Home > Pacific West Bank > Performance and Condition Ratios
Pacific West Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1411% | 1,769 |
| Cost of funding earning assets | 1.8067% | 1,238 |
| Net interest margin | 3.3343% | 2,550 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 3.2213% | 810 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | -0.0771% | 4,422 |
| Return on assets (ROA) | -0.0771% | 4,405 |
| Pretax return on assets | -0.0661% | 4,391 |
| Return on Equity (ROE) | -0.6900% | 4,377 |
| Retained earnings to average equity (ytd only) | -0.9814% | 4,182 |
| Net charge-offs to loans | 0.0621% | 1,231 |
| Credit loss provision to net charge-offs | 436.9565% | 732 |
| Earnings coverage of net charge-offs (x) | 2.4348% | 2,693 |
| Efficiency ratio | 96.6514% | 241 |
| Assets per employee ($millions) | 8.0058% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3112% | 1,715 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 76.5500% | 1,040 |
| Net loans and leases to deposits | 103.1929% | 401 |
| Net loans and leases to core deposits | 121.8596% | 573 |
| Total domestic deposits to total assets | 74.1800% | 4,097 |
| Equity capital to assets | 10.6051% | 1,673 |
| Core capital (leverage) ratio | 11.4482% | 1,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $301,060,800 | 2,424 |
| Average earning assets | $282,275,200 | 2,402 |
| Average equity | $33,828,200 | 2,101 |
| Average total loans | $222,295,600 | 2,149 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0257% | 1,781 |
| Cost of funding earning assets | 1.6165% | 1,338 |
| Net interest margin | 3.4092% | 2,430 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 3.2384% | 779 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | -0.0374% | 4,449 |
| Return on assets (ROA) | -0.0374% | 4,432 |
| Pretax return on assets | -0.0446% | 4,422 |
| Return on Equity (ROE) | -0.3300% | 4,399 |
| Retained earnings to average equity (ytd only) | -0.7220% | 4,231 |
| Net charge-offs to loans | 0.0853% | 878 |
| Credit loss provision to net charge-offs | 350.7246% | 792 |
| Earnings coverage of net charge-offs (x) | 2.6522% | 2,471 |
| Efficiency ratio | 95.1600% | 245 |
| Assets per employee ($millions) | 7.7292% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3487% | 1,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 74.2400% | 1,313 |
| Net loans and leases to deposits | 98.2359% | 604 |
| Net loans and leases to core deposits | 113.8394% | 734 |
| Total domestic deposits to total assets | 75.5800% | 4,053 |
| Equity capital to assets | 10.7376% | 1,459 |
| Core capital (leverage) ratio | 11.8329% | 1,514 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $296,268,000 | 2,444 |
| Average earning assets | $277,794,250 | 2,431 |
| Average equity | $33,795,000 | 2,095 |
| Average total loans | $215,769,000 | 2,189 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 1,660 |
| Cost of funding earning assets | 1.3615% | 1,551 |
| Net interest margin | 3.5857% | 2,072 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 3.2647% | 725 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.0829% | 4,372 |
| Return on assets (ROA) | 0.0829% | 4,408 |
| Pretax return on assets | 0.1212% | 4,383 |
| Return on Equity (ROE) | 0.7100% | 4,390 |
| Retained earnings to average equity (ytd only) | 0.1236% | 4,047 |
| Net charge-offs to loans | 0.1313% | 564 |
| Credit loss provision to net charge-offs | 169.5652% | 1,125 |
| Earnings coverage of net charge-offs (x) | 3.0217% | 2,287 |
| Efficiency ratio | 91.9545% | 300 |
| Assets per employee ($millions) | 7.3901% | 1,675 |
| Cash dividends to net income (ytd only)* | 82.6446% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 1,820 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 72.8100% | 1,435 |
| Net loans and leases to deposits | 97.8975% | 615 |
| Net loans and leases to core deposits | 107.1655% | 943 |
| Total domestic deposits to total assets | 74.3700% | 4,168 |
| Equity capital to assets | 11.4478% | 1,215 |
| Core capital (leverage) ratio | 11.9815% | 1,381 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $291,968,667 | 2,474 |
| Average earning assets | $273,811,333 | 2,458 |
| Average equity | $33,994,333 | 2,093 |
| Average total loans | $210,133,000 | 2,222 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6999% | 1,850 |
| Cost of funding earning assets | 0.9329% | 2,265 |
| Net interest margin | 3.7670% | 1,755 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 3.1294% | 894 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.3336% | 4,197 |
| Return on assets (ROA) | 0.3336% | 4,155 |
| Pretax return on assets | 0.4673% | 4,033 |
| Return on Equity (ROE) | 2.8400% | 4,201 |
| Retained earnings to average equity (ytd only) | 1.6671% | 3,757 |
| Net charge-offs to loans | 0.2678% | 284 |
| Credit loss provision to net charge-offs | 108.6957% | 1,070 |
| Earnings coverage of net charge-offs (x) | 3.5435% | 1,881 |
| Efficiency ratio | 82.2762% | 690 |
| Assets per employee ($millions) | 7.6523% | 1,530 |
| Cash dividends to net income (ytd only)* | 41.3223% | 1,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3440% | 1,843 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.9700% | 1,732 |
| Net loans and leases to deposits | 90.2631% | 1,026 |
| Net loans and leases to core deposits | 99.9694% | 1,089 |
| Total domestic deposits to total assets | 76.4100% | 4,137 |
| Equity capital to assets | 11.4302% | 1,179 |
| Core capital (leverage) ratio | 12.8296% | 1,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $290,152,000 | 2,516 |
| Average earning assets | $272,684,000 | 2,491 |
| Average equity | $34,071,500 | 2,116 |
| Average total loans | $206,148,500 | 2,260 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5167% | 698 |
| Cost of funding earning assets | 0.3427% | 2,541 |
| Net interest margin | 4.1740% | 571 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 3.0545% | 893 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 0.6637% | 3,724 |
| Return on assets (ROA) | 0.6637% | 3,672 |
| Pretax return on assets | 0.9160% | 3,310 |
| Return on Equity (ROE) | 5.4100% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.4071% | 2,869 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.4887% | 1,168 |
| Assets per employee ($millions) | 9.3955% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,050 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 71.3400% | 1,488 |
| Net loans and leases to deposits | 83.7523% | 1,484 |
| Net loans and leases to core deposits | 88.6022% | 1,575 |
| Total domestic deposits to total assets | 85.1800% | 2,945 |
| Equity capital to assets | 12.0735% | 907 |
| Core capital (leverage) ratio | 12.5944% | 1,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $276,639,800 | 2,567 |
| Average earning assets | $260,012,800 | 2,550 |
| Average equity | $33,955,400 | 2,155 |
| Average total loans | $196,048,000 | 2,264 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3763% | 610 |
| Cost of funding earning assets | 0.2533% | 2,671 |
| Net interest margin | 4.1230% | 493 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.9815% | 929 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.6174% | 3,796 |
| Return on assets (ROA) | 0.6174% | 3,751 |
| Pretax return on assets | 0.8963% | 3,331 |
| Return on Equity (ROE) | 5.0100% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.0092% | 3,098 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.1093% | 1,263 |
| Assets per employee ($millions) | 8.8269% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 2,093 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.4500% | 1,843 |
| Net loans and leases to deposits | 77.2339% | 1,780 |
| Net loans and leases to core deposits | 80.0442% | 1,901 |
| Total domestic deposits to total assets | 86.0400% | 3,060 |
| Equity capital to assets | 11.3043% | 1,068 |
| Core capital (leverage) ratio | 11.2992% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $275,333,250 | 2,594 |
| Average earning assets | $258,994,750 | 2,579 |
| Average equity | $33,936,500 | 2,191 |
| Average total loans | $194,143,500 | 2,271 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 539 |
| Cost of funding earning assets | 0.1852% | 3,111 |
| Net interest margin | 4.0954% | 406 |
| Noninterest income to average assets | 0.1059% | 4,459 |
| Noninterest expense to average assets | 2.9524% | 908 |
| Loan and lease loss provision to assets | 0.1852% | 471 |
| Net operating income to assets | 0.5570% | 3,746 |
| Return on assets (ROA) | 0.5570% | 3,695 |
| Pretax return on assets | 0.8177% | 3,279 |
| Return on Equity (ROE) | 4.3883% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.3883% | 2,929 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6442% | 1,435 |
| Assets per employee ($millions) | 8.0749% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2961% | 2,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 68.6522% | 1,425 |
| Net loans and leases to deposits | 81.2233% | 1,296 |
| Net loans and leases to core deposits | 85.4244% | 1,379 |
| Total domestic deposits to total assets | 84.5228% | 3,585 |
| Equity capital to assets | 12.1921% | 821 |
| Core capital (leverage) ratio | 12.6228% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $270,015,000 | 2,649 |
| Average earning assets | $253,797,000 | 2,645 |
| Average equity | $34,272,667 | 2,226 |
| Average total loans | $193,494,333 | 2,277 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 510 |
| Cost of funding earning assets | 0.1796% | 3,090 |
| Net interest margin | 4.0260% | 395 |
| Noninterest income to average assets | 0.1061% | 4,473 |
| Noninterest expense to average assets | 2.9550% | 877 |
| Loan and lease loss provision to assets | 0.2241% | 314 |
| Net operating income to assets | 0.5289% | 3,628 |
| Return on assets (ROA) | 0.5289% | 3,598 |
| Pretax return on assets | 0.7111% | 3,359 |
| Return on Equity (ROE) | 4.0839% | 3,853 |
| Retained earnings to average equity (ytd only) | 4.0839% | 2,905 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9601% | 1,528 |
| Assets per employee ($millions) | 8.4131% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 2,739 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 73.4738% | 699 |
| Net loans and leases to deposits | 87.4920% | 650 |
| Net loans and leases to core deposits | 90.2329% | 915 |
| Total domestic deposits to total assets | 83.9777% | 3,774 |
| Equity capital to assets | 13.1212% | 666 |
| Core capital (leverage) ratio | 12.5861% | 882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,749,500 | 2,677 |
| Average earning assets | $251,666,500 | 2,674 |
| Average equity | $34,672,500 | 2,267 |
| Average total loans | $194,763,000 | 2,266 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 1,338 |
| Cost of funding earning assets | 0.2159% | 3,307 |
| Net interest margin | 3.7944% | 1,019 |
| Noninterest income to average assets | 0.1007% | 4,601 |
| Noninterest expense to average assets | 2.6491% | 1,752 |
| Loan and lease loss provision to assets | 0.2059% | 507 |
| Net operating income to assets | 0.5669% | 3,942 |
| Return on assets (ROA) | 0.5669% | 3,988 |
| Pretax return on assets | 0.8189% | 3,684 |
| Return on Equity (ROE) | 4.3967% | 4,128 |
| Retained earnings to average equity (ytd only) | 4.3967% | 3,055 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1056% | 1,503 |
| Assets per employee ($millions) | 8.3240% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1380% | 3,181 |
| Loan loss allowance to noncurrent loans | 12,361.1111% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,103 |
| Noncurrent loans to loans | 0.0092% | 4,034 |
| Net loans and leases to total assets | 70.3702% | 998 |
| Net loans and leases to deposits | 83.5854% | 934 |
| Net loans and leases to core deposits | 85.8399% | 1,212 |
| Total domestic deposits to total assets | 84.1896% | 3,513 |
| Equity capital to assets | 12.7866% | 966 |
| Core capital (leverage) ratio | 12.1103% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,070,400 | 2,622 |
| Average earning assets | $251,500,000 | 2,607 |
| Average equity | $34,434,800 | 2,316 |
| Average total loans | $182,673,600 | 2,366 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 1,785 |
| Cost of funding earning assets | 0.2273% | 3,353 |
| Net interest margin | 3.6667% | 1,416 |
| Noninterest income to average assets | 0.1041% | 4,655 |
| Noninterest expense to average assets | 2.5242% | 2,055 |
| Loan and lease loss provision to assets | 0.1508% | 745 |
| Net operating income to assets | 0.6562% | 3,880 |
| Return on assets (ROA) | 0.6562% | 3,933 |
| Pretax return on assets | 0.8840% | 3,729 |
| Return on Equity (ROE) | 5.0783% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.0783% | 3,190 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9240% | 1,499 |
| Assets per employee ($millions) | 8.3845% | 1,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 3,535 |
| Loan loss allowance to noncurrent loans | 8,229.1667% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,188 |
| Noncurrent loans to loans | 0.0131% | 4,107 |
| Net loans and leases to total assets | 65.4101% | 1,609 |
| Net loans and leases to deposits | 77.4294% | 1,535 |
| Net loans and leases to core deposits | 79.4753% | 1,783 |
| Total domestic deposits to total assets | 84.4771% | 3,311 |
| Equity capital to assets | 12.6319% | 1,117 |
| Core capital (leverage) ratio | 12.5481% | 968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,164,750 | 2,662 |
| Average earning assets | $249,847,750 | 2,642 |
| Average equity | $34,262,500 | 2,351 |
| Average total loans | $179,460,250 | 2,427 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6155% | 2,573 |
| Cost of funding earning assets | 0.2375% | 3,403 |
| Net interest margin | 3.3780% | 2,209 |
| Noninterest income to average assets | 0.1087% | 4,660 |
| Noninterest expense to average assets | 2.4560% | 2,290 |
| Loan and lease loss provision to assets | 0.1148% | 1,099 |
| Net operating income to assets | 0.5327% | 4,159 |
| Return on assets (ROA) | 0.5327% | 4,205 |
| Pretax return on assets | 0.7171% | 4,028 |
| Return on Equity (ROE) | 4.0901% | 4,315 |
| Retained earnings to average equity (ytd only) | 4.0901% | 3,490 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6974% | 1,184 |
| Assets per employee ($millions) | 8.8747% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9614% | 3,963 |
| Loan loss allowance to noncurrent loans | 6,759.2593% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0095% | 4,247 |
| Noncurrent loans to loans | 0.0142% | 4,167 |
| Net loans and leases to total assets | 66.2000% | 1,679 |
| Net loans and leases to deposits | 83.1069% | 1,120 |
| Net loans and leases to core deposits | 85.2756% | 1,470 |
| Total domestic deposits to total assets | 79.6564% | 4,277 |
| Equity capital to assets | 12.0933% | 1,320 |
| Core capital (leverage) ratio | 12.0344% | 1,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $261,323,667 | 2,675 |
| Average earning assets | $245,941,000 | 2,649 |
| Average equity | $34,033,000 | 2,355 |
| Average total loans | $178,294,667 | 2,446 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9124% | 1,800 |
| Cost of funding earning assets | 0.2473% | 3,500 |
| Net interest margin | 3.6651% | 1,416 |
| Noninterest income to average assets | 0.1072% | 4,651 |
| Noninterest expense to average assets | 2.4465% | 2,336 |
| Loan and lease loss provision to assets | 0.1200% | 1,146 |
| Net operating income to assets | 0.7264% | 3,647 |
| Return on assets (ROA) | 0.7264% | 3,711 |
| Pretax return on assets | 0.9792% | 3,430 |
| Return on Equity (ROE) | 5.3605% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.3605% | 3,108 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9982% | 1,813 |
| Assets per employee ($millions) | 9.9378% | 607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 4,166 |
| Loan loss allowance to noncurrent loans | 5,147.0588% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 4,300 |
| Noncurrent loans to loans | 0.0174% | 4,205 |
| Net loans and leases to total assets | 67.2358% | 1,632 |
| Net loans and leases to deposits | 83.9355% | 1,149 |
| Net loans and leases to core deposits | 86.0856% | 1,512 |
| Total domestic deposits to total assets | 80.1042% | 4,191 |
| Equity capital to assets | 11.7902% | 1,394 |
| Core capital (leverage) ratio | 13.9068% | 667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $249,990,000 | 2,726 |
| Average earning assets | $234,534,000 | 2,708 |
| Average equity | $33,877,500 | 2,357 |
| Average total loans | $172,528,500 | 2,495 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0613% | 2,543 |
| Cost of funding earning assets | 0.4431% | 3,322 |
| Net interest margin | 3.6183% | 2,080 |
| Noninterest income to average assets | 0.1083% | 4,716 |
| Noninterest expense to average assets | 3.4804% | 709 |
| Loan and lease loss provision to assets | 0.4476% | 626 |
| Net operating income to assets | -0.3573% | 4,853 |
| Return on assets (ROA) | -0.3577% | 4,869 |
| Pretax return on assets | -0.4614% | 4,869 |
| Return on Equity (ROE) | -1.8406% | 4,844 |
| Retained earnings to average equity (ytd only) | -1.8406% | 4,695 |
| Net charge-offs to loans | 0.0179% | 2,728 |
| Credit loss provision to net charge-offs | 3,531.8182% | 289 |
| Earnings coverage of net charge-offs (x) | -1.0455% | 3,351 |
| Efficiency ratio | 100.3821% | 169 |
| Assets per employee ($millions) | 7.3029% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 3,362 |
| Loan loss allowance to noncurrent loans | 3,284.3137% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 4,266 |
| Noncurrent loans to loans | 0.0341% | 4,170 |
| Net loans and leases to total assets | 69.8169% | 1,586 |
| Net loans and leases to deposits | 86.9285% | 1,180 |
| Net loans and leases to core deposits | 89.7133% | 1,550 |
| Total domestic deposits to total assets | 80.3153% | 3,996 |
| Equity capital to assets | 15.9483% | 430 |
| Core capital (leverage) ratio | 15.8626% | 402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,598,600 | 3,162 |
| Average earning assets | $161,153,800 | 3,157 |
| Average equity | $33,738,400 | 2,300 |
| Average total loans | $122,800,000 | 2,952 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8118% | 3,529 |
| Cost of funding earning assets | 0.5010% | 3,215 |
| Net interest margin | 3.3108% | 3,157 |
| Noninterest income to average assets | 0.1032% | 4,751 |
| Noninterest expense to average assets | 3.6890% | 540 |
| Loan and lease loss provision to assets | 0.4078% | 848 |
| Net operating income to assets | -0.6963% | 4,916 |
| Return on assets (ROA) | -0.6957% | 4,923 |
| Pretax return on assets | -0.9208% | 4,938 |
| Return on Equity (ROE) | -3.3837% | 4,892 |
| Retained earnings to average equity (ytd only) | -3.3837% | 4,790 |
| Net charge-offs to loans | 0.0253% | 2,330 |
| Credit loss provision to net charge-offs | 2,281.8182% | 427 |
| Earnings coverage of net charge-offs (x) | -28.7273% | 3,222 |
| Efficiency ratio | 116.1761% | 88 |
| Assets per employee ($millions) | 6.3573% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8956% | 4,087 |
| Loan loss allowance to noncurrent loans | 2,592.5926% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,327 |
| Noncurrent loans to loans | 0.0345% | 4,252 |
| Net loans and leases to total assets | 78.6109% | 757 |
| Net loans and leases to deposits | 96.5433% | 720 |
| Net loans and leases to core deposits | 99.1806% | 1,221 |
| Total domestic deposits to total assets | 81.4255% | 3,557 |
| Equity capital to assets | 16.9726% | 377 |
| Core capital (leverage) ratio | 16.6474% | 368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,052,250 | 3,227 |
| Average earning assets | $152,224,750 | 3,221 |
| Average equity | $33,729,000 | 2,290 |
| Average total loans | $116,116,000 | 3,028 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9063% | 3,596 |
| Cost of funding earning assets | 0.5814% | 3,075 |
| Net interest margin | 3.3249% | 3,323 |
| Noninterest income to average assets | 0.0902% | 4,810 |
| Noninterest expense to average assets | 3.7911% | 507 |
| Loan and lease loss provision to assets | 0.3947% | 1,031 |
| Net operating income to assets | -0.7564% | 4,942 |
| Return on assets (ROA) | -0.7553% | 4,938 |
| Pretax return on assets | -1.0076% | 4,947 |
| Return on Equity (ROE) | -3.4179% | 4,904 |
| Retained earnings to average equity (ytd only) | -3.4179% | 4,687 |
| Net charge-offs to loans | 0.0428% | 1,889 |
| Credit loss provision to net charge-offs | 1,372.7273% | 642 |
| Earnings coverage of net charge-offs (x) | -21.3636% | 3,001 |
| Efficiency ratio | 119.3336% | 96 |
| Assets per employee ($millions) | 6.7410% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 4,163 |
| Loan loss allowance to noncurrent loans | 2,181.8182% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 4,405 |
| Noncurrent loans to loans | 0.0393% | 4,323 |
| Net loans and leases to total assets | 73.5638% | 1,467 |
| Net loans and leases to deposits | 91.5053% | 1,213 |
| Net loans and leases to core deposits | 93.5584% | 1,781 |
| Total domestic deposits to total assets | 80.3930% | 3,753 |
| Equity capital to assets | 17.8438% | 312 |
| Core capital (leverage) ratio | 18.0602% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,044,000 | 3,322 |
| Average earning assets | $142,078,667 | 3,324 |
| Average equity | $33,822,333 | 2,267 |
| Average total loans | $102,713,333 | 3,196 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1262% | 3,449 |
| Cost of funding earning assets | 0.6909% | 2,972 |
| Net interest margin | 3.4354% | 3,197 |
| Noninterest income to average assets | 0.1006% | 4,825 |
| Noninterest expense to average assets | 4.4174% | 328 |
| Loan and lease loss provision to assets | 0.6361% | 428 |
| Net operating income to assets | -1.2936% | 5,013 |
| Return on assets (ROA) | -1.2959% | 4,996 |
| Pretax return on assets | -1.7486% | 5,011 |
| Return on Equity (ROE) | -5.1691% | 4,926 |
| Retained earnings to average equity (ytd only) | -5.1691% | 4,535 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.5420% | 78 |
| Assets per employee ($millions) | 4.9998% | 2,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2557% | 2,360 |
| Loan loss allowance to noncurrent loans | 1,991.2281% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,418 |
| Noncurrent loans to loans | 0.0631% | 4,284 |
| Net loans and leases to total assets | 61.5552% | 3,345 |
| Net loans and leases to deposits | 82.3441% | 2,411 |
| Net loans and leases to core deposits | 85.7689% | 2,701 |
| Total domestic deposits to total assets | 74.7536% | 4,600 |
| Equity capital to assets | 23.2815% | 140 |
| Core capital (leverage) ratio | 24.5417% | 121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,191,500 | 3,514 |
| Average earning assets | $126,217,000 | 3,495 |
| Average equity | $33,893,500 | 2,251 |
| Average total loans | $84,044,500 | 3,514 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4708% | 3,037 |
| Cost of funding earning assets | 0.5574% | 3,837 |
| Net interest margin | 3.9134% | 2,124 |
| Noninterest income to average assets | 0.1050% | 4,915 |
| Noninterest expense to average assets | 4.7133% | 258 |
| Loan and lease loss provision to assets | 0.2454% | 760 |
| Net operating income to assets | -0.8934% | 5,086 |
| Return on assets (ROA) | -0.8934% | 5,091 |
| Pretax return on assets | -1.1938% | 5,107 |
| Return on Equity (ROE) | -2.6419% | 5,042 |
| Retained earnings to average equity (ytd only) | -2.6419% | 4,900 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.1890% | 66 |
| Assets per employee ($millions) | 4.3237% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,519 |
| Loan loss allowance to noncurrent loans | 1,559.3220% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,399 |
| Noncurrent loans to loans | 0.0759% | 4,222 |
| Net loans and leases to total assets | 61.2355% | 3,476 |
| Net loans and leases to deposits | 86.7436% | 2,005 |
| Net loans and leases to core deposits | 92.0272% | 2,234 |
| Total domestic deposits to total assets | 70.5937% | 4,909 |
| Equity capital to assets | 27.1398% | 97 |
| Core capital (leverage) ratio | 27.8452% | 88 |
| Tier 1 risk-based capital ratio | 35.5414% | 319 |
| Total risk-based capital ratio | 36.5656% | 318 |
| Memoranda: | ||
| Average total assets | $101,861,600 | 3,971 |
| Average earning assets | $95,262,200 | 3,948 |
| Average equity | $34,444,400 | 2,170 |
| Average total loans | $60,326,400 | 3,979 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 3,010 |
| Cost of funding earning assets | 0.4935% | 4,167 |
| Net interest margin | 4.0221% | 1,862 |
| Noninterest income to average assets | 0.1097% | 4,955 |
| Noninterest expense to average assets | 4.7870% | 247 |
| Loan and lease loss provision to assets | 0.1806% | 1,013 |
| Net operating income to assets | -0.8029% | 5,162 |
| Return on assets (ROA) | -0.8029% | 5,166 |
| Pretax return on assets | -1.0877% | 5,181 |
| Return on Equity (ROE) | -2.2307% | 5,124 |
| Retained earnings to average equity (ytd only) | -2.2307% | 4,940 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.3799% | 75 |
| Assets per employee ($millions) | 3.7216% | 4,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,386 |
| Loan loss allowance to noncurrent loans | 1,269.8413% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 4,411 |
| Noncurrent loans to loans | 0.0963% | 4,216 |
| Net loans and leases to total assets | 62.0022% | 3,496 |
| Net loans and leases to deposits | 93.0042% | 1,323 |
| Net loans and leases to core deposits | 99.5348% | 1,695 |
| Total domestic deposits to total assets | 66.6660% | 5,089 |
| Equity capital to assets | 32.9376% | 59 |
| Core capital (leverage) ratio | 33.6751% | 63 |
| Tier 1 risk-based capital ratio | 43.8901% | 187 |
| Total risk-based capital ratio | 44.9791% | 186 |
| Memoranda: | ||
| Average total assets | $95,980,000 | 4,107 |
| Average earning assets | $89,967,750 | 4,093 |
| Average equity | $34,548,000 | 2,176 |
| Average total loans | $55,982,500 | 4,101 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5386% | 2,887 |
| Cost of funding earning assets | 0.4630% | 4,270 |
| Net interest margin | 4.0756% | 1,685 |
| Noninterest income to average assets | 0.1115% | 4,995 |
| Noninterest expense to average assets | 4.8907% | 234 |
| Loan and lease loss provision to assets | 0.0644% | 2,528 |
| Net operating income to assets | -0.7593% | 5,208 |
| Return on assets (ROA) | -0.7593% | 5,213 |
| Pretax return on assets | -1.0296% | 5,227 |
| Return on Equity (ROE) | -2.0449% | 5,164 |
| Retained earnings to average equity (ytd only) | -2.0449% | 4,912 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.5902% | 70 |
| Assets per employee ($millions) | 3.3870% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 2,229 |
| Loan loss allowance to noncurrent loans | 1,014.4928% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0728% | 4,396 |
| Noncurrent loans to loans | 0.1236% | 4,122 |
| Net loans and leases to total assets | 58.1456% | 3,902 |
| Net loans and leases to deposits | 91.9081% | 1,496 |
| Net loans and leases to core deposits | 99.3084% | 1,787 |
| Total domestic deposits to total assets | 63.2650% | 5,178 |
| Equity capital to assets | 36.3775% | 56 |
| Core capital (leverage) ratio | 35.9823% | 55 |
| Tier 1 risk-based capital ratio | 52.2750% | 124 |
| Total risk-based capital ratio | 53.3959% | 120 |
| Memoranda: | ||
| Average total assets | $93,238,000 | 4,169 |
| Average earning assets | $87,250,670 | 4,152 |
| Average equity | $34,623,000 | 2,160 |
| Average total loans | $52,840,000 | 4,202 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 3,567 |
| Cost of funding earning assets | 0.4460% | 4,306 |
| Net interest margin | 3.8514% | 2,338 |
| Noninterest income to average assets | 0.0995% | 5,080 |
| Noninterest expense to average assets | 4.7772% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.8049% | 5,275 |
| Return on assets (ROA) | -0.8049% | 5,271 |
| Pretax return on assets | -1.0904% | 5,282 |
| Return on Equity (ROE) | -2.1450% | 5,219 |
| Retained earnings to average equity (ytd only) | -2.1450% | 4,756 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.5775% | 59 |
| Assets per employee ($millions) | 3.4259% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3026% | 2,078 |
| Loan loss allowance to noncurrent loans | 893.3333% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 4,396 |
| Noncurrent loans to loans | 0.1458% | 4,080 |
| Net loans and leases to total assets | 54.8844% | 4,141 |
| Net loans and leases to deposits | 87.9417% | 1,882 |
| Net loans and leases to core deposits | 96.7838% | 1,873 |
| Total domestic deposits to total assets | 62.4100% | 5,259 |
| Equity capital to assets | 37.4138% | 53 |
| Core capital (leverage) ratio | 37.1527% | 52 |
| Tier 1 risk-based capital ratio | 59.6625% | 91 |
| Total risk-based capital ratio | 60.8808% | 91 |
| Memoranda: | ||
| Average total assets | $92,439,000 | 4,226 |
| Average earning assets | $86,098,000 | 4,217 |
| Average equity | $34,685,000 | 2,152 |
| Average total loans | $51,338,500 | 4,277 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6728% | 1,919 |
| Cost of funding earning assets | 0.5148% | 3,258 |
| Net interest margin | 4.1580% | 1,505 |
| Noninterest income to average assets | 0.1776% | 4,840 |
| Noninterest expense to average assets | 4.6143% | 274 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -1.3997% | 5,359 |
| Return on assets (ROA) | -1.3997% | 5,356 |
| Pretax return on assets | -0.6082% | 5,317 |
| Return on Equity (ROE) | -6.9779% | 5,327 |
| Retained earnings to average equity (ytd only) | -6.9779% | 5,277 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1832% | 66 |
| Assets per employee ($millions) | 3.8492% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 2,000 |
| Loan loss allowance to noncurrent loans | 827.1605% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 4,379 |
| Noncurrent loans to loans | 0.1581% | 4,029 |
| Net loans and leases to total assets | 54.7413% | 4,227 |
| Net loans and leases to deposits | 88.4787% | 1,994 |
| Net loans and leases to core deposits | 99.7889% | 1,731 |
| Total domestic deposits to total assets | 61.8695% | 5,304 |
| Equity capital to assets | 37.6304% | 53 |
| Core capital (leverage) ratio | 49.8009% | 35 |
| Tier 1 risk-based capital ratio | 64.2664% | 82 |
| Total risk-based capital ratio | 65.5164% | 79 |
| Memoranda: | ||
| Average total assets | $71,516,800 | 4,560 |
| Average earning assets | $65,849,600 | 4,559 |
| Average equity | $14,345,200 | 3,709 |
| Average total loans | $50,837,400 | 4,298 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0416% | 858 |
| Cost of funding earning assets | 0.5423% | 2,917 |
| Net interest margin | 4.4993% | 742 |
| Noninterest income to average assets | 0.1870% | 4,853 |
| Noninterest expense to average assets | 3.4830% | 1,002 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5973% | 4,510 |
| Return on assets (ROA) | 0.5973% | 4,518 |
| Pretax return on assets | 0.8084% | 4,269 |
| Return on Equity (ROE) | 4.2853% | 4,754 |
| Retained earnings to average equity (ytd only) | 4.2853% | 3,624 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1621% | 845 |
| Assets per employee ($millions) | 3.6257% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3040% | 2,079 |
| Loan loss allowance to noncurrent loans | 770.1149% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.1333% | 4,289 |
| Noncurrent loans to loans | 0.1693% | 4,131 |
| Net loans and leases to total assets | 77.7041% | 1,386 |
| Net loans and leases to deposits | 90.9893% | 1,757 |
| Net loans and leases to core deposits | 102.1163% | 1,604 |
| Total domestic deposits to total assets | 85.3991% | 2,459 |
| Equity capital to assets | 14.3925% | 855 |
| Core capital (leverage) ratio | 12.1869% | 1,672 |
| Tier 1 risk-based capital ratio | 14.7551% | 2,991 |
| Total risk-based capital ratio | 16.0058% | 2,911 |
| Memoranda: | ||
| Average total assets | $66,301,000 | 4,696 |
| Average earning assets | $60,481,500 | 4,710 |
| Average equity | $9,240,750 | 4,468 |
| Average total loans | $50,736,750 | 4,345 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 720 |
| Cost of funding earning assets | 0.5165% | 2,888 |
| Net interest margin | 4.5429% | 636 |
| Noninterest income to average assets | 0.1861% | 4,895 |
| Noninterest expense to average assets | 3.4720% | 1,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6332% | 4,399 |
| Return on assets (ROA) | 0.6332% | 4,406 |
| Pretax return on assets | 0.8583% | 4,082 |
| Return on Equity (ROE) | 4.5919% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.5919% | 3,294 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1802% | 1,003 |
| Assets per employee ($millions) | 3.7841% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3293% | 2,034 |
| Loan loss allowance to noncurrent loans | 720.4301% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.1446% | 4,268 |
| Noncurrent loans to loans | 0.1845% | 4,079 |
| Net loans and leases to total assets | 77.3119% | 1,421 |
| Net loans and leases to deposits | 93.9743% | 1,362 |
| Net loans and leases to core deposits | 103.5133% | 1,431 |
| Total domestic deposits to total assets | 82.2693% | 3,638 |
| Equity capital to assets | 14.4554% | 818 |
| Core capital (leverage) ratio | 11.7973% | 1,840 |
| Tier 1 risk-based capital ratio | 14.6218% | 3,058 |
| Total risk-based capital ratio | 15.8698% | 2,976 |
| Memoranda: | ||
| Average total assets | $66,647,000 | 4,746 |
| Average earning assets | $60,797,670 | 4,754 |
| Average equity | $9,190,000 | 4,515 |
| Average total loans | $50,521,670 | 4,394 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8522% | 973 |
| Cost of funding earning assets | 0.4704% | 3,035 |
| Net interest margin | 4.3818% | 798 |
| Noninterest income to average assets | 0.1829% | 4,931 |
| Noninterest expense to average assets | 3.4038% | 1,157 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5840% | 4,469 |
| Return on assets (ROA) | 0.5840% | 4,477 |
| Pretax return on assets | 0.7905% | 4,175 |
| Return on Equity (ROE) | 4.3347% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.3347% | 3,452 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1533% | 1,031 |
| Assets per employee ($millions) | 3.7656% | 4,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 2,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 73.4704% | 1,953 |
| Net loans and leases to deposits | 85.1221% | 2,280 |
| Net loans and leases to core deposits | 92.4652% | 2,260 |
| Total domestic deposits to total assets | 86.3118% | 2,397 |
| Equity capital to assets | 13.5510% | 1,028 |
| Core capital (leverage) ratio | 11.6322% | 1,905 |
| Tier 1 risk-based capital ratio | 14.2816% | 3,236 |
| Total risk-based capital ratio | 15.5314% | 3,156 |
| Memoranda: | ||
| Average total assets | $67,806,000 | 4,777 |
| Average earning assets | $62,075,000 | 4,791 |
| Average equity | $9,135,500 | 4,567 |
| Average total loans | $50,580,500 | 4,431 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9608% | 692 |
| Cost of funding earning assets | 0.4774% | 2,525 |
| Net interest margin | 4.4834% | 636 |
| Noninterest income to average assets | 0.1764% | 5,073 |
| Noninterest expense to average assets | 3.3062% | 1,368 |
| Loan and lease loss provision to assets | -0.2431% | 5,598 |
| Net operating income to assets | -0.5115% | 5,531 |
| Return on assets (ROA) | -0.5115% | 5,533 |
| Pretax return on assets | 1.1653% | 2,921 |
| Return on Equity (ROE) | -3.6472% | 5,510 |
| Retained earnings to average equity (ytd only) | -3.6472% | 5,382 |
| Net charge-offs to loans | -0.2250% | 5,533 |
| Credit loss provision to net charge-offs | 145.1327% | 1,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1907% | 1,319 |
| Assets per employee ($millions) | 3.7684% | 4,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3217% | 2,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 73.7450% | 1,963 |
| Net loans and leases to deposits | 86.8242% | 2,156 |
| Net loans and leases to core deposits | 94.5595% | 2,149 |
| Total domestic deposits to total assets | 84.9361% | 2,863 |
| Equity capital to assets | 13.3951% | 1,101 |
| Core capital (leverage) ratio | 10.6589% | 2,688 |
| Tier 1 risk-based capital ratio | 14.0753% | 3,321 |
| Total risk-based capital ratio | 15.3338% | 3,215 |
| Memoranda: | ||
| Average total assets | $67,449,000 | 4,822 |
| Average earning assets | $60,957,600 | 4,840 |
| Average equity | $9,459,200 | 4,532 |
| Average total loans | $50,218,000 | 4,452 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8236% | 882 |
| Cost of funding earning assets | 0.4764% | 2,463 |
| Net interest margin | 4.3472% | 823 |
| Noninterest income to average assets | 0.1801% | 5,114 |
| Noninterest expense to average assets | 3.2801% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5048% | 4,714 |
| Return on assets (ROA) | 0.5048% | 4,746 |
| Pretax return on assets | 0.8195% | 4,301 |
| Return on Equity (ROE) | 3.5592% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.5592% | 3,795 |
| Net charge-offs to loans | -0.3007% | 5,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0097% | 1,103 |
| Assets per employee ($millions) | 4.1552% | 3,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5559% | 1,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 74.7024% | 1,802 |
| Net loans and leases to deposits | 88.2587% | 2,019 |
| Net loans and leases to core deposits | 98.1274% | 1,873 |
| Total domestic deposits to total assets | 84.6402% | 2,865 |
| Equity capital to assets | 13.7120% | 1,071 |
| Core capital (leverage) ratio | 10.3084% | 3,188 |
| Tier 1 risk-based capital ratio | 12.6141% | 4,255 |
| Total risk-based capital ratio | 13.8794% | 4,142 |
| Memoranda: | ||
| Average total assets | $67,353,500 | 4,873 |
| Average earning assets | $60,727,500 | 4,894 |
| Average equity | $9,552,500 | 4,562 |
| Average total loans | $50,099,500 | 4,500 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 909 |
| Cost of funding earning assets | 0.4764% | 2,362 |
| Net interest margin | 4.2981% | 868 |
| Noninterest income to average assets | 0.1811% | 5,148 |
| Noninterest expense to average assets | 3.2539% | 1,460 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4830% | 4,748 |
| Return on assets (ROA) | 0.4830% | 4,783 |
| Pretax return on assets | 0.7939% | 4,292 |
| Return on Equity (ROE) | 3.3656% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.3656% | 3,712 |
| Net charge-offs to loans | -0.0695% | 5,297 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3878% | 1,171 |
| Assets per employee ($millions) | 4.2340% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 1,704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 73.2818% | 1,991 |
| Net loans and leases to deposits | 87.0489% | 2,098 |
| Net loans and leases to core deposits | 95.2184% | 2,052 |
| Total domestic deposits to total assets | 84.1846% | 3,127 |
| Equity capital to assets | 14.1562% | 917 |
| Core capital (leverage) ratio | 10.6066% | 2,806 |
| Tier 1 risk-based capital ratio | 13.0162% | 3,986 |
| Total risk-based capital ratio | 14.2816% | 3,896 |
| Memoranda: | ||
| Average total assets | $66,258,330 | 4,929 |
| Average earning assets | $59,607,670 | 4,961 |
| Average equity | $9,508,000 | 4,592 |
| Average total loans | $48,931,670 | 4,554 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 802 |
| Cost of funding earning assets | 0.4769% | 2,281 |
| Net interest margin | 4.2921% | 804 |
| Noninterest income to average assets | 0.1832% | 5,178 |
| Noninterest expense to average assets | 3.2969% | 1,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4518% | 4,770 |
| Return on assets (ROA) | 0.4518% | 4,790 |
| Pretax return on assets | 0.7327% | 4,337 |
| Return on Equity (ROE) | 3.1267% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.1267% | 3,851 |
| Net charge-offs to loans | -0.1411% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 1,182 |
| Assets per employee ($millions) | 4.3433% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 1,567 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.7153% | 1,963 |
| Net loans and leases to deposits | 86.8738% | 1,928 |
| Net loans and leases to core deposits | 94.2429% | 1,964 |
| Total domestic deposits to total assets | 83.7022% | 3,578 |
| Equity capital to assets | 14.5879% | 733 |
| Core capital (leverage) ratio | 10.4189% | 2,993 |
| Tier 1 risk-based capital ratio | 13.4076% | 3,833 |
| Total risk-based capital ratio | 14.6742% | 3,735 |
| Memoranda: | ||
| Average total assets | $65,515,500 | 4,990 |
| Average earning assets | $58,712,000 | 5,031 |
| Average equity | $9,467,000 | 4,632 |
| Average total loans | $48,206,500 | 4,615 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8649% | 785 |
| Cost of funding earning assets | 0.4986% | 2,101 |
| Net interest margin | 4.3663% | 830 |
| Noninterest income to average assets | 0.2163% | 5,119 |
| Noninterest expense to average assets | 3.6539% | 945 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 5.5992% | 28 |
| Return on assets (ROA) | 5.5992% | 29 |
| Pretax return on assets | 0.6047% | 4,777 |
| Return on Equity (ROE) | 47.6764% | 9 |
| Retained earnings to average equity (ytd only) | 47.6764% | 3 |
| Net charge-offs to loans | -0.0197% | 5,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8000% | 838 |
| Assets per employee ($millions) | 3.8754% | 4,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4927% | 1,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 72.2211% | 2,136 |
| Net loans and leases to deposits | 86.0056% | 2,166 |
| Net loans and leases to core deposits | 93.0005% | 2,213 |
| Total domestic deposits to total assets | 83.9726% | 3,426 |
| Equity capital to assets | 14.3137% | 791 |
| Core capital (leverage) ratio | 10.5004% | 2,883 |
| Tier 1 risk-based capital ratio | 13.2820% | 3,907 |
| Total risk-based capital ratio | 14.5637% | 3,797 |
| Memoranda: | ||
| Average total assets | $58,704,400 | 5,170 |
| Average earning assets | $54,348,200 | 5,164 |
| Average equity | $6,894,400 | 5,112 |
| Average total loans | $45,633,800 | 4,694 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8408% | 825 |
| Cost of funding earning assets | 0.4944% | 2,133 |
| Net interest margin | 4.3464% | 849 |
| Noninterest income to average assets | 0.2249% | 5,123 |
| Noninterest expense to average assets | 3.6876% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5904% | 4,328 |
| Return on assets (ROA) | 0.5904% | 4,436 |
| Pretax return on assets | 0.5951% | 4,888 |
| Return on Equity (ROE) | 5.3668% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.3668% | 2,577 |
| Net charge-offs to loans | -0.0267% | 5,112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1050% | 812 |
| Assets per employee ($millions) | 3.8431% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.0590% | 1,692 |
| Net loans and leases to deposits | 85.5303% | 2,312 |
| Net loans and leases to core deposits | 93.2139% | 2,256 |
| Total domestic deposits to total assets | 87.7572% | 1,523 |
| Equity capital to assets | 10.4002% | 3,677 |
| Core capital (leverage) ratio | 10.5352% | 2,958 |
| Tier 1 risk-based capital ratio | 12.9763% | 4,176 |
| Total risk-based capital ratio | 14.2283% | 4,090 |
| Memoranda: | ||
| Average total assets | $56,910,250 | 5,254 |
| Average earning assets | $53,130,500 | 5,231 |
| Average equity | $6,260,500 | 5,290 |
| Average total loans | $44,967,000 | 4,755 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 700 |
| Cost of funding earning assets | 0.4846% | 2,235 |
| Net interest margin | 4.4273% | 721 |
| Noninterest income to average assets | 0.2311% | 5,099 |
| Noninterest expense to average assets | 3.7917% | 778 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5561% | 4,455 |
| Return on assets (ROA) | 0.5561% | 4,572 |
| Pretax return on assets | 0.5633% | 4,989 |
| Return on Equity (ROE) | 4.9552% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.9552% | 2,768 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0647% | 784 |
| Assets per employee ($millions) | 3.2830% | 5,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5299% | 1,757 |
| Loan loss allowance to noncurrent loans | 7,911.1111% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,539 |
| Noncurrent loans to loans | 0.0193% | 5,398 |
| Net loans and leases to total assets | 82.1093% | 617 |
| Net loans and leases to deposits | 94.7151% | 1,215 |
| Net loans and leases to core deposits | 104.0341% | 1,317 |
| Total domestic deposits to total assets | 86.6908% | 2,064 |
| Equity capital to assets | 11.2827% | 2,760 |
| Core capital (leverage) ratio | 11.0998% | 2,328 |
| Tier 1 risk-based capital ratio | 13.0986% | 4,142 |
| Total risk-based capital ratio | 14.3508% | 4,062 |
| Memoranda: | ||
| Average total assets | $55,384,000 | 5,345 |
| Average earning assets | $51,589,000 | 5,321 |
| Average equity | $6,215,670 | 5,348 |
| Average total loans | $44,331,330 | 4,818 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 698 |
| Cost of funding earning assets | 0.4591% | 2,475 |
| Net interest margin | 4.4357% | 689 |
| Noninterest income to average assets | 0.2248% | 5,133 |
| Noninterest expense to average assets | 3.8934% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4640% | 4,761 |
| Return on assets (ROA) | 0.4640% | 4,850 |
| Pretax return on assets | 0.4640% | 5,170 |
| Return on Equity (ROE) | 4.1457% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.1457% | 3,413 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3511% | 714 |
| Assets per employee ($millions) | 3.3068% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 1,688 |
| Loan loss allowance to noncurrent loans | 3,390.4762% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 5,478 |
| Noncurrent loans to loans | 0.0465% | 5,303 |
| Net loans and leases to total assets | 79.0024% | 951 |
| Net loans and leases to deposits | 90.8648% | 1,477 |
| Net loans and leases to core deposits | 99.6790% | 1,509 |
| Total domestic deposits to total assets | 86.9450% | 2,235 |
| Equity capital to assets | 11.0413% | 2,895 |
| Core capital (leverage) ratio | 11.5554% | 1,937 |
| Tier 1 risk-based capital ratio | 13.0960% | 4,203 |
| Total risk-based capital ratio | 14.3493% | 4,119 |
| Memoranda: | ||
| Average total assets | $55,170,500 | 5,397 |
| Average earning assets | $51,401,000 | 5,378 |
| Average equity | $6,175,000 | 5,389 |
| Average total loans | $43,228,000 | 4,889 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5268% | 1,515 |
| Cost of funding earning assets | 0.4931% | 2,223 |
| Net interest margin | 4.0337% | 1,608 |
| Noninterest income to average assets | 0.2147% | 5,310 |
| Noninterest expense to average assets | 3.8986% | 762 |
| Loan and lease loss provision to assets | -0.1139% | 5,871 |
| Net operating income to assets | 0.1531% | 5,672 |
| Return on assets (ROA) | 0.1531% | 5,720 |
| Pretax return on assets | 0.1568% | 5,746 |
| Return on Equity (ROE) | 1.5541% | 5,672 |
| Retained earnings to average equity (ytd only) | 1.5541% | 4,834 |
| Net charge-offs to loans | -0.0129% | 5,163 |
| Credit loss provision to net charge-offs | 1,220.0000% | 277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9105% | 310 |
| Assets per employee ($millions) | 3.3828% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 1,306 |
| Loan loss allowance to noncurrent loans | 2,455.1724% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 5,457 |
| Noncurrent loans to loans | 0.0702% | 5,232 |
| Net loans and leases to total assets | 75.0485% | 1,567 |
| Net loans and leases to deposits | 84.9400% | 2,250 |
| Net loans and leases to core deposits | 92.8203% | 2,147 |
| Total domestic deposits to total assets | 88.3547% | 1,443 |
| Equity capital to assets | 11.3497% | 2,499 |
| Core capital (leverage) ratio | 11.2152% | 2,197 |
| Tier 1 risk-based capital ratio | 14.3679% | 3,512 |
| Total risk-based capital ratio | 15.6262% | 3,422 |
| Memoranda: | ||
| Average total assets | $53,558,000 | 5,468 |
| Average earning assets | $49,482,800 | 5,448 |
| Average equity | $5,276,200 | 5,587 |
| Average total loans | $38,838,800 | 5,056 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4610% | 1,725 |
| Cost of funding earning assets | 0.4978% | 2,232 |
| Net interest margin | 3.9632% | 1,832 |
| Noninterest income to average assets | 0.2097% | 5,394 |
| Noninterest expense to average assets | 3.9088% | 735 |
| Loan and lease loss provision to assets | -0.1523% | 6,064 |
| Net operating income to assets | 0.1048% | 5,844 |
| Return on assets (ROA) | 0.1048% | 5,881 |
| Pretax return on assets | 0.1098% | 5,882 |
| Return on Equity (ROE) | 1.1068% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.1068% | 5,273 |
| Net charge-offs to loans | -0.0175% | 5,155 |
| Credit loss provision to net charge-offs | 1,220.0000% | 314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.0975% | 278 |
| Assets per employee ($millions) | 3.3476% | 5,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8918% | 1,090 |
| Loan loss allowance to noncurrent loans | 1,618.1818% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 5,450 |
| Noncurrent loans to loans | 0.1169% | 5,162 |
| Net loans and leases to total assets | 64.8831% | 3,174 |
| Net loans and leases to deposits | 72.6713% | 3,684 |
| Net loans and leases to core deposits | 78.9620% | 3,513 |
| Total domestic deposits to total assets | 89.2831% | 879 |
| Equity capital to assets | 10.4656% | 3,634 |
| Core capital (leverage) ratio | 11.0910% | 2,395 |
| Tier 1 risk-based capital ratio | 15.4213% | 3,086 |
| Total risk-based capital ratio | 16.6770% | 3,012 |
| Memoranda: | ||
| Average total assets | $53,416,250 | 5,545 |
| Average earning assets | $49,285,000 | 5,522 |
| Average equity | $5,059,500 | 5,709 |
| Average total loans | $38,215,500 | 5,134 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,634 |
| Cost of funding earning assets | 0.5117% | 2,149 |
| Net interest margin | 3.9562% | 1,786 |
| Noninterest income to average assets | 0.2067% | 5,447 |
| Noninterest expense to average assets | 4.0381% | 647 |
| Loan and lease loss provision to assets | -0.2335% | 6,200 |
| Net operating income to assets | 0.0421% | 5,946 |
| Return on assets (ROA) | 0.0421% | 5,989 |
| Pretax return on assets | 0.0421% | 5,983 |
| Return on Equity (ROE) | 0.4621% | 5,970 |
| Retained earnings to average equity (ytd only) | 0.4621% | 5,363 |
| Net charge-offs to loans | -0.0260% | 5,272 |
| Credit loss provision to net charge-offs | 1,220.0000% | 292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9751% | 236 |
| Assets per employee ($millions) | 3.0726% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8132% | 1,339 |
| Loan loss allowance to noncurrent loans | 204.0115% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 0.6681% | 3,400 |
| Noncurrent loans to loans | 0.8888% | 2,909 |
| Net loans and leases to total assets | 73.8140% | 1,691 |
| Net loans and leases to deposits | 81.9643% | 2,558 |
| Net loans and leases to core deposits | 90.8868% | 2,255 |
| Total domestic deposits to total assets | 90.0563% | 641 |
| Equity capital to assets | 9.6163% | 4,511 |
| Core capital (leverage) ratio | 9.4799% | 4,308 |
| Tier 1 risk-based capital ratio | 12.6664% | 4,702 |
| Total risk-based capital ratio | 13.9222% | 4,626 |
| Memoranda: | ||
| Average total assets | $52,251,670 | 5,632 |
| Average earning assets | $48,077,000 | 5,605 |
| Average equity | $4,760,670 | 5,840 |
| Average total loans | $38,408,330 | 5,167 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 2,061 |
| Cost of funding earning assets | 0.5077% | 2,224 |
| Net interest margin | 3.8033% | 2,224 |
| Noninterest income to average assets | 0.1990% | 5,524 |
| Noninterest expense to average assets | 4.0872% | 629 |
| Loan and lease loss provision to assets | -0.4669% | 6,348 |
| Net operating income to assets | 0.0765% | 5,922 |
| Return on assets (ROA) | 0.0765% | 5,970 |
| Pretax return on assets | 0.0765% | 5,974 |
| Return on Equity (ROE) | 0.8640% | 5,940 |
| Retained earnings to average equity (ytd only) | 0.8640% | 5,118 |
| Net charge-offs to loans | -0.0316% | 5,286 |
| Credit loss provision to net charge-offs | 2,033.3333% | 196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5590% | 189 |
| Assets per employee ($millions) | 3.1112% | 5,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8950% | 1,296 |
| Loan loss allowance to noncurrent loans | 87.0098% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 1.5428% | 1,676 |
| Noncurrent loans to loans | 2.1779% | 1,169 |
| Net loans and leases to total assets | 69.4958% | 2,203 |
| Net loans and leases to deposits | 76.5117% | 2,994 |
| Net loans and leases to core deposits | 85.4774% | 2,602 |
| Total domestic deposits to total assets | 90.8302% | 420 |
| Equity capital to assets | 8.8749% | 5,420 |
| Core capital (leverage) ratio | 8.9960% | 4,961 |
| Tier 1 risk-based capital ratio | 12.3108% | 5,037 |
| Total risk-based capital ratio | 13.5671% | 4,946 |
| Memoranda: | ||
| Average total assets | $52,260,500 | 5,680 |
| Average earning assets | $48,064,000 | 5,657 |
| Average equity | $4,629,500 | 5,924 |
| Average total loans | $37,978,500 | 5,216 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 920 |
| Cost of funding earning assets | 0.5630% | 2,119 |
| Net interest margin | 4.3393% | 980 |
| Noninterest income to average assets | 0.2564% | 5,297 |
| Noninterest expense to average assets | 4.3999% | 503 |
| Loan and lease loss provision to assets | -0.5815% | 6,459 |
| Net operating income to assets | 0.3756% | 5,305 |
| Return on assets (ROA) | 0.3756% | 5,372 |
| Pretax return on assets | 0.3756% | 5,546 |
| Return on Equity (ROE) | 5.4067% | 4,455 |
| Retained earnings to average equity (ytd only) | 5.4067% | 2,325 |
| Net charge-offs to loans | -0.3547% | 6,353 |
| Credit loss provision to net charge-offs | 211.7647% | 1,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9109% | 279 |
| Assets per employee ($millions) | 3.2269% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9953% | 1,122 |
| Loan loss allowance to noncurrent loans | 146.0076% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.0188% | 2,706 |
| Noncurrent loans to loans | 1.3666% | 2,147 |
| Net loans and leases to total assets | 73.0622% | 1,744 |
| Net loans and leases to deposits | 80.4256% | 2,669 |
| Net loans and leases to core deposits | 88.6055% | 2,431 |
| Total domestic deposits to total assets | 90.8445% | 416 |
| Equity capital to assets | 8.8418% | 5,436 |
| Core capital (leverage) ratio | 8.8397% | 5,202 |
| Tier 1 risk-based capital ratio | 12.0697% | 5,315 |
| Total risk-based capital ratio | 13.3309% | 5,213 |
| Memoranda: | ||
| Average total assets | $49,524,200 | 5,798 |
| Average earning assets | $44,938,400 | 5,802 |
| Average equity | $3,440,200 | 6,190 |
| Average total loans | $38,341,400 | 5,240 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9530% | 837 |
| Cost of funding earning assets | 0.5710% | 2,095 |
| Net interest margin | 4.3819% | 908 |
| Noninterest income to average assets | 0.2748% | 5,239 |
| Noninterest expense to average assets | 4.5198% | 454 |
| Loan and lease loss provision to assets | -0.7075% | 6,552 |
| Net operating income to assets | 0.4299% | 5,144 |
| Return on assets (ROA) | 0.4299% | 5,217 |
| Pretax return on assets | 0.4299% | 5,520 |
| Return on Equity (ROE) | 6.6686% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.6686% | 1,998 |
| Net charge-offs to loans | -0.4630% | 6,451 |
| Credit loss provision to net charge-offs | 195.4887% | 1,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5427% | 265 |
| Assets per employee ($millions) | 3.1127% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1008% | 1,089 |
| Loan loss allowance to noncurrent loans | 147.9478% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0762% | 2,805 |
| Noncurrent loans to loans | 1.4200% | 2,290 |
| Net loans and leases to total assets | 74.2003% | 1,495 |
| Net loans and leases to deposits | 79.9057% | 2,703 |
| Net loans and leases to core deposits | 86.5920% | 2,601 |
| Total domestic deposits to total assets | 92.8599% | 91 |
| Equity capital to assets | 6.8108% | 6,410 |
| Core capital (leverage) ratio | 6.7602% | 6,410 |
| Tier 1 risk-based capital ratio | 9.1877% | 6,465 |
| Total risk-based capital ratio | 10.4499% | 6,455 |
| Memoranda: | ||
| Average total assets | $48,997,750 | 5,877 |
| Average earning assets | $44,363,000 | 5,889 |
| Average equity | $3,159,000 | 6,308 |
| Average total loans | $38,304,250 | 5,291 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0002% | 750 |
| Cost of funding earning assets | 0.5783% | 2,086 |
| Net interest margin | 4.4218% | 814 |
| Noninterest income to average assets | 0.2298% | 5,559 |
| Noninterest expense to average assets | 4.4244% | 484 |
| Loan and lease loss provision to assets | -0.3324% | 6,543 |
| Net operating income to assets | 0.1231% | 6,000 |
| Return on assets (ROA) | 0.1231% | 6,041 |
| Pretax return on assets | 0.1231% | 6,062 |
| Return on Equity (ROE) | 1.9472% | 5,848 |
| Retained earnings to average equity (ytd only) | 1.9472% | 4,904 |
| Net charge-offs to loans | -0.0260% | 5,636 |
| Credit loss provision to net charge-offs | 1,620.0000% | 231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9659% | 310 |
| Assets per employee ($millions) | 2.9226% | 5,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1990% | 1,027 |
| Loan loss allowance to noncurrent loans | 142.5676% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.5095% | 2,159 |
| Noncurrent loans to loans | 1.5424% | 2,248 |
| Net loans and leases to total assets | 75.5515% | 1,225 |
| Net loans and leases to deposits | 84.8045% | 1,953 |
| Net loans and leases to core deposits | 90.9944% | 2,031 |
| Total domestic deposits to total assets | 89.0890% | 1,308 |
| Equity capital to assets | 6.5695% | 6,491 |
| Core capital (leverage) ratio | 6.6195% | 6,484 |
| Tier 1 risk-based capital ratio | 8.6174% | 6,556 |
| Total risk-based capital ratio | 9.8793% | 6,557 |
| Memoranda: | ||
| Average total assets | $48,729,330 | 5,934 |
| Average earning assets | $43,918,670 | 5,954 |
| Average equity | $3,081,330 | 6,376 |
| Average total loans | $38,490,000 | 5,326 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0425% | 668 |
| Cost of funding earning assets | 0.5705% | 2,238 |
| Net interest margin | 4.4720% | 694 |
| Noninterest income to average assets | 0.2155% | 5,634 |
| Noninterest expense to average assets | 4.3687% | 521 |
| Loan and lease loss provision to assets | -0.2321% | 6,587 |
| Net operating income to assets | 0.1078% | 6,010 |
| Return on assets (ROA) | 0.1078% | 6,043 |
| Pretax return on assets | 0.1078% | 6,065 |
| Return on Equity (ROE) | 1.7391% | 5,860 |
| Retained earnings to average equity (ytd only) | 1.7391% | 4,916 |
| Net charge-offs to loans | -0.0311% | 5,579 |
| Credit loss provision to net charge-offs | 933.3333% | 333 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9297% | 400 |
| Assets per employee ($millions) | 2.8342% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3053% | 1,020 |
| Loan loss allowance to noncurrent loans | 617.2414% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.6289% | 4,244 |
| Noncurrent loans to loans | 0.3735% | 5,006 |
| Net loans and leases to total assets | 78.7198% | 687 |
| Net loans and leases to deposits | 88.1391% | 1,345 |
| Net loans and leases to core deposits | 94.1655% | 1,539 |
| Total domestic deposits to total assets | 89.3132% | 1,466 |
| Equity capital to assets | 6.2203% | 6,551 |
| Core capital (leverage) ratio | 6.1551% | 6,568 |
| Tier 1 risk-based capital ratio | 7.5432% | 6,638 |
| Total risk-based capital ratio | 8.8067% | 6,639 |
| Memoranda: | ||
| Average total assets | $48,252,000 | 5,997 |
| Average earning assets | $43,470,500 | 6,017 |
| Average equity | $2,990,000 | 6,447 |
| Average total loans | $38,544,500 | 5,374 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9573% | 1,000 |
| Cost of funding earning assets | 0.5992% | 2,667 |
| Net interest margin | 4.3581% | 978 |
| Noninterest income to average assets | 0.2115% | 5,820 |
| Noninterest expense to average assets | 4.3346% | 612 |
| Loan and lease loss provision to assets | -0.1898% | 6,588 |
| Net operating income to assets | 0.0020% | 6,211 |
| Return on assets (ROA) | 0.0020% | 6,250 |
| Pretax return on assets | 0.0059% | 6,222 |
| Return on Equity (ROE) | 0.0349% | 6,249 |
| Retained earnings to average equity (ytd only) | 0.0349% | 5,832 |
| Net charge-offs to loans | 0.0191% | 5,056 |
| Credit loss provision to net charge-offs | -1,371.4286% | 6,270 |
| Earnings coverage of net charge-offs (x) | -13.2857% | 5,437 |
| Efficiency ratio | 104.4286% | 363 |
| Assets per employee ($millions) | 2.8425% | 6,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4042% | 925 |
| Loan loss allowance to noncurrent loans | 139.8176% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.6886% | 2,184 |
| Noncurrent loans to loans | 1.7195% | 2,336 |
| Net loans and leases to total assets | 77.2841% | 917 |
| Net loans and leases to deposits | 84.5678% | 1,857 |
| Net loans and leases to core deposits | 90.1794% | 1,999 |
| Total domestic deposits to total assets | 91.3871% | 441 |
| Equity capital to assets | 6.1730% | 6,606 |
| Core capital (leverage) ratio | 6.1229% | 6,639 |
| Tier 1 risk-based capital ratio | 7.5890% | 6,705 |
| Total risk-based capital ratio | 8.8534% | 6,706 |
| Memoranda: | ||
| Average total assets | $50,592,800 | 6,004 |
| Average earning assets | $45,730,800 | 6,000 |
| Average equity | $2,868,800 | 6,553 |
| Average total loans | $36,584,200 | 5,472 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 1,097 |
| Cost of funding earning assets | 0.6105% | 2,730 |
| Net interest margin | 4.3026% | 1,090 |
| Noninterest income to average assets | 0.2111% | 5,912 |
| Noninterest expense to average assets | 4.3105% | 626 |
| Loan and lease loss provision to assets | -0.1459% | 6,671 |
| Net operating income to assets | -0.0651% | 6,354 |
| Return on assets (ROA) | -0.0651% | 6,389 |
| Pretax return on assets | -0.0599% | 6,369 |
| Return on Equity (ROE) | -1.1735% | 6,436 |
| Retained earnings to average equity (ytd only) | -1.1735% | 6,159 |
| Net charge-offs to loans | 0.0995% | 3,555 |
| Credit loss provision to net charge-offs | -207.4074% | 5,907 |
| Earnings coverage of net charge-offs (x) | -2.9258% | 5,105 |
| Efficiency ratio | 105.0159% | 350 |
| Assets per employee ($millions) | 2.9349% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4901% | 946 |
| Loan loss allowance to noncurrent loans | 163.7631% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 1.4671% | 2,740 |
| Noncurrent loans to loans | 1.5205% | 2,884 |
| Net loans and leases to total assets | 73.7779% | 1,320 |
| Net loans and leases to deposits | 80.4274% | 2,351 |
| Net loans and leases to core deposits | 86.0590% | 2,402 |
| Total domestic deposits to total assets | 91.7323% | 304 |
| Equity capital to assets | 5.9227% | 6,706 |
| Core capital (leverage) ratio | 5.8501% | 6,729 |
| Tier 1 risk-based capital ratio | 7.5518% | 6,778 |
| Total risk-based capital ratio | 8.8168% | 6,778 |
| Memoranda: | ||
| Average total assets | $51,160,250 | 6,054 |
| Average earning assets | $46,296,000 | 6,047 |
| Average equity | $2,840,250 | 6,636 |
| Average total loans | $36,163,750 | 5,543 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8539% | 1,208 |
| Cost of funding earning assets | 0.6292% | 2,687 |
| Net interest margin | 4.2247% | 1,211 |
| Noninterest income to average assets | 0.2094% | 5,942 |
| Noninterest expense to average assets | 4.3425% | 603 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.3141% | 6,557 |
| Return on assets (ROA) | -0.3141% | 6,588 |
| Pretax return on assets | -0.3063% | 6,557 |
| Return on Equity (ROE) | -5.7816% | 6,651 |
| Retained earnings to average equity (ytd only) | -5.7816% | 6,500 |
| Net charge-offs to loans | 0.4658% | 1,416 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.9518% | 4,712 |
| Efficiency ratio | 107.5889% | 317 |
| Assets per employee ($millions) | 2.9355% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5746% | 905 |
| Loan loss allowance to noncurrent loans | 170.9091% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 1.4187% | 2,972 |
| Noncurrent loans to loans | 1.5064% | 3,039 |
| Net loans and leases to total assets | 71.2769% | 1,678 |
| Net loans and leases to deposits | 77.5266% | 2,639 |
| Net loans and leases to core deposits | 83.5251% | 2,622 |
| Total domestic deposits to total assets | 91.9385% | 264 |
| Equity capital to assets | 5.8051% | 6,757 |
| Core capital (leverage) ratio | 5.6991% | 6,779 |
| Tier 1 risk-based capital ratio | 7.5756% | 6,820 |
| Total risk-based capital ratio | 8.8413% | 6,820 |
| Memoranda: | ||
| Average total assets | $51,582,670 | 6,080 |
| Average earning assets | $46,725,330 | 6,076 |
| Average equity | $2,802,000 | 6,694 |
| Average total loans | $35,635,000 | 5,592 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8281% | 1,232 |
| Cost of funding earning assets | 0.6561% | 2,604 |
| Net interest margin | 4.1721% | 1,275 |
| Noninterest income to average assets | 0.2137% | 5,950 |
| Noninterest expense to average assets | 4.2959% | 631 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3128% | 6,583 |
| Return on assets (ROA) | -0.3128% | 6,616 |
| Pretax return on assets | -0.2976% | 6,601 |
| Return on Equity (ROE) | -5.9539% | 6,716 |
| Retained earnings to average equity (ytd only) | -5.9539% | 6,416 |
| Net charge-offs to loans | 1.0796% | 554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.4105% | 3,916 |
| Efficiency ratio | 107.4427% | 365 |
| Assets per employee ($millions) | 2.9814% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6747% | 940 |
| Loan loss allowance to noncurrent loans | 165.7143% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4166% | 3,148 |
| Noncurrent loans to loans | 1.6140% | 3,118 |
| Net loans and leases to total assets | 66.6259% | 2,256 |
| Net loans and leases to deposits | 72.1986% | 3,159 |
| Net loans and leases to core deposits | 74.6848% | 3,497 |
| Total domestic deposits to total assets | 92.2814% | 204 |
| Equity capital to assets | 5.4930% | 6,865 |
| Core capital (leverage) ratio | 5.4470% | 6,848 |
| Tier 1 risk-based capital ratio | 7.7741% | 6,866 |
| Total risk-based capital ratio | 9.0419% | 6,864 |
| Memoranda: | ||
| Average total assets | $52,422,000 | 6,115 |
| Average earning assets | $47,554,500 | 6,107 |
| Average equity | $2,754,500 | 6,774 |
| Average total loans | $35,197,500 | 5,655 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8434% | 2,047 |
| Cost of funding earning assets | 0.8667% | 2,168 |
| Net interest margin | 3.9767% | 2,485 |
| Noninterest income to average assets | 0.2369% | 5,751 |
| Noninterest expense to average assets | 4.3103% | 677 |
| Loan and lease loss provision to assets | -0.2296% | 6,992 |
| Net operating income to assets | -0.3085% | 6,450 |
| Return on assets (ROA) | -0.3085% | 6,503 |
| Pretax return on assets | -0.3049% | 6,479 |
| Return on Equity (ROE) | -6.0228% | 6,627 |
| Retained earnings to average equity (ytd only) | -6.0228% | 6,482 |
| Net charge-offs to loans | 0.1857% | 3,896 |
| Credit loss provision to net charge-offs | -186.5672% | 6,382 |
| Earnings coverage of net charge-offs (x) | -4.3433% | 5,900 |
| Efficiency ratio | 114.1537% | 273 |
| Assets per employee ($millions) | 3.3851% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8656% | 768 |
| Loan loss allowance to noncurrent loans | 173.9796% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 1.3774% | 3,333 |
| Noncurrent loans to loans | 1.6471% | 3,151 |
| Net loans and leases to total assets | 64.0239% | 2,892 |
| Net loans and leases to deposits | 68.9397% | 3,845 |
| Net loans and leases to core deposits | 71.5294% | 4,100 |
| Total domestic deposits to total assets | 92.8694% | 145 |
| Equity capital to assets | 5.0313% | 6,950 |
| Core capital (leverage) ratio | 5.2113% | 6,920 |
| Tier 1 risk-based capital ratio | 7.4468% | 6,933 |
| Total risk-based capital ratio | 8.7175% | 6,933 |
| Memoranda: | ||
| Average total assets | $54,451,000 | 6,064 |
| Average earning assets | $48,457,600 | 6,106 |
| Average equity | $2,789,400 | 6,825 |
| Average total loans | $36,084,800 | 5,675 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 1,874 |
| Cost of funding earning assets | 0.8942% | 2,211 |
| Net interest margin | 4.0432% | 2,321 |
| Noninterest income to average assets | 0.2470% | 5,790 |
| Noninterest expense to average assets | 4.3797% | 614 |
| Loan and lease loss provision to assets | -0.3057% | 7,120 |
| Net operating income to assets | -0.2494% | 6,531 |
| Return on assets (ROA) | -0.2494% | 6,598 |
| Pretax return on assets | -0.2445% | 6,562 |
| Return on Equity (ROE) | -4.8476% | 6,708 |
| Retained earnings to average equity (ytd only) | -4.8476% | 6,603 |
| Net charge-offs to loans | -0.1032% | 6,859 |
| Credit loss provision to net charge-offs | 446.4286% | 600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3678% | 240 |
| Assets per employee ($millions) | 3.2409% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1159% | 648 |
| Loan loss allowance to noncurrent loans | 191.7667% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 1.4290% | 3,465 |
| Noncurrent loans to loans | 1.6249% | 3,358 |
| Net loans and leases to total assets | 67.0369% | 2,448 |
| Net loans and leases to deposits | 72.5735% | 3,519 |
| Net loans and leases to core deposits | 76.4084% | 3,678 |
| Total domestic deposits to total assets | 92.3710% | 164 |
| Equity capital to assets | 5.3765% | 7,028 |
| Core capital (leverage) ratio | 5.4199% | 6,986 |
| Tier 1 risk-based capital ratio | 7.6361% | 7,015 |
| Total risk-based capital ratio | 8.9096% | 7,014 |
| Memoranda: | ||
| Average total assets | $54,523,500 | 6,136 |
| Average earning assets | $48,310,250 | 6,185 |
| Average equity | $2,805,500 | 6,909 |
| Average total loans | $36,181,250 | 5,745 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 2,336 |
| Cost of funding earning assets | 0.9087% | 2,327 |
| Net interest margin | 3.9325% | 2,783 |
| Noninterest income to average assets | 0.2382% | 5,862 |
| Noninterest expense to average assets | 4.3889% | 602 |
| Loan and lease loss provision to assets | -0.1949% | 7,154 |
| Net operating income to assets | -0.4800% | 6,724 |
| Return on assets (ROA) | -0.4800% | 6,765 |
| Pretax return on assets | -0.4728% | 6,735 |
| Return on Equity (ROE) | -9.4617% | 6,897 |
| Retained earnings to average equity (ytd only) | -9.4617% | 6,822 |
| Net charge-offs to loans | -0.0441% | 6,628 |
| Credit loss provision to net charge-offs | 675.0000% | 471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9437% | 242 |
| Assets per employee ($millions) | 3.4449% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2194% | 630 |
| Loan loss allowance to noncurrent loans | 197.1332% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 1.8713% | 2,944 |
| Noncurrent loans to loans | 1.6331% | 3,458 |
| Net loans and leases to total assets | 68.0071% | 2,290 |
| Net loans and leases to deposits | 73.5404% | 3,370 |
| Net loans and leases to core deposits | 77.4172% | 3,600 |
| Total domestic deposits to total assets | 92.4759% | 162 |
| Equity capital to assets | 5.3296% | 7,079 |
| Core capital (leverage) ratio | 5.0788% | 7,064 |
| Tier 1 risk-based capital ratio | 7.3987% | 7,068 |
| Total risk-based capital ratio | 8.6721% | 7,071 |
| Memoranda: | ||
| Average total assets | $55,413,000 | 6,150 |
| Average earning assets | $49,078,670 | 6,195 |
| Average equity | $2,811,330 | 6,952 |
| Average total loans | $36,281,670 | 5,774 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 2,848 |
| Cost of funding earning assets | 0.9263% | 2,467 |
| Net interest margin | 3.8238% | 3,273 |
| Noninterest income to average assets | 0.2444% | 5,889 |
| Noninterest expense to average assets | 4.5389% | 537 |
| Loan and lease loss provision to assets | -0.3771% | 7,246 |
| Net operating income to assets | -0.5586% | 6,860 |
| Return on assets (ROA) | -0.5586% | 6,883 |
| Pretax return on assets | -0.5447% | 6,848 |
| Return on Equity (ROE) | -11.2676% | 7,013 |
| Retained earnings to average equity (ytd only) | -11.2676% | 6,874 |
| Net charge-offs to loans | 0.0662% | 3,828 |
| Credit loss provision to net charge-offs | -900.0000% | 5,904 |
| Earnings coverage of net charge-offs (x) | -22.0000% | 4,707 |
| Efficiency ratio | 125.4826% | 182 |
| Assets per employee ($millions) | 3.5474% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2695% | 635 |
| Loan loss allowance to noncurrent loans | 159.9723% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 2.1935% | 2,693 |
| Noncurrent loans to loans | 2.0438% | 3,095 |
| Net loans and leases to total assets | 60.2054% | 3,620 |
| Net loans and leases to deposits | 66.9042% | 4,247 |
| Net loans and leases to core deposits | 70.1770% | 4,386 |
| Total domestic deposits to total assets | 89.9875% | 1,092 |
| Equity capital to assets | 4.9367% | 7,143 |
| Core capital (leverage) ratio | 4.8779% | 7,127 |
| Tier 1 risk-based capital ratio | 7.7114% | 7,100 |
| Total risk-based capital ratio | 8.9856% | 7,102 |
| Memoranda: | ||
| Average total assets | $57,282,500 | 6,142 |
| Average earning assets | $50,525,500 | 6,173 |
| Average equity | $2,840,000 | 6,993 |
| Average total loans | $36,267,000 | 5,811 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2671% | 1,809 |
| Cost of funding earning assets | 1.3780% | 1,130 |
| Net interest margin | 3.8891% | 3,383 |
| Noninterest income to average assets | -0.6494% | 7,284 |
| Noninterest expense to average assets | 4.9064% | 404 |
| Loan and lease loss provision to assets | 1.4032% | 554 |
| Net operating income to assets | -3.6190% | 7,232 |
| Return on assets (ROA) | -3.6190% | 7,234 |
| Pretax return on assets | -3.6158% | 7,241 |
| Return on Equity (ROE) | -70.1544% | 7,274 |
| Retained earnings to average equity (ytd only) | -70.1544% | 7,274 |
| Net charge-offs to loans | 3.0278% | 318 |
| Credit loss provision to net charge-offs | 68.8000% | 4,898 |
| Earnings coverage of net charge-offs (x) | -1.0848% | 6,205 |
| Efficiency ratio | 182.1320% | 76 |
| Assets per employee ($millions) | 3.6129% | 4,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2655% | 639 |
| Loan loss allowance to noncurrent loans | 139.0160% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 2.6589% | 2,292 |
| Noncurrent loans to loans | 2.3490% | 2,792 |
| Net loans and leases to total assets | 62.2634% | 3,547 |
| Net loans and leases to deposits | 71.5717% | 3,866 |
| Net loans and leases to core deposits | 74.7218% | 4,145 |
| Total domestic deposits to total assets | 86.9944% | 2,767 |
| Equity capital to assets | 4.9787% | 7,171 |
| Core capital (leverage) ratio | 4.9154% | 7,155 |
| Tier 1 risk-based capital ratio | 7.5226% | 7,131 |
| Total risk-based capital ratio | 8.7955% | 7,133 |
| Memoranda: | ||
| Average total assets | $61,287,000 | 6,004 |
| Average earning assets | $52,685,800 | 6,094 |
| Average equity | $3,161,600 | 6,978 |
| Average total loans | $41,283,800 | 5,629 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3791% | 1,576 |
| Cost of funding earning assets | 1.4276% | 1,120 |
| Net interest margin | 3.9515% | 3,151 |
| Noninterest income to average assets | -0.7443% | 7,388 |
| Noninterest expense to average assets | 4.6740% | 489 |
| Loan and lease loss provision to assets | 1.9970% | 277 |
| Net operating income to assets | -4.0413% | 7,334 |
| Return on assets (ROA) | -4.0413% | 7,336 |
| Pretax return on assets | -4.0370% | 7,336 |
| Return on Equity (ROE) | -77.7089% | 7,357 |
| Retained earnings to average equity (ytd only) | -77.7089% | 7,356 |
| Net charge-offs to loans | 4.1162% | 155 |
| Credit loss provision to net charge-offs | 71.2864% | 4,438 |
| Earnings coverage of net charge-offs (x) | -0.7282% | 5,885 |
| Efficiency ratio | 177.4430% | 78 |
| Assets per employee ($millions) | 3.8074% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2690% | 680 |
| Loan loss allowance to noncurrent loans | 132.9730% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 4.9837% | 1,158 |
| Noncurrent loans to loans | 2.4584% | 2,815 |
| Net loans and leases to total assets | 59.7459% | 4,176 |
| Net loans and leases to deposits | 69.9210% | 4,315 |
| Net loans and leases to core deposits | 72.8751% | 4,596 |
| Total domestic deposits to total assets | 85.4477% | 3,527 |
| Equity capital to assets | 5.2628% | 7,245 |
| Core capital (leverage) ratio | 5.2356% | 7,211 |
| Tier 1 risk-based capital ratio | 7.9745% | 7,195 |
| Total risk-based capital ratio | 9.2481% | 7,195 |
| Memoranda: | ||
| Average total assets | $62,157,250 | 6,030 |
| Average earning assets | $53,142,500 | 6,121 |
| Average equity | $3,232,500 | 7,009 |
| Average total loans | $42,303,000 | 5,637 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5904% | 1,089 |
| Cost of funding earning assets | 1.4672% | 1,130 |
| Net interest margin | 4.1232% | 2,325 |
| Noninterest income to average assets | -0.4315% | 7,419 |
| Noninterest expense to average assets | 4.9257% | 395 |
| Loan and lease loss provision to assets | 1.5183% | 467 |
| Net operating income to assets | -3.3786% | 7,352 |
| Return on assets (ROA) | -3.3786% | 7,358 |
| Pretax return on assets | -3.3722% | 7,350 |
| Return on Equity (ROE) | -65.2201% | 7,386 |
| Retained earnings to average equity (ytd only) | -65.2201% | 7,383 |
| Net charge-offs to loans | 3.1234% | 317 |
| Credit loss provision to net charge-offs | 69.3431% | 4,075 |
| Earnings coverage of net charge-offs (x) | -0.8467% | 5,611 |
| Efficiency ratio | 160.3538% | 122 |
| Assets per employee ($millions) | 3.8141% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4213% | 637 |
| Loan loss allowance to noncurrent loans | 81.0105% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 7.1838% | 695 |
| Noncurrent loans to loans | 4.2233% | 1,608 |
| Net loans and leases to total assets | 64.5282% | 3,353 |
| Net loans and leases to deposits | 76.2627% | 3,418 |
| Net loans and leases to core deposits | 77.5406% | 4,108 |
| Total domestic deposits to total assets | 84.6131% | 4,065 |
| Equity capital to assets | 6.1400% | 7,224 |
| Core capital (leverage) ratio | 6.0513% | 7,184 |
| Tier 1 risk-based capital ratio | 8.4653% | 7,216 |
| Total risk-based capital ratio | 9.7395% | 7,217 |
| Memoranda: | ||
| Average total assets | $62,570,330 | 6,067 |
| Average earning assets | $53,162,330 | 6,178 |
| Average equity | $3,241,330 | 7,059 |
| Average total loans | $43,862,000 | 5,617 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0252% | 451 |
| Cost of funding earning assets | 1.5137% | 1,111 |
| Net interest margin | 4.5115% | 1,045 |
| Noninterest income to average assets | -1.0988% | 7,541 |
| Noninterest expense to average assets | 4.8119% | 430 |
| Loan and lease loss provision to assets | 2.9996% | 156 |
| Net operating income to assets | -5.0835% | 7,491 |
| Return on assets (ROA) | -5.0835% | 7,492 |
| Pretax return on assets | -5.0708% | 7,483 |
| Return on Equity (ROE) | -107.7464% | 7,500 |
| Retained earnings to average equity (ytd only) | -107.7464% | 7,495 |
| Net charge-offs to loans | 5.6821% | 123 |
| Credit loss provision to net charge-offs | 73.6434% | 3,289 |
| Earnings coverage of net charge-offs (x) | -0.5085% | 4,795 |
| Efficiency ratio | 175.5760% | 89 |
| Assets per employee ($millions) | 3.9655% | 3,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4563% | 631 |
| Loan loss allowance to noncurrent loans | 123.3878% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 7.7197% | 633 |
| Noncurrent loans to loans | 2.8012% | 2,697 |
| Net loans and leases to total assets | 63.1746% | 3,610 |
| Net loans and leases to deposits | 73.5319% | 3,842 |
| Net loans and leases to core deposits | 75.0843% | 4,414 |
| Total domestic deposits to total assets | 85.9144% | 3,570 |
| Equity capital to assets | 5.0987% | 7,369 |
| Core capital (leverage) ratio | 5.1179% | 7,350 |
| Tier 1 risk-based capital ratio | 7.0111% | 7,366 |
| Total risk-based capital ratio | 8.2855% | 7,372 |
| Memoranda: | ||
| Average total assets | $63,342,500 | 6,083 |
| Average earning assets | $53,907,000 | 6,203 |
| Average equity | $2,988,500 | 7,169 |
| Average total loans | $45,406,000 | 5,591 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3656% | 2,831 |
| Cost of funding earning assets | 1.9001% | 843 |
| Net interest margin | 3.4655% | 5,380 |
| Noninterest income to average assets | -0.1339% | 7,421 |
| Noninterest expense to average assets | 4.2643% | 846 |
| Loan and lease loss provision to assets | 4.9621% | 79 |
| Net operating income to assets | -6.3013% | 7,589 |
| Return on assets (ROA) | -6.3013% | 7,591 |
| Pretax return on assets | -6.2957% | 7,595 |
| Return on Equity (ROE) | -103.2523% | 7,597 |
| Retained earnings to average equity (ytd only) | -103.2523% | 7,597 |
| Net charge-offs to loans | 5.8830% | 102 |
| Credit loss provision to net charge-offs | 109.3168% | 4,034 |
| Earnings coverage of net charge-offs (x) | -0.2938% | 6,356 |
| Efficiency ratio | 145.5026% | 238 |
| Assets per employee ($millions) | 3.9523% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2560% | 701 |
| Loan loss allowance to noncurrent loans | 41.1328% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 10.3926% | 382 |
| Noncurrent loans to loans | 7.9158% | 662 |
| Net loans and leases to total assets | 75.4131% | 1,400 |
| Net loans and leases to deposits | 87.0110% | 1,935 |
| Net loans and leases to core deposits | 88.8295% | 2,927 |
| Total domestic deposits to total assets | 86.6708% | 2,996 |
| Equity capital to assets | 4.3361% | 7,491 |
| Core capital (leverage) ratio | 4.1374% | 7,486 |
| Tier 1 risk-based capital ratio | 5.2565% | 7,514 |
| Total risk-based capital ratio | 6.5294% | 7,517 |
| Memoranda: | ||
| Average total assets | $70,937,600 | 5,857 |
| Average earning assets | $62,732,800 | 5,901 |
| Average equity | $4,329,200 | 6,882 |
| Average total loans | $54,733,600 | 5,284 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4215% | 2,785 |
| Cost of funding earning assets | 1.9492% | 884 |
| Net interest margin | 3.4723% | 5,412 |
| Noninterest income to average assets | -0.2068% | 7,596 |
| Noninterest expense to average assets | 4.1117% | 926 |
| Loan and lease loss provision to assets | 5.0724% | 83 |
| Net operating income to assets | -6.3094% | 7,700 |
| Return on assets (ROA) | -6.3094% | 7,702 |
| Pretax return on assets | -6.3039% | 7,695 |
| Return on Equity (ROE) | -97.2751% | 7,690 |
| Retained earnings to average equity (ytd only) | -97.2751% | 7,690 |
| Net charge-offs to loans | 6.7742% | 74 |
| Credit loss provision to net charge-offs | 97.2632% | 4,460 |
| Earnings coverage of net charge-offs (x) | -0.2361% | 6,200 |
| Efficiency ratio | 142.7573% | 236 |
| Assets per employee ($millions) | 3.7357% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3027% | 1,624 |
| Loan loss allowance to noncurrent loans | 25.7881% | 6,588 |
| Noncurrent assets plus other real estate owned to assets | 8.0395% | 625 |
| Noncurrent loans to loans | 8.9293% | 542 |
| Net loans and leases to total assets | 77.4177% | 1,144 |
| Net loans and leases to deposits | 89.3669% | 1,809 |
| Net loans and leases to core deposits | 94.5014% | 2,459 |
| Total domestic deposits to total assets | 86.6291% | 2,730 |
| Equity capital to assets | 4.9046% | 7,588 |
| Core capital (leverage) ratio | 4.6924% | 7,578 |
| Tier 1 risk-based capital ratio | 5.9999% | 7,605 |
| Total risk-based capital ratio | 7.2624% | 7,606 |
| Memoranda: | ||
| Average total assets | $72,862,750 | 5,859 |
| Average earning assets | $64,778,000 | 5,901 |
| Average equity | $4,726,000 | 6,834 |
| Average total loans | $56,093,500 | 5,303 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3096% | 3,425 |
| Cost of funding earning assets | 1.9982% | 918 |
| Net interest margin | 3.3114% | 5,977 |
| Noninterest income to average assets | -0.0883% | 7,624 |
| Noninterest expense to average assets | 4.0650% | 967 |
| Loan and lease loss provision to assets | 5.0444% | 105 |
| Net operating income to assets | -6.2540% | 7,749 |
| Return on assets (ROA) | -6.2540% | 7,753 |
| Pretax return on assets | -6.2487% | 7,742 |
| Return on Equity (ROE) | -89.8501% | 7,721 |
| Retained earnings to average equity (ytd only) | -89.8501% | 7,718 |
| Net charge-offs to loans | 6.5580% | 105 |
| Credit loss provision to net charge-offs | 100.8021% | 4,040 |
| Earnings coverage of net charge-offs (x) | -0.2406% | 5,897 |
| Efficiency ratio | 142.0954% | 243 |
| Assets per employee ($millions) | 4.0346% | 3,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3653% | 1,484 |
| Loan loss allowance to noncurrent loans | 25.7059% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 10.6798% | 351 |
| Noncurrent loans to loans | 9.2012% | 512 |
| Net loans and leases to total assets | 75.0286% | 1,687 |
| Net loans and leases to deposits | 87.0721% | 2,323 |
| Net loans and leases to core deposits | 96.2447% | 2,415 |
| Total domestic deposits to total assets | 86.1683% | 3,001 |
| Equity capital to assets | 5.9885% | 7,542 |
| Core capital (leverage) ratio | 5.9138% | 7,495 |
| Tier 1 risk-based capital ratio | 7.1903% | 7,584 |
| Total risk-based capital ratio | 8.4518% | 7,591 |
| Memoranda: | ||
| Average total assets | $74,736,000 | 5,848 |
| Average earning assets | $66,558,670 | 5,883 |
| Average equity | $5,202,000 | 6,711 |
| Average total loans | $57,029,670 | 5,308 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2883% | 3,601 |
| Cost of funding earning assets | 2.0367% | 990 |
| Net interest margin | 3.2517% | 6,125 |
| Noninterest income to average assets | 0.0792% | 7,305 |
| Noninterest expense to average assets | 3.6679% | 1,579 |
| Loan and lease loss provision to assets | 6.8872% | 85 |
| Net operating income to assets | -7.5522% | 7,856 |
| Return on assets (ROA) | -7.5522% | 7,858 |
| Pretax return on assets | -7.5522% | 7,848 |
| Return on Equity (ROE) | -101.6967% | 7,833 |
| Retained earnings to average equity (ytd only) | -101.6967% | 7,829 |
| Net charge-offs to loans | 7.5502% | 112 |
| Credit loss provision to net charge-offs | 119.9449% | 2,911 |
| Earnings coverage of net charge-offs (x) | -0.1158% | 5,112 |
| Efficiency ratio | 122.1441% | 417 |
| Assets per employee ($millions) | 4.3351% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6185% | 1,155 |
| Loan loss allowance to noncurrent loans | 36.2899% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 8.5024% | 559 |
| Noncurrent loans to loans | 7.2156% | 813 |
| Net loans and leases to total assets | 76.8037% | 1,366 |
| Net loans and leases to deposits | 90.0073% | 1,899 |
| Net loans and leases to core deposits | 103.2092% | 1,805 |
| Total domestic deposits to total assets | 85.3305% | 3,495 |
| Equity capital to assets | 6.6719% | 7,488 |
| Core capital (leverage) ratio | 6.3893% | 7,505 |
| Tier 1 risk-based capital ratio | 7.9866% | 7,614 |
| Total risk-based capital ratio | 9.2519% | 7,622 |
| Memoranda: | ||
| Average total assets | $75,792,500 | 5,882 |
| Average earning assets | $68,150,000 | 5,900 |
| Average equity | $5,628,500 | 6,638 |
| Average total loans | $57,640,500 | 5,353 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9217% | 2,153 |
| Cost of funding earning assets | 2.3936% | 1,320 |
| Net interest margin | 3.5281% | 4,826 |
| Noninterest income to average assets | 0.0497% | 7,502 |
| Noninterest expense to average assets | 3.4552% | 2,509 |
| Loan and lease loss provision to assets | 1.3749% | 1,670 |
| Net operating income to assets | -1.7200% | 6,973 |
| Return on assets (ROA) | -1.7200% | 6,978 |
| Pretax return on assets | -1.6123% | 6,768 |
| Return on Equity (ROE) | -17.5671% | 7,059 |
| Retained earnings to average equity (ytd only) | -17.5671% | 7,011 |
| Net charge-offs to loans | 0.8017% | 2,823 |
| Credit loss provision to net charge-offs | 213.2762% | 1,801 |
| Earnings coverage of net charge-offs (x) | -0.3683% | 6,601 |
| Efficiency ratio | 107.3788% | 859 |
| Assets per employee ($millions) | 4.8680% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2832% | 1,509 |
| Loan loss allowance to noncurrent loans | 30.8074% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 8.5995% | 483 |
| Noncurrent loans to loans | 7.4112% | 720 |
| Net loans and leases to total assets | 71.7081% | 2,831 |
| Net loans and leases to deposits | 85.0184% | 3,083 |
| Net loans and leases to core deposits | 123.2854% | 1,693 |
| Total domestic deposits to total assets | 84.3442% | 3,868 |
| Equity capital to assets | 8.1399% | 6,418 |
| Core capital (leverage) ratio | 8.1307% | 5,942 |
| Tier 1 risk-based capital ratio | 10.2181% | 6,665 |
| Total risk-based capital ratio | 11.4784% | 6,628 |
| Memoranda: | ||
| Average total assets | $72,441,200 | 5,929 |
| Average earning assets | $65,049,000 | 5,955 |
| Average equity | $7,092,800 | 6,238 |
| Average total loans | $58,250,000 | 5,329 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1537% | 1,485 |
| Cost of funding earning assets | 2.4514% | 1,439 |
| Net interest margin | 3.7022% | 4,060 |
| Noninterest income to average assets | 0.0675% | 7,573 |
| Noninterest expense to average assets | 3.4965% | 2,290 |
| Loan and lease loss provision to assets | 1.7276% | 1,071 |
| Net operating income to assets | -1.1123% | 6,910 |
| Return on assets (ROA) | -1.1123% | 6,910 |
| Pretax return on assets | -1.8308% | 7,101 |
| Return on Equity (ROE) | -10.8591% | 6,948 |
| Retained earnings to average equity (ytd only) | -10.8591% | 6,878 |
| Net charge-offs to loans | 1.0639% | 1,866 |
| Credit loss provision to net charge-offs | 197.2163% | 2,279 |
| Earnings coverage of net charge-offs (x) | -0.1178% | 6,203 |
| Efficiency ratio | 103.0404% | 948 |
| Assets per employee ($millions) | 4.3092% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1470% | 1,507 |
| Loan loss allowance to noncurrent loans | 47.5454% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 6.9017% | 700 |
| Noncurrent loans to loans | 4.5156% | 1,547 |
| Net loans and leases to total assets | 76.5251% | 1,887 |
| Net loans and leases to deposits | 94.2771% | 1,843 |
| Net loans and leases to core deposits | 119.8094% | 2,261 |
| Total domestic deposits to total assets | 81.1704% | 5,008 |
| Equity capital to assets | 9.5445% | 4,687 |
| Core capital (leverage) ratio | 9.4626% | 3,961 |
| Tier 1 risk-based capital ratio | 10.3510% | 6,621 |
| Total risk-based capital ratio | 11.6097% | 6,555 |
| Memoranda: | ||
| Average total assets | $71,079,500 | 6,008 |
| Average earning assets | $63,852,000 | 6,042 |
| Average equity | $7,281,000 | 6,235 |
| Average total loans | $58,523,250 | 5,359 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1398% | 1,648 |
| Cost of funding earning assets | 2.5371% | 1,486 |
| Net interest margin | 3.6026% | 4,349 |
| Noninterest income to average assets | 0.0569% | 7,703 |
| Noninterest expense to average assets | 3.5449% | 2,207 |
| Loan and lease loss provision to assets | 2.4050% | 658 |
| Net operating income to assets | -1.5863% | 7,284 |
| Return on assets (ROA) | -1.5863% | 7,289 |
| Pretax return on assets | -2.6154% | 7,453 |
| Return on Equity (ROE) | -15.1274% | 7,335 |
| Retained earnings to average equity (ytd only) | -15.1274% | 7,243 |
| Net charge-offs to loans | 0.7602% | 2,157 |
| Credit loss provision to net charge-offs | 377.6786% | 1,230 |
| Earnings coverage of net charge-offs (x) | -0.3304% | 5,978 |
| Efficiency ratio | 106.3086% | 960 |
| Assets per employee ($millions) | 4.2291% | 3,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3675% | 1,027 |
| Loan loss allowance to noncurrent loans | 72.0990% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 4.3842% | 1,301 |
| Noncurrent loans to loans | 3.2837% | 2,154 |
| Net loans and leases to total assets | 80.1903% | 1,278 |
| Net loans and leases to deposits | 97.5862% | 1,587 |
| Net loans and leases to core deposits | 118.7379% | 2,479 |
| Total domestic deposits to total assets | 82.1738% | 4,619 |
| Equity capital to assets | 9.7741% | 4,252 |
| Core capital (leverage) ratio | 9.3811% | 4,053 |
| Tier 1 risk-based capital ratio | 10.3420% | 6,544 |
| Total risk-based capital ratio | 11.6030% | 6,469 |
| Memoranda: | ||
| Average total assets | $70,353,670 | 6,070 |
| Average earning assets | $64,009,000 | 6,078 |
| Average equity | $7,377,330 | 6,236 |
| Average total loans | $58,934,330 | 5,383 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3083% | 1,277 |
| Cost of funding earning assets | 2.5523% | 1,731 |
| Net interest margin | 3.7560% | 3,631 |
| Noninterest income to average assets | 0.0517% | 7,821 |
| Noninterest expense to average assets | 3.4548% | 2,215 |
| Loan and lease loss provision to assets | 0.4886% | 2,524 |
| Net operating income to assets | -0.2817% | 6,654 |
| Return on assets (ROA) | -0.2817% | 6,733 |
| Pretax return on assets | -0.4656% | 6,797 |
| Return on Equity (ROE) | -2.5952% | 6,732 |
| Retained earnings to average equity (ytd only) | -2.5952% | 6,207 |
| Net charge-offs to loans | 0.1631% | 3,662 |
| Credit loss provision to net charge-offs | 354.1667% | 1,428 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 4,849 |
| Efficiency ratio | 99.3388% | 1,161 |
| Assets per employee ($millions) | 4.6788% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 3,484 |
| Loan loss allowance to noncurrent loans | 99.4062% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 2.8881% | 1,974 |
| Noncurrent loans to loans | 1.4113% | 4,190 |
| Net loans and leases to total assets | 78.5800% | 1,673 |
| Net loans and leases to deposits | 95.7485% | 1,986 |
| Net loans and leases to core deposits | 115.0769% | 2,904 |
| Total domestic deposits to total assets | 82.0692% | 4,521 |
| Equity capital to assets | 10.0588% | 3,933 |
| Core capital (leverage) ratio | 11.3731% | 2,231 |
| Tier 1 risk-based capital ratio | 11.0911% | 5,820 |
| Total risk-based capital ratio | 12.3417% | 5,727 |
| Memoranda: | ||
| Average total assets | $69,583,500 | 6,122 |
| Average earning assets | $63,472,000 | 6,127 |
| Average equity | $7,552,500 | 6,204 |
| Average total loans | $58,876,500 | 5,409 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5816% | 351 |
| Cost of funding earning assets | 3.0129% | 1,829 |
| Net interest margin | 4.5687% | 1,261 |
| Noninterest income to average assets | 0.0628% | 7,835 |
| Noninterest expense to average assets | 3.7645% | 1,823 |
| Loan and lease loss provision to assets | 0.4435% | 3,072 |
| Net operating income to assets | 0.0259% | 6,294 |
| Return on assets (ROA) | 0.0259% | 6,147 |
| Pretax return on assets | 0.0499% | 6,047 |
| Return on Equity (ROE) | 0.1851% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.1851% | 5,121 |
| Net charge-offs to loans | 0.0042% | 6,929 |
| Credit loss provision to net charge-offs | 12,000.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 133.5000% | 334 |
| Efficiency ratio | 88.4115% | 1,641 |
| Assets per employee ($millions) | 4.0192% | 3,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 3,555 |
| Loan loss allowance to noncurrent loans | 42.9441% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 3.3682% | 1,335 |
| Noncurrent loans to loans | 3.1106% | 1,708 |
| Net loans and leases to total assets | 89.1272% | 269 |
| Net loans and leases to deposits | 117.3502% | 466 |
| Net loans and leases to core deposits | 146.4733% | 996 |
| Total domestic deposits to total assets | 75.9497% | 6,255 |
| Equity capital to assets | 11.7794% | 2,447 |
| Core capital (leverage) ratio | 12.3845% | 1,794 |
| Tier 1 risk-based capital ratio | 11.6099% | 5,147 |
| Total risk-based capital ratio | 12.8284% | 5,058 |
| Memoranda: | ||
| Average total assets | $54,110,800 | 6,615 |
| Average earning assets | $49,686,400 | 6,602 |
| Average equity | $7,564,800 | 6,251 |
| Average total loans | $48,037,800 | 5,789 |