Home > First Mutual Bank, FSB > Performance and Condition Ratios
First Mutual Bank, FSB, 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 | 4.1377% | 4,201 |
| Cost of funding earning assets | 1.3003% | 3,595 |
| Net interest margin | 2.8374% | 3,649 |
| Noninterest income to average assets | 0.4200% | 2,117 |
| Noninterest expense to average assets | 2.4692% | 2,391 |
| Loan and lease loss provision to assets | -0.0100% | 4,145 |
| Net operating income to assets | 0.4199% | 3,698 |
| Return on assets (ROA) | 0.4199% | 3,724 |
| Pretax return on assets | 0.5025% | 3,715 |
| Return on Equity (ROE) | 4.9000% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.9010% | 2,596 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 83.1515% | 768 |
| Assets per employee ($millions) | 5.0601% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 3,785 |
| Loan loss allowance to noncurrent loans | 114.4269% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 1,579 |
| Noncurrent loans to loans | 0.7252% | 1,419 |
| Net loans and leases to total assets | 62.1600% | 2,682 |
| Net loans and leases to deposits | 76.2834% | 2,384 |
| Net loans and leases to core deposits | 78.1556% | 2,808 |
| Total domestic deposits to total assets | 81.4900% | 3,402 |
| Equity capital to assets | 8.8418% | 3,042 |
| Core capital (leverage) ratio | 9.2023% | 3,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8549% | 777 |
| Memoranda: | ||
| Average total assets | $111,452,000 | 3,682 |
| Average earning assets | $99,668,000 | 3,707 |
| Average equity | $9,549,000 | 3,824 |
| Average total loans | $70,198,500 | 3,586 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 3,959 |
| Cost of funding earning assets | 2.0624% | 2,072 |
| Net interest margin | 2.3512% | 4,043 |
| Noninterest income to average assets | 0.3500% | 2,750 |
| Noninterest expense to average assets | 2.4311% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1153% | 4,073 |
| Return on assets (ROA) | 0.0790% | 4,137 |
| Pretax return on assets | 0.0089% | 4,171 |
| Return on Equity (ROE) | 1.0500% | 4,098 |
| Retained earnings to average equity (ytd only) | 1.0451% | 3,658 |
| Net charge-offs to loans | 0.0029% | 2,885 |
| Credit loss provision to net charge-offs | 400.0000% | 742 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,571 |
| Efficiency ratio | 94.4354% | 376 |
| Assets per employee ($millions) | 5.3134% | 3,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8199% | 3,821 |
| Loan loss allowance to noncurrent loans | 196.2712% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 2,189 |
| Noncurrent loans to loans | 0.4177% | 2,025 |
| Net loans and leases to total assets | 62.7700% | 2,689 |
| Net loans and leases to deposits | 78.0990% | 2,277 |
| Net loans and leases to core deposits | 79.7468% | 2,794 |
| Total domestic deposits to total assets | 80.3700% | 3,509 |
| Equity capital to assets | 8.2944% | 3,345 |
| Core capital (leverage) ratio | 8.9349% | 3,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0601% | 755 |
| Memoranda: | ||
| Average total assets | $124,060,000 | 3,589 |
| Average earning assets | $112,200,400 | 3,595 |
| Average equity | $9,377,000 | 3,819 |
| Average total loans | $68,634,000 | 3,596 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5515% | 3,775 |
| Cost of funding earning assets | 2.2463% | 1,644 |
| Net interest margin | 2.3052% | 4,073 |
| Noninterest income to average assets | 0.3400% | 2,783 |
| Noninterest expense to average assets | 2.3924% | 2,547 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 0.0472% | 4,177 |
| Return on assets (ROA) | 0.0472% | 4,211 |
| Pretax return on assets | 0.0315% | 4,214 |
| Return on Equity (ROE) | 0.6400% | 4,177 |
| Retained earnings to average equity (ytd only) | 0.6378% | 3,816 |
| Net charge-offs to loans | 0.0039% | 2,564 |
| Credit loss provision to net charge-offs | 400.0000% | 737 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 1,836 |
| Efficiency ratio | 94.8209% | 382 |
| Assets per employee ($millions) | 5.3943% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8420% | 3,822 |
| Loan loss allowance to noncurrent loans | 140.5340% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 0.3637% | 1,779 |
| Noncurrent loans to loans | 0.5991% | 1,593 |
| Net loans and leases to total assets | 60.1900% | 2,909 |
| Net loans and leases to deposits | 75.3795% | 2,576 |
| Net loans and leases to core deposits | 77.3847% | 2,994 |
| Total domestic deposits to total assets | 79.8500% | 3,485 |
| Equity capital to assets | 8.8656% | 3,125 |
| Core capital (leverage) ratio | 7.4704% | 4,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0067% | 792 |
| Memoranda: | ||
| Average total assets | $127,179,750 | 3,562 |
| Average earning assets | $115,270,500 | 3,580 |
| Average equity | $9,407,500 | 3,835 |
| Average total loans | $68,137,750 | 3,612 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 3,951 |
| Cost of funding earning assets | 2.1090% | 1,854 |
| Net interest margin | 2.2608% | 4,110 |
| Noninterest income to average assets | 0.3400% | 2,750 |
| Noninterest expense to average assets | 2.3488% | 2,653 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 0.0455% | 4,181 |
| Return on assets (ROA) | 0.0455% | 4,210 |
| Pretax return on assets | 0.0303% | 4,217 |
| Return on Equity (ROE) | 0.6500% | 4,178 |
| Retained earnings to average equity (ytd only) | 0.6525% | 3,679 |
| Net charge-offs to loans | 0.0059% | 2,213 |
| Credit loss provision to net charge-offs | 400.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,827 |
| Efficiency ratio | 94.6066% | 416 |
| Assets per employee ($millions) | 6.6300% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8330% | 3,860 |
| Loan loss allowance to noncurrent loans | 113.9764% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3649% | 1,706 |
| Noncurrent loans to loans | 0.7308% | 1,275 |
| Net loans and leases to total assets | 49.5100% | 3,671 |
| Net loans and leases to deposits | 73.4708% | 2,728 |
| Net loans and leases to core deposits | 75.9269% | 3,042 |
| Total domestic deposits to total assets | 67.3900% | 4,289 |
| Equity capital to assets | 6.5287% | 4,096 |
| Core capital (leverage) ratio | 7.2134% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0264% | 919 |
| Memoranda: | ||
| Average total assets | $131,812,667 | 3,530 |
| Average earning assets | $119,869,000 | 3,538 |
| Average equity | $9,195,667 | 3,833 |
| Average total loans | $67,928,667 | 3,619 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3552% | 3,899 |
| Cost of funding earning assets | 2.0022% | 1,987 |
| Net interest margin | 2.3530% | 4,060 |
| Noninterest income to average assets | 0.3600% | 2,553 |
| Noninterest expense to average assets | 2.4605% | 2,354 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.0468% | 4,178 |
| Return on assets (ROA) | 0.0468% | 4,215 |
| Pretax return on assets | 0.0312% | 4,222 |
| Return on Equity (ROE) | 0.6500% | 4,181 |
| Retained earnings to average equity (ytd only) | 0.6488% | 3,567 |
| Net charge-offs to loans | 0.0179% | 1,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 1,942 |
| Efficiency ratio | 95.2381% | 408 |
| Assets per employee ($millions) | 6.0713% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 3,823 |
| Loan loss allowance to noncurrent loans | 151.5957% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.2693% | 2,024 |
| Noncurrent loans to loans | 0.5635% | 1,517 |
| Net loans and leases to total assets | 47.3700% | 3,746 |
| Net loans and leases to deposits | 69.9503% | 2,886 |
| Net loans and leases to core deposits | 72.2404% | 3,200 |
| Total domestic deposits to total assets | 67.7200% | 4,347 |
| Equity capital to assets | 6.5211% | 4,076 |
| Core capital (leverage) ratio | 7.4309% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2075% | 902 |
| Memoranda: | ||
| Average total assets | $128,103,500 | 3,578 |
| Average earning assets | $116,275,000 | 3,590 |
| Average equity | $9,248,500 | 3,845 |
| Average total loans | $67,138,000 | 3,636 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 4,310 |
| Cost of funding earning assets | 0.9641% | 3,382 |
| Net interest margin | 2.6888% | 3,835 |
| Noninterest income to average assets | 0.3200% | 2,981 |
| Noninterest expense to average assets | 2.7722% | 1,573 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.0284% | 4,303 |
| Return on assets (ROA) | 0.0284% | 4,331 |
| Pretax return on assets | -0.0781% | 4,395 |
| Return on Equity (ROE) | 0.3600% | 4,314 |
| Retained earnings to average equity (ytd only) | 0.3628% | 3,972 |
| Net charge-offs to loans | 0.0137% | 2,141 |
| Credit loss provision to net charge-offs | 222.2222% | 1,148 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 4,544 |
| Efficiency ratio | 97.9160% | 217 |
| Assets per employee ($millions) | 4.4833% | 3,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 3,860 |
| Loan loss allowance to noncurrent loans | 143.2500% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3432% | 1,591 |
| Noncurrent loans to loans | 0.5921% | 1,332 |
| Net loans and leases to total assets | 57.4600% | 3,084 |
| Net loans and leases to deposits | 72.1312% | 2,747 |
| Net loans and leases to core deposits | 74.2674% | 3,063 |
| Total domestic deposits to total assets | 79.6600% | 3,517 |
| Equity capital to assets | 8.0563% | 3,373 |
| Core capital (leverage) ratio | 8.7335% | 3,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1374% | 892 |
| Memoranda: | ||
| Average total assets | $112,726,800 | 3,719 |
| Average earning assets | $100,715,200 | 3,739 |
| Average equity | $8,820,400 | 3,839 |
| Average total loans | $65,460,800 | 3,621 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 4,310 |
| Cost of funding earning assets | 0.8573% | 3,380 |
| Net interest margin | 2.7403% | 3,823 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 2.8094% | 1,418 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | -0.0382% | 4,450 |
| Return on assets (ROA) | -0.0382% | 4,433 |
| Pretax return on assets | -0.0990% | 4,445 |
| Return on Equity (ROE) | -0.4900% | 4,412 |
| Retained earnings to average equity (ytd only) | -0.4917% | 4,210 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 98.3934% | 195 |
| Assets per employee ($millions) | 3.9922% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 3,826 |
| Loan loss allowance to noncurrent loans | 91.7852% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 1,038 |
| Noncurrent loans to loans | 0.9465% | 872 |
| Net loans and leases to total assets | 59.3100% | 2,909 |
| Net loans and leases to deposits | 71.5539% | 2,735 |
| Net loans and leases to core deposits | 73.6557% | 3,013 |
| Total domestic deposits to total assets | 82.8900% | 3,036 |
| Equity capital to assets | 7.0128% | 3,605 |
| Core capital (leverage) ratio | 8.7225% | 4,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6964% | 860 |
| Memoranda: | ||
| Average total assets | $111,766,750 | 3,737 |
| Average earning assets | $99,695,750 | 3,764 |
| Average equity | $8,677,750 | 3,864 |
| Average total loans | $64,937,500 | 3,636 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4953% | 4,351 |
| Cost of funding earning assets | 0.7352% | 3,389 |
| Net interest margin | 2.7601% | 3,890 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 2.8704% | 1,279 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | -0.0716% | 4,503 |
| Return on assets (ROA) | -0.0716% | 4,492 |
| Pretax return on assets | -0.1521% | 4,501 |
| Return on Equity (ROE) | -0.8900% | 4,469 |
| Retained earnings to average equity (ytd only) | -0.8931% | 4,204 |
| Net charge-offs to loans | 0.0031% | 2,220 |
| Credit loss provision to net charge-offs | 2,200.0000% | 238 |
| Earnings coverage of net charge-offs (x) | -60.0000% | 4,653 |
| Efficiency ratio | 100.0648% | 172 |
| Assets per employee ($millions) | 4.2597% | 4,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 3,798 |
| Loan loss allowance to noncurrent loans | 129.7778% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 1,311 |
| Noncurrent loans to loans | 0.6905% | 1,085 |
| Net loans and leases to total assets | 58.3200% | 2,932 |
| Net loans and leases to deposits | 67.8050% | 2,928 |
| Net loans and leases to core deposits | 69.2295% | 3,174 |
| Total domestic deposits to total assets | 86.0100% | 2,226 |
| Equity capital to assets | 8.0297% | 3,193 |
| Core capital (leverage) ratio | 9.0451% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1023% | 805 |
| Memoranda: | ||
| Average total assets | $111,762,000 | 3,751 |
| Average earning assets | $99,562,667 | 3,779 |
| Average equity | $8,957,333 | 3,853 |
| Average total loans | $64,290,000 | 3,648 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 4,382 |
| Cost of funding earning assets | 0.5646% | 3,489 |
| Net interest margin | 2.8189% | 3,924 |
| Noninterest income to average assets | 0.3200% | 2,923 |
| Noninterest expense to average assets | 2.7969% | 1,439 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.0249% | 4,468 |
| Return on assets (ROA) | 0.0249% | 4,452 |
| Pretax return on assets | -0.0641% | 4,493 |
| Return on Equity (ROE) | 0.3100% | 4,431 |
| Retained earnings to average equity (ytd only) | 0.3115% | 3,976 |
| Net charge-offs to loans | 0.0063% | 1,724 |
| Credit loss provision to net charge-offs | 2,700.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 1,703 |
| Efficiency ratio | 95.0882% | 234 |
| Assets per employee ($millions) | 4.5852% | 3,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 3,831 |
| Loan loss allowance to noncurrent loans | 91.7317% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 0.5592% | 925 |
| Noncurrent loans to loans | 0.9909% | 733 |
| Net loans and leases to total assets | 55.9200% | 3,044 |
| Net loans and leases to deposits | 64.6642% | 3,035 |
| Net loans and leases to core deposits | 66.1544% | 3,212 |
| Total domestic deposits to total assets | 86.4800% | 2,454 |
| Equity capital to assets | 8.0669% | 3,198 |
| Core capital (leverage) ratio | 8.7720% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2299% | 817 |
| Memoranda: | ||
| Average total assets | $112,267,500 | 3,798 |
| Average earning assets | $99,896,000 | 3,824 |
| Average equity | $8,989,500 | 3,898 |
| Average total loans | $63,848,500 | 3,699 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2127% | 3,801 |
| Cost of funding earning assets | 0.2801% | 3,043 |
| Net interest margin | 2.9326% | 3,606 |
| Noninterest income to average assets | 0.3600% | 2,944 |
| Noninterest expense to average assets | 3.0363% | 918 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | -0.0271% | 4,581 |
| Return on assets (ROA) | -0.0271% | 4,570 |
| Pretax return on assets | -0.1367% | 4,577 |
| Return on Equity (ROE) | -0.2900% | 4,554 |
| Retained earnings to average equity (ytd only) | -0.2879% | 4,386 |
| Net charge-offs to loans | 0.0051% | 2,246 |
| Credit loss provision to net charge-offs | 1,766.6667% | 283 |
| Earnings coverage of net charge-offs (x) | -31.6667% | 4,711 |
| Efficiency ratio | 99.1108% | 157 |
| Assets per employee ($millions) | 4.9957% | 3,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 3,804 |
| Loan loss allowance to noncurrent loans | 122.7074% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.4167% | 1,235 |
| Noncurrent loans to loans | 0.7269% | 1,034 |
| Net loans and leases to total assets | 56.8200% | 2,935 |
| Net loans and leases to deposits | 64.4871% | 2,999 |
| Net loans and leases to core deposits | 66.6339% | 3,087 |
| Total domestic deposits to total assets | 88.1100% | 2,034 |
| Equity capital to assets | 7.9450% | 3,096 |
| Core capital (leverage) ratio | 9.0853% | 3,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $106,841,000 | 3,868 |
| Average earning assets | $94,250,000 | 3,894 |
| Average equity | $10,073,200 | 3,865 |
| Average total loans | $59,154,600 | 3,746 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0852% | 3,709 |
| Cost of funding earning assets | 0.2453% | 2,758 |
| Net interest margin | 2.8399% | 3,653 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 3.0003% | 903 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | -0.1973% | 4,647 |
| Return on assets (ROA) | -0.1973% | 4,626 |
| Pretax return on assets | -0.2790% | 4,630 |
| Return on Equity (ROE) | -2.0100% | 4,620 |
| Retained earnings to average equity (ytd only) | -2.0111% | 4,491 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 103.5650% | 133 |
| Assets per employee ($millions) | 4.0823% | 4,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9030% | 3,844 |
| Loan loss allowance to noncurrent loans | 103.1308% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 1,069 |
| Noncurrent loans to loans | 0.8756% | 899 |
| Net loans and leases to total assets | 57.9000% | 2,713 |
| Net loans and leases to deposits | 65.3954% | 2,761 |
| Net loans and leases to core deposits | 67.2798% | 2,858 |
| Total domestic deposits to total assets | 88.5400% | 2,261 |
| Equity capital to assets | 7.4043% | 3,267 |
| Core capital (leverage) ratio | 8.7646% | 3,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $106,074,750 | 3,897 |
| Average earning assets | $93,475,750 | 3,928 |
| Average equity | $10,408,500 | 3,872 |
| Average total loans | $58,190,750 | 3,777 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9453% | 3,685 |
| Cost of funding earning assets | 0.2271% | 2,550 |
| Net interest margin | 2.7183% | 3,668 |
| Noninterest income to average assets | 0.2734% | 3,530 |
| Noninterest expense to average assets | 2.9665% | 883 |
| Loan and lease loss provision to assets | 0.0377% | 1,910 |
| Net operating income to assets | -0.2433% | 4,644 |
| Return on assets (ROA) | -0.2433% | 4,618 |
| Pretax return on assets | -0.3376% | 4,629 |
| Return on Equity (ROE) | -2.2916% | 4,624 |
| Retained earnings to average equity (ytd only) | -2.2916% | 4,403 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9307% | 131 |
| Assets per employee ($millions) | 4.1955% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8684% | 4,036 |
| Loan loss allowance to noncurrent loans | 100.3839% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 1,149 |
| Noncurrent loans to loans | 0.8651% | 984 |
| Net loans and leases to total assets | 56.9203% | 2,649 |
| Net loans and leases to deposits | 65.6636% | 2,575 |
| Net loans and leases to core deposits | 66.5426% | 2,776 |
| Total domestic deposits to total assets | 86.6847% | 3,044 |
| Equity capital to assets | 9.1441% | 2,289 |
| Core capital (leverage) ratio | 8.9574% | 3,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,052,667 | 3,936 |
| Average earning assets | $93,368,333 | 3,974 |
| Average equity | $11,258,333 | 3,854 |
| Average total loans | $56,916,333 | 3,845 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8735% | 3,599 |
| Cost of funding earning assets | 0.1995% | 2,811 |
| Net interest margin | 2.6740% | 3,461 |
| Noninterest income to average assets | 0.2513% | 3,640 |
| Noninterest expense to average assets | 2.9296% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.2251% | 4,647 |
| Return on assets (ROA) | -0.2251% | 4,631 |
| Pretax return on assets | -0.3151% | 4,637 |
| Return on Equity (ROE) | -1.9848% | 4,637 |
| Retained earnings to average equity (ytd only) | -1.9848% | 4,245 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.6040% | 150 |
| Assets per employee ($millions) | 4.5459% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 3,986 |
| Loan loss allowance to noncurrent loans | 120.7059% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 1,549 |
| Noncurrent loans to loans | 0.7630% | 1,250 |
| Net loans and leases to total assets | 50.5871% | 3,118 |
| Net loans and leases to deposits | 58.9414% | 2,993 |
| Net loans and leases to core deposits | 63.1194% | 2,876 |
| Total domestic deposits to total assets | 85.8260% | 3,315 |
| Equity capital to assets | 10.1658% | 1,780 |
| Core capital (leverage) ratio | 9.2221% | 3,115 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,635,500 | 3,949 |
| Average earning assets | $94,241,000 | 3,981 |
| Average equity | $12,092,000 | 3,851 |
| Average total loans | $55,262,000 | 3,881 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1106% | 3,666 |
| Cost of funding earning assets | 0.2452% | 2,990 |
| Net interest margin | 2.8655% | 3,520 |
| Noninterest income to average assets | 0.2604% | 3,815 |
| Noninterest expense to average assets | 3.0486% | 921 |
| Loan and lease loss provision to assets | -0.0296% | 4,271 |
| Net operating income to assets | -0.0884% | 4,702 |
| Return on assets (ROA) | -0.0720% | 4,706 |
| Pretax return on assets | -0.1904% | 4,727 |
| Return on Equity (ROE) | -0.5654% | 4,706 |
| Retained earnings to average equity (ytd only) | -0.5654% | 4,556 |
| Net charge-offs to loans | -0.0445% | 4,274 |
| Credit loss provision to net charge-offs | 130.4348% | 1,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1096% | 120 |
| Assets per employee ($millions) | 4.3404% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 3,977 |
| Loan loss allowance to noncurrent loans | 112.9956% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 1,180 |
| Noncurrent loans to loans | 0.8282% | 1,230 |
| Net loans and leases to total assets | 52.1331% | 3,050 |
| Net loans and leases to deposits | 60.1973% | 3,053 |
| Net loans and leases to core deposits | 64.6350% | 2,931 |
| Total domestic deposits to total assets | 86.6036% | 2,667 |
| Equity capital to assets | 12.5689% | 1,038 |
| Core capital (leverage) ratio | 9.5097% | 2,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,390,200 | 3,974 |
| Average earning assets | $90,142,200 | 4,022 |
| Average equity | $12,911,200 | 3,842 |
| Average total loans | $51,726,400 | 3,965 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0987% | 3,811 |
| Cost of funding earning assets | 0.2515% | 3,109 |
| Net interest margin | 2.8471% | 3,665 |
| Noninterest income to average assets | 0.2489% | 3,902 |
| Noninterest expense to average assets | 3.1050% | 815 |
| Loan and lease loss provision to assets | -0.0397% | 4,424 |
| Net operating income to assets | -0.2073% | 4,799 |
| Return on assets (ROA) | -0.1854% | 4,799 |
| Pretax return on assets | -0.2556% | 4,808 |
| Return on Equity (ROE) | -1.4508% | 4,797 |
| Retained earnings to average equity (ytd only) | -1.4508% | 4,683 |
| Net charge-offs to loans | -0.0602% | 4,429 |
| Credit loss provision to net charge-offs | 130.4348% | 1,415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0919% | 116 |
| Assets per employee ($millions) | 4.1523% | 4,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 4,000 |
| Loan loss allowance to noncurrent loans | 77.2590% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 0.7658% | 942 |
| Noncurrent loans to loans | 1.2330% | 899 |
| Net loans and leases to total assets | 51.3838% | 3,258 |
| Net loans and leases to deposits | 59.4073% | 3,280 |
| Net loans and leases to core deposits | 63.8237% | 3,159 |
| Total domestic deposits to total assets | 86.4942% | 2,557 |
| Equity capital to assets | 12.6070% | 1,134 |
| Core capital (leverage) ratio | 9.5058% | 3,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,695,250 | 4,032 |
| Average earning assets | $89,584,500 | 4,074 |
| Average equity | $12,865,750 | 3,893 |
| Average total loans | $50,953,000 | 4,030 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9653% | 4,105 |
| Cost of funding earning assets | 0.2597% | 3,190 |
| Net interest margin | 2.7056% | 3,970 |
| Noninterest income to average assets | 0.2368% | 3,988 |
| Noninterest expense to average assets | 3.1909% | 730 |
| Loan and lease loss provision to assets | -0.1003% | 4,627 |
| Net operating income to assets | -0.3392% | 4,848 |
| Return on assets (ROA) | -0.3392% | 4,852 |
| Pretax return on assets | -0.4495% | 4,861 |
| Return on Equity (ROE) | -2.6423% | 4,851 |
| Retained earnings to average equity (ytd only) | -2.6423% | 4,700 |
| Net charge-offs to loans | 0.1360% | 584 |
| Credit loss provision to net charge-offs | -147.0588% | 3,128 |
| Earnings coverage of net charge-offs (x) | -8.0588% | 2,230 |
| Efficiency ratio | 115.9574% | 87 |
| Assets per employee ($millions) | 3.7862% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8349% | 4,310 |
| Loan loss allowance to noncurrent loans | 71.3115% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 0.7425% | 1,107 |
| Noncurrent loans to loans | 1.1708% | 1,032 |
| Net loans and leases to total assets | 50.5380% | 3,502 |
| Net loans and leases to deposits | 58.7271% | 3,478 |
| Net loans and leases to core deposits | 63.1852% | 3,365 |
| Total domestic deposits to total assets | 86.0557% | 2,722 |
| Equity capital to assets | 13.0229% | 935 |
| Core capital (leverage) ratio | 9.4564% | 2,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,658,000 | 4,068 |
| Average earning assets | $88,556,333 | 4,108 |
| Average equity | $12,792,000 | 3,908 |
| Average total loans | $49,986,333 | 4,087 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9801% | 4,130 |
| Cost of funding earning assets | 0.2801% | 3,188 |
| Net interest margin | 2.7000% | 3,969 |
| Noninterest income to average assets | 0.2928% | 3,656 |
| Noninterest expense to average assets | 3.2529% | 645 |
| Loan and lease loss provision to assets | -0.2440% | 4,836 |
| Net operating income to assets | -0.2399% | 4,850 |
| Return on assets (ROA) | -0.2399% | 4,856 |
| Pretax return on assets | -0.3253% | 4,863 |
| Return on Equity (ROE) | -1.8833% | 4,853 |
| Retained earnings to average equity (ytd only) | -1.8833% | 4,530 |
| Net charge-offs to loans | 0.3842% | 215 |
| Credit loss provision to net charge-offs | -127.6596% | 2,867 |
| Earnings coverage of net charge-offs (x) | -2.9787% | 1,909 |
| Efficiency ratio | 116.3636% | 86 |
| Assets per employee ($millions) | 3.8248% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 4,308 |
| Loan loss allowance to noncurrent loans | 42.5051% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.0700% | 760 |
| Noncurrent loans to loans | 1.9869% | 549 |
| Net loans and leases to total assets | 47.0693% | 3,886 |
| Net loans and leases to deposits | 57.6081% | 3,667 |
| Net loans and leases to core deposits | 58.6267% | 3,794 |
| Total domestic deposits to total assets | 81.7060% | 3,955 |
| Equity capital to assets | 12.5478% | 1,065 |
| Core capital (leverage) ratio | 9.7440% | 2,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,373,000 | 4,092 |
| Average earning assets | $87,112,000 | 4,133 |
| Average equity | $12,531,500 | 3,950 |
| Average total loans | $48,930,000 | 4,126 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 4,011 |
| Cost of funding earning assets | 0.3734% | 3,747 |
| Net interest margin | 3.1360% | 3,534 |
| Noninterest income to average assets | 0.2629% | 3,904 |
| Noninterest expense to average assets | 3.7224% | 510 |
| Loan and lease loss provision to assets | 0.0493% | 3,778 |
| Net operating income to assets | -0.2321% | 4,826 |
| Return on assets (ROA) | -0.0296% | 4,784 |
| Pretax return on assets | -0.4831% | 4,875 |
| Return on Equity (ROE) | -0.2224% | 4,781 |
| Retained earnings to average equity (ytd only) | -0.2224% | 4,552 |
| Net charge-offs to loans | 0.0238% | 2,566 |
| Credit loss provision to net charge-offs | 409.0909% | 1,411 |
| Earnings coverage of net charge-offs (x) | -57.2727% | 3,431 |
| Efficiency ratio | 117.4133% | 86 |
| Assets per employee ($millions) | 3.2233% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3174% | 4,890 |
| Loan loss allowance to noncurrent loans | 15.6408% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.0602% | 881 |
| Noncurrent loans to loans | 2.0292% | 559 |
| Net loans and leases to total assets | 52.0802% | 3,652 |
| Net loans and leases to deposits | 60.6536% | 3,711 |
| Net loans and leases to core deposits | 61.7758% | 3,841 |
| Total domestic deposits to total assets | 85.8650% | 2,421 |
| Equity capital to assets | 12.9497% | 1,106 |
| Core capital (leverage) ratio | 8.4429% | 4,256 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,285,600 | 4,108 |
| Average earning assets | $80,611,600 | 4,155 |
| Average equity | $12,142,400 | 3,959 |
| Average total loans | $46,123,800 | 4,184 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5956% | 4,019 |
| Cost of funding earning assets | 0.3905% | 3,858 |
| Net interest margin | 3.2052% | 3,481 |
| Noninterest income to average assets | 0.2513% | 3,974 |
| Noninterest expense to average assets | 3.6882% | 542 |
| Loan and lease loss provision to assets | 0.0496% | 3,735 |
| Net operating income to assets | -0.3311% | 4,865 |
| Return on assets (ROA) | -0.1176% | 4,830 |
| Pretax return on assets | -0.3820% | 4,877 |
| Return on Equity (ROE) | -0.8778% | 4,829 |
| Retained earnings to average equity (ytd only) | -0.8778% | 4,600 |
| Net charge-offs to loans | 0.0088% | 2,794 |
| Credit loss provision to net charge-offs | 1,133.3333% | 768 |
| Earnings coverage of net charge-offs (x) | -136.6667% | 3,236 |
| Efficiency ratio | 114.8095% | 95 |
| Assets per employee ($millions) | 3.0856% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3114% | 4,926 |
| Loan loss allowance to noncurrent loans | 17.3913% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 1,199 |
| Noncurrent loans to loans | 1.7903% | 740 |
| Net loans and leases to total assets | 52.5732% | 3,925 |
| Net loans and leases to deposits | 61.4214% | 3,961 |
| Net loans and leases to core deposits | 62.5672% | 4,075 |
| Total domestic deposits to total assets | 85.5944% | 2,223 |
| Equity capital to assets | 13.1244% | 1,128 |
| Core capital (leverage) ratio | 8.2986% | 4,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,737,750 | 4,121 |
| Average earning assets | $80,243,750 | 4,164 |
| Average equity | $12,151,750 | 3,961 |
| Average total loans | $45,445,250 | 4,218 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,004 |
| Cost of funding earning assets | 0.4066% | 4,010 |
| Net interest margin | 3.3334% | 3,295 |
| Noninterest income to average assets | 0.2463% | 3,997 |
| Noninterest expense to average assets | 3.6948% | 583 |
| Loan and lease loss provision to assets | 0.0510% | 3,667 |
| Net operating income to assets | -0.1661% | 4,854 |
| Return on assets (ROA) | 0.1021% | 4,716 |
| Pretax return on assets | -0.2130% | 4,854 |
| Return on Equity (ROE) | 0.7570% | 4,714 |
| Retained earnings to average equity (ytd only) | 0.7570% | 4,149 |
| Net charge-offs to loans | 0.0181% | 2,362 |
| Credit loss provision to net charge-offs | 575.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | -56.5000% | 3,019 |
| Efficiency ratio | 111.1188% | 112 |
| Assets per employee ($millions) | 3.0695% | 4,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2935% | 4,963 |
| Loan loss allowance to noncurrent loans | 17.1393% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8807% | 1,399 |
| Noncurrent loans to loans | 1.7126% | 843 |
| Net loans and leases to total assets | 51.2738% | 4,074 |
| Net loans and leases to deposits | 60.0529% | 4,117 |
| Net loans and leases to core deposits | 61.1773% | 4,202 |
| Total domestic deposits to total assets | 85.3811% | 2,246 |
| Equity capital to assets | 13.3310% | 1,031 |
| Core capital (leverage) ratio | 8.4317% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,127,667 | 4,130 |
| Average earning assets | $79,677,333 | 4,174 |
| Average equity | $12,152,667 | 3,967 |
| Average total loans | $44,321,000 | 4,250 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1435% | 3,395 |
| Cost of funding earning assets | 0.4271% | 4,247 |
| Net interest margin | 3.7164% | 2,274 |
| Noninterest income to average assets | 0.2737% | 3,893 |
| Noninterest expense to average assets | 3.7914% | 630 |
| Loan and lease loss provision to assets | 0.0314% | 3,380 |
| Net operating income to assets | -0.2553% | 4,873 |
| Return on assets (ROA) | 0.1795% | 4,562 |
| Pretax return on assets | 0.1884% | 4,580 |
| Return on Equity (ROE) | 1.3233% | 4,583 |
| Retained earnings to average equity (ytd only) | 1.3233% | 3,663 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5253% | 209 |
| Assets per employee ($millions) | 2.9948% | 4,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2927% | 4,993 |
| Loan loss allowance to noncurrent loans | 14.8664% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9583% | 1,389 |
| Noncurrent loans to loans | 1.9687% | 734 |
| Net loans and leases to total assets | 48.5358% | 4,312 |
| Net loans and leases to deposits | 57.1455% | 4,313 |
| Net loans and leases to core deposits | 57.9975% | 4,433 |
| Total domestic deposits to total assets | 84.9337% | 2,435 |
| Equity capital to assets | 13.5982% | 1,181 |
| Core capital (leverage) ratio | 8.6719% | 4,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2581% | 1,537 |
| Memoranda: | ||
| Average total assets | $89,148,500 | 4,132 |
| Average earning assets | $78,678,000 | 4,194 |
| Average equity | $12,091,000 | 3,987 |
| Average total loans | $42,804,000 | 4,308 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 4,195 |
| Cost of funding earning assets | 0.3861% | 4,487 |
| Net interest margin | 3.6411% | 2,989 |
| Noninterest income to average assets | 0.3186% | 3,787 |
| Noninterest expense to average assets | 3.5146% | 947 |
| Loan and lease loss provision to assets | 0.0833% | 2,343 |
| Net operating income to assets | -0.0597% | 4,991 |
| Return on assets (ROA) | 0.0455% | 4,965 |
| Pretax return on assets | 0.0577% | 4,958 |
| Return on Equity (ROE) | 0.3491% | 4,968 |
| Retained earnings to average equity (ytd only) | 0.3491% | 4,592 |
| Net charge-offs to loans | 0.1866% | 1,083 |
| Credit loss provision to net charge-offs | 98.6842% | 2,521 |
| Earnings coverage of net charge-offs (x) | 0.0921% | 3,631 |
| Efficiency ratio | 95.4932% | 220 |
| Assets per employee ($millions) | 3.4021% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2866% | 5,047 |
| Loan loss allowance to noncurrent loans | 15.6863% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 0.8649% | 1,484 |
| Noncurrent loans to loans | 1.8269% | 734 |
| Net loans and leases to total assets | 47.2042% | 4,471 |
| Net loans and leases to deposits | 55.5335% | 4,473 |
| Net loans and leases to core deposits | 56.6525% | 4,557 |
| Total domestic deposits to total assets | 85.0012% | 2,492 |
| Equity capital to assets | 13.5268% | 1,266 |
| Core capital (leverage) ratio | 8.5960% | 4,786 |
| Tier 1 risk-based capital ratio | 20.4307% | 1,260 |
| Total risk-based capital ratio | 20.7712% | 1,373 |
| Memoranda: | ||
| Average total assets | $90,080,400 | 4,148 |
| Average earning assets | $79,262,200 | 4,198 |
| Average equity | $11,745,600 | 4,029 |
| Average total loans | $40,723,200 | 4,391 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 4,219 |
| Cost of funding earning assets | 0.3754% | 4,579 |
| Net interest margin | 3.6967% | 2,935 |
| Noninterest income to average assets | 0.3227% | 3,815 |
| Noninterest expense to average assets | 3.4965% | 957 |
| Loan and lease loss provision to assets | 0.1090% | 1,784 |
| Net operating income to assets | -0.0262% | 5,069 |
| Return on assets (ROA) | 0.1135% | 5,025 |
| Pretax return on assets | 0.1444% | 5,018 |
| Return on Equity (ROE) | 0.8781% | 5,026 |
| Retained earnings to average equity (ytd only) | 0.8781% | 4,597 |
| Net charge-offs to loans | 0.2506% | 704 |
| Credit loss provision to net charge-offs | 97.3684% | 2,314 |
| Earnings coverage of net charge-offs (x) | 0.6842% | 3,350 |
| Efficiency ratio | 93.6495% | 241 |
| Assets per employee ($millions) | 3.2092% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2939% | 5,118 |
| Loan loss allowance to noncurrent loans | 14.5833% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 0.9081% | 1,496 |
| Noncurrent loans to loans | 2.0152% | 670 |
| Net loans and leases to total assets | 44.9314% | 4,660 |
| Net loans and leases to deposits | 53.0490% | 4,669 |
| Net loans and leases to core deposits | 54.1163% | 4,741 |
| Total domestic deposits to total assets | 84.6979% | 2,538 |
| Equity capital to assets | 13.4102% | 1,397 |
| Core capital (leverage) ratio | 8.5594% | 4,917 |
| Tier 1 risk-based capital ratio | 20.9274% | 1,200 |
| Total risk-based capital ratio | 21.2731% | 1,327 |
| Memoranda: | ||
| Average total assets | $90,487,000 | 4,193 |
| Average earning assets | $79,564,000 | 4,247 |
| Average equity | $11,690,750 | 4,075 |
| Average total loans | $40,435,500 | 4,454 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0696% | 4,231 |
| Cost of funding earning assets | 0.3581% | 4,661 |
| Net interest margin | 3.7115% | 2,899 |
| Noninterest income to average assets | 0.3484% | 3,607 |
| Noninterest expense to average assets | 3.4753% | 987 |
| Loan and lease loss provision to assets | 0.1279% | 1,455 |
| Net operating income to assets | 0.0109% | 5,097 |
| Return on assets (ROA) | 0.1433% | 5,044 |
| Pretax return on assets | 0.1808% | 5,033 |
| Return on Equity (ROE) | 1.1235% | 5,034 |
| Retained earnings to average equity (ytd only) | 1.1235% | 4,402 |
| Net charge-offs to loans | 0.3019% | 565 |
| Credit loss provision to net charge-offs | 95.0820% | 2,076 |
| Earnings coverage of net charge-offs (x) | 1.0492% | 3,058 |
| Efficiency ratio | 91.9512% | 282 |
| Assets per employee ($millions) | 3.1082% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2872% | 5,182 |
| Loan loss allowance to noncurrent loans | 12.8962% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0151% | 1,374 |
| Noncurrent loans to loans | 2.2268% | 600 |
| Net loans and leases to total assets | 45.4547% | 4,659 |
| Net loans and leases to deposits | 53.5148% | 4,698 |
| Net loans and leases to core deposits | 54.5798% | 4,762 |
| Total domestic deposits to total assets | 84.9386% | 2,503 |
| Equity capital to assets | 13.2608% | 1,462 |
| Core capital (leverage) ratio | 8.5538% | 4,941 |
| Tier 1 risk-based capital ratio | 20.2938% | 1,293 |
| Total risk-based capital ratio | 20.6284% | 1,432 |
| Memoranda: | ||
| Average total assets | $90,697,000 | 4,208 |
| Average earning assets | $79,860,330 | 4,265 |
| Average equity | $11,571,000 | 4,102 |
| Average total loans | $40,416,330 | 4,487 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 4,099 |
| Cost of funding earning assets | 0.3491% | 4,683 |
| Net interest margin | 3.7600% | 2,672 |
| Noninterest income to average assets | 0.4309% | 2,973 |
| Noninterest expense to average assets | 3.3547% | 1,180 |
| Loan and lease loss provision to assets | 0.1847% | 891 |
| Net operating income to assets | 0.1633% | 5,039 |
| Return on assets (ROA) | 0.2154% | 5,008 |
| Pretax return on assets | 0.2726% | 4,984 |
| Return on Equity (ROE) | 1.7223% | 4,997 |
| Retained earnings to average equity (ytd only) | 1.7223% | 4,131 |
| Net charge-offs to loans | 0.5888% | 253 |
| Credit loss provision to net charge-offs | 71.1864% | 1,840 |
| Earnings coverage of net charge-offs (x) | 1.5085% | 2,586 |
| Efficiency ratio | 85.5634% | 608 |
| Assets per employee ($millions) | 3.2506% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2537% | 5,265 |
| Loan loss allowance to noncurrent loans | 7.2575% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 1.5744% | 739 |
| Noncurrent loans to loans | 3.4958% | 261 |
| Net loans and leases to total assets | 44.9230% | 4,705 |
| Net loans and leases to deposits | 53.5379% | 4,690 |
| Net loans and leases to core deposits | 54.6003% | 4,761 |
| Total domestic deposits to total assets | 83.9087% | 3,076 |
| Equity capital to assets | 12.7623% | 1,592 |
| Core capital (leverage) ratio | 8.3915% | 5,066 |
| Tier 1 risk-based capital ratio | 19.3693% | 1,472 |
| Total risk-based capital ratio | 19.6528% | 1,630 |
| Memoranda: | ||
| Average total assets | $90,976,500 | 4,247 |
| Average earning assets | $80,212,500 | 4,301 |
| Average equity | $11,380,000 | 4,145 |
| Average total loans | $40,079,500 | 4,540 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 1,749 |
| Cost of funding earning assets | 0.3877% | 4,063 |
| Net interest margin | 4.3361% | 1,079 |
| Noninterest income to average assets | 0.1432% | 4,996 |
| Noninterest expense to average assets | 4.1729% | 415 |
| Loan and lease loss provision to assets | 0.0546% | 3,077 |
| Net operating income to assets | -0.1821% | 5,269 |
| Return on assets (ROA) | -0.1821% | 5,265 |
| Pretax return on assets | -0.2294% | 5,269 |
| Return on Equity (ROE) | -1.6064% | 5,267 |
| Retained earnings to average equity (ytd only) | -1.6064% | 5,108 |
| Net charge-offs to loans | 0.0326% | 2,751 |
| Credit loss provision to net charge-offs | 450.0000% | 759 |
| Earnings coverage of net charge-offs (x) | -14.4000% | 3,760 |
| Efficiency ratio | 100.0911% | 140 |
| Assets per employee ($millions) | 3.2407% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3089% | 5,277 |
| Loan loss allowance to noncurrent loans | 11.3829% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.1715% | 1,119 |
| Noncurrent loans to loans | 2.7140% | 413 |
| Net loans and leases to total assets | 43.0306% | 4,846 |
| Net loans and leases to deposits | 50.7328% | 4,864 |
| Net loans and leases to core deposits | 51.6994% | 4,902 |
| Total domestic deposits to total assets | 84.8182% | 2,722 |
| Equity capital to assets | 12.2812% | 1,708 |
| Core capital (leverage) ratio | 8.4684% | 5,038 |
| Tier 1 risk-based capital ratio | 19.7993% | 1,340 |
| Total risk-based capital ratio | 20.1310% | 1,502 |
| Memoranda: | ||
| Average total assets | $82,389,600 | 4,391 |
| Average earning assets | $73,245,800 | 4,433 |
| Average equity | $9,337,400 | 4,416 |
| Average total loans | $30,643,400 | 4,805 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9230% | 1,111 |
| Cost of funding earning assets | 0.4011% | 3,847 |
| Net interest margin | 4.5219% | 711 |
| Noninterest income to average assets | 0.1146% | 5,156 |
| Noninterest expense to average assets | 4.3833% | 326 |
| Loan and lease loss provision to assets | 0.0564% | 2,845 |
| Net operating income to assets | -0.2374% | 5,350 |
| Return on assets (ROA) | -0.2374% | 5,349 |
| Pretax return on assets | -0.3005% | 5,356 |
| Return on Equity (ROE) | -2.1457% | 5,357 |
| Retained earnings to average equity (ytd only) | -2.1457% | 5,209 |
| Net charge-offs to loans | 0.0140% | 2,924 |
| Credit loss provision to net charge-offs | 1,133.3333% | 370 |
| Earnings coverage of net charge-offs (x) | -49.0000% | 3,480 |
| Efficiency ratio | 101.6847% | 128 |
| Assets per employee ($millions) | 3.2689% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3097% | 5,351 |
| Loan loss allowance to noncurrent loans | 11.5194% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.2717% | 1,082 |
| Noncurrent loans to loans | 2.6888% | 456 |
| Net loans and leases to total assets | 40.7904% | 5,004 |
| Net loans and leases to deposits | 47.7515% | 5,019 |
| Net loans and leases to core deposits | 48.6526% | 5,055 |
| Total domestic deposits to total assets | 85.4221% | 2,444 |
| Equity capital to assets | 11.6313% | 2,156 |
| Core capital (leverage) ratio | 8.3578% | 5,171 |
| Tier 1 risk-based capital ratio | 19.7822% | 1,381 |
| Total risk-based capital ratio | 20.1020% | 1,544 |
| Memoranda: | ||
| Average total assets | $80,302,000 | 4,469 |
| Average earning assets | $71,472,250 | 4,510 |
| Average equity | $8,885,750 | 4,519 |
| Average total loans | $28,512,500 | 4,910 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1572% | 599 |
| Cost of funding earning assets | 0.4149% | 3,603 |
| Net interest margin | 4.7423% | 399 |
| Noninterest income to average assets | 0.0496% | 5,400 |
| Noninterest expense to average assets | 4.6578% | 263 |
| Loan and lease loss provision to assets | 0.0601% | 2,701 |
| Net operating income to assets | -0.3370% | 5,417 |
| Return on assets (ROA) | -0.3370% | 5,412 |
| Pretax return on assets | -0.4284% | 5,424 |
| Return on Equity (ROE) | -3.1088% | 5,413 |
| Retained earnings to average equity (ytd only) | -3.1088% | 5,216 |
| Net charge-offs to loans | 0.0392% | 2,069 |
| Credit loss provision to net charge-offs | 460.0000% | 746 |
| Earnings coverage of net charge-offs (x) | -28.2000% | 3,196 |
| Efficiency ratio | 104.1413% | 127 |
| Assets per employee ($millions) | 3.2427% | 4,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2969% | 5,418 |
| Loan loss allowance to noncurrent loans | 14.8359% | 4,913 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 1,496 |
| Noncurrent loans to loans | 2.0010% | 748 |
| Net loans and leases to total assets | 38.4687% | 5,113 |
| Net loans and leases to deposits | 44.8911% | 5,123 |
| Net loans and leases to core deposits | 45.5908% | 5,164 |
| Total domestic deposits to total assets | 85.6932% | 2,412 |
| Equity capital to assets | 11.1943% | 2,459 |
| Core capital (leverage) ratio | 7.3755% | 5,455 |
| Tier 1 risk-based capital ratio | 17.6828% | 1,893 |
| Total risk-based capital ratio | 17.9739% | 2,133 |
| Memoranda: | ||
| Average total assets | $76,559,670 | 4,584 |
| Average earning assets | $68,448,330 | 4,615 |
| Average equity | $8,299,000 | 4,644 |
| Average total loans | $25,533,000 | 5,037 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3016% | 404 |
| Cost of funding earning assets | 0.3586% | 3,922 |
| Net interest margin | 4.9430% | 251 |
| Noninterest income to average assets | -0.1613% | 5,595 |
| Noninterest expense to average assets | 4.9423% | 226 |
| Loan and lease loss provision to assets | 0.0634% | 2,503 |
| Net operating income to assets | -0.5703% | 5,508 |
| Return on assets (ROA) | -0.5703% | 5,506 |
| Pretax return on assets | -0.7200% | 5,518 |
| Return on Equity (ROE) | -5.3757% | 5,503 |
| Retained earnings to average equity (ytd only) | -5.3757% | 5,218 |
| Net charge-offs to loans | 0.0770% | 1,352 |
| Credit loss provision to net charge-offs | 275.0000% | 867 |
| Earnings coverage of net charge-offs (x) | -28.5000% | 2,707 |
| Efficiency ratio | 113.8441% | 83 |
| Assets per employee ($millions) | 3.4069% | 4,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 4,997 |
| Loan loss allowance to noncurrent loans | 37.3874% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 1,712 |
| Noncurrent loans to loans | 1.9184% | 849 |
| Net loans and leases to total assets | 37.4705% | 5,159 |
| Net loans and leases to deposits | 43.5752% | 5,169 |
| Net loans and leases to core deposits | 44.2402% | 5,204 |
| Total domestic deposits to total assets | 85.9904% | 2,540 |
| Equity capital to assets | 11.3288% | 2,278 |
| Core capital (leverage) ratio | 9.0383% | 4,639 |
| Tier 1 risk-based capital ratio | 23.2673% | 917 |
| Total risk-based capital ratio | 23.9878% | 947 |
| Memoranda: | ||
| Average total assets | $69,441,500 | 4,746 |
| Average earning assets | $62,472,000 | 4,779 |
| Average equity | $7,366,500 | 4,839 |
| Average total loans | $20,783,500 | 5,235 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4580% | 5,563 |
| Cost of funding earning assets | 0.1299% | 5,367 |
| Net interest margin | 2.3281% | 5,497 |
| Noninterest income to average assets | 0.1513% | 5,198 |
| Noninterest expense to average assets | 3.6686% | 828 |
| Loan and lease loss provision to assets | 0.0447% | 3,346 |
| Net operating income to assets | -1.7001% | 5,631 |
| Return on assets (ROA) | -1.7001% | 5,631 |
| Pretax return on assets | -1.4615% | 5,629 |
| Return on Equity (ROE) | -16.4502% | 5,630 |
| Retained earnings to average equity (ytd only) | -16.4502% | 5,600 |
| Net charge-offs to loans | 0.5604% | 413 |
| Credit loss provision to net charge-offs | 50.0000% | 3,332 |
| Earnings coverage of net charge-offs (x) | -15.8333% | 4,099 |
| Efficiency ratio | 162.9139% | 20 |
| Assets per employee ($millions) | 3.6074% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2774% | 318 |
| Loan loss allowance to noncurrent loans | 273.6842% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.1215% | 4,521 |
| Noncurrent loans to loans | 0.8321% | 2,141 |
| Net loans and leases to total assets | 14.2741% | 5,607 |
| Net loans and leases to deposits | 15.8479% | 5,615 |
| Net loans and leases to core deposits | 15.8479% | 5,610 |
| Total domestic deposits to total assets | 90.0695% | 549 |
| Equity capital to assets | 9.1948% | 4,534 |
| Core capital (leverage) ratio | 8.7148% | 4,936 |
| Tier 1 risk-based capital ratio | 30.8279% | 429 |
| Total risk-based capital ratio | 31.9946% | 429 |
| Memoranda: | ||
| Average total assets | $46,938,400 | 5,213 |
| Average earning assets | $42,351,600 | 5,223 |
| Average equity | $4,851,000 | 5,298 |
| Average total loans | $7,495,200 | 5,585 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4985% | 5,612 |
| Cost of funding earning assets | 0.1353% | 5,397 |
| Net interest margin | 2.3632% | 5,546 |
| Noninterest income to average assets | 0.1477% | 5,270 |
| Noninterest expense to average assets | 3.2488% | 1,459 |
| Loan and lease loss provision to assets | 0.0454% | 3,190 |
| Net operating income to assets | -0.6361% | 5,642 |
| Return on assets (ROA) | -0.6361% | 5,642 |
| Pretax return on assets | -1.0138% | 5,660 |
| Return on Equity (ROE) | -5.9903% | 5,643 |
| Retained earnings to average equity (ytd only) | -5.9903% | 5,568 |
| Net charge-offs to loans | 0.7488% | 248 |
| Credit loss provision to net charge-offs | 37.2093% | 3,018 |
| Earnings coverage of net charge-offs (x) | -7.9306% | 3,764 |
| Efficiency ratio | 142.4658% | 30 |
| Assets per employee ($millions) | 3.6152% | 4,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0779% | 491 |
| Loan loss allowance to noncurrent loans | 227.2727% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 4,554 |
| Noncurrent loans to loans | 0.9143% | 2,100 |
| Net loans and leases to total assets | 15.0411% | 5,670 |
| Net loans and leases to deposits | 16.8965% | 5,675 |
| Net loans and leases to core deposits | 16.8965% | 5,673 |
| Total domestic deposits to total assets | 89.0187% | 877 |
| Equity capital to assets | 10.3962% | 3,483 |
| Core capital (leverage) ratio | 9.8450% | 3,759 |
| Tier 1 risk-based capital ratio | 33.6201% | 362 |
| Total risk-based capital ratio | 34.7138% | 359 |
| Memoranda: | ||
| Average total assets | $46,949,000 | 5,271 |
| Average earning assets | $42,370,500 | 5,282 |
| Average equity | $4,985,750 | 5,331 |
| Average total loans | $7,656,500 | 5,644 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5338% | 5,649 |
| Cost of funding earning assets | 0.1418% | 5,386 |
| Net interest margin | 2.3919% | 5,574 |
| Noninterest income to average assets | 0.1406% | 5,352 |
| Noninterest expense to average assets | 3.2983% | 1,373 |
| Loan and lease loss provision to assets | 0.0639% | 2,689 |
| Net operating income to assets | -0.8054% | 5,705 |
| Return on assets (ROA) | -0.8054% | 5,703 |
| Pretax return on assets | -1.0654% | 5,716 |
| Return on Equity (ROE) | -7.5314% | 5,703 |
| Retained earnings to average equity (ytd only) | -7.5314% | 5,601 |
| Net charge-offs to loans | 1.1022% | 176 |
| Credit loss provision to net charge-offs | 34.8837% | 2,686 |
| Earnings coverage of net charge-offs (x) | -5.4651% | 3,466 |
| Efficiency ratio | 143.5993% | 31 |
| Assets per employee ($millions) | 3.6072% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 645 |
| Loan loss allowance to noncurrent loans | 639.1304% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0490% | 5,031 |
| Noncurrent loans to loans | 0.3066% | 3,941 |
| Net loans and leases to total assets | 15.6825% | 5,713 |
| Net loans and leases to deposits | 17.6495% | 5,716 |
| Net loans and leases to core deposits | 17.6495% | 5,721 |
| Total domestic deposits to total assets | 88.8555% | 1,029 |
| Equity capital to assets | 10.4941% | 3,352 |
| Core capital (leverage) ratio | 9.9117% | 3,643 |
| Tier 1 risk-based capital ratio | 33.8358% | 337 |
| Total risk-based capital ratio | 34.9064% | 336 |
| Memoranda: | ||
| Average total assets | $46,932,670 | 5,312 |
| Average earning assets | $42,308,670 | 5,321 |
| Average equity | $5,019,000 | 5,366 |
| Average total loans | $7,802,330 | 5,692 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4843% | 5,726 |
| Cost of funding earning assets | 0.1417% | 5,427 |
| Net interest margin | 2.3426% | 5,641 |
| Noninterest income to average assets | 0.1363% | 5,429 |
| Noninterest expense to average assets | 3.1351% | 1,778 |
| Loan and lease loss provision to assets | 0.0682% | 2,446 |
| Net operating income to assets | -0.7156% | 5,765 |
| Return on assets (ROA) | -0.7156% | 5,764 |
| Pretax return on assets | -0.9542% | 5,770 |
| Return on Equity (ROE) | -6.6298% | 5,752 |
| Retained earnings to average equity (ytd only) | -6.6298% | 5,475 |
| Net charge-offs to loans | 2.1627% | 77 |
| Credit loss provision to net charge-offs | 18.6047% | 2,178 |
| Earnings coverage of net charge-offs (x) | -2.4186% | 2,891 |
| Efficiency ratio | 139.3939% | 41 |
| Assets per employee ($millions) | 3.9703% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8123% | 934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 16.0335% | 5,777 |
| Net loans and leases to deposits | 18.0318% | 5,780 |
| Net loans and leases to core deposits | 18.0318% | 5,781 |
| Total domestic deposits to total assets | 88.9178% | 1,184 |
| Equity capital to assets | 10.5491% | 3,132 |
| Core capital (leverage) ratio | 10.2963% | 3,114 |
| Tier 1 risk-based capital ratio | 34.0965% | 351 |
| Total risk-based capital ratio | 35.1084% | 350 |
| Memoranda: | ||
| Average total assets | $46,952,500 | 5,371 |
| Average earning assets | $42,346,500 | 5,381 |
| Average equity | $5,068,000 | 5,407 |
| Average total loans | $7,953,000 | 5,756 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5944% | 5,730 |
| Cost of funding earning assets | 0.1639% | 5,326 |
| Net interest margin | 2.4305% | 5,624 |
| Noninterest income to average assets | 0.2116% | 5,151 |
| Noninterest expense to average assets | 3.3032% | 1,566 |
| Loan and lease loss provision to assets | 0.0868% | 2,629 |
| Net operating income to assets | -0.5861% | 5,800 |
| Return on assets (ROA) | -0.5861% | 5,804 |
| Pretax return on assets | -0.9818% | 5,832 |
| Return on Equity (ROE) | -5.2678% | 5,793 |
| Retained earnings to average equity (ytd only) | -5.2678% | 5,684 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 137.1705% | 45 |
| Assets per employee ($millions) | 3.5585% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1659% | 487 |
| Loan loss allowance to noncurrent loans | 247.8873% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 4,708 |
| Noncurrent loans to loans | 0.8737% | 2,353 |
| Net loans and leases to total assets | 17.1851% | 5,828 |
| Net loans and leases to deposits | 19.4562% | 5,833 |
| Net loans and leases to core deposits | 19.4562% | 5,835 |
| Total domestic deposits to total assets | 88.3271% | 1,474 |
| Equity capital to assets | 11.0460% | 2,596 |
| Core capital (leverage) ratio | 10.4269% | 2,951 |
| Tier 1 risk-based capital ratio | 35.5467% | 303 |
| Total risk-based capital ratio | 36.7968% | 299 |
| Memoranda: | ||
| Average total assets | $47,257,800 | 5,400 |
| Average earning assets | $42,708,000 | 5,408 |
| Average equity | $5,258,400 | 5,420 |
| Average total loans | $8,064,400 | 5,809 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6573% | 5,777 |
| Cost of funding earning assets | 0.1770% | 5,288 |
| Net interest margin | 2.4804% | 5,667 |
| Noninterest income to average assets | 0.2133% | 5,186 |
| Noninterest expense to average assets | 3.2415% | 1,704 |
| Loan and lease loss provision to assets | 0.0842% | 2,532 |
| Net operating income to assets | -0.5192% | 5,859 |
| Return on assets (ROA) | -0.5192% | 5,862 |
| Pretax return on assets | -0.8700% | 5,893 |
| Return on Equity (ROE) | -4.6579% | 5,859 |
| Retained earnings to average equity (ytd only) | -4.6579% | 5,726 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.0000% | 56 |
| Assets per employee ($millions) | 3.5827% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9959% | 736 |
| Loan loss allowance to noncurrent loans | 351.0638% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 5,027 |
| Noncurrent loans to loans | 0.5685% | 3,296 |
| Net loans and leases to total assets | 17.3956% | 5,892 |
| Net loans and leases to deposits | 19.7100% | 5,903 |
| Net loans and leases to core deposits | 19.7100% | 5,903 |
| Total domestic deposits to total assets | 88.2576% | 1,261 |
| Equity capital to assets | 11.1691% | 2,827 |
| Core capital (leverage) ratio | 10.4573% | 3,039 |
| Tier 1 risk-based capital ratio | 35.5402% | 321 |
| Total risk-based capital ratio | 36.7301% | 320 |
| Memoranda: | ||
| Average total assets | $47,507,000 | 5,448 |
| Average earning assets | $42,949,750 | 5,454 |
| Average equity | $5,295,500 | 5,470 |
| Average total loans | $8,049,000 | 5,874 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6084% | 5,872 |
| Cost of funding earning assets | 0.1800% | 5,319 |
| Net interest margin | 2.4283% | 5,787 |
| Noninterest income to average assets | 0.1882% | 5,367 |
| Noninterest expense to average assets | 3.1578% | 1,911 |
| Loan and lease loss provision to assets | 0.0376% | 3,404 |
| Net operating income to assets | -0.4935% | 5,918 |
| Return on assets (ROA) | -0.4935% | 5,924 |
| Pretax return on assets | -0.8072% | 5,959 |
| Return on Equity (ROE) | -4.4305% | 5,922 |
| Retained earnings to average equity (ytd only) | -4.4305% | 5,721 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.2242% | 61 |
| Assets per employee ($millions) | 3.1345% | 5,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 1,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 17.5830% | 5,963 |
| Net loans and leases to deposits | 19.9339% | 5,974 |
| Net loans and leases to core deposits | 19.9339% | 5,975 |
| Total domestic deposits to total assets | 88.2064% | 1,315 |
| Equity capital to assets | 11.2066% | 2,840 |
| Core capital (leverage) ratio | 10.4905% | 2,986 |
| Tier 1 risk-based capital ratio | 34.9126% | 336 |
| Total risk-based capital ratio | 35.9259% | 336 |
| Memoranda: | ||
| Average total assets | $47,817,670 | 5,505 |
| Average earning assets | $43,322,330 | 5,510 |
| Average equity | $5,326,670 | 5,515 |
| Average total loans | $7,976,330 | 5,950 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4974% | 5,962 |
| Cost of funding earning assets | 0.1830% | 5,350 |
| Net interest margin | 2.3145% | 5,924 |
| Noninterest income to average assets | 0.2074% | 5,251 |
| Noninterest expense to average assets | 3.1358% | 2,004 |
| Loan and lease loss provision to assets | 0.0083% | 3,577 |
| Net operating income to assets | -0.5226% | 5,969 |
| Return on assets (ROA) | -0.5226% | 5,977 |
| Pretax return on assets | -0.8379% | 6,012 |
| Return on Equity (ROE) | -4.7054% | 5,966 |
| Retained earnings to average equity (ytd only) | -4.7054% | 5,595 |
| Net charge-offs to loans | 0.0516% | 2,012 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | -100.0000% | 3,088 |
| Efficiency ratio | 135.9712% | 61 |
| Assets per employee ($millions) | 3.4309% | 4,916 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6843% | 1,400 |
| Loan loss allowance to noncurrent loans | 293.4783% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 5,195 |
| Noncurrent loans to loans | 0.5739% | 3,473 |
| Net loans and leases to total assets | 16.4054% | 6,028 |
| Net loans and leases to deposits | 18.5534% | 6,038 |
| Net loans and leases to core deposits | 18.5534% | 6,039 |
| Total domestic deposits to total assets | 88.4225% | 1,392 |
| Equity capital to assets | 11.0840% | 2,844 |
| Core capital (leverage) ratio | 10.1229% | 3,401 |
| Tier 1 risk-based capital ratio | 41.8133% | 210 |
| Total risk-based capital ratio | 42.9890% | 211 |
| Memoranda: | ||
| Average total assets | $48,218,000 | 5,544 |
| Average earning assets | $43,725,000 | 5,555 |
| Average equity | $5,355,500 | 5,541 |
| Average total loans | $7,758,500 | 6,015 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5478% | 5,981 |
| Cost of funding earning assets | 0.2133% | 5,160 |
| Net interest margin | 2.3345% | 5,929 |
| Noninterest income to average assets | 0.0389% | 6,031 |
| Noninterest expense to average assets | 3.8379% | 825 |
| Loan and lease loss provision to assets | 0.0020% | 4,346 |
| Net operating income to assets | -1.2240% | 6,114 |
| Return on assets (ROA) | -1.2240% | 6,115 |
| Pretax return on assets | -1.6948% | 6,126 |
| Return on Equity (ROE) | -10.4054% | 6,104 |
| Retained earnings to average equity (ytd only) | -10.4054% | 6,040 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.9122% | 19 |
| Assets per employee ($millions) | 3.4574% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 1,134 |
| Loan loss allowance to noncurrent loans | 13,500.0000% | 78 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,726 |
| Noncurrent loans to loans | 0.0133% | 5,478 |
| Net loans and leases to total assets | 15.2201% | 6,104 |
| Net loans and leases to deposits | 17.2275% | 6,112 |
| Net loans and leases to core deposits | 17.2275% | 6,108 |
| Total domestic deposits to total assets | 88.3478% | 1,448 |
| Equity capital to assets | 11.1295% | 2,699 |
| Core capital (leverage) ratio | 9.9817% | 3,536 |
| Tier 1 risk-based capital ratio | 44.3339% | 180 |
| Total risk-based capital ratio | 45.5657% | 174 |
| Memoranda: | ||
| Average total assets | $48,854,800 | 5,572 |
| Average earning assets | $44,077,400 | 5,576 |
| Average equity | $5,747,000 | 5,494 |
| Average total loans | $8,313,200 | 6,053 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5581% | 6,062 |
| Cost of funding earning assets | 0.2207% | 5,176 |
| Net interest margin | 2.3374% | 6,012 |
| Noninterest income to average assets | 0.1525% | 5,724 |
| Noninterest expense to average assets | 4.2367% | 521 |
| Loan and lease loss provision to assets | -0.0082% | 5,813 |
| Net operating income to assets | -1.2743% | 6,206 |
| Return on assets (ROA) | -1.2743% | 6,206 |
| Pretax return on assets | -1.9713% | 6,223 |
| Return on Equity (ROE) | -10.6901% | 6,188 |
| Retained earnings to average equity (ytd only) | -10.6901% | 6,136 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 187.6960% | 19 |
| Assets per employee ($millions) | 3.8085% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,824 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 16.3866% | 6,181 |
| Net loans and leases to deposits | 18.5334% | 6,198 |
| Net loans and leases to core deposits | 18.5334% | 6,194 |
| Total domestic deposits to total assets | 88.4165% | 1,327 |
| Equity capital to assets | 11.1432% | 2,858 |
| Core capital (leverage) ratio | 10.0687% | 3,539 |
| Tier 1 risk-based capital ratio | 42.8154% | 213 |
| Total risk-based capital ratio | 43.9406% | 210 |
| Memoranda: | ||
| Average total assets | $48,967,750 | 5,637 |
| Average earning assets | $44,094,000 | 5,651 |
| Average equity | $5,837,000 | 5,541 |
| Average total loans | $8,516,000 | 6,128 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5793% | 6,125 |
| Cost of funding earning assets | 0.2237% | 5,212 |
| Net interest margin | 2.3556% | 6,065 |
| Noninterest income to average assets | 0.1394% | 5,865 |
| Noninterest expense to average assets | 2.8081% | 3,201 |
| Loan and lease loss provision to assets | -0.0205% | 5,975 |
| Net operating income to assets | -0.3362% | 6,141 |
| Return on assets (ROA) | -0.3362% | 6,160 |
| Pretax return on assets | -0.5329% | 6,196 |
| Return on Equity (ROE) | -2.7592% | 6,150 |
| Retained earnings to average equity (ytd only) | -2.7592% | 5,904 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.5455% | 92 |
| Assets per employee ($millions) | 4.0824% | 3,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5171% | 2,221 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 17.2263% | 6,243 |
| Net loans and leases to deposits | 19.7049% | 6,253 |
| Net loans and leases to core deposits | 19.7049% | 6,257 |
| Total domestic deposits to total assets | 87.4217% | 1,947 |
| Equity capital to assets | 12.0496% | 1,982 |
| Core capital (leverage) ratio | 10.1986% | 3,339 |
| Tier 1 risk-based capital ratio | 39.9082% | 263 |
| Total risk-based capital ratio | 40.9552% | 264 |
| Memoranda: | ||
| Average total assets | $48,787,000 | 5,704 |
| Average earning assets | $43,811,000 | 5,719 |
| Average equity | $5,943,670 | 5,564 |
| Average total loans | $8,606,670 | 6,195 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6123% | 6,176 |
| Cost of funding earning assets | 0.2200% | 5,318 |
| Net interest margin | 2.3923% | 6,103 |
| Noninterest income to average assets | 0.1561% | 5,809 |
| Noninterest expense to average assets | 2.8674% | 3,012 |
| Loan and lease loss provision to assets | -0.0411% | 6,142 |
| Net operating income to assets | -0.3451% | 6,203 |
| Return on assets (ROA) | -0.3451% | 6,218 |
| Pretax return on assets | -0.5258% | 6,247 |
| Return on Equity (ROE) | -2.8169% | 6,211 |
| Retained earnings to average equity (ytd only) | -2.8169% | 5,776 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.6429% | 102 |
| Assets per employee ($millions) | 3.7888% | 4,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5207% | 2,365 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 16.9611% | 6,303 |
| Net loans and leases to deposits | 19.3936% | 6,311 |
| Net loans and leases to core deposits | 19.3936% | 6,313 |
| Total domestic deposits to total assets | 87.4569% | 2,136 |
| Equity capital to assets | 12.0660% | 1,986 |
| Core capital (leverage) ratio | 10.6248% | 2,825 |
| Tier 1 risk-based capital ratio | 40.3344% | 256 |
| Total risk-based capital ratio | 41.3765% | 257 |
| Memoranda: | ||
| Average total assets | $48,686,000 | 5,755 |
| Average earning assets | $43,640,000 | 5,763 |
| Average equity | $5,964,000 | 5,607 |
| Average total loans | $8,625,500 | 6,264 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6764% | 6,270 |
| Cost of funding earning assets | 0.2619% | 5,199 |
| Net interest margin | 2.4145% | 6,217 |
| Noninterest income to average assets | 0.2088% | 5,612 |
| Noninterest expense to average assets | 2.6503% | 4,052 |
| Loan and lease loss provision to assets | -0.0554% | 6,053 |
| Net operating income to assets | -0.1768% | 6,196 |
| Return on assets (ROA) | -0.1768% | 6,193 |
| Pretax return on assets | -0.2258% | 6,206 |
| Return on Equity (ROE) | -1.3763% | 6,183 |
| Retained earnings to average equity (ytd only) | -1.3763% | 5,957 |
| Net charge-offs to loans | -0.3398% | 6,345 |
| Credit loss provision to net charge-offs | 81.2500% | 2,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.8705% | 194 |
| Assets per employee ($millions) | 3.7014% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5283% | 2,348 |
| Loan loss allowance to noncurrent loans | 194.2029% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 5,458 |
| Noncurrent loans to loans | 0.7870% | 3,337 |
| Net loans and leases to total assets | 17.9434% | 6,393 |
| Net loans and leases to deposits | 20.6220% | 6,399 |
| Net loans and leases to core deposits | 20.6220% | 6,397 |
| Total domestic deposits to total assets | 87.0111% | 2,280 |
| Equity capital to assets | 12.4382% | 1,685 |
| Core capital (leverage) ratio | 10.4555% | 2,997 |
| Tier 1 risk-based capital ratio | 39.5924% | 244 |
| Total risk-based capital ratio | 40.6469% | 241 |
| Memoranda: | ||
| Average total assets | $46,938,200 | 5,862 |
| Average earning assets | $41,996,600 | 5,870 |
| Average equity | $6,030,800 | 5,612 |
| Average total loans | $9,417,000 | 6,331 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6860% | 6,336 |
| Cost of funding earning assets | 0.2651% | 5,256 |
| Net interest margin | 2.4209% | 6,286 |
| Noninterest income to average assets | 0.2258% | 5,581 |
| Noninterest expense to average assets | 2.7213% | 3,745 |
| Loan and lease loss provision to assets | -0.0658% | 6,217 |
| Net operating income to assets | -0.1515% | 6,248 |
| Return on assets (ROA) | -0.1515% | 6,256 |
| Pretax return on assets | -0.2630% | 6,276 |
| Return on Equity (ROE) | -1.1694% | 6,239 |
| Retained earnings to average equity (ytd only) | -1.1694% | 5,985 |
| Net charge-offs to loans | -0.4454% | 6,444 |
| Credit loss provision to net charge-offs | 71.8750% | 2,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7395% | 185 |
| Assets per employee ($millions) | 3.8733% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5376% | 2,559 |
| Loan loss allowance to noncurrent loans | 198.5507% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1485% | 5,595 |
| Noncurrent loans to loans | 0.7744% | 3,646 |
| Net loans and leases to total assets | 18.8752% | 6,465 |
| Net loans and leases to deposits | 21.8125% | 6,476 |
| Net loans and leases to core deposits | 21.8125% | 6,473 |
| Total domestic deposits to total assets | 86.5337% | 2,571 |
| Equity capital to assets | 12.9413% | 1,461 |
| Core capital (leverage) ratio | 10.8952% | 2,584 |
| Tier 1 risk-based capital ratio | 39.4946% | 250 |
| Total risk-based capital ratio | 40.5631% | 252 |
| Memoranda: | ||
| Average total assets | $46,643,250 | 5,942 |
| Average earning assets | $41,746,250 | 5,948 |
| Average equity | $6,042,250 | 5,669 |
| Average total loans | $9,579,250 | 6,401 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6806% | 6,401 |
| Cost of funding earning assets | 0.2714% | 5,272 |
| Net interest margin | 2.4092% | 6,350 |
| Noninterest income to average assets | 0.2527% | 5,385 |
| Noninterest expense to average assets | 2.7025% | 3,852 |
| Loan and lease loss provision to assets | -0.1842% | 6,457 |
| Net operating income to assets | -0.0600% | 6,232 |
| Return on assets (ROA) | -0.0600% | 6,244 |
| Pretax return on assets | -0.0985% | 6,255 |
| Return on Equity (ROE) | -0.4627% | 6,237 |
| Retained earnings to average equity (ytd only) | -0.4627% | 5,764 |
| Net charge-offs to loans | -0.6529% | 6,538 |
| Credit loss provision to net charge-offs | 134.3750% | 1,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6814% | 208 |
| Assets per employee ($millions) | 3.5432% | 4,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 3,979 |
| Loan loss allowance to noncurrent loans | 73.1250% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3474% | 4,991 |
| Noncurrent loans to loans | 1.7473% | 1,975 |
| Net loans and leases to total assets | 19.6257% | 6,515 |
| Net loans and leases to deposits | 22.7341% | 6,525 |
| Net loans and leases to core deposits | 22.7341% | 6,530 |
| Total domestic deposits to total assets | 86.3271% | 2,859 |
| Equity capital to assets | 13.1432% | 1,296 |
| Core capital (leverage) ratio | 11.0807% | 2,352 |
| Tier 1 risk-based capital ratio | 39.0662% | 260 |
| Total risk-based capital ratio | 39.9617% | 266 |
| Memoranda: | ||
| Average total assets | $46,698,000 | 5,993 |
| Average earning assets | $42,005,330 | 5,997 |
| Average equity | $6,051,330 | 5,707 |
| Average total loans | $9,802,330 | 6,457 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7029% | 6,462 |
| Cost of funding earning assets | 0.2646% | 5,445 |
| Net interest margin | 2.4382% | 6,388 |
| Noninterest income to average assets | 0.1446% | 6,104 |
| Noninterest expense to average assets | 2.7820% | 3,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.3063% | 6,401 |
| Return on assets (ROA) | -0.3063% | 6,403 |
| Pretax return on assets | -0.4424% | 6,442 |
| Return on Equity (ROE) | -2.3802% | 6,371 |
| Retained earnings to average equity (ytd only) | -2.3802% | 5,897 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.9091% | 179 |
| Assets per employee ($millions) | 3.6678% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 4,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 20.6241% | 6,566 |
| Net loans and leases to deposits | 23.6372% | 6,581 |
| Net loans and leases to core deposits | 23.6372% | 6,586 |
| Total domestic deposits to total assets | 87.2531% | 2,664 |
| Equity capital to assets | 12.6505% | 1,488 |
| Core capital (leverage) ratio | 10.6560% | 2,754 |
| Tier 1 risk-based capital ratio | 37.6175% | 277 |
| Total risk-based capital ratio | 38.5652% | 280 |
| Memoranda: | ||
| Average total assets | $47,016,000 | 6,041 |
| Average earning assets | $42,325,500 | 6,048 |
| Average equity | $6,050,000 | 5,734 |
| Average total loans | $10,125,000 | 6,516 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9040% | 6,419 |
| Cost of funding earning assets | 0.3227% | 5,396 |
| Net interest margin | 2.5814% | 6,283 |
| Noninterest income to average assets | 0.2309% | 5,696 |
| Noninterest expense to average assets | 2.4481% | 4,939 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1386% | 5,963 |
| Return on assets (ROA) | 0.1386% | 6,029 |
| Pretax return on assets | 0.1056% | 6,083 |
| Return on Equity (ROE) | 1.0431% | 6,071 |
| Retained earnings to average equity (ytd only) | 1.0431% | 5,373 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8656% | 650 |
| Assets per employee ($millions) | 3.8625% | 4,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 4,420 |
| Loan loss allowance to noncurrent loans | 98.4615% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.2805% | 5,415 |
| Noncurrent loans to loans | 1.2636% | 3,018 |
| Net loans and leases to total assets | 21.9202% | 6,636 |
| Net loans and leases to deposits | 25.2793% | 6,648 |
| Net loans and leases to core deposits | 25.2793% | 6,656 |
| Total domestic deposits to total assets | 86.7120% | 2,871 |
| Equity capital to assets | 13.0917% | 1,233 |
| Core capital (leverage) ratio | 11.0334% | 2,359 |
| Tier 1 risk-based capital ratio | 37.1819% | 274 |
| Total risk-based capital ratio | 38.1125% | 277 |
| Memoranda: | ||
| Average total assets | $45,464,400 | 6,138 |
| Average earning assets | $40,908,800 | 6,145 |
| Average equity | $6,039,800 | 5,817 |
| Average total loans | $10,706,600 | 6,561 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9495% | 6,465 |
| Cost of funding earning assets | 0.3343% | 5,439 |
| Net interest margin | 2.6153% | 6,298 |
| Noninterest income to average assets | 0.2357% | 5,745 |
| Noninterest expense to average assets | 2.4195% | 4,961 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2033% | 5,904 |
| Return on assets (ROA) | 0.1680% | 6,063 |
| Pretax return on assets | 0.1326% | 6,169 |
| Return on Equity (ROE) | 1.2598% | 6,131 |
| Retained earnings to average equity (ytd only) | 1.2598% | 5,479 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5080% | 767 |
| Assets per employee ($millions) | 3.7218% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,845 |
| Loan loss allowance to noncurrent loans | 182.8571% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.1567% | 5,967 |
| Noncurrent loans to loans | 0.6581% | 4,553 |
| Net loans and leases to total assets | 23.5284% | 6,698 |
| Net loans and leases to deposits | 27.3724% | 6,706 |
| Net loans and leases to core deposits | 27.3724% | 6,719 |
| Total domestic deposits to total assets | 85.9564% | 3,278 |
| Equity capital to assets | 13.5734% | 1,088 |
| Core capital (leverage) ratio | 11.4507% | 2,084 |
| Tier 1 risk-based capital ratio | 36.3262% | 304 |
| Total risk-based capital ratio | 37.2354% | 304 |
| Memoranda: | ||
| Average total assets | $45,243,000 | 6,210 |
| Average earning assets | $40,683,250 | 6,219 |
| Average equity | $6,032,750 | 5,886 |
| Average total loans | $10,811,250 | 6,629 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0131% | 6,434 |
| Cost of funding earning assets | 0.3418% | 5,477 |
| Net interest margin | 2.6712% | 6,229 |
| Noninterest income to average assets | 0.2157% | 5,894 |
| Noninterest expense to average assets | 2.3725% | 5,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2157% | 5,849 |
| Return on assets (ROA) | 0.2157% | 5,982 |
| Pretax return on assets | 0.2509% | 6,001 |
| Return on Equity (ROE) | 1.6271% | 6,064 |
| Retained earnings to average equity (ytd only) | 1.6271% | 5,212 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4362% | 1,030 |
| Assets per employee ($millions) | 3.8008% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 5,112 |
| Loan loss allowance to noncurrent loans | 128.0000% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.2193% | 5,839 |
| Noncurrent loans to loans | 0.9203% | 4,084 |
| Net loans and leases to total assets | 23.5431% | 6,730 |
| Net loans and leases to deposits | 27.1848% | 6,748 |
| Net loans and leases to core deposits | 27.1848% | 6,763 |
| Total domestic deposits to total assets | 86.6038% | 3,057 |
| Equity capital to assets | 13.2712% | 1,231 |
| Core capital (leverage) ratio | 11.1774% | 2,195 |
| Tier 1 risk-based capital ratio | 36.9795% | 289 |
| Total risk-based capital ratio | 37.9080% | 288 |
| Memoranda: | ||
| Average total assets | $45,437,000 | 6,252 |
| Average earning assets | $40,955,000 | 6,258 |
| Average equity | $6,023,000 | 5,930 |
| Average total loans | $10,869,670 | 6,673 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0712% | 6,430 |
| Cost of funding earning assets | 0.3532% | 5,500 |
| Net interest margin | 2.7180% | 6,191 |
| Noninterest income to average assets | 0.2117% | 5,967 |
| Noninterest expense to average assets | 2.5667% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0529% | 6,241 |
| Return on assets (ROA) | 0.0529% | 6,328 |
| Pretax return on assets | 0.0882% | 6,271 |
| Return on Equity (ROE) | 0.3995% | 6,347 |
| Retained earnings to average equity (ytd only) | 0.3995% | 5,661 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6777% | 695 |
| Assets per employee ($millions) | 3.4888% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 5,246 |
| Loan loss allowance to noncurrent loans | 120.7547% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 5,869 |
| Noncurrent loans to loans | 0.9812% | 4,169 |
| Net loans and leases to total assets | 23.5365% | 6,784 |
| Net loans and leases to deposits | 27.1774% | 6,800 |
| Net loans and leases to core deposits | 27.1774% | 6,822 |
| Total domestic deposits to total assets | 86.6035% | 3,179 |
| Equity capital to assets | 13.2532% | 1,319 |
| Core capital (leverage) ratio | 11.1564% | 2,129 |
| Tier 1 risk-based capital ratio | 36.6986% | 300 |
| Total risk-based capital ratio | 37.0685% | 314 |
| Memoranda: | ||
| Average total assets | $45,350,500 | 6,305 |
| Average earning assets | $40,766,000 | 6,317 |
| Average equity | $6,008,000 | 5,979 |
| Average total loans | $10,871,500 | 6,737 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3026% | 6,580 |
| Cost of funding earning assets | 0.4781% | 5,368 |
| Net interest margin | 2.8244% | 6,355 |
| Noninterest income to average assets | 0.2822% | 5,450 |
| Noninterest expense to average assets | 4.3643% | 641 |
| Loan and lease loss provision to assets | 0.3469% | 1,929 |
| Net operating income to assets | -1.3322% | 6,826 |
| Return on assets (ROA) | -1.3322% | 6,834 |
| Pretax return on assets | -1.9150% | 6,918 |
| Return on Equity (ROE) | -9.0935% | 6,704 |
| Retained earnings to average equity (ytd only) | -9.0935% | 6,608 |
| Net charge-offs to loans | 0.3361% | 2,955 |
| Credit loss provision to net charge-offs | 405.4054% | 594 |
| Earnings coverage of net charge-offs (x) | -18.3243% | 5,959 |
| Efficiency ratio | 156.0794% | 79 |
| Assets per employee ($millions) | 3.4882% | 5,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1700% | 5,262 |
| Loan loss allowance to noncurrent loans | 62.7451% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 5,359 |
| Noncurrent loans to loans | 1.8647% | 2,842 |
| Net loans and leases to total assets | 23.8433% | 6,860 |
| Net loans and leases to deposits | 28.9944% | 6,853 |
| Net loans and leases to core deposits | 28.9944% | 6,863 |
| Total domestic deposits to total assets | 82.2344% | 5,020 |
| Equity capital to assets | 13.2426% | 1,335 |
| Core capital (leverage) ratio | 11.1520% | 2,124 |
| Tier 1 risk-based capital ratio | 37.3210% | 284 |
| Total risk-based capital ratio | 37.7048% | 291 |
| Memoranda: | ||
| Average total assets | $43,237,400 | 6,389 |
| Average earning assets | $38,485,400 | 6,413 |
| Average equity | $6,334,200 | 5,934 |
| Average total loans | $11,007,800 | 6,808 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 6,641 |
| Cost of funding earning assets | 0.5097% | 5,379 |
| Net interest margin | 2.8789% | 6,396 |
| Noninterest income to average assets | 0.2778% | 5,555 |
| Noninterest expense to average assets | 4.9292% | 378 |
| Loan and lease loss provision to assets | 0.4683% | 1,322 |
| Net operating income to assets | -1.6171% | 6,989 |
| Return on assets (ROA) | -1.6171% | 6,996 |
| Pretax return on assets | -2.5629% | 7,085 |
| Return on Equity (ROE) | -10.7637% | 6,872 |
| Retained earnings to average equity (ytd only) | -10.7637% | 6,832 |
| Net charge-offs to loans | 0.4474% | 2,318 |
| Credit loss provision to net charge-offs | 405.4054% | 665 |
| Earnings coverage of net charge-offs (x) | -18.1358% | 5,750 |
| Efficiency ratio | 173.8987% | 60 |
| Assets per employee ($millions) | 3.3260% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,471 |
| Loan loss allowance to noncurrent loans | 426.6667% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 6,571 |
| Noncurrent loans to loans | 0.2720% | 5,942 |
| Net loans and leases to total assets | 25.2162% | 6,937 |
| Net loans and leases to deposits | 29.3747% | 6,963 |
| Net loans and leases to core deposits | 29.3747% | 6,974 |
| Total domestic deposits to total assets | 85.8435% | 3,339 |
| Equity capital to assets | 14.0224% | 1,146 |
| Core capital (leverage) ratio | 10.8076% | 2,589 |
| Tier 1 risk-based capital ratio | 35.8744% | 328 |
| Total risk-based capital ratio | 32.8881% | 452 |
| Memoranda: | ||
| Average total assets | $42,710,250 | 6,480 |
| Average earning assets | $37,929,750 | 6,513 |
| Average equity | $6,416,500 | 5,982 |
| Average total loans | $11,024,750 | 6,898 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4862% | 6,623 |
| Cost of funding earning assets | 0.5258% | 5,452 |
| Net interest margin | 2.9604% | 6,318 |
| Noninterest income to average assets | 0.3244% | 5,233 |
| Noninterest expense to average assets | 2.9623% | 3,401 |
| Loan and lease loss provision to assets | 0.7053% | 770 |
| Net operating income to assets | -0.6677% | 6,806 |
| Return on assets (ROA) | -0.6677% | 6,840 |
| Pretax return on assets | -0.6959% | 6,821 |
| Return on Equity (ROE) | -4.3463% | 6,742 |
| Retained earnings to average equity (ytd only) | -4.3463% | 6,577 |
| Net charge-offs to loans | 0.6713% | 1,646 |
| Credit loss provision to net charge-offs | 405.4054% | 724 |
| Earnings coverage of net charge-offs (x) | 0.0541% | 5,055 |
| Efficiency ratio | 99.6835% | 573 |
| Assets per employee ($millions) | 3.5476% | 4,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 5,563 |
| Loan loss allowance to noncurrent loans | 54.4681% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 5,380 |
| Noncurrent loans to loans | 2.1148% | 2,807 |
| Net loans and leases to total assets | 25.8016% | 6,987 |
| Net loans and leases to deposits | 30.4409% | 6,998 |
| Net loans and leases to core deposits | 30.4409% | 7,013 |
| Total domestic deposits to total assets | 84.7596% | 3,966 |
| Equity capital to assets | 15.1253% | 757 |
| Core capital (leverage) ratio | 11.8461% | 1,686 |
| Tier 1 risk-based capital ratio | 38.9090% | 254 |
| Total risk-based capital ratio | 35.8923% | 348 |
| Memoranda: | ||
| Average total assets | $42,534,330 | 6,527 |
| Average earning assets | $38,035,670 | 6,554 |
| Average equity | $6,534,330 | 5,975 |
| Average total loans | $11,022,670 | 6,962 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5784% | 6,602 |
| Cost of funding earning assets | 0.5352% | 5,582 |
| Net interest margin | 3.0432% | 6,207 |
| Noninterest income to average assets | 0.2917% | 5,530 |
| Noninterest expense to average assets | 3.0012% | 3,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0188% | 6,382 |
| Return on assets (ROA) | 0.0188% | 6,492 |
| Pretax return on assets | 0.0188% | 6,501 |
| Return on Equity (ROE) | 0.1215% | 6,501 |
| Retained earnings to average equity (ytd only) | 0.1215% | 5,939 |
| Net charge-offs to loans | -0.0364% | 6,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3769% | 577 |
| Assets per employee ($millions) | 3.3308% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1479% | 7,212 |
| Loan loss allowance to noncurrent loans | 8.1633% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4527% | 5,725 |
| Noncurrent loans to loans | 1.8116% | 3,392 |
| Net loans and leases to total assets | 24.9492% | 7,062 |
| Net loans and leases to deposits | 29.4416% | 7,064 |
| Net loans and leases to core deposits | 29.4416% | 7,082 |
| Total domestic deposits to total assets | 84.7413% | 4,148 |
| Equity capital to assets | 15.2032% | 711 |
| Core capital (leverage) ratio | 12.0000% | 1,589 |
| Tier 1 risk-based capital ratio | 38.6953% | 254 |
| Total risk-based capital ratio | 38.8144% | 271 |
| Memoranda: | ||
| Average total assets | $42,516,000 | 6,583 |
| Average earning assets | $38,118,000 | 6,599 |
| Average equity | $6,582,000 | 5,999 |
| Average total loans | $10,978,000 | 7,025 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5419% | 6,971 |
| Cost of funding earning assets | 0.7263% | 5,365 |
| Net interest margin | 2.8156% | 6,805 |
| Noninterest income to average assets | 0.2035% | 6,046 |
| Noninterest expense to average assets | 2.9797% | 3,665 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.1647% | 6,217 |
| Return on assets (ROA) | -0.1647% | 6,294 |
| Pretax return on assets | -0.2592% | 6,329 |
| Return on Equity (ROE) | -1.0300% | 6,246 |
| Retained earnings to average equity (ytd only) | -1.0300% | 6,009 |
| Net charge-offs to loans | 0.1180% | 5,204 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -8.2308% | 6,385 |
| Efficiency ratio | 109.5280% | 445 |
| Assets per employee ($millions) | 3.2102% | 5,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1347% | 7,271 |
| Loan loss allowance to noncurrent loans | 7.0093% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 5,686 |
| Noncurrent loans to loans | 1.9215% | 3,309 |
| Net loans and leases to total assets | 26.6510% | 7,104 |
| Net loans and leases to deposits | 31.6137% | 7,100 |
| Net loans and leases to core deposits | 31.6137% | 7,124 |
| Total domestic deposits to total assets | 84.3022% | 4,186 |
| Equity capital to assets | 15.7697% | 619 |
| Core capital (leverage) ratio | 13.5362% | 952 |
| Tier 1 risk-based capital ratio | 61.6375% | 90 |
| Total risk-based capital ratio | 61.8056% | 94 |
| Memoranda: | ||
| Average total assets | $41,279,200 | 6,624 |
| Average earning assets | $36,901,400 | 6,644 |
| Average equity | $6,602,000 | 5,984 |
| Average total loans | $11,017,000 | 7,078 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5867% | 7,040 |
| Cost of funding earning assets | 0.7515% | 5,465 |
| Net interest margin | 2.8352% | 6,849 |
| Noninterest income to average assets | 0.1846% | 6,274 |
| Noninterest expense to average assets | 3.0413% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2073% | 6,393 |
| Return on assets (ROA) | -0.2073% | 6,473 |
| Pretax return on assets | -0.3271% | 6,518 |
| Return on Equity (ROE) | -1.2915% | 6,411 |
| Retained earnings to average equity (ytd only) | -1.2915% | 6,199 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0525% | 394 |
| Assets per employee ($millions) | 3.3413% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2489% | 7,314 |
| Loan loss allowance to noncurrent loans | 15.4286% | 6,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 6,072 |
| Noncurrent loans to loans | 1.6132% | 3,879 |
| Net loans and leases to total assets | 24.9119% | 7,210 |
| Net loans and leases to deposits | 31.4500% | 7,184 |
| Net loans and leases to core deposits | 31.4500% | 7,208 |
| Total domestic deposits to total assets | 79.2113% | 5,943 |
| Equity capital to assets | 15.1530% | 812 |
| Core capital (leverage) ratio | 12.9916% | 1,236 |
| Tier 1 risk-based capital ratio | 60.9008% | 107 |
| Total risk-based capital ratio | 61.1996% | 109 |
| Memoranda: | ||
| Average total assets | $41,166,000 | 6,685 |
| Average earning assets | $36,727,500 | 6,711 |
| Average equity | $6,607,250 | 6,025 |
| Average total loans | $10,987,000 | 7,150 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7512% | 6,968 |
| Cost of funding earning assets | 0.7859% | 5,471 |
| Net interest margin | 2.9653% | 6,671 |
| Noninterest income to average assets | 0.2079% | 6,178 |
| Noninterest expense to average assets | 3.1627% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.2326% | 6,497 |
| Return on assets (ROA) | -0.2326% | 6,537 |
| Pretax return on assets | -0.3217% | 6,544 |
| Return on Equity (ROE) | -1.4209% | 6,458 |
| Retained earnings to average equity (ytd only) | -1.4209% | 6,141 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.3240% | 455 |
| Assets per employee ($millions) | 2.8976% | 6,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2517% | 7,375 |
| Loan loss allowance to noncurrent loans | 19.4245% | 6,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 6,271 |
| Noncurrent loans to loans | 1.2957% | 4,492 |
| Net loans and leases to total assets | 26.3792% | 7,280 |
| Net loans and leases to deposits | 31.5236% | 7,280 |
| Net loans and leases to core deposits | 31.5236% | 7,304 |
| Total domestic deposits to total assets | 83.6809% | 4,479 |
| Equity capital to assets | 16.2599% | 579 |
| Core capital (leverage) ratio | 13.9695% | 878 |
| Tier 1 risk-based capital ratio | 61.5350% | 102 |
| Total risk-based capital ratio | 61.8362% | 106 |
| Memoranda: | ||
| Average total assets | $40,409,000 | 6,775 |
| Average earning assets | $35,882,000 | 6,803 |
| Average equity | $6,615,670 | 6,047 |
| Average total loans | $11,033,330 | 7,217 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8711% | 6,860 |
| Cost of funding earning assets | 0.8055% | 5,549 |
| Net interest margin | 3.0655% | 6,429 |
| Noninterest income to average assets | 0.2083% | 6,246 |
| Noninterest expense to average assets | 3.2035% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2777% | 6,635 |
| Return on assets (ROA) | -0.2777% | 6,651 |
| Pretax return on assets | -0.2777% | 6,602 |
| Return on Equity (ROE) | -1.6904% | 6,555 |
| Retained earnings to average equity (ytd only) | -1.6904% | 6,099 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4915% | 517 |
| Assets per employee ($millions) | 2.8759% | 6,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2443% | 7,430 |
| Loan loss allowance to noncurrent loans | 15.3409% | 6,912 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 6,116 |
| Noncurrent loans to loans | 1.5926% | 4,091 |
| Net loans and leases to total assets | 27.3807% | 7,314 |
| Net loans and leases to deposits | 32.7530% | 7,298 |
| Net loans and leases to core deposits | 32.7530% | 7,337 |
| Total domestic deposits to total assets | 83.5974% | 4,665 |
| Equity capital to assets | 16.4224% | 511 |
| Core capital (leverage) ratio | 14.1165% | 829 |
| Tier 1 risk-based capital ratio | 61.4897% | 102 |
| Total risk-based capital ratio | 61.7899% | 103 |
| Memoranda: | ||
| Average total assets | $40,330,500 | 6,821 |
| Average earning assets | $35,752,500 | 6,854 |
| Average equity | $6,625,500 | 6,052 |
| Average total loans | $11,186,000 | 7,262 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7447% | 7,283 |
| Cost of funding earning assets | 0.9782% | 5,792 |
| Net interest margin | 2.7666% | 7,067 |
| Noninterest income to average assets | 0.4469% | 4,543 |
| Noninterest expense to average assets | 2.9545% | 4,019 |
| Loan and lease loss provision to assets | 0.0071% | 7,006 |
| Net operating income to assets | -0.0404% | 5,912 |
| Return on assets (ROA) | -0.0404% | 6,003 |
| Pretax return on assets | -0.0475% | 5,953 |
| Return on Equity (ROE) | -0.2555% | 5,995 |
| Retained earnings to average equity (ytd only) | -0.2555% | 5,659 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3866% | 735 |
| Assets per employee ($millions) | 2.8856% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2473% | 7,507 |
| Loan loss allowance to noncurrent loans | 13.2075% | 7,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 5,983 |
| Noncurrent loans to loans | 1.8726% | 3,722 |
| Net loans and leases to total assets | 27.9537% | 7,407 |
| Net loans and leases to deposits | 33.4231% | 7,406 |
| Net loans and leases to core deposits | 33.4231% | 7,433 |
| Total domestic deposits to total assets | 83.6357% | 4,536 |
| Equity capital to assets | 16.4336% | 529 |
| Core capital (leverage) ratio | 14.1426% | 818 |
| Tier 1 risk-based capital ratio | 59.4251% | 107 |
| Total risk-based capital ratio | 59.7243% | 110 |
| Memoranda: | ||
| Average total assets | $42,070,800 | 6,797 |
| Average earning assets | $37,519,600 | 6,817 |
| Average equity | $6,653,600 | 6,148 |
| Average total loans | $10,970,600 | 7,350 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 7,408 |
| Cost of funding earning assets | 1.0022% | 5,930 |
| Net interest margin | 2.7886% | 7,142 |
| Noninterest income to average assets | 0.4958% | 4,221 |
| Noninterest expense to average assets | 2.9497% | 3,922 |
| Loan and lease loss provision to assets | 0.0094% | 6,928 |
| Net operating income to assets | 0.0157% | 5,969 |
| Return on assets (ROA) | 0.0157% | 6,092 |
| Pretax return on assets | 0.0251% | 6,055 |
| Return on Equity (ROE) | 0.1002% | 6,102 |
| Retained earnings to average equity (ytd only) | 0.1002% | 5,739 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8433% | 784 |
| Assets per employee ($millions) | 2.8579% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2517% | 7,619 |
| Loan loss allowance to noncurrent loans | 24.7788% | 6,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 6,669 |
| Noncurrent loans to loans | 1.0158% | 5,205 |
| Net loans and leases to total assets | 27.7331% | 7,514 |
| Net loans and leases to deposits | 33.2833% | 7,529 |
| Net loans and leases to core deposits | 33.2833% | 7,543 |
| Total domestic deposits to total assets | 83.3242% | 4,450 |
| Equity capital to assets | 16.6483% | 566 |
| Core capital (leverage) ratio | 14.3426% | 846 |
| Tier 1 risk-based capital ratio | 61.2617% | 107 |
| Total risk-based capital ratio | 61.5688% | 107 |
| Memoranda: | ||
| Average total assets | $42,488,750 | 6,867 |
| Average earning assets | $37,915,000 | 6,881 |
| Average equity | $6,657,250 | 6,219 |
| Average total loans | $10,883,000 | 7,450 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8420% | 7,469 |
| Cost of funding earning assets | 1.0070% | 6,102 |
| Net interest margin | 2.8350% | 7,097 |
| Noninterest income to average assets | 0.4525% | 4,492 |
| Noninterest expense to average assets | 2.9505% | 3,888 |
| Loan and lease loss provision to assets | 0.0092% | 6,809 |
| Net operating income to assets | 0.0185% | 6,053 |
| Return on assets (ROA) | 0.0185% | 6,156 |
| Pretax return on assets | 0.0277% | 6,107 |
| Return on Equity (ROE) | 0.1202% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.1202% | 5,696 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7635% | 850 |
| Assets per employee ($millions) | 2.8846% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2560% | 7,683 |
| Loan loss allowance to noncurrent loans | 57.1429% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 7,089 |
| Noncurrent loans to loans | 0.4480% | 6,352 |
| Net loans and leases to total assets | 27.0156% | 7,600 |
| Net loans and leases to deposits | 32.3633% | 7,604 |
| Net loans and leases to core deposits | 32.3633% | 7,627 |
| Total domestic deposits to total assets | 83.4761% | 4,355 |
| Equity capital to assets | 16.4892% | 601 |
| Core capital (leverage) ratio | 14.1989% | 878 |
| Tier 1 risk-based capital ratio | 59.8050% | 110 |
| Total risk-based capital ratio | 60.1050% | 113 |
| Memoranda: | ||
| Average total assets | $43,315,000 | 6,884 |
| Average earning assets | $38,729,670 | 6,899 |
| Average equity | $6,656,000 | 6,253 |
| Average total loans | $10,802,670 | 7,513 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8719% | 7,538 |
| Cost of funding earning assets | 0.9953% | 6,401 |
| Net interest margin | 2.8765% | 7,059 |
| Noninterest income to average assets | 0.3216% | 5,576 |
| Noninterest expense to average assets | 2.8852% | 4,119 |
| Loan and lease loss provision to assets | 0.0089% | 6,513 |
| Net operating income to assets | 0.0089% | 6,264 |
| Return on assets (ROA) | 0.0089% | 6,376 |
| Pretax return on assets | 0.0089% | 6,333 |
| Return on Equity (ROE) | 0.0601% | 6,387 |
| Retained earnings to average equity (ytd only) | 0.0601% | 5,799 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3846% | 862 |
| Assets per employee ($millions) | 3.1807% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2619% | 7,780 |
| Loan loss allowance to noncurrent loans | 54.9020% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 7,189 |
| Noncurrent loans to loans | 0.4770% | 6,344 |
| Net loans and leases to total assets | 23.9457% | 7,728 |
| Net loans and leases to deposits | 31.4914% | 7,706 |
| Net loans and leases to core deposits | 31.4914% | 7,723 |
| Total domestic deposits to total assets | 76.0386% | 6,752 |
| Equity capital to assets | 14.9450% | 896 |
| Core capital (leverage) ratio | 12.4379% | 1,430 |
| Tier 1 risk-based capital ratio | 46.2041% | 176 |
| Total risk-based capital ratio | 46.4445% | 184 |
| Memoranda: | ||
| Average total assets | $44,780,500 | 6,927 |
| Average earning assets | $40,187,500 | 6,921 |
| Average equity | $6,654,500 | 6,305 |
| Average total loans | $10,735,000 | 7,617 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1883% | 7,611 |
| Cost of funding earning assets | 1.2745% | 6,399 |
| Net interest margin | 2.9138% | 6,836 |
| Noninterest income to average assets | 0.2826% | 6,083 |
| Noninterest expense to average assets | 2.7456% | 5,179 |
| Loan and lease loss provision to assets | 0.0130% | 7,359 |
| Net operating income to assets | 0.1217% | 5,141 |
| Return on assets (ROA) | 0.1674% | 5,073 |
| Pretax return on assets | 0.2239% | 4,950 |
| Return on Equity (ROE) | 1.1631% | 5,183 |
| Retained earnings to average equity (ytd only) | 1.1631% | 4,231 |
| Net charge-offs to loans | 0.0288% | 6,842 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 837 |
| Efficiency ratio | 93.9732% | 1,417 |
| Assets per employee ($millions) | 3.4639% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2598% | 7,851 |
| Loan loss allowance to noncurrent loans | 22.9508% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 0.2709% | 6,775 |
| Noncurrent loans to loans | 1.1318% | 5,070 |
| Net loans and leases to total assets | 23.8747% | 7,810 |
| Net loans and leases to deposits | 32.2717% | 7,780 |
| Net loans and leases to core deposits | 34.1551% | 7,834 |
| Total domestic deposits to total assets | 73.9801% | 7,018 |
| Equity capital to assets | 14.7765% | 957 |
| Core capital (leverage) ratio | 12.3012% | 1,526 |
| Tier 1 risk-based capital ratio | 45.4645% | 188 |
| Total risk-based capital ratio | 45.7010% | 194 |
| Memoranda: | ||
| Average total assets | $46,001,600 | 6,873 |
| Average earning assets | $41,663,800 | 6,875 |
| Average equity | $6,620,200 | 6,386 |
| Average total loans | $10,403,400 | 7,687 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2399% | 7,700 |
| Cost of funding earning assets | 1.3043% | 6,545 |
| Net interest margin | 2.9356% | 6,762 |
| Noninterest income to average assets | 0.3633% | 5,596 |
| Noninterest expense to average assets | 2.6871% | 5,384 |
| Loan and lease loss provision to assets | 0.0144% | 7,190 |
| Net operating income to assets | 0.2436% | 5,015 |
| Return on assets (ROA) | 0.2393% | 5,106 |
| Pretax return on assets | 0.3229% | 4,999 |
| Return on Equity (ROE) | 1.6737% | 5,277 |
| Retained earnings to average equity (ytd only) | 1.6737% | 4,373 |
| Net charge-offs to loans | 0.0388% | 6,367 |
| Credit loss provision to net charge-offs | 166.6667% | 2,812 |
| Earnings coverage of net charge-offs (x) | 39.6650% | 754 |
| Efficiency ratio | 88.6775% | 1,806 |
| Assets per employee ($millions) | 3.3996% | 5,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2746% | 7,921 |
| Loan loss allowance to noncurrent loans | 15.5556% | 7,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4073% | 6,432 |
| Noncurrent loans to loans | 1.7652% | 3,971 |
| Net loans and leases to total assets | 23.0094% | 7,914 |
| Net loans and leases to deposits | 30.9013% | 7,898 |
| Net loans and leases to core deposits | 30.9173% | 7,944 |
| Total domestic deposits to total assets | 74.4609% | 6,871 |
| Equity capital to assets | 15.0651% | 988 |
| Core capital (leverage) ratio | 12.5908% | 1,544 |
| Tier 1 risk-based capital ratio | 46.7087% | 195 |
| Total risk-based capital ratio | 46.9506% | 202 |
| Memoranda: | ||
| Average total assets | $46,244,250 | 6,912 |
| Average earning assets | $42,012,500 | 6,909 |
| Average equity | $6,611,750 | 6,448 |
| Average total loans | $10,309,500 | 7,763 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 7,812 |
| Cost of funding earning assets | 1.3380% | 6,684 |
| Net interest margin | 2.8913% | 6,821 |
| Noninterest income to average assets | 0.3921% | 5,360 |
| Noninterest expense to average assets | 2.6466% | 5,572 |
| Loan and lease loss provision to assets | 0.0170% | 7,053 |
| Net operating income to assets | 0.2100% | 5,228 |
| Return on assets (ROA) | 0.2046% | 5,325 |
| Pretax return on assets | 0.3537% | 5,064 |
| Return on Equity (ROE) | 1.4554% | 5,476 |
| Retained earnings to average equity (ytd only) | 1.4554% | 4,520 |
| Net charge-offs to loans | 0.0773% | 5,428 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 22.2500% | 1,232 |
| Efficiency ratio | 87.4648% | 2,077 |
| Assets per employee ($millions) | 3.8699% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2577% | 8,022 |
| Loan loss allowance to noncurrent loans | 34.6667% | 6,135 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 7,150 |
| Noncurrent loans to loans | 0.7434% | 5,754 |
| Net loans and leases to total assets | 21.6693% | 8,020 |
| Net loans and leases to deposits | 29.8393% | 7,996 |
| Net loans and leases to core deposits | 31.0990% | 8,028 |
| Total domestic deposits to total assets | 72.6200% | 7,167 |
| Equity capital to assets | 14.2596% | 1,233 |
| Core capital (leverage) ratio | 11.6905% | 1,985 |
| Tier 1 risk-based capital ratio | 42.6560% | 259 |
| Total risk-based capital ratio | 42.8664% | 268 |
| Memoranda: | ||
| Average total assets | $46,927,330 | 6,944 |
| Average earning assets | $42,749,670 | 6,937 |
| Average equity | $6,596,330 | 6,500 |
| Average total loans | $10,347,000 | 7,843 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 7,703 |
| Cost of funding earning assets | 1.3589% | 6,845 |
| Net interest margin | 3.1552% | 5,995 |
| Noninterest income to average assets | 0.2883% | 6,132 |
| Noninterest expense to average assets | 2.6881% | 5,065 |
| Loan and lease loss provision to assets | 0.0085% | 6,706 |
| Net operating income to assets | 0.2737% | 5,395 |
| Return on assets (ROA) | 0.2629% | 5,592 |
| Pretax return on assets | 0.4494% | 5,247 |
| Return on Equity (ROE) | 1.8835% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.8835% | 4,807 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9866% | 2,196 |
| Assets per employee ($millions) | 3.5866% | 4,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2948% | 8,032 |
| Loan loss allowance to noncurrent loans | 52.6316% | 5,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1222% | 7,219 |
| Noncurrent loans to loans | 0.5601% | 6,012 |
| Net loans and leases to total assets | 21.7625% | 8,067 |
| Net loans and leases to deposits | 29.8801% | 8,039 |
| Net loans and leases to core deposits | 30.3421% | 8,081 |
| Total domestic deposits to total assets | 72.8328% | 7,076 |
| Equity capital to assets | 14.1573% | 1,317 |
| Core capital (leverage) ratio | 11.7926% | 2,003 |
| Tier 1 risk-based capital ratio | 43.2474% | 276 |
| Total risk-based capital ratio | 43.4899% | 282 |
| Memoranda: | ||
| Average total assets | $47,171,500 | 6,977 |
| Average earning assets | $42,976,000 | 6,975 |
| Average equity | $6,583,500 | 6,551 |
| Average total loans | $10,476,000 | 7,882 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0699% | 7,792 |
| Cost of funding earning assets | 1.7323% | 7,179 |
| Net interest margin | 3.3375% | 5,909 |
| Noninterest income to average assets | 0.3237% | 6,134 |
| Noninterest expense to average assets | 2.7445% | 5,073 |
| Loan and lease loss provision to assets | 0.9087% | 1,642 |
| Net operating income to assets | -0.1803% | 6,594 |
| Return on assets (ROA) | -0.1803% | 6,446 |
| Pretax return on assets | -0.2959% | 6,454 |
| Return on Equity (ROE) | -1.1901% | 6,389 |
| Retained earnings to average equity (ytd only) | -1.1901% | 5,652 |
| Net charge-offs to loans | 0.0088% | 6,805 |
| Credit loss provision to net charge-offs | 39,300.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 265.0000% | 189 |
| Efficiency ratio | 81.7493% | 2,335 |
| Assets per employee ($millions) | 3.1811% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2784% | 8,102 |
| Loan loss allowance to noncurrent loans | 46.8750% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 7,043 |
| Noncurrent loans to loans | 0.5940% | 5,591 |
| Net loans and leases to total assets | 22.5182% | 8,126 |
| Net loans and leases to deposits | 32.2402% | 8,091 |
| Net loans and leases to core deposits | 33.3395% | 8,130 |
| Total domestic deposits to total assets | 69.8451% | 7,293 |
| Equity capital to assets | 13.7603% | 1,513 |
| Core capital (leverage) ratio | 11.4461% | 2,286 |
| Tier 1 risk-based capital ratio | 40.8651% | 321 |
| Total risk-based capital ratio | 41.0956% | 336 |
| Memoranda: | ||
| Average total assets | $43,250,800 | 7,066 |
| Average earning assets | $39,310,800 | 7,069 |
| Average equity | $6,554,000 | 6,623 |
| Average total loans | $11,315,000 | 7,873 |