Home > Canyon Community Bank > Performance and Condition Ratios
Canyon Community 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 | 5.3200% | 1,054 |
| Cost of funding earning assets | 1.0119% | 2,565 |
| Net interest margin | 4.3081% | 796 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 5.8989% | 175 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | -1.6149% | 4,621 |
| Return on assets (ROA) | -1.6149% | 4,618 |
| Pretax return on assets | -1.6149% | 4,610 |
| Return on Equity (ROE) | -14.1100% | 4,597 |
| Retained earnings to average equity (ytd only) | -14.1144% | 4,554 |
| Net charge-offs to loans | -0.0017% | 3,511 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 138.6458% | 48 |
| Assets per employee ($millions) | 7.8447% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 4,111 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 54.1700% | 3,263 |
| Net loans and leases to deposits | 67.9453% | 2,923 |
| Net loans and leases to core deposits | 71.7098% | 3,027 |
| Total domestic deposits to total assets | 79.7300% | 3,613 |
| Equity capital to assets | 10.8501% | 1,445 |
| Core capital (leverage) ratio | 10.9122% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.3448% | 231 |
| Memoranda: | ||
| Average total assets | $204,104,333 | 2,975 |
| Average earning assets | $198,044,333 | 2,902 |
| Average equity | $23,352,000 | 2,605 |
| Average total loans | $116,153,667 | 2,995 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 1,586 |
| Cost of funding earning assets | 0.7788% | 2,808 |
| Net interest margin | 4.0390% | 1,195 |
| Noninterest income to average assets | 0.0600% | 4,506 |
| Noninterest expense to average assets | 3.4402% | 579 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.4388% | 4,021 |
| Return on assets (ROA) | 0.4388% | 3,973 |
| Pretax return on assets | 0.4388% | 4,070 |
| Return on Equity (ROE) | 3.7400% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.7391% | 3,340 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.4599% | 490 |
| Assets per employee ($millions) | 7.8038% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7465% | 4,183 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.4800% | 2,911 |
| Net loans and leases to deposits | 71.4379% | 2,509 |
| Net loans and leases to core deposits | 74.8376% | 2,614 |
| Total domestic deposits to total assets | 80.4700% | 3,710 |
| Equity capital to assets | 11.5020% | 1,153 |
| Core capital (leverage) ratio | 12.4843% | 1,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6528% | 196 |
| Memoranda: | ||
| Average total assets | $204,175,500 | 3,008 |
| Average earning assets | $198,265,500 | 2,941 |
| Average equity | $23,963,000 | 2,603 |
| Average total loans | $118,568,000 | 2,994 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8987% | 1,987 |
| Cost of funding earning assets | 0.3442% | 2,525 |
| Net interest margin | 3.5546% | 1,770 |
| Noninterest income to average assets | 0.0600% | 4,553 |
| Noninterest expense to average assets | 2.4497% | 2,269 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0005% | 2,563 |
| Return on assets (ROA) | 1.0005% | 2,512 |
| Pretax return on assets | 1.0005% | 3,075 |
| Return on Equity (ROE) | 9.6100% | 2,939 |
| Retained earnings to average equity (ytd only) | 9.6058% | 1,276 |
| Net charge-offs to loans | -0.0009% | 3,346 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.6155% | 1,743 |
| Assets per employee ($millions) | 6.8154% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7072% | 4,203 |
| Loan loss allowance to noncurrent loans | 10.4614% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 3.9368% | 26 |
| Noncurrent loans to loans | 6.7598% | 34 |
| Net loans and leases to total assets | 57.8300% | 2,837 |
| Net loans and leases to deposits | 66.4726% | 2,859 |
| Net loans and leases to core deposits | 67.6779% | 3,032 |
| Total domestic deposits to total assets | 86.9900% | 2,394 |
| Equity capital to assets | 11.9865% | 939 |
| Core capital (leverage) ratio | 11.6011% | 1,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.8628% | 172 |
| Memoranda: | ||
| Average total assets | $189,210,000 | 3,109 |
| Average earning assets | $184,213,200 | 3,041 |
| Average equity | $19,706,800 | 2,978 |
| Average total loans | $110,608,000 | 3,020 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5662% | 2,431 |
| Cost of funding earning assets | 0.2084% | 3,171 |
| Net interest margin | 3.3578% | 2,112 |
| Noninterest income to average assets | 0.0400% | 4,631 |
| Noninterest expense to average assets | 2.6780% | 1,516 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.5444% | 3,981 |
| Return on assets (ROA) | 0.5444% | 3,923 |
| Pretax return on assets | 0.5444% | 4,081 |
| Return on Equity (ROE) | 5.4400% | 3,898 |
| Retained earnings to average equity (ytd only) | 5.4441% | 2,940 |
| Net charge-offs to loans | -0.0012% | 3,202 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.7825% | 725 |
| Assets per employee ($millions) | 7.7544% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 4,211 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.3700% | 3,503 |
| Net loans and leases to deposits | 55.4194% | 3,525 |
| Net loans and leases to core deposits | 55.4194% | 3,664 |
| Total domestic deposits to total assets | 89.0800% | 2,057 |
| Equity capital to assets | 9.9970% | 1,627 |
| Core capital (leverage) ratio | 10.7969% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5049% | 174 |
| Memoranda: | ||
| Average total assets | $187,100,500 | 3,152 |
| Average earning assets | $182,335,750 | 3,076 |
| Average equity | $18,710,750 | 3,098 |
| Average total loans | $109,483,250 | 3,044 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3776% | 2,498 |
| Cost of funding earning assets | 0.1719% | 3,288 |
| Net interest margin | 3.2056% | 2,168 |
| Noninterest income to average assets | 0.1387% | 4,323 |
| Noninterest expense to average assets | 2.7517% | 1,263 |
| Loan and lease loss provision to assets | 0.0802% | 1,217 |
| Net operating income to assets | 0.4263% | 4,064 |
| Return on assets (ROA) | 0.4263% | 4,012 |
| Pretax return on assets | 0.4263% | 4,114 |
| Return on Equity (ROE) | 4.2626% | 3,973 |
| Retained earnings to average equity (ytd only) | 4.2626% | 2,991 |
| Net charge-offs to loans | -0.0018% | 3,119 |
| Credit loss provision to net charge-offs | -7,000.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4530% | 654 |
| Assets per employee ($millions) | 6.2296% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 4,340 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 55.7459% | 2,784 |
| Net loans and leases to deposits | 62.3796% | 2,860 |
| Net loans and leases to core deposits | 62.3796% | 3,084 |
| Total domestic deposits to total assets | 89.3656% | 2,016 |
| Equity capital to assets | 9.6847% | 1,891 |
| Core capital (leverage) ratio | 10.8922% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3112% | 188 |
| Memoranda: | ||
| Average total assets | $174,508,333 | 3,292 |
| Average earning assets | $169,825,333 | 3,217 |
| Average equity | $17,454,000 | 3,277 |
| Average total loans | $108,701,667 | 3,081 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 2,775 |
| Cost of funding earning assets | 0.1719% | 3,195 |
| Net interest margin | 2.9989% | 2,508 |
| Noninterest income to average assets | 0.1477% | 4,268 |
| Noninterest expense to average assets | 2.6295% | 1,527 |
| Loan and lease loss provision to assets | 0.0242% | 1,926 |
| Net operating income to assets | 0.4092% | 3,933 |
| Return on assets (ROA) | 0.4092% | 3,897 |
| Pretax return on assets | 0.4092% | 4,017 |
| Return on Equity (ROE) | 4.0168% | 3,876 |
| Retained earnings to average equity (ytd only) | 4.0168% | 2,930 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8498% | 747 |
| Assets per employee ($millions) | 5.8654% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6302% | 4,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 64.2449% | 1,593 |
| Net loans and leases to deposits | 77.7873% | 1,303 |
| Net loans and leases to core deposits | 77.7873% | 1,629 |
| Total domestic deposits to total assets | 82.5904% | 4,005 |
| Equity capital to assets | 11.0573% | 1,304 |
| Core capital (leverage) ratio | 12.1924% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0820% | 92 |
| Memoranda: | ||
| Average total assets | $165,203,000 | 3,380 |
| Average earning assets | $160,594,000 | 3,322 |
| Average equity | $16,829,500 | 3,412 |
| Average total loans | $108,847,500 | 3,076 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 2,312 |
| Cost of funding earning assets | 0.1545% | 3,920 |
| Net interest margin | 3.4742% | 1,810 |
| Noninterest income to average assets | 0.2120% | 4,102 |
| Noninterest expense to average assets | 2.8044% | 1,350 |
| Loan and lease loss provision to assets | 0.0068% | 2,942 |
| Net operating income to assets | 0.7214% | 3,565 |
| Return on assets (ROA) | 0.7214% | 3,628 |
| Pretax return on assets | 0.7214% | 3,884 |
| Return on Equity (ROE) | 7.7011% | 3,319 |
| Retained earnings to average equity (ytd only) | 7.7011% | 1,659 |
| Net charge-offs to loans | -0.0010% | 3,280 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3864% | 844 |
| Assets per employee ($millions) | 5.7254% | 3,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6340% | 4,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 66.7713% | 1,401 |
| Net loans and leases to deposits | 79.7611% | 1,238 |
| Net loans and leases to core deposits | 79.7611% | 1,613 |
| Total domestic deposits to total assets | 83.7141% | 3,633 |
| Equity capital to assets | 9.2639% | 3,356 |
| Core capital (leverage) ratio | 10.6109% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.4527% | 194 |
| Memoranda: | ||
| Average total assets | $147,622,600 | 3,506 |
| Average earning assets | $141,096,800 | 3,461 |
| Average equity | $13,829,200 | 3,759 |
| Average total loans | $103,571,800 | 3,152 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 2,287 |
| Cost of funding earning assets | 0.1601% | 4,013 |
| Net interest margin | 3.5358% | 1,768 |
| Noninterest income to average assets | 0.2981% | 3,657 |
| Noninterest expense to average assets | 2.9527% | 1,044 |
| Loan and lease loss provision to assets | 0.0090% | 2,810 |
| Net operating income to assets | 0.6996% | 3,768 |
| Return on assets (ROA) | 0.6996% | 3,834 |
| Pretax return on assets | 0.6996% | 4,065 |
| Return on Equity (ROE) | 7.4456% | 3,549 |
| Retained earnings to average equity (ytd only) | 7.4456% | 2,252 |
| Net charge-offs to loans | -0.0013% | 3,157 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6403% | 710 |
| Assets per employee ($millions) | 5.8450% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6948% | 4,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.8022% | 1,451 |
| Net loans and leases to deposits | 81.7825% | 1,128 |
| Net loans and leases to core deposits | 81.7825% | 1,587 |
| Total domestic deposits to total assets | 81.6827% | 3,982 |
| Equity capital to assets | 9.9881% | 2,912 |
| Core capital (leverage) ratio | 11.1197% | 1,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.5080% | 161 |
| Memoranda: | ||
| Average total assets | $144,450,750 | 3,575 |
| Average earning assets | $137,408,750 | 3,537 |
| Average equity | $13,573,750 | 3,829 |
| Average total loans | $102,533,750 | 3,210 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6036% | 2,609 |
| Cost of funding earning assets | 0.1682% | 4,057 |
| Net interest margin | 3.4354% | 2,047 |
| Noninterest income to average assets | 0.2933% | 3,670 |
| Noninterest expense to average assets | 2.7618% | 1,438 |
| Loan and lease loss provision to assets | 0.0139% | 2,678 |
| Net operating income to assets | 0.7825% | 3,558 |
| Return on assets (ROA) | 0.7825% | 3,624 |
| Pretax return on assets | 0.7825% | 3,905 |
| Return on Equity (ROE) | 8.5088% | 3,259 |
| Retained earnings to average equity (ytd only) | 8.5088% | 1,890 |
| Net charge-offs to loans | -0.0019% | 3,194 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6172% | 944 |
| Assets per employee ($millions) | 5.2640% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6722% | 4,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.0066% | 1,081 |
| Net loans and leases to deposits | 90.4594% | 621 |
| Net loans and leases to core deposits | 90.4594% | 1,109 |
| Total domestic deposits to total assets | 78.4956% | 4,386 |
| Equity capital to assets | 10.1527% | 2,721 |
| Core capital (leverage) ratio | 10.7111% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3507% | 170 |
| Memoranda: | ||
| Average total assets | $143,893,000 | 3,589 |
| Average earning assets | $136,750,667 | 3,553 |
| Average equity | $13,233,333 | 3,871 |
| Average total loans | $103,946,000 | 3,207 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5868% | 2,683 |
| Cost of funding earning assets | 0.1716% | 4,150 |
| Net interest margin | 3.4152% | 2,070 |
| Noninterest income to average assets | 0.2017% | 4,175 |
| Noninterest expense to average assets | 2.9066% | 1,142 |
| Loan and lease loss provision to assets | 0.0276% | 2,423 |
| Net operating income to assets | 0.5111% | 4,153 |
| Return on assets (ROA) | 0.5111% | 4,188 |
| Pretax return on assets | 0.5111% | 4,326 |
| Return on Equity (ROE) | 5.8567% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.8567% | 2,941 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3625% | 578 |
| Assets per employee ($millions) | 6.0879% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6245% | 4,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 71.3071% | 1,114 |
| Net loans and leases to deposits | 93.5578% | 516 |
| Net loans and leases to core deposits | 93.5788% | 1,009 |
| Total domestic deposits to total assets | 76.2172% | 4,572 |
| Equity capital to assets | 9.2347% | 3,466 |
| Core capital (leverage) ratio | 11.5076% | 1,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5520% | 200 |
| Memoranda: | ||
| Average total assets | $144,775,000 | 3,578 |
| Average earning assets | $137,504,000 | 3,547 |
| Average equity | $12,635,000 | 3,938 |
| Average total loans | $105,117,000 | 3,198 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0744% | 4,582 |
| Cost of funding earning assets | 0.2038% | 4,571 |
| Net interest margin | 2.8706% | 4,165 |
| Noninterest income to average assets | 0.2280% | 4,136 |
| Noninterest expense to average assets | 3.2382% | 990 |
| Loan and lease loss provision to assets | 0.1789% | 2,154 |
| Net operating income to assets | -0.5086% | 4,882 |
| Return on assets (ROA) | -0.5086% | 4,886 |
| Pretax return on assets | -0.5086% | 4,878 |
| Return on Equity (ROE) | -5.1273% | 4,895 |
| Retained earnings to average equity (ytd only) | -5.1273% | 4,833 |
| Net charge-offs to loans | -0.0015% | 3,962 |
| Credit loss provision to net charge-offs | -20,400.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3355% | 115 |
| Assets per employee ($millions) | 6.2433% | 2,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6652% | 4,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.0619% | 1,151 |
| Net loans and leases to deposits | 93.9397% | 660 |
| Net loans and leases to core deposits | 95.0834% | 1,177 |
| Total domestic deposits to total assets | 77.7754% | 4,341 |
| Equity capital to assets | 8.1652% | 4,636 |
| Core capital (leverage) ratio | 9.9203% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.9714% | 391 |
| Memoranda: | ||
| Average total assets | $114,045,200 | 3,822 |
| Average earning assets | $106,492,800 | 3,820 |
| Average equity | $11,312,000 | 4,045 |
| Average total loans | $68,656,400 | 3,766 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8132% | 4,826 |
| Cost of funding earning assets | 0.2015% | 4,671 |
| Net interest margin | 2.6117% | 4,559 |
| Noninterest income to average assets | 0.2156% | 4,193 |
| Noninterest expense to average assets | 3.2785% | 940 |
| Loan and lease loss provision to assets | 0.1220% | 2,807 |
| Net operating income to assets | -0.7577% | 4,923 |
| Return on assets (ROA) | -0.7577% | 4,932 |
| Pretax return on assets | -0.7577% | 4,920 |
| Return on Equity (ROE) | -7.2333% | 4,941 |
| Retained earnings to average equity (ytd only) | -7.2333% | 4,891 |
| Net charge-offs to loans | -0.0022% | 3,897 |
| Credit loss provision to net charge-offs | -9,900.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.0559% | 67 |
| Assets per employee ($millions) | 5.9765% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6777% | 4,609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 66.2059% | 2,495 |
| Net loans and leases to deposits | 92.8901% | 1,008 |
| Net loans and leases to core deposits | 93.3042% | 1,689 |
| Total domestic deposits to total assets | 71.2733% | 4,707 |
| Equity capital to assets | 8.9174% | 4,172 |
| Core capital (leverage) ratio | 10.8388% | 1,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4771% | 293 |
| Memoranda: | ||
| Average total assets | $108,218,500 | 3,898 |
| Average earning assets | $100,570,250 | 3,884 |
| Average equity | $11,336,250 | 4,055 |
| Average total loans | $60,564,500 | 3,924 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8702% | 4,886 |
| Cost of funding earning assets | 0.2068% | 4,749 |
| Net interest margin | 2.6633% | 4,594 |
| Noninterest income to average assets | 0.2089% | 4,235 |
| Noninterest expense to average assets | 3.4161% | 836 |
| Loan and lease loss provision to assets | 0.1113% | 2,898 |
| Net operating income to assets | -0.8550% | 4,953 |
| Return on assets (ROA) | -0.8550% | 4,948 |
| Pretax return on assets | -0.8550% | 4,938 |
| Return on Equity (ROE) | -7.6948% | 4,964 |
| Retained earnings to average equity (ytd only) | -7.6948% | 4,869 |
| Net charge-offs to loans | -0.0038% | 3,930 |
| Credit loss provision to net charge-offs | -5,600.0000% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.8305% | 70 |
| Assets per employee ($millions) | 5.9709% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6909% | 4,585 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 63.0751% | 2,995 |
| Net loans and leases to deposits | 79.0179% | 2,538 |
| Net loans and leases to core deposits | 79.3467% | 2,997 |
| Total domestic deposits to total assets | 79.8238% | 3,872 |
| Equity capital to assets | 9.5011% | 3,661 |
| Core capital (leverage) ratio | 10.1685% | 2,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1609% | 236 |
| Memoranda: | ||
| Average total assets | $102,455,667 | 3,961 |
| Average earning assets | $94,768,333 | 3,956 |
| Average equity | $11,384,333 | 4,062 |
| Average total loans | $52,866,000 | 4,082 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0020% | 4,956 |
| Cost of funding earning assets | 0.2270% | 4,826 |
| Net interest margin | 2.7750% | 4,592 |
| Noninterest income to average assets | 0.2171% | 4,253 |
| Noninterest expense to average assets | 3.5158% | 913 |
| Loan and lease loss provision to assets | 0.2426% | 1,283 |
| Net operating income to assets | -0.9918% | 4,989 |
| Return on assets (ROA) | -0.9918% | 4,970 |
| Pretax return on assets | -0.9918% | 4,956 |
| Return on Equity (ROE) | -8.1729% | 4,979 |
| Retained earnings to average equity (ytd only) | -8.1729% | 4,698 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.0769% | 85 |
| Assets per employee ($millions) | 4.4262% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 46.3061% | 4,411 |
| Net loans and leases to deposits | 53.8341% | 4,453 |
| Net loans and leases to core deposits | 54.1001% | 4,566 |
| Total domestic deposits to total assets | 86.0163% | 1,997 |
| Equity capital to assets | 12.1774% | 1,940 |
| Core capital (leverage) ratio | 12.0708% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8222% | 252 |
| Memoranda: | ||
| Average total assets | $93,974,500 | 4,077 |
| Average earning assets | $86,343,500 | 4,074 |
| Average equity | $11,403,500 | 4,079 |
| Average total loans | $41,375,500 | 4,341 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1477% | 5,014 |
| Cost of funding earning assets | 0.2368% | 4,883 |
| Net interest margin | 2.9108% | 4,642 |
| Noninterest income to average assets | 0.3201% | 3,776 |
| Noninterest expense to average assets | 3.4299% | 1,062 |
| Loan and lease loss provision to assets | -0.0790% | 5,049 |
| Net operating income to assets | -0.3517% | 5,039 |
| Return on assets (ROA) | -0.3528% | 5,046 |
| Pretax return on assets | -0.3528% | 5,043 |
| Return on Equity (ROE) | -2.9016% | 5,045 |
| Retained earnings to average equity (ytd only) | -2.9016% | 4,907 |
| Net charge-offs to loans | -0.0053% | 4,356 |
| Credit loss provision to net charge-offs | 3,750.0000% | 114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3610% | 90 |
| Assets per employee ($millions) | 5.2777% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 2,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 40.7588% | 4,706 |
| Net loans and leases to deposits | 48.2186% | 4,739 |
| Net loans and leases to core deposits | 48.6603% | 4,779 |
| Total domestic deposits to total assets | 84.5291% | 2,669 |
| Equity capital to assets | 12.0929% | 2,082 |
| Core capital (leverage) ratio | 12.1050% | 1,713 |
| Tier 1 risk-based capital ratio | 34.1808% | 351 |
| Total risk-based capital ratio | 35.4327% | 342 |
| Memoranda: | ||
| Average total assets | $94,960,000 | 4,076 |
| Average earning assets | $87,397,600 | 4,076 |
| Average equity | $11,545,200 | 4,048 |
| Average total loans | $38,000,000 | 4,449 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1749% | 5,099 |
| Cost of funding earning assets | 0.2367% | 4,959 |
| Net interest margin | 2.9382% | 4,711 |
| Noninterest income to average assets | 0.1769% | 4,661 |
| Noninterest expense to average assets | 3.2872% | 1,299 |
| Loan and lease loss provision to assets | -0.1053% | 5,165 |
| Net operating income to assets | -0.3033% | 5,117 |
| Return on assets (ROA) | -0.3047% | 5,124 |
| Pretax return on assets | -0.3047% | 5,117 |
| Return on Equity (ROE) | -2.5030% | 5,128 |
| Retained earnings to average equity (ytd only) | -2.5030% | 4,962 |
| Net charge-offs to loans | -0.0035% | 4,131 |
| Credit loss provision to net charge-offs | 7,500.0000% | 52 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.1951% | 92 |
| Assets per employee ($millions) | 5.0742% | 2,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 2,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 40.2940% | 4,806 |
| Net loans and leases to deposits | 47.6604% | 4,829 |
| Net loans and leases to core deposits | 47.8565% | 4,878 |
| Total domestic deposits to total assets | 84.5440% | 2,607 |
| Equity capital to assets | 12.0258% | 2,241 |
| Core capital (leverage) ratio | 12.0480% | 1,818 |
| Tier 1 risk-based capital ratio | 34.4174% | 362 |
| Total risk-based capital ratio | 35.6682% | 352 |
| Memoranda: | ||
| Average total assets | $94,950,500 | 4,120 |
| Average earning assets | $87,308,250 | 4,128 |
| Average equity | $11,559,500 | 4,088 |
| Average total loans | $37,703,500 | 4,512 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1311% | 5,174 |
| Cost of funding earning assets | 0.2327% | 5,002 |
| Net interest margin | 2.8984% | 4,824 |
| Noninterest income to average assets | 0.1715% | 4,727 |
| Noninterest expense to average assets | 3.2436% | 1,421 |
| Loan and lease loss provision to assets | -0.1588% | 5,235 |
| Net operating income to assets | -0.2498% | 5,158 |
| Return on assets (ROA) | -0.2498% | 5,163 |
| Pretax return on assets | -0.2498% | 5,156 |
| Return on Equity (ROE) | -2.0436% | 5,163 |
| Retained earnings to average equity (ytd only) | -2.0436% | 4,911 |
| Net charge-offs to loans | -0.0054% | 4,144 |
| Credit loss provision to net charge-offs | 7,500.0000% | 41 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.4137% | 85 |
| Assets per employee ($millions) | 4.8981% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3116% | 1,965 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 37.6777% | 4,923 |
| Net loans and leases to deposits | 44.9412% | 4,930 |
| Net loans and leases to core deposits | 45.3082% | 4,976 |
| Total domestic deposits to total assets | 83.8378% | 2,937 |
| Equity capital to assets | 12.5281% | 1,838 |
| Core capital (leverage) ratio | 12.5345% | 1,521 |
| Tier 1 risk-based capital ratio | 39.8291% | 236 |
| Total risk-based capital ratio | 41.0821% | 231 |
| Memoranda: | ||
| Average total assets | $94,464,330 | 4,153 |
| Average earning assets | $86,807,670 | 4,158 |
| Average equity | $11,548,000 | 4,105 |
| Average total loans | $37,167,000 | 4,567 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2528% | 5,193 |
| Cost of funding earning assets | 0.2242% | 5,056 |
| Net interest margin | 3.0286% | 4,708 |
| Noninterest income to average assets | 0.1555% | 4,809 |
| Noninterest expense to average assets | 3.1062% | 1,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1681% | 5,199 |
| Return on assets (ROA) | -0.1681% | 5,197 |
| Pretax return on assets | -0.1681% | 5,191 |
| Return on Equity (ROE) | -1.3922% | 5,201 |
| Retained earnings to average equity (ytd only) | -1.3922% | 4,697 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7225% | 128 |
| Assets per employee ($millions) | 4.3400% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 38.9122% | 4,923 |
| Net loans and leases to deposits | 45.8283% | 4,935 |
| Net loans and leases to core deposits | 46.3705% | 4,979 |
| Total domestic deposits to total assets | 84.9087% | 2,712 |
| Equity capital to assets | 12.0707% | 1,979 |
| Core capital (leverage) ratio | 12.3670% | 1,576 |
| Tier 1 risk-based capital ratio | 37.0205% | 276 |
| Total risk-based capital ratio | 38.2773% | 271 |
| Memoranda: | ||
| Average total assets | $95,165,000 | 4,179 |
| Average earning assets | $87,433,000 | 4,193 |
| Average equity | $11,492,500 | 4,129 |
| Average total loans | $37,985,500 | 4,595 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8197% | 5,287 |
| Cost of funding earning assets | 0.1846% | 5,061 |
| Net interest margin | 2.6351% | 5,136 |
| Noninterest income to average assets | 0.2321% | 4,522 |
| Noninterest expense to average assets | 3.3894% | 1,170 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.8075% | 5,334 |
| Return on assets (ROA) | -0.8096% | 5,328 |
| Pretax return on assets | -0.7466% | 5,325 |
| Return on Equity (ROE) | -6.5469% | 5,325 |
| Retained earnings to average equity (ytd only) | -6.5469% | 5,271 |
| Net charge-offs to loans | -0.2691% | 5,301 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.1461% | 45 |
| Assets per employee ($millions) | 4.3114% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 1,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 39.7866% | 4,954 |
| Net loans and leases to deposits | 46.5901% | 4,972 |
| Net loans and leases to core deposits | 47.5937% | 4,995 |
| Total domestic deposits to total assets | 85.3971% | 2,470 |
| Equity capital to assets | 12.0821% | 1,833 |
| Core capital (leverage) ratio | 12.5233% | 1,443 |
| Tier 1 risk-based capital ratio | 35.8193% | 301 |
| Total risk-based capital ratio | 37.0733% | 297 |
| Memoranda: | ||
| Average total assets | $95,236,800 | 4,181 |
| Average earning assets | $87,208,800 | 4,201 |
| Average equity | $11,776,600 | 4,051 |
| Average total loans | $29,724,000 | 4,823 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6468% | 5,390 |
| Cost of funding earning assets | 0.1788% | 5,099 |
| Net interest margin | 2.4680% | 5,293 |
| Noninterest income to average assets | 0.2433% | 4,521 |
| Noninterest expense to average assets | 3.3594% | 1,178 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.8573% | 5,416 |
| Return on assets (ROA) | -0.8601% | 5,410 |
| Pretax return on assets | -0.8601% | 5,408 |
| Return on Equity (ROE) | -6.9163% | 5,406 |
| Retained earnings to average equity (ytd only) | -6.9163% | 5,351 |
| Net charge-offs to loans | -0.0048% | 4,222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.2650% | 37 |
| Assets per employee ($millions) | 3.9091% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 2,240 |
| Loan loss allowance to noncurrent loans | 286.3354% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 4,094 |
| Noncurrent loans to loans | 0.4445% | 3,064 |
| Net loans and leases to total assets | 38.1138% | 5,078 |
| Net loans and leases to deposits | 43.9115% | 5,114 |
| Net loans and leases to core deposits | 44.8500% | 5,140 |
| Total domestic deposits to total assets | 86.7969% | 1,825 |
| Equity capital to assets | 12.1958% | 1,772 |
| Core capital (leverage) ratio | 12.6906% | 1,424 |
| Tier 1 risk-based capital ratio | 36.3683% | 292 |
| Total risk-based capital ratio | 37.6193% | 285 |
| Memoranda: | ||
| Average total assets | $95,333,250 | 4,220 |
| Average earning assets | $87,246,500 | 4,242 |
| Average equity | $11,855,750 | 4,088 |
| Average total loans | $27,585,500 | 4,927 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5679% | 5,464 |
| Cost of funding earning assets | 0.1802% | 5,109 |
| Net interest margin | 2.3877% | 5,387 |
| Noninterest income to average assets | 0.2629% | 4,430 |
| Noninterest expense to average assets | 3.2388% | 1,455 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.7909% | 5,463 |
| Return on assets (ROA) | -0.7909% | 5,457 |
| Pretax return on assets | -0.7909% | 5,457 |
| Return on Equity (ROE) | -6.3200% | 5,453 |
| Retained earnings to average equity (ytd only) | -6.3200% | 5,339 |
| Net charge-offs to loans | -0.0081% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.3103% | 48 |
| Assets per employee ($millions) | 4.1479% | 3,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 541 |
| Loan loss allowance to noncurrent loans | 254.6961% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 4,033 |
| Noncurrent loans to loans | 0.7750% | 2,186 |
| Net loans and leases to total assets | 23.9987% | 5,413 |
| Net loans and leases to deposits | 27.8491% | 5,417 |
| Net loans and leases to core deposits | 28.4008% | 5,419 |
| Total domestic deposits to total assets | 86.1741% | 2,203 |
| Equity capital to assets | 12.2881% | 1,671 |
| Core capital (leverage) ratio | 12.3884% | 1,495 |
| Tier 1 risk-based capital ratio | 39.1871% | 240 |
| Total risk-based capital ratio | 40.4417% | 238 |
| Memoranda: | ||
| Average total assets | $95,838,000 | 4,250 |
| Average earning assets | $87,697,670 | 4,261 |
| Average equity | $11,993,670 | 4,080 |
| Average total loans | $24,707,670 | 5,065 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5330% | 5,528 |
| Cost of funding earning assets | 0.1777% | 5,125 |
| Net interest margin | 2.3553% | 5,457 |
| Noninterest income to average assets | 0.3206% | 4,012 |
| Noninterest expense to average assets | 3.1232% | 1,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.6496% | 5,514 |
| Return on assets (ROA) | -0.6496% | 5,512 |
| Pretax return on assets | -0.6496% | 5,508 |
| Return on Equity (ROE) | -5.1447% | 5,500 |
| Retained earnings to average equity (ytd only) | -5.1447% | 5,212 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.2626% | 55 |
| Assets per employee ($millions) | 4.1405% | 3,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9782% | 568 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 0.1932% | 4,116 |
| Noncurrent loans to loans | 0.7913% | 2,231 |
| Net loans and leases to total assets | 23.9342% | 5,467 |
| Net loans and leases to deposits | 27.8524% | 5,474 |
| Net loans and leases to core deposits | 28.3965% | 5,476 |
| Total domestic deposits to total assets | 85.9322% | 2,572 |
| Equity capital to assets | 12.5546% | 1,449 |
| Core capital (leverage) ratio | 11.7440% | 1,818 |
| Tier 1 risk-based capital ratio | 35.6893% | 315 |
| Total risk-based capital ratio | 36.9427% | 314 |
| Memoranda: | ||
| Average total assets | $96,056,500 | 4,287 |
| Average earning assets | $87,800,500 | 4,306 |
| Average equity | $12,129,000 | 4,101 |
| Average total loans | $25,383,500 | 5,094 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8408% | 5,442 |
| Cost of funding earning assets | 0.1669% | 5,177 |
| Net interest margin | 2.6739% | 5,298 |
| Noninterest income to average assets | 0.2746% | 4,485 |
| Noninterest expense to average assets | 3.2889% | 1,399 |
| Loan and lease loss provision to assets | -0.4943% | 5,651 |
| Net operating income to assets | -0.0912% | 5,415 |
| Return on assets (ROA) | -0.1066% | 5,424 |
| Pretax return on assets | -0.1066% | 5,471 |
| Return on Equity (ROE) | -0.7873% | 5,417 |
| Retained earnings to average equity (ytd only) | -0.7873% | 5,160 |
| Net charge-offs to loans | -0.8860% | 5,626 |
| Credit loss provision to net charge-offs | 182.9268% | 1,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6579% | 63 |
| Assets per employee ($millions) | 3.8752% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6719% | 992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 27.9250% | 5,470 |
| Net loans and leases to deposits | 32.6416% | 5,485 |
| Net loans and leases to core deposits | 33.2678% | 5,497 |
| Total domestic deposits to total assets | 85.5503% | 2,633 |
| Equity capital to assets | 12.6981% | 1,409 |
| Core capital (leverage) ratio | 13.0254% | 1,133 |
| Tier 1 risk-based capital ratio | 35.3014% | 313 |
| Total risk-based capital ratio | 36.5515% | 305 |
| Memoranda: | ||
| Average total assets | $91,034,800 | 4,411 |
| Average earning assets | $82,688,600 | 4,426 |
| Average equity | $12,320,600 | 4,082 |
| Average total loans | $27,764,600 | 5,070 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9421% | 5,449 |
| Cost of funding earning assets | 0.1609% | 5,247 |
| Net interest margin | 2.7812% | 5,250 |
| Noninterest income to average assets | 0.2501% | 4,711 |
| Noninterest expense to average assets | 3.1005% | 1,801 |
| Loan and lease loss provision to assets | -0.2233% | 5,666 |
| Net operating income to assets | -0.1057% | 5,552 |
| Return on assets (ROA) | -0.1265% | 5,563 |
| Pretax return on assets | -0.1265% | 5,553 |
| Return on Equity (ROE) | -0.9195% | 5,555 |
| Retained earnings to average equity (ytd only) | -0.9195% | 5,340 |
| Net charge-offs to loans | -1.1787% | 5,690 |
| Credit loss provision to net charge-offs | 60.9756% | 2,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8690% | 87 |
| Assets per employee ($millions) | 3.8681% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6652% | 219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 28.7026% | 5,528 |
| Net loans and leases to deposits | 33.7348% | 5,531 |
| Net loans and leases to core deposits | 34.1192% | 5,551 |
| Total domestic deposits to total assets | 85.0830% | 2,684 |
| Equity capital to assets | 12.7836% | 1,497 |
| Core capital (leverage) ratio | 13.0918% | 1,175 |
| Tier 1 risk-based capital ratio | 34.5351% | 335 |
| Total risk-based capital ratio | 35.7978% | 329 |
| Memoranda: | ||
| Average total assets | $89,573,250 | 4,476 |
| Average earning assets | $81,209,750 | 4,485 |
| Average equity | $12,325,250 | 4,120 |
| Average total loans | $27,827,250 | 5,127 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7680% | 5,570 |
| Cost of funding earning assets | 0.1548% | 5,308 |
| Net interest margin | 2.6133% | 5,427 |
| Noninterest income to average assets | 0.2661% | 4,638 |
| Noninterest expense to average assets | 3.0873% | 1,870 |
| Loan and lease loss provision to assets | -0.3440% | 5,740 |
| Net operating income to assets | -0.1147% | 5,588 |
| Return on assets (ROA) | -0.1468% | 5,600 |
| Pretax return on assets | -0.1468% | 5,594 |
| Return on Equity (ROE) | -1.0396% | 5,593 |
| Retained earnings to average equity (ytd only) | -1.0396% | 5,240 |
| Net charge-offs to loans | -2.3408% | 5,743 |
| Credit loss provision to net charge-offs | 46.4396% | 2,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4520% | 72 |
| Assets per employee ($millions) | 3.6997% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9894% | 164 |
| Loan loss allowance to noncurrent loans | 119.5714% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.7568% | 2,313 |
| Noncurrent loans to loans | 2.5001% | 601 |
| Net loans and leases to total assets | 29.3669% | 5,559 |
| Net loans and leases to deposits | 34.8253% | 5,558 |
| Net loans and leases to core deposits | 34.8253% | 5,587 |
| Total domestic deposits to total assets | 84.3262% | 3,077 |
| Equity capital to assets | 13.4249% | 1,176 |
| Core capital (leverage) ratio | 13.7627% | 921 |
| Tier 1 risk-based capital ratio | 35.2113% | 298 |
| Total risk-based capital ratio | 36.4744% | 292 |
| Memoranda: | ||
| Average total assets | $87,197,000 | 4,540 |
| Average earning assets | $78,828,670 | 4,552 |
| Average equity | $12,313,000 | 4,142 |
| Average total loans | $27,597,670 | 5,173 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6811% | 5,651 |
| Cost of funding earning assets | 0.1525% | 5,355 |
| Net interest margin | 2.5286% | 5,524 |
| Noninterest income to average assets | 0.2886% | 4,491 |
| Noninterest expense to average assets | 3.0799% | 1,919 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.5157% | 5,741 |
| Return on assets (ROA) | -0.5157% | 5,738 |
| Pretax return on assets | -0.5157% | 5,730 |
| Return on Equity (ROE) | -3.5560% | 5,716 |
| Retained earnings to average equity (ytd only) | -3.5560% | 5,299 |
| Net charge-offs to loans | -4.5698% | 5,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.1107% | 74 |
| Assets per employee ($millions) | 3.6349% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6341% | 109 |
| Loan loss allowance to noncurrent loans | 133.8356% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 2,294 |
| Noncurrent loans to loans | 2.7154% | 552 |
| Net loans and leases to total assets | 28.5093% | 5,618 |
| Net loans and leases to deposits | 33.7146% | 5,620 |
| Net loans and leases to core deposits | 33.7146% | 5,655 |
| Total domestic deposits to total assets | 84.5607% | 3,276 |
| Equity capital to assets | 13.4585% | 1,081 |
| Core capital (leverage) ratio | 14.0713% | 825 |
| Tier 1 risk-based capital ratio | 36.2625% | 294 |
| Total risk-based capital ratio | 37.5334% | 286 |
| Memoranda: | ||
| Average total assets | $84,549,500 | 4,628 |
| Average earning assets | $76,088,500 | 4,651 |
| Average equity | $12,261,000 | 4,173 |
| Average total loans | $27,397,000 | 5,233 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9724% | 5,523 |
| Cost of funding earning assets | 0.1077% | 5,669 |
| Net interest margin | 2.8648% | 5,191 |
| Noninterest income to average assets | 0.3735% | 4,076 |
| Noninterest expense to average assets | 3.6838% | 903 |
| Loan and lease loss provision to assets | 0.0382% | 3,610 |
| Net operating income to assets | -0.8387% | 5,822 |
| Return on assets (ROA) | -0.8387% | 5,827 |
| Pretax return on assets | -0.8387% | 5,819 |
| Return on Equity (ROE) | -5.0559% | 5,789 |
| Retained earnings to average equity (ytd only) | -5.0559% | 5,676 |
| Net charge-offs to loans | -0.1013% | 5,599 |
| Credit loss provision to net charge-offs | -96.7742% | 4,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.7630% | 66 |
| Assets per employee ($millions) | 3.4012% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3791% | 366 |
| Loan loss allowance to noncurrent loans | 118.7835% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 2,584 |
| Noncurrent loans to loans | 2.0029% | 902 |
| Net loans and leases to total assets | 34.8294% | 5,527 |
| Net loans and leases to deposits | 42.6879% | 5,470 |
| Net loans and leases to core deposits | 42.6879% | 5,532 |
| Total domestic deposits to total assets | 81.5908% | 4,184 |
| Equity capital to assets | 15.7132% | 532 |
| Core capital (leverage) ratio | 16.4552% | 405 |
| Tier 1 risk-based capital ratio | 35.2169% | 313 |
| Total risk-based capital ratio | 36.4739% | 309 |
| Memoranda: | ||
| Average total assets | $78,450,800 | 4,757 |
| Average earning assets | $68,732,000 | 4,834 |
| Average equity | $13,014,400 | 4,085 |
| Average total loans | $30,609,400 | 5,171 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0203% | 5,551 |
| Cost of funding earning assets | 0.1071% | 5,742 |
| Net interest margin | 2.9132% | 5,165 |
| Noninterest income to average assets | 0.4518% | 3,551 |
| Noninterest expense to average assets | 3.5138% | 1,126 |
| Loan and lease loss provision to assets | 0.0459% | 3,325 |
| Net operating income to assets | -0.5672% | 5,866 |
| Return on assets (ROA) | -0.5672% | 5,868 |
| Pretax return on assets | -0.5672% | 5,859 |
| Return on Equity (ROE) | -3.3749% | 5,842 |
| Retained earnings to average equity (ytd only) | -3.3749% | 5,671 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.4234% | 89 |
| Assets per employee ($millions) | 3.3720% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2733% | 454 |
| Loan loss allowance to noncurrent loans | 96.6258% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 2,443 |
| Noncurrent loans to loans | 2.3527% | 776 |
| Net loans and leases to total assets | 34.9206% | 5,592 |
| Net loans and leases to deposits | 43.0196% | 5,546 |
| Net loans and leases to core deposits | 43.0196% | 5,610 |
| Total domestic deposits to total assets | 81.1736% | 4,203 |
| Equity capital to assets | 16.7556% | 454 |
| Core capital (leverage) ratio | 16.6274% | 398 |
| Tier 1 risk-based capital ratio | 33.9396% | 356 |
| Total risk-based capital ratio | 35.1937% | 353 |
| Memoranda: | ||
| Average total assets | $78,506,750 | 4,796 |
| Average earning assets | $68,469,000 | 4,878 |
| Average equity | $13,195,000 | 4,099 |
| Average total loans | $31,284,250 | 5,206 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8739% | 5,755 |
| Cost of funding earning assets | 0.1103% | 5,806 |
| Net interest margin | 2.7636% | 5,491 |
| Noninterest income to average assets | 0.4187% | 3,750 |
| Noninterest expense to average assets | 3.3163% | 1,559 |
| Loan and lease loss provision to assets | 0.0685% | 2,769 |
| Net operating income to assets | -0.5506% | 5,929 |
| Return on assets (ROA) | -0.5506% | 5,931 |
| Pretax return on assets | -0.5506% | 5,924 |
| Return on Equity (ROE) | -3.2726% | 5,905 |
| Retained earnings to average equity (ytd only) | -3.2726% | 5,655 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.0098% | 102 |
| Assets per employee ($millions) | 3.5786% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9837% | 763 |
| Loan loss allowance to noncurrent loans | 94.3114% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 0.8485% | 2,476 |
| Noncurrent loans to loans | 2.1033% | 927 |
| Net loans and leases to total assets | 39.5394% | 5,443 |
| Net loans and leases to deposits | 48.0905% | 5,417 |
| Net loans and leases to core deposits | 48.0905% | 5,498 |
| Total domestic deposits to total assets | 82.2188% | 3,932 |
| Equity capital to assets | 16.7041% | 466 |
| Core capital (leverage) ratio | 16.7759% | 385 |
| Tier 1 risk-based capital ratio | 32.2771% | 408 |
| Total risk-based capital ratio | 33.5303% | 399 |
| Memoranda: | ||
| Average total assets | $78,823,670 | 4,840 |
| Average earning assets | $68,895,670 | 4,910 |
| Average equity | $13,261,670 | 4,112 |
| Average total loans | $32,474,670 | 5,220 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8411% | 5,827 |
| Cost of funding earning assets | 0.1102% | 5,867 |
| Net interest margin | 2.7310% | 5,572 |
| Noninterest income to average assets | 0.5274% | 2,951 |
| Noninterest expense to average assets | 3.2965% | 1,613 |
| Loan and lease loss provision to assets | 0.0659% | 2,642 |
| Net operating income to assets | -0.4463% | 5,950 |
| Return on assets (ROA) | -0.4463% | 5,958 |
| Pretax return on assets | -0.4463% | 5,947 |
| Return on Equity (ROE) | -2.6432% | 5,929 |
| Retained earnings to average equity (ytd only) | -2.6432% | 5,444 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.0435% | 139 |
| Assets per employee ($millions) | 3.7493% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8826% | 995 |
| Loan loss allowance to noncurrent loans | 86.6385% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 0.9030% | 2,431 |
| Noncurrent loans to loans | 2.1729% | 953 |
| Net loans and leases to total assets | 40.7755% | 5,414 |
| Net loans and leases to deposits | 49.5899% | 5,365 |
| Net loans and leases to core deposits | 49.9588% | 5,440 |
| Total domestic deposits to total assets | 82.2254% | 4,143 |
| Equity capital to assets | 16.8805% | 432 |
| Core capital (leverage) ratio | 16.7283% | 396 |
| Tier 1 risk-based capital ratio | 31.4735% | 448 |
| Total risk-based capital ratio | 32.7263% | 443 |
| Memoranda: | ||
| Average total assets | $78,871,000 | 4,883 |
| Average earning assets | $68,986,500 | 4,953 |
| Average equity | $13,317,000 | 4,114 |
| Average total loans | $32,832,500 | 5,240 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1613% | 5,561 |
| Cost of funding earning assets | 0.1182% | 5,886 |
| Net interest margin | 3.0431% | 5,041 |
| Noninterest income to average assets | 0.6335% | 2,544 |
| Noninterest expense to average assets | 4.2054% | 538 |
| Loan and lease loss provision to assets | -1.0392% | 6,175 |
| Net operating income to assets | 0.0792% | 5,782 |
| Return on assets (ROA) | 0.0792% | 5,823 |
| Pretax return on assets | 0.0792% | 5,815 |
| Return on Equity (ROE) | 0.9131% | 5,788 |
| Retained earnings to average equity (ytd only) | 0.9131% | 5,157 |
| Net charge-offs to loans | -1.5681% | 6,135 |
| Credit loss provision to net charge-offs | 140.6015% | 1,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.5805% | 70 |
| Assets per employee ($millions) | 3.1602% | 5,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8304% | 1,080 |
| Loan loss allowance to noncurrent loans | 39.3860% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.9429% | 921 |
| Noncurrent loans to loans | 4.6473% | 224 |
| Net loans and leases to total assets | 40.9349% | 5,468 |
| Net loans and leases to deposits | 49.6805% | 5,410 |
| Net loans and leases to core deposits | 50.0472% | 5,495 |
| Total domestic deposits to total assets | 82.3963% | 4,053 |
| Equity capital to assets | 16.8886% | 422 |
| Core capital (leverage) ratio | 18.5273% | 262 |
| Tier 1 risk-based capital ratio | 31.1769% | 458 |
| Total risk-based capital ratio | 32.4307% | 453 |
| Memoranda: | ||
| Average total assets | $71,978,200 | 5,044 |
| Average earning assets | $61,779,000 | 5,133 |
| Average equity | $6,242,200 | 5,384 |
| Average total loans | $33,926,600 | 5,226 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2675% | 5,465 |
| Cost of funding earning assets | 0.1202% | 5,978 |
| Net interest margin | 3.1473% | 4,825 |
| Noninterest income to average assets | 0.5810% | 2,846 |
| Noninterest expense to average assets | 4.3253% | 477 |
| Loan and lease loss provision to assets | -1.4981% | 6,265 |
| Net operating income to assets | 0.4386% | 5,014 |
| Return on assets (ROA) | 0.4386% | 5,109 |
| Pretax return on assets | 0.4386% | 5,378 |
| Return on Equity (ROE) | 6.8948% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.8948% | 1,740 |
| Net charge-offs to loans | -2.1069% | 6,223 |
| Credit loss provision to net charge-offs | 146.1111% | 1,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4419% | 67 |
| Assets per employee ($millions) | 2.9244% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 1,471 |
| Loan loss allowance to noncurrent loans | 34.8837% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 2.5498% | 669 |
| Noncurrent loans to loans | 4.8670% | 218 |
| Net loans and leases to total assets | 49.0671% | 5,010 |
| Net loans and leases to deposits | 53.9141% | 5,256 |
| Net loans and leases to core deposits | 54.3367% | 5,386 |
| Total domestic deposits to total assets | 91.0096% | 241 |
| Equity capital to assets | 6.8167% | 6,162 |
| Core capital (leverage) ratio | 6.6150% | 6,164 |
| Tier 1 risk-based capital ratio | 10.2689% | 5,958 |
| Total risk-based capital ratio | 11.5203% | 5,901 |
| Memoranda: | ||
| Average total assets | $70,221,250 | 5,152 |
| Average earning assets | $59,901,250 | 5,253 |
| Average equity | $4,467,000 | 5,840 |
| Average total loans | $34,172,250 | 5,274 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2088% | 5,608 |
| Cost of funding earning assets | 0.1151% | 6,064 |
| Net interest margin | 3.0937% | 4,985 |
| Noninterest income to average assets | 0.6151% | 2,654 |
| Noninterest expense to average assets | 4.2776% | 504 |
| Loan and lease loss provision to assets | -2.2132% | 6,344 |
| Net operating income to assets | 1.1937% | 1,620 |
| Return on assets (ROA) | 1.1937% | 1,696 |
| Pretax return on assets | 1.1937% | 2,802 |
| Return on Equity (ROE) | 19.1975% | 315 |
| Retained earnings to average equity (ytd only) | 19.1975% | 81 |
| Net charge-offs to loans | -4.5095% | 6,303 |
| Credit loss provision to net charge-offs | 101.6774% | 2,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.2931% | 73 |
| Assets per employee ($millions) | 2.8172% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3756% | 570 |
| Loan loss allowance to noncurrent loans | 42.0668% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 2.9536% | 574 |
| Noncurrent loans to loans | 5.6473% | 179 |
| Net loans and leases to total assets | 48.9883% | 5,011 |
| Net loans and leases to deposits | 53.7433% | 5,273 |
| Net loans and leases to core deposits | 54.1607% | 5,410 |
| Total domestic deposits to total assets | 91.1525% | 265 |
| Equity capital to assets | 7.0254% | 6,190 |
| Core capital (leverage) ratio | 6.7269% | 6,220 |
| Tier 1 risk-based capital ratio | 10.7013% | 5,841 |
| Total risk-based capital ratio | 11.9591% | 5,776 |
| Memoranda: | ||
| Average total assets | $71,208,000 | 5,177 |
| Average earning assets | $60,832,670 | 5,284 |
| Average equity | $4,427,670 | 5,912 |
| Average total loans | $34,372,000 | 5,315 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0440% | 5,849 |
| Cost of funding earning assets | 0.1087% | 6,168 |
| Net interest margin | 2.9353% | 5,377 |
| Noninterest income to average assets | 0.6356% | 2,467 |
| Noninterest expense to average assets | 4.1914% | 562 |
| Loan and lease loss provision to assets | 0.1589% | 1,278 |
| Net operating income to assets | -1.1999% | 6,334 |
| Return on assets (ROA) | -1.1999% | 6,338 |
| Pretax return on assets | -1.1999% | 6,329 |
| Return on Equity (ROE) | -20.5321% | 6,358 |
| Retained earnings to average equity (ytd only) | -20.5321% | 6,276 |
| Net charge-offs to loans | 0.4163% | 587 |
| Credit loss provision to net charge-offs | 80.5556% | 1,821 |
| Earnings coverage of net charge-offs (x) | -5.2778% | 3,232 |
| Efficiency ratio | 133.0435% | 77 |
| Assets per employee ($millions) | 3.0108% | 5,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4074% | 604 |
| Loan loss allowance to noncurrent loans | 37.7850% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 3.1594% | 567 |
| Noncurrent loans to loans | 6.3714% | 164 |
| Net loans and leases to total assets | 45.5536% | 5,233 |
| Net loans and leases to deposits | 49.0552% | 5,510 |
| Net loans and leases to core deposits | 49.0552% | 5,633 |
| Total domestic deposits to total assets | 92.8619% | 70 |
| Equity capital to assets | 5.7362% | 6,345 |
| Core capital (leverage) ratio | 5.7985% | 6,337 |
| Tier 1 risk-based capital ratio | 9.1866% | 6,302 |
| Total risk-based capital ratio | 10.4436% | 6,290 |
| Memoranda: | ||
| Average total assets | $73,006,000 | 5,172 |
| Average earning assets | $62,550,000 | 5,292 |
| Average equity | $4,266,500 | 6,001 |
| Average total loans | $34,594,000 | 5,342 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1448% | 5,906 |
| Cost of funding earning assets | 0.0980% | 6,332 |
| Net interest margin | 3.0469% | 5,326 |
| Noninterest income to average assets | 0.2375% | 5,436 |
| Noninterest expense to average assets | 4.6855% | 399 |
| Loan and lease loss provision to assets | 0.2706% | 805 |
| Net operating income to assets | -2.1199% | 6,459 |
| Return on assets (ROA) | -2.1199% | 6,457 |
| Pretax return on assets | -2.1199% | 6,451 |
| Return on Equity (ROE) | -31.0376% | 6,469 |
| Retained earnings to average equity (ytd only) | -31.0376% | 6,460 |
| Net charge-offs to loans | 1.2916% | 202 |
| Credit loss provision to net charge-offs | 43.9655% | 3,603 |
| Earnings coverage of net charge-offs (x) | -3.0043% | 4,858 |
| Efficiency ratio | 165.2011% | 38 |
| Assets per employee ($millions) | 3.0730% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3097% | 713 |
| Loan loss allowance to noncurrent loans | 29.1979% | 5,669 |
| Noncurrent assets plus other real estate owned to assets | 4.0107% | 417 |
| Noncurrent loans to loans | 7.9105% | 118 |
| Net loans and leases to total assets | 46.9682% | 5,253 |
| Net loans and leases to deposits | 51.0561% | 5,528 |
| Net loans and leases to core deposits | 51.0561% | 5,662 |
| Total domestic deposits to total assets | 91.9934% | 146 |
| Equity capital to assets | 5.9497% | 6,413 |
| Core capital (leverage) ratio | 6.3351% | 6,383 |
| Tier 1 risk-based capital ratio | 9.4733% | 6,354 |
| Total risk-based capital ratio | 10.7307% | 6,333 |
| Memoranda: | ||
| Average total assets | $75,381,200 | 5,164 |
| Average earning assets | $64,295,600 | 5,271 |
| Average equity | $5,148,600 | 5,822 |
| Average total loans | $35,924,600 | 5,332 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1654% | 5,941 |
| Cost of funding earning assets | 0.1012% | 6,410 |
| Net interest margin | 3.0642% | 5,350 |
| Noninterest income to average assets | 0.5805% | 2,983 |
| Noninterest expense to average assets | 5.2566% | 266 |
| Loan and lease loss provision to assets | 0.3589% | 486 |
| Net operating income to assets | -2.4260% | 6,542 |
| Return on assets (ROA) | -2.4260% | 6,544 |
| Pretax return on assets | -2.4260% | 6,540 |
| Return on Equity (ROE) | -34.4391% | 6,547 |
| Retained earnings to average equity (ytd only) | -34.4391% | 6,543 |
| Net charge-offs to loans | 1.5760% | 147 |
| Credit loss provision to net charge-offs | 47.8873% | 3,140 |
| Earnings coverage of net charge-offs (x) | -2.7582% | 4,589 |
| Efficiency ratio | 164.8097% | 41 |
| Assets per employee ($millions) | 3.1813% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5150% | 638 |
| Loan loss allowance to noncurrent loans | 41.6019% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 3.6377% | 576 |
| Noncurrent loans to loans | 6.0455% | 229 |
| Net loans and leases to total assets | 47.4617% | 5,251 |
| Net loans and leases to deposits | 51.8837% | 5,535 |
| Net loans and leases to core deposits | 51.8837% | 5,689 |
| Total domestic deposits to total assets | 91.4772% | 241 |
| Equity capital to assets | 6.5839% | 6,436 |
| Core capital (leverage) ratio | 6.2868% | 6,456 |
| Tier 1 risk-based capital ratio | 10.1145% | 6,319 |
| Total risk-based capital ratio | 11.3746% | 6,283 |
| Memoranda: | ||
| Average total assets | $75,788,500 | 5,213 |
| Average earning assets | $64,528,750 | 5,318 |
| Average equity | $5,338,750 | 5,837 |
| Average total loans | $36,041,000 | 5,377 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1179% | 6,043 |
| Cost of funding earning assets | 0.0993% | 6,482 |
| Net interest margin | 3.0186% | 5,461 |
| Noninterest income to average assets | 0.5327% | 3,250 |
| Noninterest expense to average assets | 5.4631% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.3494% | 6,608 |
| Return on assets (ROA) | -2.3494% | 6,610 |
| Pretax return on assets | -2.3494% | 6,604 |
| Return on Equity (ROE) | -32.7104% | 6,613 |
| Retained earnings to average equity (ytd only) | -32.7104% | 6,594 |
| Net charge-offs to loans | 2.1310% | 102 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -2.3350% | 4,252 |
| Efficiency ratio | 175.4545% | 33 |
| Assets per employee ($millions) | 3.4249% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 1,456 |
| Loan loss allowance to noncurrent loans | 30.6595% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 3.7479% | 601 |
| Noncurrent loans to loans | 6.3631% | 227 |
| Net loans and leases to total assets | 45.8911% | 5,368 |
| Net loans and leases to deposits | 50.0282% | 5,634 |
| Net loans and leases to core deposits | 50.0282% | 5,786 |
| Total domestic deposits to total assets | 91.7304% | 211 |
| Equity capital to assets | 6.7460% | 6,473 |
| Core capital (leverage) ratio | 6.5523% | 6,494 |
| Tier 1 risk-based capital ratio | 10.8316% | 6,117 |
| Total risk-based capital ratio | 12.0860% | 6,063 |
| Memoranda: | ||
| Average total assets | $77,721,670 | 5,210 |
| Average earning assets | $66,454,330 | 5,310 |
| Average equity | $5,582,330 | 5,811 |
| Average total loans | $36,696,330 | 5,388 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0896% | 6,140 |
| Cost of funding earning assets | 0.0949% | 6,576 |
| Net interest margin | 2.9947% | 5,536 |
| Noninterest income to average assets | 0.4359% | 3,899 |
| Noninterest expense to average assets | 4.5217% | 450 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.5258% | 6,634 |
| Return on assets (ROA) | -1.5258% | 6,629 |
| Pretax return on assets | -1.5258% | 6,614 |
| Return on Equity (ROE) | -20.6447% | 6,632 |
| Retained earnings to average equity (ytd only) | -20.6447% | 6,538 |
| Net charge-offs to loans | 2.7478% | 76 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.1712% | 3,518 |
| Efficiency ratio | 150.9306% | 62 |
| Assets per employee ($millions) | 3.3497% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2786% | 1,059 |
| Loan loss allowance to noncurrent loans | 23.4790% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 5.3049% | 368 |
| Noncurrent loans to loans | 9.7051% | 106 |
| Net loans and leases to total assets | 45.7569% | 5,354 |
| Net loans and leases to deposits | 50.3255% | 5,574 |
| Net loans and leases to core deposits | 50.3255% | 5,736 |
| Total domestic deposits to total assets | 90.9218% | 603 |
| Equity capital to assets | 7.3752% | 6,355 |
| Core capital (leverage) ratio | 7.2337% | 6,415 |
| Tier 1 risk-based capital ratio | 11.8533% | 5,725 |
| Total risk-based capital ratio | 13.1104% | 5,657 |
| Memoranda: | ||
| Average total assets | $78,908,500 | 5,228 |
| Average earning assets | $67,451,500 | 5,336 |
| Average equity | $5,832,000 | 5,790 |
| Average total loans | $37,411,500 | 5,411 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0940% | 6,247 |
| Cost of funding earning assets | 0.1043% | 6,662 |
| Net interest margin | 2.9897% | 5,602 |
| Noninterest income to average assets | 0.7480% | 2,301 |
| Noninterest expense to average assets | 4.3923% | 577 |
| Loan and lease loss provision to assets | 1.4210% | 104 |
| Net operating income to assets | -2.5025% | 6,737 |
| Return on assets (ROA) | -2.5025% | 6,740 |
| Pretax return on assets | -2.5025% | 6,737 |
| Return on Equity (ROE) | -29.5933% | 6,722 |
| Retained earnings to average equity (ytd only) | -29.5933% | 6,715 |
| Net charge-offs to loans | 2.4553% | 120 |
| Credit loss provision to net charge-offs | 121.9917% | 1,950 |
| Earnings coverage of net charge-offs (x) | -0.9284% | 5,256 |
| Efficiency ratio | 132.6642% | 110 |
| Assets per employee ($millions) | 3.5120% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7846% | 613 |
| Loan loss allowance to noncurrent loans | 27.2131% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 5.6825% | 356 |
| Noncurrent loans to loans | 10.2325% | 105 |
| Net loans and leases to total assets | 46.6357% | 5,430 |
| Net loans and leases to deposits | 50.9054% | 5,700 |
| Net loans and leases to core deposits | 50.9054% | 5,878 |
| Total domestic deposits to total assets | 91.6125% | 373 |
| Equity capital to assets | 7.4058% | 6,327 |
| Core capital (leverage) ratio | 7.5963% | 6,340 |
| Tier 1 risk-based capital ratio | 11.9829% | 5,622 |
| Total risk-based capital ratio | 13.2460% | 5,557 |
| Memoranda: | ||
| Average total assets | $82,758,200 | 5,174 |
| Average earning assets | $70,943,000 | 5,285 |
| Average equity | $6,998,200 | 5,567 |
| Average total loans | $39,262,200 | 5,378 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0825% | 6,336 |
| Cost of funding earning assets | 0.1065% | 6,751 |
| Net interest margin | 2.9760% | 5,650 |
| Noninterest income to average assets | 0.8680% | 1,864 |
| Noninterest expense to average assets | 4.2600% | 654 |
| Loan and lease loss provision to assets | 1.6191% | 70 |
| Net operating income to assets | -2.4599% | 6,820 |
| Return on assets (ROA) | -2.4599% | 6,822 |
| Pretax return on assets | -2.4599% | 6,818 |
| Return on Equity (ROE) | -28.2388% | 6,806 |
| Retained earnings to average equity (ytd only) | -28.2388% | 6,797 |
| Net charge-offs to loans | 3.2494% | 69 |
| Credit loss provision to net charge-offs | 105.3125% | 2,220 |
| Earnings coverage of net charge-offs (x) | -0.5469% | 4,957 |
| Efficiency ratio | 124.5902% | 145 |
| Assets per employee ($millions) | 3.2675% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3282% | 1,139 |
| Loan loss allowance to noncurrent loans | 23.2641% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 6.4307% | 340 |
| Noncurrent loans to loans | 10.0079% | 131 |
| Net loans and leases to total assets | 49.1080% | 5,235 |
| Net loans and leases to deposits | 54.1874% | 5,523 |
| Net loans and leases to core deposits | 54.1874% | 5,751 |
| Total domestic deposits to total assets | 90.6262% | 694 |
| Equity capital to assets | 8.3281% | 5,895 |
| Core capital (leverage) ratio | 8.0537% | 6,188 |
| Tier 1 risk-based capital ratio | 12.8215% | 5,246 |
| Total risk-based capital ratio | 14.0710% | 5,184 |
| Memoranda: | ||
| Average total assets | $83,254,000 | 5,209 |
| Average earning assets | $71,368,750 | 5,321 |
| Average equity | $7,252,250 | 5,569 |
| Average total loans | $39,390,500 | 5,424 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9908% | 6,458 |
| Cost of funding earning assets | 0.1041% | 6,814 |
| Net interest margin | 2.8867% | 5,820 |
| Noninterest income to average assets | 0.8861% | 1,867 |
| Noninterest expense to average assets | 3.8579% | 1,028 |
| Loan and lease loss provision to assets | 2.3425% | 38 |
| Net operating income to assets | -2.8304% | 6,891 |
| Return on assets (ROA) | -2.8304% | 6,894 |
| Pretax return on assets | -2.8304% | 6,888 |
| Return on Equity (ROE) | -32.0580% | 6,867 |
| Retained earnings to average equity (ytd only) | -32.0580% | 6,855 |
| Net charge-offs to loans | 4.8911% | 35 |
| Credit loss provision to net charge-offs | 103.2191% | 2,145 |
| Earnings coverage of net charge-offs (x) | -0.2150% | 4,621 |
| Efficiency ratio | 114.4755% | 229 |
| Assets per employee ($millions) | 3.7031% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2637% | 1,315 |
| Loan loss allowance to noncurrent loans | 31.3986% | 5,962 |
| Noncurrent assets plus other real estate owned to assets | 4.6917% | 680 |
| Noncurrent loans to loans | 7.2095% | 322 |
| Net loans and leases to total assets | 45.5220% | 5,586 |
| Net loans and leases to deposits | 50.6175% | 5,792 |
| Net loans and leases to core deposits | 50.6175% | 5,985 |
| Total domestic deposits to total assets | 89.9333% | 1,065 |
| Equity capital to assets | 8.0496% | 6,167 |
| Core capital (leverage) ratio | 8.0811% | 6,120 |
| Tier 1 risk-based capital ratio | 13.4591% | 4,799 |
| Total risk-based capital ratio | 14.7161% | 4,747 |
| Memoranda: | ||
| Average total assets | $84,865,000 | 5,200 |
| Average earning assets | $73,023,670 | 5,305 |
| Average equity | $7,492,670 | 5,565 |
| Average total loans | $39,377,670 | 5,450 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9717% | 6,541 |
| Cost of funding earning assets | 0.1042% | 6,901 |
| Net interest margin | 2.8676% | 5,873 |
| Noninterest income to average assets | 0.6233% | 3,013 |
| Noninterest expense to average assets | 3.7445% | 1,179 |
| Loan and lease loss provision to assets | 1.8604% | 66 |
| Net operating income to assets | -2.5121% | 6,944 |
| Return on assets (ROA) | -2.5121% | 6,945 |
| Pretax return on assets | -2.5121% | 6,938 |
| Return on Equity (ROE) | -27.2436% | 6,926 |
| Retained earnings to average equity (ytd only) | -27.2436% | 6,887 |
| Net charge-offs to loans | -0.2039% | 6,683 |
| Credit loss provision to net charge-offs | -1,970.0000% | 5,757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.0687% | 210 |
| Assets per employee ($millions) | 3.4891% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2141% | 537 |
| Loan loss allowance to noncurrent loans | 29.4483% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 6.5884% | 451 |
| Noncurrent loans to loans | 10.9143% | 170 |
| Net loans and leases to total assets | 46.0663% | 5,432 |
| Net loans and leases to deposits | 50.8469% | 5,724 |
| Net loans and leases to core deposits | 50.8469% | 5,906 |
| Total domestic deposits to total assets | 90.5981% | 713 |
| Equity capital to assets | 9.0162% | 5,466 |
| Core capital (leverage) ratio | 8.8116% | 5,168 |
| Tier 1 risk-based capital ratio | 14.7010% | 4,037 |
| Total risk-based capital ratio | 15.9666% | 3,994 |
| Memoranda: | ||
| Average total assets | $84,711,500 | 5,242 |
| Average earning assets | $72,954,000 | 5,358 |
| Average equity | $7,811,000 | 5,535 |
| Average total loans | $39,231,500 | 5,499 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2642% | 6,615 |
| Cost of funding earning assets | 0.1638% | 6,898 |
| Net interest margin | 3.1004% | 5,811 |
| Noninterest income to average assets | 1.4414% | 754 |
| Noninterest expense to average assets | 4.2553% | 715 |
| Loan and lease loss provision to assets | 0.2925% | 2,336 |
| Net operating income to assets | -0.4160% | 6,525 |
| Return on assets (ROA) | -0.4160% | 6,570 |
| Pretax return on assets | -0.4160% | 6,536 |
| Return on Equity (ROE) | -4.3611% | 6,571 |
| Retained earnings to average equity (ytd only) | -4.3611% | 6,388 |
| Net charge-offs to loans | 0.9881% | 1,104 |
| Credit loss provision to net charge-offs | 63.7056% | 4,349 |
| Earnings coverage of net charge-offs (x) | -0.2690% | 5,601 |
| Efficiency ratio | 102.9893% | 462 |
| Assets per employee ($millions) | 3.4274% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2457% | 1,467 |
| Loan loss allowance to noncurrent loans | 18.2105% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 5.8808% | 596 |
| Noncurrent loans to loans | 12.3320% | 143 |
| Net loans and leases to total assets | 44.0450% | 5,813 |
| Net loans and leases to deposits | 48.9259% | 6,041 |
| Net loans and leases to core deposits | 48.9259% | 6,217 |
| Total domestic deposits to total assets | 90.0239% | 936 |
| Equity capital to assets | 9.4206% | 4,974 |
| Core capital (leverage) ratio | 9.5344% | 4,060 |
| Tier 1 risk-based capital ratio | 16.2936% | 2,997 |
| Total risk-based capital ratio | 17.5462% | 2,956 |
| Memoranda: | ||
| Average total assets | $85,821,800 | 5,196 |
| Average earning assets | $74,473,600 | 5,298 |
| Average equity | $8,186,000 | 5,446 |
| Average total loans | $39,873,600 | 5,512 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 6,674 |
| Cost of funding earning assets | 0.1789% | 6,991 |
| Net interest margin | 3.1759% | 5,752 |
| Noninterest income to average assets | 1.1865% | 1,076 |
| Noninterest expense to average assets | 4.3591% | 624 |
| Loan and lease loss provision to assets | 0.2578% | 2,512 |
| Net operating income to assets | -0.6740% | 6,768 |
| Return on assets (ROA) | -0.6740% | 6,796 |
| Pretax return on assets | -0.6740% | 6,774 |
| Return on Equity (ROE) | -7.0443% | 6,787 |
| Retained earnings to average equity (ytd only) | -7.0443% | 6,717 |
| Net charge-offs to loans | 1.3170% | 714 |
| Credit loss provision to net charge-offs | 41.8136% | 4,580 |
| Earnings coverage of net charge-offs (x) | -0.6751% | 5,534 |
| Efficiency ratio | 110.5553% | 297 |
| Assets per employee ($millions) | 3.3102% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9442% | 2,345 |
| Loan loss allowance to noncurrent loans | 18.3510% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 5.4860% | 775 |
| Noncurrent loans to loans | 10.5948% | 219 |
| Net loans and leases to total assets | 47.4745% | 5,611 |
| Net loans and leases to deposits | 52.8207% | 5,904 |
| Net loans and leases to core deposits | 52.8207% | 6,128 |
| Total domestic deposits to total assets | 89.8787% | 906 |
| Equity capital to assets | 9.6090% | 5,045 |
| Core capital (leverage) ratio | 9.4645% | 4,327 |
| Tier 1 risk-based capital ratio | 15.9932% | 3,263 |
| Total risk-based capital ratio | 17.2486% | 3,230 |
| Memoranda: | ||
| Average total assets | $85,856,000 | 5,244 |
| Average earning assets | $74,517,000 | 5,350 |
| Average equity | $8,214,500 | 5,494 |
| Average total loans | $40,190,250 | 5,566 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3663% | 6,758 |
| Cost of funding earning assets | 0.2011% | 7,031 |
| Net interest margin | 3.1651% | 5,835 |
| Noninterest income to average assets | 1.0611% | 1,276 |
| Noninterest expense to average assets | 4.1179% | 818 |
| Loan and lease loss provision to assets | 0.3821% | 1,709 |
| Net operating income to assets | -0.6859% | 6,814 |
| Return on assets (ROA) | -0.6859% | 6,850 |
| Pretax return on assets | -0.6859% | 6,818 |
| Return on Equity (ROE) | -7.1790% | 6,837 |
| Retained earnings to average equity (ytd only) | -7.1790% | 6,728 |
| Net charge-offs to loans | 0.0994% | 4,173 |
| Credit loss provision to net charge-offs | 830.0000% | 390 |
| Earnings coverage of net charge-offs (x) | -6.6000% | 5,454 |
| Efficiency ratio | 107.9662% | 364 |
| Assets per employee ($millions) | 3.1366% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8443% | 905 |
| Loan loss allowance to noncurrent loans | 42.7357% | 5,516 |
| Noncurrent assets plus other real estate owned to assets | 3.5424% | 1,500 |
| Noncurrent loans to loans | 6.6555% | 613 |
| Net loans and leases to total assets | 46.6259% | 5,771 |
| Net loans and leases to deposits | 51.8760% | 6,035 |
| Net loans and leases to core deposits | 52.9118% | 6,168 |
| Total domestic deposits to total assets | 89.8794% | 992 |
| Equity capital to assets | 9.6246% | 4,875 |
| Core capital (leverage) ratio | 9.2857% | 4,471 |
| Tier 1 risk-based capital ratio | 16.1148% | 3,116 |
| Total risk-based capital ratio | 17.3864% | 3,066 |
| Memoranda: | ||
| Average total assets | $86,889,330 | 5,248 |
| Average earning assets | $75,573,670 | 5,338 |
| Average equity | $8,302,000 | 5,479 |
| Average total loans | $40,231,330 | 5,593 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3516% | 6,857 |
| Cost of funding earning assets | 0.2506% | 7,004 |
| Net interest margin | 3.1011% | 6,035 |
| Noninterest income to average assets | 0.8501% | 1,946 |
| Noninterest expense to average assets | 3.8596% | 1,116 |
| Loan and lease loss provision to assets | 0.2955% | 2,115 |
| Net operating income to assets | -0.6046% | 6,874 |
| Return on assets (ROA) | -0.6046% | 6,900 |
| Pretax return on assets | -0.6046% | 6,865 |
| Return on Equity (ROE) | -6.3503% | 6,900 |
| Retained earnings to average equity (ytd only) | -6.3503% | 6,681 |
| Net charge-offs to loans | 0.2299% | 2,778 |
| Credit loss provision to net charge-offs | 282.6087% | 1,037 |
| Earnings coverage of net charge-offs (x) | -2.9565% | 4,642 |
| Efficiency ratio | 108.7068% | 361 |
| Assets per employee ($millions) | 3.2411% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6034% | 1,216 |
| Loan loss allowance to noncurrent loans | 38.3662% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 3.5184% | 1,630 |
| Noncurrent loans to loans | 6.7858% | 684 |
| Net loans and leases to total assets | 44.9726% | 5,898 |
| Net loans and leases to deposits | 49.8903% | 6,147 |
| Net loans and leases to core deposits | 50.8508% | 6,284 |
| Total domestic deposits to total assets | 90.1430% | 1,010 |
| Equity capital to assets | 9.5028% | 4,804 |
| Core capital (leverage) ratio | 9.1718% | 4,567 |
| Tier 1 risk-based capital ratio | 16.4031% | 2,959 |
| Total risk-based capital ratio | 17.6636% | 2,914 |
| Memoranda: | ||
| Average total assets | $87,989,500 | 5,270 |
| Average earning assets | $76,619,000 | 5,339 |
| Average equity | $8,377,500 | 5,478 |
| Average total loans | $40,025,500 | 5,641 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6317% | 6,912 |
| Cost of funding earning assets | 0.4185% | 6,837 |
| Net interest margin | 3.2132% | 6,049 |
| Noninterest income to average assets | 0.9473% | 1,513 |
| Noninterest expense to average assets | 4.8557% | 432 |
| Loan and lease loss provision to assets | 0.3614% | 2,838 |
| Net operating income to assets | -1.4778% | 6,902 |
| Return on assets (ROA) | -1.4778% | 6,925 |
| Pretax return on assets | -1.4778% | 6,893 |
| Return on Equity (ROE) | -14.4509% | 6,875 |
| Retained earnings to average equity (ytd only) | -14.4509% | 6,852 |
| Net charge-offs to loans | 0.7608% | 2,254 |
| Credit loss provision to net charge-offs | 105.4839% | 3,245 |
| Earnings coverage of net charge-offs (x) | -3.2581% | 6,331 |
| Efficiency ratio | 129.8552% | 232 |
| Assets per employee ($millions) | 3.1596% | 5,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5477% | 1,250 |
| Loan loss allowance to noncurrent loans | 54.0396% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 2.4936% | 2,438 |
| Noncurrent loans to loans | 4.7146% | 1,243 |
| Net loans and leases to total assets | 43.6689% | 6,242 |
| Net loans and leases to deposits | 48.4609% | 6,468 |
| Net loans and leases to core deposits | 49.1864% | 6,576 |
| Total domestic deposits to total assets | 90.1117% | 935 |
| Equity capital to assets | 9.5390% | 4,815 |
| Core capital (leverage) ratio | 9.5409% | 3,960 |
| Tier 1 risk-based capital ratio | 17.1151% | 2,546 |
| Total risk-based capital ratio | 18.3765% | 2,505 |
| Memoranda: | ||
| Average total assets | $90,470,400 | 5,165 |
| Average earning assets | $78,613,000 | 5,277 |
| Average equity | $9,252,000 | 5,217 |
| Average total loans | $40,748,000 | 5,657 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6737% | 6,954 |
| Cost of funding earning assets | 0.4425% | 6,903 |
| Net interest margin | 3.2312% | 6,075 |
| Noninterest income to average assets | 0.9190% | 1,582 |
| Noninterest expense to average assets | 4.3808% | 650 |
| Loan and lease loss provision to assets | 0.4793% | 2,075 |
| Net operating income to assets | -1.1373% | 6,933 |
| Return on assets (ROA) | -1.1373% | 6,959 |
| Pretax return on assets | -1.1373% | 6,919 |
| Return on Equity (ROE) | -10.9425% | 6,920 |
| Retained earnings to average equity (ytd only) | -10.9425% | 6,887 |
| Net charge-offs to loans | 1.0173% | 1,581 |
| Credit loss provision to net charge-offs | 104.4728% | 3,188 |
| Earnings coverage of net charge-offs (x) | -1.4345% | 5,980 |
| Efficiency ratio | 117.6772% | 330 |
| Assets per employee ($millions) | 3.5527% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5874% | 1,285 |
| Loan loss allowance to noncurrent loans | 54.0236% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 3.1631% | 2,022 |
| Noncurrent loans to loans | 4.7893% | 1,345 |
| Net loans and leases to total assets | 44.4654% | 6,285 |
| Net loans and leases to deposits | 50.0786% | 6,496 |
| Net loans and leases to core deposits | 51.3754% | 6,601 |
| Total domestic deposits to total assets | 88.7913% | 1,552 |
| Equity capital to assets | 10.5660% | 3,624 |
| Core capital (leverage) ratio | 10.0844% | 3,328 |
| Tier 1 risk-based capital ratio | 17.5890% | 2,400 |
| Total risk-based capital ratio | 18.8487% | 2,369 |
| Memoranda: | ||
| Average total assets | $90,971,000 | 5,202 |
| Average earning assets | $78,937,250 | 5,302 |
| Average equity | $9,455,250 | 5,189 |
| Average total loans | $41,024,250 | 5,695 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6371% | 7,073 |
| Cost of funding earning assets | 0.4754% | 6,931 |
| Net interest margin | 3.1618% | 6,256 |
| Noninterest income to average assets | 0.9583% | 1,436 |
| Noninterest expense to average assets | 4.1713% | 853 |
| Loan and lease loss provision to assets | 0.0581% | 5,588 |
| Net operating income to assets | -0.5211% | 6,706 |
| Return on assets (ROA) | -0.5211% | 6,736 |
| Pretax return on assets | -0.5211% | 6,674 |
| Return on Equity (ROE) | -5.0396% | 6,721 |
| Retained earnings to average equity (ytd only) | -5.0396% | 6,573 |
| Net charge-offs to loans | 0.0959% | 4,718 |
| Credit loss provision to net charge-offs | 135.0000% | 2,261 |
| Earnings coverage of net charge-offs (x) | -10.7500% | 5,829 |
| Efficiency ratio | 112.4855% | 434 |
| Assets per employee ($millions) | 3.2526% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5334% | 1,393 |
| Loan loss allowance to noncurrent loans | 49.0196% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 2.9186% | 2,300 |
| Noncurrent loans to loans | 5.1681% | 1,250 |
| Net loans and leases to total assets | 42.2446% | 6,576 |
| Net loans and leases to deposits | 47.5116% | 6,755 |
| Net loans and leases to core deposits | 48.6557% | 6,826 |
| Total domestic deposits to total assets | 88.9143% | 1,586 |
| Equity capital to assets | 10.4972% | 3,507 |
| Core capital (leverage) ratio | 10.0260% | 3,233 |
| Tier 1 risk-based capital ratio | 18.2250% | 2,096 |
| Total risk-based capital ratio | 19.4873% | 2,052 |
| Memoranda: | ||
| Average total assets | $92,873,330 | 5,176 |
| Average earning assets | $80,778,000 | 5,297 |
| Average equity | $9,604,000 | 5,153 |
| Average total loans | $41,725,670 | 5,719 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6581% | 7,099 |
| Cost of funding earning assets | 0.5149% | 6,919 |
| Net interest margin | 3.1432% | 6,235 |
| Noninterest income to average assets | 1.0579% | 1,175 |
| Noninterest expense to average assets | 4.2229% | 800 |
| Loan and lease loss provision to assets | 0.1152% | 4,573 |
| Net operating income to assets | -0.5460% | 6,831 |
| Return on assets (ROA) | -0.5460% | 6,833 |
| Pretax return on assets | -0.5460% | 6,777 |
| Return on Equity (ROE) | -5.3189% | 6,827 |
| Retained earnings to average equity (ytd only) | -5.3189% | 6,545 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3611% | 474 |
| Assets per employee ($millions) | 3.4009% | 5,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 1,494 |
| Loan loss allowance to noncurrent loans | 50.2216% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.7850% | 2,474 |
| Noncurrent loans to loans | 4.9308% | 1,372 |
| Net loans and leases to total assets | 42.1839% | 6,602 |
| Net loans and leases to deposits | 47.0441% | 6,796 |
| Net loans and leases to core deposits | 48.1130% | 6,872 |
| Total domestic deposits to total assets | 89.6688% | 1,378 |
| Equity capital to assets | 10.0624% | 3,697 |
| Core capital (leverage) ratio | 10.2880% | 2,814 |
| Tier 1 risk-based capital ratio | 17.7532% | 2,200 |
| Total risk-based capital ratio | 19.0118% | 2,162 |
| Memoranda: | ||
| Average total assets | $93,774,000 | 5,175 |
| Average earning assets | $81,572,500 | 5,312 |
| Average equity | $9,626,000 | 5,142 |
| Average total loans | $42,852,000 | 5,711 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4983% | 6,407 |
| Cost of funding earning assets | 0.7118% | 6,849 |
| Net interest margin | 3.7865% | 4,001 |
| Noninterest income to average assets | 1.3928% | 747 |
| Noninterest expense to average assets | 5.0215% | 403 |
| Loan and lease loss provision to assets | 0.3333% | 4,154 |
| Net operating income to assets | -1.0238% | 6,696 |
| Return on assets (ROA) | -1.0162% | 6,730 |
| Pretax return on assets | -0.7651% | 6,499 |
| Return on Equity (ROE) | -9.1043% | 6,681 |
| Retained earnings to average equity (ytd only) | -9.1043% | 6,599 |
| Net charge-offs to loans | 0.5839% | 3,288 |
| Credit loss provision to net charge-offs | 109.6085% | 4,023 |
| Earnings coverage of net charge-offs (x) | -1.4448% | 6,670 |
| Efficiency ratio | 109.5890% | 542 |
| Assets per employee ($millions) | 3.1835% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2308% | 1,818 |
| Loan loss allowance to noncurrent loans | 146.8935% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 1.6887% | 3,766 |
| Noncurrent loans to loans | 1.5186% | 4,208 |
| Net loans and leases to total assets | 47.1404% | 6,468 |
| Net loans and leases to deposits | 53.0324% | 6,671 |
| Net loans and leases to core deposits | 54.4598% | 6,786 |
| Total domestic deposits to total assets | 88.8900% | 1,723 |
| Equity capital to assets | 10.4742% | 3,178 |
| Core capital (leverage) ratio | 10.5172% | 2,540 |
| Tier 1 risk-based capital ratio | 16.8065% | 2,424 |
| Total risk-based capital ratio | 18.0733% | 2,382 |
| Memoranda: | ||
| Average total assets | $92,403,400 | 5,210 |
| Average earning assets | $77,828,800 | 5,416 |
| Average equity | $10,313,800 | 5,036 |
| Average total loans | $48,120,600 | 5,557 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7178% | 5,954 |
| Cost of funding earning assets | 0.7383% | 6,948 |
| Net interest margin | 3.9795% | 3,189 |
| Noninterest income to average assets | 1.2132% | 947 |
| Noninterest expense to average assets | 4.8962% | 409 |
| Loan and lease loss provision to assets | 0.3852% | 3,576 |
| Net operating income to assets | -0.4162% | 6,532 |
| Return on assets (ROA) | -0.4097% | 6,569 |
| Pretax return on assets | -0.7300% | 6,699 |
| Return on Equity (ROE) | -3.6150% | 6,545 |
| Retained earnings to average equity (ytd only) | -3.6150% | 6,419 |
| Net charge-offs to loans | 0.6310% | 2,857 |
| Credit loss provision to net charge-offs | 115.0862% | 3,630 |
| Earnings coverage of net charge-offs (x) | -1.0603% | 6,451 |
| Efficiency ratio | 107.8145% | 562 |
| Assets per employee ($millions) | 3.1471% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8048% | 2,770 |
| Loan loss allowance to noncurrent loans | 112.4719% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.9427% | 3,548 |
| Noncurrent loans to loans | 1.6047% | 4,236 |
| Net loans and leases to total assets | 59.6728% | 4,971 |
| Net loans and leases to deposits | 68.8604% | 5,304 |
| Net loans and leases to core deposits | 71.4083% | 5,585 |
| Total domestic deposits to total assets | 86.6577% | 2,713 |
| Equity capital to assets | 11.3810% | 2,616 |
| Core capital (leverage) ratio | 11.0937% | 2,195 |
| Tier 1 risk-based capital ratio | 16.1397% | 2,702 |
| Total risk-based capital ratio | 17.3953% | 2,647 |
| Memoranda: | ||
| Average total assets | $92,423,750 | 5,275 |
| Average earning assets | $77,293,500 | 5,504 |
| Average equity | $10,474,750 | 5,063 |
| Average total loans | $49,022,250 | 5,606 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 6,645 |
| Cost of funding earning assets | 0.7701% | 7,003 |
| Net interest margin | 3.7577% | 4,099 |
| Noninterest income to average assets | 1.2499% | 831 |
| Noninterest expense to average assets | 4.4392% | 617 |
| Loan and lease loss provision to assets | 0.3232% | 3,805 |
| Net operating income to assets | -0.2058% | 6,364 |
| Return on assets (ROA) | -0.1961% | 6,402 |
| Pretax return on assets | -0.3642% | 6,486 |
| Return on Equity (ROE) | -1.7327% | 6,399 |
| Retained earnings to average equity (ytd only) | -1.7327% | 6,108 |
| Net charge-offs to loans | 0.5760% | 2,810 |
| Credit loss provision to net charge-offs | 111.1111% | 3,644 |
| Earnings coverage of net charge-offs (x) | -0.1926% | 5,870 |
| Efficiency ratio | 101.2783% | 762 |
| Assets per employee ($millions) | 3.2248% | 5,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 2,047 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 2.6487% | 2,729 |
| Noncurrent loans to loans | 1.3749% | 4,644 |
| Net loans and leases to total assets | 49.8145% | 6,454 |
| Net loans and leases to deposits | 56.6285% | 6,677 |
| Net loans and leases to core deposits | 57.6174% | 6,856 |
| Total domestic deposits to total assets | 87.9672% | 2,022 |
| Equity capital to assets | 11.2587% | 2,630 |
| Core capital (leverage) ratio | 11.2340% | 2,079 |
| Tier 1 risk-based capital ratio | 16.9095% | 2,320 |
| Total risk-based capital ratio | 18.1618% | 2,272 |
| Memoranda: | ||
| Average total assets | $92,809,670 | 5,287 |
| Average earning assets | $77,388,670 | 5,534 |
| Average equity | $10,504,000 | 5,057 |
| Average total loans | $46,875,670 | 5,723 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 6,687 |
| Cost of funding earning assets | 0.8319% | 6,991 |
| Net interest margin | 3.7146% | 4,167 |
| Noninterest income to average assets | 1.5662% | 498 |
| Noninterest expense to average assets | 4.4130% | 633 |
| Loan and lease loss provision to assets | 0.6490% | 1,955 |
| Net operating income to assets | -0.4240% | 6,782 |
| Return on assets (ROA) | -0.4240% | 6,816 |
| Pretax return on assets | -0.4240% | 6,733 |
| Return on Equity (ROE) | -3.7364% | 6,804 |
| Retained earnings to average equity (ytd only) | -3.7364% | 6,467 |
| Net charge-offs to loans | 0.3954% | 2,855 |
| Credit loss provision to net charge-offs | 326.0870% | 1,213 |
| Earnings coverage of net charge-offs (x) | 1.1304% | 4,090 |
| Efficiency ratio | 95.1493% | 1,069 |
| Assets per employee ($millions) | 3.1434% | 5,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3639% | 1,469 |
| Loan loss allowance to noncurrent loans | 81.2453% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 3.3287% | 2,145 |
| Noncurrent loans to loans | 2.9096% | 2,769 |
| Net loans and leases to total assets | 46.8643% | 6,762 |
| Net loans and leases to deposits | 53.1018% | 6,975 |
| Net loans and leases to core deposits | 54.3364% | 7,088 |
| Total domestic deposits to total assets | 88.2537% | 1,924 |
| Equity capital to assets | 11.0878% | 2,686 |
| Core capital (leverage) ratio | 11.3931% | 1,968 |
| Tier 1 risk-based capital ratio | 17.2353% | 2,182 |
| Total risk-based capital ratio | 18.4941% | 2,133 |
| Memoranda: | ||
| Average total assets | $92,455,000 | 5,369 |
| Average earning assets | $76,454,500 | 5,623 |
| Average equity | $10,491,500 | 5,104 |
| Average total loans | $46,530,000 | 5,816 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4315% | 4,527 |
| Cost of funding earning assets | 1.1875% | 6,697 |
| Net interest margin | 4.2440% | 1,920 |
| Noninterest income to average assets | 1.4881% | 648 |
| Noninterest expense to average assets | 4.7254% | 640 |
| Loan and lease loss provision to assets | 0.8381% | 2,631 |
| Net operating income to assets | -0.3549% | 6,035 |
| Return on assets (ROA) | -0.4892% | 6,161 |
| Pretax return on assets | -0.7766% | 6,252 |
| Return on Equity (ROE) | -4.0264% | 6,114 |
| Retained earnings to average equity (ytd only) | -4.0264% | 5,868 |
| Net charge-offs to loans | 1.2931% | 1,919 |
| Credit loss provision to net charge-offs | 107.9295% | 5,131 |
| Earnings coverage of net charge-offs (x) | 0.3495% | 5,763 |
| Efficiency ratio | 94.5687% | 1,373 |
| Assets per employee ($millions) | 3.2360% | 5,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0232% | 1,972 |
| Loan loss allowance to noncurrent loans | 62.5890% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 3.7160% | 1,793 |
| Noncurrent loans to loans | 3.2325% | 2,359 |
| Net loans and leases to total assets | 51.6831% | 6,454 |
| Net loans and leases to deposits | 59.3930% | 6,679 |
| Net loans and leases to core deposits | 68.0941% | 6,875 |
| Total domestic deposits to total assets | 87.0188% | 2,495 |
| Equity capital to assets | 11.6182% | 2,236 |
| Core capital (leverage) ratio | 11.7325% | 1,796 |
| Tier 1 risk-based capital ratio | 16.2563% | 2,411 |
| Total risk-based capital ratio | 17.5244% | 2,349 |
| Memoranda: | ||
| Average total assets | $87,695,400 | 5,463 |
| Average earning assets | $72,502,400 | 5,737 |
| Average equity | $10,654,600 | 5,120 |
| Average total loans | $52,662,200 | 5,558 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6235% | 3,727 |
| Cost of funding earning assets | 1.2513% | 6,719 |
| Net interest margin | 4.3722% | 1,522 |
| Noninterest income to average assets | 1.6159% | 563 |
| Noninterest expense to average assets | 4.5916% | 664 |
| Loan and lease loss provision to assets | 1.1268% | 1,737 |
| Net operating income to assets | -0.4814% | 6,408 |
| Return on assets (ROA) | -0.7635% | 6,667 |
| Pretax return on assets | -0.7635% | 6,523 |
| Return on Equity (ROE) | -6.2133% | 6,577 |
| Retained earnings to average equity (ytd only) | -6.2133% | 6,410 |
| Net charge-offs to loans | 1.6481% | 1,233 |
| Credit loss provision to net charge-offs | 110.3604% | 4,610 |
| Earnings coverage of net charge-offs (x) | 0.6321% | 5,395 |
| Efficiency ratio | 87.6756% | 1,901 |
| Assets per employee ($millions) | 3.1965% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 1,718 |
| Loan loss allowance to noncurrent loans | 60.4436% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 4.0938% | 1,546 |
| Noncurrent loans to loans | 3.3655% | 2,243 |
| Net loans and leases to total assets | 52.7854% | 6,524 |
| Net loans and leases to deposits | 61.3065% | 6,732 |
| Net loans and leases to core deposits | 74.1327% | 6,723 |
| Total domestic deposits to total assets | 86.1009% | 2,648 |
| Equity capital to assets | 11.6947% | 2,439 |
| Core capital (leverage) ratio | 11.7751% | 1,920 |
| Tier 1 risk-based capital ratio | 16.5016% | 2,429 |
| Total risk-based capital ratio | 17.7560% | 2,377 |
| Memoranda: | ||
| Average total assets | $86,967,250 | 5,516 |
| Average earning assets | $72,029,500 | 5,783 |
| Average equity | $10,686,500 | 5,147 |
| Average total loans | $53,878,750 | 5,560 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8369% | 2,865 |
| Cost of funding earning assets | 1.2899% | 6,839 |
| Net interest margin | 4.5470% | 1,060 |
| Noninterest income to average assets | 1.6581% | 536 |
| Noninterest expense to average assets | 4.6631% | 661 |
| Loan and lease loss provision to assets | 0.5063% | 3,008 |
| Net operating income to assets | 0.2462% | 5,102 |
| Return on assets (ROA) | 0.2462% | 5,199 |
| Pretax return on assets | 0.2462% | 5,339 |
| Return on Equity (ROE) | 1.9703% | 5,312 |
| Retained earnings to average equity (ytd only) | 1.9703% | 4,246 |
| Net charge-offs to loans | 0.8966% | 1,905 |
| Credit loss provision to net charge-offs | 87.2000% | 5,005 |
| Earnings coverage of net charge-offs (x) | 1.2960% | 4,552 |
| Efficiency ratio | 86.1063% | 2,219 |
| Assets per employee ($millions) | 3.1826% | 5,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6645% | 2,470 |
| Loan loss allowance to noncurrent loans | 208.2938% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 2.5058% | 2,569 |
| Noncurrent loans to loans | 0.7991% | 5,635 |
| Net loans and leases to total assets | 58.2739% | 5,927 |
| Net loans and leases to deposits | 68.3807% | 6,147 |
| Net loans and leases to core deposits | 84.0139% | 6,087 |
| Total domestic deposits to total assets | 85.2197% | 3,150 |
| Equity capital to assets | 12.2688% | 2,045 |
| Core capital (leverage) ratio | 12.4706% | 1,636 |
| Tier 1 risk-based capital ratio | 15.7892% | 2,697 |
| Total risk-based capital ratio | 16.9819% | 2,652 |
| Memoranda: | ||
| Average total assets | $86,122,330 | 5,581 |
| Average earning assets | $71,168,000 | 5,847 |
| Average equity | $10,759,670 | 5,149 |
| Average total loans | $55,763,330 | 5,519 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9034% | 2,778 |
| Cost of funding earning assets | 1.2851% | 7,065 |
| Net interest margin | 4.6183% | 911 |
| Noninterest income to average assets | 1.5598% | 569 |
| Noninterest expense to average assets | 4.8448% | 539 |
| Loan and lease loss provision to assets | 0.3214% | 3,402 |
| Net operating income to assets | 0.1985% | 5,664 |
| Return on assets (ROA) | 0.1985% | 5,833 |
| Pretax return on assets | 0.1985% | 5,940 |
| Return on Equity (ROE) | 1.5741% | 5,932 |
| Retained earnings to average equity (ytd only) | 1.5741% | 4,972 |
| Net charge-offs to loans | 0.5311% | 2,124 |
| Credit loss provision to net charge-offs | 89.4737% | 4,022 |
| Earnings coverage of net charge-offs (x) | 1.4474% | 4,010 |
| Efficiency ratio | 90.3084% | 1,702 |
| Assets per employee ($millions) | 2.9928% | 6,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 2,433 |
| Loan loss allowance to noncurrent loans | 104.7509% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 3.1247% | 1,798 |
| Noncurrent loans to loans | 1.5484% | 3,956 |
| Net loans and leases to total assets | 63.1752% | 5,127 |
| Net loans and leases to deposits | 74.3824% | 5,436 |
| Net loans and leases to core deposits | 91.2603% | 5,432 |
| Total domestic deposits to total assets | 84.9329% | 3,240 |
| Equity capital to assets | 12.2315% | 2,119 |
| Core capital (leverage) ratio | 13.3736% | 1,362 |
| Tier 1 risk-based capital ratio | 15.3241% | 2,931 |
| Total risk-based capital ratio | 16.5535% | 2,875 |
| Memoranda: | ||
| Average total assets | $84,627,500 | 5,655 |
| Average earning assets | $69,722,500 | 5,922 |
| Average equity | $10,673,000 | 5,194 |
| Average total loans | $57,241,000 | 5,486 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0961% | 926 |
| Cost of funding earning assets | 1.5873% | 7,474 |
| Net interest margin | 5.5088% | 203 |
| Noninterest income to average assets | 1.2679% | 915 |
| Noninterest expense to average assets | 4.8047% | 709 |
| Loan and lease loss provision to assets | 0.4975% | 2,823 |
| Net operating income to assets | 0.3565% | 5,324 |
| Return on assets (ROA) | 0.0934% | 5,972 |
| Pretax return on assets | 0.1560% | 5,830 |
| Return on Equity (ROE) | 0.7257% | 6,000 |
| Retained earnings to average equity (ytd only) | 0.7257% | 4,796 |
| Net charge-offs to loans | 0.4332% | 2,657 |
| Credit loss provision to net charge-offs | 154.7794% | 3,372 |
| Earnings coverage of net charge-offs (x) | 3.3125% | 4,426 |
| Efficiency ratio | 81.8603% | 2,318 |
| Assets per employee ($millions) | 2.9451% | 6,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 2,441 |
| Loan loss allowance to noncurrent loans | 36.3057% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 3.3979% | 1,316 |
| Noncurrent loans to loans | 4.2760% | 1,135 |
| Net loans and leases to total assets | 70.1345% | 3,982 |
| Net loans and leases to deposits | 83.7387% | 4,461 |
| Net loans and leases to core deposits | 99.3046% | 4,893 |
| Total domestic deposits to total assets | 83.7539% | 3,456 |
| Equity capital to assets | 13.0119% | 1,779 |
| Core capital (leverage) ratio | 13.5013% | 1,387 |
| Tier 1 risk-based capital ratio | 14.7498% | 3,172 |
| Total risk-based capital ratio | 16.0006% | 3,095 |
| Memoranda: | ||
| Average total assets | $84,625,800 | 5,533 |
| Average earning assets | $70,687,200 | 5,792 |
| Average equity | $10,885,600 | 5,157 |
| Average total loans | $62,788,000 | 5,148 |