Home > F & M Bank and Trust Company > Performance and Condition Ratios
F & M Bank and Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0787% | 302 |
| Cost of funding earning assets | 1.6322% | 2,893 |
| Net interest margin | 5.4465% | 168 |
| Noninterest income to average assets | 0.7900% | 831 |
| Noninterest expense to average assets | 4.2194% | 336 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 1.1507% | 1,857 |
| Return on assets (ROA) | 1.1507% | 1,859 |
| Pretax return on assets | 1.1507% | 2,365 |
| Return on Equity (ROE) | 20.6600% | 398 |
| Retained earnings to average equity (ytd only) | 20.6600% | 139 |
| Net charge-offs to loans | -0.0139% | 3,999 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 77.8584% | 1,100 |
| Assets per employee ($millions) | 3.6760% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,430 |
| Loan loss allowance to noncurrent loans | 178.8618% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.4563% | 1,576 |
| Noncurrent loans to loans | 0.6466% | 1,554 |
| Net loans and leases to total assets | 69.7500% | 1,864 |
| Net loans and leases to deposits | 74.4133% | 2,532 |
| Net loans and leases to core deposits | 77.4147% | 2,860 |
| Total domestic deposits to total assets | 93.7300% | 91 |
| Equity capital to assets | 5.8055% | 4,279 |
| Core capital (leverage) ratio | 7.5229% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4813% | 2,722 |
| Memoranda: | ||
| Average total assets | $81,338,500 | 3,931 |
| Average earning assets | $69,109,000 | 3,979 |
| Average equity | $4,530,500 | 4,274 |
| Average total loans | $57,624,500 | 3,721 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8030% | 496 |
| Cost of funding earning assets | 1.4706% | 3,406 |
| Net interest margin | 5.3324% | 221 |
| Noninterest income to average assets | 0.7800% | 955 |
| Noninterest expense to average assets | 4.1191% | 347 |
| Loan and lease loss provision to assets | 0.0400% | 2,355 |
| Net operating income to assets | 1.1364% | 1,647 |
| Return on assets (ROA) | 1.1364% | 1,656 |
| Pretax return on assets | 1.1364% | 2,145 |
| Return on Equity (ROE) | 23.5200% | 234 |
| Retained earnings to average equity (ytd only) | 23.5226% | 34 |
| Net charge-offs to loans | -0.1462% | 4,467 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 77.7592% | 1,225 |
| Assets per employee ($millions) | 3.7184% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 2,624 |
| Loan loss allowance to noncurrent loans | 111.7241% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 1,042 |
| Noncurrent loans to loans | 0.9969% | 1,004 |
| Net loans and leases to total assets | 70.3300% | 1,854 |
| Net loans and leases to deposits | 79.8745% | 2,147 |
| Net loans and leases to core deposits | 82.8991% | 2,569 |
| Total domestic deposits to total assets | 88.0500% | 1,499 |
| Equity capital to assets | 5.3371% | 4,311 |
| Core capital (leverage) ratio | 7.6378% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.6871% | 2,785 |
| Memoranda: | ||
| Average total assets | $79,021,200 | 3,962 |
| Average earning assets | $66,911,600 | 4,008 |
| Average equity | $3,817,600 | 4,318 |
| Average total loans | $54,714,200 | 3,754 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7401% | 518 |
| Cost of funding earning assets | 1.5009% | 3,356 |
| Net interest margin | 5.2392% | 246 |
| Noninterest income to average assets | 0.8000% | 884 |
| Noninterest expense to average assets | 4.2591% | 318 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.9175% | 2,324 |
| Return on assets (ROA) | 0.9175% | 2,325 |
| Pretax return on assets | 0.9175% | 2,766 |
| Return on Equity (ROE) | 19.5300% | 459 |
| Retained earnings to average equity (ytd only) | 19.5258% | 115 |
| Net charge-offs to loans | 0.0124% | 2,187 |
| Credit loss provision to net charge-offs | 340.0000% | 796 |
| Earnings coverage of net charge-offs (x) | 114.4000% | 733 |
| Efficiency ratio | 81.3923% | 990 |
| Assets per employee ($millions) | 3.6361% | 4,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,229 |
| Loan loss allowance to noncurrent loans | 94.9410% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 950 |
| Noncurrent loans to loans | 1.0571% | 942 |
| Net loans and leases to total assets | 69.4200% | 1,919 |
| Net loans and leases to deposits | 73.8586% | 2,684 |
| Net loans and leases to core deposits | 77.3640% | 2,997 |
| Total domestic deposits to total assets | 94.0000% | 33 |
| Equity capital to assets | 5.2291% | 4,439 |
| Core capital (leverage) ratio | 6.9493% | 4,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.6277% | 2,824 |
| Memoranda: | ||
| Average total assets | $78,325,250 | 3,987 |
| Average earning assets | $66,268,500 | 4,035 |
| Average equity | $3,680,500 | 4,349 |
| Average total loans | $53,847,750 | 3,778 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6767% | 515 |
| Cost of funding earning assets | 1.4235% | 3,441 |
| Net interest margin | 5.2531% | 247 |
| Noninterest income to average assets | 0.7800% | 909 |
| Noninterest expense to average assets | 4.3411% | 300 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8204% | 2,558 |
| Return on assets (ROA) | 0.8204% | 2,574 |
| Pretax return on assets | 0.8204% | 2,953 |
| Return on Equity (ROE) | 18.1600% | 604 |
| Retained earnings to average equity (ytd only) | 18.1611% | 168 |
| Net charge-offs to loans | 0.0038% | 2,337 |
| Credit loss provision to net charge-offs | 700.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 342.0000% | 346 |
| Efficiency ratio | 83.1527% | 907 |
| Assets per employee ($millions) | 3.6666% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0175% | 3,189 |
| Loan loss allowance to noncurrent loans | 92.6789% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.7451% | 887 |
| Noncurrent loans to loans | 1.0979% | 832 |
| Net loans and leases to total assets | 67.1700% | 2,214 |
| Net loans and leases to deposits | 70.8816% | 2,921 |
| Net loans and leases to core deposits | 73.7840% | 3,175 |
| Total domestic deposits to total assets | 94.7700% | 50 |
| Equity capital to assets | 4.5943% | 4,410 |
| Core capital (leverage) ratio | 6.7922% | 4,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.9434% | 2,850 |
| Memoranda: | ||
| Average total assets | $77,769,000 | 4,010 |
| Average earning assets | $65,751,333 | 4,051 |
| Average equity | $3,513,000 | 4,373 |
| Average total loans | $53,097,667 | 3,794 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4825% | 591 |
| Cost of funding earning assets | 1.3189% | 3,530 |
| Net interest margin | 5.1636% | 270 |
| Noninterest income to average assets | 0.8000% | 824 |
| Noninterest expense to average assets | 4.3710% | 287 |
| Loan and lease loss provision to assets | -0.0300% | 4,282 |
| Net operating income to assets | 0.8071% | 2,523 |
| Return on assets (ROA) | 0.8071% | 2,536 |
| Pretax return on assets | 0.8071% | 2,905 |
| Return on Equity (ROE) | 18.0300% | 608 |
| Retained earnings to average equity (ytd only) | 18.0301% | 269 |
| Net charge-offs to loans | 0.0077% | 1,816 |
| Credit loss provision to net charge-offs | -600.0000% | 4,530 |
| Earnings coverage of net charge-offs (x) | 148.0000% | 521 |
| Efficiency ratio | 84.9287% | 843 |
| Assets per employee ($millions) | 3.4861% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 3,105 |
| Loan loss allowance to noncurrent loans | 141.2987% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5020% | 1,262 |
| Noncurrent loans to loans | 0.7360% | 1,207 |
| Net loans and leases to total assets | 67.4900% | 2,069 |
| Net loans and leases to deposits | 71.0970% | 2,806 |
| Net loans and leases to core deposits | 72.2874% | 3,199 |
| Total domestic deposits to total assets | 94.9300% | 69 |
| Equity capital to assets | 4.5088% | 4,436 |
| Core capital (leverage) ratio | 6.8795% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.2042% | 2,871 |
| Memoranda: | ||
| Average total assets | $76,321,000 | 4,047 |
| Average earning assets | $64,296,000 | 4,086 |
| Average equity | $3,416,500 | 4,401 |
| Average total loans | $52,276,000 | 3,817 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8778% | 741 |
| Cost of funding earning assets | 0.9976% | 3,303 |
| Net interest margin | 4.8802% | 371 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 4.2467% | 317 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6775% | 3,246 |
| Return on assets (ROA) | 0.6775% | 3,227 |
| Pretax return on assets | 0.6775% | 3,483 |
| Return on Equity (ROE) | 16.9600% | 955 |
| Retained earnings to average equity (ytd only) | 16.9591% | 222 |
| Net charge-offs to loans | -0.0059% | 3,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 86.0588% | 559 |
| Assets per employee ($millions) | 3.4521% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,048 |
| Loan loss allowance to noncurrent loans | 137.7500% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5267% | 1,068 |
| Noncurrent loans to loans | 0.7657% | 1,016 |
| Net loans and leases to total assets | 68.0600% | 2,028 |
| Net loans and leases to deposits | 71.7287% | 2,764 |
| Net loans and leases to core deposits | 72.8487% | 3,135 |
| Total domestic deposits to total assets | 94.8900% | 62 |
| Equity capital to assets | 4.4439% | 4,470 |
| Core capital (leverage) ratio | 6.7050% | 4,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.0458% | 2,893 |
| Memoranda: | ||
| Average total assets | $76,460,000 | 4,049 |
| Average earning assets | $64,157,000 | 4,099 |
| Average equity | $3,054,400 | 4,425 |
| Average total loans | $50,910,400 | 3,832 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7389% | 744 |
| Cost of funding earning assets | 0.8489% | 3,406 |
| Net interest margin | 4.8900% | 360 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 4.2077% | 314 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.7016% | 3,324 |
| Return on assets (ROA) | 0.7016% | 3,301 |
| Pretax return on assets | 0.7016% | 3,549 |
| Return on Equity (ROE) | 18.0700% | 943 |
| Retained earnings to average equity (ytd only) | 18.0657% | 338 |
| Net charge-offs to loans | -0.0132% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 85.4668% | 537 |
| Assets per employee ($millions) | 3.4972% | 4,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 3,088 |
| Loan loss allowance to noncurrent loans | 135.2941% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.5303% | 1,101 |
| Noncurrent loans to loans | 0.7809% | 1,061 |
| Net loans and leases to total assets | 67.1900% | 2,138 |
| Net loans and leases to deposits | 70.4105% | 2,819 |
| Net loans and leases to core deposits | 71.4894% | 3,133 |
| Total domestic deposits to total assets | 95.4200% | 99 |
| Equity capital to assets | 3.9577% | 4,408 |
| Core capital (leverage) ratio | 6.4706% | 4,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.7948% | 2,909 |
| Memoranda: | ||
| Average total assets | $76,588,250 | 4,066 |
| Average earning assets | $64,238,500 | 4,116 |
| Average equity | $2,974,250 | 4,447 |
| Average total loans | $50,577,250 | 3,847 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 779 |
| Cost of funding earning assets | 0.6875% | 3,520 |
| Net interest margin | 4.8626% | 367 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 4.2813% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6041% | 3,558 |
| Return on assets (ROA) | 0.6041% | 3,570 |
| Pretax return on assets | 0.6041% | 3,795 |
| Return on Equity (ROE) | 15.6600% | 1,329 |
| Retained earnings to average equity (ytd only) | 15.6575% | 503 |
| Net charge-offs to loans | -0.0080% | 3,845 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.6338% | 439 |
| Assets per employee ($millions) | 3.4604% | 4,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0737% | 3,072 |
| Loan loss allowance to noncurrent loans | 129.0476% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.6029% | 893 |
| Noncurrent loans to loans | 0.8320% | 921 |
| Net loans and leases to total assets | 65.6000% | 2,200 |
| Net loans and leases to deposits | 68.5967% | 2,890 |
| Net loans and leases to core deposits | 69.4051% | 3,166 |
| Total domestic deposits to total assets | 95.6300% | 68 |
| Equity capital to assets | 3.9460% | 4,509 |
| Core capital (leverage) ratio | 6.2771% | 4,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.8245% | 2,934 |
| Memoranda: | ||
| Average total assets | $76,471,667 | 4,086 |
| Average earning assets | $63,999,000 | 4,139 |
| Average equity | $2,950,667 | 4,479 |
| Average total loans | $50,021,000 | 3,862 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 679 |
| Cost of funding earning assets | 0.5418% | 3,561 |
| Net interest margin | 4.8947% | 331 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 4.3317% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5636% | 3,763 |
| Return on assets (ROA) | 0.5636% | 3,732 |
| Pretax return on assets | 0.5636% | 3,900 |
| Return on Equity (ROE) | 14.7700% | 1,604 |
| Retained earnings to average equity (ytd only) | 14.7743% | 835 |
| Net charge-offs to loans | -0.0161% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.4861% | 406 |
| Assets per employee ($millions) | 3.5628% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,168 |
| Loan loss allowance to noncurrent loans | 126.3403% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.9199% | 477 |
| Noncurrent loans to loans | 0.8520% | 898 |
| Net loans and leases to total assets | 63.5500% | 2,289 |
| Net loans and leases to deposits | 66.2839% | 2,911 |
| Net loans and leases to core deposits | 67.0404% | 3,158 |
| Total domestic deposits to total assets | 95.8700% | 59 |
| Equity capital to assets | 3.8478% | 4,552 |
| Core capital (leverage) ratio | 6.1246% | 4,669 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.4623% | 3,018 |
| Memoranda: | ||
| Average total assets | $76,643,500 | 4,141 |
| Average earning assets | $64,232,500 | 4,193 |
| Average equity | $2,924,000 | 4,545 |
| Average total loans | $49,792,000 | 3,908 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9968% | 1,726 |
| Cost of funding earning assets | 0.2683% | 3,175 |
| Net interest margin | 3.7285% | 1,311 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 3.6230% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.3177% | 4,348 |
| Return on assets (ROA) | 0.3177% | 4,317 |
| Pretax return on assets | 0.3177% | 4,365 |
| Return on Equity (ROE) | 7.8600% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.8603% | 1,894 |
| Net charge-offs to loans | -0.0023% | 3,471 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 91.9385% | 264 |
| Assets per employee ($millions) | 3.4048% | 4,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 2,911 |
| Loan loss allowance to noncurrent loans | 123.5698% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.0400% | 411 |
| Noncurrent loans to loans | 0.8876% | 833 |
| Net loans and leases to total assets | 65.0100% | 2,141 |
| Net loans and leases to deposits | 67.6733% | 2,753 |
| Net loans and leases to core deposits | 68.2587% | 2,995 |
| Total domestic deposits to total assets | 96.0600% | 79 |
| Equity capital to assets | 3.7808% | 4,545 |
| Core capital (leverage) ratio | 6.0329% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.2959% | 3,052 |
| Memoranda: | ||
| Average total assets | $80,899,800 | 4,121 |
| Average earning assets | $68,203,800 | 4,176 |
| Average equity | $3,269,600 | 4,592 |
| Average total loans | $43,812,600 | 3,994 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 1,953 |
| Cost of funding earning assets | 0.2640% | 2,558 |
| Net interest margin | 3.4670% | 1,760 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 3.5178% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2540% | 4,427 |
| Return on assets (ROA) | 0.2540% | 4,391 |
| Pretax return on assets | 0.2540% | 4,419 |
| Return on Equity (ROE) | 6.1900% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.1950% | 2,681 |
| Net charge-offs to loans | -0.0031% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.2647% | 247 |
| Assets per employee ($millions) | 3.5371% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 2,366 |
| Loan loss allowance to noncurrent loans | 106.5089% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 357 |
| Noncurrent loans to loans | 1.1553% | 640 |
| Net loans and leases to total assets | 55.7000% | 2,932 |
| Net loans and leases to deposits | 58.0515% | 3,338 |
| Net loans and leases to core deposits | 58.5352% | 3,467 |
| Total domestic deposits to total assets | 95.9500% | 136 |
| Equity capital to assets | 3.7062% | 4,513 |
| Core capital (leverage) ratio | 5.4371% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.6649% | 3,118 |
| Memoranda: | ||
| Average total assets | $82,398,500 | 4,125 |
| Average earning assets | $69,684,750 | 4,196 |
| Average equity | $3,379,000 | 4,623 |
| Average total loans | $42,457,500 | 4,045 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4401% | 2,325 |
| Cost of funding earning assets | 0.2754% | 1,950 |
| Net interest margin | 3.1646% | 2,309 |
| Noninterest income to average assets | 0.9437% | 760 |
| Noninterest expense to average assets | 3.4268% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2002% | 4,420 |
| Return on assets (ROA) | 0.2002% | 4,381 |
| Pretax return on assets | 0.2002% | 4,411 |
| Return on Equity (ROE) | 4.7404% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.7404% | 2,803 |
| Net charge-offs to loans | -0.0048% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4809% | 280 |
| Assets per employee ($millions) | 3.7797% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,380 |
| Loan loss allowance to noncurrent loans | 118.1619% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.0992% | 408 |
| Noncurrent loans to loans | 1.0658% | 776 |
| Net loans and leases to total assets | 50.9152% | 3,275 |
| Net loans and leases to deposits | 52.9027% | 3,615 |
| Net loans and leases to core deposits | 53.5077% | 3,728 |
| Total domestic deposits to total assets | 96.2431% | 74 |
| Equity capital to assets | 3.5055% | 4,665 |
| Core capital (leverage) ratio | 5.2100% | 4,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.5192% | 3,088 |
| Memoranda: | ||
| Average total assets | $83,926,000 | 4,157 |
| Average earning assets | $71,161,667 | 4,234 |
| Average equity | $3,544,000 | 4,651 |
| Average total loans | $41,982,333 | 4,107 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3263% | 2,306 |
| Cost of funding earning assets | 0.3019% | 1,642 |
| Net interest margin | 3.0244% | 2,424 |
| Noninterest income to average assets | 0.5503% | 1,894 |
| Noninterest expense to average assets | 2.9177% | 927 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1993% | 4,335 |
| Return on assets (ROA) | 0.1993% | 4,302 |
| Pretax return on assets | 0.1993% | 4,329 |
| Return on Equity (ROE) | 4.3540% | 3,793 |
| Retained earnings to average equity (ytd only) | 4.3540% | 2,817 |
| Net charge-offs to loans | -0.0193% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6073% | 400 |
| Assets per employee ($millions) | 3.8691% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3182% | 2,265 |
| Loan loss allowance to noncurrent loans | 114.8620% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 428 |
| Noncurrent loans to loans | 1.1477% | 775 |
| Net loans and leases to total assets | 47.5787% | 3,429 |
| Net loans and leases to deposits | 49.8664% | 3,740 |
| Net loans and leases to core deposits | 50.5953% | 3,838 |
| Total domestic deposits to total assets | 95.4124% | 20 |
| Equity capital to assets | 4.3198% | 4,767 |
| Core capital (leverage) ratio | 5.1059% | 4,792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.0320% | 3,092 |
| Memoranda: | ||
| Average total assets | $84,312,000 | 4,167 |
| Average earning assets | $71,551,500 | 4,251 |
| Average equity | $3,858,500 | 4,663 |
| Average total loans | $41,534,500 | 4,133 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9179% | 292 |
| Cost of funding earning assets | 0.4071% | 1,499 |
| Net interest margin | 4.5107% | 268 |
| Noninterest income to average assets | 0.8403% | 1,342 |
| Noninterest expense to average assets | 3.8789% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7504% | 3,488 |
| Return on assets (ROA) | 0.7504% | 3,551 |
| Pretax return on assets | 0.7504% | 3,838 |
| Return on Equity (ROE) | 15.5620% | 831 |
| Retained earnings to average equity (ytd only) | 15.5620% | 193 |
| Net charge-offs to loans | -0.0531% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7895% | 583 |
| Assets per employee ($millions) | 3.4793% | 4,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 2,445 |
| Loan loss allowance to noncurrent loans | 112.2917% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.1820% | 421 |
| Noncurrent loans to loans | 1.1421% | 845 |
| Net loans and leases to total assets | 49.6862% | 3,323 |
| Net loans and leases to deposits | 52.3731% | 3,711 |
| Net loans and leases to core deposits | 53.8754% | 3,759 |
| Total domestic deposits to total assets | 94.8697% | 5 |
| Equity capital to assets | 4.8381% | 4,834 |
| Core capital (leverage) ratio | 5.0329% | 4,835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.4986% | 3,088 |
| Memoranda: | ||
| Average total assets | $81,285,200 | 4,198 |
| Average earning assets | $68,281,400 | 4,288 |
| Average equity | $3,919,800 | 4,710 |
| Average total loans | $47,100,000 | 4,053 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 200 |
| Cost of funding earning assets | 0.4296% | 1,489 |
| Net interest margin | 4.8413% | 188 |
| Noninterest income to average assets | 0.7680% | 1,624 |
| Noninterest expense to average assets | 3.9951% | 285 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8307% | 3,443 |
| Return on assets (ROA) | 0.8307% | 3,505 |
| Pretax return on assets | 0.8307% | 3,834 |
| Return on Equity (ROE) | 17.2415% | 734 |
| Retained earnings to average equity (ytd only) | 17.2415% | 226 |
| Net charge-offs to loans | -0.0689% | 4,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7858% | 592 |
| Assets per employee ($millions) | 3.6007% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 2,526 |
| Loan loss allowance to noncurrent loans | 105.8939% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2268% | 477 |
| Noncurrent loans to loans | 1.2210% | 908 |
| Net loans and leases to total assets | 49.6848% | 3,441 |
| Net loans and leases to deposits | 52.5820% | 3,839 |
| Net loans and leases to core deposits | 53.8609% | 3,930 |
| Total domestic deposits to total assets | 94.4902% | 6 |
| Equity capital to assets | 5.0171% | 4,908 |
| Core capital (leverage) ratio | 5.0246% | 4,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.9613% | 3,120 |
| Memoranda: | ||
| Average total assets | $80,730,500 | 4,263 |
| Average earning assets | $67,665,500 | 4,347 |
| Average equity | $3,889,750 | 4,779 |
| Average total loans | $48,367,750 | 4,082 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3088% | 214 |
| Cost of funding earning assets | 0.4596% | 1,452 |
| Net interest margin | 4.8493% | 208 |
| Noninterest income to average assets | 0.7572% | 1,652 |
| Noninterest expense to average assets | 4.0482% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7697% | 3,595 |
| Return on assets (ROA) | 0.7697% | 3,661 |
| Pretax return on assets | 0.7697% | 3,925 |
| Return on Equity (ROE) | 16.2048% | 914 |
| Retained earnings to average equity (ytd only) | 16.2048% | 320 |
| Net charge-offs to loans | -0.0909% | 4,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0249% | 544 |
| Assets per employee ($millions) | 3.4199% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1150% | 3,348 |
| Loan loss allowance to noncurrent loans | 84.5669% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3914% | 440 |
| Noncurrent loans to loans | 1.3185% | 891 |
| Net loans and leases to total assets | 58.0223% | 2,666 |
| Net loans and leases to deposits | 61.4752% | 3,257 |
| Net loans and leases to core deposits | 64.1180% | 3,278 |
| Total domestic deposits to total assets | 94.3833% | 7 |
| Equity capital to assets | 4.8284% | 4,943 |
| Core capital (leverage) ratio | 4.9805% | 4,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.4259% | 3,101 |
| Memoranda: | ||
| Average total assets | $80,035,333 | 4,289 |
| Average earning assets | $67,020,667 | 4,382 |
| Average equity | $3,801,333 | 4,817 |
| Average total loans | $50,595,000 | 4,073 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8190% | 477 |
| Cost of funding earning assets | 0.5092% | 1,333 |
| Net interest margin | 4.3098% | 509 |
| Noninterest income to average assets | 0.7290% | 1,772 |
| Noninterest expense to average assets | 3.7158% | 362 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6125% | 3,906 |
| Return on assets (ROA) | 0.6125% | 3,975 |
| Pretax return on assets | 0.6125% | 4,175 |
| Return on Equity (ROE) | 13.0090% | 1,670 |
| Retained earnings to average equity (ytd only) | 13.0090% | 911 |
| Net charge-offs to loans | -0.0463% | 4,363 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8480% | 515 |
| Assets per employee ($millions) | 3.3516% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 3,991 |
| Loan loss allowance to noncurrent loans | 125.6039% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 1.2382% | 595 |
| Noncurrent loans to loans | 0.7641% | 1,710 |
| Net loans and leases to total assets | 66.7147% | 1,699 |
| Net loans and leases to deposits | 71.3807% | 2,376 |
| Net loans and leases to core deposits | 74.5209% | 2,465 |
| Total domestic deposits to total assets | 93.4633% | 19 |
| Equity capital to assets | 4.6931% | 4,968 |
| Core capital (leverage) ratio | 4.8868% | 4,974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.1015% | 3,076 |
| Memoranda: | ||
| Average total assets | $79,014,500 | 4,320 |
| Average earning assets | $65,989,000 | 4,413 |
| Average equity | $3,720,500 | 4,850 |
| Average total loans | $51,812,500 | 4,056 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2166% | 329 |
| Cost of funding earning assets | 0.8842% | 901 |
| Net interest margin | 4.3324% | 477 |
| Noninterest income to average assets | 0.8512% | 1,392 |
| Noninterest expense to average assets | 4.0403% | 371 |
| Loan and lease loss provision to assets | 0.1013% | 3,065 |
| Net operating income to assets | 0.2552% | 4,495 |
| Return on assets (ROA) | 0.2592% | 4,556 |
| Pretax return on assets | 0.2592% | 4,596 |
| Return on Equity (ROE) | 5.5823% | 3,716 |
| Retained earnings to average equity (ytd only) | 5.5823% | 2,007 |
| Net charge-offs to loans | -0.0155% | 4,362 |
| Credit loss provision to net charge-offs | -962.5000% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8911% | 316 |
| Assets per employee ($millions) | 3.2330% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 3,722 |
| Loan loss allowance to noncurrent loans | 188.2784% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 634 |
| Noncurrent loans to loans | 0.5522% | 2,330 |
| Net loans and leases to total assets | 63.0576% | 2,481 |
| Net loans and leases to deposits | 68.4868% | 3,031 |
| Net loans and leases to core deposits | 71.3856% | 3,140 |
| Total domestic deposits to total assets | 92.0725% | 63 |
| Equity capital to assets | 4.7248% | 4,993 |
| Core capital (leverage) ratio | 4.6726% | 4,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.4984% | 3,100 |
| Memoranda: | ||
| Average total assets | $76,010,000 | 4,292 |
| Average earning assets | $62,205,600 | 4,412 |
| Average equity | $3,529,000 | 4,878 |
| Average total loans | $51,501,800 | 4,084 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9506% | 666 |
| Cost of funding earning assets | 0.9646% | 865 |
| Net interest margin | 3.9860% | 1,143 |
| Noninterest income to average assets | 0.8640% | 1,322 |
| Noninterest expense to average assets | 3.9674% | 387 |
| Loan and lease loss provision to assets | 0.0278% | 3,986 |
| Net operating income to assets | 0.1181% | 4,684 |
| Return on assets (ROA) | 0.1181% | 4,713 |
| Pretax return on assets | 0.1181% | 4,713 |
| Return on Equity (ROE) | 2.5560% | 4,468 |
| Retained earnings to average equity (ytd only) | 2.5560% | 3,705 |
| Net charge-offs to loans | -0.0205% | 4,433 |
| Credit loss provision to net charge-offs | -200.0000% | 3,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4423% | 217 |
| Assets per employee ($millions) | 3.5441% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7499% | 4,487 |
| Loan loss allowance to noncurrent loans | 146.1290% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 504 |
| Noncurrent loans to loans | 0.5131% | 2,515 |
| Net loans and leases to total assets | 73.5558% | 1,427 |
| Net loans and leases to deposits | 81.6969% | 2,130 |
| Net loans and leases to core deposits | 85.6741% | 2,326 |
| Total domestic deposits to total assets | 90.0350% | 416 |
| Equity capital to assets | 4.3403% | 5,023 |
| Core capital (leverage) ratio | 4.5260% | 5,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 8.1437% | 3,123 |
| Memoranda: | ||
| Average total assets | $75,614,750 | 4,309 |
| Average earning assets | $61,647,000 | 4,437 |
| Average equity | $3,495,000 | 4,906 |
| Average total loans | $52,017,000 | 4,096 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1919% | 582 |
| Cost of funding earning assets | 1.0350% | 886 |
| Net interest margin | 4.1569% | 1,006 |
| Noninterest income to average assets | 0.9070% | 1,153 |
| Noninterest expense to average assets | 4.0979% | 372 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1684% | 4,608 |
| Return on assets (ROA) | 0.1684% | 4,651 |
| Pretax return on assets | 0.1684% | 4,662 |
| Return on Equity (ROE) | 3.5625% | 4,224 |
| Retained earnings to average equity (ytd only) | 3.5625% | 3,148 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0535% | 243 |
| Assets per employee ($millions) | 3.6910% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7219% | 4,519 |
| Loan loss allowance to noncurrent loans | 107.5188% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.6650% | 513 |
| Noncurrent loans to loans | 0.6715% | 2,185 |
| Net loans and leases to total assets | 72.6509% | 1,600 |
| Net loans and leases to deposits | 79.7259% | 2,461 |
| Net loans and leases to core deposits | 83.5597% | 2,650 |
| Total domestic deposits to total assets | 91.1258% | 129 |
| Equity capital to assets | 4.3447% | 5,056 |
| Core capital (leverage) ratio | 4.4246% | 5,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.9061% | 3,206 |
| Memoranda: | ||
| Average total assets | $73,648,000 | 4,342 |
| Average earning assets | $59,516,000 | 4,473 |
| Average equity | $3,480,667 | 4,939 |
| Average total loans | $49,218,667 | 4,158 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 545 |
| Cost of funding earning assets | 1.1279% | 958 |
| Net interest margin | 4.1812% | 961 |
| Noninterest income to average assets | 1.0076% | 847 |
| Noninterest expense to average assets | 4.2307% | 404 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1088% | 4,648 |
| Return on assets (ROA) | 0.1088% | 4,647 |
| Pretax return on assets | 0.1088% | 4,653 |
| Return on Equity (ROE) | 2.1984% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.1984% | 3,372 |
| Net charge-offs to loans | 0.0997% | 1,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.7273% | 2,349 |
| Efficiency ratio | 97.4934% | 288 |
| Assets per employee ($millions) | 3.3742% | 4,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 3,870 |
| Loan loss allowance to noncurrent loans | 57.1819% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.4415% | 290 |
| Noncurrent loans to loans | 1.6891% | 901 |
| Net loans and leases to total assets | 60.4863% | 3,445 |
| Net loans and leases to deposits | 65.8503% | 3,872 |
| Net loans and leases to core deposits | 69.4393% | 3,915 |
| Total domestic deposits to total assets | 91.8542% | 49 |
| Equity capital to assets | 4.9098% | 5,109 |
| Core capital (leverage) ratio | 4.9738% | 5,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 7.2325% | 3,397 |
| Memoranda: | ||
| Average total assets | $69,871,000 | 4,420 |
| Average earning assets | $55,678,000 | 4,545 |
| Average equity | $3,457,000 | 4,985 |
| Average total loans | $44,116,500 | 4,277 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7930% | 334 |
| Cost of funding earning assets | 1.0858% | 1,384 |
| Net interest margin | 4.7072% | 463 |
| Noninterest income to average assets | 0.9737% | 1,027 |
| Noninterest expense to average assets | 4.5210% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.0518% | 4,945 |
| Return on assets (ROA) | 0.0518% | 4,963 |
| Pretax return on assets | 0.0518% | 4,959 |
| Return on Equity (ROE) | 1.0376% | 4,912 |
| Retained earnings to average equity (ytd only) | 1.0376% | 4,371 |
| Net charge-offs to loans | 0.1980% | 1,026 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 0.3889% | 3,618 |
| Efficiency ratio | 98.8673% | 172 |
| Assets per employee ($millions) | 3.1310% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 3,717 |
| Loan loss allowance to noncurrent loans | 38.2903% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 3.2359% | 157 |
| Noncurrent loans to loans | 2.4981% | 431 |
| Net loans and leases to total assets | 64.6386% | 3,114 |
| Net loans and leases to deposits | 70.9890% | 3,594 |
| Net loans and leases to core deposits | 73.7560% | 3,739 |
| Total domestic deposits to total assets | 91.0544% | 114 |
| Equity capital to assets | 4.9867% | 5,170 |
| Core capital (leverage) ratio | 5.0052% | 5,168 |
| Tier 1 risk-based capital ratio | 6.5699% | 5,170 |
| Total risk-based capital ratio | 7.3857% | 5,170 |
| Memoranda: | ||
| Average total assets | $67,574,000 | 4,472 |
| Average earning assets | $51,665,600 | 4,643 |
| Average equity | $3,373,200 | 5,050 |
| Average total loans | $45,446,400 | 4,272 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8614% | 317 |
| Cost of funding earning assets | 1.0382% | 1,590 |
| Net interest margin | 4.8232% | 400 |
| Noninterest income to average assets | 0.9636% | 1,013 |
| Noninterest expense to average assets | 4.5840% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0456% | 5,047 |
| Return on assets (ROA) | 0.0456% | 5,061 |
| Pretax return on assets | 0.0456% | 5,060 |
| Return on Equity (ROE) | 0.9134% | 5,020 |
| Retained earnings to average equity (ytd only) | 0.9134% | 4,588 |
| Net charge-offs to loans | 0.1434% | 1,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 0.4695% | 3,359 |
| Efficiency ratio | 99.0150% | 159 |
| Assets per employee ($millions) | 2.8328% | 4,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,361 |
| Loan loss allowance to noncurrent loans | 34.5334% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 3.9772% | 106 |
| Noncurrent loans to loans | 3.0016% | 327 |
| Net loans and leases to total assets | 66.0009% | 3,047 |
| Net loans and leases to deposits | 73.8719% | 3,487 |
| Net loans and leases to core deposits | 76.1769% | 3,687 |
| Total domestic deposits to total assets | 89.3450% | 504 |
| Equity capital to assets | 4.9995% | 5,248 |
| Core capital (leverage) ratio | 5.1082% | 5,245 |
| Tier 1 risk-based capital ratio | 6.8110% | 5,246 |
| Total risk-based capital ratio | 7.7389% | 5,247 |
| Memoranda: | ||
| Average total assets | $67,246,750 | 4,534 |
| Average earning assets | $51,112,750 | 4,723 |
| Average equity | $3,357,750 | 5,128 |
| Average total loans | $45,569,250 | 4,323 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9185% | 273 |
| Cost of funding earning assets | 1.0035% | 1,682 |
| Net interest margin | 4.9149% | 343 |
| Noninterest income to average assets | 0.9313% | 1,000 |
| Noninterest expense to average assets | 4.5881% | 280 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0567% | 5,079 |
| Return on assets (ROA) | 0.0567% | 5,086 |
| Pretax return on assets | 0.0567% | 5,090 |
| Return on Equity (ROE) | 1.1364% | 5,033 |
| Retained earnings to average equity (ytd only) | 1.1364% | 4,399 |
| Net charge-offs to loans | -0.0131% | 4,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7789% | 169 |
| Assets per employee ($millions) | 2.8076% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 3,023 |
| Loan loss allowance to noncurrent loans | 65.4135% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 3.4312% | 151 |
| Noncurrent loans to loans | 1.6959% | 901 |
| Net loans and leases to total assets | 69.0585% | 2,668 |
| Net loans and leases to deposits | 77.2884% | 3,218 |
| Net loans and leases to core deposits | 79.7166% | 3,447 |
| Total domestic deposits to total assets | 89.3518% | 521 |
| Equity capital to assets | 5.0295% | 5,294 |
| Core capital (leverage) ratio | 5.2557% | 5,293 |
| Tier 1 risk-based capital ratio | 6.8133% | 5,293 |
| Total risk-based capital ratio | 7.8451% | 5,294 |
| Memoranda: | ||
| Average total assets | $67,000,000 | 4,567 |
| Average earning assets | $50,621,330 | 4,767 |
| Average equity | $3,344,000 | 5,168 |
| Average total loans | $45,645,000 | 4,353 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8364% | 292 |
| Cost of funding earning assets | 1.0216% | 1,472 |
| Net interest margin | 4.8148% | 393 |
| Noninterest income to average assets | 0.9160% | 1,006 |
| Noninterest expense to average assets | 4.5144% | 281 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0419% | 5,123 |
| Return on assets (ROA) | 0.0419% | 5,126 |
| Pretax return on assets | 0.0419% | 5,125 |
| Return on Equity (ROE) | 0.8430% | 5,090 |
| Retained earnings to average equity (ytd only) | 0.8430% | 4,355 |
| Net charge-offs to loans | -0.0267% | 4,599 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0802% | 190 |
| Assets per employee ($millions) | 2.8496% | 5,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 2,727 |
| Loan loss allowance to noncurrent loans | 86.2810% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 3.2560% | 173 |
| Noncurrent loans to loans | 1.3587% | 1,191 |
| Net loans and leases to total assets | 67.1453% | 2,879 |
| Net loans and leases to deposits | 72.6596% | 3,555 |
| Net loans and leases to core deposits | 73.9266% | 3,799 |
| Total domestic deposits to total assets | 92.4107% | 44 |
| Equity capital to assets | 5.0854% | 5,351 |
| Core capital (leverage) ratio | 5.1912% | 5,350 |
| Tier 1 risk-based capital ratio | 6.8794% | 5,351 |
| Total risk-based capital ratio | 7.9248% | 5,351 |
| Memoranda: | ||
| Average total assets | $66,809,000 | 4,624 |
| Average earning assets | $50,510,500 | 4,819 |
| Average equity | $3,321,500 | 5,222 |
| Average total loans | $44,940,000 | 4,411 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 607 |
| Cost of funding earning assets | 1.0225% | 694 |
| Net interest margin | 4.2546% | 1,265 |
| Noninterest income to average assets | 0.9714% | 1,006 |
| Noninterest expense to average assets | 4.5240% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.2576% | 5,281 |
| Return on assets (ROA) | -0.2576% | 5,278 |
| Pretax return on assets | -0.2576% | 5,276 |
| Return on Equity (ROE) | -5.4897% | 5,321 |
| Retained earnings to average equity (ytd only) | -5.4897% | 5,256 |
| Net charge-offs to loans | 0.0918% | 1,857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | -4.2727% | 3,742 |
| Efficiency ratio | 106.0373% | 103 |
| Assets per employee ($millions) | 2.9599% | 5,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,860 |
| Loan loss allowance to noncurrent loans | 84.5277% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 4.0659% | 109 |
| Noncurrent loans to loans | 1.3539% | 1,156 |
| Net loans and leases to total assets | 65.8539% | 3,152 |
| Net loans and leases to deposits | 74.4087% | 3,469 |
| Net loans and leases to core deposits | 76.0406% | 3,718 |
| Total domestic deposits to total assets | 88.5029% | 1,069 |
| Equity capital to assets | 4.8621% | 5,394 |
| Core capital (leverage) ratio | 4.8976% | 5,395 |
| Tier 1 risk-based capital ratio | 6.8431% | 5,397 |
| Total risk-based capital ratio | 7.8672% | 5,397 |
| Memoranda: | ||
| Average total assets | $72,988,000 | 4,536 |
| Average earning assets | $56,527,400 | 4,738 |
| Average equity | $3,424,600 | 5,243 |
| Average total loans | $47,922,600 | 4,355 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1662% | 674 |
| Cost of funding earning assets | 1.0027% | 588 |
| Net interest margin | 4.1635% | 1,457 |
| Noninterest income to average assets | 0.6504% | 2,067 |
| Noninterest expense to average assets | 4.1866% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.3055% | 5,367 |
| Return on assets (ROA) | -0.3055% | 5,365 |
| Pretax return on assets | -0.3055% | 5,358 |
| Return on Equity (ROE) | -6.5637% | 5,400 |
| Retained earnings to average equity (ytd only) | -6.5637% | 5,342 |
| Net charge-offs to loans | 0.1181% | 1,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -3.9536% | 3,455 |
| Efficiency ratio | 107.8704% | 93 |
| Assets per employee ($millions) | 3.2812% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1155% | 3,104 |
| Loan loss allowance to noncurrent loans | 67.0103% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 4.0617% | 120 |
| Noncurrent loans to loans | 1.6647% | 935 |
| Net loans and leases to total assets | 63.8545% | 3,445 |
| Net loans and leases to deposits | 73.5820% | 3,632 |
| Net loans and leases to core deposits | 75.1304% | 3,867 |
| Total domestic deposits to total assets | 86.7800% | 1,832 |
| Equity capital to assets | 4.5812% | 5,468 |
| Core capital (leverage) ratio | 4.7807% | 5,470 |
| Tier 1 risk-based capital ratio | 6.6285% | 5,470 |
| Total risk-based capital ratio | 7.6150% | 5,470 |
| Memoranda: | ||
| Average total assets | $74,204,000 | 4,571 |
| Average earning assets | $57,577,750 | 4,770 |
| Average equity | $3,453,250 | 5,312 |
| Average total loans | $48,552,750 | 4,388 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 642 |
| Cost of funding earning assets | 0.9785% | 519 |
| Net interest margin | 4.1404% | 1,445 |
| Noninterest income to average assets | 0.9536% | 1,043 |
| Noninterest expense to average assets | 4.1802% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0053% | 5,345 |
| Return on assets (ROA) | -0.0053% | 5,338 |
| Pretax return on assets | -0.0053% | 5,337 |
| Return on Equity (ROE) | -0.1142% | 5,341 |
| Retained earnings to average equity (ytd only) | -0.1142% | 4,974 |
| Net charge-offs to loans | 0.1016% | 1,336 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.0800% | 3,145 |
| Efficiency ratio | 100.1280% | 171 |
| Assets per employee ($millions) | 3.5877% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 3,297 |
| Loan loss allowance to noncurrent loans | 61.7681% | 4,175 |
| Noncurrent assets plus other real estate owned to assets | 4.1850% | 125 |
| Noncurrent loans to loans | 1.7717% | 884 |
| Net loans and leases to total assets | 64.5399% | 3,338 |
| Net loans and leases to deposits | 74.6939% | 3,467 |
| Net loans and leases to core deposits | 76.5013% | 3,702 |
| Total domestic deposits to total assets | 86.4058% | 2,095 |
| Equity capital to assets | 4.6256% | 5,530 |
| Core capital (leverage) ratio | 4.4283% | 5,534 |
| Tier 1 risk-based capital ratio | 6.3526% | 5,536 |
| Total risk-based capital ratio | 7.3804% | 5,535 |
| Memoranda: | ||
| Average total assets | $74,876,670 | 4,610 |
| Average earning assets | $58,255,000 | 4,812 |
| Average equity | $3,502,000 | 5,370 |
| Average total loans | $49,199,000 | 4,422 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 692 |
| Cost of funding earning assets | 0.9354% | 499 |
| Net interest margin | 4.0718% | 1,511 |
| Noninterest income to average assets | 0.9753% | 967 |
| Noninterest expense to average assets | 4.3727% | 330 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.2251% | 5,454 |
| Return on assets (ROA) | -0.2251% | 5,448 |
| Pretax return on assets | -0.2251% | 5,447 |
| Return on Equity (ROE) | -4.7707% | 5,498 |
| Retained earnings to average equity (ytd only) | -4.7707% | 5,194 |
| Net charge-offs to loans | -0.0163% | 4,452 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4264% | 128 |
| Assets per employee ($millions) | 3.6189% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 3,086 |
| Loan loss allowance to noncurrent loans | 57.1284% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 4.5686% | 112 |
| Noncurrent loans to loans | 2.0156% | 786 |
| Net loans and leases to total assets | 63.8223% | 3,332 |
| Net loans and leases to deposits | 74.0165% | 3,415 |
| Net loans and leases to core deposits | 76.4176% | 3,634 |
| Total domestic deposits to total assets | 86.2271% | 2,436 |
| Equity capital to assets | 4.5699% | 5,589 |
| Core capital (leverage) ratio | 4.4747% | 5,596 |
| Tier 1 risk-based capital ratio | 6.3221% | 5,598 |
| Total risk-based capital ratio | 7.3973% | 5,597 |
| Memoranda: | ||
| Average total assets | $74,644,500 | 4,664 |
| Average earning assets | $58,155,500 | 4,869 |
| Average equity | $3,521,500 | 5,422 |
| Average total loans | $49,217,000 | 4,462 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0191% | 624 |
| Cost of funding earning assets | 0.9339% | 312 |
| Net interest margin | 4.0852% | 1,493 |
| Noninterest income to average assets | 1.5748% | 421 |
| Noninterest expense to average assets | 5.2708% | 190 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.5633% | 5,545 |
| Return on assets (ROA) | -0.7319% | 5,565 |
| Pretax return on assets | -0.7319% | 5,576 |
| Return on Equity (ROE) | -14.6466% | 5,623 |
| Retained earnings to average equity (ytd only) | -14.6466% | 5,590 |
| Net charge-offs to loans | 0.0984% | 2,095 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -8.7959% | 4,083 |
| Efficiency ratio | 111.9656% | 91 |
| Assets per employee ($millions) | 3.1866% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 3,114 |
| Loan loss allowance to noncurrent loans | 56.0757% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 4.8259% | 106 |
| Noncurrent loans to loans | 2.0338% | 742 |
| Net loans and leases to total assets | 66.5871% | 3,020 |
| Net loans and leases to deposits | 78.0037% | 3,113 |
| Net loans and leases to core deposits | 80.6555% | 3,366 |
| Total domestic deposits to total assets | 85.3640% | 2,704 |
| Equity capital to assets | 4.8709% | 5,650 |
| Core capital (leverage) ratio | 4.9157% | 5,654 |
| Tier 1 risk-based capital ratio | 7.1764% | 5,656 |
| Total risk-based capital ratio | 8.2834% | 5,657 |
| Memoranda: | ||
| Average total assets | $76,516,600 | 4,657 |
| Average earning assets | $58,675,600 | 4,889 |
| Average equity | $3,823,400 | 5,445 |
| Average total loans | $49,821,400 | 4,458 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9608% | 664 |
| Cost of funding earning assets | 0.9311% | 292 |
| Net interest margin | 4.0297% | 1,604 |
| Noninterest income to average assets | 0.8604% | 1,398 |
| Noninterest expense to average assets | 4.4660% | 324 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.5087% | 5,631 |
| Return on assets (ROA) | -0.7311% | 5,653 |
| Pretax return on assets | -0.7311% | 5,646 |
| Return on Equity (ROE) | -14.5448% | 5,697 |
| Retained earnings to average equity (ytd only) | -14.5448% | 5,659 |
| Net charge-offs to loans | 0.1282% | 1,501 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -6.1456% | 3,760 |
| Efficiency ratio | 112.8540% | 83 |
| Assets per employee ($millions) | 3.4321% | 4,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1468% | 3,216 |
| Loan loss allowance to noncurrent loans | 55.5665% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 4.8751% | 108 |
| Noncurrent loans to loans | 2.0638% | 816 |
| Net loans and leases to total assets | 64.3896% | 3,335 |
| Net loans and leases to deposits | 75.6500% | 3,407 |
| Net loans and leases to core deposits | 77.8361% | 3,652 |
| Total domestic deposits to total assets | 85.1151% | 2,673 |
| Equity capital to assets | 4.9427% | 5,718 |
| Core capital (leverage) ratio | 4.9695% | 5,718 |
| Tier 1 risk-based capital ratio | 7.1410% | 5,721 |
| Total risk-based capital ratio | 8.2028% | 5,721 |
| Memoranda: | ||
| Average total assets | $77,322,750 | 4,688 |
| Average earning assets | $59,424,500 | 4,924 |
| Average equity | $3,886,750 | 5,499 |
| Average total loans | $49,935,250 | 4,507 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 647 |
| Cost of funding earning assets | 0.8674% | 372 |
| Net interest margin | 4.0647% | 1,418 |
| Noninterest income to average assets | 0.7725% | 1,678 |
| Noninterest expense to average assets | 4.4656% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.5544% | 5,687 |
| Return on assets (ROA) | -0.8854% | 5,711 |
| Pretax return on assets | -0.8854% | 5,704 |
| Return on Equity (ROE) | -17.5201% | 5,748 |
| Retained earnings to average equity (ytd only) | -17.5201% | 5,714 |
| Net charge-offs to loans | 0.1156% | 1,480 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -7.4483% | 3,471 |
| Efficiency ratio | 114.1732% | 88 |
| Assets per employee ($millions) | 3.4113% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1756% | 3,166 |
| Loan loss allowance to noncurrent loans | 59.0679% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 4.7516% | 119 |
| Noncurrent loans to loans | 1.9903% | 844 |
| Net loans and leases to total assets | 65.3022% | 3,212 |
| Net loans and leases to deposits | 76.8753% | 3,237 |
| Net loans and leases to core deposits | 78.4567% | 3,558 |
| Total domestic deposits to total assets | 84.9456% | 2,838 |
| Equity capital to assets | 5.0754% | 5,766 |
| Core capital (leverage) ratio | 4.9611% | 5,768 |
| Tier 1 risk-based capital ratio | 7.3079% | 5,767 |
| Total risk-based capital ratio | 8.4057% | 5,769 |
| Memoranda: | ||
| Average total assets | $77,928,330 | 4,704 |
| Average earning assets | $60,177,330 | 4,944 |
| Average equity | $3,938,330 | 5,529 |
| Average total loans | $50,186,330 | 4,523 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8733% | 658 |
| Cost of funding earning assets | 0.7264% | 736 |
| Net interest margin | 4.1470% | 1,102 |
| Noninterest income to average assets | 0.5544% | 2,638 |
| Noninterest expense to average assets | 3.8454% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1260% | 5,659 |
| Return on assets (ROA) | -0.5947% | 5,749 |
| Pretax return on assets | -0.5947% | 5,743 |
| Return on Equity (ROE) | -11.7912% | 5,788 |
| Retained earnings to average equity (ytd only) | -11.7912% | 5,617 |
| Net charge-offs to loans | 0.2298% | 782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -0.8621% | 2,873 |
| Efficiency ratio | 103.3875% | 183 |
| Assets per employee ($millions) | 3.5445% | 4,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,387 |
| Loan loss allowance to noncurrent loans | 46.6773% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 5.8829% | 85 |
| Noncurrent loans to loans | 2.4734% | 631 |
| Net loans and leases to total assets | 61.2274% | 3,631 |
| Net loans and leases to deposits | 73.2321% | 3,479 |
| Net loans and leases to core deposits | 74.7365% | 3,763 |
| Total domestic deposits to total assets | 83.6073% | 3,621 |
| Equity capital to assets | 4.8722% | 5,831 |
| Core capital (leverage) ratio | 5.2969% | 5,828 |
| Tier 1 risk-based capital ratio | 7.4429% | 5,832 |
| Total risk-based capital ratio | 8.4906% | 5,833 |
| Memoranda: | ||
| Average total assets | $79,368,500 | 4,726 |
| Average earning assets | $60,574,500 | 4,983 |
| Average equity | $4,003,000 | 5,585 |
| Average total loans | $50,484,000 | 4,546 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2347% | 394 |
| Cost of funding earning assets | 0.8050% | 491 |
| Net interest margin | 4.4298% | 724 |
| Noninterest income to average assets | 1.7588% | 402 |
| Noninterest expense to average assets | 4.2199% | 481 |
| Loan and lease loss provision to assets | 0.0376% | 3,620 |
| Net operating income to assets | 0.7874% | 3,363 |
| Return on assets (ROA) | 0.8137% | 3,352 |
| Pretax return on assets | 0.8137% | 4,150 |
| Return on Equity (ROE) | 16.1957% | 490 |
| Retained earnings to average equity (ytd only) | 16.1957% | 84 |
| Net charge-offs to loans | 1.1813% | 143 |
| Credit loss provision to net charge-offs | 4.9180% | 3,765 |
| Earnings coverage of net charge-offs (x) | 1.0803% | 4,045 |
| Efficiency ratio | 83.6476% | 1,042 |
| Assets per employee ($millions) | 3.5097% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 3,050 |
| Loan loss allowance to noncurrent loans | 43.3121% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 7.2747% | 60 |
| Noncurrent loans to loans | 2.7997% | 518 |
| Net loans and leases to total assets | 64.5720% | 3,279 |
| Net loans and leases to deposits | 72.2559% | 3,686 |
| Net loans and leases to core deposits | 73.3422% | 3,978 |
| Total domestic deposits to total assets | 89.3658% | 916 |
| Equity capital to assets | 5.2245% | 5,873 |
| Core capital (leverage) ratio | 5.2067% | 5,878 |
| Tier 1 risk-based capital ratio | 7.3612% | 5,885 |
| Total risk-based capital ratio | 8.4346% | 5,886 |
| Memoranda: | ||
| Average total assets | $79,883,400 | 4,734 |
| Average earning assets | $59,258,000 | 5,040 |
| Average equity | $4,013,400 | 5,639 |
| Average total loans | $51,636,200 | 4,532 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2040% | 421 |
| Cost of funding earning assets | 0.8101% | 478 |
| Net interest margin | 4.3939% | 789 |
| Noninterest income to average assets | 2.1518% | 320 |
| Noninterest expense to average assets | 4.3516% | 430 |
| Loan and lease loss provision to assets | 0.0497% | 3,250 |
| Net operating income to assets | 0.9915% | 2,476 |
| Return on assets (ROA) | 1.0262% | 2,440 |
| Pretax return on assets | 1.0262% | 3,529 |
| Return on Equity (ROE) | 20.6237% | 211 |
| Retained earnings to average equity (ytd only) | 20.6237% | 50 |
| Net charge-offs to loans | 0.6496% | 311 |
| Credit loss provision to net charge-offs | 11.8577% | 3,352 |
| Earnings coverage of net charge-offs (x) | 2.4862% | 3,562 |
| Efficiency ratio | 80.6937% | 1,342 |
| Assets per employee ($millions) | 3.7542% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 991 |
| Loan loss allowance to noncurrent loans | 36.9424% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 8.2938% | 54 |
| Noncurrent loans to loans | 4.9121% | 174 |
| Net loans and leases to total assets | 63.4807% | 3,460 |
| Net loans and leases to deposits | 70.5672% | 3,930 |
| Net loans and leases to core deposits | 71.5514% | 4,195 |
| Total domestic deposits to total assets | 89.9579% | 497 |
| Equity capital to assets | 5.0465% | 5,948 |
| Core capital (leverage) ratio | 5.1392% | 5,945 |
| Tier 1 risk-based capital ratio | 6.9520% | 5,955 |
| Total risk-based capital ratio | 8.2065% | 5,954 |
| Memoranda: | ||
| Average total assets | $80,551,000 | 4,764 |
| Average earning assets | $59,414,750 | 5,081 |
| Average equity | $4,008,250 | 5,705 |
| Average total loans | $51,927,750 | 4,556 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2556% | 390 |
| Cost of funding earning assets | 0.8244% | 427 |
| Net interest margin | 4.4312% | 713 |
| Noninterest income to average assets | 2.8346% | 218 |
| Noninterest expense to average assets | 4.4522% | 401 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.6126% | 697 |
| Return on assets (ROA) | 1.6351% | 708 |
| Pretax return on assets | 1.6351% | 1,268 |
| Return on Equity (ROE) | 33.0215% | 33 |
| Retained earnings to average equity (ytd only) | 33.0215% | 16 |
| Net charge-offs to loans | 0.9487% | 196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.6393% | 3,244 |
| Efficiency ratio | 73.4104% | 2,449 |
| Assets per employee ($millions) | 3.6245% | 4,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 957 |
| Loan loss allowance to noncurrent loans | 41.0035% | 5,030 |
| Noncurrent assets plus other real estate owned to assets | 9.7518% | 47 |
| Noncurrent loans to loans | 4.5359% | 224 |
| Net loans and leases to total assets | 62.7334% | 3,537 |
| Net loans and leases to deposits | 69.0840% | 4,074 |
| Net loans and leases to core deposits | 70.0730% | 4,319 |
| Total domestic deposits to total assets | 90.8075% | 228 |
| Equity capital to assets | 5.2785% | 6,025 |
| Core capital (leverage) ratio | 5.2283% | 6,022 |
| Tier 1 risk-based capital ratio | 7.6387% | 6,025 |
| Total risk-based capital ratio | 8.8939% | 6,024 |
| Memoranda: | ||
| Average total assets | $79,870,670 | 4,820 |
| Average earning assets | $58,224,000 | 5,162 |
| Average equity | $3,955,000 | 5,775 |
| Average total loans | $51,437,330 | 4,603 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3126% | 345 |
| Cost of funding earning assets | 0.8359% | 410 |
| Net interest margin | 4.4767% | 637 |
| Noninterest income to average assets | 4.7237% | 131 |
| Noninterest expense to average assets | 4.7988% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.1675% | 81 |
| Return on assets (ROA) | 3.2075% | 80 |
| Pretax return on assets | 3.2075% | 113 |
| Return on Equity (ROE) | 66.9801% | 13 |
| Retained earnings to average equity (ytd only) | 66.9801% | 7 |
| Net charge-offs to loans | 1.5328% | 118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.1970% | 2,575 |
| Efficiency ratio | 60.2387% | 4,712 |
| Assets per employee ($millions) | 3.6896% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9664% | 866 |
| Loan loss allowance to noncurrent loans | 26.8286% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 11.5534% | 39 |
| Noncurrent loans to loans | 7.3294% | 87 |
| Net loans and leases to total assets | 61.0514% | 3,643 |
| Net loans and leases to deposits | 67.8905% | 4,071 |
| Net loans and leases to core deposits | 68.8450% | 4,333 |
| Total domestic deposits to total assets | 89.9262% | 633 |
| Equity capital to assets | 5.1274% | 6,088 |
| Core capital (leverage) ratio | 5.1732% | 6,086 |
| Tier 1 risk-based capital ratio | 7.3083% | 6,088 |
| Total risk-based capital ratio | 8.5638% | 6,088 |
| Memoranda: | ||
| Average total assets | $79,936,500 | 4,859 |
| Average earning assets | $57,900,000 | 5,218 |
| Average equity | $3,828,000 | 5,839 |
| Average total loans | $51,670,500 | 4,625 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5094% | 259 |
| Cost of funding earning assets | 0.8150% | 452 |
| Net interest margin | 4.6944% | 450 |
| Noninterest income to average assets | 0.8509% | 1,604 |
| Noninterest expense to average assets | 4.9451% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.5171% | 6,049 |
| Return on assets (ROA) | -0.5159% | 6,054 |
| Pretax return on assets | -0.5159% | 6,046 |
| Return on Equity (ROE) | -11.2738% | 6,112 |
| Retained earnings to average equity (ytd only) | -11.2738% | 6,054 |
| Net charge-offs to loans | 0.4714% | 577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -1.6719% | 4,351 |
| Efficiency ratio | 111.6786% | 129 |
| Assets per employee ($millions) | 2.9149% | 5,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2580% | 544 |
| Loan loss allowance to noncurrent loans | 29.3958% | 5,341 |
| Noncurrent assets plus other real estate owned to assets | 10.5880% | 50 |
| Noncurrent loans to loans | 7.6812% | 79 |
| Net loans and leases to total assets | 65.5625% | 3,048 |
| Net loans and leases to deposits | 72.7197% | 3,647 |
| Net loans and leases to core deposits | 73.7719% | 3,960 |
| Total domestic deposits to total assets | 90.1578% | 568 |
| Equity capital to assets | 4.4395% | 6,153 |
| Core capital (leverage) ratio | 4.3849% | 6,151 |
| Tier 1 risk-based capital ratio | 6.3513% | 6,154 |
| Total risk-based capital ratio | 7.6119% | 6,153 |
| Memoranda: | ||
| Average total assets | $81,798,800 | 4,831 |
| Average earning assets | $62,329,600 | 5,121 |
| Average equity | $3,743,200 | 5,899 |
| Average total loans | $53,669,000 | 4,563 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5672% | 238 |
| Cost of funding earning assets | 0.8104% | 468 |
| Net interest margin | 4.7568% | 413 |
| Noninterest income to average assets | 0.8041% | 1,788 |
| Noninterest expense to average assets | 4.9361% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.4925% | 6,136 |
| Return on assets (ROA) | -0.4925% | 6,139 |
| Pretax return on assets | -0.4925% | 6,131 |
| Return on Equity (ROE) | -10.6861% | 6,187 |
| Retained earnings to average equity (ytd only) | -10.6861% | 6,135 |
| Net charge-offs to loans | 0.6111% | 368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -1.2348% | 4,061 |
| Efficiency ratio | 111.0828% | 142 |
| Assets per employee ($millions) | 2.9465% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2501% | 617 |
| Loan loss allowance to noncurrent loans | 41.9321% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 8.6750% | 71 |
| Noncurrent loans to loans | 5.3660% | 174 |
| Net loans and leases to total assets | 63.0841% | 3,440 |
| Net loans and leases to deposits | 70.1614% | 3,966 |
| Net loans and leases to core deposits | 71.3806% | 4,244 |
| Total domestic deposits to total assets | 89.9128% | 609 |
| Equity capital to assets | 4.3951% | 6,240 |
| Core capital (leverage) ratio | 4.4164% | 6,237 |
| Tier 1 risk-based capital ratio | 6.3571% | 6,243 |
| Total risk-based capital ratio | 7.6168% | 6,243 |
| Memoranda: | ||
| Average total assets | $82,573,000 | 4,875 |
| Average earning assets | $63,178,000 | 5,170 |
| Average equity | $3,805,500 | 5,969 |
| Average total loans | $53,888,500 | 4,605 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7859% | 167 |
| Cost of funding earning assets | 0.8094% | 472 |
| Net interest margin | 4.9765% | 259 |
| Noninterest income to average assets | 0.8233% | 1,686 |
| Noninterest expense to average assets | 4.9978% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.3632% | 6,152 |
| Return on assets (ROA) | -0.3632% | 6,167 |
| Pretax return on assets | -0.3632% | 6,158 |
| Return on Equity (ROE) | -7.7613% | 6,234 |
| Retained earnings to average equity (ytd only) | -7.7613% | 6,123 |
| Net charge-offs to loans | 0.8096% | 265 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.6849% | 3,758 |
| Efficiency ratio | 107.8370% | 199 |
| Assets per employee ($millions) | 2.8642% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2627% | 671 |
| Loan loss allowance to noncurrent loans | 44.6956% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 7.5617% | 101 |
| Noncurrent loans to loans | 5.0624% | 221 |
| Net loans and leases to total assets | 63.7564% | 3,295 |
| Net loans and leases to deposits | 71.1581% | 3,803 |
| Net loans and leases to core deposits | 72.1381% | 4,119 |
| Total domestic deposits to total assets | 89.5983% | 846 |
| Equity capital to assets | 4.5207% | 6,309 |
| Core capital (leverage) ratio | 4.3487% | 6,312 |
| Tier 1 risk-based capital ratio | 6.4236% | 6,318 |
| Total risk-based capital ratio | 7.6840% | 6,317 |
| Memoranda: | ||
| Average total assets | $82,597,000 | 4,925 |
| Average earning assets | $63,257,000 | 5,216 |
| Average equity | $3,865,330 | 6,013 |
| Average total loans | $54,103,670 | 4,642 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 531 |
| Cost of funding earning assets | 0.8336% | 415 |
| Net interest margin | 4.2127% | 1,034 |
| Noninterest income to average assets | 0.8547% | 1,548 |
| Noninterest expense to average assets | 4.3563% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.2865% | 6,183 |
| Return on assets (ROA) | -0.2865% | 6,201 |
| Pretax return on assets | -0.2865% | 6,185 |
| Return on Equity (ROE) | -6.0196% | 6,278 |
| Retained earnings to average equity (ytd only) | -6.0196% | 5,990 |
| Net charge-offs to loans | 1.2652% | 163 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.3450% | 3,137 |
| Efficiency ratio | 107.0406% | 226 |
| Assets per employee ($millions) | 2.7743% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3481% | 664 |
| Loan loss allowance to noncurrent loans | 37.7705% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 8.5945% | 87 |
| Noncurrent loans to loans | 6.2168% | 170 |
| Net loans and leases to total assets | 63.6589% | 3,140 |
| Net loans and leases to deposits | 71.8361% | 3,548 |
| Net loans and leases to core deposits | 72.8315% | 3,892 |
| Total domestic deposits to total assets | 88.6168% | 1,489 |
| Equity capital to assets | 4.6739% | 6,384 |
| Core capital (leverage) ratio | 4.7001% | 6,377 |
| Tier 1 risk-based capital ratio | 6.2041% | 6,389 |
| Total risk-based capital ratio | 7.4641% | 6,386 |
| Memoranda: | ||
| Average total assets | $82,364,000 | 4,978 |
| Average earning assets | $62,857,500 | 5,283 |
| Average equity | $3,920,500 | 6,062 |
| Average total loans | $54,063,500 | 4,673 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 439 |
| Cost of funding earning assets | 1.3332% | 47 |
| Net interest margin | 3.9824% | 1,946 |
| Noninterest income to average assets | 0.7511% | 2,071 |
| Noninterest expense to average assets | 4.6990% | 395 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.9613% | 6,373 |
| Return on assets (ROA) | -0.9613% | 6,372 |
| Pretax return on assets | -0.9613% | 6,364 |
| Return on Equity (ROE) | -17.6612% | 6,424 |
| Retained earnings to average equity (ytd only) | -17.6612% | 6,401 |
| Net charge-offs to loans | 0.6728% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -2.1127% | 4,839 |
| Efficiency ratio | 125.7202% | 102 |
| Assets per employee ($millions) | 2.8103% | 5,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6823% | 432 |
| Loan loss allowance to noncurrent loans | 42.2762% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 8.3129% | 111 |
| Noncurrent loans to loans | 6.3448% | 172 |
| Net loans and leases to total assets | 64.3264% | 3,173 |
| Net loans and leases to deposits | 72.8463% | 3,575 |
| Net loans and leases to core deposits | 78.5867% | 3,456 |
| Total domestic deposits to total assets | 88.3043% | 1,617 |
| Equity capital to assets | 4.8479% | 6,461 |
| Core capital (leverage) ratio | 4.8703% | 6,459 |
| Tier 1 risk-based capital ratio | 6.2851% | 6,476 |
| Total risk-based capital ratio | 7.5092% | 6,474 |
| Memoranda: | ||
| Average total assets | $78,016,400 | 5,108 |
| Average earning assets | $58,508,000 | 5,444 |
| Average equity | $4,246,600 | 6,038 |
| Average total loans | $52,767,400 | 4,734 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2502% | 474 |
| Cost of funding earning assets | 1.4096% | 40 |
| Net interest margin | 3.8406% | 2,474 |
| Noninterest income to average assets | 0.7898% | 1,934 |
| Noninterest expense to average assets | 4.7044% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.0422% | 6,467 |
| Return on assets (ROA) | -1.0422% | 6,467 |
| Pretax return on assets | -1.0422% | 6,454 |
| Return on Equity (ROE) | -18.6085% | 6,500 |
| Retained earnings to average equity (ytd only) | -18.6085% | 6,478 |
| Net charge-offs to loans | 0.7519% | 451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -2.0371% | 4,569 |
| Efficiency ratio | 108.4946% | 238 |
| Assets per employee ($millions) | 2.7258% | 6,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8447% | 423 |
| Loan loss allowance to noncurrent loans | 38.4655% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 9.4057% | 104 |
| Noncurrent loans to loans | 7.3955% | 153 |
| Net loans and leases to total assets | 64.9808% | 3,031 |
| Net loans and leases to deposits | 74.1094% | 3,421 |
| Net loans and leases to core deposits | 89.8510% | 2,236 |
| Total domestic deposits to total assets | 87.6822% | 1,933 |
| Equity capital to assets | 5.1437% | 6,521 |
| Core capital (leverage) ratio | 5.2562% | 6,517 |
| Tier 1 risk-based capital ratio | 6.6916% | 6,541 |
| Total risk-based capital ratio | 7.9564% | 6,541 |
| Memoranda: | ||
| Average total assets | $77,145,500 | 5,185 |
| Average earning assets | $57,697,500 | 5,520 |
| Average equity | $4,320,500 | 6,090 |
| Average total loans | $52,491,500 | 4,780 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2523% | 467 |
| Cost of funding earning assets | 1.4424% | 35 |
| Net interest margin | 3.8099% | 2,534 |
| Noninterest income to average assets | 0.6247% | 2,685 |
| Noninterest expense to average assets | 4.7261% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.2704% | 6,558 |
| Return on assets (ROA) | -1.2704% | 6,554 |
| Pretax return on assets | -1.2704% | 6,543 |
| Return on Equity (ROE) | -22.0642% | 6,583 |
| Retained earnings to average equity (ytd only) | -22.0642% | 6,546 |
| Net charge-offs to loans | 0.4774% | 840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -3.8880% | 4,281 |
| Efficiency ratio | 136.7625% | 77 |
| Assets per employee ($millions) | 2.5056% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1833% | 311 |
| Loan loss allowance to noncurrent loans | 38.1897% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 10.5956% | 90 |
| Noncurrent loans to loans | 8.3356% | 117 |
| Net loans and leases to total assets | 65.5857% | 2,822 |
| Net loans and leases to deposits | 75.0873% | 3,180 |
| Net loans and leases to core deposits | 93.3244% | 1,837 |
| Total domestic deposits to total assets | 87.3458% | 2,281 |
| Equity capital to assets | 5.3763% | 6,570 |
| Core capital (leverage) ratio | 5.5702% | 6,563 |
| Tier 1 risk-based capital ratio | 6.9496% | 6,598 |
| Total risk-based capital ratio | 8.2170% | 6,600 |
| Memoranda: | ||
| Average total assets | $76,511,330 | 5,239 |
| Average earning assets | $56,851,330 | 5,588 |
| Average equity | $4,405,330 | 6,118 |
| Average total loans | $52,365,330 | 4,812 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 704 |
| Cost of funding earning assets | 1.4852% | 35 |
| Net interest margin | 3.5221% | 3,594 |
| Noninterest income to average assets | 0.8323% | 1,632 |
| Noninterest expense to average assets | 4.5884% | 419 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.1326% | 6,590 |
| Return on assets (ROA) | -1.1326% | 6,586 |
| Pretax return on assets | -1.1326% | 6,579 |
| Return on Equity (ROE) | -19.0265% | 6,623 |
| Retained earnings to average equity (ytd only) | -19.0265% | 6,518 |
| Net charge-offs to loans | 0.4365% | 835 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -3.7719% | 3,566 |
| Efficiency ratio | 132.7744% | 109 |
| Assets per employee ($millions) | 2.5231% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3156% | 316 |
| Loan loss allowance to noncurrent loans | 27.9148% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 11.7331% | 79 |
| Noncurrent loans to loans | 11.8775% | 66 |
| Net loans and leases to total assets | 67.1498% | 2,363 |
| Net loans and leases to deposits | 78.7808% | 2,453 |
| Net loans and leases to core deposits | 99.8566% | 1,110 |
| Total domestic deposits to total assets | 85.2362% | 3,754 |
| Equity capital to assets | 5.8513% | 6,581 |
| Core capital (leverage) ratio | 5.9136% | 6,598 |
| Tier 1 risk-based capital ratio | 7.7242% | 6,632 |
| Total risk-based capital ratio | 8.9950% | 6,634 |
| Memoranda: | ||
| Average total assets | $75,930,000 | 5,301 |
| Average earning assets | $56,556,500 | 5,647 |
| Average equity | $4,520,000 | 6,131 |
| Average total loans | $52,239,000 | 4,854 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1574% | 695 |
| Cost of funding earning assets | 1.7725% | 21 |
| Net interest margin | 3.3849% | 4,341 |
| Noninterest income to average assets | 1.3464% | 765 |
| Noninterest expense to average assets | 5.1807% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -1.2355% | 6,643 |
| Return on assets (ROA) | -1.1511% | 6,630 |
| Pretax return on assets | -1.1511% | 6,624 |
| Return on Equity (ROE) | -23.8095% | 6,702 |
| Retained earnings to average equity (ytd only) | -23.8095% | 6,693 |
| Net charge-offs to loans | 0.4503% | 1,469 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -4.4181% | 5,380 |
| Efficiency ratio | 131.3168% | 115 |
| Assets per employee ($millions) | 2.3081% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4677% | 299 |
| Loan loss allowance to noncurrent loans | 38.0228% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 10.1302% | 124 |
| Noncurrent loans to loans | 9.1200% | 137 |
| Net loans and leases to total assets | 65.7862% | 2,724 |
| Net loans and leases to deposits | 77.3379% | 2,812 |
| Net loans and leases to core deposits | 100.0579% | 1,159 |
| Total domestic deposits to total assets | 85.0633% | 3,708 |
| Equity capital to assets | 6.0537% | 6,617 |
| Core capital (leverage) ratio | 6.2238% | 6,629 |
| Tier 1 risk-based capital ratio | 7.9373% | 6,697 |
| Total risk-based capital ratio | 9.2086% | 6,698 |
| Memoranda: | ||
| Average total assets | $82,962,200 | 5,166 |
| Average earning assets | $63,695,200 | 5,479 |
| Average equity | $4,011,000 | 6,323 |
| Average total loans | $51,515,800 | 4,916 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 969 |
| Cost of funding earning assets | 1.8078% | 21 |
| Net interest margin | 3.1782% | 5,061 |
| Noninterest income to average assets | 0.5008% | 3,798 |
| Noninterest expense to average assets | 4.9388% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.9654% | 6,800 |
| Return on assets (ROA) | -1.8552% | 6,797 |
| Pretax return on assets | -1.8552% | 6,793 |
| Return on Equity (ROE) | -40.6794% | 6,848 |
| Retained earnings to average equity (ytd only) | -40.6794% | 6,845 |
| Net charge-offs to loans | 0.2386% | 2,374 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | -13.5656% | 5,176 |
| Efficiency ratio | 166.1017% | 54 |
| Assets per employee ($millions) | 2.7933% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8196% | 266 |
| Loan loss allowance to noncurrent loans | 39.8112% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 10.5228% | 123 |
| Noncurrent loans to loans | 9.5944% | 152 |
| Net loans and leases to total assets | 62.4592% | 3,277 |
| Net loans and leases to deposits | 70.2756% | 3,745 |
| Net loans and leases to core deposits | 96.6446% | 1,342 |
| Total domestic deposits to total assets | 88.8775% | 1,625 |
| Equity capital to assets | 5.6015% | 6,727 |
| Core capital (leverage) ratio | 5.6882% | 6,748 |
| Tier 1 risk-based capital ratio | 7.8814% | 6,770 |
| Total risk-based capital ratio | 9.1575% | 6,771 |
| Memoranda: | ||
| Average total assets | $84,660,750 | 5,170 |
| Average earning assets | $65,862,750 | 5,461 |
| Average equity | $3,861,000 | 6,437 |
| Average total loans | $51,417,750 | 4,954 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 1,112 |
| Cost of funding earning assets | 1.8608% | 18 |
| Net interest margin | 3.0348% | 5,484 |
| Noninterest income to average assets | 0.2903% | 5,377 |
| Noninterest expense to average assets | 4.9164% | 380 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -2.2440% | 6,863 |
| Return on assets (ROA) | -2.0827% | 6,859 |
| Pretax return on assets | -2.0827% | 6,852 |
| Return on Equity (ROE) | -49.0282% | 6,903 |
| Retained earnings to average equity (ytd only) | -49.0282% | 6,898 |
| Net charge-offs to loans | 0.2092% | 2,505 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -18.0370% | 4,877 |
| Efficiency ratio | 183.9655% | 38 |
| Assets per employee ($millions) | 3.0010% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0235% | 252 |
| Loan loss allowance to noncurrent loans | 41.4328% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 10.5630% | 137 |
| Noncurrent loans to loans | 9.7109% | 168 |
| Net loans and leases to total assets | 58.2305% | 3,949 |
| Net loans and leases to deposits | 65.4138% | 4,331 |
| Net loans and leases to core deposits | 87.0278% | 2,226 |
| Total domestic deposits to total assets | 89.0186% | 1,624 |
| Equity capital to assets | 5.8202% | 6,754 |
| Core capital (leverage) ratio | 5.4763% | 6,799 |
| Tier 1 risk-based capital ratio | 8.3434% | 6,793 |
| Total risk-based capital ratio | 9.6363% | 6,794 |
| Memoranda: | ||
| Average total assets | $86,810,670 | 5,131 |
| Average earning assets | $68,142,330 | 5,440 |
| Average equity | $3,687,670 | 6,522 |
| Average total loans | $51,627,000 | 4,962 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 1,160 |
| Cost of funding earning assets | 1.7634% | 27 |
| Net interest margin | 3.1055% | 5,240 |
| Noninterest income to average assets | 0.6956% | 2,613 |
| Noninterest expense to average assets | 4.9051% | 393 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.7436% | 6,904 |
| Return on assets (ROA) | -1.7436% | 6,907 |
| Pretax return on assets | -1.7436% | 6,897 |
| Return on Equity (ROE) | -49.2831% | 6,972 |
| Retained earnings to average equity (ytd only) | -49.2831% | 6,964 |
| Net charge-offs to loans | 0.0303% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -97.7500% | 4,140 |
| Efficiency ratio | 155.1481% | 79 |
| Assets per employee ($millions) | 3.4148% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9619% | 297 |
| Loan loss allowance to noncurrent loans | 81.2500% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 8.0857% | 307 |
| Noncurrent loans to loans | 4.8762% | 791 |
| Net loans and leases to total assets | 53.3178% | 4,514 |
| Net loans and leases to deposits | 58.0691% | 5,021 |
| Net loans and leases to core deposits | 80.7262% | 2,722 |
| Total domestic deposits to total assets | 91.8178% | 282 |
| Equity capital to assets | 3.2972% | 6,965 |
| Core capital (leverage) ratio | 3.2102% | 6,962 |
| Tier 1 risk-based capital ratio | 4.8897% | 6,958 |
| Total risk-based capital ratio | 6.1651% | 6,960 |
| Memoranda: | ||
| Average total assets | $89,702,000 | 5,102 |
| Average earning assets | $71,228,000 | 5,405 |
| Average equity | $3,173,500 | 6,684 |
| Average total loans | $52,860,000 | 4,951 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5852% | 527 |
| Cost of funding earning assets | 2.0147% | 27 |
| Net interest margin | 3.5705% | 4,225 |
| Noninterest income to average assets | 0.4213% | 4,448 |
| Noninterest expense to average assets | 5.9522% | 225 |
| Loan and lease loss provision to assets | 0.7077% | 722 |
| Net operating income to assets | -3.4815% | 7,027 |
| Return on assets (ROA) | -3.4815% | 7,031 |
| Pretax return on assets | -3.4815% | 7,033 |
| Return on Equity (ROE) | -63.0754% | 7,043 |
| Retained earnings to average equity (ytd only) | -63.0754% | 7,042 |
| Net charge-offs to loans | 0.8711% | 1,315 |
| Credit loss provision to net charge-offs | 128.8032% | 2,184 |
| Earnings coverage of net charge-offs (x) | -5.0487% | 5,909 |
| Efficiency ratio | 187.2721% | 49 |
| Assets per employee ($millions) | 2.5648% | 6,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7262% | 347 |
| Loan loss allowance to noncurrent loans | 70.3845% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 9.3734% | 249 |
| Noncurrent loans to loans | 5.2940% | 719 |
| Net loans and leases to total assets | 60.2048% | 3,568 |
| Net loans and leases to deposits | 65.9511% | 4,298 |
| Net loans and leases to core deposits | 96.0589% | 1,296 |
| Total domestic deposits to total assets | 91.2871% | 404 |
| Equity capital to assets | 3.7923% | 7,013 |
| Core capital (leverage) ratio | 3.7156% | 7,008 |
| Tier 1 risk-based capital ratio | 5.2654% | 7,012 |
| Total risk-based capital ratio | 6.5391% | 7,015 |
| Memoranda: | ||
| Average total assets | $89,731,800 | 5,089 |
| Average earning assets | $69,289,800 | 5,454 |
| Average equity | $4,952,800 | 6,302 |
| Average total loans | $56,593,000 | 4,849 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6399% | 522 |
| Cost of funding earning assets | 2.0296% | 26 |
| Net interest margin | 3.6103% | 4,194 |
| Noninterest income to average assets | 0.5622% | 3,529 |
| Noninterest expense to average assets | 5.8798% | 223 |
| Loan and lease loss provision to assets | 0.9369% | 458 |
| Net operating income to assets | -3.4777% | 7,125 |
| Return on assets (ROA) | -3.4777% | 7,126 |
| Pretax return on assets | -3.4777% | 7,125 |
| Return on Equity (ROE) | -58.5840% | 7,135 |
| Retained earnings to average equity (ytd only) | -58.5840% | 7,131 |
| Net charge-offs to loans | 0.7961% | 1,385 |
| Credit loss provision to net charge-offs | 186.2170% | 1,487 |
| Earnings coverage of net charge-offs (x) | -5.0498% | 5,712 |
| Efficiency ratio | 176.0937% | 51 |
| Assets per employee ($millions) | 2.5515% | 6,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0209% | 303 |
| Loan loss allowance to noncurrent loans | 73.6842% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 10.2001% | 233 |
| Noncurrent loans to loans | 5.4570% | 788 |
| Net loans and leases to total assets | 58.3765% | 4,068 |
| Net loans and leases to deposits | 64.5837% | 4,645 |
| Net loans and leases to core deposits | 93.0829% | 1,677 |
| Total domestic deposits to total assets | 90.3889% | 635 |
| Equity capital to assets | 4.5542% | 7,072 |
| Core capital (leverage) ratio | 4.5838% | 7,052 |
| Tier 1 risk-based capital ratio | 6.4471% | 7,073 |
| Total risk-based capital ratio | 7.7250% | 7,073 |
| Memoranda: | ||
| Average total assets | $90,363,750 | 5,129 |
| Average earning assets | $69,503,500 | 5,509 |
| Average equity | $5,364,250 | 6,255 |
| Average total loans | $57,108,000 | 4,883 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7412% | 451 |
| Cost of funding earning assets | 2.0547% | 28 |
| Net interest margin | 3.6865% | 3,889 |
| Noninterest income to average assets | 0.6305% | 3,073 |
| Noninterest expense to average assets | 5.4786% | 277 |
| Loan and lease loss provision to assets | 1.4000% | 271 |
| Net operating income to assets | -3.4238% | 7,173 |
| Return on assets (ROA) | -3.4238% | 7,174 |
| Pretax return on assets | -3.4238% | 7,168 |
| Return on Equity (ROE) | -53.5825% | 7,174 |
| Retained earnings to average equity (ytd only) | -53.5825% | 7,169 |
| Net charge-offs to loans | 0.8684% | 1,270 |
| Credit loss provision to net charge-offs | 251.9841% | 1,140 |
| Earnings coverage of net charge-offs (x) | -3.6429% | 5,422 |
| Efficiency ratio | 158.5833% | 87 |
| Assets per employee ($millions) | 2.5476% | 6,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0124% | 341 |
| Loan loss allowance to noncurrent loans | 60.7917% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 12.0022% | 181 |
| Noncurrent loans to loans | 6.6003% | 623 |
| Net loans and leases to total assets | 60.9822% | 3,631 |
| Net loans and leases to deposits | 67.9980% | 4,206 |
| Net loans and leases to core deposits | 98.2279% | 1,250 |
| Total domestic deposits to total assets | 89.6823% | 1,110 |
| Equity capital to assets | 5.4325% | 7,070 |
| Core capital (leverage) ratio | 5.4126% | 7,039 |
| Tier 1 risk-based capital ratio | 7.2613% | 7,079 |
| Total risk-based capital ratio | 8.5356% | 7,079 |
| Memoranda: | ||
| Average total assets | $90,717,330 | 5,146 |
| Average earning assets | $69,497,670 | 5,540 |
| Average equity | $5,796,670 | 6,176 |
| Average total loans | $58,038,670 | 4,870 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7310% | 487 |
| Cost of funding earning assets | 2.0746% | 32 |
| Net interest margin | 3.6564% | 4,027 |
| Noninterest income to average assets | 0.5159% | 3,808 |
| Noninterest expense to average assets | 4.6649% | 472 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.3597% | 7,067 |
| Return on assets (ROA) | -1.3597% | 7,080 |
| Pretax return on assets | -1.3597% | 7,059 |
| Return on Equity (ROE) | -19.8310% | 7,108 |
| Retained earnings to average equity (ytd only) | -19.8310% | 7,042 |
| Net charge-offs to loans | 0.7219% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -2.9340% | 4,640 |
| Efficiency ratio | 141.1376% | 131 |
| Assets per employee ($millions) | 2.6018% | 6,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0561% | 790 |
| Loan loss allowance to noncurrent loans | 31.8522% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 13.8331% | 133 |
| Noncurrent loans to loans | 9.5946% | 331 |
| Net loans and leases to total assets | 62.1793% | 3,224 |
| Net loans and leases to deposits | 70.1857% | 3,712 |
| Net loans and leases to core deposits | 175.4066% | 66 |
| Total domestic deposits to total assets | 88.5926% | 1,958 |
| Equity capital to assets | 6.7238% | 6,974 |
| Core capital (leverage) ratio | 6.6882% | 6,934 |
| Tier 1 risk-based capital ratio | 8.8517% | 7,044 |
| Total risk-based capital ratio | 10.1177% | 7,047 |
| Memoranda: | ||
| Average total assets | $91,492,500 | 5,162 |
| Average earning assets | $69,796,000 | 5,571 |
| Average equity | $6,273,000 | 6,080 |
| Average total loans | $58,733,500 | 4,867 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8459% | 581 |
| Cost of funding earning assets | 2.0094% | 95 |
| Net interest margin | 3.8364% | 3,643 |
| Noninterest income to average assets | 0.7073% | 2,555 |
| Noninterest expense to average assets | 4.8812% | 416 |
| Loan and lease loss provision to assets | 1.5031% | 490 |
| Net operating income to assets | -2.6530% | 7,133 |
| Return on assets (ROA) | -2.6530% | 7,142 |
| Pretax return on assets | -2.6440% | 7,141 |
| Return on Equity (ROE) | -32.3587% | 7,110 |
| Retained earnings to average equity (ytd only) | -32.3587% | 7,103 |
| Net charge-offs to loans | 3.8971% | 164 |
| Credit loss provision to net charge-offs | 58.4979% | 5,209 |
| Earnings coverage of net charge-offs (x) | -0.4441% | 6,057 |
| Efficiency ratio | 130.5053% | 228 |
| Assets per employee ($millions) | 2.4844% | 6,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2002% | 680 |
| Loan loss allowance to noncurrent loans | 38.4068% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 12.8708% | 176 |
| Noncurrent loans to loans | 8.3323% | 463 |
| Net loans and leases to total assets | 62.1936% | 3,565 |
| Net loans and leases to deposits | 70.3151% | 4,046 |
| Net loans and leases to core deposits | 175.2898% | 84 |
| Total domestic deposits to total assets | 88.4499% | 1,880 |
| Equity capital to assets | 6.9875% | 6,970 |
| Core capital (leverage) ratio | 6.9104% | 6,892 |
| Tier 1 risk-based capital ratio | 9.1410% | 7,018 |
| Total risk-based capital ratio | 10.4087% | 7,015 |
| Memoranda: | ||
| Average total assets | $100,527,800 | 4,878 |
| Average earning assets | $79,474,600 | 5,246 |
| Average equity | $8,242,000 | 5,501 |
| Average total loans | $66,280,800 | 4,622 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8232% | 670 |
| Cost of funding earning assets | 1.9832% | 127 |
| Net interest margin | 3.8400% | 3,667 |
| Noninterest income to average assets | 0.7181% | 2,486 |
| Noninterest expense to average assets | 4.8006% | 438 |
| Loan and lease loss provision to assets | 0.2597% | 3,424 |
| Net operating income to assets | -1.2673% | 6,977 |
| Return on assets (ROA) | -1.2673% | 6,998 |
| Pretax return on assets | -1.2673% | 6,956 |
| Return on Equity (ROE) | -14.9631% | 7,015 |
| Retained earnings to average equity (ytd only) | -14.9631% | 6,990 |
| Net charge-offs to loans | 1.1162% | 1,420 |
| Credit loss provision to net charge-offs | 35.0877% | 5,342 |
| Earnings coverage of net charge-offs (x) | -1.3614% | 5,974 |
| Efficiency ratio | 126.5662% | 253 |
| Assets per employee ($millions) | 2.7125% | 6,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0873% | 365 |
| Loan loss allowance to noncurrent loans | 35.4583% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 15.3171% | 123 |
| Noncurrent loans to loans | 11.5271% | 253 |
| Net loans and leases to total assets | 65.9525% | 2,909 |
| Net loans and leases to deposits | 76.1709% | 3,303 |
| Net loans and leases to core deposits | 195.5001% | 69 |
| Total domestic deposits to total assets | 86.5848% | 2,886 |
| Equity capital to assets | 8.7949% | 5,986 |
| Core capital (leverage) ratio | 8.3820% | 5,880 |
| Tier 1 risk-based capital ratio | 11.0221% | 6,530 |
| Total risk-based capital ratio | 12.2995% | 6,501 |
| Memoranda: | ||
| Average total assets | $102,679,500 | 4,848 |
| Average earning assets | $82,220,500 | 5,210 |
| Average equity | $8,696,750 | 5,389 |
| Average total loans | $68,086,250 | 4,594 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7438% | 807 |
| Cost of funding earning assets | 1.9551% | 168 |
| Net interest margin | 3.7887% | 3,843 |
| Noninterest income to average assets | 0.6254% | 2,976 |
| Noninterest expense to average assets | 4.0955% | 917 |
| Loan and lease loss provision to assets | 0.3768% | 2,532 |
| Net operating income to assets | -0.7912% | 6,865 |
| Return on assets (ROA) | -0.7912% | 6,877 |
| Pretax return on assets | -0.7912% | 6,820 |
| Return on Equity (ROE) | -9.4467% | 6,919 |
| Retained earnings to average equity (ytd only) | -9.4467% | 6,855 |
| Net charge-offs to loans | 0.2470% | 3,642 |
| Credit loss provision to net charge-offs | 232.5581% | 1,290 |
| Earnings coverage of net charge-offs (x) | -2.5581% | 5,740 |
| Efficiency ratio | 111.2590% | 457 |
| Assets per employee ($millions) | 2.9089% | 6,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6606% | 240 |
| Loan loss allowance to noncurrent loans | 39.1797% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 13.0671% | 207 |
| Noncurrent loans to loans | 11.8955% | 260 |
| Net loans and leases to total assets | 61.8035% | 3,924 |
| Net loans and leases to deposits | 70.7273% | 4,334 |
| Net loans and leases to core deposits | 166.9249% | 108 |
| Total domestic deposits to total assets | 87.3828% | 2,531 |
| Equity capital to assets | 8.5667% | 6,108 |
| Core capital (leverage) ratio | 8.4987% | 5,557 |
| Tier 1 risk-based capital ratio | 11.4332% | 6,222 |
| Total risk-based capital ratio | 12.7181% | 6,181 |
| Memoranda: | ||
| Average total assets | $106,164,670 | 4,795 |
| Average earning assets | $85,623,000 | 5,134 |
| Average equity | $8,892,000 | 5,356 |
| Average total loans | $69,643,000 | 4,589 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7231% | 843 |
| Cost of funding earning assets | 1.9694% | 184 |
| Net interest margin | 3.7536% | 3,825 |
| Noninterest income to average assets | 0.6018% | 3,151 |
| Noninterest expense to average assets | 3.9800% | 1,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3101% | 6,671 |
| Return on assets (ROA) | -0.3101% | 6,681 |
| Pretax return on assets | -0.3101% | 6,627 |
| Return on Equity (ROE) | -3.7429% | 6,721 |
| Retained earnings to average equity (ytd only) | -3.7429% | 6,383 |
| Net charge-offs to loans | 0.1399% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -3.3600% | 4,997 |
| Efficiency ratio | 108.4507% | 530 |
| Assets per employee ($millions) | 3.4512% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2179% | 366 |
| Loan loss allowance to noncurrent loans | 36.6209% | 5,854 |
| Noncurrent assets plus other real estate owned to assets | 12.5100% | 238 |
| Noncurrent loans to loans | 11.5179% | 306 |
| Net loans and leases to total assets | 62.3390% | 3,784 |
| Net loans and leases to deposits | 70.8847% | 4,210 |
| Net loans and leases to core deposits | 167.0943% | 113 |
| Total domestic deposits to total assets | 87.9442% | 2,405 |
| Equity capital to assets | 8.3637% | 6,092 |
| Core capital (leverage) ratio | 8.0981% | 6,134 |
| Tier 1 risk-based capital ratio | 11.2636% | 6,295 |
| Total risk-based capital ratio | 12.5434% | 6,245 |
| Memoranda: | ||
| Average total assets | $108,340,500 | 4,781 |
| Average earning assets | $88,554,000 | 5,072 |
| Average equity | $8,977,000 | 5,340 |
| Average total loans | $71,464,500 | 4,561 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8527% | 1,144 |
| Cost of funding earning assets | 2.2207% | 288 |
| Net interest margin | 3.6320% | 4,660 |
| Noninterest income to average assets | 0.5749% | 3,631 |
| Noninterest expense to average assets | 4.9370% | 437 |
| Loan and lease loss provision to assets | 2.4083% | 477 |
| Net operating income to assets | -4.3684% | 7,477 |
| Return on assets (ROA) | -4.2380% | 7,477 |
| Pretax return on assets | -3.6785% | 7,392 |
| Return on Equity (ROE) | -38.4742% | 7,331 |
| Retained earnings to average equity (ytd only) | -38.4742% | 7,323 |
| Net charge-offs to loans | 1.4745% | 1,495 |
| Credit loss provision to net charge-offs | 238.9937% | 1,211 |
| Earnings coverage of net charge-offs (x) | -1.3899% | 6,662 |
| Efficiency ratio | 139.6057% | 260 |
| Assets per employee ($millions) | 3.5385% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0410% | 386 |
| Loan loss allowance to noncurrent loans | 36.7357% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 12.3907% | 258 |
| Noncurrent loans to loans | 11.0003% | 356 |
| Net loans and leases to total assets | 64.1196% | 3,849 |
| Net loans and leases to deposits | 74.1831% | 4,164 |
| Net loans and leases to core deposits | 168.4332% | 123 |
| Total domestic deposits to total assets | 86.4342% | 3,116 |
| Equity capital to assets | 8.2100% | 6,250 |
| Core capital (leverage) ratio | 8.2353% | 5,779 |
| Tier 1 risk-based capital ratio | 10.8659% | 6,435 |
| Total risk-based capital ratio | 12.1442% | 6,392 |
| Memoranda: | ||
| Average total assets | $110,452,800 | 4,704 |
| Average earning assets | $90,061,200 | 5,014 |
| Average equity | $12,166,600 | 4,565 |
| Average total loans | $75,482,800 | 4,467 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3298% | 476 |
| Cost of funding earning assets | 2.2828% | 290 |
| Net interest margin | 4.0470% | 2,872 |
| Noninterest income to average assets | 0.3434% | 5,426 |
| Noninterest expense to average assets | 4.6322% | 516 |
| Loan and lease loss provision to assets | 1.9281% | 629 |
| Net operating income to assets | -2.9162% | 7,435 |
| Return on assets (ROA) | -2.7427% | 7,416 |
| Pretax return on assets | -2.7427% | 7,370 |
| Return on Equity (ROE) | -23.4209% | 7,283 |
| Retained earnings to average equity (ytd only) | -23.4209% | 7,272 |
| Net charge-offs to loans | 1.1013% | 1,846 |
| Credit loss provision to net charge-offs | 254.7771% | 1,308 |
| Earnings coverage of net charge-offs (x) | -1.3057% | 6,487 |
| Efficiency ratio | 127.1164% | 322 |
| Assets per employee ($millions) | 3.0706% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1676% | 720 |
| Loan loss allowance to noncurrent loans | 40.0402% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 10.2089% | 392 |
| Noncurrent loans to loans | 7.9111% | 662 |
| Net loans and leases to total assets | 66.0388% | 3,683 |
| Net loans and leases to deposits | 78.3480% | 3,768 |
| Net loans and leases to core deposits | 125.0128% | 475 |
| Total domestic deposits to total assets | 84.2891% | 3,966 |
| Equity capital to assets | 10.4314% | 3,597 |
| Core capital (leverage) ratio | 10.0559% | 3,201 |
| Tier 1 risk-based capital ratio | 13.2944% | 4,359 |
| Total risk-based capital ratio | 14.5631% | 4,311 |
| Memoranda: | ||
| Average total assets | $110,642,250 | 4,751 |
| Average earning assets | $90,238,000 | 5,059 |
| Average equity | $12,956,750 | 4,449 |
| Average total loans | $76,029,000 | 4,526 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3524% | 458 |
| Cost of funding earning assets | 2.3170% | 322 |
| Net interest margin | 4.0354% | 2,853 |
| Noninterest income to average assets | 0.3994% | 4,923 |
| Noninterest expense to average assets | 4.1924% | 821 |
| Loan and lease loss provision to assets | 1.0842% | 1,326 |
| Net operating income to assets | -1.5758% | 7,179 |
| Return on assets (ROA) | -1.5740% | 7,188 |
| Pretax return on assets | -1.5740% | 7,105 |
| Return on Equity (ROE) | -12.9690% | 7,073 |
| Retained earnings to average equity (ytd only) | -12.9690% | 7,033 |
| Net charge-offs to loans | 0.3725% | 3,496 |
| Credit loss provision to net charge-offs | 422.5352% | 858 |
| Earnings coverage of net charge-offs (x) | -1.9155% | 6,204 |
| Efficiency ratio | 113.2813% | 501 |
| Assets per employee ($millions) | 3.1396% | 5,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4779% | 1,328 |
| Loan loss allowance to noncurrent loans | 123.1275% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 6.6869% | 821 |
| Noncurrent loans to loans | 2.0124% | 3,700 |
| Net loans and leases to total assets | 65.2552% | 3,993 |
| Net loans and leases to deposits | 78.8640% | 3,823 |
| Net loans and leases to core deposits | 135.5834% | 335 |
| Total domestic deposits to total assets | 82.7439% | 4,671 |
| Equity capital to assets | 11.4645% | 2,475 |
| Core capital (leverage) ratio | 11.5348% | 1,899 |
| Tier 1 risk-based capital ratio | 14.7416% | 3,308 |
| Total risk-based capital ratio | 16.0020% | 3,268 |
| Memoranda: | ||
| Average total assets | $110,676,000 | 4,783 |
| Average earning assets | $90,548,330 | 5,075 |
| Average equity | $13,432,000 | 4,343 |
| Average total loans | $76,242,670 | 4,564 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5533% | 330 |
| Cost of funding earning assets | 2.3777% | 324 |
| Net interest margin | 4.1755% | 2,138 |
| Noninterest income to average assets | 0.2995% | 5,751 |
| Noninterest expense to average assets | 4.8584% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.1397% | 7,190 |
| Return on assets (ROA) | -1.1397% | 7,206 |
| Pretax return on assets | -1.1397% | 7,119 |
| Return on Equity (ROE) | -9.1301% | 7,103 |
| Retained earnings to average equity (ytd only) | -9.1301% | 6,907 |
| Net charge-offs to loans | 0.7316% | 2,041 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -2.2286% | 5,486 |
| Efficiency ratio | 130.6483% | 332 |
| Assets per employee ($millions) | 2.9650% | 6,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 3,257 |
| Loan loss allowance to noncurrent loans | 32.5754% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 7.2950% | 718 |
| Noncurrent loans to loans | 5.0597% | 1,425 |
| Net loans and leases to total assets | 69.3499% | 3,080 |
| Net loans and leases to deposits | 85.2181% | 2,724 |
| Net loans and leases to core deposits | 172.6132% | 151 |
| Total domestic deposits to total assets | 81.3793% | 5,319 |
| Equity capital to assets | 12.3266% | 1,857 |
| Core capital (leverage) ratio | 11.8163% | 1,741 |
| Tier 1 risk-based capital ratio | 15.1744% | 3,026 |
| Total risk-based capital ratio | 16.4267% | 2,987 |
| Memoranda: | ||
| Average total assets | $109,500,500 | 4,883 |
| Average earning assets | $89,665,000 | 5,177 |
| Average equity | $13,669,000 | 4,316 |
| Average total loans | $76,549,000 | 4,625 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9053% | 318 |
| Cost of funding earning assets | 2.4245% | 1,229 |
| Net interest margin | 4.4808% | 1,214 |
| Noninterest income to average assets | 0.6808% | 3,084 |
| Noninterest expense to average assets | 3.4067% | 2,657 |
| Loan and lease loss provision to assets | 1.1689% | 1,964 |
| Net operating income to assets | -0.8285% | 6,458 |
| Return on assets (ROA) | -0.8238% | 6,457 |
| Pretax return on assets | -0.2590% | 5,788 |
| Return on Equity (ROE) | -6.1301% | 6,319 |
| Retained earnings to average equity (ytd only) | -7.8419% | 6,331 |
| Net charge-offs to loans | 1.7443% | 1,436 |
| Credit loss provision to net charge-offs | 93.9850% | 5,852 |
| Earnings coverage of net charge-offs (x) | 0.7278% | 5,372 |
| Efficiency ratio | 79.0067% | 3,039 |
| Assets per employee ($millions) | 3.0360% | 6,133 |
| Cash dividends to net income (ytd only)* | -27.9228% | 7,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 2,343 |
| Loan loss allowance to noncurrent loans | 33.1228% | 6,239 |
| Noncurrent assets plus other real estate owned to assets | 8.0992% | 547 |
| Noncurrent loans to loans | 5.6442% | 1,134 |
| Net loans and leases to total assets | 68.0049% | 3,701 |
| Net loans and leases to deposits | 83.8705% | 3,301 |
| Net loans and leases to core deposits | 177.4822% | 176 |
| Total domestic deposits to total assets | 81.0833% | 5,316 |
| Equity capital to assets | 12.6401% | 1,675 |
| Core capital (leverage) ratio | 12.1098% | 1,618 |
| Tier 1 risk-based capital ratio | 15.6904% | 2,644 |
| Total risk-based capital ratio | 16.9445% | 2,585 |
| Memoranda: | ||
| Average total assets | $106,937,600 | 4,904 |
| Average earning assets | $86,658,000 | 5,240 |
| Average equity | $14,371,600 | 4,176 |
| Average total loans | $76,249,800 | 4,645 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0113% | 296 |
| Cost of funding earning assets | 2.4450% | 1,470 |
| Net interest margin | 4.5663% | 1,047 |
| Noninterest income to average assets | 0.5717% | 3,907 |
| Noninterest expense to average assets | 4.3190% | 893 |
| Loan and lease loss provision to assets | 0.5642% | 3,134 |
| Net operating income to assets | -0.6143% | 6,530 |
| Return on assets (ROA) | -0.6080% | 6,533 |
| Pretax return on assets | -0.6080% | 6,400 |
| Return on Equity (ROE) | -4.4564% | 6,393 |
| Retained earnings to average equity (ytd only) | -6.7167% | 6,475 |
| Net charge-offs to loans | 1.5938% | 1,282 |
| Credit loss provision to net charge-offs | 49.2881% | 6,318 |
| Earnings coverage of net charge-offs (x) | -0.0438% | 6,121 |
| Efficiency ratio | 101.1747% | 1,013 |
| Assets per employee ($millions) | 3.0902% | 5,934 |
| Cash dividends to net income (ytd only)* | -50.7214% | 7,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3720% | 4,105 |
| Loan loss allowance to noncurrent loans | 16.6104% | 7,262 |
| Noncurrent assets plus other real estate owned to assets | 11.0392% | 281 |
| Noncurrent loans to loans | 8.2601% | 578 |
| Net loans and leases to total assets | 64.9452% | 4,659 |
| Net loans and leases to deposits | 80.0908% | 4,367 |
| Net loans and leases to core deposits | 147.7575% | 633 |
| Total domestic deposits to total assets | 81.0894% | 5,044 |
| Equity capital to assets | 12.4316% | 1,991 |
| Core capital (leverage) ratio | 11.9607% | 1,819 |
| Tier 1 risk-based capital ratio | 16.0155% | 2,623 |
| Total risk-based capital ratio | 17.1850% | 2,588 |
| Memoranda: | ||
| Average total assets | $106,348,250 | 4,949 |
| Average earning assets | $86,107,000 | 5,300 |
| Average equity | $14,510,750 | 4,186 |
| Average total loans | $76,376,750 | 4,683 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3038% | 206 |
| Cost of funding earning assets | 2.5321% | 1,501 |
| Net interest margin | 4.7717% | 696 |
| Noninterest income to average assets | 0.5362% | 4,139 |
| Noninterest expense to average assets | 4.4539% | 805 |
| Loan and lease loss provision to assets | 0.5787% | 2,706 |
| Net operating income to assets | -0.6578% | 6,712 |
| Return on assets (ROA) | -0.6481% | 6,708 |
| Pretax return on assets | -0.6481% | 6,565 |
| Return on Equity (ROE) | -4.5997% | 6,563 |
| Retained earnings to average equity (ytd only) | -6.8448% | 6,541 |
| Net charge-offs to loans | 1.2197% | 1,503 |
| Credit loss provision to net charge-offs | 64.1026% | 5,526 |
| Earnings coverage of net charge-offs (x) | -0.0876% | 5,784 |
| Efficiency ratio | 101.8078% | 1,099 |
| Assets per employee ($millions) | 2.8304% | 6,560 |
| Cash dividends to net income (ytd only)* | -48.8095% | 8,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7325% | 2,235 |
| Loan loss allowance to noncurrent loans | 32.1783% | 6,321 |
| Noncurrent assets plus other real estate owned to assets | 9.2490% | 358 |
| Noncurrent loans to loans | 5.3841% | 1,092 |
| Net loans and leases to total assets | 71.9255% | 3,244 |
| Net loans and leases to deposits | 91.7221% | 2,520 |
| Net loans and leases to core deposits | 181.6393% | 209 |
| Total domestic deposits to total assets | 78.4168% | 5,971 |
| Equity capital to assets | 13.7350% | 1,409 |
| Core capital (leverage) ratio | 13.6816% | 1,216 |
| Tier 1 risk-based capital ratio | 16.5556% | 2,428 |
| Total risk-based capital ratio | 17.8095% | 2,374 |
| Memoranda: | ||
| Average total assets | $103,685,000 | 5,053 |
| Average earning assets | $83,408,670 | 5,434 |
| Average equity | $14,609,670 | 4,180 |
| Average total loans | $76,739,000 | 4,711 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9404% | 382 |
| Cost of funding earning assets | 2.6998% | 1,272 |
| Net interest margin | 4.2405% | 1,777 |
| Noninterest income to average assets | 0.6475% | 3,211 |
| Noninterest expense to average assets | 4.3813% | 804 |
| Loan and lease loss provision to assets | 0.5816% | 2,163 |
| Net operating income to assets | -0.9112% | 7,201 |
| Return on assets (ROA) | -0.8918% | 7,214 |
| Pretax return on assets | -0.8918% | 7,093 |
| Return on Equity (ROE) | -6.2489% | 7,086 |
| Retained earnings to average equity (ytd only) | -8.4768% | 6,961 |
| Net charge-offs to loans | 0.5626% | 2,060 |
| Credit loss provision to net charge-offs | 138.8889% | 2,926 |
| Earnings coverage of net charge-offs (x) | -0.7870% | 5,321 |
| Efficiency ratio | 108.1340% | 860 |
| Assets per employee ($millions) | 2.4103% | 7,439 |
| Cash dividends to net income (ytd only)* | -35.6522% | 8,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 1,430 |
| Loan loss allowance to noncurrent loans | 109.8571% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 7.0145% | 482 |
| Noncurrent loans to loans | 1.8162% | 3,538 |
| Net loans and leases to total assets | 72.8896% | 3,033 |
| Net loans and leases to deposits | 93.5287% | 2,357 |
| Net loans and leases to core deposits | 192.6235% | 166 |
| Total domestic deposits to total assets | 77.9329% | 6,036 |
| Equity capital to assets | 14.0733% | 1,342 |
| Core capital (leverage) ratio | 14.1835% | 1,151 |
| Tier 1 risk-based capital ratio | 16.7400% | 2,431 |
| Total risk-based capital ratio | 17.9962% | 2,354 |
| Memoranda: | ||
| Average total assets | $103,165,000 | 5,092 |
| Average earning assets | $82,819,500 | 5,464 |
| Average equity | $14,722,500 | 4,188 |
| Average total loans | $76,782,500 | 4,741 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5781% | 97 |
| Cost of funding earning assets | 3.2878% | 957 |
| Net interest margin | 5.2903% | 288 |
| Noninterest income to average assets | 0.8600% | 2,165 |
| Noninterest expense to average assets | 4.1066% | 1,267 |
| Loan and lease loss provision to assets | 1.0859% | 1,335 |
| Net operating income to assets | 0.0031% | 6,360 |
| Return on assets (ROA) | 0.0050% | 6,217 |
| Pretax return on assets | 0.0655% | 6,016 |
| Return on Equity (ROE) | 0.0328% | 6,222 |
| Retained earnings to average equity (ytd only) | -3.2269% | 6,156 |
| Net charge-offs to loans | 1.1052% | 1,103 |
| Credit loss provision to net charge-offs | 131.5018% | 4,052 |
| Earnings coverage of net charge-offs (x) | 1.3907% | 5,433 |
| Efficiency ratio | 78.1466% | 2,896 |
| Assets per employee ($millions) | 2.3881% | 7,422 |
| Cash dividends to net income (ytd only)* | 9,940.0000% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9560% | 1,310 |
| Loan loss allowance to noncurrent loans | 51.8724% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 5.0415% | 684 |
| Noncurrent loans to loans | 3.7708% | 1,321 |
| Net loans and leases to total assets | 73.0238% | 3,353 |
| Net loans and leases to deposits | 94.1042% | 2,742 |
| Net loans and leases to core deposits | 187.7372% | 226 |
| Total domestic deposits to total assets | 77.5989% | 5,840 |
| Equity capital to assets | 14.4702% | 1,304 |
| Core capital (leverage) ratio | 14.4804% | 1,146 |
| Tier 1 risk-based capital ratio | 17.1964% | 2,254 |
| Total risk-based capital ratio | 18.4528% | 2,205 |
| Memoranda: | ||
| Average total assets | $99,183,000 | 5,078 |
| Average earning assets | $82,395,800 | 5,354 |
| Average equity | $15,246,600 | 4,089 |
| Average total loans | $74,105,800 | 4,734 |