Home > OPTUS Bank > Performance and Condition Ratios
OPTUS Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5453% | 2,006 |
| Cost of funding earning assets | 2.7413% | 548 |
| Net interest margin | 2.8040% | 3,696 |
| Noninterest income to average assets | 0.1600% | 3,792 |
| Noninterest expense to average assets | 1.6973% | 4,039 |
| Loan and lease loss provision to assets | 0.1200% | 1,082 |
| Net operating income to assets | 0.8385% | 2,742 |
| Return on assets (ROA) | 0.8385% | 2,742 |
| Pretax return on assets | 1.1038% | 2,495 |
| Return on Equity (ROE) | 7.1300% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.1343% | 1,937 |
| Net charge-offs to loans | 0.0158% | 1,695 |
| Credit loss provision to net charge-offs | 1,226.6667% | 308 |
| Earnings coverage of net charge-offs (x) | 136.0667% | 568 |
| Efficiency ratio | 58.1333% | 3,160 |
| Assets per employee ($millions) | 14.9589% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5212% | 4,243 |
| Loan loss allowance to noncurrent loans | 72.7004% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.5235% | 1,417 |
| Noncurrent loans to loans | 0.7169% | 1,437 |
| Net loans and leases to total assets | 55.8100% | 3,212 |
| Net loans and leases to deposits | 63.9709% | 3,270 |
| Net loans and leases to core deposits | 154.6101% | 136 |
| Total domestic deposits to total assets | 87.2400% | 1,832 |
| Equity capital to assets | 11.8748% | 1,285 |
| Core capital (leverage) ratio | 12.2290% | 1,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8401% | 681 |
| Memoranda: | ||
| Average total assets | $667,869,000 | 1,416 |
| Average earning assets | $656,338,500 | 1,348 |
| Average equity | $78,494,000 | 1,255 |
| Average total loans | $380,774,000 | 1,615 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9522% | 1,353 |
| Cost of funding earning assets | 2.7596% | 763 |
| Net interest margin | 3.1926% | 2,738 |
| Noninterest income to average assets | 0.3900% | 2,507 |
| Noninterest expense to average assets | 1.7779% | 3,984 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.2339% | 1,428 |
| Return on assets (ROA) | 1.2353% | 1,435 |
| Pretax return on assets | 1.6131% | 1,100 |
| Return on Equity (ROE) | 9.7600% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.7616% | 626 |
| Net charge-offs to loans | 0.1358% | 961 |
| Credit loss provision to net charge-offs | 169.3305% | 1,281 |
| Earnings coverage of net charge-offs (x) | 22.2549% | 1,754 |
| Efficiency ratio | 50.3876% | 3,969 |
| Assets per employee ($millions) | 13.5222% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 4,297 |
| Loan loss allowance to noncurrent loans | 38.3532% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 934 |
| Noncurrent loans to loans | 1.2211% | 834 |
| Net loans and leases to total assets | 57.6700% | 3,135 |
| Net loans and leases to deposits | 70.1674% | 2,939 |
| Net loans and leases to core deposits | 180.5945% | 69 |
| Total domestic deposits to total assets | 82.1900% | 3,213 |
| Equity capital to assets | 11.6291% | 1,311 |
| Core capital (leverage) ratio | 12.4919% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0120% | 765 |
| Memoranda: | ||
| Average total assets | $588,607,000 | 1,556 |
| Average earning assets | $578,155,800 | 1,481 |
| Average equity | $74,486,000 | 1,271 |
| Average total loans | $341,006,200 | 1,716 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9634% | 1,302 |
| Cost of funding earning assets | 2.7262% | 803 |
| Net interest margin | 3.2372% | 2,600 |
| Noninterest income to average assets | 0.1200% | 4,140 |
| Noninterest expense to average assets | 1.7498% | 4,004 |
| Loan and lease loss provision to assets | 0.0800% | 1,521 |
| Net operating income to assets | 1.1233% | 1,699 |
| Return on assets (ROA) | 1.1233% | 1,703 |
| Pretax return on assets | 1.4703% | 1,361 |
| Return on Equity (ROE) | 8.6700% | 2,562 |
| Retained earnings to average equity (ytd only) | 8.6721% | 1,204 |
| Net charge-offs to loans | 0.1352% | 807 |
| Credit loss provision to net charge-offs | 91.9403% | 1,764 |
| Earnings coverage of net charge-offs (x) | 19.8418% | 1,755 |
| Efficiency ratio | 52.9549% | 3,807 |
| Assets per employee ($millions) | 12.5589% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4070% | 4,363 |
| Loan loss allowance to noncurrent loans | 111.1963% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 2,231 |
| Noncurrent loans to loans | 0.3661% | 2,176 |
| Net loans and leases to total assets | 57.6500% | 3,127 |
| Net loans and leases to deposits | 68.1784% | 3,103 |
| Net loans and leases to core deposits | 168.3059% | 100 |
| Total domestic deposits to total assets | 84.5600% | 2,427 |
| Equity capital to assets | 12.7624% | 1,032 |
| Core capital (leverage) ratio | 12.7205% | 1,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7947% | 703 |
| Memoranda: | ||
| Average total assets | $570,111,500 | 1,597 |
| Average earning assets | $560,025,250 | 1,520 |
| Average equity | $73,844,250 | 1,276 |
| Average total loans | $330,276,000 | 1,746 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8969% | 1,308 |
| Cost of funding earning assets | 2.5874% | 940 |
| Net interest margin | 3.3095% | 2,388 |
| Noninterest income to average assets | 0.1400% | 4,045 |
| Noninterest expense to average assets | 1.7740% | 3,973 |
| Loan and lease loss provision to assets | 0.0400% | 2,101 |
| Net operating income to assets | 1.2039% | 1,461 |
| Return on assets (ROA) | 1.2039% | 1,462 |
| Pretax return on assets | 1.5715% | 1,162 |
| Return on Equity (ROE) | 9.2400% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.2446% | 1,044 |
| Net charge-offs to loans | 0.0951% | 892 |
| Credit loss provision to net charge-offs | 61.4379% | 1,759 |
| Earnings coverage of net charge-offs (x) | 29.2222% | 1,406 |
| Efficiency ratio | 52.4058% | 3,870 |
| Assets per employee ($millions) | 12.8628% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4047% | 4,382 |
| Loan loss allowance to noncurrent loans | 100.2120% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.2819% | 2,036 |
| Noncurrent loans to loans | 0.4039% | 1,980 |
| Net loans and leases to total assets | 58.9700% | 3,053 |
| Net loans and leases to deposits | 75.4022% | 2,594 |
| Net loans and leases to core deposits | 155.5709% | 157 |
| Total domestic deposits to total assets | 78.2100% | 3,682 |
| Equity capital to assets | 12.5369% | 1,001 |
| Core capital (leverage) ratio | 13.2207% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3485% | 1,025 |
| Memoranda: | ||
| Average total assets | $555,020,667 | 1,632 |
| Average earning assets | $545,032,000 | 1,548 |
| Average equity | $72,279,667 | 1,282 |
| Average total loans | $321,627,333 | 1,775 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7990% | 1,311 |
| Cost of funding earning assets | 2.4862% | 1,014 |
| Net interest margin | 3.3129% | 2,314 |
| Noninterest income to average assets | 0.1600% | 3,893 |
| Noninterest expense to average assets | 1.8029% | 3,948 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 1.1962% | 1,451 |
| Return on assets (ROA) | 1.1962% | 1,454 |
| Pretax return on assets | 1.5547% | 1,168 |
| Return on Equity (ROE) | 9.0000% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.0004% | 1,316 |
| Net charge-offs to loans | 0.1159% | 663 |
| Credit loss provision to net charge-offs | 78.6517% | 1,290 |
| Earnings coverage of net charge-offs (x) | 24.2921% | 1,255 |
| Efficiency ratio | 52.8051% | 3,841 |
| Assets per employee ($millions) | 12.4646% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4639% | 4,339 |
| Loan loss allowance to noncurrent loans | 99.2512% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 2,026 |
| Noncurrent loans to loans | 0.4674% | 1,759 |
| Net loans and leases to total assets | 57.0400% | 3,118 |
| Net loans and leases to deposits | 67.8396% | 3,051 |
| Net loans and leases to core deposits | 143.5058% | 247 |
| Total domestic deposits to total assets | 84.0800% | 2,691 |
| Equity capital to assets | 13.0720% | 843 |
| Core capital (leverage) ratio | 13.9246% | 799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6743% | 836 |
| Memoranda: | ||
| Average total assets | $536,687,500 | 1,693 |
| Average earning assets | $527,883,500 | 1,600 |
| Average equity | $71,330,000 | 1,288 |
| Average total loans | $307,260,000 | 1,816 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 1,439 |
| Cost of funding earning assets | 1.6882% | 1,474 |
| Net interest margin | 3.6399% | 1,879 |
| Noninterest income to average assets | 0.4100% | 2,454 |
| Noninterest expense to average assets | 1.8880% | 3,854 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.4987% | 1,022 |
| Return on assets (ROA) | 1.4987% | 993 |
| Pretax return on assets | 1.9355% | 738 |
| Return on Equity (ROE) | 10.1700% | 2,449 |
| Retained earnings to average equity (ytd only) | 10.1730% | 971 |
| Net charge-offs to loans | 0.1898% | 564 |
| Credit loss provision to net charge-offs | 151.6393% | 1,463 |
| Earnings coverage of net charge-offs (x) | 19.5246% | 1,898 |
| Efficiency ratio | 47.2659% | 4,131 |
| Assets per employee ($millions) | 11.4116% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4919% | 4,340 |
| Loan loss allowance to noncurrent loans | 40.5435% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6940% | 752 |
| Noncurrent loans to loans | 1.2134% | 587 |
| Net loans and leases to total assets | 56.9100% | 3,127 |
| Net loans and leases to deposits | 68.1086% | 3,024 |
| Net loans and leases to core deposits | 136.7240% | 304 |
| Total domestic deposits to total assets | 83.5600% | 2,741 |
| Equity capital to assets | 13.5194% | 764 |
| Core capital (leverage) ratio | 14.3576% | 731 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9627% | 543 |
| Memoranda: | ||
| Average total assets | $452,333,400 | 1,852 |
| Average earning assets | $445,316,800 | 1,763 |
| Average equity | $66,637,000 | 1,297 |
| Average total loans | $257,112,000 | 1,968 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 1,692 |
| Cost of funding earning assets | 1.4415% | 1,763 |
| Net interest margin | 3.6294% | 1,926 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 1.8735% | 3,846 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.5219% | 1,081 |
| Return on assets (ROA) | 1.5219% | 1,069 |
| Pretax return on assets | 1.9807% | 768 |
| Return on Equity (ROE) | 10.0800% | 2,612 |
| Retained earnings to average equity (ytd only) | 10.0799% | 1,377 |
| Net charge-offs to loans | 0.2003% | 440 |
| Credit loss provision to net charge-offs | 156.7568% | 1,292 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,847 |
| Efficiency ratio | 46.4626% | 4,110 |
| Assets per employee ($millions) | 10.9993% | 501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5370% | 4,327 |
| Loan loss allowance to noncurrent loans | 36.7050% | 3,726 |
| Noncurrent assets plus other real estate owned to assets | 0.8277% | 669 |
| Noncurrent loans to loans | 1.4631% | 503 |
| Net loans and leases to total assets | 56.2700% | 3,180 |
| Net loans and leases to deposits | 66.2804% | 3,107 |
| Net loans and leases to core deposits | 126.7086% | 401 |
| Total domestic deposits to total assets | 84.9000% | 2,528 |
| Equity capital to assets | 14.2521% | 610 |
| Core capital (leverage) ratio | 15.4546% | 561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3448% | 412 |
| Memoranda: | ||
| Average total assets | $434,183,250 | 1,906 |
| Average earning assets | $427,499,750 | 1,814 |
| Average equity | $65,554,250 | 1,300 |
| Average total loans | $246,330,500 | 2,022 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7996% | 1,995 |
| Cost of funding earning assets | 1.2081% | 1,964 |
| Net interest margin | 3.5915% | 2,057 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.8754% | 3,869 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.5041% | 1,095 |
| Return on assets (ROA) | 1.5041% | 1,096 |
| Pretax return on assets | 1.9570% | 794 |
| Return on Equity (ROE) | 9.7600% | 2,774 |
| Retained earnings to average equity (ytd only) | 9.7572% | 1,475 |
| Net charge-offs to loans | 0.1923% | 415 |
| Credit loss provision to net charge-offs | 78.2609% | 1,559 |
| Earnings coverage of net charge-offs (x) | 18.7043% | 1,755 |
| Efficiency ratio | 47.8672% | 4,074 |
| Assets per employee ($millions) | 10.4693% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 4,384 |
| Loan loss allowance to noncurrent loans | 62.1564% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 0.4303% | 1,241 |
| Noncurrent loans to loans | 0.7841% | 967 |
| Net loans and leases to total assets | 54.6100% | 3,224 |
| Net loans and leases to deposits | 65.0708% | 3,121 |
| Net loans and leases to core deposits | 82.1478% | 2,323 |
| Total domestic deposits to total assets | 83.9200% | 2,838 |
| Equity capital to assets | 15.1006% | 514 |
| Core capital (leverage) ratio | 16.5577% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.1570% | 347 |
| Memoranda: | ||
| Average total assets | $421,254,333 | 1,947 |
| Average earning assets | $414,868,667 | 1,861 |
| Average equity | $64,936,333 | 1,306 |
| Average total loans | $239,246,667 | 2,057 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5559% | 2,176 |
| Cost of funding earning assets | 1.0187% | 1,986 |
| Net interest margin | 3.5372% | 2,268 |
| Noninterest income to average assets | 0.3500% | 2,725 |
| Noninterest expense to average assets | 1.7494% | 4,115 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.5960% | 985 |
| Return on assets (ROA) | 1.5960% | 983 |
| Pretax return on assets | 1.9940% | 788 |
| Return on Equity (ROE) | 10.2400% | 2,714 |
| Retained earnings to average equity (ytd only) | 10.2422% | 1,640 |
| Net charge-offs to loans | 0.1948% | 373 |
| Credit loss provision to net charge-offs | 77.5862% | 1,220 |
| Earnings coverage of net charge-offs (x) | 18.4828% | 1,486 |
| Efficiency ratio | 45.6665% | 4,237 |
| Assets per employee ($millions) | 8.9091% | 970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4857% | 4,445 |
| Loan loss allowance to noncurrent loans | 49.6689% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5770% | 891 |
| Noncurrent loans to loans | 0.9779% | 756 |
| Net loans and leases to total assets | 58.7100% | 2,800 |
| Net loans and leases to deposits | 72.2800% | 2,448 |
| Net loans and leases to core deposits | 91.3352% | 1,540 |
| Total domestic deposits to total assets | 81.2300% | 3,600 |
| Equity capital to assets | 15.5062% | 438 |
| Core capital (leverage) ratio | 16.7746% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.5845% | 407 |
| Memoranda: | ||
| Average total assets | $412,026,000 | 1,998 |
| Average earning assets | $405,628,000 | 1,916 |
| Average equity | $64,205,000 | 1,328 |
| Average total loans | $238,220,500 | 2,079 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 3,156 |
| Cost of funding earning assets | 0.5309% | 1,211 |
| Net interest margin | 2.9374% | 3,597 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 1.8186% | 3,996 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.9333% | 2,832 |
| Return on assets (ROA) | 0.9333% | 2,778 |
| Pretax return on assets | 1.1991% | 2,440 |
| Return on Equity (ROE) | 6.7900% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.7868% | 2,329 |
| Net charge-offs to loans | 0.0344% | 1,391 |
| Credit loss provision to net charge-offs | 995.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 82.4333% | 1,075 |
| Efficiency ratio | 57.1478% | 3,451 |
| Assets per employee ($millions) | 9.4261% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5345% | 4,407 |
| Loan loss allowance to noncurrent loans | 66.6304% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4540% | 1,119 |
| Noncurrent loans to loans | 0.8021% | 927 |
| Net loans and leases to total assets | 56.2900% | 2,998 |
| Net loans and leases to deposits | 69.3342% | 2,637 |
| Net loans and leases to core deposits | 86.4125% | 1,719 |
| Total domestic deposits to total assets | 81.1900% | 3,731 |
| Equity capital to assets | 15.6618% | 414 |
| Core capital (leverage) ratio | 17.0185% | 388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3210% | 321 |
| Memoranda: | ||
| Average total assets | $362,700,800 | 2,168 |
| Average earning assets | $355,278,200 | 2,090 |
| Average equity | $49,876,400 | 1,626 |
| Average total loans | $174,243,000 | 2,417 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8376% | 4,149 |
| Cost of funding earning assets | 0.4873% | 805 |
| Net interest margin | 2.3503% | 4,371 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.7543% | 4,070 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.4984% | 4,075 |
| Return on assets (ROA) | 0.4984% | 4,023 |
| Pretax return on assets | 0.6329% | 3,929 |
| Return on Equity (ROE) | 3.7800% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.7754% | 3,523 |
| Net charge-offs to loans | -0.0075% | 3,602 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 69.7380% | 1,792 |
| Assets per employee ($millions) | 8.1052% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 4,444 |
| Loan loss allowance to noncurrent loans | 34.2810% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.8463% | 585 |
| Noncurrent loans to loans | 1.5707% | 438 |
| Net loans and leases to total assets | 50.2800% | 3,434 |
| Net loans and leases to deposits | 60.3557% | 3,166 |
| Net loans and leases to core deposits | 82.6514% | 1,726 |
| Total domestic deposits to total assets | 83.3100% | 3,647 |
| Equity capital to assets | 15.9950% | 372 |
| Core capital (leverage) ratio | 16.0022% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6486% | 252 |
| Memoranda: | ||
| Average total assets | $352,045,000 | 2,232 |
| Average earning assets | $344,231,000 | 2,150 |
| Average equity | $46,475,250 | 1,736 |
| Average total loans | $160,455,500 | 2,544 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4811% | 4,392 |
| Cost of funding earning assets | 0.3934% | 959 |
| Net interest margin | 2.0877% | 4,517 |
| Noninterest income to average assets | 0.2617% | 3,604 |
| Noninterest expense to average assets | 1.6080% | 4,297 |
| Loan and lease loss provision to assets | 0.0876% | 1,124 |
| Net operating income to assets | 0.4708% | 3,966 |
| Return on assets (ROA) | 0.4708% | 3,917 |
| Pretax return on assets | 0.6028% | 3,812 |
| Return on Equity (ROE) | 3.8698% | 4,057 |
| Retained earnings to average equity (ytd only) | 3.8698% | 3,132 |
| Net charge-offs to loans | -0.0374% | 4,125 |
| Credit loss provision to net charge-offs | -535.7143% | 3,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9619% | 1,964 |
| Assets per employee ($millions) | 8.6782% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5280% | 4,523 |
| Loan loss allowance to noncurrent loans | 23.7939% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.0341% | 443 |
| Noncurrent loans to loans | 2.2189% | 284 |
| Net loans and leases to total assets | 43.8245% | 3,845 |
| Net loans and leases to deposits | 52.6799% | 3,633 |
| Net loans and leases to core deposits | 60.8288% | 3,208 |
| Total domestic deposits to total assets | 83.1902% | 3,843 |
| Equity capital to assets | 16.3768% | 309 |
| Core capital (leverage) ratio | 17.9123% | 280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $342,412,000 | 2,282 |
| Average earning assets | $334,050,000 | 2,209 |
| Average equity | $41,656,333 | 1,935 |
| Average total loans | $149,744,333 | 2,645 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5721% | 4,172 |
| Cost of funding earning assets | 0.3885% | 930 |
| Net interest margin | 2.1836% | 4,367 |
| Noninterest income to average assets | 0.2177% | 3,853 |
| Noninterest expense to average assets | 1.5387% | 4,374 |
| Loan and lease loss provision to assets | 0.1223% | 679 |
| Net operating income to assets | 0.5492% | 3,560 |
| Return on assets (ROA) | 0.5492% | 3,536 |
| Pretax return on assets | 0.6739% | 3,465 |
| Return on Equity (ROE) | 5.6251% | 3,446 |
| Retained earnings to average equity (ytd only) | 5.6251% | 2,374 |
| Net charge-offs to loans | -0.0393% | 4,180 |
| Credit loss provision to net charge-offs | -714.2857% | 3,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8984% | 2,781 |
| Assets per employee ($millions) | 10.2611% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5296% | 4,559 |
| Loan loss allowance to noncurrent loans | 37.9669% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.6869% | 830 |
| Noncurrent loans to loans | 1.3948% | 613 |
| Net loans and leases to total assets | 44.5441% | 3,700 |
| Net loans and leases to deposits | 49.4340% | 3,780 |
| Net loans and leases to core deposits | 70.6094% | 2,241 |
| Total domestic deposits to total assets | 90.1082% | 1,498 |
| Equity capital to assets | 9.3788% | 2,385 |
| Core capital (leverage) ratio | 9.7837% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $327,036,500 | 2,361 |
| Average earning assets | $317,095,000 | 2,301 |
| Average equity | $31,928,500 | 2,388 |
| Average total loans | $142,414,000 | 2,723 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6518% | 4,355 |
| Cost of funding earning assets | 0.3666% | 1,797 |
| Net interest margin | 2.2851% | 4,425 |
| Noninterest income to average assets | 0.2743% | 3,756 |
| Noninterest expense to average assets | 1.5834% | 4,444 |
| Loan and lease loss provision to assets | 0.1166% | 1,078 |
| Net operating income to assets | 0.6446% | 3,762 |
| Return on assets (ROA) | 0.6446% | 3,820 |
| Pretax return on assets | 0.8024% | 3,724 |
| Return on Equity (ROE) | 6.9407% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.9407% | 1,939 |
| Net charge-offs to loans | 0.1430% | 657 |
| Credit loss provision to net charge-offs | 189.8734% | 1,341 |
| Earnings coverage of net charge-offs (x) | 14.9684% | 2,013 |
| Efficiency ratio | 63.2764% | 2,672 |
| Assets per employee ($millions) | 9.5593% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5173% | 4,611 |
| Loan loss allowance to noncurrent loans | 29.6217% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 839 |
| Noncurrent loans to loans | 1.7464% | 492 |
| Net loans and leases to total assets | 42.0034% | 3,978 |
| Net loans and leases to deposits | 47.0401% | 4,046 |
| Net loans and leases to core deposits | 71.4367% | 2,308 |
| Total domestic deposits to total assets | 89.2927% | 1,354 |
| Equity capital to assets | 10.1754% | 2,497 |
| Core capital (leverage) ratio | 10.7302% | 1,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $257,355,000 | 2,680 |
| Average earning assets | $250,925,600 | 2,610 |
| Average equity | $23,902,600 | 2,919 |
| Average total loans | $110,488,600 | 3,075 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6671% | 4,441 |
| Cost of funding earning assets | 0.3489% | 2,125 |
| Net interest margin | 2.3182% | 4,475 |
| Noninterest income to average assets | 0.2981% | 3,656 |
| Noninterest expense to average assets | 1.5698% | 4,509 |
| Loan and lease loss provision to assets | 0.0824% | 1,438 |
| Net operating income to assets | 0.7231% | 3,714 |
| Return on assets (ROA) | 0.7231% | 3,776 |
| Pretax return on assets | 0.9153% | 3,662 |
| Return on Equity (ROE) | 8.0351% | 3,394 |
| Retained earnings to average equity (ytd only) | 8.0351% | 2,045 |
| Net charge-offs to loans | -0.0089% | 3,626 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,002 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1420% | 2,811 |
| Assets per employee ($millions) | 9.3957% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5818% | 4,641 |
| Loan loss allowance to noncurrent loans | 30.9859% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 0.8338% | 841 |
| Noncurrent loans to loans | 1.8775% | 493 |
| Net loans and leases to total assets | 44.1538% | 3,943 |
| Net loans and leases to deposits | 49.5351% | 4,028 |
| Net loans and leases to core deposits | 76.0490% | 2,042 |
| Total domestic deposits to total assets | 89.1363% | 1,206 |
| Equity capital to assets | 10.2017% | 2,707 |
| Core capital (leverage) ratio | 10.4035% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $242,829,250 | 2,794 |
| Average earning assets | $237,706,500 | 2,715 |
| Average equity | $21,853,500 | 3,105 |
| Average total loans | $104,812,750 | 3,182 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2604% | 4,737 |
| Cost of funding earning assets | 0.3085% | 2,695 |
| Net interest margin | 1.9519% | 4,732 |
| Noninterest income to average assets | 0.3340% | 3,426 |
| Noninterest expense to average assets | 1.3016% | 4,787 |
| Loan and lease loss provision to assets | 0.1288% | 970 |
| Net operating income to assets | 0.6594% | 3,855 |
| Return on assets (ROA) | 0.6594% | 3,918 |
| Pretax return on assets | 0.8105% | 3,845 |
| Return on Equity (ROE) | 7.7293% | 3,484 |
| Retained earnings to average equity (ytd only) | 7.7293% | 2,183 |
| Net charge-offs to loans | 0.0101% | 1,773 |
| Credit loss provision to net charge-offs | 3,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 218.8000% | 474 |
| Efficiency ratio | 58.0843% | 3,275 |
| Assets per employee ($millions) | 12.1237% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6013% | 4,658 |
| Loan loss allowance to noncurrent loans | 32.2761% | 4,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 1,213 |
| Noncurrent loans to loans | 1.8630% | 543 |
| Net loans and leases to total assets | 36.2899% | 4,454 |
| Net loans and leases to deposits | 42.6973% | 4,437 |
| Net loans and leases to core deposits | 55.9071% | 3,895 |
| Total domestic deposits to total assets | 84.9935% | 3,097 |
| Equity capital to assets | 7.7112% | 4,673 |
| Core capital (leverage) ratio | 10.7071% | 1,791 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $232,947,333 | 2,862 |
| Average earning assets | $227,572,333 | 2,778 |
| Average equity | $19,872,333 | 3,258 |
| Average total loans | $99,413,000 | 3,261 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7561% | 4,420 |
| Cost of funding earning assets | 0.2449% | 3,520 |
| Net interest margin | 2.5112% | 4,282 |
| Noninterest income to average assets | 0.2210% | 4,057 |
| Noninterest expense to average assets | 2.0332% | 3,613 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5088% | 4,161 |
| Return on assets (ROA) | 0.5088% | 4,198 |
| Pretax return on assets | 0.6256% | 4,155 |
| Return on Equity (ROE) | 5.5282% | 3,985 |
| Retained earnings to average equity (ytd only) | 5.5282% | 3,054 |
| Net charge-offs to loans | 0.0699% | 856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 18.7500% | 1,273 |
| Efficiency ratio | 76.4706% | 1,093 |
| Assets per employee ($millions) | 7.5509% | 1,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5797% | 4,708 |
| Loan loss allowance to noncurrent loans | 26.1062% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 1.0360% | 787 |
| Noncurrent loans to loans | 2.2204% | 449 |
| Net loans and leases to total assets | 46.3894% | 3,933 |
| Net loans and leases to deposits | 59.3778% | 3,534 |
| Net loans and leases to core deposits | 74.2217% | 2,494 |
| Total domestic deposits to total assets | 78.1258% | 4,422 |
| Equity capital to assets | 9.0096% | 3,671 |
| Core capital (leverage) ratio | 10.5712% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $191,812,500 | 3,152 |
| Average earning assets | $186,206,000 | 3,086 |
| Average equity | $17,655,000 | 3,456 |
| Average total loans | $91,577,500 | 3,386 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2956% | 4,340 |
| Cost of funding earning assets | 0.4799% | 3,080 |
| Net interest margin | 2.8156% | 4,240 |
| Noninterest income to average assets | 0.6505% | 2,026 |
| Noninterest expense to average assets | 2.4732% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.4383% | 143 |
| Return on assets (ROA) | 2.4383% | 150 |
| Pretax return on assets | 0.8898% | 3,393 |
| Return on Equity (ROE) | 27.4206% | 84 |
| Retained earnings to average equity (ytd only) | 27.4206% | 35 |
| Net charge-offs to loans | 0.0777% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 20.6379% | 1,932 |
| Efficiency ratio | 73.5411% | 1,499 |
| Assets per employee ($millions) | 7.8078% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5969% | 4,717 |
| Loan loss allowance to noncurrent loans | 44.9097% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 1,614 |
| Noncurrent loans to loans | 1.3292% | 1,019 |
| Net loans and leases to total assets | 48.6098% | 3,931 |
| Net loans and leases to deposits | 68.2808% | 3,049 |
| Net loans and leases to core deposits | 85.1361% | 1,941 |
| Total domestic deposits to total assets | 71.1910% | 4,745 |
| Equity capital to assets | 9.4489% | 3,661 |
| Core capital (leverage) ratio | 11.3088% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,519,800 | 3,570 |
| Average earning assets | $129,599,000 | 3,510 |
| Average equity | $11,961,800 | 3,981 |
| Average total loans | $74,653,000 | 3,650 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3711% | 4,388 |
| Cost of funding earning assets | 0.5750% | 2,771 |
| Net interest margin | 2.7961% | 4,346 |
| Noninterest income to average assets | 0.6056% | 2,151 |
| Noninterest expense to average assets | 2.5137% | 2,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 3.1315% | 81 |
| Return on assets (ROA) | 3.1315% | 85 |
| Pretax return on assets | 0.7804% | 3,699 |
| Return on Equity (ROE) | 36.0884% | 42 |
| Retained earnings to average equity (ytd only) | 36.0884% | 23 |
| Net charge-offs to loans | 0.1136% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 11.8333% | 2,280 |
| Efficiency ratio | 76.3096% | 1,182 |
| Assets per employee ($millions) | 6.7306% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5977% | 4,727 |
| Loan loss allowance to noncurrent loans | 27.2773% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.3260% | 697 |
| Noncurrent loans to loans | 2.1911% | 532 |
| Net loans and leases to total assets | 56.1133% | 3,615 |
| Net loans and leases to deposits | 85.5808% | 1,751 |
| Net loans and leases to core deposits | 113.9907% | 556 |
| Total domestic deposits to total assets | 65.5676% | 4,859 |
| Equity capital to assets | 7.8522% | 4,761 |
| Core capital (leverage) ratio | 8.4140% | 4,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,303,250 | 3,723 |
| Average earning assets | $116,637,000 | 3,657 |
| Average equity | $10,525,750 | 4,149 |
| Average total loans | $70,407,500 | 3,743 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 4,426 |
| Cost of funding earning assets | 0.7075% | 2,340 |
| Net interest margin | 2.7780% | 4,479 |
| Noninterest income to average assets | 0.4019% | 3,061 |
| Noninterest expense to average assets | 2.7170% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 4.6340% | 41 |
| Return on assets (ROA) | 4.6340% | 40 |
| Pretax return on assets | 0.3538% | 4,464 |
| Return on Equity (ROE) | 50.7214% | 14 |
| Retained earnings to average equity (ytd only) | 50.7214% | 7 |
| Net charge-offs to loans | 0.0599% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.0526% | 2,178 |
| Efficiency ratio | 88.4801% | 433 |
| Assets per employee ($millions) | 7.3797% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6760% | 4,614 |
| Loan loss allowance to noncurrent loans | 30.7612% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 1.3222% | 774 |
| Noncurrent loans to loans | 2.1974% | 579 |
| Net loans and leases to total assets | 55.5616% | 3,726 |
| Net loans and leases to deposits | 75.0320% | 2,970 |
| Net loans and leases to core deposits | 100.8858% | 1,194 |
| Total domestic deposits to total assets | 74.0505% | 4,594 |
| Equity capital to assets | 7.3761% | 4,908 |
| Core capital (leverage) ratio | 9.8170% | 3,008 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,985,333 | 3,892 |
| Average earning assets | $103,745,333 | 3,846 |
| Average equity | $9,865,667 | 4,232 |
| Average total loans | $63,481,000 | 3,886 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 2,495 |
| Cost of funding earning assets | 0.9562% | 1,625 |
| Net interest margin | 3.4779% | 3,054 |
| Noninterest income to average assets | 0.5398% | 2,339 |
| Noninterest expense to average assets | 3.6884% | 710 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 11.1173% | 14 |
| Return on assets (ROA) | 11.1173% | 15 |
| Pretax return on assets | 0.1752% | 4,595 |
| Return on Equity (ROE) | 103.5159% | 2 |
| Retained earnings to average equity (ytd only) | 103.5159% | 1 |
| Net charge-offs to loans | -0.1234% | 4,860 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4657% | 340 |
| Assets per employee ($millions) | 4.3253% | 3,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,808 |
| Loan loss allowance to noncurrent loans | 38.5475% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 1.9322% | 443 |
| Noncurrent loans to loans | 3.0450% | 350 |
| Net loans and leases to total assets | 57.5629% | 3,708 |
| Net loans and leases to deposits | 66.5271% | 3,832 |
| Net loans and leases to core deposits | 83.4011% | 2,898 |
| Total domestic deposits to total assets | 86.5255% | 1,765 |
| Equity capital to assets | 11.7009% | 2,287 |
| Core capital (leverage) ratio | 12.9764% | 1,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,481,000 | 4,203 |
| Average earning assets | $80,738,500 | 4,158 |
| Average equity | $9,073,000 | 4,359 |
| Average total loans | $51,875,500 | 4,116 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 2,303 |
| Cost of funding earning assets | 0.8948% | 2,212 |
| Net interest margin | 3.8111% | 2,468 |
| Noninterest income to average assets | 1.1062% | 780 |
| Noninterest expense to average assets | 4.0178% | 522 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7653% | 3,655 |
| Return on assets (ROA) | 0.7653% | 3,743 |
| Pretax return on assets | 0.7768% | 4,027 |
| Return on Equity (ROE) | 7.7229% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.7229% | 1,073 |
| Net charge-offs to loans | -0.2312% | 5,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7984% | 668 |
| Assets per employee ($millions) | 3.7205% | 4,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1899% | 2,496 |
| Loan loss allowance to noncurrent loans | 49.9175% | 4,086 |
| Noncurrent assets plus other real estate owned to assets | 1.7355% | 527 |
| Noncurrent loans to loans | 2.3837% | 481 |
| Net loans and leases to total assets | 64.3023% | 3,157 |
| Net loans and leases to deposits | 72.7578% | 3,454 |
| Net loans and leases to core deposits | 94.9609% | 1,985 |
| Total domestic deposits to total assets | 88.3785% | 950 |
| Equity capital to assets | 9.6223% | 4,250 |
| Core capital (leverage) ratio | 10.1553% | 3,349 |
| Tier 1 risk-based capital ratio | 16.8549% | 2,101 |
| Total risk-based capital ratio | 18.1065% | 2,043 |
| Memoranda: | ||
| Average total assets | $69,516,400 | 4,439 |
| Average earning assets | $67,277,400 | 4,385 |
| Average equity | $6,888,600 | 4,652 |
| Average total loans | $46,288,600 | 4,254 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6860% | 2,467 |
| Cost of funding earning assets | 0.8713% | 2,363 |
| Net interest margin | 3.8146% | 2,546 |
| Noninterest income to average assets | 1.2173% | 617 |
| Noninterest expense to average assets | 4.1842% | 421 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7244% | 3,929 |
| Return on assets (ROA) | 0.7244% | 3,999 |
| Pretax return on assets | 0.7244% | 4,289 |
| Return on Equity (ROE) | 7.2496% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.2496% | 1,737 |
| Net charge-offs to loans | -0.1358% | 5,052 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2419% | 539 |
| Assets per employee ($millions) | 3.7916% | 4,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 2,896 |
| Loan loss allowance to noncurrent loans | 44.4444% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 1.8989% | 490 |
| Noncurrent loans to loans | 2.5335% | 454 |
| Net loans and leases to total assets | 66.3067% | 3,014 |
| Net loans and leases to deposits | 74.6142% | 3,425 |
| Net loans and leases to core deposits | 126.8368% | 352 |
| Total domestic deposits to total assets | 88.8661% | 665 |
| Equity capital to assets | 9.8000% | 4,216 |
| Core capital (leverage) ratio | 10.0847% | 3,548 |
| Tier 1 risk-based capital ratio | 15.2612% | 2,733 |
| Total risk-based capital ratio | 16.4469% | 2,689 |
| Memoranda: | ||
| Average total assets | $67,362,750 | 4,533 |
| Average earning assets | $65,186,000 | 4,474 |
| Average equity | $6,731,250 | 4,725 |
| Average total loans | $45,149,500 | 4,334 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 2,609 |
| Cost of funding earning assets | 0.7989% | 2,647 |
| Net interest margin | 3.8223% | 2,510 |
| Noninterest income to average assets | 0.7659% | 1,455 |
| Noninterest expense to average assets | 4.2521% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2219% | 4,970 |
| Return on assets (ROA) | 0.2219% | 4,982 |
| Pretax return on assets | 0.2219% | 5,011 |
| Return on Equity (ROE) | 2.2049% | 4,913 |
| Retained earnings to average equity (ytd only) | 2.2049% | 4,050 |
| Net charge-offs to loans | -0.2041% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0408% | 217 |
| Assets per employee ($millions) | 3.7958% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 2,497 |
| Loan loss allowance to noncurrent loans | 49.0515% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.8324% | 542 |
| Noncurrent loans to loans | 2.4577% | 490 |
| Net loans and leases to total assets | 65.1299% | 3,219 |
| Net loans and leases to deposits | 73.1848% | 3,582 |
| Net loans and leases to core deposits | 128.0539% | 351 |
| Total domestic deposits to total assets | 88.9938% | 663 |
| Equity capital to assets | 9.9115% | 4,050 |
| Core capital (leverage) ratio | 10.4095% | 3,186 |
| Tier 1 risk-based capital ratio | 16.0422% | 2,393 |
| Total risk-based capital ratio | 17.2927% | 2,335 |
| Memoranda: | ||
| Average total assets | $65,803,330 | 4,591 |
| Average earning assets | $63,836,670 | 4,526 |
| Average equity | $6,621,670 | 4,765 |
| Average total loans | $44,095,330 | 4,385 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4356% | 3,097 |
| Cost of funding earning assets | 0.7925% | 2,580 |
| Net interest margin | 3.6431% | 3,101 |
| Noninterest income to average assets | 0.8181% | 1,242 |
| Noninterest expense to average assets | 4.1027% | 462 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2479% | 4,961 |
| Return on assets (ROA) | 0.2479% | 4,968 |
| Pretax return on assets | 0.2479% | 5,002 |
| Return on Equity (ROE) | 2.4441% | 4,903 |
| Retained earnings to average equity (ytd only) | 2.4441% | 3,942 |
| Net charge-offs to loans | -0.1559% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3020% | 266 |
| Assets per employee ($millions) | 3.7666% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 2,753 |
| Loan loss allowance to noncurrent loans | 32.4307% | 4,587 |
| Noncurrent assets plus other real estate owned to assets | 2.4815% | 315 |
| Noncurrent loans to loans | 3.6012% | 245 |
| Net loans and leases to total assets | 68.0618% | 2,751 |
| Net loans and leases to deposits | 76.8466% | 3,180 |
| Net loans and leases to core deposits | 131.0264% | 295 |
| Total domestic deposits to total assets | 88.5684% | 1,050 |
| Equity capital to assets | 10.3322% | 3,492 |
| Core capital (leverage) ratio | 10.5727% | 2,967 |
| Tier 1 risk-based capital ratio | 15.8383% | 2,512 |
| Total risk-based capital ratio | 17.0601% | 2,455 |
| Memoranda: | ||
| Average total assets | $64,542,500 | 4,665 |
| Average earning assets | $62,584,000 | 4,603 |
| Average equity | $6,546,500 | 4,811 |
| Average total loans | $43,621,500 | 4,438 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4494% | 2,610 |
| Cost of funding earning assets | 0.6999% | 2,094 |
| Net interest margin | 3.7495% | 2,860 |
| Noninterest income to average assets | 1.4964% | 410 |
| Noninterest expense to average assets | 4.8947% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.2395% | 5,070 |
| Return on assets (ROA) | 0.2395% | 5,068 |
| Pretax return on assets | 0.2447% | 5,090 |
| Return on Equity (ROE) | 2.4720% | 4,981 |
| Retained earnings to average equity (ytd only) | 2.4720% | 4,153 |
| Net charge-offs to loans | 0.1976% | 970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2.0290% | 3,562 |
| Efficiency ratio | 95.2381% | 221 |
| Assets per employee ($millions) | 3.8266% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 2,804 |
| Loan loss allowance to noncurrent loans | 31.2030% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 2.4534% | 319 |
| Noncurrent loans to loans | 3.6991% | 222 |
| Net loans and leases to total assets | 65.5599% | 3,193 |
| Net loans and leases to deposits | 77.2441% | 3,249 |
| Net loans and leases to core deposits | 133.1793% | 272 |
| Total domestic deposits to total assets | 84.8736% | 2,696 |
| Equity capital to assets | 9.9567% | 3,721 |
| Core capital (leverage) ratio | 10.9355% | 2,591 |
| Tier 1 risk-based capital ratio | 15.5607% | 2,591 |
| Total risk-based capital ratio | 16.7284% | 2,555 |
| Memoranda: | ||
| Average total assets | $57,204,400 | 4,814 |
| Average earning assets | $55,581,000 | 4,756 |
| Average equity | $5,542,000 | 4,965 |
| Average total loans | $34,914,800 | 4,688 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 2,563 |
| Cost of funding earning assets | 0.6851% | 1,946 |
| Net interest margin | 3.7356% | 2,877 |
| Noninterest income to average assets | 0.9582% | 1,040 |
| Noninterest expense to average assets | 5.0322% | 198 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.4417% | 5,381 |
| Return on assets (ROA) | -0.4417% | 5,378 |
| Pretax return on assets | -0.4417% | 5,375 |
| Return on Equity (ROE) | -4.5964% | 5,388 |
| Retained earnings to average equity (ytd only) | -4.5964% | 5,303 |
| Net charge-offs to loans | 0.2597% | 642 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | -2.8594% | 3,448 |
| Efficiency ratio | 109.6215% | 82 |
| Assets per employee ($millions) | 3.3206% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4541% | 1,505 |
| Loan loss allowance to noncurrent loans | 22.9157% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 3.8480% | 135 |
| Noncurrent loans to loans | 6.3456% | 70 |
| Net loans and leases to total assets | 57.0310% | 4,128 |
| Net loans and leases to deposits | 63.8256% | 4,338 |
| Net loans and leases to core deposits | 101.0105% | 1,700 |
| Total domestic deposits to total assets | 89.3544% | 718 |
| Equity capital to assets | 9.4745% | 4,101 |
| Core capital (leverage) ratio | 10.4073% | 3,180 |
| Tier 1 risk-based capital ratio | 16.0542% | 2,431 |
| Total risk-based capital ratio | 17.3045% | 2,370 |
| Memoranda: | ||
| Average total assets | $55,242,500 | 4,904 |
| Average earning assets | $53,715,750 | 4,843 |
| Average equity | $5,308,250 | 5,060 |
| Average total loans | $32,857,000 | 4,799 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3821% | 2,483 |
| Cost of funding earning assets | 0.6539% | 1,908 |
| Net interest margin | 3.7282% | 2,832 |
| Noninterest income to average assets | 0.9975% | 966 |
| Noninterest expense to average assets | 5.1179% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.4913% | 5,444 |
| Return on assets (ROA) | -0.4913% | 5,438 |
| Pretax return on assets | -0.4913% | 5,434 |
| Return on Equity (ROE) | -5.0867% | 5,439 |
| Retained earnings to average equity (ytd only) | -5.0867% | 5,298 |
| Net charge-offs to loans | 0.4027% | 388 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -2.0308% | 3,158 |
| Efficiency ratio | 110.6195% | 96 |
| Assets per employee ($millions) | 3.1294% | 4,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 1,390 |
| Loan loss allowance to noncurrent loans | 22.5314% | 4,850 |
| Noncurrent assets plus other real estate owned to assets | 4.1559% | 128 |
| Noncurrent loans to loans | 6.6633% | 68 |
| Net loans and leases to total assets | 58.4690% | 3,954 |
| Net loans and leases to deposits | 65.1959% | 4,209 |
| Net loans and leases to core deposits | 101.2730% | 1,629 |
| Total domestic deposits to total assets | 89.6820% | 674 |
| Equity capital to assets | 9.3167% | 4,268 |
| Core capital (leverage) ratio | 10.0094% | 3,574 |
| Tier 1 risk-based capital ratio | 15.3016% | 2,727 |
| Total risk-based capital ratio | 16.5545% | 2,657 |
| Memoranda: | ||
| Average total assets | $53,733,000 | 4,988 |
| Average earning assets | $52,303,670 | 4,922 |
| Average equity | $5,190,000 | 5,134 |
| Average total loans | $32,279,000 | 4,865 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9876% | 3,651 |
| Cost of funding earning assets | 0.6189% | 1,921 |
| Net interest margin | 3.3687% | 3,993 |
| Noninterest income to average assets | 1.2892% | 559 |
| Noninterest expense to average assets | 5.1340% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.5645% | 5,505 |
| Return on assets (ROA) | -0.5645% | 5,503 |
| Pretax return on assets | -0.5645% | 5,501 |
| Return on Equity (ROE) | -5.7353% | 5,507 |
| Retained earnings to average equity (ytd only) | -5.7353% | 5,236 |
| Net charge-offs to loans | -0.0252% | 4,669 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3539% | 88 |
| Assets per employee ($millions) | 3.4856% | 4,678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 797 |
| Loan loss allowance to noncurrent loans | 21.3589% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 5.3018% | 89 |
| Noncurrent loans to loans | 8.4009% | 43 |
| Net loans and leases to total assets | 59.5632% | 3,792 |
| Net loans and leases to deposits | 67.0427% | 4,018 |
| Net loans and leases to core deposits | 96.0284% | 1,973 |
| Total domestic deposits to total assets | 88.8436% | 1,183 |
| Equity capital to assets | 9.8214% | 3,771 |
| Core capital (leverage) ratio | 10.4310% | 3,030 |
| Tier 1 risk-based capital ratio | 15.5843% | 2,633 |
| Total risk-based capital ratio | 16.8381% | 2,576 |
| Memoranda: | ||
| Average total assets | $52,435,000 | 5,068 |
| Average earning assets | $51,058,000 | 5,006 |
| Average equity | $5,161,000 | 5,191 |
| Average total loans | $31,700,000 | 4,931 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9808% | 3,469 |
| Cost of funding earning assets | 0.5905% | 1,669 |
| Net interest margin | 3.3903% | 3,878 |
| Noninterest income to average assets | 0.5651% | 2,629 |
| Noninterest expense to average assets | 6.4342% | 136 |
| Loan and lease loss provision to assets | 0.5060% | 259 |
| Net operating income to assets | -3.1875% | 5,653 |
| Return on assets (ROA) | -3.1875% | 5,653 |
| Pretax return on assets | -3.1875% | 5,655 |
| Return on Equity (ROE) | -31.1214% | 5,654 |
| Retained earnings to average equity (ytd only) | -31.1214% | 5,642 |
| Net charge-offs to loans | 2.1686% | 62 |
| Credit loss provision to net charge-offs | 37.9056% | 3,459 |
| Earnings coverage of net charge-offs (x) | -2.0088% | 4,052 |
| Efficiency ratio | 171.4586% | 16 |
| Assets per employee ($millions) | 3.2866% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 793 |
| Loan loss allowance to noncurrent loans | 18.0746% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 6.1613% | 62 |
| Noncurrent loans to loans | 9.8993% | 24 |
| Net loans and leases to total assets | 59.1831% | 3,907 |
| Net loans and leases to deposits | 66.4149% | 4,157 |
| Net loans and leases to core deposits | 100.5200% | 1,670 |
| Total domestic deposits to total assets | 89.1112% | 954 |
| Equity capital to assets | 9.8638% | 3,857 |
| Core capital (leverage) ratio | 10.8873% | 2,435 |
| Tier 1 risk-based capital ratio | 15.1782% | 2,761 |
| Total risk-based capital ratio | 16.4329% | 2,690 |
| Memoranda: | ||
| Average total assets | $50,791,400 | 5,143 |
| Average earning assets | $47,754,000 | 5,114 |
| Average equity | $5,202,200 | 5,235 |
| Average total loans | $31,264,400 | 4,994 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,756 |
| Cost of funding earning assets | 0.6089% | 1,469 |
| Net interest margin | 3.5511% | 3,316 |
| Noninterest income to average assets | 0.3522% | 4,010 |
| Noninterest expense to average assets | 6.0543% | 149 |
| Loan and lease loss provision to assets | 0.4290% | 308 |
| Net operating income to assets | -2.8259% | 5,717 |
| Return on assets (ROA) | -2.8259% | 5,717 |
| Pretax return on assets | -2.8259% | 5,717 |
| Return on Equity (ROE) | -27.3267% | 5,719 |
| Retained earnings to average equity (ytd only) | -27.3267% | 5,700 |
| Net charge-offs to loans | 2.5076% | 54 |
| Credit loss provision to net charge-offs | 27.6451% | 3,099 |
| Earnings coverage of net charge-offs (x) | -1.5444% | 3,724 |
| Efficiency ratio | 165.5322% | 18 |
| Assets per employee ($millions) | 3.4126% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9241% | 667 |
| Loan loss allowance to noncurrent loans | 19.3018% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 9.0715% | 30 |
| Noncurrent loans to loans | 9.9686% | 27 |
| Net loans and leases to total assets | 60.1725% | 3,842 |
| Net loans and leases to deposits | 69.2656% | 4,022 |
| Net loans and leases to core deposits | 88.2355% | 2,751 |
| Total domestic deposits to total assets | 86.8721% | 1,917 |
| Equity capital to assets | 12.0521% | 1,932 |
| Core capital (leverage) ratio | 12.1332% | 1,612 |
| Tier 1 risk-based capital ratio | 17.3614% | 2,048 |
| Total risk-based capital ratio | 18.6176% | 1,997 |
| Memoranda: | ||
| Average total assets | $50,342,750 | 5,204 |
| Average earning assets | $46,857,000 | 5,184 |
| Average equity | $5,206,000 | 5,290 |
| Average total loans | $31,158,250 | 5,044 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0777% | 2,899 |
| Cost of funding earning assets | 0.6247% | 1,309 |
| Net interest margin | 3.4529% | 3,579 |
| Noninterest income to average assets | 0.0664% | 5,606 |
| Noninterest expense to average assets | 6.2033% | 149 |
| Loan and lease loss provision to assets | 0.4297% | 292 |
| Net operating income to assets | -3.3712% | 5,771 |
| Return on assets (ROA) | -3.3712% | 5,771 |
| Pretax return on assets | -3.3712% | 5,769 |
| Return on Equity (ROE) | -34.3688% | 5,769 |
| Retained earnings to average equity (ytd only) | -34.3688% | 5,748 |
| Net charge-offs to loans | 3.1284% | 43 |
| Credit loss provision to net charge-offs | 22.1328% | 2,774 |
| Earnings coverage of net charge-offs (x) | -1.5151% | 3,441 |
| Efficiency ratio | 190.1796% | 14 |
| Assets per employee ($millions) | 3.5110% | 4,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 606 |
| Loan loss allowance to noncurrent loans | 16.4163% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 10.6380% | 24 |
| Noncurrent loans to loans | 12.1604% | 16 |
| Net loans and leases to total assets | 60.0256% | 3,841 |
| Net loans and leases to deposits | 67.0507% | 4,138 |
| Net loans and leases to core deposits | 85.3338% | 2,940 |
| Total domestic deposits to total assets | 89.5227% | 720 |
| Equity capital to assets | 10.1172% | 3,776 |
| Core capital (leverage) ratio | 9.8072% | 3,766 |
| Tier 1 risk-based capital ratio | 14.3677% | 3,232 |
| Total risk-based capital ratio | 15.6225% | 3,154 |
| Memoranda: | ||
| Average total assets | $51,198,330 | 5,228 |
| Average earning assets | $47,380,000 | 5,208 |
| Average equity | $5,022,000 | 5,365 |
| Average total loans | $31,773,670 | 5,053 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7343% | 3,991 |
| Cost of funding earning assets | 0.6280% | 1,205 |
| Net interest margin | 3.1064% | 4,633 |
| Noninterest income to average assets | 2.7575% | 208 |
| Noninterest expense to average assets | 5.9440% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.3447% | 5,709 |
| Return on assets (ROA) | -0.3447% | 5,708 |
| Pretax return on assets | -0.3447% | 5,697 |
| Return on Equity (ROE) | -3.5668% | 5,717 |
| Retained earnings to average equity (ytd only) | -3.5668% | 5,301 |
| Net charge-offs to loans | 0.0859% | 1,490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | -6.4286% | 2,909 |
| Efficiency ratio | 106.1560% | 161 |
| Assets per employee ($millions) | 3.5235% | 4,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0832% | 161 |
| Loan loss allowance to noncurrent loans | 17.7460% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 16.0634% | 9 |
| Noncurrent loans to loans | 17.3738% | 9 |
| Net loans and leases to total assets | 58.3448% | 3,944 |
| Net loans and leases to deposits | 64.8054% | 4,264 |
| Net loans and leases to core deposits | 84.4248% | 2,860 |
| Total domestic deposits to total assets | 90.0308% | 648 |
| Equity capital to assets | 9.5226% | 4,269 |
| Core capital (leverage) ratio | 9.5327% | 4,077 |
| Tier 1 risk-based capital ratio | 13.0391% | 4,052 |
| Total risk-based capital ratio | 14.3045% | 3,951 |
| Memoranda: | ||
| Average total assets | $52,220,500 | 5,263 |
| Average earning assets | $47,773,000 | 5,256 |
| Average equity | $5,046,500 | 5,412 |
| Average total loans | $32,607,500 | 5,073 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,269 |
| Cost of funding earning assets | 0.5634% | 1,580 |
| Net interest margin | 3.6972% | 2,704 |
| Noninterest income to average assets | 0.5568% | 2,876 |
| Noninterest expense to average assets | 6.3087% | 146 |
| Loan and lease loss provision to assets | 0.2995% | 631 |
| Net operating income to assets | -2.7377% | 5,888 |
| Return on assets (ROA) | -2.7377% | 5,889 |
| Pretax return on assets | -2.7377% | 5,889 |
| Return on Equity (ROE) | -31.3104% | 5,891 |
| Retained earnings to average equity (ytd only) | -31.3104% | 5,881 |
| Net charge-offs to loans | 0.7139% | 301 |
| Credit loss provision to net charge-offs | 63.1579% | 3,201 |
| Earnings coverage of net charge-offs (x) | -5.1417% | 4,220 |
| Efficiency ratio | 162.9960% | 26 |
| Assets per employee ($millions) | 3.2297% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9523% | 183 |
| Loan loss allowance to noncurrent loans | 14.5102% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 18.9086% | 5 |
| Noncurrent loans to loans | 20.3460% | 7 |
| Net loans and leases to total assets | 62.8505% | 3,496 |
| Net loans and leases to deposits | 70.4527% | 3,859 |
| Net loans and leases to core deposits | 77.0296% | 3,655 |
| Total domestic deposits to total assets | 89.2095% | 1,002 |
| Equity capital to assets | 9.9603% | 3,760 |
| Core capital (leverage) ratio | 10.1856% | 3,243 |
| Tier 1 risk-based capital ratio | 12.9756% | 4,095 |
| Total risk-based capital ratio | 14.2398% | 3,989 |
| Memoranda: | ||
| Average total assets | $52,086,600 | 5,306 |
| Average earning assets | $46,684,400 | 5,317 |
| Average equity | $4,554,400 | 5,548 |
| Average total loans | $34,597,200 | 5,051 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,072 |
| Cost of funding earning assets | 0.5511% | 1,677 |
| Net interest margin | 3.7804% | 2,409 |
| Noninterest income to average assets | 0.5007% | 3,242 |
| Noninterest expense to average assets | 5.8835% | 178 |
| Loan and lease loss provision to assets | 0.2989% | 569 |
| Net operating income to assets | -2.2993% | 5,950 |
| Return on assets (ROA) | -2.2993% | 5,950 |
| Pretax return on assets | -2.2993% | 5,946 |
| Return on Equity (ROE) | -27.2334% | 5,955 |
| Retained earnings to average equity (ytd only) | -27.2334% | 5,938 |
| Net charge-offs to loans | 0.4396% | 488 |
| Credit loss provision to net charge-offs | 101.7391% | 2,316 |
| Earnings coverage of net charge-offs (x) | -6.8086% | 3,909 |
| Efficiency ratio | 151.5132% | 34 |
| Assets per employee ($millions) | 3.2077% | 5,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1705% | 155 |
| Loan loss allowance to noncurrent loans | 19.1192% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 16.7001% | 11 |
| Noncurrent loans to loans | 16.5826% | 13 |
| Net loans and leases to total assets | 64.3279% | 3,355 |
| Net loans and leases to deposits | 70.4365% | 3,945 |
| Net loans and leases to core deposits | 77.3439% | 3,717 |
| Total domestic deposits to total assets | 91.3275% | 139 |
| Equity capital to assets | 8.2614% | 5,643 |
| Core capital (leverage) ratio | 8.1584% | 5,601 |
| Tier 1 risk-based capital ratio | 10.3537% | 5,677 |
| Total risk-based capital ratio | 11.6216% | 5,595 |
| Memoranda: | ||
| Average total assets | $52,189,500 | 5,357 |
| Average earning assets | $46,695,500 | 5,369 |
| Average equity | $4,406,250 | 5,633 |
| Average total loans | $34,880,000 | 5,096 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 1,975 |
| Cost of funding earning assets | 0.5383% | 1,789 |
| Net interest margin | 3.8153% | 2,253 |
| Noninterest income to average assets | 0.3544% | 4,236 |
| Noninterest expense to average assets | 5.8538% | 178 |
| Loan and lease loss provision to assets | 0.2935% | 621 |
| Net operating income to assets | -2.3896% | 6,026 |
| Return on assets (ROA) | -2.3896% | 6,026 |
| Pretax return on assets | -2.3896% | 6,021 |
| Return on Equity (ROE) | -28.1061% | 6,024 |
| Retained earnings to average equity (ytd only) | -28.1061% | 6,000 |
| Net charge-offs to loans | 0.4098% | 555 |
| Credit loss provision to net charge-offs | 106.9444% | 2,005 |
| Earnings coverage of net charge-offs (x) | -7.6389% | 3,641 |
| Efficiency ratio | 155.7809% | 40 |
| Assets per employee ($millions) | 3.2236% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1299% | 169 |
| Loan loss allowance to noncurrent loans | 18.7122% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 16.9336% | 12 |
| Noncurrent loans to loans | 16.7263% | 10 |
| Net loans and leases to total assets | 65.0471% | 3,223 |
| Net loans and leases to deposits | 71.4544% | 3,835 |
| Net loans and leases to core deposits | 78.4924% | 3,605 |
| Total domestic deposits to total assets | 91.0330% | 187 |
| Equity capital to assets | 8.2884% | 5,703 |
| Core capital (leverage) ratio | 8.1336% | 5,646 |
| Tier 1 risk-based capital ratio | 10.3375% | 5,746 |
| Total risk-based capital ratio | 11.6039% | 5,656 |
| Memoranda: | ||
| Average total assets | $52,478,330 | 5,408 |
| Average earning assets | $46,812,000 | 5,428 |
| Average equity | $4,461,670 | 5,684 |
| Average total loans | $35,141,330 | 5,134 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 1,663 |
| Cost of funding earning assets | 0.5356% | 1,823 |
| Net interest margin | 3.9109% | 1,903 |
| Noninterest income to average assets | 0.7709% | 1,728 |
| Noninterest expense to average assets | 4.8518% | 297 |
| Loan and lease loss provision to assets | 0.1965% | 999 |
| Net operating income to assets | -0.8011% | 6,011 |
| Return on assets (ROA) | -0.8011% | 6,013 |
| Pretax return on assets | -0.8011% | 6,005 |
| Return on Equity (ROE) | -9.3085% | 6,023 |
| Retained earnings to average equity (ytd only) | -9.3085% | 5,787 |
| Net charge-offs to loans | -0.0452% | 5,278 |
| Credit loss provision to net charge-offs | -650.0000% | 4,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2349% | 132 |
| Assets per employee ($millions) | 3.3166% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1559% | 192 |
| Loan loss allowance to noncurrent loans | 16.1803% | 5,474 |
| Noncurrent assets plus other real estate owned to assets | 18.6240% | 9 |
| Noncurrent loans to loans | 19.5043% | 5 |
| Net loans and leases to total assets | 64.1315% | 3,222 |
| Net loans and leases to deposits | 70.8100% | 3,776 |
| Net loans and leases to core deposits | 77.1631% | 3,575 |
| Total domestic deposits to total assets | 90.5683% | 412 |
| Equity capital to assets | 9.0077% | 5,166 |
| Core capital (leverage) ratio | 8.9395% | 4,929 |
| Tier 1 risk-based capital ratio | 11.2623% | 5,363 |
| Total risk-based capital ratio | 12.5306% | 5,257 |
| Memoranda: | ||
| Average total assets | $52,928,500 | 5,448 |
| Average earning assets | $47,047,500 | 5,471 |
| Average equity | $4,555,000 | 5,709 |
| Average total loans | $35,395,000 | 5,167 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1296% | 2,814 |
| Cost of funding earning assets | 0.5483% | 1,778 |
| Net interest margin | 3.5813% | 3,203 |
| Noninterest income to average assets | 0.5932% | 2,754 |
| Noninterest expense to average assets | 5.2748% | 229 |
| Loan and lease loss provision to assets | 0.3765% | 375 |
| Net operating income to assets | -1.7867% | 6,133 |
| Return on assets (ROA) | -1.7867% | 6,132 |
| Pretax return on assets | -1.7867% | 6,132 |
| Return on Equity (ROE) | -29.8056% | 6,152 |
| Retained earnings to average equity (ytd only) | -29.8056% | 6,144 |
| Net charge-offs to loans | 1.7231% | 82 |
| Credit loss provision to net charge-offs | 31.8318% | 3,624 |
| Earnings coverage of net charge-offs (x) | -1.1922% | 4,337 |
| Efficiency ratio | 136.4890% | 52 |
| Assets per employee ($millions) | 3.5330% | 4,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7958% | 97 |
| Loan loss allowance to noncurrent loans | 17.1616% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 19.3622% | 7 |
| Noncurrent loans to loans | 22.1183% | 5 |
| Net loans and leases to total assets | 65.2326% | 3,091 |
| Net loans and leases to deposits | 71.7056% | 3,749 |
| Net loans and leases to core deposits | 78.1137% | 3,540 |
| Total domestic deposits to total assets | 90.9727% | 286 |
| Equity capital to assets | 8.5895% | 5,486 |
| Core capital (leverage) ratio | 8.4596% | 5,467 |
| Tier 1 risk-based capital ratio | 10.6028% | 5,727 |
| Total risk-based capital ratio | 11.8767% | 5,634 |
| Memoranda: | ||
| Average total assets | $56,305,400 | 5,400 |
| Average earning assets | $51,433,200 | 5,402 |
| Average equity | $3,375,200 | 5,939 |
| Average total loans | $38,652,000 | 5,063 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 2,563 |
| Cost of funding earning assets | 0.5440% | 1,852 |
| Net interest margin | 3.6603% | 2,924 |
| Noninterest income to average assets | 0.8658% | 1,565 |
| Noninterest expense to average assets | 4.8750% | 309 |
| Loan and lease loss provision to assets | 0.4037% | 295 |
| Net operating income to assets | -1.0525% | 6,195 |
| Return on assets (ROA) | -1.0525% | 6,193 |
| Pretax return on assets | -1.0525% | 6,190 |
| Return on Equity (ROE) | -19.5170% | 6,220 |
| Retained earnings to average equity (ytd only) | -19.5170% | 6,196 |
| Net charge-offs to loans | 1.9492% | 63 |
| Credit loss provision to net charge-offs | 30.0870% | 3,270 |
| Earnings coverage of net charge-offs (x) | -0.4835% | 4,025 |
| Efficiency ratio | 115.3506% | 113 |
| Assets per employee ($millions) | 3.6502% | 4,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7800% | 110 |
| Loan loss allowance to noncurrent loans | 15.0143% | 5,626 |
| Noncurrent assets plus other real estate owned to assets | 22.0609% | 4 |
| Noncurrent loans to loans | 25.1762% | 2 |
| Net loans and leases to total assets | 65.8302% | 3,044 |
| Net loans and leases to deposits | 70.1231% | 3,972 |
| Net loans and leases to core deposits | 75.9653% | 3,809 |
| Total domestic deposits to total assets | 93.8780% | 28 |
| Equity capital to assets | 5.7476% | 6,211 |
| Core capital (leverage) ratio | 5.5169% | 6,214 |
| Tier 1 risk-based capital ratio | 6.7785% | 6,240 |
| Total risk-based capital ratio | 8.0511% | 6,239 |
| Memoranda: | ||
| Average total assets | $57,133,000 | 5,451 |
| Average earning assets | $52,453,250 | 5,443 |
| Average equity | $3,081,000 | 6,077 |
| Average total loans | $39,331,500 | 5,096 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1095% | 2,859 |
| Cost of funding earning assets | 0.5320% | 1,965 |
| Net interest margin | 3.5776% | 3,175 |
| Noninterest income to average assets | 0.8977% | 1,450 |
| Noninterest expense to average assets | 4.8337% | 326 |
| Loan and lease loss provision to assets | 0.4558% | 235 |
| Net operating income to assets | -1.0945% | 6,267 |
| Return on assets (ROA) | -1.0945% | 6,267 |
| Pretax return on assets | -1.0945% | 6,263 |
| Return on Equity (ROE) | -20.7257% | 6,295 |
| Retained earnings to average equity (ytd only) | -20.7257% | 6,265 |
| Net charge-offs to loans | 2.9333% | 40 |
| Credit loss provision to net charge-offs | 22.5256% | 2,994 |
| Earnings coverage of net charge-offs (x) | -0.3157% | 3,735 |
| Efficiency ratio | 115.2263% | 129 |
| Assets per employee ($millions) | 3.3695% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5311% | 160 |
| Loan loss allowance to noncurrent loans | 11.2867% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 24.6308% | 3 |
| Noncurrent loans to loans | 31.2856% | 2 |
| Net loans and leases to total assets | 65.0536% | 3,115 |
| Net loans and leases to deposits | 69.2292% | 4,015 |
| Net loans and leases to core deposits | 75.0912% | 3,843 |
| Total domestic deposits to total assets | 93.9684% | 33 |
| Equity capital to assets | 5.6580% | 6,281 |
| Core capital (leverage) ratio | 5.6659% | 6,280 |
| Tier 1 risk-based capital ratio | 6.7246% | 6,315 |
| Total risk-based capital ratio | 7.9950% | 6,315 |
| Memoranda: | ||
| Average total assets | $57,926,330 | 5,487 |
| Average earning assets | $53,388,000 | 5,478 |
| Average equity | $3,059,000 | 6,141 |
| Average total loans | $39,955,330 | 5,105 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 2,624 |
| Cost of funding earning assets | 0.5136% | 2,168 |
| Net interest margin | 3.6394% | 2,860 |
| Noninterest income to average assets | 0.8958% | 1,396 |
| Noninterest expense to average assets | 4.5064% | 426 |
| Loan and lease loss provision to assets | 0.2940% | 504 |
| Net operating income to assets | -0.5129% | 6,248 |
| Return on assets (ROA) | -0.5129% | 6,256 |
| Pretax return on assets | -0.5129% | 6,243 |
| Return on Equity (ROE) | -9.3342% | 6,313 |
| Retained earnings to average equity (ytd only) | -9.3342% | 6,119 |
| Net charge-offs to loans | -0.0582% | 5,600 |
| Credit loss provision to net charge-offs | -716.6667% | 4,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1037% | 254 |
| Assets per employee ($millions) | 3.4162% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5596% | 85 |
| Loan loss allowance to noncurrent loans | 13.5211% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 26.1799% | 3 |
| Noncurrent loans to loans | 33.7216% | 2 |
| Net loans and leases to total assets | 67.2923% | 2,561 |
| Net loans and leases to deposits | 71.5031% | 3,591 |
| Net loans and leases to core deposits | 77.0748% | 3,482 |
| Total domestic deposits to total assets | 94.1111% | 28 |
| Equity capital to assets | 5.5377% | 6,351 |
| Core capital (leverage) ratio | 5.4192% | 6,350 |
| Tier 1 risk-based capital ratio | 6.2485% | 6,387 |
| Total risk-based capital ratio | 7.5271% | 6,385 |
| Memoranda: | ||
| Average total assets | $58,494,500 | 5,530 |
| Average earning assets | $54,514,500 | 5,503 |
| Average equity | $3,214,000 | 6,169 |
| Average total loans | $41,240,000 | 5,095 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 3,670 |
| Cost of funding earning assets | 0.5157% | 2,527 |
| Net interest margin | 3.5004% | 3,790 |
| Noninterest income to average assets | 0.4992% | 3,522 |
| Noninterest expense to average assets | 4.9165% | 325 |
| Loan and lease loss provision to assets | 0.2410% | 978 |
| Net operating income to assets | -1.4083% | 6,420 |
| Return on assets (ROA) | -1.4083% | 6,420 |
| Pretax return on assets | -1.4083% | 6,411 |
| Return on Equity (ROE) | -29.7836% | 6,465 |
| Retained earnings to average equity (ytd only) | -29.7836% | 6,456 |
| Net charge-offs to loans | 0.7019% | 524 |
| Credit loss provision to net charge-offs | 50.0000% | 3,478 |
| Earnings coverage of net charge-offs (x) | -2.4221% | 4,844 |
| Efficiency ratio | 131.1352% | 89 |
| Assets per employee ($millions) | 3.1007% | 5,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3772% | 101 |
| Loan loss allowance to noncurrent loans | 12.7106% | 5,902 |
| Noncurrent assets plus other real estate owned to assets | 26.6473% | 4 |
| Noncurrent loans to loans | 34.4377% | 2 |
| Net loans and leases to total assets | 67.4118% | 2,665 |
| Net loans and leases to deposits | 71.6334% | 3,724 |
| Net loans and leases to core deposits | 77.1270% | 3,600 |
| Total domestic deposits to total assets | 94.1067% | 29 |
| Equity capital to assets | 5.4520% | 6,442 |
| Core capital (leverage) ratio | 5.3981% | 6,440 |
| Tier 1 risk-based capital ratio | 7.3473% | 6,461 |
| Total risk-based capital ratio | 8.6320% | 6,461 |
| Memoranda: | ||
| Average total assets | $63,907,400 | 5,450 |
| Average earning assets | $59,336,600 | 5,408 |
| Average equity | $3,021,800 | 6,269 |
| Average total loans | $43,879,000 | 5,040 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 3,136 |
| Cost of funding earning assets | 0.5140% | 2,619 |
| Net interest margin | 3.6441% | 3,249 |
| Noninterest income to average assets | 1.0887% | 1,029 |
| Noninterest expense to average assets | 5.3737% | 245 |
| Loan and lease loss provision to assets | 0.0348% | 3,706 |
| Net operating income to assets | -0.9393% | 6,453 |
| Return on assets (ROA) | -0.9393% | 6,452 |
| Pretax return on assets | -0.9393% | 6,440 |
| Return on Equity (ROE) | -20.5759% | 6,513 |
| Retained earnings to average equity (ytd only) | -20.5759% | 6,492 |
| Net charge-offs to loans | 0.2938% | 1,342 |
| Credit loss provision to net charge-offs | 17.3469% | 3,609 |
| Earnings coverage of net charge-offs (x) | -4.5103% | 4,603 |
| Efficiency ratio | 120.2381% | 131 |
| Assets per employee ($millions) | 3.2517% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4174% | 112 |
| Loan loss allowance to noncurrent loans | 16.8749% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 20.4037% | 11 |
| Noncurrent loans to loans | 26.1774% | 6 |
| Net loans and leases to total assets | 66.2270% | 2,818 |
| Net loans and leases to deposits | 69.7326% | 3,949 |
| Net loans and leases to core deposits | 74.7629% | 3,870 |
| Total domestic deposits to total assets | 94.9727% | 27 |
| Equity capital to assets | 4.6113% | 6,534 |
| Core capital (leverage) ratio | 4.5194% | 6,543 |
| Tier 1 risk-based capital ratio | 6.4031% | 6,549 |
| Total risk-based capital ratio | 7.6886% | 6,546 |
| Memoranda: | ||
| Average total assets | $65,155,750 | 5,478 |
| Average earning assets | $60,444,000 | 5,442 |
| Average equity | $2,974,250 | 6,352 |
| Average total loans | $44,465,500 | 5,072 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 2,441 |
| Cost of funding earning assets | 0.5112% | 2,718 |
| Net interest margin | 3.8257% | 2,461 |
| Noninterest income to average assets | 1.0320% | 1,117 |
| Noninterest expense to average assets | 5.6850% | 210 |
| Loan and lease loss provision to assets | 0.0513% | 3,279 |
| Net operating income to assets | -1.1587% | 6,547 |
| Return on assets (ROA) | -1.1587% | 6,546 |
| Pretax return on assets | -1.1587% | 6,531 |
| Return on Equity (ROE) | -25.4642% | 6,595 |
| Retained earnings to average equity (ytd only) | -25.4642% | 6,564 |
| Net charge-offs to loans | 0.3421% | 1,188 |
| Credit loss provision to net charge-offs | 22.0779% | 3,176 |
| Earnings coverage of net charge-offs (x) | -4.7662% | 4,286 |
| Efficiency ratio | 124.1925% | 122 |
| Assets per employee ($millions) | 2.7232% | 6,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3334% | 141 |
| Loan loss allowance to noncurrent loans | 24.4189% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 14.1224% | 42 |
| Noncurrent loans to loans | 17.7462% | 19 |
| Net loans and leases to total assets | 64.5837% | 2,987 |
| Net loans and leases to deposits | 67.9524% | 4,056 |
| Net loans and leases to core deposits | 73.0075% | 3,945 |
| Total domestic deposits to total assets | 95.0426% | 30 |
| Equity capital to assets | 4.5060% | 6,600 |
| Core capital (leverage) ratio | 4.4773% | 6,603 |
| Tier 1 risk-based capital ratio | 6.4104% | 6,604 |
| Total risk-based capital ratio | 7.6955% | 6,604 |
| Memoranda: | ||
| Average total assets | $66,280,000 | 5,496 |
| Average earning assets | $61,426,330 | 5,469 |
| Average equity | $3,016,000 | 6,390 |
| Average total loans | $45,018,000 | 5,074 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6035% | 1,497 |
| Cost of funding earning assets | 0.5194% | 2,725 |
| Net interest margin | 4.0841% | 1,511 |
| Noninterest income to average assets | 0.9709% | 1,199 |
| Noninterest expense to average assets | 6.7245% | 152 |
| Loan and lease loss provision to assets | 0.1019% | 2,221 |
| Net operating income to assets | -2.0857% | 6,663 |
| Return on assets (ROA) | -2.0857% | 6,659 |
| Pretax return on assets | -2.0857% | 6,645 |
| Return on Equity (ROE) | -45.6169% | 6,688 |
| Retained earnings to average equity (ytd only) | -45.6169% | 6,665 |
| Net charge-offs to loans | 0.9590% | 357 |
| Credit loss provision to net charge-offs | 15.5963% | 2,551 |
| Earnings coverage of net charge-offs (x) | -3.0367% | 3,556 |
| Efficiency ratio | 141.8458% | 84 |
| Assets per employee ($millions) | 2.8817% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2094% | 160 |
| Loan loss allowance to noncurrent loans | 36.5119% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 9.9321% | 115 |
| Noncurrent loans to loans | 11.5288% | 72 |
| Net loans and leases to total assets | 64.5474% | 2,804 |
| Net loans and leases to deposits | 67.7595% | 3,880 |
| Net loans and leases to core deposits | 72.7127% | 3,791 |
| Total domestic deposits to total assets | 95.2595% | 31 |
| Equity capital to assets | 4.3693% | 6,663 |
| Core capital (leverage) ratio | 4.5107% | 6,660 |
| Tier 1 risk-based capital ratio | 6.5192% | 6,667 |
| Total risk-based capital ratio | 7.8040% | 6,667 |
| Memoranda: | ||
| Average total assets | $66,741,500 | 5,541 |
| Average earning assets | $61,605,000 | 5,519 |
| Average equity | $3,051,500 | 6,436 |
| Average total loans | $45,466,000 | 5,100 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6646% | 1,672 |
| Cost of funding earning assets | 0.5776% | 2,857 |
| Net interest margin | 4.0870% | 1,683 |
| Noninterest income to average assets | 0.9373% | 1,555 |
| Noninterest expense to average assets | 5.0694% | 333 |
| Loan and lease loss provision to assets | 1.1213% | 151 |
| Net operating income to assets | -1.6048% | 6,684 |
| Return on assets (ROA) | -1.6048% | 6,679 |
| Pretax return on assets | -1.6048% | 6,672 |
| Return on Equity (ROE) | -37.8188% | 6,753 |
| Retained earnings to average equity (ytd only) | -37.8188% | 6,750 |
| Net charge-offs to loans | 1.7284% | 245 |
| Credit loss provision to net charge-offs | 99.7611% | 2,487 |
| Earnings coverage of net charge-offs (x) | -0.4301% | 5,185 |
| Efficiency ratio | 110.5417% | 261 |
| Assets per employee ($millions) | 2.6881% | 6,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2619% | 166 |
| Loan loss allowance to noncurrent loans | 51.7993% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 9.3448% | 143 |
| Noncurrent loans to loans | 8.2278% | 182 |
| Net loans and leases to total assets | 65.9167% | 2,701 |
| Net loans and leases to deposits | 69.5864% | 3,834 |
| Net loans and leases to core deposits | 74.6260% | 3,773 |
| Total domestic deposits to total assets | 94.7264% | 54 |
| Equity capital to assets | 4.7721% | 6,703 |
| Core capital (leverage) ratio | 4.9358% | 6,719 |
| Tier 1 risk-based capital ratio | 6.9586% | 6,732 |
| Total risk-based capital ratio | 8.2434% | 6,731 |
| Memoranda: | ||
| Average total assets | $74,465,800 | 5,367 |
| Average earning assets | $66,479,400 | 5,392 |
| Average equity | $3,159,800 | 6,506 |
| Average total loans | $48,427,400 | 5,015 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 923 |
| Cost of funding earning assets | 0.5878% | 2,922 |
| Net interest margin | 4.4233% | 851 |
| Noninterest income to average assets | 1.2253% | 982 |
| Noninterest expense to average assets | 4.6930% | 445 |
| Loan and lease loss provision to assets | 0.5488% | 475 |
| Net operating income to assets | -0.0839% | 6,368 |
| Return on assets (ROA) | -0.0839% | 6,408 |
| Pretax return on assets | -0.0839% | 6,386 |
| Return on Equity (ROE) | -2.0330% | 6,486 |
| Retained earnings to average equity (ytd only) | -2.0330% | 6,272 |
| Net charge-offs to loans | 0.5800% | 1,084 |
| Credit loss provision to net charge-offs | 147.4178% | 1,597 |
| Earnings coverage of net charge-offs (x) | 1.2488% | 4,424 |
| Efficiency ratio | 90.9861% | 920 |
| Assets per employee ($millions) | 2.3204% | 6,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4287% | 174 |
| Loan loss allowance to noncurrent loans | 52.0703% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 9.7884% | 141 |
| Noncurrent loans to loans | 8.5051% | 203 |
| Net loans and leases to total assets | 64.3256% | 2,945 |
| Net loans and leases to deposits | 68.2180% | 4,036 |
| Net loans and leases to core deposits | 72.0568% | 4,083 |
| Total domestic deposits to total assets | 94.2942% | 59 |
| Equity capital to assets | 4.7405% | 6,790 |
| Core capital (leverage) ratio | 4.8982% | 6,789 |
| Tier 1 risk-based capital ratio | 7.0563% | 6,801 |
| Total risk-based capital ratio | 8.3427% | 6,800 |
| Memoranda: | ||
| Average total assets | $76,281,500 | 5,373 |
| Average earning assets | $67,821,750 | 5,410 |
| Average equity | $3,148,000 | 6,582 |
| Average total loans | $48,966,750 | 5,046 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 963 |
| Cost of funding earning assets | 0.6067% | 2,877 |
| Net interest margin | 4.3592% | 923 |
| Noninterest income to average assets | 1.1770% | 1,094 |
| Noninterest expense to average assets | 4.4584% | 548 |
| Loan and lease loss provision to assets | 0.7006% | 334 |
| Net operating income to assets | -0.1197% | 6,423 |
| Return on assets (ROA) | -0.1197% | 6,468 |
| Pretax return on assets | -0.1197% | 6,440 |
| Return on Equity (ROE) | -3.0349% | 6,580 |
| Retained earnings to average equity (ytd only) | -3.0349% | 6,315 |
| Net charge-offs to loans | 0.8214% | 768 |
| Credit loss provision to net charge-offs | 134.8039% | 1,680 |
| Earnings coverage of net charge-offs (x) | 1.1176% | 4,162 |
| Efficiency ratio | 88.4732% | 1,176 |
| Assets per employee ($millions) | 2.4866% | 6,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2412% | 212 |
| Loan loss allowance to noncurrent loans | 33.9081% | 5,883 |
| Noncurrent assets plus other real estate owned to assets | 11.8112% | 107 |
| Noncurrent loans to loans | 12.5078% | 84 |
| Net loans and leases to total assets | 61.8949% | 3,308 |
| Net loans and leases to deposits | 65.0636% | 4,367 |
| Net loans and leases to core deposits | 69.7277% | 4,298 |
| Total domestic deposits to total assets | 95.1300% | 39 |
| Equity capital to assets | 4.3513% | 6,856 |
| Core capital (leverage) ratio | 4.5099% | 6,849 |
| Tier 1 risk-based capital ratio | 6.9961% | 6,846 |
| Total risk-based capital ratio | 8.2796% | 6,844 |
| Memoranda: | ||
| Average total assets | $78,504,330 | 5,358 |
| Average earning assets | $69,554,670 | 5,407 |
| Average equity | $3,097,330 | 6,636 |
| Average total loans | $49,671,000 | 5,038 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2734% | 3,013 |
| Cost of funding earning assets | 0.6345% | 2,795 |
| Net interest margin | 3.6388% | 3,113 |
| Noninterest income to average assets | 1.2131% | 1,034 |
| Noninterest expense to average assets | 4.2955% | 632 |
| Loan and lease loss provision to assets | 0.7457% | 311 |
| Net operating income to assets | -0.6065% | 6,714 |
| Return on assets (ROA) | -0.6065% | 6,730 |
| Pretax return on assets | -0.6065% | 6,703 |
| Return on Equity (ROE) | -16.1429% | 6,874 |
| Retained earnings to average equity (ytd only) | -16.1429% | 6,774 |
| Net charge-offs to loans | 1.1112% | 541 |
| Credit loss provision to net charge-offs | 107.1429% | 1,726 |
| Earnings coverage of net charge-offs (x) | 0.2000% | 3,750 |
| Efficiency ratio | 96.8610% | 687 |
| Assets per employee ($millions) | 2.5246% | 6,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9619% | 298 |
| Loan loss allowance to noncurrent loans | 24.2840% | 6,219 |
| Noncurrent assets plus other real estate owned to assets | 13.6657% | 98 |
| Noncurrent loans to loans | 16.3149% | 52 |
| Net loans and leases to total assets | 59.5314% | 3,512 |
| Net loans and leases to deposits | 62.4284% | 4,485 |
| Net loans and leases to core deposits | 67.2771% | 4,377 |
| Total domestic deposits to total assets | 95.3593% | 40 |
| Equity capital to assets | 4.2408% | 6,929 |
| Core capital (leverage) ratio | 4.2490% | 6,920 |
| Tier 1 risk-based capital ratio | 6.5700% | 6,913 |
| Total risk-based capital ratio | 7.8510% | 6,914 |
| Memoranda: | ||
| Average total assets | $80,457,000 | 5,351 |
| Average earning assets | $71,232,000 | 5,404 |
| Average equity | $3,023,000 | 6,719 |
| Average total loans | $50,397,500 | 5,042 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8451% | 2,038 |
| Cost of funding earning assets | 0.7636% | 2,978 |
| Net interest margin | 4.0816% | 2,078 |
| Noninterest income to average assets | 1.4107% | 781 |
| Noninterest expense to average assets | 5.2938% | 310 |
| Loan and lease loss provision to assets | 1.0013% | 422 |
| Net operating income to assets | -1.2754% | 6,814 |
| Return on assets (ROA) | -1.2754% | 6,826 |
| Pretax return on assets | -1.2754% | 6,795 |
| Return on Equity (ROE) | -36.6158% | 6,981 |
| Retained earnings to average equity (ytd only) | -36.6158% | 6,970 |
| Net charge-offs to loans | 2.1536% | 321 |
| Credit loss provision to net charge-offs | 72.8471% | 4,075 |
| Earnings coverage of net charge-offs (x) | -0.1995% | 5,572 |
| Efficiency ratio | 105.4620% | 418 |
| Assets per employee ($millions) | 2.5040% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8921% | 309 |
| Loan loss allowance to noncurrent loans | 32.3500% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 11.8436% | 148 |
| Noncurrent loans to loans | 12.0312% | 152 |
| Net loans and leases to total assets | 60.8327% | 3,448 |
| Net loans and leases to deposits | 63.1448% | 4,644 |
| Net loans and leases to core deposits | 67.5649% | 4,582 |
| Total domestic deposits to total assets | 96.3384% | 21 |
| Equity capital to assets | 3.2698% | 7,030 |
| Core capital (leverage) ratio | 3.1867% | 7,025 |
| Tier 1 risk-based capital ratio | 4.9068% | 7,020 |
| Total risk-based capital ratio | 6.1873% | 7,021 |
| Memoranda: | ||
| Average total assets | $82,794,600 | 5,279 |
| Average earning assets | $73,207,400 | 5,336 |
| Average equity | $2,884,000 | 6,810 |
| Average total loans | $52,840,800 | 4,988 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 2,075 |
| Cost of funding earning assets | 0.7847% | 3,080 |
| Net interest margin | 4.0985% | 2,096 |
| Noninterest income to average assets | 1.4793% | 685 |
| Noninterest expense to average assets | 4.8165% | 417 |
| Loan and lease loss provision to assets | 0.9234% | 471 |
| Net operating income to assets | -0.6310% | 6,748 |
| Return on assets (ROA) | -0.6310% | 6,774 |
| Pretax return on assets | -0.6310% | 6,751 |
| Return on Equity (ROE) | -17.8525% | 6,964 |
| Retained earnings to average equity (ytd only) | -17.8525% | 6,944 |
| Net charge-offs to loans | 1.8711% | 411 |
| Credit loss provision to net charge-offs | 77.1696% | 3,700 |
| Earnings coverage of net charge-offs (x) | 0.2443% | 5,206 |
| Efficiency ratio | 94.2777% | 758 |
| Assets per employee ($millions) | 2.5731% | 6,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0734% | 287 |
| Loan loss allowance to noncurrent loans | 33.5504% | 5,958 |
| Noncurrent assets plus other real estate owned to assets | 12.2032% | 159 |
| Noncurrent loans to loans | 12.1410% | 165 |
| Net loans and leases to total assets | 60.4052% | 3,694 |
| Net loans and leases to deposits | 62.7818% | 4,878 |
| Net loans and leases to core deposits | 67.0527% | 4,836 |
| Total domestic deposits to total assets | 96.2144% | 26 |
| Equity capital to assets | 3.4091% | 7,122 |
| Core capital (leverage) ratio | 3.3876% | 7,112 |
| Tier 1 risk-based capital ratio | 5.0557% | 7,113 |
| Total risk-based capital ratio | 6.3384% | 7,113 |
| Memoranda: | ||
| Average total assets | $83,461,250 | 5,312 |
| Average earning assets | $73,911,500 | 5,374 |
| Average equity | $2,950,000 | 6,886 |
| Average total loans | $53,371,500 | 5,017 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7963% | 2,526 |
| Cost of funding earning assets | 0.8218% | 3,014 |
| Net interest margin | 3.9745% | 2,613 |
| Noninterest income to average assets | 1.5101% | 640 |
| Noninterest expense to average assets | 5.0289% | 372 |
| Loan and lease loss provision to assets | 0.7753% | 661 |
| Net operating income to assets | -0.7634% | 6,842 |
| Return on assets (ROA) | -0.7634% | 6,868 |
| Pretax return on assets | -0.7634% | 6,833 |
| Return on Equity (ROE) | -21.3499% | 7,048 |
| Retained earnings to average equity (ytd only) | -21.3499% | 7,024 |
| Net charge-offs to loans | 1.2658% | 850 |
| Credit loss provision to net charge-offs | 95.3079% | 2,893 |
| Earnings coverage of net charge-offs (x) | 0.0147% | 5,074 |
| Efficiency ratio | 99.7634% | 570 |
| Assets per employee ($millions) | 2.5507% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2903% | 277 |
| Loan loss allowance to noncurrent loans | 35.4995% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 12.4795% | 160 |
| Noncurrent loans to loans | 12.0855% | 168 |
| Net loans and leases to total assets | 61.9600% | 3,448 |
| Net loans and leases to deposits | 64.4472% | 4,700 |
| Net loans and leases to core deposits | 68.1770% | 4,765 |
| Total domestic deposits to total assets | 96.1407% | 30 |
| Equity capital to assets | 3.4844% | 7,163 |
| Core capital (leverage) ratio | 3.4196% | 7,156 |
| Tier 1 risk-based capital ratio | 5.3865% | 7,149 |
| Total risk-based capital ratio | 6.6749% | 7,148 |
| Memoranda: | ||
| Average total assets | $83,835,330 | 5,329 |
| Average earning assets | $74,474,670 | 5,381 |
| Average equity | $2,997,670 | 6,912 |
| Average total loans | $53,879,000 | 5,035 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8643% | 2,376 |
| Cost of funding earning assets | 0.8600% | 2,995 |
| Net interest margin | 4.0044% | 2,485 |
| Noninterest income to average assets | 1.3939% | 743 |
| Noninterest expense to average assets | 4.9069% | 396 |
| Loan and lease loss provision to assets | 0.9701% | 437 |
| Net operating income to assets | -0.9089% | 6,983 |
| Return on assets (ROA) | -0.9089% | 6,997 |
| Pretax return on assets | -0.9089% | 6,955 |
| Return on Equity (ROE) | -25.1098% | 7,146 |
| Retained earnings to average equity (ytd only) | -25.1098% | 7,102 |
| Net charge-offs to loans | 0.0588% | 3,916 |
| Credit loss provision to net charge-offs | 2,575.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 1.6250% | 3,509 |
| Efficiency ratio | 98.7678% | 599 |
| Assets per employee ($millions) | 2.3428% | 6,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5885% | 238 |
| Loan loss allowance to noncurrent loans | 39.4749% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 12.0287% | 205 |
| Noncurrent loans to loans | 11.6238% | 219 |
| Net loans and leases to total assets | 59.5139% | 3,775 |
| Net loans and leases to deposits | 61.9041% | 4,933 |
| Net loans and leases to core deposits | 66.9883% | 4,800 |
| Total domestic deposits to total assets | 96.1388% | 35 |
| Equity capital to assets | 3.4355% | 7,216 |
| Core capital (leverage) ratio | 3.4418% | 7,212 |
| Tier 1 risk-based capital ratio | 5.4475% | 7,191 |
| Total risk-based capital ratio | 6.7388% | 7,191 |
| Memoranda: | ||
| Average total assets | $84,942,000 | 5,342 |
| Average earning assets | $75,817,000 | 5,371 |
| Average equity | $3,074,500 | 6,943 |
| Average total loans | $54,398,500 | 5,048 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8718% | 553 |
| Cost of funding earning assets | 1.1960% | 2,061 |
| Net interest margin | 4.6758% | 789 |
| Noninterest income to average assets | 1.7663% | 458 |
| Noninterest expense to average assets | 5.8959% | 222 |
| Loan and lease loss provision to assets | 1.9344% | 321 |
| Net operating income to assets | -2.1581% | 7,051 |
| Return on assets (ROA) | -2.1581% | 7,065 |
| Pretax return on assets | -2.1643% | 7,059 |
| Return on Equity (ROE) | -41.5220% | 7,170 |
| Retained earnings to average equity (ytd only) | -41.5220% | 7,167 |
| Net charge-offs to loans | 2.5699% | 440 |
| Credit loss provision to net charge-offs | 104.5424% | 3,280 |
| Earnings coverage of net charge-offs (x) | -0.1242% | 5,907 |
| Efficiency ratio | 104.0576% | 567 |
| Assets per employee ($millions) | 2.2486% | 7,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1716% | 334 |
| Loan loss allowance to noncurrent loans | 41.6682% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 11.6370% | 234 |
| Noncurrent loans to loans | 10.0115% | 318 |
| Net loans and leases to total assets | 63.0337% | 3,395 |
| Net loans and leases to deposits | 65.8464% | 4,755 |
| Net loans and leases to core deposits | 71.7536% | 4,560 |
| Total domestic deposits to total assets | 95.7284% | 42 |
| Equity capital to assets | 3.8113% | 7,233 |
| Core capital (leverage) ratio | 3.8046% | 7,226 |
| Tier 1 risk-based capital ratio | 5.6613% | 7,216 |
| Total risk-based capital ratio | 6.9464% | 7,215 |
| Memoranda: | ||
| Average total assets | $80,903,000 | 5,434 |
| Average earning assets | $67,475,400 | 5,632 |
| Average equity | $4,205,000 | 6,701 |
| Average total loans | $58,252,000 | 4,935 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0898% | 397 |
| Cost of funding earning assets | 1.2755% | 1,841 |
| Net interest margin | 4.8144% | 608 |
| Noninterest income to average assets | 1.5835% | 526 |
| Noninterest expense to average assets | 5.7761% | 224 |
| Loan and lease loss provision to assets | 1.3527% | 546 |
| Net operating income to assets | -1.5967% | 7,062 |
| Return on assets (ROA) | -1.5967% | 7,074 |
| Pretax return on assets | -1.5984% | 7,039 |
| Return on Equity (ROE) | -28.7360% | 7,189 |
| Retained earnings to average equity (ytd only) | -28.7360% | 7,180 |
| Net charge-offs to loans | 2.3494% | 487 |
| Credit loss provision to net charge-offs | 78.2150% | 4,200 |
| Earnings coverage of net charge-offs (x) | -0.1420% | 5,690 |
| Efficiency ratio | 104.4418% | 540 |
| Assets per employee ($millions) | 2.3395% | 7,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5325% | 551 |
| Loan loss allowance to noncurrent loans | 36.4236% | 5,870 |
| Noncurrent assets plus other real estate owned to assets | 11.9271% | 234 |
| Noncurrent loans to loans | 9.6983% | 368 |
| Net loans and leases to total assets | 66.3035% | 2,824 |
| Net loans and leases to deposits | 70.1059% | 4,285 |
| Net loans and leases to core deposits | 77.7716% | 3,940 |
| Total domestic deposits to total assets | 94.5763% | 64 |
| Equity capital to assets | 4.8229% | 7,273 |
| Core capital (leverage) ratio | 4.7700% | 7,256 |
| Tier 1 risk-based capital ratio | 6.9776% | 7,246 |
| Total risk-based capital ratio | 8.2256% | 7,245 |
| Memoranda: | ||
| Average total assets | $80,328,750 | 5,496 |
| Average earning assets | $65,856,750 | 5,719 |
| Average equity | $4,463,500 | 6,657 |
| Average total loans | $59,133,250 | 4,938 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5114% | 201 |
| Cost of funding earning assets | 1.3632% | 1,584 |
| Net interest margin | 5.1482% | 308 |
| Noninterest income to average assets | 1.5512% | 531 |
| Noninterest expense to average assets | 5.9941% | 195 |
| Loan and lease loss provision to assets | 1.1652% | 683 |
| Net operating income to assets | -1.5086% | 7,097 |
| Return on assets (ROA) | -1.5086% | 7,112 |
| Pretax return on assets | -1.5010% | 7,074 |
| Return on Equity (ROE) | -25.9763% | 7,205 |
| Retained earnings to average equity (ytd only) | -25.9763% | 7,196 |
| Net charge-offs to loans | 2.5963% | 435 |
| Credit loss provision to net charge-offs | 59.6154% | 4,349 |
| Earnings coverage of net charge-offs (x) | -0.1718% | 5,389 |
| Efficiency ratio | 105.9345% | 561 |
| Assets per employee ($millions) | 2.4763% | 6,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2831% | 714 |
| Loan loss allowance to noncurrent loans | 32.7079% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 11.5812% | 280 |
| Noncurrent loans to loans | 10.0375% | 382 |
| Net loans and leases to total assets | 68.4945% | 2,518 |
| Net loans and leases to deposits | 72.7574% | 3,986 |
| Net loans and leases to core deposits | 82.7734% | 3,392 |
| Total domestic deposits to total assets | 94.1409% | 75 |
| Equity capital to assets | 5.2681% | 7,308 |
| Core capital (leverage) ratio | 5.4226% | 7,262 |
| Tier 1 risk-based capital ratio | 7.3627% | 7,289 |
| Total risk-based capital ratio | 8.6043% | 7,294 |
| Memoranda: | ||
| Average total assets | $79,811,330 | 5,555 |
| Average earning assets | $63,673,000 | 5,836 |
| Average equity | $4,635,000 | 6,642 |
| Average total loans | $60,085,000 | 4,952 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2187% | 326 |
| Cost of funding earning assets | 1.3936% | 1,640 |
| Net interest margin | 4.8251% | 544 |
| Noninterest income to average assets | 1.4913% | 581 |
| Noninterest expense to average assets | 5.8536% | 207 |
| Loan and lease loss provision to assets | 0.3804% | 2,281 |
| Net operating income to assets | -0.7913% | 6,957 |
| Return on assets (ROA) | -0.7913% | 6,965 |
| Pretax return on assets | -0.7913% | 6,917 |
| Return on Equity (ROE) | -13.0000% | 7,100 |
| Retained earnings to average equity (ytd only) | -13.0000% | 6,974 |
| Net charge-offs to loans | 0.8563% | 1,541 |
| Credit loss provision to net charge-offs | 57.2519% | 3,595 |
| Earnings coverage of net charge-offs (x) | -0.6183% | 4,830 |
| Efficiency ratio | 107.5489% | 547 |
| Assets per employee ($millions) | 2.0946% | 7,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6041% | 559 |
| Loan loss allowance to noncurrent loans | 30.4213% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 12.9134% | 218 |
| Noncurrent loans to loans | 11.8473% | 286 |
| Net loans and leases to total assets | 74.5087% | 1,269 |
| Net loans and leases to deposits | 79.9073% | 2,736 |
| Net loans and leases to core deposits | 92.3595% | 2,084 |
| Total domestic deposits to total assets | 93.2440% | 117 |
| Equity capital to assets | 6.0928% | 7,273 |
| Core capital (leverage) ratio | 5.9393% | 7,263 |
| Tier 1 risk-based capital ratio | 8.0215% | 7,290 |
| Total risk-based capital ratio | 9.2896% | 7,292 |
| Memoranda: | ||
| Average total assets | $78,857,500 | 5,621 |
| Average earning assets | $64,579,500 | 5,839 |
| Average equity | $4,800,000 | 6,619 |
| Average total loans | $61,191,000 | 4,950 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9145% | 159 |
| Cost of funding earning assets | 1.7583% | 1,348 |
| Net interest margin | 5.1561% | 314 |
| Noninterest income to average assets | 2.5242% | 281 |
| Noninterest expense to average assets | 6.1239% | 217 |
| Loan and lease loss provision to assets | 1.7421% | 807 |
| Net operating income to assets | -1.6520% | 6,957 |
| Return on assets (ROA) | -1.6520% | 6,980 |
| Pretax return on assets | -1.1818% | 6,733 |
| Return on Equity (ROE) | -24.4520% | 7,122 |
| Retained earnings to average equity (ytd only) | -24.4520% | 7,101 |
| Net charge-offs to loans | 1.5153% | 1,451 |
| Credit loss provision to net charge-offs | 152.0161% | 2,365 |
| Earnings coverage of net charge-offs (x) | 0.4889% | 5,625 |
| Efficiency ratio | 82.5441% | 2,100 |
| Assets per employee ($millions) | 2.1109% | 7,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5452% | 581 |
| Loan loss allowance to noncurrent loans | 37.2019% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 10.0868% | 402 |
| Noncurrent loans to loans | 9.5298% | 459 |
| Net loans and leases to total assets | 75.1278% | 1,452 |
| Net loans and leases to deposits | 80.5924% | 3,061 |
| Net loans and leases to core deposits | 92.2864% | 2,468 |
| Total domestic deposits to total assets | 93.2194% | 128 |
| Equity capital to assets | 6.0812% | 7,331 |
| Core capital (leverage) ratio | 6.0409% | 7,291 |
| Tier 1 risk-based capital ratio | 8.0289% | 7,347 |
| Total risk-based capital ratio | 9.3144% | 7,350 |
| Memoranda: | ||
| Average total assets | $86,562,200 | 5,392 |
| Average earning assets | $69,839,200 | 5,677 |
| Average equity | $5,848,200 | 6,413 |
| Average total loans | $65,464,000 | 4,848 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8115% | 199 |
| Cost of funding earning assets | 1.8521% | 1,206 |
| Net interest margin | 4.9595% | 477 |
| Noninterest income to average assets | 2.1024% | 352 |
| Noninterest expense to average assets | 5.2153% | 320 |
| Loan and lease loss provision to assets | 0.9000% | 1,690 |
| Net operating income to assets | -0.0182% | 6,026 |
| Return on assets (ROA) | -0.0182% | 6,153 |
| Pretax return on assets | -0.0272% | 6,132 |
| Return on Equity (ROE) | -0.2627% | 6,179 |
| Retained earnings to average equity (ytd only) | -0.2627% | 5,849 |
| Net charge-offs to loans | 1.0089% | 1,994 |
| Credit loss provision to net charge-offs | 118.7625% | 3,489 |
| Earnings coverage of net charge-offs (x) | 1.1517% | 4,911 |
| Efficiency ratio | 85.3416% | 1,699 |
| Assets per employee ($millions) | 2.3713% | 7,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7936% | 1,008 |
| Loan loss allowance to noncurrent loans | 26.3212% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 10.2607% | 387 |
| Noncurrent loans to loans | 10.6136% | 373 |
| Net loans and leases to total assets | 75.1711% | 1,557 |
| Net loans and leases to deposits | 81.4499% | 3,192 |
| Net loans and leases to core deposits | 88.5478% | 3,305 |
| Total domestic deposits to total assets | 92.2912% | 150 |
| Equity capital to assets | 7.2076% | 7,260 |
| Core capital (leverage) ratio | 6.2665% | 7,393 |
| Tier 1 risk-based capital ratio | 8.3657% | 7,445 |
| Total risk-based capital ratio | 9.6336% | 7,451 |
| Memoranda: | ||
| Average total assets | $88,149,250 | 5,409 |
| Average earning assets | $70,838,750 | 5,709 |
| Average equity | $6,090,750 | 6,420 |
| Average total loans | $66,210,500 | 4,891 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5821% | 295 |
| Cost of funding earning assets | 2.0236% | 845 |
| Net interest margin | 4.5586% | 1,086 |
| Noninterest income to average assets | 1.5957% | 511 |
| Noninterest expense to average assets | 5.0630% | 361 |
| Loan and lease loss provision to assets | 0.7990% | 1,811 |
| Net operating income to assets | -0.4006% | 6,569 |
| Return on assets (ROA) | -0.4006% | 6,607 |
| Pretax return on assets | -0.6165% | 6,673 |
| Return on Equity (ROE) | -5.8756% | 6,765 |
| Retained earnings to average equity (ytd only) | -5.8756% | 6,645 |
| Net charge-offs to loans | 1.3127% | 1,449 |
| Credit loss provision to net charge-offs | 81.7768% | 4,658 |
| Earnings coverage of net charge-offs (x) | 0.1868% | 5,538 |
| Efficiency ratio | 96.1392% | 957 |
| Assets per employee ($millions) | 2.7028% | 6,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4612% | 1,351 |
| Loan loss allowance to noncurrent loans | 22.4549% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 9.6077% | 439 |
| Noncurrent loans to loans | 10.9606% | 369 |
| Net loans and leases to total assets | 69.8210% | 2,946 |
| Net loans and leases to deposits | 75.1479% | 4,493 |
| Net loans and leases to core deposits | 82.6510% | 4,323 |
| Total domestic deposits to total assets | 92.9115% | 117 |
| Equity capital to assets | 6.6989% | 7,439 |
| Core capital (leverage) ratio | 6.4518% | 7,393 |
| Tier 1 risk-based capital ratio | 8.2727% | 7,503 |
| Total risk-based capital ratio | 9.5360% | 7,515 |
| Memoranda: | ||
| Average total assets | $89,867,000 | 5,395 |
| Average earning assets | $71,952,330 | 5,710 |
| Average equity | $6,127,000 | 6,429 |
| Average total loans | $66,886,670 | 4,906 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7678% | 233 |
| Cost of funding earning assets | 2.2803% | 456 |
| Net interest margin | 4.4875% | 1,174 |
| Noninterest income to average assets | 1.4496% | 570 |
| Noninterest expense to average assets | 5.0465% | 355 |
| Loan and lease loss provision to assets | 0.7203% | 1,769 |
| Net operating income to assets | -0.4727% | 6,807 |
| Return on assets (ROA) | -0.4727% | 6,838 |
| Pretax return on assets | -0.7293% | 6,912 |
| Return on Equity (ROE) | -6.8712% | 6,981 |
| Retained earnings to average equity (ytd only) | -6.8712% | 6,723 |
| Net charge-offs to loans | 0.2313% | 3,542 |
| Credit loss provision to net charge-offs | 410.2564% | 1,004 |
| Earnings coverage of net charge-offs (x) | -0.0513% | 5,063 |
| Efficiency ratio | 99.8213% | 845 |
| Assets per employee ($millions) | 2.2255% | 7,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4494% | 1,361 |
| Loan loss allowance to noncurrent loans | 24.4246% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 9.6193% | 422 |
| Noncurrent loans to loans | 10.0284% | 421 |
| Net loans and leases to total assets | 77.4672% | 1,255 |
| Net loans and leases to deposits | 84.0893% | 2,926 |
| Net loans and leases to core deposits | 96.4903% | 2,528 |
| Total domestic deposits to total assets | 92.1249% | 222 |
| Equity capital to assets | 7.3679% | 7,166 |
| Core capital (leverage) ratio | 6.2879% | 7,531 |
| Tier 1 risk-based capital ratio | 8.3265% | 7,576 |
| Total risk-based capital ratio | 9.5959% | 7,587 |
| Memoranda: | ||
| Average total assets | $88,853,000 | 5,487 |
| Average earning assets | $71,042,500 | 5,813 |
| Average equity | $6,112,500 | 6,479 |
| Average total loans | $67,439,500 | 4,950 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9894% | 288 |
| Cost of funding earning assets | 2.7013% | 592 |
| Net interest margin | 4.2880% | 1,755 |
| Noninterest income to average assets | 1.5269% | 614 |
| Noninterest expense to average assets | 5.4512% | 401 |
| Loan and lease loss provision to assets | 1.4103% | 1,626 |
| Net operating income to assets | -1.3670% | 6,798 |
| Return on assets (ROA) | -1.3670% | 6,798 |
| Pretax return on assets | -1.9255% | 6,908 |
| Return on Equity (ROE) | -18.2479% | 7,089 |
| Retained earnings to average equity (ytd only) | -18.2479% | 7,044 |
| Net charge-offs to loans | 1.1206% | 2,189 |
| Credit loss provision to net charge-offs | 167.7675% | 2,569 |
| Earnings coverage of net charge-offs (x) | -0.6129% | 6,762 |
| Efficiency ratio | 109.9213% | 798 |
| Assets per employee ($millions) | 2.1660% | 7,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5089% | 1,213 |
| Loan loss allowance to noncurrent loans | 27.5231% | 6,633 |
| Noncurrent assets plus other real estate owned to assets | 8.1311% | 542 |
| Noncurrent loans to loans | 9.1155% | 489 |
| Net loans and leases to total assets | 70.8867% | 3,035 |
| Net loans and leases to deposits | 76.2429% | 4,699 |
| Net loans and leases to core deposits | 106.0783% | 3,324 |
| Total domestic deposits to total assets | 92.9748% | 130 |
| Equity capital to assets | 6.4357% | 7,575 |
| Core capital (leverage) ratio | 5.7761% | 7,673 |
| Tier 1 risk-based capital ratio | 7.5390% | 7,698 |
| Total risk-based capital ratio | 8.8029% | 7,703 |
| Memoranda: | ||
| Average total assets | $90,053,000 | 5,389 |
| Average earning assets | $71,594,600 | 5,765 |
| Average equity | $6,746,000 | 6,352 |
| Average total loans | $67,551,200 | 4,958 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2929% | 196 |
| Cost of funding earning assets | 2.7507% | 685 |
| Net interest margin | 4.5422% | 1,090 |
| Noninterest income to average assets | 1.6039% | 572 |
| Noninterest expense to average assets | 5.0774% | 460 |
| Loan and lease loss provision to assets | 0.8482% | 2,259 |
| Net operating income to assets | -0.4629% | 6,388 |
| Return on assets (ROA) | -0.4629% | 6,392 |
| Pretax return on assets | -0.6944% | 6,481 |
| Return on Equity (ROE) | -5.9608% | 6,551 |
| Retained earnings to average equity (ytd only) | -5.9608% | 6,383 |
| Net charge-offs to loans | 0.8591% | 2,248 |
| Credit loss provision to net charge-offs | 130.5747% | 3,832 |
| Earnings coverage of net charge-offs (x) | 0.2368% | 5,780 |
| Efficiency ratio | 96.5173% | 1,246 |
| Assets per employee ($millions) | 2.2186% | 7,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9411% | 1,927 |
| Loan loss allowance to noncurrent loans | 26.1914% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 5.9760% | 906 |
| Noncurrent loans to loans | 7.4111% | 698 |
| Net loans and leases to total assets | 69.8466% | 3,558 |
| Net loans and leases to deposits | 75.7253% | 5,092 |
| Net loans and leases to core deposits | 106.6828% | 3,624 |
| Total domestic deposits to total assets | 92.2368% | 146 |
| Equity capital to assets | 7.4561% | 7,330 |
| Core capital (leverage) ratio | 6.8952% | 7,493 |
| Tier 1 risk-based capital ratio | 9.1991% | 7,539 |
| Total risk-based capital ratio | 10.4694% | 7,525 |
| Memoranda: | ||
| Average total assets | $89,282,250 | 5,446 |
| Average earning assets | $71,300,500 | 5,810 |
| Average equity | $6,934,000 | 6,341 |
| Average total loans | $67,509,000 | 5,004 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3612% | 189 |
| Cost of funding earning assets | 2.7234% | 981 |
| Net interest margin | 4.6377% | 891 |
| Noninterest income to average assets | 1.5084% | 651 |
| Noninterest expense to average assets | 5.1488% | 466 |
| Loan and lease loss provision to assets | 0.6854% | 2,374 |
| Net operating income to assets | -0.3576% | 6,406 |
| Return on assets (ROA) | -0.3576% | 6,413 |
| Pretax return on assets | -0.5548% | 6,480 |
| Return on Equity (ROE) | -4.5386% | 6,558 |
| Retained earnings to average equity (ytd only) | -4.5386% | 6,230 |
| Net charge-offs to loans | 0.7749% | 2,130 |
| Credit loss provision to net charge-offs | 114.5594% | 4,040 |
| Earnings coverage of net charge-offs (x) | 0.2184% | 5,453 |
| Efficiency ratio | 97.1342% | 1,308 |
| Assets per employee ($millions) | 2.1847% | 7,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 2,013 |
| Loan loss allowance to noncurrent loans | 21.2058% | 7,063 |
| Noncurrent assets plus other real estate owned to assets | 6.9765% | 608 |
| Noncurrent loans to loans | 8.5444% | 482 |
| Net loans and leases to total assets | 70.6048% | 3,548 |
| Net loans and leases to deposits | 76.3789% | 5,110 |
| Net loans and leases to core deposits | 106.0958% | 3,835 |
| Total domestic deposits to total assets | 92.4402% | 151 |
| Equity capital to assets | 7.2032% | 7,478 |
| Core capital (leverage) ratio | 7.0034% | 7,536 |
| Tier 1 risk-based capital ratio | 9.0107% | 7,692 |
| Total risk-based capital ratio | 10.2800% | 7,694 |
| Memoranda: | ||
| Average total assets | $87,243,330 | 5,548 |
| Average earning assets | $70,939,670 | 5,857 |
| Average equity | $6,874,330 | 6,413 |
| Average total loans | $67,361,330 | 5,057 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4767% | 169 |
| Cost of funding earning assets | 2.8180% | 937 |
| Net interest margin | 4.6587% | 849 |
| Noninterest income to average assets | 1.5162% | 612 |
| Noninterest expense to average assets | 5.2972% | 401 |
| Loan and lease loss provision to assets | 0.3767% | 3,064 |
| Net operating income to assets | -0.1812% | 6,527 |
| Return on assets (ROA) | -0.1812% | 6,615 |
| Pretax return on assets | -0.2479% | 6,621 |
| Return on Equity (ROE) | -2.1940% | 6,684 |
| Retained earnings to average equity (ytd only) | -2.1940% | 6,139 |
| Net charge-offs to loans | 0.6482% | 1,886 |
| Credit loss provision to net charge-offs | 72.4771% | 4,311 |
| Earnings coverage of net charge-offs (x) | 0.2477% | 4,779 |
| Efficiency ratio | 97.2759% | 1,256 |
| Assets per employee ($millions) | 1.8420% | 7,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7053% | 2,131 |
| Loan loss allowance to noncurrent loans | 25.5804% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 6.0031% | 661 |
| Noncurrent loans to loans | 6.6664% | 635 |
| Net loans and leases to total assets | 77.0353% | 2,032 |
| Net loans and leases to deposits | 84.1633% | 3,957 |
| Net loans and leases to core deposits | 122.4497% | 2,218 |
| Total domestic deposits to total assets | 91.5307% | 268 |
| Equity capital to assets | 8.0095% | 6,793 |
| Core capital (leverage) ratio | 7.7378% | 6,841 |
| Tier 1 risk-based capital ratio | 8.6360% | 7,918 |
| Total risk-based capital ratio | 9.9023% | 7,969 |
| Memoranda: | ||
| Average total assets | $83,893,000 | 5,673 |
| Average earning assets | $70,405,500 | 5,896 |
| Average equity | $6,928,000 | 6,440 |
| Average total loans | $67,265,500 | 5,084 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6521% | 307 |
| Cost of funding earning assets | 3.2924% | 948 |
| Net interest margin | 4.3597% | 1,793 |
| Noninterest income to average assets | 1.6111% | 534 |
| Noninterest expense to average assets | 5.7699% | 448 |
| Loan and lease loss provision to assets | 0.7552% | 1,977 |
| Net operating income to assets | -0.6910% | 7,061 |
| Return on assets (ROA) | -0.6910% | 6,966 |
| Pretax return on assets | -1.0372% | 7,018 |
| Return on Equity (ROE) | -7.4097% | 7,083 |
| Retained earnings to average equity (ytd only) | -10.2035% | 7,087 |
| Net charge-offs to loans | 0.2403% | 3,852 |
| Credit loss provision to net charge-offs | 397.3510% | 1,108 |
| Earnings coverage of net charge-offs (x) | -1.4834% | 6,660 |
| Efficiency ratio | 104.7248% | 847 |
| Assets per employee ($millions) | 1.7280% | 8,080 |
| Cash dividends to net income (ytd only)* | -37.7049% | 8,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 1,680 |
| Loan loss allowance to noncurrent loans | 27.5558% | 6,858 |
| Noncurrent assets plus other real estate owned to assets | 5.8721% | 521 |
| Noncurrent loans to loans | 6.4544% | 496 |
| Net loans and leases to total assets | 80.6474% | 1,516 |
| Net loans and leases to deposits | 88.8770% | 3,654 |
| Net loans and leases to core deposits | 129.1752% | 1,913 |
| Total domestic deposits to total assets | 90.7405% | 410 |
| Equity capital to assets | 8.5232% | 6,050 |
| Core capital (leverage) ratio | 8.1040% | 6,317 |
| Tier 1 risk-based capital ratio | 9.0758% | 7,738 |
| Total risk-based capital ratio | 10.3248% | 7,703 |
| Memoranda: | ||
| Average total assets | $79,447,000 | 5,722 |
| Average earning assets | $70,647,400 | 5,794 |
| Average equity | $7,409,200 | 6,311 |
| Average total loans | $62,837,800 | 5,147 |