Home > Calumet Bank > Performance and Condition Ratios
Calumet Bank, Performance and Condition Ratios
| 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 | 4.8438% | 1,784 |
| Cost of funding earning assets | 1.0371% | 1,419 |
| Net interest margin | 3.8067% | 2,503 |
| Noninterest income to average assets | 0.2992% | 3,879 |
| Noninterest expense to average assets | 2.2911% | 4,047 |
| Loan and lease loss provision to assets | 0.1274% | 1,373 |
| Net operating income to assets | 1.1292% | 2,353 |
| Return on assets (ROA) | 1.1292% | 2,400 |
| Pretax return on assets | 1.4303% | 1,989 |
| Return on Equity (ROE) | 11.7047% | 1,650 |
| Retained earnings to average equity (ytd only) | 11.7047% | 669 |
| Net charge-offs to loans | 0.5137% | 290 |
| Credit loss provision to net charge-offs | 38.3721% | 2,040 |
| Earnings coverage of net charge-offs (x) | 4.6919% | 2,311 |
| Efficiency ratio | 59.5286% | 3,877 |
| Assets per employee ($millions) | 6.6862% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 3,073 |
| Loan loss allowance to noncurrent loans | 446.3415% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 3,129 |
| Noncurrent loans to loans | 0.2485% | 3,675 |
| Net loans and leases to total assets | 62.9643% | 3,405 |
| Net loans and leases to deposits | 70.4337% | 3,741 |
| Net loans and leases to core deposits | 76.0173% | 3,661 |
| Total domestic deposits to total assets | 89.3951% | 695 |
| Equity capital to assets | 9.8493% | 3,970 |
| Core capital (leverage) ratio | 9.8624% | 3,749 |
| Tier 1 risk-based capital ratio | 13.1403% | 3,806 |
| Total risk-based capital ratio | 14.0698% | 3,867 |
| Memoranda: | ||
| Average total assets | $207,234,500 | 2,836 |
| Average earning assets | $193,237,000 | 2,821 |
| Average equity | $19,992,000 | 3,159 |
| Average total loans | $133,937,000 | 2,856 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 1,944 |
| Cost of funding earning assets | 0.7827% | 1,622 |
| Net interest margin | 3.8807% | 2,394 |
| Noninterest income to average assets | 0.3582% | 3,699 |
| Noninterest expense to average assets | 2.4045% | 3,867 |
| Loan and lease loss provision to assets | 0.0540% | 3,093 |
| Net operating income to assets | 1.1519% | 2,374 |
| Return on assets (ROA) | 1.1531% | 2,373 |
| Pretax return on assets | 1.5138% | 1,735 |
| Return on Equity (ROE) | 13.0398% | 1,334 |
| Retained earnings to average equity (ytd only) | 13.0398% | 230 |
| Net charge-offs to loans | 0.0971% | 1,791 |
| Credit loss provision to net charge-offs | 87.4016% | 2,756 |
| Earnings coverage of net charge-offs (x) | 25.3386% | 1,774 |
| Efficiency ratio | 60.5541% | 3,772 |
| Assets per employee ($millions) | 6.2787% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1552% | 2,801 |
| Loan loss allowance to noncurrent loans | 434.9030% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3837% | 3,024 |
| Noncurrent loans to loans | 0.2656% | 3,626 |
| Net loans and leases to total assets | 64.8333% | 3,271 |
| Net loans and leases to deposits | 73.6833% | 3,527 |
| Net loans and leases to core deposits | 78.5898% | 3,531 |
| Total domestic deposits to total assets | 87.9892% | 1,302 |
| Equity capital to assets | 9.4447% | 4,174 |
| Core capital (leverage) ratio | 9.2040% | 4,454 |
| Tier 1 risk-based capital ratio | 12.9099% | 3,897 |
| Total risk-based capital ratio | 13.8993% | 3,933 |
| Memoranda: | ||
| Average total assets | $205,447,600 | 2,810 |
| Average earning assets | $191,253,000 | 2,815 |
| Average equity | $18,167,400 | 3,280 |
| Average total loans | $130,758,600 | 2,869 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5308% | 2,190 |
| Cost of funding earning assets | 0.7120% | 1,788 |
| Net interest margin | 3.8188% | 2,576 |
| Noninterest income to average assets | 0.3746% | 3,635 |
| Noninterest expense to average assets | 2.4122% | 3,828 |
| Loan and lease loss provision to assets | 0.0345% | 3,323 |
| Net operating income to assets | 1.1541% | 2,424 |
| Return on assets (ROA) | 1.1557% | 2,428 |
| Pretax return on assets | 1.4841% | 1,953 |
| Return on Equity (ROE) | 13.2978% | 1,331 |
| Retained earnings to average equity (ytd only) | 13.2978% | 327 |
| Net charge-offs to loans | 0.0865% | 1,641 |
| Credit loss provision to net charge-offs | 63.0952% | 2,713 |
| Earnings coverage of net charge-offs (x) | 27.7613% | 1,697 |
| Efficiency ratio | 61.3971% | 3,601 |
| Assets per employee ($millions) | 6.9055% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1927% | 2,665 |
| Loan loss allowance to noncurrent loans | 400.7732% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 3,227 |
| Noncurrent loans to loans | 0.2976% | 3,610 |
| Net loans and leases to total assets | 56.5308% | 4,170 |
| Net loans and leases to deposits | 62.9855% | 4,393 |
| Net loans and leases to core deposits | 68.1156% | 4,291 |
| Total domestic deposits to total assets | 89.7521% | 583 |
| Equity capital to assets | 8.2148% | 5,077 |
| Core capital (leverage) ratio | 9.2615% | 4,443 |
| Tier 1 risk-based capital ratio | 12.6793% | 4,089 |
| Total risk-based capital ratio | 13.6679% | 4,132 |
| Memoranda: | ||
| Average total assets | $205,010,500 | 2,835 |
| Average earning assets | $190,807,750 | 2,835 |
| Average equity | $17,817,000 | 3,338 |
| Average total loans | $129,472,750 | 2,906 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5983% | 1,789 |
| Cost of funding earning assets | 0.6742% | 1,775 |
| Net interest margin | 3.9241% | 2,125 |
| Noninterest income to average assets | 0.4043% | 3,453 |
| Noninterest expense to average assets | 2.5088% | 3,609 |
| Loan and lease loss provision to assets | 0.0537% | 2,838 |
| Net operating income to assets | 1.1608% | 2,345 |
| Return on assets (ROA) | 1.1632% | 2,340 |
| Pretax return on assets | 1.4895% | 1,854 |
| Return on Equity (ROE) | 13.1080% | 1,336 |
| Retained earnings to average equity (ytd only) | 13.1080% | 366 |
| Net charge-offs to loans | 0.0883% | 1,460 |
| Credit loss provision to net charge-offs | 92.9825% | 2,132 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 1,593 |
| Efficiency ratio | 61.9620% | 3,631 |
| Assets per employee ($millions) | 6.3444% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1967% | 2,739 |
| Loan loss allowance to noncurrent loans | 429.8913% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 3,213 |
| Noncurrent loans to loans | 0.2784% | 3,708 |
| Net loans and leases to total assets | 62.3864% | 3,553 |
| Net loans and leases to deposits | 69.9971% | 3,858 |
| Net loans and leases to core deposits | 77.0282% | 3,659 |
| Total domestic deposits to total assets | 89.1272% | 884 |
| Equity capital to assets | 8.7703% | 4,745 |
| Core capital (leverage) ratio | 9.6827% | 3,906 |
| Tier 1 risk-based capital ratio | 12.7356% | 4,046 |
| Total risk-based capital ratio | 13.7787% | 4,063 |
| Memoranda: | ||
| Average total assets | $197,387,000 | 2,927 |
| Average earning assets | $183,327,670 | 2,927 |
| Average equity | $17,516,000 | 3,393 |
| Average total loans | $129,171,000 | 2,919 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 1,632 |
| Cost of funding earning assets | 0.6597% | 1,661 |
| Net interest margin | 3.9202% | 1,964 |
| Noninterest income to average assets | 0.4765% | 2,963 |
| Noninterest expense to average assets | 2.6103% | 3,309 |
| Loan and lease loss provision to assets | 0.0690% | 2,384 |
| Net operating income to assets | 1.1223% | 2,326 |
| Return on assets (ROA) | 1.1223% | 2,344 |
| Pretax return on assets | 1.4358% | 1,880 |
| Return on Equity (ROE) | 12.5665% | 1,390 |
| Retained earnings to average equity (ytd only) | 12.5665% | 587 |
| Net charge-offs to loans | 0.0282% | 1,932 |
| Credit loss provision to net charge-offs | 366.6667% | 720 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 703 |
| Efficiency ratio | 63.4332% | 3,571 |
| Assets per employee ($millions) | 6.1567% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,493 |
| Loan loss allowance to noncurrent loans | 321.3573% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 3,131 |
| Noncurrent loans to loans | 0.3903% | 3,389 |
| Net loans and leases to total assets | 64.3430% | 3,268 |
| Net loans and leases to deposits | 72.4490% | 3,558 |
| Net loans and leases to core deposits | 80.8336% | 3,259 |
| Total domestic deposits to total assets | 88.8114% | 1,201 |
| Equity capital to assets | 9.0329% | 4,524 |
| Core capital (leverage) ratio | 9.6715% | 3,878 |
| Tier 1 risk-based capital ratio | 12.8220% | 4,052 |
| Total risk-based capital ratio | 13.9291% | 4,027 |
| Memoranda: | ||
| Average total assets | $191,397,500 | 3,020 |
| Average earning assets | $177,644,000 | 3,015 |
| Average equity | $17,093,000 | 3,462 |
| Average total loans | $127,657,500 | 2,964 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4241% | 1,961 |
| Cost of funding earning assets | 0.6147% | 1,508 |
| Net interest margin | 3.8094% | 2,387 |
| Noninterest income to average assets | 0.4976% | 3,018 |
| Noninterest expense to average assets | 2.9088% | 2,423 |
| Loan and lease loss provision to assets | 0.1018% | 2,188 |
| Net operating income to assets | 0.4977% | 4,384 |
| Return on assets (ROA) | 0.5101% | 4,383 |
| Pretax return on assets | 1.0329% | 3,447 |
| Return on Equity (ROE) | 5.4877% | 3,972 |
| Retained earnings to average equity (ytd only) | 5.4877% | 1,823 |
| Net charge-offs to loans | -0.0203% | 4,963 |
| Credit loss provision to net charge-offs | -741.6667% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2854% | 2,179 |
| Assets per employee ($millions) | 5.6298% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2494% | 2,476 |
| Loan loss allowance to noncurrent loans | 398.4925% | 1,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 3,270 |
| Noncurrent loans to loans | 0.3135% | 3,658 |
| Net loans and leases to total assets | 67.4742% | 2,893 |
| Net loans and leases to deposits | 76.0862% | 3,320 |
| Net loans and leases to core deposits | 85.1007% | 2,977 |
| Total domestic deposits to total assets | 88.6814% | 1,158 |
| Equity capital to assets | 8.8222% | 4,878 |
| Core capital (leverage) ratio | 9.0315% | 4,613 |
| Tier 1 risk-based capital ratio | 12.0786% | 4,476 |
| Total risk-based capital ratio | 13.2228% | 4,434 |
| Memoranda: | ||
| Average total assets | $174,851,600 | 3,178 |
| Average earning assets | $161,863,000 | 3,175 |
| Average equity | $16,254,400 | 3,561 |
| Average total loans | $118,447,600 | 3,080 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 1,999 |
| Cost of funding earning assets | 0.5915% | 1,592 |
| Net interest margin | 3.7935% | 2,428 |
| Noninterest income to average assets | 0.4865% | 3,111 |
| Noninterest expense to average assets | 2.9196% | 2,338 |
| Loan and lease loss provision to assets | 0.1270% | 1,705 |
| Net operating income to assets | 0.6618% | 4,149 |
| Return on assets (ROA) | 0.6732% | 4,165 |
| Pretax return on assets | 0.9637% | 3,825 |
| Return on Equity (ROE) | 7.1431% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.1431% | 1,618 |
| Net charge-offs to loans | -0.0275% | 4,971 |
| Credit loss provision to net charge-offs | -683.3333% | 4,875 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0993% | 2,026 |
| Assets per employee ($millions) | 5.6322% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2847% | 2,438 |
| Loan loss allowance to noncurrent loans | 376.9784% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 3,324 |
| Noncurrent loans to loans | 0.3408% | 3,727 |
| Net loans and leases to total assets | 64.9918% | 3,252 |
| Net loans and leases to deposits | 73.2517% | 3,641 |
| Net loans and leases to core deposits | 79.1403% | 3,526 |
| Total domestic deposits to total assets | 88.7239% | 1,001 |
| Equity capital to assets | 8.9195% | 4,983 |
| Core capital (leverage) ratio | 9.3361% | 4,363 |
| Tier 1 risk-based capital ratio | 12.3492% | 4,407 |
| Total risk-based capital ratio | 13.5144% | 4,355 |
| Memoranda: | ||
| Average total assets | $172,119,000 | 3,242 |
| Average earning assets | $159,145,500 | 3,234 |
| Average equity | $16,220,500 | 3,601 |
| Average total loans | $116,324,250 | 3,128 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 1,972 |
| Cost of funding earning assets | 0.5730% | 1,624 |
| Net interest margin | 3.7781% | 2,369 |
| Noninterest income to average assets | 0.5217% | 2,889 |
| Noninterest expense to average assets | 2.9677% | 2,204 |
| Loan and lease loss provision to assets | 0.1373% | 1,509 |
| Net operating income to assets | 0.6341% | 4,143 |
| Return on assets (ROA) | 0.6458% | 4,151 |
| Pretax return on assets | 0.9204% | 3,866 |
| Return on Equity (ROE) | 6.7199% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.7199% | 1,728 |
| Net charge-offs to loans | -0.0420% | 5,096 |
| Credit loss provision to net charge-offs | -479.1667% | 4,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0322% | 2,013 |
| Assets per employee ($millions) | 5.2768% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,484 |
| Loan loss allowance to noncurrent loans | 363.4845% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4675% | 3,239 |
| Noncurrent loans to loans | 0.3539% | 3,761 |
| Net loans and leases to total assets | 67.1067% | 2,934 |
| Net loans and leases to deposits | 76.1249% | 3,327 |
| Net loans and leases to core deposits | 77.6536% | 3,629 |
| Total domestic deposits to total assets | 88.1535% | 1,381 |
| Equity capital to assets | 9.3634% | 4,551 |
| Core capital (leverage) ratio | 9.5755% | 4,049 |
| Tier 1 risk-based capital ratio | 12.5423% | 4,277 |
| Total risk-based capital ratio | 13.7119% | 4,216 |
| Memoranda: | ||
| Average total assets | $167,538,000 | 3,314 |
| Average earning assets | $154,630,000 | 3,310 |
| Average equity | $16,101,330 | 3,628 |
| Average total loans | $114,310,000 | 3,165 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0799% | 2,725 |
| Cost of funding earning assets | 0.5708% | 1,573 |
| Net interest margin | 3.5091% | 3,246 |
| Noninterest income to average assets | 0.5845% | 2,490 |
| Noninterest expense to average assets | 2.9542% | 2,288 |
| Loan and lease loss provision to assets | 0.1120% | 1,713 |
| Net operating income to assets | 0.5396% | 4,425 |
| Return on assets (ROA) | 0.5431% | 4,453 |
| Pretax return on assets | 0.7574% | 4,266 |
| Return on Equity (ROE) | 5.5752% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.5752% | 2,555 |
| Net charge-offs to loans | -0.0855% | 5,399 |
| Credit loss provision to net charge-offs | -191.6667% | 4,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3597% | 1,712 |
| Assets per employee ($millions) | 5.2528% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 2,895 |
| Loan loss allowance to noncurrent loans | 119.1803% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9626% | 1,912 |
| Noncurrent loans to loans | 1.0390% | 1,981 |
| Net loans and leases to total assets | 68.9908% | 2,533 |
| Net loans and leases to deposits | 77.4625% | 3,035 |
| Net loans and leases to core deposits | 78.1421% | 3,456 |
| Total domestic deposits to total assets | 89.0635% | 1,116 |
| Equity capital to assets | 9.6324% | 4,150 |
| Core capital (leverage) ratio | 9.8824% | 3,646 |
| Tier 1 risk-based capital ratio | 12.6693% | 4,284 |
| Total risk-based capital ratio | 13.7882% | 4,271 |
| Memoranda: | ||
| Average total assets | $164,239,000 | 3,381 |
| Average earning assets | $151,378,000 | 3,384 |
| Average equity | $15,999,500 | 3,664 |
| Average total loans | $112,275,000 | 3,214 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1956% | 2,500 |
| Cost of funding earning assets | 0.5783% | 1,494 |
| Net interest margin | 3.6173% | 3,009 |
| Noninterest income to average assets | 0.4684% | 3,418 |
| Noninterest expense to average assets | 2.9652% | 2,447 |
| Loan and lease loss provision to assets | 0.0078% | 4,206 |
| Net operating income to assets | 0.5652% | 4,365 |
| Return on assets (ROA) | 0.6128% | 4,272 |
| Pretax return on assets | 0.8813% | 3,908 |
| Return on Equity (ROE) | 5.8947% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.7321% | 2,526 |
| Net charge-offs to loans | -0.0039% | 4,769 |
| Credit loss provision to net charge-offs | -300.0000% | 5,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3126% | 1,653 |
| Assets per employee ($millions) | 5.0122% | 2,376 |
| Cash dividends to net income (ytd only)* | 19.7228% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2919% | 2,592 |
| Loan loss allowance to noncurrent loans | 102.8232% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0892% | 1,727 |
| Noncurrent loans to loans | 1.2564% | 1,633 |
| Net loans and leases to total assets | 65.9310% | 3,079 |
| Net loans and leases to deposits | 74.3507% | 3,477 |
| Net loans and leases to core deposits | 75.1699% | 3,823 |
| Total domestic deposits to total assets | 88.6757% | 1,282 |
| Equity capital to assets | 9.8560% | 3,874 |
| Core capital (leverage) ratio | 10.1715% | 3,266 |
| Tier 1 risk-based capital ratio | 13.8016% | 3,581 |
| Total risk-based capital ratio | 14.9777% | 3,536 |
| Memoranda: | ||
| Average total assets | $153,073,600 | 3,469 |
| Average earning assets | $140,407,400 | 3,489 |
| Average equity | $15,912,600 | 3,700 |
| Average total loans | $103,700,000 | 3,319 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 2,599 |
| Cost of funding earning assets | 0.5751% | 1,517 |
| Net interest margin | 3.5979% | 3,081 |
| Noninterest income to average assets | 0.4566% | 3,510 |
| Noninterest expense to average assets | 2.9126% | 2,608 |
| Loan and lease loss provision to assets | -0.0212% | 5,673 |
| Net operating income to assets | 0.5942% | 4,316 |
| Return on assets (ROA) | 0.6453% | 4,224 |
| Pretax return on assets | 0.9371% | 3,855 |
| Return on Equity (ROE) | 6.1233% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.0396% | 2,171 |
| Net charge-offs to loans | -0.0039% | 4,570 |
| Credit loss provision to net charge-offs | 800.0000% | 505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5769% | 1,755 |
| Assets per employee ($millions) | 5.3951% | 1,958 |
| Cash dividends to net income (ytd only)* | 1.3658% | 3,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 2,900 |
| Loan loss allowance to noncurrent loans | 79.8459% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.5001% | 1,198 |
| Noncurrent loans to loans | 1.5776% | 1,372 |
| Net loans and leases to total assets | 67.4867% | 2,879 |
| Net loans and leases to deposits | 78.9693% | 3,083 |
| Net loans and leases to core deposits | 79.8966% | 3,453 |
| Total domestic deposits to total assets | 85.4594% | 2,620 |
| Equity capital to assets | 10.4833% | 3,585 |
| Core capital (leverage) ratio | 10.3432% | 3,168 |
| Tier 1 risk-based capital ratio | 13.7082% | 3,737 |
| Total risk-based capital ratio | 14.8474% | 3,714 |
| Memoranda: | ||
| Average total assets | $151,244,750 | 3,520 |
| Average earning assets | $138,632,500 | 3,536 |
| Average equity | $15,938,750 | 3,730 |
| Average total loans | $102,842,500 | 3,348 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 2,635 |
| Cost of funding earning assets | 0.5698% | 1,548 |
| Net interest margin | 3.5914% | 3,130 |
| Noninterest income to average assets | 0.4548% | 3,491 |
| Noninterest expense to average assets | 2.9270% | 2,594 |
| Loan and lease loss provision to assets | -0.0535% | 5,826 |
| Net operating income to assets | 0.5938% | 4,304 |
| Return on assets (ROA) | 0.6702% | 4,094 |
| Pretax return on assets | 0.9819% | 3,653 |
| Return on Equity (ROE) | 6.3481% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.2214% | 2,006 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1987% | 1,756 |
| Assets per employee ($millions) | 5.5195% | 1,783 |
| Cash dividends to net income (ytd only)* | 1.9960% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,861 |
| Loan loss allowance to noncurrent loans | 77.7518% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.5400% | 1,228 |
| Noncurrent loans to loans | 1.6543% | 1,285 |
| Net loans and leases to total assets | 65.9452% | 3,093 |
| Net loans and leases to deposits | 76.0344% | 3,377 |
| Net loans and leases to core deposits | 76.9257% | 3,744 |
| Total domestic deposits to total assets | 86.7307% | 2,047 |
| Equity capital to assets | 10.4364% | 3,707 |
| Core capital (leverage) ratio | 10.5548% | 2,909 |
| Tier 1 risk-based capital ratio | 14.1037% | 3,545 |
| Total risk-based capital ratio | 15.2757% | 3,509 |
| Memoranda: | ||
| Average total assets | $149,506,670 | 3,568 |
| Average earning assets | $136,883,000 | 3,581 |
| Average equity | $15,784,330 | 3,765 |
| Average total loans | $101,478,000 | 3,379 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 2,494 |
| Cost of funding earning assets | 0.5627% | 1,601 |
| Net interest margin | 3.6320% | 2,956 |
| Noninterest income to average assets | 0.4490% | 3,491 |
| Noninterest expense to average assets | 2.9690% | 2,487 |
| Loan and lease loss provision to assets | -0.1742% | 6,014 |
| Net operating income to assets | 0.6612% | 3,924 |
| Return on assets (ROA) | 0.7130% | 3,769 |
| Pretax return on assets | 1.0504% | 3,275 |
| Return on Equity (ROE) | 6.7128% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.7128% | 2,022 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7726% | 1,788 |
| Assets per employee ($millions) | 5.4446% | 1,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,894 |
| Loan loss allowance to noncurrent loans | 78.8869% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.5836% | 1,265 |
| Noncurrent loans to loans | 1.6480% | 1,380 |
| Net loans and leases to total assets | 67.3446% | 2,756 |
| Net loans and leases to deposits | 76.8252% | 3,126 |
| Net loans and leases to core deposits | 77.8571% | 3,504 |
| Total domestic deposits to total assets | 87.6596% | 1,822 |
| Equity capital to assets | 10.7622% | 3,194 |
| Core capital (leverage) ratio | 10.5878% | 2,864 |
| Tier 1 risk-based capital ratio | 14.6274% | 3,326 |
| Total risk-based capital ratio | 15.8399% | 3,281 |
| Memoranda: | ||
| Average total assets | $146,987,500 | 3,622 |
| Average earning assets | $134,360,000 | 3,649 |
| Average equity | $15,612,000 | 3,795 |
| Average total loans | $100,595,500 | 3,412 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2592% | 2,353 |
| Cost of funding earning assets | 0.5776% | 1,520 |
| Net interest margin | 3.6816% | 2,820 |
| Noninterest income to average assets | 0.4250% | 3,853 |
| Noninterest expense to average assets | 3.3564% | 1,590 |
| Loan and lease loss provision to assets | 0.0736% | 2,798 |
| Net operating income to assets | 0.2811% | 5,407 |
| Return on assets (ROA) | 0.2772% | 5,497 |
| Pretax return on assets | 0.3398% | 5,439 |
| Return on Equity (ROE) | 2.6498% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.3868% | 4,358 |
| Net charge-offs to loans | 0.0485% | 3,229 |
| Credit loss provision to net charge-offs | 218.3673% | 1,297 |
| Earnings coverage of net charge-offs (x) | 12.4082% | 2,469 |
| Efficiency ratio | 88.9213% | 766 |
| Assets per employee ($millions) | 4.5928% | 2,888 |
| Cash dividends to net income (ytd only)* | 9.9256% | 4,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,640 |
| Loan loss allowance to noncurrent loans | 177.2021% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 2,204 |
| Noncurrent loans to loans | 0.7652% | 2,885 |
| Net loans and leases to total assets | 67.7138% | 2,749 |
| Net loans and leases to deposits | 76.9473% | 3,163 |
| Net loans and leases to core deposits | 78.1632% | 3,531 |
| Total domestic deposits to total assets | 88.0003% | 1,630 |
| Equity capital to assets | 10.4804% | 3,382 |
| Core capital (leverage) ratio | 10.0686% | 3,412 |
| Tier 1 risk-based capital ratio | 14.3867% | 3,501 |
| Total risk-based capital ratio | 15.6367% | 3,415 |
| Memoranda: | ||
| Average total assets | $145,395,400 | 3,640 |
| Average earning assets | $132,277,800 | 3,655 |
| Average equity | $15,208,800 | 3,805 |
| Average total loans | $101,000,000 | 3,366 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 2,423 |
| Cost of funding earning assets | 0.5644% | 1,673 |
| Net interest margin | 3.6809% | 2,843 |
| Noninterest income to average assets | 0.4092% | 4,014 |
| Noninterest expense to average assets | 3.2946% | 1,703 |
| Loan and lease loss provision to assets | 0.0984% | 2,211 |
| Net operating income to assets | 0.2696% | 5,537 |
| Return on assets (ROA) | 0.2676% | 5,617 |
| Pretax return on assets | 0.3595% | 5,540 |
| Return on Equity (ROE) | 2.5593% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.2954% | 4,740 |
| Net charge-offs to loans | 0.0647% | 2,654 |
| Credit loss provision to net charge-offs | 218.3673% | 1,248 |
| Earnings coverage of net charge-offs (x) | 10.2247% | 2,615 |
| Efficiency ratio | 87.7326% | 866 |
| Assets per employee ($millions) | 4.6377% | 2,783 |
| Cash dividends to net income (ytd only)* | 10.3095% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 2,907 |
| Loan loss allowance to noncurrent loans | 78.9383% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.6636% | 1,308 |
| Noncurrent loans to loans | 1.6968% | 1,426 |
| Net loans and leases to total assets | 65.8392% | 3,040 |
| Net loans and leases to deposits | 74.9524% | 3,426 |
| Net loans and leases to core deposits | 76.0900% | 3,792 |
| Total domestic deposits to total assets | 87.8414% | 1,637 |
| Equity capital to assets | 10.0520% | 4,094 |
| Core capital (leverage) ratio | 10.2581% | 3,302 |
| Tier 1 risk-based capital ratio | 14.2768% | 3,684 |
| Total risk-based capital ratio | 15.5281% | 3,611 |
| Memoranda: | ||
| Average total assets | $145,001,750 | 3,682 |
| Average earning assets | $131,811,750 | 3,697 |
| Average equity | $15,160,250 | 3,848 |
| Average total loans | $101,028,250 | 3,406 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 2,237 |
| Cost of funding earning assets | 0.5492% | 1,824 |
| Net interest margin | 3.7313% | 2,573 |
| Noninterest income to average assets | 0.4117% | 3,993 |
| Noninterest expense to average assets | 3.3319% | 1,625 |
| Loan and lease loss provision to assets | 0.1504% | 1,419 |
| Net operating income to assets | 0.2403% | 5,604 |
| Return on assets (ROA) | 0.2403% | 5,674 |
| Pretax return on assets | 0.3190% | 5,626 |
| Return on Equity (ROE) | 2.2671% | 5,625 |
| Retained earnings to average equity (ytd only) | 1.8693% | 4,760 |
| Net charge-offs to loans | 0.0378% | 2,925 |
| Credit loss provision to net charge-offs | 563.1579% | 579 |
| Earnings coverage of net charge-offs (x) | 17.5789% | 1,849 |
| Efficiency ratio | 87.6525% | 930 |
| Assets per employee ($millions) | 4.4710% | 3,031 |
| Cash dividends to net income (ytd only)* | 17.5439% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 2,805 |
| Loan loss allowance to noncurrent loans | 158.3239% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.1265% | 2,258 |
| Noncurrent loans to loans | 0.8781% | 2,934 |
| Net loans and leases to total assets | 67.2096% | 2,768 |
| Net loans and leases to deposits | 76.7486% | 3,185 |
| Net loans and leases to core deposits | 77.7712% | 3,603 |
| Total domestic deposits to total assets | 87.5711% | 1,867 |
| Equity capital to assets | 10.2634% | 3,733 |
| Core capital (leverage) ratio | 10.7870% | 2,630 |
| Tier 1 risk-based capital ratio | 14.6671% | 3,543 |
| Total risk-based capital ratio | 15.9181% | 3,472 |
| Memoranda: | ||
| Average total assets | $142,321,000 | 3,749 |
| Average earning assets | $129,283,000 | 3,769 |
| Average equity | $15,085,670 | 3,873 |
| Average total loans | $100,660,670 | 3,431 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 1,950 |
| Cost of funding earning assets | 0.5533% | 1,814 |
| Net interest margin | 3.7940% | 2,248 |
| Noninterest income to average assets | 0.4123% | 3,901 |
| Noninterest expense to average assets | 3.5731% | 1,174 |
| Loan and lease loss provision to assets | 0.1832% | 1,039 |
| Net operating income to assets | 0.0838% | 5,903 |
| Return on assets (ROA) | 0.0916% | 5,947 |
| Pretax return on assets | 0.1002% | 5,946 |
| Return on Equity (ROE) | 0.8501% | 5,942 |
| Retained earnings to average equity (ytd only) | 0.0531% | 5,357 |
| Net charge-offs to loans | 0.0755% | 1,954 |
| Credit loss provision to net charge-offs | 336.8421% | 747 |
| Earnings coverage of net charge-offs (x) | 5.0526% | 2,424 |
| Efficiency ratio | 92.8571% | 660 |
| Assets per employee ($millions) | 4.0243% | 3,910 |
| Cash dividends to net income (ytd only)* | 93.7500% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 3,202 |
| Loan loss allowance to noncurrent loans | 99.4131% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.6481% | 1,536 |
| Noncurrent loans to loans | 1.3459% | 2,136 |
| Net loans and leases to total assets | 73.0221% | 1,650 |
| Net loans and leases to deposits | 84.3142% | 2,025 |
| Net loans and leases to core deposits | 85.5399% | 2,599 |
| Total domestic deposits to total assets | 86.6072% | 2,601 |
| Equity capital to assets | 11.0570% | 2,911 |
| Core capital (leverage) ratio | 10.8469% | 2,577 |
| Tier 1 risk-based capital ratio | 14.1038% | 3,942 |
| Total risk-based capital ratio | 15.3541% | 3,869 |
| Memoranda: | ||
| Average total assets | $139,710,000 | 3,816 |
| Average earning assets | $126,515,000 | 3,855 |
| Average equity | $15,057,000 | 3,903 |
| Average total loans | $100,710,500 | 3,442 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4797% | 1,957 |
| Cost of funding earning assets | 0.5360% | 2,325 |
| Net interest margin | 3.9437% | 2,074 |
| Noninterest income to average assets | 0.4718% | 3,697 |
| Noninterest expense to average assets | 3.4003% | 1,698 |
| Loan and lease loss provision to assets | 0.1680% | 1,556 |
| Net operating income to assets | 0.3315% | 5,437 |
| Return on assets (ROA) | 0.3280% | 5,513 |
| Pretax return on assets | 0.4725% | 5,315 |
| Return on Equity (ROE) | 2.9718% | 5,490 |
| Retained earnings to average equity (ytd only) | -0.3524% | 5,827 |
| Net charge-offs to loans | 0.1902% | 2,145 |
| Credit loss provision to net charge-offs | 126.5193% | 1,891 |
| Earnings coverage of net charge-offs (x) | 4.8619% | 3,547 |
| Efficiency ratio | 84.0406% | 1,406 |
| Assets per employee ($millions) | 4.0741% | 3,776 |
| Cash dividends to net income (ytd only)* | 111.8568% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3080% | 3,376 |
| Loan loss allowance to noncurrent loans | 106.4175% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.4440% | 1,906 |
| Noncurrent loans to loans | 1.2291% | 2,394 |
| Net loans and leases to total assets | 69.3176% | 2,335 |
| Net loans and leases to deposits | 79.5036% | 2,785 |
| Net loans and leases to core deposits | 81.0014% | 3,198 |
| Total domestic deposits to total assets | 87.1880% | 2,173 |
| Equity capital to assets | 10.5089% | 3,467 |
| Core capital (leverage) ratio | 10.5807% | 2,861 |
| Tier 1 risk-based capital ratio | 14.5156% | 3,767 |
| Total risk-based capital ratio | 15.7660% | 3,707 |
| Memoranda: | ||
| Average total assets | $136,282,400 | 3,872 |
| Average earning assets | $123,512,600 | 3,892 |
| Average equity | $15,041,600 | 3,824 |
| Average total loans | $95,153,000 | 3,520 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4912% | 1,902 |
| Cost of funding earning assets | 0.5273% | 2,494 |
| Net interest margin | 3.9639% | 1,982 |
| Noninterest income to average assets | 0.4603% | 3,819 |
| Noninterest expense to average assets | 3.2525% | 2,025 |
| Loan and lease loss provision to assets | 0.1831% | 1,337 |
| Net operating income to assets | 0.4294% | 5,147 |
| Return on assets (ROA) | 0.4246% | 5,237 |
| Pretax return on assets | 0.6117% | 4,992 |
| Return on Equity (ROE) | 3.7991% | 5,253 |
| Retained earnings to average equity (ytd only) | 3.7991% | 3,952 |
| Net charge-offs to loans | 0.2286% | 1,674 |
| Credit loss provision to net charge-offs | 114.9068% | 1,977 |
| Earnings coverage of net charge-offs (x) | 5.0311% | 3,333 |
| Efficiency ratio | 80.2246% | 1,876 |
| Assets per employee ($millions) | 4.0036% | 3,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 3,591 |
| Loan loss allowance to noncurrent loans | 186.6473% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.2853% | 2,400 |
| Noncurrent loans to loans | 0.7026% | 3,851 |
| Net loans and leases to total assets | 69.0705% | 2,354 |
| Net loans and leases to deposits | 79.6768% | 2,743 |
| Net loans and leases to core deposits | 81.2118% | 3,180 |
| Total domestic deposits to total assets | 86.6883% | 2,483 |
| Equity capital to assets | 10.9752% | 2,983 |
| Core capital (leverage) ratio | 11.1757% | 2,330 |
| Tier 1 risk-based capital ratio | 14.9185% | 3,637 |
| Total risk-based capital ratio | 16.1482% | 3,580 |
| Memoranda: | ||
| Average total assets | $134,704,750 | 3,923 |
| Average earning assets | $122,131,750 | 3,946 |
| Average equity | $15,055,750 | 3,847 |
| Average total loans | $93,903,250 | 3,586 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 1,739 |
| Cost of funding earning assets | 0.5086% | 2,744 |
| Net interest margin | 4.0209% | 1,757 |
| Noninterest income to average assets | 0.3898% | 4,315 |
| Noninterest expense to average assets | 3.2356% | 2,083 |
| Loan and lease loss provision to assets | 0.2483% | 888 |
| Net operating income to assets | 0.3901% | 5,261 |
| Return on assets (ROA) | 0.3838% | 5,353 |
| Pretax return on assets | 0.5493% | 5,135 |
| Return on Equity (ROE) | 3.4118% | 5,379 |
| Retained earnings to average equity (ytd only) | 3.4118% | 4,030 |
| Net charge-offs to loans | 0.4237% | 964 |
| Credit loss provision to net charge-offs | 84.1837% | 2,275 |
| Earnings coverage of net charge-offs (x) | 2.7347% | 3,479 |
| Efficiency ratio | 80.0447% | 2,021 |
| Assets per employee ($millions) | 4.6086% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 3,876 |
| Loan loss allowance to noncurrent loans | 50.4095% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 1.9543% | 1,649 |
| Noncurrent loans to loans | 2.5679% | 1,201 |
| Net loans and leases to total assets | 67.8929% | 2,425 |
| Net loans and leases to deposits | 78.2860% | 2,760 |
| Net loans and leases to core deposits | 80.2586% | 3,185 |
| Total domestic deposits to total assets | 86.7242% | 2,619 |
| Equity capital to assets | 11.0185% | 2,858 |
| Core capital (leverage) ratio | 11.0922% | 2,339 |
| Tier 1 risk-based capital ratio | 15.6263% | 3,279 |
| Total risk-based capital ratio | 16.8737% | 3,229 |
| Memoranda: | ||
| Average total assets | $132,898,000 | 3,978 |
| Average earning assets | $120,720,670 | 3,992 |
| Average equity | $14,948,000 | 3,866 |
| Average total loans | $92,514,000 | 3,624 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4360% | 2,007 |
| Cost of funding earning assets | 0.4842% | 3,070 |
| Net interest margin | 3.9518% | 1,924 |
| Noninterest income to average assets | 0.3471% | 4,597 |
| Noninterest expense to average assets | 3.2499% | 2,071 |
| Loan and lease loss provision to assets | 0.1997% | 1,168 |
| Net operating income to assets | 0.3364% | 5,367 |
| Return on assets (ROA) | 0.3256% | 5,459 |
| Pretax return on assets | 0.4669% | 5,263 |
| Return on Equity (ROE) | 2.8639% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.8639% | 4,376 |
| Net charge-offs to loans | -0.0175% | 5,294 |
| Credit loss provision to net charge-offs | -1,625.0000% | 5,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6563% | 1,845 |
| Assets per employee ($millions) | 3.9802% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4774% | 3,252 |
| Loan loss allowance to noncurrent loans | 56.5180% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.7624% | 1,993 |
| Noncurrent loans to loans | 2.6140% | 1,313 |
| Net loans and leases to total assets | 65.5898% | 2,628 |
| Net loans and leases to deposits | 75.6989% | 2,842 |
| Net loans and leases to core deposits | 77.6505% | 3,237 |
| Total domestic deposits to total assets | 86.6456% | 3,015 |
| Equity capital to assets | 11.0341% | 2,687 |
| Core capital (leverage) ratio | 11.5931% | 1,903 |
| Tier 1 risk-based capital ratio | 16.2920% | 3,014 |
| Total risk-based capital ratio | 17.5440% | 2,978 |
| Memoranda: | ||
| Average total assets | $130,217,500 | 4,063 |
| Average earning assets | $118,123,500 | 4,092 |
| Average equity | $14,805,000 | 3,895 |
| Average total loans | $91,221,500 | 3,679 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5995% | 1,877 |
| Cost of funding earning assets | 0.4518% | 4,093 |
| Net interest margin | 4.1477% | 1,512 |
| Noninterest income to average assets | 0.4392% | 4,169 |
| Noninterest expense to average assets | 2.8216% | 3,649 |
| Loan and lease loss provision to assets | 0.1646% | 2,215 |
| Net operating income to assets | 0.8054% | 3,268 |
| Return on assets (ROA) | 0.8054% | 3,365 |
| Pretax return on assets | 1.1828% | 2,646 |
| Return on Equity (ROE) | 6.9849% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.9849% | 1,440 |
| Net charge-offs to loans | 0.0903% | 3,942 |
| Credit loss provision to net charge-offs | 259.4937% | 873 |
| Earnings coverage of net charge-offs (x) | 21.2405% | 1,501 |
| Efficiency ratio | 67.6810% | 4,259 |
| Assets per employee ($millions) | 4.4682% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 3,815 |
| Loan loss allowance to noncurrent loans | 52.4522% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.9495% | 1,852 |
| Noncurrent loans to loans | 2.6052% | 1,435 |
| Net loans and leases to total assets | 72.8085% | 1,546 |
| Net loans and leases to deposits | 84.8707% | 1,825 |
| Net loans and leases to core deposits | 86.8392% | 2,366 |
| Total domestic deposits to total assets | 85.7876% | 3,365 |
| Equity capital to assets | 11.7322% | 2,002 |
| Core capital (leverage) ratio | 11.8996% | 1,677 |
| Tier 1 risk-based capital ratio | 16.0337% | 3,079 |
| Total risk-based capital ratio | 17.2855% | 3,033 |
| Memoranda: | ||
| Average total assets | $124,539,400 | 4,169 |
| Average earning assets | $111,989,400 | 4,222 |
| Average equity | $14,359,600 | 3,994 |
| Average total loans | $87,519,400 | 3,748 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5399% | 2,078 |
| Cost of funding earning assets | 0.4418% | 4,364 |
| Net interest margin | 4.0981% | 1,638 |
| Noninterest income to average assets | 0.4652% | 4,035 |
| Noninterest expense to average assets | 2.7835% | 3,719 |
| Loan and lease loss provision to assets | 0.1929% | 1,890 |
| Net operating income to assets | 0.7953% | 3,375 |
| Return on assets (ROA) | 0.7953% | 3,502 |
| Pretax return on assets | 1.1672% | 2,820 |
| Return on Equity (ROE) | 6.9279% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.9279% | 1,916 |
| Net charge-offs to loans | 0.0695% | 3,935 |
| Credit loss provision to net charge-offs | 400.0000% | 664 |
| Earnings coverage of net charge-offs (x) | 28.1993% | 1,289 |
| Efficiency ratio | 67.1754% | 4,266 |
| Assets per employee ($millions) | 4.4469% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4092% | 3,855 |
| Loan loss allowance to noncurrent loans | 73.3410% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4207% | 2,826 |
| Noncurrent loans to loans | 1.9215% | 2,337 |
| Net loans and leases to total assets | 71.4150% | 1,700 |
| Net loans and leases to deposits | 84.5313% | 1,809 |
| Net loans and leases to core deposits | 86.7607% | 2,311 |
| Total domestic deposits to total assets | 84.4835% | 3,988 |
| Equity capital to assets | 11.6341% | 2,181 |
| Core capital (leverage) ratio | 11.8095% | 1,808 |
| Tier 1 risk-based capital ratio | 16.0177% | 3,183 |
| Total risk-based capital ratio | 17.2651% | 3,141 |
| Memoranda: | ||
| Average total assets | $124,397,000 | 4,215 |
| Average earning assets | $111,660,000 | 4,266 |
| Average equity | $14,280,000 | 4,062 |
| Average total loans | $86,311,250 | 3,803 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 2,169 |
| Cost of funding earning assets | 0.4387% | 4,561 |
| Net interest margin | 4.0704% | 1,631 |
| Noninterest income to average assets | 0.4214% | 4,368 |
| Noninterest expense to average assets | 2.7389% | 3,894 |
| Loan and lease loss provision to assets | 0.1930% | 1,968 |
| Net operating income to assets | 0.7720% | 3,453 |
| Return on assets (ROA) | 0.7720% | 3,606 |
| Pretax return on assets | 1.1306% | 2,971 |
| Return on Equity (ROE) | 6.7552% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.7552% | 1,999 |
| Net charge-offs to loans | -0.0024% | 5,544 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4188% | 4,279 |
| Assets per employee ($millions) | 4.9923% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 3,889 |
| Loan loss allowance to noncurrent loans | 68.1104% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.5111% | 2,835 |
| Noncurrent loans to loans | 2.1012% | 2,278 |
| Net loans and leases to total assets | 69.4234% | 1,991 |
| Net loans and leases to deposits | 80.6715% | 2,225 |
| Net loans and leases to core deposits | 82.9553% | 2,700 |
| Total domestic deposits to total assets | 86.0570% | 3,332 |
| Equity capital to assets | 11.3494% | 2,424 |
| Core capital (leverage) ratio | 11.5916% | 1,860 |
| Tier 1 risk-based capital ratio | 15.8521% | 3,289 |
| Total risk-based capital ratio | 17.1038% | 3,234 |
| Memoranda: | ||
| Average total assets | $124,358,330 | 4,252 |
| Average earning assets | $111,241,330 | 4,308 |
| Average equity | $14,211,330 | 4,109 |
| Average total loans | $85,017,670 | 3,851 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 2,382 |
| Cost of funding earning assets | 0.4427% | 4,675 |
| Net interest margin | 3.9989% | 1,788 |
| Noninterest income to average assets | 0.3351% | 5,018 |
| Noninterest expense to average assets | 2.7519% | 3,863 |
| Loan and lease loss provision to assets | 0.1933% | 1,913 |
| Net operating income to assets | 0.6541% | 3,938 |
| Return on assets (ROA) | 0.6541% | 4,094 |
| Pretax return on assets | 0.9409% | 3,611 |
| Return on Equity (ROE) | 5.7045% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.7045% | 2,838 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8126% | 3,819 |
| Assets per employee ($millions) | 4.4847% | 3,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4432% | 4,039 |
| Loan loss allowance to noncurrent loans | 52.3622% | 5,060 |
| Noncurrent assets plus other real estate owned to assets | 1.8539% | 2,541 |
| Noncurrent loans to loans | 2.7561% | 1,845 |
| Net loans and leases to total assets | 65.0989% | 2,528 |
| Net loans and leases to deposits | 75.7097% | 2,686 |
| Net loans and leases to core deposits | 78.4390% | 3,002 |
| Total domestic deposits to total assets | 85.9849% | 3,533 |
| Equity capital to assets | 11.4166% | 2,496 |
| Core capital (leverage) ratio | 11.5517% | 1,844 |
| Tier 1 risk-based capital ratio | 16.3721% | 3,078 |
| Total risk-based capital ratio | 17.6235% | 3,024 |
| Memoranda: | ||
| Average total assets | $124,133,500 | 4,302 |
| Average earning assets | $110,231,500 | 4,365 |
| Average equity | $14,234,500 | 4,154 |
| Average total loans | $83,574,500 | 3,910 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6297% | 2,879 |
| Cost of funding earning assets | 0.5425% | 4,881 |
| Net interest margin | 4.0872% | 2,053 |
| Noninterest income to average assets | 0.4560% | 4,209 |
| Noninterest expense to average assets | 3.2275% | 2,524 |
| Loan and lease loss provision to assets | 0.1948% | 3,201 |
| Net operating income to assets | 0.4979% | 4,704 |
| Return on assets (ROA) | 0.7336% | 3,833 |
| Pretax return on assets | 1.0939% | 3,180 |
| Return on Equity (ROE) | 6.1922% | 4,066 |
| Retained earnings to average equity (ytd only) | 6.1922% | 1,975 |
| Net charge-offs to loans | 0.1628% | 4,076 |
| Credit loss provision to net charge-offs | 182.2581% | 1,443 |
| Earnings coverage of net charge-offs (x) | 8.7661% | 2,358 |
| Efficiency ratio | 77.4995% | 2,520 |
| Assets per employee ($millions) | 4.7190% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 4,403 |
| Loan loss allowance to noncurrent loans | 48.9453% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 1.9300% | 2,536 |
| Noncurrent loans to loans | 2.7587% | 1,917 |
| Net loans and leases to total assets | 67.7037% | 2,238 |
| Net loans and leases to deposits | 78.9742% | 2,406 |
| Net loans and leases to core deposits | 81.3549% | 2,842 |
| Total domestic deposits to total assets | 85.7288% | 3,501 |
| Equity capital to assets | 11.5188% | 2,427 |
| Core capital (leverage) ratio | 11.7540% | 1,703 |
| Tier 1 risk-based capital ratio | 15.8749% | 3,232 |
| Total risk-based capital ratio | 17.1237% | 3,190 |
| Memoranda: | ||
| Average total assets | $116,004,000 | 4,438 |
| Average earning assets | $105,255,600 | 4,465 |
| Average equity | $13,743,000 | 4,216 |
| Average total loans | $76,182,000 | 4,146 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 3,099 |
| Cost of funding earning assets | 0.5661% | 4,951 |
| Net interest margin | 4.0639% | 2,238 |
| Noninterest income to average assets | 0.4991% | 3,937 |
| Noninterest expense to average assets | 3.4215% | 1,952 |
| Loan and lease loss provision to assets | 0.1843% | 3,283 |
| Net operating income to assets | 0.3759% | 5,348 |
| Return on assets (ROA) | 0.5819% | 4,745 |
| Pretax return on assets | 0.9236% | 4,015 |
| Return on Equity (ROE) | 4.8757% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.8757% | 3,458 |
| Net charge-offs to loans | 0.1941% | 3,565 |
| Credit loss provision to net charge-offs | 146.2963% | 1,948 |
| Earnings coverage of net charge-offs (x) | 6.2406% | 2,827 |
| Efficiency ratio | 81.3193% | 1,896 |
| Assets per employee ($millions) | 4.5843% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 4,288 |
| Loan loss allowance to noncurrent loans | 49.5887% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 1.9510% | 2,711 |
| Noncurrent loans to loans | 2.8630% | 1,965 |
| Net loans and leases to total assets | 65.7345% | 2,706 |
| Net loans and leases to deposits | 77.4116% | 2,741 |
| Net loans and leases to core deposits | 79.7234% | 3,237 |
| Total domestic deposits to total assets | 84.9155% | 3,778 |
| Equity capital to assets | 12.1588% | 2,143 |
| Core capital (leverage) ratio | 11.8243% | 1,761 |
| Tier 1 risk-based capital ratio | 17.2173% | 2,642 |
| Total risk-based capital ratio | 18.4690% | 2,594 |
| Memoranda: | ||
| Average total assets | $114,331,250 | 4,526 |
| Average earning assets | $104,330,500 | 4,530 |
| Average equity | $13,645,500 | 4,275 |
| Average total loans | $74,176,000 | 4,254 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6292% | 3,229 |
| Cost of funding earning assets | 0.6122% | 4,787 |
| Net interest margin | 4.0170% | 2,430 |
| Noninterest income to average assets | 0.4517% | 4,276 |
| Noninterest expense to average assets | 2.9500% | 3,442 |
| Loan and lease loss provision to assets | 0.2784% | 2,359 |
| Net operating income to assets | 0.5451% | 4,603 |
| Return on assets (ROA) | 0.7143% | 4,055 |
| Pretax return on assets | 1.1520% | 3,113 |
| Return on Equity (ROE) | 6.0226% | 4,318 |
| Retained earnings to average equity (ytd only) | 6.0226% | 2,704 |
| Net charge-offs to loans | -0.0027% | 6,108 |
| Credit loss provision to net charge-offs | -15,900.0000% | 6,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6716% | 3,487 |
| Assets per employee ($millions) | 4.3406% | 3,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 3,630 |
| Loan loss allowance to noncurrent loans | 40.5910% | 5,629 |
| Noncurrent assets plus other real estate owned to assets | 2.6538% | 2,082 |
| Noncurrent loans to loans | 3.9243% | 1,416 |
| Net loans and leases to total assets | 65.4152% | 2,787 |
| Net loans and leases to deposits | 76.9676% | 2,840 |
| Net loans and leases to core deposits | 79.3698% | 3,309 |
| Total domestic deposits to total assets | 84.9906% | 3,871 |
| Equity capital to assets | 12.2306% | 1,987 |
| Core capital (leverage) ratio | 11.9507% | 1,624 |
| Tier 1 risk-based capital ratio | 17.7690% | 2,377 |
| Total risk-based capital ratio | 19.0226% | 2,344 |
| Memoranda: | ||
| Average total assets | $114,239,000 | 4,559 |
| Average earning assets | $104,207,330 | 4,564 |
| Average equity | $13,549,000 | 4,292 |
| Average total loans | $73,427,330 | 4,300 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 3,444 |
| Cost of funding earning assets | 0.6793% | 4,473 |
| Net interest margin | 3.9343% | 2,790 |
| Noninterest income to average assets | 0.6021% | 3,222 |
| Noninterest expense to average assets | 2.8539% | 3,806 |
| Loan and lease loss provision to assets | 0.3063% | 2,057 |
| Net operating income to assets | 0.6508% | 4,116 |
| Return on assets (ROA) | 0.6508% | 4,330 |
| Pretax return on assets | 1.0302% | 3,568 |
| Return on Equity (ROE) | 5.5729% | 4,515 |
| Retained earnings to average equity (ytd only) | 5.5729% | 3,220 |
| Net charge-offs to loans | -0.0055% | 5,808 |
| Credit loss provision to net charge-offs | -8,800.0000% | 6,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1063% | 4,150 |
| Assets per employee ($millions) | 4.5122% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 3,920 |
| Loan loss allowance to noncurrent loans | 43.9406% | 5,408 |
| Noncurrent assets plus other real estate owned to assets | 2.2017% | 2,689 |
| Noncurrent loans to loans | 3.5371% | 1,757 |
| Net loans and leases to total assets | 60.6865% | 3,514 |
| Net loans and leases to deposits | 69.3624% | 3,823 |
| Net loans and leases to core deposits | 71.3098% | 4,253 |
| Total domestic deposits to total assets | 87.4919% | 2,656 |
| Equity capital to assets | 11.5364% | 2,408 |
| Core capital (leverage) ratio | 11.4290% | 1,942 |
| Tier 1 risk-based capital ratio | 17.6619% | 2,420 |
| Total risk-based capital ratio | 18.9143% | 2,392 |
| Memoranda: | ||
| Average total assets | $114,930,500 | 4,567 |
| Average earning assets | $104,820,500 | 4,579 |
| Average equity | $13,422,000 | 4,322 |
| Average total loans | $72,631,000 | 4,358 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5186% | 1,125 |
| Cost of funding earning assets | 0.9616% | 3,631 |
| Net interest margin | 4.5570% | 1,007 |
| Noninterest income to average assets | 0.3602% | 4,937 |
| Noninterest expense to average assets | 3.2366% | 2,742 |
| Loan and lease loss provision to assets | 0.3427% | 2,952 |
| Net operating income to assets | 1.7495% | 506 |
| Return on assets (ROA) | 1.9160% | 395 |
| Pretax return on assets | 1.0998% | 2,836 |
| Return on Equity (ROE) | 16.4238% | 551 |
| Retained earnings to average equity (ytd only) | 16.4238% | 91 |
| Net charge-offs to loans | 0.5471% | 2,823 |
| Credit loss provision to net charge-offs | 87.4074% | 4,132 |
| Earnings coverage of net charge-offs (x) | 3.2543% | 3,582 |
| Efficiency ratio | 71.7228% | 3,633 |
| Assets per employee ($millions) | 4.8933% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 4,376 |
| Loan loss allowance to noncurrent loans | 39.4887% | 5,634 |
| Noncurrent assets plus other real estate owned to assets | 2.3511% | 2,574 |
| Noncurrent loans to loans | 3.5932% | 1,778 |
| Net loans and leases to total assets | 63.8927% | 3,211 |
| Net loans and leases to deposits | 73.3411% | 3,613 |
| Net loans and leases to core deposits | 74.8363% | 4,127 |
| Total domestic deposits to total assets | 87.1172% | 2,700 |
| Equity capital to assets | 11.8264% | 2,256 |
| Core capital (leverage) ratio | 11.6761% | 1,776 |
| Tier 1 risk-based capital ratio | 16.8948% | 2,650 |
| Total risk-based capital ratio | 18.1464% | 2,611 |
| Memoranda: | ||
| Average total assets | $103,287,600 | 4,809 |
| Average earning assets | $94,118,800 | 4,810 |
| Average equity | $12,049,600 | 4,538 |
| Average total loans | $74,024,600 | 4,348 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7198% | 820 |
| Cost of funding earning assets | 1.0255% | 3,502 |
| Net interest margin | 4.6943% | 773 |
| Noninterest income to average assets | 0.3235% | 5,282 |
| Noninterest expense to average assets | 3.1625% | 2,955 |
| Loan and lease loss provision to assets | 0.4133% | 2,395 |
| Net operating income to assets | 1.0273% | 2,224 |
| Return on assets (ROA) | 1.1937% | 1,783 |
| Pretax return on assets | 1.1937% | 2,656 |
| Return on Equity (ROE) | 10.2714% | 2,109 |
| Retained earnings to average equity (ytd only) | 10.2714% | 772 |
| Net charge-offs to loans | 0.5671% | 2,541 |
| Credit loss provision to net charge-offs | 99.0506% | 3,446 |
| Earnings coverage of net charge-offs (x) | 3.4526% | 3,431 |
| Efficiency ratio | 68.7034% | 4,173 |
| Assets per employee ($millions) | 4.7910% | 2,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 4,304 |
| Loan loss allowance to noncurrent loans | 42.3047% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 2.9658% | 2,168 |
| Noncurrent loans to loans | 3.4448% | 1,993 |
| Net loans and leases to total assets | 69.4781% | 2,185 |
| Net loans and leases to deposits | 80.6413% | 2,573 |
| Net loans and leases to core deposits | 82.6518% | 3,235 |
| Total domestic deposits to total assets | 86.1569% | 3,130 |
| Equity capital to assets | 11.6704% | 2,525 |
| Core capital (leverage) ratio | 11.6901% | 1,891 |
| Tier 1 risk-based capital ratio | 16.4757% | 2,876 |
| Total risk-based capital ratio | 17.7279% | 2,839 |
| Memoranda: | ||
| Average total assets | $100,973,250 | 4,895 |
| Average earning assets | $92,052,750 | 4,897 |
| Average equity | $11,734,500 | 4,634 |
| Average total loans | $74,295,000 | 4,377 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8151% | 703 |
| Cost of funding earning assets | 1.0745% | 3,433 |
| Net interest margin | 4.7406% | 671 |
| Noninterest income to average assets | 0.2533% | 5,838 |
| Noninterest expense to average assets | 3.2303% | 2,804 |
| Loan and lease loss provision to assets | 0.1005% | 5,063 |
| Net operating income to assets | 1.2503% | 1,443 |
| Return on assets (ROA) | 1.3629% | 1,230 |
| Pretax return on assets | 1.3629% | 1,909 |
| Return on Equity (ROE) | 11.7447% | 1,569 |
| Retained earnings to average equity (ytd only) | 11.7447% | 558 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5134% | 4,021 |
| Assets per employee ($millions) | 4.1394% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5160% | 4,059 |
| Loan loss allowance to noncurrent loans | 50.3993% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.5878% | 2,570 |
| Noncurrent loans to loans | 3.0081% | 2,414 |
| Net loans and leases to total assets | 71.3108% | 1,934 |
| Net loans and leases to deposits | 82.6957% | 2,338 |
| Net loans and leases to core deposits | 84.6430% | 3,119 |
| Total domestic deposits to total assets | 86.2328% | 3,196 |
| Equity capital to assets | 11.5968% | 2,417 |
| Core capital (leverage) ratio | 11.6241% | 1,834 |
| Tier 1 risk-based capital ratio | 15.7054% | 3,125 |
| Total risk-based capital ratio | 16.9255% | 3,109 |
| Memoranda: | ||
| Average total assets | $99,496,670 | 4,971 |
| Average earning assets | $90,832,670 | 4,972 |
| Average equity | $11,545,670 | 4,677 |
| Average total loans | $74,288,330 | 4,422 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9882% | 486 |
| Cost of funding earning assets | 1.1391% | 3,236 |
| Net interest margin | 4.8491% | 515 |
| Noninterest income to average assets | 0.2667% | 5,762 |
| Noninterest expense to average assets | 3.1302% | 3,142 |
| Loan and lease loss provision to assets | 0.1600% | 4,029 |
| Net operating income to assets | 1.3948% | 1,071 |
| Return on assets (ROA) | 1.3948% | 1,114 |
| Pretax return on assets | 1.3948% | 1,738 |
| Return on Equity (ROE) | 12.0163% | 1,456 |
| Retained earnings to average equity (ytd only) | 12.0163% | 736 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8126% | 4,898 |
| Assets per employee ($millions) | 4.3686% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5019% | 4,202 |
| Loan loss allowance to noncurrent loans | 60.1713% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.3388% | 2,906 |
| Noncurrent loans to loans | 2.4961% | 2,990 |
| Net loans and leases to total assets | 73.3623% | 1,446 |
| Net loans and leases to deposits | 85.9266% | 1,741 |
| Net loans and leases to core deposits | 87.9305% | 2,610 |
| Total domestic deposits to total assets | 85.3779% | 3,849 |
| Equity capital to assets | 11.4393% | 2,321 |
| Core capital (leverage) ratio | 11.8276% | 1,659 |
| Tier 1 risk-based capital ratio | 15.4282% | 3,191 |
| Total risk-based capital ratio | 16.6801% | 3,148 |
| Memoranda: | ||
| Average total assets | $97,502,500 | 5,068 |
| Average earning assets | $88,841,500 | 5,060 |
| Average equity | $11,318,000 | 4,713 |
| Average total loans | $73,966,500 | 4,468 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1666% | 612 |
| Cost of funding earning assets | 1.6144% | 1,984 |
| Net interest margin | 4.5521% | 1,130 |
| Noninterest income to average assets | 0.2792% | 5,784 |
| Noninterest expense to average assets | 3.9866% | 1,176 |
| Loan and lease loss provision to assets | 0.7894% | 2,071 |
| Net operating income to assets | -0.4555% | 6,357 |
| Return on assets (ROA) | -0.4555% | 6,384 |
| Pretax return on assets | -0.4555% | 6,287 |
| Return on Equity (ROE) | -3.6662% | 6,335 |
| Retained earnings to average equity (ytd only) | -3.6662% | 6,174 |
| Net charge-offs to loans | 0.8485% | 2,514 |
| Credit loss provision to net charge-offs | 121.7905% | 3,448 |
| Earnings coverage of net charge-offs (x) | 0.5152% | 5,602 |
| Efficiency ratio | 92.2707% | 1,164 |
| Assets per employee ($millions) | 4.1099% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 4,089 |
| Loan loss allowance to noncurrent loans | 53.0792% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 3.8465% | 1,781 |
| Noncurrent loans to loans | 2.7991% | 2,725 |
| Net loans and leases to total assets | 76.1793% | 1,241 |
| Net loans and leases to deposits | 89.9799% | 1,525 |
| Net loans and leases to core deposits | 91.8085% | 2,524 |
| Total domestic deposits to total assets | 84.6626% | 4,019 |
| Equity capital to assets | 11.7871% | 2,048 |
| Core capital (leverage) ratio | 11.8279% | 1,654 |
| Tier 1 risk-based capital ratio | 15.6088% | 2,943 |
| Total risk-based capital ratio | 16.8473% | 2,914 |
| Memoranda: | ||
| Average total assets | $91,332,000 | 5,249 |
| Average earning assets | $81,082,600 | 5,303 |
| Average equity | $11,347,000 | 4,776 |
| Average total loans | $69,768,800 | 4,693 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1331% | 711 |
| Cost of funding earning assets | 1.6809% | 1,962 |
| Net interest margin | 4.4523% | 1,367 |
| Noninterest income to average assets | 0.2592% | 6,046 |
| Noninterest expense to average assets | 3.5080% | 2,019 |
| Loan and lease loss provision to assets | 1.0618% | 1,384 |
| Net operating income to assets | -0.3785% | 6,497 |
| Return on assets (ROA) | -0.3785% | 6,545 |
| Pretax return on assets | -0.3785% | 6,475 |
| Return on Equity (ROE) | -3.0063% | 6,490 |
| Retained earnings to average equity (ytd only) | -3.0063% | 6,352 |
| Net charge-offs to loans | 0.6266% | 2,867 |
| Credit loss provision to net charge-offs | 222.5309% | 1,554 |
| Earnings coverage of net charge-offs (x) | 1.4321% | 4,654 |
| Efficiency ratio | 83.6964% | 1,867 |
| Assets per employee ($millions) | 4.2665% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8761% | 2,553 |
| Loan loss allowance to noncurrent loans | 40.3577% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 4.3607% | 1,558 |
| Noncurrent loans to loans | 4.6487% | 1,533 |
| Net loans and leases to total assets | 75.4480% | 1,503 |
| Net loans and leases to deposits | 89.5477% | 1,778 |
| Net loans and leases to core deposits | 91.3874% | 2,892 |
| Total domestic deposits to total assets | 84.2545% | 3,981 |
| Equity capital to assets | 12.0816% | 2,105 |
| Core capital (leverage) ratio | 12.0907% | 1,618 |
| Tier 1 risk-based capital ratio | 16.0163% | 2,751 |
| Total risk-based capital ratio | 17.2751% | 2,701 |
| Memoranda: | ||
| Average total assets | $90,533,250 | 5,338 |
| Average earning assets | $79,957,500 | 5,409 |
| Average equity | $11,398,250 | 4,840 |
| Average total loans | $68,937,000 | 4,794 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1170% | 732 |
| Cost of funding earning assets | 1.7383% | 1,926 |
| Net interest margin | 4.3788% | 1,511 |
| Noninterest income to average assets | 0.2438% | 6,165 |
| Noninterest expense to average assets | 3.5516% | 1,906 |
| Loan and lease loss provision to assets | 0.5234% | 2,696 |
| Net operating income to assets | 0.0112% | 6,070 |
| Return on assets (ROA) | 0.0112% | 6,171 |
| Pretax return on assets | 0.0112% | 6,138 |
| Return on Equity (ROE) | 0.0876% | 6,171 |
| Retained earnings to average equity (ytd only) | 0.0876% | 5,705 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9184% | 1,608 |
| Assets per employee ($millions) | 4.2652% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 3,186 |
| Loan loss allowance to noncurrent loans | 31.8705% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 4.7691% | 1,361 |
| Noncurrent loans to loans | 5.2393% | 1,294 |
| Net loans and leases to total assets | 74.7448% | 1,755 |
| Net loans and leases to deposits | 88.8393% | 2,026 |
| Net loans and leases to core deposits | 91.5028% | 3,056 |
| Total domestic deposits to total assets | 84.1347% | 4,045 |
| Equity capital to assets | 12.2951% | 1,929 |
| Core capital (leverage) ratio | 12.2215% | 1,531 |
| Tier 1 risk-based capital ratio | 15.9916% | 2,676 |
| Total risk-based capital ratio | 17.2351% | 2,641 |
| Memoranda: | ||
| Average total assets | $89,423,670 | 5,412 |
| Average earning assets | $78,469,670 | 5,492 |
| Average equity | $11,417,670 | 4,824 |
| Average total loans | $67,859,000 | 4,868 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4427% | 400 |
| Cost of funding earning assets | 1.8027% | 1,862 |
| Net interest margin | 4.6400% | 892 |
| Noninterest income to average assets | 0.2843% | 5,865 |
| Noninterest expense to average assets | 3.6231% | 1,685 |
| Loan and lease loss provision to assets | 0.5366% | 2,358 |
| Net operating income to assets | 0.1147% | 5,982 |
| Return on assets (ROA) | 0.1147% | 6,093 |
| Pretax return on assets | 0.1147% | 6,096 |
| Return on Equity (ROE) | 0.8804% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.8804% | 5,459 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7639% | 1,938 |
| Assets per employee ($millions) | 4.0148% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 3,460 |
| Loan loss allowance to noncurrent loans | 37.8036% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 3.2564% | 2,200 |
| Noncurrent loans to loans | 4.2246% | 1,819 |
| Net loans and leases to total assets | 71.6637% | 2,530 |
| Net loans and leases to deposits | 85.2046% | 2,729 |
| Net loans and leases to core deposits | 87.4140% | 3,691 |
| Total domestic deposits to total assets | 84.1078% | 4,096 |
| Equity capital to assets | 12.3607% | 1,835 |
| Core capital (leverage) ratio | 13.1294% | 1,175 |
| Tier 1 risk-based capital ratio | 16.2051% | 2,564 |
| Total risk-based capital ratio | 17.4352% | 2,530 |
| Memoranda: | ||
| Average total assets | $87,218,500 | 5,541 |
| Average earning assets | $75,000,000 | 5,670 |
| Average equity | $11,358,000 | 4,882 |
| Average total loans | $66,125,000 | 4,997 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7243% | 2,989 |
| Cost of funding earning assets | 2.1026% | 2,448 |
| Net interest margin | 3.6216% | 4,469 |
| Noninterest income to average assets | 0.3034% | 5,927 |
| Noninterest expense to average assets | 3.9088% | 1,500 |
| Loan and lease loss provision to assets | 1.6591% | 1,380 |
| Net operating income to assets | -1.9903% | 7,089 |
| Return on assets (ROA) | -1.9566% | 7,074 |
| Pretax return on assets | -1.9566% | 6,929 |
| Return on Equity (ROE) | -11.2431% | 6,714 |
| Retained earnings to average equity (ytd only) | -11.2431% | 6,618 |
| Net charge-offs to loans | 1.4720% | 1,703 |
| Credit loss provision to net charge-offs | 146.6321% | 3,224 |
| Earnings coverage of net charge-offs (x) | -0.2927% | 6,540 |
| Efficiency ratio | 109.2585% | 814 |
| Assets per employee ($millions) | 3.4207% | 5,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 3,881 |
| Loan loss allowance to noncurrent loans | 42.6661% | 5,569 |
| Noncurrent assets plus other real estate owned to assets | 2.7322% | 2,553 |
| Noncurrent loans to loans | 3.4507% | 2,203 |
| Net loans and leases to total assets | 78.0111% | 1,379 |
| Net loans and leases to deposits | 95.0335% | 1,453 |
| Net loans and leases to core deposits | 121.9282% | 1,785 |
| Total domestic deposits to total assets | 82.0880% | 4,909 |
| Equity capital to assets | 13.7668% | 1,229 |
| Core capital (leverage) ratio | 14.3828% | 908 |
| Tier 1 risk-based capital ratio | 16.5653% | 2,288 |
| Total risk-based capital ratio | 17.8187% | 2,237 |
| Memoranda: | ||
| Average total assets | $68,230,400 | 6,064 |
| Average earning assets | $61,684,600 | 6,068 |
| Average equity | $11,874,000 | 4,777 |
| Average total loans | $52,445,600 | 5,569 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4983% | 4,430 |
| Cost of funding earning assets | 2.1721% | 2,545 |
| Net interest margin | 3.3262% | 5,538 |
| Noninterest income to average assets | 0.3356% | 5,801 |
| Noninterest expense to average assets | 3.8724% | 1,474 |
| Loan and lease loss provision to assets | 1.3917% | 1,383 |
| Net operating income to assets | -1.9084% | 7,279 |
| Return on assets (ROA) | -1.8590% | 7,259 |
| Pretax return on assets | -1.8590% | 7,116 |
| Return on Equity (ROE) | -10.0189% | 6,896 |
| Retained earnings to average equity (ytd only) | -10.0189% | 6,807 |
| Net charge-offs to loans | 0.3894% | 3,706 |
| Credit loss provision to net charge-offs | 469.4444% | 835 |
| Earnings coverage of net charge-offs (x) | -1.7430% | 6,721 |
| Efficiency ratio | 115.3988% | 665 |
| Assets per employee ($millions) | 3.2073% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0214% | 1,753 |
| Loan loss allowance to noncurrent loans | 752.6667% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 7,014 |
| Noncurrent loans to loans | 0.2686% | 6,837 |
| Net loans and leases to total assets | 74.1816% | 2,472 |
| Net loans and leases to deposits | 88.5185% | 2,863 |
| Net loans and leases to core deposits | 127.8664% | 1,593 |
| Total domestic deposits to total assets | 83.8035% | 3,818 |
| Equity capital to assets | 15.7709% | 831 |
| Core capital (leverage) ratio | 16.3631% | 626 |
| Tier 1 risk-based capital ratio | 19.9257% | 1,574 |
| Total risk-based capital ratio | 21.1981% | 1,520 |
| Memoranda: | ||
| Average total assets | $64,764,000 | 6,217 |
| Average earning assets | $58,804,250 | 6,223 |
| Average equity | $12,017,000 | 4,785 |
| Average total loans | $49,306,750 | 5,750 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4333% | 4,982 |
| Cost of funding earning assets | 2.2385% | 2,631 |
| Net interest margin | 3.1948% | 5,936 |
| Noninterest income to average assets | 0.3983% | 5,309 |
| Noninterest expense to average assets | 3.9733% | 1,362 |
| Loan and lease loss provision to assets | 0.5667% | 2,749 |
| Net operating income to assets | -1.2208% | 7,122 |
| Return on assets (ROA) | -1.1431% | 7,087 |
| Pretax return on assets | -1.1431% | 6,900 |
| Return on Equity (ROE) | -5.8132% | 6,690 |
| Retained earnings to average equity (ytd only) | -5.8132% | 6,423 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.7073% | 671 |
| Assets per employee ($millions) | 4.5705% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 3,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 73.8645% | 2,743 |
| Net loans and leases to deposits | 90.1854% | 2,809 |
| Net loans and leases to core deposits | 137.0426% | 1,157 |
| Total domestic deposits to total assets | 81.9029% | 4,728 |
| Equity capital to assets | 17.5530% | 599 |
| Core capital (leverage) ratio | 18.2200% | 483 |
| Tier 1 risk-based capital ratio | 20.7678% | 1,435 |
| Total risk-based capital ratio | 22.0234% | 1,398 |
| Memoranda: | ||
| Average total assets | $61,762,330 | 6,384 |
| Average earning assets | $56,466,330 | 6,366 |
| Average equity | $12,144,670 | 4,772 |
| Average total loans | $47,125,000 | 5,883 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4479% | 5,183 |
| Cost of funding earning assets | 2.2649% | 2,865 |
| Net interest margin | 3.1830% | 5,913 |
| Noninterest income to average assets | 0.3153% | 5,924 |
| Noninterest expense to average assets | 4.0984% | 1,066 |
| Loan and lease loss provision to assets | 0.6785% | 1,863 |
| Net operating income to assets | -1.5626% | 7,524 |
| Return on assets (ROA) | -1.5626% | 7,527 |
| Pretax return on assets | -1.5626% | 7,393 |
| Return on Equity (ROE) | -7.4754% | 7,190 |
| Retained earnings to average equity (ytd only) | -7.4754% | 6,851 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.5053% | 530 |
| Assets per employee ($millions) | 4.1844% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 3,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 73.9572% | 2,771 |
| Net loans and leases to deposits | 92.1251% | 2,573 |
| Net loans and leases to core deposits | 139.5377% | 1,123 |
| Total domestic deposits to total assets | 80.2791% | 5,249 |
| Equity capital to assets | 19.3449% | 454 |
| Core capital (leverage) ratio | 21.5096% | 329 |
| Tier 1 risk-based capital ratio | 23.0409% | 1,191 |
| Total risk-based capital ratio | 24.2919% | 1,158 |
| Memoranda: | ||
| Average total assets | $58,364,500 | 6,530 |
| Average earning assets | $53,158,000 | 6,536 |
| Average equity | $12,200,000 | 4,786 |
| Average total loans | $44,981,500 | 6,013 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7643% | 7,952 |
| Cost of funding earning assets | 1.9241% | 6,662 |
| Net interest margin | 2.8402% | 7,269 |
| Noninterest income to average assets | 0.3097% | 6,236 |
| Noninterest expense to average assets | 5.0739% | 600 |
| Loan and lease loss provision to assets | 1.5033% | 896 |
| Net operating income to assets | -3.6210% | 7,931 |
| Return on assets (ROA) | -3.6210% | 7,908 |
| Pretax return on assets | -3.6210% | 7,827 |
| Return on Equity (ROE) | -11.4438% | 7,384 |
| Retained earnings to average equity (ytd only) | -11.4438% | 7,202 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.6354% | 276 |
| Assets per employee ($millions) | 4.1510% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 3,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.2944% | 2,050 |
| Net loans and leases to deposits | 105.2199% | 1,198 |
| Net loans and leases to core deposits | 221.0653% | 108 |
| Total domestic deposits to total assets | 74.4102% | 6,579 |
| Equity capital to assets | 22.7156% | 325 |
| Core capital (leverage) ratio | 25.6360% | 253 |
| Tier 1 risk-based capital ratio | 26.4764% | 864 |
| Total risk-based capital ratio | 27.6756% | 846 |
| Memoranda: | ||
| Average total assets | $39,713,250 | 7,225 |
| Average earning assets | $37,004,000 | 7,190 |
| Average equity | $12,565,750 | 4,686 |
| Average total loans | $26,674,250 | 6,922 |