Home > Old Dominion National Bank > Performance and Condition Ratios
Old Dominion National Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1887% | 1,690 |
| Cost of funding earning assets | 2.3756% | 481 |
| Net interest margin | 2.8131% | 3,636 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 2.0449% | 3,523 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.5887% | 3,462 |
| Return on assets (ROA) | 0.5887% | 3,459 |
| Pretax return on assets | 0.7516% | 3,334 |
| Return on Equity (ROE) | 5.2000% | 3,692 |
| Retained earnings to average equity (ytd only) | 5.2002% | 2,532 |
| Net charge-offs to loans | 0.0572% | 1,284 |
| Credit loss provision to net charge-offs | 58.4838% | 2,159 |
| Earnings coverage of net charge-offs (x) | 15.7473% | 2,036 |
| Efficiency ratio | 72.7622% | 1,579 |
| Assets per employee ($millions) | 13.9728% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,328 |
| Loan loss allowance to noncurrent loans | 6,306.0606% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 3,673 |
| Noncurrent loans to loans | 0.0158% | 3,634 |
| Net loans and leases to total assets | 83.0600% | 339 |
| Net loans and leases to deposits | 103.9483% | 364 |
| Net loans and leases to core deposits | 163.0091% | 141 |
| Total domestic deposits to total assets | 79.9000% | 3,479 |
| Equity capital to assets | 11.3274% | 1,363 |
| Core capital (leverage) ratio | 12.2436% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2107% | 1,798 |
| Memoranda: | ||
| Average total assets | $1,139,661,400 | 888 |
| Average earning assets | $1,091,824,400 | 851 |
| Average equity | $129,013,400 | 771 |
| Average total loans | $968,244,400 | 749 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1241% | 1,584 |
| Cost of funding earning assets | 2.2434% | 460 |
| Net interest margin | 2.8807% | 3,585 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 2.1053% | 3,345 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.6073% | 3,528 |
| Return on assets (ROA) | 0.6073% | 3,518 |
| Pretax return on assets | 0.7526% | 3,443 |
| Return on Equity (ROE) | 5.3700% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.3660% | 2,818 |
| Net charge-offs to loans | 0.0781% | 936 |
| Credit loss provision to net charge-offs | 27.8777% | 1,979 |
| Earnings coverage of net charge-offs (x) | 11.5845% | 2,092 |
| Efficiency ratio | 73.1915% | 1,427 |
| Assets per employee ($millions) | 14.3489% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,227 |
| Loan loss allowance to noncurrent loans | 5,531.8919% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 3,687 |
| Noncurrent loans to loans | 0.0186% | 3,639 |
| Net loans and leases to total assets | 81.8600% | 449 |
| Net loans and leases to deposits | 102.8558% | 394 |
| Net loans and leases to core deposits | 171.3211% | 69 |
| Total domestic deposits to total assets | 79.5900% | 3,588 |
| Equity capital to assets | 11.3512% | 1,224 |
| Core capital (leverage) ratio | 12.5099% | 1,231 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4607% | 1,725 |
| Memoranda: | ||
| Average total assets | $1,113,681,250 | 907 |
| Average earning assets | $1,066,157,250 | 870 |
| Average equity | $126,050,250 | 780 |
| Average total loans | $949,480,750 | 765 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 1,529 |
| Cost of funding earning assets | 2.1039% | 407 |
| Net interest margin | 2.9182% | 3,613 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 2.1748% | 3,154 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 0.5539% | 3,690 |
| Return on assets (ROA) | 0.5539% | 3,696 |
| Pretax return on assets | 0.6902% | 3,621 |
| Return on Equity (ROE) | 4.9000% | 3,888 |
| Retained earnings to average equity (ytd only) | 4.8995% | 2,965 |
| Net charge-offs to loans | 0.1195% | 608 |
| Credit loss provision to net charge-offs | 49.2832% | 1,676 |
| Earnings coverage of net charge-offs (x) | 7.1918% | 2,095 |
| Efficiency ratio | 74.5868% | 1,296 |
| Assets per employee ($millions) | 12.9373% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,131 |
| Loan loss allowance to noncurrent loans | 2,518.7348% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 3,425 |
| Noncurrent loans to loans | 0.0421% | 3,422 |
| Net loans and leases to total assets | 84.7500% | 228 |
| Net loans and leases to deposits | 108.0539% | 248 |
| Net loans and leases to core deposits | 205.7430% | 37 |
| Total domestic deposits to total assets | 78.4300% | 3,796 |
| Equity capital to assets | 12.0294% | 1,037 |
| Core capital (leverage) ratio | 12.9914% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7089% | 1,651 |
| Memoranda: | ||
| Average total assets | $1,083,138,000 | 914 |
| Average earning assets | $1,036,336,667 | 885 |
| Average equity | $122,461,333 | 797 |
| Average total loans | $933,656,667 | 757 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8380% | 1,532 |
| Cost of funding earning assets | 1.9581% | 326 |
| Net interest margin | 2.8799% | 3,821 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 2.2045% | 3,090 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5404% | 3,813 |
| Return on assets (ROA) | 0.5404% | 3,772 |
| Pretax return on assets | 0.6860% | 3,692 |
| Return on Equity (ROE) | 4.9500% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.9507% | 3,028 |
| Net charge-offs to loans | -0.0013% | 3,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.2685% | 1,148 |
| Assets per employee ($millions) | 12.4124% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,853 |
| Loan loss allowance to noncurrent loans | 2,144.7581% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 3,326 |
| Noncurrent loans to loans | 0.0532% | 3,361 |
| Net loans and leases to total assets | 85.3900% | 160 |
| Net loans and leases to deposits | 105.9492% | 251 |
| Net loans and leases to core deposits | 175.2741% | 59 |
| Total domestic deposits to total assets | 80.6000% | 3,693 |
| Equity capital to assets | 10.7308% | 1,443 |
| Core capital (leverage) ratio | 11.6875% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1191% | 2,348 |
| Memoranda: | ||
| Average total assets | $1,055,466,500 | 944 |
| Average earning assets | $1,009,759,000 | 912 |
| Average equity | $115,215,500 | 856 |
| Average total loans | $912,905,500 | 781 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9370% | 1,892 |
| Cost of funding earning assets | 0.6738% | 660 |
| Net interest margin | 3.2632% | 2,665 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.1941% | 3,044 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.8374% | 3,197 |
| Return on assets (ROA) | 0.8374% | 3,122 |
| Pretax return on assets | 0.7906% | 3,651 |
| Return on Equity (ROE) | 7.7600% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.7603% | 1,930 |
| Net charge-offs to loans | -0.0005% | 3,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0950% | 2,076 |
| Assets per employee ($millions) | 12.4387% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,470 |
| Loan loss allowance to noncurrent loans | 2,045.2611% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,301 |
| Noncurrent loans to loans | 0.0579% | 3,343 |
| Net loans and leases to total assets | 85.4800% | 185 |
| Net loans and leases to deposits | 105.8536% | 245 |
| Net loans and leases to core deposits | 123.6604% | 309 |
| Total domestic deposits to total assets | 80.7500% | 3,789 |
| Equity capital to assets | 11.2270% | 1,172 |
| Core capital (leverage) ratio | 12.4099% | 1,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5210% | 2,156 |
| Memoranda: | ||
| Average total assets | $935,195,600 | 1,040 |
| Average earning assets | $898,221,800 | 1,001 |
| Average equity | $100,910,600 | 940 |
| Average total loans | $757,266,800 | 853 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 2,033 |
| Cost of funding earning assets | 0.4780% | 848 |
| Net interest margin | 3.2269% | 2,541 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.1974% | 2,940 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 0.9144% | 2,819 |
| Return on assets (ROA) | 0.9144% | 2,789 |
| Pretax return on assets | 0.7818% | 3,628 |
| Return on Equity (ROE) | 8.5700% | 3,156 |
| Retained earnings to average equity (ytd only) | 8.5725% | 1,803 |
| Net charge-offs to loans | 0.0007% | 2,308 |
| Credit loss provision to net charge-offs | 45,575.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,791.0000% | 71 |
| Efficiency ratio | 67.6948% | 2,068 |
| Assets per employee ($millions) | 11.9909% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 2,537 |
| Loan loss allowance to noncurrent loans | 1,862.0690% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,345 |
| Noncurrent loans to loans | 0.0644% | 3,414 |
| Net loans and leases to total assets | 82.4900% | 353 |
| Net loans and leases to deposits | 98.0992% | 454 |
| Net loans and leases to core deposits | 107.4474% | 549 |
| Total domestic deposits to total assets | 84.0900% | 3,487 |
| Equity capital to assets | 11.5839% | 978 |
| Core capital (leverage) ratio | 12.9452% | 922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3705% | 1,915 |
| Memoranda: | ||
| Average total assets | $910,891,500 | 1,076 |
| Average earning assets | $876,329,750 | 1,030 |
| Average equity | $97,161,000 | 971 |
| Average total loans | $723,321,750 | 878 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 2,061 |
| Cost of funding earning assets | 0.3517% | 1,241 |
| Net interest margin | 3.1718% | 2,279 |
| Noninterest income to average assets | 0.1498% | 4,263 |
| Noninterest expense to average assets | 2.2632% | 2,660 |
| Loan and lease loss provision to assets | 0.1929% | 447 |
| Net operating income to assets | 1.0515% | 1,968 |
| Return on assets (ROA) | 1.0515% | 1,937 |
| Pretax return on assets | 0.7470% | 3,458 |
| Return on Equity (ROE) | 10.1755% | 2,274 |
| Retained earnings to average equity (ytd only) | 10.1755% | 973 |
| Net charge-offs to loans | 0.0032% | 1,945 |
| Credit loss provision to net charge-offs | 7,809.0909% | 74 |
| Earnings coverage of net charge-offs (x) | 380.5455% | 331 |
| Efficiency ratio | 70.6575% | 1,866 |
| Assets per employee ($millions) | 11.4808% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,784 |
| Loan loss allowance to noncurrent loans | 1,487.9252% | 689 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,355 |
| Noncurrent loans to loans | 0.0795% | 3,384 |
| Net loans and leases to total assets | 77.6773% | 579 |
| Net loans and leases to deposits | 90.1073% | 715 |
| Net loans and leases to core deposits | 95.3733% | 852 |
| Total domestic deposits to total assets | 86.2053% | 3,197 |
| Equity capital to assets | 9.9020% | 1,764 |
| Core capital (leverage) ratio | 11.3340% | 1,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7503% | 2,178 |
| Memoranda: | ||
| Average total assets | $890,766,667 | 1,083 |
| Average earning assets | $857,507,333 | 1,056 |
| Average equity | $92,044,667 | 1,031 |
| Average total loans | $694,132,667 | 895 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4144% | 2,042 |
| Cost of funding earning assets | 0.3188% | 1,478 |
| Net interest margin | 3.0956% | 2,191 |
| Noninterest income to average assets | 0.1498% | 4,254 |
| Noninterest expense to average assets | 2.3091% | 2,469 |
| Loan and lease loss provision to assets | 0.1280% | 644 |
| Net operating income to assets | 0.5495% | 3,558 |
| Return on assets (ROA) | 0.5495% | 3,535 |
| Pretax return on assets | 0.6975% | 3,404 |
| Return on Equity (ROE) | 5.2003% | 3,567 |
| Retained earnings to average equity (ytd only) | 5.2003% | 2,511 |
| Net charge-offs to loans | 0.0131% | 1,289 |
| Credit loss provision to net charge-offs | 1,259.0909% | 293 |
| Earnings coverage of net charge-offs (x) | 81.1818% | 742 |
| Efficiency ratio | 73.6656% | 1,780 |
| Assets per employee ($millions) | 11.6023% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,841 |
| Loan loss allowance to noncurrent loans | 1,440.9894% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 3,428 |
| Noncurrent loans to loans | 0.0835% | 3,422 |
| Net loans and leases to total assets | 74.9300% | 584 |
| Net loans and leases to deposits | 84.6017% | 845 |
| Net loans and leases to core deposits | 90.3178% | 910 |
| Total domestic deposits to total assets | 88.5680% | 2,271 |
| Equity capital to assets | 10.1352% | 1,802 |
| Core capital (leverage) ratio | 11.1980% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8357% | 2,287 |
| Memoranda: | ||
| Average total assets | $865,437,000 | 1,121 |
| Average earning assets | $834,465,500 | 1,082 |
| Average equity | $91,457,000 | 1,072 |
| Average total loans | $671,187,500 | 914 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5938% | 2,409 |
| Cost of funding earning assets | 0.3851% | 1,645 |
| Net interest margin | 3.2087% | 2,576 |
| Noninterest income to average assets | 0.2848% | 3,689 |
| Noninterest expense to average assets | 2.2286% | 2,992 |
| Loan and lease loss provision to assets | 0.2955% | 279 |
| Net operating income to assets | 0.7904% | 3,361 |
| Return on assets (ROA) | 0.7904% | 3,429 |
| Pretax return on assets | 0.8705% | 3,566 |
| Return on Equity (ROE) | 7.3857% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.3857% | 1,765 |
| Net charge-offs to loans | 0.0179% | 1,924 |
| Credit loss provision to net charge-offs | 2,042.5000% | 309 |
| Earnings coverage of net charge-offs (x) | 80.5833% | 995 |
| Efficiency ratio | 65.6508% | 2,313 |
| Assets per employee ($millions) | 10.6013% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1885% | 2,939 |
| Loan loss allowance to noncurrent loans | 763.3816% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.1236% | 3,067 |
| Noncurrent loans to loans | 0.1557% | 3,154 |
| Net loans and leases to total assets | 78.4373% | 353 |
| Net loans and leases to deposits | 89.0828% | 604 |
| Net loans and leases to core deposits | 94.0725% | 780 |
| Total domestic deposits to total assets | 88.0499% | 2,017 |
| Equity capital to assets | 11.0291% | 1,772 |
| Core capital (leverage) ratio | 11.3796% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6151% | 2,011 |
| Memoranda: | ||
| Average total assets | $829,319,400 | 1,121 |
| Average earning assets | $803,750,400 | 1,084 |
| Average equity | $88,752,400 | 1,118 |
| Average total loans | $669,950,800 | 913 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6114% | 2,528 |
| Cost of funding earning assets | 0.3963% | 1,723 |
| Net interest margin | 3.2152% | 2,682 |
| Noninterest income to average assets | 0.3146% | 3,536 |
| Noninterest expense to average assets | 2.2277% | 2,983 |
| Loan and lease loss provision to assets | 0.2702% | 317 |
| Net operating income to assets | 0.7712% | 3,593 |
| Return on assets (ROA) | 0.7712% | 3,659 |
| Pretax return on assets | 0.9356% | 3,618 |
| Return on Equity (ROE) | 7.2623% | 3,600 |
| Retained earnings to average equity (ytd only) | 7.2623% | 2,326 |
| Net charge-offs to loans | 0.0262% | 1,517 |
| Credit loss provision to net charge-offs | 1,269.6970% | 453 |
| Earnings coverage of net charge-offs (x) | 56.6742% | 1,162 |
| Efficiency ratio | 64.8829% | 2,261 |
| Assets per employee ($millions) | 10.5849% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,366 |
| Loan loss allowance to noncurrent loans | 675.5935% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 3,252 |
| Noncurrent loans to loans | 0.1653% | 3,293 |
| Net loans and leases to total assets | 77.3034% | 445 |
| Net loans and leases to deposits | 87.9323% | 720 |
| Net loans and leases to core deposits | 95.3715% | 775 |
| Total domestic deposits to total assets | 87.9123% | 1,894 |
| Equity capital to assets | 11.1175% | 1,937 |
| Core capital (leverage) ratio | 11.4304% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2127% | 1,893 |
| Memoranda: | ||
| Average total assets | $827,274,500 | 1,132 |
| Average earning assets | $802,470,500 | 1,093 |
| Average equity | $87,848,250 | 1,136 |
| Average total loans | $671,235,250 | 932 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5354% | 2,808 |
| Cost of funding earning assets | 0.4132% | 1,775 |
| Net interest margin | 3.1222% | 2,979 |
| Noninterest income to average assets | 0.3592% | 3,310 |
| Noninterest expense to average assets | 2.2337% | 2,971 |
| Loan and lease loss provision to assets | 0.2863% | 311 |
| Net operating income to assets | 0.6517% | 3,872 |
| Return on assets (ROA) | 0.6517% | 3,934 |
| Pretax return on assets | 0.8730% | 3,722 |
| Return on Equity (ROE) | 6.2328% | 3,845 |
| Retained earnings to average equity (ytd only) | 6.2328% | 2,715 |
| Net charge-offs to loans | 0.0419% | 1,219 |
| Credit loss provision to net charge-offs | 832.1678% | 525 |
| Earnings coverage of net charge-offs (x) | 33.6993% | 1,250 |
| Efficiency ratio | 65.8324% | 2,187 |
| Assets per employee ($millions) | 10.4750% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 3,818 |
| Loan loss allowance to noncurrent loans | 617.8338% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 3,377 |
| Noncurrent loans to loans | 0.1621% | 3,402 |
| Net loans and leases to total assets | 79.0477% | 373 |
| Net loans and leases to deposits | 96.4536% | 368 |
| Net loans and leases to core deposits | 105.1588% | 498 |
| Total domestic deposits to total assets | 81.9541% | 3,930 |
| Equity capital to assets | 10.6698% | 2,245 |
| Core capital (leverage) ratio | 11.5980% | 1,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6449% | 1,741 |
| Memoranda: | ||
| Average total assets | $831,353,667 | 1,120 |
| Average earning assets | $807,838,667 | 1,081 |
| Average equity | $86,927,000 | 1,143 |
| Average total loans | $682,592,000 | 920 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5394% | 2,810 |
| Cost of funding earning assets | 0.4024% | 2,074 |
| Net interest margin | 3.1371% | 2,885 |
| Noninterest income to average assets | 0.4085% | 3,045 |
| Noninterest expense to average assets | 2.1266% | 3,339 |
| Loan and lease loss provision to assets | 0.2520% | 412 |
| Net operating income to assets | 0.8631% | 3,227 |
| Return on assets (ROA) | 0.8631% | 3,312 |
| Pretax return on assets | 1.0839% | 3,151 |
| Return on Equity (ROE) | 8.3392% | 3,228 |
| Retained earnings to average equity (ytd only) | 8.3392% | 2,140 |
| Net charge-offs to loans | 0.0075% | 1,631 |
| Credit loss provision to net charge-offs | 4,038.4615% | 137 |
| Earnings coverage of net charge-offs (x) | 214.0769% | 382 |
| Efficiency ratio | 61.4169% | 2,850 |
| Assets per employee ($millions) | 11.4738% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 4,291 |
| Loan loss allowance to noncurrent loans | 92.9259% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 1,217 |
| Noncurrent loans to loans | 0.9156% | 1,478 |
| Net loans and leases to total assets | 81.2748% | 263 |
| Net loans and leases to deposits | 106.6938% | 162 |
| Net loans and leases to core deposits | 119.5563% | 246 |
| Total domestic deposits to total assets | 76.1757% | 4,573 |
| Equity capital to assets | 9.9941% | 2,713 |
| Core capital (leverage) ratio | 12.5197% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5134% | 1,736 |
| Memoranda: | ||
| Average total assets | $833,268,500 | 1,104 |
| Average earning assets | $811,203,000 | 1,064 |
| Average equity | $86,243,000 | 1,142 |
| Average total loans | $693,510,000 | 910 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 3,588 |
| Cost of funding earning assets | 0.6239% | 2,158 |
| Net interest margin | 3.0687% | 3,699 |
| Noninterest income to average assets | 0.3021% | 3,665 |
| Noninterest expense to average assets | 2.6011% | 2,545 |
| Loan and lease loss provision to assets | 0.3800% | 849 |
| Net operating income to assets | 0.2872% | 4,451 |
| Return on assets (ROA) | 0.3266% | 4,462 |
| Pretax return on assets | 0.3266% | 4,513 |
| Return on Equity (ROE) | 2.4032% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.4032% | 3,661 |
| Net charge-offs to loans | 0.0936% | 1,523 |
| Credit loss provision to net charge-offs | 472.0648% | 1,305 |
| Earnings coverage of net charge-offs (x) | 8.2915% | 2,615 |
| Efficiency ratio | 79.5863% | 917 |
| Assets per employee ($millions) | 10.7369% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 4,359 |
| Loan loss allowance to noncurrent loans | 81.8636% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 1,174 |
| Noncurrent loans to loans | 1.0122% | 1,403 |
| Net loans and leases to total assets | 83.9045% | 177 |
| Net loans and leases to deposits | 114.3873% | 114 |
| Net loans and leases to core deposits | 131.4113% | 186 |
| Total domestic deposits to total assets | 73.3512% | 4,662 |
| Equity capital to assets | 10.7405% | 2,485 |
| Core capital (leverage) ratio | 13.3373% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7855% | 1,601 |
| Memoranda: | ||
| Average total assets | $613,935,200 | 1,309 |
| Average earning assets | $593,409,600 | 1,272 |
| Average equity | $83,431,000 | 1,115 |
| Average total loans | $527,577,400 | 1,093 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7880% | 3,600 |
| Cost of funding earning assets | 0.6857% | 2,115 |
| Net interest margin | 3.1023% | 3,731 |
| Noninterest income to average assets | 0.2597% | 3,922 |
| Noninterest expense to average assets | 2.7869% | 2,004 |
| Loan and lease loss provision to assets | 0.3152% | 1,262 |
| Net operating income to assets | 0.1491% | 4,652 |
| Return on assets (ROA) | 0.2058% | 4,625 |
| Pretax return on assets | 0.2058% | 4,652 |
| Return on Equity (ROE) | 1.4112% | 4,637 |
| Retained earnings to average equity (ytd only) | 1.4112% | 4,108 |
| Net charge-offs to loans | 0.1275% | 1,118 |
| Credit loss provision to net charge-offs | 286.1702% | 1,807 |
| Earnings coverage of net charge-offs (x) | 4.2149% | 2,843 |
| Efficiency ratio | 85.7174% | 515 |
| Assets per employee ($millions) | 10.0724% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7178% | 4,543 |
| Loan loss allowance to noncurrent loans | 74.1271% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 0.8691% | 1,332 |
| Noncurrent loans to loans | 0.9684% | 1,550 |
| Net loans and leases to total assets | 89.1005% | 58 |
| Net loans and leases to deposits | 119.4900% | 118 |
| Net loans and leases to core deposits | 131.0141% | 234 |
| Total domestic deposits to total assets | 74.5674% | 4,539 |
| Equity capital to assets | 11.7239% | 1,861 |
| Core capital (leverage) ratio | 12.8422% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6376% | 1,340 |
| Memoranda: | ||
| Average total assets | $568,786,000 | 1,375 |
| Average earning assets | $548,487,500 | 1,328 |
| Average equity | $82,954,500 | 1,113 |
| Average total loans | $491,417,250 | 1,149 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 3,636 |
| Cost of funding earning assets | 0.7860% | 1,897 |
| Net interest margin | 3.1085% | 3,885 |
| Noninterest income to average assets | 0.2165% | 4,188 |
| Noninterest expense to average assets | 2.9227% | 1,776 |
| Loan and lease loss provision to assets | 0.1638% | 2,363 |
| Net operating income to assets | 0.1235% | 4,657 |
| Return on assets (ROA) | 0.1835% | 4,636 |
| Pretax return on assets | 0.1835% | 4,651 |
| Return on Equity (ROE) | 1.1541% | 4,663 |
| Retained earnings to average equity (ytd only) | 1.1541% | 4,055 |
| Net charge-offs to loans | 0.0412% | 1,914 |
| Credit loss provision to net charge-offs | 468.1319% | 1,283 |
| Earnings coverage of net charge-offs (x) | 8.2088% | 2,309 |
| Efficiency ratio | 91.0496% | 366 |
| Assets per employee ($millions) | 9.5815% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6759% | 4,615 |
| Loan loss allowance to noncurrent loans | 60.7015% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 1,205 |
| Noncurrent loans to loans | 1.1135% | 1,413 |
| Net loans and leases to total assets | 89.1052% | 44 |
| Net loans and leases to deposits | 114.1342% | 157 |
| Net loans and leases to core deposits | 125.2873% | 324 |
| Total domestic deposits to total assets | 78.0705% | 4,185 |
| Equity capital to assets | 12.4201% | 1,417 |
| Core capital (leverage) ratio | 12.9817% | 1,007 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9826% | 1,061 |
| Memoranda: | ||
| Average total assets | $520,002,333 | 1,463 |
| Average earning assets | $500,752,333 | 1,418 |
| Average equity | $82,658,667 | 1,107 |
| Average total loans | $441,290,333 | 1,228 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 3,238 |
| Cost of funding earning assets | 1.0557% | 1,201 |
| Net interest margin | 3.1362% | 4,023 |
| Noninterest income to average assets | 0.1691% | 4,520 |
| Noninterest expense to average assets | 3.1224% | 1,583 |
| Loan and lease loss provision to assets | 0.0927% | 2,525 |
| Net operating income to assets | -0.0342% | 4,767 |
| Return on assets (ROA) | 0.0792% | 4,673 |
| Pretax return on assets | 0.0792% | 4,678 |
| Return on Equity (ROE) | 0.4275% | 4,700 |
| Retained earnings to average equity (ytd only) | 0.4275% | 3,898 |
| Net charge-offs to loans | 0.1052% | 1,052 |
| Credit loss provision to net charge-offs | 108.4211% | 1,768 |
| Earnings coverage of net charge-offs (x) | 0.6842% | 2,448 |
| Efficiency ratio | 98.1618% | 273 |
| Assets per employee ($millions) | 6.4879% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 3,742 |
| Loan loss allowance to noncurrent loans | 53.0120% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.5759% | 661 |
| Noncurrent loans to loans | 1.8774% | 786 |
| Net loans and leases to total assets | 83.1075% | 347 |
| Net loans and leases to deposits | 103.5659% | 386 |
| Net loans and leases to core deposits | 120.1226% | 460 |
| Total domestic deposits to total assets | 80.2460% | 3,815 |
| Equity capital to assets | 18.4356% | 325 |
| Core capital (leverage) ratio | 18.3995% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0203% | 745 |
| Memoranda: | ||
| Average total assets | $444,651,000 | 1,632 |
| Average earning assets | $427,019,500 | 1,569 |
| Average equity | $82,337,000 | 1,109 |
| Average total loans | $361,085,500 | 1,422 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 2,481 |
| Cost of funding earning assets | 1.2541% | 878 |
| Net interest margin | 3.3921% | 3,775 |
| Noninterest income to average assets | 0.2831% | 3,992 |
| Noninterest expense to average assets | 3.7337% | 728 |
| Loan and lease loss provision to assets | 0.0892% | 2,234 |
| Net operating income to assets | -0.3258% | 5,034 |
| Return on assets (ROA) | -0.2813% | 5,036 |
| Pretax return on assets | -0.2813% | 5,035 |
| Return on Equity (ROE) | -1.4681% | 5,027 |
| Retained earnings to average equity (ytd only) | -1.4681% | 4,841 |
| Net charge-offs to loans | 0.0580% | 2,273 |
| Credit loss provision to net charge-offs | 189.2405% | 1,394 |
| Earnings coverage of net charge-offs (x) | -5.0190% | 3,681 |
| Efficiency ratio | 106.7651% | 116 |
| Assets per employee ($millions) | 6.3091% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,075 |
| Loan loss allowance to noncurrent loans | 220.1770% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.3838% | 2,874 |
| Noncurrent loans to loans | 0.4893% | 2,720 |
| Net loans and leases to total assets | 77.5876% | 1,140 |
| Net loans and leases to deposits | 96.8160% | 858 |
| Net loans and leases to core deposits | 128.9443% | 288 |
| Total domestic deposits to total assets | 80.1393% | 3,952 |
| Equity capital to assets | 18.6000% | 327 |
| Core capital (leverage) ratio | 21.4053% | 185 |
| Tier 1 risk-based capital ratio | 20.7832% | 1,207 |
| Total risk-based capital ratio | 21.7509% | 1,224 |
| Memoranda: | ||
| Average total assets | $335,187,800 | 1,957 |
| Average earning assets | $317,589,000 | 1,930 |
| Average equity | $64,232,800 | 1,313 |
| Average total loans | $272,428,200 | 1,719 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8060% | 2,099 |
| Cost of funding earning assets | 1.3240% | 734 |
| Net interest margin | 3.4820% | 3,620 |
| Noninterest income to average assets | 0.3586% | 3,582 |
| Noninterest expense to average assets | 3.9492% | 563 |
| Loan and lease loss provision to assets | 0.0588% | 2,723 |
| Net operating income to assets | -0.3677% | 5,123 |
| Return on assets (ROA) | -0.3301% | 5,127 |
| Pretax return on assets | -0.3301% | 5,120 |
| Return on Equity (ROE) | -1.7047% | 5,113 |
| Retained earnings to average equity (ytd only) | -1.7047% | 4,907 |
| Net charge-offs to loans | 0.0830% | 1,644 |
| Credit loss provision to net charge-offs | 86.0759% | 2,439 |
| Earnings coverage of net charge-offs (x) | -4.5253% | 3,419 |
| Efficiency ratio | 108.4866% | 111 |
| Assets per employee ($millions) | 5.0899% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 2,751 |
| Loan loss allowance to noncurrent loans | 178.0050% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.5627% | 2,318 |
| Noncurrent loans to loans | 0.6486% | 2,337 |
| Net loans and leases to total assets | 85.7629% | 206 |
| Net loans and leases to deposits | 105.0813% | 356 |
| Net loans and leases to core deposits | 122.0076% | 469 |
| Total domestic deposits to total assets | 81.6157% | 3,583 |
| Equity capital to assets | 16.7828% | 508 |
| Core capital (leverage) ratio | 17.7678% | 366 |
| Tier 1 risk-based capital ratio | 17.6846% | 1,903 |
| Total risk-based capital ratio | 18.7841% | 1,905 |
| Memoranda: | ||
| Average total assets | $308,576,000 | 2,128 |
| Average earning assets | $290,822,500 | 2,096 |
| Average equity | $59,755,000 | 1,383 |
| Average total loans | $253,938,750 | 1,822 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 1,880 |
| Cost of funding earning assets | 1.3531% | 635 |
| Net interest margin | 3.5060% | 3,578 |
| Noninterest income to average assets | 0.3656% | 3,488 |
| Noninterest expense to average assets | 4.0940% | 477 |
| Loan and lease loss provision to assets | 0.0697% | 2,426 |
| Net operating income to assets | -0.5064% | 5,191 |
| Return on assets (ROA) | -0.4592% | 5,192 |
| Pretax return on assets | -0.4592% | 5,188 |
| Return on Equity (ROE) | -2.2497% | 5,169 |
| Retained earnings to average equity (ytd only) | -2.2497% | 4,927 |
| Net charge-offs to loans | 0.1231% | 1,210 |
| Credit loss provision to net charge-offs | 70.3448% | 2,315 |
| Earnings coverage of net charge-offs (x) | -4.4069% | 3,141 |
| Efficiency ratio | 111.9395% | 95 |
| Assets per employee ($millions) | 4.7144% | 2,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3613% | 1,771 |
| Loan loss allowance to noncurrent loans | 252.8867% | 1,816 |
| Noncurrent assets plus other real estate owned to assets | 0.4442% | 2,745 |
| Noncurrent loans to loans | 0.5383% | 2,660 |
| Net loans and leases to total assets | 81.3935% | 685 |
| Net loans and leases to deposits | 102.6234% | 505 |
| Net loans and leases to core deposits | 121.1568% | 513 |
| Total domestic deposits to total assets | 79.3128% | 4,159 |
| Equity capital to assets | 18.9083% | 297 |
| Core capital (leverage) ratio | 18.4584% | 314 |
| Tier 1 risk-based capital ratio | 20.8796% | 1,194 |
| Total risk-based capital ratio | 22.1297% | 1,178 |
| Memoranda: | ||
| Average total assets | $292,670,000 | 2,218 |
| Average earning assets | $274,784,000 | 2,192 |
| Average equity | $59,741,330 | 1,381 |
| Average total loans | $235,539,330 | 1,938 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 2,211 |
| Cost of funding earning assets | 1.2396% | 796 |
| Net interest margin | 3.4642% | 3,703 |
| Noninterest income to average assets | 0.2234% | 4,406 |
| Noninterest expense to average assets | 3.9463% | 571 |
| Loan and lease loss provision to assets | 0.1167% | 1,507 |
| Net operating income to assets | -0.5863% | 5,259 |
| Return on assets (ROA) | -0.5593% | 5,254 |
| Pretax return on assets | -0.5593% | 5,247 |
| Return on Equity (ROE) | -2.6310% | 5,231 |
| Retained earnings to average equity (ytd only) | -2.6310% | 4,792 |
| Net charge-offs to loans | 0.0574% | 1,470 |
| Credit loss provision to net charge-offs | 256.2500% | 908 |
| Earnings coverage of net charge-offs (x) | -10.3125% | 2,718 |
| Efficiency ratio | 113.5080% | 91 |
| Assets per employee ($millions) | 4.5908% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5843% | 1,096 |
| Loan loss allowance to noncurrent loans | 181.1940% | 2,348 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 2,018 |
| Noncurrent loans to loans | 0.8744% | 1,896 |
| Net loans and leases to total assets | 78.2243% | 1,113 |
| Net loans and leases to deposits | 101.0176% | 554 |
| Net loans and leases to core deposits | 122.2997% | 472 |
| Total domestic deposits to total assets | 77.4363% | 4,600 |
| Equity capital to assets | 20.6143% | 220 |
| Core capital (leverage) ratio | 21.5855% | 179 |
| Tier 1 risk-based capital ratio | 22.4413% | 994 |
| Total risk-based capital ratio | 23.6932% | 973 |
| Memoranda: | ||
| Average total assets | $281,074,000 | 2,308 |
| Average earning assets | $263,960,500 | 2,291 |
| Average equity | $59,750,000 | 1,378 |
| Average total loans | $222,989,500 | 2,045 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8847% | 4,305 |
| Cost of funding earning assets | 0.8038% | 1,507 |
| Net interest margin | 3.0810% | 4,678 |
| Noninterest income to average assets | 0.0566% | 5,254 |
| Noninterest expense to average assets | 4.4902% | 303 |
| Loan and lease loss provision to assets | 1.0937% | 75 |
| Net operating income to assets | -2.5542% | 5,383 |
| Return on assets (ROA) | -2.5542% | 5,382 |
| Pretax return on assets | -2.5542% | 5,380 |
| Return on Equity (ROE) | -10.8800% | 5,354 |
| Retained earnings to average equity (ytd only) | -10.8800% | 5,328 |
| Net charge-offs to loans | 0.4803% | 376 |
| Credit loss provision to net charge-offs | 341.8705% | 919 |
| Earnings coverage of net charge-offs (x) | -4.5655% | 3,743 |
| Efficiency ratio | 148.2072% | 27 |
| Assets per employee ($millions) | 4.6259% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6618% | 898 |
| Loan loss allowance to noncurrent loans | 203.3409% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6471% | 2,104 |
| Noncurrent loans to loans | 0.8172% | 1,974 |
| Net loans and leases to total assets | 77.8615% | 1,290 |
| Net loans and leases to deposits | 100.0193% | 748 |
| Net loans and leases to core deposits | 126.8422% | 379 |
| Total domestic deposits to total assets | 77.8465% | 4,517 |
| Equity capital to assets | 21.9396% | 173 |
| Core capital (leverage) ratio | 24.4129% | 123 |
| Tier 1 risk-based capital ratio | 23.9181% | 832 |
| Total risk-based capital ratio | 25.1708% | 814 |
| Memoranda: | ||
| Average total assets | $217,253,200 | 2,713 |
| Average earning assets | $209,641,800 | 2,639 |
| Average equity | $51,002,000 | 1,490 |
| Average total loans | $144,693,200 | 2,712 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 4,728 |
| Cost of funding earning assets | 0.7709% | 1,478 |
| Net interest margin | 2.8770% | 5,005 |
| Noninterest income to average assets | 0.0459% | 5,349 |
| Noninterest expense to average assets | 4.1999% | 398 |
| Loan and lease loss provision to assets | 0.7469% | 130 |
| Net operating income to assets | -2.1134% | 5,449 |
| Return on assets (ROA) | -2.1134% | 5,447 |
| Pretax return on assets | -2.1134% | 5,446 |
| Return on Equity (ROE) | -8.8089% | 5,413 |
| Retained earnings to average equity (ytd only) | -8.8089% | 5,375 |
| Net charge-offs to loans | 0.7337% | 192 |
| Credit loss provision to net charge-offs | 163.1805% | 1,618 |
| Earnings coverage of net charge-offs (x) | -2.9857% | 3,449 |
| Efficiency ratio | 148.2296% | 26 |
| Assets per employee ($millions) | 4.5938% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 1,577 |
| Loan loss allowance to noncurrent loans | 121.5098% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 1,940 |
| Noncurrent loans to loans | 1.1802% | 1,432 |
| Net loans and leases to total assets | 63.9276% | 3,436 |
| Net loans and leases to deposits | 84.7047% | 2,517 |
| Net loans and leases to core deposits | 89.2647% | 2,724 |
| Total domestic deposits to total assets | 75.4711% | 4,838 |
| Equity capital to assets | 24.3884% | 122 |
| Core capital (leverage) ratio | 28.8577% | 72 |
| Tier 1 risk-based capital ratio | 31.7957% | 404 |
| Total risk-based capital ratio | 33.0457% | 402 |
| Memoranda: | ||
| Average total assets | $203,334,750 | 2,849 |
| Average earning assets | $197,003,250 | 2,763 |
| Average equity | $48,782,750 | 1,549 |
| Average total loans | $126,842,500 | 2,949 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5858% | 4,785 |
| Cost of funding earning assets | 0.7905% | 1,173 |
| Net interest margin | 2.7954% | 5,125 |
| Noninterest income to average assets | 0.0332% | 5,436 |
| Noninterest expense to average assets | 4.3619% | 335 |
| Loan and lease loss provision to assets | 0.6934% | 146 |
| Net operating income to assets | -2.3200% | 5,513 |
| Return on assets (ROA) | -2.3200% | 5,508 |
| Pretax return on assets | -2.3200% | 5,508 |
| Return on Equity (ROE) | -9.7430% | 5,473 |
| Retained earnings to average equity (ytd only) | -9.7430% | 5,412 |
| Net charge-offs to loans | 0.2410% | 657 |
| Credit loss provision to net charge-offs | 469.5652% | 737 |
| Earnings coverage of net charge-offs (x) | -11.0145% | 3,185 |
| Efficiency ratio | 159.4679% | 27 |
| Assets per employee ($millions) | 4.7199% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 635 |
| Loan loss allowance to noncurrent loans | 144.4776% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.7551% | 1,970 |
| Noncurrent loans to loans | 1.3128% | 1,300 |
| Net loans and leases to total assets | 56.4230% | 4,125 |
| Net loans and leases to deposits | 78.9045% | 3,063 |
| Net loans and leases to core deposits | 87.2153% | 2,799 |
| Total domestic deposits to total assets | 71.5079% | 5,210 |
| Equity capital to assets | 28.2514% | 79 |
| Core capital (leverage) ratio | 32.2065% | 65 |
| Tier 1 risk-based capital ratio | 41.2396% | 214 |
| Total risk-based capital ratio | 42.4943% | 213 |
| Memoranda: | ||
| Average total assets | $186,892,670 | 3,029 |
| Average earning assets | $180,656,000 | 2,956 |
| Average equity | $44,503,670 | 1,690 |
| Average total loans | $114,500,000 | 3,100 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6345% | 4,628 |
| Cost of funding earning assets | 0.8565% | 744 |
| Net interest margin | 2.7780% | 5,179 |
| Noninterest income to average assets | 0.0992% | 5,334 |
| Noninterest expense to average assets | 4.8778% | 232 |
| Loan and lease loss provision to assets | 1.0247% | 81 |
| Net operating income to assets | -3.1307% | 5,584 |
| Return on assets (ROA) | -3.1307% | 5,582 |
| Pretax return on assets | -3.1307% | 5,582 |
| Return on Equity (ROE) | -14.9748% | 5,562 |
| Retained earnings to average equity (ytd only) | -14.9748% | 5,457 |
| Net charge-offs to loans | 0.5261% | 283 |
| Credit loss provision to net charge-offs | 305.6338% | 803 |
| Earnings coverage of net charge-offs (x) | -6.2817% | 2,692 |
| Efficiency ratio | 175.9796% | 22 |
| Assets per employee ($millions) | 4.2155% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0345% | 500 |
| Loan loss allowance to noncurrent loans | 408.3488% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 3,018 |
| Noncurrent loans to loans | 0.4982% | 3,025 |
| Net loans and leases to total assets | 57.1386% | 4,023 |
| Net loans and leases to deposits | 75.4601% | 3,278 |
| Net loans and leases to core deposits | 85.3112% | 2,860 |
| Total domestic deposits to total assets | 75.7203% | 4,993 |
| Equity capital to assets | 24.0695% | 119 |
| Core capital (leverage) ratio | 27.6306% | 80 |
| Tier 1 risk-based capital ratio | 35.4484% | 318 |
| Total risk-based capital ratio | 36.7053% | 317 |
| Memoranda: | ||
| Average total assets | $169,420,500 | 3,253 |
| Average earning assets | $162,995,500 | 3,176 |
| Average equity | $35,419,500 | 2,078 |
| Average total loans | $107,956,500 | 3,231 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 3,663 |
| Cost of funding earning assets | 0.8544% | 469 |
| Net interest margin | 3.0639% | 4,762 |
| Noninterest income to average assets | 0.0336% | 5,565 |
| Noninterest expense to average assets | 6.7472% | 122 |
| Loan and lease loss provision to assets | 0.9197% | 115 |
| Net operating income to assets | -4.8168% | 5,659 |
| Return on assets (ROA) | -4.8168% | 5,659 |
| Pretax return on assets | -4.8168% | 5,660 |
| Return on Equity (ROE) | -18.8938% | 5,638 |
| Retained earnings to average equity (ytd only) | -18.8938% | 5,612 |
| Net charge-offs to loans | 0.0972% | 2,107 |
| Credit loss provision to net charge-offs | 1,445.8333% | 275 |
| Earnings coverage of net charge-offs (x) | -61.2639% | 4,116 |
| Efficiency ratio | 236.7328% | 9 |
| Assets per employee ($millions) | 3.4854% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7730% | 821 |
| Loan loss allowance to noncurrent loans | 224.9706% | 2,090 |
| Noncurrent assets plus other real estate owned to assets | 0.7531% | 2,072 |
| Noncurrent loans to loans | 0.7881% | 2,247 |
| Net loans and leases to total assets | 69.0017% | 2,685 |
| Net loans and leases to deposits | 83.5141% | 2,548 |
| Net loans and leases to core deposits | 96.5687% | 1,977 |
| Total domestic deposits to total assets | 82.6229% | 3,686 |
| Equity capital to assets | 17.0804% | 392 |
| Core capital (leverage) ratio | 19.3015% | 222 |
| Tier 1 risk-based capital ratio | 22.8407% | 929 |
| Total risk-based capital ratio | 24.0964% | 914 |
| Memoranda: | ||
| Average total assets | $113,187,000 | 4,005 |
| Average earning assets | $104,051,000 | 4,023 |
| Average equity | $28,856,000 | 2,441 |
| Average total loans | $74,049,400 | 3,866 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9245% | 3,610 |
| Cost of funding earning assets | 0.8319% | 488 |
| Net interest margin | 3.0926% | 4,732 |
| Noninterest income to average assets | -0.0039% | 5,694 |
| Noninterest expense to average assets | 6.8640% | 122 |
| Loan and lease loss provision to assets | 1.5072% | 59 |
| Net operating income to assets | -5.5688% | 5,725 |
| Return on assets (ROA) | -5.5688% | 5,725 |
| Pretax return on assets | -5.5688% | 5,726 |
| Return on Equity (ROE) | -19.4565% | 5,708 |
| Retained earnings to average equity (ytd only) | -19.4565% | 5,677 |
| Net charge-offs to loans | 0.1463% | 1,370 |
| Credit loss provision to net charge-offs | 1,619.4444% | 238 |
| Earnings coverage of net charge-offs (x) | -43.6378% | 3,789 |
| Efficiency ratio | 244.9262% | 8 |
| Assets per employee ($millions) | 3.5716% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2201% | 392 |
| Loan loss allowance to noncurrent loans | 208.8296% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.9686% | 1,753 |
| Noncurrent loans to loans | 1.0631% | 1,817 |
| Net loans and leases to total assets | 67.7881% | 2,873 |
| Net loans and leases to deposits | 85.6768% | 2,343 |
| Net loans and leases to core deposits | 89.7175% | 2,634 |
| Total domestic deposits to total assets | 79.1207% | 4,509 |
| Equity capital to assets | 20.7544% | 198 |
| Core capital (leverage) ratio | 21.8998% | 145 |
| Tier 1 risk-based capital ratio | 29.2738% | 504 |
| Total risk-based capital ratio | 30.5352% | 499 |
| Memoranda: | ||
| Average total assets | $103,144,500 | 4,224 |
| Average earning assets | $93,598,750 | 4,245 |
| Average equity | $29,521,500 | 2,408 |
| Average total loans | $65,629,500 | 4,090 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8030% | 3,882 |
| Cost of funding earning assets | 0.7120% | 837 |
| Net interest margin | 3.0910% | 4,711 |
| Noninterest income to average assets | -0.0792% | 5,752 |
| Noninterest expense to average assets | 7.0735% | 122 |
| Loan and lease loss provision to assets | 1.6239% | 58 |
| Net operating income to assets | -5.9716% | 5,777 |
| Return on assets (ROA) | -5.9716% | 5,777 |
| Pretax return on assets | -5.9716% | 5,778 |
| Return on Equity (ROE) | -18.4714% | 5,752 |
| Retained earnings to average equity (ytd only) | -18.4714% | 5,719 |
| Net charge-offs to loans | 0.2493% | 818 |
| Credit loss provision to net charge-offs | 1,069.0141% | 372 |
| Earnings coverage of net charge-offs (x) | -28.6197% | 3,497 |
| Efficiency ratio | 259.4976% | 7 |
| Assets per employee ($millions) | 2.9953% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1944% | 441 |
| Loan loss allowance to noncurrent loans | 163.1896% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 1.1448% | 1,504 |
| Noncurrent loans to loans | 1.3447% | 1,435 |
| Net loans and leases to total assets | 63.7120% | 3,431 |
| Net loans and leases to deposits | 85.4921% | 2,288 |
| Net loans and leases to core deposits | 88.9288% | 2,622 |
| Total domestic deposits to total assets | 74.5238% | 5,245 |
| Equity capital to assets | 25.3479% | 94 |
| Core capital (leverage) ratio | 28.7122% | 60 |
| Tier 1 risk-based capital ratio | 38.1624% | 242 |
| Total risk-based capital ratio | 39.4243% | 234 |
| Memoranda: | ||
| Average total assets | $93,476,000 | 4,430 |
| Average earning assets | $84,828,000 | 4,448 |
| Average equity | $30,219,670 | 2,357 |
| Average total loans | $56,967,330 | 4,333 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6329% | 4,324 |
| Cost of funding earning assets | 0.6222% | 1,230 |
| Net interest margin | 3.0107% | 4,871 |
| Noninterest income to average assets | 0.1537% | 5,347 |
| Noninterest expense to average assets | 7.5050% | 112 |
| Loan and lease loss provision to assets | 1.5894% | 51 |
| Net operating income to assets | -6.1990% | 5,851 |
| Return on assets (ROA) | -6.1990% | 5,851 |
| Pretax return on assets | -6.1990% | 5,850 |
| Return on Equity (ROE) | -16.7098% | 5,806 |
| Retained earnings to average equity (ytd only) | -16.7098% | 5,687 |
| Net charge-offs to loans | -0.0331% | 4,979 |
| Credit loss provision to net charge-offs | -8,275.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 259.2040% | 11 |
| Assets per employee ($millions) | 2.6266% | 5,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2204% | 462 |
| Loan loss allowance to noncurrent loans | 120.5104% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.5737% | 991 |
| Noncurrent loans to loans | 1.8425% | 1,005 |
| Net loans and leases to total assets | 64.7773% | 3,152 |
| Net loans and leases to deposits | 99.8542% | 624 |
| Net loans and leases to core deposits | 105.0065% | 1,160 |
| Total domestic deposits to total assets | 64.8719% | 5,731 |
| Equity capital to assets | 34.9285% | 57 |
| Core capital (leverage) ratio | 36.3928% | 51 |
| Tier 1 risk-based capital ratio | 53.2137% | 111 |
| Total risk-based capital ratio | 54.4759% | 110 |
| Memoranda: | ||
| Average total assets | $83,304,000 | 4,651 |
| Average earning assets | $75,862,500 | 4,658 |
| Average equity | $30,904,000 | 2,303 |
| Average total loans | $48,379,000 | 4,612 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6420% | 4,399 |
| Cost of funding earning assets | 0.7044% | 797 |
| Net interest margin | 2.9376% | 5,065 |
| Noninterest income to average assets | 0.2449% | 4,957 |
| Noninterest expense to average assets | 7.3719% | 120 |
| Loan and lease loss provision to assets | 0.3087% | 608 |
| Net operating income to assets | -4.7278% | 5,905 |
| Return on assets (ROA) | -4.7278% | 5,905 |
| Pretax return on assets | -4.7278% | 5,905 |
| Return on Equity (ROE) | -18.5478% | 5,874 |
| Retained earnings to average equity (ytd only) | -18.5478% | 5,850 |
| Net charge-offs to loans | 0.1938% | 1,433 |
| Credit loss provision to net charge-offs | 259.1549% | 1,117 |
| Earnings coverage of net charge-offs (x) | -37.0986% | 4,268 |
| Efficiency ratio | 249.6591% | 6 |
| Assets per employee ($millions) | 2.3509% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3897% | 361 |
| Loan loss allowance to noncurrent loans | 152.1036% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.1560% | 1,587 |
| Noncurrent loans to loans | 1.5711% | 1,256 |
| Net loans and leases to total assets | 48.0364% | 4,895 |
| Net loans and leases to deposits | 79.7408% | 2,912 |
| Net loans and leases to core deposits | 85.0410% | 2,926 |
| Total domestic deposits to total assets | 60.2407% | 5,823 |
| Equity capital to assets | 39.4503% | 48 |
| Core capital (leverage) ratio | 43.5250% | 43 |
| Tier 1 risk-based capital ratio | 68.3183% | 63 |
| Total risk-based capital ratio | 69.5771% | 63 |
| Memoranda: | ||
| Average total assets | $59,605,000 | 5,152 |
| Average earning assets | $54,942,800 | 5,149 |
| Average equity | $15,193,200 | 3,789 |
| Average total loans | $36,628,600 | 4,999 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9199% | 3,517 |
| Cost of funding earning assets | 0.7476% | 642 |
| Net interest margin | 3.1722% | 4,570 |
| Noninterest income to average assets | 0.2568% | 4,925 |
| Noninterest expense to average assets | 6.8739% | 139 |
| Loan and lease loss provision to assets | 0.0611% | 3,018 |
| Net operating income to assets | -3.7732% | 5,967 |
| Return on assets (ROA) | -3.7732% | 5,967 |
| Pretax return on assets | -3.7732% | 5,967 |
| Return on Equity (ROE) | -18.5203% | 5,940 |
| Retained earnings to average equity (ytd only) | -18.5203% | 5,908 |
| Net charge-offs to loans | 0.0260% | 3,147 |
| Credit loss provision to net charge-offs | 357.1429% | 917 |
| Earnings coverage of net charge-offs (x) | -216.9293% | 3,947 |
| Efficiency ratio | 217.4014% | 10 |
| Assets per employee ($millions) | 3.0042% | 5,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3521% | 406 |
| Loan loss allowance to noncurrent loans | 141.5410% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 1.3069% | 1,466 |
| Noncurrent loans to loans | 1.6618% | 1,279 |
| Net loans and leases to total assets | 50.7699% | 4,763 |
| Net loans and leases to deposits | 76.2277% | 3,379 |
| Net loans and leases to core deposits | 80.8947% | 3,362 |
| Total domestic deposits to total assets | 66.6030% | 5,803 |
| Equity capital to assets | 33.0222% | 59 |
| Core capital (leverage) ratio | 35.2673% | 56 |
| Tier 1 risk-based capital ratio | 56.1494% | 101 |
| Total risk-based capital ratio | 57.4114% | 102 |
| Memoranda: | ||
| Average total assets | $54,523,500 | 5,304 |
| Average earning assets | $49,932,500 | 5,301 |
| Average equity | $11,108,250 | 4,455 |
| Average total loans | $35,951,750 | 5,066 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2922% | 2,180 |
| Cost of funding earning assets | 0.7880% | 524 |
| Net interest margin | 3.5042% | 3,479 |
| Noninterest income to average assets | 0.2819% | 4,769 |
| Noninterest expense to average assets | 6.6484% | 149 |
| Loan and lease loss provision to assets | 0.1007% | 2,152 |
| Net operating income to assets | -3.2618% | 6,038 |
| Return on assets (ROA) | -3.2618% | 6,038 |
| Pretax return on assets | -3.2618% | 6,035 |
| Return on Equity (ROE) | -22.4834% | 6,016 |
| Retained earnings to average equity (ytd only) | -22.4834% | 5,981 |
| Net charge-offs to loans | 0.1947% | 1,178 |
| Credit loss provision to net charge-offs | 71.4286% | 2,459 |
| Earnings coverage of net charge-offs (x) | -22.4286% | 3,663 |
| Efficiency ratio | 190.6467% | 19 |
| Assets per employee ($millions) | 3.1169% | 5,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3422% | 437 |
| Loan loss allowance to noncurrent loans | 117.8932% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 1.7806% | 973 |
| Noncurrent loans to loans | 1.9868% | 1,003 |
| Net loans and leases to total assets | 60.7158% | 3,787 |
| Net loans and leases to deposits | 78.8409% | 3,070 |
| Net loans and leases to core deposits | 84.1627% | 3,067 |
| Total domestic deposits to total assets | 77.0106% | 5,162 |
| Equity capital to assets | 22.7684% | 137 |
| Core capital (leverage) ratio | 25.7456% | 86 |
| Tier 1 risk-based capital ratio | 38.1445% | 262 |
| Total risk-based capital ratio | 39.4155% | 260 |
| Memoranda: | ||
| Average total assets | $49,666,000 | 5,471 |
| Average earning assets | $45,431,670 | 5,464 |
| Average equity | $7,205,330 | 5,158 |
| Average total loans | $35,960,670 | 5,109 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7161% | 1,013 |
| Cost of funding earning assets | 0.8173% | 446 |
| Net interest margin | 3.8987% | 1,937 |
| Noninterest income to average assets | 0.2584% | 4,883 |
| Noninterest expense to average assets | 7.9230% | 110 |
| Loan and lease loss provision to assets | 0.1722% | 1,189 |
| Net operating income to assets | -4.2629% | 6,104 |
| Return on assets (ROA) | -4.2629% | 6,104 |
| Pretax return on assets | -4.2629% | 6,100 |
| Return on Equity (ROE) | -44.7862% | 6,101 |
| Retained earnings to average equity (ytd only) | -44.7862% | 6,068 |
| Net charge-offs to loans | 0.4384% | 520 |
| Credit loss provision to net charge-offs | 50.0000% | 2,049 |
| Earnings coverage of net charge-offs (x) | -11.8750% | 3,065 |
| Efficiency ratio | 206.7416% | 19 |
| Assets per employee ($millions) | 2.4018% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2459% | 556 |
| Loan loss allowance to noncurrent loans | 62.7527% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 3.0964% | 400 |
| Noncurrent loans to loans | 3.5790% | 378 |
| Net loans and leases to total assets | 76.9711% | 1,253 |
| Net loans and leases to deposits | 85.2673% | 2,162 |
| Net loans and leases to core deposits | 90.6007% | 2,314 |
| Total domestic deposits to total assets | 90.2704% | 499 |
| Equity capital to assets | 9.1774% | 5,014 |
| Core capital (leverage) ratio | 8.9044% | 4,959 |
| Tier 1 risk-based capital ratio | 12.9086% | 4,320 |
| Total risk-based capital ratio | 14.1741% | 4,225 |
| Memoranda: | ||
| Average total assets | $46,447,000 | 5,585 |
| Average earning assets | $42,578,000 | 5,582 |
| Average equity | $4,421,000 | 5,736 |
| Average total loans | $36,500,500 | 5,128 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5632% | 4,769 |
| Cost of funding earning assets | 0.6813% | 903 |
| Net interest margin | 2.8819% | 5,365 |
| Noninterest income to average assets | 0.2631% | 5,004 |
| Noninterest expense to average assets | 7.2601% | 132 |
| Loan and lease loss provision to assets | 0.9872% | 88 |
| Net operating income to assets | -5.2772% | 6,178 |
| Return on assets (ROA) | -5.2772% | 6,178 |
| Pretax return on assets | -5.2772% | 6,177 |
| Return on Equity (ROE) | -46.1881% | 6,170 |
| Retained earnings to average equity (ytd only) | -46.1881% | 6,168 |
| Net charge-offs to loans | 1.3746% | 120 |
| Credit loss provision to net charge-offs | 104.6875% | 2,398 |
| Earnings coverage of net charge-offs (x) | -4.5491% | 4,394 |
| Efficiency ratio | 244.4366% | 5 |
| Assets per employee ($millions) | 2.4874% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2310% | 568 |
| Loan loss allowance to noncurrent loans | 39.8554% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 4.6593% | 198 |
| Noncurrent loans to loans | 5.5977% | 161 |
| Net loans and leases to total assets | 76.6864% | 1,304 |
| Net loans and leases to deposits | 87.5982% | 1,927 |
| Net loans and leases to core deposits | 93.0356% | 2,128 |
| Total domestic deposits to total assets | 87.5434% | 1,868 |
| Equity capital to assets | 9.8477% | 4,133 |
| Core capital (leverage) ratio | 9.7038% | 3,900 |
| Tier 1 risk-based capital ratio | 13.9916% | 3,719 |
| Total risk-based capital ratio | 15.2568% | 3,637 |
| Memoranda: | ||
| Average total assets | $47,506,400 | 5,599 |
| Average earning assets | $44,622,800 | 5,562 |
| Average equity | $5,427,800 | 5,556 |
| Average total loans | $32,591,200 | 5,273 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4185% | 5,166 |
| Cost of funding earning assets | 0.6545% | 1,069 |
| Net interest margin | 2.7640% | 5,643 |
| Noninterest income to average assets | 0.2607% | 5,077 |
| Noninterest expense to average assets | 7.1363% | 143 |
| Loan and lease loss provision to assets | 1.5360% | 32 |
| Net operating income to assets | -5.8077% | 6,264 |
| Return on assets (ROA) | -5.8077% | 6,264 |
| Pretax return on assets | -5.8077% | 6,264 |
| Return on Equity (ROE) | -49.1457% | 6,255 |
| Retained earnings to average equity (ytd only) | -49.1457% | 6,251 |
| Net charge-offs to loans | 1.1735% | 139 |
| Credit loss provision to net charge-offs | 197.8339% | 1,348 |
| Earnings coverage of net charge-offs (x) | -5.5019% | 4,134 |
| Efficiency ratio | 249.1194% | 11 |
| Assets per employee ($millions) | 2.7424% | 5,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1473% | 210 |
| Loan loss allowance to noncurrent loans | 45.4239% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 4.8032% | 213 |
| Noncurrent loans to loans | 6.9287% | 104 |
| Net loans and leases to total assets | 67.1414% | 2,835 |
| Net loans and leases to deposits | 74.4920% | 3,490 |
| Net loans and leases to core deposits | 78.7581% | 3,535 |
| Total domestic deposits to total assets | 90.1323% | 523 |
| Equity capital to assets | 9.3329% | 4,966 |
| Core capital (leverage) ratio | 9.2886% | 4,601 |
| Tier 1 risk-based capital ratio | 14.4077% | 3,621 |
| Total risk-based capital ratio | 15.6834% | 3,523 |
| Memoranda: | ||
| Average total assets | $47,568,000 | 5,669 |
| Average earning assets | $44,814,000 | 5,633 |
| Average equity | $5,621,250 | 5,587 |
| Average total loans | $31,471,750 | 5,369 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1887% | 5,640 |
| Cost of funding earning assets | 0.6125% | 1,325 |
| Net interest margin | 2.5762% | 5,903 |
| Noninterest income to average assets | 0.2555% | 5,125 |
| Noninterest expense to average assets | 7.4218% | 131 |
| Loan and lease loss provision to assets | 1.1923% | 52 |
| Net operating income to assets | -5.9230% | 6,341 |
| Return on assets (ROA) | -5.9230% | 6,342 |
| Pretax return on assets | -5.9230% | 6,342 |
| Return on Equity (ROE) | -46.6831% | 6,329 |
| Retained earnings to average equity (ytd only) | -46.6831% | 6,320 |
| Net charge-offs to loans | -0.0327% | 5,365 |
| Credit loss provision to net charge-offs | -5,600.0000% | 5,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 275.7911% | 10 |
| Assets per employee ($millions) | 2.6017% | 5,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2481% | 207 |
| Loan loss allowance to noncurrent loans | 36.0066% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 6.1296% | 153 |
| Noncurrent loans to loans | 9.0208% | 65 |
| Net loans and leases to total assets | 65.7428% | 2,996 |
| Net loans and leases to deposits | 74.0358% | 3,485 |
| Net loans and leases to core deposits | 77.7092% | 3,610 |
| Total domestic deposits to total assets | 88.7988% | 1,247 |
| Equity capital to assets | 10.6449% | 3,276 |
| Core capital (leverage) ratio | 11.2532% | 2,206 |
| Tier 1 risk-based capital ratio | 16.5846% | 2,576 |
| Total risk-based capital ratio | 17.8598% | 2,515 |
| Memoranda: | ||
| Average total assets | $46,969,670 | 5,747 |
| Average earning assets | $44,407,000 | 5,705 |
| Average equity | $5,959,330 | 5,559 |
| Average total loans | $30,555,670 | 5,451 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4995% | 4,964 |
| Cost of funding earning assets | 0.5848% | 1,544 |
| Net interest margin | 2.9147% | 5,422 |
| Noninterest income to average assets | 0.2886% | 4,861 |
| Noninterest expense to average assets | 7.4161% | 135 |
| Loan and lease loss provision to assets | 1.3993% | 44 |
| Net operating income to assets | -5.7807% | 6,406 |
| Return on assets (ROA) | -5.7807% | 6,406 |
| Pretax return on assets | -5.7807% | 6,406 |
| Return on Equity (ROE) | -41.9150% | 6,396 |
| Retained earnings to average equity (ytd only) | -41.9150% | 6,377 |
| Net charge-offs to loans | -0.0689% | 5,685 |
| Credit loss provision to net charge-offs | -3,200.0000% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.3804% | 13 |
| Assets per employee ($millions) | 2.3062% | 6,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3070% | 213 |
| Loan loss allowance to noncurrent loans | 32.7156% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 6.7736% | 139 |
| Noncurrent loans to loans | 10.1083% | 59 |
| Net loans and leases to total assets | 64.7945% | 2,976 |
| Net loans and leases to deposits | 75.6488% | 3,095 |
| Net loans and leases to core deposits | 77.2061% | 3,464 |
| Total domestic deposits to total assets | 85.6517% | 3,118 |
| Equity capital to assets | 13.6910% | 1,094 |
| Core capital (leverage) ratio | 12.9569% | 1,169 |
| Tier 1 risk-based capital ratio | 21.3983% | 1,348 |
| Total risk-based capital ratio | 22.6760% | 1,314 |
| Memoranda: | ||
| Average total assets | $45,738,500 | 5,825 |
| Average earning assets | $43,091,500 | 5,785 |
| Average equity | $6,308,000 | 5,530 |
| Average total loans | $29,039,000 | 5,559 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3042% | 5,700 |
| Cost of funding earning assets | 0.6089% | 1,692 |
| Net interest margin | 2.6953% | 5,947 |
| Noninterest income to average assets | -0.2595% | 6,482 |
| Noninterest expense to average assets | 6.2536% | 168 |
| Loan and lease loss provision to assets | 1.9155% | 32 |
| Net operating income to assets | -5.8773% | 6,498 |
| Return on assets (ROA) | -5.8773% | 6,498 |
| Pretax return on assets | -5.8773% | 6,500 |
| Return on Equity (ROE) | -36.6504% | 6,475 |
| Retained earnings to average equity (ytd only) | -36.6504% | 6,470 |
| Net charge-offs to loans | 2.6734% | 51 |
| Credit loss provision to net charge-offs | 136.7751% | 1,731 |
| Earnings coverage of net charge-offs (x) | -2.8289% | 4,853 |
| Efficiency ratio | 272.8608% | 10 |
| Assets per employee ($millions) | 2.6478% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8068% | 371 |
| Loan loss allowance to noncurrent loans | 46.4553% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 3.6739% | 491 |
| Noncurrent loans to loans | 6.0419% | 188 |
| Net loans and leases to total assets | 58.5606% | 3,987 |
| Net loans and leases to deposits | 68.5026% | 4,081 |
| Net loans and leases to core deposits | 68.9391% | 4,412 |
| Total domestic deposits to total assets | 85.4868% | 3,087 |
| Equity capital to assets | 13.8838% | 1,000 |
| Core capital (leverage) ratio | 13.6773% | 909 |
| Tier 1 risk-based capital ratio | 23.7851% | 980 |
| Total risk-based capital ratio | 25.0530% | 953 |
| Memoranda: | ||
| Average total assets | $50,482,600 | 5,776 |
| Average earning assets | $47,787,200 | 5,727 |
| Average equity | $8,095,400 | 5,180 |
| Average total loans | $26,446,200 | 5,725 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2341% | 5,864 |
| Cost of funding earning assets | 0.6172% | 1,702 |
| Net interest margin | 2.6169% | 6,112 |
| Noninterest income to average assets | -0.3829% | 6,568 |
| Noninterest expense to average assets | 6.1341% | 177 |
| Loan and lease loss provision to assets | 1.8988% | 35 |
| Net operating income to assets | -5.9309% | 6,581 |
| Return on assets (ROA) | -5.9309% | 6,581 |
| Pretax return on assets | -5.9309% | 6,581 |
| Return on Equity (ROE) | -35.8644% | 6,550 |
| Retained earnings to average equity (ytd only) | -35.8644% | 6,546 |
| Net charge-offs to loans | 1.2262% | 220 |
| Credit loss provision to net charge-offs | 306.3025% | 894 |
| Earnings coverage of net charge-offs (x) | -6.5041% | 4,618 |
| Efficiency ratio | 291.8216% | 7 |
| Assets per employee ($millions) | 2.9699% | 5,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1210% | 150 |
| Loan loss allowance to noncurrent loans | 76.7012% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.7096% | 924 |
| Noncurrent loans to loans | 5.3728% | 307 |
| Net loans and leases to total assets | 47.7876% | 5,227 |
| Net loans and leases to deposits | 56.0793% | 5,233 |
| Net loans and leases to core deposits | 56.4163% | 5,425 |
| Total domestic deposits to total assets | 85.2143% | 3,254 |
| Equity capital to assets | 14.4113% | 872 |
| Core capital (leverage) ratio | 14.2961% | 771 |
| Tier 1 risk-based capital ratio | 30.5839% | 493 |
| Total risk-based capital ratio | 31.8700% | 488 |
| Memoranda: | ||
| Average total assets | $51,188,250 | 5,826 |
| Average earning assets | $48,606,250 | 5,775 |
| Average equity | $8,465,000 | 5,138 |
| Average total loans | $25,878,750 | 5,797 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2233% | 5,917 |
| Cost of funding earning assets | 0.6274% | 1,660 |
| Net interest margin | 2.5959% | 6,175 |
| Noninterest income to average assets | 0.1556% | 6,013 |
| Noninterest expense to average assets | 6.8726% | 142 |
| Loan and lease loss provision to assets | 0.9996% | 105 |
| Net operating income to assets | -5.2546% | 6,647 |
| Return on assets (ROA) | -5.2546% | 6,647 |
| Pretax return on assets | -5.2546% | 6,647 |
| Return on Equity (ROE) | -30.4920% | 6,609 |
| Retained earnings to average equity (ytd only) | -30.4920% | 6,589 |
| Net charge-offs to loans | 1.8226% | 130 |
| Credit loss provision to net charge-offs | 107.9832% | 1,856 |
| Earnings coverage of net charge-offs (x) | -4.5966% | 4,285 |
| Efficiency ratio | 262.5557% | 12 |
| Assets per employee ($millions) | 3.8441% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2136% | 1,006 |
| Loan loss allowance to noncurrent loans | 49.5614% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 2.3635% | 1,233 |
| Noncurrent loans to loans | 4.4664% | 494 |
| Net loans and leases to total assets | 46.3767% | 5,325 |
| Net loans and leases to deposits | 55.0012% | 5,284 |
| Net loans and leases to core deposits | 55.3133% | 5,456 |
| Total domestic deposits to total assets | 84.3194% | 3,813 |
| Equity capital to assets | 15.2142% | 656 |
| Core capital (leverage) ratio | 15.4999% | 538 |
| Tier 1 risk-based capital ratio | 33.6899% | 387 |
| Total risk-based capital ratio | 34.9531% | 378 |
| Memoranda: | ||
| Average total assets | $51,421,670 | 5,870 |
| Average earning assets | $48,769,330 | 5,815 |
| Average equity | $8,861,330 | 5,064 |
| Average total loans | $26,117,000 | 5,838 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3150% | 5,812 |
| Cost of funding earning assets | 0.6479% | 1,598 |
| Net interest margin | 2.6672% | 6,146 |
| Noninterest income to average assets | 0.1673% | 5,977 |
| Noninterest expense to average assets | 6.4910% | 163 |
| Loan and lease loss provision to assets | 1.5929% | 53 |
| Net operating income to assets | -5.3919% | 6,713 |
| Return on assets (ROA) | -5.3919% | 6,713 |
| Pretax return on assets | -5.3919% | 6,711 |
| Return on Equity (ROE) | -29.4412% | 6,662 |
| Retained earnings to average equity (ytd only) | -29.4412% | 6,614 |
| Net charge-offs to loans | 0.0454% | 2,748 |
| Credit loss provision to net charge-offs | 6,666.6667% | 42 |
| Earnings coverage of net charge-offs (x) | -159.0000% | 3,653 |
| Efficiency ratio | 241.1243% | 18 |
| Assets per employee ($millions) | 3.6261% | 4,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8201% | 528 |
| Loan loss allowance to noncurrent loans | 80.5857% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 2.2023% | 1,502 |
| Noncurrent loans to loans | 3.4994% | 834 |
| Net loans and leases to total assets | 50.4353% | 4,858 |
| Net loans and leases to deposits | 61.2038% | 4,639 |
| Net loans and leases to core deposits | 61.5792% | 4,916 |
| Total domestic deposits to total assets | 82.4055% | 4,815 |
| Equity capital to assets | 17.4526% | 355 |
| Core capital (leverage) ratio | 17.8333% | 311 |
| Tier 1 risk-based capital ratio | 38.1940% | 270 |
| Total risk-based capital ratio | 39.4698% | 265 |
| Memoranda: | ||
| Average total assets | $50,223,500 | 5,959 |
| Average earning assets | $47,541,000 | 5,899 |
| Average equity | $9,198,000 | 5,000 |
| Average total loans | $26,413,500 | 5,875 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 3,412 |
| Cost of funding earning assets | 0.8857% | 797 |
| Net interest margin | 3.2952% | 4,684 |
| Noninterest income to average assets | 0.1968% | 5,907 |
| Noninterest expense to average assets | 5.1419% | 314 |
| Loan and lease loss provision to assets | -0.1566% | 6,555 |
| Net operating income to assets | -1.6931% | 6,692 |
| Return on assets (ROA) | -1.6931% | 6,687 |
| Pretax return on assets | -1.6931% | 6,681 |
| Return on Equity (ROE) | -17.9972% | 6,673 |
| Retained earnings to average equity (ytd only) | -17.9972% | 6,651 |
| Net charge-offs to loans | 0.1012% | 3,821 |
| Credit loss provision to net charge-offs | -241.3793% | 6,014 |
| Earnings coverage of net charge-offs (x) | -28.5172% | 5,452 |
| Efficiency ratio | 156.1821% | 62 |
| Assets per employee ($millions) | 4.1401% | 3,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0619% | 1,414 |
| Loan loss allowance to noncurrent loans | 1,050.0000% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.8836% | 3,682 |
| Noncurrent loans to loans | 0.1964% | 5,597 |
| Net loans and leases to total assets | 52.2010% | 4,820 |
| Net loans and leases to deposits | 64.7880% | 4,435 |
| Net loans and leases to core deposits | 65.2018% | 4,760 |
| Total domestic deposits to total assets | 80.5720% | 5,300 |
| Equity capital to assets | 19.1945% | 252 |
| Core capital (leverage) ratio | 19.5956% | 219 |
| Tier 1 risk-based capital ratio | 39.2566% | 241 |
| Total risk-based capital ratio | 40.5203% | 236 |
| Memoranda: | ||
| Average total assets | $44,711,000 | 6,158 |
| Average earning assets | $42,001,000 | 6,110 |
| Average equity | $4,206,200 | 6,283 |
| Average total loans | $28,664,200 | 5,818 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3519% | 2,779 |
| Cost of funding earning assets | 0.9515% | 640 |
| Net interest margin | 3.4005% | 4,286 |
| Noninterest income to average assets | 0.1932% | 6,016 |
| Noninterest expense to average assets | 5.0089% | 334 |
| Loan and lease loss provision to assets | -0.1534% | 6,680 |
| Net operating income to assets | -1.4723% | 6,758 |
| Return on assets (ROA) | -1.4723% | 6,762 |
| Pretax return on assets | -1.4723% | 6,754 |
| Return on Equity (ROE) | -22.2699% | 6,783 |
| Retained earnings to average equity (ytd only) | -22.2699% | 6,770 |
| Net charge-offs to loans | -0.0411% | 6,252 |
| Credit loss provision to net charge-offs | 555.5556% | 503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.0508% | 78 |
| Assets per employee ($millions) | 3.5359% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1951% | 1,334 |
| Loan loss allowance to noncurrent loans | 3,178.9474% | 189 |
| Noncurrent assets plus other real estate owned to assets | 1.4070% | 2,845 |
| Noncurrent loans to loans | 0.0691% | 6,133 |
| Net loans and leases to total assets | 63.4253% | 3,093 |
| Net loans and leases to deposits | 67.6572% | 4,105 |
| Net loans and leases to core deposits | 68.0920% | 4,517 |
| Total domestic deposits to total assets | 93.7451% | 84 |
| Equity capital to assets | 6.1606% | 6,678 |
| Core capital (leverage) ratio | 6.1564% | 6,699 |
| Tier 1 risk-based capital ratio | 10.2030% | 6,539 |
| Total risk-based capital ratio | 11.4676% | 6,501 |
| Memoranda: | ||
| Average total assets | $43,468,500 | 6,258 |
| Average earning assets | $40,777,750 | 6,216 |
| Average equity | $2,873,750 | 6,628 |
| Average total loans | $29,210,250 | 5,858 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4025% | 2,554 |
| Cost of funding earning assets | 0.9583% | 685 |
| Net interest margin | 3.4441% | 4,024 |
| Noninterest income to average assets | 0.1963% | 6,030 |
| Noninterest expense to average assets | 4.9390% | 369 |
| Loan and lease loss provision to assets | -0.2282% | 6,799 |
| Net operating income to assets | -1.2827% | 6,786 |
| Return on assets (ROA) | -1.2827% | 6,789 |
| Pretax return on assets | -1.2827% | 6,777 |
| Return on Equity (ROE) | -18.9844% | 6,823 |
| Retained earnings to average equity (ytd only) | -18.9844% | 6,797 |
| Net charge-offs to loans | -0.0739% | 6,400 |
| Credit loss provision to net charge-offs | 454.5455% | 600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.0746% | 84 |
| Assets per employee ($millions) | 3.5753% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1629% | 1,501 |
| Loan loss allowance to noncurrent loans | 4,661.5385% | 140 |
| Noncurrent assets plus other real estate owned to assets | 1.3775% | 3,036 |
| Noncurrent loans to loans | 0.0464% | 6,251 |
| Net loans and leases to total assets | 63.8930% | 2,926 |
| Net loans and leases to deposits | 68.4462% | 3,945 |
| Net loans and leases to core deposits | 68.8813% | 4,409 |
| Total domestic deposits to total assets | 93.3478% | 96 |
| Equity capital to assets | 6.5567% | 6,678 |
| Core capital (leverage) ratio | 6.5043% | 6,698 |
| Tier 1 risk-based capital ratio | 10.8384% | 6,400 |
| Total risk-based capital ratio | 12.0983% | 6,367 |
| Memoranda: | ||
| Average total assets | $43,814,330 | 6,291 |
| Average earning assets | $41,113,330 | 6,253 |
| Average equity | $2,960,330 | 6,665 |
| Average total loans | $29,775,000 | 5,853 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4964% | 2,181 |
| Cost of funding earning assets | 0.9725% | 696 |
| Net interest margin | 3.5240% | 3,601 |
| Noninterest income to average assets | 0.2259% | 5,849 |
| Noninterest expense to average assets | 5.0508% | 353 |
| Loan and lease loss provision to assets | -0.4518% | 6,949 |
| Net operating income to assets | -1.0662% | 6,828 |
| Return on assets (ROA) | -1.0662% | 6,837 |
| Pretax return on assets | -1.0662% | 6,820 |
| Return on Equity (ROE) | -15.5570% | 6,871 |
| Retained earnings to average equity (ytd only) | -15.5570% | 6,759 |
| Net charge-offs to loans | -0.0261% | 5,836 |
| Credit loss provision to net charge-offs | 2,500.0000% | 122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.9668% | 102 |
| Assets per employee ($millions) | 3.6731% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0152% | 2,003 |
| Loan loss allowance to noncurrent loans | 4,264.2857% | 140 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 3,272 |
| Noncurrent loans to loans | 0.0473% | 6,342 |
| Net loans and leases to total assets | 65.8575% | 2,391 |
| Net loans and leases to deposits | 70.6724% | 3,366 |
| Net loans and leases to core deposits | 71.5698% | 3,874 |
| Total domestic deposits to total assets | 93.1869% | 114 |
| Equity capital to assets | 6.7496% | 6,755 |
| Core capital (leverage) ratio | 6.7145% | 6,711 |
| Tier 1 risk-based capital ratio | 10.9435% | 6,431 |
| Total risk-based capital ratio | 12.2053% | 6,394 |
| Memoranda: | ||
| Average total assets | $44,270,000 | 6,336 |
| Average earning assets | $41,544,000 | 6,296 |
| Average equity | $3,034,000 | 6,717 |
| Average total loans | $30,653,500 | 5,864 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 1,615 |
| Cost of funding earning assets | 1.1706% | 660 |
| Net interest margin | 3.8102% | 3,182 |
| Noninterest income to average assets | 0.1709% | 6,175 |
| Noninterest expense to average assets | 4.9884% | 382 |
| Loan and lease loss provision to assets | 0.8977% | 499 |
| Net operating income to assets | -2.1524% | 6,948 |
| Return on assets (ROA) | -2.1524% | 6,952 |
| Pretax return on assets | -2.1524% | 6,947 |
| Return on Equity (ROE) | -28.6727% | 6,949 |
| Retained earnings to average equity (ytd only) | -28.6727% | 6,926 |
| Net charge-offs to loans | 1.4364% | 634 |
| Credit loss provision to net charge-offs | 85.2156% | 3,660 |
| Earnings coverage of net charge-offs (x) | -1.1910% | 5,774 |
| Efficiency ratio | 133.6037% | 138 |
| Assets per employee ($millions) | 3.4202% | 5,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0359% | 1,926 |
| Loan loss allowance to noncurrent loans | 313.1068% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 1.3719% | 3,341 |
| Noncurrent loans to loans | 0.6502% | 4,895 |
| Net loans and leases to total assets | 69.8041% | 1,883 |
| Net loans and leases to deposits | 75.0738% | 2,953 |
| Net loans and leases to core deposits | 76.0170% | 3,529 |
| Total domestic deposits to total assets | 92.9807% | 133 |
| Equity capital to assets | 6.9563% | 6,781 |
| Core capital (leverage) ratio | 6.9613% | 6,713 |
| Tier 1 risk-based capital ratio | 10.8944% | 6,389 |
| Total risk-based capital ratio | 12.1585% | 6,351 |
| Memoranda: | ||
| Average total assets | $46,227,200 | 6,323 |
| Average earning assets | $43,225,600 | 6,263 |
| Average equity | $3,470,200 | 6,696 |
| Average total loans | $33,903,800 | 5,761 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0299% | 1,608 |
| Cost of funding earning assets | 1.2231% | 627 |
| Net interest margin | 3.8069% | 3,310 |
| Noninterest income to average assets | 0.1686% | 6,294 |
| Noninterest expense to average assets | 5.0997% | 343 |
| Loan and lease loss provision to assets | 1.2856% | 269 |
| Net operating income to assets | -2.6598% | 7,098 |
| Return on assets (ROA) | -2.6598% | 7,099 |
| Pretax return on assets | -2.6598% | 7,090 |
| Return on Equity (ROE) | -34.8240% | 7,081 |
| Retained earnings to average equity (ytd only) | -34.8240% | 7,073 |
| Net charge-offs to loans | 1.8959% | 399 |
| Credit loss provision to net charge-offs | 91.8367% | 3,235 |
| Earnings coverage of net charge-offs (x) | -0.9816% | 5,572 |
| Efficiency ratio | 136.8865% | 127 |
| Assets per employee ($millions) | 3.4605% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0548% | 2,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1248% | 4,045 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 71.7334% | 1,597 |
| Net loans and leases to deposits | 77.2010% | 2,772 |
| Net loans and leases to core deposits | 78.1545% | 3,438 |
| Total domestic deposits to total assets | 92.9178% | 121 |
| Equity capital to assets | 7.0155% | 6,880 |
| Core capital (leverage) ratio | 6.9913% | 6,797 |
| Tier 1 risk-based capital ratio | 10.7297% | 6,595 |
| Total risk-based capital ratio | 11.9940% | 6,571 |
| Memoranda: | ||
| Average total assets | $46,668,250 | 6,375 |
| Average earning assets | $43,604,500 | 6,321 |
| Average equity | $3,564,500 | 6,754 |
| Average total loans | $34,459,250 | 5,816 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 1,520 |
| Cost of funding earning assets | 1.2766% | 581 |
| Net interest margin | 3.8161% | 3,286 |
| Noninterest income to average assets | 0.1397% | 6,494 |
| Noninterest expense to average assets | 5.5009% | 273 |
| Loan and lease loss provision to assets | 1.9056% | 158 |
| Net operating income to assets | -3.7096% | 7,184 |
| Return on assets (ROA) | -3.7096% | 7,186 |
| Pretax return on assets | -3.7096% | 7,182 |
| Return on Equity (ROE) | -47.3428% | 7,160 |
| Retained earnings to average equity (ytd only) | -47.3428% | 7,155 |
| Net charge-offs to loans | 2.8773% | 211 |
| Credit loss provision to net charge-offs | 89.4632% | 3,067 |
| Earnings coverage of net charge-offs (x) | -0.8469% | 5,287 |
| Efficiency ratio | 148.7973% | 106 |
| Assets per employee ($millions) | 3.5298% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 2,221 |
| Loan loss allowance to noncurrent loans | 66,400.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 1.3751% | 3,684 |
| Noncurrent loans to loans | 0.0030% | 6,721 |
| Net loans and leases to total assets | 70.8268% | 1,770 |
| Net loans and leases to deposits | 76.1933% | 2,961 |
| Net loans and leases to core deposits | 76.6569% | 3,698 |
| Total domestic deposits to total assets | 92.9568% | 129 |
| Equity capital to assets | 6.9975% | 6,911 |
| Core capital (leverage) ratio | 6.7956% | 6,866 |
| Tier 1 risk-based capital ratio | 10.8513% | 6,558 |
| Total risk-based capital ratio | 12.1152% | 6,536 |
| Memoranda: | ||
| Average total assets | $47,229,000 | 6,403 |
| Average earning assets | $44,023,670 | 6,348 |
| Average equity | $3,700,670 | 6,759 |
| Average total loans | $34,963,330 | 5,833 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1242% | 1,515 |
| Cost of funding earning assets | 1.3125% | 605 |
| Net interest margin | 3.8117% | 3,339 |
| Noninterest income to average assets | 0.1336% | 6,582 |
| Noninterest expense to average assets | 4.3174% | 646 |
| Loan and lease loss provision to assets | 1.7119% | 190 |
| Net operating income to assets | -2.3549% | 7,178 |
| Return on assets (ROA) | -2.3549% | 7,183 |
| Pretax return on assets | -2.3549% | 7,166 |
| Return on Equity (ROE) | -28.5895% | 7,160 |
| Retained earnings to average equity (ytd only) | -28.5895% | 7,122 |
| Net charge-offs to loans | 2.2530% | 392 |
| Credit loss provision to net charge-offs | 101.4851% | 2,265 |
| Earnings coverage of net charge-offs (x) | -0.3812% | 4,482 |
| Efficiency ratio | 117.5000% | 249 |
| Assets per employee ($millions) | 3.6602% | 4,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 2,355 |
| Loan loss allowance to noncurrent loans | 230.7692% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 2.5808% | 2,293 |
| Noncurrent loans to loans | 0.8663% | 4,936 |
| Net loans and leases to total assets | 74.1793% | 1,033 |
| Net loans and leases to deposits | 80.6729% | 2,108 |
| Net loans and leases to core deposits | 81.1496% | 2,934 |
| Total domestic deposits to total assets | 91.9507% | 268 |
| Equity capital to assets | 7.9967% | 6,527 |
| Core capital (leverage) ratio | 8.1446% | 6,101 |
| Tier 1 risk-based capital ratio | 11.6095% | 6,215 |
| Total risk-based capital ratio | 12.8696% | 6,186 |
| Memoranda: | ||
| Average total assets | $47,899,500 | 6,437 |
| Average earning assets | $44,494,500 | 6,385 |
| Average equity | $3,945,500 | 6,735 |
| Average total loans | $35,862,500 | 5,832 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4763% | 1,219 |
| Cost of funding earning assets | 1.4575% | 842 |
| Net interest margin | 4.0188% | 2,794 |
| Noninterest income to average assets | 0.1333% | 6,489 |
| Noninterest expense to average assets | 4.2344% | 776 |
| Loan and lease loss provision to assets | 0.7976% | 1,240 |
| Net operating income to assets | -1.2742% | 6,845 |
| Return on assets (ROA) | -1.1510% | 6,826 |
| Pretax return on assets | -1.1510% | 6,793 |
| Return on Equity (ROE) | -12.6926% | 6,819 |
| Retained earnings to average equity (ytd only) | -12.6926% | 6,791 |
| Net charge-offs to loans | 1.1670% | 1,453 |
| Credit loss provision to net charge-offs | 92.7230% | 3,889 |
| Earnings coverage of net charge-offs (x) | -0.5540% | 6,096 |
| Efficiency ratio | 112.6814% | 385 |
| Assets per employee ($millions) | 3.7090% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 2,249 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 3.2520% | 1,833 |
| Noncurrent loans to loans | 1.3386% | 4,138 |
| Net loans and leases to total assets | 72.5719% | 1,543 |
| Net loans and leases to deposits | 79.3343% | 2,636 |
| Net loans and leases to core deposits | 79.7975% | 3,468 |
| Total domestic deposits to total assets | 91.4760% | 339 |
| Equity capital to assets | 8.4742% | 6,172 |
| Core capital (leverage) ratio | 8.6213% | 5,360 |
| Tier 1 risk-based capital ratio | 12.6142% | 5,358 |
| Total risk-based capital ratio | 13.8735% | 5,339 |
| Memoranda: | ||
| Average total assets | $49,522,800 | 6,383 |
| Average earning assets | $44,665,200 | 6,368 |
| Average equity | $4,490,800 | 6,599 |
| Average total loans | $36,502,600 | 5,846 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6461% | 945 |
| Cost of funding earning assets | 1.4877% | 908 |
| Net interest margin | 4.1584% | 2,247 |
| Noninterest income to average assets | 0.1364% | 6,571 |
| Noninterest expense to average assets | 4.1564% | 832 |
| Loan and lease loss provision to assets | 0.2006% | 4,015 |
| Net operating income to assets | -0.4975% | 6,635 |
| Return on assets (ROA) | -0.3343% | 6,585 |
| Pretax return on assets | -0.3343% | 6,522 |
| Return on Equity (ROE) | -3.6294% | 6,603 |
| Retained earnings to average equity (ytd only) | -3.6294% | 6,481 |
| Net charge-offs to loans | 0.3669% | 3,257 |
| Credit loss provision to net charge-offs | 74.2574% | 4,347 |
| Earnings coverage of net charge-offs (x) | -1.0991% | 5,943 |
| Efficiency ratio | 107.6923% | 470 |
| Assets per employee ($millions) | 3.6546% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0021% | 2,332 |
| Loan loss allowance to noncurrent loans | 667.5926% | 521 |
| Noncurrent assets plus other real estate owned to assets | 2.5553% | 2,517 |
| Noncurrent loans to loans | 0.2999% | 6,248 |
| Net loans and leases to total assets | 74.2833% | 1,284 |
| Net loans and leases to deposits | 82.2063% | 2,321 |
| Net loans and leases to core deposits | 82.6956% | 3,229 |
| Total domestic deposits to total assets | 90.3620% | 691 |
| Equity capital to assets | 9.5411% | 5,018 |
| Core capital (leverage) ratio | 9.3981% | 4,306 |
| Tier 1 risk-based capital ratio | 13.7405% | 4,547 |
| Total risk-based capital ratio | 15.0015% | 4,497 |
| Memoranda: | ||
| Average total assets | $49,849,250 | 6,424 |
| Average earning assets | $44,631,500 | 6,431 |
| Average equity | $4,592,000 | 6,616 |
| Average total loans | $36,701,000 | 5,887 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7068% | 861 |
| Cost of funding earning assets | 1.5114% | 969 |
| Net interest margin | 4.1954% | 2,054 |
| Noninterest income to average assets | 0.1462% | 6,594 |
| Noninterest expense to average assets | 4.2979% | 749 |
| Loan and lease loss provision to assets | 0.1383% | 4,574 |
| Net operating income to assets | -0.5728% | 6,745 |
| Return on assets (ROA) | -0.5530% | 6,753 |
| Pretax return on assets | -0.5530% | 6,691 |
| Return on Equity (ROE) | -6.0716% | 6,782 |
| Retained earnings to average equity (ytd only) | -6.0716% | 6,659 |
| Net charge-offs to loans | 0.3683% | 3,077 |
| Credit loss provision to net charge-offs | 51.4706% | 4,548 |
| Earnings coverage of net charge-offs (x) | -1.6176% | 5,692 |
| Efficiency ratio | 111.2474% | 458 |
| Assets per employee ($millions) | 3.8248% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9300% | 2,575 |
| Loan loss allowance to noncurrent loans | 496.5278% | 670 |
| Noncurrent assets plus other real estate owned to assets | 2.5139% | 2,650 |
| Noncurrent loans to loans | 0.3887% | 6,124 |
| Net loans and leases to total assets | 73.0668% | 1,582 |
| Net loans and leases to deposits | 80.5905% | 2,686 |
| Net loans and leases to core deposits | 81.0435% | 3,647 |
| Total domestic deposits to total assets | 90.6643% | 652 |
| Equity capital to assets | 9.2110% | 5,263 |
| Core capital (leverage) ratio | 8.9868% | 4,748 |
| Tier 1 risk-based capital ratio | 11.3185% | 6,306 |
| Total risk-based capital ratio | 12.5761% | 6,291 |
| Memoranda: | ||
| Average total assets | $50,629,000 | 6,464 |
| Average earning assets | $44,859,000 | 6,478 |
| Average equity | $4,611,670 | 6,649 |
| Average total loans | $36,930,330 | 5,937 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9387% | 546 |
| Cost of funding earning assets | 1.5457% | 992 |
| Net interest margin | 4.3930% | 1,297 |
| Noninterest income to average assets | 0.1566% | 6,602 |
| Noninterest expense to average assets | 4.1345% | 882 |
| Loan and lease loss provision to assets | 0.2741% | 2,958 |
| Net operating income to assets | -0.4463% | 6,772 |
| Return on assets (ROA) | -0.4463% | 6,782 |
| Pretax return on assets | -0.4463% | 6,726 |
| Return on Equity (ROE) | -4.9271% | 6,804 |
| Retained earnings to average equity (ytd only) | -4.9271% | 6,510 |
| Net charge-offs to loans | 0.7702% | 1,673 |
| Credit loss provision to net charge-offs | 49.2958% | 3,770 |
| Earnings coverage of net charge-offs (x) | -0.3099% | 4,733 |
| Efficiency ratio | 104.3478% | 616 |
| Assets per employee ($millions) | 3.9031% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9770% | 2,474 |
| Loan loss allowance to noncurrent loans | 288.2591% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 2.6665% | 2,572 |
| Noncurrent loans to loans | 0.6858% | 5,651 |
| Net loans and leases to total assets | 69.5743% | 2,206 |
| Net loans and leases to deposits | 76.9677% | 3,260 |
| Net loans and leases to core deposits | 77.3895% | 4,103 |
| Total domestic deposits to total assets | 90.3942% | 902 |
| Equity capital to assets | 9.0579% | 5,119 |
| Core capital (leverage) ratio | 8.9315% | 4,725 |
| Tier 1 risk-based capital ratio | 11.6689% | 5,962 |
| Total risk-based capital ratio | 12.9246% | 5,952 |
| Memoranda: | ||
| Average total assets | $51,082,000 | 6,495 |
| Average earning assets | $44,252,000 | 6,553 |
| Average equity | $4,627,500 | 6,677 |
| Average total loans | $36,872,500 | 5,996 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6549% | 1,729 |
| Cost of funding earning assets | 1.7593% | 1,343 |
| Net interest margin | 3.8956% | 3,509 |
| Noninterest income to average assets | 0.1599% | 6,574 |
| Noninterest expense to average assets | 4.1744% | 925 |
| Loan and lease loss provision to assets | 0.6189% | 2,658 |
| Net operating income to assets | -1.0384% | 6,706 |
| Return on assets (ROA) | -0.9368% | 6,679 |
| Pretax return on assets | -0.9368% | 6,593 |
| Return on Equity (ROE) | -10.7171% | 6,757 |
| Retained earnings to average equity (ytd only) | -10.7171% | 6,698 |
| Net charge-offs to loans | 0.7319% | 2,827 |
| Credit loss provision to net charge-offs | 121.4022% | 3,465 |
| Earnings coverage of net charge-offs (x) | -0.8229% | 6,557 |
| Efficiency ratio | 111.1723% | 516 |
| Assets per employee ($millions) | 4.2853% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9825% | 2,348 |
| Loan loss allowance to noncurrent loans | 220.6490% | 1,375 |
| Noncurrent assets plus other real estate owned to assets | 2.5163% | 2,756 |
| Noncurrent loans to loans | 0.8985% | 5,263 |
| Net loans and leases to total assets | 71.9178% | 2,118 |
| Net loans and leases to deposits | 81.8896% | 2,829 |
| Net loans and leases to core deposits | 82.3656% | 3,850 |
| Total domestic deposits to total assets | 87.8228% | 2,356 |
| Equity capital to assets | 9.0600% | 5,059 |
| Core capital (leverage) ratio | 8.9006% | 4,699 |
| Tier 1 risk-based capital ratio | 11.3594% | 6,027 |
| Total risk-based capital ratio | 12.6188% | 6,015 |
| Memoranda: | ||
| Average total assets | $53,157,400 | 6,426 |
| Average earning assets | $49,054,800 | 6,403 |
| Average equity | $4,646,800 | 6,773 |
| Average total loans | $37,025,800 | 6,066 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6270% | 1,958 |
| Cost of funding earning assets | 1.7848% | 1,484 |
| Net interest margin | 3.8422% | 3,786 |
| Noninterest income to average assets | 0.1567% | 6,745 |
| Noninterest expense to average assets | 4.0877% | 945 |
| Loan and lease loss provision to assets | 0.3583% | 3,746 |
| Net operating income to assets | -0.7115% | 6,735 |
| Return on assets (ROA) | -0.5772% | 6,698 |
| Pretax return on assets | -0.5772% | 6,601 |
| Return on Equity (ROE) | -6.6612% | 6,769 |
| Retained earnings to average equity (ytd only) | -6.6612% | 6,688 |
| Net charge-offs to loans | 0.2316% | 4,546 |
| Credit loss provision to net charge-offs | 225.0000% | 1,531 |
| Earnings coverage of net charge-offs (x) | -2.2188% | 6,541 |
| Efficiency ratio | 109.4604% | 537 |
| Assets per employee ($millions) | 3.7384% | 4,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0041% | 2,207 |
| Loan loss allowance to noncurrent loans | 80.7975% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 2.9750% | 2,443 |
| Noncurrent loans to loans | 2.4803% | 3,136 |
| Net loans and leases to total assets | 71.9415% | 2,262 |
| Net loans and leases to deposits | 82.5213% | 3,007 |
| Net loans and leases to core deposits | 82.9924% | 4,089 |
| Total domestic deposits to total assets | 87.1792% | 2,429 |
| Equity capital to assets | 9.3433% | 5,062 |
| Core capital (leverage) ratio | 8.9548% | 4,756 |
| Tier 1 risk-based capital ratio | 11.5225% | 5,913 |
| Total risk-based capital ratio | 12.7789% | 5,892 |
| Memoranda: | ||
| Average total assets | $53,590,750 | 6,489 |
| Average earning assets | $49,900,750 | 6,440 |
| Average equity | $4,643,750 | 6,861 |
| Average total loans | $36,849,500 | 6,156 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5089% | 2,473 |
| Cost of funding earning assets | 1.8071% | 1,615 |
| Net interest margin | 3.7018% | 4,359 |
| Noninterest income to average assets | 0.1481% | 6,836 |
| Noninterest expense to average assets | 4.0956% | 926 |
| Loan and lease loss provision to assets | 0.4851% | 2,874 |
| Net operating income to assets | -0.9887% | 6,938 |
| Return on assets (ROA) | -0.9554% | 6,944 |
| Pretax return on assets | -0.9554% | 6,867 |
| Return on Equity (ROE) | -11.3116% | 7,014 |
| Retained earnings to average equity (ytd only) | -11.3116% | 6,968 |
| Net charge-offs to loans | 0.2257% | 4,245 |
| Credit loss provision to net charge-offs | 319.5122% | 1,145 |
| Earnings coverage of net charge-offs (x) | -3.3171% | 6,267 |
| Efficiency ratio | 114.0206% | 492 |
| Assets per employee ($millions) | 3.5519% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 2,182 |
| Loan loss allowance to noncurrent loans | 81.1655% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 2.9392% | 2,444 |
| Noncurrent loans to loans | 2.4637% | 3,182 |
| Net loans and leases to total assets | 71.7487% | 2,471 |
| Net loans and leases to deposits | 83.1673% | 3,041 |
| Net loans and leases to core deposits | 83.6349% | 4,181 |
| Total domestic deposits to total assets | 86.2704% | 2,939 |
| Equity capital to assets | 9.4671% | 4,753 |
| Core capital (leverage) ratio | 8.9516% | 4,680 |
| Tier 1 risk-based capital ratio | 11.5972% | 5,675 |
| Total risk-based capital ratio | 12.8542% | 5,631 |
| Memoranda: | ||
| Average total assets | $54,008,670 | 6,517 |
| Average earning assets | $50,246,000 | 6,470 |
| Average equity | $4,561,670 | 6,915 |
| Average total loans | $36,325,330 | 6,230 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2962% | 3,570 |
| Cost of funding earning assets | 1.8632% | 1,596 |
| Net interest margin | 3.4330% | 5,455 |
| Noninterest income to average assets | 0.1545% | 6,861 |
| Noninterest expense to average assets | 3.8548% | 1,237 |
| Loan and lease loss provision to assets | 0.1103% | 5,521 |
| Net operating income to assets | -0.6253% | 6,918 |
| Return on assets (ROA) | -0.6179% | 6,941 |
| Pretax return on assets | -0.6179% | 6,853 |
| Return on Equity (ROE) | -7.7769% | 7,042 |
| Retained earnings to average equity (ytd only) | -7.7769% | 6,810 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4185% | 505 |
| Assets per employee ($millions) | 3.6341% | 4,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 2,220 |
| Loan loss allowance to noncurrent loans | 73.1328% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 2.8067% | 2,591 |
| Noncurrent loans to loans | 2.7191% | 2,939 |
| Net loans and leases to total assets | 63.7438% | 4,386 |
| Net loans and leases to deposits | 71.9897% | 5,050 |
| Net loans and leases to core deposits | 72.3721% | 5,669 |
| Total domestic deposits to total assets | 88.5456% | 1,765 |
| Equity capital to assets | 8.3358% | 6,250 |
| Core capital (leverage) ratio | 8.3472% | 5,646 |
| Tier 1 risk-based capital ratio | 11.4995% | 5,674 |
| Total risk-based capital ratio | 12.7564% | 5,647 |
| Memoranda: | ||
| Average total assets | $54,373,500 | 6,594 |
| Average earning assets | $50,451,500 | 6,531 |
| Average equity | $4,320,500 | 7,061 |
| Average total loans | $34,984,500 | 6,369 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3010% | 5,167 |
| Cost of funding earning assets | 2.9144% | 297 |
| Net interest margin | 2.3866% | 7,521 |
| Noninterest income to average assets | 0.1254% | 7,121 |
| Noninterest expense to average assets | 3.8546% | 1,584 |
| Loan and lease loss provision to assets | 0.8598% | 2,588 |
| Net operating income to assets | -2.3484% | 7,213 |
| Return on assets (ROA) | -1.9586% | 7,076 |
| Pretax return on assets | -1.9586% | 6,930 |
| Return on Equity (ROE) | -20.9503% | 7,169 |
| Retained earnings to average equity (ytd only) | -20.9503% | 7,141 |
| Net charge-offs to loans | 0.0162% | 6,995 |
| Credit loss provision to net charge-offs | 8,780.0000% | 39 |
| Earnings coverage of net charge-offs (x) | -152.0000% | 7,230 |
| Efficiency ratio | 162.9139% | 241 |
| Assets per employee ($millions) | 3.6157% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9991% | 2,030 |
| Loan loss allowance to noncurrent loans | 70.1220% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 2.8579% | 2,457 |
| Noncurrent loans to loans | 2.8509% | 2,702 |
| Net loans and leases to total assets | 62.3693% | 4,916 |
| Net loans and leases to deposits | 69.1795% | 5,701 |
| Net loans and leases to core deposits | 80.5822% | 6,029 |
| Total domestic deposits to total assets | 90.1558% | 893 |
| Equity capital to assets | 7.5542% | 6,983 |
| Core capital (leverage) ratio | 7.5875% | 6,698 |
| Tier 1 risk-based capital ratio | 10.7194% | 6,188 |
| Total risk-based capital ratio | 11.9746% | 6,159 |
| Memoranda: | ||
| Average total assets | $51,056,400 | 6,665 |
| Average earning assets | $47,934,600 | 6,601 |
| Average equity | $4,773,200 | 7,033 |
| Average total loans | $30,925,000 | 6,581 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3010% | 5,418 |
| Cost of funding earning assets | 3.1547% | 212 |
| Net interest margin | 2.1463% | 7,735 |
| Noninterest income to average assets | 0.1167% | 7,307 |
| Noninterest expense to average assets | 3.8252% | 1,548 |
| Loan and lease loss provision to assets | 0.2865% | 4,682 |
| Net operating income to assets | -1.9736% | 7,304 |
| Return on assets (ROA) | -1.6686% | 7,181 |
| Pretax return on assets | -1.6686% | 7,035 |
| Return on Equity (ROE) | -16.9690% | 7,269 |
| Retained earnings to average equity (ytd only) | -16.9690% | 7,229 |
| Net charge-offs to loans | 0.0222% | 6,584 |
| Credit loss provision to net charge-offs | 2,160.0000% | 185 |
| Earnings coverage of net charge-offs (x) | -127.1334% | 6,977 |
| Efficiency ratio | 178.9082% | 205 |
| Assets per employee ($millions) | 3.8282% | 4,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0975% | 5,742 |
| Loan loss allowance to noncurrent loans | 33.3024% | 6,211 |
| Noncurrent assets plus other real estate owned to assets | 2.4346% | 2,828 |
| Noncurrent loans to loans | 3.2954% | 2,291 |
| Net loans and leases to total assets | 56.3415% | 6,104 |
| Net loans and leases to deposits | 61.7271% | 6,705 |
| Net loans and leases to core deposits | 72.0092% | 6,850 |
| Total domestic deposits to total assets | 91.2753% | 312 |
| Equity capital to assets | 8.1431% | 6,699 |
| Core capital (leverage) ratio | 8.0620% | 6,248 |
| Tier 1 risk-based capital ratio | 11.7801% | 5,167 |
| Total risk-based capital ratio | 12.6982% | 5,426 |
| Memoranda: | ||
| Average total assets | $50,261,750 | 6,746 |
| Average earning assets | $47,335,500 | 6,675 |
| Average equity | $4,942,250 | 7,024 |
| Average total loans | $30,027,250 | 6,679 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4056% | 5,123 |
| Cost of funding earning assets | 3.4972% | 113 |
| Net interest margin | 1.9084% | 7,908 |
| Noninterest income to average assets | 0.1128% | 7,418 |
| Noninterest expense to average assets | 4.0146% | 1,295 |
| Loan and lease loss provision to assets | 0.3676% | 3,723 |
| Net operating income to assets | -2.4731% | 7,551 |
| Return on assets (ROA) | -2.5859% | 7,572 |
| Pretax return on assets | -2.5859% | 7,441 |
| Return on Equity (ROE) | -24.6074% | 7,620 |
| Retained earnings to average equity (ytd only) | -24.6074% | 7,586 |
| Net charge-offs to loans | 0.0343% | 5,981 |
| Credit loss provision to net charge-offs | 1,760.0000% | 298 |
| Earnings coverage of net charge-offs (x) | -100.8000% | 6,613 |
| Efficiency ratio | 210.2845% | 172 |
| Assets per employee ($millions) | 3.6189% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 5,744 |
| Loan loss allowance to noncurrent loans | 35.4232% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 1.7630% | 3,531 |
| Noncurrent loans to loans | 3.0435% | 2,364 |
| Net loans and leases to total assets | 57.3015% | 6,058 |
| Net loans and leases to deposits | 63.3439% | 6,627 |
| Net loans and leases to core deposits | 73.4093% | 6,822 |
| Total domestic deposits to total assets | 90.4611% | 643 |
| Equity capital to assets | 8.5496% | 5,975 |
| Core capital (leverage) ratio | 8.5624% | 5,330 |
| Tier 1 risk-based capital ratio | 12.4183% | 4,586 |
| Total risk-based capital ratio | 13.3301% | 4,770 |
| Memoranda: | ||
| Average total assets | $47,874,670 | 6,908 |
| Average earning assets | $45,064,670 | 6,835 |
| Average equity | $5,031,000 | 7,049 |
| Average total loans | $29,132,330 | 6,782 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3670% | 5,588 |
| Cost of funding earning assets | 3.4318% | 177 |
| Net interest margin | 1.9352% | 7,921 |
| Noninterest income to average assets | 0.1075% | 7,495 |
| Noninterest expense to average assets | 3.9041% | 1,305 |
| Loan and lease loss provision to assets | 0.4298% | 2,776 |
| Net operating income to assets | -2.4087% | 7,750 |
| Return on assets (ROA) | -2.4714% | 7,759 |
| Pretax return on assets | -2.4714% | 7,655 |
| Return on Equity (ROE) | -21.1251% | 7,780 |
| Retained earnings to average equity (ytd only) | -21.1251% | 7,680 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 202.7907% | 181 |
| Assets per employee ($millions) | 3.8967% | 3,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 6,179 |
| Loan loss allowance to noncurrent loans | 93.5385% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 5,567 |
| Noncurrent loans to loans | 1.0695% | 4,842 |
| Net loans and leases to total assets | 59.3876% | 5,758 |
| Net loans and leases to deposits | 67.0694% | 6,265 |
| Net loans and leases to core deposits | 80.3547% | 6,356 |
| Total domestic deposits to total assets | 88.5465% | 1,460 |
| Equity capital to assets | 10.1171% | 3,872 |
| Core capital (leverage) ratio | 10.9807% | 2,512 |
| Tier 1 risk-based capital ratio | 14.0212% | 3,574 |
| Total risk-based capital ratio | 14.8806% | 3,704 |
| Memoranda: | ||
| Average total assets | $44,670,500 | 7,074 |
| Average earning assets | $41,960,000 | 7,021 |
| Average equity | $5,226,000 | 7,045 |
| Average total loans | $27,976,500 | 6,885 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1433% | 4,810 |
| Cost of funding earning assets | 3.1804% | 1,252 |
| Net interest margin | 2.9628% | 7,004 |
| Noninterest income to average assets | 0.1436% | 7,385 |
| Noninterest expense to average assets | 6.0182% | 402 |
| Loan and lease loss provision to assets | 0.7217% | 2,046 |
| Net operating income to assets | -3.8492% | 7,964 |
| Return on assets (ROA) | -3.8492% | 7,944 |
| Pretax return on assets | -3.8492% | 7,865 |
| Return on Equity (ROE) | -17.2696% | 7,675 |
| Retained earnings to average equity (ytd only) | -17.2696% | 7,581 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 208.1879% | 188 |
| Assets per employee ($millions) | 3.5167% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0014% | 6,039 |
| Loan loss allowance to noncurrent loans | 82.3151% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 4,841 |
| Noncurrent loans to loans | 1.2165% | 4,080 |
| Net loans and leases to total assets | 65.4250% | 4,965 |
| Net loans and leases to deposits | 77.3526% | 5,425 |
| Net loans and leases to core deposits | 97.7219% | 5,069 |
| Total domestic deposits to total assets | 84.5802% | 3,038 |
| Equity capital to assets | 13.7706% | 1,507 |
| Core capital (leverage) ratio | 15.0919% | 1,008 |
| Tier 1 risk-based capital ratio | 18.0914% | 2,016 |
| Total risk-based capital ratio | 18.9759% | 2,049 |
| Memoranda: | ||
| Average total assets | $25,771,800 | 7,814 |
| Average earning assets | $23,896,000 | 7,787 |
| Average equity | $5,744,200 | 6,903 |
| Average total loans | $16,560,200 | 7,550 |