Home > SouthFirst Bank > Performance and Condition Ratios
SouthFirst 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 | 3.1737% | 3,732 |
| Cost of funding earning assets | 0.4466% | 1,749 |
| Net interest margin | 2.7271% | 3,907 |
| Noninterest income to average assets | 0.3909% | 3,140 |
| Noninterest expense to average assets | 3.0922% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.2085% | 4,841 |
| Return on assets (ROA) | -0.2085% | 4,845 |
| Pretax return on assets | -0.2085% | 4,837 |
| Return on Equity (ROE) | -2.0567% | 4,859 |
| Retained earnings to average equity (ytd only) | -2.0567% | 4,540 |
| Net charge-offs to loans | -0.0084% | 3,607 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2289% | 126 |
| Assets per employee ($millions) | 4.7524% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9341% | 697 |
| Loan loss allowance to noncurrent loans | 406.0465% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1373% | 674 |
| Noncurrent loans to loans | 0.4763% | 2,418 |
| Net loans and leases to total assets | 46.5717% | 3,917 |
| Net loans and leases to deposits | 51.9207% | 4,049 |
| Net loans and leases to core deposits | 56.7340% | 3,928 |
| Total domestic deposits to total assets | 89.6977% | 970 |
| Equity capital to assets | 9.5953% | 3,109 |
| Core capital (leverage) ratio | 10.1180% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2647% | 649 |
| Memoranda: | ||
| Average total assets | $92,104,000 | 4,160 |
| Average earning assets | $84,192,000 | 4,163 |
| Average equity | $9,335,500 | 4,291 |
| Average total loans | $47,342,500 | 4,152 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8084% | 3,276 |
| Cost of funding earning assets | 0.5585% | 2,564 |
| Net interest margin | 3.2499% | 3,210 |
| Noninterest income to average assets | 0.2343% | 4,096 |
| Noninterest expense to average assets | 3.6963% | 527 |
| Loan and lease loss provision to assets | 0.0059% | 4,279 |
| Net operating income to assets | -0.5146% | 4,884 |
| Return on assets (ROA) | -0.5146% | 4,888 |
| Pretax return on assets | -0.5146% | 4,881 |
| Return on Equity (ROE) | -4.4543% | 4,889 |
| Retained earnings to average equity (ytd only) | -5.7284% | 4,848 |
| Net charge-offs to loans | -0.0601% | 4,707 |
| Credit loss provision to net charge-offs | -16.1290% | 3,670 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.9586% | 92 |
| Assets per employee ($millions) | 4.0528% | 4,337 |
| Cash dividends to net income (ytd only)* | -28.6041% | 4,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7599% | 933 |
| Loan loss allowance to noncurrent loans | 213.2029% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 1.7575% | 359 |
| Noncurrent loans to loans | 0.8255% | 1,697 |
| Net loans and leases to total assets | 54.5923% | 3,435 |
| Net loans and leases to deposits | 61.6811% | 3,627 |
| Net loans and leases to core deposits | 67.9505% | 3,417 |
| Total domestic deposits to total assets | 88.5073% | 1,223 |
| Equity capital to assets | 10.7121% | 2,508 |
| Core capital (leverage) ratio | 10.4616% | 2,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2109% | 564 |
| Memoranda: | ||
| Average total assets | $84,922,800 | 4,189 |
| Average earning assets | $77,171,000 | 4,198 |
| Average equity | $9,810,800 | 4,213 |
| Average total loans | $51,542,600 | 4,082 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 2,835 |
| Cost of funding earning assets | 0.5807% | 2,735 |
| Net interest margin | 3.4666% | 2,702 |
| Noninterest income to average assets | 0.2083% | 4,229 |
| Noninterest expense to average assets | 3.7139% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.3545% | 4,874 |
| Return on assets (ROA) | -0.3545% | 4,882 |
| Pretax return on assets | -0.3545% | 4,874 |
| Return on Equity (ROE) | -3.0107% | 4,886 |
| Retained earnings to average equity (ytd only) | -4.6983% | 4,835 |
| Net charge-offs to loans | -0.0769% | 4,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5537% | 109 |
| Assets per employee ($millions) | 4.0634% | 4,273 |
| Cash dividends to net income (ytd only)* | -56.0538% | 5,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6603% | 965 |
| Loan loss allowance to noncurrent loans | 114.2480% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 1.9789% | 333 |
| Noncurrent loans to loans | 1.4532% | 990 |
| Net loans and leases to total assets | 57.3779% | 3,481 |
| Net loans and leases to deposits | 65.0893% | 3,693 |
| Net loans and leases to core deposits | 71.9690% | 3,477 |
| Total domestic deposits to total assets | 88.1526% | 1,148 |
| Equity capital to assets | 10.9346% | 2,439 |
| Core capital (leverage) ratio | 10.7637% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1138% | 577 |
| Memoranda: | ||
| Average total assets | $83,863,250 | 4,201 |
| Average earning assets | $76,231,250 | 4,219 |
| Average equity | $9,875,750 | 4,216 |
| Average total loans | $52,041,500 | 4,095 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4333% | 2,120 |
| Cost of funding earning assets | 0.6134% | 2,903 |
| Net interest margin | 3.8200% | 1,776 |
| Noninterest income to average assets | 0.1609% | 4,488 |
| Noninterest expense to average assets | 3.8040% | 499 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.1804% | 4,857 |
| Return on assets (ROA) | -0.1804% | 4,857 |
| Pretax return on assets | -0.1804% | 4,843 |
| Return on Equity (ROE) | -1.4935% | 4,860 |
| Retained earnings to average equity (ytd only) | -4.0164% | 4,726 |
| Net charge-offs to loans | -0.2038% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9798% | 137 |
| Assets per employee ($millions) | 3.4019% | 4,710 |
| Cash dividends to net income (ytd only)* | -168.9189% | 5,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6743% | 869 |
| Loan loss allowance to noncurrent loans | 90.3455% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 2.2171% | 297 |
| Noncurrent loans to loans | 1.8532% | 750 |
| Net loans and leases to total assets | 59.0272% | 3,422 |
| Net loans and leases to deposits | 67.2138% | 3,627 |
| Net loans and leases to core deposits | 73.4624% | 3,491 |
| Total domestic deposits to total assets | 87.8201% | 1,278 |
| Equity capital to assets | 11.2291% | 2,162 |
| Core capital (leverage) ratio | 11.1106% | 1,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7419% | 522 |
| Memoranda: | ||
| Average total assets | $82,019,333 | 4,231 |
| Average earning assets | $74,345,667 | 4,243 |
| Average equity | $9,909,333 | 4,228 |
| Average total loans | $52,002,333 | 4,103 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2503% | 3,069 |
| Cost of funding earning assets | 0.6578% | 3,127 |
| Net interest margin | 3.5925% | 2,692 |
| Noninterest income to average assets | 0.7766% | 1,376 |
| Noninterest expense to average assets | 3.9236% | 548 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0964% | 4,663 |
| Return on assets (ROA) | 0.0964% | 4,655 |
| Pretax return on assets | 0.0964% | 4,665 |
| Return on Equity (ROE) | 0.7678% | 4,653 |
| Retained earnings to average equity (ytd only) | 0.7678% | 3,798 |
| Net charge-offs to loans | -0.4042% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6010% | 283 |
| Assets per employee ($millions) | 3.1038% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 769 |
| Loan loss allowance to noncurrent loans | 81.6927% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 2.8724% | 214 |
| Noncurrent loans to loans | 2.1521% | 628 |
| Net loans and leases to total assets | 61.4885% | 3,349 |
| Net loans and leases to deposits | 70.8898% | 3,526 |
| Net loans and leases to core deposits | 77.0664% | 3,427 |
| Total domestic deposits to total assets | 86.7382% | 1,675 |
| Equity capital to assets | 12.3324% | 1,839 |
| Core capital (leverage) ratio | 12.5318% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5704% | 593 |
| Memoranda: | ||
| Average total assets | $78,804,500 | 4,278 |
| Average earning assets | $71,148,000 | 4,295 |
| Average equity | $9,898,000 | 4,254 |
| Average total loans | $51,454,500 | 4,128 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 2,564 |
| Cost of funding earning assets | 0.7266% | 3,032 |
| Net interest margin | 3.8859% | 2,226 |
| Noninterest income to average assets | 1.0168% | 940 |
| Noninterest expense to average assets | 4.5584% | 290 |
| Loan and lease loss provision to assets | 0.0696% | 2,615 |
| Net operating income to assets | -0.0174% | 4,976 |
| Return on assets (ROA) | -0.0174% | 4,997 |
| Pretax return on assets | -0.0945% | 5,005 |
| Return on Equity (ROE) | -0.1450% | 4,997 |
| Retained earnings to average equity (ytd only) | -1.4397% | 4,839 |
| Net charge-offs to loans | 0.3972% | 491 |
| Credit loss provision to net charge-offs | 26.4151% | 3,293 |
| Earnings coverage of net charge-offs (x) | -0.0943% | 3,637 |
| Efficiency ratio | 100.5484% | 154 |
| Assets per employee ($millions) | 2.5637% | 4,982 |
| Cash dividends to net income (ytd only)* | -892.8571% | 5,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 991 |
| Loan loss allowance to noncurrent loans | 68.8633% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 3.2232% | 158 |
| Noncurrent loans to loans | 2.3167% | 511 |
| Net loans and leases to total assets | 67.0450% | 2,820 |
| Net loans and leases to deposits | 77.9151% | 3,017 |
| Net loans and leases to core deposits | 84.7259% | 2,897 |
| Total domestic deposits to total assets | 86.0488% | 2,048 |
| Equity capital to assets | 12.7992% | 1,640 |
| Core capital (leverage) ratio | 12.6148% | 1,422 |
| Tier 1 risk-based capital ratio | 20.6241% | 1,234 |
| Total risk-based capital ratio | 21.8790% | 1,197 |
| Memoranda: | ||
| Average total assets | $80,445,600 | 4,277 |
| Average earning assets | $72,802,600 | 4,302 |
| Average equity | $9,654,600 | 4,291 |
| Average total loans | $53,372,800 | 4,115 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 2,661 |
| Cost of funding earning assets | 0.7258% | 3,091 |
| Net interest margin | 3.8935% | 2,278 |
| Noninterest income to average assets | 0.9902% | 956 |
| Noninterest expense to average assets | 4.5936% | 277 |
| Loan and lease loss provision to assets | 0.3262% | 428 |
| Net operating income to assets | -0.3017% | 5,116 |
| Return on assets (ROA) | -0.3017% | 5,123 |
| Pretax return on assets | -0.4033% | 5,129 |
| Return on Equity (ROE) | -2.5536% | 5,130 |
| Retained earnings to average equity (ytd only) | -4.2883% | 5,035 |
| Net charge-offs to loans | 0.5943% | 272 |
| Credit loss provision to net charge-offs | 83.2636% | 2,463 |
| Earnings coverage of net charge-offs (x) | -0.1967% | 3,384 |
| Efficiency ratio | 101.7060% | 140 |
| Assets per employee ($millions) | 2.3910% | 5,102 |
| Cash dividends to net income (ytd only)* | -67.9330% | 5,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 768 |
| Loan loss allowance to noncurrent loans | 53.4831% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 3.8173% | 117 |
| Noncurrent loans to loans | 3.2386% | 275 |
| Net loans and leases to total assets | 68.4503% | 2,721 |
| Net loans and leases to deposits | 79.0973% | 2,999 |
| Net loans and leases to core deposits | 85.0846% | 2,984 |
| Total domestic deposits to total assets | 86.5393% | 1,747 |
| Equity capital to assets | 12.1819% | 2,129 |
| Core capital (leverage) ratio | 11.8424% | 1,966 |
| Tier 1 risk-based capital ratio | 19.4178% | 1,478 |
| Total risk-based capital ratio | 20.6746% | 1,448 |
| Memoranda: | ||
| Average total assets | $81,329,250 | 4,319 |
| Average earning assets | $73,659,500 | 4,344 |
| Average equity | $9,607,250 | 4,342 |
| Average total loans | $53,615,750 | 4,157 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6270% | 2,591 |
| Cost of funding earning assets | 0.7094% | 3,115 |
| Net interest margin | 3.9176% | 2,193 |
| Noninterest income to average assets | 0.8571% | 1,185 |
| Noninterest expense to average assets | 4.5874% | 282 |
| Loan and lease loss provision to assets | 0.0706% | 2,407 |
| Net operating income to assets | -0.0998% | 5,131 |
| Return on assets (ROA) | -0.0998% | 5,135 |
| Pretax return on assets | -0.2508% | 5,157 |
| Return on Equity (ROE) | -0.8537% | 5,137 |
| Retained earnings to average equity (ytd only) | -3.4563% | 4,992 |
| Net charge-offs to loans | 0.1655% | 968 |
| Credit loss provision to net charge-offs | 65.9091% | 2,356 |
| Earnings coverage of net charge-offs (x) | -1.6818% | 3,124 |
| Efficiency ratio | 104.0884% | 130 |
| Assets per employee ($millions) | 2.3823% | 5,152 |
| Cash dividends to net income (ytd only)* | -304.8780% | 5,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 722 |
| Loan loss allowance to noncurrent loans | 53.6813% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 3.7704% | 126 |
| Noncurrent loans to loans | 3.2961% | 279 |
| Net loans and leases to total assets | 66.9626% | 2,966 |
| Net loans and leases to deposits | 77.1141% | 3,237 |
| Net loans and leases to core deposits | 83.1746% | 3,182 |
| Total domestic deposits to total assets | 86.8356% | 1,671 |
| Equity capital to assets | 11.9705% | 2,206 |
| Core capital (leverage) ratio | 11.9254% | 1,873 |
| Tier 1 risk-based capital ratio | 19.3955% | 1,461 |
| Total risk-based capital ratio | 20.6525% | 1,427 |
| Memoranda: | ||
| Average total assets | $82,137,670 | 4,344 |
| Average earning assets | $74,433,330 | 4,362 |
| Average equity | $9,605,670 | 4,355 |
| Average total loans | $53,167,000 | 4,197 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6275% | 2,446 |
| Cost of funding earning assets | 0.6824% | 3,141 |
| Net interest margin | 3.9451% | 2,042 |
| Noninterest income to average assets | 0.7158% | 1,559 |
| Noninterest expense to average assets | 4.5026% | 286 |
| Loan and lease loss provision to assets | 0.0919% | 1,885 |
| Net operating income to assets | 0.0000% | 5,147 |
| Return on assets (ROA) | 0.0000% | 5,150 |
| Pretax return on assets | -0.2999% | 5,214 |
| Return on Equity (ROE) | 0.0000% | 5,150 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,528 |
| Net charge-offs to loans | -0.0230% | 4,542 |
| Credit loss provision to net charge-offs | -633.3333% | 3,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8423% | 134 |
| Assets per employee ($millions) | 2.5956% | 5,152 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 587 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 3.7576% | 129 |
| Noncurrent loans to loans | 3.4943% | 262 |
| Net loans and leases to total assets | 62.8312% | 3,419 |
| Net loans and leases to deposits | 72.0158% | 3,602 |
| Net loans and leases to core deposits | 77.4863% | 3,559 |
| Total domestic deposits to total assets | 87.2464% | 1,690 |
| Equity capital to assets | 11.6411% | 2,281 |
| Core capital (leverage) ratio | 12.0789% | 1,727 |
| Tier 1 risk-based capital ratio | 19.7912% | 1,378 |
| Total risk-based capital ratio | 21.0504% | 1,352 |
| Memoranda: | ||
| Average total assets | $82,707,000 | 4,371 |
| Average earning assets | $75,030,500 | 4,387 |
| Average equity | $9,560,500 | 4,396 |
| Average total loans | $52,142,500 | 4,261 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 3,214 |
| Cost of funding earning assets | 0.5376% | 3,131 |
| Net interest margin | 3.7328% | 2,928 |
| Noninterest income to average assets | 0.8512% | 1,304 |
| Noninterest expense to average assets | 4.1890% | 404 |
| Loan and lease loss provision to assets | 0.1191% | 1,853 |
| Net operating income to assets | -0.0682% | 5,252 |
| Return on assets (ROA) | -0.0682% | 5,249 |
| Pretax return on assets | -0.0682% | 5,244 |
| Return on Equity (ROE) | -0.6121% | 5,251 |
| Retained earnings to average equity (ytd only) | -2.7391% | 5,170 |
| Net charge-offs to loans | 0.0614% | 2,252 |
| Credit loss provision to net charge-offs | 321.8750% | 972 |
| Earnings coverage of net charge-offs (x) | 1.3750% | 3,632 |
| Efficiency ratio | 98.7998% | 161 |
| Assets per employee ($millions) | 2.7452% | 5,119 |
| Cash dividends to net income (ytd only)* | -347.4576% | 5,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 533 |
| Loan loss allowance to noncurrent loans | 61.0837% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 3.5663% | 144 |
| Noncurrent loans to loans | 3.1791% | 306 |
| Net loans and leases to total assets | 60.8245% | 3,684 |
| Net loans and leases to deposits | 69.5635% | 3,861 |
| Net loans and leases to core deposits | 74.5018% | 3,818 |
| Total domestic deposits to total assets | 87.4373% | 1,569 |
| Equity capital to assets | 11.4771% | 2,267 |
| Core capital (leverage) ratio | 12.1083% | 1,665 |
| Tier 1 risk-based capital ratio | 20.1044% | 1,289 |
| Total risk-based capital ratio | 21.3632% | 1,264 |
| Memoranda: | ||
| Average total assets | $86,463,800 | 4,322 |
| Average earning assets | $78,493,000 | 4,339 |
| Average equity | $9,638,200 | 4,363 |
| Average total loans | $52,136,200 | 4,261 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2278% | 3,214 |
| Cost of funding earning assets | 0.5169% | 3,084 |
| Net interest margin | 3.7108% | 2,981 |
| Noninterest income to average assets | 0.6690% | 1,981 |
| Noninterest expense to average assets | 4.0780% | 472 |
| Loan and lease loss provision to assets | 0.0625% | 2,724 |
| Net operating income to assets | -0.1021% | 5,329 |
| Return on assets (ROA) | -0.1021% | 5,328 |
| Pretax return on assets | -0.1021% | 5,323 |
| Return on Equity (ROE) | -0.9224% | 5,332 |
| Retained earnings to average equity (ytd only) | -2.7121% | 5,238 |
| Net charge-offs to loans | 0.0840% | 1,676 |
| Credit loss provision to net charge-offs | 124.2424% | 1,946 |
| Earnings coverage of net charge-offs (x) | -0.7880% | 3,436 |
| Efficiency ratio | 100.9811% | 141 |
| Assets per employee ($millions) | 2.7181% | 5,203 |
| Cash dividends to net income (ytd only)* | -194.0334% | 5,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7666% | 775 |
| Loan loss allowance to noncurrent loans | 94.6029% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 2.8056% | 279 |
| Noncurrent loans to loans | 1.8673% | 813 |
| Net loans and leases to total assets | 61.3090% | 3,720 |
| Net loans and leases to deposits | 70.1412% | 3,907 |
| Net loans and leases to core deposits | 74.1439% | 3,937 |
| Total domestic deposits to total assets | 87.4080% | 1,540 |
| Equity capital to assets | 11.2248% | 2,452 |
| Core capital (leverage) ratio | 11.9101% | 1,835 |
| Tier 1 risk-based capital ratio | 19.5443% | 1,428 |
| Total risk-based capital ratio | 20.8008% | 1,393 |
| Memoranda: | ||
| Average total assets | $87,491,000 | 4,358 |
| Average earning assets | $79,441,250 | 4,374 |
| Average equity | $9,684,750 | 4,389 |
| Average total loans | $52,399,250 | 4,302 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 3,216 |
| Cost of funding earning assets | 0.5067% | 2,960 |
| Net interest margin | 3.6609% | 3,074 |
| Noninterest income to average assets | 0.6616% | 2,044 |
| Noninterest expense to average assets | 3.9405% | 583 |
| Loan and lease loss provision to assets | 0.0452% | 3,003 |
| Net operating income to assets | 0.0045% | 5,340 |
| Return on assets (ROA) | 0.0045% | 5,334 |
| Pretax return on assets | 0.0045% | 5,334 |
| Return on Equity (ROE) | 0.0410% | 5,334 |
| Retained earnings to average equity (ytd only) | -2.6229% | 5,194 |
| Net charge-offs to loans | -0.0306% | 4,741 |
| Credit loss provision to net charge-offs | -250.0000% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7550% | 188 |
| Assets per employee ($millions) | 2.7927% | 5,222 |
| Cash dividends to net income (ytd only)* | 6,500.0000% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 722 |
| Loan loss allowance to noncurrent loans | 112.0425% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 2.6705% | 308 |
| Noncurrent loans to loans | 1.6262% | 994 |
| Net loans and leases to total assets | 59.0662% | 3,896 |
| Net loans and leases to deposits | 67.3400% | 4,066 |
| Net loans and leases to core deposits | 70.7892% | 4,102 |
| Total domestic deposits to total assets | 87.7134% | 1,530 |
| Equity capital to assets | 11.0264% | 2,616 |
| Core capital (leverage) ratio | 11.4882% | 2,087 |
| Tier 1 risk-based capital ratio | 19.6430% | 1,393 |
| Total risk-based capital ratio | 20.8992% | 1,361 |
| Memoranda: | ||
| Average total assets | $88,568,000 | 4,374 |
| Average earning assets | $80,526,670 | 4,393 |
| Average equity | $9,760,330 | 4,414 |
| Average total loans | $52,336,330 | 4,342 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1198% | 3,166 |
| Cost of funding earning assets | 0.4954% | 2,834 |
| Net interest margin | 3.6245% | 3,093 |
| Noninterest income to average assets | 0.6118% | 2,205 |
| Noninterest expense to average assets | 3.8944% | 595 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.0179% | 5,380 |
| Return on assets (ROA) | 0.0179% | 5,377 |
| Pretax return on assets | 0.0179% | 5,384 |
| Return on Equity (ROE) | 0.1621% | 5,376 |
| Retained earnings to average equity (ytd only) | 0.1621% | 4,783 |
| Net charge-offs to loans | -0.0457% | 4,932 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5434% | 180 |
| Assets per employee ($millions) | 2.7504% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 848 |
| Loan loss allowance to noncurrent loans | 108.0420% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 2.6019% | 345 |
| Noncurrent loans to loans | 1.6291% | 1,067 |
| Net loans and leases to total assets | 58.7872% | 3,876 |
| Net loans and leases to deposits | 67.0238% | 4,021 |
| Net loans and leases to core deposits | 70.3950% | 4,065 |
| Total domestic deposits to total assets | 87.7110% | 1,784 |
| Equity capital to assets | 11.0653% | 2,519 |
| Core capital (leverage) ratio | 11.5032% | 2,009 |
| Tier 1 risk-based capital ratio | 19.8796% | 1,365 |
| Total risk-based capital ratio | 21.1363% | 1,334 |
| Memoranda: | ||
| Average total assets | $89,565,000 | 4,405 |
| Average earning assets | $81,557,000 | 4,413 |
| Average equity | $9,867,500 | 4,446 |
| Average total loans | $52,462,000 | 4,381 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,287 |
| Cost of funding earning assets | 0.4938% | 2,385 |
| Net interest margin | 3.5430% | 3,363 |
| Noninterest income to average assets | 1.1602% | 763 |
| Noninterest expense to average assets | 3.9736% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3960% | 4,708 |
| Return on assets (ROA) | 0.3960% | 4,720 |
| Pretax return on assets | 0.3960% | 5,093 |
| Return on Equity (ROE) | 3.5639% | 4,659 |
| Retained earnings to average equity (ytd only) | 2.5600% | 3,789 |
| Net charge-offs to loans | -0.0268% | 5,030 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9369% | 384 |
| Assets per employee ($millions) | 3.2541% | 4,985 |
| Cash dividends to net income (ytd only)* | 28.1690% | 3,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7625% | 838 |
| Loan loss allowance to noncurrent loans | 141.2577% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 2.4332% | 393 |
| Noncurrent loans to loans | 1.2477% | 1,416 |
| Net loans and leases to total assets | 56.3403% | 4,156 |
| Net loans and leases to deposits | 64.1046% | 4,312 |
| Net loans and leases to core deposits | 67.2258% | 4,346 |
| Total domestic deposits to total assets | 87.8880% | 1,557 |
| Equity capital to assets | 10.9706% | 2,652 |
| Core capital (leverage) ratio | 11.4388% | 1,984 |
| Tier 1 risk-based capital ratio | 20.0067% | 1,320 |
| Total risk-based capital ratio | 21.2622% | 1,281 |
| Memoranda: | ||
| Average total assets | $89,642,600 | 4,430 |
| Average earning assets | $81,201,800 | 4,440 |
| Average equity | $9,961,000 | 4,455 |
| Average total loans | $55,890,600 | 4,294 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 3,152 |
| Cost of funding earning assets | 0.4922% | 2,338 |
| Net interest margin | 3.5644% | 3,277 |
| Noninterest income to average assets | 1.3113% | 618 |
| Noninterest expense to average assets | 4.1146% | 451 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4197% | 4,958 |
| Return on assets (ROA) | 0.4197% | 4,985 |
| Pretax return on assets | 0.4197% | 5,156 |
| Return on Equity (ROE) | 3.7646% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.4249% | 4,439 |
| Net charge-offs to loans | -0.0282% | 4,977 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7444% | 381 |
| Assets per employee ($millions) | 3.1643% | 5,111 |
| Cash dividends to net income (ytd only)* | 35.5869% | 2,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 1,008 |
| Loan loss allowance to noncurrent loans | 113.0542% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 2.8544% | 330 |
| Noncurrent loans to loans | 1.5140% | 1,232 |
| Net loans and leases to total assets | 59.4995% | 3,921 |
| Net loans and leases to deposits | 68.0022% | 4,110 |
| Net loans and leases to core deposits | 71.3932% | 4,162 |
| Total domestic deposits to total assets | 87.4965% | 1,628 |
| Equity capital to assets | 11.3511% | 2,521 |
| Core capital (leverage) ratio | 11.3675% | 2,127 |
| Tier 1 risk-based capital ratio | 19.7015% | 1,437 |
| Total risk-based capital ratio | 20.9567% | 1,394 |
| Memoranda: | ||
| Average total assets | $89,274,250 | 4,480 |
| Average earning assets | $80,721,500 | 4,496 |
| Average equity | $9,952,250 | 4,504 |
| Average total loans | $56,799,250 | 4,311 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 3,140 |
| Cost of funding earning assets | 0.4897% | 2,253 |
| Net interest margin | 3.5295% | 3,297 |
| Noninterest income to average assets | 1.3698% | 570 |
| Noninterest expense to average assets | 4.1207% | 457 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4380% | 4,872 |
| Return on assets (ROA) | 0.4380% | 4,898 |
| Pretax return on assets | 0.4380% | 5,099 |
| Return on Equity (ROE) | 3.9527% | 4,840 |
| Retained earnings to average equity (ytd only) | 1.9360% | 4,477 |
| Net charge-offs to loans | -0.0380% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3922% | 433 |
| Assets per employee ($millions) | 3.2069% | 5,084 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6579% | 1,136 |
| Loan loss allowance to noncurrent loans | 102.2297% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.8956% | 331 |
| Noncurrent loans to loans | 1.6217% | 1,138 |
| Net loans and leases to total assets | 60.5778% | 3,785 |
| Net loans and leases to deposits | 68.9938% | 3,990 |
| Net loans and leases to core deposits | 71.6163% | 4,117 |
| Total domestic deposits to total assets | 87.8018% | 1,562 |
| Equity capital to assets | 11.1580% | 2,647 |
| Core capital (leverage) ratio | 11.2611% | 2,164 |
| Tier 1 risk-based capital ratio | 19.1532% | 1,561 |
| Total risk-based capital ratio | 20.4087% | 1,506 |
| Memoranda: | ||
| Average total assets | $89,499,330 | 4,503 |
| Average earning assets | $80,861,670 | 4,522 |
| Average equity | $9,917,330 | 4,516 |
| Average total loans | $57,854,330 | 4,318 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 2,803 |
| Cost of funding earning assets | 0.4819% | 2,236 |
| Net interest margin | 3.5774% | 2,974 |
| Noninterest income to average assets | 1.2355% | 673 |
| Noninterest expense to average assets | 4.0200% | 527 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4387% | 4,817 |
| Return on assets (ROA) | 0.4387% | 4,841 |
| Pretax return on assets | 0.4387% | 5,079 |
| Return on Equity (ROE) | 3.9730% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.9730% | 3,458 |
| Net charge-offs to loans | -0.0609% | 5,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1606% | 549 |
| Assets per employee ($millions) | 3.2080% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5289% | 1,590 |
| Loan loss allowance to noncurrent loans | 106.2718% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 2.8856% | 358 |
| Noncurrent loans to loans | 1.4387% | 1,400 |
| Net loans and leases to total assets | 65.6061% | 3,035 |
| Net loans and leases to deposits | 74.5987% | 3,345 |
| Net loans and leases to core deposits | 77.1497% | 3,546 |
| Total domestic deposits to total assets | 87.9453% | 1,745 |
| Equity capital to assets | 11.0472% | 2,585 |
| Core capital (leverage) ratio | 11.3419% | 2,068 |
| Tier 1 risk-based capital ratio | 18.0834% | 1,846 |
| Total risk-based capital ratio | 19.3369% | 1,808 |
| Memoranda: | ||
| Average total assets | $89,353,000 | 4,553 |
| Average earning assets | $80,506,500 | 4,574 |
| Average equity | $9,866,500 | 4,560 |
| Average total loans | $59,126,000 | 4,320 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 2,600 |
| Cost of funding earning assets | 0.5070% | 2,035 |
| Net interest margin | 3.6591% | 2,862 |
| Noninterest income to average assets | 1.1832% | 807 |
| Noninterest expense to average assets | 4.0041% | 594 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4757% | 4,726 |
| Return on assets (ROA) | 0.4757% | 4,801 |
| Pretax return on assets | 0.4757% | 5,077 |
| Return on Equity (ROE) | 4.3612% | 4,713 |
| Retained earnings to average equity (ytd only) | 3.3399% | 3,544 |
| Net charge-offs to loans | 0.0238% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,418 |
| Efficiency ratio | 89.3808% | 595 |
| Assets per employee ($millions) | 3.1744% | 5,187 |
| Cash dividends to net income (ytd only)* | 23.4192% | 3,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5512% | 1,504 |
| Loan loss allowance to noncurrent loans | 131.6860% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 2.7283% | 413 |
| Noncurrent loans to loans | 1.1779% | 1,742 |
| Net loans and leases to total assets | 64.6936% | 3,258 |
| Net loans and leases to deposits | 73.6748% | 3,548 |
| Net loans and leases to core deposits | 76.5374% | 3,704 |
| Total domestic deposits to total assets | 87.8097% | 1,736 |
| Equity capital to assets | 11.0371% | 2,607 |
| Core capital (leverage) ratio | 11.1269% | 2,230 |
| Tier 1 risk-based capital ratio | 18.3040% | 1,775 |
| Total risk-based capital ratio | 19.5578% | 1,739 |
| Memoranda: | ||
| Average total assets | $89,758,000 | 4,549 |
| Average earning assets | $80,866,000 | 4,574 |
| Average equity | $9,790,800 | 4,616 |
| Average total loans | $58,937,600 | 4,335 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1122% | 2,830 |
| Cost of funding earning assets | 0.5114% | 2,005 |
| Net interest margin | 3.6009% | 3,072 |
| Noninterest income to average assets | 1.1884% | 820 |
| Noninterest expense to average assets | 4.0261% | 570 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4075% | 4,993 |
| Return on assets (ROA) | 0.4075% | 5,087 |
| Pretax return on assets | 0.4075% | 5,293 |
| Return on Equity (ROE) | 3.7468% | 5,008 |
| Retained earnings to average equity (ytd only) | 2.3843% | 4,488 |
| Net charge-offs to loans | -0.0429% | 5,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8088% | 524 |
| Assets per employee ($millions) | 3.2071% | 5,170 |
| Cash dividends to net income (ytd only)* | 36.3634% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5914% | 1,500 |
| Loan loss allowance to noncurrent loans | 87.7570% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 3.1771% | 348 |
| Noncurrent loans to loans | 1.8135% | 1,138 |
| Net loans and leases to total assets | 64.6607% | 3,315 |
| Net loans and leases to deposits | 74.3381% | 3,565 |
| Net loans and leases to core deposits | 77.2405% | 3,728 |
| Total domestic deposits to total assets | 86.9819% | 1,908 |
| Equity capital to assets | 11.0103% | 2,999 |
| Core capital (leverage) ratio | 10.9663% | 2,481 |
| Tier 1 risk-based capital ratio | 17.9520% | 1,937 |
| Total risk-based capital ratio | 19.2061% | 1,899 |
| Memoranda: | ||
| Average total assets | $89,977,000 | 4,584 |
| Average earning assets | $81,089,250 | 4,600 |
| Average equity | $9,786,000 | 4,656 |
| Average total loans | $59,070,250 | 4,362 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0794% | 2,949 |
| Cost of funding earning assets | 0.5164% | 1,966 |
| Net interest margin | 3.5630% | 3,240 |
| Noninterest income to average assets | 1.2506% | 726 |
| Noninterest expense to average assets | 3.9762% | 611 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4776% | 4,775 |
| Return on assets (ROA) | 0.4776% | 4,874 |
| Pretax return on assets | 0.4776% | 5,182 |
| Return on Equity (ROE) | 4.4092% | 4,752 |
| Retained earnings to average equity (ytd only) | 2.3584% | 4,379 |
| Net charge-offs to loans | -0.0508% | 5,374 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2768% | 636 |
| Assets per employee ($millions) | 3.1759% | 5,241 |
| Cash dividends to net income (ytd only)* | 46.5116% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,601 |
| Loan loss allowance to noncurrent loans | 81.0225% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 3.4344% | 318 |
| Noncurrent loans to loans | 1.9438% | 1,032 |
| Net loans and leases to total assets | 65.7123% | 3,118 |
| Net loans and leases to deposits | 74.9096% | 3,490 |
| Net loans and leases to core deposits | 77.2998% | 3,712 |
| Total domestic deposits to total assets | 87.7221% | 1,559 |
| Equity capital to assets | 11.0724% | 2,975 |
| Core capital (leverage) ratio | 10.7715% | 2,678 |
| Tier 1 risk-based capital ratio | 17.7707% | 1,998 |
| Total risk-based capital ratio | 19.0254% | 1,955 |
| Memoranda: | ||
| Average total assets | $90,036,670 | 4,617 |
| Average earning assets | $80,942,330 | 4,643 |
| Average equity | $9,752,330 | 4,693 |
| Average total loans | $59,092,670 | 4,380 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9784% | 3,298 |
| Cost of funding earning assets | 0.5262% | 1,901 |
| Net interest margin | 3.4522% | 3,659 |
| Noninterest income to average assets | 1.0641% | 958 |
| Noninterest expense to average assets | 3.7354% | 857 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4283% | 4,908 |
| Return on assets (ROA) | 0.4283% | 4,986 |
| Pretax return on assets | 0.4283% | 5,250 |
| Return on Equity (ROE) | 3.9977% | 4,890 |
| Retained earnings to average equity (ytd only) | 3.9977% | 3,491 |
| Net charge-offs to loans | -0.0339% | 5,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7137% | 690 |
| Assets per employee ($millions) | 3.2806% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5607% | 1,748 |
| Loan loss allowance to noncurrent loans | 71.3735% | 4,292 |
| Noncurrent assets plus other real estate owned to assets | 3.5218% | 317 |
| Noncurrent loans to loans | 2.1866% | 943 |
| Net loans and leases to total assets | 63.5161% | 3,317 |
| Net loans and leases to deposits | 73.7058% | 3,464 |
| Net loans and leases to core deposits | 75.4266% | 3,736 |
| Total domestic deposits to total assets | 86.1753% | 2,601 |
| Equity capital to assets | 10.6394% | 3,323 |
| Core capital (leverage) ratio | 10.7721% | 2,648 |
| Tier 1 risk-based capital ratio | 17.9038% | 2,013 |
| Total risk-based capital ratio | 19.1591% | 1,978 |
| Memoranda: | ||
| Average total assets | $90,593,000 | 4,647 |
| Average earning assets | $81,339,500 | 4,673 |
| Average equity | $9,705,500 | 4,727 |
| Average total loans | $58,954,500 | 4,412 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9743% | 3,409 |
| Cost of funding earning assets | 0.5489% | 1,770 |
| Net interest margin | 3.4254% | 3,815 |
| Noninterest income to average assets | 1.0328% | 1,108 |
| Noninterest expense to average assets | 3.9678% | 701 |
| Loan and lease loss provision to assets | -0.1478% | 5,917 |
| Net operating income to assets | 0.3088% | 5,331 |
| Return on assets (ROA) | 0.3088% | 5,414 |
| Pretax return on assets | 0.3088% | 5,505 |
| Return on Equity (ROE) | 2.9498% | 5,318 |
| Retained earnings to average equity (ytd only) | 0.8577% | 5,176 |
| Net charge-offs to loans | 0.3209% | 931 |
| Credit loss provision to net charge-offs | -69.5876% | 5,091 |
| Earnings coverage of net charge-offs (x) | 0.7577% | 4,185 |
| Efficiency ratio | 96.1008% | 392 |
| Assets per employee ($millions) | 3.1903% | 5,304 |
| Cash dividends to net income (ytd only)* | 70.9220% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5689% | 1,726 |
| Loan loss allowance to noncurrent loans | 68.9139% | 4,414 |
| Noncurrent assets plus other real estate owned to assets | 3.6729% | 307 |
| Noncurrent loans to loans | 2.2766% | 847 |
| Net loans and leases to total assets | 64.6151% | 3,180 |
| Net loans and leases to deposits | 75.1739% | 3,357 |
| Net loans and leases to core deposits | 76.7186% | 3,692 |
| Total domestic deposits to total assets | 85.9542% | 2,664 |
| Equity capital to assets | 10.7893% | 3,042 |
| Core capital (leverage) ratio | 10.8215% | 2,586 |
| Tier 1 risk-based capital ratio | 17.9861% | 1,969 |
| Total risk-based capital ratio | 19.2413% | 1,924 |
| Memoranda: | ||
| Average total assets | $91,309,200 | 4,642 |
| Average earning assets | $82,529,800 | 4,664 |
| Average equity | $9,560,000 | 4,734 |
| Average total loans | $60,461,600 | 4,368 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 3,409 |
| Cost of funding earning assets | 0.5501% | 1,808 |
| Net interest margin | 3.4303% | 3,835 |
| Noninterest income to average assets | 1.0951% | 1,007 |
| Noninterest expense to average assets | 4.0593% | 623 |
| Loan and lease loss provision to assets | -0.1380% | 6,047 |
| Net operating income to assets | 0.2803% | 5,513 |
| Return on assets (ROA) | 0.2803% | 5,585 |
| Pretax return on assets | 0.2803% | 5,670 |
| Return on Equity (ROE) | 2.6972% | 5,483 |
| Retained earnings to average equity (ytd only) | -0.0978% | 5,616 |
| Net charge-offs to loans | 0.4356% | 584 |
| Credit loss provision to net charge-offs | -47.7387% | 4,963 |
| Earnings coverage of net charge-offs (x) | 0.4924% | 3,941 |
| Efficiency ratio | 96.6125% | 400 |
| Assets per employee ($millions) | 3.2139% | 5,261 |
| Cash dividends to net income (ytd only)* | 103.6257% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 1,602 |
| Loan loss allowance to noncurrent loans | 79.2531% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 3.6494% | 340 |
| Noncurrent loans to loans | 2.0847% | 1,098 |
| Net loans and leases to total assets | 63.1706% | 3,423 |
| Net loans and leases to deposits | 73.4710% | 3,599 |
| Net loans and leases to core deposits | 75.8412% | 3,825 |
| Total domestic deposits to total assets | 85.9804% | 2,527 |
| Equity capital to assets | 10.6203% | 3,449 |
| Core capital (leverage) ratio | 10.3488% | 3,197 |
| Tier 1 risk-based capital ratio | 16.5250% | 2,558 |
| Total risk-based capital ratio | 17.7792% | 2,519 |
| Memoranda: | ||
| Average total assets | $91,804,250 | 4,685 |
| Average earning assets | $83,139,000 | 4,713 |
| Average equity | $9,540,500 | 4,798 |
| Average total loans | $60,917,000 | 4,400 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9905% | 3,335 |
| Cost of funding earning assets | 0.5445% | 1,866 |
| Net interest margin | 3.4460% | 3,733 |
| Noninterest income to average assets | 1.1146% | 975 |
| Noninterest expense to average assets | 4.0450% | 641 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1926% | 5,708 |
| Return on assets (ROA) | 0.1926% | 5,773 |
| Pretax return on assets | 0.1926% | 5,825 |
| Return on Equity (ROE) | 1.8668% | 5,711 |
| Retained earnings to average equity (ytd only) | 1.8668% | 4,762 |
| Net charge-offs to loans | 0.6424% | 363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.4472% | 3,658 |
| Efficiency ratio | 95.4545% | 460 |
| Assets per employee ($millions) | 3.2837% | 5,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7291% | 1,543 |
| Loan loss allowance to noncurrent loans | 68.4485% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 4.0416% | 330 |
| Noncurrent loans to loans | 2.5262% | 878 |
| Net loans and leases to total assets | 64.9025% | 3,138 |
| Net loans and leases to deposits | 75.1486% | 3,370 |
| Net loans and leases to core deposits | 78.0001% | 3,571 |
| Total domestic deposits to total assets | 86.3656% | 2,500 |
| Equity capital to assets | 10.2639% | 3,732 |
| Core capital (leverage) ratio | 10.2100% | 3,325 |
| Tier 1 risk-based capital ratio | 15.7668% | 2,969 |
| Total risk-based capital ratio | 17.0217% | 2,923 |
| Memoranda: | ||
| Average total assets | $92,409,670 | 4,713 |
| Average earning assets | $83,749,000 | 4,740 |
| Average equity | $9,535,000 | 4,835 |
| Average total loans | $61,955,670 | 4,408 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9798% | 3,299 |
| Cost of funding earning assets | 0.5373% | 1,952 |
| Net interest margin | 3.4425% | 3,656 |
| Noninterest income to average assets | 1.0621% | 1,000 |
| Noninterest expense to average assets | 4.0370% | 658 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1511% | 5,785 |
| Return on assets (ROA) | 0.1511% | 5,858 |
| Pretax return on assets | 0.1511% | 5,895 |
| Return on Equity (ROE) | 1.4608% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.4608% | 4,898 |
| Net charge-offs to loans | 1.3169% | 154 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1699% | 3,095 |
| Efficiency ratio | 96.3918% | 490 |
| Assets per employee ($millions) | 3.3170% | 5,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6777% | 1,795 |
| Loan loss allowance to noncurrent loans | 65.6388% | 4,566 |
| Noncurrent assets plus other real estate owned to assets | 4.2142% | 344 |
| Noncurrent loans to loans | 2.5559% | 945 |
| Net loans and leases to total assets | 65.8139% | 2,812 |
| Net loans and leases to deposits | 76.1961% | 3,030 |
| Net loans and leases to core deposits | 79.1019% | 3,271 |
| Total domestic deposits to total assets | 86.3745% | 2,725 |
| Equity capital to assets | 10.3395% | 3,737 |
| Core capital (leverage) ratio | 10.3684% | 3,140 |
| Tier 1 risk-based capital ratio | 15.5260% | 3,130 |
| Total risk-based capital ratio | 16.7802% | 3,072 |
| Memoranda: | ||
| Average total assets | $92,642,500 | 4,755 |
| Average earning assets | $84,125,500 | 4,771 |
| Average equity | $9,584,000 | 4,866 |
| Average total loans | $62,571,500 | 4,411 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3358% | 2,475 |
| Cost of funding earning assets | 0.5850% | 1,903 |
| Net interest margin | 3.7508% | 2,807 |
| Noninterest income to average assets | 1.0273% | 1,160 |
| Noninterest expense to average assets | 4.3755% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0438% | 6,031 |
| Return on assets (ROA) | 0.0438% | 6,057 |
| Pretax return on assets | 0.0522% | 6,040 |
| Return on Equity (ROE) | 0.4411% | 6,050 |
| Retained earnings to average equity (ytd only) | 0.4411% | 5,573 |
| Net charge-offs to loans | 0.0238% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,969 |
| Efficiency ratio | 98.8210% | 389 |
| Assets per employee ($millions) | 3.3003% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9834% | 1,138 |
| Loan loss allowance to noncurrent loans | 64.5812% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 4.4498% | 352 |
| Noncurrent loans to loans | 3.0711% | 727 |
| Net loans and leases to total assets | 66.7962% | 2,758 |
| Net loans and leases to deposits | 77.2518% | 3,052 |
| Net loans and leases to core deposits | 80.4025% | 3,248 |
| Total domestic deposits to total assets | 86.4655% | 2,590 |
| Equity capital to assets | 10.3508% | 3,663 |
| Core capital (leverage) ratio | 10.3133% | 3,149 |
| Tier 1 risk-based capital ratio | 16.3580% | 2,783 |
| Total risk-based capital ratio | 17.6196% | 2,720 |
| Memoranda: | ||
| Average total assets | $95,782,600 | 4,697 |
| Average earning assets | $86,834,800 | 4,725 |
| Average equity | $9,521,200 | 4,857 |
| Average total loans | $67,133,400 | 4,261 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3660% | 2,366 |
| Cost of funding earning assets | 0.5895% | 1,932 |
| Net interest margin | 3.7764% | 2,708 |
| Noninterest income to average assets | 0.9590% | 1,340 |
| Noninterest expense to average assets | 4.1396% | 650 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2291% | 5,788 |
| Return on assets (ROA) | 0.2291% | 5,843 |
| Pretax return on assets | 0.2401% | 5,886 |
| Return on Equity (ROE) | 2.3273% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.3273% | 4,891 |
| Net charge-offs to loans | 0.0450% | 3,596 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 7.5641% | 2,912 |
| Efficiency ratio | 94.5180% | 572 |
| Assets per employee ($millions) | 3.0988% | 5,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 1,502 |
| Loan loss allowance to noncurrent loans | 65.9936% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 4.6921% | 382 |
| Noncurrent loans to loans | 2.8495% | 960 |
| Net loans and leases to total assets | 69.7098% | 2,243 |
| Net loans and leases to deposits | 80.6875% | 2,593 |
| Net loans and leases to core deposits | 84.0336% | 2,875 |
| Total domestic deposits to total assets | 86.3947% | 2,642 |
| Equity capital to assets | 10.3556% | 3,731 |
| Core capital (leverage) ratio | 10.3821% | 3,178 |
| Tier 1 risk-based capital ratio | 15.9231% | 3,089 |
| Total risk-based capital ratio | 17.1836% | 3,033 |
| Memoranda: | ||
| Average total assets | $96,626,250 | 4,730 |
| Average earning assets | $87,523,000 | 4,754 |
| Average equity | $9,510,250 | 4,900 |
| Average total loans | $68,173,250 | 4,269 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 2,410 |
| Cost of funding earning assets | 0.5913% | 1,967 |
| Net interest margin | 3.7529% | 2,745 |
| Noninterest income to average assets | 0.8115% | 1,798 |
| Noninterest expense to average assets | 4.1555% | 632 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0388% | 6,145 |
| Return on assets (ROA) | 0.0388% | 6,172 |
| Pretax return on assets | 0.0552% | 6,145 |
| Return on Equity (ROE) | 0.4012% | 6,165 |
| Retained earnings to average equity (ytd only) | 0.4012% | 5,577 |
| Net charge-offs to loans | 0.0523% | 3,219 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 3,792 |
| Efficiency ratio | 98.6893% | 438 |
| Assets per employee ($millions) | 3.2315% | 5,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 1,726 |
| Loan loss allowance to noncurrent loans | 70.6516% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 4.6758% | 408 |
| Noncurrent loans to loans | 2.6053% | 1,177 |
| Net loans and leases to total assets | 68.5956% | 2,311 |
| Net loans and leases to deposits | 78.8410% | 2,684 |
| Net loans and leases to core deposits | 82.5123% | 2,910 |
| Total domestic deposits to total assets | 87.0050% | 2,453 |
| Equity capital to assets | 9.8097% | 4,336 |
| Core capital (leverage) ratio | 9.8013% | 3,887 |
| Tier 1 risk-based capital ratio | 15.2958% | 3,473 |
| Total risk-based capital ratio | 16.5548% | 3,417 |
| Memoranda: | ||
| Average total assets | $97,847,000 | 4,733 |
| Average earning assets | $88,625,000 | 4,766 |
| Average equity | $9,471,330 | 4,916 |
| Average total loans | $68,882,000 | 4,274 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 2,030 |
| Cost of funding earning assets | 0.5986% | 1,982 |
| Net interest margin | 3.8301% | 2,342 |
| Noninterest income to average assets | 0.7447% | 1,967 |
| Noninterest expense to average assets | 4.0286% | 732 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1465% | 5,936 |
| Return on assets (ROA) | 0.1465% | 5,966 |
| Pretax return on assets | 0.1790% | 5,955 |
| Return on Equity (ROE) | 1.5235% | 5,918 |
| Retained earnings to average equity (ytd only) | 1.5235% | 4,999 |
| Net charge-offs to loans | -0.0173% | 5,285 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7447% | 658 |
| Assets per employee ($millions) | 3.2618% | 5,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8528% | 1,893 |
| Loan loss allowance to noncurrent loans | 91.6787% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 4.6743% | 459 |
| Noncurrent loans to loans | 2.0210% | 1,845 |
| Net loans and leases to total assets | 68.5872% | 2,126 |
| Net loans and leases to deposits | 78.7008% | 2,462 |
| Net loans and leases to core deposits | 81.8009% | 2,757 |
| Total domestic deposits to total assets | 87.1494% | 2,732 |
| Equity capital to assets | 9.6888% | 4,241 |
| Core capital (leverage) ratio | 9.7257% | 3,961 |
| Tier 1 risk-based capital ratio | 15.1160% | 3,645 |
| Total risk-based capital ratio | 16.3757% | 3,595 |
| Memoranda: | ||
| Average total assets | $98,298,000 | 4,764 |
| Average earning assets | $88,875,500 | 4,801 |
| Average equity | $9,452,000 | 4,951 |
| Average total loans | $69,449,500 | 4,280 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7232% | 1,508 |
| Cost of funding earning assets | 0.6462% | 2,235 |
| Net interest margin | 4.0770% | 1,713 |
| Noninterest income to average assets | 1.0515% | 1,270 |
| Noninterest expense to average assets | 3.7999% | 1,138 |
| Loan and lease loss provision to assets | 0.0644% | 3,844 |
| Net operating income to assets | 0.8318% | 3,126 |
| Return on assets (ROA) | 0.8318% | 3,212 |
| Pretax return on assets | 0.8582% | 3,923 |
| Return on Equity (ROE) | 9.3665% | 2,382 |
| Retained earnings to average equity (ytd only) | 9.3665% | 689 |
| Net charge-offs to loans | 0.4595% | 1,446 |
| Credit loss provision to net charge-offs | 18.9112% | 4,466 |
| Earnings coverage of net charge-offs (x) | 2.7077% | 4,096 |
| Efficiency ratio | 80.4631% | 2,080 |
| Assets per employee ($millions) | 3.4049% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7939% | 2,082 |
| Loan loss allowance to noncurrent loans | 76.8530% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 4.8784% | 494 |
| Noncurrent loans to loans | 2.3342% | 1,647 |
| Net loans and leases to total assets | 70.1340% | 1,991 |
| Net loans and leases to deposits | 80.2175% | 2,428 |
| Net loans and leases to core deposits | 83.3365% | 2,741 |
| Total domestic deposits to total assets | 87.4297% | 2,507 |
| Equity capital to assets | 9.5431% | 4,360 |
| Core capital (leverage) ratio | 9.5992% | 4,115 |
| Tier 1 risk-based capital ratio | 14.7849% | 3,793 |
| Total risk-based capital ratio | 16.0439% | 3,730 |
| Memoranda: | ||
| Average total assets | $102,424,400 | 4,686 |
| Average earning assets | $92,225,200 | 4,717 |
| Average equity | $9,096,200 | 5,057 |
| Average total loans | $75,951,600 | 4,057 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 1,467 |
| Cost of funding earning assets | 0.6512% | 2,351 |
| Net interest margin | 4.1023% | 1,627 |
| Noninterest income to average assets | 1.1005% | 1,207 |
| Noninterest expense to average assets | 3.9220% | 937 |
| Loan and lease loss provision to assets | 0.0335% | 4,351 |
| Net operating income to assets | 0.7999% | 3,343 |
| Return on assets (ROA) | 0.7999% | 3,477 |
| Pretax return on assets | 0.8347% | 4,167 |
| Return on Equity (ROE) | 9.1702% | 2,560 |
| Retained earnings to average equity (ytd only) | 9.1702% | 1,013 |
| Net charge-offs to loans | 0.6278% | 983 |
| Credit loss provision to net charge-offs | 7.1429% | 4,255 |
| Earnings coverage of net charge-offs (x) | 1.8489% | 4,215 |
| Efficiency ratio | 81.8745% | 1,837 |
| Assets per employee ($millions) | 3.4782% | 4,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 2,866 |
| Loan loss allowance to noncurrent loans | 69.2220% | 4,443 |
| Noncurrent assets plus other real estate owned to assets | 5.2970% | 511 |
| Noncurrent loans to loans | 2.3624% | 1,863 |
| Net loans and leases to total assets | 72.1560% | 1,579 |
| Net loans and leases to deposits | 82.6816% | 2,048 |
| Net loans and leases to core deposits | 85.3229% | 2,488 |
| Total domestic deposits to total assets | 87.2696% | 2,518 |
| Equity capital to assets | 9.1059% | 5,051 |
| Core capital (leverage) ratio | 9.1649% | 4,881 |
| Tier 1 risk-based capital ratio | 13.6488% | 4,662 |
| Total risk-based capital ratio | 14.9055% | 4,611 |
| Memoranda: | ||
| Average total assets | $103,345,250 | 4,709 |
| Average earning assets | $92,954,000 | 4,750 |
| Average equity | $9,014,500 | 5,136 |
| Average total loans | $77,310,500 | 4,048 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7884% | 1,351 |
| Cost of funding earning assets | 0.6603% | 2,399 |
| Net interest margin | 4.1281% | 1,472 |
| Noninterest income to average assets | 1.1500% | 1,147 |
| Noninterest expense to average assets | 3.9339% | 940 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8851% | 2,872 |
| Return on assets (ROA) | 0.8851% | 3,029 |
| Pretax return on assets | 0.9369% | 3,756 |
| Return on Equity (ROE) | 10.2929% | 2,089 |
| Retained earnings to average equity (ytd only) | 10.2929% | 787 |
| Net charge-offs to loans | 0.6274% | 1,049 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 1.9837% | 3,860 |
| Efficiency ratio | 80.7647% | 2,052 |
| Assets per employee ($millions) | 3.8160% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7286% | 2,676 |
| Loan loss allowance to noncurrent loans | 83.9458% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 4.8180% | 648 |
| Noncurrent loans to loans | 2.0592% | 2,324 |
| Net loans and leases to total assets | 71.8395% | 1,606 |
| Net loans and leases to deposits | 81.6199% | 2,101 |
| Net loans and leases to core deposits | 84.1743% | 2,537 |
| Total domestic deposits to total assets | 88.0172% | 2,232 |
| Equity capital to assets | 8.8711% | 5,366 |
| Core capital (leverage) ratio | 8.8156% | 5,270 |
| Tier 1 risk-based capital ratio | 13.3135% | 4,909 |
| Total risk-based capital ratio | 14.5714% | 4,846 |
| Memoranda: | ||
| Average total assets | $104,170,670 | 4,723 |
| Average earning assets | $93,894,000 | 4,759 |
| Average equity | $8,957,670 | 5,182 |
| Average total loans | $78,416,330 | 4,026 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 1,188 |
| Cost of funding earning assets | 0.6854% | 2,342 |
| Net interest margin | 4.1718% | 1,276 |
| Noninterest income to average assets | 1.1190% | 1,188 |
| Noninterest expense to average assets | 3.9526% | 939 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8287% | 3,009 |
| Return on assets (ROA) | 0.8287% | 3,154 |
| Pretax return on assets | 0.9318% | 3,645 |
| Return on Equity (ROE) | 9.7897% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.7897% | 1,159 |
| Net charge-offs to loans | 0.2651% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 4.6038% | 2,515 |
| Efficiency ratio | 80.9226% | 2,191 |
| Assets per employee ($millions) | 3.7069% | 4,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9033% | 2,290 |
| Loan loss allowance to noncurrent loans | 163.3880% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 3.8268% | 1,074 |
| Noncurrent loans to loans | 1.1649% | 3,828 |
| Net loans and leases to total assets | 74.2355% | 1,043 |
| Net loans and leases to deposits | 84.3444% | 1,555 |
| Net loans and leases to core deposits | 86.9504% | 2,019 |
| Total domestic deposits to total assets | 88.0147% | 2,299 |
| Equity capital to assets | 8.6392% | 5,872 |
| Core capital (leverage) ratio | 8.5120% | 5,576 |
| Tier 1 risk-based capital ratio | 12.8553% | 5,334 |
| Total risk-based capital ratio | 14.1156% | 5,270 |
| Memoranda: | ||
| Average total assets | $104,740,500 | 4,750 |
| Average earning assets | $94,540,500 | 4,776 |
| Average equity | $8,866,500 | 5,250 |
| Average total loans | $79,965,000 | 4,010 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 1,654 |
| Cost of funding earning assets | 1.0037% | 1,340 |
| Net interest margin | 3.9596% | 2,567 |
| Noninterest income to average assets | 1.0386% | 1,438 |
| Noninterest expense to average assets | 3.4942% | 1,824 |
| Loan and lease loss provision to assets | 0.7565% | 663 |
| Net operating income to assets | 0.3582% | 5,260 |
| Return on assets (ROA) | 0.3582% | 5,487 |
| Pretax return on assets | 0.3582% | 5,691 |
| Return on Equity (ROE) | 5.2539% | 4,562 |
| Retained earnings to average equity (ytd only) | 5.2539% | 2,536 |
| Net charge-offs to loans | 0.6602% | 1,784 |
| Credit loss provision to net charge-offs | 152.1968% | 1,785 |
| Earnings coverage of net charge-offs (x) | 2.2425% | 4,301 |
| Efficiency ratio | 75.8150% | 2,778 |
| Assets per employee ($millions) | 3.4093% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9021% | 2,289 |
| Loan loss allowance to noncurrent loans | 350.2262% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 3.4564% | 1,321 |
| Noncurrent loans to loans | 0.5431% | 5,168 |
| Net loans and leases to total assets | 75.5391% | 983 |
| Net loans and leases to deposits | 85.2064% | 1,614 |
| Net loans and leases to core deposits | 87.2085% | 2,168 |
| Total domestic deposits to total assets | 88.6542% | 1,805 |
| Equity capital to assets | 8.2943% | 6,206 |
| Core capital (leverage) ratio | 8.1515% | 6,040 |
| Tier 1 risk-based capital ratio | 11.5061% | 6,103 |
| Total risk-based capital ratio | 12.7658% | 6,064 |
| Memoranda: | ||
| Average total assets | $114,476,400 | 4,479 |
| Average earning assets | $103,218,000 | 4,508 |
| Average equity | $7,803,800 | 5,556 |
| Average total loans | $86,191,800 | 3,838 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 1,775 |
| Cost of funding earning assets | 1.0899% | 1,102 |
| Net interest margin | 3.8793% | 2,983 |
| Noninterest income to average assets | 1.1473% | 1,156 |
| Noninterest expense to average assets | 3.4774% | 1,814 |
| Loan and lease loss provision to assets | 0.9016% | 490 |
| Net operating income to assets | 0.2663% | 5,729 |
| Return on assets (ROA) | 0.2663% | 5,927 |
| Pretax return on assets | 0.2663% | 6,012 |
| Return on Equity (ROE) | 4.1075% | 5,249 |
| Retained earnings to average equity (ytd only) | 4.1075% | 4,010 |
| Net charge-offs to loans | 0.5385% | 1,989 |
| Credit loss provision to net charge-offs | 223.5127% | 1,243 |
| Earnings coverage of net charge-offs (x) | 2.8952% | 3,879 |
| Efficiency ratio | 74.8585% | 2,849 |
| Assets per employee ($millions) | 3.5557% | 4,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0089% | 2,145 |
| Loan loss allowance to noncurrent loans | 166.2069% | 2,085 |
| Noncurrent assets plus other real estate owned to assets | 4.1661% | 1,147 |
| Noncurrent loans to loans | 1.2087% | 4,034 |
| Net loans and leases to total assets | 77.1428% | 837 |
| Net loans and leases to deposits | 85.9882% | 1,601 |
| Net loans and leases to core deposits | 87.9607% | 2,221 |
| Total domestic deposits to total assets | 89.7132% | 996 |
| Equity capital to assets | 7.2841% | 6,822 |
| Core capital (leverage) ratio | 7.1417% | 6,764 |
| Tier 1 risk-based capital ratio | 10.5241% | 6,659 |
| Total risk-based capital ratio | 11.7871% | 6,638 |
| Memoranda: | ||
| Average total assets | $116,673,750 | 4,471 |
| Average earning assets | $105,204,500 | 4,508 |
| Average equity | $7,563,250 | 5,677 |
| Average total loans | $87,394,000 | 3,851 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9398% | 1,963 |
| Cost of funding earning assets | 1.2030% | 804 |
| Net interest margin | 3.7367% | 3,653 |
| Noninterest income to average assets | 1.0099% | 1,443 |
| Noninterest expense to average assets | 3.4081% | 2,011 |
| Loan and lease loss provision to assets | 0.8149% | 609 |
| Net operating income to assets | 0.1517% | 6,035 |
| Return on assets (ROA) | 0.1517% | 6,205 |
| Pretax return on assets | 0.1517% | 6,224 |
| Return on Equity (ROE) | 2.4285% | 5,907 |
| Retained earnings to average equity (ytd only) | 2.4285% | 4,977 |
| Net charge-offs to loans | 0.3276% | 2,720 |
| Credit loss provision to net charge-offs | 337.2414% | 867 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,202 |
| Efficiency ratio | 77.9048% | 2,469 |
| Assets per employee ($millions) | 3.4717% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 2,743 |
| Loan loss allowance to noncurrent loans | 480.4217% | 748 |
| Noncurrent assets plus other real estate owned to assets | 3.4382% | 1,555 |
| Noncurrent loans to loans | 0.3822% | 5,772 |
| Net loans and leases to total assets | 74.4209% | 1,190 |
| Net loans and leases to deposits | 86.4567% | 1,535 |
| Net loans and leases to core deposits | 88.1497% | 2,192 |
| Total domestic deposits to total assets | 86.0788% | 3,318 |
| Equity capital to assets | 6.6233% | 6,966 |
| Core capital (leverage) ratio | 6.5230% | 6,922 |
| Tier 1 risk-based capital ratio | 9.7842% | 6,875 |
| Total risk-based capital ratio | 11.0440% | 6,870 |
| Memoranda: | ||
| Average total assets | $120,008,000 | 4,423 |
| Average earning assets | $108,062,000 | 4,458 |
| Average equity | $7,494,330 | 5,713 |
| Average total loans | $88,533,330 | 3,839 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 2,276 |
| Cost of funding earning assets | 1.2701% | 717 |
| Net interest margin | 3.6221% | 4,170 |
| Noninterest income to average assets | 1.0267% | 1,356 |
| Noninterest expense to average assets | 3.4874% | 1,787 |
| Loan and lease loss provision to assets | 0.8148% | 595 |
| Net operating income to assets | -0.0130% | 6,441 |
| Return on assets (ROA) | -0.0130% | 6,548 |
| Pretax return on assets | -0.0130% | 6,545 |
| Return on Equity (ROE) | -0.2148% | 6,554 |
| Retained earnings to average equity (ytd only) | -0.2148% | 6,030 |
| Net charge-offs to loans | 0.0716% | 3,780 |
| Credit loss provision to net charge-offs | 1,562.5000% | 212 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,421 |
| Efficiency ratio | 81.3070% | 2,042 |
| Assets per employee ($millions) | 3.6505% | 4,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6890% | 3,387 |
| Loan loss allowance to noncurrent loans | 159.1006% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 4.7308% | 1,113 |
| Noncurrent loans to loans | 1.0616% | 4,580 |
| Net loans and leases to total assets | 71.8001% | 1,440 |
| Net loans and leases to deposits | 82.7100% | 1,833 |
| Net loans and leases to core deposits | 88.8266% | 1,971 |
| Total domestic deposits to total assets | 86.8094% | 3,064 |
| Equity capital to assets | 6.2101% | 7,049 |
| Core capital (leverage) ratio | 6.1222% | 7,023 |
| Tier 1 risk-based capital ratio | 9.1346% | 7,011 |
| Total risk-based capital ratio | 10.3921% | 7,017 |
| Memoranda: | ||
| Average total assets | $122,729,000 | 4,385 |
| Average earning assets | $110,544,500 | 4,425 |
| Average equity | $7,447,500 | 5,755 |
| Average total loans | $89,372,000 | 3,845 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2649% | 1,816 |
| Cost of funding earning assets | 1.6258% | 431 |
| Net interest margin | 3.6391% | 4,572 |
| Noninterest income to average assets | 1.0455% | 1,233 |
| Noninterest expense to average assets | 4.0555% | 954 |
| Loan and lease loss provision to assets | 0.4202% | 2,495 |
| Net operating income to assets | -2.2313% | 7,065 |
| Return on assets (ROA) | -2.2313% | 7,083 |
| Pretax return on assets | -0.2151% | 6,293 |
| Return on Equity (ROE) | -32.2609% | 7,109 |
| Retained earnings to average equity (ytd only) | -32.2609% | 7,102 |
| Net charge-offs to loans | 0.7567% | 2,265 |
| Credit loss provision to net charge-offs | 75.6944% | 4,649 |
| Earnings coverage of net charge-offs (x) | 0.3694% | 5,541 |
| Efficiency ratio | 95.1864% | 861 |
| Assets per employee ($millions) | 3.7877% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 4,565 |
| Loan loss allowance to noncurrent loans | 286.9266% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 3.9394% | 1,460 |
| Noncurrent loans to loans | 0.4804% | 5,748 |
| Net loans and leases to total assets | 71.6144% | 1,709 |
| Net loans and leases to deposits | 81.9079% | 2,213 |
| Net loans and leases to core deposits | 88.1537% | 2,357 |
| Total domestic deposits to total assets | 87.4329% | 2,508 |
| Equity capital to assets | 5.9315% | 7,101 |
| Core capital (leverage) ratio | 5.9300% | 7,063 |
| Tier 1 risk-based capital ratio | 8.4872% | 7,084 |
| Total risk-based capital ratio | 9.7376% | 7,086 |
| Memoranda: | ||
| Average total assets | $129,701,000 | 4,177 |
| Average earning assets | $114,588,200 | 4,270 |
| Average equity | $8,970,600 | 5,285 |
| Average total loans | $95,154,400 | 3,742 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3369% | 1,729 |
| Cost of funding earning assets | 1.7102% | 383 |
| Net interest margin | 3.6267% | 4,670 |
| Noninterest income to average assets | 1.0799% | 1,150 |
| Noninterest expense to average assets | 4.3184% | 703 |
| Loan and lease loss provision to assets | 0.3423% | 2,829 |
| Net operating income to assets | -3.0562% | 7,270 |
| Return on assets (ROA) | -3.0562% | 7,279 |
| Pretax return on assets | -0.3922% | 6,562 |
| Return on Equity (ROE) | -42.7351% | 7,267 |
| Retained earnings to average equity (ytd only) | -42.7351% | 7,261 |
| Net charge-offs to loans | 0.7106% | 2,137 |
| Credit loss provision to net charge-offs | 65.4971% | 4,619 |
| Earnings coverage of net charge-offs (x) | -0.0955% | 5,658 |
| Efficiency ratio | 101.1695% | 631 |
| Assets per employee ($millions) | 3.3219% | 5,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,883 |
| Loan loss allowance to noncurrent loans | 430.6897% | 742 |
| Noncurrent assets plus other real estate owned to assets | 4.2175% | 1,448 |
| Noncurrent loans to loans | 0.3085% | 6,232 |
| Net loans and leases to total assets | 71.6049% | 1,795 |
| Net loans and leases to deposits | 81.5290% | 2,442 |
| Net loans and leases to core deposits | 87.5458% | 2,556 |
| Total domestic deposits to total assets | 87.8275% | 2,151 |
| Equity capital to assets | 5.6864% | 7,214 |
| Core capital (leverage) ratio | 5.6420% | 7,170 |
| Tier 1 risk-based capital ratio | 8.1198% | 7,185 |
| Total risk-based capital ratio | 9.3701% | 7,189 |
| Memoranda: | ||
| Average total assets | $130,878,000 | 4,184 |
| Average earning assets | $115,070,750 | 4,282 |
| Average equity | $9,359,750 | 5,219 |
| Average total loans | $96,252,000 | 3,748 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4506% | 1,410 |
| Cost of funding earning assets | 1.7761% | 347 |
| Net interest margin | 3.6745% | 4,385 |
| Noninterest income to average assets | 1.0920% | 1,083 |
| Noninterest expense to average assets | 4.4974% | 596 |
| Loan and lease loss provision to assets | 0.3412% | 2,738 |
| Net operating income to assets | -0.3412% | 6,576 |
| Return on assets (ROA) | -0.3412% | 6,607 |
| Pretax return on assets | -0.5452% | 6,686 |
| Return on Equity (ROE) | -4.4693% | 6,679 |
| Retained earnings to average equity (ytd only) | -4.4693% | 6,522 |
| Net charge-offs to loans | 0.7691% | 1,965 |
| Credit loss provision to net charge-offs | 60.0536% | 4,338 |
| Earnings coverage of net charge-offs (x) | -0.3592% | 5,480 |
| Efficiency ratio | 104.7535% | 595 |
| Assets per employee ($millions) | 3.0663% | 5,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 4,860 |
| Loan loss allowance to noncurrent loans | 312.7451% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 3.9924% | 1,607 |
| Noncurrent loans to loans | 0.4299% | 6,044 |
| Net loans and leases to total assets | 71.0178% | 2,002 |
| Net loans and leases to deposits | 82.5592% | 2,363 |
| Net loans and leases to core deposits | 87.4262% | 2,715 |
| Total domestic deposits to total assets | 86.0205% | 3,315 |
| Equity capital to assets | 7.6117% | 6,897 |
| Core capital (leverage) ratio | 7.6446% | 6,627 |
| Tier 1 risk-based capital ratio | 10.7864% | 6,675 |
| Total risk-based capital ratio | 12.0359% | 6,645 |
| Memoranda: | ||
| Average total assets | $131,319,330 | 4,198 |
| Average earning assets | $114,409,000 | 4,322 |
| Average equity | $10,024,000 | 5,044 |
| Average total loans | $96,997,330 | 3,766 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5737% | 1,111 |
| Cost of funding earning assets | 1.8754% | 280 |
| Net interest margin | 3.6983% | 4,119 |
| Noninterest income to average assets | 1.1690% | 946 |
| Noninterest expense to average assets | 4.9750% | 371 |
| Loan and lease loss provision to assets | 0.3418% | 2,515 |
| Net operating income to assets | -0.5799% | 6,857 |
| Return on assets (ROA) | -0.5799% | 6,858 |
| Pretax return on assets | -0.9279% | 6,975 |
| Return on Equity (ROE) | -7.5863% | 6,942 |
| Retained earnings to average equity (ytd only) | -7.5863% | 6,721 |
| Net charge-offs to loans | 0.4896% | 2,251 |
| Credit loss provision to net charge-offs | 93.3333% | 2,872 |
| Earnings coverage of net charge-offs (x) | -1.6000% | 4,941 |
| Efficiency ratio | 113.3519% | 438 |
| Assets per employee ($millions) | 2.6237% | 6,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,328 |
| Loan loss allowance to noncurrent loans | 142.3270% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 4.4555% | 1,456 |
| Noncurrent loans to loans | 1.0354% | 4,989 |
| Net loans and leases to total assets | 72.3174% | 1,655 |
| Net loans and leases to deposits | 83.8898% | 2,049 |
| Net loans and leases to core deposits | 88.8505% | 2,498 |
| Total domestic deposits to total assets | 86.2052% | 3,396 |
| Equity capital to assets | 7.5808% | 6,827 |
| Core capital (leverage) ratio | 7.7011% | 6,557 |
| Tier 1 risk-based capital ratio | 10.6829% | 6,700 |
| Total risk-based capital ratio | 11.9333% | 6,688 |
| Memoranda: | ||
| Average total assets | $131,054,000 | 4,231 |
| Average earning assets | $114,108,000 | 4,354 |
| Average equity | $10,018,000 | 5,049 |
| Average total loans | $98,039,500 | 3,773 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6634% | 1,703 |
| Cost of funding earning assets | 2.3773% | 162 |
| Net interest margin | 3.2861% | 6,027 |
| Noninterest income to average assets | 0.8110% | 2,223 |
| Noninterest expense to average assets | 4.4811% | 665 |
| Loan and lease loss provision to assets | 1.7714% | 788 |
| Net operating income to assets | -1.5929% | 6,936 |
| Return on assets (ROA) | -0.9734% | 6,705 |
| Pretax return on assets | -1.5686% | 6,879 |
| Return on Equity (ROE) | -11.7358% | 6,803 |
| Retained earnings to average equity (ytd only) | -12.7743% | 6,786 |
| Net charge-offs to loans | 1.2122% | 1,848 |
| Credit loss provision to net charge-offs | 189.4051% | 1,704 |
| Earnings coverage of net charge-offs (x) | -0.8183% | 6,556 |
| Efficiency ratio | 120.5949% | 401 |
| Assets per employee ($millions) | 2.4245% | 7,101 |
| Cash dividends to net income (ytd only)* | -8.8489% | 7,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 4,380 |
| Loan loss allowance to noncurrent loans | 84.7800% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 5.3040% | 1,174 |
| Noncurrent loans to loans | 1.6856% | 3,973 |
| Net loans and leases to total assets | 75.1316% | 1,451 |
| Net loans and leases to deposits | 89.3649% | 1,606 |
| Net loans and leases to core deposits | 94.4400% | 2,206 |
| Total domestic deposits to total assets | 84.0728% | 4,329 |
| Equity capital to assets | 7.7077% | 6,748 |
| Core capital (leverage) ratio | 7.8590% | 6,373 |
| Tier 1 risk-based capital ratio | 10.6887% | 6,579 |
| Total risk-based capital ratio | 11.9384% | 6,548 |
| Memoranda: | ||
| Average total assets | $131,195,800 | 4,232 |
| Average earning assets | $115,972,800 | 4,320 |
| Average equity | $10,881,200 | 4,894 |
| Average total loans | $101,220,400 | 3,755 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7435% | 1,569 |
| Cost of funding earning assets | 2.4353% | 179 |
| Net interest margin | 3.3082% | 5,993 |
| Noninterest income to average assets | 0.8177% | 2,142 |
| Noninterest expense to average assets | 4.4723% | 620 |
| Loan and lease loss provision to assets | 1.9563% | 610 |
| Net operating income to assets | -1.6805% | 7,155 |
| Return on assets (ROA) | -1.0584% | 6,968 |
| Pretax return on assets | -1.7054% | 7,107 |
| Return on Equity (ROE) | -12.5402% | 7,032 |
| Retained earnings to average equity (ytd only) | -13.4549% | 7,021 |
| Net charge-offs to loans | 1.1826% | 1,720 |
| Credit loss provision to net charge-offs | 213.7625% | 1,643 |
| Earnings coverage of net charge-offs (x) | -0.7880% | 6,412 |
| Efficiency ratio | 119.2256% | 405 |
| Assets per employee ($millions) | 2.2325% | 7,357 |
| Cash dividends to net income (ytd only)* | -7.2936% | 7,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 4,744 |
| Loan loss allowance to noncurrent loans | 377.1588% | 790 |
| Noncurrent assets plus other real estate owned to assets | 4.7164% | 1,400 |
| Noncurrent loans to loans | 0.3559% | 6,485 |
| Net loans and leases to total assets | 76.8580% | 1,246 |
| Net loans and leases to deposits | 96.6260% | 913 |
| Net loans and leases to core deposits | 98.5873% | 1,984 |
| Total domestic deposits to total assets | 79.5417% | 5,850 |
| Equity capital to assets | 8.1331% | 6,688 |
| Core capital (leverage) ratio | 8.1664% | 6,087 |
| Tier 1 risk-based capital ratio | 11.0264% | 6,349 |
| Total risk-based capital ratio | 12.2763% | 6,332 |
| Memoranda: | ||
| Average total assets | $131,264,500 | 4,292 |
| Average earning assets | $116,396,250 | 4,374 |
| Average equity | $11,078,750 | 4,903 |
| Average total loans | $101,578,250 | 3,812 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7467% | 1,564 |
| Cost of funding earning assets | 2.4502% | 209 |
| Net interest margin | 3.2964% | 6,029 |
| Noninterest income to average assets | 0.8509% | 1,879 |
| Noninterest expense to average assets | 4.2242% | 791 |
| Loan and lease loss provision to assets | 2.7803% | 378 |
| Net operating income to assets | -2.0088% | 7,308 |
| Return on assets (ROA) | -1.4758% | 7,153 |
| Pretax return on assets | -2.3783% | 7,340 |
| Return on Equity (ROE) | -17.2804% | 7,211 |
| Retained earnings to average equity (ytd only) | -17.9553% | 7,197 |
| Net charge-offs to loans | 1.5931% | 1,188 |
| Credit loss provision to net charge-offs | 226.0173% | 1,712 |
| Earnings coverage of net charge-offs (x) | -0.3502% | 5,952 |
| Efficiency ratio | 111.3555% | 521 |
| Assets per employee ($millions) | 2.2255% | 7,415 |
| Cash dividends to net income (ytd only)* | -3.9054% | 7,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,427 |
| Loan loss allowance to noncurrent loans | 223.3600% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 3.0891% | 2,297 |
| Noncurrent loans to loans | 0.6263% | 5,995 |
| Net loans and leases to total assets | 74.9433% | 1,706 |
| Net loans and leases to deposits | 93.8610% | 1,293 |
| Net loans and leases to core deposits | 97.4345% | 2,287 |
| Total domestic deposits to total assets | 79.8449% | 5,774 |
| Equity capital to assets | 8.1545% | 6,594 |
| Core capital (leverage) ratio | 8.1399% | 6,049 |
| Tier 1 risk-based capital ratio | 11.0227% | 6,214 |
| Total risk-based capital ratio | 12.2730% | 6,201 |
| Memoranda: | ||
| Average total assets | $131,858,330 | 4,300 |
| Average earning assets | $117,702,670 | 4,375 |
| Average equity | $11,261,330 | 4,864 |
| Average total loans | $101,813,670 | 3,835 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7265% | 1,679 |
| Cost of funding earning assets | 2.5301% | 209 |
| Net interest margin | 3.1964% | 6,306 |
| Noninterest income to average assets | 0.7628% | 2,218 |
| Noninterest expense to average assets | 4.2108% | 798 |
| Loan and lease loss provision to assets | 0.8809% | 1,446 |
| Net operating income to assets | -0.9230% | 7,068 |
| Return on assets (ROA) | -0.5298% | 6,879 |
| Pretax return on assets | -0.8537% | 6,978 |
| Return on Equity (ROE) | -6.0666% | 6,944 |
| Retained earnings to average equity (ytd only) | -6.0666% | 6,666 |
| Net charge-offs to loans | 2.2486% | 757 |
| Credit loss provision to net charge-offs | 50.3460% | 4,474 |
| Earnings coverage of net charge-offs (x) | -0.3356% | 5,224 |
| Efficiency ratio | 116.2072% | 493 |
| Assets per employee ($millions) | 2.3078% | 7,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 7,289 |
| Loan loss allowance to noncurrent loans | 141.4815% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 3.1975% | 2,246 |
| Noncurrent loans to loans | 0.5168% | 6,256 |
| Net loans and leases to total assets | 77.4936% | 1,249 |
| Net loans and leases to deposits | 98.5877% | 856 |
| Net loans and leases to core deposits | 108.8162% | 1,365 |
| Total domestic deposits to total assets | 78.6037% | 6,173 |
| Equity capital to assets | 8.5951% | 5,878 |
| Core capital (leverage) ratio | 8.6060% | 5,191 |
| Tier 1 risk-based capital ratio | 11.5724% | 5,605 |
| Total risk-based capital ratio | 12.3398% | 6,042 |
| Memoranda: | ||
| Average total assets | $132,136,500 | 4,358 |
| Average earning assets | $118,256,500 | 4,418 |
| Average equity | $11,538,500 | 4,838 |
| Average total loans | $102,821,500 | 3,864 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7063% | 3,075 |
| Cost of funding earning assets | 2.9984% | 231 |
| Net interest margin | 2.7080% | 7,203 |
| Noninterest income to average assets | 0.7721% | 2,549 |
| Noninterest expense to average assets | 4.2129% | 1,084 |
| Loan and lease loss provision to assets | 1.0228% | 2,226 |
| Net operating income to assets | -1.2617% | 6,742 |
| Return on assets (ROA) | -0.9927% | 6,576 |
| Pretax return on assets | -1.5904% | 6,750 |
| Return on Equity (ROE) | -11.3701% | 6,723 |
| Retained earnings to average equity (ytd only) | -11.3701% | 6,629 |
| Net charge-offs to loans | 0.8182% | 2,785 |
| Credit loss provision to net charge-offs | 166.3739% | 2,614 |
| Earnings coverage of net charge-offs (x) | -1.6073% | 6,971 |
| Efficiency ratio | 124.7548% | 535 |
| Assets per employee ($millions) | 2.2105% | 7,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 6,182 |
| Loan loss allowance to noncurrent loans | 50.3115% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 3.7449% | 1,777 |
| Noncurrent loans to loans | 2.0633% | 3,570 |
| Net loans and leases to total assets | 76.7532% | 1,641 |
| Net loans and leases to deposits | 104.0605% | 643 |
| Net loans and leases to core deposits | 141.5521% | 751 |
| Total domestic deposits to total assets | 73.7582% | 7,051 |
| Equity capital to assets | 8.8730% | 5,320 |
| Core capital (leverage) ratio | 8.9854% | 4,445 |
| Tier 1 risk-based capital ratio | 12.1623% | 4,807 |
| Total risk-based capital ratio | 13.2508% | 4,899 |
| Memoranda: | ||
| Average total assets | $129,649,800 | 4,341 |
| Average earning assets | $117,430,800 | 4,369 |
| Average equity | $11,319,200 | 4,931 |
| Average total loans | $97,409,600 | 4,021 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7172% | 3,256 |
| Cost of funding earning assets | 3.1275% | 226 |
| Net interest margin | 2.5896% | 7,366 |
| Noninterest income to average assets | 0.4583% | 4,839 |
| Noninterest expense to average assets | 4.2484% | 979 |
| Loan and lease loss provision to assets | 1.3214% | 1,465 |
| Net operating income to assets | -1.7314% | 7,208 |
| Return on assets (ROA) | -1.3966% | 7,056 |
| Pretax return on assets | -2.2380% | 7,260 |
| Return on Equity (ROE) | -16.0621% | 7,239 |
| Retained earnings to average equity (ytd only) | -16.0621% | 7,191 |
| Net charge-offs to loans | 1.1194% | 1,791 |
| Credit loss provision to net charge-offs | 158.3951% | 3,002 |
| Earnings coverage of net charge-offs (x) | -1.7259% | 6,718 |
| Efficiency ratio | 142.2442% | 361 |
| Assets per employee ($millions) | 3.0331% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0227% | 6,148 |
| Loan loss allowance to noncurrent loans | 91.6206% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 2.9689% | 2,331 |
| Noncurrent loans to loans | 1.1162% | 5,083 |
| Net loans and leases to total assets | 75.5944% | 2,078 |
| Net loans and leases to deposits | 104.2581% | 752 |
| Net loans and leases to core deposits | 146.1223% | 681 |
| Total domestic deposits to total assets | 72.5070% | 7,146 |
| Equity capital to assets | 9.1170% | 5,310 |
| Core capital (leverage) ratio | 9.1797% | 4,364 |
| Tier 1 risk-based capital ratio | 12.7342% | 4,364 |
| Total risk-based capital ratio | 13.8170% | 4,446 |
| Memoranda: | ||
| Average total assets | $129,457,750 | 4,381 |
| Average earning assets | $117,491,250 | 4,393 |
| Average equity | $11,256,000 | 5,003 |
| Average total loans | $96,474,500 | 4,075 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6621% | 3,757 |
| Cost of funding earning assets | 3.2495% | 237 |
| Net interest margin | 2.4126% | 7,560 |
| Noninterest income to average assets | 0.3796% | 5,470 |
| Noninterest expense to average assets | 3.4822% | 2,394 |
| Loan and lease loss provision to assets | 0.8360% | 2,002 |
| Net operating income to assets | -1.0974% | 7,051 |
| Return on assets (ROA) | -0.6470% | 6,707 |
| Pretax return on assets | -1.0419% | 6,846 |
| Return on Equity (ROE) | -7.5606% | 6,862 |
| Retained earnings to average equity (ytd only) | -7.5606% | 6,625 |
| Net charge-offs to loans | 1.1019% | 1,645 |
| Credit loss provision to net charge-offs | 102.6415% | 4,455 |
| Earnings coverage of net charge-offs (x) | -1.1170% | 6,252 |
| Efficiency ratio | 135.3644% | 479 |
| Assets per employee ($millions) | 3.3407% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5651% | 7,702 |
| Loan loss allowance to noncurrent loans | 41.2943% | 5,609 |
| Noncurrent assets plus other real estate owned to assets | 2.8414% | 2,255 |
| Noncurrent loans to loans | 1.3684% | 4,475 |
| Net loans and leases to total assets | 74.2991% | 2,625 |
| Net loans and leases to deposits | 102.0316% | 1,068 |
| Net loans and leases to core deposits | 148.3190% | 695 |
| Total domestic deposits to total assets | 72.8197% | 7,136 |
| Equity capital to assets | 9.9082% | 4,070 |
| Core capital (leverage) ratio | 9.8763% | 3,422 |
| Tier 1 risk-based capital ratio | 14.0827% | 3,472 |
| Total risk-based capital ratio | 17.7862% | 2,379 |
| Memoranda: | ||
| Average total assets | $130,147,330 | 4,387 |
| Average earning assets | $118,296,330 | 4,406 |
| Average equity | $11,136,670 | 5,043 |
| Average total loans | $96,201,330 | 4,111 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6625% | 3,979 |
| Cost of funding earning assets | 3.3715% | 216 |
| Net interest margin | 2.2910% | 7,724 |
| Noninterest income to average assets | 0.2065% | 6,816 |
| Noninterest expense to average assets | 3.4581% | 2,209 |
| Loan and lease loss provision to assets | 0.7469% | 1,726 |
| Net operating income to assets | -1.2081% | 7,362 |
| Return on assets (ROA) | -0.5222% | 6,949 |
| Pretax return on assets | -0.8410% | 7,058 |
| Return on Equity (ROE) | -6.6052% | 7,116 |
| Retained earnings to average equity (ytd only) | -6.6052% | 6,754 |
| Net charge-offs to loans | 1.1809% | 1,170 |
| Credit loss provision to net charge-offs | 86.0140% | 4,085 |
| Earnings coverage of net charge-offs (x) | -1.3427% | 5,413 |
| Efficiency ratio | 150.8609% | 347 |
| Assets per employee ($millions) | 3.8167% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4993% | 7,827 |
| Loan loss allowance to noncurrent loans | 47.0703% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 2.7587% | 2,054 |
| Noncurrent loans to loans | 1.0608% | 4,863 |
| Net loans and leases to total assets | 74.0146% | 2,752 |
| Net loans and leases to deposits | 97.4246% | 1,749 |
| Net loans and leases to core deposits | 146.4660% | 837 |
| Total domestic deposits to total assets | 75.9711% | 6,518 |
| Equity capital to assets | 7.9110% | 6,946 |
| Core capital (leverage) ratio | 7.7375% | 6,843 |
| Tier 1 risk-based capital ratio | 10.8919% | 5,999 |
| Total risk-based capital ratio | 11.4158% | 6,654 |
| Memoranda: | ||
| Average total assets | $131,748,500 | 4,380 |
| Average earning assets | $119,946,500 | 4,386 |
| Average equity | $10,416,000 | 5,255 |
| Average total loans | $96,874,500 | 4,121 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4585% | 3,161 |
| Cost of funding earning assets | 3.7953% | 202 |
| Net interest margin | 2.6631% | 7,557 |
| Noninterest income to average assets | 0.6430% | 3,527 |
| Noninterest expense to average assets | 3.9258% | 1,522 |
| Loan and lease loss provision to assets | 0.6510% | 2,234 |
| Net operating income to assets | -0.9446% | 7,217 |
| Return on assets (ROA) | -0.7027% | 6,970 |
| Pretax return on assets | -1.1338% | 7,080 |
| Return on Equity (ROE) | -9.0207% | 7,201 |
| Retained earnings to average equity (ytd only) | -9.6751% | 7,046 |
| Net charge-offs to loans | 1.3141% | 905 |
| Credit loss provision to net charge-offs | 70.0078% | 6,072 |
| Earnings coverage of net charge-offs (x) | -0.9256% | 6,582 |
| Efficiency ratio | 126.2533% | 499 |
| Assets per employee ($millions) | 3.4289% | 4,858 |
| Cash dividends to net income (ytd only)* | -7.2539% | 7,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5369% | 7,788 |
| Loan loss allowance to noncurrent loans | 69.9732% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 3.0113% | 1,525 |
| Noncurrent loans to loans | 0.7673% | 5,115 |
| Net loans and leases to total assets | 72.3087% | 3,517 |
| Net loans and leases to deposits | 95.6903% | 2,491 |
| Net loans and leases to core deposits | 154.2094% | 708 |
| Total domestic deposits to total assets | 75.5653% | 6,330 |
| Equity capital to assets | 7.9011% | 6,972 |
| Core capital (leverage) ratio | 7.6493% | 7,005 |
| Tier 1 risk-based capital ratio | 10.6766% | 6,023 |
| Total risk-based capital ratio | 11.2233% | 6,647 |
| Memoranda: | ||
| Average total assets | $137,322,200 | 4,133 |
| Average earning assets | $124,890,200 | 4,158 |
| Average equity | $10,697,600 | 5,215 |
| Average total loans | $97,180,400 | 4,025 |