Home > Maple Bank > Performance and Condition Ratios
Maple Bank, Performance and Condition Ratios
| 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 | 5.0728% | 154 |
| Cost of funding earning assets | 0.4170% | 825 |
| Net interest margin | 4.6558% | 156 |
| Noninterest income to average assets | 0.2380% | 3,748 |
| Noninterest expense to average assets | 4.2703% | 241 |
| Loan and lease loss provision to assets | 0.0327% | 2,000 |
| Net operating income to assets | 0.2751% | 4,330 |
| Return on assets (ROA) | 0.2751% | 4,280 |
| Pretax return on assets | 0.3952% | 4,170 |
| Return on Equity (ROE) | 2.2395% | 4,325 |
| Retained earnings to average equity (ytd only) | 0.4621% | 4,099 |
| Net charge-offs to loans | -0.0254% | 3,984 |
| Credit loss provision to net charge-offs | -150.0000% | 3,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8922% | 371 |
| Assets per employee ($millions) | 6.8658% | 2,027 |
| Cash dividends to net income (ytd only)* | 79.3651% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3420% | 1,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 87.6209% | 53 |
| Net loans and leases to deposits | 112.1659% | 81 |
| Net loans and leases to core deposits | 128.2625% | 130 |
| Total domestic deposits to total assets | 78.1172% | 4,346 |
| Equity capital to assets | 13.5758% | 574 |
| Core capital (leverage) ratio | 12.2058% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,610,000 | 4,068 |
| Average earning assets | $87,761,667 | 4,033 |
| Average equity | $11,252,667 | 3,857 |
| Average total loans | $78,831,333 | 3,466 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 144 |
| Cost of funding earning assets | 0.4081% | 830 |
| Net interest margin | 4.6410% | 147 |
| Noninterest income to average assets | 0.2245% | 3,816 |
| Noninterest expense to average assets | 2.6564% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.4675% | 682 |
| Return on assets (ROA) | 1.4675% | 678 |
| Pretax return on assets | 2.0120% | 343 |
| Return on Equity (ROE) | 12.5105% | 1,156 |
| Retained earnings to average equity (ytd only) | 8.9665% | 1,278 |
| Net charge-offs to loans | -0.0392% | 4,178 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9012% | 3,800 |
| Assets per employee ($millions) | 7.8940% | 1,436 |
| Cash dividends to net income (ytd only)* | 28.3286% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 2,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 81.8829% | 172 |
| Net loans and leases to deposits | 109.4375% | 74 |
| Net loans and leases to core deposits | 127.5903% | 102 |
| Total domestic deposits to total assets | 74.8216% | 4,548 |
| Equity capital to assets | 12.0482% | 936 |
| Core capital (leverage) ratio | 12.0280% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,220,500 | 4,043 |
| Average earning assets | $92,134,500 | 4,002 |
| Average equity | $11,286,500 | 3,929 |
| Average total loans | $81,661,000 | 3,439 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5241% | 129 |
| Cost of funding earning assets | 0.5474% | 723 |
| Net interest margin | 4.9767% | 145 |
| Noninterest income to average assets | 0.5795% | 2,238 |
| Noninterest expense to average assets | 2.6464% | 1,757 |
| Loan and lease loss provision to assets | -0.0144% | 4,191 |
| Net operating income to assets | 2.0226% | 325 |
| Return on assets (ROA) | 2.0226% | 341 |
| Pretax return on assets | 2.7090% | 199 |
| Return on Equity (ROE) | 21.0382% | 259 |
| Retained earnings to average equity (ytd only) | 21.0382% | 50 |
| Net charge-offs to loans | -0.0238% | 4,039 |
| Credit loss provision to net charge-offs | 71.4286% | 2,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5494% | 4,319 |
| Assets per employee ($millions) | 8.1428% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 85.7951% | 69 |
| Net loans and leases to deposits | 117.9235% | 44 |
| Net loans and leases to core deposits | 137.4627% | 73 |
| Total domestic deposits to total assets | 72.7549% | 4,625 |
| Equity capital to assets | 11.5266% | 1,497 |
| Core capital (leverage) ratio | 11.1658% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,876,000 | 3,954 |
| Average earning assets | $99,383,600 | 3,914 |
| Average equity | $9,986,600 | 4,131 |
| Average total loans | $88,355,600 | 3,359 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4128% | 167 |
| Cost of funding earning assets | 0.5714% | 738 |
| Net interest margin | 4.8414% | 187 |
| Noninterest income to average assets | 0.4073% | 3,051 |
| Noninterest expense to average assets | 2.4891% | 2,153 |
| Loan and lease loss provision to assets | -0.0190% | 4,352 |
| Net operating income to assets | 1.9086% | 549 |
| Return on assets (ROA) | 1.9086% | 571 |
| Pretax return on assets | 2.5663% | 298 |
| Return on Equity (ROE) | 20.8115% | 371 |
| Retained earnings to average equity (ytd only) | 20.8115% | 109 |
| Net charge-offs to loans | 0.0030% | 2,241 |
| Credit loss provision to net charge-offs | -750.0000% | 3,776 |
| Earnings coverage of net charge-offs (x) | 1,007.0000% | 165 |
| Efficiency ratio | 49.4224% | 4,270 |
| Assets per employee ($millions) | 8.4143% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0705% | 3,576 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 85.4869% | 75 |
| Net loans and leases to deposits | 115.9053% | 54 |
| Net loans and leases to core deposits | 141.6472% | 76 |
| Total domestic deposits to total assets | 73.7558% | 4,648 |
| Equity capital to assets | 10.5684% | 2,402 |
| Core capital (leverage) ratio | 10.2905% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,416,750 | 3,990 |
| Average earning assets | $100,795,750 | 3,947 |
| Average equity | $9,667,500 | 4,228 |
| Average total loans | $89,246,750 | 3,389 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9544% | 370 |
| Cost of funding earning assets | 0.5874% | 792 |
| Net interest margin | 4.3670% | 438 |
| Noninterest income to average assets | 0.1441% | 4,478 |
| Noninterest expense to average assets | 2.3443% | 2,632 |
| Loan and lease loss provision to assets | 0.1123% | 1,128 |
| Net operating income to assets | 1.3714% | 1,649 |
| Return on assets (ROA) | 1.3714% | 1,727 |
| Pretax return on assets | 1.8466% | 1,130 |
| Return on Equity (ROE) | 15.7077% | 1,015 |
| Retained earnings to average equity (ytd only) | 15.7077% | 360 |
| Net charge-offs to loans | 0.0845% | 836 |
| Credit loss provision to net charge-offs | 157.8947% | 1,142 |
| Earnings coverage of net charge-offs (x) | 27.5526% | 1,359 |
| Efficiency ratio | 54.4783% | 3,743 |
| Assets per employee ($millions) | 9.7218% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 3,497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 83.3206% | 160 |
| Net loans and leases to deposits | 122.8820% | 48 |
| Net loans and leases to core deposits | 153.7001% | 60 |
| Total domestic deposits to total assets | 67.8053% | 4,796 |
| Equity capital to assets | 9.2529% | 3,556 |
| Core capital (leverage) ratio | 9.5852% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,898,667 | 3,989 |
| Average earning assets | $101,808,667 | 3,955 |
| Average equity | $9,333,000 | 4,283 |
| Average total loans | $89,912,000 | 3,399 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 584 |
| Cost of funding earning assets | 0.6232% | 785 |
| Net interest margin | 4.0624% | 768 |
| Noninterest income to average assets | 0.1347% | 4,531 |
| Noninterest expense to average assets | 2.4402% | 2,355 |
| Loan and lease loss provision to assets | 0.1123% | 1,234 |
| Net operating income to assets | 1.0479% | 2,645 |
| Return on assets (ROA) | 1.0479% | 2,728 |
| Pretax return on assets | 1.4372% | 2,177 |
| Return on Equity (ROE) | 12.3730% | 1,878 |
| Retained earnings to average equity (ytd only) | 12.3730% | 1,058 |
| Net charge-offs to loans | 0.5833% | 139 |
| Credit loss provision to net charge-offs | 22.9008% | 1,411 |
| Earnings coverage of net charge-offs (x) | 3.1603% | 1,776 |
| Efficiency ratio | 61.1632% | 2,880 |
| Assets per employee ($millions) | 10.3275% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8725% | 4,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 84.9114% | 116 |
| Net loans and leases to deposits | 125.9249% | 48 |
| Net loans and leases to core deposits | 156.7707% | 68 |
| Total domestic deposits to total assets | 67.4302% | 4,815 |
| Equity capital to assets | 8.3115% | 4,267 |
| Core capital (leverage) ratio | 9.3117% | 3,255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,878,000 | 4,001 |
| Average earning assets | $101,418,000 | 3,967 |
| Average equity | $9,052,000 | 4,327 |
| Average total loans | $89,830,000 | 3,411 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7619% | 786 |
| Cost of funding earning assets | 0.8789% | 914 |
| Net interest margin | 3.8830% | 1,264 |
| Noninterest income to average assets | 0.2683% | 3,874 |
| Noninterest expense to average assets | 2.7464% | 2,090 |
| Loan and lease loss provision to assets | 1.0185% | 90 |
| Net operating income to assets | 0.1921% | 4,583 |
| Return on assets (ROA) | 0.1921% | 4,643 |
| Pretax return on assets | 0.2046% | 4,646 |
| Return on Equity (ROE) | 2.1921% | 4,535 |
| Retained earnings to average equity (ytd only) | 2.1921% | 3,746 |
| Net charge-offs to loans | 1.0378% | 123 |
| Credit loss provision to net charge-offs | 120.9177% | 2,626 |
| Earnings coverage of net charge-offs (x) | 1.4521% | 3,256 |
| Efficiency ratio | 69.1867% | 2,067 |
| Assets per employee ($millions) | 8.3462% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 3,188 |
| Loan loss allowance to noncurrent loans | 155.3922% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6111% | 1,726 |
| Noncurrent loans to loans | 0.7432% | 1,845 |
| Net loans and leases to total assets | 81.2738% | 344 |
| Net loans and leases to deposits | 118.7180% | 81 |
| Net loans and leases to core deposits | 159.2748% | 72 |
| Total domestic deposits to total assets | 68.4596% | 4,806 |
| Equity capital to assets | 8.6487% | 4,339 |
| Core capital (leverage) ratio | 9.4322% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,971,200 | 4,143 |
| Average earning assets | $83,852,600 | 4,102 |
| Average equity | $7,709,400 | 4,454 |
| Average total loans | $71,400,400 | 3,700 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 1,039 |
| Cost of funding earning assets | 0.9278% | 969 |
| Net interest margin | 3.7834% | 1,669 |
| Noninterest income to average assets | 0.2245% | 4,149 |
| Noninterest expense to average assets | 2.7867% | 2,008 |
| Loan and lease loss provision to assets | 1.0079% | 137 |
| Net operating income to assets | 0.0392% | 4,746 |
| Return on assets (ROA) | 0.0392% | 4,770 |
| Pretax return on assets | 0.0597% | 4,755 |
| Return on Equity (ROE) | 0.4461% | 4,757 |
| Retained earnings to average equity (ytd only) | 0.4461% | 4,394 |
| Net charge-offs to loans | 1.5088% | 77 |
| Credit loss provision to net charge-offs | 82.6255% | 2,741 |
| Earnings coverage of net charge-offs (x) | 0.8752% | 3,114 |
| Efficiency ratio | 72.3014% | 1,608 |
| Assets per employee ($millions) | 9.0674% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8081% | 4,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.4710% | 485 |
| Net loans and leases to deposits | 119.1915% | 121 |
| Net loans and leases to core deposits | 163.4615% | 73 |
| Total domestic deposits to total assets | 68.3530% | 4,803 |
| Equity capital to assets | 8.0378% | 4,699 |
| Core capital (leverage) ratio | 8.8003% | 3,958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,925,500 | 4,189 |
| Average earning assets | $81,477,750 | 4,144 |
| Average equity | $7,471,250 | 4,504 |
| Average total loans | $68,663,000 | 3,778 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7432% | 1,296 |
| Cost of funding earning assets | 1.0119% | 956 |
| Net interest margin | 3.7313% | 2,047 |
| Noninterest income to average assets | 0.2450% | 4,005 |
| Noninterest expense to average assets | 2.8330% | 2,012 |
| Loan and lease loss provision to assets | 1.5503% | 77 |
| Net operating income to assets | -0.4251% | 4,902 |
| Return on assets (ROA) | -0.4251% | 4,900 |
| Pretax return on assets | -0.5701% | 4,909 |
| Return on Equity (ROE) | -4.6643% | 4,922 |
| Retained earnings to average equity (ytd only) | -4.6643% | 4,758 |
| Net charge-offs to loans | 1.3760% | 94 |
| Credit loss provision to net charge-offs | 140.2715% | 2,174 |
| Earnings coverage of net charge-offs (x) | 0.8869% | 2,900 |
| Efficiency ratio | 74.2951% | 1,436 |
| Assets per employee ($millions) | 8.2819% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,298 |
| Loan loss allowance to noncurrent loans | 298.4663% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.3280% | 2,998 |
| Noncurrent loans to loans | 0.4160% | 2,920 |
| Net loans and leases to total assets | 77.8695% | 861 |
| Net loans and leases to deposits | 113.9548% | 158 |
| Net loans and leases to core deposits | 162.8865% | 73 |
| Total domestic deposits to total assets | 68.3336% | 4,834 |
| Equity capital to assets | 7.8716% | 4,777 |
| Core capital (leverage) ratio | 9.6672% | 3,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,987,000 | 4,251 |
| Average earning assets | $76,488,667 | 4,220 |
| Average equity | $7,289,333 | 4,541 |
| Average total loans | $64,243,333 | 3,869 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8979% | 1,197 |
| Cost of funding earning assets | 1.2290% | 700 |
| Net interest margin | 3.6690% | 2,435 |
| Noninterest income to average assets | 0.3699% | 3,300 |
| Noninterest expense to average assets | 3.2608% | 1,295 |
| Loan and lease loss provision to assets | 0.1480% | 1,916 |
| Net operating income to assets | 0.3358% | 4,273 |
| Return on assets (ROA) | 0.3358% | 4,305 |
| Pretax return on assets | 0.4610% | 4,187 |
| Return on Equity (ROE) | 3.3606% | 4,129 |
| Retained earnings to average equity (ytd only) | 3.3606% | 2,937 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2647% | 809 |
| Assets per employee ($millions) | 6.4992% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4229% | 1,616 |
| Loan loss allowance to noncurrent loans | 106.2096% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0813% | 1,207 |
| Noncurrent loans to loans | 1.3397% | 1,209 |
| Net loans and leases to total assets | 79.5597% | 750 |
| Net loans and leases to deposits | 98.6250% | 649 |
| Net loans and leases to core deposits | 154.9218% | 95 |
| Total domestic deposits to total assets | 80.6689% | 3,728 |
| Equity capital to assets | 9.8642% | 3,912 |
| Core capital (leverage) ratio | 9.0841% | 4,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $70,289,000 | 4,411 |
| Average earning assets | $67,049,000 | 4,369 |
| Average equity | $7,022,500 | 4,597 |
| Average total loans | $57,184,000 | 4,003 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3118% | 799 |
| Cost of funding earning assets | 1.1958% | 1,031 |
| Net interest margin | 4.1161% | 1,494 |
| Noninterest income to average assets | 0.2628% | 4,105 |
| Noninterest expense to average assets | 3.7072% | 758 |
| Loan and lease loss provision to assets | 0.4669% | 283 |
| Net operating income to assets | -0.1695% | 5,016 |
| Return on assets (ROA) | -0.1695% | 5,025 |
| Pretax return on assets | -0.0484% | 4,990 |
| Return on Equity (ROE) | -1.3881% | 5,025 |
| Retained earnings to average equity (ytd only) | -1.3881% | 4,835 |
| Net charge-offs to loans | -0.0088% | 4,433 |
| Credit loss provision to net charge-offs | -6,750.0000% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8575% | 358 |
| Assets per employee ($millions) | 6.2806% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 1,509 |
| Loan loss allowance to noncurrent loans | 165.8333% | 2,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 1,867 |
| Noncurrent loans to loans | 0.8470% | 1,819 |
| Net loans and leases to total assets | 80.8734% | 683 |
| Net loans and leases to deposits | 102.6209% | 436 |
| Net loans and leases to core deposits | 158.5499% | 82 |
| Total domestic deposits to total assets | 78.8079% | 4,217 |
| Equity capital to assets | 10.1220% | 3,812 |
| Core capital (leverage) ratio | 9.6942% | 3,851 |
| Tier 1 risk-based capital ratio | 10.4532% | 5,031 |
| Total risk-based capital ratio | 11.7101% | 4,960 |
| Memoranda: | ||
| Average total assets | $57,834,000 | 4,625 |
| Average earning assets | $54,275,000 | 4,606 |
| Average equity | $7,059,800 | 4,635 |
| Average total loans | $45,614,200 | 4,269 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3806% | 731 |
| Cost of funding earning assets | 1.2012% | 1,039 |
| Net interest margin | 4.1794% | 1,416 |
| Noninterest income to average assets | 0.2714% | 4,115 |
| Noninterest expense to average assets | 3.9208% | 582 |
| Loan and lease loss provision to assets | 0.3393% | 402 |
| Net operating income to assets | -0.0606% | 5,081 |
| Return on assets (ROA) | -0.0606% | 5,088 |
| Pretax return on assets | -0.0848% | 5,083 |
| Return on Equity (ROE) | -0.4710% | 5,083 |
| Retained earnings to average equity (ytd only) | -0.4710% | 4,806 |
| Net charge-offs to loans | -0.0124% | 4,448 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9060% | 233 |
| Assets per employee ($millions) | 5.3139% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 1,567 |
| Loan loss allowance to noncurrent loans | 148.6607% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 1,794 |
| Noncurrent loans to loans | 0.9430% | 1,707 |
| Net loans and leases to total assets | 80.1379% | 828 |
| Net loans and leases to deposits | 104.0747% | 410 |
| Net loans and leases to core deposits | 136.4571% | 222 |
| Total domestic deposits to total assets | 77.0003% | 4,514 |
| Equity capital to assets | 12.0866% | 2,189 |
| Core capital (leverage) ratio | 10.8343% | 2,804 |
| Tier 1 risk-based capital ratio | 12.5893% | 4,092 |
| Total risk-based capital ratio | 13.8455% | 3,960 |
| Memoranda: | ||
| Average total assets | $55,020,750 | 4,735 |
| Average earning assets | $51,393,500 | 4,717 |
| Average equity | $7,076,500 | 4,688 |
| Average total loans | $42,850,500 | 4,395 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 925 |
| Cost of funding earning assets | 1.2097% | 964 |
| Net interest margin | 4.0203% | 1,856 |
| Noninterest income to average assets | 0.2673% | 4,149 |
| Noninterest expense to average assets | 4.0611% | 492 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0408% | 5,115 |
| Return on assets (ROA) | -0.0408% | 5,119 |
| Pretax return on assets | -0.0557% | 5,121 |
| Return on Equity (ROE) | -0.3107% | 5,119 |
| Retained earnings to average equity (ytd only) | -0.3107% | 4,734 |
| Net charge-offs to loans | -0.0194% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3902% | 150 |
| Assets per employee ($millions) | 4.6285% | 2,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 2,471 |
| Loan loss allowance to noncurrent loans | 6,575.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0144% | 4,722 |
| Noncurrent loans to loans | 0.0184% | 4,632 |
| Net loans and leases to total assets | 77.3127% | 1,347 |
| Net loans and leases to deposits | 91.6661% | 1,526 |
| Net loans and leases to core deposits | 112.8008% | 830 |
| Total domestic deposits to total assets | 84.3416% | 2,742 |
| Equity capital to assets | 12.7471% | 1,727 |
| Core capital (leverage) ratio | 11.3395% | 2,305 |
| Tier 1 risk-based capital ratio | 13.7207% | 3,475 |
| Total risk-based capital ratio | 14.9765% | 3,363 |
| Memoranda: | ||
| Average total assets | $53,876,670 | 4,790 |
| Average earning assets | $50,096,000 | 4,773 |
| Average equity | $7,080,330 | 4,714 |
| Average total loans | $41,297,670 | 4,462 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2108% | 892 |
| Cost of funding earning assets | 1.1924% | 923 |
| Net interest margin | 4.0183% | 1,799 |
| Noninterest income to average assets | 0.2564% | 4,175 |
| Noninterest expense to average assets | 4.1777% | 416 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.1584% | 5,197 |
| Return on assets (ROA) | -0.1584% | 5,195 |
| Pretax return on assets | -0.2111% | 5,199 |
| Return on Equity (ROE) | -1.1864% | 5,194 |
| Retained earnings to average equity (ytd only) | -1.1864% | 4,672 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.3232% | 129 |
| Assets per employee ($millions) | 4.3814% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,079 |
| Loan loss allowance to noncurrent loans | 3,480.0000% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,708 |
| Noncurrent loans to loans | 0.0374% | 4,601 |
| Net loans and leases to total assets | 75.2306% | 1,607 |
| Net loans and leases to deposits | 93.2679% | 1,248 |
| Net loans and leases to core deposits | 119.2499% | 550 |
| Total domestic deposits to total assets | 80.6607% | 4,031 |
| Equity capital to assets | 13.4469% | 1,230 |
| Core capital (leverage) ratio | 11.5846% | 2,071 |
| Tier 1 risk-based capital ratio | 14.7818% | 2,973 |
| Total risk-based capital ratio | 16.0403% | 2,904 |
| Memoranda: | ||
| Average total assets | $53,044,000 | 4,852 |
| Average earning assets | $48,975,500 | 4,840 |
| Average equity | $7,080,500 | 4,741 |
| Average total loans | $40,213,000 | 4,533 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9117% | 1,251 |
| Cost of funding earning assets | 1.0336% | 658 |
| Net interest margin | 3.8781% | 2,402 |
| Noninterest income to average assets | 0.2881% | 4,179 |
| Noninterest expense to average assets | 3.8757% | 618 |
| Loan and lease loss provision to assets | -0.5612% | 5,389 |
| Net operating income to assets | 0.5069% | 4,649 |
| Return on assets (ROA) | 0.5069% | 4,650 |
| Pretax return on assets | 0.5948% | 4,639 |
| Return on Equity (ROE) | 4.0394% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.0394% | 3,341 |
| Net charge-offs to loans | -0.0428% | 4,927 |
| Credit loss provision to net charge-offs | 1,764.7059% | 244 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1388% | 154 |
| Assets per employee ($millions) | 4.8646% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 2,067 |
| Loan loss allowance to noncurrent loans | 2,747.3684% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 4,667 |
| Noncurrent loans to loans | 0.0471% | 4,533 |
| Net loans and leases to total assets | 74.4296% | 1,857 |
| Net loans and leases to deposits | 89.8626% | 1,818 |
| Net loans and leases to core deposits | 114.2742% | 772 |
| Total domestic deposits to total assets | 82.8260% | 3,386 |
| Equity capital to assets | 13.2515% | 1,233 |
| Core capital (leverage) ratio | 11.5832% | 2,039 |
| Tier 1 risk-based capital ratio | 14.7637% | 2,939 |
| Total risk-based capital ratio | 16.0205% | 2,865 |
| Memoranda: | ||
| Average total assets | $53,461,600 | 4,881 |
| Average earning assets | $49,921,600 | 4,859 |
| Average equity | $6,709,000 | 4,791 |
| Average total loans | $39,685,200 | 4,560 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8022% | 1,423 |
| Cost of funding earning assets | 0.9727% | 670 |
| Net interest margin | 3.8295% | 2,531 |
| Noninterest income to average assets | 0.2844% | 4,252 |
| Noninterest expense to average assets | 3.9114% | 581 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.1347% | 5,336 |
| Return on assets (ROA) | -0.1347% | 5,334 |
| Pretax return on assets | -0.0424% | 5,309 |
| Return on Equity (ROE) | -1.0887% | 5,336 |
| Retained earnings to average equity (ytd only) | -1.0887% | 5,139 |
| Net charge-offs to loans | -0.0169% | 4,578 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0961% | 138 |
| Assets per employee ($millions) | 4.8265% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0626% | 436 |
| Loan loss allowance to noncurrent loans | 1,883.7209% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0810% | 4,564 |
| Noncurrent loans to loans | 0.1095% | 4,402 |
| Net loans and leases to total assets | 72.4403% | 2,263 |
| Net loans and leases to deposits | 86.9782% | 2,264 |
| Net loans and leases to core deposits | 113.9623% | 821 |
| Total domestic deposits to total assets | 83.2856% | 3,205 |
| Equity capital to assets | 12.7439% | 1,442 |
| Core capital (leverage) ratio | 10.6774% | 2,906 |
| Tier 1 risk-based capital ratio | 14.7044% | 3,014 |
| Total risk-based capital ratio | 15.9728% | 2,931 |
| Memoranda: | ||
| Average total assets | $53,449,250 | 4,939 |
| Average earning assets | $50,031,500 | 4,908 |
| Average equity | $6,613,500 | 4,856 |
| Average total loans | $39,519,000 | 4,614 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 1,551 |
| Cost of funding earning assets | 0.8585% | 883 |
| Net interest margin | 3.8214% | 2,494 |
| Noninterest income to average assets | 0.2240% | 4,686 |
| Noninterest expense to average assets | 3.8456% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0336% | 5,357 |
| Return on assets (ROA) | -0.0336% | 5,350 |
| Pretax return on assets | -0.0485% | 5,353 |
| Return on Equity (ROE) | -0.2743% | 5,350 |
| Retained earnings to average equity (ytd only) | -0.2743% | 4,994 |
| Net charge-offs to loans | -0.0253% | 4,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2783% | 156 |
| Assets per employee ($millions) | 4.9754% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0545% | 471 |
| Loan loss allowance to noncurrent loans | 1,620.0000% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.5354% | 2,628 |
| Noncurrent loans to loans | 0.1268% | 4,342 |
| Net loans and leases to total assets | 70.5567% | 2,494 |
| Net loans and leases to deposits | 84.2736% | 2,507 |
| Net loans and leases to core deposits | 111.7817% | 896 |
| Total domestic deposits to total assets | 83.7234% | 3,164 |
| Equity capital to assets | 12.4450% | 1,572 |
| Core capital (leverage) ratio | 11.3608% | 2,198 |
| Tier 1 risk-based capital ratio | 14.3663% | 3,174 |
| Total risk-based capital ratio | 15.6332% | 3,087 |
| Memoranda: | ||
| Average total assets | $53,568,330 | 4,991 |
| Average earning assets | $50,086,330 | 4,963 |
| Average equity | $6,562,670 | 4,914 |
| Average total loans | $39,602,000 | 4,651 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6729% | 1,369 |
| Cost of funding earning assets | 0.8327% | 826 |
| Net interest margin | 3.8402% | 2,260 |
| Noninterest income to average assets | 0.2265% | 4,660 |
| Noninterest expense to average assets | 3.8575% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.0377% | 5,403 |
| Return on assets (ROA) | -0.0377% | 5,399 |
| Pretax return on assets | -0.0453% | 5,401 |
| Return on Equity (ROE) | -0.3106% | 5,398 |
| Retained earnings to average equity (ytd only) | -0.3106% | 4,835 |
| Net charge-offs to loans | 0.0101% | 2,389 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 2,689 |
| Efficiency ratio | 101.1881% | 166 |
| Assets per employee ($millions) | 5.2485% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0685% | 481 |
| Loan loss allowance to noncurrent loans | 134.2237% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.6043% | 843 |
| Noncurrent loans to loans | 1.5411% | 1,136 |
| Net loans and leases to total assets | 72.5236% | 2,089 |
| Net loans and leases to deposits | 86.6588% | 2,085 |
| Net loans and leases to core deposits | 106.0515% | 1,233 |
| Total domestic deposits to total assets | 83.6887% | 3,437 |
| Equity capital to assets | 12.2626% | 1,626 |
| Core capital (leverage) ratio | 10.2333% | 3,261 |
| Tier 1 risk-based capital ratio | 13.4493% | 3,691 |
| Total risk-based capital ratio | 14.7167% | 3,591 |
| Memoranda: | ||
| Average total assets | $52,988,000 | 5,060 |
| Average earning assets | $49,477,000 | 5,037 |
| Average equity | $6,438,500 | 4,990 |
| Average total loans | $39,690,500 | 4,700 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6461% | 1,321 |
| Cost of funding earning assets | 0.5792% | 1,747 |
| Net interest margin | 4.0669% | 1,540 |
| Noninterest income to average assets | 0.2615% | 4,574 |
| Noninterest expense to average assets | 4.0573% | 493 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.7069% | 5,565 |
| Return on assets (ROA) | -0.7069% | 5,564 |
| Pretax return on assets | -0.0291% | 5,450 |
| Return on Equity (ROE) | -5.4340% | 5,545 |
| Retained earnings to average equity (ytd only) | -5.4340% | 5,448 |
| Net charge-offs to loans | 0.4089% | 613 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | -0.0920% | 4,021 |
| Efficiency ratio | 100.7212% | 164 |
| Assets per employee ($millions) | 4.4576% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 596 |
| Loan loss allowance to noncurrent loans | 190.5569% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.2264% | 1,195 |
| Noncurrent loans to loans | 1.0199% | 1,745 |
| Net loans and leases to total assets | 74.2330% | 1,878 |
| Net loans and leases to deposits | 92.2069% | 1,492 |
| Net loans and leases to core deposits | 117.2226% | 680 |
| Total domestic deposits to total assets | 80.5070% | 4,248 |
| Equity capital to assets | 12.0413% | 1,804 |
| Core capital (leverage) ratio | 10.8157% | 2,522 |
| Tier 1 risk-based capital ratio | 13.0626% | 3,874 |
| Total risk-based capital ratio | 14.3279% | 3,770 |
| Memoranda: | ||
| Average total assets | $51,635,000 | 5,126 |
| Average earning assets | $47,824,800 | 5,112 |
| Average equity | $6,717,000 | 4,992 |
| Average total loans | $39,863,600 | 4,737 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6210% | 1,315 |
| Cost of funding earning assets | 0.5589% | 1,818 |
| Net interest margin | 4.0621% | 1,504 |
| Noninterest income to average assets | 0.2684% | 4,589 |
| Noninterest expense to average assets | 4.1142% | 452 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -0.0625% | 5,539 |
| Return on assets (ROA) | -0.0625% | 5,544 |
| Pretax return on assets | -0.0964% | 5,542 |
| Return on Equity (ROE) | -0.4716% | 5,540 |
| Retained earnings to average equity (ytd only) | -0.4716% | 5,289 |
| Net charge-offs to loans | 0.5742% | 347 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | -0.2164% | 3,706 |
| Efficiency ratio | 102.3995% | 152 |
| Assets per employee ($millions) | 4.1962% | 3,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9596% | 612 |
| Loan loss allowance to noncurrent loans | 189.0777% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.3008% | 1,234 |
| Noncurrent loans to loans | 1.0364% | 1,865 |
| Net loans and leases to total assets | 77.4000% | 1,366 |
| Net loans and leases to deposits | 96.3415% | 1,083 |
| Net loans and leases to core deposits | 135.4581% | 262 |
| Total domestic deposits to total assets | 80.3392% | 4,244 |
| Equity capital to assets | 13.4686% | 1,174 |
| Core capital (leverage) ratio | 10.9552% | 2,500 |
| Tier 1 risk-based capital ratio | 13.4796% | 3,718 |
| Total risk-based capital ratio | 14.7470% | 3,614 |
| Memoranda: | ||
| Average total assets | $51,171,000 | 5,191 |
| Average earning assets | $47,232,000 | 5,173 |
| Average equity | $6,786,000 | 5,032 |
| Average total loans | $39,705,750 | 4,790 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5176% | 1,474 |
| Cost of funding earning assets | 0.5183% | 2,028 |
| Net interest margin | 3.9993% | 1,608 |
| Noninterest income to average assets | 0.2760% | 4,574 |
| Noninterest expense to average assets | 4.1055% | 464 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.0894% | 5,585 |
| Return on assets (ROA) | -0.0894% | 5,587 |
| Pretax return on assets | -0.1400% | 5,592 |
| Return on Equity (ROE) | -0.6777% | 5,580 |
| Retained earnings to average equity (ytd only) | -0.6777% | 5,182 |
| Net charge-offs to loans | -0.1159% | 5,456 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5294% | 152 |
| Assets per employee ($millions) | 4.2393% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3145% | 368 |
| Loan loss allowance to noncurrent loans | 102.8541% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 2.3372% | 490 |
| Noncurrent loans to loans | 2.2503% | 716 |
| Net loans and leases to total assets | 80.7242% | 846 |
| Net loans and leases to deposits | 97.8041% | 910 |
| Net loans and leases to core deposits | 148.4295% | 132 |
| Total domestic deposits to total assets | 82.5366% | 3,713 |
| Equity capital to assets | 13.3354% | 1,211 |
| Core capital (leverage) ratio | 11.5376% | 1,945 |
| Tier 1 risk-based capital ratio | 14.0861% | 3,384 |
| Total risk-based capital ratio | 15.3631% | 3,277 |
| Memoranda: | ||
| Average total assets | $51,443,330 | 5,221 |
| Average earning assets | $47,458,330 | 5,206 |
| Average equity | $6,787,330 | 5,057 |
| Average total loans | $39,690,000 | 4,817 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2760% | 2,029 |
| Cost of funding earning assets | 0.4648% | 2,383 |
| Net interest margin | 3.8112% | 2,080 |
| Noninterest income to average assets | 0.2629% | 4,659 |
| Noninterest expense to average assets | 4.1369% | 462 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.2629% | 5,690 |
| Return on assets (ROA) | -0.2629% | 5,690 |
| Pretax return on assets | -0.3866% | 5,708 |
| Return on Equity (ROE) | -2.0032% | 5,681 |
| Retained earnings to average equity (ytd only) | -2.0032% | 5,168 |
| Net charge-offs to loans | -0.0415% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3093% | 124 |
| Assets per employee ($millions) | 4.6757% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4689% | 322 |
| Loan loss allowance to noncurrent loans | 247.1503% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 1.2230% | 1,426 |
| Noncurrent loans to loans | 0.9989% | 2,051 |
| Net loans and leases to total assets | 73.2740% | 1,859 |
| Net loans and leases to deposits | 87.4733% | 1,863 |
| Net loans and leases to core deposits | 125.8835% | 327 |
| Total domestic deposits to total assets | 83.7672% | 3,567 |
| Equity capital to assets | 13.1666% | 1,197 |
| Core capital (leverage) ratio | 11.6764% | 1,839 |
| Tier 1 risk-based capital ratio | 15.1572% | 2,896 |
| Total risk-based capital ratio | 16.4365% | 2,818 |
| Memoranda: | ||
| Average total assets | $51,729,000 | 5,278 |
| Average earning assets | $47,334,000 | 5,267 |
| Average equity | $6,789,000 | 5,102 |
| Average total loans | $38,515,500 | 4,905 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 1,690 |
| Cost of funding earning assets | 0.4242% | 2,767 |
| Net interest margin | 4.0260% | 1,569 |
| Noninterest income to average assets | 0.4540% | 3,515 |
| Noninterest expense to average assets | 3.9204% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1580% | 5,480 |
| Return on assets (ROA) | 0.1580% | 5,522 |
| Pretax return on assets | 0.2540% | 5,422 |
| Return on Equity (ROE) | 1.1655% | 5,542 |
| Retained earnings to average equity (ytd only) | 1.1655% | 4,825 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9147% | 382 |
| Assets per employee ($millions) | 4.3354% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4746% | 323 |
| Loan loss allowance to noncurrent loans | 246.1140% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 1.2090% | 1,490 |
| Noncurrent loans to loans | 1.0055% | 2,082 |
| Net loans and leases to total assets | 71.9654% | 2,170 |
| Net loans and leases to deposits | 85.8125% | 2,204 |
| Net loans and leases to core deposits | 131.0374% | 274 |
| Total domestic deposits to total assets | 83.8635% | 3,474 |
| Equity capital to assets | 13.0822% | 1,224 |
| Core capital (leverage) ratio | 12.6416% | 1,280 |
| Tier 1 risk-based capital ratio | 15.4016% | 2,789 |
| Total risk-based capital ratio | 16.6835% | 2,710 |
| Memoranda: | ||
| Average total assets | $49,995,200 | 5,346 |
| Average earning assets | $46,200,000 | 5,329 |
| Average equity | $6,778,400 | 5,140 |
| Average total loans | $38,965,400 | 4,913 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 1,428 |
| Cost of funding earning assets | 0.4405% | 2,629 |
| Net interest margin | 4.0985% | 1,391 |
| Noninterest income to average assets | 0.5254% | 3,077 |
| Noninterest expense to average assets | 4.0063% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1940% | 5,472 |
| Return on assets (ROA) | 0.1940% | 5,535 |
| Pretax return on assets | 0.3045% | 5,456 |
| Return on Equity (ROE) | 1.4177% | 5,575 |
| Retained earnings to average equity (ytd only) | 1.4177% | 4,944 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9375% | 433 |
| Assets per employee ($millions) | 4.0688% | 3,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5518% | 318 |
| Loan loss allowance to noncurrent loans | 246.1140% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.2882% | 1,494 |
| Noncurrent loans to loans | 1.0368% | 2,168 |
| Net loans and leases to total assets | 74.3026% | 1,814 |
| Net loans and leases to deposits | 89.7395% | 1,793 |
| Net loans and leases to core deposits | 116.8180% | 621 |
| Total domestic deposits to total assets | 82.7981% | 3,668 |
| Equity capital to assets | 13.9250% | 1,071 |
| Core capital (leverage) ratio | 11.8021% | 1,810 |
| Tier 1 risk-based capital ratio | 15.4889% | 2,836 |
| Total risk-based capital ratio | 16.7728% | 2,752 |
| Memoranda: | ||
| Average total assets | $49,487,750 | 5,409 |
| Average earning assets | $45,707,250 | 5,392 |
| Average equity | $6,771,500 | 5,188 |
| Average total loans | $39,109,250 | 4,953 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5199% | 1,465 |
| Cost of funding earning assets | 0.4394% | 2,660 |
| Net interest margin | 4.0805% | 1,414 |
| Noninterest income to average assets | 0.6679% | 2,289 |
| Noninterest expense to average assets | 4.0194% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.2495% | 5,428 |
| Return on assets (ROA) | 0.2495% | 5,497 |
| Pretax return on assets | 0.4225% | 5,300 |
| Return on Equity (ROE) | 1.8337% | 5,545 |
| Retained earnings to average equity (ytd only) | 1.8337% | 4,636 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4891% | 577 |
| Assets per employee ($millions) | 4.7554% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3546% | 429 |
| Loan loss allowance to noncurrent loans | 113.2300% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 2.0685% | 773 |
| Noncurrent loans to loans | 2.0795% | 944 |
| Net loans and leases to total assets | 75.3159% | 1,589 |
| Net loans and leases to deposits | 89.6895% | 1,787 |
| Net loans and leases to core deposits | 110.9556% | 875 |
| Total domestic deposits to total assets | 83.9741% | 3,276 |
| Equity capital to assets | 12.9786% | 1,515 |
| Core capital (leverage) ratio | 10.9686% | 2,465 |
| Tier 1 risk-based capital ratio | 13.1185% | 4,122 |
| Total risk-based capital ratio | 14.4017% | 4,030 |
| Memoranda: | ||
| Average total assets | $49,708,330 | 5,470 |
| Average earning assets | $45,974,670 | 5,448 |
| Average equity | $6,762,330 | 5,234 |
| Average total loans | $39,736,000 | 4,979 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6606% | 1,127 |
| Cost of funding earning assets | 0.4589% | 2,477 |
| Net interest margin | 4.2018% | 1,095 |
| Noninterest income to average assets | 1.1486% | 834 |
| Noninterest expense to average assets | 4.3960% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3636% | 5,098 |
| Return on assets (ROA) | 0.3636% | 5,182 |
| Pretax return on assets | 0.6115% | 4,786 |
| Return on Equity (ROE) | 2.6078% | 5,356 |
| Retained earnings to average equity (ytd only) | 2.6078% | 4,202 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7888% | 830 |
| Assets per employee ($millions) | 4.1453% | 3,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3672% | 462 |
| Loan loss allowance to noncurrent loans | 246.1140% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 1.2645% | 1,716 |
| Noncurrent loans to loans | 0.9618% | 2,453 |
| Net loans and leases to total assets | 78.7673% | 980 |
| Net loans and leases to deposits | 94.6745% | 1,076 |
| Net loans and leases to core deposits | 112.0478% | 747 |
| Total domestic deposits to total assets | 83.1980% | 3,826 |
| Equity capital to assets | 13.6117% | 1,136 |
| Core capital (leverage) ratio | 11.9988% | 1,603 |
| Tier 1 risk-based capital ratio | 14.1836% | 3,577 |
| Total risk-based capital ratio | 15.4637% | 3,490 |
| Memoranda: | ||
| Average total assets | $48,408,000 | 5,540 |
| Average earning assets | $44,457,500 | 5,543 |
| Average equity | $6,749,000 | 5,276 |
| Average total loans | $39,430,500 | 5,029 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 688 |
| Cost of funding earning assets | 0.5788% | 1,503 |
| Net interest margin | 4.3707% | 847 |
| Noninterest income to average assets | 0.4903% | 3,389 |
| Noninterest expense to average assets | 4.8669% | 312 |
| Loan and lease loss provision to assets | 0.0856% | 2,580 |
| Net operating income to assets | -0.3405% | 6,000 |
| Return on assets (ROA) | -0.3405% | 6,004 |
| Pretax return on assets | -0.5653% | 6,052 |
| Return on Equity (ROE) | -2.4832% | 5,995 |
| Retained earnings to average equity (ytd only) | -2.4832% | 5,782 |
| Net charge-offs to loans | 0.2185% | 1,350 |
| Credit loss provision to net charge-offs | 51.2821% | 3,385 |
| Earnings coverage of net charge-offs (x) | -2.8718% | 4,372 |
| Efficiency ratio | 110.9322% | 133 |
| Assets per employee ($millions) | 4.2793% | 3,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4529% | 424 |
| Loan loss allowance to noncurrent loans | 246.1140% | 1,953 |
| Noncurrent assets plus other real estate owned to assets | 3.5648% | 326 |
| Noncurrent loans to loans | 0.9967% | 2,345 |
| Net loans and leases to total assets | 80.2579% | 812 |
| Net loans and leases to deposits | 106.2581% | 355 |
| Net loans and leases to core deposits | 107.0560% | 1,043 |
| Total domestic deposits to total assets | 75.5311% | 5,494 |
| Equity capital to assets | 14.2909% | 838 |
| Core capital (leverage) ratio | 12.5566% | 1,322 |
| Tier 1 risk-based capital ratio | 14.3355% | 3,534 |
| Total risk-based capital ratio | 15.6207% | 3,425 |
| Memoranda: | ||
| Average total assets | $46,702,800 | 5,617 |
| Average earning assets | $41,640,800 | 5,639 |
| Average equity | $6,403,000 | 5,356 |
| Average total loans | $35,690,400 | 5,167 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 580 |
| Cost of funding earning assets | 0.6194% | 1,284 |
| Net interest margin | 4.4098% | 780 |
| Noninterest income to average assets | 0.7380% | 2,074 |
| Noninterest expense to average assets | 4.8743% | 310 |
| Loan and lease loss provision to assets | 0.0858% | 2,445 |
| Net operating income to assets | -0.2060% | 6,049 |
| Return on assets (ROA) | -0.2060% | 6,064 |
| Pretax return on assets | -0.3118% | 6,088 |
| Return on Equity (ROE) | -1.5185% | 6,045 |
| Retained earnings to average equity (ytd only) | -1.5185% | 5,808 |
| Net charge-offs to loans | 0.2977% | 898 |
| Credit loss provision to net charge-offs | 38.4615% | 3,177 |
| Earnings coverage of net charge-offs (x) | -1.0128% | 4,054 |
| Efficiency ratio | 104.8615% | 203 |
| Assets per employee ($millions) | 4.1441% | 3,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6405% | 356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.0891% | 283 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 76.0316% | 1,384 |
| Net loans and leases to deposits | 95.8464% | 1,022 |
| Net loans and leases to core deposits | 99.0031% | 1,605 |
| Total domestic deposits to total assets | 79.3265% | 4,902 |
| Equity capital to assets | 14.9479% | 745 |
| Core capital (leverage) ratio | 11.7071% | 1,878 |
| Tier 1 risk-based capital ratio | 14.7564% | 3,409 |
| Total risk-based capital ratio | 16.0448% | 3,342 |
| Memoranda: | ||
| Average total assets | $46,610,500 | 5,691 |
| Average earning assets | $41,330,750 | 5,717 |
| Average equity | $6,322,000 | 5,436 |
| Average total loans | $34,930,750 | 5,251 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 568 |
| Cost of funding earning assets | 0.6708% | 990 |
| Net interest margin | 4.3577% | 823 |
| Noninterest income to average assets | -0.1832% | 6,318 |
| Noninterest expense to average assets | 4.6217% | 381 |
| Loan and lease loss provision to assets | 0.0639% | 2,842 |
| Net operating income to assets | -0.5751% | 6,203 |
| Return on assets (ROA) | -0.5751% | 6,211 |
| Pretax return on assets | -1.0223% | 6,259 |
| Return on Equity (ROE) | -4.3845% | 6,181 |
| Retained earnings to average equity (ytd only) | -4.3845% | 5,993 |
| Net charge-offs to loans | 0.4495% | 570 |
| Credit loss provision to net charge-offs | 19.2308% | 3,023 |
| Earnings coverage of net charge-offs (x) | -2.8846% | 3,797 |
| Efficiency ratio | 126.1628% | 88 |
| Assets per employee ($millions) | 3.6575% | 4,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6338% | 405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 4.2147% | 301 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 71.9168% | 1,995 |
| Net loans and leases to deposits | 89.4993% | 1,658 |
| Net loans and leases to core deposits | 92.9086% | 2,074 |
| Total domestic deposits to total assets | 80.3546% | 4,786 |
| Equity capital to assets | 14.1983% | 913 |
| Core capital (leverage) ratio | 11.5710% | 1,947 |
| Tier 1 risk-based capital ratio | 14.1694% | 3,832 |
| Total risk-based capital ratio | 15.4570% | 3,738 |
| Memoranda: | ||
| Average total assets | $46,952,330 | 5,748 |
| Average earning assets | $41,444,000 | 5,777 |
| Average equity | $6,158,000 | 5,515 |
| Average total loans | $34,708,000 | 5,303 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4855% | 267 |
| Cost of funding earning assets | 0.7197% | 772 |
| Net interest margin | 4.7658% | 372 |
| Noninterest income to average assets | -0.3344% | 6,393 |
| Noninterest expense to average assets | 4.5269% | 423 |
| Loan and lease loss provision to assets | 0.1286% | 1,614 |
| Net operating income to assets | -0.4201% | 6,220 |
| Return on assets (ROA) | -0.4201% | 6,236 |
| Pretax return on assets | -0.7888% | 6,290 |
| Return on Equity (ROE) | -3.3439% | 6,222 |
| Retained earnings to average equity (ytd only) | -3.3439% | 5,818 |
| Net charge-offs to loans | 0.9507% | 252 |
| Credit loss provision to net charge-offs | 18.2927% | 2,377 |
| Earnings coverage of net charge-offs (x) | -0.9390% | 3,169 |
| Efficiency ratio | 117.0732% | 143 |
| Assets per employee ($millions) | 3.5879% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7162% | 400 |
| Loan loss allowance to noncurrent loans | 203.3113% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 4.3179% | 321 |
| Noncurrent loans to loans | 1.3360% | 2,155 |
| Net loans and leases to total assets | 70.7223% | 2,035 |
| Net loans and leases to deposits | 86.7782% | 1,739 |
| Net loans and leases to core deposits | 90.0989% | 2,118 |
| Total domestic deposits to total assets | 81.4978% | 4,671 |
| Equity capital to assets | 12.5142% | 1,688 |
| Core capital (leverage) ratio | 10.0477% | 3,536 |
| Tier 1 risk-based capital ratio | 14.1539% | 3,912 |
| Total risk-based capital ratio | 15.4199% | 3,829 |
| Memoranda: | ||
| Average total assets | $46,654,500 | 5,802 |
| Average earning assets | $41,126,500 | 5,837 |
| Average equity | $5,861,500 | 5,634 |
| Average total loans | $34,502,000 | 5,348 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6956% | 1,320 |
| Cost of funding earning assets | 0.7635% | 793 |
| Net interest margin | 3.9321% | 2,114 |
| Noninterest income to average assets | 0.2782% | 5,124 |
| Noninterest expense to average assets | 4.4329% | 489 |
| Loan and lease loss provision to assets | 0.4244% | 407 |
| Net operating income to assets | -0.6478% | 6,326 |
| Return on assets (ROA) | -0.6478% | 6,322 |
| Pretax return on assets | -1.0965% | 6,383 |
| Return on Equity (ROE) | -5.2979% | 6,292 |
| Retained earnings to average equity (ytd only) | -5.2979% | 6,187 |
| Net charge-offs to loans | 0.0027% | 4,912 |
| Credit loss provision to net charge-offs | 20,900.0000% | 10 |
| Earnings coverage of net charge-offs (x) | -331.0000% | 4,964 |
| Efficiency ratio | 117.8726% | 139 |
| Assets per employee ($millions) | 3.8888% | 4,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8151% | 368 |
| Loan loss allowance to noncurrent loans | 84.2285% | 4,129 |
| Noncurrent assets plus other real estate owned to assets | 5.5287% | 230 |
| Noncurrent loans to loans | 3.3423% | 635 |
| Net loans and leases to total assets | 73.0896% | 1,740 |
| Net loans and leases to deposits | 84.0119% | 2,215 |
| Net loans and leases to core deposits | 87.0124% | 2,607 |
| Total domestic deposits to total assets | 86.9991% | 2,288 |
| Equity capital to assets | 12.6130% | 1,581 |
| Core capital (leverage) ratio | 9.7460% | 3,907 |
| Tier 1 risk-based capital ratio | 13.5032% | 4,412 |
| Total risk-based capital ratio | 14.7758% | 4,335 |
| Memoranda: | ||
| Average total assets | $49,245,400 | 5,802 |
| Average earning assets | $43,615,000 | 5,837 |
| Average equity | $6,021,200 | 5,616 |
| Average total loans | $36,684,800 | 5,303 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 1,231 |
| Cost of funding earning assets | 0.7715% | 792 |
| Net interest margin | 3.9602% | 1,996 |
| Noninterest income to average assets | 0.1577% | 5,966 |
| Noninterest expense to average assets | 4.0060% | 748 |
| Loan and lease loss provision to assets | 0.5398% | 270 |
| Net operating income to assets | -0.5211% | 6,375 |
| Return on assets (ROA) | -0.5211% | 6,371 |
| Pretax return on assets | -0.8766% | 6,434 |
| Return on Equity (ROE) | -4.2938% | 6,350 |
| Retained earnings to average equity (ytd only) | -4.2938% | 6,226 |
| Net charge-offs to loans | 0.0755% | 3,120 |
| Credit loss provision to net charge-offs | 961.9048% | 340 |
| Earnings coverage of net charge-offs (x) | -6.0000% | 4,615 |
| Efficiency ratio | 109.1770% | 228 |
| Assets per employee ($millions) | 4.7684% | 2,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7799% | 447 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 5.4693% | 280 |
| Noncurrent loans to loans | 2.7799% | 1,004 |
| Net loans and leases to total assets | 70.9966% | 2,025 |
| Net loans and leases to deposits | 81.7591% | 2,459 |
| Net loans and leases to core deposits | 82.2837% | 3,073 |
| Total domestic deposits to total assets | 86.8363% | 2,401 |
| Equity capital to assets | 12.6038% | 1,637 |
| Core capital (leverage) ratio | 10.1824% | 3,434 |
| Tier 1 risk-based capital ratio | 14.7699% | 3,718 |
| Total risk-based capital ratio | 16.0430% | 3,646 |
| Memoranda: | ||
| Average total assets | $49,890,250 | 5,854 |
| Average earning assets | $44,238,750 | 5,896 |
| Average equity | $6,055,000 | 5,666 |
| Average total loans | $37,082,000 | 5,341 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 1,190 |
| Cost of funding earning assets | 0.7829% | 777 |
| Net interest margin | 3.9632% | 1,923 |
| Noninterest income to average assets | -0.4109% | 6,646 |
| Noninterest expense to average assets | 4.0414% | 725 |
| Loan and lease loss provision to assets | 0.7072% | 186 |
| Net operating income to assets | -0.9639% | 6,522 |
| Return on assets (ROA) | -0.9639% | 6,520 |
| Pretax return on assets | -1.6197% | 6,569 |
| Return on Equity (ROE) | -8.0395% | 6,492 |
| Retained earnings to average equity (ytd only) | -8.0395% | 6,377 |
| Net charge-offs to loans | 0.2326% | 1,647 |
| Credit loss provision to net charge-offs | 406.8182% | 686 |
| Earnings coverage of net charge-offs (x) | -5.2500% | 4,290 |
| Efficiency ratio | 129.1667% | 104 |
| Assets per employee ($millions) | 4.2701% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4901% | 723 |
| Loan loss allowance to noncurrent loans | 84.4875% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 6.3571% | 222 |
| Noncurrent loans to loans | 2.9473% | 1,001 |
| Net loans and leases to total assets | 76.2811% | 1,129 |
| Net loans and leases to deposits | 87.7348% | 1,624 |
| Net loans and leases to core deposits | 88.3056% | 2,281 |
| Total domestic deposits to total assets | 86.9451% | 2,480 |
| Equity capital to assets | 12.6908% | 1,545 |
| Core capital (leverage) ratio | 9.9482% | 3,683 |
| Tier 1 risk-based capital ratio | 13.9291% | 4,294 |
| Total risk-based capital ratio | 15.1967% | 4,230 |
| Memoranda: | ||
| Average total assets | $50,625,670 | 5,887 |
| Average earning assets | $45,216,330 | 5,910 |
| Average equity | $6,070,000 | 5,699 |
| Average total loans | $37,835,330 | 5,345 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,375 |
| Cost of funding earning assets | 0.7848% | 807 |
| Net interest margin | 3.8649% | 2,212 |
| Noninterest income to average assets | -0.4347% | 6,711 |
| Noninterest expense to average assets | 4.2247% | 587 |
| Loan and lease loss provision to assets | 0.7016% | 172 |
| Net operating income to assets | -1.2354% | 6,608 |
| Return on assets (ROA) | -1.2354% | 6,603 |
| Pretax return on assets | -1.8683% | 6,638 |
| Return on Equity (ROE) | -10.5805% | 6,569 |
| Retained earnings to average equity (ytd only) | -10.5805% | 6,381 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.1546% | 94 |
| Assets per employee ($millions) | 4.6164% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2855% | 1,053 |
| Loan loss allowance to noncurrent loans | 121.6179% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 5.2639% | 375 |
| Noncurrent loans to loans | 1.8792% | 2,026 |
| Net loans and leases to total assets | 73.4187% | 1,367 |
| Net loans and leases to deposits | 83.4703% | 1,881 |
| Net loans and leases to core deposits | 86.5072% | 2,265 |
| Total domestic deposits to total assets | 87.9579% | 2,254 |
| Equity capital to assets | 11.9023% | 1,938 |
| Core capital (leverage) ratio | 9.7020% | 3,996 |
| Tier 1 risk-based capital ratio | 14.2709% | 4,151 |
| Total risk-based capital ratio | 15.5370% | 4,089 |
| Memoranda: | ||
| Average total assets | $52,453,000 | 5,905 |
| Average earning assets | $47,401,500 | 5,905 |
| Average equity | $6,124,500 | 5,720 |
| Average total loans | $38,380,500 | 5,378 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9819% | 947 |
| Cost of funding earning assets | 0.8594% | 913 |
| Net interest margin | 4.1225% | 1,582 |
| Noninterest income to average assets | 0.2322% | 5,683 |
| Noninterest expense to average assets | 2.8974% | 3,377 |
| Loan and lease loss provision to assets | 0.2519% | 1,435 |
| Net operating income to assets | 0.4466% | 4,967 |
| Return on assets (ROA) | 0.4466% | 5,096 |
| Pretax return on assets | 0.7502% | 4,340 |
| Return on Equity (ROE) | 4.1082% | 5,058 |
| Retained earnings to average equity (ytd only) | 4.1082% | 3,255 |
| Net charge-offs to loans | 0.6152% | 1,066 |
| Credit loss provision to net charge-offs | 57.0850% | 3,650 |
| Earnings coverage of net charge-offs (x) | 2.2713% | 4,259 |
| Efficiency ratio | 74.3014% | 3,081 |
| Assets per employee ($millions) | 4.9205% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0204% | 1,506 |
| Loan loss allowance to noncurrent loans | 85.5263% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 5.5057% | 387 |
| Noncurrent loans to loans | 2.3623% | 1,627 |
| Net loans and leases to total assets | 69.8869% | 2,030 |
| Net loans and leases to deposits | 79.5403% | 2,514 |
| Net loans and leases to core deposits | 82.2505% | 2,867 |
| Total domestic deposits to total assets | 87.8635% | 2,262 |
| Equity capital to assets | 11.4640% | 2,194 |
| Core capital (leverage) ratio | 10.0448% | 3,503 |
| Tier 1 risk-based capital ratio | 14.0674% | 4,255 |
| Total risk-based capital ratio | 15.3256% | 4,191 |
| Memoranda: | ||
| Average total assets | $55,981,800 | 5,871 |
| Average earning assets | $49,800,200 | 5,896 |
| Average equity | $6,085,400 | 5,802 |
| Average total loans | $40,152,200 | 5,337 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1115% | 759 |
| Cost of funding earning assets | 0.8812% | 900 |
| Net interest margin | 4.2303% | 1,246 |
| Noninterest income to average assets | 0.4275% | 4,317 |
| Noninterest expense to average assets | 2.8558% | 3,460 |
| Loan and lease loss provision to assets | 0.5669% | 451 |
| Net operating income to assets | 0.4535% | 5,015 |
| Return on assets (ROA) | 0.4535% | 5,151 |
| Pretax return on assets | 0.7582% | 4,462 |
| Return on Equity (ROE) | 4.2274% | 5,119 |
| Retained earnings to average equity (ytd only) | 4.2274% | 3,678 |
| Net charge-offs to loans | 0.8124% | 721 |
| Credit loss provision to net charge-offs | 97.1660% | 2,463 |
| Earnings coverage of net charge-offs (x) | 2.2712% | 4,086 |
| Efficiency ratio | 68.3051% | 4,036 |
| Assets per employee ($millions) | 5.4688% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2467% | 1,258 |
| Loan loss allowance to noncurrent loans | 374.0426% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 4.6208% | 637 |
| Noncurrent loans to loans | 0.6007% | 4,694 |
| Net loans and leases to total assets | 69.9331% | 1,984 |
| Net loans and leases to deposits | 79.4190% | 2,488 |
| Net loans and leases to core deposits | 82.0867% | 2,864 |
| Total domestic deposits to total assets | 88.0559% | 2,098 |
| Equity capital to assets | 11.2401% | 2,522 |
| Core capital (leverage) ratio | 9.5115% | 4,386 |
| Tier 1 risk-based capital ratio | 13.1676% | 5,000 |
| Total risk-based capital ratio | 14.4315% | 4,940 |
| Memoranda: | ||
| Average total assets | $56,445,750 | 5,918 |
| Average earning assets | $50,081,750 | 5,952 |
| Average equity | $6,055,500 | 5,880 |
| Average total loans | $40,538,500 | 5,375 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1652% | 678 |
| Cost of funding earning assets | 0.9019% | 886 |
| Net interest margin | 4.2632% | 1,109 |
| Noninterest income to average assets | 0.5260% | 3,660 |
| Noninterest expense to average assets | 2.8510% | 3,510 |
| Loan and lease loss provision to assets | 0.7540% | 290 |
| Net operating income to assets | 0.5225% | 4,708 |
| Return on assets (ROA) | 0.5225% | 4,870 |
| Pretax return on assets | 0.6838% | 4,736 |
| Return on Equity (ROE) | 4.9461% | 4,757 |
| Retained earnings to average equity (ytd only) | 4.9461% | 3,089 |
| Net charge-offs to loans | 1.2095% | 476 |
| Credit loss provision to net charge-offs | 86.6935% | 2,504 |
| Earnings coverage of net charge-offs (x) | 1.6532% | 3,977 |
| Efficiency ratio | 66.4759% | 4,456 |
| Assets per employee ($millions) | 5.1426% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1732% | 1,478 |
| Loan loss allowance to noncurrent loans | 209.5823% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 4.7871% | 660 |
| Noncurrent loans to loans | 1.0369% | 3,861 |
| Net loans and leases to total assets | 67.8782% | 2,268 |
| Net loans and leases to deposits | 76.7377% | 2,764 |
| Net loans and leases to core deposits | 79.2136% | 3,126 |
| Total domestic deposits to total assets | 88.4548% | 1,947 |
| Equity capital to assets | 10.7886% | 2,954 |
| Core capital (leverage) ratio | 9.2798% | 4,578 |
| Tier 1 risk-based capital ratio | 12.9315% | 5,194 |
| Total risk-based capital ratio | 14.1835% | 5,125 |
| Memoranda: | ||
| Average total assets | $57,031,670 | 5,943 |
| Average earning assets | $50,337,330 | 5,984 |
| Average equity | $6,025,000 | 5,929 |
| Average total loans | $41,010,000 | 5,375 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3140% | 502 |
| Cost of funding earning assets | 0.9546% | 768 |
| Net interest margin | 4.3594% | 864 |
| Noninterest income to average assets | 0.5239% | 3,612 |
| Noninterest expense to average assets | 2.8221% | 3,624 |
| Loan and lease loss provision to assets | 0.8033% | 268 |
| Net operating income to assets | 0.4331% | 4,988 |
| Return on assets (ROA) | 0.4331% | 5,147 |
| Pretax return on assets | 0.7265% | 4,459 |
| Return on Equity (ROE) | 4.1430% | 5,020 |
| Retained earnings to average equity (ytd only) | 4.1430% | 3,734 |
| Net charge-offs to loans | 2.3777% | 180 |
| Credit loss provision to net charge-offs | 46.1847% | 2,658 |
| Earnings coverage of net charge-offs (x) | 0.8795% | 3,542 |
| Efficiency ratio | 64.8475% | 4,851 |
| Assets per employee ($millions) | 5.1052% | 2,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8445% | 2,465 |
| Loan loss allowance to noncurrent loans | 125.1248% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 5.1677% | 687 |
| Noncurrent loans to loans | 1.4741% | 3,349 |
| Net loans and leases to total assets | 71.2609% | 1,482 |
| Net loans and leases to deposits | 80.4948% | 2,021 |
| Net loans and leases to core deposits | 82.2468% | 2,538 |
| Total domestic deposits to total assets | 88.5286% | 1,986 |
| Equity capital to assets | 10.7146% | 3,304 |
| Core capital (leverage) ratio | 8.9222% | 5,024 |
| Tier 1 risk-based capital ratio | 12.3934% | 5,651 |
| Total risk-based capital ratio | 13.4181% | 5,769 |
| Memoranda: | ||
| Average total assets | $57,263,000 | 5,983 |
| Average earning assets | $50,282,000 | 6,042 |
| Average equity | $5,986,000 | 5,988 |
| Average total loans | $41,889,500 | 5,380 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2247% | 1,069 |
| Cost of funding earning assets | 1.0921% | 937 |
| Net interest margin | 4.1327% | 1,878 |
| Noninterest income to average assets | -1.7169% | 7,074 |
| Noninterest expense to average assets | 2.6067% | 4,720 |
| Loan and lease loss provision to assets | 0.7837% | 623 |
| Net operating income to assets | -0.8932% | 6,708 |
| Return on assets (ROA) | -0.8932% | 6,729 |
| Pretax return on assets | -1.5101% | 6,849 |
| Return on Equity (ROE) | -8.2623% | 6,688 |
| Retained earnings to average equity (ytd only) | -8.2623% | 6,585 |
| Net charge-offs to loans | 1.3898% | 662 |
| Credit loss provision to net charge-offs | 80.3922% | 3,820 |
| Earnings coverage of net charge-offs (x) | -0.7451% | 5,721 |
| Efficiency ratio | 138.6322% | 122 |
| Assets per employee ($millions) | 5.8369% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0600% | 1,860 |
| Loan loss allowance to noncurrent loans | 87.2047% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 5.6828% | 646 |
| Noncurrent loans to loans | 2.3623% | 2,279 |
| Net loans and leases to total assets | 72.1667% | 1,458 |
| Net loans and leases to deposits | 81.4869% | 2,076 |
| Net loans and leases to core deposits | 83.1895% | 2,645 |
| Total domestic deposits to total assets | 88.5624% | 1,860 |
| Equity capital to assets | 10.2023% | 3,887 |
| Core capital (leverage) ratio | 8.6422% | 5,406 |
| Tier 1 risk-based capital ratio | 11.2563% | 6,241 |
| Total risk-based capital ratio | 12.4960% | 6,212 |
| Memoranda: | ||
| Average total assets | $57,544,200 | 5,984 |
| Average earning assets | $50,088,800 | 6,049 |
| Average equity | $6,221,000 | 5,964 |
| Average total loans | $40,365,800 | 5,487 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1913% | 1,220 |
| Cost of funding earning assets | 1.1321% | 938 |
| Net interest margin | 4.0593% | 2,261 |
| Noninterest income to average assets | -2.3346% | 7,178 |
| Noninterest expense to average assets | 2.6462% | 4,583 |
| Loan and lease loss provision to assets | 0.9929% | 412 |
| Net operating income to assets | -1.4650% | 6,959 |
| Return on assets (ROA) | -1.4650% | 6,971 |
| Pretax return on assets | -2.4718% | 7,075 |
| Return on Equity (ROE) | -13.3595% | 6,906 |
| Retained earnings to average equity (ytd only) | -13.3595% | 6,877 |
| Net charge-offs to loans | 1.8872% | 400 |
| Credit loss provision to net charge-offs | 75.9786% | 3,738 |
| Earnings coverage of net charge-offs (x) | -1.1317% | 5,585 |
| Efficiency ratio | 226.6932% | 29 |
| Assets per employee ($millions) | 5.1235% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1022% | 1,900 |
| Loan loss allowance to noncurrent loans | 76.1273% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 6.9572% | 520 |
| Noncurrent loans to loans | 2.7614% | 2,047 |
| Net loans and leases to total assets | 71.1457% | 1,702 |
| Net loans and leases to deposits | 80.5614% | 2,303 |
| Net loans and leases to core deposits | 84.0537% | 2,688 |
| Total domestic deposits to total assets | 88.3124% | 1,839 |
| Equity capital to assets | 10.3657% | 3,991 |
| Core capital (leverage) ratio | 8.2978% | 6,016 |
| Tier 1 risk-based capital ratio | 10.8006% | 6,563 |
| Total risk-based capital ratio | 12.0614% | 6,536 |
| Memoranda: | ||
| Average total assets | $57,338,000 | 6,057 |
| Average earning assets | $49,466,000 | 6,137 |
| Average equity | $6,287,500 | 6,011 |
| Average total loans | $39,705,000 | 5,589 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1528% | 1,368 |
| Cost of funding earning assets | 1.1626% | 971 |
| Net interest margin | 3.9902% | 2,546 |
| Noninterest income to average assets | -0.8532% | 7,215 |
| Noninterest expense to average assets | 2.7677% | 4,143 |
| Loan and lease loss provision to assets | 0.2081% | 2,994 |
| Net operating income to assets | -0.2393% | 6,571 |
| Return on assets (ROA) | -0.2393% | 6,633 |
| Pretax return on assets | -0.4127% | 6,704 |
| Return on Equity (ROE) | -2.1442% | 6,628 |
| Retained earnings to average equity (ytd only) | -2.1442% | 6,374 |
| Net charge-offs to loans | 1.3134% | 806 |
| Credit loss provision to net charge-offs | 23.2558% | 4,557 |
| Earnings coverage of net charge-offs (x) | -0.2287% | 5,169 |
| Efficiency ratio | 107.9838% | 363 |
| Assets per employee ($millions) | 5.1302% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0624% | 2,077 |
| Loan loss allowance to noncurrent loans | 55.1105% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 9.2518% | 316 |
| Noncurrent loans to loans | 3.7423% | 1,508 |
| Net loans and leases to total assets | 67.1516% | 2,438 |
| Net loans and leases to deposits | 77.4047% | 2,770 |
| Net loans and leases to core deposits | 81.4263% | 3,033 |
| Total domestic deposits to total assets | 86.7540% | 2,922 |
| Equity capital to assets | 11.3517% | 2,736 |
| Core capital (leverage) ratio | 9.6811% | 3,861 |
| Tier 1 risk-based capital ratio | 13.1602% | 5,072 |
| Total risk-based capital ratio | 14.4198% | 5,038 |
| Memoranda: | ||
| Average total assets | $57,664,330 | 6,086 |
| Average earning assets | $49,371,000 | 6,178 |
| Average equity | $6,436,000 | 6,002 |
| Average total loans | $39,287,330 | 5,635 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2019% | 1,314 |
| Cost of funding earning assets | 1.1961% | 1,006 |
| Net interest margin | 4.0058% | 2,479 |
| Noninterest income to average assets | -1.0707% | 7,283 |
| Noninterest expense to average assets | 2.6698% | 4,546 |
| Loan and lease loss provision to assets | 0.4118% | 1,530 |
| Net operating income to assets | -0.4255% | 6,786 |
| Return on assets (ROA) | -0.4255% | 6,819 |
| Pretax return on assets | -0.7275% | 6,907 |
| Return on Equity (ROE) | -3.8444% | 6,797 |
| Retained earnings to average equity (ytd only) | -3.8444% | 6,476 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.4111% | 297 |
| Assets per employee ($millions) | 5.3295% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6688% | 1,157 |
| Loan loss allowance to noncurrent loans | 51.9429% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 10.0623% | 293 |
| Noncurrent loans to loans | 5.1380% | 1,074 |
| Net loans and leases to total assets | 65.6921% | 2,523 |
| Net loans and leases to deposits | 75.2820% | 2,928 |
| Net loans and leases to core deposits | 78.4470% | 3,269 |
| Total domestic deposits to total assets | 87.2614% | 2,794 |
| Equity capital to assets | 10.9458% | 2,969 |
| Core capital (leverage) ratio | 10.1138% | 3,221 |
| Tier 1 risk-based capital ratio | 13.2209% | 5,055 |
| Total risk-based capital ratio | 14.4869% | 5,021 |
| Memoranda: | ||
| Average total assets | $58,280,500 | 6,111 |
| Average earning assets | $49,827,500 | 6,201 |
| Average equity | $6,451,000 | 6,025 |
| Average total loans | $39,584,500 | 5,662 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 4,875 |
| Cost of funding earning assets | 1.4663% | 814 |
| Net interest margin | 3.0832% | 6,378 |
| Noninterest income to average assets | 0.5545% | 3,476 |
| Noninterest expense to average assets | 2.7110% | 4,705 |
| Loan and lease loss provision to assets | 0.2788% | 3,433 |
| Net operating income to assets | 0.1150% | 5,833 |
| Return on assets (ROA) | 0.1150% | 5,956 |
| Pretax return on assets | 0.2111% | 5,756 |
| Return on Equity (ROE) | 1.1309% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.1309% | 5,327 |
| Net charge-offs to loans | 2.6117% | 429 |
| Credit loss provision to net charge-offs | 17.7889% | 5,943 |
| Earnings coverage of net charge-offs (x) | 0.3126% | 5,591 |
| Efficiency ratio | 84.6949% | 1,693 |
| Assets per employee ($millions) | 4.8280% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5151% | 1,295 |
| Loan loss allowance to noncurrent loans | 47.2038% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 10.6341% | 289 |
| Noncurrent loans to loans | 5.3281% | 1,015 |
| Net loans and leases to total assets | 66.6339% | 2,656 |
| Net loans and leases to deposits | 77.0620% | 2,987 |
| Net loans and leases to core deposits | 80.4522% | 3,397 |
| Total domestic deposits to total assets | 86.4678% | 3,045 |
| Equity capital to assets | 11.1934% | 2,801 |
| Core capital (leverage) ratio | 9.5947% | 3,880 |
| Tier 1 risk-based capital ratio | 13.4602% | 4,726 |
| Total risk-based capital ratio | 14.7246% | 4,676 |
| Memoranda: | ||
| Average total assets | $63,481,400 | 5,940 |
| Average earning assets | $54,489,200 | 6,027 |
| Average equity | $6,455,000 | 6,025 |
| Average total loans | $38,097,800 | 5,781 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 5,526 |
| Cost of funding earning assets | 1.5031% | 853 |
| Net interest margin | 2.9201% | 6,724 |
| Noninterest income to average assets | 0.6248% | 3,024 |
| Noninterest expense to average assets | 2.7419% | 4,574 |
| Loan and lease loss provision to assets | 0.3638% | 2,681 |
| Net operating income to assets | 0.0288% | 6,118 |
| Return on assets (ROA) | 0.0288% | 6,212 |
| Pretax return on assets | 0.0308% | 6,189 |
| Return on Equity (ROE) | 0.2896% | 6,202 |
| Retained earnings to average equity (ytd only) | 0.2896% | 5,867 |
| Net charge-offs to loans | 3.5204% | 217 |
| Credit loss provision to net charge-offs | 17.7711% | 5,591 |
| Earnings coverage of net charge-offs (x) | 0.1928% | 5,450 |
| Efficiency ratio | 87.4181% | 1,396 |
| Assets per employee ($millions) | 6.3027% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7031% | 1,126 |
| Loan loss allowance to noncurrent loans | 56.3739% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 8.0693% | 544 |
| Noncurrent loans to loans | 4.7950% | 1,341 |
| Net loans and leases to total assets | 47.3530% | 6,022 |
| Net loans and leases to deposits | 52.8113% | 6,309 |
| Net loans and leases to core deposits | 53.6869% | 6,479 |
| Total domestic deposits to total assets | 89.6644% | 1,064 |
| Equity capital to assets | 8.5043% | 6,290 |
| Core capital (leverage) ratio | 8.5523% | 5,633 |
| Tier 1 risk-based capital ratio | 13.8553% | 4,450 |
| Total risk-based capital ratio | 15.1206% | 4,399 |
| Memoranda: | ||
| Average total assets | $64,867,750 | 5,942 |
| Average earning assets | $55,795,000 | 6,036 |
| Average equity | $6,447,500 | 6,070 |
| Average total loans | $37,722,000 | 5,853 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7370% | 4,358 |
| Cost of funding earning assets | 1.6340% | 613 |
| Net interest margin | 3.1030% | 6,403 |
| Noninterest income to average assets | 0.5287% | 3,638 |
| Noninterest expense to average assets | 2.8623% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1926% | 5,761 |
| Return on assets (ROA) | 0.1926% | 5,877 |
| Pretax return on assets | 0.3068% | 5,655 |
| Return on Equity (ROE) | 1.8287% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.8287% | 5,073 |
| Net charge-offs to loans | 1.7093% | 839 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 0.2892% | 5,091 |
| Efficiency ratio | 90.3193% | 1,221 |
| Assets per employee ($millions) | 5.2004% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9852% | 419 |
| Loan loss allowance to noncurrent loans | 51.4513% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 14.5261% | 161 |
| Noncurrent loans to loans | 7.7456% | 604 |
| Net loans and leases to total assets | 57.4858% | 4,726 |
| Net loans and leases to deposits | 66.1199% | 4,990 |
| Net loans and leases to core deposits | 67.4932% | 5,340 |
| Total domestic deposits to total assets | 86.9418% | 2,775 |
| Equity capital to assets | 10.3886% | 3,647 |
| Core capital (leverage) ratio | 9.2288% | 4,355 |
| Tier 1 risk-based capital ratio | 13.5769% | 4,473 |
| Total risk-based capital ratio | 14.8554% | 4,432 |
| Memoranda: | ||
| Average total assets | $61,279,670 | 6,099 |
| Average earning assets | $52,143,000 | 6,215 |
| Average equity | $6,452,670 | 6,101 |
| Average total loans | $38,026,330 | 5,888 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 4,560 |
| Cost of funding earning assets | 1.6047% | 801 |
| Net interest margin | 3.0866% | 6,381 |
| Noninterest income to average assets | 0.3228% | 5,344 |
| Noninterest expense to average assets | 2.7406% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1515% | 5,940 |
| Return on assets (ROA) | 0.1515% | 5,997 |
| Pretax return on assets | 0.2306% | 5,864 |
| Return on Equity (ROE) | 1.4291% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.4291% | 5,249 |
| Net charge-offs to loans | 0.8760% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.4167% | 4,310 |
| Efficiency ratio | 92.2395% | 1,145 |
| Assets per employee ($millions) | 5.0247% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4674% | 291 |
| Loan loss allowance to noncurrent loans | 38.8241% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 16.6047% | 111 |
| Noncurrent loans to loans | 11.5068% | 307 |
| Net loans and leases to total assets | 61.3556% | 4,000 |
| Net loans and leases to deposits | 70.8703% | 4,214 |
| Net loans and leases to core deposits | 73.3868% | 4,608 |
| Total domestic deposits to total assets | 86.5746% | 3,195 |
| Equity capital to assets | 10.6923% | 2,997 |
| Core capital (leverage) ratio | 9.3599% | 4,036 |
| Tier 1 risk-based capital ratio | 13.2822% | 4,593 |
| Total risk-based capital ratio | 14.5671% | 4,542 |
| Memoranda: | ||
| Average total assets | $60,717,000 | 6,164 |
| Average earning assets | $52,096,500 | 6,268 |
| Average equity | $6,437,500 | 6,111 |
| Average total loans | $38,358,000 | 5,925 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6273% | 6,033 |
| Cost of funding earning assets | 1.7630% | 1,325 |
| Net interest margin | 2.8642% | 6,949 |
| Noninterest income to average assets | 0.7836% | 2,358 |
| Noninterest expense to average assets | 2.8872% | 4,290 |
| Loan and lease loss provision to assets | -0.3256% | 7,638 |
| Net operating income to assets | 0.4182% | 4,470 |
| Return on assets (ROA) | 0.4182% | 4,597 |
| Pretax return on assets | 0.7294% | 3,873 |
| Return on Equity (ROE) | 4.0507% | 4,499 |
| Retained earnings to average equity (ytd only) | 4.0507% | 3,023 |
| Net charge-offs to loans | -1.3164% | 7,607 |
| Credit loss provision to net charge-offs | 39.0805% | 6,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7304% | 1,502 |
| Assets per employee ($millions) | 5.0948% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7748% | 224 |
| Loan loss allowance to noncurrent loans | 36.8325% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 15.4110% | 151 |
| Noncurrent loans to loans | 12.9636% | 238 |
| Net loans and leases to total assets | 59.1727% | 4,810 |
| Net loans and leases to deposits | 68.5885% | 5,022 |
| Net loans and leases to core deposits | 71.4142% | 5,282 |
| Total domestic deposits to total assets | 86.2720% | 3,215 |
| Equity capital to assets | 10.5139% | 3,141 |
| Core capital (leverage) ratio | 8.8408% | 4,789 |
| Tier 1 risk-based capital ratio | 13.2845% | 4,386 |
| Total risk-based capital ratio | 14.5734% | 4,319 |
| Memoranda: | ||
| Average total assets | $62,655,800 | 6,106 |
| Average earning assets | $54,848,600 | 6,179 |
| Average equity | $6,468,000 | 6,212 |
| Average total loans | $39,653,400 | 5,934 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5651% | 6,430 |
| Cost of funding earning assets | 1.7803% | 1,505 |
| Net interest margin | 2.7848% | 7,148 |
| Noninterest income to average assets | 1.0787% | 1,232 |
| Noninterest expense to average assets | 2.7624% | 4,631 |
| Loan and lease loss provision to assets | -0.1333% | 7,702 |
| Net operating income to assets | 0.4844% | 4,384 |
| Return on assets (ROA) | 0.4844% | 4,581 |
| Pretax return on assets | 0.8947% | 3,579 |
| Return on Equity (ROE) | 4.7133% | 4,444 |
| Retained earnings to average equity (ytd only) | 4.7133% | 3,182 |
| Net charge-offs to loans | -1.4774% | 7,706 |
| Credit loss provision to net charge-offs | 14.1892% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3914% | 2,568 |
| Assets per employee ($millions) | 5.4593% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5825% | 236 |
| Loan loss allowance to noncurrent loans | 26.1530% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 13.9229% | 195 |
| Noncurrent loans to loans | 17.5220% | 111 |
| Net loans and leases to total assets | 59.6587% | 4,973 |
| Net loans and leases to deposits | 68.3532% | 5,372 |
| Net loans and leases to core deposits | 71.1946% | 5,613 |
| Total domestic deposits to total assets | 87.2800% | 2,383 |
| Equity capital to assets | 9.7800% | 4,441 |
| Core capital (leverage) ratio | 8.3294% | 5,820 |
| Tier 1 risk-based capital ratio | 12.4414% | 5,038 |
| Total risk-based capital ratio | 13.7297% | 4,977 |
| Memoranda: | ||
| Average total assets | $63,035,250 | 6,159 |
| Average earning assets | $55,346,500 | 6,221 |
| Average equity | $6,478,000 | 6,288 |
| Average total loans | $40,069,000 | 6,000 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5289% | 6,640 |
| Cost of funding earning assets | 1.7319% | 1,956 |
| Net interest margin | 2.7971% | 7,146 |
| Noninterest income to average assets | 1.6267% | 491 |
| Noninterest expense to average assets | 2.7488% | 4,704 |
| Loan and lease loss provision to assets | -0.2025% | 7,782 |
| Net operating income to assets | 0.9420% | 2,397 |
| Return on assets (ROA) | 0.9420% | 2,487 |
| Pretax return on assets | 1.5624% | 1,399 |
| Return on Equity (ROE) | 9.0131% | 2,459 |
| Retained earnings to average equity (ytd only) | 9.0131% | 1,102 |
| Net charge-offs to loans | -3.3390% | 7,778 |
| Credit loss provision to net charge-offs | 9.4880% | 5,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9014% | 4,785 |
| Assets per employee ($millions) | 5.3177% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1345% | 159 |
| Loan loss allowance to noncurrent loans | 29.5685% | 6,395 |
| Noncurrent assets plus other real estate owned to assets | 13.2138% | 209 |
| Noncurrent loans to loans | 17.3649% | 123 |
| Net loans and leases to total assets | 60.7159% | 4,928 |
| Net loans and leases to deposits | 70.2916% | 5,232 |
| Net loans and leases to core deposits | 72.8709% | 5,573 |
| Total domestic deposits to total assets | 86.3772% | 2,881 |
| Equity capital to assets | 10.1439% | 3,840 |
| Core capital (leverage) ratio | 8.7287% | 5,037 |
| Tier 1 risk-based capital ratio | 12.7700% | 4,630 |
| Total risk-based capital ratio | 14.0646% | 4,554 |
| Memoranda: | ||
| Average total assets | $62,210,000 | 6,226 |
| Average earning assets | $55,201,000 | 6,271 |
| Average equity | $6,501,670 | 6,297 |
| Average total loans | $39,772,000 | 6,057 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4198% | 6,965 |
| Cost of funding earning assets | 1.7011% | 2,382 |
| Net interest margin | 2.7187% | 7,276 |
| Noninterest income to average assets | 3.4002% | 190 |
| Noninterest expense to average assets | 2.4882% | 5,772 |
| Loan and lease loss provision to assets | -4.2469% | 7,933 |
| Net operating income to assets | 4.5010% | 46 |
| Return on assets (ROA) | 4.5010% | 48 |
| Pretax return on assets | 7.5429% | 36 |
| Return on Equity (ROE) | 42.4187% | 36 |
| Retained earnings to average equity (ytd only) | 42.4187% | 28 |
| Net charge-offs to loans | -7.2176% | 7,880 |
| Credit loss provision to net charge-offs | 92.0904% | 3,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0180% | 7,649 |
| Assets per employee ($millions) | 5.0521% | 2,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9409% | 399 |
| Loan loss allowance to noncurrent loans | 21.9754% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 13.8722% | 170 |
| Noncurrent loans to loans | 17.9334% | 112 |
| Net loans and leases to total assets | 62.4396% | 4,671 |
| Net loans and leases to deposits | 73.4231% | 4,837 |
| Net loans and leases to core deposits | 74.6259% | 5,430 |
| Total domestic deposits to total assets | 85.0408% | 3,657 |
| Equity capital to assets | 11.3072% | 2,499 |
| Core capital (leverage) ratio | 10.3961% | 2,720 |
| Tier 1 risk-based capital ratio | 14.3695% | 3,456 |
| Total risk-based capital ratio | 15.6498% | 3,402 |
| Memoranda: | ||
| Average total assets | $61,409,000 | 6,329 |
| Average earning assets | $53,849,000 | 6,397 |
| Average equity | $6,516,000 | 6,341 |
| Average total loans | $39,237,500 | 6,157 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9260% | 6,652 |
| Cost of funding earning assets | 2.2053% | 2,002 |
| Net interest margin | 2.7207% | 7,183 |
| Noninterest income to average assets | -0.0599% | 7,769 |
| Noninterest expense to average assets | 3.2319% | 3,268 |
| Loan and lease loss provision to assets | 3.4629% | 452 |
| Net operating income to assets | -2.5407% | 7,280 |
| Return on assets (ROA) | -2.5407% | 7,278 |
| Pretax return on assets | -4.2893% | 7,595 |
| Return on Equity (ROE) | -26.3251% | 7,322 |
| Retained earnings to average equity (ytd only) | -26.3251% | 7,296 |
| Net charge-offs to loans | 3.3086% | 609 |
| Credit loss provision to net charge-offs | 150.5952% | 3,074 |
| Earnings coverage of net charge-offs (x) | -0.3594% | 6,586 |
| Efficiency ratio | 134.3528% | 431 |
| Assets per employee ($millions) | 5.1828% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8292% | 397 |
| Loan loss allowance to noncurrent loans | 23.6859% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 12.3149% | 235 |
| Noncurrent loans to loans | 16.1667% | 140 |
| Net loans and leases to total assets | 60.4119% | 5,273 |
| Net loans and leases to deposits | 70.0944% | 5,594 |
| Net loans and leases to core deposits | 125.4910% | 1,553 |
| Total domestic deposits to total assets | 86.1865% | 2,912 |
| Equity capital to assets | 9.9320% | 3,860 |
| Core capital (leverage) ratio | 8.6449% | 5,022 |
| Tier 1 risk-based capital ratio | 12.3611% | 4,632 |
| Total risk-based capital ratio | 13.6403% | 4,569 |
| Memoranda: | ||
| Average total assets | $58,447,800 | 6,414 |
| Average earning assets | $52,963,400 | 6,415 |
| Average equity | $5,641,000 | 6,727 |
| Average total loans | $40,621,600 | 6,069 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1284% | 6,177 |
| Cost of funding earning assets | 2.3440% | 1,835 |
| Net interest margin | 2.7844% | 7,082 |
| Noninterest income to average assets | -0.0278% | 7,876 |
| Noninterest expense to average assets | 2.8353% | 4,741 |
| Loan and lease loss provision to assets | 3.1065% | 463 |
| Net operating income to assets | -2.0216% | 7,329 |
| Return on assets (ROA) | -2.0216% | 7,327 |
| Pretax return on assets | -3.4195% | 7,600 |
| Return on Equity (ROE) | -21.1120% | 7,411 |
| Retained earnings to average equity (ytd only) | -21.1120% | 7,380 |
| Net charge-offs to loans | 3.1374% | 514 |
| Credit loss provision to net charge-offs | 138.8601% | 3,564 |
| Earnings coverage of net charge-offs (x) | -0.1399% | 6,229 |
| Efficiency ratio | 112.4081% | 726 |
| Assets per employee ($millions) | 5.1133% | 2,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9455% | 695 |
| Loan loss allowance to noncurrent loans | 44.8588% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 6.4162% | 793 |
| Noncurrent loans to loans | 6.5661% | 869 |
| Net loans and leases to total assets | 63.9570% | 4,880 |
| Net loans and leases to deposits | 73.1796% | 5,487 |
| Net loans and leases to core deposits | 126.9088% | 1,657 |
| Total domestic deposits to total assets | 87.3973% | 1,948 |
| Equity capital to assets | 8.6327% | 6,066 |
| Core capital (leverage) ratio | 8.1988% | 6,017 |
| Tier 1 risk-based capital ratio | 10.8021% | 6,153 |
| Total risk-based capital ratio | 12.0836% | 6,085 |
| Memoranda: | ||
| Average total assets | $57,511,500 | 6,488 |
| Average earning assets | $52,672,250 | 6,468 |
| Average equity | $5,507,000 | 6,845 |
| Average total loans | $41,010,000 | 6,106 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1725% | 6,176 |
| Cost of funding earning assets | 2.4452% | 1,795 |
| Net interest margin | 2.7272% | 7,144 |
| Noninterest income to average assets | -0.1850% | 8,064 |
| Noninterest expense to average assets | 2.7104% | 5,349 |
| Loan and lease loss provision to assets | 4.7663% | 229 |
| Net operating income to assets | -3.0518% | 7,688 |
| Return on assets (ROA) | -3.0518% | 7,685 |
| Pretax return on assets | -5.1504% | 7,879 |
| Return on Equity (ROE) | -30.7692% | 7,724 |
| Retained earnings to average equity (ytd only) | -30.7692% | 7,695 |
| Net charge-offs to loans | 4.7668% | 265 |
| Credit loss provision to net charge-offs | 136.4562% | 3,421 |
| Earnings coverage of net charge-offs (x) | -0.1100% | 5,802 |
| Efficiency ratio | 116.5138% | 730 |
| Assets per employee ($millions) | 5.2522% | 1,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8174% | 667 |
| Loan loss allowance to noncurrent loans | 43.3370% | 5,476 |
| Noncurrent assets plus other real estate owned to assets | 4.9376% | 1,088 |
| Noncurrent loans to loans | 6.5012% | 813 |
| Net loans and leases to total assets | 64.2513% | 4,931 |
| Net loans and leases to deposits | 74.0812% | 5,438 |
| Net loans and leases to core deposits | 128.5637% | 1,674 |
| Total domestic deposits to total assets | 86.7309% | 2,387 |
| Equity capital to assets | 8.3965% | 6,199 |
| Core capital (leverage) ratio | 8.0183% | 6,296 |
| Tier 1 risk-based capital ratio | 9.8964% | 7,043 |
| Total risk-based capital ratio | 11.1638% | 6,955 |
| Memoranda: | ||
| Average total assets | $56,228,670 | 6,582 |
| Average earning assets | $51,774,000 | 6,566 |
| Average equity | $5,577,000 | 6,873 |
| Average total loans | $41,201,670 | 6,149 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4298% | 5,272 |
| Cost of funding earning assets | 2.6535% | 1,400 |
| Net interest margin | 2.7763% | 7,041 |
| Noninterest income to average assets | 0.3634% | 5,529 |
| Noninterest expense to average assets | 3.7554% | 1,552 |
| Loan and lease loss provision to assets | 10.1458% | 42 |
| Net operating income to assets | -6.5190% | 8,114 |
| Return on assets (ROA) | -6.5190% | 8,102 |
| Pretax return on assets | -10.9710% | 8,165 |
| Return on Equity (ROE) | -60.2151% | 8,086 |
| Retained earnings to average equity (ytd only) | -60.2151% | 8,071 |
| Net charge-offs to loans | 9.5880% | 66 |
| Credit loss provision to net charge-offs | 136.4562% | 2,971 |
| Earnings coverage of net charge-offs (x) | -0.1110% | 5,085 |
| Efficiency ratio | 128.1654% | 522 |
| Assets per employee ($millions) | 5.3522% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8960% | 531 |
| Loan loss allowance to noncurrent loans | 55.7190% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 3.5788% | 1,488 |
| Noncurrent loans to loans | 5.1975% | 1,025 |
| Net loans and leases to total assets | 66.8631% | 4,374 |
| Net loans and leases to deposits | 77.8980% | 4,941 |
| Net loans and leases to core deposits | 130.6158% | 1,624 |
| Total domestic deposits to total assets | 85.8342% | 2,804 |
| Equity capital to assets | 8.9836% | 5,378 |
| Core capital (leverage) ratio | 8.2647% | 5,971 |
| Tier 1 risk-based capital ratio | 9.7761% | 7,170 |
| Total risk-based capital ratio | 11.0442% | 7,051 |
| Memoranda: | ||
| Average total assets | $52,830,000 | 6,747 |
| Average earning assets | $48,841,500 | 6,715 |
| Average equity | $5,719,500 | 6,871 |
| Average total loans | $40,968,000 | 6,197 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4893% | 3,015 |
| Cost of funding earning assets | 3.0300% | 1,752 |
| Net interest margin | 3.4594% | 5,441 |
| Noninterest income to average assets | 0.4395% | 5,118 |
| Noninterest expense to average assets | 3.4033% | 2,672 |
| Loan and lease loss provision to assets | 2.6596% | 379 |
| Net operating income to assets | -1.4357% | 7,437 |
| Return on assets (ROA) | -1.4357% | 7,384 |
| Pretax return on assets | -2.3914% | 7,560 |
| Return on Equity (ROE) | -9.7559% | 7,263 |
| Retained earnings to average equity (ytd only) | -9.7559% | 7,052 |
| Net charge-offs to loans | 2.4973% | 383 |
| Credit loss provision to net charge-offs | 128.4004% | 4,149 |
| Earnings coverage of net charge-offs (x) | 0.1295% | 6,168 |
| Efficiency ratio | 92.6949% | 1,347 |
| Assets per employee ($millions) | 3.8988% | 3,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 1,281 |
| Loan loss allowance to noncurrent loans | 27.4933% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 6.6516% | 411 |
| Noncurrent loans to loans | 7.1696% | 413 |
| Net loans and leases to total assets | 86.7375% | 502 |
| Net loans and leases to deposits | 108.8459% | 910 |
| Net loans and leases to core deposits | 164.9970% | 494 |
| Total domestic deposits to total assets | 79.6884% | 5,138 |
| Equity capital to assets | 13.1450% | 1,730 |
| Core capital (leverage) ratio | 13.2919% | 1,441 |
| Tier 1 risk-based capital ratio | 14.3571% | 3,359 |
| Total risk-based capital ratio | 15.6150% | 3,276 |
| Memoranda: | ||
| Average total assets | $44,368,200 | 7,012 |
| Average earning assets | $41,452,600 | 6,970 |
| Average equity | $6,529,400 | 6,632 |
| Average total loans | $36,800,000 | 6,326 |