Home > Savoy Bank > Performance and Condition Ratios
Savoy Bank, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4881% | 788 |
| Cost of funding earning assets | 0.7774% | 395 |
| Net interest margin | 3.7107% | 1,312 |
| Noninterest income to average assets | 0.8993% | 1,328 |
| Noninterest expense to average assets | 1.8612% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8829% | 685 |
| Return on assets (ROA) | 1.8829% | 736 |
| Pretax return on assets | 2.6565% | 348 |
| Return on Equity (ROE) | 25.5750% | 238 |
| Retained earnings to average equity (ytd only) | 25.5750% | 126 |
| Net charge-offs to loans | -0.0334% | 4,226 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1982% | 4,703 |
| Assets per employee ($millions) | 15.0344% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 1,963 |
| Loan loss allowance to noncurrent loans | 138.1743% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 1.0960% | 723 |
| Noncurrent loans to loans | 1.0122% | 1,320 |
| Net loans and leases to total assets | 85.6367% | 97 |
| Net loans and leases to deposits | 162.1331% | 13 |
| Net loans and leases to core deposits | 192.7420% | 40 |
| Total domestic deposits to total assets | 52.8188% | 4,918 |
| Equity capital to assets | 7.0943% | 4,822 |
| Core capital (leverage) ratio | 11.2331% | 1,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6581% | 1,395 |
| Memoranda: | ||
| Average total assets | $645,820,500 | 1,367 |
| Average earning assets | $629,753,000 | 1,322 |
| Average equity | $47,546,500 | 1,836 |
| Average total loans | $551,123,000 | 1,109 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0922% | 420 |
| Cost of funding earning assets | 1.2427% | 232 |
| Net interest margin | 3.8494% | 1,357 |
| Noninterest income to average assets | 0.7300% | 1,743 |
| Noninterest expense to average assets | 2.3250% | 3,340 |
| Loan and lease loss provision to assets | 0.6384% | 288 |
| Net operating income to assets | 1.0751% | 2,003 |
| Return on assets (ROA) | 1.0775% | 2,138 |
| Pretax return on assets | 1.5210% | 1,267 |
| Return on Equity (ROE) | 12.8699% | 1,073 |
| Retained earnings to average equity (ytd only) | 11.7501% | 348 |
| Net charge-offs to loans | 0.0406% | 2,247 |
| Credit loss provision to net charge-offs | 1,799.4505% | 479 |
| Earnings coverage of net charge-offs (x) | 60.7802% | 1,062 |
| Efficiency ratio | 51.8834% | 4,394 |
| Assets per employee ($millions) | 13.9549% | 215 |
| Cash dividends to net income (ytd only)* | 8.7012% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6657% | 1,122 |
| Loan loss allowance to noncurrent loans | 133.8728% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 1.2900% | 627 |
| Noncurrent loans to loans | 1.2442% | 1,106 |
| Net loans and leases to total assets | 82.1989% | 280 |
| Net loans and leases to deposits | 137.2205% | 33 |
| Net loans and leases to core deposits | 163.3798% | 68 |
| Total domestic deposits to total assets | 59.9028% | 4,912 |
| Equity capital to assets | 7.6709% | 4,808 |
| Core capital (leverage) ratio | 10.6626% | 2,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2796% | 1,453 |
| Memoranda: | ||
| Average total assets | $513,023,400 | 1,510 |
| Average earning assets | $499,942,800 | 1,456 |
| Average equity | $42,952,800 | 1,908 |
| Average total loans | $448,112,000 | 1,232 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3198% | 338 |
| Cost of funding earning assets | 1.3368% | 206 |
| Net interest margin | 3.9830% | 1,152 |
| Noninterest income to average assets | 0.5955% | 2,196 |
| Noninterest expense to average assets | 2.5330% | 2,736 |
| Loan and lease loss provision to assets | 0.7261% | 280 |
| Net operating income to assets | 0.8784% | 2,781 |
| Return on assets (ROA) | 0.8818% | 2,897 |
| Pretax return on assets | 1.2208% | 2,325 |
| Return on Equity (ROE) | 10.2692% | 1,921 |
| Retained earnings to average equity (ytd only) | 8.7489% | 1,055 |
| Net charge-offs to loans | 0.0745% | 1,567 |
| Credit loss provision to net charge-offs | 1,100.8230% | 781 |
| Earnings coverage of net charge-offs (x) | 29.4527% | 1,602 |
| Efficiency ratio | 56.5979% | 3,846 |
| Assets per employee ($millions) | 13.0642% | 252 |
| Cash dividends to net income (ytd only)* | 14.8046% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 1,665 |
| Loan loss allowance to noncurrent loans | 202.9544% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 1,277 |
| Noncurrent loans to loans | 0.6979% | 2,050 |
| Net loans and leases to total assets | 91.0876% | 25 |
| Net loans and leases to deposits | 160.3981% | 20 |
| Net loans and leases to core deposits | 192.6196% | 43 |
| Total domestic deposits to total assets | 56.7884% | 4,947 |
| Equity capital to assets | 7.4426% | 4,870 |
| Core capital (leverage) ratio | 11.0913% | 1,831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9921% | 1,834 |
| Memoranda: | ||
| Average total assets | $491,264,500 | 1,558 |
| Average earning assets | $478,553,500 | 1,487 |
| Average equity | $42,183,500 | 1,927 |
| Average total loans | $434,740,750 | 1,258 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6171% | 270 |
| Cost of funding earning assets | 1.4794% | 172 |
| Net interest margin | 4.1376% | 1,044 |
| Noninterest income to average assets | 0.6426% | 1,967 |
| Noninterest expense to average assets | 2.6990% | 2,383 |
| Loan and lease loss provision to assets | 0.8278% | 288 |
| Net operating income to assets | 0.8323% | 2,928 |
| Return on assets (ROA) | 0.8378% | 3,029 |
| Pretax return on assets | 1.1511% | 2,545 |
| Return on Equity (ROE) | 9.2319% | 2,269 |
| Retained earnings to average equity (ytd only) | 6.9227% | 1,693 |
| Net charge-offs to loans | -0.0326% | 4,570 |
| Credit loss provision to net charge-offs | -2,923.0769% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7838% | 3,722 |
| Assets per employee ($millions) | 13.5670% | 219 |
| Cash dividends to net income (ytd only)* | 25.0130% | 2,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3854% | 1,636 |
| Loan loss allowance to noncurrent loans | 192.2586% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 1,397 |
| Noncurrent loans to loans | 0.7206% | 2,073 |
| Net loans and leases to total assets | 86.1738% | 131 |
| Net loans and leases to deposits | 147.8249% | 26 |
| Net loans and leases to core deposits | 172.3073% | 64 |
| Total domestic deposits to total assets | 58.2945% | 4,975 |
| Equity capital to assets | 7.1073% | 4,957 |
| Core capital (leverage) ratio | 9.8194% | 3,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1571% | 1,742 |
| Memoranda: | ||
| Average total assets | $459,056,333 | 1,628 |
| Average earning assets | $446,923,333 | 1,552 |
| Average equity | $41,660,000 | 1,931 |
| Average total loans | $398,591,667 | 1,326 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0236% | 159 |
| Cost of funding earning assets | 1.7666% | 100 |
| Net interest margin | 4.2570% | 826 |
| Noninterest income to average assets | 0.9649% | 923 |
| Noninterest expense to average assets | 3.1704% | 1,485 |
| Loan and lease loss provision to assets | 0.4101% | 742 |
| Net operating income to assets | 1.1079% | 1,822 |
| Return on assets (ROA) | 1.1176% | 1,887 |
| Pretax return on assets | 1.5278% | 1,239 |
| Return on Equity (ROE) | 10.5629% | 1,550 |
| Retained earnings to average equity (ytd only) | 5.9017% | 1,916 |
| Net charge-offs to loans | -0.0380% | 4,547 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2133% | 3,477 |
| Assets per employee ($millions) | 8.8340% | 562 |
| Cash dividends to net income (ytd only)* | 44.1284% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6655% | 926 |
| Loan loss allowance to noncurrent loans | 175.6865% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1926% | 1,046 |
| Noncurrent loans to loans | 0.9480% | 1,735 |
| Net loans and leases to total assets | 84.5699% | 229 |
| Net loans and leases to deposits | 98.8695% | 633 |
| Net loans and leases to core deposits | 121.0239% | 441 |
| Total domestic deposits to total assets | 85.5369% | 2,197 |
| Equity capital to assets | 10.4636% | 3,357 |
| Core capital (leverage) ratio | 10.6132% | 2,834 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0778% | 2,252 |
| Memoranda: | ||
| Average total assets | $390,110,500 | 1,805 |
| Average earning assets | $378,576,500 | 1,746 |
| Average equity | $41,276,500 | 1,941 |
| Average total loans | $337,067,500 | 1,495 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5184% | 110 |
| Cost of funding earning assets | 1.8784% | 107 |
| Net interest margin | 4.6400% | 533 |
| Noninterest income to average assets | 1.1804% | 679 |
| Noninterest expense to average assets | 3.0430% | 1,903 |
| Loan and lease loss provision to assets | 0.7664% | 136 |
| Net operating income to assets | 1.4397% | 1,220 |
| Return on assets (ROA) | 1.4397% | 1,280 |
| Pretax return on assets | 1.8912% | 758 |
| Return on Equity (ROE) | 14.0009% | 895 |
| Retained earnings to average equity (ytd only) | 14.0009% | 125 |
| Net charge-offs to loans | 0.7238% | 230 |
| Credit loss provision to net charge-offs | 123.4246% | 2,061 |
| Earnings coverage of net charge-offs (x) | 4.2799% | 3,233 |
| Efficiency ratio | 53.3800% | 4,488 |
| Assets per employee ($millions) | 8.8998% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5837% | 1,012 |
| Loan loss allowance to noncurrent loans | 228.9817% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 1,179 |
| Noncurrent loans to loans | 0.6916% | 2,155 |
| Net loans and leases to total assets | 85.4444% | 207 |
| Net loans and leases to deposits | 100.3480% | 584 |
| Net loans and leases to core deposits | 118.6996% | 512 |
| Total domestic deposits to total assets | 85.1481% | 2,439 |
| Equity capital to assets | 10.7023% | 3,254 |
| Core capital (leverage) ratio | 10.6165% | 2,842 |
| Tier 1 risk-based capital ratio | 12.9247% | 3,826 |
| Total risk-based capital ratio | 14.1804% | 3,706 |
| Memoranda: | ||
| Average total assets | $370,551,400 | 1,841 |
| Average earning assets | $360,990,800 | 1,777 |
| Average equity | $38,104,600 | 2,003 |
| Average total loans | $317,922,000 | 1,532 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5078% | 111 |
| Cost of funding earning assets | 1.8714% | 110 |
| Net interest margin | 4.6364% | 566 |
| Noninterest income to average assets | 1.1265% | 714 |
| Noninterest expense to average assets | 2.9923% | 1,999 |
| Loan and lease loss provision to assets | 0.8943% | 110 |
| Net operating income to assets | 1.3365% | 1,691 |
| Return on assets (ROA) | 1.3365% | 1,765 |
| Pretax return on assets | 1.7610% | 1,181 |
| Return on Equity (ROE) | 13.1364% | 1,226 |
| Retained earnings to average equity (ytd only) | 13.1364% | 268 |
| Net charge-offs to loans | 1.0515% | 133 |
| Credit loss provision to net charge-offs | 99.4353% | 2,284 |
| Earnings coverage of net charge-offs (x) | 2.9524% | 3,149 |
| Efficiency ratio | 52.9839% | 4,505 |
| Assets per employee ($millions) | 9.5422% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,411 |
| Loan loss allowance to noncurrent loans | 104.1584% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 1,074 |
| Noncurrent loans to loans | 1.3874% | 1,105 |
| Net loans and leases to total assets | 84.1384% | 339 |
| Net loans and leases to deposits | 99.0177% | 720 |
| Net loans and leases to core deposits | 113.0047% | 794 |
| Total domestic deposits to total assets | 84.9731% | 2,436 |
| Equity capital to assets | 10.2963% | 3,734 |
| Core capital (leverage) ratio | 10.3304% | 3,281 |
| Tier 1 risk-based capital ratio | 12.8815% | 3,913 |
| Total risk-based capital ratio | 14.1356% | 3,809 |
| Memoranda: | ||
| Average total assets | $367,516,250 | 1,868 |
| Average earning assets | $358,370,750 | 1,800 |
| Average equity | $37,391,500 | 2,047 |
| Average total loans | $314,339,750 | 1,557 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4563% | 118 |
| Cost of funding earning assets | 1.8305% | 111 |
| Net interest margin | 4.6258% | 585 |
| Noninterest income to average assets | 1.1726% | 625 |
| Noninterest expense to average assets | 3.0916% | 1,753 |
| Loan and lease loss provision to assets | 0.8076% | 124 |
| Net operating income to assets | 1.3358% | 1,632 |
| Return on assets (ROA) | 1.3358% | 1,697 |
| Pretax return on assets | 1.7856% | 1,075 |
| Return on Equity (ROE) | 13.1845% | 1,187 |
| Retained earnings to average equity (ytd only) | 13.1845% | 287 |
| Net charge-offs to loans | 0.8309% | 170 |
| Credit loss provision to net charge-offs | 113.5659% | 1,816 |
| Earnings coverage of net charge-offs (x) | 3.6465% | 2,815 |
| Efficiency ratio | 54.3832% | 4,427 |
| Assets per employee ($millions) | 8.7401% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5828% | 1,065 |
| Loan loss allowance to noncurrent loans | 84.3320% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 688 |
| Noncurrent loans to loans | 1.8769% | 795 |
| Net loans and leases to total assets | 82.9647% | 476 |
| Net loans and leases to deposits | 97.9021% | 855 |
| Net loans and leases to core deposits | 109.4704% | 1,002 |
| Total domestic deposits to total assets | 84.7425% | 2,584 |
| Equity capital to assets | 10.3578% | 3,644 |
| Core capital (leverage) ratio | 10.1744% | 3,412 |
| Tier 1 risk-based capital ratio | 13.1074% | 3,782 |
| Total risk-based capital ratio | 14.3634% | 3,685 |
| Memoranda: | ||
| Average total assets | $362,792,000 | 1,893 |
| Average earning assets | $353,887,670 | 1,821 |
| Average equity | $36,755,330 | 2,072 |
| Average total loans | $310,501,000 | 1,573 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5122% | 120 |
| Cost of funding earning assets | 1.7596% | 122 |
| Net interest margin | 4.7525% | 442 |
| Noninterest income to average assets | 1.2422% | 531 |
| Noninterest expense to average assets | 3.1288% | 1,663 |
| Loan and lease loss provision to assets | 0.9039% | 102 |
| Net operating income to assets | 1.3809% | 1,431 |
| Return on assets (ROA) | 1.3809% | 1,463 |
| Pretax return on assets | 1.8467% | 878 |
| Return on Equity (ROE) | 13.7866% | 1,013 |
| Retained earnings to average equity (ytd only) | 13.7866% | 371 |
| Net charge-offs to loans | 1.1690% | 108 |
| Credit loss provision to net charge-offs | 89.6590% | 1,719 |
| Earnings coverage of net charge-offs (x) | 2.7283% | 2,467 |
| Efficiency ratio | 53.2164% | 4,603 |
| Assets per employee ($millions) | 8.6461% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 1,370 |
| Loan loss allowance to noncurrent loans | 80.9266% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.5385% | 766 |
| Noncurrent loans to loans | 1.8396% | 833 |
| Net loans and leases to total assets | 82.3888% | 539 |
| Net loans and leases to deposits | 95.1160% | 1,053 |
| Net loans and leases to core deposits | 105.6829% | 1,195 |
| Total domestic deposits to total assets | 86.6193% | 1,995 |
| Equity capital to assets | 9.8978% | 3,920 |
| Core capital (leverage) ratio | 10.0884% | 3,504 |
| Tier 1 risk-based capital ratio | 12.7952% | 3,981 |
| Total risk-based capital ratio | 14.0502% | 3,877 |
| Memoranda: | ||
| Average total assets | $360,646,000 | 1,915 |
| Average earning assets | $351,896,000 | 1,842 |
| Average equity | $36,122,000 | 2,089 |
| Average total loans | $311,027,500 | 1,586 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1014% | 144 |
| Cost of funding earning assets | 1.4108% | 133 |
| Net interest margin | 4.6905% | 500 |
| Noninterest income to average assets | 0.8782% | 1,234 |
| Noninterest expense to average assets | 2.9147% | 2,302 |
| Loan and lease loss provision to assets | 0.7654% | 128 |
| Net operating income to assets | 1.3445% | 1,638 |
| Return on assets (ROA) | 1.3445% | 1,625 |
| Pretax return on assets | 1.7821% | 967 |
| Return on Equity (ROE) | 13.7928% | 1,099 |
| Retained earnings to average equity (ytd only) | 13.7928% | 177 |
| Net charge-offs to loans | 0.3851% | 487 |
| Credit loss provision to net charge-offs | 233.4888% | 1,266 |
| Earnings coverage of net charge-offs (x) | 7.7715% | 2,959 |
| Efficiency ratio | 53.3617% | 4,674 |
| Assets per employee ($millions) | 8.5099% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 1,236 |
| Loan loss allowance to noncurrent loans | 88.6782% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.5265% | 765 |
| Noncurrent loans to loans | 1.7119% | 843 |
| Net loans and leases to total assets | 87.8167% | 126 |
| Net loans and leases to deposits | 101.7433% | 612 |
| Net loans and leases to core deposits | 113.4245% | 803 |
| Total domestic deposits to total assets | 86.3120% | 2,081 |
| Equity capital to assets | 9.9855% | 3,695 |
| Core capital (leverage) ratio | 10.2347% | 3,322 |
| Tier 1 risk-based capital ratio | 12.4800% | 4,149 |
| Total risk-based capital ratio | 13.7354% | 4,012 |
| Memoranda: | ||
| Average total assets | $327,029,600 | 2,009 |
| Average earning assets | $319,600,200 | 1,929 |
| Average equity | $31,879,000 | 2,226 |
| Average total loans | $278,356,200 | 1,681 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9524% | 165 |
| Cost of funding earning assets | 1.3596% | 123 |
| Net interest margin | 4.5928% | 609 |
| Noninterest income to average assets | 0.9777% | 992 |
| Noninterest expense to average assets | 2.9472% | 2,175 |
| Loan and lease loss provision to assets | 0.7580% | 125 |
| Net operating income to assets | 1.3293% | 1,744 |
| Return on assets (ROA) | 1.3293% | 1,753 |
| Pretax return on assets | 1.7630% | 1,103 |
| Return on Equity (ROE) | 13.7275% | 1,190 |
| Retained earnings to average equity (ytd only) | 13.7275% | 276 |
| Net charge-offs to loans | 0.0671% | 1,877 |
| Credit loss provision to net charge-offs | 1,344.1176% | 303 |
| Earnings coverage of net charge-offs (x) | 44.7056% | 1,262 |
| Efficiency ratio | 53.8975% | 4,618 |
| Assets per employee ($millions) | 8.8057% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 791 |
| Loan loss allowance to noncurrent loans | 65.2698% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.2820% | 419 |
| Noncurrent loans to loans | 2.6873% | 458 |
| Net loans and leases to total assets | 83.4282% | 525 |
| Net loans and leases to deposits | 95.6287% | 1,197 |
| Net loans and leases to core deposits | 102.2781% | 1,584 |
| Total domestic deposits to total assets | 87.2418% | 1,623 |
| Equity capital to assets | 9.7508% | 3,871 |
| Core capital (leverage) ratio | 9.6633% | 3,983 |
| Tier 1 risk-based capital ratio | 11.2897% | 4,903 |
| Total risk-based capital ratio | 12.5455% | 4,795 |
| Memoranda: | ||
| Average total assets | $321,560,750 | 2,049 |
| Average earning assets | $314,397,250 | 1,962 |
| Average equity | $31,138,750 | 2,274 |
| Average total loans | $270,165,250 | 1,726 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9403% | 154 |
| Cost of funding earning assets | 1.2496% | 150 |
| Net interest margin | 4.6907% | 448 |
| Noninterest income to average assets | 1.2080% | 661 |
| Noninterest expense to average assets | 2.9400% | 2,226 |
| Loan and lease loss provision to assets | 0.8215% | 105 |
| Net operating income to assets | 1.5189% | 1,111 |
| Return on assets (ROA) | 1.5189% | 1,110 |
| Pretax return on assets | 2.0308% | 567 |
| Return on Equity (ROE) | 15.7233% | 726 |
| Retained earnings to average equity (ytd only) | 15.7233% | 168 |
| Net charge-offs to loans | 0.1439% | 1,061 |
| Credit loss provision to net charge-offs | 682.1990% | 569 |
| Earnings coverage of net charge-offs (x) | 23.6859% | 1,702 |
| Efficiency ratio | 50.7565% | 4,978 |
| Assets per employee ($millions) | 9.4181% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5922% | 1,139 |
| Loan loss allowance to noncurrent loans | 122.6741% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.0302% | 1,458 |
| Noncurrent loans to loans | 1.2979% | 1,314 |
| Net loans and leases to total assets | 78.1127% | 1,294 |
| Net loans and leases to deposits | 88.4867% | 2,050 |
| Net loans and leases to core deposits | 95.2891% | 2,127 |
| Total domestic deposits to total assets | 88.2762% | 1,232 |
| Equity capital to assets | 9.1402% | 4,442 |
| Core capital (leverage) ratio | 10.1154% | 3,465 |
| Tier 1 risk-based capital ratio | 11.3039% | 4,897 |
| Total risk-based capital ratio | 12.5579% | 4,791 |
| Memoranda: | ||
| Average total assets | $317,208,670 | 2,078 |
| Average earning assets | $310,018,000 | 1,986 |
| Average equity | $30,642,330 | 2,314 |
| Average total loans | $265,504,000 | 1,759 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8674% | 166 |
| Cost of funding earning assets | 1.2289% | 122 |
| Net interest margin | 4.6385% | 458 |
| Noninterest income to average assets | 1.5717% | 395 |
| Noninterest expense to average assets | 3.0493% | 1,947 |
| Loan and lease loss provision to assets | 1.0239% | 82 |
| Net operating income to assets | 1.5240% | 1,024 |
| Return on assets (ROA) | 1.5240% | 1,028 |
| Pretax return on assets | 2.0293% | 541 |
| Return on Equity (ROE) | 15.3006% | 754 |
| Retained earnings to average equity (ytd only) | 15.3006% | 304 |
| Net charge-offs to loans | 0.3955% | 393 |
| Credit loss provision to net charge-offs | 300.3891% | 808 |
| Earnings coverage of net charge-offs (x) | 8.9572% | 1,999 |
| Efficiency ratio | 49.9674% | 5,088 |
| Assets per employee ($millions) | 8.6044% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 1,790 |
| Loan loss allowance to noncurrent loans | 211.0310% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 2,581 |
| Noncurrent loans to loans | 0.6692% | 2,541 |
| Net loans and leases to total assets | 85.7928% | 274 |
| Net loans and leases to deposits | 98.2967% | 838 |
| Net loans and leases to core deposits | 110.4282% | 973 |
| Total domestic deposits to total assets | 87.2795% | 2,017 |
| Equity capital to assets | 9.8790% | 3,717 |
| Core capital (leverage) ratio | 10.2518% | 3,238 |
| Tier 1 risk-based capital ratio | 11.1525% | 5,054 |
| Total risk-based capital ratio | 12.4046% | 4,950 |
| Memoranda: | ||
| Average total assets | $301,577,500 | 2,182 |
| Average earning assets | $294,575,500 | 2,094 |
| Average equity | $30,038,000 | 2,364 |
| Average total loans | $259,954,000 | 1,792 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8971% | 152 |
| Cost of funding earning assets | 0.9474% | 296 |
| Net interest margin | 4.9497% | 256 |
| Noninterest income to average assets | 1.2424% | 684 |
| Noninterest expense to average assets | 2.9818% | 2,212 |
| Loan and lease loss provision to assets | 0.8895% | 121 |
| Net operating income to assets | 1.4082% | 999 |
| Return on assets (ROA) | 1.4082% | 1,016 |
| Pretax return on assets | 2.1774% | 329 |
| Return on Equity (ROE) | 14.0593% | 750 |
| Retained earnings to average equity (ytd only) | 14.0593% | 105 |
| Net charge-offs to loans | 0.8700% | 227 |
| Credit loss provision to net charge-offs | 122.6606% | 2,130 |
| Earnings coverage of net charge-offs (x) | 4.2291% | 3,500 |
| Efficiency ratio | 49.2965% | 5,258 |
| Assets per employee ($millions) | 9.1686% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,150 |
| Loan loss allowance to noncurrent loans | 825.0627% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 4,458 |
| Noncurrent loans to loans | 0.1594% | 4,291 |
| Net loans and leases to total assets | 84.2063% | 431 |
| Net loans and leases to deposits | 95.9978% | 1,090 |
| Net loans and leases to core deposits | 108.6294% | 1,090 |
| Total domestic deposits to total assets | 87.7169% | 1,650 |
| Equity capital to assets | 10.0461% | 3,651 |
| Core capital (leverage) ratio | 9.8914% | 3,593 |
| Tier 1 risk-based capital ratio | 11.4360% | 4,891 |
| Total risk-based capital ratio | 12.6865% | 4,776 |
| Memoranda: | ||
| Average total assets | $272,621,000 | 2,331 |
| Average earning assets | $264,725,200 | 2,255 |
| Average equity | $27,305,800 | 2,522 |
| Average total loans | $227,246,200 | 1,950 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7623% | 169 |
| Cost of funding earning assets | 0.8858% | 379 |
| Net interest margin | 4.8765% | 287 |
| Noninterest income to average assets | 1.0071% | 1,007 |
| Noninterest expense to average assets | 3.1335% | 1,715 |
| Loan and lease loss provision to assets | 0.5110% | 224 |
| Net operating income to assets | 1.2005% | 1,688 |
| Return on assets (ROA) | 1.2005% | 1,723 |
| Pretax return on assets | 2.0915% | 455 |
| Return on Equity (ROE) | 11.9962% | 1,339 |
| Retained earnings to average equity (ytd only) | 11.9962% | 297 |
| Net charge-offs to loans | 0.4329% | 482 |
| Credit loss provision to net charge-offs | 142.5591% | 1,753 |
| Earnings coverage of net charge-offs (x) | 7.2601% | 2,898 |
| Efficiency ratio | 54.6284% | 4,890 |
| Assets per employee ($millions) | 9.2912% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3489% | 2,124 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7063% | 2,388 |
| Noncurrent loans to loans | 0.8993% | 2,133 |
| Net loans and leases to total assets | 77.4834% | 1,353 |
| Net loans and leases to deposits | 87.9639% | 2,068 |
| Net loans and leases to core deposits | 102.0732% | 1,542 |
| Total domestic deposits to total assets | 88.0855% | 1,324 |
| Equity capital to assets | 9.4289% | 4,511 |
| Core capital (leverage) ratio | 9.8568% | 3,742 |
| Tier 1 risk-based capital ratio | 11.5965% | 4,885 |
| Total risk-based capital ratio | 12.8473% | 4,773 |
| Memoranda: | ||
| Average total assets | $267,427,250 | 2,382 |
| Average earning assets | $259,333,250 | 2,301 |
| Average equity | $26,763,500 | 2,579 |
| Average total loans | $221,470,250 | 1,997 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6868% | 191 |
| Cost of funding earning assets | 0.8215% | 469 |
| Net interest margin | 4.8654% | 278 |
| Noninterest income to average assets | 0.7411% | 1,805 |
| Noninterest expense to average assets | 3.2207% | 1,537 |
| Loan and lease loss provision to assets | 0.4389% | 281 |
| Net operating income to assets | 1.0324% | 2,286 |
| Return on assets (ROA) | 1.0324% | 2,324 |
| Pretax return on assets | 1.7929% | 859 |
| Return on Equity (ROE) | 10.0911% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.0911% | 567 |
| Net charge-offs to loans | -0.0147% | 4,660 |
| Credit loss provision to net charge-offs | -3,531.2500% | 5,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0682% | 4,461 |
| Assets per employee ($millions) | 8.2768% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 1,688 |
| Loan loss allowance to noncurrent loans | 67.2096% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.9240% | 684 |
| Noncurrent loans to loans | 2.1858% | 741 |
| Net loans and leases to total assets | 86.7299% | 225 |
| Net loans and leases to deposits | 97.2977% | 960 |
| Net loans and leases to core deposits | 110.2683% | 990 |
| Total domestic deposits to total assets | 89.1387% | 894 |
| Equity capital to assets | 10.1786% | 3,694 |
| Core capital (leverage) ratio | 10.3890% | 3,033 |
| Tier 1 risk-based capital ratio | 11.3521% | 5,052 |
| Total risk-based capital ratio | 12.6044% | 4,942 |
| Memoranda: | ||
| Average total assets | $257,463,330 | 2,464 |
| Average earning assets | $249,312,330 | 2,386 |
| Average equity | $26,340,000 | 2,606 |
| Average total loans | $217,452,670 | 2,027 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6322% | 195 |
| Cost of funding earning assets | 0.7673% | 588 |
| Net interest margin | 4.8649% | 280 |
| Noninterest income to average assets | 0.9095% | 1,209 |
| Noninterest expense to average assets | 3.2960% | 1,398 |
| Loan and lease loss provision to assets | 0.0426% | 2,949 |
| Net operating income to assets | 1.3493% | 1,121 |
| Return on assets (ROA) | 1.3493% | 1,156 |
| Pretax return on assets | 2.2982% | 302 |
| Return on Equity (ROE) | 13.1538% | 967 |
| Retained earnings to average equity (ytd only) | 13.1538% | 364 |
| Net charge-offs to loans | -0.0057% | 4,225 |
| Credit loss provision to net charge-offs | -900.0000% | 4,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4732% | 4,664 |
| Assets per employee ($millions) | 8.8070% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 2,393 |
| Loan loss allowance to noncurrent loans | 104.2059% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 1,654 |
| Noncurrent loans to loans | 1.2758% | 1,580 |
| Net loans and leases to total assets | 83.5166% | 414 |
| Net loans and leases to deposits | 93.9822% | 1,108 |
| Net loans and leases to core deposits | 108.3361% | 954 |
| Total domestic deposits to total assets | 88.8642% | 1,218 |
| Equity capital to assets | 10.3641% | 3,332 |
| Core capital (leverage) ratio | 9.5470% | 4,058 |
| Tier 1 risk-based capital ratio | 10.7696% | 5,430 |
| Total risk-based capital ratio | 12.0224% | 5,346 |
| Memoranda: | ||
| Average total assets | $253,765,500 | 2,515 |
| Average earning assets | $246,580,500 | 2,424 |
| Average equity | $26,030,500 | 2,635 |
| Average total loans | $209,610,500 | 2,101 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2409% | 385 |
| Cost of funding earning assets | 0.7924% | 522 |
| Net interest margin | 4.4485% | 688 |
| Noninterest income to average assets | 1.2605% | 715 |
| Noninterest expense to average assets | 2.8986% | 2,677 |
| Loan and lease loss provision to assets | 0.1750% | 1,376 |
| Net operating income to assets | 1.6224% | 646 |
| Return on assets (ROA) | 1.6338% | 658 |
| Pretax return on assets | 2.4937% | 204 |
| Return on Equity (ROE) | 15.6385% | 544 |
| Retained earnings to average equity (ytd only) | 15.6385% | 89 |
| Net charge-offs to loans | -0.0011% | 4,660 |
| Credit loss provision to net charge-offs | -19,900.0000% | 5,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2259% | 5,368 |
| Assets per employee ($millions) | 10.0852% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 2,076 |
| Loan loss allowance to noncurrent loans | 106.1590% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 1.0626% | 1,776 |
| Noncurrent loans to loans | 1.3194% | 1,558 |
| Net loans and leases to total assets | 79.4038% | 978 |
| Net loans and leases to deposits | 89.7058% | 1,717 |
| Net loans and leases to core deposits | 103.4246% | 1,327 |
| Total domestic deposits to total assets | 88.5158% | 1,372 |
| Equity capital to assets | 10.1500% | 3,551 |
| Core capital (leverage) ratio | 8.6143% | 5,159 |
| Tier 1 risk-based capital ratio | 10.3223% | 5,655 |
| Total risk-based capital ratio | 11.5831% | 5,584 |
| Memoranda: | ||
| Average total assets | $227,452,000 | 2,686 |
| Average earning assets | $219,332,400 | 2,609 |
| Average equity | $23,761,800 | 2,819 |
| Average total loans | $174,490,600 | 2,367 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2948% | 371 |
| Cost of funding earning assets | 0.7885% | 537 |
| Net interest margin | 4.5063% | 618 |
| Noninterest income to average assets | 1.1984% | 800 |
| Noninterest expense to average assets | 3.0344% | 2,217 |
| Loan and lease loss provision to assets | 0.2398% | 802 |
| Net operating income to assets | 1.5207% | 844 |
| Return on assets (ROA) | 1.5365% | 861 |
| Pretax return on assets | 2.2866% | 327 |
| Return on Equity (ROE) | 14.5891% | 723 |
| Retained earnings to average equity (ytd only) | 14.5891% | 145 |
| Net charge-offs to loans | -0.0008% | 4,429 |
| Credit loss provision to net charge-offs | -39,800.0000% | 5,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7987% | 5,173 |
| Assets per employee ($millions) | 10.0388% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,694 |
| Loan loss allowance to noncurrent loans | 76.2198% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.4291% | 1,286 |
| Noncurrent loans to loans | 1.9938% | 992 |
| Net loans and leases to total assets | 70.5861% | 2,408 |
| Net loans and leases to deposits | 78.7852% | 3,106 |
| Net loans and leases to core deposits | 88.6739% | 2,695 |
| Total domestic deposits to total assets | 89.5931% | 626 |
| Equity capital to assets | 9.3591% | 4,804 |
| Core capital (leverage) ratio | 8.9343% | 4,901 |
| Tier 1 risk-based capital ratio | 10.6024% | 5,569 |
| Total risk-based capital ratio | 11.8653% | 5,484 |
| Memoranda: | ||
| Average total assets | $221,282,750 | 2,752 |
| Average earning assets | $213,059,250 | 2,675 |
| Average equity | $23,304,500 | 2,882 |
| Average total loans | $167,352,250 | 2,444 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5270% | 243 |
| Cost of funding earning assets | 0.7813% | 541 |
| Net interest margin | 4.7457% | 400 |
| Noninterest income to average assets | 1.6872% | 437 |
| Noninterest expense to average assets | 3.1552% | 1,922 |
| Loan and lease loss provision to assets | 0.3019% | 591 |
| Net operating income to assets | 1.8668% | 423 |
| Return on assets (ROA) | 1.8881% | 428 |
| Pretax return on assets | 2.8225% | 138 |
| Return on Equity (ROE) | 17.1304% | 428 |
| Retained earnings to average equity (ytd only) | 17.1304% | 94 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5001% | 5,532 |
| Assets per employee ($millions) | 9.2344% | 358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6158% | 1,483 |
| Loan loss allowance to noncurrent loans | 75.2729% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.6532% | 1,098 |
| Noncurrent loans to loans | 2.1466% | 898 |
| Net loans and leases to total assets | 75.7736% | 1,525 |
| Net loans and leases to deposits | 85.7931% | 2,275 |
| Net loans and leases to core deposits | 90.1417% | 2,522 |
| Total domestic deposits to total assets | 88.3213% | 1,263 |
| Equity capital to assets | 10.7659% | 3,323 |
| Core capital (leverage) ratio | 9.1567% | 4,650 |
| Tier 1 risk-based capital ratio | 11.1946% | 5,319 |
| Total risk-based capital ratio | 12.4596% | 5,223 |
| Memoranda: | ||
| Average total assets | $208,040,670 | 2,904 |
| Average earning assets | $199,928,000 | 2,814 |
| Average equity | $22,930,000 | 2,930 |
| Average total loans | $160,776,670 | 2,522 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5438% | 238 |
| Cost of funding earning assets | 0.7193% | 731 |
| Net interest margin | 4.8245% | 344 |
| Noninterest income to average assets | 1.8524% | 381 |
| Noninterest expense to average assets | 3.1026% | 2,095 |
| Loan and lease loss provision to assets | 0.0775% | 2,412 |
| Net operating income to assets | 2.2101% | 223 |
| Return on assets (ROA) | 2.2261% | 234 |
| Pretax return on assets | 3.3352% | 105 |
| Return on Equity (ROE) | 19.9421% | 250 |
| Retained earnings to average equity (ytd only) | 19.9421% | 97 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7955% | 5,734 |
| Assets per employee ($millions) | 9.3364% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5397% | 1,829 |
| Loan loss allowance to noncurrent loans | 59.9758% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 1.9279% | 927 |
| Noncurrent loans to loans | 2.5671% | 720 |
| Net loans and leases to total assets | 73.9445% | 1,737 |
| Net loans and leases to deposits | 83.3992% | 2,378 |
| Net loans and leases to core deposits | 87.4797% | 2,614 |
| Total domestic deposits to total assets | 88.6634% | 1,263 |
| Equity capital to assets | 10.7247% | 3,226 |
| Core capital (leverage) ratio | 9.8714% | 3,696 |
| Tier 1 risk-based capital ratio | 11.9800% | 4,928 |
| Total risk-based capital ratio | 13.2465% | 4,836 |
| Memoranda: | ||
| Average total assets | $201,248,000 | 2,975 |
| Average earning assets | $193,514,000 | 2,897 |
| Average equity | $22,465,000 | 2,974 |
| Average total loans | $155,819,000 | 2,573 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 473 |
| Cost of funding earning assets | 0.5928% | 1,414 |
| Net interest margin | 4.5543% | 599 |
| Noninterest income to average assets | 0.9219% | 1,373 |
| Noninterest expense to average assets | 3.4276% | 1,439 |
| Loan and lease loss provision to assets | 0.3413% | 443 |
| Net operating income to assets | 1.5941% | 714 |
| Return on assets (ROA) | 1.6264% | 685 |
| Pretax return on assets | 1.6515% | 1,108 |
| Return on Equity (ROE) | 16.5368% | 505 |
| Retained earnings to average equity (ytd only) | 16.5368% | 103 |
| Net charge-offs to loans | 0.2005% | 1,455 |
| Credit loss provision to net charge-offs | 215.9184% | 1,315 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 2,470 |
| Efficiency ratio | 63.6211% | 4,347 |
| Assets per employee ($millions) | 8.7528% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 1,539 |
| Loan loss allowance to noncurrent loans | 66.0362% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 2.0135% | 870 |
| Noncurrent loans to loans | 2.4613% | 756 |
| Net loans and leases to total assets | 80.4775% | 774 |
| Net loans and leases to deposits | 89.6542% | 1,662 |
| Net loans and leases to core deposits | 93.4583% | 2,092 |
| Total domestic deposits to total assets | 89.7643% | 728 |
| Equity capital to assets | 9.7656% | 4,222 |
| Core capital (leverage) ratio | 10.0636% | 3,417 |
| Tier 1 risk-based capital ratio | 11.9720% | 4,966 |
| Total risk-based capital ratio | 13.2269% | 4,867 |
| Memoranda: | ||
| Average total assets | $155,007,800 | 3,493 |
| Average earning assets | $151,987,800 | 3,371 |
| Average equity | $15,244,800 | 3,793 |
| Average total loans | $122,220,000 | 3,017 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 581 |
| Cost of funding earning assets | 0.5761% | 1,574 |
| Net interest margin | 4.4524% | 720 |
| Noninterest income to average assets | 0.9977% | 1,187 |
| Noninterest expense to average assets | 3.4675% | 1,351 |
| Loan and lease loss provision to assets | 0.4772% | 222 |
| Net operating income to assets | 1.3937% | 1,121 |
| Return on assets (ROA) | 1.3531% | 1,268 |
| Pretax return on assets | 1.3756% | 2,119 |
| Return on Equity (ROE) | 13.7279% | 957 |
| Retained earnings to average equity (ytd only) | 13.7279% | 227 |
| Net charge-offs to loans | 0.2836% | 941 |
| Credit loss provision to net charge-offs | 215.9184% | 1,258 |
| Earnings coverage of net charge-offs (x) | 8.5714% | 2,800 |
| Efficiency ratio | 64.6703% | 4,119 |
| Assets per employee ($millions) | 8.2614% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9161% | 1,036 |
| Loan loss allowance to noncurrent loans | 59.7994% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 2.3558% | 764 |
| Noncurrent loans to loans | 3.2042% | 525 |
| Net loans and leases to total assets | 72.1125% | 2,047 |
| Net loans and leases to deposits | 80.3385% | 2,845 |
| Net loans and leases to core deposits | 83.9583% | 3,044 |
| Total domestic deposits to total assets | 89.7608% | 674 |
| Equity capital to assets | 9.7106% | 4,505 |
| Core capital (leverage) ratio | 10.8059% | 2,709 |
| Tier 1 risk-based capital ratio | 12.4275% | 4,807 |
| Total risk-based capital ratio | 13.6847% | 4,712 |
| Memoranda: | ||
| Average total assets | $147,807,750 | 3,636 |
| Average earning assets | $144,877,250 | 3,504 |
| Average equity | $14,568,500 | 3,937 |
| Average total loans | $115,183,000 | 3,141 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0295% | 566 |
| Cost of funding earning assets | 0.5717% | 1,632 |
| Net interest margin | 4.4578% | 682 |
| Noninterest income to average assets | 0.6219% | 2,619 |
| Noninterest expense to average assets | 3.6180% | 1,093 |
| Loan and lease loss provision to assets | 0.1882% | 1,067 |
| Net operating income to assets | 1.1663% | 1,717 |
| Return on assets (ROA) | 1.1663% | 1,785 |
| Pretax return on assets | 1.1835% | 2,843 |
| Return on Equity (ROE) | 11.7604% | 1,450 |
| Retained earnings to average equity (ytd only) | 11.7604% | 422 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5101% | 2,929 |
| Assets per employee ($millions) | 7.7020% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8923% | 1,181 |
| Loan loss allowance to noncurrent loans | 119.4473% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.2451% | 2,022 |
| Noncurrent loans to loans | 1.5842% | 1,659 |
| Net loans and leases to total assets | 77.1092% | 1,200 |
| Net loans and leases to deposits | 86.5383% | 1,999 |
| Net loans and leases to core deposits | 90.6828% | 2,275 |
| Total domestic deposits to total assets | 89.1041% | 1,096 |
| Equity capital to assets | 10.4629% | 3,481 |
| Core capital (leverage) ratio | 10.9722% | 2,453 |
| Tier 1 risk-based capital ratio | 13.3504% | 4,310 |
| Total risk-based capital ratio | 14.6089% | 4,234 |
| Memoranda: | ||
| Average total assets | $139,247,000 | 3,793 |
| Average earning assets | $136,434,330 | 3,652 |
| Average equity | $13,809,000 | 4,080 |
| Average total loans | $111,060,000 | 3,230 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1633% | 433 |
| Cost of funding earning assets | 0.5689% | 1,669 |
| Net interest margin | 4.5944% | 503 |
| Noninterest income to average assets | 0.0789% | 6,152 |
| Noninterest expense to average assets | 3.7345% | 958 |
| Loan and lease loss provision to assets | 0.3276% | 415 |
| Net operating income to assets | 0.5066% | 4,650 |
| Return on assets (ROA) | 0.5066% | 4,770 |
| Pretax return on assets | 0.5248% | 5,113 |
| Return on Equity (ROE) | 5.2785% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.2785% | 2,903 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4153% | 1,702 |
| Assets per employee ($millions) | 6.7321% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0511% | 989 |
| Loan loss allowance to noncurrent loans | 69.8613% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 2.2953% | 978 |
| Noncurrent loans to loans | 2.9360% | 757 |
| Net loans and leases to total assets | 76.5756% | 1,126 |
| Net loans and leases to deposits | 84.5852% | 1,997 |
| Net loans and leases to core deposits | 87.8333% | 2,348 |
| Total domestic deposits to total assets | 90.5308% | 521 |
| Equity capital to assets | 9.0137% | 5,271 |
| Core capital (leverage) ratio | 9.6967% | 4,017 |
| Tier 1 risk-based capital ratio | 11.3132% | 5,654 |
| Total risk-based capital ratio | 12.5728% | 5,557 |
| Memoranda: | ||
| Average total assets | $131,850,500 | 3,959 |
| Average earning assets | $129,375,000 | 3,800 |
| Average equity | $12,655,000 | 4,295 |
| Average total loans | $106,055,000 | 3,338 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5427% | 296 |
| Cost of funding earning assets | 0.5720% | 2,027 |
| Net interest margin | 4.9707% | 320 |
| Noninterest income to average assets | 0.0991% | 6,159 |
| Noninterest expense to average assets | 3.7992% | 990 |
| Loan and lease loss provision to assets | 0.2106% | 1,187 |
| Net operating income to assets | 0.9121% | 2,818 |
| Return on assets (ROA) | 0.9121% | 2,910 |
| Pretax return on assets | 0.9291% | 3,786 |
| Return on Equity (ROE) | 8.5828% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.5828% | 804 |
| Net charge-offs to loans | -0.0012% | 5,348 |
| Credit loss provision to net charge-offs | -23,600.0000% | 6,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9245% | 2,361 |
| Assets per employee ($millions) | 8.1509% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1276% | 907 |
| Loan loss allowance to noncurrent loans | 64.5547% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.7367% | 798 |
| Noncurrent loans to loans | 3.2959% | 645 |
| Net loans and leases to total assets | 81.2682% | 596 |
| Net loans and leases to deposits | 91.2146% | 1,377 |
| Net loans and leases to core deposits | 95.1187% | 1,799 |
| Total domestic deposits to total assets | 89.0956% | 1,183 |
| Equity capital to assets | 10.2787% | 3,755 |
| Core capital (leverage) ratio | 10.4087% | 3,051 |
| Tier 1 risk-based capital ratio | 11.9464% | 5,398 |
| Total risk-based capital ratio | 13.2070% | 5,293 |
| Memoranda: | ||
| Average total assets | $112,049,200 | 4,342 |
| Average earning assets | $109,099,200 | 4,205 |
| Average equity | $11,907,600 | 4,376 |
| Average total loans | $85,770,800 | 3,719 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6239% | 261 |
| Cost of funding earning assets | 0.5689% | 2,113 |
| Net interest margin | 5.0550% | 266 |
| Noninterest income to average assets | 0.0840% | 6,298 |
| Noninterest expense to average assets | 3.9720% | 778 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9973% | 2,460 |
| Return on assets (ROA) | 0.9973% | 2,526 |
| Pretax return on assets | 1.0241% | 3,501 |
| Return on Equity (ROE) | 9.2991% | 2,543 |
| Retained earnings to average equity (ytd only) | 9.2991% | 897 |
| Net charge-offs to loans | -0.0016% | 5,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5028% | 1,987 |
| Assets per employee ($millions) | 6.6672% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1415% | 1,032 |
| Loan loss allowance to noncurrent loans | 100.8915% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 1.5890% | 1,922 |
| Noncurrent loans to loans | 2.1226% | 1,472 |
| Net loans and leases to total assets | 73.2603% | 1,638 |
| Net loans and leases to deposits | 82.1274% | 2,409 |
| Net loans and leases to core deposits | 85.9205% | 2,677 |
| Total domestic deposits to total assets | 89.2033% | 1,124 |
| Equity capital to assets | 10.2351% | 3,880 |
| Core capital (leverage) ratio | 10.6459% | 2,866 |
| Tier 1 risk-based capital ratio | 13.2246% | 4,714 |
| Total risk-based capital ratio | 14.4849% | 4,644 |
| Memoranda: | ||
| Average total assets | $109,495,750 | 4,430 |
| Average earning assets | $106,399,500 | 4,294 |
| Average equity | $11,742,750 | 4,434 |
| Average total loans | $81,833,250 | 3,850 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 347 |
| Cost of funding earning assets | 0.5708% | 2,159 |
| Net interest margin | 4.8728% | 362 |
| Noninterest income to average assets | 0.0755% | 6,362 |
| Noninterest expense to average assets | 4.0532% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7284% | 3,684 |
| Return on assets (ROA) | 0.7284% | 3,782 |
| Pretax return on assets | 0.7586% | 4,428 |
| Return on Equity (ROE) | 6.6767% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.6767% | 1,938 |
| Net charge-offs to loans | -0.0025% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2353% | 1,478 |
| Assets per employee ($millions) | 7.5793% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3041% | 893 |
| Loan loss allowance to noncurrent loans | 61.4108% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.7557% | 952 |
| Noncurrent loans to loans | 3.7520% | 663 |
| Net loans and leases to total assets | 71.7557% | 1,789 |
| Net loans and leases to deposits | 80.5520% | 2,445 |
| Net loans and leases to core deposits | 83.6682% | 2,773 |
| Total domestic deposits to total assets | 89.0800% | 1,313 |
| Equity capital to assets | 10.3993% | 3,563 |
| Core capital (leverage) ratio | 10.8682% | 2,562 |
| Tier 1 risk-based capital ratio | 13.6828% | 4,467 |
| Total risk-based capital ratio | 14.9453% | 4,404 |
| Memoranda: | ||
| Average total assets | $105,991,330 | 4,534 |
| Average earning assets | $103,020,330 | 4,388 |
| Average equity | $11,562,670 | 4,482 |
| Average total loans | $79,163,330 | 3,934 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5214% | 281 |
| Cost of funding earning assets | 0.5816% | 2,145 |
| Net interest margin | 4.9398% | 306 |
| Noninterest income to average assets | 0.0940% | 6,350 |
| Noninterest expense to average assets | 4.2177% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6383% | 4,003 |
| Return on assets (ROA) | 0.6383% | 4,096 |
| Pretax return on assets | 0.6657% | 4,616 |
| Return on Equity (ROE) | 5.7030% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.7030% | 2,689 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3673% | 1,409 |
| Assets per employee ($millions) | 6.8887% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4764% | 831 |
| Loan loss allowance to noncurrent loans | 51.3081% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 3.6253% | 708 |
| Noncurrent loans to loans | 4.8266% | 475 |
| Net loans and leases to total assets | 73.2508% | 1,394 |
| Net loans and leases to deposits | 82.9943% | 1,947 |
| Net loans and leases to core deposits | 87.3313% | 2,161 |
| Total domestic deposits to total assets | 88.2599% | 2,076 |
| Equity capital to assets | 11.1671% | 2,560 |
| Core capital (leverage) ratio | 11.5988% | 1,897 |
| Tier 1 risk-based capital ratio | 14.2375% | 4,172 |
| Total risk-based capital ratio | 15.5015% | 4,109 |
| Memoranda: | ||
| Average total assets | $102,142,000 | 4,684 |
| Average earning assets | $99,032,500 | 4,540 |
| Average equity | $11,432,500 | 4,515 |
| Average total loans | $76,993,500 | 4,032 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2442% | 583 |
| Cost of funding earning assets | 0.6152% | 2,522 |
| Net interest margin | 4.6290% | 573 |
| Noninterest income to average assets | 0.1081% | 6,360 |
| Noninterest expense to average assets | 4.3829% | 581 |
| Loan and lease loss provision to assets | 0.1060% | 3,024 |
| Net operating income to assets | 0.0524% | 6,123 |
| Return on assets (ROA) | 0.0524% | 6,173 |
| Pretax return on assets | 0.0728% | 6,124 |
| Return on Equity (ROE) | 0.4993% | 6,168 |
| Retained earnings to average equity (ytd only) | 0.4993% | 5,618 |
| Net charge-offs to loans | 0.5285% | 1,257 |
| Credit loss provision to net charge-offs | 27.2727% | 4,305 |
| Earnings coverage of net charge-offs (x) | 0.4601% | 4,925 |
| Efficiency ratio | 96.0817% | 636 |
| Assets per employee ($millions) | 7.7657% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5165% | 815 |
| Loan loss allowance to noncurrent loans | 45.7184% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 4.1643% | 624 |
| Noncurrent loans to loans | 5.5044% | 412 |
| Net loans and leases to total assets | 73.7494% | 1,394 |
| Net loans and leases to deposits | 83.5377% | 1,993 |
| Net loans and leases to core deposits | 88.1205% | 2,236 |
| Total domestic deposits to total assets | 88.2828% | 2,016 |
| Equity capital to assets | 11.2190% | 2,413 |
| Core capital (leverage) ratio | 12.0760% | 1,549 |
| Tier 1 risk-based capital ratio | 14.3358% | 4,059 |
| Total risk-based capital ratio | 15.6005% | 3,992 |
| Memoranda: | ||
| Average total assets | $93,431,200 | 4,898 |
| Average earning assets | $89,890,600 | 4,772 |
| Average equity | $9,814,400 | 4,893 |
| Average total loans | $68,678,600 | 4,316 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1653% | 696 |
| Cost of funding earning assets | 0.6272% | 2,577 |
| Net interest margin | 4.5381% | 691 |
| Noninterest income to average assets | 0.1092% | 6,456 |
| Noninterest expense to average assets | 4.6705% | 451 |
| Loan and lease loss provision to assets | 0.1442% | 2,481 |
| Net operating income to assets | -0.3685% | 6,555 |
| Return on assets (ROA) | -0.3685% | 6,565 |
| Pretax return on assets | -0.3539% | 6,544 |
| Return on Equity (ROE) | -3.5746% | 6,550 |
| Retained earnings to average equity (ytd only) | -3.5746% | 6,401 |
| Net charge-offs to loans | 0.1858% | 2,738 |
| Credit loss provision to net charge-offs | 106.4516% | 2,202 |
| Earnings coverage of net charge-offs (x) | -1.5484% | 5,047 |
| Efficiency ratio | 104.7013% | 353 |
| Assets per employee ($millions) | 8.2988% | 410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0323% | 533 |
| Loan loss allowance to noncurrent loans | 41.2917% | 5,585 |
| Noncurrent assets plus other real estate owned to assets | 6.4698% | 334 |
| Noncurrent loans to loans | 7.3435% | 268 |
| Net loans and leases to total assets | 70.4205% | 1,889 |
| Net loans and leases to deposits | 79.5790% | 2,469 |
| Net loans and leases to core deposits | 84.0049% | 2,655 |
| Total domestic deposits to total assets | 88.4914% | 1,841 |
| Equity capital to assets | 10.8881% | 2,873 |
| Core capital (leverage) ratio | 11.6057% | 1,945 |
| Tier 1 risk-based capital ratio | 14.2486% | 4,253 |
| Total risk-based capital ratio | 15.5175% | 4,184 |
| Memoranda: | ||
| Average total assets | $91,550,500 | 4,987 |
| Average earning assets | $87,788,500 | 4,878 |
| Average equity | $9,436,500 | 5,045 |
| Average total loans | $66,754,500 | 4,418 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 619 |
| Cost of funding earning assets | 0.6405% | 2,588 |
| Net interest margin | 4.5749% | 626 |
| Noninterest income to average assets | 0.1103% | 6,494 |
| Noninterest expense to average assets | 4.9262% | 374 |
| Loan and lease loss provision to assets | 0.2228% | 1,697 |
| Net operating income to assets | -0.6571% | 6,685 |
| Return on assets (ROA) | -0.6571% | 6,698 |
| Pretax return on assets | -0.6504% | 6,676 |
| Return on Equity (ROE) | -6.5123% | 6,677 |
| Retained earnings to average equity (ytd only) | -6.5123% | 6,548 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.5048% | 285 |
| Assets per employee ($millions) | 7.2942% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2302% | 474 |
| Loan loss allowance to noncurrent loans | 37.1104% | 5,748 |
| Noncurrent assets plus other real estate owned to assets | 7.6900% | 288 |
| Noncurrent loans to loans | 8.7043% | 214 |
| Net loans and leases to total assets | 72.2222% | 1,540 |
| Net loans and leases to deposits | 80.5855% | 2,238 |
| Net loans and leases to core deposits | 87.5777% | 2,160 |
| Total domestic deposits to total assets | 89.6218% | 1,251 |
| Equity capital to assets | 9.2160% | 4,970 |
| Core capital (leverage) ratio | 9.8948% | 3,657 |
| Tier 1 risk-based capital ratio | 11.7728% | 5,936 |
| Total risk-based capital ratio | 13.0451% | 5,866 |
| Memoranda: | ||
| Average total assets | $88,872,000 | 5,080 |
| Average earning assets | $85,248,000 | 4,973 |
| Average equity | $8,967,670 | 5,179 |
| Average total loans | $64,898,670 | 4,504 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2515% | 550 |
| Cost of funding earning assets | 0.6473% | 2,688 |
| Net interest margin | 4.6042% | 554 |
| Noninterest income to average assets | 0.1211% | 6,496 |
| Noninterest expense to average assets | 5.1225% | 343 |
| Loan and lease loss provision to assets | 0.1863% | 1,980 |
| Net operating income to assets | -0.7823% | 6,761 |
| Return on assets (ROA) | -0.7823% | 6,775 |
| Pretax return on assets | -0.7823% | 6,752 |
| Return on Equity (ROE) | -7.3993% | 6,749 |
| Retained earnings to average equity (ytd only) | -7.3993% | 6,494 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.1687% | 283 |
| Assets per employee ($millions) | 6.1574% | 1,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4628% | 429 |
| Loan loss allowance to noncurrent loans | 41.6807% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 7.5113% | 355 |
| Noncurrent loans to loans | 8.3079% | 307 |
| Net loans and leases to total assets | 72.0210% | 1,344 |
| Net loans and leases to deposits | 81.4924% | 1,895 |
| Net loans and leases to core deposits | 89.5616% | 1,743 |
| Total domestic deposits to total assets | 88.3776% | 2,082 |
| Equity capital to assets | 10.4311% | 3,629 |
| Core capital (leverage) ratio | 10.4374% | 2,861 |
| Tier 1 risk-based capital ratio | 12.9494% | 5,263 |
| Total risk-based capital ratio | 14.2251% | 5,192 |
| Memoranda: | ||
| Average total assets | $85,896,000 | 5,199 |
| Average earning assets | $82,186,000 | 5,082 |
| Average equity | $9,082,000 | 5,208 |
| Average total loans | $61,963,000 | 4,633 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6754% | 2,686 |
| Cost of funding earning assets | 0.7020% | 3,477 |
| Net interest margin | 3.9734% | 2,505 |
| Noninterest income to average assets | 0.1407% | 6,331 |
| Noninterest expense to average assets | 5.0210% | 369 |
| Loan and lease loss provision to assets | 0.0741% | 4,797 |
| Net operating income to assets | -1.1627% | 6,787 |
| Return on assets (ROA) | -1.1627% | 6,799 |
| Pretax return on assets | -1.1331% | 6,770 |
| Return on Equity (ROE) | -10.8368% | 6,743 |
| Retained earnings to average equity (ytd only) | -10.8368% | 6,665 |
| Net charge-offs to loans | 0.9145% | 1,234 |
| Credit loss provision to net charge-offs | 11.7417% | 5,379 |
| Earnings coverage of net charge-offs (x) | -1.6791% | 5,817 |
| Efficiency ratio | 126.7290% | 168 |
| Assets per employee ($millions) | 6.5837% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6669% | 370 |
| Loan loss allowance to noncurrent loans | 33.2269% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 8.9826% | 272 |
| Noncurrent loans to loans | 11.0360% | 186 |
| Net loans and leases to total assets | 67.0982% | 2,344 |
| Net loans and leases to deposits | 76.2767% | 2,756 |
| Net loans and leases to core deposits | 82.4949% | 2,719 |
| Total domestic deposits to total assets | 87.9668% | 2,260 |
| Equity capital to assets | 10.7165% | 3,258 |
| Core capital (leverage) ratio | 11.0716% | 2,196 |
| Tier 1 risk-based capital ratio | 14.1885% | 4,251 |
| Total risk-based capital ratio | 15.4671% | 4,185 |
| Memoranda: | ||
| Average total assets | $81,020,200 | 5,326 |
| Average earning assets | $77,918,400 | 5,184 |
| Average equity | $8,692,600 | 5,309 |
| Average total loans | $55,879,000 | 4,870 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6799% | 2,894 |
| Cost of funding earning assets | 0.7225% | 3,574 |
| Net interest margin | 3.9574% | 2,678 |
| Noninterest income to average assets | 0.1435% | 6,427 |
| Noninterest expense to average assets | 4.9908% | 366 |
| Loan and lease loss provision to assets | 0.0167% | 5,598 |
| Net operating income to assets | -1.0816% | 6,883 |
| Return on assets (ROA) | -1.0816% | 6,908 |
| Pretax return on assets | -1.0516% | 6,877 |
| Return on Equity (ROE) | -10.0782% | 6,864 |
| Retained earnings to average equity (ytd only) | -10.0782% | 6,818 |
| Net charge-offs to loans | 0.8275% | 1,323 |
| Credit loss provision to net charge-offs | 2.9326% | 5,141 |
| Earnings coverage of net charge-offs (x) | -1.8182% | 5,639 |
| Efficiency ratio | 126.1603% | 167 |
| Assets per employee ($millions) | 7.3305% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1991% | 264 |
| Loan loss allowance to noncurrent loans | 32.3196% | 6,026 |
| Noncurrent assets plus other real estate owned to assets | 8.8485% | 313 |
| Noncurrent loans to loans | 12.9923% | 138 |
| Net loans and leases to total assets | 65.2459% | 2,792 |
| Net loans and leases to deposits | 74.5853% | 3,208 |
| Net loans and leases to core deposits | 81.1260% | 3,077 |
| Total domestic deposits to total assets | 87.4781% | 2,364 |
| Equity capital to assets | 11.3946% | 2,853 |
| Core capital (leverage) ratio | 11.3977% | 2,059 |
| Tier 1 risk-based capital ratio | 15.5923% | 3,483 |
| Total risk-based capital ratio | 16.8774% | 3,425 |
| Memoranda: | ||
| Average total assets | $79,878,250 | 5,405 |
| Average earning assets | $76,951,000 | 5,267 |
| Average equity | $8,572,750 | 5,391 |
| Average total loans | $54,945,250 | 4,953 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7048% | 2,896 |
| Cost of funding earning assets | 0.7415% | 3,676 |
| Net interest margin | 3.9633% | 2,667 |
| Noninterest income to average assets | 0.1457% | 6,470 |
| Noninterest expense to average assets | 5.0737% | 356 |
| Loan and lease loss provision to assets | 0.0251% | 5,352 |
| Net operating income to assets | -1.1705% | 6,949 |
| Return on assets (ROA) | -1.1705% | 6,967 |
| Pretax return on assets | -1.1403% | 6,934 |
| Return on Equity (ROE) | -11.1381% | 6,925 |
| Retained earnings to average equity (ytd only) | -11.1381% | 6,860 |
| Net charge-offs to loans | -0.2256% | 7,021 |
| Credit loss provision to net charge-offs | -16.1290% | 5,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.1726% | 175 |
| Assets per employee ($millions) | 6.6644% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0227% | 162 |
| Loan loss allowance to noncurrent loans | 35.9475% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 9.4232% | 300 |
| Noncurrent loans to loans | 13.9724% | 121 |
| Net loans and leases to total assets | 64.0541% | 3,021 |
| Net loans and leases to deposits | 73.4697% | 3,386 |
| Net loans and leases to core deposits | 79.9669% | 3,224 |
| Total domestic deposits to total assets | 87.1844% | 2,662 |
| Equity capital to assets | 11.5339% | 2,555 |
| Core capital (leverage) ratio | 11.6147% | 1,827 |
| Tier 1 risk-based capital ratio | 15.9344% | 3,193 |
| Total risk-based capital ratio | 17.2288% | 3,146 |
| Memoranda: | ||
| Average total assets | $79,626,000 | 5,446 |
| Average earning assets | $76,602,000 | 5,311 |
| Average equity | $8,367,670 | 5,454 |
| Average total loans | $54,954,670 | 4,990 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 3,488 |
| Cost of funding earning assets | 0.8064% | 3,426 |
| Net interest margin | 3.7964% | 3,408 |
| Noninterest income to average assets | 0.1510% | 6,484 |
| Noninterest expense to average assets | 5.1402% | 335 |
| Loan and lease loss provision to assets | 0.0503% | 4,781 |
| Net operating income to assets | -1.4197% | 7,074 |
| Return on assets (ROA) | -1.4197% | 7,084 |
| Pretax return on assets | -1.3895% | 7,065 |
| Return on Equity (ROE) | -14.2074% | 7,054 |
| Retained earnings to average equity (ytd only) | -14.2074% | 6,954 |
| Net charge-offs to loans | -0.4471% | 7,133 |
| Credit loss provision to net charge-offs | -16.1290% | 5,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 135.2318% | 150 |
| Assets per employee ($millions) | 6.1516% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9246% | 187 |
| Loan loss allowance to noncurrent loans | 35.6354% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 9.5059% | 339 |
| Noncurrent loans to loans | 13.8196% | 146 |
| Net loans and leases to total assets | 65.3987% | 2,578 |
| Net loans and leases to deposits | 73.3664% | 3,222 |
| Net loans and leases to core deposits | 79.4410% | 3,119 |
| Total domestic deposits to total assets | 89.1398% | 1,612 |
| Equity capital to assets | 9.7273% | 4,483 |
| Core capital (leverage) ratio | 9.5035% | 4,045 |
| Tier 1 risk-based capital ratio | 12.9743% | 5,239 |
| Total risk-based capital ratio | 14.2357% | 5,199 |
| Memoranda: | ||
| Average total assets | $79,452,500 | 5,491 |
| Average earning assets | $76,387,500 | 5,347 |
| Average equity | $7,939,500 | 5,616 |
| Average total loans | $55,464,500 | 4,998 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9874% | 2,935 |
| Cost of funding earning assets | 0.9492% | 3,731 |
| Net interest margin | 4.0382% | 2,687 |
| Noninterest income to average assets | 0.1127% | 6,585 |
| Noninterest expense to average assets | 5.0888% | 361 |
| Loan and lease loss provision to assets | 0.6822% | 1,500 |
| Net operating income to assets | -1.8362% | 6,998 |
| Return on assets (ROA) | -1.8362% | 7,013 |
| Pretax return on assets | -1.8077% | 6,980 |
| Return on Equity (ROE) | -16.8278% | 6,932 |
| Retained earnings to average equity (ytd only) | -16.8278% | 6,912 |
| Net charge-offs to loans | 0.0585% | 5,723 |
| Credit loss provision to net charge-offs | 1,620.5882% | 136 |
| Earnings coverage of net charge-offs (x) | -26.7353% | 6,417 |
| Efficiency ratio | 128.3974% | 242 |
| Assets per employee ($millions) | 6.0718% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7157% | 213 |
| Loan loss allowance to noncurrent loans | 34.3315% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 9.7309% | 354 |
| Noncurrent loans to loans | 13.7357% | 159 |
| Net loans and leases to total assets | 67.5032% | 2,493 |
| Net loans and leases to deposits | 76.3750% | 3,117 |
| Net loans and leases to core deposits | 83.4817% | 2,960 |
| Total domestic deposits to total assets | 88.3840% | 1,917 |
| Equity capital to assets | 10.2617% | 3,832 |
| Core capital (leverage) ratio | 9.5952% | 3,875 |
| Tier 1 risk-based capital ratio | 13.3351% | 4,817 |
| Total risk-based capital ratio | 14.6275% | 4,762 |
| Memoranda: | ||
| Average total assets | $80,765,600 | 5,438 |
| Average earning assets | $77,014,000 | 5,317 |
| Average equity | $8,812,800 | 5,334 |
| Average total loans | $58,151,000 | 4,939 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0398% | 2,892 |
| Cost of funding earning assets | 0.9507% | 4,038 |
| Net interest margin | 4.0891% | 2,517 |
| Noninterest income to average assets | 0.1034% | 6,737 |
| Noninterest expense to average assets | 5.1363% | 327 |
| Loan and lease loss provision to assets | 0.5138% | 1,929 |
| Net operating income to assets | -1.6826% | 7,084 |
| Return on assets (ROA) | -1.6826% | 7,093 |
| Pretax return on assets | -1.6563% | 7,052 |
| Return on Equity (ROE) | -15.2000% | 7,021 |
| Retained earnings to average equity (ytd only) | -15.2000% | 6,996 |
| Net charge-offs to loans | -0.0068% | 6,739 |
| Credit loss provision to net charge-offs | -10,433.3333% | 6,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.6067% | 235 |
| Assets per employee ($millions) | 6.5961% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2830% | 319 |
| Loan loss allowance to noncurrent loans | 37.3562% | 5,787 |
| Noncurrent assets plus other real estate owned to assets | 7.6048% | 615 |
| Noncurrent loans to loans | 11.4653% | 259 |
| Net loans and leases to total assets | 63.4876% | 3,414 |
| Net loans and leases to deposits | 71.5177% | 4,061 |
| Net loans and leases to core deposits | 78.1151% | 3,888 |
| Total domestic deposits to total assets | 88.7719% | 1,565 |
| Equity capital to assets | 10.0491% | 4,273 |
| Core capital (leverage) ratio | 10.4472% | 2,934 |
| Tier 1 risk-based capital ratio | 13.7369% | 4,551 |
| Total risk-based capital ratio | 15.0213% | 4,485 |
| Memoranda: | ||
| Average total assets | $81,223,500 | 5,467 |
| Average earning assets | $77,276,250 | 5,348 |
| Average equity | $8,991,000 | 5,309 |
| Average total loans | $58,708,750 | 4,959 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 2,340 |
| Cost of funding earning assets | 0.9736% | 4,136 |
| Net interest margin | 4.2077% | 2,006 |
| Noninterest income to average assets | 0.0903% | 6,876 |
| Noninterest expense to average assets | 5.3792% | 284 |
| Loan and lease loss provision to assets | 0.6925% | 1,373 |
| Net operating income to assets | -1.9946% | 7,187 |
| Return on assets (ROA) | -1.9946% | 7,189 |
| Pretax return on assets | -1.9695% | 7,156 |
| Return on Equity (ROE) | -17.4425% | 7,124 |
| Retained earnings to average equity (ytd only) | -17.4425% | 7,105 |
| Net charge-offs to loans | -0.0101% | 6,688 |
| Credit loss provision to net charge-offs | -9,200.0000% | 6,810 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.1315% | 245 |
| Assets per employee ($millions) | 5.8225% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1356% | 376 |
| Loan loss allowance to noncurrent loans | 36.3650% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 8.0930% | 565 |
| Noncurrent loans to loans | 11.3724% | 293 |
| Net loans and leases to total assets | 68.2206% | 2,573 |
| Net loans and leases to deposits | 77.5972% | 3,202 |
| Net loans and leases to core deposits | 85.2287% | 3,042 |
| Total domestic deposits to total assets | 87.9163% | 2,190 |
| Equity capital to assets | 10.8201% | 3,159 |
| Core capital (leverage) ratio | 10.9525% | 2,294 |
| Tier 1 risk-based capital ratio | 14.0671% | 4,123 |
| Total risk-based capital ratio | 15.3155% | 4,097 |
| Memoranda: | ||
| Average total assets | $79,715,000 | 5,557 |
| Average earning assets | $76,003,000 | 5,433 |
| Average equity | $9,115,670 | 5,293 |
| Average total loans | $59,319,670 | 4,986 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 891 |
| Cost of funding earning assets | 0.9985% | 4,216 |
| Net interest margin | 4.6966% | 711 |
| Noninterest income to average assets | 0.0914% | 6,963 |
| Noninterest expense to average assets | 5.4710% | 266 |
| Loan and lease loss provision to assets | 1.2028% | 586 |
| Net operating income to assets | -2.0910% | 7,296 |
| Return on assets (ROA) | -2.0910% | 7,296 |
| Pretax return on assets | -2.0707% | 7,266 |
| Return on Equity (ROE) | -17.7903% | 7,192 |
| Retained earnings to average equity (ytd only) | -17.7903% | 7,112 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.8534% | 358 |
| Assets per employee ($millions) | 5.6362% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0916% | 396 |
| Loan loss allowance to noncurrent loans | 70.4844% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 4.2379% | 1,547 |
| Noncurrent loans to loans | 5.8050% | 1,110 |
| Net loans and leases to total assets | 70.0179% | 2,124 |
| Net loans and leases to deposits | 80.1686% | 2,693 |
| Net loans and leases to core deposits | 86.6352% | 2,783 |
| Total domestic deposits to total assets | 87.3383% | 2,745 |
| Equity capital to assets | 11.4553% | 2,309 |
| Core capital (leverage) ratio | 11.6188% | 1,786 |
| Tier 1 risk-based capital ratio | 14.8276% | 3,524 |
| Total risk-based capital ratio | 16.1104% | 3,462 |
| Memoranda: | ||
| Average total assets | $78,815,000 | 5,623 |
| Average earning assets | $75,715,000 | 5,488 |
| Average equity | $9,263,500 | 5,242 |
| Average total loans | $59,975,000 | 5,001 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6537% | 1,737 |
| Cost of funding earning assets | 1.3393% | 3,645 |
| Net interest margin | 4.3143% | 1,773 |
| Noninterest income to average assets | 0.1111% | 6,844 |
| Noninterest expense to average assets | 6.1568% | 214 |
| Loan and lease loss provision to assets | 1.4057% | 1,070 |
| Net operating income to assets | -3.3569% | 7,353 |
| Return on assets (ROA) | -3.3569% | 7,370 |
| Pretax return on assets | -3.3324% | 7,344 |
| Return on Equity (ROE) | -25.5649% | 7,149 |
| Retained earnings to average equity (ytd only) | -25.5649% | 7,130 |
| Net charge-offs to loans | 0.3501% | 4,267 |
| Credit loss provision to net charge-offs | 526.4865% | 432 |
| Earnings coverage of net charge-offs (x) | -7.2162% | 6,788 |
| Efficiency ratio | 145.5476% | 237 |
| Assets per employee ($millions) | 5.6231% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4005% | 634 |
| Loan loss allowance to noncurrent loans | 51.3815% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 5.2412% | 1,192 |
| Noncurrent loans to loans | 6.6181% | 888 |
| Net loans and leases to total assets | 76.5011% | 1,181 |
| Net loans and leases to deposits | 88.5882% | 1,708 |
| Net loans and leases to core deposits | 95.3273% | 2,084 |
| Total domestic deposits to total assets | 86.3560% | 3,162 |
| Equity capital to assets | 12.0524% | 1,887 |
| Core capital (leverage) ratio | 11.8900% | 1,622 |
| Tier 1 risk-based capital ratio | 14.4605% | 3,574 |
| Total risk-based capital ratio | 15.7354% | 3,511 |
| Memoranda: | ||
| Average total assets | $69,289,400 | 5,906 |
| Average earning assets | $66,151,800 | 5,793 |
| Average equity | $9,098,400 | 5,395 |
| Average total loans | $52,835,800 | 5,364 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4760% | 2,533 |
| Cost of funding earning assets | 1.3659% | 3,801 |
| Net interest margin | 4.1102% | 2,585 |
| Noninterest income to average assets | 0.1215% | 6,947 |
| Noninterest expense to average assets | 6.1295% | 212 |
| Loan and lease loss provision to assets | 1.4662% | 915 |
| Net operating income to assets | -3.5777% | 7,528 |
| Return on assets (ROA) | -3.5777% | 7,543 |
| Pretax return on assets | -3.5538% | 7,506 |
| Return on Equity (ROE) | -26.6038% | 7,337 |
| Retained earnings to average equity (ytd only) | -26.6038% | 7,330 |
| Net charge-offs to loans | 0.4968% | 3,289 |
| Credit loss provision to net charge-offs | 391.4894% | 781 |
| Earnings coverage of net charge-offs (x) | -5.5745% | 6,595 |
| Efficiency ratio | 151.6511% | 198 |
| Assets per employee ($millions) | 4.6114% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1395% | 738 |
| Loan loss allowance to noncurrent loans | 35.3395% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 7.2063% | 739 |
| Noncurrent loans to loans | 8.8837% | 547 |
| Net loans and leases to total assets | 78.5709% | 946 |
| Net loans and leases to deposits | 90.8581% | 1,602 |
| Net loans and leases to core deposits | 101.9055% | 1,661 |
| Total domestic deposits to total assets | 86.4766% | 2,814 |
| Equity capital to assets | 12.1302% | 2,075 |
| Core capital (leverage) ratio | 13.1845% | 1,160 |
| Tier 1 risk-based capital ratio | 14.1082% | 3,756 |
| Total risk-based capital ratio | 15.3799% | 3,715 |
| Memoranda: | ||
| Average total assets | $66,931,000 | 6,027 |
| Average earning assets | $63,840,000 | 5,925 |
| Average equity | $9,001,000 | 5,499 |
| Average total loans | $50,458,750 | 5,550 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3830% | 3,049 |
| Cost of funding earning assets | 1.4472% | 3,579 |
| Net interest margin | 3.9359% | 3,294 |
| Noninterest income to average assets | 0.1485% | 6,829 |
| Noninterest expense to average assets | 6.2895% | 195 |
| Loan and lease loss provision to assets | 2.1625% | 557 |
| Net operating income to assets | -4.5725% | 7,671 |
| Return on assets (ROA) | -4.5725% | 7,676 |
| Pretax return on assets | -4.5509% | 7,652 |
| Return on Equity (ROE) | -32.7789% | 7,466 |
| Retained earnings to average equity (ytd only) | -32.7789% | 7,456 |
| Net charge-offs to loans | 0.7945% | 2,260 |
| Credit loss provision to net charge-offs | 371.8085% | 983 |
| Earnings coverage of net charge-offs (x) | -4.1064% | 6,282 |
| Efficiency ratio | 161.2213% | 174 |
| Assets per employee ($millions) | 4.3479% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6655% | 484 |
| Loan loss allowance to noncurrent loans | 30.3810% | 6,341 |
| Noncurrent assets plus other real estate owned to assets | 9.2964% | 465 |
| Noncurrent loans to loans | 12.0650% | 285 |
| Net loans and leases to total assets | 74.2284% | 1,859 |
| Net loans and leases to deposits | 87.7774% | 2,212 |
| Net loans and leases to core deposits | 93.9363% | 2,724 |
| Total domestic deposits to total assets | 84.5643% | 3,841 |
| Equity capital to assets | 14.2596% | 1,085 |
| Core capital (leverage) ratio | 14.1102% | 905 |
| Tier 1 risk-based capital ratio | 17.2726% | 2,178 |
| Total risk-based capital ratio | 18.5518% | 2,133 |
| Memoranda: | ||
| Average total assets | $64,647,000 | 6,156 |
| Average earning assets | $61,638,000 | 6,039 |
| Average equity | $9,018,000 | 5,496 |
| Average total loans | $47,328,000 | 5,705 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5645% | 2,307 |
| Cost of funding earning assets | 1.5740% | 3,112 |
| Net interest margin | 3.9905% | 2,912 |
| Noninterest income to average assets | 0.2362% | 6,262 |
| Noninterest expense to average assets | 6.1217% | 209 |
| Loan and lease loss provision to assets | 0.0124% | 6,491 |
| Net operating income to assets | -2.1131% | 7,488 |
| Return on assets (ROA) | -2.1131% | 7,489 |
| Pretax return on assets | -2.1007% | 7,436 |
| Return on Equity (ROE) | -15.3205% | 7,323 |
| Retained earnings to average equity (ytd only) | -15.3205% | 7,223 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.7720% | 202 |
| Assets per employee ($millions) | 4.8217% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8758% | 917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 66.6923% | 3,698 |
| Net loans and leases to deposits | 79.8312% | 3,691 |
| Net loans and leases to core deposits | 86.2865% | 3,852 |
| Total domestic deposits to total assets | 83.5417% | 4,369 |
| Equity capital to assets | 15.4035% | 782 |
| Core capital (leverage) ratio | 15.7645% | 620 |
| Tier 1 risk-based capital ratio | 20.5031% | 1,429 |
| Total risk-based capital ratio | 21.7237% | 1,399 |
| Memoranda: | ||
| Average total assets | $64,361,000 | 6,228 |
| Average earning assets | $61,245,000 | 6,120 |
| Average equity | $8,877,000 | 5,575 |
| Average total loans | $45,865,500 | 5,843 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7909% | 2,696 |
| Cost of funding earning assets | 2.1887% | 2,083 |
| Net interest margin | 3.6022% | 4,545 |
| Noninterest income to average assets | 0.0592% | 7,462 |
| Noninterest expense to average assets | 6.7394% | 226 |
| Loan and lease loss provision to assets | 1.1849% | 1,944 |
| Net operating income to assets | -4.4726% | 7,678 |
| Return on assets (ROA) | -4.4473% | 7,671 |
| Pretax return on assets | -4.4152% | 7,625 |
| Return on Equity (ROE) | -30.1340% | 7,406 |
| Retained earnings to average equity (ytd only) | -30.1340% | 7,387 |
| Net charge-offs to loans | 0.7095% | 3,059 |
| Credit loss provision to net charge-offs | 230.5921% | 1,594 |
| Earnings coverage of net charge-offs (x) | -6.3355% | 7,128 |
| Efficiency ratio | 193.4498% | 155 |
| Assets per employee ($millions) | 4.7091% | 2,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9331% | 822 |
| Loan loss allowance to noncurrent loans | 114.2489% | 2,455 |
| Noncurrent assets plus other real estate owned to assets | 1.9030% | 3,525 |
| Noncurrent loans to loans | 2.5673% | 2,991 |
| Net loans and leases to total assets | 71.9511% | 2,760 |
| Net loans and leases to deposits | 83.4176% | 3,374 |
| Net loans and leases to core deposits | 141.0542% | 771 |
| Total domestic deposits to total assets | 86.2540% | 2,887 |
| Equity capital to assets | 12.0161% | 2,031 |
| Core capital (leverage) ratio | 12.5834% | 1,414 |
| Tier 1 risk-based capital ratio | 14.5846% | 3,158 |
| Total risk-based capital ratio | 15.8530% | 3,103 |
| Memoranda: | ||
| Average total assets | $59,159,800 | 6,383 |
| Average earning assets | $56,243,800 | 6,281 |
| Average equity | $8,731,000 | 5,687 |
| Average total loans | $42,846,200 | 5,985 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6797% | 3,437 |
| Cost of funding earning assets | 2.3904% | 1,665 |
| Net interest margin | 3.2892% | 5,688 |
| Noninterest income to average assets | 0.0568% | 7,617 |
| Noninterest expense to average assets | 6.4613% | 251 |
| Loan and lease loss provision to assets | 0.1205% | 6,159 |
| Net operating income to assets | -3.4284% | 7,676 |
| Return on assets (ROA) | -3.4216% | 7,682 |
| Pretax return on assets | -3.3898% | 7,594 |
| Return on Equity (ROE) | -22.1121% | 7,446 |
| Retained earnings to average equity (ytd only) | -22.1121% | 7,414 |
| Net charge-offs to loans | 0.9602% | 2,056 |
| Credit loss provision to net charge-offs | 17.4342% | 6,591 |
| Earnings coverage of net charge-offs (x) | -4.7402% | 6,849 |
| Efficiency ratio | 202.8551% | 149 |
| Assets per employee ($millions) | 4.7059% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 2,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 66.3697% | 4,338 |
| Net loans and leases to deposits | 78.7521% | 4,609 |
| Net loans and leases to core deposits | 110.5987% | 3,173 |
| Total domestic deposits to total assets | 84.2768% | 3,591 |
| Equity capital to assets | 13.7584% | 1,394 |
| Core capital (leverage) ratio | 14.3778% | 989 |
| Tier 1 risk-based capital ratio | 17.5575% | 2,108 |
| Total risk-based capital ratio | 18.8089% | 2,070 |
| Memoranda: | ||
| Average total assets | $58,645,250 | 6,444 |
| Average earning assets | $55,776,500 | 6,346 |
| Average equity | $9,074,750 | 5,641 |
| Average total loans | $42,213,250 | 6,060 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7194% | 3,438 |
| Cost of funding earning assets | 2.6135% | 1,248 |
| Net interest margin | 3.1058% | 6,219 |
| Noninterest income to average assets | 0.0588% | 7,693 |
| Noninterest expense to average assets | 7.0379% | 215 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -4.0380% | 7,838 |
| Return on assets (ROA) | -4.0276% | 7,830 |
| Pretax return on assets | -3.9999% | 7,750 |
| Return on Equity (ROE) | -25.0484% | 7,628 |
| Retained earnings to average equity (ytd only) | -25.0484% | 7,592 |
| Net charge-offs to loans | 0.6350% | 2,449 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -8.5852% | 6,511 |
| Efficiency ratio | 232.4571% | 139 |
| Assets per employee ($millions) | 4.3822% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8809% | 1,842 |
| Loan loss allowance to noncurrent loans | 472.7811% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 6,729 |
| Noncurrent loans to loans | 0.3978% | 6,514 |
| Net loans and leases to total assets | 73.1626% | 2,917 |
| Net loans and leases to deposits | 88.5020% | 3,089 |
| Net loans and leases to core deposits | 131.2715% | 1,467 |
| Total domestic deposits to total assets | 82.6678% | 4,392 |
| Equity capital to assets | 15.2364% | 977 |
| Core capital (leverage) ratio | 14.9920% | 923 |
| Tier 1 risk-based capital ratio | 18.2623% | 1,943 |
| Total risk-based capital ratio | 19.5168% | 1,891 |
| Memoranda: | ||
| Average total assets | $57,801,330 | 6,524 |
| Average earning assets | $55,250,670 | 6,417 |
| Average equity | $9,294,000 | 5,584 |
| Average total loans | $42,522,330 | 6,090 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9186% | 2,708 |
| Cost of funding earning assets | 3.0873% | 471 |
| Net interest margin | 2.8313% | 6,926 |
| Noninterest income to average assets | 0.0412% | 7,879 |
| Noninterest expense to average assets | 6.7196% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -3.9576% | 7,974 |
| Return on assets (ROA) | -3.9576% | 7,966 |
| Pretax return on assets | -3.9438% | 7,894 |
| Return on Equity (ROE) | -23.9975% | 7,828 |
| Retained earnings to average equity (ytd only) | -23.9975% | 7,745 |
| Net charge-offs to loans | 0.1880% | 3,507 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -28.7000% | 5,681 |
| Efficiency ratio | 242.0792% | 133 |
| Assets per employee ($millions) | 4.4585% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1126% | 1,209 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 67.8479% | 4,174 |
| Net loans and leases to deposits | 82.0848% | 4,269 |
| Net loans and leases to core deposits | 112.4237% | 3,175 |
| Total domestic deposits to total assets | 82.6559% | 4,308 |
| Equity capital to assets | 14.8977% | 1,130 |
| Core capital (leverage) ratio | 13.7653% | 1,244 |
| Tier 1 risk-based capital ratio | 19.1173% | 1,786 |
| Total risk-based capital ratio | 20.3753% | 1,750 |
| Memoranda: | ||
| Average total assets | $58,217,500 | 6,536 |
| Average earning assets | $56,229,500 | 6,405 |
| Average equity | $9,601,000 | 5,506 |
| Average total loans | $42,544,000 | 6,111 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 8,066 |
| Cost of funding earning assets | 2.2385% | 5,426 |
| Net interest margin | 2.0588% | 8,036 |
| Noninterest income to average assets | 0.1465% | 7,367 |
| Noninterest expense to average assets | 12.1051% | 109 |
| Loan and lease loss provision to assets | 1.9271% | 646 |
| Net operating income to assets | -11.9008% | 8,271 |
| Return on assets (ROA) | -11.8575% | 8,271 |
| Pretax return on assets | -11.8575% | 8,263 |
| Return on Equity (ROE) | -45.5037% | 8,126 |
| Retained earnings to average equity (ytd only) | -45.5037% | 8,100 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 567.9574% | 36 |
| Assets per employee ($millions) | 3.6011% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2332% | 916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.6998% | 2,708 |
| Net loans and leases to deposits | 96.8269% | 2,310 |
| Net loans and leases to core deposits | 125.0612% | 2,247 |
| Total domestic deposits to total assets | 78.1805% | 5,651 |
| Equity capital to assets | 18.3335% | 614 |
| Core capital (leverage) ratio | 18.5049% | 555 |
| Tier 1 risk-based capital ratio | 22.9046% | 1,208 |
| Total risk-based capital ratio | 24.1665% | 1,178 |
| Memoranda: | ||
| Average total assets | $48,467,250 | 6,842 |
| Average earning assets | $46,726,750 | 6,726 |
| Average equity | $12,629,750 | 4,666 |
| Average total loans | $20,272,750 | 7,316 |