Home > Gunnison Valley Bank > Performance and Condition Ratios
Gunnison Valley Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1996% | 125 |
| Cost of funding earning assets | 0.7013% | 2,085 |
| Net interest margin | 5.4983% | 109 |
| Noninterest income to average assets | 0.3108% | 4,033 |
| Noninterest expense to average assets | 3.9750% | 552 |
| Loan and lease loss provision to assets | 9.1070% | 3 |
| Net operating income to assets | -7.6323% | 5,403 |
| Return on assets (ROA) | -7.6323% | 5,403 |
| Pretax return on assets | -7.6323% | 5,403 |
| Return on Equity (ROE) | -129.8299% | 5,404 |
| Retained earnings to average equity (ytd only) | -129.8299% | 5,403 |
| Net charge-offs to loans | 9.0665% | 4 |
| Credit loss provision to net charge-offs | 121.4582% | 2,144 |
| Earnings coverage of net charge-offs (x) | 0.1967% | 3,705 |
| Efficiency ratio | 72.9393% | 1,776 |
| Assets per employee ($millions) | 6.8058% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5032% | 17 |
| Loan loss allowance to noncurrent loans | 37.7565% | 4,522 |
| Noncurrent assets plus other real estate owned to assets | 14.5156% | 5 |
| Noncurrent loans to loans | 17.2240% | 5 |
| Net loans and leases to total assets | 72.3104% | 2,206 |
| Net loans and leases to deposits | 79.5246% | 3,003 |
| Net loans and leases to core deposits | 83.6259% | 3,125 |
| Total domestic deposits to total assets | 90.9283% | 222 |
| Equity capital to assets | 4.8929% | 5,393 |
| Core capital (leverage) ratio | 5.0274% | 5,394 |
| Tier 1 risk-based capital ratio | 6.0382% | 5,400 |
| Total risk-based capital ratio | 7.3459% | 5,399 |
| Memoranda: | ||
| Average total assets | $70,791,600 | 4,569 |
| Average earning assets | $66,165,600 | 4,554 |
| Average equity | $4,161,600 | 5,157 |
| Average total loans | $58,545,000 | 4,130 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0802% | 139 |
| Cost of funding earning assets | 0.6690% | 2,039 |
| Net interest margin | 5.4112% | 126 |
| Noninterest income to average assets | 0.3209% | 4,004 |
| Noninterest expense to average assets | 3.6730% | 782 |
| Loan and lease loss provision to assets | 12.0263% | 1 |
| Net operating income to assets | -10.2784% | 5,475 |
| Return on assets (ROA) | -10.2784% | 5,475 |
| Pretax return on assets | -10.2784% | 5,475 |
| Return on Equity (ROE) | -168.1309% | 5,476 |
| Retained earnings to average equity (ytd only) | -168.1309% | 5,476 |
| Net charge-offs to loans | 11.4510% | 3 |
| Credit loss provision to net charge-offs | 125.0630% | 1,937 |
| Earnings coverage of net charge-offs (x) | 0.1818% | 3,414 |
| Efficiency ratio | 67.7564% | 2,581 |
| Assets per employee ($millions) | 7.0596% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3068% | 20 |
| Loan loss allowance to noncurrent loans | 35.1657% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 14.4045% | 7 |
| Noncurrent loans to loans | 17.9344% | 5 |
| Net loans and leases to total assets | 75.2521% | 1,772 |
| Net loans and leases to deposits | 82.1783% | 2,798 |
| Net loans and leases to core deposits | 85.8947% | 2,997 |
| Total domestic deposits to total assets | 91.5718% | 122 |
| Equity capital to assets | 4.4918% | 5,470 |
| Core capital (leverage) ratio | 4.6033% | 5,472 |
| Tier 1 risk-based capital ratio | 5.6817% | 5,473 |
| Total risk-based capital ratio | 6.9904% | 5,472 |
| Memoranda: | ||
| Average total assets | $71,475,000 | 4,608 |
| Average earning assets | $67,364,250 | 4,581 |
| Average equity | $4,369,500 | 5,190 |
| Average total loans | $60,022,250 | 4,136 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8650% | 67 |
| Cost of funding earning assets | 0.6241% | 2,080 |
| Net interest margin | 6.2410% | 65 |
| Noninterest income to average assets | 0.4056% | 3,446 |
| Noninterest expense to average assets | 3.5415% | 942 |
| Loan and lease loss provision to assets | 2.9821% | 19 |
| Net operating income to assets | -0.2333% | 5,401 |
| Return on assets (ROA) | -0.2333% | 5,397 |
| Pretax return on assets | -0.2333% | 5,398 |
| Return on Equity (ROE) | -2.0071% | 5,399 |
| Retained earnings to average equity (ytd only) | -2.0071% | 5,150 |
| Net charge-offs to loans | 4.5538% | 23 |
| Credit loss provision to net charge-offs | 77.7471% | 2,281 |
| Earnings coverage of net charge-offs (x) | 0.7167% | 3,113 |
| Efficiency ratio | 56.3000% | 4,440 |
| Assets per employee ($millions) | 6.7926% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1599% | 121 |
| Loan loss allowance to noncurrent loans | 26.3462% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 9.9667% | 21 |
| Noncurrent loans to loans | 11.9939% | 20 |
| Net loans and leases to total assets | 80.4722% | 944 |
| Net loans and leases to deposits | 95.0640% | 1,237 |
| Net loans and leases to core deposits | 99.4607% | 1,773 |
| Total domestic deposits to total assets | 84.6505% | 2,819 |
| Equity capital to assets | 11.5205% | 2,186 |
| Core capital (leverage) ratio | 11.7109% | 1,901 |
| Tier 1 risk-based capital ratio | 13.5084% | 3,610 |
| Total risk-based capital ratio | 14.7810% | 3,509 |
| Memoranda: | ||
| Average total assets | $75,449,000 | 4,599 |
| Average earning assets | $71,143,000 | 4,565 |
| Average equity | $8,769,000 | 4,570 |
| Average total loans | $63,550,670 | 4,081 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8505% | 64 |
| Cost of funding earning assets | 0.6086% | 1,999 |
| Net interest margin | 6.2420% | 56 |
| Noninterest income to average assets | 0.5382% | 2,587 |
| Noninterest expense to average assets | 3.8199% | 655 |
| Loan and lease loss provision to assets | 1.7147% | 42 |
| Net operating income to assets | 0.9022% | 3,278 |
| Return on assets (ROA) | 0.9022% | 3,284 |
| Pretax return on assets | 0.9022% | 3,847 |
| Return on Equity (ROE) | 7.7293% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.7293% | 1,946 |
| Net charge-offs to loans | 2.3584% | 47 |
| Credit loss provision to net charge-offs | 85.7520% | 1,693 |
| Earnings coverage of net charge-offs (x) | 1.3087% | 2,572 |
| Efficiency ratio | 59.3443% | 4,161 |
| Assets per employee ($millions) | 6.8675% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4716% | 92 |
| Loan loss allowance to noncurrent loans | 37.6626% | 4,684 |
| Noncurrent assets plus other real estate owned to assets | 7.9757% | 37 |
| Noncurrent loans to loans | 9.2176% | 30 |
| Net loans and leases to total assets | 82.0815% | 656 |
| Net loans and leases to deposits | 95.9088% | 1,040 |
| Net loans and leases to core deposits | 102.5554% | 1,477 |
| Total domestic deposits to total assets | 85.5829% | 2,716 |
| Equity capital to assets | 11.7709% | 1,932 |
| Core capital (leverage) ratio | 12.0513% | 1,620 |
| Tier 1 risk-based capital ratio | 13.7295% | 3,530 |
| Total risk-based capital ratio | 15.0071% | 3,418 |
| Memoranda: | ||
| Average total assets | $75,814,000 | 4,644 |
| Average earning assets | $71,644,000 | 4,604 |
| Average equity | $8,849,500 | 4,602 |
| Average total loans | $64,281,000 | 4,088 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8276% | 60 |
| Cost of funding earning assets | 0.6459% | 1,323 |
| Net interest margin | 6.1816% | 59 |
| Noninterest income to average assets | 0.2438% | 4,676 |
| Noninterest expense to average assets | 3.4498% | 1,128 |
| Loan and lease loss provision to assets | 1.4957% | 59 |
| Net operating income to assets | 1.1081% | 1,834 |
| Return on assets (ROA) | 1.1081% | 1,854 |
| Pretax return on assets | 1.1081% | 3,156 |
| Return on Equity (ROE) | 10.4731% | 1,686 |
| Retained earnings to average equity (ytd only) | 10.4731% | 288 |
| Net charge-offs to loans | 1.6456% | 95 |
| Credit loss provision to net charge-offs | 110.2426% | 2,363 |
| Earnings coverage of net charge-offs (x) | 1.9191% | 3,830 |
| Efficiency ratio | 56.9875% | 4,657 |
| Assets per employee ($millions) | 6.3405% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5507% | 86 |
| Loan loss allowance to noncurrent loans | 43.3643% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 7.0591% | 46 |
| Noncurrent loans to loans | 8.1880% | 44 |
| Net loans and leases to total assets | 81.5419% | 748 |
| Net loans and leases to deposits | 93.0919% | 1,376 |
| Net loans and leases to core deposits | 99.6323% | 1,740 |
| Total domestic deposits to total assets | 87.5930% | 1,705 |
| Equity capital to assets | 11.5751% | 2,136 |
| Core capital (leverage) ratio | 11.2531% | 2,127 |
| Tier 1 risk-based capital ratio | 13.5348% | 3,611 |
| Total risk-based capital ratio | 14.8141% | 3,503 |
| Memoranda: | ||
| Average total assets | $82,034,200 | 4,552 |
| Average earning assets | $77,099,200 | 4,519 |
| Average equity | $8,679,400 | 4,669 |
| Average total loans | $67,634,000 | 4,016 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0751% | 56 |
| Cost of funding earning assets | 0.6528% | 1,218 |
| Net interest margin | 6.4224% | 51 |
| Noninterest income to average assets | 0.2043% | 4,986 |
| Noninterest expense to average assets | 3.1879% | 1,585 |
| Loan and lease loss provision to assets | 1.5964% | 53 |
| Net operating income to assets | 1.4511% | 990 |
| Return on assets (ROA) | 1.4511% | 1,006 |
| Pretax return on assets | 1.4511% | 1,940 |
| Return on Equity (ROE) | 14.0153% | 830 |
| Retained earnings to average equity (ytd only) | 14.0153% | 156 |
| Net charge-offs to loans | 1.2464% | 135 |
| Credit loss provision to net charge-offs | 156.2500% | 1,635 |
| Earnings coverage of net charge-offs (x) | 2.9828% | 3,396 |
| Efficiency ratio | 51.1265% | 5,172 |
| Assets per employee ($millions) | 6.6954% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8584% | 77 |
| Loan loss allowance to noncurrent loans | 31.1155% | 4,918 |
| Noncurrent assets plus other real estate owned to assets | 11.0474% | 22 |
| Noncurrent loans to loans | 12.4001% | 16 |
| Net loans and leases to total assets | 78.4641% | 1,202 |
| Net loans and leases to deposits | 88.8353% | 1,949 |
| Net loans and leases to core deposits | 96.1079% | 2,058 |
| Total domestic deposits to total assets | 88.3253% | 1,203 |
| Equity capital to assets | 10.9652% | 2,897 |
| Core capital (leverage) ratio | 11.1382% | 2,337 |
| Tier 1 risk-based capital ratio | 12.8094% | 4,138 |
| Total risk-based capital ratio | 14.0894% | 4,019 |
| Memoranda: | ||
| Average total assets | $83,521,250 | 4,570 |
| Average earning assets | $78,432,500 | 4,530 |
| Average equity | $8,647,500 | 4,722 |
| Average total loans | $68,461,000 | 4,032 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2382% | 52 |
| Cost of funding earning assets | 0.6637% | 1,072 |
| Net interest margin | 6.5744% | 51 |
| Noninterest income to average assets | 0.2979% | 4,404 |
| Noninterest expense to average assets | 2.7903% | 2,799 |
| Loan and lease loss provision to assets | 2.3646% | 34 |
| Net operating income to assets | 1.3266% | 1,228 |
| Return on assets (ROA) | 1.3266% | 1,254 |
| Pretax return on assets | 1.3266% | 2,282 |
| Return on Equity (ROE) | 13.0566% | 1,023 |
| Retained earnings to average equity (ytd only) | 13.0566% | 249 |
| Net charge-offs to loans | 1.2820% | 148 |
| Credit loss provision to net charge-offs | 224.7191% | 1,160 |
| Earnings coverage of net charge-offs (x) | 3.5079% | 3,039 |
| Efficiency ratio | 43.0500% | 5,548 |
| Assets per employee ($millions) | 6.2253% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1729% | 58 |
| Loan loss allowance to noncurrent loans | 45.9063% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 8.2554% | 36 |
| Noncurrent loans to loans | 9.0901% | 34 |
| Net loans and leases to total assets | 77.3233% | 1,342 |
| Net loans and leases to deposits | 87.1170% | 2,093 |
| Net loans and leases to core deposits | 94.8639% | 2,081 |
| Total domestic deposits to total assets | 88.7580% | 1,076 |
| Equity capital to assets | 10.4598% | 3,394 |
| Core capital (leverage) ratio | 10.2444% | 3,215 |
| Tier 1 risk-based capital ratio | 12.5922% | 4,249 |
| Total risk-based capital ratio | 13.8769% | 4,140 |
| Memoranda: | ||
| Average total assets | $84,580,000 | 4,580 |
| Average earning assets | $79,550,670 | 4,540 |
| Average equity | $8,593,330 | 4,753 |
| Average total loans | $69,424,000 | 4,032 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1028% | 59 |
| Cost of funding earning assets | 0.6634% | 1,008 |
| Net interest margin | 6.4393% | 53 |
| Noninterest income to average assets | 0.2389% | 4,828 |
| Noninterest expense to average assets | 2.8393% | 2,652 |
| Loan and lease loss provision to assets | 2.2971% | 30 |
| Net operating income to assets | 1.1670% | 1,606 |
| Return on assets (ROA) | 1.1670% | 1,649 |
| Pretax return on assets | 1.1670% | 2,717 |
| Return on Equity (ROE) | 10.9054% | 1,605 |
| Retained earnings to average equity (ytd only) | 10.9054% | 624 |
| Net charge-offs to loans | -0.0833% | 5,389 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0437% | 5,565 |
| Assets per employee ($millions) | 7.8218% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8668% | 85 |
| Loan loss allowance to noncurrent loans | 46.1325% | 4,730 |
| Noncurrent assets plus other real estate owned to assets | 7.6929% | 54 |
| Noncurrent loans to loans | 8.3820% | 54 |
| Net loans and leases to total assets | 76.8596% | 1,282 |
| Net loans and leases to deposits | 86.9960% | 1,912 |
| Net loans and leases to core deposits | 87.4493% | 2,597 |
| Total domestic deposits to total assets | 88.3484% | 1,511 |
| Equity capital to assets | 10.9844% | 2,637 |
| Core capital (leverage) ratio | 10.9004% | 2,478 |
| Tier 1 risk-based capital ratio | 13.2206% | 3,931 |
| Total risk-based capital ratio | 14.5012% | 3,835 |
| Memoranda: | ||
| Average total assets | $87,064,500 | 4,585 |
| Average earning assets | $81,996,000 | 4,552 |
| Average equity | $9,316,500 | 4,657 |
| Average total loans | $72,051,500 | 4,002 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0760% | 56 |
| Cost of funding earning assets | 0.6788% | 917 |
| Net interest margin | 6.3972% | 56 |
| Noninterest income to average assets | 0.3926% | 3,948 |
| Noninterest expense to average assets | 2.9005% | 2,667 |
| Loan and lease loss provision to assets | 2.9946% | 19 |
| Net operating income to assets | 0.5076% | 4,600 |
| Return on assets (ROA) | 0.5076% | 4,675 |
| Pretax return on assets | 0.5076% | 5,008 |
| Return on Equity (ROE) | 5.0506% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.0506% | 2,311 |
| Net charge-offs to loans | 2.3878% | 52 |
| Credit loss provision to net charge-offs | 145.5675% | 1,879 |
| Earnings coverage of net charge-offs (x) | 1.7024% | 3,953 |
| Efficiency ratio | 45.3012% | 5,659 |
| Assets per employee ($millions) | 8.0081% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8481% | 208 |
| Loan loss allowance to noncurrent loans | 37.1364% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 7.5253% | 52 |
| Noncurrent loans to loans | 7.6693% | 60 |
| Net loans and leases to total assets | 83.0614% | 478 |
| Net loans and leases to deposits | 93.4995% | 1,245 |
| Net loans and leases to core deposits | 93.9690% | 2,113 |
| Total domestic deposits to total assets | 88.8363% | 1,191 |
| Equity capital to assets | 10.4235% | 3,242 |
| Core capital (leverage) ratio | 10.5200% | 2,858 |
| Tier 1 risk-based capital ratio | 11.7261% | 4,910 |
| Total risk-based capital ratio | 12.9942% | 4,803 |
| Memoranda: | ||
| Average total assets | $86,087,200 | 4,616 |
| Average earning assets | $80,879,400 | 4,572 |
| Average equity | $8,652,400 | 4,810 |
| Average total loans | $74,168,400 | 3,938 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0769% | 52 |
| Cost of funding earning assets | 0.6772% | 919 |
| Net interest margin | 6.3997% | 56 |
| Noninterest income to average assets | 0.3972% | 3,943 |
| Noninterest expense to average assets | 2.7667% | 3,119 |
| Loan and lease loss provision to assets | 3.2372% | 17 |
| Net operating income to assets | 0.4004% | 5,016 |
| Return on assets (ROA) | 0.4004% | 5,114 |
| Pretax return on assets | 0.4004% | 5,306 |
| Return on Equity (ROE) | 4.0218% | 4,889 |
| Retained earnings to average equity (ytd only) | 4.0218% | 3,439 |
| Net charge-offs to loans | 2.4687% | 50 |
| Credit loss provision to net charge-offs | 151.9006% | 1,754 |
| Earnings coverage of net charge-offs (x) | 1.7069% | 3,662 |
| Efficiency ratio | 43.2012% | 5,764 |
| Assets per employee ($millions) | 7.9828% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7173% | 261 |
| Loan loss allowance to noncurrent loans | 37.7094% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 7.1563% | 69 |
| Noncurrent loans to loans | 7.2058% | 79 |
| Net loans and leases to total assets | 83.4998% | 459 |
| Net loans and leases to deposits | 95.0900% | 1,141 |
| Net loans and leases to core deposits | 95.5759% | 2,042 |
| Total domestic deposits to total assets | 87.8113% | 1,498 |
| Equity capital to assets | 10.3541% | 3,741 |
| Core capital (leverage) ratio | 10.5403% | 2,949 |
| Tier 1 risk-based capital ratio | 11.5666% | 5,045 |
| Total risk-based capital ratio | 12.8334% | 4,949 |
| Memoranda: | ||
| Average total assets | $85,586,750 | 4,657 |
| Average earning assets | $80,334,750 | 4,618 |
| Average equity | $8,520,000 | 4,882 |
| Average total loans | $73,882,250 | 3,975 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9876% | 56 |
| Cost of funding earning assets | 0.6670% | 953 |
| Net interest margin | 6.3205% | 58 |
| Noninterest income to average assets | 0.3070% | 4,592 |
| Noninterest expense to average assets | 2.8264% | 2,933 |
| Loan and lease loss provision to assets | 4.2841% | 11 |
| Net operating income to assets | -0.8742% | 5,970 |
| Return on assets (ROA) | -0.8742% | 5,975 |
| Pretax return on assets | -0.8742% | 5,965 |
| Return on Equity (ROE) | -8.4561% | 5,965 |
| Retained earnings to average equity (ytd only) | -8.4561% | 5,846 |
| Net charge-offs to loans | 3.1203% | 42 |
| Credit loss provision to net charge-offs | 158.9565% | 1,532 |
| Earnings coverage of net charge-offs (x) | 1.2652% | 3,437 |
| Efficiency ratio | 45.3213% | 5,780 |
| Assets per employee ($millions) | 7.3063% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6694% | 291 |
| Loan loss allowance to noncurrent loans | 34.6690% | 5,182 |
| Noncurrent assets plus other real estate owned to assets | 7.6053% | 67 |
| Noncurrent loans to loans | 7.6997% | 77 |
| Net loans and leases to total assets | 83.8382% | 433 |
| Net loans and leases to deposits | 93.5881% | 1,326 |
| Net loans and leases to core deposits | 94.0540% | 2,165 |
| Total domestic deposits to total assets | 89.5821% | 644 |
| Equity capital to assets | 9.6514% | 4,612 |
| Core capital (leverage) ratio | 9.7038% | 3,923 |
| Tier 1 risk-based capital ratio | 10.8032% | 5,523 |
| Total risk-based capital ratio | 12.0694% | 5,437 |
| Memoranda: | ||
| Average total assets | $85,338,000 | 4,703 |
| Average earning assets | $80,056,670 | 4,662 |
| Average equity | $8,822,000 | 4,869 |
| Average total loans | $73,711,670 | 4,005 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0417% | 54 |
| Cost of funding earning assets | 0.6554% | 1,026 |
| Net interest margin | 6.3863% | 54 |
| Noninterest income to average assets | 0.4705% | 3,339 |
| Noninterest expense to average assets | 3.0985% | 2,108 |
| Loan and lease loss provision to assets | 1.6633% | 52 |
| Net operating income to assets | 1.6823% | 599 |
| Return on assets (ROA) | 1.6823% | 636 |
| Pretax return on assets | 1.6823% | 1,110 |
| Return on Equity (ROE) | 15.7298% | 567 |
| Retained earnings to average equity (ytd only) | 15.7298% | 202 |
| Net charge-offs to loans | 1.6427% | 98 |
| Credit loss provision to net charge-offs | 117.0569% | 1,459 |
| Earnings coverage of net charge-offs (x) | 2.3545% | 2,694 |
| Efficiency ratio | 48.0826% | 5,721 |
| Assets per employee ($millions) | 7.1008% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8711% | 1,007 |
| Loan loss allowance to noncurrent loans | 23.6748% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 8.4626% | 66 |
| Noncurrent loans to loans | 7.9033% | 71 |
| Net loans and leases to total assets | 85.4900% | 258 |
| Net loans and leases to deposits | 96.6025% | 884 |
| Net loans and leases to core deposits | 97.1034% | 1,699 |
| Total domestic deposits to total assets | 88.4967% | 1,357 |
| Equity capital to assets | 10.7851% | 3,174 |
| Core capital (leverage) ratio | 10.8990% | 2,506 |
| Tier 1 risk-based capital ratio | 12.0962% | 4,857 |
| Total risk-based capital ratio | 13.3529% | 4,751 |
| Memoranda: | ||
| Average total assets | $84,169,000 | 4,763 |
| Average earning assets | $78,730,500 | 4,733 |
| Average equity | $9,002,000 | 4,863 |
| Average total loans | $72,806,500 | 4,053 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0052% | 58 |
| Cost of funding earning assets | 0.6227% | 1,217 |
| Net interest margin | 6.3825% | 57 |
| Noninterest income to average assets | 0.4453% | 3,705 |
| Noninterest expense to average assets | 3.3105% | 1,696 |
| Loan and lease loss provision to assets | 2.5346% | 21 |
| Net operating income to assets | 0.5576% | 4,467 |
| Return on assets (ROA) | 0.5576% | 4,560 |
| Pretax return on assets | 0.5576% | 4,969 |
| Return on Equity (ROE) | 4.9309% | 4,539 |
| Retained earnings to average equity (ytd only) | 4.9309% | 2,466 |
| Net charge-offs to loans | 2.4988% | 48 |
| Credit loss provision to net charge-offs | 118.9696% | 2,164 |
| Earnings coverage of net charge-offs (x) | 1.4514% | 4,085 |
| Efficiency ratio | 51.7047% | 5,652 |
| Assets per employee ($millions) | 6.9549% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 1,021 |
| Loan loss allowance to noncurrent loans | 22.0138% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 9.0308% | 67 |
| Noncurrent loans to loans | 8.4759% | 67 |
| Net loans and leases to total assets | 84.3180% | 359 |
| Net loans and leases to deposits | 95.5505% | 1,062 |
| Net loans and leases to core deposits | 96.0552% | 1,845 |
| Total domestic deposits to total assets | 88.2445% | 1,513 |
| Equity capital to assets | 10.9575% | 2,863 |
| Core capital (leverage) ratio | 11.1044% | 2,306 |
| Tier 1 risk-based capital ratio | 12.4531% | 4,663 |
| Total risk-based capital ratio | 13.7108% | 4,548 |
| Memoranda: | ||
| Average total assets | $80,169,200 | 4,869 |
| Average earning assets | $74,829,600 | 4,835 |
| Average equity | $9,065,200 | 4,831 |
| Average total loans | $68,351,800 | 4,134 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0542% | 58 |
| Cost of funding earning assets | 0.6197% | 1,281 |
| Net interest margin | 6.4346% | 56 |
| Noninterest income to average assets | 0.4033% | 4,062 |
| Noninterest expense to average assets | 3.3052% | 1,677 |
| Loan and lease loss provision to assets | 1.5963% | 31 |
| Net operating income to assets | 1.5039% | 915 |
| Return on assets (ROA) | 1.5039% | 950 |
| Pretax return on assets | 1.5039% | 1,676 |
| Return on Equity (ROE) | 13.1926% | 1,085 |
| Retained earnings to average equity (ytd only) | 13.1926% | 267 |
| Net charge-offs to loans | 1.2580% | 129 |
| Credit loss provision to net charge-offs | 149.1366% | 1,691 |
| Earnings coverage of net charge-offs (x) | 2.8964% | 3,588 |
| Efficiency ratio | 51.6002% | 5,673 |
| Assets per employee ($millions) | 6.8373% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 1,081 |
| Loan loss allowance to noncurrent loans | 30.3731% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 7.1032% | 107 |
| Noncurrent loans to loans | 6.2429% | 126 |
| Net loans and leases to total assets | 83.6789% | 406 |
| Net loans and leases to deposits | 95.5733% | 1,048 |
| Net loans and leases to core deposits | 96.4947% | 1,842 |
| Total domestic deposits to total assets | 87.5547% | 1,773 |
| Equity capital to assets | 11.7043% | 2,350 |
| Core capital (leverage) ratio | 11.7815% | 1,831 |
| Tier 1 risk-based capital ratio | 13.3949% | 4,197 |
| Total risk-based capital ratio | 14.6526% | 4,120 |
| Memoranda: | ||
| Average total assets | $79,346,750 | 4,940 |
| Average earning assets | $74,015,250 | 4,908 |
| Average equity | $9,045,250 | 4,894 |
| Average total loans | $67,512,500 | 4,190 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9872% | 61 |
| Cost of funding earning assets | 0.6098% | 1,346 |
| Net interest margin | 6.3773% | 60 |
| Noninterest income to average assets | 0.3926% | 4,135 |
| Noninterest expense to average assets | 3.3016% | 1,698 |
| Loan and lease loss provision to assets | 1.7847% | 31 |
| Net operating income to assets | 1.2518% | 1,459 |
| Return on assets (ROA) | 1.2518% | 1,519 |
| Pretax return on assets | 1.2518% | 2,542 |
| Return on Equity (ROE) | 11.0844% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.0844% | 496 |
| Net charge-offs to loans | 1.7244% | 88 |
| Credit loss provision to net charge-offs | 121.7391% | 1,781 |
| Earnings coverage of net charge-offs (x) | 2.0713% | 3,407 |
| Efficiency ratio | 52.0917% | 5,704 |
| Assets per employee ($millions) | 6.6119% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 1,757 |
| Loan loss allowance to noncurrent loans | 26.5192% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 7.3113% | 113 |
| Noncurrent loans to loans | 6.2062% | 150 |
| Net loans and leases to total assets | 85.7870% | 251 |
| Net loans and leases to deposits | 97.9353% | 800 |
| Net loans and leases to core deposits | 98.9087% | 1,574 |
| Total domestic deposits to total assets | 87.5956% | 1,844 |
| Equity capital to assets | 11.5725% | 2,353 |
| Core capital (leverage) ratio | 11.5871% | 1,933 |
| Tier 1 risk-based capital ratio | 13.0278% | 4,505 |
| Total risk-based capital ratio | 14.2821% | 4,419 |
| Memoranda: | ||
| Average total assets | $78,446,670 | 5,008 |
| Average earning assets | $73,134,000 | 4,978 |
| Average equity | $8,859,330 | 4,971 |
| Average total loans | $66,689,000 | 4,249 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6082% | 75 |
| Cost of funding earning assets | 0.5997% | 1,442 |
| Net interest margin | 6.0085% | 73 |
| Noninterest income to average assets | 0.3539% | 4,371 |
| Noninterest expense to average assets | 3.4872% | 1,342 |
| Loan and lease loss provision to assets | 2.3077% | 25 |
| Net operating income to assets | 0.1590% | 5,767 |
| Return on assets (ROA) | 0.1590% | 5,841 |
| Pretax return on assets | 0.1590% | 5,886 |
| Return on Equity (ROE) | 1.4256% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.4256% | 4,912 |
| Net charge-offs to loans | 2.6043% | 56 |
| Credit loss provision to net charge-offs | 105.6338% | 1,549 |
| Earnings coverage of net charge-offs (x) | 1.1291% | 2,964 |
| Efficiency ratio | 58.5702% | 5,271 |
| Assets per employee ($millions) | 6.4538% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 2,199 |
| Loan loss allowance to noncurrent loans | 26.4324% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 7.0153% | 131 |
| Noncurrent loans to loans | 5.8921% | 188 |
| Net loans and leases to total assets | 84.7182% | 268 |
| Net loans and leases to deposits | 96.3351% | 809 |
| Net loans and leases to core deposits | 97.3110% | 1,535 |
| Total domestic deposits to total assets | 87.9411% | 1,866 |
| Equity capital to assets | 11.2790% | 2,674 |
| Core capital (leverage) ratio | 11.2286% | 2,209 |
| Tier 1 risk-based capital ratio | 12.8732% | 4,677 |
| Total risk-based capital ratio | 14.1262% | 4,592 |
| Memoranda: | ||
| Average total assets | $77,998,500 | 5,073 |
| Average earning assets | $72,697,500 | 5,037 |
| Average equity | $8,698,000 | 5,061 |
| Average total loans | $65,431,000 | 4,311 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1059% | 64 |
| Cost of funding earning assets | 0.6319% | 1,540 |
| Net interest margin | 6.4740% | 65 |
| Noninterest income to average assets | 0.2060% | 5,627 |
| Noninterest expense to average assets | 3.3114% | 1,900 |
| Loan and lease loss provision to assets | 1.9058% | 34 |
| Net operating income to assets | 0.8952% | 2,900 |
| Return on assets (ROA) | 0.8952% | 2,987 |
| Pretax return on assets | 0.8952% | 3,928 |
| Return on Equity (ROE) | 8.0670% | 3,100 |
| Retained earnings to average equity (ytd only) | 8.0670% | 996 |
| Net charge-offs to loans | 2.2896% | 69 |
| Credit loss provision to net charge-offs | 100.6156% | 2,373 |
| Earnings coverage of net charge-offs (x) | 1.4788% | 4,408 |
| Efficiency ratio | 54.1755% | 5,826 |
| Assets per employee ($millions) | 6.5460% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 2,158 |
| Loan loss allowance to noncurrent loans | 16.8887% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 10.4300% | 82 |
| Noncurrent loans to loans | 9.3500% | 78 |
| Net loans and leases to total assets | 80.4563% | 678 |
| Net loans and leases to deposits | 91.2899% | 1,365 |
| Net loans and leases to core deposits | 92.1968% | 2,066 |
| Total domestic deposits to total assets | 88.1327% | 1,701 |
| Equity capital to assets | 11.0258% | 2,869 |
| Core capital (leverage) ratio | 10.9361% | 2,461 |
| Tier 1 risk-based capital ratio | 13.0134% | 4,725 |
| Total risk-based capital ratio | 14.2667% | 4,632 |
| Memoranda: | ||
| Average total assets | $77,187,400 | 5,122 |
| Average earning assets | $70,420,600 | 5,114 |
| Average equity | $8,565,800 | 5,070 |
| Average total loans | $63,853,200 | 4,370 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1456% | 63 |
| Cost of funding earning assets | 0.6345% | 1,566 |
| Net interest margin | 6.5111% | 63 |
| Noninterest income to average assets | 0.1284% | 6,125 |
| Noninterest expense to average assets | 2.9079% | 3,090 |
| Loan and lease loss provision to assets | 1.0410% | 109 |
| Net operating income to assets | 2.0907% | 289 |
| Return on assets (ROA) | 2.0907% | 299 |
| Pretax return on assets | 2.0907% | 467 |
| Return on Equity (ROE) | 18.8086% | 370 |
| Retained earnings to average equity (ytd only) | 18.8086% | 90 |
| Net charge-offs to loans | 1.2044% | 227 |
| Credit loss provision to net charge-offs | 104.1667% | 2,125 |
| Earnings coverage of net charge-offs (x) | 3.1337% | 3,727 |
| Efficiency ratio | 48.1471% | 6,195 |
| Assets per employee ($millions) | 6.5615% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5990% | 2,308 |
| Loan loss allowance to noncurrent loans | 21.1294% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 9.3868% | 106 |
| Noncurrent loans to loans | 7.5678% | 137 |
| Net loans and leases to total assets | 80.4224% | 672 |
| Net loans and leases to deposits | 91.7645% | 1,250 |
| Net loans and leases to core deposits | 92.6778% | 1,979 |
| Total domestic deposits to total assets | 87.6400% | 1,959 |
| Equity capital to assets | 11.5992% | 2,395 |
| Core capital (leverage) ratio | 12.0010% | 1,699 |
| Tier 1 risk-based capital ratio | 13.6753% | 4,429 |
| Total risk-based capital ratio | 14.9294% | 4,369 |
| Memoranda: | ||
| Average total assets | $76,846,250 | 5,189 |
| Average earning assets | $69,766,250 | 5,178 |
| Average equity | $8,542,000 | 5,120 |
| Average total loans | $63,763,000 | 4,412 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1509% | 63 |
| Cost of funding earning assets | 0.6416% | 1,580 |
| Net interest margin | 6.5093% | 63 |
| Noninterest income to average assets | 0.2519% | 5,394 |
| Noninterest expense to average assets | 2.6845% | 3,925 |
| Loan and lease loss provision to assets | 1.0497% | 97 |
| Net operating income to assets | 2.4011% | 164 |
| Return on assets (ROA) | 2.4011% | 169 |
| Pretax return on assets | 2.4011% | 257 |
| Return on Equity (ROE) | 21.9293% | 201 |
| Retained earnings to average equity (ytd only) | 21.9293% | 65 |
| Net charge-offs to loans | 1.1704% | 269 |
| Credit loss provision to net charge-offs | 107.5269% | 1,861 |
| Earnings coverage of net charge-offs (x) | 3.5349% | 3,282 |
| Efficiency ratio | 43.7553% | 6,428 |
| Assets per employee ($millions) | 6.4108% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5992% | 2,463 |
| Loan loss allowance to noncurrent loans | 22.3690% | 5,956 |
| Noncurrent assets plus other real estate owned to assets | 10.7073% | 87 |
| Noncurrent loans to loans | 7.1490% | 168 |
| Net loans and leases to total assets | 82.6255% | 408 |
| Net loans and leases to deposits | 94.2666% | 941 |
| Net loans and leases to core deposits | 95.2240% | 1,667 |
| Total domestic deposits to total assets | 87.6510% | 2,113 |
| Equity capital to assets | 11.5184% | 2,410 |
| Core capital (leverage) ratio | 11.6565% | 1,880 |
| Tier 1 risk-based capital ratio | 12.9903% | 4,916 |
| Total risk-based capital ratio | 14.2434% | 4,855 |
| Memoranda: | ||
| Average total assets | $76,215,670 | 5,246 |
| Average earning assets | $68,886,330 | 5,250 |
| Average equity | $8,345,000 | 5,187 |
| Average total loans | $63,566,670 | 4,440 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1402% | 62 |
| Cost of funding earning assets | 0.6348% | 1,692 |
| Net interest margin | 6.5053% | 66 |
| Noninterest income to average assets | -0.0527% | 6,650 |
| Noninterest expense to average assets | 2.7999% | 3,568 |
| Loan and lease loss provision to assets | 1.0546% | 105 |
| Net operating income to assets | 1.9826% | 351 |
| Return on assets (ROA) | 1.9826% | 363 |
| Pretax return on assets | 1.9826% | 552 |
| Return on Equity (ROE) | 18.5977% | 390 |
| Retained earnings to average equity (ytd only) | 18.5977% | 158 |
| Net charge-offs to loans | 1.2498% | 267 |
| Credit loss provision to net charge-offs | 101.5228% | 1,636 |
| Earnings coverage of net charge-offs (x) | 2.9239% | 2,767 |
| Efficiency ratio | 47.9675% | 6,357 |
| Assets per employee ($millions) | 6.3556% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 2,781 |
| Loan loss allowance to noncurrent loans | 21.9704% | 6,040 |
| Noncurrent assets plus other real estate owned to assets | 10.7622% | 99 |
| Noncurrent loans to loans | 7.1997% | 208 |
| Net loans and leases to total assets | 82.2335% | 342 |
| Net loans and leases to deposits | 93.0878% | 867 |
| Net loans and leases to core deposits | 94.0327% | 1,546 |
| Total domestic deposits to total assets | 88.3396% | 2,032 |
| Equity capital to assets | 10.9012% | 2,823 |
| Core capital (leverage) ratio | 11.1835% | 2,237 |
| Tier 1 risk-based capital ratio | 12.3889% | 5,377 |
| Total risk-based capital ratio | 13.6414% | 5,314 |
| Memoranda: | ||
| Average total assets | $75,859,000 | 5,306 |
| Average earning assets | $68,682,000 | 5,298 |
| Average equity | $8,087,000 | 5,267 |
| Average total loans | $63,052,000 | 4,494 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7445% | 79 |
| Cost of funding earning assets | 0.6594% | 2,132 |
| Net interest margin | 6.0851% | 78 |
| Noninterest income to average assets | -0.3645% | 6,783 |
| Noninterest expense to average assets | 3.2658% | 2,232 |
| Loan and lease loss provision to assets | 0.7010% | 327 |
| Net operating income to assets | 1.0655% | 2,055 |
| Return on assets (ROA) | 1.0655% | 2,141 |
| Pretax return on assets | 1.0655% | 3,090 |
| Return on Equity (ROE) | 10.6930% | 1,865 |
| Retained earnings to average equity (ytd only) | 10.6930% | 465 |
| Net charge-offs to loans | 1.1320% | 488 |
| Credit loss provision to net charge-offs | 76.3081% | 3,133 |
| Earnings coverage of net charge-offs (x) | 1.9230% | 4,410 |
| Efficiency ratio | 64.8979% | 4,751 |
| Assets per employee ($millions) | 6.2876% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6111% | 2,714 |
| Loan loss allowance to noncurrent loans | 23.3667% | 6,105 |
| Noncurrent assets plus other real estate owned to assets | 10.6347% | 113 |
| Noncurrent loans to loans | 6.8949% | 248 |
| Net loans and leases to total assets | 81.3429% | 464 |
| Net loans and leases to deposits | 91.6454% | 1,096 |
| Net loans and leases to core deposits | 92.5785% | 1,717 |
| Total domestic deposits to total assets | 88.7583% | 1,773 |
| Equity capital to assets | 10.4174% | 3,268 |
| Core capital (leverage) ratio | 10.7158% | 2,659 |
| Tier 1 risk-based capital ratio | 12.0926% | 5,567 |
| Total risk-based capital ratio | 13.3452% | 5,503 |
| Memoranda: | ||
| Average total assets | $74,897,000 | 5,355 |
| Average earning assets | $66,424,200 | 5,395 |
| Average equity | $7,462,800 | 5,464 |
| Average total loans | $60,779,200 | 4,588 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7505% | 77 |
| Cost of funding earning assets | 0.6613% | 2,256 |
| Net interest margin | 6.0892% | 75 |
| Noninterest income to average assets | -0.6545% | 6,873 |
| Noninterest expense to average assets | 3.1371% | 2,540 |
| Loan and lease loss provision to assets | 0.5529% | 471 |
| Net operating income to assets | 1.0255% | 2,277 |
| Return on assets (ROA) | 1.0255% | 2,359 |
| Pretax return on assets | 1.0255% | 3,397 |
| Return on Equity (ROE) | 10.4115% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.4115% | 709 |
| Net charge-offs to loans | 0.7685% | 772 |
| Credit loss provision to net charge-offs | 89.0805% | 2,656 |
| Earnings coverage of net charge-offs (x) | 2.5431% | 3,985 |
| Efficiency ratio | 66.5280% | 4,392 |
| Assets per employee ($millions) | 6.2910% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8190% | 2,240 |
| Loan loss allowance to noncurrent loans | 27.6622% | 6,066 |
| Noncurrent assets plus other real estate owned to assets | 10.3865% | 125 |
| Noncurrent loans to loans | 6.5757% | 342 |
| Net loans and leases to total assets | 80.7940% | 474 |
| Net loans and leases to deposits | 90.6501% | 1,093 |
| Net loans and leases to core deposits | 91.5673% | 1,809 |
| Total domestic deposits to total assets | 89.1273% | 1,496 |
| Equity capital to assets | 10.1388% | 3,719 |
| Core capital (leverage) ratio | 10.5583% | 2,943 |
| Tier 1 risk-based capital ratio | 11.8146% | 5,893 |
| Total risk-based capital ratio | 13.0704% | 5,842 |
| Memoranda: | ||
| Average total assets | $74,758,500 | 5,410 |
| Average earning assets | $65,929,000 | 5,458 |
| Average equity | $7,363,500 | 5,546 |
| Average total loans | $60,379,250 | 4,647 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5525% | 92 |
| Cost of funding earning assets | 0.6629% | 2,381 |
| Net interest margin | 5.8896% | 92 |
| Noninterest income to average assets | -0.9367% | 6,926 |
| Noninterest expense to average assets | 3.2584% | 2,195 |
| Loan and lease loss provision to assets | 0.6979% | 337 |
| Net operating income to assets | 0.2818% | 5,657 |
| Return on assets (ROA) | 0.2818% | 5,797 |
| Pretax return on assets | 0.2818% | 5,918 |
| Return on Equity (ROE) | 2.8899% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.8899% | 4,472 |
| Net charge-offs to loans | 0.5552% | 1,188 |
| Credit loss provision to net charge-offs | 156.6265% | 1,477 |
| Earnings coverage of net charge-offs (x) | 2.1988% | 3,797 |
| Efficiency ratio | 76.8841% | 2,650 |
| Assets per employee ($millions) | 6.1459% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0826% | 1,669 |
| Loan loss allowance to noncurrent loans | 31.1836% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 11.6934% | 111 |
| Noncurrent loans to loans | 6.6785% | 381 |
| Net loans and leases to total assets | 80.4531% | 495 |
| Net loans and leases to deposits | 90.0133% | 1,144 |
| Net loans and leases to core deposits | 90.9418% | 1,816 |
| Total domestic deposits to total assets | 89.3791% | 1,396 |
| Equity capital to assets | 9.8277% | 4,150 |
| Core capital (leverage) ratio | 9.9385% | 3,604 |
| Tier 1 risk-based capital ratio | 11.2873% | 6,211 |
| Total risk-based capital ratio | 12.5469% | 6,171 |
| Memoranda: | ||
| Average total assets | $74,514,000 | 5,455 |
| Average earning assets | $65,471,000 | 5,510 |
| Average equity | $7,266,670 | 5,608 |
| Average total loans | $59,798,000 | 4,681 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8879% | 68 |
| Cost of funding earning assets | 0.6668% | 2,511 |
| Net interest margin | 6.2211% | 64 |
| Noninterest income to average assets | -1.0094% | 7,006 |
| Noninterest expense to average assets | 3.9735% | 916 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4486% | 4,916 |
| Return on assets (ROA) | 0.4486% | 5,077 |
| Pretax return on assets | 0.4486% | 5,416 |
| Return on Equity (ROE) | 4.6179% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.6179% | 3,466 |
| Net charge-offs to loans | 0.4108% | 1,424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.3770% | 3,375 |
| Efficiency ratio | 89.8551% | 1,159 |
| Assets per employee ($millions) | 6.2103% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8685% | 2,393 |
| Loan loss allowance to noncurrent loans | 27.0198% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 12.1075% | 126 |
| Noncurrent loans to loans | 6.9155% | 434 |
| Net loans and leases to total assets | 78.0111% | 610 |
| Net loans and leases to deposits | 87.1789% | 1,225 |
| Net loans and leases to core deposits | 88.0650% | 1,904 |
| Total domestic deposits to total assets | 89.4839% | 1,364 |
| Equity capital to assets | 9.8183% | 4,397 |
| Core capital (leverage) ratio | 9.8637% | 3,585 |
| Tier 1 risk-based capital ratio | 11.3963% | 6,241 |
| Total risk-based capital ratio | 12.6514% | 6,213 |
| Memoranda: | ||
| Average total assets | $74,895,500 | 5,489 |
| Average earning assets | $65,390,000 | 5,563 |
| Average equity | $7,276,000 | 5,669 |
| Average total loans | $59,398,500 | 4,725 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9430% | 80 |
| Cost of funding earning assets | 0.7720% | 2,897 |
| Net interest margin | 6.1710% | 76 |
| Noninterest income to average assets | -0.3783% | 7,012 |
| Noninterest expense to average assets | 3.1469% | 2,783 |
| Loan and lease loss provision to assets | 1.4342% | 229 |
| Net operating income to assets | 0.3469% | 5,305 |
| Return on assets (ROA) | 0.3469% | 5,526 |
| Pretax return on assets | 0.3469% | 5,727 |
| Return on Equity (ROE) | 3.5488% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.5488% | 3,719 |
| Net charge-offs to loans | 1.7233% | 479 |
| Credit loss provision to net charge-offs | 106.8159% | 2,775 |
| Earnings coverage of net charge-offs (x) | 1.3266% | 4,799 |
| Efficiency ratio | 63.8581% | 4,910 |
| Assets per employee ($millions) | 6.2723% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 2,128 |
| Loan loss allowance to noncurrent loans | 46.2025% | 5,310 |
| Noncurrent assets plus other real estate owned to assets | 11.4539% | 164 |
| Noncurrent loans to loans | 4.2450% | 1,051 |
| Net loans and leases to total assets | 77.5705% | 723 |
| Net loans and leases to deposits | 86.5245% | 1,442 |
| Net loans and leases to core deposits | 87.3922% | 2,154 |
| Total domestic deposits to total assets | 89.6515% | 1,153 |
| Equity capital to assets | 9.6124% | 4,729 |
| Core capital (leverage) ratio | 9.8108% | 3,646 |
| Tier 1 risk-based capital ratio | 11.0573% | 6,326 |
| Total risk-based capital ratio | 12.3137% | 6,290 |
| Memoranda: | ||
| Average total assets | $73,214,000 | 5,543 |
| Average earning assets | $62,955,800 | 5,639 |
| Average equity | $7,157,400 | 5,714 |
| Average total loans | $57,042,000 | 4,834 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8708% | 88 |
| Cost of funding earning assets | 0.7962% | 2,980 |
| Net interest margin | 6.0747% | 84 |
| Noninterest income to average assets | -0.4310% | 7,120 |
| Noninterest expense to average assets | 2.9710% | 3,336 |
| Loan and lease loss provision to assets | 1.1921% | 305 |
| Net operating income to assets | 0.6254% | 4,264 |
| Return on assets (ROA) | 0.6254% | 4,518 |
| Pretax return on assets | 0.6254% | 5,091 |
| Return on Equity (ROE) | 6.3696% | 4,130 |
| Retained earnings to average equity (ytd only) | 6.3696% | 2,448 |
| Net charge-offs to loans | 1.9569% | 377 |
| Credit loss provision to net charge-offs | 78.5024% | 3,666 |
| Earnings coverage of net charge-offs (x) | 1.1969% | 4,701 |
| Efficiency ratio | 62.0452% | 5,141 |
| Assets per employee ($millions) | 6.0034% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 3,549 |
| Loan loss allowance to noncurrent loans | 35.5958% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 12.5817% | 143 |
| Noncurrent loans to loans | 4.4700% | 1,057 |
| Net loans and leases to total assets | 79.2410% | 573 |
| Net loans and leases to deposits | 88.8830% | 1,262 |
| Net loans and leases to core deposits | 89.8172% | 2,008 |
| Total domestic deposits to total assets | 89.1520% | 1,341 |
| Equity capital to assets | 10.1623% | 4,255 |
| Core capital (leverage) ratio | 10.1867% | 3,301 |
| Tier 1 risk-based capital ratio | 11.3673% | 6,318 |
| Total risk-based capital ratio | 12.6203% | 6,276 |
| Memoranda: | ||
| Average total assets | $72,700,750 | 5,616 |
| Average earning assets | $62,465,250 | 5,722 |
| Average equity | $7,138,000 | 5,788 |
| Average total loans | $56,414,250 | 4,906 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7098% | 108 |
| Cost of funding earning assets | 0.8224% | 3,008 |
| Net interest margin | 5.8874% | 100 |
| Noninterest income to average assets | -0.7460% | 7,209 |
| Noninterest expense to average assets | 3.1212% | 2,851 |
| Loan and lease loss provision to assets | 0.6857% | 817 |
| Net operating income to assets | 0.5129% | 4,757 |
| Return on assets (ROA) | 0.5129% | 5,022 |
| Pretax return on assets | 0.5129% | 5,405 |
| Return on Equity (ROE) | 5.2847% | 4,672 |
| Retained earnings to average equity (ytd only) | 5.2847% | 3,107 |
| Net charge-offs to loans | 1.1166% | 972 |
| Credit loss provision to net charge-offs | 80.1282% | 3,317 |
| Earnings coverage of net charge-offs (x) | 1.4006% | 4,304 |
| Efficiency ratio | 72.2540% | 3,381 |
| Assets per employee ($millions) | 6.0113% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 2,798 |
| Loan loss allowance to noncurrent loans | 34.3812% | 5,955 |
| Noncurrent assets plus other real estate owned to assets | 12.9369% | 149 |
| Noncurrent loans to loans | 5.2816% | 906 |
| Net loans and leases to total assets | 77.8804% | 736 |
| Net loans and leases to deposits | 87.1857% | 1,453 |
| Net loans and leases to core deposits | 88.0963% | 2,197 |
| Total domestic deposits to total assets | 89.3270% | 1,315 |
| Equity capital to assets | 9.9342% | 4,443 |
| Core capital (leverage) ratio | 9.8533% | 3,645 |
| Tier 1 risk-based capital ratio | 11.2953% | 6,337 |
| Total risk-based capital ratio | 12.5498% | 6,312 |
| Memoranda: | ||
| Average total assets | $72,920,670 | 5,637 |
| Average earning assets | $62,744,330 | 5,745 |
| Average equity | $7,077,000 | 5,827 |
| Average total loans | $55,882,670 | 4,956 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6600% | 136 |
| Cost of funding earning assets | 0.8547% | 3,026 |
| Net interest margin | 5.8053% | 121 |
| Noninterest income to average assets | -1.0476% | 7,282 |
| Noninterest expense to average assets | 3.3773% | 2,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5783% | 4,449 |
| Return on assets (ROA) | 0.5783% | 4,673 |
| Pretax return on assets | 0.5783% | 5,191 |
| Return on Equity (ROE) | 6.0292% | 4,275 |
| Retained earnings to average equity (ytd only) | 6.0292% | 2,939 |
| Net charge-offs to loans | 1.4489% | 692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5300% | 4,075 |
| Efficiency ratio | 85.3793% | 1,542 |
| Assets per employee ($millions) | 6.1026% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 3,694 |
| Loan loss allowance to noncurrent loans | 25.6549% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 13.0027% | 165 |
| Noncurrent loans to loans | 6.2630% | 778 |
| Net loans and leases to total assets | 75.3424% | 882 |
| Net loans and leases to deposits | 84.0107% | 1,664 |
| Net loans and leases to core deposits | 85.1293% | 2,394 |
| Total domestic deposits to total assets | 89.6820% | 1,251 |
| Equity capital to assets | 9.6680% | 4,565 |
| Core capital (leverage) ratio | 9.7334% | 3,732 |
| Tier 1 risk-based capital ratio | 12.1654% | 5,854 |
| Total risk-based capital ratio | 13.4187% | 5,825 |
| Memoranda: | ||
| Average total assets | $73,313,500 | 5,672 |
| Average earning assets | $63,183,500 | 5,773 |
| Average equity | $7,032,500 | 5,863 |
| Average total loans | $55,215,000 | 5,009 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4085% | 211 |
| Cost of funding earning assets | 1.0092% | 3,301 |
| Net interest margin | 5.3994% | 206 |
| Noninterest income to average assets | 0.4475% | 4,238 |
| Noninterest expense to average assets | 3.3711% | 2,314 |
| Loan and lease loss provision to assets | 1.2430% | 689 |
| Net operating income to assets | 0.4546% | 4,615 |
| Return on assets (ROA) | 0.4546% | 4,827 |
| Pretax return on assets | 0.4546% | 5,115 |
| Return on Equity (ROE) | 4.6673% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.6673% | 2,873 |
| Net charge-offs to loans | 1.4907% | 1,075 |
| Credit loss provision to net charge-offs | 108.8308% | 3,093 |
| Earnings coverage of net charge-offs (x) | 1.4863% | 4,654 |
| Efficiency ratio | 66.5078% | 4,656 |
| Assets per employee ($millions) | 6.1163% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0256% | 2,195 |
| Loan loss allowance to noncurrent loans | 27.4769% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 14.5744% | 140 |
| Noncurrent loans to loans | 7.3719% | 584 |
| Net loans and leases to total assets | 72.5571% | 1,546 |
| Net loans and leases to deposits | 80.8201% | 2,384 |
| Net loans and leases to core deposits | 81.8902% | 3,193 |
| Total domestic deposits to total assets | 89.7760% | 1,117 |
| Equity capital to assets | 9.5169% | 4,861 |
| Core capital (leverage) ratio | 9.5690% | 3,919 |
| Tier 1 risk-based capital ratio | 12.2630% | 5,635 |
| Total risk-based capital ratio | 13.5210% | 5,605 |
| Memoranda: | ||
| Average total assets | $70,393,200 | 5,730 |
| Average earning assets | $60,247,800 | 5,857 |
| Average equity | $6,856,200 | 5,907 |
| Average total loans | $53,936,000 | 5,115 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2883% | 277 |
| Cost of funding earning assets | 1.0365% | 3,417 |
| Net interest margin | 5.2518% | 266 |
| Noninterest income to average assets | 0.3274% | 5,244 |
| Noninterest expense to average assets | 3.1627% | 2,954 |
| Loan and lease loss provision to assets | 1.0530% | 796 |
| Net operating income to assets | 0.6031% | 4,071 |
| Return on assets (ROA) | 0.6031% | 4,249 |
| Pretax return on assets | 0.6031% | 4,799 |
| Return on Equity (ROE) | 6.1546% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.1546% | 2,460 |
| Net charge-offs to loans | 1.1468% | 1,377 |
| Credit loss provision to net charge-offs | 118.7905% | 2,744 |
| Earnings coverage of net charge-offs (x) | 1.8682% | 4,263 |
| Efficiency ratio | 65.6337% | 4,786 |
| Assets per employee ($millions) | 5.9444% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0744% | 2,130 |
| Loan loss allowance to noncurrent loans | 18.3265% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 17.9230% | 76 |
| Noncurrent loans to loans | 11.3189% | 273 |
| Net loans and leases to total assets | 73.9223% | 1,333 |
| Net loans and leases to deposits | 82.5237% | 2,254 |
| Net loans and leases to core deposits | 83.6469% | 3,105 |
| Total domestic deposits to total assets | 89.5771% | 1,106 |
| Equity capital to assets | 9.7879% | 4,640 |
| Core capital (leverage) ratio | 9.9317% | 3,529 |
| Tier 1 risk-based capital ratio | 12.2558% | 5,697 |
| Total risk-based capital ratio | 13.5138% | 5,678 |
| Memoranda: | ||
| Average total assets | $69,642,500 | 5,793 |
| Average earning assets | $59,558,750 | 5,920 |
| Average equity | $6,824,000 | 5,957 |
| Average total loans | $53,831,250 | 5,170 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0217% | 464 |
| Cost of funding earning assets | 1.0690% | 3,481 |
| Net interest margin | 4.9526% | 434 |
| Noninterest income to average assets | 0.7209% | 2,434 |
| Noninterest expense to average assets | 3.2716% | 2,663 |
| Loan and lease loss provision to assets | 0.8686% | 1,034 |
| Net operating income to assets | 0.8194% | 2,984 |
| Return on assets (ROA) | 0.8194% | 3,104 |
| Pretax return on assets | 0.8194% | 3,949 |
| Return on Equity (ROE) | 8.3588% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.3588% | 1,317 |
| Net charge-offs to loans | 1.0070% | 1,560 |
| Credit loss provision to net charge-offs | 110.7011% | 2,769 |
| Earnings coverage of net charge-offs (x) | 2.1513% | 3,765 |
| Efficiency ratio | 65.9661% | 4,881 |
| Assets per employee ($millions) | 5.7910% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 2,404 |
| Loan loss allowance to noncurrent loans | 20.1753% | 6,717 |
| Noncurrent assets plus other real estate owned to assets | 17.1329% | 104 |
| Noncurrent loans to loans | 9.8562% | 394 |
| Net loans and leases to total assets | 75.1122% | 1,223 |
| Net loans and leases to deposits | 84.1209% | 2,091 |
| Net loans and leases to core deposits | 85.2976% | 3,031 |
| Total domestic deposits to total assets | 89.2909% | 1,364 |
| Equity capital to assets | 9.9997% | 4,153 |
| Core capital (leverage) ratio | 10.1070% | 3,137 |
| Tier 1 risk-based capital ratio | 12.3234% | 5,501 |
| Total risk-based capital ratio | 13.5818% | 5,475 |
| Memoranda: | ||
| Average total assets | $69,079,000 | 5,850 |
| Average earning assets | $59,120,000 | 5,977 |
| Average equity | $6,771,330 | 5,998 |
| Average total loans | $53,825,670 | 5,222 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7753% | 774 |
| Cost of funding earning assets | 1.0863% | 3,610 |
| Net interest margin | 4.6891% | 726 |
| Noninterest income to average assets | 0.6214% | 3,031 |
| Noninterest expense to average assets | 3.5195% | 1,951 |
| Loan and lease loss provision to assets | 0.8712% | 938 |
| Net operating income to assets | 0.2672% | 5,553 |
| Return on assets (ROA) | 0.2672% | 5,614 |
| Pretax return on assets | 0.2672% | 5,757 |
| Return on Equity (ROE) | 2.7535% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.7535% | 4,513 |
| Net charge-offs to loans | 1.3528% | 1,024 |
| Credit loss provision to net charge-offs | 81.9672% | 3,122 |
| Earnings coverage of net charge-offs (x) | 1.0710% | 3,862 |
| Efficiency ratio | 75.5611% | 3,233 |
| Assets per employee ($millions) | 5.7958% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8310% | 2,919 |
| Loan loss allowance to noncurrent loans | 15.9571% | 6,895 |
| Noncurrent assets plus other real estate owned to assets | 16.4716% | 117 |
| Noncurrent loans to loans | 11.4743% | 310 |
| Net loans and leases to total assets | 76.8584% | 893 |
| Net loans and leases to deposits | 85.6390% | 1,785 |
| Net loans and leases to core deposits | 87.8154% | 2,625 |
| Total domestic deposits to total assets | 89.7469% | 1,326 |
| Equity capital to assets | 9.6405% | 4,265 |
| Core capital (leverage) ratio | 9.7447% | 3,457 |
| Tier 1 risk-based capital ratio | 11.2377% | 6,321 |
| Total risk-based capital ratio | 12.4929% | 6,287 |
| Memoranda: | ||
| Average total assets | $68,872,500 | 5,902 |
| Average earning assets | $59,286,500 | 6,021 |
| Average equity | $6,682,500 | 6,030 |
| Average total loans | $54,110,500 | 5,251 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8142% | 197 |
| Cost of funding earning assets | 1.4923% | 2,693 |
| Net interest margin | 5.3218% | 233 |
| Noninterest income to average assets | -0.2080% | 7,473 |
| Noninterest expense to average assets | 3.1325% | 3,339 |
| Loan and lease loss provision to assets | 0.6096% | 2,695 |
| Net operating income to assets | 0.4231% | 4,443 |
| Return on assets (ROA) | 0.4231% | 4,576 |
| Pretax return on assets | 0.4231% | 4,875 |
| Return on Equity (ROE) | 5.9500% | 3,630 |
| Retained earnings to average equity (ytd only) | 5.9500% | 1,841 |
| Net charge-offs to loans | 1.8111% | 1,164 |
| Credit loss provision to net charge-offs | 41.5851% | 6,363 |
| Earnings coverage of net charge-offs (x) | 0.7045% | 5,403 |
| Efficiency ratio | 75.2066% | 3,163 |
| Assets per employee ($millions) | 5.6829% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 2,518 |
| Loan loss allowance to noncurrent loans | 15.8437% | 6,956 |
| Noncurrent assets plus other real estate owned to assets | 17.6230% | 99 |
| Noncurrent loans to loans | 12.0906% | 285 |
| Net loans and leases to total assets | 77.3356% | 1,042 |
| Net loans and leases to deposits | 86.3823% | 2,026 |
| Net loans and leases to core deposits | 89.7517% | 2,804 |
| Total domestic deposits to total assets | 89.5271% | 1,369 |
| Equity capital to assets | 9.7661% | 4,038 |
| Core capital (leverage) ratio | 9.6873% | 3,443 |
| Tier 1 risk-based capital ratio | 11.3065% | 6,082 |
| Total risk-based capital ratio | 12.5628% | 6,070 |
| Memoranda: | ||
| Average total assets | $69,720,200 | 5,900 |
| Average earning assets | $57,292,400 | 6,086 |
| Average equity | $4,958,000 | 6,676 |
| Average total loans | $56,429,800 | 5,216 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8068% | 200 |
| Cost of funding earning assets | 1.5798% | 2,512 |
| Net interest margin | 5.2270% | 271 |
| Noninterest income to average assets | -0.4508% | 7,669 |
| Noninterest expense to average assets | 2.9442% | 3,938 |
| Loan and lease loss provision to assets | 0.2853% | 4,289 |
| Net operating income to assets | 0.5801% | 3,959 |
| Return on assets (ROA) | 0.5801% | 4,116 |
| Pretax return on assets | 0.5801% | 4,661 |
| Return on Equity (ROE) | 8.9721% | 2,501 |
| Retained earnings to average equity (ytd only) | 8.9721% | 1,062 |
| Net charge-offs to loans | 1.4549% | 1,396 |
| Credit loss provision to net charge-offs | 24.0770% | 6,212 |
| Earnings coverage of net charge-offs (x) | 0.7303% | 5,326 |
| Efficiency ratio | 77.2841% | 2,726 |
| Assets per employee ($millions) | 5.7038% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0773% | 2,053 |
| Loan loss allowance to noncurrent loans | 15.3662% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 17.5206% | 97 |
| Noncurrent loans to loans | 13.5186% | 208 |
| Net loans and leases to total assets | 79.4784% | 829 |
| Net loans and leases to deposits | 86.1766% | 2,294 |
| Net loans and leases to core deposits | 89.7126% | 3,140 |
| Total domestic deposits to total assets | 92.2273% | 160 |
| Equity capital to assets | 7.1561% | 7,287 |
| Core capital (leverage) ratio | 7.0510% | 7,140 |
| Tier 1 risk-based capital ratio | 8.2195% | 7,458 |
| Total risk-based capital ratio | 9.4781% | 7,466 |
| Memoranda: | ||
| Average total assets | $70,101,500 | 5,944 |
| Average earning assets | $57,137,500 | 6,161 |
| Average equity | $4,532,500 | 6,894 |
| Average total loans | $57,095,000 | 5,274 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8836% | 183 |
| Cost of funding earning assets | 1.7218% | 2,004 |
| Net interest margin | 5.1618% | 305 |
| Noninterest income to average assets | -0.3312% | 7,719 |
| Noninterest expense to average assets | 3.0147% | 3,658 |
| Loan and lease loss provision to assets | 0.1840% | 5,032 |
| Net operating income to assets | 0.5944% | 3,901 |
| Return on assets (ROA) | 0.5944% | 4,039 |
| Pretax return on assets | 0.5944% | 4,578 |
| Return on Equity (ROE) | 9.5224% | 2,265 |
| Retained earnings to average equity (ytd only) | 9.5224% | 961 |
| Net charge-offs to loans | 1.8782% | 987 |
| Credit loss provision to net charge-offs | 12.0148% | 5,923 |
| Earnings coverage of net charge-offs (x) | 0.5083% | 5,221 |
| Efficiency ratio | 79.4776% | 2,508 |
| Assets per employee ($millions) | 5.8215% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0372% | 2,101 |
| Loan loss allowance to noncurrent loans | 13.9094% | 7,173 |
| Noncurrent assets plus other real estate owned to assets | 18.9728% | 69 |
| Noncurrent loans to loans | 14.6463% | 179 |
| Net loans and leases to total assets | 79.2293% | 913 |
| Net loans and leases to deposits | 85.7218% | 2,552 |
| Net loans and leases to core deposits | 89.2969% | 3,374 |
| Total domestic deposits to total assets | 92.4261% | 160 |
| Equity capital to assets | 6.8754% | 7,388 |
| Core capital (leverage) ratio | 6.8852% | 7,247 |
| Tier 1 risk-based capital ratio | 7.8756% | 7,529 |
| Total risk-based capital ratio | 9.1332% | 7,539 |
| Memoranda: | ||
| Average total assets | $70,653,670 | 5,955 |
| Average earning assets | $56,453,000 | 6,222 |
| Average equity | $4,410,670 | 6,974 |
| Average total loans | $57,609,000 | 5,283 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1073% | 145 |
| Cost of funding earning assets | 1.8892% | 1,494 |
| Net interest margin | 5.2181% | 279 |
| Noninterest income to average assets | -0.0732% | 7,738 |
| Noninterest expense to average assets | 3.2146% | 2,804 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8951% | 2,561 |
| Return on assets (ROA) | 0.8951% | 2,635 |
| Pretax return on assets | 0.8951% | 3,489 |
| Return on Equity (ROE) | 15.0908% | 858 |
| Retained earnings to average equity (ytd only) | 15.0908% | 400 |
| Net charge-offs to loans | 0.9422% | 1,713 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.1606% | 4,068 |
| Efficiency ratio | 78.2192% | 2,858 |
| Assets per employee ($millions) | 6.4658% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5960% | 1,183 |
| Loan loss allowance to noncurrent loans | 17.8979% | 7,112 |
| Noncurrent assets plus other real estate owned to assets | 19.4224% | 58 |
| Noncurrent loans to loans | 14.5047% | 200 |
| Net loans and leases to total assets | 78.6022% | 1,039 |
| Net loans and leases to deposits | 84.2095% | 2,907 |
| Net loans and leases to core deposits | 87.2779% | 3,711 |
| Total domestic deposits to total assets | 93.3412% | 101 |
| Equity capital to assets | 6.0373% | 7,616 |
| Core capital (leverage) ratio | 6.0743% | 7,568 |
| Tier 1 risk-based capital ratio | 6.9742% | 7,697 |
| Total risk-based capital ratio | 8.2394% | 7,700 |
| Memoranda: | ||
| Average total assets | $71,051,500 | 6,021 |
| Average earning assets | $56,955,500 | 6,279 |
| Average equity | $4,214,500 | 7,107 |
| Average total loans | $58,164,000 | 5,330 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1841% | 1,278 |
| Cost of funding earning assets | 2.3663% | 1,402 |
| Net interest margin | 3.8178% | 3,629 |
| Noninterest income to average assets | -0.7368% | 7,972 |
| Noninterest expense to average assets | 2.4027% | 6,461 |
| Loan and lease loss provision to assets | 4.9976% | 193 |
| Net operating income to assets | -4.8456% | 7,722 |
| Return on assets (ROA) | -4.8456% | 7,721 |
| Pretax return on assets | -4.8456% | 7,679 |
| Return on Equity (ROE) | -53.4455% | 7,713 |
| Retained earnings to average equity (ytd only) | -53.4455% | 7,708 |
| Net charge-offs to loans | 5.7922% | 181 |
| Credit loss provision to net charge-offs | 103.3871% | 5,341 |
| Earnings coverage of net charge-offs (x) | 0.0315% | 6,156 |
| Efficiency ratio | 94.0488% | 1,413 |
| Assets per employee ($millions) | 6.4526% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7608% | 965 |
| Loan loss allowance to noncurrent loans | 16.5936% | 7,197 |
| Noncurrent assets plus other real estate owned to assets | 20.1313% | 56 |
| Noncurrent loans to loans | 16.6375% | 122 |
| Net loans and leases to total assets | 80.7366% | 873 |
| Net loans and leases to deposits | 86.4840% | 2,824 |
| Net loans and leases to core deposits | 100.6463% | 3,935 |
| Total domestic deposits to total assets | 93.3544% | 105 |
| Equity capital to assets | 5.8257% | 7,685 |
| Core capital (leverage) ratio | 5.4454% | 7,722 |
| Tier 1 risk-based capital ratio | 6.5378% | 7,790 |
| Total risk-based capital ratio | 7.8042% | 7,791 |
| Memoranda: | ||
| Average total assets | $76,956,600 | 5,809 |
| Average earning assets | $66,347,400 | 5,925 |
| Average equity | $6,977,200 | 6,278 |
| Average total loans | $64,224,200 | 5,094 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5577% | 667 |
| Cost of funding earning assets | 2.4170% | 1,572 |
| Net interest margin | 4.1407% | 2,247 |
| Noninterest income to average assets | -0.4385% | 8,035 |
| Noninterest expense to average assets | 2.3675% | 6,512 |
| Loan and lease loss provision to assets | 2.1074% | 833 |
| Net operating income to assets | -1.3001% | 7,013 |
| Return on assets (ROA) | -1.3001% | 7,014 |
| Pretax return on assets | -1.3001% | 6,862 |
| Return on Equity (ROE) | -13.2675% | 7,090 |
| Retained earnings to average equity (ytd only) | -13.2675% | 7,023 |
| Net charge-offs to loans | 3.6248% | 406 |
| Credit loss provision to net charge-offs | 69.5847% | 5,989 |
| Earnings coverage of net charge-offs (x) | 0.2666% | 5,747 |
| Efficiency ratio | 74.5717% | 3,770 |
| Assets per employee ($millions) | 7.0555% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,168 |
| Loan loss allowance to noncurrent loans | 10.6912% | 7,438 |
| Noncurrent assets plus other real estate owned to assets | 17.0184% | 81 |
| Noncurrent loans to loans | 14.5539% | 159 |
| Net loans and leases to total assets | 78.1781% | 1,534 |
| Net loans and leases to deposits | 86.7193% | 3,182 |
| Net loans and leases to core deposits | 102.6390% | 4,087 |
| Total domestic deposits to total assets | 90.1508% | 714 |
| Equity capital to assets | 9.1470% | 5,263 |
| Core capital (leverage) ratio | 9.1214% | 4,458 |
| Tier 1 risk-based capital ratio | 10.8962% | 6,057 |
| Total risk-based capital ratio | 12.1487% | 6,014 |
| Memoranda: | ||
| Average total assets | $78,451,000 | 5,814 |
| Average earning assets | $68,457,750 | 5,898 |
| Average equity | $7,687,750 | 6,087 |
| Average total loans | $65,547,000 | 5,082 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7507% | 491 |
| Cost of funding earning assets | 2.4962% | 1,628 |
| Net interest margin | 4.2544% | 1,803 |
| Noninterest income to average assets | 0.2921% | 6,182 |
| Noninterest expense to average assets | 2.4082% | 6,435 |
| Loan and lease loss provision to assets | 1.6258% | 1,034 |
| Net operating income to assets | 0.0508% | 5,704 |
| Return on assets (ROA) | 0.0508% | 5,796 |
| Pretax return on assets | 0.0508% | 5,777 |
| Return on Equity (ROE) | 0.5074% | 5,785 |
| Retained earnings to average equity (ytd only) | 0.5074% | 5,004 |
| Net charge-offs to loans | 4.0328% | 350 |
| Credit loss provision to net charge-offs | 47.4777% | 5,798 |
| Earnings coverage of net charge-offs (x) | 0.4896% | 5,212 |
| Efficiency ratio | 58.9552% | 6,700 |
| Assets per employee ($millions) | 7.1583% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2547% | 4,569 |
| Loan loss allowance to noncurrent loans | 11.1361% | 7,474 |
| Noncurrent assets plus other real estate owned to assets | 14.5833% | 108 |
| Noncurrent loans to loans | 11.2669% | 260 |
| Net loans and leases to total assets | 79.2599% | 1,469 |
| Net loans and leases to deposits | 88.8955% | 3,017 |
| Net loans and leases to core deposits | 103.9474% | 4,066 |
| Total domestic deposits to total assets | 89.1607% | 1,191 |
| Equity capital to assets | 10.0126% | 3,922 |
| Core capital (leverage) ratio | 10.0303% | 3,265 |
| Tier 1 risk-based capital ratio | 11.8597% | 5,036 |
| Total risk-based capital ratio | 13.0526% | 5,011 |
| Memoranda: | ||
| Average total assets | $78,731,330 | 5,845 |
| Average earning assets | $70,185,670 | 5,878 |
| Average equity | $7,884,000 | 6,058 |
| Average total loans | $66,851,670 | 5,078 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3360% | 1,200 |
| Cost of funding earning assets | 2.6470% | 1,424 |
| Net interest margin | 3.6889% | 3,937 |
| Noninterest income to average assets | 0.2286% | 6,633 |
| Noninterest expense to average assets | 2.6065% | 5,425 |
| Loan and lease loss provision to assets | 0.7113% | 1,800 |
| Net operating income to assets | 0.2388% | 5,536 |
| Return on assets (ROA) | 0.2388% | 5,696 |
| Pretax return on assets | 0.2388% | 5,853 |
| Return on Equity (ROE) | 2.3846% | 5,629 |
| Retained earnings to average equity (ytd only) | 2.3846% | 4,550 |
| Net charge-offs to loans | 0.7747% | 1,658 |
| Credit loss provision to net charge-offs | 105.2632% | 3,601 |
| Earnings coverage of net charge-offs (x) | 1.4060% | 4,031 |
| Efficiency ratio | 73.2857% | 3,951 |
| Assets per employee ($millions) | 7.2521% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2068% | 1,074 |
| Loan loss allowance to noncurrent loans | 20.5282% | 7,141 |
| Noncurrent assets plus other real estate owned to assets | 13.3065% | 111 |
| Noncurrent loans to loans | 10.7500% | 241 |
| Net loans and leases to total assets | 83.7715% | 724 |
| Net loans and leases to deposits | 93.7541% | 2,313 |
| Net loans and leases to core deposits | 105.8528% | 3,937 |
| Total domestic deposits to total assets | 89.3523% | 1,076 |
| Equity capital to assets | 9.9169% | 4,091 |
| Core capital (leverage) ratio | 9.8870% | 3,534 |
| Tier 1 risk-based capital ratio | 11.7148% | 5,194 |
| Total risk-based capital ratio | 12.9765% | 5,110 |
| Memoranda: | ||
| Average total assets | $78,726,500 | 5,865 |
| Average earning assets | $71,023,000 | 5,878 |
| Average equity | $7,884,000 | 6,099 |
| Average total loans | $68,676,000 | 5,028 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1199% | 165 |
| Cost of funding earning assets | 2.9611% | 2,023 |
| Net interest margin | 5.1588% | 367 |
| Noninterest income to average assets | 0.9156% | 1,906 |
| Noninterest expense to average assets | 2.2731% | 6,780 |
| Loan and lease loss provision to assets | 1.6501% | 791 |
| Net operating income to assets | 1.7524% | 602 |
| Return on assets (ROA) | 1.7524% | 581 |
| Pretax return on assets | 1.7524% | 1,047 |
| Return on Equity (ROE) | 16.8084% | 658 |
| Retained earnings to average equity (ytd only) | 5.7370% | 1,647 |
| Net charge-offs to loans | 0.7891% | 1,576 |
| Credit loss provision to net charge-offs | 242.3892% | 1,925 |
| Earnings coverage of net charge-offs (x) | 4.9981% | 3,792 |
| Efficiency ratio | 40.0508% | 8,132 |
| Assets per employee ($millions) | 7.0618% | 687 |
| Cash dividends to net income (ytd only)* | 65.8683% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1748% | 974 |
| Loan loss allowance to noncurrent loans | 22.5375% | 7,119 |
| Noncurrent assets plus other real estate owned to assets | 9.4439% | 193 |
| Noncurrent loans to loans | 9.6498% | 226 |
| Net loans and leases to total assets | 86.9156% | 477 |
| Net loans and leases to deposits | 97.9600% | 2,134 |
| Net loans and leases to core deposits | 106.0255% | 4,195 |
| Total domestic deposits to total assets | 88.7255% | 1,136 |
| Equity capital to assets | 10.1146% | 3,905 |
| Core capital (leverage) ratio | 10.0773% | 3,376 |
| Tier 1 risk-based capital ratio | 12.0241% | 4,804 |
| Total risk-based capital ratio | 13.2871% | 4,676 |
| Memoranda: | ||
| Average total assets | $76,238,000 | 5,827 |
| Average earning assets | $70,345,600 | 5,807 |
| Average equity | $7,948,400 | 6,103 |
| Average total loans | $65,770,200 | 5,031 |