Home > First Southern Bank > Performance and Condition Ratios
First Southern Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0173% | 2,040 |
| Cost of funding earning assets | 0.9523% | 3,406 |
| Net interest margin | 4.0650% | 1,113 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 3.3451% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6485% | 3,312 |
| Return on assets (ROA) | 0.6485% | 3,293 |
| Pretax return on assets | 0.8525% | 3,087 |
| Return on Equity (ROE) | 8.6500% | 2,846 |
| Retained earnings to average equity (ytd only) | 8.6527% | 1,349 |
| Net charge-offs to loans | 0.0095% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 155.8235% | 693 |
| Efficiency ratio | 79.6903% | 933 |
| Assets per employee ($millions) | 5.0297% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8619% | 3,822 |
| Loan loss allowance to noncurrent loans | 2,203.9474% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.0248% | 3,538 |
| Noncurrent loans to loans | 0.0391% | 3,443 |
| Net loans and leases to total assets | 62.8000% | 2,594 |
| Net loans and leases to deposits | 68.6127% | 2,982 |
| Net loans and leases to core deposits | 73.0109% | 3,123 |
| Total domestic deposits to total assets | 91.5200% | 384 |
| Equity capital to assets | 7.9866% | 3,431 |
| Core capital (leverage) ratio | 9.3516% | 3,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2654% | 1,775 |
| Memoranda: | ||
| Average total assets | $310,722,400 | 2,371 |
| Average earning assets | $289,837,200 | 2,351 |
| Average equity | $23,287,600 | 2,607 |
| Average total loans | $178,104,600 | 2,462 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8843% | 2,096 |
| Cost of funding earning assets | 0.8095% | 3,495 |
| Net interest margin | 4.0748% | 1,106 |
| Noninterest income to average assets | 0.4000% | 2,484 |
| Noninterest expense to average assets | 3.3219% | 704 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.6694% | 3,386 |
| Return on assets (ROA) | 0.6694% | 3,375 |
| Pretax return on assets | 0.8807% | 3,148 |
| Return on Equity (ROE) | 9.0800% | 2,906 |
| Retained earnings to average equity (ytd only) | 9.0787% | 1,661 |
| Net charge-offs to loans | 0.0107% | 2,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 147.0714% | 741 |
| Efficiency ratio | 79.0433% | 923 |
| Assets per employee ($millions) | 5.1298% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9073% | 3,705 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 58.5700% | 2,979 |
| Net loans and leases to deposits | 63.7578% | 3,283 |
| Net loans and leases to core deposits | 68.1539% | 3,311 |
| Total domestic deposits to total assets | 91.8600% | 481 |
| Equity capital to assets | 7.6260% | 3,278 |
| Core capital (leverage) ratio | 9.2273% | 3,565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3908% | 1,755 |
| Memoranda: | ||
| Average total assets | $311,699,500 | 2,367 |
| Average earning assets | $290,722,500 | 2,362 |
| Average equity | $22,983,500 | 2,622 |
| Average total loans | $174,044,500 | 2,495 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 2,118 |
| Cost of funding earning assets | 0.4139% | 3,928 |
| Net interest margin | 4.1727% | 992 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 3.2973% | 703 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7431% | 3,363 |
| Return on assets (ROA) | 0.7431% | 3,321 |
| Pretax return on assets | 0.9800% | 3,053 |
| Return on Equity (ROE) | 10.2600% | 2,706 |
| Retained earnings to average equity (ytd only) | 10.2578% | 1,636 |
| Net charge-offs to loans | 0.0096% | 1,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 189.2500% | 521 |
| Efficiency ratio | 77.0884% | 1,078 |
| Assets per employee ($millions) | 4.9252% | 3,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,560 |
| Loan loss allowance to noncurrent loans | 168,900.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0139% | 3,715 |
| Noncurrent loans to loans | 0.0006% | 3,880 |
| Net loans and leases to total assets | 54.5200% | 3,156 |
| Net loans and leases to deposits | 59.1091% | 3,389 |
| Net loans and leases to core deposits | 63.2569% | 3,377 |
| Total domestic deposits to total assets | 92.2300% | 464 |
| Equity capital to assets | 7.3248% | 3,661 |
| Core capital (leverage) ratio | 8.9794% | 3,763 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6311% | 1,757 |
| Memoranda: | ||
| Average total assets | $308,981,000 | 2,414 |
| Average earning assets | $287,969,000 | 2,408 |
| Average equity | $22,383,000 | 2,689 |
| Average total loans | $167,255,500 | 2,568 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 2,777 |
| Cost of funding earning assets | 0.2205% | 3,593 |
| Net interest margin | 3.3885% | 2,296 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.9185% | 1,097 |
| Loan and lease loss provision to assets | -0.0200% | 4,323 |
| Net operating income to assets | 0.5220% | 4,051 |
| Return on assets (ROA) | 0.5220% | 4,005 |
| Pretax return on assets | 0.6836% | 3,881 |
| Return on Equity (ROE) | 8.6600% | 3,213 |
| Retained earnings to average equity (ytd only) | 8.6635% | 1,579 |
| Net charge-offs to loans | -0.1127% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 81.4861% | 624 |
| Assets per employee ($millions) | 5.0438% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1310% | 2,735 |
| Loan loss allowance to noncurrent loans | 92,550.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 3,667 |
| Noncurrent loans to loans | 0.0012% | 3,893 |
| Net loans and leases to total assets | 52.5900% | 3,316 |
| Net loans and leases to deposits | 56.8513% | 3,524 |
| Net loans and leases to core deposits | 59.8763% | 3,513 |
| Total domestic deposits to total assets | 92.5100% | 518 |
| Equity capital to assets | 7.1628% | 3,573 |
| Core capital (leverage) ratio | 8.3450% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7711% | 1,703 |
| Memoranda: | ||
| Average total assets | $312,628,400 | 2,391 |
| Average earning assets | $292,047,800 | 2,377 |
| Average equity | $18,837,600 | 3,050 |
| Average total loans | $141,986,400 | 2,705 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2852% | 3,218 |
| Cost of funding earning assets | 0.1931% | 3,356 |
| Net interest margin | 3.0921% | 2,959 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.8631% | 1,117 |
| Loan and lease loss provision to assets | -0.0300% | 4,434 |
| Net operating income to assets | 0.3590% | 4,307 |
| Return on assets (ROA) | 0.3590% | 4,257 |
| Pretax return on assets | 0.4664% | 4,191 |
| Return on Equity (ROE) | 6.2500% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.2461% | 2,655 |
| Net charge-offs to loans | -0.0566% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 86.6993% | 434 |
| Assets per employee ($millions) | 5.3899% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 2,767 |
| Loan loss allowance to noncurrent loans | 58,300.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.1145% | 2,823 |
| Noncurrent loans to loans | 0.0020% | 3,964 |
| Net loans and leases to total assets | 47.0700% | 3,698 |
| Net loans and leases to deposits | 50.6281% | 3,811 |
| Net loans and leases to core deposits | 51.7305% | 3,868 |
| Total domestic deposits to total assets | 92.9700% | 586 |
| Equity capital to assets | 6.6486% | 3,680 |
| Core capital (leverage) ratio | 7.8399% | 4,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1823% | 1,654 |
| Memoranda: | ||
| Average total assets | $313,867,250 | 2,395 |
| Average earning assets | $293,473,000 | 2,386 |
| Average equity | $18,037,500 | 3,160 |
| Average total loans | $136,567,250 | 2,768 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9778% | 3,611 |
| Cost of funding earning assets | 0.1902% | 3,046 |
| Net interest margin | 2.7876% | 3,482 |
| Noninterest income to average assets | 0.4103% | 2,691 |
| Noninterest expense to average assets | 2.8212% | 1,133 |
| Loan and lease loss provision to assets | -0.0410% | 4,493 |
| Net operating income to assets | 0.1869% | 4,438 |
| Return on assets (ROA) | 0.1869% | 4,399 |
| Pretax return on assets | 0.2374% | 4,367 |
| Return on Equity (ROE) | 3.4348% | 4,149 |
| Retained earnings to average equity (ytd only) | 3.4348% | 3,300 |
| Net charge-offs to loans | -0.0881% | 4,407 |
| Credit loss provision to net charge-offs | 110.3448% | 1,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4889% | 302 |
| Assets per employee ($millions) | 5.7455% | 2,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,441 |
| Loan loss allowance to noncurrent loans | 3,723.4043% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 2,818 |
| Noncurrent loans to loans | 0.0335% | 3,697 |
| Net loans and leases to total assets | 42.3276% | 3,951 |
| Net loans and leases to deposits | 44.6164% | 4,086 |
| Net loans and leases to core deposits | 45.5859% | 4,136 |
| Total domestic deposits to total assets | 94.8701% | 153 |
| Equity capital to assets | 4.8691% | 4,501 |
| Core capital (leverage) ratio | 6.2605% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2223% | 2,401 |
| Memoranda: | ||
| Average total assets | $312,488,000 | 2,426 |
| Average earning assets | $292,295,667 | 2,421 |
| Average equity | $17,002,333 | 3,323 |
| Average total loans | $131,615,333 | 2,827 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7554% | 3,832 |
| Cost of funding earning assets | 0.1907% | 2,932 |
| Net interest margin | 2.5647% | 3,740 |
| Noninterest income to average assets | 0.4040% | 2,662 |
| Noninterest expense to average assets | 2.8460% | 1,068 |
| Loan and lease loss provision to assets | -0.0839% | 4,572 |
| Net operating income to assets | 0.0393% | 4,520 |
| Return on assets (ROA) | 0.0393% | 4,499 |
| Pretax return on assets | 0.0407% | 4,495 |
| Return on Equity (ROE) | 0.6845% | 4,464 |
| Retained earnings to average equity (ytd only) | 0.6845% | 3,882 |
| Net charge-offs to loans | -0.2012% | 4,603 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5442% | 219 |
| Assets per employee ($millions) | 5.6231% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 2,263 |
| Loan loss allowance to noncurrent loans | 873.6318% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 2,445 |
| Noncurrent loans to loans | 0.1509% | 3,051 |
| Net loans and leases to total assets | 41.0093% | 3,948 |
| Net loans and leases to deposits | 43.2323% | 4,104 |
| Net loans and leases to core deposits | 44.1906% | 4,153 |
| Total domestic deposits to total assets | 94.8580% | 48 |
| Equity capital to assets | 4.8856% | 4,732 |
| Core capital (leverage) ratio | 6.5317% | 4,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0371% | 2,596 |
| Memoranda: | ||
| Average total assets | $304,985,500 | 2,477 |
| Average earning assets | $285,257,000 | 2,478 |
| Average equity | $17,530,500 | 3,356 |
| Average total loans | $127,238,000 | 2,878 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 2,642 |
| Cost of funding earning assets | 0.2775% | 2,625 |
| Net interest margin | 3.2285% | 2,522 |
| Noninterest income to average assets | 0.6024% | 2,143 |
| Noninterest expense to average assets | 3.2039% | 722 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1449% | 2,130 |
| Return on assets (ROA) | 1.1449% | 2,182 |
| Pretax return on assets | 0.4195% | 4,371 |
| Return on Equity (ROE) | 15.2164% | 904 |
| Retained earnings to average equity (ytd only) | 15.2164% | 209 |
| Net charge-offs to loans | -0.0340% | 4,168 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4229% | 372 |
| Assets per employee ($millions) | 5.1689% | 3,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4479% | 1,738 |
| Loan loss allowance to noncurrent loans | 848.3092% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 2,407 |
| Noncurrent loans to loans | 0.1707% | 3,095 |
| Net loans and leases to total assets | 41.2923% | 4,013 |
| Net loans and leases to deposits | 44.2955% | 4,161 |
| Net loans and leases to core deposits | 45.4044% | 4,211 |
| Total domestic deposits to total assets | 93.2200% | 38 |
| Equity capital to assets | 6.7029% | 4,762 |
| Core capital (leverage) ratio | 6.9421% | 4,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9823% | 1,848 |
| Memoranda: | ||
| Average total assets | $255,311,000 | 2,689 |
| Average earning assets | $238,902,600 | 2,685 |
| Average equity | $19,209,600 | 3,283 |
| Average total loans | $123,595,600 | 2,919 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 3,017 |
| Cost of funding earning assets | 0.2945% | 2,645 |
| Net interest margin | 3.1342% | 2,949 |
| Noninterest income to average assets | 0.6505% | 2,006 |
| Noninterest expense to average assets | 3.2774% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3707% | 1,628 |
| Return on assets (ROA) | 1.3707% | 1,683 |
| Pretax return on assets | 0.3053% | 4,583 |
| Return on Equity (ROE) | 17.6530% | 672 |
| Retained earnings to average equity (ytd only) | 17.6530% | 212 |
| Net charge-offs to loans | -0.0483% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4794% | 286 |
| Assets per employee ($millions) | 5.0610% | 3,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 1,840 |
| Loan loss allowance to noncurrent loans | 774.4493% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2893% | 2,325 |
| Noncurrent loans to loans | 0.1863% | 3,202 |
| Net loans and leases to total assets | 42.3737% | 4,066 |
| Net loans and leases to deposits | 45.6249% | 4,248 |
| Net loans and leases to core deposits | 46.6299% | 4,298 |
| Total domestic deposits to total assets | 92.8740% | 38 |
| Equity capital to assets | 6.9781% | 4,810 |
| Core capital (leverage) ratio | 7.1146% | 4,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7427% | 2,071 |
| Memoranda: | ||
| Average total assets | $246,774,750 | 2,773 |
| Average earning assets | $230,863,250 | 2,760 |
| Average equity | $19,161,500 | 3,327 |
| Average total loans | $124,174,750 | 2,952 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 1,822 |
| Cost of funding earning assets | 0.3098% | 2,680 |
| Net interest margin | 3.5871% | 1,620 |
| Noninterest income to average assets | 0.4152% | 3,036 |
| Noninterest expense to average assets | 3.3995% | 532 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0754% | 425 |
| Return on assets (ROA) | 2.0754% | 444 |
| Pretax return on assets | 0.3726% | 4,528 |
| Return on Equity (ROE) | 25.6801% | 170 |
| Retained earnings to average equity (ytd only) | 25.6801% | 63 |
| Net charge-offs to loans | 0.0048% | 1,972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 145.6667% | 599 |
| Efficiency ratio | 90.1221% | 341 |
| Assets per employee ($millions) | 4.5842% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3979% | 1,983 |
| Loan loss allowance to noncurrent loans | 743.4783% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 2,223 |
| Noncurrent loans to loans | 0.1880% | 3,292 |
| Net loans and leases to total assets | 46.9859% | 3,825 |
| Net loans and leases to deposits | 50.9244% | 4,052 |
| Net loans and leases to core deposits | 52.1167% | 4,126 |
| Total domestic deposits to total assets | 92.2661% | 84 |
| Equity capital to assets | 7.5972% | 4,707 |
| Core capital (leverage) ratio | 7.6076% | 4,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9940% | 1,633 |
| Memoranda: | ||
| Average total assets | $234,561,667 | 2,849 |
| Average earning assets | $219,508,000 | 2,833 |
| Average equity | $18,956,333 | 3,342 |
| Average total loans | $124,949,333 | 2,957 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 1,415 |
| Cost of funding earning assets | 0.3105% | 2,880 |
| Net interest margin | 3.7799% | 1,182 |
| Noninterest income to average assets | 0.4725% | 2,736 |
| Noninterest expense to average assets | 3.5242% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 4.1381% | 74 |
| Return on assets (ROA) | 4.1381% | 76 |
| Pretax return on assets | 0.4994% | 4,352 |
| Return on Equity (ROE) | 49.4995% | 33 |
| Retained earnings to average equity (ytd only) | 49.4995% | 18 |
| Net charge-offs to loans | 0.0158% | 1,424 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 55.8000% | 856 |
| Efficiency ratio | 87.5890% | 464 |
| Assets per employee ($millions) | 4.3206% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,380 |
| Loan loss allowance to noncurrent loans | 670.1961% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 1,753 |
| Noncurrent loans to loans | 0.1960% | 3,408 |
| Net loans and leases to total assets | 53.0762% | 3,337 |
| Net loans and leases to deposits | 57.7477% | 3,661 |
| Net loans and leases to core deposits | 59.3912% | 3,748 |
| Total domestic deposits to total assets | 91.9105% | 165 |
| Equity capital to assets | 7.9688% | 4,508 |
| Core capital (leverage) ratio | 8.4285% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4090% | 1,194 |
| Memoranda: | ||
| Average total assets | $223,486,000 | 2,905 |
| Average earning assets | $209,952,500 | 2,894 |
| Average equity | $18,683,000 | 3,356 |
| Average total loans | $126,259,500 | 2,946 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6116% | 1,080 |
| Cost of funding earning assets | 0.4011% | 3,570 |
| Net interest margin | 4.2105% | 620 |
| Noninterest income to average assets | 0.4840% | 2,701 |
| Noninterest expense to average assets | 4.3991% | 273 |
| Loan and lease loss provision to assets | -0.0576% | 4,944 |
| Net operating income to assets | 0.0699% | 4,687 |
| Return on assets (ROA) | 0.0969% | 4,708 |
| Pretax return on assets | 0.0969% | 4,706 |
| Return on Equity (ROE) | 0.9170% | 4,684 |
| Retained earnings to average equity (ytd only) | 0.9170% | 4,255 |
| Net charge-offs to loans | -0.1124% | 4,829 |
| Credit loss provision to net charge-offs | 78.4000% | 2,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7204% | 178 |
| Assets per employee ($millions) | 3.8675% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 1,972 |
| Loan loss allowance to noncurrent loans | 320.7865% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.8411% | 1,190 |
| Noncurrent loans to loans | 0.4363% | 2,663 |
| Net loans and leases to total assets | 58.8732% | 2,997 |
| Net loans and leases to deposits | 64.6491% | 3,391 |
| Net loans and leases to core deposits | 66.8469% | 3,478 |
| Total domestic deposits to total assets | 91.0658% | 209 |
| Equity capital to assets | 8.8230% | 4,199 |
| Core capital (leverage) ratio | 9.2155% | 3,419 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,262,600 | 3,193 |
| Average earning assets | $158,815,600 | 3,179 |
| Average equity | $17,992,800 | 3,366 |
| Average total loans | $111,235,800 | 3,084 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 886 |
| Cost of funding earning assets | 0.4302% | 3,641 |
| Net interest margin | 4.3643% | 505 |
| Noninterest income to average assets | 0.4629% | 2,774 |
| Noninterest expense to average assets | 4.6645% | 223 |
| Loan and lease loss provision to assets | -0.0811% | 4,993 |
| Net operating income to assets | -0.0611% | 4,795 |
| Return on assets (ROA) | -0.0231% | 4,802 |
| Pretax return on assets | -0.0231% | 4,795 |
| Return on Equity (ROE) | -0.2078% | 4,802 |
| Retained earnings to average equity (ytd only) | -0.2078% | 4,510 |
| Net charge-offs to loans | 0.0061% | 2,916 |
| Credit loss provision to net charge-offs | -1,960.0000% | 4,068 |
| Earnings coverage of net charge-offs (x) | -34.4000% | 3,224 |
| Efficiency ratio | 103.1381% | 144 |
| Assets per employee ($millions) | 3.6042% | 4,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1872% | 2,737 |
| Loan loss allowance to noncurrent loans | 267.5676% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 1,169 |
| Noncurrent loans to loans | 0.4437% | 2,718 |
| Net loans and leases to total assets | 69.0170% | 2,110 |
| Net loans and leases to deposits | 76.4280% | 2,705 |
| Net loans and leases to core deposits | 78.4905% | 2,971 |
| Total domestic deposits to total assets | 90.3033% | 330 |
| Equity capital to assets | 9.4946% | 3,690 |
| Core capital (leverage) ratio | 9.4808% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $161,584,250 | 3,260 |
| Average earning assets | $150,307,250 | 3,241 |
| Average equity | $17,969,750 | 3,373 |
| Average total loans | $108,447,500 | 3,122 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0540% | 754 |
| Cost of funding earning assets | 0.4588% | 3,750 |
| Net interest margin | 4.5952% | 416 |
| Noninterest income to average assets | 0.4019% | 3,060 |
| Noninterest expense to average assets | 5.0234% | 189 |
| Loan and lease loss provision to assets | -0.1291% | 5,033 |
| Net operating income to assets | -0.2293% | 4,867 |
| Return on assets (ROA) | -0.1687% | 4,855 |
| Pretax return on assets | -0.1687% | 4,840 |
| Return on Equity (ROE) | -1.4290% | 4,859 |
| Retained earnings to average equity (ytd only) | -1.4290% | 4,529 |
| Net charge-offs to loans | 0.0140% | 2,474 |
| Credit loss provision to net charge-offs | -1,400.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | -38.8571% | 3,012 |
| Efficiency ratio | 107.6836% | 124 |
| Assets per employee ($millions) | 3.5422% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,370 |
| Loan loss allowance to noncurrent loans | 232.3054% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 1.0397% | 1,138 |
| Noncurrent loans to loans | 0.5281% | 2,582 |
| Net loans and leases to total assets | 67.8435% | 2,383 |
| Net loans and leases to deposits | 75.2539% | 2,946 |
| Net loans and leases to core deposits | 77.3225% | 3,169 |
| Total domestic deposits to total assets | 90.1528% | 360 |
| Equity capital to assets | 9.6155% | 3,553 |
| Core capital (leverage) ratio | 9.8846% | 2,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,771,000 | 3,341 |
| Average earning assets | $140,799,333 | 3,338 |
| Average equity | $17,914,000 | 3,371 |
| Average total loans | $100,122,333 | 3,232 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 1,970 |
| Cost of funding earning assets | 0.5339% | 3,774 |
| Net interest margin | 4.0757% | 1,190 |
| Noninterest income to average assets | 0.3349% | 3,519 |
| Noninterest expense to average assets | 5.4026% | 181 |
| Loan and lease loss provision to assets | -0.2930% | 5,091 |
| Net operating income to assets | -1.0315% | 4,994 |
| Return on assets (ROA) | -0.8940% | 4,956 |
| Pretax return on assets | -0.8940% | 4,942 |
| Return on Equity (ROE) | -6.7022% | 4,960 |
| Retained earnings to average equity (ytd only) | -6.7022% | 4,629 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.4780% | 79 |
| Assets per employee ($millions) | 2.7175% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8189% | 689 |
| Loan loss allowance to noncurrent loans | 175.0000% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.5682% | 666 |
| Noncurrent loans to loans | 1.0394% | 1,602 |
| Net loans and leases to total assets | 60.6962% | 3,430 |
| Net loans and leases to deposits | 69.6872% | 3,616 |
| Net loans and leases to core deposits | 72.5293% | 3,726 |
| Total domestic deposits to total assets | 87.0981% | 1,520 |
| Equity capital to assets | 12.6168% | 1,665 |
| Core capital (leverage) ratio | 12.9385% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,787,500 | 3,537 |
| Average earning assets | $122,874,000 | 3,537 |
| Average equity | $17,845,000 | 3,387 |
| Average total loans | $85,708,500 | 3,490 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 1,168 |
| Cost of funding earning assets | 0.3966% | 4,450 |
| Net interest margin | 4.7265% | 441 |
| Noninterest income to average assets | 0.6361% | 2,067 |
| Noninterest expense to average assets | 5.2185% | 184 |
| Loan and lease loss provision to assets | 0.5631% | 217 |
| Net operating income to assets | -0.8458% | 5,082 |
| Return on assets (ROA) | -0.6134% | 5,065 |
| Pretax return on assets | -0.6134% | 5,062 |
| Return on Equity (ROE) | -4.6364% | 5,072 |
| Retained earnings to average equity (ytd only) | -4.6364% | 4,970 |
| Net charge-offs to loans | 0.7134% | 233 |
| Credit loss provision to net charge-offs | 122.0000% | 2,080 |
| Earnings coverage of net charge-offs (x) | -0.6127% | 3,647 |
| Efficiency ratio | 105.7293% | 126 |
| Assets per employee ($millions) | 2.3899% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5311% | 1,138 |
| Loan loss allowance to noncurrent loans | 195.2959% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 1.8143% | 479 |
| Noncurrent loans to loans | 0.7840% | 1,939 |
| Net loans and leases to total assets | 65.3466% | 3,033 |
| Net loans and leases to deposits | 76.7405% | 3,113 |
| Net loans and leases to core deposits | 79.5414% | 3,339 |
| Total domestic deposits to total assets | 85.1527% | 2,437 |
| Equity capital to assets | 14.4170% | 959 |
| Core capital (leverage) ratio | 14.6769% | 751 |
| Tier 1 risk-based capital ratio | 19.7894% | 1,354 |
| Total risk-based capital ratio | 21.0415% | 1,324 |
| Memoranda: | ||
| Average total assets | $119,172,200 | 3,717 |
| Average earning assets | $108,409,800 | 3,743 |
| Average equity | $15,766,600 | 3,568 |
| Average total loans | $77,090,600 | 3,650 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1735% | 1,097 |
| Cost of funding earning assets | 0.3703% | 4,597 |
| Net interest margin | 4.8032% | 416 |
| Noninterest income to average assets | 0.6740% | 1,897 |
| Noninterest expense to average assets | 5.0013% | 212 |
| Loan and lease loss provision to assets | 0.7627% | 138 |
| Net operating income to assets | -0.7263% | 5,158 |
| Return on assets (ROA) | -0.4115% | 5,136 |
| Pretax return on assets | -0.4115% | 5,130 |
| Return on Equity (ROE) | -3.1873% | 5,139 |
| Retained earnings to average equity (ytd only) | -3.1873% | 4,999 |
| Net charge-offs to loans | 0.9608% | 153 |
| Credit loss provision to net charge-offs | 123.5727% | 1,904 |
| Earnings coverage of net charge-offs (x) | 0.0589% | 3,378 |
| Efficiency ratio | 99.2780% | 156 |
| Assets per employee ($millions) | 2.3753% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 1,080 |
| Loan loss allowance to noncurrent loans | 134.4075% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 2.1892% | 371 |
| Noncurrent loans to loans | 1.1627% | 1,360 |
| Net loans and leases to total assets | 65.9359% | 3,058 |
| Net loans and leases to deposits | 77.9349% | 3,098 |
| Net loans and leases to core deposits | 79.6818% | 3,413 |
| Total domestic deposits to total assets | 84.6037% | 2,579 |
| Equity capital to assets | 15.1016% | 825 |
| Core capital (leverage) ratio | 15.8282% | 580 |
| Tier 1 risk-based capital ratio | 20.4802% | 1,292 |
| Total risk-based capital ratio | 21.7318% | 1,256 |
| Memoranda: | ||
| Average total assets | $117,299,500 | 3,784 |
| Average earning assets | $106,565,500 | 3,810 |
| Average equity | $15,143,000 | 3,658 |
| Average total loans | $75,349,000 | 3,718 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 1,073 |
| Cost of funding earning assets | 0.3651% | 4,632 |
| Net interest margin | 4.7965% | 407 |
| Noninterest income to average assets | 0.6682% | 1,839 |
| Noninterest expense to average assets | 4.7350% | 258 |
| Loan and lease loss provision to assets | 1.1247% | 84 |
| Net operating income to assets | -0.8366% | 5,213 |
| Return on assets (ROA) | -0.8366% | 5,217 |
| Pretax return on assets | -0.8366% | 5,213 |
| Return on Equity (ROE) | -6.8990% | 5,220 |
| Retained earnings to average equity (ytd only) | -6.8990% | 5,120 |
| Net charge-offs to loans | 1.4790% | 80 |
| Credit loss provision to net charge-offs | 120.2226% | 1,735 |
| Earnings coverage of net charge-offs (x) | 0.3080% | 3,093 |
| Efficiency ratio | 94.2640% | 234 |
| Assets per employee ($millions) | 2.7542% | 5,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 936 |
| Loan loss allowance to noncurrent loans | 117.1717% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 2.5292% | 289 |
| Noncurrent loans to loans | 1.4034% | 1,105 |
| Net loans and leases to total assets | 62.9783% | 3,452 |
| Net loans and leases to deposits | 74.8167% | 3,443 |
| Net loans and leases to core deposits | 76.5356% | 3,679 |
| Total domestic deposits to total assets | 84.1768% | 2,788 |
| Equity capital to assets | 15.5096% | 707 |
| Core capital (leverage) ratio | 15.3068% | 646 |
| Tier 1 risk-based capital ratio | 22.0047% | 1,053 |
| Total risk-based capital ratio | 23.2584% | 1,027 |
| Memoranda: | ||
| Average total assets | $115,227,000 | 3,827 |
| Average earning assets | $104,619,000 | 3,865 |
| Average equity | $13,973,000 | 3,793 |
| Average total loans | $72,887,000 | 3,786 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0348% | 1,250 |
| Cost of funding earning assets | 0.3703% | 4,601 |
| Net interest margin | 4.6644% | 534 |
| Noninterest income to average assets | 0.7733% | 1,358 |
| Noninterest expense to average assets | 4.7644% | 244 |
| Loan and lease loss provision to assets | 0.6557% | 153 |
| Net operating income to assets | -0.4276% | 5,243 |
| Return on assets (ROA) | -0.4276% | 5,239 |
| Pretax return on assets | -0.4276% | 5,234 |
| Return on Equity (ROE) | -4.1515% | 5,256 |
| Retained earnings to average equity (ytd only) | -4.1515% | 4,873 |
| Net charge-offs to loans | 0.1304% | 961 |
| Credit loss provision to net charge-offs | 800.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 2.7826% | 2,461 |
| Efficiency ratio | 95.4318% | 241 |
| Assets per employee ($millions) | 3.1564% | 4,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8187% | 686 |
| Loan loss allowance to noncurrent loans | 137.6166% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 2.6280% | 274 |
| Noncurrent loans to loans | 1.3216% | 1,238 |
| Net loans and leases to total assets | 58.2385% | 3,859 |
| Net loans and leases to deposits | 69.0385% | 3,839 |
| Net loans and leases to core deposits | 70.5961% | 4,047 |
| Total domestic deposits to total assets | 84.3565% | 2,920 |
| Equity capital to assets | 15.3251% | 681 |
| Core capital (leverage) ratio | 16.7271% | 451 |
| Tier 1 risk-based capital ratio | 23.7873% | 859 |
| Total risk-based capital ratio | 25.0436% | 835 |
| Memoranda: | ||
| Average total assets | $112,249,000 | 3,904 |
| Average earning assets | $101,534,000 | 3,947 |
| Average equity | $11,562,000 | 4,121 |
| Average total loans | $70,533,000 | 3,855 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1488% | 770 |
| Cost of funding earning assets | 0.3646% | 4,193 |
| Net interest margin | 4.7842% | 408 |
| Noninterest income to average assets | 0.8418% | 1,332 |
| Noninterest expense to average assets | 4.6874% | 257 |
| Loan and lease loss provision to assets | -0.0429% | 5,182 |
| Net operating income to assets | 0.4783% | 4,710 |
| Return on assets (ROA) | 0.4783% | 4,711 |
| Pretax return on assets | 0.4783% | 4,831 |
| Return on Equity (ROE) | 12.1179% | 1,676 |
| Retained earnings to average equity (ytd only) | 12.1179% | 312 |
| Net charge-offs to loans | 1.1929% | 103 |
| Credit loss provision to net charge-offs | -5.4374% | 4,253 |
| Earnings coverage of net charge-offs (x) | 0.5520% | 3,690 |
| Efficiency ratio | 91.5014% | 293 |
| Assets per employee ($millions) | 2.6818% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,246 |
| Loan loss allowance to noncurrent loans | 66.6971% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 3.7897% | 130 |
| Noncurrent loans to loans | 1.6107% | 910 |
| Net loans and leases to total assets | 66.0557% | 3,126 |
| Net loans and leases to deposits | 69.5924% | 3,858 |
| Net loans and leases to core deposits | 71.2806% | 4,039 |
| Total domestic deposits to total assets | 94.9180% | 7 |
| Equity capital to assets | 4.6787% | 5,397 |
| Core capital (leverage) ratio | 4.8150% | 5,396 |
| Tier 1 risk-based capital ratio | 6.6111% | 5,398 |
| Total risk-based capital ratio | 7.5800% | 5,398 |
| Memoranda: | ||
| Average total assets | $107,265,400 | 3,979 |
| Average earning assets | $95,983,000 | 4,037 |
| Average equity | $4,233,400 | 5,149 |
| Average total loans | $70,922,000 | 3,853 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0851% | 785 |
| Cost of funding earning assets | 0.3552% | 4,146 |
| Net interest margin | 4.7299% | 438 |
| Noninterest income to average assets | 0.9343% | 1,098 |
| Noninterest expense to average assets | 4.6209% | 265 |
| Loan and lease loss provision to assets | -0.0565% | 5,302 |
| Net operating income to assets | 0.6040% | 4,490 |
| Return on assets (ROA) | 0.6040% | 4,501 |
| Pretax return on assets | 0.6040% | 4,723 |
| Return on Equity (ROE) | 16.0005% | 697 |
| Retained earnings to average equity (ytd only) | 16.0005% | 135 |
| Net charge-offs to loans | 1.2395% | 103 |
| Credit loss provision to net charge-offs | -6.9069% | 4,070 |
| Earnings coverage of net charge-offs (x) | 0.6697% | 3,396 |
| Efficiency ratio | 89.4062% | 346 |
| Assets per employee ($millions) | 2.8714% | 5,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 1,856 |
| Loan loss allowance to noncurrent loans | 68.2397% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 4.2921% | 108 |
| Noncurrent loans to loans | 1.9890% | 743 |
| Net loans and leases to total assets | 62.3177% | 3,623 |
| Net loans and leases to deposits | 65.5294% | 4,236 |
| Net loans and leases to core deposits | 66.7995% | 4,367 |
| Total domestic deposits to total assets | 95.0989% | 5 |
| Equity capital to assets | 4.3590% | 5,472 |
| Core capital (leverage) ratio | 4.6392% | 5,471 |
| Tier 1 risk-based capital ratio | 6.6378% | 5,469 |
| Total risk-based capital ratio | 7.8552% | 5,469 |
| Memoranda: | ||
| Average total assets | $108,604,750 | 4,008 |
| Average earning assets | $97,223,500 | 4,056 |
| Average equity | $4,099,750 | 5,231 |
| Average total loans | $71,640,750 | 3,873 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 685 |
| Cost of funding earning assets | 0.3446% | 4,110 |
| Net interest margin | 4.7383% | 403 |
| Noninterest income to average assets | 1.0958% | 804 |
| Noninterest expense to average assets | 4.7227% | 252 |
| Loan and lease loss provision to assets | 0.2739% | 544 |
| Net operating income to assets | 0.3433% | 5,053 |
| Return on assets (ROA) | 0.3433% | 5,054 |
| Pretax return on assets | 0.3433% | 5,113 |
| Return on Equity (ROE) | 9.2993% | 2,895 |
| Retained earnings to average equity (ytd only) | 9.2993% | 1,128 |
| Net charge-offs to loans | 2.3705% | 41 |
| Credit loss provision to net charge-offs | 17.3010% | 2,700 |
| Earnings coverage of net charge-offs (x) | 0.3899% | 3,128 |
| Efficiency ratio | 88.4405% | 438 |
| Assets per employee ($millions) | 2.9855% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 3,822 |
| Loan loss allowance to noncurrent loans | 38.4117% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 4.7971% | 100 |
| Noncurrent loans to loans | 2.6110% | 480 |
| Net loans and leases to total assets | 63.5335% | 3,449 |
| Net loans and leases to deposits | 66.7958% | 4,118 |
| Net loans and leases to core deposits | 68.0418% | 4,251 |
| Total domestic deposits to total assets | 95.1160% | 5 |
| Equity capital to assets | 3.6021% | 5,536 |
| Core capital (leverage) ratio | 3.8334% | 5,537 |
| Tier 1 risk-based capital ratio | 5.3507% | 5,537 |
| Total risk-based capital ratio | 6.2492% | 5,537 |
| Memoranda: | ||
| Average total assets | $109,513,330 | 4,026 |
| Average earning assets | $98,095,000 | 4,078 |
| Average equity | $4,043,330 | 5,294 |
| Average total loans | $73,148,330 | 3,868 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 488 |
| Cost of funding earning assets | 0.3358% | 4,095 |
| Net interest margin | 4.8655% | 298 |
| Noninterest income to average assets | 1.2329% | 610 |
| Noninterest expense to average assets | 4.6051% | 272 |
| Loan and lease loss provision to assets | 0.1101% | 1,701 |
| Net operating income to assets | 0.8770% | 3,380 |
| Return on assets (ROA) | 0.8770% | 3,397 |
| Pretax return on assets | 0.8770% | 3,922 |
| Return on Equity (ROE) | 20.4689% | 221 |
| Retained earnings to average equity (ytd only) | 20.4689% | 94 |
| Net charge-offs to loans | 2.8273% | 37 |
| Credit loss provision to net charge-offs | 5.7143% | 2,186 |
| Earnings coverage of net charge-offs (x) | 0.5124% | 2,633 |
| Efficiency ratio | 82.3491% | 916 |
| Assets per employee ($millions) | 3.0717% | 5,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 2,429 |
| Loan loss allowance to noncurrent loans | 45.9832% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 4.8261% | 101 |
| Noncurrent loans to loans | 2.7511% | 459 |
| Net loans and leases to total assets | 64.0728% | 3,296 |
| Net loans and leases to deposits | 67.3916% | 3,991 |
| Net loans and leases to core deposits | 68.6159% | 4,182 |
| Total domestic deposits to total assets | 95.0753% | 10 |
| Equity capital to assets | 4.1671% | 5,595 |
| Core capital (leverage) ratio | 4.4977% | 5,595 |
| Tier 1 risk-based capital ratio | 5.9406% | 5,599 |
| Total risk-based capital ratio | 7.0766% | 5,598 |
| Memoranda: | ||
| Average total assets | $109,008,500 | 4,080 |
| Average earning assets | $97,668,000 | 4,134 |
| Average equity | $4,670,500 | 5,268 |
| Average total loans | $74,276,500 | 3,875 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 485 |
| Cost of funding earning assets | 0.3526% | 3,691 |
| Net interest margin | 4.8017% | 351 |
| Noninterest income to average assets | 1.1268% | 801 |
| Noninterest expense to average assets | 5.3993% | 175 |
| Loan and lease loss provision to assets | 0.1767% | 1,226 |
| Net operating income to assets | -0.1672% | 5,443 |
| Return on assets (ROA) | -0.1672% | 5,443 |
| Pretax return on assets | -0.1672% | 5,490 |
| Return on Equity (ROE) | -3.6734% | 5,512 |
| Retained earnings to average equity (ytd only) | -3.6734% | 5,384 |
| Net charge-offs to loans | -0.2304% | 5,536 |
| Credit loss provision to net charge-offs | -109.4118% | 4,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8243% | 175 |
| Assets per employee ($millions) | 2.8990% | 5,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9091% | 634 |
| Loan loss allowance to noncurrent loans | 54.2141% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 5.8161% | 70 |
| Noncurrent loans to loans | 3.5214% | 286 |
| Net loans and leases to total assets | 70.3033% | 2,481 |
| Net loans and leases to deposits | 74.1663% | 3,508 |
| Net loans and leases to core deposits | 75.6451% | 3,766 |
| Total domestic deposits to total assets | 94.7914% | 7 |
| Equity capital to assets | 4.4124% | 5,658 |
| Core capital (leverage) ratio | 4.4561% | 5,660 |
| Tier 1 risk-based capital ratio | 5.6961% | 5,664 |
| Total risk-based capital ratio | 6.9529% | 5,664 |
| Memoranda: | ||
| Average total assets | $105,254,800 | 4,151 |
| Average earning assets | $93,862,400 | 4,203 |
| Average equity | $4,791,200 | 5,307 |
| Average total loans | $73,790,400 | 3,878 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 457 |
| Cost of funding earning assets | 0.3530% | 3,634 |
| Net interest margin | 4.8000% | 333 |
| Noninterest income to average assets | 1.1364% | 783 |
| Noninterest expense to average assets | 5.4797% | 180 |
| Loan and lease loss provision to assets | 0.2339% | 773 |
| Net operating income to assets | -0.2971% | 5,603 |
| Return on assets (ROA) | -0.2971% | 5,601 |
| Pretax return on assets | -0.2971% | 5,591 |
| Return on Equity (ROE) | -6.4768% | 5,644 |
| Retained earnings to average equity (ytd only) | -6.4768% | 5,574 |
| Net charge-offs to loans | -0.3390% | 5,620 |
| Credit loss provision to net charge-offs | -98.9305% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1669% | 162 |
| Assets per employee ($millions) | 2.7640% | 5,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9218% | 672 |
| Loan loss allowance to noncurrent loans | 61.1605% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 5.5030% | 83 |
| Noncurrent loans to loans | 3.1422% | 384 |
| Net loans and leases to total assets | 70.1627% | 2,530 |
| Net loans and leases to deposits | 74.0316% | 3,558 |
| Net loans and leases to core deposits | 75.4976% | 3,842 |
| Total domestic deposits to total assets | 94.7740% | 6 |
| Equity capital to assets | 4.3358% | 5,723 |
| Core capital (leverage) ratio | 4.4439% | 5,725 |
| Tier 1 risk-based capital ratio | 5.6549% | 5,728 |
| Total risk-based capital ratio | 6.9115% | 5,727 |
| Memoranda: | ||
| Average total assets | $105,477,250 | 4,188 |
| Average earning assets | $94,052,750 | 4,235 |
| Average equity | $4,837,750 | 5,358 |
| Average total loans | $73,538,000 | 3,918 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1860% | 407 |
| Cost of funding earning assets | 0.3525% | 3,554 |
| Net interest margin | 4.8335% | 298 |
| Noninterest income to average assets | 1.2573% | 661 |
| Noninterest expense to average assets | 5.0234% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5434% | 4,555 |
| Return on assets (ROA) | 0.5434% | 4,591 |
| Pretax return on assets | 0.5434% | 4,922 |
| Return on Equity (ROE) | 11.6375% | 1,411 |
| Retained earnings to average equity (ytd only) | 11.6375% | 357 |
| Net charge-offs to loans | -0.0630% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2381% | 446 |
| Assets per employee ($millions) | 2.8477% | 5,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4855% | 1,627 |
| Loan loss allowance to noncurrent loans | 78.7050% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 4.5916% | 128 |
| Noncurrent loans to loans | 1.8875% | 924 |
| Net loans and leases to total assets | 68.8543% | 2,686 |
| Net loans and leases to deposits | 72.7783% | 3,666 |
| Net loans and leases to core deposits | 74.2197% | 3,926 |
| Total domestic deposits to total assets | 94.6083% | 5 |
| Equity capital to assets | 4.8574% | 5,769 |
| Core capital (leverage) ratio | 4.7570% | 5,771 |
| Tier 1 risk-based capital ratio | 6.4094% | 5,772 |
| Total risk-based capital ratio | 7.6603% | 5,772 |
| Memoranda: | ||
| Average total assets | $105,625,330 | 4,216 |
| Average earning assets | $94,176,330 | 4,263 |
| Average equity | $4,932,330 | 5,377 |
| Average total loans | $73,004,670 | 3,949 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0948% | 447 |
| Cost of funding earning assets | 0.3484% | 3,547 |
| Net interest margin | 4.7463% | 345 |
| Noninterest income to average assets | 1.0515% | 908 |
| Noninterest expense to average assets | 4.7052% | 288 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5711% | 4,276 |
| Return on assets (ROA) | 0.5711% | 4,323 |
| Pretax return on assets | 0.5711% | 4,794 |
| Return on Equity (ROE) | 12.4806% | 1,117 |
| Retained earnings to average equity (ytd only) | 12.4806% | 425 |
| Net charge-offs to loans | 0.0110% | 2,601 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 75.5000% | 683 |
| Efficiency ratio | 89.1756% | 599 |
| Assets per employee ($millions) | 2.9498% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4495% | 1,866 |
| Loan loss allowance to noncurrent loans | 66.9587% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 5.1392% | 108 |
| Noncurrent loans to loans | 2.1648% | 789 |
| Net loans and leases to total assets | 66.6541% | 2,870 |
| Net loans and leases to deposits | 70.1670% | 3,777 |
| Net loans and leases to core deposits | 71.7030% | 4,011 |
| Total domestic deposits to total assets | 94.9936% | 8 |
| Equity capital to assets | 4.5098% | 5,835 |
| Core capital (leverage) ratio | 4.6692% | 5,836 |
| Tier 1 risk-based capital ratio | 6.1670% | 5,840 |
| Total risk-based capital ratio | 7.4185% | 5,840 |
| Memoranda: | ||
| Average total assets | $105,755,000 | 4,253 |
| Average earning assets | $94,136,000 | 4,306 |
| Average equity | $4,839,500 | 5,449 |
| Average total loans | $72,685,500 | 3,985 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 616 |
| Cost of funding earning assets | 0.3609% | 3,404 |
| Net interest margin | 4.6166% | 495 |
| Noninterest income to average assets | 0.8470% | 1,590 |
| Noninterest expense to average assets | 5.3323% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.3840% | 5,758 |
| Return on assets (ROA) | -0.3840% | 5,769 |
| Pretax return on assets | -0.3840% | 5,758 |
| Return on Equity (ROE) | -7.7255% | 5,817 |
| Retained earnings to average equity (ytd only) | -7.7255% | 5,746 |
| Net charge-offs to loans | -0.0407% | 5,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7605% | 142 |
| Assets per employee ($millions) | 2.8436% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 1,677 |
| Loan loss allowance to noncurrent loans | 34.0750% | 5,018 |
| Noncurrent assets plus other real estate owned to assets | 6.9171% | 69 |
| Noncurrent loans to loans | 4.3967% | 214 |
| Net loans and leases to total assets | 68.8509% | 2,641 |
| Net loans and leases to deposits | 72.5758% | 3,652 |
| Net loans and leases to core deposits | 73.5037% | 3,961 |
| Total domestic deposits to total assets | 94.8676% | 11 |
| Equity capital to assets | 4.6469% | 5,885 |
| Core capital (leverage) ratio | 4.6602% | 5,886 |
| Tier 1 risk-based capital ratio | 6.1165% | 5,893 |
| Total risk-based capital ratio | 7.3675% | 5,892 |
| Memoranda: | ||
| Average total assets | $102,600,800 | 4,313 |
| Average earning assets | $91,150,000 | 4,366 |
| Average equity | $5,100,000 | 5,450 |
| Average total loans | $71,305,000 | 4,016 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 557 |
| Cost of funding earning assets | 0.3653% | 3,382 |
| Net interest margin | 4.6705% | 452 |
| Noninterest income to average assets | 0.9065% | 1,386 |
| Noninterest expense to average assets | 5.2769% | 225 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2195% | 5,800 |
| Return on assets (ROA) | -0.2195% | 5,811 |
| Pretax return on assets | -0.2195% | 5,799 |
| Return on Equity (ROE) | -4.3452% | 5,853 |
| Retained earnings to average equity (ytd only) | -4.3452% | 5,710 |
| Net charge-offs to loans | -0.1160% | 5,627 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.3400% | 170 |
| Assets per employee ($millions) | 2.9469% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,579 |
| Loan loss allowance to noncurrent loans | 48.4636% | 4,774 |
| Noncurrent assets plus other real estate owned to assets | 5.8396% | 105 |
| Noncurrent loans to loans | 3.2314% | 438 |
| Net loans and leases to total assets | 67.2794% | 2,908 |
| Net loans and leases to deposits | 71.2751% | 3,858 |
| Net loans and leases to core deposits | 72.1833% | 4,145 |
| Total domestic deposits to total assets | 94.3940% | 16 |
| Equity capital to assets | 4.9253% | 5,951 |
| Core capital (leverage) ratio | 4.9271% | 5,950 |
| Tier 1 risk-based capital ratio | 6.5731% | 5,956 |
| Total risk-based capital ratio | 7.8246% | 5,958 |
| Memoranda: | ||
| Average total assets | $102,658,750 | 4,345 |
| Average earning assets | $91,237,000 | 4,396 |
| Average equity | $5,185,750 | 5,493 |
| Average total loans | $71,242,750 | 4,037 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0894% | 504 |
| Cost of funding earning assets | 0.3731% | 3,327 |
| Net interest margin | 4.7163% | 413 |
| Noninterest income to average assets | 0.9210% | 1,314 |
| Noninterest expense to average assets | 5.2430% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.1288% | 5,825 |
| Return on assets (ROA) | -0.1288% | 5,844 |
| Pretax return on assets | -0.1288% | 5,842 |
| Return on Equity (ROE) | -2.5283% | 5,882 |
| Retained earnings to average equity (ytd only) | -2.5283% | 5,584 |
| Net charge-offs to loans | -0.1846% | 5,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5181% | 212 |
| Assets per employee ($millions) | 2.8632% | 5,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 1,550 |
| Loan loss allowance to noncurrent loans | 26.6859% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 7.1908% | 75 |
| Noncurrent loans to loans | 5.9672% | 123 |
| Net loans and leases to total assets | 66.4287% | 3,021 |
| Net loans and leases to deposits | 70.4126% | 3,948 |
| Net loans and leases to core deposits | 71.3153% | 4,230 |
| Total domestic deposits to total assets | 94.3420% | 16 |
| Equity capital to assets | 5.0322% | 6,032 |
| Core capital (leverage) ratio | 4.8368% | 6,029 |
| Tier 1 risk-based capital ratio | 6.8015% | 6,033 |
| Total risk-based capital ratio | 8.0547% | 6,033 |
| Memoranda: | ||
| Average total assets | $102,498,330 | 4,380 |
| Average earning assets | $91,130,330 | 4,437 |
| Average equity | $5,221,000 | 5,540 |
| Average total loans | $71,491,670 | 4,055 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2944% | 361 |
| Cost of funding earning assets | 0.3656% | 3,450 |
| Net interest margin | 4.9288% | 298 |
| Noninterest income to average assets | 0.9432% | 1,199 |
| Noninterest expense to average assets | 4.9819% | 276 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3405% | 5,177 |
| Return on assets (ROA) | 0.3405% | 5,265 |
| Pretax return on assets | 0.3405% | 5,428 |
| Return on Equity (ROE) | 6.6438% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.6438% | 2,063 |
| Net charge-offs to loans | -0.0828% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6029% | 470 |
| Assets per employee ($millions) | 2.9864% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4524% | 2,187 |
| Loan loss allowance to noncurrent loans | 32.3053% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 6.1268% | 115 |
| Noncurrent loans to loans | 4.4959% | 239 |
| Net loans and leases to total assets | 66.7702% | 2,846 |
| Net loans and leases to deposits | 72.7603% | 3,574 |
| Net loans and leases to core deposits | 73.6826% | 3,924 |
| Total domestic deposits to total assets | 91.7674% | 130 |
| Equity capital to assets | 4.9371% | 6,091 |
| Core capital (leverage) ratio | 5.1148% | 6,087 |
| Tier 1 risk-based capital ratio | 6.7059% | 6,095 |
| Total risk-based capital ratio | 7.9565% | 6,094 |
| Memoranda: | ||
| Average total assets | $102,209,500 | 4,425 |
| Average earning assets | $90,813,000 | 4,484 |
| Average equity | $5,238,000 | 5,570 |
| Average total loans | $72,447,500 | 4,057 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 456 |
| Cost of funding earning assets | 0.3658% | 3,525 |
| Net interest margin | 4.7942% | 378 |
| Noninterest income to average assets | 1.2095% | 815 |
| Noninterest expense to average assets | 5.4135% | 216 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0156% | 5,876 |
| Return on assets (ROA) | -0.0156% | 5,904 |
| Pretax return on assets | -0.0156% | 5,894 |
| Return on Equity (ROE) | -0.2923% | 5,907 |
| Retained earnings to average equity (ytd only) | -0.2923% | 5,550 |
| Net charge-offs to loans | 1.7609% | 78 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.0125% | 4,270 |
| Efficiency ratio | 100.2892% | 277 |
| Assets per employee ($millions) | 2.6919% | 5,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 2,217 |
| Loan loss allowance to noncurrent loans | 33.4617% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 6.6837% | 113 |
| Noncurrent loans to loans | 4.3261% | 256 |
| Net loans and leases to total assets | 73.2744% | 1,843 |
| Net loans and leases to deposits | 80.4997% | 2,767 |
| Net loans and leases to core deposits | 81.6456% | 3,187 |
| Total domestic deposits to total assets | 91.0244% | 272 |
| Equity capital to assets | 5.3329% | 6,138 |
| Core capital (leverage) ratio | 5.2830% | 6,142 |
| Tier 1 risk-based capital ratio | 6.6648% | 6,152 |
| Total risk-based capital ratio | 7.9156% | 6,150 |
| Memoranda: | ||
| Average total assets | $96,074,000 | 4,536 |
| Average earning assets | $83,934,200 | 4,634 |
| Average equity | $5,131,000 | 5,628 |
| Average total loans | $67,919,000 | 4,144 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 499 |
| Cost of funding earning assets | 0.3638% | 3,614 |
| Net interest margin | 4.7568% | 412 |
| Noninterest income to average assets | 1.2100% | 823 |
| Noninterest expense to average assets | 5.4005% | 220 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0445% | 5,965 |
| Return on assets (ROA) | -0.0445% | 5,995 |
| Pretax return on assets | -0.0445% | 5,992 |
| Return on Equity (ROE) | -0.8331% | 6,019 |
| Retained earnings to average equity (ytd only) | -0.8331% | 5,742 |
| Net charge-offs to loans | 0.5821% | 384 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.1096% | 3,999 |
| Efficiency ratio | 100.8310% | 282 |
| Assets per employee ($millions) | 2.6274% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7819% | 307 |
| Loan loss allowance to noncurrent loans | 61.4002% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 7.5310% | 92 |
| Noncurrent loans to loans | 4.5308% | 239 |
| Net loans and leases to total assets | 69.9914% | 2,385 |
| Net loans and leases to deposits | 76.9527% | 3,202 |
| Net loans and leases to core deposits | 78.0463% | 3,605 |
| Total domestic deposits to total assets | 90.9538% | 251 |
| Equity capital to assets | 5.3183% | 6,220 |
| Core capital (leverage) ratio | 5.2728% | 6,224 |
| Tier 1 risk-based capital ratio | 6.7505% | 6,241 |
| Total risk-based capital ratio | 8.0164% | 6,240 |
| Memoranda: | ||
| Average total assets | $95,865,750 | 4,596 |
| Average earning assets | $83,554,750 | 4,706 |
| Average equity | $5,121,750 | 5,699 |
| Average total loans | $66,886,000 | 4,213 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0928% | 513 |
| Cost of funding earning assets | 0.3609% | 3,689 |
| Net interest margin | 4.7319% | 418 |
| Noninterest income to average assets | 1.1528% | 902 |
| Noninterest expense to average assets | 5.4665% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1907% | 6,096 |
| Return on assets (ROA) | -0.1907% | 6,122 |
| Pretax return on assets | -0.1907% | 6,105 |
| Return on Equity (ROE) | -3.5647% | 6,167 |
| Retained earnings to average equity (ytd only) | -3.5647% | 5,949 |
| Net charge-offs to loans | 0.4191% | 615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.6594% | 3,756 |
| Efficiency ratio | 103.6154% | 260 |
| Assets per employee ($millions) | 2.6269% | 5,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0986% | 247 |
| Loan loss allowance to noncurrent loans | 39.0335% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 8.3338% | 81 |
| Noncurrent loans to loans | 7.9383% | 88 |
| Net loans and leases to total assets | 65.7894% | 2,988 |
| Net loans and leases to deposits | 72.0763% | 3,715 |
| Net loans and leases to core deposits | 73.0731% | 4,036 |
| Total domestic deposits to total assets | 91.2776% | 238 |
| Equity capital to assets | 5.0690% | 6,297 |
| Core capital (leverage) ratio | 5.1596% | 6,295 |
| Tier 1 risk-based capital ratio | 6.8662% | 6,311 |
| Total risk-based capital ratio | 8.1349% | 6,310 |
| Memoranda: | ||
| Average total assets | $95,417,000 | 4,647 |
| Average earning assets | $83,137,000 | 4,758 |
| Average equity | $5,105,670 | 5,755 |
| Average total loans | $65,852,330 | 4,278 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 929 |
| Cost of funding earning assets | 0.3679% | 3,669 |
| Net interest margin | 4.3901% | 751 |
| Noninterest income to average assets | 1.0041% | 1,114 |
| Noninterest expense to average assets | 5.5485% | 220 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.7553% | 6,286 |
| Return on assets (ROA) | -0.7553% | 6,293 |
| Pretax return on assets | -0.7553% | 6,281 |
| Return on Equity (ROE) | -13.7272% | 6,341 |
| Retained earnings to average equity (ytd only) | -13.7272% | 6,210 |
| Net charge-offs to loans | 0.8938% | 271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -1.2138% | 3,184 |
| Efficiency ratio | 115.7565% | 154 |
| Assets per employee ($millions) | 2.6217% | 6,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2015% | 247 |
| Loan loss allowance to noncurrent loans | 26.9231% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 12.2727% | 48 |
| Noncurrent loans to loans | 11.8914% | 41 |
| Net loans and leases to total assets | 65.2365% | 2,892 |
| Net loans and leases to deposits | 71.6314% | 3,568 |
| Net loans and leases to core deposits | 72.4241% | 3,924 |
| Total domestic deposits to total assets | 91.0725% | 342 |
| Equity capital to assets | 5.2317% | 6,362 |
| Core capital (leverage) ratio | 5.3023% | 6,357 |
| Tier 1 risk-based capital ratio | 6.8634% | 6,379 |
| Total risk-based capital ratio | 8.1328% | 6,379 |
| Memoranda: | ||
| Average total assets | $93,214,000 | 4,746 |
| Average earning assets | $80,453,500 | 4,855 |
| Average equity | $5,128,500 | 5,801 |
| Average total loans | $64,892,000 | 4,337 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 652 |
| Cost of funding earning assets | 0.4010% | 3,678 |
| Net interest margin | 4.6883% | 532 |
| Noninterest income to average assets | 0.7267% | 2,177 |
| Noninterest expense to average assets | 4.6902% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0596% | 6,011 |
| Return on assets (ROA) | 0.0596% | 6,035 |
| Pretax return on assets | 0.0596% | 6,036 |
| Return on Equity (ROE) | 1.1203% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.1203% | 5,272 |
| Net charge-offs to loans | 0.9816% | 308 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.0857% | 4,699 |
| Efficiency ratio | 98.7462% | 398 |
| Assets per employee ($millions) | 2.4840% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4747% | 188 |
| Loan loss allowance to noncurrent loans | 27.7874% | 5,701 |
| Noncurrent assets plus other real estate owned to assets | 14.3865% | 38 |
| Noncurrent loans to loans | 12.5045% | 41 |
| Net loans and leases to total assets | 69.5238% | 2,304 |
| Net loans and leases to deposits | 77.0454% | 3,080 |
| Net loans and leases to core deposits | 77.9828% | 3,521 |
| Total domestic deposits to total assets | 90.2375% | 638 |
| Equity capital to assets | 5.7949% | 6,424 |
| Core capital (leverage) ratio | 5.9290% | 6,409 |
| Tier 1 risk-based capital ratio | 7.4285% | 6,460 |
| Total risk-based capital ratio | 8.7024% | 6,460 |
| Memoranda: | ||
| Average total assets | $90,679,400 | 4,824 |
| Average earning assets | $77,811,400 | 4,928 |
| Average equity | $4,820,000 | 5,905 |
| Average total loans | $64,180,800 | 4,357 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 1,121 |
| Cost of funding earning assets | 0.4112% | 3,666 |
| Net interest margin | 4.3801% | 909 |
| Noninterest income to average assets | 0.8455% | 1,720 |
| Noninterest expense to average assets | 4.6083% | 415 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0015% | 6,142 |
| Return on assets (ROA) | -0.0015% | 6,155 |
| Pretax return on assets | -0.0015% | 6,146 |
| Return on Equity (ROE) | -0.0281% | 6,158 |
| Retained earnings to average equity (ytd only) | -0.0281% | 5,799 |
| Net charge-offs to loans | 1.2184% | 222 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.0017% | 4,454 |
| Efficiency ratio | 100.0318% | 361 |
| Assets per employee ($millions) | 2.4005% | 6,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5372% | 221 |
| Loan loss allowance to noncurrent loans | 23.1018% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 17.0696% | 23 |
| Noncurrent loans to loans | 15.3112% | 31 |
| Net loans and leases to total assets | 72.0148% | 1,849 |
| Net loans and leases to deposits | 77.1643% | 3,053 |
| Net loans and leases to core deposits | 78.3534% | 3,502 |
| Total domestic deposits to total assets | 93.3265% | 64 |
| Equity capital to assets | 5.8021% | 6,495 |
| Core capital (leverage) ratio | 5.7911% | 6,493 |
| Tier 1 risk-based capital ratio | 7.3561% | 6,528 |
| Total risk-based capital ratio | 8.6310% | 6,526 |
| Memoranda: | ||
| Average total assets | $90,993,250 | 4,871 |
| Average earning assets | $78,139,500 | 4,977 |
| Average equity | $4,729,500 | 5,985 |
| Average total loans | $64,123,750 | 4,396 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7449% | 1,193 |
| Cost of funding earning assets | 0.4190% | 3,674 |
| Net interest margin | 4.3259% | 977 |
| Noninterest income to average assets | 0.8496% | 1,664 |
| Noninterest expense to average assets | 4.3732% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2032% | 5,827 |
| Return on assets (ROA) | 0.2032% | 5,886 |
| Pretax return on assets | 0.2032% | 5,944 |
| Return on Equity (ROE) | 4.0564% | 5,119 |
| Retained earnings to average equity (ytd only) | 4.0564% | 3,595 |
| Net charge-offs to loans | -0.2188% | 6,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5598% | 578 |
| Assets per employee ($millions) | 2.5298% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4735% | 120 |
| Loan loss allowance to noncurrent loans | 25.5723% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 17.6006% | 19 |
| Noncurrent loans to loans | 17.4935% | 20 |
| Net loans and leases to total assets | 68.8891% | 2,261 |
| Net loans and leases to deposits | 73.4138% | 3,401 |
| Net loans and leases to core deposits | 74.4850% | 3,786 |
| Total domestic deposits to total assets | 93.8367% | 53 |
| Equity capital to assets | 5.4298% | 6,566 |
| Core capital (leverage) ratio | 5.6368% | 6,558 |
| Tier 1 risk-based capital ratio | 7.0913% | 6,595 |
| Total risk-based capital ratio | 8.3761% | 6,594 |
| Memoranda: | ||
| Average total assets | $92,518,670 | 4,855 |
| Average earning assets | $79,706,330 | 4,989 |
| Average equity | $4,634,670 | 6,048 |
| Average total loans | $63,993,330 | 4,422 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6697% | 1,325 |
| Cost of funding earning assets | 0.4331% | 3,614 |
| Net interest margin | 4.2366% | 1,127 |
| Noninterest income to average assets | 0.7808% | 1,838 |
| Noninterest expense to average assets | 4.2470% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1845% | 5,844 |
| Return on assets (ROA) | 0.1845% | 5,887 |
| Pretax return on assets | 0.1845% | 5,940 |
| Return on Equity (ROE) | 3.8397% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.8397% | 3,825 |
| Net charge-offs to loans | 0.0253% | 3,065 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.7500% | 1,836 |
| Efficiency ratio | 95.8374% | 652 |
| Assets per employee ($millions) | 2.6037% | 6,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5938% | 121 |
| Loan loss allowance to noncurrent loans | 25.0503% | 5,972 |
| Noncurrent assets plus other real estate owned to assets | 17.7081% | 27 |
| Noncurrent loans to loans | 18.3382% | 23 |
| Net loans and leases to total assets | 65.2950% | 2,676 |
| Net loans and leases to deposits | 69.2641% | 3,695 |
| Net loans and leases to core deposits | 70.2694% | 4,056 |
| Total domestic deposits to total assets | 94.2696% | 56 |
| Equity capital to assets | 4.9974% | 6,638 |
| Core capital (leverage) ratio | 5.1133% | 6,641 |
| Tier 1 risk-based capital ratio | 6.9544% | 6,654 |
| Total risk-based capital ratio | 8.2399% | 6,652 |
| Memoranda: | ||
| Average total assets | $93,242,500 | 4,892 |
| Average earning assets | $80,347,500 | 5,018 |
| Average equity | $4,479,500 | 6,140 |
| Average total loans | $63,152,000 | 4,489 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8418% | 1,224 |
| Cost of funding earning assets | 0.5970% | 2,688 |
| Net interest margin | 4.2448% | 1,235 |
| Noninterest income to average assets | 0.2456% | 5,585 |
| Noninterest expense to average assets | 3.8404% | 1,074 |
| Loan and lease loss provision to assets | 1.2154% | 130 |
| Net operating income to assets | -1.1276% | 6,628 |
| Return on assets (ROA) | -1.1276% | 6,626 |
| Pretax return on assets | -1.1276% | 6,616 |
| Return on Equity (ROE) | -24.1414% | 6,703 |
| Retained earnings to average equity (ytd only) | -24.1414% | 6,694 |
| Net charge-offs to loans | 1.0367% | 547 |
| Credit loss provision to net charge-offs | 168.7671% | 1,351 |
| Earnings coverage of net charge-offs (x) | 0.1219% | 5,041 |
| Efficiency ratio | 97.7649% | 552 |
| Assets per employee ($millions) | 2.8046% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4857% | 137 |
| Loan loss allowance to noncurrent loans | 24.4044% | 6,090 |
| Noncurrent assets plus other real estate owned to assets | 17.1209% | 29 |
| Noncurrent loans to loans | 18.3806% | 24 |
| Net loans and leases to total assets | 64.0425% | 3,038 |
| Net loans and leases to deposits | 67.6740% | 4,095 |
| Net loans and leases to core deposits | 70.8046% | 4,210 |
| Total domestic deposits to total assets | 94.6338% | 59 |
| Equity capital to assets | 4.6195% | 6,712 |
| Core capital (leverage) ratio | 5.0051% | 6,713 |
| Tier 1 risk-based capital ratio | 6.7960% | 6,738 |
| Total risk-based capital ratio | 8.0808% | 6,738 |
| Memoranda: | ||
| Average total assets | $101,369,000 | 4,707 |
| Average earning assets | $87,942,200 | 4,833 |
| Average equity | $4,734,600 | 6,133 |
| Average total loans | $70,414,200 | 4,254 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 1,099 |
| Cost of funding earning assets | 0.6273% | 2,576 |
| Net interest margin | 4.2837% | 1,134 |
| Noninterest income to average assets | 0.2411% | 5,710 |
| Noninterest expense to average assets | 3.4424% | 1,733 |
| Loan and lease loss provision to assets | 0.6571% | 337 |
| Net operating income to assets | -0.1413% | 6,427 |
| Return on assets (ROA) | -0.1413% | 6,456 |
| Pretax return on assets | -0.1413% | 6,434 |
| Return on Equity (ROE) | -3.0170% | 6,522 |
| Retained earnings to average equity (ytd only) | -3.0170% | 6,355 |
| Net charge-offs to loans | 0.5923% | 1,057 |
| Credit loss provision to net charge-offs | 158.4375% | 1,490 |
| Earnings coverage of net charge-offs (x) | 1.2437% | 4,427 |
| Efficiency ratio | 86.9679% | 1,261 |
| Assets per employee ($millions) | 2.8640% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7474% | 279 |
| Loan loss allowance to noncurrent loans | 21.1639% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 16.6550% | 38 |
| Noncurrent loans to loans | 17.7066% | 29 |
| Net loans and leases to total assets | 69.3817% | 2,070 |
| Net loans and leases to deposits | 74.3604% | 3,184 |
| Net loans and leases to core deposits | 78.1154% | 3,348 |
| Total domestic deposits to total assets | 93.3046% | 103 |
| Equity capital to assets | 5.8363% | 6,711 |
| Core capital (leverage) ratio | 6.0724% | 6,710 |
| Tier 1 risk-based capital ratio | 7.8669% | 6,771 |
| Total risk-based capital ratio | 9.1440% | 6,772 |
| Memoranda: | ||
| Average total assets | $102,872,000 | 4,716 |
| Average earning assets | $89,265,250 | 4,840 |
| Average equity | $4,817,000 | 6,186 |
| Average total loans | $72,033,500 | 4,228 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8828% | 1,133 |
| Cost of funding earning assets | 0.6669% | 2,341 |
| Net interest margin | 4.2158% | 1,237 |
| Noninterest income to average assets | 0.1041% | 6,517 |
| Noninterest expense to average assets | 3.0419% | 2,868 |
| Loan and lease loss provision to assets | 0.2972% | 1,220 |
| Net operating income to assets | 0.4145% | 5,163 |
| Return on assets (ROA) | 0.4145% | 5,325 |
| Pretax return on assets | 0.4145% | 5,611 |
| Return on Equity (ROE) | 9.5550% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.5550% | 950 |
| Net charge-offs to loans | 0.5673% | 1,162 |
| Credit loss provision to net charge-offs | 75.4808% | 2,712 |
| Earnings coverage of net charge-offs (x) | 1.8077% | 3,928 |
| Efficiency ratio | 81.0388% | 2,022 |
| Assets per employee ($millions) | 3.0114% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3215% | 428 |
| Loan loss allowance to noncurrent loans | 17.8751% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 18.1726% | 29 |
| Noncurrent loans to loans | 18.5819% | 26 |
| Net loans and leases to total assets | 67.8058% | 2,284 |
| Net loans and leases to deposits | 72.8021% | 3,335 |
| Net loans and leases to core deposits | 76.2991% | 3,511 |
| Total domestic deposits to total assets | 93.1371% | 115 |
| Equity capital to assets | 6.0055% | 6,743 |
| Core capital (leverage) ratio | 5.9296% | 6,761 |
| Tier 1 risk-based capital ratio | 8.0276% | 6,803 |
| Total risk-based capital ratio | 9.2993% | 6,805 |
| Memoranda: | ||
| Average total assets | $105,658,670 | 4,683 |
| Average earning assets | $91,464,670 | 4,805 |
| Average equity | $4,584,000 | 6,308 |
| Average total loans | $73,335,670 | 4,198 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8995% | 1,084 |
| Cost of funding earning assets | 0.7309% | 1,991 |
| Net interest margin | 4.1686% | 1,281 |
| Noninterest income to average assets | -0.3309% | 6,972 |
| Noninterest expense to average assets | 1.9412% | 6,208 |
| Loan and lease loss provision to assets | 0.5772% | 442 |
| Net operating income to assets | 0.7573% | 3,392 |
| Return on assets (ROA) | 0.7573% | 3,531 |
| Pretax return on assets | 0.7573% | 4,340 |
| Return on Equity (ROE) | 21.1716% | 227 |
| Retained earnings to average equity (ytd only) | 21.1716% | 109 |
| Net charge-offs to loans | 0.9633% | 635 |
| Credit loss provision to net charge-offs | 86.7403% | 2,071 |
| Earnings coverage of net charge-offs (x) | 2.0055% | 3,163 |
| Efficiency ratio | 59.2593% | 5,690 |
| Assets per employee ($millions) | 3.2534% | 5,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2419% | 524 |
| Loan loss allowance to noncurrent loans | 17.1991% | 6,405 |
| Noncurrent assets plus other real estate owned to assets | 17.4080% | 51 |
| Noncurrent loans to loans | 18.8494% | 33 |
| Net loans and leases to total assets | 63.1907% | 2,853 |
| Net loans and leases to deposits | 69.3752% | 3,593 |
| Net loans and leases to core deposits | 72.7243% | 3,736 |
| Total domestic deposits to total assets | 91.0854% | 495 |
| Equity capital to assets | 4.6187% | 6,914 |
| Core capital (leverage) ratio | 4.6532% | 6,898 |
| Tier 1 risk-based capital ratio | 6.3852% | 6,920 |
| Total risk-based capital ratio | 7.6557% | 6,922 |
| Memoranda: | ||
| Average total assets | $108,800,500 | 4,639 |
| Average earning assets | $94,132,000 | 4,798 |
| Average equity | $3,892,000 | 6,540 |
| Average total loans | $75,155,000 | 4,160 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5840% | 528 |
| Cost of funding earning assets | 0.9763% | 1,486 |
| Net interest margin | 4.6077% | 770 |
| Noninterest income to average assets | 0.3265% | 5,120 |
| Noninterest expense to average assets | 4.0626% | 909 |
| Loan and lease loss provision to assets | 0.8480% | 555 |
| Net operating income to assets | -0.5860% | 6,610 |
| Return on assets (ROA) | -0.5546% | 6,627 |
| Pretax return on assets | -0.5546% | 6,597 |
| Return on Equity (ROE) | -21.3658% | 6,898 |
| Retained earnings to average equity (ytd only) | -21.3658% | 6,869 |
| Net charge-offs to loans | 2.2036% | 309 |
| Credit loss provision to net charge-offs | 52.1413% | 4,641 |
| Earnings coverage of net charge-offs (x) | 0.1611% | 5,409 |
| Efficiency ratio | 93.9400% | 804 |
| Assets per employee ($millions) | 3.1466% | 5,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0307% | 642 |
| Loan loss allowance to noncurrent loans | 16.6479% | 6,456 |
| Noncurrent assets plus other real estate owned to assets | 18.7409% | 33 |
| Noncurrent loans to loans | 18.2044% | 42 |
| Net loans and leases to total assets | 70.7604% | 1,689 |
| Net loans and leases to deposits | 76.2459% | 2,767 |
| Net loans and leases to core deposits | 82.0549% | 2,763 |
| Total domestic deposits to total assets | 92.8055% | 153 |
| Equity capital to assets | 2.5004% | 7,050 |
| Core capital (leverage) ratio | 2.3894% | 7,049 |
| Tier 1 risk-based capital ratio | 3.0534% | 7,055 |
| Total risk-based capital ratio | 4.3231% | 7,055 |
| Memoranda: | ||
| Average total assets | $114,852,400 | 4,466 |
| Average earning assets | $99,660,000 | 4,600 |
| Average equity | $2,981,400 | 6,786 |
| Average total loans | $84,771,600 | 3,882 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3301% | 957 |
| Cost of funding earning assets | 1.0056% | 1,524 |
| Net interest margin | 4.3245% | 1,411 |
| Noninterest income to average assets | 0.8457% | 2,053 |
| Noninterest expense to average assets | 3.9890% | 948 |
| Loan and lease loss provision to assets | 0.9621% | 440 |
| Net operating income to assets | -0.3458% | 6,611 |
| Return on assets (ROA) | -0.3047% | 6,634 |
| Pretax return on assets | -0.3047% | 6,603 |
| Return on Equity (ROE) | -11.6413% | 6,889 |
| Retained earnings to average equity (ytd only) | -11.6413% | 6,853 |
| Net charge-offs to loans | 1.8338% | 423 |
| Credit loss provision to net charge-offs | 70.8999% | 3,881 |
| Earnings coverage of net charge-offs (x) | 0.4542% | 5,094 |
| Efficiency ratio | 86.6171% | 1,333 |
| Assets per employee ($millions) | 3.1950% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5730% | 436 |
| Loan loss allowance to noncurrent loans | 14.1237% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 24.4323% | 15 |
| Noncurrent loans to loans | 25.2979% | 17 |
| Net loans and leases to total assets | 72.4186% | 1,482 |
| Net loans and leases to deposits | 78.1105% | 2,648 |
| Net loans and leases to core deposits | 83.8957% | 2,713 |
| Total domestic deposits to total assets | 92.7129% | 135 |
| Equity capital to assets | 2.8132% | 7,139 |
| Core capital (leverage) ratio | 2.6460% | 7,141 |
| Tier 1 risk-based capital ratio | 3.3853% | 7,150 |
| Total risk-based capital ratio | 4.6606% | 7,151 |
| Memoranda: | ||
| Average total assets | $116,819,250 | 4,465 |
| Average earning assets | $101,559,250 | 4,605 |
| Average equity | $3,058,000 | 6,860 |
| Average total loans | $86,447,250 | 3,876 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4831% | 746 |
| Cost of funding earning assets | 1.0352% | 1,547 |
| Net interest margin | 4.4480% | 1,084 |
| Noninterest income to average assets | 0.7277% | 2,521 |
| Noninterest expense to average assets | 3.9331% | 1,033 |
| Loan and lease loss provision to assets | 1.4103% | 266 |
| Net operating income to assets | -0.7411% | 6,837 |
| Return on assets (ROA) | -0.6809% | 6,848 |
| Pretax return on assets | -0.6809% | 6,816 |
| Return on Equity (ROE) | -26.6129% | 7,081 |
| Retained earnings to average equity (ytd only) | -26.6129% | 7,069 |
| Net charge-offs to loans | 1.7600% | 503 |
| Credit loss provision to net charge-offs | 108.7742% | 2,504 |
| Earnings coverage of net charge-offs (x) | 0.5161% | 4,812 |
| Efficiency ratio | 85.4598% | 1,484 |
| Assets per employee ($millions) | 3.3805% | 5,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9862% | 349 |
| Loan loss allowance to noncurrent loans | 17.4753% | 6,587 |
| Noncurrent assets plus other real estate owned to assets | 22.0458% | 29 |
| Noncurrent loans to loans | 22.8105% | 28 |
| Net loans and leases to total assets | 69.7419% | 1,968 |
| Net loans and leases to deposits | 74.8131% | 3,152 |
| Net loans and leases to core deposits | 80.0807% | 3,208 |
| Total domestic deposits to total assets | 93.2216% | 112 |
| Equity capital to assets | 2.5109% | 7,201 |
| Core capital (leverage) ratio | 2.3891% | 7,203 |
| Tier 1 risk-based capital ratio | 3.1559% | 7,209 |
| Total risk-based capital ratio | 4.4371% | 7,209 |
| Memoranda: | ||
| Average total assets | $119,548,670 | 4,432 |
| Average earning assets | $104,137,330 | 4,567 |
| Average equity | $3,058,670 | 6,899 |
| Average total loans | $88,068,330 | 3,852 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3540% | 1,000 |
| Cost of funding earning assets | 1.1776% | 1,075 |
| Net interest margin | 4.1763% | 1,830 |
| Noninterest income to average assets | 0.5515% | 3,557 |
| Noninterest expense to average assets | 3.7914% | 1,224 |
| Loan and lease loss provision to assets | 1.4969% | 230 |
| Net operating income to assets | -1.0931% | 7,014 |
| Return on assets (ROA) | -0.9749% | 7,007 |
| Pretax return on assets | -0.9749% | 6,972 |
| Return on Equity (ROE) | -37.7742% | 7,193 |
| Retained earnings to average equity (ytd only) | -37.7742% | 7,175 |
| Net charge-offs to loans | 1.4343% | 698 |
| Credit loss provision to net charge-offs | 140.7407% | 1,749 |
| Earnings coverage of net charge-offs (x) | 0.3796% | 4,170 |
| Efficiency ratio | 90.3756% | 1,063 |
| Assets per employee ($millions) | 3.4315% | 5,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8528% | 416 |
| Loan loss allowance to noncurrent loans | 17.4161% | 6,629 |
| Noncurrent assets plus other real estate owned to assets | 21.3690% | 40 |
| Noncurrent loans to loans | 22.1223% | 33 |
| Net loans and leases to total assets | 70.4989% | 1,668 |
| Net loans and leases to deposits | 75.4323% | 2,900 |
| Net loans and leases to core deposits | 80.4875% | 3,011 |
| Total domestic deposits to total assets | 93.4598% | 116 |
| Equity capital to assets | 2.4645% | 7,258 |
| Core capital (leverage) ratio | 2.3693% | 7,261 |
| Tier 1 risk-based capital ratio | 3.1139% | 7,273 |
| Total risk-based capital ratio | 4.3934% | 7,274 |
| Memoranda: | ||
| Average total assets | $121,854,000 | 4,412 |
| Average earning assets | $106,313,500 | 4,538 |
| Average equity | $3,145,000 | 6,931 |
| Average total loans | $90,358,500 | 3,819 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7493% | 4,035 |
| Cost of funding earning assets | 1.3149% | 1,414 |
| Net interest margin | 3.4343% | 5,386 |
| Noninterest income to average assets | -0.4037% | 7,237 |
| Noninterest expense to average assets | 3.4346% | 2,151 |
| Loan and lease loss provision to assets | 1.7043% | 397 |
| Net operating income to assets | -2.5644% | 7,126 |
| Return on assets (ROA) | -2.4561% | 7,115 |
| Pretax return on assets | -2.4561% | 7,114 |
| Return on Equity (ROE) | -67.6385% | 7,265 |
| Retained earnings to average equity (ytd only) | -67.6385% | 7,265 |
| Net charge-offs to loans | 1.9939% | 694 |
| Credit loss provision to net charge-offs | 118.7123% | 2,699 |
| Earnings coverage of net charge-offs (x) | -0.5991% | 6,110 |
| Efficiency ratio | 133.4081% | 215 |
| Assets per employee ($millions) | 3.4334% | 5,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5196% | 523 |
| Loan loss allowance to noncurrent loans | 17.1903% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 20.3319% | 51 |
| Noncurrent loans to loans | 20.4745% | 46 |
| Net loans and leases to total assets | 72.3205% | 1,590 |
| Net loans and leases to deposits | 78.8426% | 2,702 |
| Net loans and leases to core deposits | 85.5392% | 2,698 |
| Total domestic deposits to total assets | 91.7276% | 275 |
| Equity capital to assets | 2.6941% | 7,291 |
| Core capital (leverage) ratio | 2.6068% | 7,287 |
| Tier 1 risk-based capital ratio | 3.3031% | 7,306 |
| Total risk-based capital ratio | 4.5791% | 7,307 |
| Memoranda: | ||
| Average total assets | $138,473,600 | 4,002 |
| Average earning assets | $120,081,800 | 4,129 |
| Average equity | $5,028,200 | 6,439 |
| Average total loans | $99,706,400 | 3,626 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7650% | 4,167 |
| Cost of funding earning assets | 1.3497% | 1,453 |
| Net interest margin | 3.4153% | 5,523 |
| Noninterest income to average assets | -0.4679% | 7,346 |
| Noninterest expense to average assets | 3.3344% | 2,387 |
| Loan and lease loss provision to assets | 1.3737% | 537 |
| Net operating income to assets | -2.2195% | 7,181 |
| Return on assets (ROA) | -2.2195% | 7,187 |
| Pretax return on assets | -2.2195% | 7,167 |
| Return on Equity (ROE) | -57.8776% | 7,312 |
| Retained earnings to average equity (ytd only) | -57.8776% | 7,309 |
| Net charge-offs to loans | 2.6188% | 408 |
| Credit loss provision to net charge-offs | 73.5073% | 4,368 |
| Earnings coverage of net charge-offs (x) | -0.4526% | 5,816 |
| Efficiency ratio | 133.9864% | 205 |
| Assets per employee ($millions) | 3.5016% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4986% | 1,402 |
| Loan loss allowance to noncurrent loans | 14.6183% | 6,825 |
| Noncurrent assets plus other real estate owned to assets | 17.4397% | 86 |
| Noncurrent loans to loans | 17.0925% | 91 |
| Net loans and leases to total assets | 71.1101% | 1,880 |
| Net loans and leases to deposits | 79.0275% | 2,807 |
| Net loans and leases to core deposits | 86.4739% | 2,712 |
| Total domestic deposits to total assets | 89.9816% | 874 |
| Equity capital to assets | 3.4640% | 7,348 |
| Core capital (leverage) ratio | 3.1185% | 7,348 |
| Tier 1 risk-based capital ratio | 4.1929% | 7,359 |
| Total risk-based capital ratio | 5.4566% | 7,361 |
| Memoranda: | ||
| Average total assets | $142,191,000 | 3,959 |
| Average earning assets | $123,088,250 | 4,098 |
| Average equity | $5,452,750 | 6,354 |
| Average total loans | $101,470,000 | 3,608 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7355% | 4,365 |
| Cost of funding earning assets | 1.3779% | 1,510 |
| Net interest margin | 3.3576% | 5,690 |
| Noninterest income to average assets | -1.0219% | 7,480 |
| Noninterest expense to average assets | 3.3852% | 2,303 |
| Loan and lease loss provision to assets | 1.7172% | 393 |
| Net operating income to assets | -3.2281% | 7,333 |
| Return on assets (ROA) | -3.2281% | 7,339 |
| Pretax return on assets | -3.2281% | 7,331 |
| Return on Equity (ROE) | -81.8450% | 7,421 |
| Retained earnings to average equity (ytd only) | -81.8450% | 7,418 |
| Net charge-offs to loans | 3.8229% | 220 |
| Credit loss provision to net charge-offs | 63.3569% | 4,258 |
| Earnings coverage of net charge-offs (x) | -0.5575% | 5,541 |
| Efficiency ratio | 180.6122% | 80 |
| Assets per employee ($millions) | 3.7545% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2123% | 1,897 |
| Loan loss allowance to noncurrent loans | 15.0167% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 15.1091% | 141 |
| Noncurrent loans to loans | 14.7321% | 145 |
| Net loans and leases to total assets | 68.8258% | 2,451 |
| Net loans and leases to deposits | 75.8623% | 3,504 |
| Net loans and leases to core deposits | 82.4302% | 3,442 |
| Total domestic deposits to total assets | 90.7246% | 625 |
| Equity capital to assets | 3.2106% | 7,424 |
| Core capital (leverage) ratio | 2.8595% | 7,429 |
| Tier 1 risk-based capital ratio | 4.0209% | 7,431 |
| Total risk-based capital ratio | 5.2811% | 7,431 |
| Memoranda: | ||
| Average total assets | $146,401,000 | 3,911 |
| Average earning assets | $126,280,670 | 4,063 |
| Average equity | $5,774,330 | 6,297 |
| Average total loans | $103,796,000 | 3,588 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7684% | 4,212 |
| Cost of funding earning assets | 1.3992% | 1,613 |
| Net interest margin | 3.3692% | 5,544 |
| Noninterest income to average assets | 0.7246% | 2,416 |
| Noninterest expense to average assets | 3.2476% | 2,715 |
| Loan and lease loss provision to assets | 1.8542% | 305 |
| Net operating income to assets | -1.4839% | 7,196 |
| Return on assets (ROA) | -1.4839% | 7,199 |
| Pretax return on assets | -1.4839% | 7,155 |
| Return on Equity (ROE) | -34.6420% | 7,353 |
| Retained earnings to average equity (ytd only) | -34.6420% | 7,329 |
| Net charge-offs to loans | 2.5991% | 425 |
| Credit loss provision to net charge-offs | 100.2882% | 2,637 |
| Earnings coverage of net charge-offs (x) | 0.2003% | 4,462 |
| Efficiency ratio | 89.7644% | 1,355 |
| Assets per employee ($millions) | 3.9879% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7341% | 1,176 |
| Loan loss allowance to noncurrent loans | 19.7973% | 6,778 |
| Noncurrent assets plus other real estate owned to assets | 14.2432% | 174 |
| Noncurrent loans to loans | 13.8104% | 189 |
| Net loans and leases to total assets | 67.8690% | 2,575 |
| Net loans and leases to deposits | 76.2317% | 3,380 |
| Net loans and leases to core deposits | 82.7284% | 3,347 |
| Total domestic deposits to total assets | 89.0299% | 1,756 |
| Equity capital to assets | 4.0755% | 7,435 |
| Core capital (leverage) ratio | 4.0233% | 7,435 |
| Tier 1 risk-based capital ratio | 5.3478% | 7,444 |
| Total risk-based capital ratio | 6.6142% | 7,444 |
| Memoranda: | ||
| Average total assets | $150,143,500 | 3,874 |
| Average earning assets | $128,932,000 | 4,047 |
| Average equity | $6,431,500 | 6,114 |
| Average total loans | $106,807,500 | 3,565 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2239% | 3,490 |
| Cost of funding earning assets | 1.6231% | 1,936 |
| Net interest margin | 3.6008% | 4,821 |
| Noninterest income to average assets | 0.1790% | 6,470 |
| Noninterest expense to average assets | 3.2579% | 2,880 |
| Loan and lease loss provision to assets | 1.7777% | 780 |
| Net operating income to assets | -1.7044% | 6,972 |
| Return on assets (ROA) | -1.7044% | 6,993 |
| Pretax return on assets | -1.7044% | 6,928 |
| Return on Equity (ROE) | -31.6891% | 7,252 |
| Retained earnings to average equity (ytd only) | -31.6891% | 7,241 |
| Net charge-offs to loans | 2.8366% | 616 |
| Credit loss provision to net charge-offs | 83.5079% | 5,407 |
| Earnings coverage of net charge-offs (x) | 0.0344% | 6,084 |
| Efficiency ratio | 97.8003% | 881 |
| Assets per employee ($millions) | 3.8141% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6781% | 1,195 |
| Loan loss allowance to noncurrent loans | 20.2566% | 6,800 |
| Noncurrent assets plus other real estate owned to assets | 15.1767% | 159 |
| Noncurrent loans to loans | 13.2207% | 224 |
| Net loans and leases to total assets | 70.5804% | 2,395 |
| Net loans and leases to deposits | 80.6538% | 3,050 |
| Net loans and leases to core deposits | 87.9915% | 3,052 |
| Total domestic deposits to total assets | 87.5104% | 2,541 |
| Equity capital to assets | 4.4955% | 7,479 |
| Core capital (leverage) ratio | 4.4120% | 7,467 |
| Tier 1 risk-based capital ratio | 5.6289% | 7,499 |
| Total risk-based capital ratio | 6.8938% | 7,503 |
| Memoranda: | ||
| Average total assets | $156,942,800 | 3,761 |
| Average earning assets | $137,387,200 | 3,869 |
| Average equity | $8,441,400 | 5,567 |
| Average total loans | $117,781,400 | 3,364 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1560% | 4,045 |
| Cost of funding earning assets | 1.6572% | 2,060 |
| Net interest margin | 3.4989% | 5,295 |
| Noninterest income to average assets | 0.3145% | 5,637 |
| Noninterest expense to average assets | 3.1372% | 3,155 |
| Loan and lease loss provision to assets | 1.9363% | 625 |
| Net operating income to assets | -1.6747% | 7,151 |
| Return on assets (ROA) | -1.6747% | 7,163 |
| Pretax return on assets | -1.6747% | 7,093 |
| Return on Equity (ROE) | -29.9842% | 7,379 |
| Retained earnings to average equity (ytd only) | -29.9842% | 7,371 |
| Net charge-offs to loans | 1.8937% | 1,010 |
| Credit loss provision to net charge-offs | 135.1874% | 2,976 |
| Earnings coverage of net charge-offs (x) | 0.1827% | 5,829 |
| Efficiency ratio | 92.3020% | 1,104 |
| Assets per employee ($millions) | 3.9151% | 4,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4672% | 552 |
| Loan loss allowance to noncurrent loans | 22.9238% | 6,759 |
| Noncurrent assets plus other real estate owned to assets | 14.7418% | 163 |
| Noncurrent loans to loans | 15.1247% | 159 |
| Net loans and leases to total assets | 73.6862% | 1,867 |
| Net loans and leases to deposits | 84.4942% | 2,620 |
| Net loans and leases to core deposits | 91.3586% | 2,897 |
| Total domestic deposits to total assets | 87.2086% | 2,416 |
| Equity capital to assets | 4.9618% | 7,582 |
| Core capital (leverage) ratio | 4.7084% | 7,577 |
| Tier 1 risk-based capital ratio | 6.0304% | 7,603 |
| Total risk-based capital ratio | 7.3092% | 7,604 |
| Memoranda: | ||
| Average total assets | $158,991,500 | 3,775 |
| Average earning assets | $140,155,750 | 3,870 |
| Average equity | $8,880,000 | 5,527 |
| Average total loans | $120,257,750 | 3,363 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3105% | 3,420 |
| Cost of funding earning assets | 1.7125% | 2,052 |
| Net interest margin | 3.5980% | 4,819 |
| Noninterest income to average assets | 0.1192% | 7,008 |
| Noninterest expense to average assets | 3.1932% | 2,923 |
| Loan and lease loss provision to assets | 0.7462% | 1,939 |
| Net operating income to assets | -0.6456% | 6,774 |
| Return on assets (ROA) | -0.6456% | 6,800 |
| Pretax return on assets | -0.6456% | 6,694 |
| Return on Equity (ROE) | -11.1652% | 7,008 |
| Retained earnings to average equity (ytd only) | -11.1652% | 6,962 |
| Net charge-offs to loans | 0.1564% | 4,694 |
| Credit loss provision to net charge-offs | 632.6316% | 579 |
| Earnings coverage of net charge-offs (x) | 0.8526% | 4,917 |
| Efficiency ratio | 96.9469% | 918 |
| Assets per employee ($millions) | 3.8872% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3510% | 614 |
| Loan loss allowance to noncurrent loans | 31.0470% | 6,292 |
| Noncurrent assets plus other real estate owned to assets | 11.1997% | 312 |
| Noncurrent loans to loans | 10.7934% | 380 |
| Net loans and leases to total assets | 73.2143% | 2,104 |
| Net loans and leases to deposits | 84.5744% | 2,780 |
| Net loans and leases to core deposits | 93.6199% | 2,780 |
| Total domestic deposits to total assets | 86.5679% | 2,777 |
| Equity capital to assets | 5.7574% | 7,566 |
| Core capital (leverage) ratio | 5.4083% | 7,563 |
| Tier 1 risk-based capital ratio | 7.1768% | 7,587 |
| Total risk-based capital ratio | 8.4514% | 7,592 |
| Memoranda: | ||
| Average total assets | $161,092,670 | 3,767 |
| Average earning assets | $142,134,330 | 3,861 |
| Average equity | $9,314,670 | 5,408 |
| Average total loans | $121,493,330 | 3,380 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2689% | 3,691 |
| Cost of funding earning assets | 1.7609% | 2,065 |
| Net interest margin | 3.5080% | 5,122 |
| Noninterest income to average assets | 0.6980% | 2,613 |
| Noninterest expense to average assets | 3.1874% | 2,920 |
| Loan and lease loss provision to assets | 0.3661% | 3,173 |
| Net operating income to assets | 0.2465% | 5,510 |
| Return on assets (ROA) | 0.2465% | 5,630 |
| Pretax return on assets | 0.2465% | 5,754 |
| Return on Equity (ROE) | 4.2544% | 4,785 |
| Retained earnings to average equity (ytd only) | 4.2544% | 3,603 |
| Net charge-offs to loans | 0.3210% | 3,126 |
| Credit loss provision to net charge-offs | 151.5152% | 2,356 |
| Earnings coverage of net charge-offs (x) | 2.5354% | 3,278 |
| Efficiency ratio | 83.8793% | 2,032 |
| Assets per employee ($millions) | 3.8838% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9037% | 898 |
| Loan loss allowance to noncurrent loans | 47.1064% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 7.7079% | 648 |
| Noncurrent loans to loans | 6.1640% | 1,055 |
| Net loans and leases to total assets | 71.5862% | 2,552 |
| Net loans and leases to deposits | 82.4723% | 3,202 |
| Net loans and leases to core deposits | 92.6827% | 3,016 |
| Total domestic deposits to total assets | 86.8004% | 2,735 |
| Equity capital to assets | 5.8479% | 7,640 |
| Core capital (leverage) ratio | 5.6271% | 7,634 |
| Tier 1 risk-based capital ratio | 7.5811% | 7,652 |
| Total risk-based capital ratio | 8.8507% | 7,660 |
| Memoranda: | ||
| Average total assets | $163,896,000 | 3,769 |
| Average earning assets | $144,925,500 | 3,851 |
| Average equity | $9,496,000 | 5,390 |
| Average total loans | $123,347,500 | 3,396 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5624% | 3,797 |
| Cost of funding earning assets | 2.3241% | 1,570 |
| Net interest margin | 3.2383% | 5,963 |
| Noninterest income to average assets | 0.6479% | 3,312 |
| Noninterest expense to average assets | 3.0104% | 4,106 |
| Loan and lease loss provision to assets | 3.4206% | 461 |
| Net operating income to assets | -2.8965% | 7,373 |
| Return on assets (ROA) | -2.8711% | 7,374 |
| Pretax return on assets | -2.8711% | 7,260 |
| Return on Equity (ROE) | -40.3317% | 7,573 |
| Retained earnings to average equity (ytd only) | -41.2444% | 7,574 |
| Net charge-offs to loans | 2.6106% | 866 |
| Credit loss provision to net charge-offs | 165.9562% | 2,622 |
| Earnings coverage of net charge-offs (x) | 0.2543% | 5,866 |
| Efficiency ratio | 85.1716% | 2,202 |
| Assets per employee ($millions) | 3.7426% | 4,417 |
| Cash dividends to net income (ytd only)* | -2.2629% | 7,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7216% | 997 |
| Loan loss allowance to noncurrent loans | 76.9110% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 4.8982% | 1,273 |
| Noncurrent loans to loans | 3.5386% | 2,143 |
| Net loans and leases to total assets | 74.6882% | 2,097 |
| Net loans and leases to deposits | 85.8529% | 2,944 |
| Net loans and leases to core deposits | 108.6262% | 3,041 |
| Total domestic deposits to total assets | 86.9955% | 2,512 |
| Equity capital to assets | 5.7404% | 7,700 |
| Core capital (leverage) ratio | 5.6802% | 7,683 |
| Tier 1 risk-based capital ratio | 7.2517% | 7,720 |
| Total risk-based capital ratio | 8.5191% | 7,727 |
| Memoranda: | ||
| Average total assets | $161,608,600 | 3,737 |
| Average earning assets | $144,056,000 | 3,814 |
| Average equity | $11,504,600 | 4,875 |
| Average total loans | $127,594,200 | 3,317 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6447% | 3,605 |
| Cost of funding earning assets | 2.3978% | 1,641 |
| Net interest margin | 3.2469% | 5,849 |
| Noninterest income to average assets | 0.7063% | 2,976 |
| Noninterest expense to average assets | 3.0472% | 3,851 |
| Loan and lease loss provision to assets | 1.2675% | 1,520 |
| Net operating income to assets | -0.7079% | 6,612 |
| Return on assets (ROA) | -0.7079% | 6,627 |
| Pretax return on assets | -0.7079% | 6,491 |
| Return on Equity (ROE) | -9.4748% | 6,857 |
| Retained earnings to average equity (ytd only) | -10.6397% | 6,863 |
| Net charge-offs to loans | 0.3805% | 3,748 |
| Credit loss provision to net charge-offs | 418.9041% | 949 |
| Earnings coverage of net charge-offs (x) | 1.8493% | 4,419 |
| Efficiency ratio | 84.4863% | 2,243 |
| Assets per employee ($millions) | 3.7402% | 4,336 |
| Cash dividends to net income (ytd only)* | -12.2954% | 7,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8862% | 2,067 |
| Loan loss allowance to noncurrent loans | 91.0363% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 3.8078% | 1,697 |
| Noncurrent loans to loans | 2.0719% | 3,536 |
| Net loans and leases to total assets | 77.8495% | 1,601 |
| Net loans and leases to deposits | 91.9306% | 2,244 |
| Net loans and leases to core deposits | 117.8548% | 2,431 |
| Total domestic deposits to total assets | 84.6829% | 3,384 |
| Equity capital to assets | 7.7891% | 7,049 |
| Core capital (leverage) ratio | 7.6628% | 6,780 |
| Tier 1 risk-based capital ratio | 9.3684% | 7,451 |
| Total risk-based capital ratio | 10.6255% | 7,426 |
| Memoranda: | ||
| Average total assets | $160,842,250 | 3,780 |
| Average earning assets | $143,682,000 | 3,844 |
| Average equity | $12,017,500 | 4,784 |
| Average total loans | $127,884,500 | 3,341 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 4,257 |
| Cost of funding earning assets | 2.4693% | 1,717 |
| Net interest margin | 3.0947% | 6,262 |
| Noninterest income to average assets | 0.6752% | 3,152 |
| Noninterest expense to average assets | 3.1695% | 3,430 |
| Loan and lease loss provision to assets | 0.4849% | 3,106 |
| Net operating income to assets | -0.2101% | 6,209 |
| Return on assets (ROA) | -0.2101% | 6,226 |
| Pretax return on assets | -0.2101% | 6,136 |
| Return on Equity (ROE) | -2.8529% | 6,344 |
| Retained earnings to average equity (ytd only) | -4.6254% | 6,243 |
| Net charge-offs to loans | 0.0828% | 5,378 |
| Credit loss provision to net charge-offs | 735.8491% | 644 |
| Earnings coverage of net charge-offs (x) | 4.1698% | 3,189 |
| Efficiency ratio | 92.0217% | 1,637 |
| Assets per employee ($millions) | 3.6527% | 4,446 |
| Cash dividends to net income (ytd only)* | -62.1302% | 8,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 4,707 |
| Loan loss allowance to noncurrent loans | 37.2088% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 3.1471% | 1,998 |
| Noncurrent loans to loans | 3.3193% | 2,125 |
| Net loans and leases to total assets | 80.4918% | 1,228 |
| Net loans and leases to deposits | 95.2799% | 1,907 |
| Net loans and leases to core deposits | 121.0420% | 2,273 |
| Total domestic deposits to total assets | 84.4792% | 3,513 |
| Equity capital to assets | 7.8304% | 6,941 |
| Core capital (leverage) ratio | 7.8077% | 6,604 |
| Tier 1 risk-based capital ratio | 9.5094% | 7,384 |
| Total risk-based capital ratio | 10.7439% | 7,348 |
| Memoranda: | ||
| Average total assets | $160,847,330 | 3,809 |
| Average earning assets | $143,925,000 | 3,862 |
| Average equity | $11,847,670 | 4,859 |
| Average total loans | $127,976,000 | 3,378 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4126% | 5,359 |
| Cost of funding earning assets | 2.5689% | 1,663 |
| Net interest margin | 2.8437% | 6,891 |
| Noninterest income to average assets | 0.6120% | 3,462 |
| Noninterest expense to average assets | 2.9274% | 4,063 |
| Loan and lease loss provision to assets | 0.2212% | 4,240 |
| Net operating income to assets | 0.0074% | 6,237 |
| Return on assets (ROA) | 0.0074% | 6,390 |
| Pretax return on assets | 0.0074% | 6,359 |
| Return on Equity (ROE) | 0.1033% | 6,390 |
| Retained earnings to average equity (ytd only) | -1.7209% | 6,043 |
| Net charge-offs to loans | 0.1438% | 3,813 |
| Credit loss provision to net charge-offs | 195.6522% | 2,258 |
| Earnings coverage of net charge-offs (x) | 2.0217% | 3,710 |
| Efficiency ratio | 92.7570% | 1,518 |
| Assets per employee ($millions) | 3.5468% | 4,711 |
| Cash dividends to net income (ytd only)* | 1,766.6667% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0248% | 5,991 |
| Loan loss allowance to noncurrent loans | 51.7269% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 1.7658% | 3,274 |
| Noncurrent loans to loans | 1.9811% | 3,286 |
| Net loans and leases to total assets | 76.2474% | 2,217 |
| Net loans and leases to deposits | 89.2594% | 3,056 |
| Net loans and leases to core deposits | 109.3328% | 3,522 |
| Total domestic deposits to total assets | 85.4223% | 3,005 |
| Equity capital to assets | 7.2037% | 7,561 |
| Core capital (leverage) ratio | 7.2700% | 7,408 |
| Tier 1 risk-based capital ratio | 9.1689% | 7,692 |
| Total risk-based capital ratio | 10.1825% | 7,867 |
| Memoranda: | ||
| Average total assets | $162,737,500 | 3,780 |
| Average earning assets | $145,586,500 | 3,835 |
| Average equity | $11,622,000 | 4,945 |
| Average total loans | $127,960,500 | 3,413 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6403% | 2,290 |
| Cost of funding earning assets | 3.1076% | 1,483 |
| Net interest margin | 3.5327% | 5,182 |
| Noninterest income to average assets | 0.6303% | 3,632 |
| Noninterest expense to average assets | 3.3921% | 2,702 |
| Loan and lease loss provision to assets | 0.1345% | 5,636 |
| Net operating income to assets | 0.2953% | 5,561 |
| Return on assets (ROA) | 0.2980% | 5,363 |
| Pretax return on assets | 0.2980% | 5,517 |
| Return on Equity (ROE) | 3.7373% | 4,925 |
| Retained earnings to average equity (ytd only) | -2.6405% | 6,025 |
| Net charge-offs to loans | 0.3102% | 3,321 |
| Credit loss provision to net charge-offs | 53.7634% | 6,309 |
| Earnings coverage of net charge-offs (x) | 1.7177% | 5,219 |
| Efficiency ratio | 88.7540% | 1,610 |
| Assets per employee ($millions) | 3.1828% | 5,534 |
| Cash dividends to net income (ytd only)* | 170.6546% | 395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 6,371 |
| Loan loss allowance to noncurrent loans | 229.0976% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 5,850 |
| Noncurrent loans to loans | 0.4169% | 6,093 |
| Net loans and leases to total assets | 79.4649% | 1,785 |
| Net loans and leases to deposits | 92.9316% | 2,969 |
| Net loans and leases to core deposits | 113.1363% | 3,431 |
| Total domestic deposits to total assets | 85.5090% | 2,626 |
| Equity capital to assets | 7.0791% | 7,699 |
| Core capital (leverage) ratio | 7.4167% | 7,295 |
| Tier 1 risk-based capital ratio | 9.0011% | 7,778 |
| Total risk-based capital ratio | 9.9580% | 8,018 |
| Memoranda: | ||
| Average total assets | $148,670,400 | 3,927 |
| Average earning assets | $134,316,200 | 3,967 |
| Average equity | $11,853,600 | 4,872 |
| Average total loans | $119,912,200 | 3,460 |