |
| Pretax return on assets | -0.4845% | 5,848 |
| Return on Equity (ROE) | 16.3478% | 507 |
| Retained earnings to average equity (ytd only) | 16.3478% | 101 |
| Net charge-offs to loans | 0.1621% | 1,407 |
| Credit loss provision to net charge-offs | 227.1930% | 1,300 |
| Earnings coverage of net charge-offs (x) | -1.5614% | 3,862 |
| Efficiency ratio | 103.6433% | 183 |
| Assets per employee ($millions) | 5.0316% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5678% | 5,644 |
| Loan loss allowance to noncurrent loans | 65.1015% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 2.0876% | 734 |
| Noncurrent loans to loans | 0.8722% | 2,511 |
| Net loans and leases to total assets | 71.4161% | 2,276 |
| Net loans and leases to deposits | 87.6961% | 2,053 |
| Net loans and leases to core deposits | 88.4342% | 2,721 |
| Total domestic deposits to total assets | 81.4359% | 4,124 |
| Equity capital to assets | 9.2805% | 4,885 |
| Core capital (leverage) ratio | 8.9041% | 4,937 |
| Tier 1 risk-based capital ratio | 12.0638% | 4,751 |
| Total risk-based capital ratio | 12.6462% | 5,056 |
| Memoranda: | ||
| Average total assets | $120,248,750 | 4,015 |
| Average earning assets | $112,239,000 | 3,991 |
| Average equity | $10,977,750 | 4,470 |
| Average total loans | $93,769,750 | 3,518 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 353 |
| Cost of funding earning assets | 0.7071% | 772 |
| Net interest margin | 4.6032% | 506 |
| Noninterest income to average assets | 0.4814% | 3,322 |
| Noninterest expense to average assets | 5.3986% | 223 |
| Loan and lease loss provision to assets | 0.3530% | 464 |
| Net operating income to assets | 2.1047% | 275 |
| Return on assets (ROA) | 2.1047% | 293 |
| Pretax return on assets | -0.9814% | 5,971 |
| Return on Equity (ROE) | 23.1907% | 125 |
| Retained earnings to average equity (ytd only) | 23.1907% | 40 |
| Net charge-offs to loans | 0.2508% | 946 |
| Credit loss provision to net charge-offs | 175.6303% | 1,427 |
| Earnings coverage of net charge-offs (x) | -3.1261% | 3,613 |
| Efficiency ratio | 112.3584% | 131 |
| Assets per employee ($millions) | 5.0650% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4961% | 5,801 |
| Loan loss allowance to noncurrent loans | 59.4034% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 2.3400% | 628 |
| Noncurrent loans to loans | 0.8351% | 2,660 |
| Net loans and leases to total assets | 78.8599% | 1,089 |
| Net loans and leases to deposits | 98.4630% | 839 |
| Net loans and leases to core deposits | 99.0736% | 1,713 |
| Total domestic deposits to total assets | 80.0908% | 4,515 |
| Equity capital to assets | 9.9155% | 4,330 |
| Core capital (leverage) ratio | 9.0045% | 4,820 |
| Tier 1 risk-based capital ratio | 11.8559% | 4,936 |
| Total risk-based capital ratio | 12.3732% | 5,270 |
| Memoranda: | ||
| Average total assets | $118,401,330 | 4,079 |
| Average earning assets | $110,314,670 | 4,050 |
| Average equity | $10,745,670 | 4,537 |
| Average total loans | $94,910,330 | 3,505 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5783% | 228 |
| Cost of funding earning assets | 0.6905% | 850 |
| Net interest margin | 4.8877% | 320 |
| Noninterest income to average assets | 0.2145% | 5,203 |
| Noninterest expense to average assets | 3.9848% | 617 |
| Loan and lease loss provision to assets | 0.3351% | 447 |
| Net operating income to assets | 0.4491% | 4,835 |
| Return on assets (ROA) | 0.4491% | 4,917 |
| Pretax return on assets | 0.4491% | 5,213 |
| Return on Equity (ROE) | 5.1822% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.1822% | 2,830 |
| Net charge-offs to loans | 0.0499% | 2,045 |
| Credit loss provision to net charge-offs | 833.3333% | 421 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,502 |
| Efficiency ratio | 82.7126% | 1,289 |
| Assets per employee ($millions) | 4.9807% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4777% | 5,881 |
| Loan loss allowance to noncurrent loans | 45.5544% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 3.4609% | 326 |
| Noncurrent loans to loans | 1.0486% | 2,296 |
| Net loans and leases to total assets | 79.4800% | 890 |
| Net loans and leases to deposits | 99.4796% | 662 |
| Net loans and leases to core deposits | 100.0769% | 1,479 |
| Total domestic deposits to total assets | 79.8958% | 4,768 |
| Equity capital to assets | 8.7186% | 5,406 |
| Core capital (leverage) ratio | 8.6205% | 5,267 |
| Tier 1 risk-based capital ratio | 11.2169% | 5,386 |
| Total risk-based capital ratio | 11.7179% | 5,679 |
| Memoranda: | ||
| Average total assets | $119,355,000 | 4,083 |
| Average earning assets | $111,217,000 | 4,067 |
| Average equity | $10,343,000 | 4,610 |
| Average total loans | $96,203,000 | 3,491 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3956% | 326 |
| Cost of funding earning assets | 0.5991% | 1,361 |
| Net interest margin | 4.7965% | 377 |
| Noninterest income to average assets | 0.3403% | 4,476 |
| Noninterest expense to average assets | 3.9164% | 742 |
| Loan and lease loss provision to assets | 0.1910% | 1,161 |
| Net operating income to assets | 0.6894% | 3,866 |
| Return on assets (ROA) | 0.6996% | 3,919 |
| Pretax return on assets | 0.7118% | 4,499 |
| Return on Equity (ROE) | 8.7071% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.7071% | 728 |
| Net charge-offs to loans | 0.0726% | 2,793 |
| Credit loss provision to net charge-offs | 333.3333% | 897 |
| Earnings coverage of net charge-offs (x) | 15.5758% | 2,194 |
| Efficiency ratio | 80.6137% | 1,597 |
| Assets per employee ($millions) | 4.9655% | 2,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3796% | 6,010 |
| Loan loss allowance to noncurrent loans | 30.6922% | 5,320 |
| Noncurrent assets plus other real estate owned to assets | 3.6334% | 314 |
| Noncurrent loans to loans | 1.2368% | 1,909 |
| Net loans and leases to total assets | 81.0368% | 705 |
| Net loans and leases to deposits | 102.3301% | 529 |
| Net loans and leases to core deposits | 103.5069% | 1,255 |
| Total domestic deposits to total assets | 79.1916% | 4,938 |
| Equity capital to assets | 8.6127% | 5,455 |
| Core capital (leverage) ratio | 8.5597% | 5,367 |
| Tier 1 risk-based capital ratio | 10.7919% | 5,628 |
| Total risk-based capital ratio | 11.1846% | 5,918 |
| Memoranda: | ||
| Average total assets | $115,208,800 | 4,155 |
| Average earning assets | $107,328,000 | 4,109 |
| Average equity | $9,256,800 | 4,792 |
| Average total loans | $90,950,400 | 3,569 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 641 |
| Cost of funding earning assets | 0.5800% | 1,545 |
| Net interest margin | 4.4034% | 789 |
| Noninterest income to average assets | 0.3747% | 4,253 |
| Noninterest expense to average assets | 3.6152% | 1,094 |
| Loan and lease loss provision to assets | 0.1401% | 1,583 |
| Net operating income to assets | 0.7319% | 3,757 |
| Return on assets (ROA) | 0.7249% | 3,895 |
| Pretax return on assets | 0.7249% | 4,596 |
| Return on Equity (ROE) | 9.1947% | 2,470 |
| Retained earnings to average equity (ytd only) | 9.1947% | 834 |
| Net charge-offs to loans | 0.1028% | 2,107 |
| Credit loss provision to net charge-offs | 173.9130% | 1,504 |
| Earnings coverage of net charge-offs (x) | 10.8259% | 2,558 |
| Efficiency ratio | 79.6566% | 1,712 |
| Assets per employee ($millions) | 4.4444% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3009% | 6,144 |
| Loan loss allowance to noncurrent loans | 108.6066% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 2.8091% | 568 |
| Noncurrent loans to loans | 0.2770% | 4,586 |
| Net loans and leases to total assets | 75.9887% | 1,389 |
| Net loans and leases to deposits | 87.9320% | 1,912 |
| Net loans and leases to core deposits | 88.6627% | 2,589 |
| Total domestic deposits to total assets | 86.4176% | 2,320 |
| Equity capital to assets | 8.7552% | 5,529 |
| Core capital (leverage) ratio | 8.5564% | 5,508 |
| Tier 1 risk-based capital ratio | 11.8075% | 5,197 |
| Total risk-based capital ratio | 12.1234% | 5,643 |
| Memoranda: | ||
| Average total assets | $114,217,750 | 4,213 |
| Average earning assets | $106,671,750 | 4,166 |
| Average equity | $9,005,000 | 4,904 |
| Average total loans | $89,452,500 | 3,635 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2053% | 423 |
| Cost of funding earning assets | 0.5679% | 1,659 |
| Net interest margin | 4.6374% | 493 |
| Noninterest income to average assets | 0.4307% | 3,851 |
| Noninterest expense to average assets | 3.8164% | 851 |
| Loan and lease loss provision to assets | 0.1231% | 1,792 |
| Net operating income to assets | 0.8071% | 3,345 |
| Return on assets (ROA) | 0.8174% | 3,402 |
| Pretax return on assets | 0.8368% | 4,179 |
| Return on Equity (ROE) | 10.7710% | 1,757 |
| Retained earnings to average equity (ytd only) | 10.7710% | 533 |
| Net charge-offs to loans | 0.1602% | 1,515 |
| Credit loss provision to net charge-offs | 97.2222% | 2,110 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,662 |
| Efficiency ratio | 79.2328% | 1,875 |
| Assets per employee ($millions) | 4.5791% | 2,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2376% | 6,237 |
| Loan loss allowance to noncurrent loans | 164.3411% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 2.8233% | 616 |
| Noncurrent loans to loans | 0.1446% | 5,170 |
| Net loans and leases to total assets | 77.7492% | 1,104 |
| Net loans and leases to deposits | 89.9649% | 1,604 |
| Net loans and leases to core deposits | 90.7196% | 2,271 |
| Total domestic deposits to total assets | 86.4217% | 2,477 |
| Equity capital to assets | 8.6934% | 5,531 |
| Core capital (leverage) ratio | 8.5924% | 5,447 |
| Tier 1 risk-based capital ratio | 11.4930% | 5,469 |
| Total risk-based capital ratio | 11.7435% | 5,865 |
| Memoranda: | ||
| Average total assets | $113,772,330 | 4,255 |
| Average earning assets | $106,353,670 | 4,216 |
| Average equity | $8,634,330 | 5,030 |
| Average total loans | $89,912,330 | 3,647 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3632% | 318 |
| Cost of funding earning assets | 0.5552% | 1,799 |
| Net interest margin | 4.8080% | 347 |
| Noninterest income to average assets | 0.5960% | 2,669 |
| Noninterest expense to average assets | 4.2920% | 504 |
| Loan and lease loss provision to assets | 0.0705% | 2,528 |
| Net operating income to assets | 0.6989% | 3,805 |
| Return on assets (ROA) | 0.7194% | 3,830 |
| Pretax return on assets | 0.7441% | 4,451 |
| Return on Equity (ROE) | 10.2313% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.2313% | 867 |
| Net charge-offs to loans | 0.3590% | 682 |
| Credit loss provision to net charge-offs | 24.6914% | 2,322 |
| Earnings coverage of net charge-offs (x) | 2.7778% | 2,700 |
| Efficiency ratio | 83.5645% | 1,422 |
| Assets per employee ($millions) | 4.4935% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1715% | 6,329 |
| Loan loss allowance to noncurrent loans | 15.1786% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 3.9292% | 384 |
| Noncurrent loans to loans | 1.1297% | 2,515 |
| Net loans and leases to total assets | 79.2928% | 766 |
| Net loans and leases to deposits | 92.9279% | 1,097 |
| Net loans and leases to core deposits | 93.7297% | 1,789 |
| Total domestic deposits to total assets | 85.3273% | 3,256 |
| Equity capital to assets | 8.6258% | 5,633 |
| Core capital (leverage) ratio | 8.4295% | 5,597 |
| Tier 1 risk-based capital ratio | 11.0624% | 5,776 |
| Total risk-based capital ratio | 11.2417% | 6,123 |
| Memoranda: | ||
| Average total assets | $113,420,000 | 4,297 |
| Average earning assets | $105,907,500 | 4,254 |
| Average equity | $7,975,500 | 5,218 |
| Average total loans | $90,260,000 | 3,639 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1187% | 608 |
| Cost of funding earning assets | 0.3845% | 3,851 |
| Net interest margin | 4.7343% | 493 |
| Noninterest income to average assets | 0.3046% | 4,935 |
| Noninterest expense to average assets | 3.9131% | 843 |
| Loan and lease loss provision to assets | 0.1751% | 1,476 |
| Net operating income to assets | 0.6307% | 4,233 |
| Return on assets (ROA) | 0.6298% | 4,344 |
| Pretax return on assets | 0.6379% | 4,818 |
| Return on Equity (ROE) | 11.9694% | 1,421 |
| Retained earnings to average equity (ytd only) | 11.9694% | 302 |
| Net charge-offs to loans | -0.0179% | 5,682 |
| Credit loss provision to net charge-offs | -1,225.0000% | 5,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9127% | 1,675 |
| Assets per employee ($millions) | 4.4043% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2342% | 6,405 |
| Loan loss allowance to noncurrent loans | 15.7122% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 4.2074% | 388 |
| Noncurrent loans to loans | 1.4903% | 1,967 |
| Net loans and leases to total assets | 79.6241% | 792 |
| Net loans and leases to deposits | 91.9979% | 1,289 |
| Net loans and leases to core deposits | 92.7833% | 2,013 |
| Total domestic deposits to total assets | 86.5500% | 2,539 |
| Equity capital to assets | 5.4771% | 6,440 |
| Core capital (leverage) ratio | 5.1561% | 6,449 |
| Tier 1 risk-based capital ratio | 6.7050% | 6,470 |
| Total risk-based capital ratio | 6.9527% | 6,482 |
| Memoranda: | ||
| Average total assets | $111,933,000 | 4,349 |
| Average earning assets | $104,556,800 | 4,299 |
| Average equity | $5,890,000 | 5,643 |
| Average total loans | $89,166,800 | 3,652 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 631 |
| Cost of funding earning assets | 0.3233% | 4,636 |
| Net interest margin | 4.7858% | 446 |
| Noninterest income to average assets | 0.2995% | 5,058 |
| Noninterest expense to average assets | 3.8626% | 894 |
| Loan and lease loss provision to assets | 0.2085% | 1,115 |
| Net operating income to assets | 0.6865% | 4,013 |
| Return on assets (ROA) | 0.6853% | 4,104 |
| Pretax return on assets | 0.6961% | 4,714 |
| Return on Equity (ROE) | 13.1616% | 1,182 |
| Retained earnings to average equity (ytd only) | 13.1616% | 312 |
| Net charge-offs to loans | -0.0211% | 5,629 |
| Credit loss provision to net charge-offs | -1,242.8571% | 5,902 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1256% | 1,899 |
| Assets per employee ($millions) | 4.5301% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2087% | 6,491 |
| Loan loss allowance to noncurrent loans | 15.6895% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 4.0626% | 476 |
| Noncurrent loans to loans | 1.3304% | 2,421 |
| Net loans and leases to total assets | 80.2063% | 696 |
| Net loans and leases to deposits | 87.7719% | 1,699 |
| Net loans and leases to core deposits | 88.2563% | 2,399 |
| Total domestic deposits to total assets | 91.3804% | 262 |
| Equity capital to assets | 5.4188% | 6,510 |
| Core capital (leverage) ratio | 5.0260% | 6,526 |
| Tier 1 risk-based capital ratio | 6.6237% | 6,544 |
| Total risk-based capital ratio | 6.8466% | 6,555 |
| Memoranda: | ||
| Average total assets | $111,288,000 | 4,395 |
| Average earning assets | $103,915,250 | 4,352 |
| Average equity | $5,794,500 | 5,718 |
| Average total loans | $88,610,000 | 3,692 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8894% | 928 |
| Cost of funding earning assets | 0.2016% | 5,898 |
| Net interest margin | 4.6878% | 500 |
| Noninterest income to average assets | 0.2676% | 5,290 |
| Noninterest expense to average assets | 3.7710% | 1,012 |
| Loan and lease loss provision to assets | 0.1265% | 1,953 |
| Net operating income to assets | 0.7250% | 3,703 |
| Return on assets (ROA) | 0.7267% | 3,790 |
| Pretax return on assets | 0.7430% | 4,487 |
| Return on Equity (ROE) | 14.1541% | 926 |
| Retained earnings to average equity (ytd only) | 14.1541% | 252 |
| Net charge-offs to loans | -0.0182% | 5,509 |
| Credit loss provision to net charge-offs | -875.0000% | 5,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3975% | 1,965 |
| Assets per employee ($millions) | 4.2415% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0931% | 6,585 |
| Loan loss allowance to noncurrent loans | 6.7568% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 4.3345% | 458 |
| Noncurrent loans to loans | 1.3781% | 2,507 |
| Net loans and leases to total assets | 77.8360% | 928 |
| Net loans and leases to deposits | 85.1624% | 1,908 |
| Net loans and leases to core deposits | 85.9374% | 2,521 |
| Total domestic deposits to total assets | 91.3972% | 283 |
| Equity capital to assets | 5.4100% | 6,568 |
| Core capital (leverage) ratio | 4.9671% | 6,589 |
| Tier 1 risk-based capital ratio | 6.8256% | 6,601 |
| Total risk-based capital ratio | 6.9255% | 6,619 |
| Memoranda: | ||
| Average total assets | $110,633,000 | 4,435 |
| Average earning assets | $103,161,330 | 4,381 |
| Average equity | $5,680,330 | 5,782 |
| Average total loans | $87,804,670 | 3,721 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 694 |
| Cost of funding earning assets | 0.1936% | 6,056 |
| Net interest margin | 4.8242% | 365 |
| Noninterest income to average assets | 0.2599% | 5,277 |
| Noninterest expense to average assets | 3.9238% | 829 |
| Loan and lease loss provision to assets | 0.1769% | 1,362 |
| Net operating income to assets | 0.6570% | 3,909 |
| Return on assets (ROA) | 0.6570% | 4,009 |
| Pretax return on assets | 0.6570% | 4,641 |
| Return on Equity (ROE) | 13.1467% | 1,124 |
| Retained earnings to average equity (ytd only) | 13.1467% | 467 |
| Net charge-offs to loans | -0.0270% | 5,503 |
| Credit loss provision to net charge-offs | -816.6667% | 5,290 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5630% | 1,983 |
| Assets per employee ($millions) | 4.2610% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0656% | 6,661 |
| Loan loss allowance to noncurrent loans | 23.2653% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 3.6620% | 692 |
| Noncurrent loans to loans | 0.2819% | 5,264 |
| Net loans and leases to total assets | 78.3863% | 722 |
| Net loans and leases to deposits | 85.5728% | 1,648 |
| Net loans and leases to core deposits | 86.1304% | 2,307 |
| Total domestic deposits to total assets | 91.6018% | 353 |
| Equity capital to assets | 5.1640% | 6,622 |
| Core capital (leverage) ratio | 4.7080% | 6,656 |
| Tier 1 risk-based capital ratio | 6.4538% | 6,670 |
| Total risk-based capital ratio | 6.5240% | 6,694 |
| Memoranda: | ||
| Average total assets | $110,810,500 | 4,473 |
| Average earning assets | $103,312,500 | 4,416 |
| Average equity | $5,537,500 | 5,855 |
| Average total loans | $88,749,000 | 3,735 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2218% | 6,765 |
| Cost of funding earning assets | 0.0536% | 6,747 |
| Net interest margin | 1.1682% | 6,752 |
| Noninterest income to average assets | -0.0027% | 6,665 |
| Noninterest expense to average assets | 1.0208% | 6,748 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0411% | 6,147 |
| Return on assets (ROA) | 0.0590% | 6,165 |
| Pretax return on assets | 0.0626% | 6,141 |
| Return on Equity (ROE) | 1.4890% | 5,987 |
| Retained earnings to average equity (ytd only) | 1.4890% | 5,148 |
| Net charge-offs to loans | -0.0024% | 5,865 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9702% | 702 |
| Assets per employee ($millions) | 4.2629% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0022% | 6,749 |
| Loan loss allowance to noncurrent loans | 0.1724% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 4.3263% | 590 |
| Noncurrent loans to loans | 1.2804% | 2,993 |
| Net loans and leases to total assets | 81.7413% | 433 |
| Net loans and leases to deposits | 88.8651% | 1,367 |
| Net loans and leases to core deposits | 89.4062% | 2,092 |
| Total domestic deposits to total assets | 91.9836% | 285 |
| Equity capital to assets | 4.8306% | 6,700 |
| Core capital (leverage) ratio | 4.4216% | 6,733 |
| Tier 1 risk-based capital ratio | 5.9371% | 6,754 |
| Total risk-based capital ratio | 5.9395% | 6,775 |
| Memoranda: | ||
| Average total assets | $110,207,800 | 4,495 |
| Average earning assets | $100,670,400 | 4,491 |
| Average equity | $4,365,200 | 6,244 |
| Average total loans | $83,174,200 | 3,845 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,890 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 0.0000% | 6,886 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 0.0000% | 6,890 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0000% | 6,297 |
| Return on assets (ROA) | 0.0000% | 6,342 |
| Pretax return on assets | 0.0000% | 6,320 |
| Return on Equity (ROE) | 0.0000% | 6,343 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,931 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 4.3197% | 3,183 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 4.6050% | 640 |
| Noncurrent loans to loans | 1.3235% | 3,207 |
| Net loans and leases to total assets | 77.9062% | 757 |
| Net loans and leases to deposits | 84.5849% | 1,801 |
| Net loans and leases to core deposits | 85.0924% | 2,533 |
| Total domestic deposits to total assets | 92.1041% | 235 |
| Equity capital to assets | 4.6932% | 6,794 |
| Core capital (leverage) ratio | 4.3468% | 6,813 |
| Tier 1 risk-based capital ratio | 6.0069% | 6,830 |
| Total risk-based capital ratio | 6.0069% | 6,850 |
| Memoranda: | ||
| Average total assets | $110,051,000 | 4,536 |
| Average earning assets | $99,988,750 | 4,559 |
| Average equity | $4,118,000 | 6,373 |
| Average total loans | $81,317,750 | 3,930 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 611 |
| Cost of funding earning assets | 0.6781% | 2,239 |
| Net interest margin | 4.5438% | 656 |
| Noninterest income to average assets | -0.1464% | 6,857 |
| Noninterest expense to average assets | 3.8775% | 1,007 |
| Loan and lease loss provision to assets | 0.1043% | 3,050 |
| Net operating income to assets | -0.0287% | 6,332 |
| Return on assets (ROA) | 0.0366% | 6,333 |
| Pretax return on assets | 0.0421% | 6,312 |
| Return on Equity (ROE) | 1.0713% | 6,193 |
| Retained earnings to average equity (ytd only) | 1.0713% | 5,469 |
| Net charge-offs to loans | 1.7613% | 272 |
| Credit loss provision to net charge-offs | 8.1662% | 3,923 |
| Earnings coverage of net charge-offs (x) | 0.0559% | 4,529 |
| Efficiency ratio | 98.1928% | 560 |
| Assets per employee ($millions) | 4.1706% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 4,704 |
| Loan loss allowance to noncurrent loans | 28.8445% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 7.6663% | 290 |
| Noncurrent loans to loans | 4.3632% | 824 |
| Net loans and leases to total assets | 74.2353% | 1,217 |
| Net loans and leases to deposits | 79.5448% | 2,395 |
| Net loans and leases to core deposits | 80.2338% | 3,002 |
| Total domestic deposits to total assets | 93.3250% | 98 |
| Equity capital to assets | 3.3596% | 6,884 |
| Core capital (leverage) ratio | 3.4380% | 6,888 |
| Tier 1 risk-based capital ratio | 4.8868% | 6,898 |
| Total risk-based capital ratio | 6.1400% | 6,901 |
| Memoranda: | ||
| Average total assets | $109,297,330 | 4,578 |
| Average earning assets | $98,507,000 | 4,636 |
| Average equity | $3,733,670 | 6,511 |
| Average total loans | $79,257,670 | 4,003 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1916% | 612 |
| Cost of funding earning assets | 0.7224% | 2,046 |
| Net interest margin | 4.4692% | 713 |
| Noninterest income to average assets | -0.1932% | 6,949 |
| Noninterest expense to average assets | 3.6089% | 1,407 |
| Loan and lease loss provision to assets | 0.2078% | 1,787 |
| Net operating income to assets | -0.0172% | 6,368 |
| Return on assets (ROA) | 0.0948% | 6,251 |
| Pretax return on assets | 0.0984% | 6,262 |
| Return on Equity (ROE) | 2.7521% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.7521% | 4,637 |
| Net charge-offs to loans | 3.6762% | 78 |
| Credit loss provision to net charge-offs | 7.9387% | 3,168 |
| Earnings coverage of net charge-offs (x) | 0.0724% | 3,798 |
| Efficiency ratio | 95.0096% | 772 |
| Assets per employee ($millions) | 4.1328% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 4,667 |
| Loan loss allowance to noncurrent loans | 196.8689% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 7.1026% | 392 |
| Noncurrent loans to loans | 0.6628% | 4,796 |
| Net loans and leases to total assets | 70.8098% | 1,542 |
| Net loans and leases to deposits | 76.0409% | 2,634 |
| Net loans and leases to core deposits | 77.9047% | 3,076 |
| Total domestic deposits to total assets | 93.1208% | 116 |
| Equity capital to assets | 3.5308% | 6,955 |
| Core capital (leverage) ratio | 3.4201% | 6,955 |
| Tier 1 risk-based capital ratio | 4.9621% | 6,957 |
| Total risk-based capital ratio | 6.2128% | 6,958 |
| Memoranda: | ||
| Average total assets | $109,728,500 | 4,616 |
| Average earning assets | $98,004,500 | 4,687 |
| Average equity | $3,779,000 | 6,562 |
| Average total loans | $78,125,000 | 4,062 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1814% | 201 |
| Cost of funding earning assets | 0.9068% | 1,902 |
| Net interest margin | 5.2746% | 242 |
| Noninterest income to average assets | -0.2657% | 6,982 |
| Noninterest expense to average assets | 3.9678% | 1,011 |
| Loan and lease loss provision to assets | 0.5733% | 976 |
| Net operating income to assets | -0.1583% | 6,346 |
| Return on assets (ROA) | -0.0701% | 6,361 |
| Pretax return on assets | -0.0655% | 6,338 |
| Return on Equity (ROE) | -2.0968% | 6,460 |
| Retained earnings to average equity (ytd only) | -2.0968% | 6,170 |
| Net charge-offs to loans | 1.6454% | 510 |
| Credit loss provision to net charge-offs | 47.4041% | 4,756 |
| Earnings coverage of net charge-offs (x) | 0.3469% | 5,304 |
| Efficiency ratio | 90.4377% | 1,027 |
| Assets per employee ($millions) | 4.3078% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1060% | 1,757 |
| Loan loss allowance to noncurrent loans | 81.2378% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 9.2203% | 259 |
| Noncurrent loans to loans | 2.5923% | 2,040 |
| Net loans and leases to total assets | 69.1848% | 1,999 |
| Net loans and leases to deposits | 73.6882% | 3,148 |
| Net loans and leases to core deposits | 78.6563% | 3,172 |
| Total domestic deposits to total assets | 93.8886% | 72 |
| Equity capital to assets | 3.3606% | 7,026 |
| Core capital (leverage) ratio | 3.4061% | 7,017 |
| Tier 1 risk-based capital ratio | 4.7692% | 7,027 |
| Total risk-based capital ratio | 6.0331% | 7,028 |
| Memoranda: | ||
| Average total assets | $109,884,200 | 4,593 |
| Average earning assets | $96,935,800 | 4,665 |
| Average equity | $3,672,200 | 6,641 |
| Average total loans | $80,772,200 | 4,017 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2940% | 181 |
| Cost of funding earning assets | 0.9576% | 1,805 |
| Net interest margin | 5.3363% | 227 |
| Noninterest income to average assets | -0.1975% | 7,071 |
| Noninterest expense to average assets | 4.1552% | 766 |
| Loan and lease loss provision to assets | 0.6913% | 736 |
| Net operating income to assets | -0.3609% | 6,624 |
| Return on assets (ROA) | -0.2695% | 6,614 |
| Pretax return on assets | -0.2646% | 6,578 |
| Return on Equity (ROE) | -8.0745% | 6,817 |
| Retained earnings to average equity (ytd only) | -8.0745% | 6,755 |
| Net charge-offs to loans | 2.1418% | 317 |
| Credit loss provision to net charge-offs | 43.4816% | 4,540 |
| Earnings coverage of net charge-offs (x) | 0.2109% | 5,219 |
| Efficiency ratio | 92.5333% | 856 |
| Assets per employee ($millions) | 4.1089% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 1,893 |
| Loan loss allowance to noncurrent loans | 71.9523% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 10.5699% | 212 |
| Noncurrent loans to loans | 2.9264% | 1,909 |
| Net loans and leases to total assets | 70.8936% | 1,743 |
| Net loans and leases to deposits | 74.2039% | 3,253 |
| Net loans and leases to core deposits | 83.7428% | 2,725 |
| Total domestic deposits to total assets | 95.5388% | 33 |
| Equity capital to assets | 3.4231% | 7,121 |
| Core capital (leverage) ratio | 3.2740% | 7,119 |
| Tier 1 risk-based capital ratio | 4.6997% | 7,125 |
| Total risk-based capital ratio | 5.9637% | 7,126 |
| Memoranda: | ||
| Average total assets | $109,354,500 | 4,654 |
| Average earning assets | $96,068,750 | 4,738 |
| Average equity | $3,649,250 | 6,730 |
| Average total loans | $81,176,250 | 4,047 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6812% | 112 |
| Cost of funding earning assets | 0.9899% | 1,826 |
| Net interest margin | 5.6913% | 135 |
| Noninterest income to average assets | -0.4320% | 7,184 |
| Noninterest expense to average assets | 3.8132% | 1,197 |
| Loan and lease loss provision to assets | 1.3739% | 279 |
| Net operating income to assets | -0.6207% | 6,786 |
| Return on assets (ROA) | -0.5318% | 6,782 |
| Pretax return on assets | -0.5318% | 6,752 |
| Return on Equity (ROE) | -16.0695% | 6,993 |
| Retained earnings to average equity (ytd only) | -16.0695% | 6,961 |
| Net charge-offs to loans | 1.6835% | 546 |
| Credit loss provision to net charge-offs | 109.0778% | 2,497 |
| Earnings coverage of net charge-offs (x) | 0.5980% | 4,767 |
| Efficiency ratio | 83.5056% | 1,683 |
| Assets per employee ($millions) | 4.1487% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0739% | 727 |
| Loan loss allowance to noncurrent loans | 41.5925% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 14.3223% | 116 |
| Noncurrent loans to loans | 7.3904% | 504 |
| Net loans and leases to total assets | 68.3772% | 2,221 |
| Net loans and leases to deposits | 72.0181% | 3,605 |
| Net loans and leases to core deposits | 80.9469% | 3,092 |
| Total domestic deposits to total assets | 94.9444% | 52 |
| Equity capital to assets | 3.1925% | 7,176 |
| Core capital (leverage) ratio | 3.2164% | 7,166 |
| Tier 1 risk-based capital ratio | 4.2398% | 7,180 |
| Total risk-based capital ratio | 5.5137% | 7,183 |
| Memoranda: | ||
| Average total assets | $110,195,330 | 4,665 |
| Average earning assets | $96,778,670 | 4,740 |
| Average equity | $3,646,670 | 6,769 |
| Average total loans | $82,446,330 | 4,027 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3852% | 74 |
| Cost of funding earning assets | 1.0336% | 1,784 |
| Net interest margin | 6.3516% | 76 |
| Noninterest income to average assets | -0.7064% | 7,266 |
| Noninterest expense to average assets | 3.8578% | 1,119 |
| Loan and lease loss provision to assets | 2.3425% | 112 |
| Net operating income to assets | -1.3286% | 7,059 |
| Return on assets (ROA) | -1.3286% | 7,074 |
| Pretax return on assets | -1.3286% | 7,050 |
| Return on Equity (ROE) | -39.4351% | 7,198 |
| Retained earnings to average equity (ytd only) | -39.4351% | 7,182 |
| Net charge-offs to loans | 1.4069% | 713 |
| Credit loss provision to net charge-offs | 216.2162% | 1,273 |
| Earnings coverage of net charge-offs (x) | 0.9358% | 3,858 |
| Efficiency ratio | 79.1886% | 2,318 |
| Assets per employee ($millions) | 4.1575% | 3,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3045% | 618 |
| Loan loss allowance to noncurrent loans | 28.8267% | 6,230 |
| Noncurrent assets plus other real estate owned to assets | 17.5725% | 72 |
| Noncurrent loans to loans | 11.4634% | 227 |
| Net loans and leases to total assets | 73.3605% | 1,163 |
| Net loans and leases to deposits | 77.3958% | 2,610 |
| Net loans and leases to core deposits | 88.7510% | 1,976 |
| Total domestic deposits to total assets | 94.7861% | 65 |
| Equity capital to assets | 3.2518% | 7,223 |
| Core capital (leverage) ratio | 3.1636% | 7,224 |
| Tier 1 risk-based capital ratio | 3.9530% | 7,249 |
| Total risk-based capital ratio | 5.2262% | 7,249 |
| Memoranda: | ||
| Average total assets | $109,286,000 | 4,723 |
| Average earning assets | $95,975,500 | 4,793 |
| Average equity | $3,682,000 | 6,805 |
| Average total loans | $84,159,000 | 4,002 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 1,165 |
| Cost of funding earning assets | 1.2248% | 1,874 |
| Net interest margin | 4.2803% | 1,770 |
| Noninterest income to average assets | -1.2689% | 7,333 |
| Noninterest expense to average assets | 4.1857% | 824 |
| Loan and lease loss provision to assets | 1.7327% | 386 |
| Net operating income to assets | -3.4777% | 7,224 |
| Return on assets (ROA) | -3.4777% | 7,227 |
| Pretax return on assets | -3.4716% | 7,230 |
| Return on Equity (ROE) | -62.0220% | 7,252 |
| Retained earnings to average equity (ytd only) | -62.0220% | 7,252 |
| Net charge-offs to loans | 5.1002% | 78 |
| Credit loss provision to net charge-offs | 43.7956% | 5,560 |
| Earnings coverage of net charge-offs (x) | -0.4395% | 6,056 |
| Efficiency ratio | 171.0658% | 94 |
| Assets per employee ($millions) | 4.2491% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7413% | 1,044 |
| Loan loss allowance to noncurrent loans | 26.3298% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 16.2839% | 91 |
| Noncurrent loans to loans | 10.4114% | 291 |
| Net loans and leases to total assets | 75.9823% | 954 |
| Net loans and leases to deposits | 83.3918% | 2,011 |
| Net loans and leases to core deposits | 95.6071% | 1,533 |
| Total domestic deposits to total assets | 91.1149% | 462 |
| Equity capital to assets | 3.4840% | 7,254 |
| Core capital (leverage) ratio | 3.3568% | 7,249 |
| Tier 1 risk-based capital ratio | 4.2112% | 7,274 |
| Total risk-based capital ratio | 5.4832% | 7,274 |
| Memoranda: | ||
| Average total assets | $114,271,000 | 4,544 |
| Average earning assets | $99,198,000 | 4,656 |
| Average equity | $6,407,400 | 6,037 |
| Average total loans | $88,643,400 | 3,889 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 1,529 |
| Cost of funding earning assets | 1.2589% | 1,945 |
| Net interest margin | 4.1354% | 2,328 |
| Noninterest income to average assets | -0.7441% | 7,387 |
| Noninterest expense to average assets | 4.2712% | 738 |
| Loan and lease loss provision to assets | 0.5462% | 1,799 |
| Net operating income to assets | -1.9915% | 7,135 |
| Return on assets (ROA) | -1.9915% | 7,147 |
| Pretax return on assets | -1.9846% | 7,121 |
| Return on Equity (ROE) | -32.5615% | 7,214 |
| Retained earnings to average equity (ytd only) | -32.5615% | 7,207 |
| Net charge-offs to loans | 3.9778% | 169 |
| Credit loss provision to net charge-offs | 17.7310% | 5,593 |
| Earnings coverage of net charge-offs (x) | -0.4669% | 5,823 |
| Efficiency ratio | 150.7761% | 138 |
| Assets per employee ($millions) | 4.2107% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0768% | 815 |
| Loan loss allowance to noncurrent loans | 46.0899% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 13.9883% | 158 |
| Noncurrent loans to loans | 6.6756% | 774 |
| Net loans and leases to total assets | 75.2850% | 1,098 |
| Net loans and leases to deposits | 82.6342% | 2,235 |
| Net loans and leases to core deposits | 94.3359% | 1,763 |
| Total domestic deposits to total assets | 91.1064% | 404 |
| Equity capital to assets | 5.3541% | 7,236 |
| Core capital (leverage) ratio | 5.3034% | 7,204 |
| Tier 1 risk-based capital ratio | 6.4950% | 7,274 |
| Total risk-based capital ratio | 7.7711% | 7,272 |
| Memoranda: | ||
| Average total assets | $115,219,500 | 4,548 |
| Average earning assets | $99,657,750 | 4,680 |
| Average equity | $7,047,000 | 5,891 |
| Average total loans | $89,227,000 | 3,921 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2122% | 2,216 |
| Cost of funding earning assets | 1.2985% | 1,950 |
| Net interest margin | 3.9136% | 3,245 |
| Noninterest income to average assets | -0.9228% | 7,471 |
| Noninterest expense to average assets | 3.9419% | 1,129 |
| Loan and lease loss provision to assets | 0.8122% | 1,133 |
| Net operating income to assets | -2.3054% | 7,241 |
| Return on assets (ROA) | -2.3054% | 7,244 |
| Pretax return on assets | -2.3019% | 7,222 |
| Return on Equity (ROE) | -36.2156% | 7,286 |
| Retained earnings to average equity (ytd only) | -36.2156% | 7,281 |
| Net charge-offs to loans | 3.5562% | 249 |
| Credit loss provision to net charge-offs | 29.5226% | 5,002 |
| Earnings coverage of net charge-offs (x) | -0.5415% | 5,538 |
| Efficiency ratio | 160.7470% | 120 |
| Assets per employee ($millions) | 4.0843% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3402% | 324 |
| Loan loss allowance to noncurrent loans | 62.1817% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 14.8197% | 153 |
| Noncurrent loans to loans | 6.9799% | 743 |
| Net loans and leases to total assets | 72.9471% | 1,603 |
| Net loans and leases to deposits | 81.5737% | 2,512 |
| Net loans and leases to core deposits | 93.4848% | 1,963 |
| Total domestic deposits to total assets | 89.4247% | 1,285 |
| Equity capital to assets | 5.6663% | 7,277 |
| Core capital (leverage) ratio | 5.5570% | 7,250 |
| Tier 1 risk-based capital ratio | 6.7994% | 7,325 |
| Total risk-based capital ratio | 8.0892% | 7,327 |
| Memoranda: | ||
| Average total assets | $115,730,000 | 4,570 |
| Average earning assets | $99,804,670 | 4,712 |
| Average equity | $7,367,000 | 5,814 |
| Average total loans | $89,533,670 | 3,949 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 2,662 |
| Cost of funding earning assets | 1.3122% | 2,115 |
| Net interest margin | 3.7850% | 3,677 |
| Noninterest income to average assets | -0.0859% | 7,379 |
| Noninterest expense to average assets | 2.6973% | 4,846 |
| Loan and lease loss provision to assets | 0.5223% | 1,668 |
| Net operating income to assets | -0.0515% | 6,415 |
| Return on assets (ROA) | -0.0515% | 6,433 |
| Pretax return on assets | -0.0447% | 6,399 |
| Return on Equity (ROE) | -0.7682% | 6,458 |
| Retained earnings to average equity (ytd only) | -0.7682% | 5,937 |
| Net charge-offs to loans | 5.1468% | 144 |
| Credit loss provision to net charge-offs | 13.0249% | 4,358 |
| Earnings coverage of net charge-offs (x) | 0.1191% | 4,511 |
| Efficiency ratio | 84.9567% | 1,845 |
| Assets per employee ($millions) | 4.1341% | 3,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4756% | 290 |
| Loan loss allowance to noncurrent loans | 66.3145% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 15.7875% | 141 |
| Noncurrent loans to loans | 6.7490% | 850 |
| Net loans and leases to total assets | 71.7622% | 1,773 |
| Net loans and leases to deposits | 82.6755% | 2,238 |
| Net loans and leases to core deposits | 94.9881% | 1,770 |
| Total domestic deposits to total assets | 86.7998% | 3,057 |
| Equity capital to assets | 6.7374% | 7,152 |
| Core capital (leverage) ratio | 6.6956% | 7,117 |
| Tier 1 risk-based capital ratio | 8.1323% | 7,286 |
| Total risk-based capital ratio | 9.4270% | 7,287 |
| Memoranda: | ||
| Average total assets | $116,414,500 | 4,577 |
| Average earning assets | $100,291,000 | 4,734 |
| Average equity | $7,810,500 | 5,677 |
| Average total loans | $90,696,500 | 3,958 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4198% | 2,580 |
| Cost of funding earning assets | 1.6172% | 1,968 |
| Net interest margin | 3.8026% | 3,934 |
| Noninterest income to average assets | -0.7600% | 7,597 |
| Noninterest expense to average assets | 4.0112% | 1,144 |
| Loan and lease loss provision to assets | 3.1304% | 291 |
| Net operating income to assets | -5.3800% | 7,561 |
| Return on assets (ROA) | -5.3800% | 7,567 |
| Pretax return on assets | -4.5950% | 7,509 |
| Return on Equity (ROE) | -53.0270% | 7,437 |
| Retained earnings to average equity (ytd only) | -53.0270% | 7,434 |
| Net charge-offs to loans | 1.7529% | 1,220 |
| Credit loss provision to net charge-offs | 226.2535% | 1,309 |
| Earnings coverage of net charge-offs (x) | -1.0586% | 6,619 |
| Efficiency ratio | 136.1800% | 275 |
| Assets per employee ($millions) | 4.1812% | 3,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1963% | 170 |
| Loan loss allowance to noncurrent loans | 64.3288% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 15.1572% | 161 |
| Noncurrent loans to loans | 8.0778% | 641 |
| Net loans and leases to total assets | 76.4694% | 1,189 |
| Net loans and leases to deposits | 88.1768% | 1,762 |
| Net loans and leases to core deposits | 100.8857% | 1,544 |
| Total domestic deposits to total assets | 86.7228% | 2,961 |
| Equity capital to assets | 6.6813% | 7,215 |
| Core capital (leverage) ratio | 6.0392% | 7,294 |
| Tier 1 risk-based capital ratio | 7.8231% | 7,360 |
| Total risk-based capital ratio | 9.1273% | 7,361 |
| Memoranda: | ||
| Average total assets | $128,290,800 | 4,311 |
| Average earning assets | $111,554,200 | 4,431 |
| Average equity | $13,016,000 | 4,358 |
| Average total loans | $101,260,400 | 3,754 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4352% | 2,720 |
| Cost of funding earning assets | 1.5963% | 2,407 |
| Net interest margin | 3.8390% | 3,801 |
| Noninterest income to average assets | -0.3865% | 7,654 |
| Noninterest expense to average assets | 2.8447% | 4,295 |
| Loan and lease loss provision to assets | 2.9342% | 307 |
| Net operating income to assets | -1.6649% | 7,147 |
| Return on assets (ROA) | -1.6649% | 7,160 |
| Pretax return on assets | -2.8315% | 7,381 |
| Return on Equity (ROE) | -15.2475% | 7,116 |
| Retained earnings to average equity (ytd only) | -15.2475% | 7,089 |
| Net charge-offs to loans | 1.8361% | 1,048 |
| Credit loss provision to net charge-offs | 203.4556% | 1,747 |
| Earnings coverage of net charge-offs (x) | 0.0712% | 5,960 |
| Efficiency ratio | 96.5148% | 886 |
| Assets per employee ($millions) | 4.8490% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2220% | 307 |
| Loan loss allowance to noncurrent loans | 99.1603% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 10.6207% | 353 |
| Noncurrent loans to loans | 4.2578% | 1,710 |
| Net loans and leases to total assets | 69.0562% | 2,970 |
| Net loans and leases to deposits | 81.2139% | 3,235 |
| Net loans and leases to core deposits | 100.0651% | 1,841 |
| Total domestic deposits to total assets | 85.0301% | 3,604 |
| Equity capital to assets | 9.6434% | 4,633 |
| Core capital (leverage) ratio | 7.7683% | 6,604 |
| Tier 1 risk-based capital ratio | 9.8518% | 7,137 |
| Total risk-based capital ratio | 11.1432% | 7,109 |
| Memoranda: | ||
| Average total assets | $131,095,250 | 4,298 |
| Average earning assets | $113,847,000 | 4,432 |
| Average equity | $14,314,500 | 4,130 |
| Average total loans | $102,967,500 | 3,765 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6129% | 2,088 |
| Cost of funding earning assets | 1.6062% | 2,619 |
| Net interest margin | 4.0067% | 2,984 |
| Noninterest income to average assets | -0.5219% | 7,751 |
| Noninterest expense to average assets | 2.7900% | 4,529 |
| Loan and lease loss provision to assets | 0.3474% | 3,638 |
| Net operating income to assets | -0.1050% | 6,239 |
| Return on assets (ROA) | -0.1050% | 6,310 |
| Pretax return on assets | -0.1776% | 6,319 |
| Return on Equity (ROE) | -0.9238% | 6,304 |
| Retained earnings to average equity (ytd only) | -0.9238% | 5,953 |
| Net charge-offs to loans | 1.3052% | 1,458 |
| Credit loss provision to net charge-offs | 32.9429% | 5,697 |
| Earnings coverage of net charge-offs (x) | 0.1611% | 5,560 |
| Efficiency ratio | 94.2619% | 1,054 |
| Assets per employee ($millions) | 4.4626% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1424% | 1,883 |
| Loan loss allowance to noncurrent loans | 39.7981% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 11.0975% | 319 |
| Noncurrent loans to loans | 5.3832% | 1,234 |
| Net loans and leases to total assets | 77.9301% | 1,128 |
| Net loans and leases to deposits | 92.9376% | 1,396 |
| Net loans and leases to core deposits | 117.9496% | 771 |
| Total domestic deposits to total assets | 83.8521% | 4,173 |
| Equity capital to assets | 11.3232% | 2,575 |
| Core capital (leverage) ratio | 10.3944% | 2,717 |
| Tier 1 risk-based capital ratio | 11.7483% | 5,542 |
| Total risk-based capital ratio | 13.0070% | 5,498 |
| Memoranda: | ||
| Average total assets | $129,536,330 | 4,364 |
| Average earning assets | $112,562,670 | 4,495 |
| Average equity | $14,721,670 | 4,045 |
| Average total loans | $104,659,330 | 3,752 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6340% | 2,014 |
| Cost of funding earning assets | 1.6219% | 2,821 |
| Net interest margin | 4.0121% | 2,828 |
| Noninterest income to average assets | -0.2130% | 7,808 |
| Noninterest expense to average assets | 2.5278% | 5,625 |
| Loan and lease loss provision to assets | 0.4630% | 2,651 |
| Net operating income to assets | 0.1667% | 5,799 |
| Return on assets (ROA) | 0.1667% | 5,925 |
| Pretax return on assets | 0.2778% | 5,667 |
| Return on Equity (ROE) | 1.4639% | 5,978 |
| Retained earnings to average equity (ytd only) | 1.4639% | 5,218 |
| Net charge-offs to loans | 1.9230% | 895 |
| Credit loss provision to net charge-offs | 29.5858% | 4,818 |
| Earnings coverage of net charge-offs (x) | 0.4734% | 4,600 |
| Efficiency ratio | 77.3371% | 3,009 |
| Assets per employee ($millions) | 4.2590% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2259% | 1,695 |
| Loan loss allowance to noncurrent loans | 35.7763% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 11.9299% | 263 |
| Noncurrent loans to loans | 6.2217% | 1,036 |
| Net loans and leases to total assets | 79.3803% | 929 |
| Net loans and leases to deposits | 95.0892% | 1,219 |
| Net loans and leases to core deposits | 120.5904% | 764 |
| Total domestic deposits to total assets | 83.4798% | 4,393 |
| Equity capital to assets | 11.5668% | 2,315 |
| Core capital (leverage) ratio | 10.7155% | 2,445 |
| Tier 1 risk-based capital ratio | 11.9659% | 5,231 |
| Total risk-based capital ratio | 13.2257% | 5,183 |
| Memoranda: | ||
| Average total assets | $129,596,500 | 4,421 |
| Average earning assets | $112,459,500 | 4,557 |
| Average equity | $14,755,500 | 4,068 |
| Average total loans | $105,458,000 | 3,792 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9566% | 2,028 |
| Cost of funding earning assets | 2.0860% | 2,536 |
| Net interest margin | 3.8706% | 3,394 |
| Noninterest income to average assets | 0.2133% | 6,578 |
| Noninterest expense to average assets | 2.9988% | 4,148 |
| Loan and lease loss provision to assets | 2.8993% | 622 |
| Net operating income to assets | -1.2950% | 6,760 |
| Return on assets (ROA) | -1.2950% | 6,763 |
| Pretax return on assets | -2.1712% | 7,004 |
| Return on Equity (ROE) | -11.6346% | 6,745 |
| Retained earnings to average equity (ytd only) | -11.6346% | 6,654 |
| Net charge-offs to loans | 2.8655% | 762 |
| Credit loss provision to net charge-offs | 121.2938% | 4,392 |
| Earnings coverage of net charge-offs (x) | 0.3046% | 5,814 |
| Efficiency ratio | 80.4648% | 2,811 |
| Assets per employee ($millions) | 4.5318% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4874% | 1,247 |
| Loan loss allowance to noncurrent loans | 47.9152% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 11.4958% | 280 |
| Noncurrent loans to loans | 5.1912% | 1,279 |
| Net loans and leases to total assets | 79.5270% | 1,083 |
| Net loans and leases to deposits | 94.8576% | 1,485 |
| Net loans and leases to core deposits | 117.4060% | 2,185 |
| Total domestic deposits to total assets | 83.8383% | 4,106 |
| Equity capital to assets | 11.2097% | 2,523 |
| Core capital (leverage) ratio | 10.2205% | 2,862 |
| Tier 1 risk-based capital ratio | 11.5838% | 5,309 |
| Total risk-based capital ratio | 12.8462% | 5,259 |
| Memoranda: | ||
| Average total assets | $139,689,800 | 4,131 |
| Average earning assets | $126,800,600 | 4,158 |
| Average equity | $15,548,400 | 3,954 |
| Average total loans | $116,523,600 | 3,557 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9753% | 2,131 |
| Cost of funding earning assets | 2.1521% | 2,635 |
| Net interest margin | 3.8232% | 3,562 |
| Noninterest income to average assets | 0.1693% | 6,997 |
| Noninterest expense to average assets | 2.9148% | 4,387 |
| Loan and lease loss provision to assets | 2.0222% | 888 |
| Net operating income to assets | -0.7543% | 6,651 |
| Return on assets (ROA) | -0.7543% | 6,661 |
| Pretax return on assets | -1.2622% | 6,846 |
| Return on Equity (ROE) | -6.7882% | 6,640 |
| Retained earnings to average equity (ytd only) | -6.7882% | 6,482 |
| Net charge-offs to loans | 1.6041% | 1,272 |
| Credit loss provision to net charge-offs | 150.3497% | 3,190 |
| Earnings coverage of net charge-offs (x) | 0.5650% | 5,469 |
| Efficiency ratio | 79.3192% | 2,950 |
| Assets per employee ($millions) | 4.4176% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3388% | 1,252 |
| Loan loss allowance to noncurrent loans | 39.1139% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 10.7824% | 293 |
| Noncurrent loans to loans | 5.9795% | 992 |
| Net loans and leases to total assets | 81.5643% | 885 |
| Net loans and leases to deposits | 98.2954% | 1,290 |
| Net loans and leases to core deposits | 123.4229% | 1,955 |
| Total domestic deposits to total assets | 82.9787% | 4,230 |
| Equity capital to assets | 11.4987% | 2,585 |
| Core capital (leverage) ratio | 10.8340% | 2,542 |
| Tier 1 risk-based capital ratio | 12.2185% | 4,770 |
| Total risk-based capital ratio | 13.4875% | 4,702 |
| Memoranda: | ||
| Average total assets | $141,756,750 | 4,102 |
| Average earning assets | $129,975,250 | 4,104 |
| Average equity | $15,752,500 | 3,958 |
| Average total loans | $118,859,000 | 3,535 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0411% | 2,014 |
| Cost of funding earning assets | 2.1800% | 2,883 |
| Net interest margin | 3.8611% | 3,285 |
| Noninterest income to average assets | 0.2609% | 6,409 |
| Noninterest expense to average assets | 2.9660% | 4,224 |
| Loan and lease loss provision to assets | 1.3253% | 1,302 |
| Net operating income to assets | -0.2790% | 6,303 |
| Return on assets (ROA) | -0.2790% | 6,318 |
| Pretax return on assets | -0.4576% | 6,378 |
| Return on Equity (ROE) | -2.5390% | 6,301 |
| Retained earnings to average equity (ytd only) | -2.5390% | 5,877 |
| Net charge-offs to loans | 1.6418% | 1,152 |
| Credit loss provision to net charge-offs | 96.1538% | 4,736 |
| Earnings coverage of net charge-offs (x) | 0.6296% | 5,074 |
| Efficiency ratio | 77.3654% | 3,445 |
| Assets per employee ($millions) | 4.4196% | 2,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 2,656 |
| Loan loss allowance to noncurrent loans | 48.2993% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 6.9697% | 612 |
| Noncurrent loans to loans | 3.3559% | 2,093 |
| Net loans and leases to total assets | 82.2700% | 906 |
| Net loans and leases to deposits | 106.9864% | 707 |
| Net loans and leases to core deposits | 179.9276% | 220 |
| Total domestic deposits to total assets | 76.8976% | 6,353 |
| Equity capital to assets | 11.5607% | 2,496 |
| Core capital (leverage) ratio | 11.0822% | 2,344 |
| Tier 1 risk-based capital ratio | 12.3603% | 4,633 |
| Total risk-based capital ratio | 13.6167% | 4,552 |
| Memoranda: | ||
| Average total assets | $143,360,330 | 4,108 |
| Average earning assets | $132,657,670 | 4,090 |
| Average equity | $15,754,330 | 3,968 |
| Average total loans | $120,354,000 | 3,526 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9134% | 2,736 |
| Cost of funding earning assets | 2.2194% | 3,064 |
| Net interest margin | 3.6940% | 3,914 |
| Noninterest income to average assets | 0.2245% | 6,673 |
| Noninterest expense to average assets | 3.1124% | 3,331 |
| Loan and lease loss provision to assets | 1.5243% | 822 |
| Net operating income to assets | -0.5765% | 6,948 |
| Return on assets (ROA) | -0.5765% | 6,993 |
| Pretax return on assets | -0.9617% | 7,135 |
| Return on Equity (ROE) | -5.3828% | 7,008 |
| Retained earnings to average equity (ytd only) | -5.3828% | 6,608 |
| Net charge-offs to loans | 0.9720% | 1,381 |
| Credit loss provision to net charge-offs | 186.4407% | 2,348 |
| Earnings coverage of net charge-offs (x) | 0.6881% | 4,457 |
| Efficiency ratio | 84.6908% | 2,224 |
| Assets per employee ($millions) | 4.6359% | 2,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8396% | 1,760 |
| Loan loss allowance to noncurrent loans | 26.7814% | 6,782 |
| Noncurrent assets plus other real estate owned to assets | 7.5846% | 414 |
| Noncurrent loans to loans | 6.8691% | 599 |
| Net loans and leases to total assets | 82.0544% | 1,008 |
| Net loans and leases to deposits | 107.4421% | 760 |
| Net loans and leases to core deposits | 177.4544% | 265 |
| Total domestic deposits to total assets | 76.3708% | 6,439 |
| Equity capital to assets | 11.3755% | 2,671 |
| Core capital (leverage) ratio | 10.9421% | 2,547 |
| Tier 1 risk-based capital ratio | 12.4422% | 4,578 |
| Total risk-based capital ratio | 13.6988% | 4,499 |
| Memoranda: | ||
| Average total assets | $144,327,000 | 4,108 |
| Average earning assets | $134,813,000 | 4,056 |
| Average equity | $15,456,500 | 4,048 |
| Average total loans | $121,396,500 | 3,525 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8326% | 1,574 |
| Cost of funding earning assets | 2.9537% | 2,044 |
| Net interest margin | 3.8789% | 3,665 |
| Noninterest income to average assets | 0.2441% | 6,697 |
| Noninterest expense to average assets | 2.9373% | 4,314 |
| Loan and lease loss provision to assets | 0.8385% | 1,780 |
| Net operating income to assets | 0.0712% | 6,178 |
| Return on assets (ROA) | 0.0721% | 6,026 |
| Pretax return on assets | 0.1285% | 5,887 |
| Return on Equity (ROE) | 0.6866% | 6,015 |
| Retained earnings to average equity (ytd only) | 0.6866% | 4,818 |
| Net charge-offs to loans | 0.4491% | 2,583 |
| Credit loss provision to net charge-offs | 215.9926% | 2,231 |
| Earnings coverage of net charge-offs (x) | 2.4871% | 4,829 |
| Efficiency ratio | 75.2606% | 3,366 |
| Assets per employee ($millions) | 4.5294% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5938% | 2,272 |
| Loan loss allowance to noncurrent loans | 29.0275% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 6.1500% | 473 |
| Noncurrent loans to loans | 5.4907% | 743 |
| Net loans and leases to total assets | 83.2788% | 998 |
| Net loans and leases to deposits | 107.6809% | 996 |
| Net loans and leases to core deposits | 156.8384% | 648 |
| Total domestic deposits to total assets | 77.3385% | 5,909 |
| Equity capital to assets | 10.0488% | 3,975 |
| Core capital (leverage) ratio | 10.1839% | 3,287 |
| Tier 1 risk-based capital ratio | 10.7631% | 5,946 |
| Total risk-based capital ratio | 12.0162% | 5,851 |
| Memoranda: | ||
| Average total assets | $140,128,800 | 4,080 |
| Average earning assets | $132,175,400 | 4,005 |
| Average equity | $14,710,400 | 4,189 |
| Average total loans | $121,140,200 | 3,441 |