Home > Tri-State Bank of Memphis > Performance and Condition Ratios
Tri-State Bank of Memphis, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1492% | 3,702 |
| Cost of funding earning assets | 0.1945% | 3,668 |
| Net interest margin | 2.9547% | 3,431 |
| Noninterest income to average assets | 1.5684% | 506 |
| Noninterest expense to average assets | 5.4747% | 143 |
| Loan and lease loss provision to assets | 0.1855% | 570 |
| Net operating income to assets | -1.4530% | 4,880 |
| Return on assets (ROA) | -1.4324% | 4,879 |
| Pretax return on assets | -1.4583% | 4,876 |
| Return on Equity (ROE) | -15.5633% | 4,893 |
| Retained earnings to average equity (ytd only) | -15.5633% | 4,869 |
| Net charge-offs to loans | -0.1003% | 4,617 |
| Credit loss provision to net charge-offs | -394.7368% | 3,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.9467% | 55 |
| Assets per employee ($millions) | 5.0035% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6172% | 96 |
| Loan loss allowance to noncurrent loans | 192.7332% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8694% | 800 |
| Noncurrent loans to loans | 1.8768% | 494 |
| Net loans and leases to total assets | 43.0148% | 4,021 |
| Net loans and leases to deposits | 47.6271% | 4,141 |
| Net loans and leases to core deposits | 49.1371% | 4,182 |
| Total domestic deposits to total assets | 90.3158% | 629 |
| Equity capital to assets | 8.1471% | 4,442 |
| Core capital (leverage) ratio | 5.9945% | 4,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3050% | 2,902 |
| Memoranda: | ||
| Average total assets | $107,791,000 | 3,966 |
| Average earning assets | $95,303,750 | 4,010 |
| Average equity | $9,920,500 | 4,196 |
| Average total loans | $50,497,500 | 4,042 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2099% | 3,659 |
| Cost of funding earning assets | 0.2220% | 3,541 |
| Net interest margin | 2.9879% | 3,357 |
| Noninterest income to average assets | 1.9116% | 355 |
| Noninterest expense to average assets | 3.5654% | 429 |
| Loan and lease loss provision to assets | 0.2803% | 324 |
| Net operating income to assets | 0.7213% | 3,708 |
| Return on assets (ROA) | 0.7213% | 3,773 |
| Pretax return on assets | 0.6821% | 4,099 |
| Return on Equity (ROE) | 7.5405% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.5405% | 2,233 |
| Net charge-offs to loans | -0.0667% | 4,484 |
| Credit loss provision to net charge-offs | -882.3529% | 3,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7454% | 865 |
| Assets per employee ($millions) | 4.5276% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3996% | 109 |
| Loan loss allowance to noncurrent loans | 181.0309% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.8879% | 875 |
| Noncurrent loans to loans | 1.8779% | 536 |
| Net loans and leases to total assets | 44.0825% | 4,039 |
| Net loans and leases to deposits | 48.8368% | 4,171 |
| Net loans and leases to core deposits | 50.3430% | 4,224 |
| Total domestic deposits to total assets | 90.2650% | 663 |
| Equity capital to assets | 9.2605% | 3,551 |
| Core capital (leverage) ratio | 7.5580% | 4,696 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1099% | 2,320 |
| Memoranda: | ||
| Average total assets | $107,029,333 | 3,988 |
| Average earning assets | $93,711,333 | 4,048 |
| Average equity | $10,238,000 | 4,174 |
| Average total loans | $50,954,667 | 4,061 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3315% | 3,380 |
| Cost of funding earning assets | 0.2660% | 3,319 |
| Net interest margin | 3.0655% | 3,091 |
| Noninterest income to average assets | 0.4887% | 2,663 |
| Noninterest expense to average assets | 3.5017% | 463 |
| Loan and lease loss provision to assets | 0.5772% | 102 |
| Net operating income to assets | -0.8042% | 4,918 |
| Return on assets (ROA) | -0.8042% | 4,917 |
| Pretax return on assets | -0.8850% | 4,920 |
| Return on Equity (ROE) | -8.2641% | 4,929 |
| Retained earnings to average equity (ytd only) | -8.2641% | 4,789 |
| Net charge-offs to loans | -0.0790% | 4,563 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.6386% | 114 |
| Assets per employee ($millions) | 4.5770% | 4,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4916% | 99 |
| Loan loss allowance to noncurrent loans | 207.4733% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.8008% | 1,115 |
| Noncurrent loans to loans | 1.6829% | 714 |
| Net loans and leases to total assets | 45.9224% | 3,965 |
| Net loans and leases to deposits | 51.0243% | 4,106 |
| Net loans and leases to core deposits | 52.7250% | 4,158 |
| Total domestic deposits to total assets | 90.0010% | 819 |
| Equity capital to assets | 9.4793% | 3,224 |
| Core capital (leverage) ratio | 7.4525% | 4,813 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3841% | 2,126 |
| Memoranda: | ||
| Average total assets | $103,949,000 | 4,029 |
| Average earning assets | $91,729,500 | 4,077 |
| Average equity | $10,116,000 | 4,201 |
| Average total loans | $50,605,500 | 4,086 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5734% | 3,866 |
| Cost of funding earning assets | 0.4802% | 3,077 |
| Net interest margin | 3.0931% | 3,647 |
| Noninterest income to average assets | 0.5911% | 2,247 |
| Noninterest expense to average assets | 4.0518% | 365 |
| Loan and lease loss provision to assets | 0.5176% | 456 |
| Net operating income to assets | -0.9055% | 4,921 |
| Return on assets (ROA) | -0.8965% | 4,923 |
| Pretax return on assets | -1.2133% | 4,938 |
| Return on Equity (ROE) | -7.9582% | 4,926 |
| Retained earnings to average equity (ytd only) | -7.9582% | 4,885 |
| Net charge-offs to loans | 0.5537% | 276 |
| Credit loss provision to net charge-offs | 176.6784% | 2,283 |
| Earnings coverage of net charge-offs (x) | -2.4134% | 3,364 |
| Efficiency ratio | 121.1390% | 77 |
| Assets per employee ($millions) | 4.4734% | 3,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1084% | 132 |
| Loan loss allowance to noncurrent loans | 190.7563% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.8582% | 1,171 |
| Noncurrent loans to loans | 1.6295% | 808 |
| Net loans and leases to total assets | 48.1397% | 3,968 |
| Net loans and leases to deposits | 53.9313% | 4,113 |
| Net loans and leases to core deposits | 56.8931% | 4,109 |
| Total domestic deposits to total assets | 89.2611% | 871 |
| Equity capital to assets | 10.2189% | 2,915 |
| Core capital (leverage) ratio | 7.6978% | 4,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1758% | 2,175 |
| Memoranda: | ||
| Average total assets | $96,599,600 | 4,040 |
| Average earning assets | $85,997,200 | 4,076 |
| Average equity | $10,881,800 | 4,094 |
| Average total loans | $51,114,400 | 4,095 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3151% | 4,455 |
| Cost of funding earning assets | 0.5287% | 3,058 |
| Net interest margin | 2.7864% | 4,355 |
| Noninterest income to average assets | 0.6440% | 2,004 |
| Noninterest expense to average assets | 3.8276% | 447 |
| Loan and lease loss provision to assets | 0.7019% | 301 |
| Net operating income to assets | -1.2145% | 4,960 |
| Return on assets (ROA) | -1.2010% | 4,959 |
| Pretax return on assets | -1.3778% | 4,961 |
| Return on Equity (ROE) | -10.4003% | 4,967 |
| Retained earnings to average equity (ytd only) | -10.4003% | 4,932 |
| Net charge-offs to loans | 0.2869% | 548 |
| Credit loss provision to net charge-offs | 454.5455% | 1,357 |
| Earnings coverage of net charge-offs (x) | -4.4818% | 3,186 |
| Efficiency ratio | 122.0582% | 74 |
| Assets per employee ($millions) | 4.5990% | 3,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3240% | 104 |
| Loan loss allowance to noncurrent loans | 131.4925% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.3985% | 646 |
| Noncurrent loans to loans | 2.5279% | 415 |
| Net loans and leases to total assets | 50.6489% | 4,062 |
| Net loans and leases to deposits | 56.7584% | 4,221 |
| Net loans and leases to core deposits | 60.1091% | 4,195 |
| Total domestic deposits to total assets | 89.2359% | 673 |
| Equity capital to assets | 10.3905% | 2,880 |
| Core capital (leverage) ratio | 7.9631% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9147% | 1,856 |
| Memoranda: | ||
| Average total assets | $95,027,500 | 4,055 |
| Average earning assets | $84,982,000 | 4,100 |
| Average equity | $10,973,750 | 4,086 |
| Average total loans | $51,113,250 | 4,110 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4533% | 4,475 |
| Cost of funding earning assets | 0.5759% | 3,101 |
| Net interest margin | 2.8773% | 4,348 |
| Noninterest income to average assets | 0.6539% | 1,923 |
| Noninterest expense to average assets | 3.9365% | 437 |
| Loan and lease loss provision to assets | 0.7529% | 341 |
| Net operating income to assets | -1.2833% | 4,983 |
| Return on assets (ROA) | -1.2627% | 4,984 |
| Pretax return on assets | -1.4434% | 4,983 |
| Return on Equity (ROE) | -10.5506% | 4,992 |
| Retained earnings to average equity (ytd only) | -10.5506% | 4,929 |
| Net charge-offs to loans | 0.3843% | 411 |
| Credit loss provision to net charge-offs | 360.8247% | 1,490 |
| Earnings coverage of net charge-offs (x) | -3.4227% | 2,968 |
| Efficiency ratio | 122.1629% | 84 |
| Assets per employee ($millions) | 4.6938% | 3,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1193% | 125 |
| Loan loss allowance to noncurrent loans | 114.9222% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.4419% | 667 |
| Noncurrent loans to loans | 2.7143% | 397 |
| Net loans and leases to total assets | 48.8752% | 4,216 |
| Net loans and leases to deposits | 54.8438% | 4,344 |
| Net loans and leases to core deposits | 58.0035% | 4,356 |
| Total domestic deposits to total assets | 89.1171% | 707 |
| Equity capital to assets | 10.4810% | 2,759 |
| Core capital (leverage) ratio | 8.8418% | 4,078 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6954% | 1,930 |
| Memoranda: | ||
| Average total assets | $92,977,000 | 4,083 |
| Average earning assets | $82,993,667 | 4,126 |
| Average equity | $11,127,333 | 4,086 |
| Average total loans | $50,481,667 | 4,130 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2172% | 3,163 |
| Cost of funding earning assets | 0.6193% | 3,337 |
| Net interest margin | 3.5979% | 2,669 |
| Noninterest income to average assets | 0.8106% | 1,281 |
| Noninterest expense to average assets | 4.4356% | 321 |
| Loan and lease loss provision to assets | 0.4554% | 658 |
| Net operating income to assets | -0.7684% | 4,964 |
| Return on assets (ROA) | -0.7605% | 4,945 |
| Pretax return on assets | -0.8698% | 4,939 |
| Return on Equity (ROE) | -5.9222% | 4,943 |
| Retained earnings to average equity (ytd only) | -5.9222% | 4,585 |
| Net charge-offs to loans | 0.0081% | 2,277 |
| Credit loss provision to net charge-offs | 10,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | -93.0000% | 2,570 |
| Efficiency ratio | 110.5562% | 145 |
| Assets per employee ($millions) | 3.7530% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9576% | 153 |
| Loan loss allowance to noncurrent loans | 127.0294% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.3689% | 832 |
| Noncurrent loans to loans | 2.3282% | 538 |
| Net loans and leases to total assets | 53.5866% | 4,019 |
| Net loans and leases to deposits | 61.4979% | 4,130 |
| Net loans and leases to core deposits | 65.6904% | 4,096 |
| Total domestic deposits to total assets | 87.1357% | 1,500 |
| Equity capital to assets | 12.4779% | 1,748 |
| Core capital (leverage) ratio | 10.1338% | 3,309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3992% | 1,081 |
| Memoranda: | ||
| Average total assets | $87,834,000 | 4,159 |
| Average earning assets | $78,156,000 | 4,202 |
| Average equity | $11,279,500 | 4,093 |
| Average total loans | $49,675,000 | 4,156 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 2,642 |
| Cost of funding earning assets | 0.5226% | 3,995 |
| Net interest margin | 4.0704% | 1,621 |
| Noninterest income to average assets | 1.1251% | 746 |
| Noninterest expense to average assets | 4.1176% | 462 |
| Loan and lease loss provision to assets | 0.0853% | 2,297 |
| Net operating income to assets | 0.4465% | 4,509 |
| Return on assets (ROA) | 0.4503% | 4,540 |
| Pretax return on assets | 0.5390% | 4,509 |
| Return on Equity (ROE) | 3.4061% | 4,595 |
| Retained earnings to average equity (ytd only) | 3.1683% | 3,434 |
| Net charge-offs to loans | -0.0180% | 4,603 |
| Credit loss provision to net charge-offs | -844.4444% | 4,506 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9163% | 490 |
| Assets per employee ($millions) | 3.7225% | 4,245 |
| Cash dividends to net income (ytd only)* | 6.9825% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7654% | 159 |
| Loan loss allowance to noncurrent loans | 145.4931% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 1.1890% | 995 |
| Noncurrent loans to loans | 1.9007% | 690 |
| Net loans and leases to total assets | 56.3451% | 3,900 |
| Net loans and leases to deposits | 65.2531% | 3,991 |
| Net loans and leases to core deposits | 68.0371% | 4,080 |
| Total domestic deposits to total assets | 86.3485% | 1,911 |
| Equity capital to assets | 13.2439% | 1,395 |
| Core capital (leverage) ratio | 10.5714% | 2,881 |
| Tier 1 risk-based capital ratio | 15.9390% | 2,426 |
| Total risk-based capital ratio | 17.2032% | 2,370 |
| Memoranda: | ||
| Average total assets | $89,057,000 | 4,162 |
| Average earning assets | $79,034,800 | 4,201 |
| Average equity | $11,773,000 | 4,023 |
| Average total loans | $49,980,800 | 4,184 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5265% | 2,969 |
| Cost of funding earning assets | 0.4898% | 4,184 |
| Net interest margin | 4.0367% | 1,809 |
| Noninterest income to average assets | 0.8408% | 1,305 |
| Noninterest expense to average assets | 4.0777% | 483 |
| Loan and lease loss provision to assets | 0.0741% | 2,407 |
| Net operating income to assets | 0.1809% | 4,963 |
| Return on assets (ROA) | 0.1809% | 4,976 |
| Pretax return on assets | 0.2699% | 4,924 |
| Return on Equity (ROE) | 1.3690% | 4,978 |
| Retained earnings to average equity (ytd only) | 1.0548% | 4,551 |
| Net charge-offs to loans | 0.0213% | 2,683 |
| Credit loss provision to net charge-offs | 625.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 28.9906% | 1,663 |
| Efficiency ratio | 92.2200% | 266 |
| Assets per employee ($millions) | 4.0679% | 3,804 |
| Cash dividends to net income (ytd only)* | 22.9497% | 2,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7540% | 163 |
| Loan loss allowance to noncurrent loans | 141.2327% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.1632% | 1,100 |
| Noncurrent loans to loans | 1.9500% | 700 |
| Net loans and leases to total assets | 52.4370% | 4,290 |
| Net loans and leases to deposits | 60.0471% | 4,383 |
| Net loans and leases to core deposits | 62.4632% | 4,436 |
| Total domestic deposits to total assets | 87.3265% | 1,360 |
| Equity capital to assets | 12.3762% | 1,991 |
| Core capital (leverage) ratio | 10.0608% | 3,576 |
| Tier 1 risk-based capital ratio | 16.0963% | 2,395 |
| Total risk-based capital ratio | 17.3614% | 2,328 |
| Memoranda: | ||
| Average total assets | $89,917,000 | 4,202 |
| Average earning assets | $79,765,250 | 4,243 |
| Average equity | $11,881,500 | 4,053 |
| Average total loans | $50,072,750 | 4,231 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6053% | 2,660 |
| Cost of funding earning assets | 0.4410% | 4,357 |
| Net interest margin | 4.1643% | 1,443 |
| Noninterest income to average assets | 0.7684% | 1,445 |
| Noninterest expense to average assets | 4.1062% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2621% | 4,926 |
| Return on assets (ROA) | 0.2621% | 4,938 |
| Pretax return on assets | 0.3531% | 4,884 |
| Return on Equity (ROE) | 1.9424% | 4,947 |
| Retained earnings to average equity (ytd only) | 1.4815% | 4,301 |
| Net charge-offs to loans | -0.0513% | 4,831 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0817% | 278 |
| Assets per employee ($millions) | 3.7313% | 4,206 |
| Cash dividends to net income (ytd only)* | 23.7288% | 2,890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6347% | 187 |
| Loan loss allowance to noncurrent loans | 87.3656% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 1.7023% | 618 |
| Noncurrent loans to loans | 3.0157% | 336 |
| Net loans and leases to total assets | 51.5013% | 4,388 |
| Net loans and leases to deposits | 58.6579% | 4,489 |
| Net loans and leases to core deposits | 60.8990% | 4,544 |
| Total domestic deposits to total assets | 87.7995% | 1,196 |
| Equity capital to assets | 11.8800% | 2,279 |
| Core capital (leverage) ratio | 9.3521% | 4,308 |
| Tier 1 risk-based capital ratio | 15.0154% | 2,835 |
| Total risk-based capital ratio | 16.2780% | 2,751 |
| Memoranda: | ||
| Average total assets | $90,058,000 | 4,222 |
| Average earning assets | $79,820,670 | 4,268 |
| Average equity | $12,150,000 | 4,023 |
| Average total loans | $50,678,000 | 4,242 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6567% | 2,361 |
| Cost of funding earning assets | 0.3629% | 4,631 |
| Net interest margin | 4.2938% | 1,107 |
| Noninterest income to average assets | 0.8774% | 1,089 |
| Noninterest expense to average assets | 4.3010% | 364 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2804% | 4,922 |
| Return on assets (ROA) | 0.2804% | 4,935 |
| Pretax return on assets | 0.3754% | 4,871 |
| Return on Equity (ROE) | 1.9552% | 4,973 |
| Retained earnings to average equity (ytd only) | 1.9552% | 4,081 |
| Net charge-offs to loans | -0.1246% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9729% | 329 |
| Assets per employee ($millions) | 3.7812% | 4,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5320% | 236 |
| Loan loss allowance to noncurrent loans | 94.6260% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.6016% | 714 |
| Noncurrent loans to loans | 2.6758% | 463 |
| Net loans and leases to total assets | 53.0609% | 4,268 |
| Net loans and leases to deposits | 61.5599% | 4,328 |
| Net loans and leases to core deposits | 63.9221% | 4,384 |
| Total domestic deposits to total assets | 86.1939% | 2,188 |
| Equity capital to assets | 13.4940% | 1,212 |
| Core capital (leverage) ratio | 12.1115% | 1,705 |
| Tier 1 risk-based capital ratio | 17.5630% | 1,923 |
| Total risk-based capital ratio | 18.8243% | 1,873 |
| Memoranda: | ||
| Average total assets | $88,445,500 | 4,287 |
| Average earning assets | $78,253,000 | 4,335 |
| Average equity | $12,684,000 | 3,984 |
| Average total loans | $51,346,000 | 4,276 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8123% | 1,522 |
| Cost of funding earning assets | 0.1512% | 5,168 |
| Net interest margin | 4.6610% | 528 |
| Noninterest income to average assets | 1.9257% | 286 |
| Noninterest expense to average assets | 4.4266% | 317 |
| Loan and lease loss provision to assets | 0.1449% | 1,480 |
| Net operating income to assets | 1.1182% | 2,523 |
| Return on assets (ROA) | 1.1182% | 2,521 |
| Pretax return on assets | 1.4667% | 1,887 |
| Return on Equity (ROE) | 7.4609% | 3,673 |
| Retained earnings to average equity (ytd only) | 7.4378% | 1,490 |
| Net charge-offs to loans | 0.0250% | 2,905 |
| Credit loss provision to net charge-offs | 900.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 100.0714% | 737 |
| Efficiency ratio | 73.3092% | 1,718 |
| Assets per employee ($millions) | 3.4307% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.3086% | 4,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5122% | 230 |
| Loan loss allowance to noncurrent loans | 92.9913% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.8473% | 548 |
| Noncurrent loans to loans | 2.7015% | 423 |
| Net loans and leases to total assets | 60.6575% | 3,699 |
| Net loans and leases to deposits | 71.9391% | 3,676 |
| Net loans and leases to core deposits | 75.4871% | 3,752 |
| Total domestic deposits to total assets | 84.3179% | 2,903 |
| Equity capital to assets | 15.3238% | 638 |
| Core capital (leverage) ratio | 12.9349% | 1,275 |
| Tier 1 risk-based capital ratio | 19.7140% | 1,354 |
| Total risk-based capital ratio | 20.9781% | 1,321 |
| Memoranda: | ||
| Average total assets | $86,929,200 | 4,318 |
| Average earning assets | $76,699,600 | 4,367 |
| Average equity | $13,028,000 | 3,876 |
| Average total loans | $55,975,800 | 4,187 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7862% | 1,464 |
| Cost of funding earning assets | 0.1405% | 5,248 |
| Net interest margin | 4.6457% | 534 |
| Noninterest income to average assets | 2.3827% | 218 |
| Noninterest expense to average assets | 4.4445% | 307 |
| Loan and lease loss provision to assets | 0.1892% | 946 |
| Net operating income to assets | 1.8544% | 545 |
| Return on assets (ROA) | 1.8544% | 541 |
| Pretax return on assets | 1.8544% | 896 |
| Return on Equity (ROE) | 12.4387% | 1,624 |
| Retained earnings to average equity (ytd only) | 12.4387% | 426 |
| Net charge-offs to loans | -0.1633% | 5,266 |
| Credit loss provision to net charge-offs | -178.5714% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5021% | 2,445 |
| Assets per employee ($millions) | 3.6165% | 4,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4956% | 241 |
| Loan loss allowance to noncurrent loans | 87.9332% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 2.1267% | 487 |
| Noncurrent loans to loans | 2.8380% | 409 |
| Net loans and leases to total assets | 64.3508% | 3,383 |
| Net loans and leases to deposits | 77.5169% | 3,278 |
| Net loans and leases to core deposits | 79.8410% | 3,505 |
| Total domestic deposits to total assets | 83.0151% | 3,305 |
| Equity capital to assets | 16.6446% | 446 |
| Core capital (leverage) ratio | 13.3437% | 1,159 |
| Tier 1 risk-based capital ratio | 19.3115% | 1,472 |
| Total risk-based capital ratio | 20.5848% | 1,433 |
| Memoranda: | ||
| Average total assets | $88,077,500 | 4,348 |
| Average earning assets | $77,833,000 | 4,398 |
| Average equity | $13,130,750 | 3,898 |
| Average total loans | $57,162,250 | 4,202 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 1,469 |
| Cost of funding earning assets | 0.1284% | 5,323 |
| Net interest margin | 4.5853% | 569 |
| Noninterest income to average assets | 1.7724% | 332 |
| Noninterest expense to average assets | 4.2894% | 368 |
| Loan and lease loss provision to assets | 0.2787% | 523 |
| Net operating income to assets | 1.2641% | 1,920 |
| Return on assets (ROA) | 1.2641% | 1,921 |
| Pretax return on assets | 1.2641% | 2,652 |
| Return on Equity (ROE) | 8.7957% | 3,120 |
| Retained earnings to average equity (ytd only) | 8.7957% | 1,279 |
| Net charge-offs to loans | -0.3868% | 5,408 |
| Credit loss provision to net charge-offs | -111.6071% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5474% | 1,779 |
| Assets per employee ($millions) | 3.2718% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5209% | 239 |
| Loan loss allowance to noncurrent loans | 131.2268% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 1.4049% | 980 |
| Noncurrent loans to loans | 1.9211% | 801 |
| Net loans and leases to total assets | 59.5994% | 3,843 |
| Net loans and leases to deposits | 69.9252% | 3,868 |
| Net loans and leases to core deposits | 71.5368% | 4,041 |
| Total domestic deposits to total assets | 85.2331% | 2,586 |
| Equity capital to assets | 14.4013% | 833 |
| Core capital (leverage) ratio | 12.1412% | 1,622 |
| Tier 1 risk-based capital ratio | 18.6866% | 1,627 |
| Total risk-based capital ratio | 19.9627% | 1,584 |
| Memoranda: | ||
| Average total assets | $89,710,000 | 4,355 |
| Average earning assets | $79,428,330 | 4,411 |
| Average equity | $12,892,670 | 3,944 |
| Average total loans | $57,917,330 | 4,220 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7737% | 1,138 |
| Cost of funding earning assets | 0.1373% | 5,328 |
| Net interest margin | 4.6365% | 463 |
| Noninterest income to average assets | 1.6286% | 374 |
| Noninterest expense to average assets | 4.6204% | 270 |
| Loan and lease loss provision to assets | 0.5624% | 183 |
| Net operating income to assets | 0.5489% | 4,580 |
| Return on assets (ROA) | 0.5489% | 4,583 |
| Pretax return on assets | 0.5489% | 4,791 |
| Return on Equity (ROE) | 3.7680% | 4,827 |
| Retained earnings to average equity (ytd only) | 3.7680% | 3,687 |
| Net charge-offs to loans | 0.8969% | 157 |
| Credit loss provision to net charge-offs | 94.6970% | 1,637 |
| Earnings coverage of net charge-offs (x) | 1.8712% | 2,510 |
| Efficiency ratio | 80.6122% | 1,077 |
| Assets per employee ($millions) | 3.2560% | 4,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 534 |
| Loan loss allowance to noncurrent loans | 81.1675% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.7703% | 693 |
| Noncurrent loans to loans | 2.4763% | 553 |
| Net loans and leases to total assets | 62.4576% | 3,491 |
| Net loans and leases to deposits | 73.1132% | 3,503 |
| Net loans and leases to core deposits | 77.3427% | 3,550 |
| Total domestic deposits to total assets | 85.4260% | 2,782 |
| Equity capital to assets | 14.2395% | 828 |
| Core capital (leverage) ratio | 12.7182% | 1,286 |
| Tier 1 risk-based capital ratio | 16.5256% | 2,264 |
| Total risk-based capital ratio | 17.7832% | 2,214 |
| Memoranda: | ||
| Average total assets | $88,910,000 | 4,416 |
| Average earning assets | $78,680,500 | 4,479 |
| Average equity | $12,951,000 | 3,977 |
| Average total loans | $58,870,500 | 4,225 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 1,294 |
| Cost of funding earning assets | 0.1679% | 5,169 |
| Net interest margin | 4.4870% | 632 |
| Noninterest income to average assets | 1.1494% | 772 |
| Noninterest expense to average assets | 5.2748% | 189 |
| Loan and lease loss provision to assets | 0.4015% | 367 |
| Net operating income to assets | -0.5204% | 5,535 |
| Return on assets (ROA) | -0.5085% | 5,532 |
| Pretax return on assets | -0.5626% | 5,559 |
| Return on Equity (ROE) | -3.4880% | 5,501 |
| Retained earnings to average equity (ytd only) | -3.4880% | 5,371 |
| Net charge-offs to loans | 0.4976% | 477 |
| Credit loss provision to net charge-offs | 115.9236% | 2,259 |
| Earnings coverage of net charge-offs (x) | -0.5032% | 4,033 |
| Efficiency ratio | 103.4170% | 138 |
| Assets per employee ($millions) | 2.7078% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 566 |
| Loan loss allowance to noncurrent loans | 91.2267% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 1.6884% | 761 |
| Noncurrent loans to loans | 2.1600% | 686 |
| Net loans and leases to total assets | 67.4614% | 2,895 |
| Net loans and leases to deposits | 80.1910% | 2,892 |
| Net loans and leases to core deposits | 88.0852% | 2,710 |
| Total domestic deposits to total assets | 84.1260% | 3,160 |
| Equity capital to assets | 14.9104% | 693 |
| Core capital (leverage) ratio | 12.4579% | 1,378 |
| Tier 1 risk-based capital ratio | 16.5066% | 2,262 |
| Total risk-based capital ratio | 17.7743% | 2,193 |
| Memoranda: | ||
| Average total assets | $90,656,800 | 4,414 |
| Average earning assets | $79,830,400 | 4,466 |
| Average equity | $13,216,600 | 3,957 |
| Average total loans | $63,100,400 | 4,127 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6686% | 1,204 |
| Cost of funding earning assets | 0.1715% | 5,185 |
| Net interest margin | 4.4971% | 605 |
| Noninterest income to average assets | 1.1986% | 723 |
| Noninterest expense to average assets | 5.3415% | 187 |
| Loan and lease loss provision to assets | 0.3826% | 369 |
| Net operating income to assets | -0.5586% | 5,636 |
| Return on assets (ROA) | -0.5411% | 5,635 |
| Pretax return on assets | -0.5411% | 5,628 |
| Return on Equity (ROE) | -3.7318% | 5,619 |
| Retained earnings to average equity (ytd only) | -3.7318% | 5,511 |
| Net charge-offs to loans | 0.3210% | 655 |
| Credit loss provision to net charge-offs | 170.7792% | 1,527 |
| Earnings coverage of net charge-offs (x) | -0.7857% | 3,714 |
| Efficiency ratio | 103.4075% | 141 |
| Assets per employee ($millions) | 2.6816% | 5,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 592 |
| Loan loss allowance to noncurrent loans | 53.5126% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 2.8913% | 321 |
| Noncurrent loans to loans | 3.7020% | 286 |
| Net loans and leases to total assets | 71.1537% | 2,384 |
| Net loans and leases to deposits | 84.9276% | 2,444 |
| Net loans and leases to core deposits | 93.4150% | 2,312 |
| Total domestic deposits to total assets | 83.7816% | 3,197 |
| Equity capital to assets | 15.2302% | 687 |
| Core capital (leverage) ratio | 13.5650% | 1,004 |
| Tier 1 risk-based capital ratio | 17.7243% | 1,938 |
| Total risk-based capital ratio | 18.9874% | 1,874 |
| Memoranda: | ||
| Average total assets | $91,658,250 | 4,434 |
| Average earning assets | $80,850,250 | 4,493 |
| Average equity | $13,290,750 | 3,984 |
| Average total loans | $63,967,750 | 4,135 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 1,273 |
| Cost of funding earning assets | 0.1820% | 5,126 |
| Net interest margin | 4.4085% | 688 |
| Noninterest income to average assets | 1.2114% | 703 |
| Noninterest expense to average assets | 5.3393% | 191 |
| Loan and lease loss provision to assets | 0.1389% | 1,485 |
| Net operating income to assets | -0.3846% | 5,665 |
| Return on assets (ROA) | -0.3846% | 5,663 |
| Pretax return on assets | -0.3846% | 5,648 |
| Return on Equity (ROE) | -2.6937% | 5,641 |
| Retained earnings to average equity (ytd only) | -2.6937% | 5,401 |
| Net charge-offs to loans | 0.2294% | 893 |
| Credit loss provision to net charge-offs | 87.8378% | 2,168 |
| Earnings coverage of net charge-offs (x) | -1.5541% | 3,442 |
| Efficiency ratio | 104.8238% | 140 |
| Assets per employee ($millions) | 2.7561% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7386% | 997 |
| Loan loss allowance to noncurrent loans | 41.4254% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 3.0605% | 294 |
| Noncurrent loans to loans | 4.1970% | 218 |
| Net loans and leases to total assets | 67.3073% | 2,902 |
| Net loans and leases to deposits | 79.1976% | 3,006 |
| Net loans and leases to core deposits | 89.6535% | 2,554 |
| Total domestic deposits to total assets | 84.9865% | 2,818 |
| Equity capital to assets | 14.1662% | 912 |
| Core capital (leverage) ratio | 12.6884% | 1,299 |
| Tier 1 risk-based capital ratio | 17.2157% | 2,091 |
| Total risk-based capital ratio | 18.4751% | 2,035 |
| Memoranda: | ||
| Average total assets | $93,607,670 | 4,425 |
| Average earning assets | $82,431,670 | 4,499 |
| Average equity | $13,364,670 | 3,985 |
| Average total loans | $64,526,670 | 4,135 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 1,224 |
| Cost of funding earning assets | 0.1887% | 5,078 |
| Net interest margin | 4.3744% | 667 |
| Noninterest income to average assets | 1.5666% | 457 |
| Noninterest expense to average assets | 5.1151% | 220 |
| Loan and lease loss provision to assets | 0.2782% | 514 |
| Net operating income to assets | 0.0428% | 5,579 |
| Return on assets (ROA) | 0.0428% | 5,585 |
| Pretax return on assets | 0.0428% | 5,577 |
| Return on Equity (ROE) | 0.3007% | 5,587 |
| Retained earnings to average equity (ytd only) | 0.3007% | 4,846 |
| Net charge-offs to loans | 0.4699% | 394 |
| Credit loss provision to net charge-offs | 85.5263% | 1,718 |
| Earnings coverage of net charge-offs (x) | 0.9868% | 2,771 |
| Efficiency ratio | 94.0945% | 382 |
| Assets per employee ($millions) | 2.6843% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7245% | 1,100 |
| Loan loss allowance to noncurrent loans | 20.9438% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 5.8649% | 86 |
| Noncurrent loans to loans | 8.2341% | 58 |
| Net loans and leases to total assets | 67.5718% | 2,736 |
| Net loans and leases to deposits | 79.4899% | 2,809 |
| Net loans and leases to core deposits | 92.5719% | 2,115 |
| Total domestic deposits to total assets | 85.0068% | 3,087 |
| Equity capital to assets | 14.1822% | 849 |
| Core capital (leverage) ratio | 13.0263% | 1,134 |
| Tier 1 risk-based capital ratio | 17.0561% | 2,167 |
| Total risk-based capital ratio | 18.3153% | 2,116 |
| Memoranda: | ||
| Average total assets | $93,448,000 | 4,473 |
| Average earning assets | $82,662,500 | 4,533 |
| Average equity | $13,300,500 | 4,015 |
| Average total loans | $64,695,500 | 4,164 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5675% | 1,366 |
| Cost of funding earning assets | 0.2226% | 4,807 |
| Net interest margin | 4.3450% | 861 |
| Noninterest income to average assets | 2.1726% | 306 |
| Noninterest expense to average assets | 5.8818% | 172 |
| Loan and lease loss provision to assets | 2.3499% | 30 |
| Net operating income to assets | -1.5877% | 5,870 |
| Return on assets (ROA) | -1.5864% | 5,871 |
| Pretax return on assets | -2.2234% | 5,880 |
| Return on Equity (ROE) | -11.5006% | 5,843 |
| Retained earnings to average equity (ytd only) | -11.5006% | 5,800 |
| Net charge-offs to loans | 3.5779% | 29 |
| Credit loss provision to net charge-offs | 93.8050% | 2,729 |
| Earnings coverage of net charge-offs (x) | 0.0497% | 4,133 |
| Efficiency ratio | 97.9266% | 250 |
| Assets per employee ($millions) | 2.3833% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7363% | 1,069 |
| Loan loss allowance to noncurrent loans | 25.9635% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 4.8694% | 127 |
| Noncurrent loans to loans | 6.6873% | 80 |
| Net loans and leases to total assets | 68.5003% | 2,702 |
| Net loans and leases to deposits | 80.9359% | 2,784 |
| Net loans and leases to core deposits | 94.4910% | 2,058 |
| Total domestic deposits to total assets | 84.6353% | 3,196 |
| Equity capital to assets | 14.2845% | 799 |
| Core capital (leverage) ratio | 12.1768% | 1,491 |
| Tier 1 risk-based capital ratio | 17.1864% | 2,094 |
| Total risk-based capital ratio | 18.4520% | 2,046 |
| Memoranda: | ||
| Average total assets | $104,389,400 | 4,275 |
| Average earning assets | $92,106,600 | 4,348 |
| Average equity | $14,399,200 | 3,894 |
| Average total loans | $73,087,800 | 3,964 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5090% | 1,509 |
| Cost of funding earning assets | 0.2225% | 4,863 |
| Net interest margin | 4.2865% | 952 |
| Noninterest income to average assets | 2.5348% | 255 |
| Noninterest expense to average assets | 5.4277% | 214 |
| Loan and lease loss provision to assets | 1.7268% | 52 |
| Net operating income to assets | -0.8354% | 5,894 |
| Return on assets (ROA) | -0.8317% | 5,896 |
| Pretax return on assets | -0.8317% | 5,891 |
| Return on Equity (ROE) | -6.0763% | 5,878 |
| Retained earnings to average equity (ytd only) | -6.0763% | 5,766 |
| Net charge-offs to loans | 1.6586% | 77 |
| Credit loss provision to net charge-offs | 148.5561% | 1,786 |
| Earnings coverage of net charge-offs (x) | 0.7668% | 3,763 |
| Efficiency ratio | 85.8942% | 829 |
| Assets per employee ($millions) | 2.3283% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3780% | 393 |
| Loan loss allowance to noncurrent loans | 22.2891% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 7.8375% | 62 |
| Noncurrent loans to loans | 10.6690% | 28 |
| Net loans and leases to total assets | 69.7659% | 2,527 |
| Net loans and leases to deposits | 81.9490% | 2,742 |
| Net loans and leases to core deposits | 101.9238% | 1,490 |
| Total domestic deposits to total assets | 85.1333% | 2,742 |
| Equity capital to assets | 13.9998% | 1,028 |
| Core capital (leverage) ratio | 12.0436% | 1,646 |
| Tier 1 risk-based capital ratio | 16.1494% | 2,566 |
| Total risk-based capital ratio | 17.4216% | 2,508 |
| Memoranda: | ||
| Average total assets | $107,250,000 | 4,256 |
| Average earning assets | $94,682,250 | 4,334 |
| Average equity | $14,679,750 | 3,882 |
| Average total loans | $75,161,250 | 3,948 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5211% | 1,462 |
| Cost of funding earning assets | 0.2170% | 4,973 |
| Net interest margin | 4.3041% | 916 |
| Noninterest income to average assets | 3.2964% | 178 |
| Noninterest expense to average assets | 5.1455% | 249 |
| Loan and lease loss provision to assets | 0.4806% | 276 |
| Net operating income to assets | 1.4547% | 962 |
| Return on assets (ROA) | 1.4547% | 1,013 |
| Pretax return on assets | 1.4547% | 1,823 |
| Return on Equity (ROE) | 10.5964% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.5964% | 492 |
| Net charge-offs to loans | 0.0606% | 2,328 |
| Credit loss provision to net charge-offs | 1,139.1304% | 338 |
| Earnings coverage of net charge-offs (x) | 45.8696% | 1,054 |
| Efficiency ratio | 72.6684% | 2,569 |
| Assets per employee ($millions) | 2.4624% | 5,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9989% | 737 |
| Loan loss allowance to noncurrent loans | 21.7751% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 6.6495% | 91 |
| Noncurrent loans to loans | 9.1797% | 48 |
| Net loans and leases to total assets | 67.5198% | 2,863 |
| Net loans and leases to deposits | 79.5771% | 2,991 |
| Net loans and leases to core deposits | 100.1861% | 1,622 |
| Total domestic deposits to total assets | 84.8483% | 2,939 |
| Equity capital to assets | 14.2826% | 936 |
| Core capital (leverage) ratio | 12.9749% | 1,155 |
| Tier 1 risk-based capital ratio | 17.5360% | 2,059 |
| Total risk-based capital ratio | 18.8039% | 2,018 |
| Memoranda: | ||
| Average total assets | $109,027,000 | 4,246 |
| Average earning assets | $95,861,670 | 4,345 |
| Average equity | $14,967,330 | 3,858 |
| Average total loans | $75,923,670 | 3,952 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5682% | 1,346 |
| Cost of funding earning assets | 0.2204% | 5,001 |
| Net interest margin | 4.3479% | 836 |
| Noninterest income to average assets | 0.3033% | 4,558 |
| Noninterest expense to average assets | 4.8383% | 300 |
| Loan and lease loss provision to assets | 0.3699% | 393 |
| Net operating income to assets | -1.1097% | 6,039 |
| Return on assets (ROA) | -1.1097% | 6,040 |
| Pretax return on assets | -1.1097% | 6,027 |
| Return on Equity (ROE) | -8.2542% | 6,009 |
| Retained earnings to average equity (ytd only) | -8.2542% | 5,758 |
| Net charge-offs to loans | 0.2536% | 817 |
| Credit loss provision to net charge-offs | 208.3333% | 1,047 |
| Earnings coverage of net charge-offs (x) | -4.1667% | 3,037 |
| Efficiency ratio | 118.0505% | 112 |
| Assets per employee ($millions) | 2.4473% | 5,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 1,226 |
| Loan loss allowance to noncurrent loans | 16.3852% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 7.9110% | 71 |
| Noncurrent loans to loans | 10.7336% | 36 |
| Net loans and leases to total assets | 71.0766% | 2,180 |
| Net loans and leases to deposits | 83.1677% | 2,407 |
| Net loans and leases to core deposits | 105.5650% | 1,100 |
| Total domestic deposits to total assets | 85.4618% | 2,928 |
| Equity capital to assets | 13.6953% | 1,092 |
| Core capital (leverage) ratio | 12.2526% | 1,462 |
| Tier 1 risk-based capital ratio | 15.4797% | 2,929 |
| Total risk-based capital ratio | 16.7487% | 2,849 |
| Memoranda: | ||
| Average total assets | $108,137,500 | 4,296 |
| Average earning assets | $94,391,000 | 4,410 |
| Average equity | $14,538,000 | 3,926 |
| Average total loans | $75,714,500 | 3,979 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4675% | 1,695 |
| Cost of funding earning assets | 0.3566% | 3,632 |
| Net interest margin | 4.1109% | 1,387 |
| Noninterest income to average assets | 2.3798% | 283 |
| Noninterest expense to average assets | 4.8969% | 303 |
| Loan and lease loss provision to assets | 0.1961% | 1,107 |
| Net operating income to assets | 0.7057% | 3,780 |
| Return on assets (ROA) | 0.6959% | 3,941 |
| Pretax return on assets | 0.7017% | 4,528 |
| Return on Equity (ROE) | 6.5561% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.5561% | 1,508 |
| Net charge-offs to loans | 1.4691% | 106 |
| Credit loss provision to net charge-offs | 20.8627% | 3,740 |
| Earnings coverage of net charge-offs (x) | 0.9657% | 4,156 |
| Efficiency ratio | 84.3621% | 1,148 |
| Assets per employee ($millions) | 2.5824% | 5,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7093% | 1,332 |
| Loan loss allowance to noncurrent loans | 16.0454% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 7.4701% | 88 |
| Noncurrent loans to loans | 10.6529% | 34 |
| Net loans and leases to total assets | 66.6478% | 2,890 |
| Net loans and leases to deposits | 77.5381% | 3,098 |
| Net loans and leases to core deposits | 95.0331% | 1,939 |
| Total domestic deposits to total assets | 85.9549% | 2,662 |
| Equity capital to assets | 13.2058% | 1,257 |
| Core capital (leverage) ratio | 11.5585% | 1,916 |
| Tier 1 risk-based capital ratio | 16.1466% | 2,621 |
| Total risk-based capital ratio | 17.4161% | 2,570 |
| Memoranda: | ||
| Average total assets | $120,851,800 | 4,053 |
| Average earning assets | $100,683,000 | 4,269 |
| Average equity | $12,827,800 | 4,168 |
| Average total loans | $77,326,400 | 3,902 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,296 |
| Cost of funding earning assets | 0.3666% | 3,590 |
| Net interest margin | 4.2468% | 1,060 |
| Noninterest income to average assets | 0.9407% | 1,341 |
| Noninterest expense to average assets | 4.6107% | 382 |
| Loan and lease loss provision to assets | 0.0119% | 4,034 |
| Net operating income to assets | -0.1622% | 6,032 |
| Return on assets (ROA) | -0.1763% | 6,052 |
| Pretax return on assets | -0.1763% | 6,042 |
| Return on Equity (ROE) | -1.7571% | 6,055 |
| Retained earnings to average equity (ytd only) | -1.7571% | 5,830 |
| Net charge-offs to loans | 0.8565% | 228 |
| Credit loss provision to net charge-offs | 2.2000% | 3,510 |
| Earnings coverage of net charge-offs (x) | -0.2780% | 4,014 |
| Efficiency ratio | 103.3697% | 225 |
| Assets per employee ($millions) | 2.8593% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2047% | 657 |
| Loan loss allowance to noncurrent loans | 21.2318% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 6.9198% | 114 |
| Noncurrent loans to loans | 10.3837% | 39 |
| Net loans and leases to total assets | 62.6458% | 3,515 |
| Net loans and leases to deposits | 70.3405% | 3,945 |
| Net loans and leases to core deposits | 84.1719% | 3,023 |
| Total domestic deposits to total assets | 89.0608% | 1,004 |
| Equity capital to assets | 10.1681% | 3,976 |
| Core capital (leverage) ratio | 8.9793% | 5,015 |
| Tier 1 risk-based capital ratio | 12.3616% | 4,849 |
| Total risk-based capital ratio | 13.6308% | 4,745 |
| Memoranda: | ||
| Average total assets | $123,304,250 | 4,058 |
| Average earning assets | $102,191,000 | 4,277 |
| Average equity | $12,368,750 | 4,285 |
| Average total loans | $77,834,500 | 3,928 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5979% | 1,289 |
| Cost of funding earning assets | 0.3702% | 3,598 |
| Net interest margin | 4.2276% | 1,052 |
| Noninterest income to average assets | 1.2189% | 819 |
| Noninterest expense to average assets | 4.5942% | 385 |
| Loan and lease loss provision to assets | 0.0177% | 3,776 |
| Net operating income to assets | 0.1512% | 5,806 |
| Return on assets (ROA) | 0.1303% | 5,880 |
| Pretax return on assets | 0.1303% | 5,907 |
| Return on Equity (ROE) | 1.3042% | 5,834 |
| Retained earnings to average equity (ytd only) | 1.3042% | 5,028 |
| Net charge-offs to loans | 1.0699% | 187 |
| Credit loss provision to net charge-offs | 2.6316% | 3,142 |
| Earnings coverage of net charge-offs (x) | 0.2512% | 3,684 |
| Efficiency ratio | 96.4551% | 424 |
| Assets per employee ($millions) | 2.9877% | 5,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3283% | 613 |
| Loan loss allowance to noncurrent loans | 24.7770% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 6.2717% | 145 |
| Noncurrent loans to loans | 9.3970% | 61 |
| Net loans and leases to total assets | 59.4395% | 3,915 |
| Net loans and leases to deposits | 66.5349% | 4,287 |
| Net loans and leases to core deposits | 78.9013% | 3,494 |
| Total domestic deposits to total assets | 89.3357% | 987 |
| Equity capital to assets | 9.8945% | 4,164 |
| Core capital (leverage) ratio | 8.8972% | 5,101 |
| Tier 1 risk-based capital ratio | 12.4870% | 4,818 |
| Total risk-based capital ratio | 13.7566% | 4,717 |
| Memoranda: | ||
| Average total assets | $124,375,330 | 4,066 |
| Average earning assets | $104,266,000 | 4,261 |
| Average equity | $12,421,330 | 4,299 |
| Average total loans | $78,136,670 | 3,941 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 1,099 |
| Cost of funding earning assets | 0.3683% | 3,665 |
| Net interest margin | 4.2971% | 883 |
| Noninterest income to average assets | 1.0134% | 1,091 |
| Noninterest expense to average assets | 4.1052% | 617 |
| Loan and lease loss provision to assets | 0.0355% | 3,193 |
| Net operating income to assets | 0.3913% | 5,100 |
| Return on assets (ROA) | 0.3808% | 5,261 |
| Pretax return on assets | 0.5842% | 4,960 |
| Return on Equity (ROE) | 3.7772% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.7772% | 3,741 |
| Net charge-offs to loans | 0.6985% | 344 |
| Credit loss provision to net charge-offs | 7.9710% | 2,443 |
| Earnings coverage of net charge-offs (x) | 1.4275% | 2,922 |
| Efficiency ratio | 86.5895% | 1,125 |
| Assets per employee ($millions) | 3.0080% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5742% | 479 |
| Loan loss allowance to noncurrent loans | 26.8550% | 5,607 |
| Noncurrent assets plus other real estate owned to assets | 6.5233% | 146 |
| Noncurrent loans to loans | 9.5855% | 67 |
| Net loans and leases to total assets | 60.0882% | 3,642 |
| Net loans and leases to deposits | 67.4804% | 4,005 |
| Net loans and leases to core deposits | 81.2528% | 3,027 |
| Total domestic deposits to total assets | 89.0454% | 1,233 |
| Equity capital to assets | 10.2143% | 3,866 |
| Core capital (leverage) ratio | 8.7723% | 5,239 |
| Tier 1 risk-based capital ratio | 12.2453% | 5,075 |
| Total risk-based capital ratio | 13.5165% | 4,975 |
| Memoranda: | ||
| Average total assets | $123,940,000 | 4,105 |
| Average earning assets | $107,513,500 | 4,226 |
| Average equity | $12,496,000 | 4,322 |
| Average total loans | $79,022,500 | 3,928 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 2,148 |
| Cost of funding earning assets | 0.3122% | 4,661 |
| Net interest margin | 4.1113% | 1,542 |
| Noninterest income to average assets | 1.0570% | 1,086 |
| Noninterest expense to average assets | 4.5925% | 425 |
| Loan and lease loss provision to assets | 0.2598% | 860 |
| Net operating income to assets | -0.2721% | 6,230 |
| Return on assets (ROA) | -0.3057% | 6,235 |
| Pretax return on assets | -0.2056% | 6,194 |
| Return on Equity (ROE) | -3.0499% | 6,248 |
| Retained earnings to average equity (ytd only) | -3.2634% | 6,109 |
| Net charge-offs to loans | 0.9137% | 353 |
| Credit loss provision to net charge-offs | 45.8839% | 3,573 |
| Earnings coverage of net charge-offs (x) | 0.1552% | 4,687 |
| Efficiency ratio | 98.1221% | 419 |
| Assets per employee ($millions) | 3.2090% | 5,420 |
| Cash dividends to net income (ytd only)* | -7.0000% | 6,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8114% | 1,510 |
| Loan loss allowance to noncurrent loans | 25.9253% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 5.0459% | 273 |
| Noncurrent loans to loans | 6.9869% | 145 |
| Net loans and leases to total assets | 64.3194% | 3,176 |
| Net loans and leases to deposits | 74.4412% | 3,377 |
| Net loans and leases to core deposits | 99.4379% | 1,429 |
| Total domestic deposits to total assets | 86.4029% | 2,618 |
| Equity capital to assets | 10.3834% | 3,625 |
| Core capital (leverage) ratio | 8.8578% | 5,173 |
| Tier 1 risk-based capital ratio | 12.3936% | 5,093 |
| Total risk-based capital ratio | 13.6484% | 5,015 |
| Memoranda: | ||
| Average total assets | $130,844,800 | 3,957 |
| Average earning assets | $115,315,200 | 4,063 |
| Average equity | $13,115,000 | 4,167 |
| Average total loans | $81,098,000 | 3,847 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4235% | 2,148 |
| Cost of funding earning assets | 0.3344% | 4,525 |
| Net interest margin | 4.0890% | 1,610 |
| Noninterest income to average assets | 1.1109% | 985 |
| Noninterest expense to average assets | 4.5573% | 433 |
| Loan and lease loss provision to assets | 0.3427% | 519 |
| Net operating income to assets | -0.0674% | 6,198 |
| Return on assets (ROA) | -0.0958% | 6,220 |
| Pretax return on assets | -0.2470% | 6,270 |
| Return on Equity (ROE) | -0.9636% | 6,221 |
| Retained earnings to average equity (ytd only) | -1.2476% | 5,998 |
| Net charge-offs to loans | 0.8127% | 410 |
| Credit loss provision to net charge-offs | 68.9655% | 2,786 |
| Earnings coverage of net charge-offs (x) | 0.2819% | 4,411 |
| Efficiency ratio | 97.0172% | 468 |
| Assets per employee ($millions) | 2.8058% | 5,955 |
| Cash dividends to net income (ytd only)* | -29.4726% | 6,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1160% | 1,067 |
| Loan loss allowance to noncurrent loans | 29.4828% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 5.2226% | 311 |
| Noncurrent loans to loans | 7.1772% | 158 |
| Net loans and leases to total assets | 63.4920% | 3,264 |
| Net loans and leases to deposits | 71.5286% | 3,733 |
| Net loans and leases to core deposits | 104.8004% | 1,044 |
| Total domestic deposits to total assets | 88.7645% | 1,370 |
| Equity capital to assets | 10.4831% | 3,587 |
| Core capital (leverage) ratio | 8.7616% | 5,377 |
| Tier 1 risk-based capital ratio | 12.4056% | 5,221 |
| Total risk-based capital ratio | 13.6634% | 5,149 |
| Memoranda: | ||
| Average total assets | $132,268,000 | 3,966 |
| Average earning assets | $116,015,000 | 4,090 |
| Average equity | $13,145,000 | 4,191 |
| Average total loans | $80,877,000 | 3,881 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4267% | 2,076 |
| Cost of funding earning assets | 0.3302% | 4,646 |
| Net interest margin | 4.0965% | 1,525 |
| Noninterest income to average assets | 0.8118% | 1,795 |
| Noninterest expense to average assets | 4.4477% | 475 |
| Loan and lease loss provision to assets | 0.5064% | 291 |
| Net operating income to assets | -0.2858% | 6,363 |
| Return on assets (ROA) | -0.3277% | 6,391 |
| Pretax return on assets | -0.6420% | 6,456 |
| Return on Equity (ROE) | -3.3550% | 6,387 |
| Retained earnings to average equity (ytd only) | -3.7820% | 6,160 |
| Net charge-offs to loans | 1.2466% | 247 |
| Credit loss provision to net charge-offs | 67.7291% | 2,507 |
| Earnings coverage of net charge-offs (x) | -0.0936% | 4,139 |
| Efficiency ratio | 101.5992% | 365 |
| Assets per employee ($millions) | 2.7818% | 6,049 |
| Cash dividends to net income (ytd only)* | -12.7273% | 6,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1400% | 1,104 |
| Loan loss allowance to noncurrent loans | 26.5394% | 5,862 |
| Noncurrent assets plus other real estate owned to assets | 5.4986% | 304 |
| Noncurrent loans to loans | 8.0634% | 124 |
| Net loans and leases to total assets | 59.0432% | 3,856 |
| Net loans and leases to deposits | 65.9970% | 4,269 |
| Net loans and leases to core deposits | 101.5797% | 1,166 |
| Total domestic deposits to total assets | 89.4635% | 1,109 |
| Equity capital to assets | 9.7899% | 4,373 |
| Core capital (leverage) ratio | 8.4616% | 5,670 |
| Tier 1 risk-based capital ratio | 12.4336% | 5,277 |
| Total risk-based capital ratio | 13.6916% | 5,189 |
| Memoranda: | ||
| Average total assets | $134,270,670 | 3,954 |
| Average earning assets | $116,881,330 | 4,087 |
| Average equity | $13,114,670 | 4,198 |
| Average total loans | $80,536,670 | 3,895 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3638% | 2,284 |
| Cost of funding earning assets | 0.3211% | 4,847 |
| Net interest margin | 4.0427% | 1,621 |
| Noninterest income to average assets | 0.8110% | 1,711 |
| Noninterest expense to average assets | 4.5097% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0560% | 6,252 |
| Return on assets (ROA) | -0.1396% | 6,317 |
| Pretax return on assets | -0.2763% | 6,380 |
| Return on Equity (ROE) | -1.4312% | 6,324 |
| Retained earnings to average equity (ytd only) | -1.8575% | 5,843 |
| Net charge-offs to loans | 0.1143% | 2,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -2.1304% | 3,539 |
| Efficiency ratio | 103.3356% | 394 |
| Assets per employee ($millions) | 2.5828% | 6,309 |
| Cash dividends to net income (ytd only)* | -29.7872% | 6,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2953% | 1,034 |
| Loan loss allowance to noncurrent loans | 40.2550% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 3.9909% | 593 |
| Noncurrent loans to loans | 5.7020% | 343 |
| Net loans and leases to total assets | 60.2027% | 3,532 |
| Net loans and leases to deposits | 67.5169% | 3,914 |
| Net loans and leases to core deposits | 104.4836% | 825 |
| Total domestic deposits to total assets | 89.1668% | 1,551 |
| Equity capital to assets | 10.0065% | 3,835 |
| Core capital (leverage) ratio | 8.6368% | 5,481 |
| Tier 1 risk-based capital ratio | 12.6013% | 5,254 |
| Total risk-based capital ratio | 13.8610% | 5,186 |
| Memoranda: | ||
| Average total assets | $134,643,000 | 3,984 |
| Average earning assets | $118,338,000 | 4,086 |
| Average equity | $13,136,000 | 4,209 |
| Average total loans | $80,524,000 | 3,918 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 3,686 |
| Cost of funding earning assets | 0.3710% | 4,937 |
| Net interest margin | 3.7420% | 2,891 |
| Noninterest income to average assets | 1.2086% | 963 |
| Noninterest expense to average assets | 4.5846% | 489 |
| Loan and lease loss provision to assets | 0.1515% | 2,386 |
| Net operating income to assets | -0.7785% | 6,563 |
| Return on assets (ROA) | -0.7841% | 6,563 |
| Pretax return on assets | -0.3854% | 6,450 |
| Return on Equity (ROE) | -7.9735% | 6,553 |
| Retained earnings to average equity (ytd only) | -8.3711% | 6,503 |
| Net charge-offs to loans | 0.4417% | 1,504 |
| Credit loss provision to net charge-offs | 65.5589% | 3,415 |
| Earnings coverage of net charge-offs (x) | -0.9879% | 5,260 |
| Efficiency ratio | 105.2412% | 351 |
| Assets per employee ($millions) | 2.8074% | 6,097 |
| Cash dividends to net income (ytd only)* | -4.9866% | 6,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3610% | 968 |
| Loan loss allowance to noncurrent loans | 38.3645% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 3.8921% | 691 |
| Noncurrent loans to loans | 6.1540% | 326 |
| Net loans and leases to total assets | 56.6999% | 4,225 |
| Net loans and leases to deposits | 63.1376% | 4,595 |
| Net loans and leases to core deposits | 103.6340% | 934 |
| Total domestic deposits to total assets | 89.8038% | 1,176 |
| Equity capital to assets | 9.5165% | 4,407 |
| Core capital (leverage) ratio | 7.9890% | 6,142 |
| Tier 1 risk-based capital ratio | 12.6870% | 5,181 |
| Total risk-based capital ratio | 13.9473% | 5,121 |
| Memoranda: | ||
| Average total assets | $143,220,000 | 3,826 |
| Average earning assets | $120,469,000 | 4,038 |
| Average equity | $14,084,200 | 4,048 |
| Average total loans | $74,945,200 | 4,094 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 3,851 |
| Cost of funding earning assets | 0.3709% | 5,088 |
| Net interest margin | 3.7042% | 3,017 |
| Noninterest income to average assets | 0.8794% | 1,825 |
| Noninterest expense to average assets | 4.3114% | 625 |
| Loan and lease loss provision to assets | 0.1991% | 1,824 |
| Net operating income to assets | -0.3245% | 6,536 |
| Return on assets (ROA) | -0.3245% | 6,550 |
| Pretax return on assets | -0.5559% | 6,620 |
| Return on Equity (ROE) | -3.2745% | 6,536 |
| Retained earnings to average equity (ytd only) | -3.6652% | 6,414 |
| Net charge-offs to loans | 0.3871% | 1,656 |
| Credit loss provision to net charge-offs | 100.9346% | 2,315 |
| Earnings coverage of net charge-offs (x) | -1.8084% | 5,073 |
| Efficiency ratio | 109.0210% | 282 |
| Assets per employee ($millions) | 3.0054% | 5,838 |
| Cash dividends to net income (ytd only)* | -11.9322% | 6,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6596% | 781 |
| Loan loss allowance to noncurrent loans | 37.5962% | 5,718 |
| Noncurrent assets plus other real estate owned to assets | 4.3202% | 704 |
| Noncurrent loans to loans | 7.0741% | 292 |
| Net loans and leases to total assets | 48.7609% | 5,269 |
| Net loans and leases to deposits | 54.1483% | 5,527 |
| Net loans and leases to core deposits | 92.3066% | 1,747 |
| Total domestic deposits to total assets | 90.0506% | 964 |
| Equity capital to assets | 9.2480% | 4,863 |
| Core capital (leverage) ratio | 7.9283% | 6,263 |
| Tier 1 risk-based capital ratio | 13.1670% | 5,003 |
| Total risk-based capital ratio | 14.4290% | 4,943 |
| Memoranda: | ||
| Average total assets | $144,634,750 | 3,831 |
| Average earning assets | $120,076,750 | 4,096 |
| Average equity | $14,332,500 | 4,054 |
| Average total loans | $73,710,750 | 4,169 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 3,623 |
| Cost of funding earning assets | 0.3589% | 5,327 |
| Net interest margin | 3.7712% | 2,668 |
| Noninterest income to average assets | 0.6318% | 3,010 |
| Noninterest expense to average assets | 4.4187% | 565 |
| Loan and lease loss provision to assets | 0.0476% | 4,021 |
| Net operating income to assets | -0.3460% | 6,580 |
| Return on assets (ROA) | -0.3460% | 6,607 |
| Pretax return on assets | -0.7285% | 6,691 |
| Return on Equity (ROE) | -3.4122% | 6,597 |
| Retained earnings to average equity (ytd only) | -3.7990% | 6,375 |
| Net charge-offs to loans | 0.5137% | 1,277 |
| Credit loss provision to net charge-offs | 18.0851% | 3,763 |
| Earnings coverage of net charge-offs (x) | -2.5851% | 4,784 |
| Efficiency ratio | 118.2159% | 197 |
| Assets per employee ($millions) | 3.2173% | 5,435 |
| Cash dividends to net income (ytd only)* | -11.3360% | 6,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5109% | 973 |
| Loan loss allowance to noncurrent loans | 29.2969% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 4.9064% | 628 |
| Noncurrent loans to loans | 8.5705% | 218 |
| Net loans and leases to total assets | 46.4120% | 5,489 |
| Net loans and leases to deposits | 51.9083% | 5,694 |
| Net loans and leases to core deposits | 90.2672% | 1,888 |
| Total domestic deposits to total assets | 89.4114% | 1,373 |
| Equity capital to assets | 9.0514% | 5,166 |
| Core capital (leverage) ratio | 8.2642% | 5,935 |
| Tier 1 risk-based capital ratio | 13.2446% | 4,962 |
| Total risk-based capital ratio | 14.5040% | 4,896 |
| Memoranda: | ||
| Average total assets | $142,756,330 | 3,901 |
| Average earning assets | $117,575,000 | 4,166 |
| Average equity | $14,477,670 | 4,053 |
| Average total loans | $73,189,330 | 4,207 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 2,440 |
| Cost of funding earning assets | 0.3592% | 5,452 |
| Net interest margin | 4.0655% | 1,572 |
| Noninterest income to average assets | 0.5930% | 3,176 |
| Noninterest expense to average assets | 4.7824% | 432 |
| Loan and lease loss provision to assets | 0.0993% | 3,026 |
| Net operating income to assets | -0.4061% | 6,630 |
| Return on assets (ROA) | -0.4061% | 6,662 |
| Pretax return on assets | -0.9495% | 6,794 |
| Return on Equity (ROE) | -3.7753% | 6,641 |
| Retained earnings to average equity (ytd only) | -4.1555% | 6,294 |
| Net charge-offs to loans | 0.9860% | 619 |
| Credit loss provision to net charge-offs | 18.8889% | 3,051 |
| Earnings coverage of net charge-offs (x) | -1.6167% | 4,001 |
| Efficiency ratio | 121.6196% | 205 |
| Assets per employee ($millions) | 2.9771% | 6,029 |
| Cash dividends to net income (ytd only)* | -10.0719% | 6,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5533% | 1,057 |
| Loan loss allowance to noncurrent loans | 28.5275% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 5.5224% | 625 |
| Noncurrent loans to loans | 8.9504% | 268 |
| Net loans and leases to total assets | 48.5039% | 5,173 |
| Net loans and leases to deposits | 54.8934% | 5,360 |
| Net loans and leases to core deposits | 85.9693% | 2,109 |
| Total domestic deposits to total assets | 88.3602% | 2,094 |
| Equity capital to assets | 10.0419% | 4,097 |
| Core capital (leverage) ratio | 9.2169% | 4,540 |
| Tier 1 risk-based capital ratio | 14.4436% | 4,215 |
| Total risk-based capital ratio | 15.7045% | 4,175 |
| Memoranda: | ||
| Average total assets | $136,919,500 | 4,039 |
| Average earning assets | $112,459,500 | 4,320 |
| Average equity | $14,727,500 | 4,053 |
| Average total loans | $73,024,000 | 4,235 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7926% | 2,229 |
| Cost of funding earning assets | 0.3832% | 6,027 |
| Net interest margin | 4.4093% | 1,143 |
| Noninterest income to average assets | 0.4541% | 4,223 |
| Noninterest expense to average assets | 5.1138% | 354 |
| Loan and lease loss provision to assets | 0.4611% | 1,363 |
| Net operating income to assets | -0.5711% | 6,606 |
| Return on assets (ROA) | -0.5591% | 6,632 |
| Pretax return on assets | -1.3352% | 6,810 |
| Return on Equity (ROE) | -4.6911% | 6,582 |
| Retained earnings to average equity (ytd only) | -5.0564% | 6,428 |
| Net charge-offs to loans | 1.0929% | 966 |
| Credit loss provision to net charge-offs | 70.3440% | 4,150 |
| Earnings coverage of net charge-offs (x) | -1.3618% | 5,791 |
| Efficiency ratio | 121.1496% | 200 |
| Assets per employee ($millions) | 2.4143% | 6,689 |
| Cash dividends to net income (ytd only)* | -7.7886% | 7,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7234% | 899 |
| Loan loss allowance to noncurrent loans | 31.7561% | 5,993 |
| Noncurrent assets plus other real estate owned to assets | 6.3965% | 519 |
| Noncurrent loans to loans | 8.5761% | 320 |
| Net loans and leases to total assets | 55.8276% | 4,321 |
| Net loans and leases to deposits | 64.6167% | 4,464 |
| Net loans and leases to core deposits | 91.6364% | 1,661 |
| Total domestic deposits to total assets | 86.3981% | 3,156 |
| Equity capital to assets | 11.5708% | 2,375 |
| Core capital (leverage) ratio | 10.6154% | 2,641 |
| Tier 1 risk-based capital ratio | 14.9248% | 3,760 |
| Total risk-based capital ratio | 16.1890% | 3,706 |
| Memoranda: | ||
| Average total assets | $128,594,400 | 4,176 |
| Average earning assets | $109,857,600 | 4,343 |
| Average equity | $15,327,000 | 3,888 |
| Average total loans | $77,135,800 | 4,118 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7797% | 2,462 |
| Cost of funding earning assets | 0.3899% | 6,173 |
| Net interest margin | 4.3898% | 1,221 |
| Noninterest income to average assets | 0.7083% | 2,667 |
| Noninterest expense to average assets | 4.5906% | 510 |
| Loan and lease loss provision to assets | 0.1605% | 3,505 |
| Net operating income to assets | -0.1412% | 6,445 |
| Return on assets (ROA) | -0.1253% | 6,512 |
| Pretax return on assets | -0.2289% | 6,556 |
| Return on Equity (ROE) | -1.0437% | 6,507 |
| Retained earnings to average equity (ytd only) | -1.4060% | 6,323 |
| Net charge-offs to loans | 0.3792% | 2,582 |
| Credit loss provision to net charge-offs | 69.8198% | 3,907 |
| Earnings coverage of net charge-offs (x) | -0.4054% | 5,473 |
| Efficiency ratio | 102.0723% | 479 |
| Assets per employee ($millions) | 2.4771% | 6,715 |
| Cash dividends to net income (ytd only)* | -34.7115% | 7,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8397% | 854 |
| Loan loss allowance to noncurrent loans | 27.3388% | 6,241 |
| Noncurrent assets plus other real estate owned to assets | 7.3983% | 459 |
| Noncurrent loans to loans | 10.3871% | 229 |
| Net loans and leases to total assets | 60.3062% | 3,715 |
| Net loans and leases to deposits | 71.5863% | 3,665 |
| Net loans and leases to core deposits | 100.5195% | 1,087 |
| Total domestic deposits to total assets | 84.2426% | 4,107 |
| Equity capital to assets | 12.4696% | 1,915 |
| Core capital (leverage) ratio | 11.6288% | 1,889 |
| Tier 1 risk-based capital ratio | 16.7872% | 2,851 |
| Total risk-based capital ratio | 18.0523% | 2,791 |
| Memoranda: | ||
| Average total assets | $128,753,000 | 4,215 |
| Average earning assets | $111,134,000 | 4,361 |
| Average equity | $15,457,250 | 3,903 |
| Average total loans | $78,060,500 | 4,136 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7782% | 2,588 |
| Cost of funding earning assets | 0.4531% | 5,954 |
| Net interest margin | 4.3250% | 1,408 |
| Noninterest income to average assets | 0.6366% | 3,027 |
| Noninterest expense to average assets | 4.5588% | 525 |
| Loan and lease loss provision to assets | 0.2378% | 2,692 |
| Net operating income to assets | -0.2935% | 6,611 |
| Return on assets (ROA) | -0.2638% | 6,655 |
| Pretax return on assets | -0.3835% | 6,691 |
| Return on Equity (ROE) | -2.2249% | 6,633 |
| Retained earnings to average equity (ytd only) | -2.5870% | 6,419 |
| Net charge-offs to loans | 0.3339% | 2,688 |
| Credit loss provision to net charge-offs | 118.3206% | 2,324 |
| Earnings coverage of net charge-offs (x) | -0.9389% | 5,300 |
| Efficiency ratio | 104.3173% | 430 |
| Assets per employee ($millions) | 2.6379% | 6,617 |
| Cash dividends to net income (ytd only)* | -16.2791% | 7,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9224% | 849 |
| Loan loss allowance to noncurrent loans | 27.3547% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 6.8280% | 585 |
| Noncurrent loans to loans | 10.6832% | 230 |
| Net loans and leases to total assets | 56.1494% | 4,440 |
| Net loans and leases to deposits | 63.9281% | 4,772 |
| Net loans and leases to core deposits | 92.8352% | 1,702 |
| Total domestic deposits to total assets | 87.8321% | 2,261 |
| Equity capital to assets | 11.4335% | 2,655 |
| Core capital (leverage) ratio | 10.9846% | 2,310 |
| Tier 1 risk-based capital ratio | 16.7255% | 2,798 |
| Total risk-based capital ratio | 17.9915% | 2,741 |
| Memoranda: | ||
| Average total assets | $130,386,330 | 4,200 |
| Average earning assets | $112,554,000 | 4,346 |
| Average equity | $15,461,670 | 3,898 |
| Average total loans | $78,456,000 | 4,141 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 2,484 |
| Cost of funding earning assets | 0.3881% | 6,469 |
| Net interest margin | 4.4528% | 1,105 |
| Noninterest income to average assets | 0.6921% | 2,698 |
| Noninterest expense to average assets | 4.5857% | 509 |
| Loan and lease loss provision to assets | 0.4832% | 1,261 |
| Net operating income to assets | -0.3564% | 6,738 |
| Return on assets (ROA) | -0.2962% | 6,744 |
| Pretax return on assets | -0.4271% | 6,795 |
| Return on Equity (ROE) | -2.4514% | 6,718 |
| Retained earnings to average equity (ytd only) | -2.8126% | 6,374 |
| Net charge-offs to loans | 0.6093% | 1,573 |
| Credit loss provision to net charge-offs | 129.1667% | 1,881 |
| Earnings coverage of net charge-offs (x) | -0.0833% | 4,402 |
| Efficiency ratio | 100.6845% | 533 |
| Assets per employee ($millions) | 2.5949% | 6,750 |
| Cash dividends to net income (ytd only)* | -14.7368% | 7,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9208% | 895 |
| Loan loss allowance to noncurrent loans | 22.8112% | 6,460 |
| Noncurrent assets plus other real estate owned to assets | 8.2401% | 455 |
| Noncurrent loans to loans | 12.8044% | 169 |
| Net loans and leases to total assets | 57.3870% | 4,147 |
| Net loans and leases to deposits | 65.4149% | 4,448 |
| Net loans and leases to core deposits | 97.1773% | 1,185 |
| Total domestic deposits to total assets | 87.7278% | 2,509 |
| Equity capital to assets | 11.6178% | 2,335 |
| Core capital (leverage) ratio | 11.5020% | 1,890 |
| Tier 1 risk-based capital ratio | 16.6822% | 2,824 |
| Total risk-based capital ratio | 17.9493% | 2,768 |
| Memoranda: | ||
| Average total assets | $128,312,500 | 4,275 |
| Average earning assets | $111,302,000 | 4,408 |
| Average equity | $15,501,500 | 3,888 |
| Average total loans | $78,777,000 | 4,160 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 2,669 |
| Cost of funding earning assets | 0.4418% | 6,761 |
| Net interest margin | 4.6053% | 919 |
| Noninterest income to average assets | 1.2683% | 804 |
| Noninterest expense to average assets | 4.8737% | 421 |
| Loan and lease loss provision to assets | 3.2143% | 103 |
| Net operating income to assets | -1.6006% | 6,930 |
| Return on assets (ROA) | -1.5996% | 6,950 |
| Pretax return on assets | -2.7498% | 7,157 |
| Return on Equity (ROE) | -11.6889% | 6,785 |
| Retained earnings to average equity (ytd only) | -12.0156% | 6,771 |
| Net charge-offs to loans | 4.4305% | 108 |
| Credit loss provision to net charge-offs | 109.5186% | 3,061 |
| Earnings coverage of net charge-offs (x) | 0.1577% | 5,718 |
| Efficiency ratio | 91.3252% | 1,094 |
| Assets per employee ($millions) | 2.3450% | 6,972 |
| Cash dividends to net income (ytd only)* | -2.7944% | 7,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8365% | 941 |
| Loan loss allowance to noncurrent loans | 20.5461% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 9.4927% | 361 |
| Noncurrent loans to loans | 13.8056% | 156 |
| Net loans and leases to total assets | 62.0131% | 3,597 |
| Net loans and leases to deposits | 74.2729% | 3,453 |
| Net loans and leases to core deposits | 102.5084% | 995 |
| Total domestic deposits to total assets | 83.4936% | 4,544 |
| Equity capital to assets | 12.5743% | 1,761 |
| Core capital (leverage) ratio | 11.7390% | 1,744 |
| Tier 1 risk-based capital ratio | 16.5608% | 2,796 |
| Total risk-based capital ratio | 17.8255% | 2,758 |
| Memoranda: | ||
| Average total assets | $125,283,800 | 4,265 |
| Average earning assets | $110,676,600 | 4,377 |
| Average equity | $17,144,400 | 3,555 |
| Average total loans | $82,992,200 | 4,051 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 2,719 |
| Cost of funding earning assets | 0.4428% | 6,902 |
| Net interest margin | 4.6354% | 880 |
| Noninterest income to average assets | 0.8975% | 1,661 |
| Noninterest expense to average assets | 4.6467% | 500 |
| Loan and lease loss provision to assets | 0.8284% | 1,121 |
| Net operating income to assets | -0.4716% | 6,623 |
| Return on assets (ROA) | -0.4695% | 6,668 |
| Pretax return on assets | -0.4726% | 6,606 |
| Return on Equity (ROE) | -3.3630% | 6,586 |
| Retained earnings to average equity (ytd only) | -3.6826% | 6,486 |
| Net charge-offs to loans | 0.7262% | 2,103 |
| Credit loss provision to net charge-offs | 170.6783% | 1,767 |
| Earnings coverage of net charge-offs (x) | 0.7287% | 5,069 |
| Efficiency ratio | 92.9269% | 977 |
| Assets per employee ($millions) | 2.4249% | 6,962 |
| Cash dividends to net income (ytd only)* | -9.5025% | 7,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6475% | 1,206 |
| Loan loss allowance to noncurrent loans | 15.6175% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 11.4928% | 253 |
| Noncurrent loans to loans | 16.9519% | 92 |
| Net loans and leases to total assets | 62.4272% | 3,624 |
| Net loans and leases to deposits | 75.1254% | 3,488 |
| Net loans and leases to core deposits | 102.7038% | 1,057 |
| Total domestic deposits to total assets | 83.0972% | 4,638 |
| Equity capital to assets | 13.1622% | 1,531 |
| Core capital (leverage) ratio | 12.8966% | 1,265 |
| Tier 1 risk-based capital ratio | 18.5661% | 2,074 |
| Total risk-based capital ratio | 19.8312% | 2,023 |
| Memoranda: | ||
| Average total assets | $125,533,500 | 4,286 |
| Average earning assets | $111,114,000 | 4,387 |
| Average equity | $17,523,500 | 3,510 |
| Average total loans | $83,909,500 | 4,063 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 2,828 |
| Cost of funding earning assets | 0.4441% | 7,030 |
| Net interest margin | 4.6263% | 862 |
| Noninterest income to average assets | 1.2026% | 889 |
| Noninterest expense to average assets | 4.7814% | 445 |
| Loan and lease loss provision to assets | 0.5577% | 1,734 |
| Net operating income to assets | 0.1422% | 5,903 |
| Return on assets (ROA) | 0.1422% | 6,000 |
| Pretax return on assets | -0.0275% | 6,289 |
| Return on Equity (ROE) | 0.9989% | 6,089 |
| Retained earnings to average equity (ytd only) | 0.6811% | 5,579 |
| Net charge-offs to loans | 0.9036% | 1,723 |
| Credit loss provision to net charge-offs | 91.0290% | 3,427 |
| Earnings coverage of net charge-offs (x) | 0.8654% | 4,645 |
| Efficiency ratio | 90.0183% | 1,237 |
| Assets per employee ($millions) | 2.4838% | 6,929 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2279% | 1,861 |
| Loan loss allowance to noncurrent loans | 13.1251% | 6,901 |
| Noncurrent assets plus other real estate owned to assets | 11.8112% | 270 |
| Noncurrent loans to loans | 16.9745% | 99 |
| Net loans and leases to total assets | 63.4027% | 3,598 |
| Net loans and leases to deposits | 76.8896% | 3,306 |
| Net loans and leases to core deposits | 100.0525% | 1,335 |
| Total domestic deposits to total assets | 82.4593% | 5,000 |
| Equity capital to assets | 13.7368% | 1,188 |
| Core capital (leverage) ratio | 13.5474% | 984 |
| Tier 1 risk-based capital ratio | 19.0113% | 1,846 |
| Total risk-based capital ratio | 20.2706% | 1,802 |
| Memoranda: | ||
| Average total assets | $123,730,330 | 4,351 |
| Average earning assets | $109,893,000 | 4,449 |
| Average equity | $17,619,670 | 3,472 |
| Average total loans | $83,890,330 | 4,099 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3986% | 1,560 |
| Cost of funding earning assets | 0.4471% | 7,117 |
| Net interest margin | 4.9515% | 415 |
| Noninterest income to average assets | 0.8726% | 1,757 |
| Noninterest expense to average assets | 4.8919% | 400 |
| Loan and lease loss provision to assets | 0.1487% | 4,156 |
| Net operating income to assets | 0.4429% | 4,756 |
| Return on assets (ROA) | 0.4429% | 4,837 |
| Pretax return on assets | 0.2975% | 5,662 |
| Return on Equity (ROE) | 3.0527% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.7337% | 4,533 |
| Net charge-offs to loans | 1.1625% | 1,195 |
| Credit loss provision to net charge-offs | 18.4426% | 4,271 |
| Earnings coverage of net charge-offs (x) | 0.5533% | 4,206 |
| Efficiency ratio | 91.6409% | 1,188 |
| Assets per employee ($millions) | 2.3621% | 7,134 |
| Cash dividends to net income (ytd only)* | 10.4478% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0498% | 2,294 |
| Loan loss allowance to noncurrent loans | 11.5581% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 12.0966% | 263 |
| Noncurrent loans to loans | 17.7347% | 92 |
| Net loans and leases to total assets | 64.9267% | 3,257 |
| Net loans and leases to deposits | 79.1445% | 2,866 |
| Net loans and leases to core deposits | 104.2223% | 1,049 |
| Total domestic deposits to total assets | 82.0356% | 5,302 |
| Equity capital to assets | 14.0784% | 987 |
| Core capital (leverage) ratio | 14.1514% | 820 |
| Tier 1 risk-based capital ratio | 19.5062% | 1,695 |
| Total risk-based capital ratio | 20.7638% | 1,657 |
| Memoranda: | ||
| Average total assets | $121,017,000 | 4,447 |
| Average earning assets | $109,139,500 | 4,494 |
| Average equity | $17,558,500 | 3,479 |
| Average total loans | $83,958,000 | 4,136 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4975% | 2,293 |
| Cost of funding earning assets | 0.5501% | 7,232 |
| Net interest margin | 4.9474% | 490 |
| Noninterest income to average assets | 1.3022% | 867 |
| Noninterest expense to average assets | 4.8658% | 466 |
| Loan and lease loss provision to assets | 0.7005% | 2,340 |
| Net operating income to assets | 0.0052% | 5,826 |
| Return on assets (ROA) | 0.0245% | 5,902 |
| Pretax return on assets | 0.2082% | 5,473 |
| Return on Equity (ROE) | 0.1691% | 5,915 |
| Retained earnings to average equity (ytd only) | -0.4961% | 5,708 |
| Net charge-offs to loans | 0.4201% | 3,939 |
| Credit loss provision to net charge-offs | 239.6648% | 1,205 |
| Earnings coverage of net charge-offs (x) | 3.0056% | 3,567 |
| Efficiency ratio | 84.7072% | 1,836 |
| Assets per employee ($millions) | 2.1244% | 7,353 |
| Cash dividends to net income (ytd only)* | 393.3333% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2371% | 1,801 |
| Loan loss allowance to noncurrent loans | 13.4058% | 7,028 |
| Noncurrent assets plus other real estate owned to assets | 12.4955% | 251 |
| Noncurrent loans to loans | 16.6875% | 115 |
| Net loans and leases to total assets | 71.0635% | 2,287 |
| Net loans and leases to deposits | 89.7731% | 1,556 |
| Net loans and leases to core deposits | 112.4105% | 791 |
| Total domestic deposits to total assets | 79.1590% | 6,046 |
| Equity capital to assets | 14.9706% | 796 |
| Core capital (leverage) ratio | 14.4308% | 760 |
| Tier 1 risk-based capital ratio | 19.5131% | 1,591 |
| Total risk-based capital ratio | 20.7742% | 1,561 |
| Memoranda: | ||
| Average total assets | $122,487,000 | 4,434 |
| Average earning assets | $109,977,800 | 4,465 |
| Average equity | $17,737,800 | 3,466 |
| Average total loans | $85,224,200 | 4,176 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 2,228 |
| Cost of funding earning assets | 0.5878% | 7,313 |
| Net interest margin | 4.9688% | 470 |
| Noninterest income to average assets | 0.8512% | 1,993 |
| Noninterest expense to average assets | 4.7274% | 479 |
| Loan and lease loss provision to assets | 0.3605% | 3,731 |
| Net operating income to assets | 0.1080% | 5,753 |
| Return on assets (ROA) | 0.1334% | 5,845 |
| Pretax return on assets | 0.2421% | 5,634 |
| Return on Equity (ROE) | 0.9289% | 5,910 |
| Retained earnings to average equity (ytd only) | 0.1498% | 5,714 |
| Net charge-offs to loans | 0.3892% | 3,731 |
| Credit loss provision to net charge-offs | 134.5382% | 2,997 |
| Earnings coverage of net charge-offs (x) | 2.1004% | 4,150 |
| Efficiency ratio | 89.3613% | 1,336 |
| Assets per employee ($millions) | 1.8179% | 7,575 |
| Cash dividends to net income (ytd only)* | 83.8686% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 3,014 |
| Loan loss allowance to noncurrent loans | 12.8536% | 7,124 |
| Noncurrent assets plus other real estate owned to assets | 9.9932% | 413 |
| Noncurrent loans to loans | 13.5673% | 204 |
| Net loans and leases to total assets | 69.7821% | 2,782 |
| Net loans and leases to deposits | 82.5692% | 2,992 |
| Net loans and leases to core deposits | 98.4861% | 1,997 |
| Total domestic deposits to total assets | 84.5135% | 3,860 |
| Equity capital to assets | 14.8806% | 920 |
| Core capital (leverage) ratio | 14.3832% | 835 |
| Tier 1 risk-based capital ratio | 19.2770% | 1,689 |
| Total risk-based capital ratio | 20.5312% | 1,658 |
| Memoranda: | ||
| Average total assets | $123,898,250 | 4,456 |
| Average earning assets | $110,687,250 | 4,519 |
| Average equity | $17,799,250 | 3,508 |
| Average total loans | $85,297,250 | 4,248 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6007% | 2,135 |
| Cost of funding earning assets | 0.6430% | 7,314 |
| Net interest margin | 4.9577% | 463 |
| Noninterest income to average assets | 0.8418% | 1,914 |
| Noninterest expense to average assets | 4.6708% | 485 |
| Loan and lease loss provision to assets | 0.3434% | 3,668 |
| Net operating income to assets | 0.1392% | 5,754 |
| Return on assets (ROA) | 0.1565% | 5,821 |
| Pretax return on assets | 0.2763% | 5,574 |
| Return on Equity (ROE) | 1.1023% | 5,920 |
| Retained earnings to average equity (ytd only) | 0.3149% | 5,633 |
| Net charge-offs to loans | 0.4875% | 3,079 |
| Credit loss provision to net charge-offs | 103.3654% | 3,944 |
| Earnings coverage of net charge-offs (x) | 1.7837% | 4,179 |
| Efficiency ratio | 88.7405% | 1,443 |
| Assets per employee ($millions) | 2.2051% | 7,427 |
| Cash dividends to net income (ytd only)* | 71.4286% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 3,183 |
| Loan loss allowance to noncurrent loans | 16.1873% | 7,108 |
| Noncurrent assets plus other real estate owned to assets | 7.2186% | 718 |
| Noncurrent loans to loans | 10.3192% | 423 |
| Net loans and leases to total assets | 65.8955% | 3,857 |
| Net loans and leases to deposits | 80.3477% | 3,543 |
| Net loans and leases to core deposits | 94.9762% | 2,594 |
| Total domestic deposits to total assets | 82.0129% | 4,983 |
| Equity capital to assets | 14.2088% | 1,102 |
| Core capital (leverage) ratio | 13.4350% | 1,079 |
| Tier 1 risk-based capital ratio | 19.2394% | 1,667 |
| Total risk-based capital ratio | 20.4928% | 1,627 |
| Memoranda: | ||
| Average total assets | $125,203,670 | 4,465 |
| Average earning assets | $111,664,670 | 4,516 |
| Average equity | $17,781,000 | 3,494 |
| Average total loans | $85,325,670 | 4,279 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7369% | 1,649 |
| Cost of funding earning assets | 0.6536% | 7,426 |
| Net interest margin | 5.0833% | 358 |
| Noninterest income to average assets | 0.8003% | 2,019 |
| Noninterest expense to average assets | 4.6191% | 505 |
| Loan and lease loss provision to assets | 0.5922% | 2,140 |
| Net operating income to assets | -0.0150% | 6,326 |
| Return on assets (ROA) | 0.0096% | 6,372 |
| Pretax return on assets | 0.2081% | 5,856 |
| Return on Equity (ROE) | 0.0676% | 6,386 |
| Retained earnings to average equity (ytd only) | -0.7215% | 5,998 |
| Net charge-offs to loans | 0.3074% | 3,184 |
| Credit loss provision to net charge-offs | 280.3030% | 1,415 |
| Earnings coverage of net charge-offs (x) | 3.6061% | 2,851 |
| Efficiency ratio | 85.8418% | 1,811 |
| Assets per employee ($millions) | 2.1371% | 7,589 |
| Cash dividends to net income (ytd only)* | 1,166.6667% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7657% | 2,841 |
| Loan loss allowance to noncurrent loans | 23.2086% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 5.4232% | 1,144 |
| Noncurrent loans to loans | 7.6078% | 737 |
| Net loans and leases to total assets | 65.9079% | 3,874 |
| Net loans and leases to deposits | 79.9378% | 3,666 |
| Net loans and leases to core deposits | 98.4472% | 2,301 |
| Total domestic deposits to total assets | 82.4490% | 4,873 |
| Equity capital to assets | 13.8443% | 1,192 |
| Core capital (leverage) ratio | 14.0179% | 957 |
| Tier 1 risk-based capital ratio | 18.5869% | 1,816 |
| Total risk-based capital ratio | 19.8414% | 1,781 |
| Memoranda: | ||
| Average total assets | $124,960,500 | 4,521 |
| Average earning assets | $112,605,000 | 4,552 |
| Average equity | $17,742,000 | 3,533 |
| Average total loans | $85,873,000 | 4,325 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0574% | 1,651 |
| Cost of funding earning assets | 1.0418% | 7,114 |
| Net interest margin | 5.0155% | 433 |
| Noninterest income to average assets | 0.7768% | 2,529 |
| Noninterest expense to average assets | 5.1876% | 461 |
| Loan and lease loss provision to assets | 0.4597% | 4,070 |
| Net operating income to assets | -0.1820% | 5,824 |
| Return on assets (ROA) | -0.1754% | 5,805 |
| Pretax return on assets | -0.3187% | 5,851 |
| Return on Equity (ROE) | -1.3047% | 5,739 |
| Retained earnings to average equity (ytd only) | -3.2647% | 5,747 |
| Net charge-offs to loans | 0.7690% | 2,902 |
| Credit loss provision to net charge-offs | 85.1632% | 6,159 |
| Earnings coverage of net charge-offs (x) | 0.2418% | 5,883 |
| Efficiency ratio | 97.5456% | 1,235 |
| Assets per employee ($millions) | 1.9317% | 7,766 |
| Cash dividends to net income (ytd only)* | -150.2283% | 7,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 3,153 |
| Loan loss allowance to noncurrent loans | 22.8833% | 6,922 |
| Noncurrent assets plus other real estate owned to assets | 5.3675% | 1,097 |
| Noncurrent loans to loans | 7.1375% | 774 |
| Net loans and leases to total assets | 69.2847% | 3,420 |
| Net loans and leases to deposits | 84.9840% | 3,092 |
| Net loans and leases to core deposits | 115.6741% | 2,353 |
| Total domestic deposits to total assets | 81.5268% | 5,139 |
| Equity capital to assets | 14.5709% | 1,007 |
| Core capital (leverage) ratio | 13.7805% | 1,021 |
| Tier 1 risk-based capital ratio | 18.9562% | 1,664 |
| Total risk-based capital ratio | 20.2094% | 1,630 |
| Memoranda: | ||
| Average total assets | $124,873,800 | 4,448 |
| Average earning assets | $113,069,200 | 4,476 |
| Average equity | $16,785,600 | 3,716 |
| Average total loans | $87,649,000 | 4,275 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1166% | 1,589 |
| Cost of funding earning assets | 1.1178% | 7,141 |
| Net interest margin | 4.9989% | 443 |
| Noninterest income to average assets | 0.7215% | 2,877 |
| Noninterest expense to average assets | 5.1117% | 452 |
| Loan and lease loss provision to assets | 0.3554% | 4,193 |
| Net operating income to assets | -0.0981% | 5,889 |
| Return on assets (ROA) | -0.0934% | 5,916 |
| Pretax return on assets | -0.2355% | 6,032 |
| Return on Equity (ROE) | -0.7090% | 5,888 |
| Retained earnings to average equity (ytd only) | -3.0776% | 5,952 |
| Net charge-offs to loans | 0.7473% | 2,494 |
| Credit loss provision to net charge-offs | 67.8138% | 6,024 |
| Earnings coverage of net charge-offs (x) | 0.2146% | 5,805 |
| Efficiency ratio | 97.8473% | 1,170 |
| Assets per employee ($millions) | 1.9736% | 7,816 |
| Cash dividends to net income (ytd only)* | -334.0919% | 8,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,259 |
| Loan loss allowance to noncurrent loans | 26.9331% | 6,667 |
| Noncurrent assets plus other real estate owned to assets | 4.2733% | 1,456 |
| Noncurrent loans to loans | 5.6965% | 1,082 |
| Net loans and leases to total assets | 67.0873% | 4,165 |
| Net loans and leases to deposits | 83.2758% | 3,780 |
| Net loans and leases to core deposits | 114.8993% | 2,740 |
| Total domestic deposits to total assets | 80.5605% | 5,224 |
| Equity capital to assets | 13.9728% | 1,315 |
| Core capital (leverage) ratio | 13.4014% | 1,263 |
| Tier 1 risk-based capital ratio | 18.5591% | 1,850 |
| Total risk-based capital ratio | 19.8114% | 1,803 |
| Memoranda: | ||
| Average total assets | $125,668,500 | 4,456 |
| Average earning assets | $113,196,500 | 4,506 |
| Average equity | $16,549,000 | 3,798 |
| Average total loans | $88,132,250 | 4,304 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0168% | 2,122 |
| Cost of funding earning assets | 1.1437% | 7,263 |
| Net interest margin | 4.8731% | 570 |
| Noninterest income to average assets | 0.7035% | 2,971 |
| Noninterest expense to average assets | 5.1171% | 474 |
| Loan and lease loss provision to assets | 0.3446% | 3,865 |
| Net operating income to assets | -0.1546% | 6,112 |
| Return on assets (ROA) | -0.1474% | 6,122 |
| Pretax return on assets | -0.3221% | 6,255 |
| Return on Equity (ROE) | -1.1435% | 6,090 |
| Retained earnings to average equity (ytd only) | -4.3629% | 6,198 |
| Net charge-offs to loans | 0.8713% | 1,953 |
| Credit loss provision to net charge-offs | 55.8442% | 5,667 |
| Earnings coverage of net charge-offs (x) | 0.0182% | 5,661 |
| Efficiency ratio | 99.7813% | 1,188 |
| Assets per employee ($millions) | 2.0201% | 7,839 |
| Cash dividends to net income (ytd only)* | -281.5217% | 8,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4895% | 3,254 |
| Loan loss allowance to noncurrent loans | 26.0274% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 4.4486% | 1,265 |
| Noncurrent loans to loans | 5.7229% | 986 |
| Net loans and leases to total assets | 65.9754% | 4,568 |
| Net loans and leases to deposits | 80.9134% | 4,404 |
| Net loans and leases to core deposits | 111.8442% | 3,148 |
| Total domestic deposits to total assets | 81.5382% | 4,886 |
| Equity capital to assets | 13.3044% | 1,559 |
| Core capital (leverage) ratio | 13.6572% | 1,225 |
| Tier 1 risk-based capital ratio | 17.9932% | 2,027 |
| Total risk-based capital ratio | 19.2449% | 1,958 |
| Memoranda: | ||
| Average total assets | $124,796,330 | 4,516 |
| Average earning assets | $113,315,670 | 4,532 |
| Average equity | $16,090,330 | 3,902 |
| Average total loans | $88,375,000 | 4,321 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1340% | 1,813 |
| Cost of funding earning assets | 1.2044% | 7,289 |
| Net interest margin | 4.9295% | 476 |
| Noninterest income to average assets | 0.8429% | 2,111 |
| Noninterest expense to average assets | 5.0509% | 468 |
| Loan and lease loss provision to assets | 0.3319% | 3,334 |
| Net operating income to assets | 0.0365% | 6,172 |
| Return on assets (ROA) | 0.0365% | 6,322 |
| Pretax return on assets | -0.0033% | 6,382 |
| Return on Equity (ROE) | 0.2882% | 6,339 |
| Retained earnings to average equity (ytd only) | -6.0787% | 6,694 |
| Net charge-offs to loans | 0.7826% | 1,646 |
| Credit loss provision to net charge-offs | 58.1395% | 4,551 |
| Earnings coverage of net charge-offs (x) | 0.5756% | 4,533 |
| Efficiency ratio | 93.8927% | 1,438 |
| Assets per employee ($millions) | 1.7845% | 8,025 |
| Cash dividends to net income (ytd only)* | 2,209.0909% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6033% | 2,504 |
| Loan loss allowance to noncurrent loans | 31.4261% | 6,446 |
| Noncurrent assets plus other real estate owned to assets | 4.7279% | 990 |
| Noncurrent loans to loans | 5.1017% | 1,064 |
| Net loans and leases to total assets | 72.2258% | 3,195 |
| Net loans and leases to deposits | 90.0091% | 2,930 |
| Net loans and leases to core deposits | 113.9097% | 3,016 |
| Total domestic deposits to total assets | 80.2428% | 5,265 |
| Equity capital to assets | 12.5306% | 1,957 |
| Core capital (leverage) ratio | 12.4971% | 1,688 |
| Tier 1 risk-based capital ratio | 15.6878% | 2,791 |
| Total risk-based capital ratio | 16.9403% | 2,722 |
| Memoranda: | ||
| Average total assets | $120,532,500 | 4,639 |
| Average earning assets | $110,923,000 | 4,610 |
| Average equity | $15,266,500 | 4,089 |
| Average total loans | $87,917,000 | 4,362 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6294% | 2,347 |
| Cost of funding earning assets | 1.6089% | 7,428 |
| Net interest margin | 5.0205% | 486 |
| Noninterest income to average assets | 1.2018% | 1,036 |
| Noninterest expense to average assets | 4.9896% | 626 |
| Loan and lease loss provision to assets | 0.3381% | 3,690 |
| Net operating income to assets | 0.3077% | 5,515 |
| Return on assets (ROA) | 0.3088% | 5,328 |
| Pretax return on assets | 0.4571% | 5,104 |
| Return on Equity (ROE) | 2.4905% | 5,420 |
| Retained earnings to average equity (ytd only) | 1.2157% | 4,497 |
| Net charge-offs to loans | 0.3525% | 3,067 |
| Credit loss provision to net charge-offs | 140.2027% | 3,786 |
| Earnings coverage of net charge-offs (x) | 3.2905% | 4,437 |
| Efficiency ratio | 86.2778% | 1,827 |
| Assets per employee ($millions) | 1.7869% | 8,047 |
| Cash dividends to net income (ytd only)* | 51.1873% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7288% | 1,827 |
| Loan loss allowance to noncurrent loans | 25.7378% | 6,952 |
| Noncurrent assets plus other real estate owned to assets | 5.8001% | 533 |
| Noncurrent loans to loans | 6.7170% | 471 |
| Net loans and leases to total assets | 71.2192% | 3,744 |
| Net loans and leases to deposits | 88.2880% | 3,760 |
| Net loans and leases to core deposits | 111.9301% | 3,570 |
| Total domestic deposits to total assets | 80.6669% | 4,787 |
| Equity capital to assets | 12.8030% | 1,868 |
| Core capital (leverage) ratio | 12.3302% | 1,814 |
| Tier 1 risk-based capital ratio | 16.3368% | 2,542 |
| Total risk-based capital ratio | 17.5914% | 2,480 |
| Memoranda: | ||
| Average total assets | $122,734,400 | 4,453 |
| Average earning assets | $112,001,000 | 4,472 |
| Average equity | $15,217,600 | 4,095 |
| Average total loans | $83,979,000 | 4,397 |