Home > Florida Business Bank > Performance and Condition Ratios
Florida Business Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 498 |
| Cost of funding earning assets | 0.2207% | 3,249 |
| Net interest margin | 4.3916% | 342 |
| Noninterest income to average assets | 0.1068% | 4,579 |
| Noninterest expense to average assets | 2.3902% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.4379% | 1,162 |
| Return on assets (ROA) | 1.4996% | 1,068 |
| Pretax return on assets | 2.0358% | 568 |
| Return on Equity (ROE) | 13.4045% | 1,345 |
| Retained earnings to average equity (ytd only) | 13.4045% | 357 |
| Net charge-offs to loans | -0.1375% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9743% | 3,825 |
| Assets per employee ($millions) | 14.5432% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 1,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 64.2705% | 1,671 |
| Net loans and leases to deposits | 73.0546% | 1,808 |
| Net loans and leases to core deposits | 73.5241% | 2,116 |
| Total domestic deposits to total assets | 87.9759% | 2,055 |
| Equity capital to assets | 11.7263% | 1,379 |
| Core capital (leverage) ratio | 11.8933% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8419% | 1,080 |
| Memoranda: | ||
| Average total assets | $188,181,400 | 3,141 |
| Average earning assets | $181,734,800 | 3,082 |
| Average equity | $21,052,600 | 3,130 |
| Average total loans | $137,476,200 | 2,754 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4437% | 750 |
| Cost of funding earning assets | 0.2671% | 2,932 |
| Net interest margin | 4.1766% | 569 |
| Noninterest income to average assets | 0.1050% | 4,652 |
| Noninterest expense to average assets | 2.0436% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5690% | 1,106 |
| Return on assets (ROA) | 1.6514% | 957 |
| Pretax return on assets | 2.1919% | 554 |
| Return on Equity (ROE) | 14.9419% | 1,154 |
| Retained earnings to average equity (ytd only) | 14.9419% | 407 |
| Net charge-offs to loans | -0.1230% | 4,678 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4677% | 4,268 |
| Assets per employee ($millions) | 12.7766% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 1,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 71.4723% | 924 |
| Net loans and leases to deposits | 81.1676% | 1,175 |
| Net loans and leases to core deposits | 81.8950% | 1,579 |
| Total domestic deposits to total assets | 88.0552% | 1,810 |
| Equity capital to assets | 11.3807% | 1,754 |
| Core capital (leverage) ratio | 11.8012% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3736% | 1,272 |
| Memoranda: | ||
| Average total assets | $187,961,250 | 3,180 |
| Average earning assets | $181,197,500 | 3,125 |
| Average equity | $20,773,250 | 3,186 |
| Average total loans | $140,951,000 | 2,753 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5994% | 627 |
| Cost of funding earning assets | 0.3156% | 2,636 |
| Net interest margin | 4.2838% | 505 |
| Noninterest income to average assets | 0.1071% | 4,666 |
| Noninterest expense to average assets | 2.0189% | 3,638 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6568% | 939 |
| Return on assets (ROA) | 1.7812% | 780 |
| Pretax return on assets | 2.3595% | 437 |
| Return on Equity (ROE) | 16.2821% | 901 |
| Retained earnings to average equity (ytd only) | 16.2821% | 318 |
| Net charge-offs to loans | -0.1539% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8305% | 4,399 |
| Assets per employee ($millions) | 12.5622% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4562% | 1,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 71.3230% | 1,041 |
| Net loans and leases to deposits | 80.7736% | 1,357 |
| Net loans and leases to core deposits | 81.5104% | 1,759 |
| Total domestic deposits to total assets | 88.2998% | 1,669 |
| Equity capital to assets | 11.1493% | 1,876 |
| Core capital (leverage) ratio | 11.2230% | 1,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3146% | 1,262 |
| Memoranda: | ||
| Average total assets | $186,732,000 | 3,200 |
| Average earning assets | $179,327,000 | 3,139 |
| Average equity | $20,427,333 | 3,212 |
| Average total loans | $141,607,000 | 2,762 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0268% | 340 |
| Cost of funding earning assets | 0.3626% | 2,424 |
| Net interest margin | 4.6643% | 281 |
| Noninterest income to average assets | 0.1054% | 4,658 |
| Noninterest expense to average assets | 2.0228% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9257% | 633 |
| Return on assets (ROA) | 2.1756% | 472 |
| Pretax return on assets | 2.8836% | 268 |
| Return on Equity (ROE) | 20.0829% | 526 |
| Retained earnings to average equity (ytd only) | 20.0829% | 267 |
| Net charge-offs to loans | -0.2496% | 4,820 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0694% | 4,575 |
| Assets per employee ($millions) | 11.1862% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 2,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 75.1864% | 699 |
| Net loans and leases to deposits | 85.1258% | 1,039 |
| Net loans and leases to core deposits | 86.2910% | 1,499 |
| Total domestic deposits to total assets | 88.3239% | 1,692 |
| Equity capital to assets | 10.6970% | 2,083 |
| Core capital (leverage) ratio | 11.1806% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3429% | 1,461 |
| Memoranda: | ||
| Average total assets | $185,881,500 | 3,194 |
| Average earning assets | $178,721,000 | 3,136 |
| Average equity | $20,136,500 | 3,231 |
| Average total loans | $144,219,500 | 2,745 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6241% | 1,056 |
| Cost of funding earning assets | 0.6728% | 1,861 |
| Net interest margin | 3.9513% | 1,087 |
| Noninterest income to average assets | 0.1032% | 4,734 |
| Noninterest expense to average assets | 1.9519% | 4,228 |
| Loan and lease loss provision to assets | 0.2256% | 1,733 |
| Net operating income to assets | 1.2893% | 1,276 |
| Return on assets (ROA) | 1.3806% | 1,157 |
| Pretax return on assets | 1.8239% | 651 |
| Return on Equity (ROE) | 13.2050% | 990 |
| Retained earnings to average equity (ytd only) | 13.2050% | 228 |
| Net charge-offs to loans | -0.0715% | 4,744 |
| Credit loss provision to net charge-offs | -412.3711% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2322% | 4,517 |
| Assets per employee ($millions) | 11.3498% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 2,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 77.9837% | 606 |
| Net loans and leases to deposits | 88.0872% | 1,083 |
| Net loans and leases to core deposits | 90.6749% | 1,479 |
| Total domestic deposits to total assets | 88.5301% | 1,205 |
| Equity capital to assets | 10.9754% | 2,269 |
| Core capital (leverage) ratio | 10.1394% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0903% | 1,495 |
| Memoranda: | ||
| Average total assets | $177,314,600 | 3,124 |
| Average earning assets | $169,740,800 | 3,074 |
| Average equity | $18,538,400 | 3,321 |
| Average total loans | $135,625,800 | 2,796 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 1,575 |
| Cost of funding earning assets | 0.7302% | 1,855 |
| Net interest margin | 3.7689% | 1,713 |
| Noninterest income to average assets | 0.0961% | 4,772 |
| Noninterest expense to average assets | 1.9359% | 4,278 |
| Loan and lease loss provision to assets | 0.3024% | 1,335 |
| Net operating income to assets | 1.0985% | 1,985 |
| Return on assets (ROA) | 1.2210% | 1,694 |
| Pretax return on assets | 1.6129% | 1,155 |
| Return on Equity (ROE) | 11.8302% | 1,424 |
| Retained earnings to average equity (ytd only) | 11.8302% | 453 |
| Net charge-offs to loans | -0.0638% | 4,740 |
| Credit loss provision to net charge-offs | -625.0000% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3741% | 4,302 |
| Assets per employee ($millions) | 12.7796% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 73.3130% | 1,455 |
| Net loans and leases to deposits | 81.3848% | 2,159 |
| Net loans and leases to core deposits | 84.6076% | 2,421 |
| Total domestic deposits to total assets | 90.0819% | 397 |
| Equity capital to assets | 9.3215% | 3,843 |
| Core capital (leverage) ratio | 9.6782% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9004% | 1,533 |
| Memoranda: | ||
| Average total assets | $176,244,000 | 3,121 |
| Average earning assets | $168,354,250 | 3,074 |
| Average equity | $18,190,250 | 3,349 |
| Average total loans | $133,659,000 | 2,830 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6191% | 1,605 |
| Cost of funding earning assets | 0.8032% | 1,809 |
| Net interest margin | 3.8160% | 1,790 |
| Noninterest income to average assets | 0.0947% | 4,799 |
| Noninterest expense to average assets | 2.0404% | 4,151 |
| Loan and lease loss provision to assets | 0.2398% | 1,757 |
| Net operating income to assets | 1.1012% | 1,960 |
| Return on assets (ROA) | 1.1173% | 2,027 |
| Pretax return on assets | 1.4745% | 1,517 |
| Return on Equity (ROE) | 10.4132% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.4132% | 707 |
| Net charge-offs to loans | -0.0627% | 4,739 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6388% | 4,103 |
| Assets per employee ($millions) | 12.2753% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0539% | 3,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 77.4378% | 929 |
| Net loans and leases to deposits | 86.2756% | 1,734 |
| Net loans and leases to core deposits | 90.4372% | 2,037 |
| Total domestic deposits to total assets | 89.7563% | 474 |
| Equity capital to assets | 9.4397% | 3,713 |
| Core capital (leverage) ratio | 9.8057% | 3,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3047% | 1,696 |
| Memoranda: | ||
| Average total assets | $166,834,000 | 3,181 |
| Average earning assets | $159,121,000 | 3,140 |
| Average equity | $17,900,333 | 3,373 |
| Average total loans | $127,628,667 | 2,886 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8172% | 1,378 |
| Cost of funding earning assets | 0.9529% | 1,638 |
| Net interest margin | 3.8643% | 1,780 |
| Noninterest income to average assets | 0.1158% | 4,770 |
| Noninterest expense to average assets | 2.2493% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1716% | 1,614 |
| Return on assets (ROA) | 1.2049% | 1,613 |
| Pretax return on assets | 1.5890% | 1,084 |
| Return on Equity (ROE) | 10.4206% | 1,606 |
| Retained earnings to average equity (ytd only) | 10.4206% | 662 |
| Net charge-offs to loans | -0.0873% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2516% | 3,834 |
| Assets per employee ($millions) | 9.9461% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.0100% | 1,780 |
| Net loans and leases to deposits | 83.0469% | 2,329 |
| Net loans and leases to core deposits | 90.4368% | 2,305 |
| Total domestic deposits to total assets | 87.9142% | 1,145 |
| Equity capital to assets | 11.2626% | 2,628 |
| Core capital (leverage) ratio | 11.6691% | 1,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8619% | 1,953 |
| Memoranda: | ||
| Average total assets | $152,049,000 | 3,305 |
| Average earning assets | $144,813,500 | 3,241 |
| Average equity | $17,580,500 | 3,412 |
| Average total loans | $114,587,500 | 3,022 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0003% | 1,482 |
| Cost of funding earning assets | 1.0695% | 1,436 |
| Net interest margin | 3.9308% | 2,068 |
| Noninterest income to average assets | 0.1175% | 4,869 |
| Noninterest expense to average assets | 2.3307% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1232% | 2,360 |
| Return on assets (ROA) | 1.1721% | 2,264 |
| Pretax return on assets | 1.5495% | 1,657 |
| Return on Equity (ROE) | 8.8953% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.8953% | 738 |
| Net charge-offs to loans | 0.0621% | 2,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 32.6406% | 1,495 |
| Efficiency ratio | 61.0407% | 3,530 |
| Assets per employee ($millions) | 8.5271% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 76.0232% | 1,412 |
| Net loans and leases to deposits | 87.0064% | 1,971 |
| Net loans and leases to core deposits | 95.2021% | 1,970 |
| Total domestic deposits to total assets | 87.3766% | 1,419 |
| Equity capital to assets | 11.8915% | 2,206 |
| Core capital (leverage) ratio | 11.6247% | 2,018 |
| Tier 1 risk-based capital ratio | 14.2947% | 3,125 |
| Total risk-based capital ratio | 15.4403% | 3,081 |
| Memoranda: | ||
| Average total assets | $140,431,200 | 3,428 |
| Average earning assets | $132,212,000 | 3,390 |
| Average equity | $18,504,200 | 3,278 |
| Average total loans | $103,017,800 | 3,188 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9461% | 1,686 |
| Cost of funding earning assets | 1.0697% | 1,471 |
| Net interest margin | 3.8763% | 2,340 |
| Noninterest income to average assets | 0.1139% | 4,941 |
| Noninterest expense to average assets | 2.3077% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0778% | 2,658 |
| Return on assets (ROA) | 1.1247% | 2,567 |
| Pretax return on assets | 1.4970% | 1,966 |
| Return on Equity (ROE) | 8.3240% | 3,186 |
| Retained earnings to average equity (ytd only) | 8.3240% | 1,277 |
| Net charge-offs to loans | 0.1150% | 1,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 17.2640% | 2,100 |
| Efficiency ratio | 61.6151% | 3,385 |
| Assets per employee ($millions) | 8.6396% | 547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,011 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 70.6837% | 2,378 |
| Net loans and leases to deposits | 82.3355% | 2,643 |
| Net loans and leases to core deposits | 92.0510% | 2,361 |
| Total domestic deposits to total assets | 85.8484% | 2,059 |
| Equity capital to assets | 13.2808% | 1,469 |
| Core capital (leverage) ratio | 13.8180% | 1,032 |
| Tier 1 risk-based capital ratio | 16.6185% | 2,219 |
| Total risk-based capital ratio | 17.7788% | 2,191 |
| Memoranda: | ||
| Average total assets | $139,298,750 | 3,479 |
| Average earning assets | $130,497,750 | 3,452 |
| Average equity | $18,820,750 | 3,267 |
| Average total loans | $100,876,250 | 3,254 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9406% | 1,636 |
| Cost of funding earning assets | 1.0641% | 1,435 |
| Net interest margin | 3.8764% | 2,321 |
| Noninterest income to average assets | 0.1097% | 4,999 |
| Noninterest expense to average assets | 2.3469% | 3,877 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0499% | 2,726 |
| Return on assets (ROA) | 1.0499% | 2,794 |
| Pretax return on assets | 1.4009% | 2,207 |
| Return on Equity (ROE) | 7.7236% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.7236% | 1,509 |
| Net charge-offs to loans | 0.2273% | 743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 8.4779% | 2,411 |
| Efficiency ratio | 62.6219% | 3,336 |
| Assets per employee ($millions) | 8.0948% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 1,917 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 72.1616% | 2,193 |
| Net loans and leases to deposits | 84.5873% | 2,424 |
| Net loans and leases to core deposits | 94.9541% | 2,160 |
| Total domestic deposits to total assets | 85.3101% | 2,342 |
| Equity capital to assets | 13.8738% | 1,173 |
| Core capital (leverage) ratio | 13.8680% | 1,005 |
| Tier 1 risk-based capital ratio | 17.0492% | 2,072 |
| Total risk-based capital ratio | 18.2450% | 2,033 |
| Memoranda: | ||
| Average total assets | $136,773,670 | 3,530 |
| Average earning assets | $128,365,670 | 3,501 |
| Average equity | $18,592,330 | 3,290 |
| Average total loans | $99,444,000 | 3,294 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8686% | 1,696 |
| Cost of funding earning assets | 1.0491% | 1,383 |
| Net interest margin | 3.8195% | 2,452 |
| Noninterest income to average assets | 0.1056% | 5,055 |
| Noninterest expense to average assets | 2.3028% | 4,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0502% | 2,657 |
| Return on assets (ROA) | 1.0502% | 2,698 |
| Pretax return on assets | 1.4022% | 2,075 |
| Return on Equity (ROE) | 7.8070% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.8070% | 1,734 |
| Net charge-offs to loans | -0.1133% | 5,055 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1536% | 3,511 |
| Assets per employee ($millions) | 8.5963% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 1,343 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 70.3361% | 2,434 |
| Net loans and leases to deposits | 81.8507% | 2,619 |
| Net loans and leases to core deposits | 89.8112% | 2,524 |
| Total domestic deposits to total assets | 85.9322% | 2,308 |
| Equity capital to assets | 13.5058% | 1,210 |
| Core capital (leverage) ratio | 13.8209% | 997 |
| Tier 1 risk-based capital ratio | 17.3544% | 1,996 |
| Total risk-based capital ratio | 18.6056% | 1,940 |
| Memoranda: | ||
| Average total assets | $136,354,500 | 3,570 |
| Average earning assets | $128,497,000 | 3,541 |
| Average equity | $18,342,500 | 3,324 |
| Average total loans | $98,849,000 | 3,342 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9452% | 1,169 |
| Cost of funding earning assets | 0.6547% | 2,360 |
| Net interest margin | 4.2905% | 1,181 |
| Noninterest income to average assets | 0.3170% | 3,997 |
| Noninterest expense to average assets | 2.4605% | 3,725 |
| Loan and lease loss provision to assets | -0.8122% | 5,396 |
| Net operating income to assets | 2.0373% | 331 |
| Return on assets (ROA) | 2.0373% | 328 |
| Pretax return on assets | 2.7196% | 142 |
| Return on Equity (ROE) | 15.1812% | 784 |
| Retained earnings to average equity (ytd only) | 15.1812% | 108 |
| Net charge-offs to loans | -1.1259% | 5,363 |
| Credit loss provision to net charge-offs | 95.9738% | 2,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3316% | 4,368 |
| Assets per employee ($millions) | 8.4480% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 72.5327% | 2,173 |
| Net loans and leases to deposits | 84.1460% | 2,496 |
| Net loans and leases to core deposits | 91.1357% | 2,484 |
| Total domestic deposits to total assets | 86.1987% | 2,131 |
| Equity capital to assets | 13.3974% | 1,183 |
| Core capital (leverage) ratio | 14.2073% | 867 |
| Tier 1 risk-based capital ratio | 16.9447% | 2,088 |
| Total risk-based capital ratio | 18.1952% | 2,031 |
| Memoranda: | ||
| Average total assets | $126,193,800 | 3,696 |
| Average earning assets | $119,146,400 | 3,659 |
| Average equity | $16,935,400 | 3,402 |
| Average total loans | $94,857,800 | 3,390 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9194% | 1,119 |
| Cost of funding earning assets | 0.5913% | 2,536 |
| Net interest margin | 4.3282% | 1,051 |
| Noninterest income to average assets | 0.3862% | 3,558 |
| Noninterest expense to average assets | 2.5246% | 3,516 |
| Loan and lease loss provision to assets | -0.8659% | 5,467 |
| Net operating income to assets | 2.1105% | 303 |
| Return on assets (ROA) | 2.1105% | 300 |
| Pretax return on assets | 2.8140% | 140 |
| Return on Equity (ROE) | 15.7188% | 743 |
| Retained earnings to average equity (ytd only) | 15.7188% | 149 |
| Net charge-offs to loans | -1.1995% | 5,434 |
| Credit loss provision to net charge-offs | 95.4923% | 2,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4454% | 4,322 |
| Assets per employee ($millions) | 8.0334% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 1,344 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 73.5409% | 2,063 |
| Net loans and leases to deposits | 85.6453% | 2,403 |
| Net loans and leases to core deposits | 90.5186% | 2,615 |
| Total domestic deposits to total assets | 85.8668% | 2,253 |
| Equity capital to assets | 13.7069% | 1,055 |
| Core capital (leverage) ratio | 14.0811% | 914 |
| Tier 1 risk-based capital ratio | 17.0744% | 2,078 |
| Total risk-based capital ratio | 18.3254% | 2,019 |
| Memoranda: | ||
| Average total assets | $123,950,250 | 3,765 |
| Average earning assets | $117,029,250 | 3,737 |
| Average equity | $16,642,000 | 3,460 |
| Average total loans | $93,701,000 | 3,433 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 1,088 |
| Cost of funding earning assets | 0.5635% | 2,487 |
| Net interest margin | 4.3058% | 1,024 |
| Noninterest income to average assets | 0.3284% | 3,996 |
| Noninterest expense to average assets | 2.5665% | 3,426 |
| Loan and lease loss provision to assets | -0.8659% | 5,531 |
| Net operating income to assets | 2.0258% | 362 |
| Return on assets (ROA) | 2.0258% | 361 |
| Pretax return on assets | 2.6972% | 157 |
| Return on Equity (ROE) | 15.1992% | 815 |
| Retained earnings to average equity (ytd only) | 15.1992% | 188 |
| Net charge-offs to loans | -1.0823% | 5,493 |
| Credit loss provision to net charge-offs | 105.3678% | 1,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3581% | 4,178 |
| Assets per employee ($millions) | 7.3575% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5382% | 1,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 70.3193% | 2,531 |
| Net loans and leases to deposits | 81.6893% | 2,798 |
| Net loans and leases to core deposits | 87.1108% | 2,809 |
| Total domestic deposits to total assets | 86.0815% | 2,243 |
| Equity capital to assets | 13.5539% | 1,083 |
| Core capital (leverage) ratio | 13.8333% | 950 |
| Tier 1 risk-based capital ratio | 17.3203% | 1,993 |
| Total risk-based capital ratio | 18.5712% | 1,945 |
| Memoranda: | ||
| Average total assets | $122,422,330 | 3,820 |
| Average earning assets | $115,705,330 | 3,779 |
| Average equity | $16,316,670 | 3,520 |
| Average total loans | $92,946,670 | 3,463 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6971% | 1,316 |
| Cost of funding earning assets | 0.4926% | 2,855 |
| Net interest margin | 4.2045% | 1,168 |
| Noninterest income to average assets | 0.1156% | 5,273 |
| Noninterest expense to average assets | 2.4972% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2222% | 1,916 |
| Return on assets (ROA) | 1.2222% | 1,925 |
| Pretax return on assets | 1.6219% | 1,327 |
| Return on Equity (ROE) | 9.2509% | 2,789 |
| Retained earnings to average equity (ytd only) | 9.2509% | 1,379 |
| Net charge-offs to loans | -0.1309% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6255% | 3,988 |
| Assets per employee ($millions) | 7.3783% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 1,352 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 78.1530% | 1,216 |
| Net loans and leases to deposits | 90.9666% | 1,565 |
| Net loans and leases to core deposits | 97.0352% | 1,903 |
| Total domestic deposits to total assets | 85.9140% | 2,581 |
| Equity capital to assets | 13.6523% | 992 |
| Core capital (leverage) ratio | 13.2750% | 1,081 |
| Tier 1 risk-based capital ratio | 16.0743% | 2,434 |
| Total risk-based capital ratio | 17.3263% | 2,384 |
| Memoranda: | ||
| Average total assets | $121,094,500 | 3,887 |
| Average earning assets | $115,305,500 | 3,825 |
| Average equity | $15,998,500 | 3,592 |
| Average total loans | $94,756,000 | 3,451 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 1,350 |
| Cost of funding earning assets | 0.3868% | 3,374 |
| Net interest margin | 4.2473% | 1,089 |
| Noninterest income to average assets | 0.1210% | 5,339 |
| Noninterest expense to average assets | 2.4775% | 3,860 |
| Loan and lease loss provision to assets | -0.0341% | 5,364 |
| Net operating income to assets | 1.2707% | 1,300 |
| Return on assets (ROA) | 1.2707% | 1,321 |
| Pretax return on assets | 1.6645% | 1,113 |
| Return on Equity (ROE) | 8.8202% | 2,398 |
| Retained earnings to average equity (ytd only) | 8.8202% | 540 |
| Net charge-offs to loans | -0.2904% | 5,561 |
| Credit loss provision to net charge-offs | 16.0643% | 3,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3112% | 4,215 |
| Assets per employee ($millions) | 7.7585% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4621% | 1,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 76.0593% | 1,580 |
| Net loans and leases to deposits | 87.6919% | 2,049 |
| Net loans and leases to core deposits | 91.0201% | 2,460 |
| Total domestic deposits to total assets | 86.7347% | 2,123 |
| Equity capital to assets | 12.7924% | 1,359 |
| Core capital (leverage) ratio | 12.8333% | 1,206 |
| Tier 1 risk-based capital ratio | 15.9981% | 2,430 |
| Total risk-based capital ratio | 17.2503% | 2,372 |
| Memoranda: | ||
| Average total assets | $117,335,400 | 3,940 |
| Average earning assets | $110,139,600 | 3,913 |
| Average equity | $16,904,400 | 3,489 |
| Average total loans | $85,747,800 | 3,618 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5300% | 1,558 |
| Cost of funding earning assets | 0.3728% | 3,440 |
| Net interest margin | 4.1572% | 1,262 |
| Noninterest income to average assets | 0.1188% | 5,406 |
| Noninterest expense to average assets | 2.4732% | 3,813 |
| Loan and lease loss provision to assets | -0.0115% | 5,460 |
| Net operating income to assets | 0.9904% | 2,596 |
| Return on assets (ROA) | 0.9904% | 2,652 |
| Pretax return on assets | 1.5531% | 1,571 |
| Return on Equity (ROE) | 6.6740% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.6740% | 1,860 |
| Net charge-offs to loans | -0.2803% | 5,597 |
| Credit loss provision to net charge-offs | 5.7143% | 3,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6025% | 3,935 |
| Assets per employee ($millions) | 7.5388% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5087% | 1,501 |
| Loan loss allowance to noncurrent loans | 365.7682% | 1,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 3,838 |
| Noncurrent loans to loans | 0.4125% | 3,467 |
| Net loans and leases to total assets | 73.4424% | 2,015 |
| Net loans and leases to deposits | 86.2832% | 2,263 |
| Net loans and leases to core deposits | 87.1928% | 2,857 |
| Total domestic deposits to total assets | 85.1178% | 2,671 |
| Equity capital to assets | 14.5563% | 843 |
| Core capital (leverage) ratio | 14.9293% | 676 |
| Tier 1 risk-based capital ratio | 18.6185% | 1,702 |
| Total risk-based capital ratio | 19.8713% | 1,649 |
| Memoranda: | ||
| Average total assets | $115,635,250 | 4,008 |
| Average earning assets | $108,370,500 | 3,989 |
| Average equity | $17,160,500 | 3,508 |
| Average total loans | $83,230,250 | 3,700 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4844% | 1,556 |
| Cost of funding earning assets | 0.3753% | 3,337 |
| Net interest margin | 4.1092% | 1,304 |
| Noninterest income to average assets | 0.1211% | 5,444 |
| Noninterest expense to average assets | 2.4813% | 3,806 |
| Loan and lease loss provision to assets | -0.0175% | 5,560 |
| Net operating income to assets | 0.9581% | 2,618 |
| Return on assets (ROA) | 0.9581% | 2,679 |
| Pretax return on assets | 1.5004% | 1,632 |
| Return on Equity (ROE) | 6.4130% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.4130% | 1,896 |
| Net charge-offs to loans | -0.2766% | 5,631 |
| Credit loss provision to net charge-offs | 8.9286% | 2,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5941% | 3,887 |
| Assets per employee ($millions) | 7.0420% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5308% | 1,475 |
| Loan loss allowance to noncurrent loans | 348.7871% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 3,808 |
| Noncurrent loans to loans | 0.4389% | 3,440 |
| Net loans and leases to total assets | 73.8755% | 1,896 |
| Net loans and leases to deposits | 87.4467% | 2,051 |
| Net loans and leases to core deposits | 88.4390% | 2,665 |
| Total domestic deposits to total assets | 84.4806% | 3,018 |
| Equity capital to assets | 15.3135% | 650 |
| Core capital (leverage) ratio | 14.9285% | 647 |
| Tier 1 risk-based capital ratio | 19.1216% | 1,574 |
| Total risk-based capital ratio | 20.3737% | 1,516 |
| Memoranda: | ||
| Average total assets | $113,973,330 | 4,061 |
| Average earning assets | $106,591,000 | 4,037 |
| Average equity | $17,028,000 | 3,531 |
| Average total loans | $80,992,330 | 3,769 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4673% | 1,452 |
| Cost of funding earning assets | 0.3785% | 3,215 |
| Net interest margin | 4.0888% | 1,236 |
| Noninterest income to average assets | 0.1012% | 5,588 |
| Noninterest expense to average assets | 2.3904% | 4,140 |
| Loan and lease loss provision to assets | -0.0349% | 5,696 |
| Net operating income to assets | 0.9911% | 2,345 |
| Return on assets (ROA) | 0.9911% | 2,397 |
| Pretax return on assets | 1.5529% | 1,372 |
| Return on Equity (ROE) | 6.7159% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.7159% | 1,970 |
| Net charge-offs to loans | -0.3989% | 5,718 |
| Credit loss provision to net charge-offs | 12.6582% | 2,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1607% | 4,293 |
| Assets per employee ($millions) | 7.2434% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6050% | 1,367 |
| Loan loss allowance to noncurrent loans | 339.8922% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 3,914 |
| Noncurrent loans to loans | 0.4722% | 3,401 |
| Net loans and leases to total assets | 66.7049% | 2,860 |
| Net loans and leases to deposits | 78.3776% | 2,934 |
| Net loans and leases to core deposits | 79.6306% | 3,328 |
| Total domestic deposits to total assets | 85.1071% | 3,044 |
| Equity capital to assets | 14.7367% | 702 |
| Core capital (leverage) ratio | 14.6568% | 676 |
| Tier 1 risk-based capital ratio | 20.2967% | 1,332 |
| Total risk-based capital ratio | 21.5507% | 1,299 |
| Memoranda: | ||
| Average total assets | $114,624,000 | 4,087 |
| Average earning assets | $106,730,500 | 4,071 |
| Average equity | $16,915,000 | 3,558 |
| Average total loans | $79,223,000 | 3,830 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3177% | 2,088 |
| Cost of funding earning assets | 0.3706% | 3,311 |
| Net interest margin | 3.9471% | 1,799 |
| Noninterest income to average assets | 0.1217% | 5,575 |
| Noninterest expense to average assets | 2.5457% | 3,857 |
| Loan and lease loss provision to assets | -0.0369% | 5,554 |
| Net operating income to assets | 0.8007% | 3,300 |
| Return on assets (ROA) | 0.8166% | 3,335 |
| Pretax return on assets | 1.2701% | 2,400 |
| Return on Equity (ROE) | 5.3957% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.3957% | 2,079 |
| Net charge-offs to loans | 0.1144% | 2,115 |
| Credit loss provision to net charge-offs | -45.9770% | 4,812 |
| Earnings coverage of net charge-offs (x) | 15.0690% | 2,236 |
| Efficiency ratio | 67.8124% | 3,275 |
| Assets per employee ($millions) | 7.0846% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 1,700 |
| Loan loss allowance to noncurrent loans | 270.2948% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 3,712 |
| Noncurrent loans to loans | 0.5521% | 3,190 |
| Net loans and leases to total assets | 69.4162% | 2,560 |
| Net loans and leases to deposits | 81.6804% | 2,703 |
| Net loans and leases to core deposits | 82.3110% | 3,189 |
| Total domestic deposits to total assets | 84.9851% | 3,054 |
| Equity capital to assets | 14.7776% | 677 |
| Core capital (leverage) ratio | 14.4502% | 704 |
| Tier 1 risk-based capital ratio | 19.2925% | 1,526 |
| Total risk-based capital ratio | 20.5464% | 1,483 |
| Memoranda: | ||
| Average total assets | $108,497,400 | 4,201 |
| Average earning assets | $99,845,000 | 4,206 |
| Average equity | $16,420,600 | 3,634 |
| Average total loans | $76,034,600 | 3,899 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 1,924 |
| Cost of funding earning assets | 0.3658% | 3,378 |
| Net interest margin | 4.0100% | 1,622 |
| Noninterest income to average assets | 0.1317% | 5,596 |
| Noninterest expense to average assets | 2.5552% | 3,807 |
| Loan and lease loss provision to assets | -0.0621% | 5,738 |
| Net operating income to assets | 0.8460% | 3,173 |
| Return on assets (ROA) | 0.8675% | 3,187 |
| Pretax return on assets | 1.3509% | 2,232 |
| Return on Equity (ROE) | 5.6962% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.6962% | 2,357 |
| Net charge-offs to loans | 0.2131% | 1,090 |
| Credit loss provision to net charge-offs | -41.6667% | 4,673 |
| Earnings coverage of net charge-offs (x) | 8.4164% | 2,770 |
| Efficiency ratio | 67.0581% | 3,414 |
| Assets per employee ($millions) | 6.5331% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5038% | 1,754 |
| Loan loss allowance to noncurrent loans | 253.0837% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.4088% | 3,795 |
| Noncurrent loans to loans | 0.5942% | 3,226 |
| Net loans and leases to total assets | 67.7631% | 2,827 |
| Net loans and leases to deposits | 80.0253% | 2,958 |
| Net loans and leases to core deposits | 80.6548% | 3,383 |
| Total domestic deposits to total assets | 84.6770% | 2,954 |
| Equity capital to assets | 15.0763% | 723 |
| Core capital (leverage) ratio | 14.9704% | 642 |
| Tier 1 risk-based capital ratio | 19.8930% | 1,463 |
| Total risk-based capital ratio | 21.1472% | 1,430 |
| Memoranda: | ||
| Average total assets | $107,283,250 | 4,253 |
| Average earning assets | $98,417,250 | 4,264 |
| Average equity | $16,338,000 | 3,681 |
| Average total loans | $75,073,750 | 3,951 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4495% | 1,678 |
| Cost of funding earning assets | 0.3670% | 3,388 |
| Net interest margin | 4.0824% | 1,409 |
| Noninterest income to average assets | 0.1358% | 5,629 |
| Noninterest expense to average assets | 2.5994% | 3,723 |
| Loan and lease loss provision to assets | -0.1132% | 5,888 |
| Net operating income to assets | 0.8880% | 2,921 |
| Return on assets (ROA) | 0.9205% | 2,901 |
| Pretax return on assets | 1.4355% | 1,887 |
| Return on Equity (ROE) | 6.0237% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.0237% | 2,104 |
| Net charge-offs to loans | -0.2224% | 5,826 |
| Credit loss provision to net charge-offs | 72.2892% | 2,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1540% | 3,510 |
| Assets per employee ($millions) | 6.7261% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7578% | 1,160 |
| Loan loss allowance to noncurrent loans | 1,944.9275% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,301 |
| Noncurrent loans to loans | 0.0904% | 5,090 |
| Net loans and leases to total assets | 69.6962% | 2,522 |
| Net loans and leases to deposits | 82.5528% | 2,644 |
| Net loans and leases to core deposits | 83.2464% | 3,145 |
| Total domestic deposits to total assets | 84.4263% | 3,114 |
| Equity capital to assets | 15.3154% | 666 |
| Core capital (leverage) ratio | 14.8445% | 637 |
| Tier 1 risk-based capital ratio | 19.7024% | 1,521 |
| Total risk-based capital ratio | 20.9606% | 1,480 |
| Memoranda: | ||
| Average total assets | $106,023,670 | 4,309 |
| Average earning assets | $97,000,670 | 4,326 |
| Average equity | $16,202,670 | 3,708 |
| Average total loans | $74,629,000 | 3,984 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3031% | 2,125 |
| Cost of funding earning assets | 0.3756% | 3,347 |
| Net interest margin | 3.9275% | 1,854 |
| Noninterest income to average assets | 0.1597% | 5,536 |
| Noninterest expense to average assets | 2.6381% | 3,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7088% | 3,672 |
| Return on assets (ROA) | 0.7755% | 3,472 |
| Pretax return on assets | 1.2012% | 2,697 |
| Return on Equity (ROE) | 5.0800% | 4,447 |
| Retained earnings to average equity (ytd only) | 5.0800% | 2,887 |
| Net charge-offs to loans | -0.1952% | 5,845 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6002% | 3,027 |
| Assets per employee ($millions) | 6.8342% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 1,199 |
| Loan loss allowance to noncurrent loans | 1,963.7681% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0631% | 5,351 |
| Noncurrent loans to loans | 0.0904% | 5,114 |
| Net loans and leases to total assets | 68.5268% | 2,576 |
| Net loans and leases to deposits | 80.9131% | 2,682 |
| Net loans and leases to core deposits | 81.5764% | 3,171 |
| Total domestic deposits to total assets | 84.6919% | 3,244 |
| Equity capital to assets | 14.7805% | 747 |
| Core capital (leverage) ratio | 14.7084% | 664 |
| Tier 1 risk-based capital ratio | 19.5699% | 1,598 |
| Total risk-based capital ratio | 20.8307% | 1,565 |
| Memoranda: | ||
| Average total assets | $105,227,000 | 4,364 |
| Average earning assets | $95,838,000 | 4,384 |
| Average equity | $16,063,000 | 3,726 |
| Average total loans | $73,770,000 | 4,029 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,322 |
| Cost of funding earning assets | 0.4064% | 3,087 |
| Net interest margin | 3.5903% | 3,175 |
| Noninterest income to average assets | 0.1625% | 5,610 |
| Noninterest expense to average assets | 2.5447% | 4,089 |
| Loan and lease loss provision to assets | -0.3485% | 6,088 |
| Net operating income to assets | 0.7945% | 3,362 |
| Return on assets (ROA) | 0.8265% | 3,293 |
| Pretax return on assets | 1.3044% | 2,270 |
| Return on Equity (ROE) | 5.6538% | 4,204 |
| Retained earnings to average equity (ytd only) | 5.6538% | 1,981 |
| Net charge-offs to loans | -0.5747% | 6,095 |
| Credit loss provision to net charge-offs | 87.6485% | 2,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7476% | 2,622 |
| Assets per employee ($millions) | 6.3192% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8512% | 1,051 |
| Loan loss allowance to noncurrent loans | 405.8462% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6429% | 3,128 |
| Noncurrent loans to loans | 0.4561% | 3,836 |
| Net loans and leases to total assets | 69.1683% | 2,505 |
| Net loans and leases to deposits | 82.6907% | 2,513 |
| Net loans and leases to core deposits | 83.4296% | 3,008 |
| Total domestic deposits to total assets | 83.6470% | 3,615 |
| Equity capital to assets | 15.7892% | 549 |
| Core capital (leverage) ratio | 14.7323% | 668 |
| Tier 1 risk-based capital ratio | 20.2787% | 1,429 |
| Total risk-based capital ratio | 21.5432% | 1,402 |
| Memoranda: | ||
| Average total assets | $105,868,400 | 4,337 |
| Average earning assets | $96,956,800 | 4,373 |
| Average equity | $15,476,200 | 3,760 |
| Average total loans | $73,249,600 | 4,018 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,636 |
| Cost of funding earning assets | 0.4156% | 3,059 |
| Net interest margin | 3.5136% | 3,487 |
| Noninterest income to average assets | 0.1158% | 5,896 |
| Noninterest expense to average assets | 2.4534% | 4,336 |
| Loan and lease loss provision to assets | -0.0859% | 5,976 |
| Net operating income to assets | 0.6134% | 4,311 |
| Return on assets (ROA) | 0.6302% | 4,348 |
| Pretax return on assets | 0.9963% | 3,632 |
| Return on Equity (ROE) | 4.3939% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.3939% | 3,347 |
| Net charge-offs to loans | -0.2296% | 6,026 |
| Credit loss provision to net charge-offs | 54.3307% | 2,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5075% | 2,638 |
| Assets per employee ($millions) | 6.5737% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8744% | 1,130 |
| Loan loss allowance to noncurrent loans | 133.1658% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.9460% | 2,492 |
| Noncurrent loans to loans | 1.4076% | 1,805 |
| Net loans and leases to total assets | 65.9495% | 3,021 |
| Net loans and leases to deposits | 77.9566% | 3,101 |
| Net loans and leases to core deposits | 78.9090% | 3,517 |
| Total domestic deposits to total assets | 84.5977% | 3,177 |
| Equity capital to assets | 14.8956% | 764 |
| Core capital (leverage) ratio | 13.5940% | 978 |
| Tier 1 risk-based capital ratio | 19.8471% | 1,589 |
| Total risk-based capital ratio | 21.1146% | 1,547 |
| Memoranda: | ||
| Average total assets | $107,058,750 | 4,364 |
| Average earning assets | $98,168,250 | 4,379 |
| Average equity | $15,354,250 | 3,812 |
| Average total loans | $73,748,750 | 4,040 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9178% | 3,622 |
| Cost of funding earning assets | 0.4277% | 2,956 |
| Net interest margin | 3.4901% | 3,540 |
| Noninterest income to average assets | 0.1133% | 5,978 |
| Noninterest expense to average assets | 2.3996% | 4,550 |
| Loan and lease loss provision to assets | 0.1040% | 2,091 |
| Net operating income to assets | 0.5355% | 4,631 |
| Return on assets (ROA) | 0.5609% | 4,621 |
| Pretax return on assets | 0.8618% | 4,091 |
| Return on Equity (ROE) | 3.9607% | 5,029 |
| Retained earnings to average equity (ytd only) | 3.9607% | 3,490 |
| Net charge-offs to loans | -0.2300% | 6,061 |
| Credit loss provision to net charge-offs | -65.1163% | 4,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1385% | 2,986 |
| Assets per employee ($millions) | 7.2467% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 1,184 |
| Loan loss allowance to noncurrent loans | 141.4659% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 2,695 |
| Noncurrent loans to loans | 1.3369% | 2,008 |
| Net loans and leases to total assets | 67.2404% | 2,761 |
| Net loans and leases to deposits | 78.5823% | 2,961 |
| Net loans and leases to core deposits | 79.4960% | 3,442 |
| Total domestic deposits to total assets | 85.5668% | 2,890 |
| Equity capital to assets | 14.1231% | 949 |
| Core capital (leverage) ratio | 13.1461% | 1,116 |
| Tier 1 risk-based capital ratio | 18.4776% | 1,927 |
| Total risk-based capital ratio | 19.7463% | 1,889 |
| Memoranda: | ||
| Average total assets | $107,685,330 | 4,391 |
| Average earning assets | $99,136,330 | 4,390 |
| Average equity | $15,250,000 | 3,849 |
| Average total loans | $74,768,330 | 4,037 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 3,492 |
| Cost of funding earning assets | 0.4355% | 2,926 |
| Net interest margin | 3.4960% | 3,454 |
| Noninterest income to average assets | 0.1194% | 6,002 |
| Noninterest expense to average assets | 2.4669% | 4,382 |
| Loan and lease loss provision to assets | 0.1530% | 1,332 |
| Net operating income to assets | 0.4840% | 4,750 |
| Return on assets (ROA) | 0.4889% | 4,859 |
| Pretax return on assets | 0.7427% | 4,456 |
| Return on Equity (ROE) | 3.4476% | 5,199 |
| Retained earnings to average equity (ytd only) | 3.4476% | 3,921 |
| Net charge-offs to loans | -0.1869% | 6,039 |
| Credit loss provision to net charge-offs | -117.1429% | 4,514 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5261% | 2,895 |
| Assets per employee ($millions) | 6.8933% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 1,600 |
| Loan loss allowance to noncurrent loans | 198.9630% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 3,651 |
| Noncurrent loans to loans | 0.8827% | 3,039 |
| Net loans and leases to total assets | 68.1192% | 2,420 |
| Net loans and leases to deposits | 79.5447% | 2,612 |
| Net loans and leases to core deposits | 80.4510% | 3,110 |
| Total domestic deposits to total assets | 85.6363% | 3,120 |
| Equity capital to assets | 13.8859% | 1,019 |
| Core capital (leverage) ratio | 13.8876% | 858 |
| Tier 1 risk-based capital ratio | 18.3529% | 2,048 |
| Total risk-based capital ratio | 19.6080% | 2,000 |
| Memoranda: | ||
| Average total assets | $107,177,500 | 4,433 |
| Average earning assets | $99,199,000 | 4,421 |
| Average equity | $15,199,000 | 3,886 |
| Average total loans | $74,902,500 | 4,054 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8339% | 4,378 |
| Cost of funding earning assets | 0.4772% | 2,911 |
| Net interest margin | 3.3567% | 4,384 |
| Noninterest income to average assets | 0.1143% | 6,107 |
| Noninterest expense to average assets | 2.3914% | 4,868 |
| Loan and lease loss provision to assets | -0.0836% | 6,115 |
| Net operating income to assets | 0.5849% | 4,446 |
| Return on assets (ROA) | 0.5855% | 4,521 |
| Pretax return on assets | 0.8997% | 3,904 |
| Return on Equity (ROE) | 4.3245% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.3245% | 3,115 |
| Net charge-offs to loans | -0.0582% | 5,971 |
| Credit loss provision to net charge-offs | 219.5122% | 1,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5797% | 2,736 |
| Assets per employee ($millions) | 6.5039% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 1,707 |
| Loan loss allowance to noncurrent loans | 184.6939% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 3,595 |
| Noncurrent loans to loans | 0.9355% | 2,982 |
| Net loans and leases to total assets | 69.2513% | 2,347 |
| Net loans and leases to deposits | 81.8669% | 2,489 |
| Net loans and leases to core deposits | 82.8638% | 3,013 |
| Total domestic deposits to total assets | 84.5901% | 3,459 |
| Equity capital to assets | 14.4941% | 815 |
| Core capital (leverage) ratio | 13.0676% | 1,111 |
| Tier 1 risk-based capital ratio | 18.7357% | 1,924 |
| Total risk-based capital ratio | 19.9912% | 1,888 |
| Memoranda: | ||
| Average total assets | $107,595,000 | 4,427 |
| Average earning assets | $99,116,600 | 4,420 |
| Average equity | $14,568,200 | 3,922 |
| Average total loans | $70,450,600 | 4,173 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7788% | 4,623 |
| Cost of funding earning assets | 0.4817% | 2,942 |
| Net interest margin | 3.2971% | 4,615 |
| Noninterest income to average assets | 0.1057% | 6,225 |
| Noninterest expense to average assets | 2.3562% | 4,950 |
| Loan and lease loss provision to assets | -0.1106% | 6,295 |
| Net operating income to assets | 0.5732% | 4,578 |
| Return on assets (ROA) | 0.5740% | 4,649 |
| Pretax return on assets | 0.8813% | 4,070 |
| Return on Equity (ROE) | 4.3121% | 5,035 |
| Retained earnings to average equity (ytd only) | 4.3121% | 3,585 |
| Net charge-offs to loans | -0.1759% | 6,284 |
| Credit loss provision to net charge-offs | 97.8261% | 2,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3834% | 2,598 |
| Assets per employee ($millions) | 7.2084% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 1,450 |
| Loan loss allowance to noncurrent loans | 133.6714% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.9119% | 3,165 |
| Noncurrent loans to loans | 1.4230% | 2,285 |
| Net loans and leases to total assets | 62.8618% | 3,361 |
| Net loans and leases to deposits | 73.0436% | 3,560 |
| Net loans and leases to core deposits | 74.7210% | 3,878 |
| Total domestic deposits to total assets | 86.0607% | 2,817 |
| Equity capital to assets | 13.6239% | 1,135 |
| Core capital (leverage) ratio | 12.8148% | 1,259 |
| Tier 1 risk-based capital ratio | 19.1056% | 1,880 |
| Total risk-based capital ratio | 20.3631% | 1,842 |
| Memoranda: | ||
| Average total assets | $108,478,000 | 4,451 |
| Average earning assets | $99,357,500 | 4,452 |
| Average equity | $14,439,500 | 3,970 |
| Average total loans | $69,730,250 | 4,230 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 4,587 |
| Cost of funding earning assets | 0.4856% | 2,970 |
| Net interest margin | 3.2969% | 4,601 |
| Noninterest income to average assets | 0.0958% | 6,301 |
| Noninterest expense to average assets | 2.3003% | 5,154 |
| Loan and lease loss provision to assets | -0.0829% | 6,353 |
| Net operating income to assets | 0.5881% | 4,416 |
| Return on assets (ROA) | 0.5893% | 4,502 |
| Pretax return on assets | 0.9061% | 3,869 |
| Return on Equity (ROE) | 4.4623% | 4,936 |
| Retained earnings to average equity (ytd only) | 4.4623% | 3,329 |
| Net charge-offs to loans | -0.1946% | 6,333 |
| Credit loss provision to net charge-offs | 66.1765% | 2,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6873% | 3,029 |
| Assets per employee ($millions) | 6.7164% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 1,498 |
| Loan loss allowance to noncurrent loans | 153.5550% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.8114% | 3,535 |
| Noncurrent loans to loans | 1.2598% | 2,705 |
| Net loans and leases to total assets | 63.1665% | 3,214 |
| Net loans and leases to deposits | 73.3608% | 3,405 |
| Net loans and leases to core deposits | 75.2859% | 3,707 |
| Total domestic deposits to total assets | 86.1039% | 2,993 |
| Equity capital to assets | 13.6020% | 1,123 |
| Core capital (leverage) ratio | 12.6470% | 1,312 |
| Tier 1 risk-based capital ratio | 18.8131% | 1,970 |
| Total risk-based capital ratio | 20.0711% | 1,935 |
| Memoranda: | ||
| Average total assets | $108,595,330 | 4,476 |
| Average earning assets | $99,669,330 | 4,479 |
| Average equity | $14,342,330 | 3,976 |
| Average total loans | $69,877,670 | 4,238 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6297% | 5,066 |
| Cost of funding earning assets | 0.4879% | 3,031 |
| Net interest margin | 3.1418% | 5,116 |
| Noninterest income to average assets | 0.0843% | 6,379 |
| Noninterest expense to average assets | 2.2755% | 5,262 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4690% | 4,847 |
| Return on assets (ROA) | 0.4690% | 4,920 |
| Pretax return on assets | 0.7109% | 4,458 |
| Return on Equity (ROE) | 3.6044% | 5,214 |
| Retained earnings to average equity (ytd only) | 3.6044% | 3,968 |
| Net charge-offs to loans | -0.1310% | 6,237 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1963% | 2,766 |
| Assets per employee ($millions) | 6.8694% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9586% | 1,603 |
| Loan loss allowance to noncurrent loans | 262.5490% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 4,746 |
| Noncurrent loans to loans | 0.7460% | 3,999 |
| Net loans and leases to total assets | 60.9821% | 3,402 |
| Net loans and leases to deposits | 70.3050% | 3,561 |
| Net loans and leases to core deposits | 72.3385% | 3,838 |
| Total domestic deposits to total assets | 86.7393% | 2,969 |
| Equity capital to assets | 13.0123% | 1,303 |
| Core capital (leverage) ratio | 12.0364% | 1,635 |
| Tier 1 risk-based capital ratio | 18.6581% | 2,071 |
| Total risk-based capital ratio | 19.9160% | 2,029 |
| Memoranda: | ||
| Average total assets | $109,162,000 | 4,502 |
| Average earning assets | $100,835,500 | 4,488 |
| Average equity | $14,205,000 | 4,010 |
| Average total loans | $70,207,000 | 4,257 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9792% | 4,155 |
| Cost of funding earning assets | 0.5027% | 3,582 |
| Net interest margin | 3.4765% | 4,000 |
| Noninterest income to average assets | 0.1866% | 5,972 |
| Noninterest expense to average assets | 2.4855% | 4,814 |
| Loan and lease loss provision to assets | 0.0870% | 3,366 |
| Net operating income to assets | 0.5363% | 4,571 |
| Return on assets (ROA) | 0.5678% | 4,529 |
| Pretax return on assets | 0.8754% | 3,871 |
| Return on Equity (ROE) | 4.5053% | 4,890 |
| Retained earnings to average equity (ytd only) | 4.5053% | 2,971 |
| Net charge-offs to loans | 0.0225% | 4,980 |
| Credit loss provision to net charge-offs | 606.2500% | 385 |
| Earnings coverage of net charge-offs (x) | 63.6875% | 656 |
| Efficiency ratio | 73.1135% | 3,274 |
| Assets per employee ($millions) | 6.7758% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8265% | 1,985 |
| Loan loss allowance to noncurrent loans | 182.7778% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 4,254 |
| Noncurrent loans to loans | 0.9993% | 3,515 |
| Net loans and leases to total assets | 65.2440% | 2,815 |
| Net loans and leases to deposits | 76.3930% | 2,926 |
| Net loans and leases to core deposits | 78.6630% | 3,282 |
| Total domestic deposits to total assets | 85.4058% | 3,552 |
| Equity capital to assets | 13.0132% | 1,265 |
| Core capital (leverage) ratio | 11.6370% | 1,864 |
| Tier 1 risk-based capital ratio | 17.7102% | 2,339 |
| Total risk-based capital ratio | 18.9667% | 2,315 |
| Memoranda: | ||
| Average total assets | $111,486,400 | 4,468 |
| Average earning assets | $103,035,800 | 4,435 |
| Average equity | $14,050,200 | 4,056 |
| Average total loans | $71,164,200 | 4,217 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9566% | 4,292 |
| Cost of funding earning assets | 0.5041% | 3,733 |
| Net interest margin | 3.4525% | 4,080 |
| Noninterest income to average assets | 0.2150% | 5,888 |
| Noninterest expense to average assets | 2.4788% | 4,789 |
| Loan and lease loss provision to assets | 0.0558% | 3,936 |
| Net operating income to assets | 0.5594% | 4,531 |
| Return on assets (ROA) | 0.5594% | 4,683 |
| Pretax return on assets | 0.8611% | 4,045 |
| Return on Equity (ROE) | 4.4741% | 4,989 |
| Retained earnings to average equity (ytd only) | 4.4741% | 3,487 |
| Net charge-offs to loans | -0.3026% | 6,728 |
| Credit loss provision to net charge-offs | -29.1925% | 5,665 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9976% | 3,218 |
| Assets per employee ($millions) | 6.9133% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0111% | 1,693 |
| Loan loss allowance to noncurrent loans | 195.7938% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6663% | 4,443 |
| Noncurrent loans to loans | 1.0272% | 3,744 |
| Net loans and leases to total assets | 63.5618% | 3,065 |
| Net loans and leases to deposits | 73.1298% | 3,372 |
| Net loans and leases to core deposits | 75.0141% | 3,731 |
| Total domestic deposits to total assets | 86.9164% | 2,742 |
| Equity capital to assets | 12.7247% | 1,463 |
| Core capital (leverage) ratio | 11.3868% | 2,138 |
| Tier 1 risk-based capital ratio | 17.7648% | 2,417 |
| Total risk-based capital ratio | 19.0245% | 2,380 |
| Memoranda: | ||
| Average total assets | $112,254,750 | 4,502 |
| Average earning assets | $103,418,750 | 4,461 |
| Average equity | $14,035,750 | 4,106 |
| Average total loans | $70,943,000 | 4,264 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 4,806 |
| Cost of funding earning assets | 0.5046% | 3,855 |
| Net interest margin | 3.3028% | 4,570 |
| Noninterest income to average assets | 0.2784% | 5,466 |
| Noninterest expense to average assets | 2.4964% | 4,746 |
| Loan and lease loss provision to assets | 0.0833% | 3,407 |
| Net operating income to assets | 0.4840% | 4,868 |
| Return on assets (ROA) | 0.4840% | 5,039 |
| Pretax return on assets | 0.7393% | 4,542 |
| Return on Equity (ROE) | 3.8937% | 5,258 |
| Retained earnings to average equity (ytd only) | 3.8937% | 3,819 |
| Net charge-offs to loans | 0.1641% | 2,800 |
| Credit loss provision to net charge-offs | 81.0345% | 2,604 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,466 |
| Efficiency ratio | 75.2137% | 2,910 |
| Assets per employee ($millions) | 6.7265% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7220% | 2,697 |
| Loan loss allowance to noncurrent loans | 124.6436% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8588% | 4,096 |
| Noncurrent loans to loans | 1.3815% | 3,235 |
| Net loans and leases to total assets | 61.0914% | 3,468 |
| Net loans and leases to deposits | 72.7741% | 3,342 |
| Net loans and leases to core deposits | 74.4485% | 3,739 |
| Total domestic deposits to total assets | 83.9467% | 4,339 |
| Equity capital to assets | 12.2213% | 1,761 |
| Core capital (leverage) ratio | 11.0459% | 2,309 |
| Tier 1 risk-based capital ratio | 17.2273% | 2,627 |
| Total risk-based capital ratio | 18.4830% | 2,596 |
| Memoranda: | ||
| Average total assets | $112,802,330 | 4,513 |
| Average earning assets | $103,850,330 | 4,482 |
| Average equity | $14,022,670 | 4,146 |
| Average total loans | $70,674,000 | 4,286 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 5,103 |
| Cost of funding earning assets | 0.5152% | 3,926 |
| Net interest margin | 3.2025% | 4,930 |
| Noninterest income to average assets | 0.3428% | 4,950 |
| Noninterest expense to average assets | 2.5172% | 4,696 |
| Loan and lease loss provision to assets | 0.0464% | 3,836 |
| Net operating income to assets | 0.4927% | 4,704 |
| Return on assets (ROA) | 0.4927% | 4,858 |
| Pretax return on assets | 0.7534% | 4,361 |
| Return on Equity (ROE) | 3.9298% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.9298% | 3,876 |
| Net charge-offs to loans | 0.4484% | 1,334 |
| Credit loss provision to net charge-offs | 16.4557% | 3,088 |
| Earnings coverage of net charge-offs (x) | 2.8354% | 2,925 |
| Efficiency ratio | 75.8881% | 2,940 |
| Assets per employee ($millions) | 6.7434% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6014% | 3,393 |
| Loan loss allowance to noncurrent loans | 111.6523% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0695% | 3,792 |
| Noncurrent loans to loans | 1.4343% | 3,417 |
| Net loans and leases to total assets | 62.6564% | 2,942 |
| Net loans and leases to deposits | 76.8625% | 2,506 |
| Net loans and leases to core deposits | 77.8016% | 3,103 |
| Total domestic deposits to total assets | 81.5175% | 5,354 |
| Equity capital to assets | 12.3188% | 1,829 |
| Core capital (leverage) ratio | 11.1715% | 2,116 |
| Tier 1 risk-based capital ratio | 16.8116% | 2,855 |
| Total risk-based capital ratio | 18.0660% | 2,816 |
| Memoranda: | ||
| Average total assets | $112,028,500 | 4,578 |
| Average earning assets | $104,042,500 | 4,514 |
| Average equity | $14,046,500 | 4,188 |
| Average total loans | $70,470,000 | 4,330 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8375% | 5,743 |
| Cost of funding earning assets | 0.6611% | 3,826 |
| Net interest margin | 3.1764% | 5,626 |
| Noninterest income to average assets | 0.1302% | 6,391 |
| Noninterest expense to average assets | 2.6691% | 4,510 |
| Loan and lease loss provision to assets | -0.0177% | 6,831 |
| Net operating income to assets | 0.2424% | 5,656 |
| Return on assets (ROA) | 0.3011% | 5,672 |
| Pretax return on assets | 0.4667% | 5,380 |
| Return on Equity (ROE) | 2.4783% | 5,754 |
| Retained earnings to average equity (ytd only) | 2.4783% | 4,485 |
| Net charge-offs to loans | 0.5525% | 2,083 |
| Credit loss provision to net charge-offs | -5.3763% | 6,208 |
| Earnings coverage of net charge-offs (x) | 1.0887% | 4,915 |
| Efficiency ratio | 88.1544% | 1,232 |
| Assets per employee ($millions) | 6.4364% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 2,535 |
| Loan loss allowance to noncurrent loans | 115.5285% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1406% | 3,753 |
| Noncurrent loans to loans | 1.5734% | 3,260 |
| Net loans and leases to total assets | 60.9656% | 3,425 |
| Net loans and leases to deposits | 71.2913% | 3,521 |
| Net loans and leases to core deposits | 73.3547% | 3,869 |
| Total domestic deposits to total assets | 85.5162% | 3,601 |
| Equity capital to assets | 12.7683% | 1,554 |
| Core capital (leverage) ratio | 11.0087% | 2,247 |
| Tier 1 risk-based capital ratio | 17.8265% | 2,323 |
| Total risk-based capital ratio | 19.0838% | 2,294 |
| Memoranda: | ||
| Average total assets | $112,922,800 | 4,521 |
| Average earning assets | $103,010,000 | 4,512 |
| Average equity | $13,719,200 | 4,221 |
| Average total loans | $67,328,200 | 4,445 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8520% | 5,900 |
| Cost of funding earning assets | 0.6870% | 3,891 |
| Net interest margin | 3.1651% | 5,785 |
| Noninterest income to average assets | 0.1980% | 6,111 |
| Noninterest expense to average assets | 2.6549% | 4,539 |
| Loan and lease loss provision to assets | 0.0187% | 5,567 |
| Net operating income to assets | 0.2505% | 5,782 |
| Return on assets (ROA) | 0.2917% | 5,841 |
| Pretax return on assets | 0.4605% | 5,561 |
| Return on Equity (ROE) | 2.4310% | 5,907 |
| Retained earnings to average equity (ytd only) | 2.4310% | 5,114 |
| Net charge-offs to loans | 0.4585% | 2,265 |
| Credit loss provision to net charge-offs | 6.9264% | 5,110 |
| Earnings coverage of net charge-offs (x) | 1.5325% | 4,514 |
| Efficiency ratio | 86.4885% | 1,344 |
| Assets per employee ($millions) | 6.2694% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1001% | 1,906 |
| Loan loss allowance to noncurrent loans | 105.5306% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.6766% | 3,068 |
| Noncurrent loans to loans | 1.9901% | 2,852 |
| Net loans and leases to total assets | 58.3270% | 4,078 |
| Net loans and leases to deposits | 70.9717% | 3,759 |
| Net loans and leases to core deposits | 73.1031% | 4,100 |
| Total domestic deposits to total assets | 82.1834% | 4,955 |
| Equity capital to assets | 12.3509% | 1,997 |
| Core capital (leverage) ratio | 11.0255% | 2,357 |
| Tier 1 risk-based capital ratio | 17.9984% | 2,348 |
| Total risk-based capital ratio | 19.2586% | 2,318 |
| Memoranda: | ||
| Average total assets | $113,798,750 | 4,550 |
| Average earning assets | $103,249,750 | 4,562 |
| Average equity | $13,656,250 | 4,273 |
| Average total loans | $67,174,500 | 4,497 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8948% | 5,930 |
| Cost of funding earning assets | 0.7201% | 3,850 |
| Net interest margin | 3.1747% | 5,809 |
| Noninterest income to average assets | 0.1595% | 6,393 |
| Noninterest expense to average assets | 2.7166% | 4,340 |
| Loan and lease loss provision to assets | -0.0438% | 7,069 |
| Net operating income to assets | 0.2236% | 5,847 |
| Return on assets (ROA) | 0.2752% | 5,885 |
| Pretax return on assets | 0.4417% | 5,593 |
| Return on Equity (ROE) | 2.3152% | 5,946 |
| Retained earnings to average equity (ytd only) | 2.3152% | 5,036 |
| Net charge-offs to loans | -0.0596% | 6,713 |
| Credit loss provision to net charge-offs | 125.0000% | 2,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5436% | 1,108 |
| Assets per employee ($millions) | 6.7214% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3564% | 1,489 |
| Loan loss allowance to noncurrent loans | 104.9159% | 3,075 |
| Noncurrent assets plus other real estate owned to assets | 2.2518% | 2,481 |
| Noncurrent loans to loans | 2.2460% | 2,675 |
| Net loans and leases to total assets | 58.8208% | 4,018 |
| Net loans and leases to deposits | 67.2070% | 4,329 |
| Net loans and leases to core deposits | 69.0697% | 4,656 |
| Total domestic deposits to total assets | 87.5219% | 2,451 |
| Equity capital to assets | 12.0650% | 2,103 |
| Core capital (leverage) ratio | 10.3823% | 2,944 |
| Tier 1 risk-based capital ratio | 17.4166% | 2,504 |
| Total risk-based capital ratio | 18.6810% | 2,463 |
| Memoranda: | ||
| Average total assets | $114,115,000 | 4,561 |
| Average earning assets | $103,317,000 | 4,590 |
| Average equity | $13,562,330 | 4,288 |
| Average total loans | $67,154,670 | 4,520 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9134% | 5,989 |
| Cost of funding earning assets | 0.7480% | 3,876 |
| Net interest margin | 3.1654% | 5,862 |
| Noninterest income to average assets | 0.2105% | 6,117 |
| Noninterest expense to average assets | 2.7324% | 4,308 |
| Loan and lease loss provision to assets | -0.0877% | 7,171 |
| Net operating income to assets | 0.2701% | 5,750 |
| Return on assets (ROA) | 0.2701% | 5,915 |
| Pretax return on assets | 0.4455% | 5,599 |
| Return on Equity (ROE) | 2.2899% | 5,975 |
| Retained earnings to average equity (ytd only) | 2.2899% | 5,112 |
| Net charge-offs to loans | -0.2051% | 6,997 |
| Credit loss provision to net charge-offs | 73.5294% | 2,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4222% | 1,229 |
| Assets per employee ($millions) | 5.9278% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4345% | 1,456 |
| Loan loss allowance to noncurrent loans | 91.0913% | 3,312 |
| Noncurrent assets plus other real estate owned to assets | 2.4174% | 2,447 |
| Noncurrent loans to loans | 2.6726% | 2,438 |
| Net loans and leases to total assets | 55.3021% | 4,510 |
| Net loans and leases to deposits | 66.6287% | 4,289 |
| Net loans and leases to core deposits | 71.1353% | 4,270 |
| Total domestic deposits to total assets | 83.0004% | 4,926 |
| Equity capital to assets | 11.4562% | 2,480 |
| Core capital (leverage) ratio | 10.4653% | 2,790 |
| Tier 1 risk-based capital ratio | 16.8736% | 2,728 |
| Total risk-based capital ratio | 18.1372% | 2,677 |
| Memoranda: | ||
| Average total assets | $114,040,500 | 4,598 |
| Average earning assets | $103,746,000 | 4,607 |
| Average equity | $13,450,500 | 4,311 |
| Average total loans | $66,315,500 | 4,574 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 6,270 |
| Cost of funding earning assets | 1.3259% | 1,363 |
| Net interest margin | 2.7818% | 6,838 |
| Noninterest income to average assets | -0.3157% | 7,209 |
| Noninterest expense to average assets | 4.0877% | 926 |
| Loan and lease loss provision to assets | 0.2544% | 3,664 |
| Net operating income to assets | -1.3019% | 6,859 |
| Return on assets (ROA) | -1.0337% | 6,772 |
| Pretax return on assets | -1.7407% | 6,955 |
| Return on Equity (ROE) | -8.8301% | 6,708 |
| Retained earnings to average equity (ytd only) | -8.8301% | 6,663 |
| Net charge-offs to loans | 1.3360% | 1,233 |
| Credit loss provision to net charge-offs | 33.4807% | 5,735 |
| Earnings coverage of net charge-offs (x) | -2.5072% | 6,302 |
| Efficiency ratio | 187.3028% | 70 |
| Assets per employee ($millions) | 5.4763% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4866% | 1,336 |
| Loan loss allowance to noncurrent loans | 60.3935% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 3.2303% | 1,847 |
| Noncurrent loans to loans | 4.1173% | 1,502 |
| Net loans and leases to total assets | 58.2552% | 4,326 |
| Net loans and leases to deposits | 66.6444% | 4,645 |
| Net loans and leases to core deposits | 71.4571% | 4,598 |
| Total domestic deposits to total assets | 87.4120% | 2,522 |
| Equity capital to assets | 12.1607% | 2,003 |
| Core capital (leverage) ratio | 10.1097% | 3,213 |
| Tier 1 risk-based capital ratio | 17.2074% | 2,507 |
| Total risk-based capital ratio | 18.4723% | 2,467 |
| Memoranda: | ||
| Average total assets | $119,088,800 | 4,427 |
| Average earning assets | $106,944,200 | 4,480 |
| Average equity | $13,941,000 | 4,119 |
| Average total loans | $67,739,800 | 4,570 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 6,341 |
| Cost of funding earning assets | 1.4512% | 1,024 |
| Net interest margin | 2.6817% | 7,000 |
| Noninterest income to average assets | -0.3040% | 7,297 |
| Noninterest expense to average assets | 4.7326% | 469 |
| Loan and lease loss provision to assets | 0.3326% | 2,885 |
| Net operating income to assets | -1.8431% | 7,106 |
| Return on assets (ROA) | -1.4905% | 7,052 |
| Pretax return on assets | -2.4168% | 7,192 |
| Return on Equity (ROE) | -12.8445% | 6,967 |
| Retained earnings to average equity (ytd only) | -12.8445% | 6,941 |
| Net charge-offs to loans | 0.5465% | 2,601 |
| Credit loss provision to net charge-offs | 108.2143% | 3,053 |
| Earnings coverage of net charge-offs (x) | -8.5751% | 6,130 |
| Efficiency ratio | 225.6410% | 34 |
| Assets per employee ($millions) | 5.7881% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3580% | 632 |
| Loan loss allowance to noncurrent loans | 62.0728% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 4.2007% | 1,456 |
| Noncurrent loans to loans | 5.4098% | 1,105 |
| Net loans and leases to total assets | 53.3213% | 5,272 |
| Net loans and leases to deposits | 65.2741% | 5,017 |
| Net loans and leases to core deposits | 70.1732% | 4,934 |
| Total domestic deposits to total assets | 81.6882% | 5,197 |
| Equity capital to assets | 10.8737% | 3,269 |
| Core capital (leverage) ratio | 8.8585% | 5,169 |
| Tier 1 risk-based capital ratio | 16.1980% | 3,016 |
| Total risk-based capital ratio | 17.4727% | 2,967 |
| Memoranda: | ||
| Average total assets | $121,479,750 | 4,380 |
| Average earning assets | $108,782,750 | 4,462 |
| Average equity | $14,096,500 | 4,105 |
| Average total loans | $68,317,000 | 4,589 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2504% | 6,159 |
| Cost of funding earning assets | 1.4717% | 1,109 |
| Net interest margin | 2.7787% | 6,950 |
| Noninterest income to average assets | 0.0428% | 7,073 |
| Noninterest expense to average assets | 2.7368% | 4,670 |
| Loan and lease loss provision to assets | -0.2371% | 7,456 |
| Net operating income to assets | 0.0308% | 6,167 |
| Return on assets (ROA) | 0.0379% | 6,230 |
| Pretax return on assets | 0.0527% | 6,180 |
| Return on Equity (ROE) | 0.3197% | 6,242 |
| Retained earnings to average equity (ytd only) | 0.3197% | 5,716 |
| Net charge-offs to loans | 0.8671% | 1,784 |
| Credit loss provision to net charge-offs | -48.3221% | 6,245 |
| Earnings coverage of net charge-offs (x) | -0.3960% | 5,494 |
| Efficiency ratio | 107.6425% | 522 |
| Assets per employee ($millions) | 6.0441% | 1,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5823% | 1,330 |
| Loan loss allowance to noncurrent loans | 56.7122% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 3.9204% | 1,646 |
| Noncurrent loans to loans | 4.5534% | 1,448 |
| Net loans and leases to total assets | 53.1128% | 5,414 |
| Net loans and leases to deposits | 67.5166% | 4,785 |
| Net loans and leases to core deposits | 75.1022% | 4,418 |
| Total domestic deposits to total assets | 78.6663% | 6,156 |
| Equity capital to assets | 11.5083% | 2,493 |
| Core capital (leverage) ratio | 10.7262% | 2,495 |
| Tier 1 risk-based capital ratio | 18.8258% | 1,900 |
| Total risk-based capital ratio | 20.0908% | 1,864 |
| Memoranda: | ||
| Average total assets | $121,456,330 | 4,407 |
| Average earning assets | $109,260,330 | 4,469 |
| Average equity | $14,389,670 | 4,040 |
| Average total loans | $68,734,670 | 4,624 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 5,490 |
| Cost of funding earning assets | 1.4860% | 1,228 |
| Net interest margin | 2.9720% | 6,626 |
| Noninterest income to average assets | -0.2089% | 7,436 |
| Noninterest expense to average assets | 3.0121% | 3,593 |
| Loan and lease loss provision to assets | -0.4852% | 7,535 |
| Net operating income to assets | -0.0476% | 6,411 |
| Return on assets (ROA) | 0.0337% | 6,307 |
| Pretax return on assets | 0.0472% | 6,272 |
| Return on Equity (ROE) | 0.2801% | 6,315 |
| Retained earnings to average equity (ytd only) | 0.2801% | 5,696 |
| Net charge-offs to loans | -0.4029% | 7,384 |
| Credit loss provision to net charge-offs | 208.6957% | 1,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.4658% | 323 |
| Assets per employee ($millions) | 5.3921% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0361% | 888 |
| Loan loss allowance to noncurrent loans | 47.0820% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 4.5195% | 1,438 |
| Noncurrent loans to loans | 6.4485% | 934 |
| Net loans and leases to total assets | 55.4697% | 5,085 |
| Net loans and leases to deposits | 70.7791% | 4,226 |
| Net loans and leases to core deposits | 81.7563% | 3,485 |
| Total domestic deposits to total assets | 78.3702% | 6,323 |
| Equity capital to assets | 11.5361% | 2,234 |
| Core capital (leverage) ratio | 11.2699% | 1,987 |
| Tier 1 risk-based capital ratio | 18.8169% | 1,861 |
| Total risk-based capital ratio | 20.0901% | 1,815 |
| Memoranda: | ||
| Average total assets | $118,721,500 | 4,521 |
| Average earning assets | $106,595,000 | 4,575 |
| Average equity | $14,281,000 | 4,056 |
| Average total loans | $68,501,500 | 4,668 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8868% | 5,097 |
| Cost of funding earning assets | 1.7432% | 1,408 |
| Net interest margin | 3.1437% | 6,404 |
| Noninterest income to average assets | 0.3151% | 5,542 |
| Noninterest expense to average assets | 3.6974% | 1,704 |
| Loan and lease loss provision to assets | -0.1617% | 7,615 |
| Net operating income to assets | -0.3020% | 6,219 |
| Return on assets (ROA) | 0.1010% | 5,726 |
| Pretax return on assets | 0.1378% | 5,625 |
| Return on Equity (ROE) | 0.7497% | 5,767 |
| Retained earnings to average equity (ytd only) | 0.7497% | 5,179 |
| Net charge-offs to loans | 1.3333% | 1,672 |
| Credit loss provision to net charge-offs | -19.7309% | 6,991 |
| Earnings coverage of net charge-offs (x) | -0.7029% | 6,527 |
| Efficiency ratio | 118.4520% | 422 |
| Assets per employee ($millions) | 5.6712% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3744% | 643 |
| Loan loss allowance to noncurrent loans | 44.5177% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 5.7871% | 1,047 |
| Noncurrent loans to loans | 7.5799% | 710 |
| Net loans and leases to total assets | 56.2729% | 5,301 |
| Net loans and leases to deposits | 75.5778% | 3,909 |
| Net loans and leases to core deposits | 90.0570% | 2,756 |
| Total domestic deposits to total assets | 74.4569% | 6,835 |
| Equity capital to assets | 12.5679% | 1,594 |
| Core capital (leverage) ratio | 12.2014% | 1,428 |
| Tier 1 risk-based capital ratio | 19.0764% | 1,699 |
| Total risk-based capital ratio | 20.3509% | 1,660 |
| Memoranda: | ||
| Average total assets | $108,860,000 | 4,750 |
| Average earning assets | $97,179,600 | 4,801 |
| Average equity | $14,672,800 | 4,001 |
| Average total loans | $66,899,200 | 4,793 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9302% | 5,132 |
| Cost of funding earning assets | 1.8194% | 1,344 |
| Net interest margin | 3.1108% | 6,587 |
| Noninterest income to average assets | 0.5001% | 4,187 |
| Noninterest expense to average assets | 3.9014% | 1,201 |
| Loan and lease loss provision to assets | -0.1869% | 7,717 |
| Net operating income to assets | -0.3244% | 6,452 |
| Return on assets (ROA) | 0.1176% | 5,888 |
| Pretax return on assets | 0.1634% | 5,809 |
| Return on Equity (ROE) | 0.8571% | 5,929 |
| Retained earnings to average equity (ytd only) | 0.8571% | 5,458 |
| Net charge-offs to loans | 0.1073% | 5,473 |
| Credit loss provision to net charge-offs | -279.6296% | 6,973 |
| Earnings coverage of net charge-offs (x) | -9.5368% | 6,622 |
| Efficiency ratio | 119.5298% | 402 |
| Assets per employee ($millions) | 5.0186% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7837% | 203 |
| Loan loss allowance to noncurrent loans | 55.1749% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 6.9769% | 781 |
| Noncurrent loans to loans | 8.6701% | 569 |
| Net loans and leases to total assets | 58.3964% | 5,202 |
| Net loans and leases to deposits | 79.1308% | 3,612 |
| Net loans and leases to core deposits | 99.5423% | 1,891 |
| Total domestic deposits to total assets | 73.7973% | 6,945 |
| Equity capital to assets | 13.9672% | 1,171 |
| Core capital (leverage) ratio | 12.4132% | 1,455 |
| Tier 1 risk-based capital ratio | 19.2397% | 1,697 |
| Total risk-based capital ratio | 20.5293% | 1,660 |
| Memoranda: | ||
| Average total assets | $107,719,000 | 4,844 |
| Average earning assets | $95,707,750 | 4,902 |
| Average equity | $14,777,250 | 4,039 |
| Average total loans | $67,110,000 | 4,856 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 5,207 |
| Cost of funding earning assets | 1.8299% | 1,529 |
| Net interest margin | 3.1139% | 6,566 |
| Noninterest income to average assets | 0.6728% | 2,867 |
| Noninterest expense to average assets | 3.6094% | 1,754 |
| Loan and lease loss provision to assets | -0.2784% | 7,790 |
| Net operating income to assets | 0.0774% | 5,928 |
| Return on assets (ROA) | 0.0774% | 6,031 |
| Pretax return on assets | 0.0866% | 6,003 |
| Return on Equity (ROE) | 0.5677% | 6,069 |
| Retained earnings to average equity (ytd only) | 0.5677% | 5,537 |
| Net charge-offs to loans | -0.1089% | 7,565 |
| Credit loss provision to net charge-offs | 408.1081% | 891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6095% | 636 |
| Assets per employee ($millions) | 5.8409% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7603% | 207 |
| Loan loss allowance to noncurrent loans | 49.0825% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 6.7266% | 808 |
| Noncurrent loans to loans | 9.6986% | 465 |
| Net loans and leases to total assets | 57.3831% | 5,508 |
| Net loans and leases to deposits | 76.3015% | 4,275 |
| Net loans and leases to core deposits | 95.0648% | 2,580 |
| Total domestic deposits to total assets | 75.2057% | 6,824 |
| Equity capital to assets | 13.4604% | 1,359 |
| Core capital (leverage) ratio | 12.4287% | 1,435 |
| Tier 1 risk-based capital ratio | 17.7113% | 2,029 |
| Total risk-based capital ratio | 18.9991% | 1,990 |
| Memoranda: | ||
| Average total assets | $108,495,330 | 4,849 |
| Average earning assets | $95,635,000 | 4,940 |
| Average equity | $14,796,330 | 4,031 |
| Average total loans | $67,934,670 | 4,866 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0464% | 4,801 |
| Cost of funding earning assets | 1.8498% | 1,658 |
| Net interest margin | 3.1966% | 6,304 |
| Noninterest income to average assets | 0.6265% | 3,106 |
| Noninterest expense to average assets | 3.4833% | 2,026 |
| Loan and lease loss provision to assets | -0.1753% | 7,878 |
| Net operating income to assets | 0.0932% | 6,044 |
| Return on assets (ROA) | 0.0932% | 6,141 |
| Pretax return on assets | 0.1156% | 6,095 |
| Return on Equity (ROE) | 0.6791% | 6,216 |
| Retained earnings to average equity (ytd only) | 0.6791% | 5,552 |
| Net charge-offs to loans | -0.0759% | 7,464 |
| Credit loss provision to net charge-offs | 361.5385% | 1,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7429% | 791 |
| Assets per employee ($millions) | 4.7987% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7849% | 205 |
| Loan loss allowance to noncurrent loans | 47.3791% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 7.5655% | 668 |
| Noncurrent loans to loans | 10.0991% | 414 |
| Net loans and leases to total assets | 61.5046% | 4,855 |
| Net loans and leases to deposits | 82.9026% | 3,119 |
| Net loans and leases to core deposits | 111.8151% | 1,175 |
| Total domestic deposits to total assets | 74.1889% | 7,023 |
| Equity capital to assets | 13.9735% | 1,148 |
| Core capital (leverage) ratio | 12.2973% | 1,493 |
| Tier 1 risk-based capital ratio | 17.2988% | 2,152 |
| Total risk-based capital ratio | 18.5865% | 2,097 |
| Memoranda: | ||
| Average total assets | $107,254,500 | 4,949 |
| Average earning assets | $93,849,500 | 5,053 |
| Average equity | $14,725,500 | 4,075 |
| Average total loans | $68,469,500 | 4,915 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3283% | 5,035 |
| Cost of funding earning assets | 2.2761% | 1,748 |
| Net interest margin | 3.0521% | 6,515 |
| Noninterest income to average assets | -1.4376% | 7,998 |
| Noninterest expense to average assets | 2.8785% | 4,617 |
| Loan and lease loss provision to assets | 4.6547% | 244 |
| Net operating income to assets | -3.9095% | 7,586 |
| Return on assets (ROA) | -3.9095% | 7,587 |
| Pretax return on assets | -6.2574% | 7,824 |
| Return on Equity (ROE) | -32.3741% | 7,442 |
| Retained earnings to average equity (ytd only) | -32.3741% | 7,426 |
| Net charge-offs to loans | 6.1909% | 164 |
| Credit loss provision to net charge-offs | 111.1044% | 4,949 |
| Earnings coverage of net charge-offs (x) | -0.3826% | 6,613 |
| Efficiency ratio | 225.6242% | 107 |
| Assets per employee ($millions) | 4.9517% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7960% | 195 |
| Loan loss allowance to noncurrent loans | 46.3974% | 5,293 |
| Noncurrent assets plus other real estate owned to assets | 8.5471% | 488 |
| Noncurrent loans to loans | 10.3368% | 384 |
| Net loans and leases to total assets | 60.0782% | 5,322 |
| Net loans and leases to deposits | 80.4079% | 3,909 |
| Net loans and leases to core deposits | 108.1731% | 3,088 |
| Total domestic deposits to total assets | 74.7168% | 6,910 |
| Equity capital to assets | 13.4930% | 1,323 |
| Core capital (leverage) ratio | 11.9896% | 1,671 |
| Tier 1 risk-based capital ratio | 16.7961% | 2,206 |
| Total risk-based capital ratio | 18.0831% | 2,169 |
| Memoranda: | ||
| Average total assets | $119,299,200 | 4,594 |
| Average earning assets | $106,057,200 | 4,677 |
| Average equity | $14,406,600 | 4,172 |
| Average total loans | $80,731,000 | 4,484 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2489% | 5,691 |
| Cost of funding earning assets | 2.3485% | 1,813 |
| Net interest margin | 2.9005% | 6,859 |
| Noninterest income to average assets | -1.1781% | 8,080 |
| Noninterest expense to average assets | 2.6056% | 5,697 |
| Loan and lease loss provision to assets | 2.1658% | 806 |
| Net operating income to assets | -2.0838% | 7,352 |
| Return on assets (ROA) | -2.0838% | 7,351 |
| Pretax return on assets | -3.3516% | 7,581 |
| Return on Equity (ROE) | -17.7203% | 7,301 |
| Retained earnings to average equity (ytd only) | -17.7203% | 7,265 |
| Net charge-offs to loans | 1.5574% | 1,314 |
| Credit loss provision to net charge-offs | 202.4540% | 2,201 |
| Earnings coverage of net charge-offs (x) | -1.1084% | 6,648 |
| Efficiency ratio | 183.5131% | 189 |
| Assets per employee ($millions) | 5.5754% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7747% | 162 |
| Loan loss allowance to noncurrent loans | 37.6206% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 10.1782% | 331 |
| Noncurrent loans to loans | 12.6916% | 238 |
| Net loans and leases to total assets | 63.7753% | 4,910 |
| Net loans and leases to deposits | 83.3352% | 3,767 |
| Net loans and leases to core deposits | 114.5017% | 2,779 |
| Total domestic deposits to total assets | 76.5286% | 6,465 |
| Equity capital to assets | 12.3340% | 2,047 |
| Core capital (leverage) ratio | 11.7980% | 1,907 |
| Tier 1 risk-based capital ratio | 16.3454% | 2,498 |
| Total risk-based capital ratio | 17.6225% | 2,426 |
| Memoranda: | ||
| Average total assets | $121,889,500 | 4,546 |
| Average earning assets | $109,175,500 | 4,616 |
| Average equity | $14,333,500 | 4,221 |
| Average total loans | $83,727,500 | 4,427 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2980% | 5,670 |
| Cost of funding earning assets | 2.4101% | 1,928 |
| Net interest margin | 2.8878% | 6,831 |
| Noninterest income to average assets | 0.0470% | 7,748 |
| Noninterest expense to average assets | 2.3807% | 6,522 |
| Loan and lease loss provision to assets | 0.0858% | 6,316 |
| Net operating income to assets | 0.1182% | 5,510 |
| Return on assets (ROA) | 0.1182% | 5,610 |
| Pretax return on assets | 0.1749% | 5,530 |
| Return on Equity (ROE) | 1.0211% | 5,631 |
| Retained earnings to average equity (ytd only) | 1.0211% | 4,762 |
| Net charge-offs to loans | 0.1754% | 4,482 |
| Credit loss provision to net charge-offs | 70.6667% | 5,404 |
| Earnings coverage of net charge-offs (x) | 2.1467% | 4,000 |
| Efficiency ratio | 90.1288% | 1,791 |
| Assets per employee ($millions) | 5.9030% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2872% | 454 |
| Loan loss allowance to noncurrent loans | 34.9166% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 8.2670% | 450 |
| Noncurrent loans to loans | 9.4144% | 396 |
| Net loans and leases to total assets | 64.5564% | 4,865 |
| Net loans and leases to deposits | 83.3787% | 3,983 |
| Net loans and leases to core deposits | 112.3945% | 3,091 |
| Total domestic deposits to total assets | 77.4255% | 6,224 |
| Equity capital to assets | 11.5736% | 2,489 |
| Core capital (leverage) ratio | 11.9134% | 1,868 |
| Tier 1 risk-based capital ratio | 14.9684% | 3,031 |
| Total risk-based capital ratio | 16.2381% | 2,965 |
| Memoranda: | ||
| Average total assets | $123,491,670 | 4,545 |
| Average earning assets | $110,948,330 | 4,603 |
| Average equity | $14,297,670 | 4,242 |
| Average total loans | $85,498,670 | 4,415 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4865% | 4,983 |
| Cost of funding earning assets | 2.6761% | 1,328 |
| Net interest margin | 2.8104% | 6,971 |
| Noninterest income to average assets | 0.0714% | 7,704 |
| Noninterest expense to average assets | 2.4210% | 6,127 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1071% | 5,960 |
| Return on assets (ROA) | 0.1071% | 6,123 |
| Pretax return on assets | 0.1623% | 6,023 |
| Return on Equity (ROE) | 0.9248% | 6,146 |
| Retained earnings to average equity (ytd only) | 0.9248% | 5,279 |
| Net charge-offs to loans | 0.1934% | 3,480 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 1.1905% | 4,153 |
| Efficiency ratio | 93.7186% | 1,452 |
| Assets per employee ($millions) | 5.7210% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1589% | 424 |
| Loan loss allowance to noncurrent loans | 66.9477% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 5.9887% | 663 |
| Noncurrent loans to loans | 4.7185% | 1,182 |
| Net loans and leases to total assets | 68.8951% | 3,941 |
| Net loans and leases to deposits | 89.6966% | 2,976 |
| Net loans and leases to core deposits | 115.1338% | 2,894 |
| Total domestic deposits to total assets | 76.8091% | 6,333 |
| Equity capital to assets | 11.8993% | 2,325 |
| Core capital (leverage) ratio | 11.6755% | 2,058 |
| Tier 1 risk-based capital ratio | 14.6433% | 3,235 |
| Total risk-based capital ratio | 15.9122% | 3,152 |
| Memoranda: | ||
| Average total assets | $123,256,000 | 4,568 |
| Average earning assets | $110,161,000 | 4,635 |
| Average equity | $14,273,000 | 4,278 |
| Average total loans | $86,875,000 | 4,397 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 4,268 |
| Cost of funding earning assets | 2.9929% | 1,892 |
| Net interest margin | 3.2523% | 6,205 |
| Noninterest income to average assets | -0.3370% | 8,249 |
| Noninterest expense to average assets | 15.3386% | 71 |
| Loan and lease loss provision to assets | 1.9502% | 629 |
| Net operating income to assets | -13.6223% | 8,279 |
| Return on assets (ROA) | -13.6223% | 8,279 |
| Pretax return on assets | -14.9277% | 8,283 |
| Return on Equity (ROE) | -73.4731% | 8,236 |
| Retained earnings to average equity (ytd only) | -73.4731% | 8,229 |
| Net charge-offs to loans | 1.8509% | 594 |
| Credit loss provision to net charge-offs | 159.7982% | 3,232 |
| Earnings coverage of net charge-offs (x) | -10.6336% | 6,901 |
| Efficiency ratio | 98.0236% | 1,061 |
| Assets per employee ($millions) | 6.0176% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1061% | 400 |
| Loan loss allowance to noncurrent loans | 78.7252% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 4.4631% | 850 |
| Noncurrent loans to loans | 3.9455% | 1,252 |
| Net loans and leases to total assets | 67.6870% | 4,514 |
| Net loans and leases to deposits | 89.1548% | 3,609 |
| Net loans and leases to core deposits | 117.4026% | 2,959 |
| Total domestic deposits to total assets | 75.9207% | 6,261 |
| Equity capital to assets | 11.2764% | 2,824 |
| Core capital (leverage) ratio | 9.6927% | 3,776 |
| Tier 1 risk-based capital ratio | 14.0965% | 3,500 |
| Total risk-based capital ratio | 15.3705% | 3,406 |
| Memoranda: | ||
| Average total assets | $154,290,600 | 3,814 |
| Average earning assets | $128,001,600 | 4,084 |
| Average equity | $28,606,400 | 2,363 |
| Average total loans | $101,734,600 | 3,900 |