Home > Citizens First State Bank of Walnut > Performance and Condition Ratios
Citizens First State Bank of Walnut, Performance and Condition Ratios
| 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 | 3.0950% | 3,688 |
| Cost of funding earning assets | 0.1377% | 3,958 |
| Net interest margin | 2.9574% | 3,336 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 5.6171% | 183 |
| Loan and lease loss provision to assets | 0.4400% | 121 |
| Net operating income to assets | -3.5491% | 4,747 |
| Return on assets (ROA) | -3.5491% | 4,746 |
| Pretax return on assets | -3.5491% | 4,743 |
| Return on Equity (ROE) | -48.6600% | 4,741 |
| Retained earnings to average equity (ytd only) | -48.6590% | 4,754 |
| Net charge-offs to loans | 0.8571% | 62 |
| Credit loss provision to net charge-offs | 121.5686% | 1,215 |
| Earnings coverage of net charge-offs (x) | -8.5098% | 4,734 |
| Efficiency ratio | 223.6467% | 21 |
| Assets per employee ($millions) | 7.6346% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,527 |
| Loan loss allowance to noncurrent loans | 27,600.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 4,012 |
| Noncurrent loans to loans | 0.0043% | 3,930 |
| Net loans and leases to total assets | 42.5300% | 3,967 |
| Net loans and leases to deposits | 45.4920% | 4,051 |
| Net loans and leases to core deposits | 46.0319% | 4,106 |
| Total domestic deposits to total assets | 93.5000% | 457 |
| Equity capital to assets | 6.3620% | 3,812 |
| Core capital (leverage) ratio | 6.0935% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9265% | 1,731 |
| Memoranda: | ||
| Average total assets | $55,899,500 | 4,411 |
| Average earning assets | $44,543,250 | 4,465 |
| Average equity | $4,077,250 | 4,570 |
| Average total loans | $23,801,750 | 4,379 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5941% | 4,279 |
| Cost of funding earning assets | 0.1279% | 3,867 |
| Net interest margin | 2.4662% | 4,138 |
| Noninterest income to average assets | 0.1481% | 4,279 |
| Noninterest expense to average assets | 2.3061% | 2,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.0176% | 4,570 |
| Return on assets (ROA) | 0.0176% | 4,543 |
| Pretax return on assets | 0.0176% | 4,535 |
| Return on Equity (ROE) | 0.2324% | 4,536 |
| Retained earnings to average equity (ytd only) | 0.2324% | 4,146 |
| Net charge-offs to loans | 0.0083% | 1,679 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 1,940 |
| Efficiency ratio | 99.2413% | 198 |
| Assets per employee ($millions) | 8.1576% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 3,554 |
| Loan loss allowance to noncurrent loans | 171.6312% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2469% | 2,093 |
| Noncurrent loans to loans | 0.5882% | 1,440 |
| Net loans and leases to total assets | 41.5582% | 4,001 |
| Net loans and leases to deposits | 44.6895% | 4,083 |
| Net loans and leases to core deposits | 45.1873% | 4,150 |
| Total domestic deposits to total assets | 92.9934% | 515 |
| Equity capital to assets | 6.8946% | 3,824 |
| Core capital (leverage) ratio | 8.5003% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7460% | 747 |
| Memoranda: | ||
| Average total assets | $56,718,667 | 4,449 |
| Average earning assets | $50,036,667 | 4,459 |
| Average equity | $4,303,000 | 4,592 |
| Average total loans | $24,066,667 | 4,430 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5374% | 4,217 |
| Cost of funding earning assets | 0.1273% | 3,807 |
| Net interest margin | 2.4101% | 4,050 |
| Noninterest income to average assets | 0.1415% | 4,301 |
| Noninterest expense to average assets | 2.3847% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.0991% | 4,594 |
| Return on assets (ROA) | -0.0991% | 4,577 |
| Pretax return on assets | -0.0991% | 4,569 |
| Return on Equity (ROE) | -1.2483% | 4,599 |
| Retained earnings to average equity (ytd only) | -1.2483% | 4,166 |
| Net charge-offs to loans | -0.0166% | 3,815 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3344% | 185 |
| Assets per employee ($millions) | 8.1006% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0295% | 3,594 |
| Loan loss allowance to noncurrent loans | 170.6294% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 2,137 |
| Noncurrent loans to loans | 0.6034% | 1,555 |
| Net loans and leases to total assets | 41.3675% | 3,927 |
| Net loans and leases to deposits | 44.7055% | 4,031 |
| Net loans and leases to core deposits | 45.2079% | 4,110 |
| Total domestic deposits to total assets | 92.5332% | 396 |
| Equity capital to assets | 7.3892% | 3,996 |
| Core capital (leverage) ratio | 8.5779% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3490% | 990 |
| Memoranda: | ||
| Average total assets | $56,526,500 | 4,475 |
| Average earning assets | $50,287,500 | 4,481 |
| Average equity | $4,486,000 | 4,612 |
| Average total loans | $24,113,500 | 4,449 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0812% | 3,722 |
| Cost of funding earning assets | 0.1715% | 3,760 |
| Net interest margin | 2.9097% | 3,421 |
| Noninterest income to average assets | 0.1487% | 4,407 |
| Noninterest expense to average assets | 2.2751% | 2,863 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5177% | 4,044 |
| Return on assets (ROA) | 0.5177% | 4,092 |
| Pretax return on assets | 0.5177% | 4,231 |
| Return on Equity (ROE) | 5.9593% | 3,784 |
| Retained earnings to average equity (ytd only) | 5.9593% | 2,378 |
| Net charge-offs to loans | 0.1229% | 736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 9.9655% | 2,234 |
| Efficiency ratio | 81.4625% | 724 |
| Assets per employee ($millions) | 8.0499% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,786 |
| Loan loss allowance to noncurrent loans | 167.5862% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 2,273 |
| Noncurrent loans to loans | 0.5912% | 1,662 |
| Net loans and leases to total assets | 43.0939% | 3,904 |
| Net loans and leases to deposits | 47.1679% | 4,040 |
| Net loans and leases to core deposits | 47.7082% | 4,105 |
| Total domestic deposits to total assets | 91.3628% | 364 |
| Equity capital to assets | 8.4864% | 4,054 |
| Core capital (leverage) ratio | 8.7241% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6868% | 793 |
| Memoranda: | ||
| Average total assets | $55,820,600 | 4,500 |
| Average earning assets | $50,726,400 | 4,498 |
| Average equity | $4,849,600 | 4,646 |
| Average total loans | $23,595,200 | 4,503 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2716% | 3,457 |
| Cost of funding earning assets | 0.1841% | 3,770 |
| Net interest margin | 3.0875% | 3,089 |
| Noninterest income to average assets | 0.1460% | 4,465 |
| Noninterest expense to average assets | 2.3272% | 2,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6297% | 3,951 |
| Return on assets (ROA) | 0.6297% | 4,004 |
| Pretax return on assets | 0.6297% | 4,192 |
| Return on Equity (ROE) | 7.2055% | 3,613 |
| Retained earnings to average equity (ytd only) | 7.2055% | 2,341 |
| Net charge-offs to loans | -0.0342% | 4,195 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7045% | 826 |
| Assets per employee ($millions) | 7.8726% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2655% | 2,651 |
| Loan loss allowance to noncurrent loans | 153.5912% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.4228% | 1,775 |
| Noncurrent loans to loans | 0.8240% | 1,386 |
| Net loans and leases to total assets | 39.3573% | 4,238 |
| Net loans and leases to deposits | 43.2880% | 4,335 |
| Net loans and leases to core deposits | 44.1399% | 4,374 |
| Total domestic deposits to total assets | 90.9196% | 394 |
| Equity capital to assets | 8.9297% | 3,897 |
| Core capital (leverage) ratio | 8.6361% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5291% | 877 |
| Memoranda: | ||
| Average total assets | $55,688,500 | 4,562 |
| Average earning assets | $50,697,750 | 4,562 |
| Average equity | $4,866,500 | 4,713 |
| Average total loans | $23,362,500 | 4,564 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6425% | 2,495 |
| Cost of funding earning assets | 0.1973% | 3,782 |
| Net interest margin | 3.4451% | 2,023 |
| Noninterest income to average assets | 0.1360% | 4,518 |
| Noninterest expense to average assets | 2.3550% | 2,605 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9055% | 3,203 |
| Return on assets (ROA) | 0.9055% | 3,279 |
| Pretax return on assets | 0.9055% | 3,649 |
| Return on Equity (ROE) | 10.4366% | 2,606 |
| Retained earnings to average equity (ytd only) | 10.4366% | 1,276 |
| Net charge-offs to loans | -0.0420% | 4,289 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2283% | 1,414 |
| Assets per employee ($millions) | 8.0890% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,962 |
| Loan loss allowance to noncurrent loans | 153.0387% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 1,966 |
| Noncurrent loans to loans | 0.7806% | 1,556 |
| Net loans and leases to total assets | 40.4606% | 4,273 |
| Net loans and leases to deposits | 44.3648% | 4,370 |
| Net loans and leases to core deposits | 45.2106% | 4,420 |
| Total domestic deposits to total assets | 91.1997% | 308 |
| Equity capital to assets | 8.6749% | 4,069 |
| Core capital (leverage) ratio | 8.5716% | 3,914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9984% | 805 |
| Memoranda: | ||
| Average total assets | $55,882,000 | 4,589 |
| Average earning assets | $50,680,000 | 4,592 |
| Average equity | $4,848,333 | 4,739 |
| Average total loans | $23,827,667 | 4,595 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0234% | 1,562 |
| Cost of funding earning assets | 0.2130% | 3,797 |
| Net interest margin | 3.8104% | 1,113 |
| Noninterest income to average assets | 0.1369% | 4,523 |
| Noninterest expense to average assets | 2.4932% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1241% | 2,403 |
| Return on assets (ROA) | 1.1241% | 2,476 |
| Pretax return on assets | 1.1241% | 3,053 |
| Return on Equity (ROE) | 12.9555% | 1,684 |
| Retained earnings to average equity (ytd only) | 12.9555% | 920 |
| Net charge-offs to loans | -0.0497% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9243% | 1,822 |
| Assets per employee ($millions) | 6.9800% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,181 |
| Loan loss allowance to noncurrent loans | 147.0588% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4280% | 2,118 |
| Noncurrent loans to loans | 0.7836% | 1,681 |
| Net loans and leases to total assets | 42.2421% | 4,216 |
| Net loans and leases to deposits | 46.3009% | 4,333 |
| Net loans and leases to core deposits | 47.1920% | 4,398 |
| Total domestic deposits to total assets | 91.2339% | 317 |
| Equity capital to assets | 8.6264% | 4,026 |
| Core capital (leverage) ratio | 8.4884% | 4,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1272% | 1,051 |
| Memoranda: | ||
| Average total assets | $55,511,500 | 4,612 |
| Average earning assets | $50,704,000 | 4,608 |
| Average equity | $4,816,500 | 4,762 |
| Average total loans | $24,148,000 | 4,612 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4848% | 4,057 |
| Cost of funding earning assets | 0.3698% | 3,768 |
| Net interest margin | 3.1150% | 3,593 |
| Noninterest income to average assets | 0.1618% | 4,488 |
| Noninterest expense to average assets | 2.5378% | 2,728 |
| Loan and lease loss provision to assets | -0.0975% | 4,955 |
| Net operating income to assets | 0.5458% | 3,915 |
| Return on assets (ROA) | 0.5458% | 4,012 |
| Pretax return on assets | 0.5458% | 4,186 |
| Return on Equity (ROE) | 6.0156% | 3,583 |
| Retained earnings to average equity (ytd only) | 6.0156% | 1,787 |
| Net charge-offs to loans | -0.0161% | 4,371 |
| Credit loss provision to net charge-offs | 1,250.0000% | 661 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9869% | 568 |
| Assets per employee ($millions) | 6.8979% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,398 |
| Loan loss allowance to noncurrent loans | 104.6154% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 1,609 |
| Noncurrent loans to loans | 1.0641% | 1,336 |
| Net loans and leases to total assets | 43.7834% | 4,260 |
| Net loans and leases to deposits | 48.0405% | 4,391 |
| Net loans and leases to core deposits | 48.9763% | 4,459 |
| Total domestic deposits to total assets | 91.1386% | 194 |
| Equity capital to assets | 8.7273% | 4,270 |
| Core capital (leverage) ratio | 8.4713% | 4,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6080% | 962 |
| Memoranda: | ||
| Average total assets | $51,303,400 | 4,632 |
| Average earning assets | $46,516,200 | 4,641 |
| Average equity | $4,654,600 | 4,790 |
| Average total loans | $24,867,800 | 4,618 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7001% | 3,801 |
| Cost of funding earning assets | 0.3977% | 3,819 |
| Net interest margin | 3.3024% | 3,180 |
| Noninterest income to average assets | 0.1642% | 4,480 |
| Noninterest expense to average assets | 2.6781% | 2,316 |
| Loan and lease loss provision to assets | -0.1331% | 5,005 |
| Net operating income to assets | 0.5881% | 3,806 |
| Return on assets (ROA) | 0.5881% | 3,908 |
| Pretax return on assets | 0.5881% | 4,121 |
| Return on Equity (ROE) | 6.4147% | 3,403 |
| Retained earnings to average equity (ytd only) | 6.4147% | 1,916 |
| Net charge-offs to loans | -0.0107% | 4,236 |
| Credit loss provision to net charge-offs | 2,500.0000% | 402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4607% | 531 |
| Assets per employee ($millions) | 6.6601% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0494% | 3,463 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 2,246 |
| Noncurrent loans to loans | 0.6218% | 2,243 |
| Net loans and leases to total assets | 47.7844% | 4,223 |
| Net loans and leases to deposits | 52.6142% | 4,388 |
| Net loans and leases to core deposits | 53.6757% | 4,463 |
| Total domestic deposits to total assets | 90.8204% | 207 |
| Equity capital to assets | 8.9826% | 4,133 |
| Core capital (leverage) ratio | 8.5720% | 4,206 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8716% | 1,285 |
| Memoranda: | ||
| Average total assets | $50,333,500 | 4,666 |
| Average earning assets | $45,258,750 | 4,681 |
| Average equity | $4,614,250 | 4,814 |
| Average total loans | $24,976,500 | 4,642 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9055% | 3,600 |
| Cost of funding earning assets | 0.4399% | 3,844 |
| Net interest margin | 3.4656% | 2,900 |
| Noninterest income to average assets | 0.1662% | 4,461 |
| Noninterest expense to average assets | 2.7801% | 2,135 |
| Loan and lease loss provision to assets | -0.2026% | 5,041 |
| Net operating income to assets | 0.7173% | 3,334 |
| Return on assets (ROA) | 0.7173% | 3,444 |
| Pretax return on assets | 0.7173% | 3,833 |
| Return on Equity (ROE) | 7.7683% | 2,837 |
| Retained earnings to average equity (ytd only) | 7.7683% | 1,378 |
| Net charge-offs to loans | -0.0081% | 4,147 |
| Credit loss provision to net charge-offs | 5,000.0000% | 236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3788% | 619 |
| Assets per employee ($millions) | 6.5735% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 3,127 |
| Loan loss allowance to noncurrent loans | 169.1824% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4925% | 2,364 |
| Noncurrent loans to loans | 0.6436% | 2,256 |
| Net loans and leases to total assets | 46.4631% | 4,341 |
| Net loans and leases to deposits | 51.1332% | 4,478 |
| Net loans and leases to core deposits | 52.1737% | 4,557 |
| Total domestic deposits to total assets | 90.8667% | 182 |
| Equity capital to assets | 8.9944% | 4,093 |
| Core capital (leverage) ratio | 8.7375% | 4,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1456% | 1,027 |
| Memoranda: | ||
| Average total assets | $49,351,000 | 4,698 |
| Average earning assets | $44,552,667 | 4,710 |
| Average equity | $4,557,000 | 4,848 |
| Average total loans | $24,725,333 | 4,668 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 4,024 |
| Cost of funding earning assets | 0.4798% | 4,032 |
| Net interest margin | 3.4235% | 3,232 |
| Noninterest income to average assets | 0.1927% | 4,397 |
| Noninterest expense to average assets | 2.9163% | 2,082 |
| Loan and lease loss provision to assets | -0.4190% | 5,095 |
| Net operating income to assets | 0.8045% | 2,895 |
| Return on assets (ROA) | 0.8045% | 2,984 |
| Pretax return on assets | 0.8045% | 3,402 |
| Return on Equity (ROE) | 8.5896% | 2,281 |
| Retained earnings to average equity (ytd only) | 8.5896% | 1,082 |
| Net charge-offs to loans | -0.0162% | 4,250 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3249% | 573 |
| Assets per employee ($millions) | 4.8621% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1051% | 3,179 |
| Loan loss allowance to noncurrent loans | 448.3333% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 3,131 |
| Noncurrent loans to loans | 0.2465% | 3,600 |
| Net loans and leases to total assets | 49.5095% | 4,264 |
| Net loans and leases to deposits | 54.6892% | 4,414 |
| Net loans and leases to core deposits | 55.5474% | 4,511 |
| Total domestic deposits to total assets | 90.5288% | 189 |
| Equity capital to assets | 9.3478% | 4,353 |
| Core capital (leverage) ratio | 9.1788% | 4,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5267% | 1,229 |
| Memoranda: | ||
| Average total assets | $47,732,500 | 4,748 |
| Average earning assets | $43,347,000 | 4,751 |
| Average equity | $4,470,500 | 4,898 |
| Average total loans | $24,736,500 | 4,700 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 4,193 |
| Cost of funding earning assets | 0.5552% | 3,848 |
| Net interest margin | 3.4725% | 3,530 |
| Noninterest income to average assets | 0.2216% | 4,339 |
| Noninterest expense to average assets | 2.8095% | 2,567 |
| Loan and lease loss provision to assets | -0.3851% | 5,157 |
| Net operating income to assets | 0.9724% | 2,941 |
| Return on assets (ROA) | 0.9724% | 3,027 |
| Pretax return on assets | 0.9724% | 3,535 |
| Return on Equity (ROE) | 10.9126% | 1,920 |
| Retained earnings to average equity (ytd only) | 10.9126% | 343 |
| Net charge-offs to loans | -0.6893% | 5,127 |
| Credit loss provision to net charge-offs | 104.0698% | 2,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7106% | 754 |
| Assets per employee ($millions) | 4.6844% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 2,087 |
| Loan loss allowance to noncurrent loans | 481.8182% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 2,535 |
| Noncurrent loans to loans | 0.2626% | 3,503 |
| Net loans and leases to total assets | 52.9716% | 4,151 |
| Net loans and leases to deposits | 58.5236% | 4,353 |
| Net loans and leases to core deposits | 59.4732% | 4,464 |
| Total domestic deposits to total assets | 90.5132% | 195 |
| Equity capital to assets | 9.3843% | 4,441 |
| Core capital (leverage) ratio | 9.2109% | 4,354 |
| Tier 1 risk-based capital ratio | 17.3013% | 1,961 |
| Total risk-based capital ratio | 18.5549% | 1,905 |
| Memoranda: | ||
| Average total assets | $46,484,800 | 4,806 |
| Average earning assets | $42,505,400 | 4,808 |
| Average equity | $4,142,000 | 4,975 |
| Average total loans | $24,953,000 | 4,748 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 4,371 |
| Cost of funding earning assets | 0.5614% | 3,862 |
| Net interest margin | 3.4347% | 3,775 |
| Noninterest income to average assets | 0.3937% | 3,361 |
| Noninterest expense to average assets | 2.8192% | 2,517 |
| Loan and lease loss provision to assets | -0.0862% | 5,150 |
| Net operating income to assets | 0.7903% | 3,704 |
| Return on assets (ROA) | 0.7903% | 3,778 |
| Pretax return on assets | 0.7903% | 4,140 |
| Return on Equity (ROE) | 8.9901% | 2,891 |
| Retained earnings to average equity (ytd only) | 8.9901% | 1,046 |
| Net charge-offs to loans | -0.9153% | 5,206 |
| Credit loss provision to net charge-offs | 17.5439% | 2,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0163% | 923 |
| Assets per employee ($millions) | 5.9108% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,323 |
| Loan loss allowance to noncurrent loans | 511.2903% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.3426% | 3,150 |
| Noncurrent loans to loans | 0.2411% | 3,680 |
| Net loans and leases to total assets | 53.7157% | 4,205 |
| Net loans and leases to deposits | 59.2544% | 4,414 |
| Net loans and leases to core deposits | 59.7788% | 4,544 |
| Total domestic deposits to total assets | 90.6526% | 144 |
| Equity capital to assets | 9.1782% | 4,679 |
| Core capital (leverage) ratio | 9.2667% | 4,406 |
| Tier 1 risk-based capital ratio | 15.7085% | 2,553 |
| Total risk-based capital ratio | 16.8619% | 2,534 |
| Memoranda: | ||
| Average total assets | $46,395,000 | 4,880 |
| Average earning assets | $42,273,000 | 4,880 |
| Average equity | $4,078,500 | 5,055 |
| Average total loans | $24,908,250 | 4,821 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 4,380 |
| Cost of funding earning assets | 0.5555% | 3,859 |
| Net interest margin | 3.4425% | 3,763 |
| Noninterest income to average assets | 0.1996% | 4,557 |
| Noninterest expense to average assets | 2.7724% | 2,683 |
| Loan and lease loss provision to assets | -0.1302% | 5,223 |
| Net operating income to assets | 0.7029% | 3,998 |
| Return on assets (ROA) | 0.7029% | 4,051 |
| Pretax return on assets | 0.7029% | 4,323 |
| Return on Equity (ROE) | 8.1176% | 3,237 |
| Retained earnings to average equity (ytd only) | 8.1176% | 1,341 |
| Net charge-offs to loans | -0.1623% | 5,097 |
| Credit loss provision to net charge-offs | 150.0000% | 1,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8794% | 741 |
| Assets per employee ($millions) | 5.0333% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2746% | 2,119 |
| Loan loss allowance to noncurrent loans | 484.6154% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 3,078 |
| Noncurrent loans to loans | 0.2630% | 3,588 |
| Net loans and leases to total assets | 53.8609% | 4,219 |
| Net loans and leases to deposits | 59.4445% | 4,457 |
| Net loans and leases to core deposits | 59.9911% | 4,572 |
| Total domestic deposits to total assets | 90.6071% | 173 |
| Equity capital to assets | 9.2914% | 4,583 |
| Core capital (leverage) ratio | 9.2426% | 4,415 |
| Tier 1 risk-based capital ratio | 16.8672% | 2,128 |
| Total risk-based capital ratio | 18.1187% | 2,069 |
| Memoranda: | ||
| Average total assets | $46,098,000 | 4,926 |
| Average earning assets | $42,121,000 | 4,921 |
| Average equity | $3,991,330 | 5,104 |
| Average total loans | $24,638,670 | 4,866 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 4,658 |
| Cost of funding earning assets | 0.5475% | 3,831 |
| Net interest margin | 3.2848% | 4,200 |
| Noninterest income to average assets | 0.2581% | 4,164 |
| Noninterest expense to average assets | 2.6410% | 3,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6108% | 4,202 |
| Return on assets (ROA) | 0.6108% | 4,244 |
| Pretax return on assets | 0.6108% | 4,492 |
| Return on Equity (ROE) | 7.3149% | 3,542 |
| Retained earnings to average equity (ytd only) | 7.3149% | 1,919 |
| Net charge-offs to loans | -0.2439% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2169% | 948 |
| Assets per employee ($millions) | 4.6539% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3801% | 1,750 |
| Loan loss allowance to noncurrent loans | 507.4627% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.3588% | 3,165 |
| Noncurrent loans to loans | 0.2720% | 3,590 |
| Net loans and leases to total assets | 52.2057% | 4,322 |
| Net loans and leases to deposits | 57.1792% | 4,539 |
| Net loans and leases to core deposits | 57.6869% | 4,653 |
| Total domestic deposits to total assets | 91.3019% | 119 |
| Equity capital to assets | 8.5670% | 4,947 |
| Core capital (leverage) ratio | 8.8309% | 4,771 |
| Tier 1 risk-based capital ratio | 16.5506% | 2,248 |
| Total risk-based capital ratio | 17.8021% | 2,199 |
| Memoranda: | ||
| Average total assets | $46,497,000 | 4,967 |
| Average earning assets | $42,376,500 | 4,969 |
| Average equity | $3,882,500 | 5,165 |
| Average total loans | $24,601,000 | 4,917 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8131% | 4,457 |
| Cost of funding earning assets | 0.4021% | 3,975 |
| Net interest margin | 3.4109% | 3,974 |
| Noninterest income to average assets | 0.2900% | 4,163 |
| Noninterest expense to average assets | 2.7761% | 2,767 |
| Loan and lease loss provision to assets | -0.0262% | 5,144 |
| Net operating income to assets | 0.6848% | 4,182 |
| Return on assets (ROA) | 0.6848% | 4,186 |
| Pretax return on assets | 0.6848% | 4,446 |
| Return on Equity (ROE) | 8.7169% | 3,139 |
| Retained earnings to average equity (ytd only) | 8.7169% | 971 |
| Net charge-offs to loans | -0.1812% | 5,253 |
| Credit loss provision to net charge-offs | 27.9070% | 3,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8254% | 887 |
| Assets per employee ($millions) | 4.6455% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 1,937 |
| Loan loss allowance to noncurrent loans | 477.9412% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3616% | 3,102 |
| Noncurrent loans to loans | 0.2768% | 3,573 |
| Net loans and leases to total assets | 52.1817% | 4,399 |
| Net loans and leases to deposits | 56.8851% | 4,626 |
| Net loans and leases to core deposits | 57.7703% | 4,710 |
| Total domestic deposits to total assets | 91.7318% | 93 |
| Equity capital to assets | 8.1326% | 5,115 |
| Core capital (leverage) ratio | 8.7495% | 4,847 |
| Tier 1 risk-based capital ratio | 16.3491% | 2,288 |
| Total risk-based capital ratio | 17.5990% | 2,229 |
| Memoranda: | ||
| Average total assets | $45,855,400 | 5,019 |
| Average earning assets | $42,275,800 | 5,008 |
| Average equity | $3,602,200 | 5,222 |
| Average total loans | $23,729,200 | 4,976 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,523 |
| Cost of funding earning assets | 0.3474% | 4,196 |
| Net interest margin | 3.4144% | 3,961 |
| Noninterest income to average assets | 0.3238% | 3,981 |
| Noninterest expense to average assets | 2.8705% | 2,395 |
| Loan and lease loss provision to assets | -0.0350% | 5,269 |
| Net operating income to assets | 0.6418% | 4,391 |
| Return on assets (ROA) | 0.6418% | 4,400 |
| Pretax return on assets | 0.6418% | 4,651 |
| Return on Equity (ROE) | 8.2437% | 3,446 |
| Retained earnings to average equity (ytd only) | 8.2437% | 1,539 |
| Net charge-offs to loans | -0.2097% | 5,308 |
| Credit loss provision to net charge-offs | 32.4324% | 2,957 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5503% | 740 |
| Assets per employee ($millions) | 4.5414% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3370% | 1,928 |
| Loan loss allowance to noncurrent loans | 469.1176% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 3,194 |
| Noncurrent loans to loans | 0.2850% | 3,665 |
| Net loans and leases to total assets | 51.8342% | 4,492 |
| Net loans and leases to deposits | 56.3508% | 4,733 |
| Net loans and leases to core deposits | 57.2457% | 4,812 |
| Total domestic deposits to total assets | 91.9849% | 82 |
| Equity capital to assets | 7.8940% | 5,212 |
| Core capital (leverage) ratio | 8.8714% | 4,830 |
| Tier 1 risk-based capital ratio | 16.5373% | 2,263 |
| Total risk-based capital ratio | 17.7953% | 2,199 |
| Memoranda: | ||
| Average total assets | $45,705,500 | 5,081 |
| Average earning assets | $42,212,500 | 5,071 |
| Average equity | $3,558,250 | 5,297 |
| Average total loans | $23,520,000 | 5,046 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 4,525 |
| Cost of funding earning assets | 0.3342% | 4,172 |
| Net interest margin | 3.3895% | 3,985 |
| Noninterest income to average assets | 0.3755% | 3,645 |
| Noninterest expense to average assets | 2.9387% | 2,234 |
| Loan and lease loss provision to assets | -0.0524% | 5,382 |
| Net operating income to assets | 0.6332% | 4,400 |
| Return on assets (ROA) | 0.6332% | 4,407 |
| Pretax return on assets | 0.6332% | 4,679 |
| Return on Equity (ROE) | 8.1706% | 3,430 |
| Retained earnings to average equity (ytd only) | 8.1706% | 1,550 |
| Net charge-offs to loans | -0.4016% | 5,414 |
| Credit loss provision to net charge-offs | 25.5319% | 2,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4988% | 722 |
| Assets per employee ($millions) | 4.9291% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 1,859 |
| Loan loss allowance to noncurrent loans | 283.6207% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 2,807 |
| Noncurrent loans to loans | 0.4828% | 2,987 |
| Net loans and leases to total assets | 53.4151% | 4,383 |
| Net loans and leases to deposits | 58.1340% | 4,634 |
| Net loans and leases to core deposits | 59.0731% | 4,746 |
| Total domestic deposits to total assets | 91.8827% | 100 |
| Equity capital to assets | 8.0384% | 5,214 |
| Core capital (leverage) ratio | 8.6650% | 4,981 |
| Tier 1 risk-based capital ratio | 16.4264% | 2,279 |
| Total risk-based capital ratio | 17.6790% | 2,226 |
| Memoranda: | ||
| Average total assets | $45,802,670 | 5,132 |
| Average earning assets | $42,484,670 | 5,118 |
| Average equity | $3,549,330 | 5,361 |
| Average total loans | $23,407,000 | 5,105 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6109% | 4,680 |
| Cost of funding earning assets | 0.3368% | 4,089 |
| Net interest margin | 3.2742% | 4,253 |
| Noninterest income to average assets | 0.5159% | 2,715 |
| Noninterest expense to average assets | 3.1812% | 1,608 |
| Loan and lease loss provision to assets | -0.1032% | 5,509 |
| Net operating income to assets | 0.4471% | 4,819 |
| Return on assets (ROA) | 0.4471% | 4,820 |
| Pretax return on assets | 0.4471% | 4,961 |
| Return on Equity (ROE) | 5.8740% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.8740% | 2,770 |
| Net charge-offs to loans | -0.4329% | 5,485 |
| Credit loss provision to net charge-offs | 48.0000% | 1,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2439% | 433 |
| Assets per employee ($millions) | 5.1328% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,159 |
| Loan loss allowance to noncurrent loans | 432.3944% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 3,345 |
| Noncurrent loans to loans | 0.3049% | 3,676 |
| Net loans and leases to total assets | 49.7521% | 4,578 |
| Net loans and leases to deposits | 53.8597% | 4,805 |
| Net loans and leases to core deposits | 54.6889% | 4,893 |
| Total domestic deposits to total assets | 92.3736% | 73 |
| Equity capital to assets | 7.5614% | 5,400 |
| Core capital (leverage) ratio | 8.2282% | 5,296 |
| Tier 1 risk-based capital ratio | 14.6709% | 3,040 |
| Total risk-based capital ratio | 15.8518% | 2,974 |
| Memoranda: | ||
| Average total assets | $46,523,000 | 5,175 |
| Average earning assets | $42,759,000 | 5,168 |
| Average equity | $3,541,000 | 5,417 |
| Average total loans | $23,098,000 | 5,171 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6726% | 4,401 |
| Cost of funding earning assets | 0.4011% | 3,249 |
| Net interest margin | 3.2715% | 4,245 |
| Noninterest income to average assets | 0.2533% | 4,616 |
| Noninterest expense to average assets | 2.9869% | 2,195 |
| Loan and lease loss provision to assets | -0.1597% | 5,546 |
| Net operating income to assets | 0.4130% | 4,648 |
| Return on assets (ROA) | 0.4130% | 4,674 |
| Pretax return on assets | 0.4130% | 5,073 |
| Return on Equity (ROE) | 5.6164% | 3,911 |
| Retained earnings to average equity (ytd only) | 5.6164% | 1,759 |
| Net charge-offs to loans | 0.0353% | 3,089 |
| Credit loss provision to net charge-offs | -937.5000% | 5,055 |
| Earnings coverage of net charge-offs (x) | 14.8750% | 2,289 |
| Efficiency ratio | 92.1813% | 348 |
| Assets per employee ($millions) | 5.2057% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2835% | 2,303 |
| Loan loss allowance to noncurrent loans | 397.2973% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3714% | 3,379 |
| Noncurrent loans to loans | 0.3231% | 3,613 |
| Net loans and leases to total assets | 48.2636% | 4,749 |
| Net loans and leases to deposits | 52.3317% | 4,970 |
| Net loans and leases to core deposits | 53.1222% | 5,037 |
| Total domestic deposits to total assets | 92.2264% | 66 |
| Equity capital to assets | 7.6605% | 5,501 |
| Core capital (leverage) ratio | 8.1751% | 5,362 |
| Tier 1 risk-based capital ratio | 16.8225% | 2,152 |
| Total risk-based capital ratio | 18.0763% | 2,104 |
| Memoranda: | ||
| Average total assets | $46,971,000 | 5,210 |
| Average earning assets | $42,885,000 | 5,211 |
| Average equity | $3,454,200 | 5,485 |
| Average total loans | $22,638,600 | 5,235 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5826% | 4,603 |
| Cost of funding earning assets | 0.3161% | 3,972 |
| Net interest margin | 3.2665% | 4,273 |
| Noninterest income to average assets | 0.2156% | 4,930 |
| Noninterest expense to average assets | 3.1261% | 1,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.0794% | 5,459 |
| Return on assets (ROA) | 0.0794% | 5,469 |
| Pretax return on assets | 0.0794% | 5,469 |
| Return on Equity (ROE) | 1.0914% | 5,422 |
| Retained earnings to average equity (ytd only) | 1.0914% | 4,951 |
| Net charge-offs to loans | 0.0532% | 2,380 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 3.1108% | 3,376 |
| Efficiency ratio | 97.5221% | 212 |
| Assets per employee ($millions) | 5.2666% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 1,106 |
| Loan loss allowance to noncurrent loans | 465.8228% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 3,516 |
| Noncurrent loans to loans | 0.3566% | 3,676 |
| Net loans and leases to total assets | 45.9588% | 4,943 |
| Net loans and leases to deposits | 49.8171% | 5,133 |
| Net loans and leases to core deposits | 50.5605% | 5,180 |
| Total domestic deposits to total assets | 92.2551% | 47 |
| Equity capital to assets | 7.6078% | 5,606 |
| Core capital (leverage) ratio | 7.9887% | 5,515 |
| Tier 1 risk-based capital ratio | 16.0317% | 2,487 |
| Total risk-based capital ratio | 17.2858% | 2,426 |
| Memoranda: | ||
| Average total assets | $47,001,000 | 5,268 |
| Average earning assets | $43,021,500 | 5,265 |
| Average equity | $3,420,500 | 5,550 |
| Average total loans | $22,571,750 | 5,295 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5759% | 4,574 |
| Cost of funding earning assets | 0.3238% | 3,853 |
| Net interest margin | 3.2520% | 4,257 |
| Noninterest income to average assets | 0.2134% | 4,978 |
| Noninterest expense to average assets | 2.9700% | 2,196 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2432% | 5,333 |
| Return on assets (ROA) | 0.2432% | 5,352 |
| Pretax return on assets | 0.2432% | 5,396 |
| Return on Equity (ROE) | 3.3942% | 5,001 |
| Retained earnings to average equity (ytd only) | 3.3942% | 3,692 |
| Net charge-offs to loans | 0.1145% | 1,493 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.3846% | 2,938 |
| Efficiency ratio | 92.4303% | 350 |
| Assets per employee ($millions) | 5.0459% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 1,161 |
| Loan loss allowance to noncurrent loans | 391.3978% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 3,415 |
| Noncurrent loans to loans | 0.4210% | 3,515 |
| Net loans and leases to total assets | 47.8453% | 4,832 |
| Net loans and leases to deposits | 52.0269% | 5,058 |
| Net loans and leases to core deposits | 52.8366% | 5,122 |
| Total domestic deposits to total assets | 91.9627% | 77 |
| Equity capital to assets | 7.9999% | 5,538 |
| Core capital (leverage) ratio | 8.1553% | 5,455 |
| Tier 1 risk-based capital ratio | 16.4851% | 2,330 |
| Total risk-based capital ratio | 17.7376% | 2,275 |
| Memoranda: | ||
| Average total assets | $46,868,330 | 5,314 |
| Average earning assets | $43,234,330 | 5,303 |
| Average equity | $3,358,670 | 5,601 |
| Average total loans | $22,711,670 | 5,330 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 4,678 |
| Cost of funding earning assets | 0.3221% | 3,831 |
| Net interest margin | 3.1838% | 4,395 |
| Noninterest income to average assets | 0.2101% | 5,007 |
| Noninterest expense to average assets | 3.0675% | 1,962 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0504% | 5,568 |
| Return on assets (ROA) | 0.0336% | 5,591 |
| Pretax return on assets | 0.0336% | 5,584 |
| Return on Equity (ROE) | 0.4967% | 5,565 |
| Retained earnings to average equity (ytd only) | 0.4967% | 4,805 |
| Net charge-offs to loans | 0.2606% | 697 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.4000% | 2,821 |
| Efficiency ratio | 98.3827% | 255 |
| Assets per employee ($millions) | 5.1973% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 1,352 |
| Loan loss allowance to noncurrent loans | 354.9020% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 3,465 |
| Noncurrent loans to loans | 0.4540% | 3,470 |
| Net loans and leases to total assets | 47.2529% | 4,874 |
| Net loans and leases to deposits | 50.8957% | 5,069 |
| Net loans and leases to core deposits | 51.6570% | 5,160 |
| Total domestic deposits to total assets | 92.8425% | 39 |
| Equity capital to assets | 6.9587% | 5,760 |
| Core capital (leverage) ratio | 7.3226% | 5,733 |
| Tier 1 risk-based capital ratio | 14.9481% | 2,990 |
| Total risk-based capital ratio | 16.2014% | 2,917 |
| Memoranda: | ||
| Average total assets | $47,596,000 | 5,360 |
| Average earning assets | $43,470,500 | 5,359 |
| Average equity | $3,221,500 | 5,678 |
| Average total loans | $23,021,500 | 5,373 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4434% | 4,896 |
| Cost of funding earning assets | 0.4166% | 2,843 |
| Net interest margin | 3.0268% | 4,904 |
| Noninterest income to average assets | 0.1106% | 5,614 |
| Noninterest expense to average assets | 3.1045% | 2,020 |
| Loan and lease loss provision to assets | -0.2899% | 5,839 |
| Net operating income to assets | 0.0667% | 5,597 |
| Return on assets (ROA) | 0.2136% | 5,455 |
| Pretax return on assets | 0.2136% | 5,487 |
| Return on Equity (ROE) | 3.3062% | 5,072 |
| Retained earnings to average equity (ytd only) | 3.3062% | 3,568 |
| Net charge-offs to loans | 0.2497% | 1,113 |
| Credit loss provision to net charge-offs | -241.2698% | 5,030 |
| Earnings coverage of net charge-offs (x) | -1.8571% | 4,189 |
| Efficiency ratio | 107.7432% | 143 |
| Assets per employee ($millions) | 5.3796% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 1,380 |
| Loan loss allowance to noncurrent loans | 243.2258% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 3,994 |
| Noncurrent loans to loans | 0.6574% | 2,885 |
| Net loans and leases to total assets | 47.9201% | 4,904 |
| Net loans and leases to deposits | 51.4207% | 5,150 |
| Net loans and leases to core deposits | 52.1570% | 5,222 |
| Total domestic deposits to total assets | 93.1923% | 35 |
| Equity capital to assets | 6.5846% | 5,833 |
| Core capital (leverage) ratio | 7.0385% | 5,807 |
| Tier 1 risk-based capital ratio | 14.2100% | 3,342 |
| Total risk-based capital ratio | 15.4712% | 3,269 |
| Memoranda: | ||
| Average total assets | $52,440,200 | 5,299 |
| Average earning assets | $48,005,200 | 5,286 |
| Average equity | $3,387,600 | 5,713 |
| Average total loans | $25,227,600 | 5,342 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4361% | 4,947 |
| Cost of funding earning assets | 0.4227% | 2,811 |
| Net interest margin | 3.0134% | 4,991 |
| Noninterest income to average assets | 0.3118% | 4,540 |
| Noninterest expense to average assets | 3.0535% | 2,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0150% | 5,704 |
| Return on assets (ROA) | 0.0150% | 5,729 |
| Pretax return on assets | 0.0150% | 5,722 |
| Return on Equity (ROE) | 0.2327% | 5,726 |
| Retained earnings to average equity (ytd only) | 0.2327% | 5,287 |
| Net charge-offs to loans | 0.3120% | 740 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.1000% | 3,821 |
| Efficiency ratio | 99.5122% | 234 |
| Assets per employee ($millions) | 5.5402% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2179% | 498 |
| Loan loss allowance to noncurrent loans | 357.0470% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2988% | 4,223 |
| Noncurrent loans to loans | 0.6212% | 3,152 |
| Net loans and leases to total assets | 47.0398% | 5,017 |
| Net loans and leases to deposits | 50.6730% | 5,269 |
| Net loans and leases to core deposits | 51.3789% | 5,334 |
| Total domestic deposits to total assets | 92.8302% | 41 |
| Equity capital to assets | 7.0134% | 5,886 |
| Core capital (leverage) ratio | 6.4732% | 5,907 |
| Tier 1 risk-based capital ratio | 13.7474% | 3,708 |
| Total risk-based capital ratio | 15.0103% | 3,619 |
| Memoranda: | ||
| Average total assets | $53,446,250 | 5,331 |
| Average earning assets | $48,892,000 | 5,321 |
| Average equity | $3,437,500 | 5,770 |
| Average total loans | $25,640,000 | 5,381 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 5,000 |
| Cost of funding earning assets | 0.4499% | 2,566 |
| Net interest margin | 2.9911% | 5,101 |
| Noninterest income to average assets | 0.3294% | 4,423 |
| Noninterest expense to average assets | 2.9868% | 2,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0439% | 5,730 |
| Return on assets (ROA) | 0.0439% | 5,761 |
| Pretax return on assets | 0.0439% | 5,764 |
| Return on Equity (ROE) | 0.7022% | 5,728 |
| Retained earnings to average equity (ytd only) | 0.7022% | 5,093 |
| Net charge-offs to loans | 0.5498% | 382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 3,546 |
| Efficiency ratio | 98.5507% | 270 |
| Assets per employee ($millions) | 4.1374% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1133% | 611 |
| Loan loss allowance to noncurrent loans | 142.4658% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.6786% | 2,958 |
| Noncurrent loans to loans | 1.4834% | 1,482 |
| Net loans and leases to total assets | 44.7812% | 5,188 |
| Net loans and leases to deposits | 48.0672% | 5,419 |
| Net loans and leases to core deposits | 48.6822% | 5,476 |
| Total domestic deposits to total assets | 93.1636% | 29 |
| Equity capital to assets | 6.6263% | 5,984 |
| Core capital (leverage) ratio | 6.1716% | 5,999 |
| Tier 1 risk-based capital ratio | 12.6645% | 4,410 |
| Total risk-based capital ratio | 13.9200% | 4,312 |
| Memoranda: | ||
| Average total assets | $54,641,000 | 5,353 |
| Average earning assets | $49,346,330 | 5,369 |
| Average equity | $3,417,670 | 5,841 |
| Average total loans | $26,191,000 | 5,425 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5092% | 4,872 |
| Cost of funding earning assets | 0.4815% | 2,260 |
| Net interest margin | 3.0277% | 5,051 |
| Noninterest income to average assets | -0.2252% | 6,109 |
| Noninterest expense to average assets | 3.4139% | 1,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.9443% | 6,023 |
| Return on assets (ROA) | -0.3922% | 5,950 |
| Pretax return on assets | -0.3922% | 5,938 |
| Return on Equity (ROE) | -6.4584% | 5,995 |
| Retained earnings to average equity (ytd only) | -6.4584% | 5,694 |
| Net charge-offs to loans | 0.1631% | 1,154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -11.8182% | 3,064 |
| Efficiency ratio | 138.2353% | 56 |
| Assets per employee ($millions) | 4.2865% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1946% | 596 |
| Loan loss allowance to noncurrent loans | 119.8347% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8686% | 2,520 |
| Noncurrent loans to loans | 1.8313% | 1,214 |
| Net loans and leases to total assets | 46.3876% | 5,089 |
| Net loans and leases to deposits | 49.5609% | 5,366 |
| Net loans and leases to core deposits | 50.4420% | 5,428 |
| Total domestic deposits to total assets | 93.5970% | 27 |
| Equity capital to assets | 6.0441% | 6,068 |
| Core capital (leverage) ratio | 6.0098% | 6,065 |
| Tier 1 risk-based capital ratio | 13.0129% | 4,263 |
| Total risk-based capital ratio | 14.2739% | 4,168 |
| Memoranda: | ||
| Average total assets | $55,068,500 | 5,401 |
| Average earning assets | $49,014,000 | 5,427 |
| Average equity | $3,344,500 | 5,901 |
| Average total loans | $26,983,500 | 5,450 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 4,690 |
| Cost of funding earning assets | 0.4887% | 2,273 |
| Net interest margin | 3.1073% | 4,884 |
| Noninterest income to average assets | 0.2346% | 5,189 |
| Noninterest expense to average assets | 3.0854% | 2,281 |
| Loan and lease loss provision to assets | -0.1862% | 5,974 |
| Net operating income to assets | 0.2123% | 5,548 |
| Return on assets (ROA) | 0.2160% | 5,606 |
| Pretax return on assets | 0.2160% | 5,666 |
| Return on Equity (ROE) | 3.5618% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.5618% | 3,528 |
| Net charge-offs to loans | 0.0591% | 3,039 |
| Credit loss provision to net charge-offs | -588.2353% | 5,472 |
| Earnings coverage of net charge-offs (x) | 0.8235% | 4,175 |
| Efficiency ratio | 99.1622% | 302 |
| Assets per employee ($millions) | 4.1856% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1498% | 638 |
| Loan loss allowance to noncurrent loans | 113.8462% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 1.4280% | 1,464 |
| Noncurrent loans to loans | 1.8883% | 1,135 |
| Net loans and leases to total assets | 49.5213% | 4,911 |
| Net loans and leases to deposits | 52.9433% | 5,218 |
| Net loans and leases to core deposits | 53.9222% | 5,322 |
| Total domestic deposits to total assets | 93.5365% | 34 |
| Equity capital to assets | 6.1033% | 6,112 |
| Core capital (leverage) ratio | 6.2000% | 6,112 |
| Tier 1 risk-based capital ratio | 12.5511% | 4,601 |
| Total risk-based capital ratio | 13.8148% | 4,483 |
| Memoranda: | ||
| Average total assets | $53,704,400 | 5,462 |
| Average earning assets | $49,721,400 | 5,443 |
| Average equity | $3,256,800 | 5,963 |
| Average total loans | $28,752,600 | 5,412 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5436% | 4,882 |
| Cost of funding earning assets | 0.4883% | 2,329 |
| Net interest margin | 3.0553% | 5,061 |
| Noninterest income to average assets | 0.2341% | 5,256 |
| Noninterest expense to average assets | 3.0538% | 2,354 |
| Loan and lease loss provision to assets | 0.0673% | 2,836 |
| Net operating income to assets | -0.0349% | 5,960 |
| Return on assets (ROA) | -0.0299% | 5,988 |
| Pretax return on assets | -0.0299% | 5,984 |
| Return on Equity (ROE) | -0.4937% | 5,997 |
| Retained earnings to average equity (ytd only) | -0.4937% | 5,689 |
| Net charge-offs to loans | 0.0826% | 2,369 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 0.7221% | 3,917 |
| Efficiency ratio | 98.9508% | 322 |
| Assets per employee ($millions) | 4.0178% | 3,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4992% | 436 |
| Loan loss allowance to noncurrent loans | 98.0874% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 1.9164% | 1,087 |
| Noncurrent loans to loans | 2.5479% | 793 |
| Net loans and leases to total assets | 53.6280% | 4,601 |
| Net loans and leases to deposits | 57.4373% | 5,040 |
| Net loans and leases to core deposits | 58.5416% | 5,157 |
| Total domestic deposits to total assets | 93.3681% | 36 |
| Equity capital to assets | 6.3007% | 6,190 |
| Core capital (leverage) ratio | 6.0184% | 6,202 |
| Tier 1 risk-based capital ratio | 12.0544% | 5,045 |
| Total risk-based capital ratio | 13.3238% | 4,950 |
| Memoranda: | ||
| Average total assets | $53,527,250 | 5,541 |
| Average earning assets | $49,966,750 | 5,508 |
| Average equity | $3,240,750 | 6,043 |
| Average total loans | $29,056,250 | 5,466 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 4,896 |
| Cost of funding earning assets | 0.4783% | 2,445 |
| Net interest margin | 3.0571% | 5,072 |
| Noninterest income to average assets | 0.2002% | 5,479 |
| Noninterest expense to average assets | 3.0245% | 2,482 |
| Loan and lease loss provision to assets | 0.0667% | 2,781 |
| Net operating income to assets | -0.0482% | 6,023 |
| Return on assets (ROA) | -0.0482% | 6,055 |
| Pretax return on assets | -0.0482% | 6,045 |
| Return on Equity (ROE) | -0.8065% | 6,075 |
| Retained earnings to average equity (ytd only) | -0.8065% | 5,664 |
| Net charge-offs to loans | 0.1097% | 1,900 |
| Credit loss provision to net charge-offs | 112.5000% | 1,894 |
| Earnings coverage of net charge-offs (x) | 0.3125% | 3,674 |
| Efficiency ratio | 99.3910% | 338 |
| Assets per employee ($millions) | 4.1277% | 3,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4914% | 487 |
| Loan loss allowance to noncurrent loans | 84.5422% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.0574% | 1,053 |
| Noncurrent loans to loans | 2.9469% | 682 |
| Net loans and leases to total assets | 51.8580% | 4,767 |
| Net loans and leases to deposits | 55.3210% | 5,169 |
| Net loans and leases to core deposits | 56.3448% | 5,288 |
| Total domestic deposits to total assets | 93.7402% | 38 |
| Equity capital to assets | 5.9952% | 6,270 |
| Core capital (leverage) ratio | 5.9196% | 6,272 |
| Tier 1 risk-based capital ratio | 12.5015% | 4,804 |
| Total risk-based capital ratio | 13.7718% | 4,711 |
| Memoranda: | ||
| Average total assets | $53,959,000 | 5,584 |
| Average earning assets | $50,178,330 | 5,556 |
| Average equity | $3,224,000 | 6,106 |
| Average total loans | $29,165,330 | 5,508 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4941% | 4,987 |
| Cost of funding earning assets | 0.4776% | 2,474 |
| Net interest margin | 3.0166% | 5,165 |
| Noninterest income to average assets | 0.1552% | 5,810 |
| Noninterest expense to average assets | 3.0309% | 2,484 |
| Loan and lease loss provision to assets | 0.0665% | 2,606 |
| Net operating income to assets | -0.1405% | 6,123 |
| Return on assets (ROA) | -0.1405% | 6,144 |
| Pretax return on assets | -0.1405% | 6,136 |
| Return on Equity (ROE) | -2.3548% | 6,188 |
| Retained earnings to average equity (ytd only) | -2.3548% | 5,726 |
| Net charge-offs to loans | 0.0950% | 1,776 |
| Credit loss provision to net charge-offs | 128.5714% | 1,380 |
| Earnings coverage of net charge-offs (x) | -1.4286% | 3,190 |
| Efficiency ratio | 102.5000% | 303 |
| Assets per employee ($millions) | 4.1553% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4299% | 585 |
| Loan loss allowance to noncurrent loans | 111.4420% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.6679% | 1,513 |
| Noncurrent loans to loans | 2.1804% | 1,164 |
| Net loans and leases to total assets | 52.8518% | 4,571 |
| Net loans and leases to deposits | 56.4866% | 5,019 |
| Net loans and leases to core deposits | 57.5222% | 5,154 |
| Total domestic deposits to total assets | 93.5652% | 39 |
| Equity capital to assets | 6.0571% | 6,332 |
| Core capital (leverage) ratio | 6.0273% | 6,327 |
| Tier 1 risk-based capital ratio | 11.9308% | 5,282 |
| Total risk-based capital ratio | 13.2085% | 5,159 |
| Memoranda: | ||
| Average total assets | $54,108,500 | 5,637 |
| Average earning assets | $50,255,500 | 5,611 |
| Average equity | $3,227,500 | 6,166 |
| Average total loans | $29,479,000 | 5,539 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4213% | 5,489 |
| Cost of funding earning assets | 0.5451% | 2,243 |
| Net interest margin | 2.8762% | 5,688 |
| Noninterest income to average assets | 0.2689% | 5,200 |
| Noninterest expense to average assets | 2.7883% | 3,523 |
| Loan and lease loss provision to assets | 0.0604% | 3,321 |
| Net operating income to assets | 0.0073% | 6,083 |
| Return on assets (ROA) | 0.0073% | 6,105 |
| Pretax return on assets | 0.0073% | 6,089 |
| Return on Equity (ROE) | 0.1268% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.1268% | 5,718 |
| Net charge-offs to loans | 0.6951% | 535 |
| Credit loss provision to net charge-offs | 16.5000% | 4,016 |
| Earnings coverage of net charge-offs (x) | 0.1850% | 4,682 |
| Efficiency ratio | 97.6297% | 437 |
| Assets per employee ($millions) | 4.5165% | 3,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3874% | 633 |
| Loan loss allowance to noncurrent loans | 111.1285% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.5794% | 1,715 |
| Noncurrent loans to loans | 2.1484% | 1,256 |
| Net loans and leases to total assets | 53.4854% | 4,637 |
| Net loans and leases to deposits | 57.0551% | 5,122 |
| Net loans and leases to core deposits | 58.0875% | 5,258 |
| Total domestic deposits to total assets | 93.7433% | 41 |
| Equity capital to assets | 5.8729% | 6,419 |
| Core capital (leverage) ratio | 6.0029% | 6,407 |
| Tier 1 risk-based capital ratio | 11.6955% | 5,551 |
| Total risk-based capital ratio | 12.9588% | 5,450 |
| Memoranda: | ||
| Average total assets | $54,657,200 | 5,684 |
| Average earning assets | $49,162,000 | 5,698 |
| Average equity | $3,153,800 | 6,240 |
| Average total loans | $28,772,200 | 5,617 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5640% | 5,229 |
| Cost of funding earning assets | 0.5580% | 2,213 |
| Net interest margin | 3.0061% | 5,494 |
| Noninterest income to average assets | 0.2678% | 5,290 |
| Noninterest expense to average assets | 2.8189% | 3,388 |
| Loan and lease loss provision to assets | 0.0657% | 3,037 |
| Net operating income to assets | 0.0584% | 6,074 |
| Return on assets (ROA) | -0.0438% | 6,184 |
| Pretax return on assets | -0.0438% | 6,173 |
| Return on Equity (ROE) | -0.7628% | 6,210 |
| Retained earnings to average equity (ytd only) | -0.7628% | 5,925 |
| Net charge-offs to loans | 0.9016% | 358 |
| Credit loss provision to net charge-offs | 13.9896% | 3,651 |
| Earnings coverage of net charge-offs (x) | 0.2643% | 4,415 |
| Efficiency ratio | 95.7816% | 514 |
| Assets per employee ($millions) | 4.5433% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4253% | 705 |
| Loan loss allowance to noncurrent loans | 61.6319% | 4,732 |
| Noncurrent assets plus other real estate owned to assets | 2.7623% | 898 |
| Noncurrent loans to loans | 3.9351% | 549 |
| Net loans and leases to total assets | 52.3936% | 4,763 |
| Net loans and leases to deposits | 55.9166% | 5,246 |
| Net loans and leases to core deposits | 56.9194% | 5,396 |
| Total domestic deposits to total assets | 93.6996% | 51 |
| Equity capital to assets | 5.8364% | 6,491 |
| Core capital (leverage) ratio | 5.9317% | 6,485 |
| Tier 1 risk-based capital ratio | 11.7198% | 5,665 |
| Total risk-based capital ratio | 12.9871% | 5,574 |
| Memoranda: | ||
| Average total assets | $54,772,000 | 5,741 |
| Average earning assets | $48,745,000 | 5,773 |
| Average equity | $3,146,500 | 6,311 |
| Average total loans | $28,541,000 | 5,684 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4559% | 5,502 |
| Cost of funding earning assets | 0.5642% | 2,218 |
| Net interest margin | 2.8917% | 5,749 |
| Noninterest income to average assets | 0.2589% | 5,342 |
| Noninterest expense to average assets | 2.8438% | 3,356 |
| Loan and lease loss provision to assets | 0.0656% | 2,955 |
| Net operating income to assets | -0.1094% | 6,263 |
| Return on assets (ROA) | -0.1094% | 6,274 |
| Pretax return on assets | -0.1094% | 6,261 |
| Return on Equity (ROE) | -1.9141% | 6,329 |
| Retained earnings to average equity (ytd only) | -1.9141% | 5,982 |
| Net charge-offs to loans | 1.0955% | 305 |
| Credit loss provision to net charge-offs | 11.6129% | 3,287 |
| Earnings coverage of net charge-offs (x) | -0.0774% | 4,137 |
| Efficiency ratio | 101.5625% | 367 |
| Assets per employee ($millions) | 4.5208% | 2,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6027% | 608 |
| Loan loss allowance to noncurrent loans | 57.3758% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 3.0397% | 836 |
| Noncurrent loans to loans | 4.5362% | 483 |
| Net loans and leases to total assets | 50.9779% | 4,863 |
| Net loans and leases to deposits | 54.4036% | 5,325 |
| Net loans and leases to core deposits | 55.3776% | 5,450 |
| Total domestic deposits to total assets | 93.7031% | 58 |
| Equity capital to assets | 5.8803% | 6,540 |
| Core capital (leverage) ratio | 5.8830% | 6,549 |
| Tier 1 risk-based capital ratio | 11.8561% | 5,620 |
| Total risk-based capital ratio | 13.1244% | 5,533 |
| Memoranda: | ||
| Average total assets | $54,856,000 | 5,791 |
| Average earning assets | $48,207,000 | 5,835 |
| Average equity | $3,134,670 | 6,361 |
| Average total loans | $28,296,330 | 5,730 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5343% | 5,337 |
| Cost of funding earning assets | 0.5806% | 2,151 |
| Net interest margin | 2.9537% | 5,639 |
| Noninterest income to average assets | 0.2611% | 5,273 |
| Noninterest expense to average assets | 3.0312% | 2,762 |
| Loan and lease loss provision to assets | 0.0653% | 2,821 |
| Net operating income to assets | -0.2901% | 6,393 |
| Return on assets (ROA) | -0.2901% | 6,395 |
| Pretax return on assets | -0.2901% | 6,389 |
| Return on Equity (ROE) | -5.1497% | 6,473 |
| Retained earnings to average equity (ytd only) | -5.1497% | 6,130 |
| Net charge-offs to loans | 2.1382% | 114 |
| Credit loss provision to net charge-offs | 5.9603% | 2,643 |
| Earnings coverage of net charge-offs (x) | -0.2053% | 3,452 |
| Efficiency ratio | 108.0103% | 297 |
| Assets per employee ($millions) | 4.5644% | 2,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6337% | 688 |
| Loan loss allowance to noncurrent loans | 74.7454% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 2.4519% | 1,310 |
| Noncurrent loans to loans | 3.5235% | 822 |
| Net loans and leases to total assets | 49.5427% | 4,952 |
| Net loans and leases to deposits | 52.8493% | 5,394 |
| Net loans and leases to core deposits | 53.8178% | 5,512 |
| Total domestic deposits to total assets | 93.7433% | 70 |
| Equity capital to assets | 5.7510% | 6,587 |
| Core capital (leverage) ratio | 5.8404% | 6,606 |
| Tier 1 risk-based capital ratio | 11.8199% | 5,745 |
| Total risk-based capital ratio | 13.0883% | 5,672 |
| Memoranda: | ||
| Average total assets | $55,159,500 | 5,840 |
| Average earning assets | $47,533,500 | 5,900 |
| Average equity | $3,107,000 | 6,425 |
| Average total loans | $28,247,500 | 5,783 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 5,112 |
| Cost of funding earning assets | 0.6199% | 2,482 |
| Net interest margin | 3.0874% | 5,349 |
| Noninterest income to average assets | 0.2624% | 5,469 |
| Noninterest expense to average assets | 3.3067% | 2,124 |
| Loan and lease loss provision to assets | 0.3014% | 1,116 |
| Net operating income to assets | -0.6436% | 6,534 |
| Return on assets (ROA) | -0.6436% | 6,539 |
| Pretax return on assets | -0.6436% | 6,522 |
| Return on Equity (ROE) | -10.3685% | 6,589 |
| Retained earnings to average equity (ytd only) | -10.3685% | 6,541 |
| Net charge-offs to loans | 1.3129% | 384 |
| Credit loss provision to net charge-offs | 45.2128% | 3,933 |
| Earnings coverage of net charge-offs (x) | -0.5133% | 5,198 |
| Efficiency ratio | 94.9761% | 701 |
| Assets per employee ($millions) | 4.6288% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0603% | 435 |
| Loan loss allowance to noncurrent loans | 73.5516% | 4,381 |
| Noncurrent assets plus other real estate owned to assets | 2.7941% | 1,174 |
| Noncurrent loans to loans | 4.1607% | 677 |
| Net loans and leases to total assets | 49.9568% | 5,086 |
| Net loans and leases to deposits | 53.1590% | 5,536 |
| Net loans and leases to core deposits | 54.1095% | 5,664 |
| Total domestic deposits to total assets | 93.9762% | 83 |
| Equity capital to assets | 5.5161% | 6,654 |
| Core capital (leverage) ratio | 5.9368% | 6,657 |
| Tier 1 risk-based capital ratio | 11.7993% | 5,744 |
| Total risk-based capital ratio | 13.0754% | 5,658 |
| Memoranda: | ||
| Average total assets | $56,400,400 | 5,853 |
| Average earning assets | $49,361,200 | 5,910 |
| Average equity | $3,501,000 | 6,436 |
| Average total loans | $28,639,800 | 5,820 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6960% | 5,179 |
| Cost of funding earning assets | 0.6299% | 2,553 |
| Net interest margin | 3.0661% | 5,411 |
| Noninterest income to average assets | 0.2638% | 5,560 |
| Noninterest expense to average assets | 2.8261% | 3,574 |
| Loan and lease loss provision to assets | 0.4004% | 754 |
| Net operating income to assets | -0.2685% | 6,503 |
| Return on assets (ROA) | -0.2685% | 6,519 |
| Pretax return on assets | -0.2685% | 6,500 |
| Return on Equity (ROE) | -4.2102% | 6,578 |
| Retained earnings to average equity (ytd only) | -4.2102% | 6,455 |
| Net charge-offs to loans | 2.1365% | 166 |
| Credit loss provision to net charge-offs | 37.0370% | 3,763 |
| Earnings coverage of net charge-offs (x) | 0.1220% | 4,823 |
| Efficiency ratio | 95.1433% | 669 |
| Assets per employee ($millions) | 4.5948% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6739% | 772 |
| Loan loss allowance to noncurrent loans | 54.5017% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.6128% | 916 |
| Noncurrent loans to loans | 4.9061% | 624 |
| Net loans and leases to total assets | 52.3487% | 4,834 |
| Net loans and leases to deposits | 57.3940% | 5,242 |
| Net loans and leases to core deposits | 58.4564% | 5,416 |
| Total domestic deposits to total assets | 91.2093% | 455 |
| Equity capital to assets | 6.1537% | 6,679 |
| Core capital (leverage) ratio | 5.8943% | 6,726 |
| Tier 1 risk-based capital ratio | 11.1977% | 6,188 |
| Total risk-based capital ratio | 12.4423% | 6,160 |
| Memoranda: | ||
| Average total assets | $56,614,000 | 5,915 |
| Average earning assets | $49,746,750 | 5,961 |
| Average equity | $3,610,250 | 6,492 |
| Average total loans | $28,643,500 | 5,880 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6693% | 5,240 |
| Cost of funding earning assets | 0.6506% | 2,486 |
| Net interest margin | 3.0187% | 5,526 |
| Noninterest income to average assets | 0.2837% | 5,419 |
| Noninterest expense to average assets | 2.8824% | 3,392 |
| Loan and lease loss provision to assets | 0.1051% | 3,035 |
| Net operating income to assets | -0.0876% | 6,397 |
| Return on assets (ROA) | -0.0876% | 6,446 |
| Pretax return on assets | -0.0876% | 6,424 |
| Return on Equity (ROE) | -1.3577% | 6,485 |
| Retained earnings to average equity (ytd only) | -1.3577% | 6,106 |
| Net charge-offs to loans | 2.4377% | 159 |
| Credit loss provision to net charge-offs | 8.6957% | 3,916 |
| Earnings coverage of net charge-offs (x) | 0.0145% | 4,549 |
| Efficiency ratio | 98.7923% | 535 |
| Assets per employee ($millions) | 4.5689% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7340% | 757 |
| Loan loss allowance to noncurrent loans | 53.4868% | 5,054 |
| Noncurrent assets plus other real estate owned to assets | 3.7518% | 979 |
| Noncurrent loans to loans | 5.1116% | 618 |
| Net loans and leases to total assets | 49.7693% | 5,130 |
| Net loans and leases to deposits | 53.3470% | 5,575 |
| Net loans and leases to core deposits | 53.9365% | 5,761 |
| Total domestic deposits to total assets | 93.2935% | 102 |
| Equity capital to assets | 6.2943% | 6,716 |
| Core capital (leverage) ratio | 5.9402% | 6,759 |
| Tier 1 risk-based capital ratio | 11.6638% | 6,021 |
| Total risk-based capital ratio | 12.8330% | 6,022 |
| Memoranda: | ||
| Average total assets | $57,106,000 | 5,941 |
| Average earning assets | $49,491,330 | 6,009 |
| Average equity | $3,682,670 | 6,526 |
| Average total loans | $28,305,670 | 5,921 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 5,473 |
| Cost of funding earning assets | 0.6698% | 2,481 |
| Net interest margin | 2.9214% | 5,769 |
| Noninterest income to average assets | 0.3434% | 4,944 |
| Noninterest expense to average assets | 2.6715% | 4,181 |
| Loan and lease loss provision to assets | 0.1373% | 2,525 |
| Net operating income to assets | 0.0206% | 6,310 |
| Return on assets (ROA) | 0.0206% | 6,389 |
| Pretax return on assets | 0.0206% | 6,377 |
| Return on Equity (ROE) | 0.3159% | 6,371 |
| Retained earnings to average equity (ytd only) | 0.3159% | 5,688 |
| Net charge-offs to loans | 3.6157% | 82 |
| Credit loss provision to net charge-offs | 7.7821% | 3,171 |
| Earnings coverage of net charge-offs (x) | 0.0895% | 3,790 |
| Efficiency ratio | 93.6893% | 854 |
| Assets per employee ($millions) | 4.3868% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0614% | 617 |
| Loan loss allowance to noncurrent loans | 47.5788% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 4.0576% | 973 |
| Noncurrent loans to loans | 6.4343% | 501 |
| Net loans and leases to total assets | 46.9182% | 5,338 |
| Net loans and leases to deposits | 50.5641% | 5,744 |
| Net loans and leases to core deposits | 51.1010% | 5,891 |
| Total domestic deposits to total assets | 92.7896% | 145 |
| Equity capital to assets | 6.6492% | 6,771 |
| Core capital (leverage) ratio | 5.9546% | 6,808 |
| Tier 1 risk-based capital ratio | 12.1868% | 5,800 |
| Total risk-based capital ratio | 13.3679% | 5,792 |
| Memoranda: | ||
| Average total assets | $58,245,500 | 5,960 |
| Average earning assets | $49,566,000 | 6,060 |
| Average equity | $3,798,500 | 6,556 |
| Average total loans | $28,431,500 | 5,957 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 5,300 |
| Cost of funding earning assets | 0.9044% | 1,908 |
| Net interest margin | 3.0975% | 5,819 |
| Noninterest income to average assets | 0.2891% | 5,400 |
| Noninterest expense to average assets | 3.3635% | 2,144 |
| Loan and lease loss provision to assets | 0.0992% | 4,402 |
| Net operating income to assets | -0.5133% | 6,575 |
| Return on assets (ROA) | -0.5133% | 6,613 |
| Pretax return on assets | -0.5133% | 6,580 |
| Return on Equity (ROE) | -7.6860% | 6,675 |
| Retained earnings to average equity (ytd only) | -7.6860% | 6,559 |
| Net charge-offs to loans | 0.0333% | 5,449 |
| Credit loss provision to net charge-offs | 580.0000% | 422 |
| Earnings coverage of net charge-offs (x) | -24.2000% | 5,967 |
| Efficiency ratio | 107.8306% | 369 |
| Assets per employee ($millions) | 4.5740% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6978% | 359 |
| Loan loss allowance to noncurrent loans | 41.4083% | 5,557 |
| Noncurrent assets plus other real estate owned to assets | 4.9208% | 793 |
| Noncurrent loans to loans | 8.9300% | 298 |
| Net loans and leases to total assets | 47.3899% | 5,471 |
| Net loans and leases to deposits | 50.9133% | 5,895 |
| Net loans and leases to core deposits | 51.4253% | 6,056 |
| Total domestic deposits to total assets | 93.0796% | 122 |
| Equity capital to assets | 6.3990% | 6,855 |
| Core capital (leverage) ratio | 5.9308% | 6,864 |
| Tier 1 risk-based capital ratio | 11.6148% | 6,024 |
| Total risk-based capital ratio | 12.8960% | 5,964 |
| Memoranda: | ||
| Average total assets | $58,451,000 | 5,959 |
| Average earning assets | $50,201,400 | 6,042 |
| Average equity | $3,903,200 | 6,589 |
| Average total loans | $29,988,000 | 5,949 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 5,487 |
| Cost of funding earning assets | 0.9501% | 1,852 |
| Net interest margin | 3.0598% | 6,044 |
| Noninterest income to average assets | 0.3070% | 5,326 |
| Noninterest expense to average assets | 3.2761% | 2,341 |
| Loan and lease loss provision to assets | 0.3414% | 1,916 |
| Net operating income to assets | -0.6690% | 6,766 |
| Return on assets (ROA) | -0.6690% | 6,794 |
| Pretax return on assets | -0.6690% | 6,770 |
| Return on Equity (ROE) | -9.9120% | 6,858 |
| Retained earnings to average equity (ytd only) | -9.9120% | 6,811 |
| Net charge-offs to loans | 0.1414% | 3,984 |
| Credit loss provision to net charge-offs | 465.6250% | 576 |
| Earnings coverage of net charge-offs (x) | -4.4682% | 5,696 |
| Efficiency ratio | 110.4895% | 300 |
| Assets per employee ($millions) | 3.8131% | 4,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7801% | 367 |
| Loan loss allowance to noncurrent loans | 35.7232% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 6.6227% | 557 |
| Noncurrent loans to loans | 10.5816% | 220 |
| Net loans and leases to total assets | 51.2230% | 5,153 |
| Net loans and leases to deposits | 56.6616% | 5,572 |
| Net loans and leases to core deposits | 57.2685% | 5,784 |
| Total domestic deposits to total assets | 90.4016% | 632 |
| Equity capital to assets | 6.8955% | 6,894 |
| Core capital (leverage) ratio | 5.5795% | 6,972 |
| Tier 1 risk-based capital ratio | 10.4165% | 6,695 |
| Total risk-based capital ratio | 11.6449% | 6,679 |
| Memoranda: | ||
| Average total assets | $58,198,250 | 6,035 |
| Average earning assets | $50,241,500 | 6,107 |
| Average equity | $3,927,750 | 6,660 |
| Average total loans | $30,169,750 | 6,014 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9665% | 5,744 |
| Cost of funding earning assets | 0.9735% | 1,917 |
| Net interest margin | 2.9930% | 6,257 |
| Noninterest income to average assets | 0.2939% | 5,453 |
| Noninterest expense to average assets | 3.4443% | 1,922 |
| Loan and lease loss provision to assets | 0.4408% | 1,470 |
| Net operating income to assets | -1.0490% | 6,924 |
| Return on assets (ROA) | -1.0490% | 6,940 |
| Pretax return on assets | -1.0490% | 6,909 |
| Return on Equity (ROE) | -15.6540% | 6,986 |
| Retained earnings to average equity (ytd only) | -15.6540% | 6,953 |
| Net charge-offs to loans | 0.4455% | 2,268 |
| Credit loss provision to net charge-offs | 192.5373% | 1,470 |
| Earnings coverage of net charge-offs (x) | -2.6567% | 5,400 |
| Efficiency ratio | 120.8434% | 222 |
| Assets per employee ($millions) | 3.9503% | 3,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5925% | 463 |
| Loan loss allowance to noncurrent loans | 52.9469% | 4,958 |
| Noncurrent assets plus other real estate owned to assets | 4.5887% | 1,065 |
| Noncurrent loans to loans | 6.7851% | 591 |
| Net loans and leases to total assets | 49.6372% | 5,402 |
| Net loans and leases to deposits | 54.5576% | 5,815 |
| Net loans and leases to core deposits | 55.1127% | 6,017 |
| Total domestic deposits to total assets | 90.9812% | 451 |
| Equity capital to assets | 6.3928% | 6,998 |
| Core capital (leverage) ratio | 5.4368% | 7,036 |
| Tier 1 risk-based capital ratio | 9.6882% | 6,891 |
| Total risk-based capital ratio | 10.8601% | 6,899 |
| Memoranda: | ||
| Average total assets | $58,532,000 | 6,059 |
| Average earning assets | $49,716,330 | 6,166 |
| Average equity | $3,922,330 | 6,707 |
| Average total loans | $30,076,670 | 6,060 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 5,435 |
| Cost of funding earning assets | 0.9954% | 2,009 |
| Net interest margin | 3.1096% | 6,014 |
| Noninterest income to average assets | 0.3232% | 5,287 |
| Noninterest expense to average assets | 4.0433% | 889 |
| Loan and lease loss provision to assets | 0.6120% | 926 |
| Net operating income to assets | -1.7328% | 7,130 |
| Return on assets (ROA) | -1.7328% | 7,135 |
| Pretax return on assets | -1.7328% | 7,110 |
| Return on Equity (ROE) | -25.2663% | 7,148 |
| Retained earnings to average equity (ytd only) | -25.2663% | 7,105 |
| Net charge-offs to loans | 0.8975% | 1,145 |
| Credit loss provision to net charge-offs | 132.8358% | 1,838 |
| Earnings coverage of net charge-offs (x) | -2.4328% | 4,628 |
| Efficiency ratio | 137.6471% | 143 |
| Assets per employee ($millions) | 3.8466% | 4,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6436% | 487 |
| Loan loss allowance to noncurrent loans | 62.5222% | 4,396 |
| Noncurrent assets plus other real estate owned to assets | 3.9307% | 1,412 |
| Noncurrent loans to loans | 5.8278% | 882 |
| Net loans and leases to total assets | 48.3995% | 5,504 |
| Net loans and leases to deposits | 53.4776% | 5,863 |
| Net loans and leases to core deposits | 54.0374% | 6,053 |
| Total domestic deposits to total assets | 90.5042% | 802 |
| Equity capital to assets | 6.7228% | 6,975 |
| Core capital (leverage) ratio | 5.7215% | 7,065 |
| Tier 1 risk-based capital ratio | 10.7875% | 6,629 |
| Total risk-based capital ratio | 12.0375% | 6,618 |
| Memoranda: | ||
| Average total assets | $58,171,000 | 6,114 |
| Average earning assets | $48,624,000 | 6,254 |
| Average equity | $3,989,500 | 6,716 |
| Average total loans | $29,861,000 | 6,117 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4487% | 5,251 |
| Cost of funding earning assets | 1.2033% | 2,006 |
| Net interest margin | 3.2453% | 5,970 |
| Noninterest income to average assets | 0.3047% | 5,359 |
| Noninterest expense to average assets | 3.2596% | 2,658 |
| Loan and lease loss provision to assets | 1.6373% | 428 |
| Net operating income to assets | -1.7612% | 6,974 |
| Return on assets (ROA) | -1.7612% | 6,991 |
| Pretax return on assets | -1.7612% | 6,961 |
| Return on Equity (ROE) | -23.6213% | 7,034 |
| Retained earnings to average equity (ytd only) | -23.6213% | 7,022 |
| Net charge-offs to loans | 1.9236% | 740 |
| Credit loss provision to net charge-offs | 147.7341% | 1,930 |
| Earnings coverage of net charge-offs (x) | -0.1118% | 5,900 |
| Efficiency ratio | 101.7619% | 627 |
| Assets per employee ($millions) | 3.6652% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3637% | 588 |
| Loan loss allowance to noncurrent loans | 63.4356% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 4.1898% | 1,347 |
| Noncurrent loans to loans | 5.3025% | 1,022 |
| Net loans and leases to total assets | 50.6557% | 5,508 |
| Net loans and leases to deposits | 56.1253% | 5,884 |
| Net loans and leases to core deposits | 56.6984% | 6,107 |
| Total domestic deposits to total assets | 90.2546% | 852 |
| Equity capital to assets | 6.9915% | 6,966 |
| Core capital (leverage) ratio | 6.1636% | 7,039 |
| Tier 1 risk-based capital ratio | 11.5019% | 6,158 |
| Total risk-based capital ratio | 12.7788% | 6,129 |
| Memoranda: | ||
| Average total assets | $59,731,200 | 6,048 |
| Average earning assets | $52,105,600 | 6,119 |
| Average equity | $4,453,600 | 6,614 |
| Average total loans | $34,414,400 | 5,938 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 5,351 |
| Cost of funding earning assets | 1.2453% | 2,024 |
| Net interest margin | 3.2237% | 6,099 |
| Noninterest income to average assets | 0.3222% | 5,291 |
| Noninterest expense to average assets | 3.0642% | 3,302 |
| Loan and lease loss provision to assets | 1.7599% | 346 |
| Net operating income to assets | -1.6488% | 7,073 |
| Return on assets (ROA) | -1.6488% | 7,083 |
| Pretax return on assets | -1.6488% | 7,051 |
| Return on Equity (ROE) | -21.7814% | 7,118 |
| Retained earnings to average equity (ytd only) | -21.7814% | 7,105 |
| Net charge-offs to loans | 1.8905% | 692 |
| Credit loss provision to net charge-offs | 158.0838% | 1,963 |
| Earnings coverage of net charge-offs (x) | 0.0998% | 5,526 |
| Efficiency ratio | 95.9412% | 825 |
| Assets per employee ($millions) | 3.2297% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1259% | 778 |
| Loan loss allowance to noncurrent loans | 38.7183% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 5.5629% | 994 |
| Noncurrent loans to loans | 8.0734% | 542 |
| Net loans and leases to total assets | 53.7886% | 5,194 |
| Net loans and leases to deposits | 60.6031% | 5,566 |
| Net loans and leases to core deposits | 60.9362% | 5,913 |
| Total domestic deposits to total assets | 88.7555% | 1,580 |
| Equity capital to assets | 7.6598% | 6,864 |
| Core capital (leverage) ratio | 6.3695% | 7,091 |
| Tier 1 risk-based capital ratio | 11.8790% | 5,975 |
| Total risk-based capital ratio | 13.1655% | 5,934 |
| Memoranda: | ||
| Average total assets | $60,003,250 | 6,086 |
| Average earning assets | $53,106,250 | 6,123 |
| Average equity | $4,542,000 | 6,624 |
| Average total loans | $35,333,000 | 5,955 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4639% | 5,473 |
| Cost of funding earning assets | 1.2956% | 1,965 |
| Net interest margin | 3.1683% | 6,242 |
| Noninterest income to average assets | 0.3200% | 5,340 |
| Noninterest expense to average assets | 3.1175% | 3,185 |
| Loan and lease loss provision to assets | 2.2565% | 248 |
| Net operating income to assets | -2.2466% | 7,232 |
| Return on assets (ROA) | -2.2466% | 7,237 |
| Pretax return on assets | -2.2466% | 7,211 |
| Return on Equity (ROE) | -29.7922% | 7,239 |
| Retained earnings to average equity (ytd only) | -29.7922% | 7,231 |
| Net charge-offs to loans | 1.1224% | 1,399 |
| Credit loss provision to net charge-offs | 335.2941% | 911 |
| Earnings coverage of net charge-offs (x) | 0.0147% | 5,272 |
| Efficiency ratio | 99.1561% | 747 |
| Assets per employee ($millions) | 3.4138% | 5,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4265% | 633 |
| Loan loss allowance to noncurrent loans | 51.2842% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 4.9343% | 1,240 |
| Noncurrent loans to loans | 6.6813% | 808 |
| Net loans and leases to total assets | 54.9489% | 5,155 |
| Net loans and leases to deposits | 62.4110% | 5,455 |
| Net loans and leases to core deposits | 62.7322% | 5,832 |
| Total domestic deposits to total assets | 88.0435% | 2,111 |
| Equity capital to assets | 7.2565% | 7,041 |
| Core capital (leverage) ratio | 6.3570% | 7,148 |
| Tier 1 risk-based capital ratio | 12.2872% | 5,527 |
| Total risk-based capital ratio | 13.5671% | 5,480 |
| Memoranda: | ||
| Average total assets | $60,626,000 | 6,118 |
| Average earning assets | $53,719,330 | 6,157 |
| Average equity | $4,571,670 | 6,659 |
| Average total loans | $36,351,000 | 5,960 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4044% | 5,679 |
| Cost of funding earning assets | 1.3001% | 2,173 |
| Net interest margin | 3.1042% | 6,338 |
| Noninterest income to average assets | 0.3122% | 5,431 |
| Noninterest expense to average assets | 3.2284% | 2,787 |
| Loan and lease loss provision to assets | 4.3976% | 86 |
| Net operating income to assets | -4.4906% | 7,470 |
| Return on assets (ROA) | -4.4906% | 7,471 |
| Pretax return on assets | -4.4906% | 7,460 |
| Return on Equity (ROE) | -58.4270% | 7,433 |
| Retained earnings to average equity (ytd only) | -58.4270% | 7,421 |
| Net charge-offs to loans | 2.1379% | 581 |
| Credit loss provision to net charge-offs | 334.3434% | 967 |
| Earnings coverage of net charge-offs (x) | -0.0707% | 4,629 |
| Efficiency ratio | 102.3305% | 661 |
| Assets per employee ($millions) | 3.2899% | 5,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1658% | 793 |
| Loan loss allowance to noncurrent loans | 45.2527% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 5.2855% | 1,168 |
| Noncurrent loans to loans | 6.9959% | 793 |
| Net loans and leases to total assets | 61.0514% | 4,066 |
| Net loans and leases to deposits | 70.8166% | 4,219 |
| Net loans and leases to core deposits | 71.2029% | 4,903 |
| Total domestic deposits to total assets | 86.2105% | 3,390 |
| Equity capital to assets | 7.2646% | 6,989 |
| Core capital (leverage) ratio | 6.4428% | 7,180 |
| Tier 1 risk-based capital ratio | 11.6083% | 6,017 |
| Total risk-based capital ratio | 12.8838% | 5,985 |
| Memoranda: | ||
| Average total assets | $60,215,000 | 6,179 |
| Average earning assets | $54,764,000 | 6,177 |
| Average equity | $4,628,000 | 6,676 |
| Average total loans | $37,045,000 | 5,989 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0025% | 4,548 |
| Cost of funding earning assets | 1.5214% | 2,522 |
| Net interest margin | 3.4811% | 5,318 |
| Noninterest income to average assets | 0.2996% | 5,649 |
| Noninterest expense to average assets | 3.6720% | 1,771 |
| Loan and lease loss provision to assets | 0.5540% | 2,919 |
| Net operating income to assets | -0.7632% | 6,558 |
| Return on assets (ROA) | -0.7029% | 6,557 |
| Pretax return on assets | -0.7029% | 6,459 |
| Return on Equity (ROE) | -7.8977% | 6,616 |
| Retained earnings to average equity (ytd only) | -7.8977% | 6,527 |
| Net charge-offs to loans | 0.6489% | 3,067 |
| Credit loss provision to net charge-offs | 133.4677% | 2,926 |
| Earnings coverage of net charge-offs (x) | -0.5040% | 6,459 |
| Efficiency ratio | 101.8850% | 727 |
| Assets per employee ($millions) | 3.0606% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9535% | 2,413 |
| Loan loss allowance to noncurrent loans | 33.3798% | 6,088 |
| Noncurrent assets plus other real estate owned to assets | 4.3897% | 1,522 |
| Noncurrent loans to loans | 5.8524% | 1,083 |
| Net loans and leases to total assets | 58.8718% | 4,879 |
| Net loans and leases to deposits | 69.5219% | 4,877 |
| Net loans and leases to core deposits | 69.8887% | 5,451 |
| Total domestic deposits to total assets | 84.6809% | 4,006 |
| Equity capital to assets | 8.0933% | 6,391 |
| Core capital (leverage) ratio | 7.6123% | 6,610 |
| Tier 1 risk-based capital ratio | 13.0442% | 4,569 |
| Total risk-based capital ratio | 14.3030% | 4,522 |
| Memoranda: | ||
| Average total assets | $59,750,200 | 6,211 |
| Average earning assets | $54,292,800 | 6,202 |
| Average equity | $5,318,000 | 6,559 |
| Average total loans | $38,219,000 | 6,001 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0587% | 4,549 |
| Cost of funding earning assets | 1.5613% | 2,604 |
| Net interest margin | 3.4974% | 5,302 |
| Noninterest income to average assets | 0.1774% | 6,612 |
| Noninterest expense to average assets | 3.3543% | 2,420 |
| Loan and lease loss provision to assets | 0.5164% | 2,878 |
| Net operating income to assets | -0.5119% | 6,598 |
| Return on assets (ROA) | -0.4962% | 6,635 |
| Pretax return on assets | -0.4939% | 6,549 |
| Return on Equity (ROE) | -5.4476% | 6,680 |
| Retained earnings to average equity (ytd only) | -5.4476% | 6,591 |
| Net charge-offs to loans | 0.8466% | 2,332 |
| Credit loss provision to net charge-offs | 93.8776% | 4,619 |
| Earnings coverage of net charge-offs (x) | 0.0122% | 6,018 |
| Efficiency ratio | 99.2652% | 765 |
| Assets per employee ($millions) | 3.0292% | 6,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 3,396 |
| Loan loss allowance to noncurrent loans | 39.6673% | 5,652 |
| Noncurrent assets plus other real estate owned to assets | 3.4350% | 2,069 |
| Noncurrent loans to loans | 4.1199% | 1,793 |
| Net loans and leases to total assets | 64.8400% | 3,939 |
| Net loans and leases to deposits | 78.7549% | 3,680 |
| Net loans and leases to core deposits | 79.2096% | 4,629 |
| Total domestic deposits to total assets | 82.3314% | 4,863 |
| Equity capital to assets | 9.2504% | 5,225 |
| Core capital (leverage) ratio | 7.9489% | 6,419 |
| Tier 1 risk-based capital ratio | 13.1496% | 4,458 |
| Total risk-based capital ratio | 14.4056% | 4,440 |
| Memoranda: | ||
| Average total assets | $59,385,000 | 6,293 |
| Average earning assets | $54,057,750 | 6,278 |
| Average equity | $5,409,000 | 6,619 |
| Average total loans | $38,585,250 | 6,065 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0374% | 4,757 |
| Cost of funding earning assets | 1.6047% | 2,627 |
| Net interest margin | 3.4328% | 5,506 |
| Noninterest income to average assets | 0.1833% | 6,595 |
| Noninterest expense to average assets | 3.2969% | 2,579 |
| Loan and lease loss provision to assets | 0.2000% | 4,869 |
| Net operating income to assets | -0.1933% | 6,353 |
| Return on assets (ROA) | -0.1800% | 6,388 |
| Pretax return on assets | -0.1767% | 6,318 |
| Return on Equity (ROE) | -1.9863% | 6,417 |
| Retained earnings to average equity (ytd only) | -1.9863% | 6,143 |
| Net charge-offs to loans | 0.5155% | 2,987 |
| Credit loss provision to net charge-offs | 60.0000% | 5,201 |
| Earnings coverage of net charge-offs (x) | 0.0300% | 5,685 |
| Efficiency ratio | 99.1935% | 831 |
| Assets per employee ($millions) | 3.1474% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 3,837 |
| Loan loss allowance to noncurrent loans | 33.8838% | 6,112 |
| Noncurrent assets plus other real estate owned to assets | 3.2240% | 2,190 |
| Noncurrent loans to loans | 4.4733% | 1,629 |
| Net loans and leases to total assets | 64.6477% | 4,118 |
| Net loans and leases to deposits | 78.1105% | 3,943 |
| Net loans and leases to core deposits | 78.5405% | 4,861 |
| Total domestic deposits to total assets | 82.7645% | 4,658 |
| Equity capital to assets | 9.0985% | 5,294 |
| Core capital (leverage) ratio | 8.2133% | 5,919 |
| Tier 1 risk-based capital ratio | 13.2023% | 4,287 |
| Total risk-based capital ratio | 14.4557% | 4,240 |
| Memoranda: | ||
| Average total assets | $59,995,330 | 6,303 |
| Average earning assets | $54,591,330 | 6,303 |
| Average equity | $5,437,330 | 6,636 |
| Average total loans | $38,801,000 | 6,100 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0423% | 4,823 |
| Cost of funding earning assets | 1.6588% | 2,607 |
| Net interest margin | 3.3835% | 5,646 |
| Noninterest income to average assets | 0.2729% | 5,974 |
| Noninterest expense to average assets | 3.3149% | 2,478 |
| Loan and lease loss provision to assets | 0.1997% | 4,506 |
| Net operating income to assets | -0.1598% | 6,495 |
| Return on assets (ROA) | -0.1331% | 6,546 |
| Pretax return on assets | -0.1331% | 6,493 |
| Return on Equity (ROE) | -1.4718% | 6,573 |
| Retained earnings to average equity (ytd only) | -1.4718% | 6,118 |
| Net charge-offs to loans | 0.7259% | 2,048 |
| Credit loss provision to net charge-offs | 42.8571% | 4,589 |
| Earnings coverage of net charge-offs (x) | 0.0857% | 4,956 |
| Efficiency ratio | 98.2143% | 913 |
| Assets per employee ($millions) | 2.9554% | 6,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 3,599 |
| Loan loss allowance to noncurrent loans | 48.4133% | 5,113 |
| Noncurrent assets plus other real estate owned to assets | 2.5090% | 2,897 |
| Noncurrent loans to loans | 3.2346% | 2,474 |
| Net loans and leases to total assets | 63.2751% | 4,472 |
| Net loans and leases to deposits | 76.6551% | 4,291 |
| Net loans and leases to core deposits | 77.0832% | 5,124 |
| Total domestic deposits to total assets | 82.5452% | 4,831 |
| Equity capital to assets | 9.1614% | 5,045 |
| Core capital (leverage) ratio | 8.1125% | 6,052 |
| Tier 1 risk-based capital ratio | 13.3702% | 4,073 |
| Total risk-based capital ratio | 14.6259% | 4,030 |
| Memoranda: | ||
| Average total assets | $60,092,500 | 6,377 |
| Average earning assets | $54,737,000 | 6,368 |
| Average equity | $5,435,500 | 6,696 |
| Average total loans | $38,574,000 | 6,188 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7823% | 2,733 |
| Cost of funding earning assets | 2.0033% | 2,949 |
| Net interest margin | 3.7790% | 3,800 |
| Noninterest income to average assets | 0.3056% | 5,903 |
| Noninterest expense to average assets | 3.2491% | 3,195 |
| Loan and lease loss provision to assets | 0.2974% | 5,052 |
| Net operating income to assets | 0.1593% | 5,026 |
| Return on assets (ROA) | -0.3072% | 5,975 |
| Pretax return on assets | -0.3072% | 5,835 |
| Return on Equity (ROE) | -3.2551% | 6,021 |
| Retained earnings to average equity (ytd only) | -4.6502% | 5,977 |
| Net charge-offs to loans | 0.1687% | 5,597 |
| Credit loss provision to net charge-offs | 269.1176% | 1,294 |
| Earnings coverage of net charge-offs (x) | 4.1324% | 3,043 |
| Efficiency ratio | 87.1930% | 1,968 |
| Assets per employee ($millions) | 3.0539% | 6,082 |
| Cash dividends to net income (ytd only)* | -42.8571% | 7,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6218% | 3,189 |
| Loan loss allowance to noncurrent loans | 52.6534% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 2.3904% | 2,912 |
| Noncurrent loans to loans | 3.0802% | 2,488 |
| Net loans and leases to total assets | 63.0636% | 4,793 |
| Net loans and leases to deposits | 77.0961% | 4,544 |
| Net loans and leases to core deposits | 88.3380% | 5,292 |
| Total domestic deposits to total assets | 81.7987% | 5,033 |
| Equity capital to assets | 8.9328% | 5,245 |
| Core capital (leverage) ratio | 8.0277% | 6,125 |
| Tier 1 risk-based capital ratio | 13.2313% | 3,995 |
| Total risk-based capital ratio | 14.4860% | 3,934 |
| Memoranda: | ||
| Average total assets | $61,523,800 | 6,294 |
| Average earning assets | $55,359,000 | 6,318 |
| Average equity | $5,806,200 | 6,667 |
| Average total loans | $40,306,600 | 6,090 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8252% | 2,781 |
| Cost of funding earning assets | 2.0540% | 3,099 |
| Net interest margin | 3.7712% | 3,773 |
| Noninterest income to average assets | 0.2964% | 6,104 |
| Noninterest expense to average assets | 3.1691% | 3,407 |
| Loan and lease loss provision to assets | 0.3699% | 4,108 |
| Net operating income to assets | 0.1483% | 5,328 |
| Return on assets (ROA) | 0.2704% | 5,002 |
| Pretax return on assets | 0.2726% | 5,126 |
| Return on Equity (ROE) | 2.8277% | 4,864 |
| Retained earnings to average equity (ytd only) | 1.4704% | 4,491 |
| Net charge-offs to loans | 0.1445% | 5,245 |
| Credit loss provision to net charge-offs | 388.6364% | 1,039 |
| Earnings coverage of net charge-offs (x) | 5.4541% | 2,819 |
| Efficiency ratio | 85.4545% | 2,131 |
| Assets per employee ($millions) | 2.9159% | 6,365 |
| Cash dividends to net income (ytd only)* | 48.0019% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6328% | 2,868 |
| Loan loss allowance to noncurrent loans | 56.2609% | 4,588 |
| Noncurrent assets plus other real estate owned to assets | 2.2929% | 2,989 |
| Noncurrent loans to loans | 2.9023% | 2,623 |
| Net loans and leases to total assets | 63.6536% | 4,941 |
| Net loans and leases to deposits | 78.4719% | 4,669 |
| Net loans and leases to core deposits | 91.2404% | 5,307 |
| Total domestic deposits to total assets | 81.1164% | 5,031 |
| Equity capital to assets | 9.6892% | 4,510 |
| Core capital (leverage) ratio | 8.4550% | 5,569 |
| Tier 1 risk-based capital ratio | 13.5689% | 3,799 |
| Total risk-based capital ratio | 14.8253% | 3,730 |
| Memoranda: | ||
| Average total assets | $61,635,250 | 6,324 |
| Average earning assets | $55,436,000 | 6,361 |
| Average equity | $5,893,750 | 6,704 |
| Average total loans | $40,595,000 | 6,127 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9842% | 2,247 |
| Cost of funding earning assets | 2.0934% | 3,300 |
| Net interest margin | 3.8908% | 3,154 |
| Noninterest income to average assets | 0.2817% | 6,253 |
| Noninterest expense to average assets | 3.0630% | 3,832 |
| Loan and lease loss provision to assets | 0.5148% | 2,963 |
| Net operating income to assets | 0.1916% | 5,292 |
| Return on assets (ROA) | 0.2493% | 5,186 |
| Pretax return on assets | 0.2526% | 5,319 |
| Return on Equity (ROE) | 2.6187% | 5,049 |
| Retained earnings to average equity (ytd only) | 1.2584% | 4,646 |
| Net charge-offs to loans | 0.1564% | 4,630 |
| Credit loss provision to net charge-offs | 496.8750% | 939 |
| Earnings coverage of net charge-offs (x) | 6.8438% | 2,538 |
| Efficiency ratio | 80.7725% | 2,923 |
| Assets per employee ($millions) | 2.9666% | 6,219 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 2,511 |
| Loan loss allowance to noncurrent loans | 54.0518% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 2.0338% | 3,153 |
| Noncurrent loans to loans | 3.0605% | 2,344 |
| Net loans and leases to total assets | 61.7419% | 5,397 |
| Net loans and leases to deposits | 75.8225% | 5,198 |
| Net loans and leases to core deposits | 85.3940% | 5,976 |
| Total domestic deposits to total assets | 81.4296% | 4,916 |
| Equity capital to assets | 9.4578% | 4,664 |
| Core capital (leverage) ratio | 8.3905% | 5,637 |
| Tier 1 risk-based capital ratio | 14.0712% | 3,476 |
| Total risk-based capital ratio | 15.3273% | 3,410 |
| Memoranda: | ||
| Average total assets | $61,769,330 | 6,383 |
| Average earning assets | $55,413,000 | 6,412 |
| Average equity | $5,880,670 | 6,768 |
| Average total loans | $40,918,670 | 6,161 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0506% | 2,149 |
| Cost of funding earning assets | 2.1261% | 3,531 |
| Net interest margin | 3.9245% | 2,951 |
| Noninterest income to average assets | 0.2862% | 6,149 |
| Noninterest expense to average assets | 3.1607% | 3,149 |
| Loan and lease loss provision to assets | 0.9560% | 1,361 |
| Net operating income to assets | -0.3252% | 6,712 |
| Return on assets (ROA) | -0.2992% | 6,754 |
| Pretax return on assets | -0.2992% | 6,674 |
| Return on Equity (ROE) | -3.1319% | 6,791 |
| Retained earnings to average equity (ytd only) | -4.4936% | 6,487 |
| Net charge-offs to loans | 0.3156% | 2,840 |
| Credit loss provision to net charge-offs | 445.4545% | 1,188 |
| Earnings coverage of net charge-offs (x) | 2.9394% | 3,329 |
| Efficiency ratio | 82.8473% | 2,432 |
| Assets per employee ($millions) | 2.9437% | 6,305 |
| Cash dividends to net income (ytd only)* | -43.4783% | 8,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5286% | 2,822 |
| Loan loss allowance to noncurrent loans | 32.7479% | 6,356 |
| Noncurrent assets plus other real estate owned to assets | 3.3098% | 1,654 |
| Noncurrent loans to loans | 4.6679% | 1,203 |
| Net loans and leases to total assets | 66.0676% | 4,567 |
| Net loans and leases to deposits | 81.1577% | 4,428 |
| Net loans and leases to core deposits | 92.1919% | 5,326 |
| Total domestic deposits to total assets | 81.4064% | 4,790 |
| Equity capital to assets | 9.4472% | 4,749 |
| Core capital (leverage) ratio | 8.2817% | 5,939 |
| Tier 1 risk-based capital ratio | 13.2445% | 4,029 |
| Total risk-based capital ratio | 14.4986% | 3,943 |
| Memoranda: | ||
| Average total assets | $61,505,000 | 6,422 |
| Average earning assets | $54,937,000 | 6,459 |
| Average equity | $5,875,000 | 6,822 |
| Average total loans | $41,822,500 | 6,152 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5996% | 2,497 |
| Cost of funding earning assets | 2.8733% | 2,378 |
| Net interest margin | 3.7263% | 4,352 |
| Noninterest income to average assets | 0.3028% | 6,278 |
| Noninterest expense to average assets | 3.2890% | 2,997 |
| Loan and lease loss provision to assets | 0.1967% | 4,916 |
| Net operating income to assets | 0.1655% | 5,947 |
| Return on assets (ROA) | 0.1701% | 5,770 |
| Pretax return on assets | 0.1701% | 5,795 |
| Return on Equity (ROE) | 1.8916% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.0347% | 5,216 |
| Net charge-offs to loans | 0.0709% | 5,754 |
| Credit loss provision to net charge-offs | 381.8182% | 1,153 |
| Earnings coverage of net charge-offs (x) | 7.0303% | 3,208 |
| Efficiency ratio | 89.6109% | 1,545 |
| Assets per employee ($millions) | 2.7815% | 6,608 |
| Cash dividends to net income (ytd only)* | 98.1651% | 1,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2331% | 4,285 |
| Loan loss allowance to noncurrent loans | 35.9862% | 6,335 |
| Noncurrent assets plus other real estate owned to assets | 2.4758% | 1,964 |
| Noncurrent loans to loans | 3.4266% | 1,498 |
| Net loans and leases to total assets | 68.0633% | 4,456 |
| Net loans and leases to deposits | 84.0972% | 4,410 |
| Net loans and leases to core deposits | 94.1924% | 5,435 |
| Total domestic deposits to total assets | 80.9341% | 4,667 |
| Equity capital to assets | 9.6580% | 4,474 |
| Core capital (leverage) ratio | 8.3158% | 5,920 |
| Tier 1 risk-based capital ratio | 12.6030% | 4,366 |
| Total risk-based capital ratio | 13.8534% | 4,277 |
| Memoranda: | ||
| Average total assets | $64,062,600 | 6,230 |
| Average earning assets | $57,564,000 | 6,279 |
| Average equity | $5,762,200 | 6,891 |
| Average total loans | $46,541,000 | 5,850 |