Home > Heritage Bank > Performance and Condition Ratios
Heritage Bank, Performance and Condition Ratios
| 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 | 5.7995% | 324 |
| Cost of funding earning assets | 0.7188% | 3,075 |
| Net interest margin | 5.0806% | 224 |
| Noninterest income to average assets | 0.3303% | 3,726 |
| Noninterest expense to average assets | 3.2956% | 1,306 |
| Loan and lease loss provision to assets | 0.1223% | 1,732 |
| Net operating income to assets | 1.2003% | 2,058 |
| Return on assets (ROA) | 1.2003% | 2,156 |
| Pretax return on assets | 1.5082% | 1,788 |
| Return on Equity (ROE) | 9.1973% | 2,661 |
| Retained earnings to average equity (ytd only) | 9.1973% | 663 |
| Net charge-offs to loans | 0.0737% | 2,036 |
| Credit loss provision to net charge-offs | 190.8602% | 1,383 |
| Earnings coverage of net charge-offs (x) | 25.4516% | 1,734 |
| Efficiency ratio | 66.2379% | 2,734 |
| Assets per employee ($millions) | 4.6918% | 2,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 2,427 |
| Loan loss allowance to noncurrent loans | 173.7651% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.6068% | 2,077 |
| Noncurrent loans to loans | 0.6919% | 2,153 |
| Net loans and leases to total assets | 86.6372% | 135 |
| Net loans and leases to deposits | 100.2891% | 590 |
| Net loans and leases to core deposits | 125.4342% | 357 |
| Total domestic deposits to total assets | 86.3874% | 1,891 |
| Equity capital to assets | 13.1677% | 1,430 |
| Core capital (leverage) ratio | 12.0050% | 1,775 |
| Tier 1 risk-based capital ratio | 13.2405% | 3,656 |
| Total risk-based capital ratio | 14.3977% | 3,602 |
| Memoranda: | ||
| Average total assets | $290,355,200 | 2,220 |
| Average earning assets | $262,644,600 | 2,259 |
| Average equity | $37,891,600 | 2,013 |
| Average total loans | $252,240,400 | 1,813 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7864% | 357 |
| Cost of funding earning assets | 0.7041% | 3,204 |
| Net interest margin | 5.0823% | 244 |
| Noninterest income to average assets | 0.3330% | 3,751 |
| Noninterest expense to average assets | 2.8053% | 2,549 |
| Loan and lease loss provision to assets | 0.1644% | 1,133 |
| Net operating income to assets | 1.5492% | 1,064 |
| Return on assets (ROA) | 1.5492% | 1,115 |
| Pretax return on assets | 1.9466% | 779 |
| Return on Equity (ROE) | 11.8995% | 1,656 |
| Retained earnings to average equity (ytd only) | 11.8995% | 394 |
| Net charge-offs to loans | 0.1005% | 1,470 |
| Credit loss provision to net charge-offs | 188.8298% | 1,384 |
| Earnings coverage of net charge-offs (x) | 24.2447% | 1,806 |
| Efficiency ratio | 56.3448% | 4,133 |
| Assets per employee ($millions) | 4.4521% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,590 |
| Loan loss allowance to noncurrent loans | 439.4444% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.2414% | 3,603 |
| Noncurrent loans to loans | 0.2696% | 3,576 |
| Net loans and leases to total assets | 88.4852% | 78 |
| Net loans and leases to deposits | 102.5073% | 478 |
| Net loans and leases to core deposits | 127.4517% | 343 |
| Total domestic deposits to total assets | 86.3209% | 1,857 |
| Equity capital to assets | 13.2064% | 1,509 |
| Core capital (leverage) ratio | 12.3407% | 1,662 |
| Tier 1 risk-based capital ratio | 13.3487% | 3,659 |
| Total risk-based capital ratio | 14.5198% | 3,608 |
| Memoranda: | ||
| Average total assets | $287,875,750 | 2,247 |
| Average earning assets | $259,612,250 | 2,292 |
| Average equity | $37,479,750 | 2,042 |
| Average total loans | $249,472,000 | 1,843 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6983% | 412 |
| Cost of funding earning assets | 0.6885% | 3,229 |
| Net interest margin | 5.0098% | 286 |
| Noninterest income to average assets | 0.3165% | 3,812 |
| Noninterest expense to average assets | 2.7911% | 2,620 |
| Loan and lease loss provision to assets | 0.2496% | 616 |
| Net operating income to assets | 1.4219% | 1,371 |
| Return on assets (ROA) | 1.4219% | 1,423 |
| Pretax return on assets | 1.7785% | 1,090 |
| Return on Equity (ROE) | 10.9767% | 1,983 |
| Retained earnings to average equity (ytd only) | 10.9767% | 546 |
| Net charge-offs to loans | 0.1560% | 1,006 |
| Credit loss provision to net charge-offs | 186.8421% | 1,281 |
| Earnings coverage of net charge-offs (x) | 15.1789% | 2,000 |
| Efficiency ratio | 57.0845% | 4,119 |
| Assets per employee ($millions) | 4.3888% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2575% | 2,210 |
| Loan loss allowance to noncurrent loans | 250.3563% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.4895% | 2,582 |
| Noncurrent loans to loans | 0.5023% | 2,775 |
| Net loans and leases to total assets | 85.7131% | 237 |
| Net loans and leases to deposits | 99.0193% | 749 |
| Net loans and leases to core deposits | 123.9856% | 431 |
| Total domestic deposits to total assets | 86.5620% | 1,792 |
| Equity capital to assets | 13.1428% | 1,519 |
| Core capital (leverage) ratio | 12.2806% | 1,653 |
| Tier 1 risk-based capital ratio | 13.3006% | 3,691 |
| Total risk-based capital ratio | 14.5118% | 3,612 |
| Memoranda: | ||
| Average total assets | $284,403,000 | 2,268 |
| Average earning assets | $255,620,670 | 2,322 |
| Average equity | $36,841,670 | 2,071 |
| Average total loans | $243,592,670 | 1,878 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 644 |
| Cost of funding earning assets | 0.6578% | 3,275 |
| Net interest margin | 4.7340% | 462 |
| Noninterest income to average assets | 0.2967% | 3,891 |
| Noninterest expense to average assets | 2.8378% | 2,451 |
| Loan and lease loss provision to assets | 0.1845% | 892 |
| Net operating income to assets | 1.2109% | 2,015 |
| Return on assets (ROA) | 1.2109% | 2,065 |
| Pretax return on assets | 1.5246% | 1,692 |
| Return on Equity (ROE) | 9.4183% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.4183% | 1,186 |
| Net charge-offs to loans | 0.2637% | 556 |
| Credit loss provision to net charge-offs | 82.2785% | 1,770 |
| Earnings coverage of net charge-offs (x) | 7.6203% | 2,122 |
| Efficiency ratio | 61.5048% | 3,610 |
| Assets per employee ($millions) | 4.0701% | 3,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 2,349 |
| Loan loss allowance to noncurrent loans | 202.5239% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 1,875 |
| Noncurrent loans to loans | 0.6150% | 2,489 |
| Net loans and leases to total assets | 83.8246% | 387 |
| Net loans and leases to deposits | 96.7945% | 904 |
| Net loans and leases to core deposits | 120.8888% | 503 |
| Total domestic deposits to total assets | 86.6006% | 2,006 |
| Equity capital to assets | 13.0547% | 1,421 |
| Core capital (leverage) ratio | 12.2211% | 1,647 |
| Tier 1 risk-based capital ratio | 13.7446% | 3,475 |
| Total risk-based capital ratio | 14.9691% | 3,402 |
| Memoranda: | ||
| Average total assets | $281,772,500 | 2,303 |
| Average earning assets | $252,980,000 | 2,358 |
| Average equity | $36,227,500 | 2,085 |
| Average total loans | $239,668,000 | 1,919 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 372 |
| Cost of funding earning assets | 0.5601% | 2,986 |
| Net interest margin | 4.9810% | 272 |
| Noninterest income to average assets | 0.3412% | 3,831 |
| Noninterest expense to average assets | 2.8186% | 2,628 |
| Loan and lease loss provision to assets | 0.1417% | 1,518 |
| Net operating income to assets | 1.5126% | 1,087 |
| Return on assets (ROA) | 1.5126% | 1,070 |
| Pretax return on assets | 1.8580% | 799 |
| Return on Equity (ROE) | 12.1298% | 1,668 |
| Retained earnings to average equity (ytd only) | 12.1298% | 310 |
| Net charge-offs to loans | 0.0082% | 3,395 |
| Credit loss provision to net charge-offs | 2,000.0000% | 220 |
| Earnings coverage of net charge-offs (x) | 282.2105% | 346 |
| Efficiency ratio | 57.5232% | 4,212 |
| Assets per employee ($millions) | 4.2835% | 3,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,332 |
| Loan loss allowance to noncurrent loans | 163.5917% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 2,100 |
| Noncurrent loans to loans | 0.7603% | 2,102 |
| Net loans and leases to total assets | 84.1715% | 400 |
| Net loans and leases to deposits | 96.7412% | 998 |
| Net loans and leases to core deposits | 120.6869% | 522 |
| Total domestic deposits to total assets | 87.0069% | 1,782 |
| Equity capital to assets | 12.6606% | 1,507 |
| Core capital (leverage) ratio | 11.8081% | 1,867 |
| Tier 1 risk-based capital ratio | 13.3133% | 3,655 |
| Total risk-based capital ratio | 14.5435% | 3,548 |
| Memoranda: | ||
| Average total assets | $268,144,800 | 2,349 |
| Average earning assets | $241,015,800 | 2,402 |
| Average equity | $33,438,200 | 2,135 |
| Average total loans | $231,018,400 | 1,940 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5683% | 315 |
| Cost of funding earning assets | 0.5361% | 2,958 |
| Net interest margin | 5.0322% | 254 |
| Noninterest income to average assets | 0.3488% | 3,803 |
| Noninterest expense to average assets | 2.8057% | 2,617 |
| Loan and lease loss provision to assets | 0.1159% | 1,750 |
| Net operating income to assets | 1.5263% | 1,133 |
| Return on assets (ROA) | 1.5263% | 1,133 |
| Pretax return on assets | 1.9412% | 750 |
| Return on Equity (ROE) | 12.2901% | 1,683 |
| Retained earnings to average equity (ytd only) | 12.2901% | 443 |
| Net charge-offs to loans | -0.0035% | 4,161 |
| Credit loss provision to net charge-offs | -3,833.3333% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5046% | 4,314 |
| Assets per employee ($millions) | 4.5281% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 2,527 |
| Loan loss allowance to noncurrent loans | 384.9866% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2746% | 3,586 |
| Noncurrent loans to loans | 0.3163% | 3,535 |
| Net loans and leases to total assets | 85.7575% | 287 |
| Net loans and leases to deposits | 98.8113% | 879 |
| Net loans and leases to core deposits | 124.6220% | 447 |
| Total domestic deposits to total assets | 86.7892% | 1,828 |
| Equity capital to assets | 12.7871% | 1,428 |
| Core capital (leverage) ratio | 11.6611% | 2,037 |
| Tier 1 risk-based capital ratio | 13.1986% | 3,783 |
| Total risk-based capital ratio | 14.4063% | 3,723 |
| Memoranda: | ||
| Average total assets | $264,503,250 | 2,385 |
| Average earning assets | $237,264,250 | 2,446 |
| Average equity | $32,849,500 | 2,167 |
| Average total loans | $228,533,250 | 1,961 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4323% | 364 |
| Cost of funding earning assets | 0.5015% | 3,000 |
| Net interest margin | 4.9308% | 279 |
| Noninterest income to average assets | 0.3487% | 3,833 |
| Noninterest expense to average assets | 2.8362% | 2,557 |
| Loan and lease loss provision to assets | 0.0954% | 2,023 |
| Net operating income to assets | 1.4467% | 1,289 |
| Return on assets (ROA) | 1.4467% | 1,290 |
| Pretax return on assets | 1.8435% | 885 |
| Return on Equity (ROE) | 11.7695% | 1,813 |
| Retained earnings to average equity (ytd only) | 11.7695% | 556 |
| Net charge-offs to loans | -0.0044% | 4,072 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3253% | 4,182 |
| Assets per employee ($millions) | 4.4636% | 3,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,933 |
| Loan loss allowance to noncurrent loans | 355.5270% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 3,621 |
| Noncurrent loans to loans | 0.3264% | 3,534 |
| Net loans and leases to total assets | 86.5319% | 225 |
| Net loans and leases to deposits | 102.3586% | 638 |
| Net loans and leases to core deposits | 129.3311% | 343 |
| Total domestic deposits to total assets | 84.5380% | 2,853 |
| Equity capital to assets | 12.3454% | 1,633 |
| Core capital (leverage) ratio | 11.5370% | 2,038 |
| Tier 1 risk-based capital ratio | 12.6503% | 4,094 |
| Total risk-based capital ratio | 13.8080% | 4,048 |
| Memoranda: | ||
| Average total assets | $262,108,670 | 2,404 |
| Average earning assets | $235,296,000 | 2,473 |
| Average equity | $32,219,000 | 2,216 |
| Average total loans | $226,089,670 | 1,984 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3315% | 387 |
| Cost of funding earning assets | 0.4761% | 2,998 |
| Net interest margin | 4.8553% | 304 |
| Noninterest income to average assets | 0.3533% | 3,784 |
| Noninterest expense to average assets | 2.9102% | 2,327 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4038% | 1,329 |
| Return on assets (ROA) | 1.4038% | 1,335 |
| Pretax return on assets | 1.7913% | 929 |
| Return on Equity (ROE) | 11.4462% | 1,793 |
| Retained earnings to average equity (ytd only) | 11.4462% | 800 |
| Net charge-offs to loans | -0.0073% | 4,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7746% | 3,975 |
| Assets per employee ($millions) | 4.4226% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 2,836 |
| Loan loss allowance to noncurrent loans | 335.8779% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 3,524 |
| Noncurrent loans to loans | 0.3556% | 3,496 |
| Net loans and leases to total assets | 83.6866% | 470 |
| Net loans and leases to deposits | 95.9665% | 1,038 |
| Net loans and leases to core deposits | 120.6955% | 569 |
| Total domestic deposits to total assets | 87.2040% | 2,043 |
| Equity capital to assets | 12.3545% | 1,575 |
| Core capital (leverage) ratio | 11.4118% | 2,078 |
| Tier 1 risk-based capital ratio | 12.8290% | 4,050 |
| Total risk-based capital ratio | 14.0053% | 3,974 |
| Memoranda: | ||
| Average total assets | $257,023,000 | 2,465 |
| Average earning assets | $230,180,000 | 2,531 |
| Average equity | $31,521,500 | 2,270 |
| Average total loans | $219,947,000 | 2,039 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2193% | 431 |
| Cost of funding earning assets | 0.3972% | 3,285 |
| Net interest margin | 4.8221% | 337 |
| Noninterest income to average assets | 0.2945% | 4,348 |
| Noninterest expense to average assets | 2.8866% | 2,500 |
| Loan and lease loss provision to assets | 0.0512% | 3,200 |
| Net operating income to assets | 1.1320% | 1,747 |
| Return on assets (ROA) | 1.1320% | 1,776 |
| Pretax return on assets | 1.6735% | 1,084 |
| Return on Equity (ROE) | 9.8491% | 1,952 |
| Retained earnings to average equity (ytd only) | 9.8491% | 373 |
| Net charge-offs to loans | 0.0153% | 3,578 |
| Credit loss provision to net charge-offs | 393.9394% | 769 |
| Earnings coverage of net charge-offs (x) | 132.7273% | 517 |
| Efficiency ratio | 61.6771% | 3,989 |
| Assets per employee ($millions) | 4.0825% | 3,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,749 |
| Loan loss allowance to noncurrent loans | 869.9670% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 4,405 |
| Noncurrent loans to loans | 0.1384% | 4,372 |
| Net loans and leases to total assets | 85.4369% | 296 |
| Net loans and leases to deposits | 98.7768% | 843 |
| Net loans and leases to core deposits | 115.4853% | 738 |
| Total domestic deposits to total assets | 86.4950% | 2,234 |
| Equity capital to assets | 12.1708% | 1,723 |
| Core capital (leverage) ratio | 10.8168% | 2,518 |
| Tier 1 risk-based capital ratio | 12.5200% | 4,197 |
| Total risk-based capital ratio | 13.7217% | 4,127 |
| Memoranda: | ||
| Average total assets | $253,964,600 | 2,461 |
| Average earning assets | $227,348,400 | 2,522 |
| Average equity | $29,190,400 | 2,415 |
| Average total loans | $215,219,800 | 2,035 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1901% | 423 |
| Cost of funding earning assets | 0.3877% | 3,306 |
| Net interest margin | 4.8024% | 330 |
| Noninterest income to average assets | 0.2864% | 4,477 |
| Noninterest expense to average assets | 2.8719% | 2,502 |
| Loan and lease loss provision to assets | 0.0682% | 2,710 |
| Net operating income to assets | 1.0905% | 2,128 |
| Return on assets (ROA) | 1.0905% | 2,185 |
| Pretax return on assets | 1.6408% | 1,275 |
| Return on Equity (ROE) | 9.6293% | 2,293 |
| Retained earnings to average equity (ytd only) | 9.6293% | 671 |
| Net charge-offs to loans | 0.0205% | 3,079 |
| Credit loss provision to net charge-offs | 393.9394% | 775 |
| Earnings coverage of net charge-offs (x) | 98.7248% | 694 |
| Efficiency ratio | 61.8344% | 3,911 |
| Assets per employee ($millions) | 4.4921% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,904 |
| Loan loss allowance to noncurrent loans | 855.8442% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 4,537 |
| Noncurrent loans to loans | 0.1408% | 4,491 |
| Net loans and leases to total assets | 82.9420% | 551 |
| Net loans and leases to deposits | 99.2017% | 803 |
| Net loans and leases to core deposits | 115.3353% | 772 |
| Total domestic deposits to total assets | 83.6095% | 3,256 |
| Equity capital to assets | 11.4588% | 2,414 |
| Core capital (leverage) ratio | 10.3356% | 3,156 |
| Tier 1 risk-based capital ratio | 11.9482% | 4,667 |
| Total risk-based capital ratio | 13.1394% | 4,583 |
| Memoranda: | ||
| Average total assets | $254,177,500 | 2,483 |
| Average earning assets | $227,297,750 | 2,546 |
| Average equity | $28,786,500 | 2,459 |
| Average total loans | $214,302,750 | 2,051 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1895% | 404 |
| Cost of funding earning assets | 0.3617% | 3,468 |
| Net interest margin | 4.8278% | 306 |
| Noninterest income to average assets | 0.2825% | 4,535 |
| Noninterest expense to average assets | 2.8859% | 2,471 |
| Loan and lease loss provision to assets | 0.0714% | 2,544 |
| Net operating income to assets | 1.0982% | 1,984 |
| Return on assets (ROA) | 1.0982% | 2,041 |
| Pretax return on assets | 1.6465% | 1,204 |
| Return on Equity (ROE) | 9.7361% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.7361% | 634 |
| Net charge-offs to loans | 0.0310% | 2,585 |
| Credit loss provision to net charge-offs | 272.7273% | 1,023 |
| Earnings coverage of net charge-offs (x) | 65.6061% | 882 |
| Efficiency ratio | 61.9097% | 4,000 |
| Assets per employee ($millions) | 4.1172% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 3,136 |
| Loan loss allowance to noncurrent loans | 731.2676% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 4,520 |
| Noncurrent loans to loans | 0.1614% | 4,473 |
| Net loans and leases to total assets | 85.1452% | 331 |
| Net loans and leases to deposits | 103.3166% | 534 |
| Net loans and leases to core deposits | 117.4089% | 667 |
| Total domestic deposits to total assets | 82.4119% | 3,766 |
| Equity capital to assets | 11.4243% | 2,396 |
| Core capital (leverage) ratio | 10.1201% | 3,377 |
| Tier 1 risk-based capital ratio | 11.7659% | 4,788 |
| Total risk-based capital ratio | 12.9534% | 4,716 |
| Memoranda: | ||
| Average total assets | $252,056,330 | 2,501 |
| Average earning assets | $225,609,000 | 2,578 |
| Average equity | $28,430,330 | 2,475 |
| Average total loans | $212,825,670 | 2,067 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 452 |
| Cost of funding earning assets | 0.3388% | 3,649 |
| Net interest margin | 4.7515% | 340 |
| Noninterest income to average assets | 0.3019% | 4,400 |
| Noninterest expense to average assets | 2.9083% | 2,435 |
| Loan and lease loss provision to assets | 0.0639% | 2,524 |
| Net operating income to assets | 1.0237% | 2,205 |
| Return on assets (ROA) | 1.0237% | 2,261 |
| Pretax return on assets | 1.5636% | 1,326 |
| Return on Equity (ROE) | 9.1361% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.1361% | 1,035 |
| Net charge-offs to loans | 0.1606% | 1,009 |
| Credit loss provision to net charge-offs | 47.6190% | 2,007 |
| Earnings coverage of net charge-offs (x) | 12.1310% | 1,853 |
| Efficiency ratio | 63.3099% | 3,940 |
| Assets per employee ($millions) | 4.5102% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 3,255 |
| Loan loss allowance to noncurrent loans | 436.9527% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 4,191 |
| Noncurrent loans to loans | 0.2702% | 4,136 |
| Net loans and leases to total assets | 82.6849% | 493 |
| Net loans and leases to deposits | 99.9564% | 620 |
| Net loans and leases to core deposits | 113.5798% | 698 |
| Total domestic deposits to total assets | 82.7209% | 3,940 |
| Equity capital to assets | 11.2364% | 2,399 |
| Core capital (leverage) ratio | 10.1276% | 3,340 |
| Tier 1 risk-based capital ratio | 11.6806% | 4,925 |
| Total risk-based capital ratio | 12.8481% | 4,874 |
| Memoranda: | ||
| Average total assets | $250,452,500 | 2,538 |
| Average earning assets | $223,171,500 | 2,619 |
| Average equity | $28,064,500 | 2,508 |
| Average total loans | $209,268,000 | 2,105 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2052% | 414 |
| Cost of funding earning assets | 0.2896% | 4,178 |
| Net interest margin | 4.9157% | 285 |
| Noninterest income to average assets | 0.4643% | 3,455 |
| Noninterest expense to average assets | 2.9416% | 2,523 |
| Loan and lease loss provision to assets | 0.3893% | 407 |
| Net operating income to assets | 0.9845% | 2,418 |
| Return on assets (ROA) | 0.9845% | 2,519 |
| Pretax return on assets | 1.5056% | 1,568 |
| Return on Equity (ROE) | 9.1974% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.1974% | 543 |
| Net charge-offs to loans | 0.3200% | 857 |
| Credit loss provision to net charge-offs | 146.7846% | 1,864 |
| Earnings coverage of net charge-offs (x) | 7.1447% | 3,065 |
| Efficiency ratio | 59.5521% | 4,656 |
| Assets per employee ($millions) | 4.4345% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,971 |
| Loan loss allowance to noncurrent loans | 600.2364% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 4,640 |
| Noncurrent loans to loans | 0.2041% | 4,426 |
| Net loans and leases to total assets | 82.4148% | 551 |
| Net loans and leases to deposits | 100.9958% | 601 |
| Net loans and leases to core deposits | 114.9378% | 660 |
| Total domestic deposits to total assets | 81.6022% | 4,177 |
| Equity capital to assets | 11.1741% | 2,449 |
| Core capital (leverage) ratio | 9.8704% | 3,666 |
| Tier 1 risk-based capital ratio | 11.7357% | 4,905 |
| Total risk-based capital ratio | 12.9529% | 4,829 |
| Memoranda: | ||
| Average total assets | $234,529,800 | 2,619 |
| Average earning assets | $208,599,000 | 2,710 |
| Average equity | $25,104,800 | 2,711 |
| Average total loans | $194,358,800 | 2,161 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1473% | 458 |
| Cost of funding earning assets | 0.2754% | 4,335 |
| Net interest margin | 4.8720% | 322 |
| Noninterest income to average assets | 0.4853% | 3,350 |
| Noninterest expense to average assets | 2.9484% | 2,467 |
| Loan and lease loss provision to assets | 0.4806% | 266 |
| Net operating income to assets | 0.9336% | 2,732 |
| Return on assets (ROA) | 0.9336% | 2,857 |
| Pretax return on assets | 1.3848% | 2,103 |
| Return on Equity (ROE) | 8.8255% | 2,594 |
| Retained earnings to average equity (ytd only) | 8.8255% | 872 |
| Net charge-offs to loans | 0.4178% | 515 |
| Credit loss provision to net charge-offs | 139.0651% | 1,877 |
| Earnings coverage of net charge-offs (x) | 5.3973% | 3,138 |
| Efficiency ratio | 59.8706% | 4,560 |
| Assets per employee ($millions) | 4.4351% | 3,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 3,235 |
| Loan loss allowance to noncurrent loans | 545.4945% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.4222% | 3,740 |
| Noncurrent loans to loans | 0.2200% | 4,480 |
| Net loans and leases to total assets | 83.7615% | 426 |
| Net loans and leases to deposits | 101.9352% | 576 |
| Net loans and leases to core deposits | 114.5104% | 704 |
| Total domestic deposits to total assets | 82.1713% | 3,891 |
| Equity capital to assets | 10.3582% | 3,737 |
| Core capital (leverage) ratio | 9.0988% | 4,717 |
| Tier 1 risk-based capital ratio | 10.5184% | 5,614 |
| Total risk-based capital ratio | 11.7121% | 5,562 |
| Memoranda: | ||
| Average total assets | $231,078,750 | 2,662 |
| Average earning assets | $205,305,750 | 2,746 |
| Average equity | $24,443,750 | 2,784 |
| Average total loans | $191,147,750 | 2,199 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1949% | 428 |
| Cost of funding earning assets | 0.2528% | 4,630 |
| Net interest margin | 4.9421% | 292 |
| Noninterest income to average assets | 0.5212% | 3,056 |
| Noninterest expense to average assets | 2.9842% | 2,397 |
| Loan and lease loss provision to assets | 0.5759% | 199 |
| Net operating income to assets | 0.9110% | 2,809 |
| Return on assets (ROA) | 0.9110% | 2,941 |
| Pretax return on assets | 1.3395% | 2,249 |
| Return on Equity (ROE) | 8.5480% | 2,725 |
| Retained earnings to average equity (ytd only) | 8.5480% | 994 |
| Net charge-offs to loans | 0.6433% | 321 |
| Credit loss provision to net charge-offs | 109.1973% | 1,975 |
| Earnings coverage of net charge-offs (x) | 3.6321% | 3,082 |
| Efficiency ratio | 59.4312% | 4,720 |
| Assets per employee ($millions) | 4.3172% | 3,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1654% | 3,549 |
| Loan loss allowance to noncurrent loans | 988.4120% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.3342% | 4,161 |
| Noncurrent loans to loans | 0.1179% | 4,974 |
| Net loans and leases to total assets | 80.7885% | 785 |
| Net loans and leases to deposits | 98.1650% | 874 |
| Net loans and leases to core deposits | 108.7869% | 996 |
| Total domestic deposits to total assets | 82.2987% | 3,910 |
| Equity capital to assets | 10.2067% | 3,967 |
| Core capital (leverage) ratio | 9.1414% | 4,674 |
| Tier 1 risk-based capital ratio | 10.8571% | 5,502 |
| Total risk-based capital ratio | 12.0329% | 5,457 |
| Memoranda: | ||
| Average total assets | $226,794,000 | 2,715 |
| Average earning assets | $200,928,000 | 2,804 |
| Average equity | $24,169,330 | 2,821 |
| Average total loans | $185,929,000 | 2,251 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1827% | 429 |
| Cost of funding earning assets | 0.2370% | 4,838 |
| Net interest margin | 4.9457% | 285 |
| Noninterest income to average assets | 0.6001% | 2,533 |
| Noninterest expense to average assets | 3.0313% | 2,296 |
| Loan and lease loss provision to assets | 0.3101% | 499 |
| Net operating income to assets | 1.1253% | 1,812 |
| Return on assets (ROA) | 1.1253% | 1,915 |
| Pretax return on assets | 1.6360% | 1,214 |
| Return on Equity (ROE) | 10.3195% | 1,846 |
| Retained earnings to average equity (ytd only) | 10.3195% | 782 |
| Net charge-offs to loans | 0.8663% | 236 |
| Credit loss provision to net charge-offs | 43.5897% | 2,114 |
| Earnings coverage of net charge-offs (x) | 2.7359% | 2,642 |
| Efficiency ratio | 59.3990% | 4,824 |
| Assets per employee ($millions) | 3.9528% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 4,026 |
| Loan loss allowance to noncurrent loans | 762.4060% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 3,993 |
| Noncurrent loans to loans | 0.1449% | 4,899 |
| Net loans and leases to total assets | 80.5701% | 736 |
| Net loans and leases to deposits | 97.0936% | 831 |
| Net loans and leases to core deposits | 106.6906% | 1,037 |
| Total domestic deposits to total assets | 82.9818% | 3,903 |
| Equity capital to assets | 10.7624% | 3,193 |
| Core capital (leverage) ratio | 9.5880% | 4,047 |
| Tier 1 risk-based capital ratio | 11.1323% | 5,434 |
| Total risk-based capital ratio | 12.2164% | 5,433 |
| Memoranda: | ||
| Average total assets | $219,310,000 | 2,787 |
| Average earning assets | $194,108,000 | 2,888 |
| Average equity | $23,916,000 | 2,842 |
| Average total loans | $180,084,000 | 2,309 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8989% | 769 |
| Cost of funding earning assets | 0.2132% | 5,161 |
| Net interest margin | 4.6857% | 460 |
| Noninterest income to average assets | 0.5277% | 3,152 |
| Noninterest expense to average assets | 3.0632% | 2,341 |
| Loan and lease loss provision to assets | 0.4517% | 269 |
| Net operating income to assets | 0.8136% | 3,285 |
| Return on assets (ROA) | 0.8136% | 3,360 |
| Pretax return on assets | 1.2231% | 2,582 |
| Return on Equity (ROE) | 7.2064% | 3,404 |
| Retained earnings to average equity (ytd only) | 7.2064% | 1,196 |
| Net charge-offs to loans | 0.0695% | 2,850 |
| Credit loss provision to net charge-offs | 819.8198% | 418 |
| Earnings coverage of net charge-offs (x) | 30.3964% | 1,445 |
| Efficiency ratio | 62.9230% | 4,456 |
| Assets per employee ($millions) | 4.0247% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 3,052 |
| Loan loss allowance to noncurrent loans | 74.9583% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 1,414 |
| Noncurrent loans to loans | 1.6981% | 1,333 |
| Net loans and leases to total assets | 81.7400% | 623 |
| Net loans and leases to deposits | 98.9754% | 750 |
| Net loans and leases to core deposits | 107.5282% | 998 |
| Total domestic deposits to total assets | 82.5862% | 3,982 |
| Equity capital to assets | 11.0558% | 2,767 |
| Core capital (leverage) ratio | 9.6305% | 4,004 |
| Tier 1 risk-based capital ratio | 11.4451% | 5,289 |
| Total risk-based capital ratio | 12.6952% | 5,192 |
| Memoranda: | ||
| Average total assets | $201,454,000 | 2,936 |
| Average earning assets | $181,020,000 | 2,991 |
| Average equity | $22,743,800 | 2,902 |
| Average total loans | $159,639,600 | 2,478 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8478% | 858 |
| Cost of funding earning assets | 0.2129% | 5,258 |
| Net interest margin | 4.6349% | 510 |
| Noninterest income to average assets | 0.5246% | 3,205 |
| Noninterest expense to average assets | 3.0395% | 2,399 |
| Loan and lease loss provision to assets | 0.4400% | 255 |
| Net operating income to assets | 0.8215% | 3,326 |
| Return on assets (ROA) | 0.8215% | 3,412 |
| Pretax return on assets | 1.2125% | 2,773 |
| Return on Equity (ROE) | 7.2363% | 3,508 |
| Retained earnings to average equity (ytd only) | 7.2363% | 1,583 |
| Net charge-offs to loans | -0.0180% | 5,169 |
| Credit loss provision to net charge-offs | -3,119.0476% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0064% | 4,403 |
| Assets per employee ($millions) | 4.2379% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2523% | 3,351 |
| Loan loss allowance to noncurrent loans | 68.0218% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.4743% | 1,528 |
| Noncurrent loans to loans | 1.8411% | 1,276 |
| Net loans and leases to total assets | 79.0750% | 945 |
| Net loans and leases to deposits | 93.4459% | 1,262 |
| Net loans and leases to core deposits | 100.6415% | 1,463 |
| Total domestic deposits to total assets | 84.6212% | 3,165 |
| Equity capital to assets | 10.9507% | 3,080 |
| Core capital (leverage) ratio | 9.7388% | 3,982 |
| Tier 1 risk-based capital ratio | 11.7643% | 5,227 |
| Total risk-based capital ratio | 13.0147% | 5,148 |
| Memoranda: | ||
| Average total assets | $198,490,500 | 2,986 |
| Average earning assets | $178,466,500 | 3,042 |
| Average equity | $22,534,000 | 2,940 |
| Average total loans | $155,398,000 | 2,538 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8269% | 847 |
| Cost of funding earning assets | 0.2125% | 5,325 |
| Net interest margin | 4.6144% | 525 |
| Noninterest income to average assets | 0.5700% | 2,904 |
| Noninterest expense to average assets | 3.0904% | 2,272 |
| Loan and lease loss provision to assets | 0.5515% | 171 |
| Net operating income to assets | 0.7205% | 3,789 |
| Return on assets (ROA) | 0.7205% | 3,906 |
| Pretax return on assets | 1.0700% | 3,302 |
| Return on Equity (ROE) | 6.2661% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.2661% | 2,083 |
| Net charge-offs to loans | -0.0279% | 5,297 |
| Credit loss provision to net charge-offs | -2,547.6190% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7716% | 4,392 |
| Assets per employee ($millions) | 3.8614% | 4,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 3,439 |
| Loan loss allowance to noncurrent loans | 139.0430% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 3,184 |
| Noncurrent loans to loans | 0.9083% | 2,855 |
| Net loans and leases to total assets | 79.5940% | 857 |
| Net loans and leases to deposits | 97.2315% | 858 |
| Net loans and leases to core deposits | 100.2603% | 1,471 |
| Total domestic deposits to total assets | 81.8602% | 4,343 |
| Equity capital to assets | 11.4989% | 2,416 |
| Core capital (leverage) ratio | 9.9058% | 3,731 |
| Tier 1 risk-based capital ratio | 12.0078% | 5,147 |
| Total risk-based capital ratio | 13.2568% | 5,041 |
| Memoranda: | ||
| Average total assets | $194,022,330 | 3,048 |
| Average earning assets | $174,149,330 | 3,106 |
| Average equity | $22,310,670 | 2,971 |
| Average total loans | $150,637,000 | 2,607 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8580% | 768 |
| Cost of funding earning assets | 0.2136% | 5,380 |
| Net interest margin | 4.6443% | 455 |
| Noninterest income to average assets | 0.3531% | 4,377 |
| Noninterest expense to average assets | 3.0472% | 2,433 |
| Loan and lease loss provision to assets | 0.3220% | 428 |
| Net operating income to assets | 0.8122% | 3,204 |
| Return on assets (ROA) | 0.8122% | 3,327 |
| Pretax return on assets | 1.1383% | 2,914 |
| Return on Equity (ROE) | 7.0630% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.0630% | 1,987 |
| Net charge-offs to loans | -0.0437% | 5,450 |
| Credit loss provision to net charge-offs | -968.7500% | 4,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7143% | 4,206 |
| Assets per employee ($millions) | 3.9727% | 4,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 4,583 |
| Loan loss allowance to noncurrent loans | 113.1285% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 3,286 |
| Noncurrent loans to loans | 0.9604% | 2,854 |
| Net loans and leases to total assets | 75.7634% | 1,245 |
| Net loans and leases to deposits | 93.3160% | 1,055 |
| Net loans and leases to core deposits | 96.4383% | 1,585 |
| Total domestic deposits to total assets | 81.1902% | 4,767 |
| Equity capital to assets | 11.4906% | 2,467 |
| Core capital (leverage) ratio | 10.1420% | 3,414 |
| Tier 1 risk-based capital ratio | 12.1745% | 5,132 |
| Total risk-based capital ratio | 13.2152% | 5,154 |
| Memoranda: | ||
| Average total assets | $192,567,500 | 3,084 |
| Average earning assets | $172,252,500 | 3,150 |
| Average equity | $22,143,500 | 3,006 |
| Average total loans | $146,580,000 | 2,666 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7675% | 1,177 |
| Cost of funding earning assets | 0.3390% | 4,379 |
| Net interest margin | 4.4285% | 850 |
| Noninterest income to average assets | 0.3531% | 4,580 |
| Noninterest expense to average assets | 3.3148% | 1,894 |
| Loan and lease loss provision to assets | 0.2610% | 853 |
| Net operating income to assets | 0.4395% | 5,070 |
| Return on assets (ROA) | 0.4395% | 5,159 |
| Pretax return on assets | 0.6496% | 4,787 |
| Return on Equity (ROE) | 3.3254% | 5,364 |
| Retained earnings to average equity (ytd only) | 3.3254% | 3,857 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1542% | 2,336 |
| Assets per employee ($millions) | 3.9681% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0059% | 5,010 |
| Loan loss allowance to noncurrent loans | 407.0225% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 5,279 |
| Noncurrent loans to loans | 0.2471% | 4,942 |
| Net loans and leases to total assets | 74.8707% | 1,440 |
| Net loans and leases to deposits | 90.1139% | 1,511 |
| Net loans and leases to core deposits | 92.0562% | 2,077 |
| Total domestic deposits to total assets | 83.0846% | 4,044 |
| Equity capital to assets | 11.5078% | 2,423 |
| Core capital (leverage) ratio | 9.8143% | 3,819 |
| Tier 1 risk-based capital ratio | 11.9871% | 5,376 |
| Total risk-based capital ratio | 12.9613% | 5,447 |
| Memoranda: | ||
| Average total assets | $155,184,000 | 3,563 |
| Average earning assets | $135,690,000 | 3,664 |
| Average equity | $20,508,800 | 3,102 |
| Average total loans | $107,752,400 | 3,272 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 1,582 |
| Cost of funding earning assets | 0.3827% | 3,984 |
| Net interest margin | 4.2099% | 1,258 |
| Noninterest income to average assets | 0.2560% | 5,387 |
| Noninterest expense to average assets | 3.2048% | 2,163 |
| Loan and lease loss provision to assets | 0.1275% | 1,964 |
| Net operating income to assets | 0.3790% | 5,328 |
| Return on assets (ROA) | 0.3790% | 5,405 |
| Pretax return on assets | 0.5712% | 5,126 |
| Return on Equity (ROE) | 2.7518% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.7518% | 4,636 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0735% | 1,746 |
| Assets per employee ($millions) | 3.7013% | 4,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 5,400 |
| Loan loss allowance to noncurrent loans | 329.8050% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1979% | 5,427 |
| Noncurrent loans to loans | 0.2898% | 5,043 |
| Net loans and leases to total assets | 67.6448% | 2,593 |
| Net loans and leases to deposits | 76.9352% | 3,077 |
| Net loans and leases to core deposits | 78.3768% | 3,500 |
| Total domestic deposits to total assets | 87.9244% | 1,802 |
| Equity capital to assets | 11.9235% | 2,127 |
| Core capital (leverage) ratio | 9.9169% | 3,790 |
| Tier 1 risk-based capital ratio | 13.8280% | 4,339 |
| Total risk-based capital ratio | 14.7624% | 4,471 |
| Memoranda: | ||
| Average total assets | $146,362,250 | 3,721 |
| Average earning assets | $126,808,500 | 3,858 |
| Average equity | $20,156,250 | 3,156 |
| Average total loans | $98,676,500 | 3,468 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 3,002 |
| Cost of funding earning assets | 0.4368% | 3,473 |
| Net interest margin | 3.7499% | 2,760 |
| Noninterest income to average assets | 0.1722% | 5,920 |
| Noninterest expense to average assets | 2.8925% | 3,191 |
| Loan and lease loss provision to assets | 0.0223% | 3,835 |
| Net operating income to assets | 0.3653% | 5,352 |
| Return on assets (ROA) | 0.3653% | 5,421 |
| Pretax return on assets | 0.5464% | 5,143 |
| Return on Equity (ROE) | 2.5017% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.5017% | 4,613 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4406% | 1,580 |
| Assets per employee ($millions) | 4.2087% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 5,347 |
| Loan loss allowance to noncurrent loans | 4,813.6364% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 6,213 |
| Noncurrent loans to loans | 0.0208% | 6,007 |
| Net loans and leases to total assets | 55.3056% | 4,373 |
| Net loans and leases to deposits | 62.4911% | 4,643 |
| Net loans and leases to core deposits | 63.8043% | 4,833 |
| Total domestic deposits to total assets | 88.5017% | 1,637 |
| Equity capital to assets | 11.3257% | 2,585 |
| Core capital (leverage) ratio | 16.3251% | 434 |
| Tier 1 risk-based capital ratio | 15.1798% | 3,534 |
| Total risk-based capital ratio | 16.1084% | 3,656 |
| Memoranda: | ||
| Average total assets | $134,694,670 | 3,949 |
| Average earning assets | $118,137,000 | 4,058 |
| Average equity | $19,666,670 | 3,209 |
| Average total loans | $90,279,330 | 3,673 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 476 |
| Cost of funding earning assets | 0.6029% | 1,946 |
| Net interest margin | 4.6062% | 548 |
| Noninterest income to average assets | 0.1826% | 5,868 |
| Noninterest expense to average assets | 3.1450% | 2,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6558% | 3,917 |
| Return on assets (ROA) | 0.6558% | 4,016 |
| Pretax return on assets | 0.9949% | 3,338 |
| Return on Equity (ROE) | 3.7497% | 5,154 |
| Retained earnings to average equity (ytd only) | 3.7497% | 3,879 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7876% | 2,838 |
| Assets per employee ($millions) | 4.0077% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 4,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 72.9856% | 1,428 |
| Net loans and leases to deposits | 88.5660% | 1,299 |
| Net loans and leases to core deposits | 91.8551% | 1,745 |
| Total domestic deposits to total assets | 82.4081% | 4,812 |
| Equity capital to assets | 17.4320% | 358 |
| Core capital (leverage) ratio | 15.5311% | 535 |
| Tier 1 risk-based capital ratio | 20.0400% | 1,709 |
| Total risk-based capital ratio | 21.2903% | 1,677 |
| Memoranda: | ||
| Average total assets | $107,345,500 | 4,548 |
| Average earning assets | $92,223,500 | 4,720 |
| Average equity | $18,775,000 | 3,315 |
| Average total loans | $82,517,000 | 3,872 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7897% | 233 |
| Cost of funding earning assets | 0.6261% | 2,425 |
| Net interest margin | 5.1636% | 228 |
| Noninterest income to average assets | 0.2746% | 5,389 |
| Noninterest expense to average assets | 3.3156% | 2,102 |
| Loan and lease loss provision to assets | 0.3045% | 1,102 |
| Net operating income to assets | 0.7019% | 3,786 |
| Return on assets (ROA) | 0.7019% | 3,870 |
| Pretax return on assets | 1.0642% | 3,091 |
| Return on Equity (ROE) | 3.8104% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.8104% | 3,494 |
| Net charge-offs to loans | 0.0306% | 4,822 |
| Credit loss provision to net charge-offs | 1,282.6087% | 196 |
| Earnings coverage of net charge-offs (x) | 57.6522% | 710 |
| Efficiency ratio | 70.6479% | 3,734 |
| Assets per employee ($millions) | 4.0955% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 4,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 78.8575% | 728 |
| Net loans and leases to deposits | 95.8868% | 743 |
| Net loans and leases to core deposits | 98.1944% | 1,291 |
| Total domestic deposits to total assets | 82.2402% | 4,793 |
| Equity capital to assets | 17.5494% | 353 |
| Core capital (leverage) ratio | 16.0404% | 465 |
| Tier 1 risk-based capital ratio | 18.5833% | 2,056 |
| Total risk-based capital ratio | 19.7830% | 2,033 |
| Memoranda: | ||
| Average total assets | $96,876,800 | 4,819 |
| Average earning assets | $82,732,600 | 4,958 |
| Average equity | $17,845,800 | 3,441 |
| Average total loans | $75,101,200 | 4,091 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7568% | 254 |
| Cost of funding earning assets | 0.6359% | 2,499 |
| Net interest margin | 5.1208% | 246 |
| Noninterest income to average assets | 0.2738% | 5,485 |
| Noninterest expense to average assets | 3.2713% | 2,142 |
| Loan and lease loss provision to assets | 0.3458% | 939 |
| Net operating income to assets | 0.6506% | 4,122 |
| Return on assets (ROA) | 0.6506% | 4,244 |
| Pretax return on assets | 0.9865% | 3,556 |
| Return on Equity (ROE) | 3.4853% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.4853% | 4,210 |
| Net charge-offs to loans | 0.0422% | 4,307 |
| Credit loss provision to net charge-offs | 1,065.2174% | 291 |
| Earnings coverage of net charge-offs (x) | 41.0381% | 986 |
| Efficiency ratio | 70.9074% | 3,619 |
| Assets per employee ($millions) | 3.6924% | 4,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1990% | 4,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 85.3159% | 177 |
| Net loans and leases to deposits | 105.5083% | 252 |
| Net loans and leases to core deposits | 109.2169% | 610 |
| Total domestic deposits to total assets | 80.8619% | 5,251 |
| Equity capital to assets | 18.9246% | 260 |
| Core capital (leverage) ratio | 16.6546% | 417 |
| Tier 1 risk-based capital ratio | 19.2056% | 1,926 |
| Total risk-based capital ratio | 20.4310% | 1,898 |
| Memoranda: | ||
| Average total assets | $94,475,500 | 4,923 |
| Average earning assets | $79,881,000 | 5,091 |
| Average equity | $17,635,500 | 3,515 |
| Average total loans | $72,623,250 | 4,203 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7392% | 259 |
| Cost of funding earning assets | 0.6391% | 2,598 |
| Net interest margin | 5.1001% | 256 |
| Noninterest income to average assets | 0.2746% | 5,485 |
| Noninterest expense to average assets | 3.3182% | 2,024 |
| Loan and lease loss provision to assets | 0.3299% | 1,046 |
| Net operating income to assets | 0.5874% | 4,361 |
| Return on assets (ROA) | 0.5874% | 4,540 |
| Pretax return on assets | 0.8897% | 3,949 |
| Return on Equity (ROE) | 3.1619% | 5,563 |
| Retained earnings to average equity (ytd only) | 3.1619% | 4,306 |
| Net charge-offs to loans | 0.0665% | 3,759 |
| Credit loss provision to net charge-offs | 673.9130% | 438 |
| Earnings coverage of net charge-offs (x) | 24.9130% | 1,282 |
| Efficiency ratio | 72.9831% | 3,312 |
| Assets per employee ($millions) | 4.1111% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 4,988 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 75.4041% | 1,053 |
| Net loans and leases to deposits | 92.3947% | 924 |
| Net loans and leases to core deposits | 97.6045% | 1,243 |
| Total domestic deposits to total assets | 81.6109% | 5,175 |
| Equity capital to assets | 18.2260% | 312 |
| Core capital (leverage) ratio | 16.5946% | 410 |
| Tier 1 risk-based capital ratio | 20.2699% | 1,660 |
| Total risk-based capital ratio | 21.4728% | 1,648 |
| Memoranda: | ||
| Average total assets | $93,966,670 | 4,962 |
| Average earning assets | $78,547,330 | 5,149 |
| Average equity | $17,458,000 | 3,554 |
| Average total loans | $69,198,000 | 4,339 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7673% | 247 |
| Cost of funding earning assets | 0.6561% | 2,603 |
| Net interest margin | 5.1112% | 231 |
| Noninterest income to average assets | 0.3624% | 4,763 |
| Noninterest expense to average assets | 3.3924% | 1,851 |
| Loan and lease loss provision to assets | 0.2838% | 1,241 |
| Net operating income to assets | 0.5981% | 4,223 |
| Return on assets (ROA) | 0.5981% | 4,369 |
| Pretax return on assets | 0.9038% | 3,748 |
| Return on Equity (ROE) | 3.1869% | 5,498 |
| Retained earnings to average equity (ytd only) | 3.1869% | 4,345 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8799% | 3,288 |
| Assets per employee ($millions) | 3.7587% | 4,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 5,128 |
| Loan loss allowance to noncurrent loans | 3,219.2308% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 6,527 |
| Noncurrent loans to loans | 0.0376% | 6,374 |
| Net loans and leases to total assets | 72.6500% | 1,258 |
| Net loans and leases to deposits | 89.8652% | 980 |
| Net loans and leases to core deposits | 94.9141% | 1,272 |
| Total domestic deposits to total assets | 80.8433% | 5,539 |
| Equity capital to assets | 18.9896% | 268 |
| Core capital (leverage) ratio | 16.8663% | 366 |
| Tier 1 risk-based capital ratio | 21.0409% | 1,526 |
| Total risk-based capital ratio | 22.2199% | 1,519 |
| Memoranda: | ||
| Average total assets | $91,616,500 | 5,063 |
| Average earning assets | $75,599,000 | 5,279 |
| Average equity | $17,195,500 | 3,632 |
| Average total loans | $66,145,500 | 4,490 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7615% | 390 |
| Cost of funding earning assets | 0.7179% | 3,345 |
| Net interest margin | 5.0436% | 360 |
| Noninterest income to average assets | 1.1285% | 1,226 |
| Noninterest expense to average assets | 4.0947% | 863 |
| Loan and lease loss provision to assets | 0.2604% | 2,563 |
| Net operating income to assets | 0.5582% | 4,440 |
| Return on assets (ROA) | 0.5582% | 4,696 |
| Pretax return on assets | 0.8454% | 4,128 |
| Return on Equity (ROE) | 3.3111% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.3111% | 3,897 |
| Net charge-offs to loans | -0.0018% | 6,324 |
| Credit loss provision to net charge-offs | -19,500.0000% | 6,717 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5824% | 2,349 |
| Assets per employee ($millions) | 3.7194% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 5,014 |
| Loan loss allowance to noncurrent loans | 2,757.1429% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0314% | 6,579 |
| Noncurrent loans to loans | 0.0443% | 6,396 |
| Net loans and leases to total assets | 69.9202% | 1,854 |
| Net loans and leases to deposits | 86.0303% | 1,510 |
| Net loans and leases to core deposits | 90.7630% | 1,744 |
| Total domestic deposits to total assets | 81.2739% | 5,319 |
| Equity capital to assets | 18.5367% | 289 |
| Core capital (leverage) ratio | 16.8381% | 368 |
| Tier 1 risk-based capital ratio | 20.5791% | 1,550 |
| Total risk-based capital ratio | 21.7581% | 1,533 |
| Memoranda: | ||
| Average total assets | $74,877,600 | 5,489 |
| Average earning assets | $60,452,600 | 5,729 |
| Average equity | $12,624,200 | 4,439 |
| Average total loans | $54,568,800 | 4,915 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9058% | 330 |
| Cost of funding earning assets | 0.7385% | 3,446 |
| Net interest margin | 5.1673% | 306 |
| Noninterest income to average assets | 1.0550% | 1,358 |
| Noninterest expense to average assets | 4.3208% | 649 |
| Loan and lease loss provision to assets | 0.2432% | 2,620 |
| Net operating income to assets | 0.4134% | 5,192 |
| Return on assets (ROA) | 0.4134% | 5,421 |
| Pretax return on assets | 0.6266% | 5,087 |
| Return on Equity (ROE) | 2.5307% | 5,867 |
| Retained earnings to average equity (ytd only) | 2.5307% | 5,050 |
| Net charge-offs to loans | -0.0025% | 6,216 |
| Credit loss provision to net charge-offs | -13,000.0000% | 6,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0991% | 1,691 |
| Assets per employee ($millions) | 3.0995% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 5,039 |
| Loan loss allowance to noncurrent loans | 2,079.4118% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 6,650 |
| Noncurrent loans to loans | 0.0602% | 6,466 |
| Net loans and leases to total assets | 71.9905% | 1,557 |
| Net loans and leases to deposits | 85.2067% | 1,699 |
| Net loans and leases to core deposits | 90.4322% | 1,931 |
| Total domestic deposits to total assets | 84.4892% | 3,984 |
| Equity capital to assets | 15.2927% | 754 |
| Core capital (leverage) ratio | 12.1069% | 1,591 |
| Tier 1 risk-based capital ratio | 14.8426% | 3,953 |
| Total risk-based capital ratio | 16.0583% | 3,932 |
| Memoranda: | ||
| Average total assets | $71,280,500 | 5,659 |
| Average earning assets | $57,050,000 | 5,903 |
| Average equity | $11,643,500 | 4,684 |
| Average total loans | $52,414,250 | 5,054 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0008% | 293 |
| Cost of funding earning assets | 0.7664% | 3,474 |
| Net interest margin | 5.2343% | 272 |
| Noninterest income to average assets | 0.7773% | 2,308 |
| Noninterest expense to average assets | 4.1669% | 766 |
| Loan and lease loss provision to assets | 0.2890% | 2,271 |
| Net operating income to assets | 0.3208% | 5,542 |
| Return on assets (ROA) | 0.3208% | 5,745 |
| Pretax return on assets | 0.4855% | 5,483 |
| Return on Equity (ROE) | 1.9180% | 6,067 |
| Retained earnings to average equity (ytd only) | 1.9180% | 5,242 |
| Net charge-offs to loans | -0.0039% | 6,135 |
| Credit loss provision to net charge-offs | -10,000.0000% | 6,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1520% | 1,612 |
| Assets per employee ($millions) | 3.0638% | 5,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 5,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 73.4874% | 1,333 |
| Net loans and leases to deposits | 87.7535% | 1,392 |
| Net loans and leases to core deposits | 92.2431% | 1,758 |
| Total domestic deposits to total assets | 83.7429% | 4,424 |
| Equity capital to assets | 15.9661% | 586 |
| Core capital (leverage) ratio | 12.4343% | 1,382 |
| Tier 1 risk-based capital ratio | 14.4218% | 4,156 |
| Total risk-based capital ratio | 15.5739% | 4,188 |
| Memoranda: | ||
| Average total assets | $69,211,330 | 5,752 |
| Average earning assets | $55,059,670 | 5,996 |
| Average equity | $11,574,670 | 4,696 |
| Average total loans | $51,055,330 | 5,148 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7663% | 455 |
| Cost of funding earning assets | 0.7450% | 3,905 |
| Net interest margin | 5.0213% | 385 |
| Noninterest income to average assets | 0.3699% | 4,909 |
| Noninterest expense to average assets | 4.0447% | 886 |
| Loan and lease loss provision to assets | 0.2386% | 2,563 |
| Net operating income to assets | 0.0716% | 6,295 |
| Return on assets (ROA) | 0.0716% | 6,413 |
| Pretax return on assets | 0.1074% | 6,370 |
| Return on Equity (ROE) | 0.4177% | 6,461 |
| Retained earnings to average equity (ytd only) | 0.4177% | 5,864 |
| Net charge-offs to loans | -0.0081% | 5,892 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8478% | 953 |
| Assets per employee ($millions) | 2.9922% | 6,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2106% | 5,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 73.1623% | 1,192 |
| Net loans and leases to deposits | 88.1989% | 1,142 |
| Net loans and leases to core deposits | 92.2703% | 1,627 |
| Total domestic deposits to total assets | 82.9514% | 4,950 |
| Equity capital to assets | 16.9149% | 437 |
| Core capital (leverage) ratio | 13.0407% | 1,115 |
| Tier 1 risk-based capital ratio | 15.6239% | 3,380 |
| Total risk-based capital ratio | 16.7923% | 3,400 |
| Memoranda: | ||
| Average total assets | $67,051,500 | 5,857 |
| Average earning assets | $53,691,500 | 6,075 |
| Average equity | $11,492,000 | 4,730 |
| Average total loans | $49,226,500 | 5,255 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8630% | 563 |
| Cost of funding earning assets | 0.8788% | 4,262 |
| Net interest margin | 4.9842% | 421 |
| Noninterest income to average assets | 0.3533% | 4,976 |
| Noninterest expense to average assets | 4.7552% | 474 |
| Loan and lease loss provision to assets | 0.3410% | 2,968 |
| Net operating income to assets | -0.5854% | 6,544 |
| Return on assets (ROA) | -0.5854% | 6,588 |
| Pretax return on assets | -0.8842% | 6,683 |
| Return on Equity (ROE) | -3.0765% | 6,416 |
| Retained earnings to average equity (ytd only) | -3.0765% | 6,282 |
| Net charge-offs to loans | 0.0330% | 5,986 |
| Credit loss provision to net charge-offs | 1,492.3077% | 149 |
| Earnings coverage of net charge-offs (x) | -23.7692% | 6,412 |
| Efficiency ratio | 112.6461% | 389 |
| Assets per employee ($millions) | 3.1087% | 5,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 5,330 |
| Loan loss allowance to noncurrent loans | 57,600.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 7,019 |
| Noncurrent loans to loans | 0.0021% | 6,870 |
| Net loans and leases to total assets | 71.8559% | 1,669 |
| Net loans and leases to deposits | 87.2044% | 1,488 |
| Net loans and leases to core deposits | 91.4816% | 1,943 |
| Total domestic deposits to total assets | 82.3994% | 5,000 |
| Equity capital to assets | 17.3754% | 403 |
| Core capital (leverage) ratio | 13.3142% | 1,037 |
| Tier 1 risk-based capital ratio | 15.3732% | 3,406 |
| Total risk-based capital ratio | 16.4941% | 3,445 |
| Memoranda: | ||
| Average total assets | $56,884,800 | 6,139 |
| Average earning assets | $44,038,800 | 6,387 |
| Average equity | $10,824,000 | 4,823 |
| Average total loans | $39,404,200 | 5,720 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 628 |
| Cost of funding earning assets | 0.9220% | 4,261 |
| Net interest margin | 4.9260% | 482 |
| Noninterest income to average assets | 0.3456% | 5,099 |
| Noninterest expense to average assets | 5.0620% | 354 |
| Loan and lease loss provision to assets | 0.3334% | 2,880 |
| Net operating income to assets | -0.8542% | 6,824 |
| Return on assets (ROA) | -0.8542% | 6,858 |
| Pretax return on assets | -1.2923% | 6,959 |
| Return on Equity (ROE) | -4.3761% | 6,647 |
| Retained earnings to average equity (ytd only) | -4.3761% | 6,545 |
| Net charge-offs to loans | 0.0428% | 5,557 |
| Credit loss provision to net charge-offs | 1,141.6667% | 234 |
| Earnings coverage of net charge-offs (x) | -32.8325% | 6,161 |
| Efficiency ratio | 123.3689% | 275 |
| Assets per employee ($millions) | 2.8823% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 5,586 |
| Loan loss allowance to noncurrent loans | 416.0000% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2065% | 6,545 |
| Noncurrent loans to loans | 0.2814% | 6,293 |
| Net loans and leases to total assets | 72.5173% | 1,608 |
| Net loans and leases to deposits | 89.0345% | 1,321 |
| Net loans and leases to core deposits | 92.3559% | 1,958 |
| Total domestic deposits to total assets | 81.4486% | 5,273 |
| Equity capital to assets | 18.2970% | 359 |
| Core capital (leverage) ratio | 15.1286% | 642 |
| Tier 1 risk-based capital ratio | 16.7350% | 2,746 |
| Total risk-based capital ratio | 17.7751% | 2,818 |
| Memoranda: | ||
| Average total assets | $54,785,500 | 6,251 |
| Average earning assets | $41,790,750 | 6,521 |
| Average equity | $10,694,250 | 4,869 |
| Average total loans | $37,384,000 | 5,867 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 1,441 |
| Cost of funding earning assets | 0.9734% | 4,139 |
| Net interest margin | 4.4684% | 1,209 |
| Noninterest income to average assets | 0.2610% | 5,778 |
| Noninterest expense to average assets | 5.3753% | 285 |
| Loan and lease loss provision to assets | 0.3026% | 2,989 |
| Net operating income to assets | -1.3656% | 7,056 |
| Return on assets (ROA) | -1.3656% | 7,064 |
| Pretax return on assets | -2.0654% | 7,175 |
| Return on Equity (ROE) | -6.8324% | 6,821 |
| Retained earnings to average equity (ytd only) | -6.8324% | 6,713 |
| Net charge-offs to loans | 0.0571% | 5,079 |
| Credit loss provision to net charge-offs | 800.0000% | 414 |
| Earnings coverage of net charge-offs (x) | -46.6000% | 5,857 |
| Efficiency ratio | 148.7958% | 162 |
| Assets per employee ($millions) | 2.5486% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1427% | 5,785 |
| Loan loss allowance to noncurrent loans | 363.2813% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 6,553 |
| Noncurrent loans to loans | 0.3146% | 6,287 |
| Net loans and leases to total assets | 71.7473% | 1,832 |
| Net loans and leases to deposits | 89.7346% | 1,305 |
| Net loans and leases to core deposits | 93.9907% | 1,896 |
| Total domestic deposits to total assets | 79.9551% | 5,837 |
| Equity capital to assets | 19.7346% | 275 |
| Core capital (leverage) ratio | 15.4582% | 591 |
| Tier 1 risk-based capital ratio | 18.3076% | 2,072 |
| Total risk-based capital ratio | 19.3273% | 2,104 |
| Memoranda: | ||
| Average total assets | $52,871,000 | 6,375 |
| Average earning assets | $39,656,670 | 6,653 |
| Average equity | $10,567,330 | 4,907 |
| Average total loans | $35,040,670 | 6,023 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3467% | 1,729 |
| Cost of funding earning assets | 0.9909% | 4,263 |
| Net interest margin | 4.3558% | 1,409 |
| Noninterest income to average assets | 0.2496% | 5,904 |
| Noninterest expense to average assets | 5.6405% | 237 |
| Loan and lease loss provision to assets | 0.1950% | 3,675 |
| Net operating income to assets | -1.6305% | 7,228 |
| Return on assets (ROA) | -1.6305% | 7,229 |
| Pretax return on assets | -2.4653% | 7,319 |
| Return on Equity (ROE) | -8.1020% | 6,963 |
| Retained earnings to average equity (ytd only) | -8.1020% | 6,760 |
| Net charge-offs to loans | 0.0124% | 4,908 |
| Credit loss provision to net charge-offs | 2,500.0000% | 156 |
| Earnings coverage of net charge-offs (x) | -291.0000% | 5,104 |
| Efficiency ratio | 167.3611% | 100 |
| Assets per employee ($millions) | 3.6024% | 4,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 5,579 |
| Loan loss allowance to noncurrent loans | 327.3438% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 6,582 |
| Noncurrent loans to loans | 0.3698% | 6,259 |
| Net loans and leases to total assets | 63.2800% | 3,591 |
| Net loans and leases to deposits | 79.7119% | 2,762 |
| Net loans and leases to core deposits | 84.1844% | 3,142 |
| Total domestic deposits to total assets | 79.3860% | 6,093 |
| Equity capital to assets | 20.4993% | 231 |
| Core capital (leverage) ratio | 16.7637% | 414 |
| Tier 1 risk-based capital ratio | 22.1293% | 1,207 |
| Total risk-based capital ratio | 23.2280% | 1,205 |
| Memoranda: | ||
| Average total assets | $51,272,000 | 6,486 |
| Average earning assets | $36,733,000 | 6,817 |
| Average equity | $10,318,500 | 4,959 |
| Average total loans | $32,214,500 | 6,233 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8372% | 5,288 |
| Cost of funding earning assets | 0.9266% | 6,045 |
| Net interest margin | 3.9106% | 3,433 |
| Noninterest income to average assets | 0.3199% | 5,502 |
| Noninterest expense to average assets | 6.1483% | 215 |
| Loan and lease loss provision to assets | 0.6126% | 2,685 |
| Net operating income to assets | -2.3784% | 7,158 |
| Return on assets (ROA) | -2.3784% | 7,166 |
| Pretax return on assets | -3.5937% | 7,386 |
| Return on Equity (ROE) | -10.6395% | 6,753 |
| Retained earnings to average equity (ytd only) | -10.6395% | 6,694 |
| Net charge-offs to loans | 0.2728% | 4,660 |
| Credit loss provision to net charge-offs | 441.0714% | 526 |
| Earnings coverage of net charge-offs (x) | -21.4643% | 6,823 |
| Efficiency ratio | 194.1269% | 97 |
| Assets per employee ($millions) | 2.2049% | 7,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3248% | 4,875 |
| Loan loss allowance to noncurrent loans | 308.5938% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2639% | 6,587 |
| Noncurrent loans to loans | 0.4293% | 6,187 |
| Net loans and leases to total assets | 60.6519% | 4,556 |
| Net loans and leases to deposits | 75.9330% | 3,850 |
| Net loans and leases to core deposits | 80.1095% | 4,195 |
| Total domestic deposits to total assets | 79.8755% | 5,870 |
| Equity capital to assets | 19.7081% | 273 |
| Core capital (leverage) ratio | 15.9052% | 523 |
| Tier 1 risk-based capital ratio | 20.5740% | 1,389 |
| Total risk-based capital ratio | 21.7309% | 1,383 |
| Memoranda: | ||
| Average total assets | $40,320,400 | 6,855 |
| Average earning assets | $29,356,000 | 7,118 |
| Average equity | $9,013,600 | 5,422 |
| Average total loans | $20,526,400 | 6,899 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6652% | 6,139 |
| Cost of funding earning assets | 0.8595% | 6,547 |
| Net interest margin | 3.8057% | 3,949 |
| Noninterest income to average assets | 0.3309% | 5,514 |
| Noninterest expense to average assets | 5.9674% | 225 |
| Loan and lease loss provision to assets | 0.6514% | 2,342 |
| Net operating income to assets | -2.3270% | 7,306 |
| Return on assets (ROA) | -2.3270% | 7,324 |
| Pretax return on assets | -3.5115% | 7,496 |
| Return on Equity (ROE) | -10.0331% | 6,933 |
| Retained earnings to average equity (ytd only) | -10.0331% | 6,884 |
| Net charge-offs to loans | 0.4101% | 3,652 |
| Credit loss provision to net charge-offs | 333.9286% | 949 |
| Earnings coverage of net charge-offs (x) | -14.6617% | 6,638 |
| Efficiency ratio | 192.0404% | 96 |
| Assets per employee ($millions) | 2.4469% | 7,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 5,303 |
| Loan loss allowance to noncurrent loans | 261.7188% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 6,639 |
| Noncurrent loans to loans | 0.4727% | 6,246 |
| Net loans and leases to total assets | 60.7166% | 4,776 |
| Net loans and leases to deposits | 76.3970% | 4,106 |
| Net loans and leases to core deposits | 80.4440% | 4,460 |
| Total domestic deposits to total assets | 79.4751% | 5,874 |
| Equity capital to assets | 20.2048% | 274 |
| Core capital (leverage) ratio | 16.3367% | 513 |
| Tier 1 risk-based capital ratio | 21.9603% | 1,211 |
| Total risk-based capital ratio | 23.1165% | 1,199 |
| Memoranda: | ||
| Average total assets | $38,273,500 | 7,009 |
| Average earning assets | $27,922,250 | 7,251 |
| Average equity | $8,877,000 | 5,530 |
| Average total loans | $18,204,000 | 7,109 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3979% | 6,900 |
| Cost of funding earning assets | 0.9347% | 6,444 |
| Net interest margin | 3.4632% | 5,392 |
| Noninterest income to average assets | 0.3851% | 5,037 |
| Noninterest expense to average assets | 5.7056% | 245 |
| Loan and lease loss provision to assets | 0.2751% | 4,190 |
| Net operating income to assets | -2.0578% | 7,320 |
| Return on assets (ROA) | -2.0578% | 7,330 |
| Pretax return on assets | -3.1087% | 7,483 |
| Return on Equity (ROE) | -8.4332% | 6,913 |
| Retained earnings to average equity (ytd only) | -8.4332% | 6,841 |
| Net charge-offs to loans | -0.0525% | 7,454 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 198.6590% | 100 |
| Assets per employee ($millions) | 2.3630% | 7,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1959% | 5,477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 7,269 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 56.3796% | 5,641 |
| Net loans and leases to deposits | 74.4534% | 4,604 |
| Net loans and leases to core deposits | 77.6794% | 5,003 |
| Total domestic deposits to total assets | 75.7247% | 6,747 |
| Equity capital to assets | 24.0478% | 150 |
| Core capital (leverage) ratio | 18.8800% | 298 |
| Tier 1 risk-based capital ratio | 27.0279% | 693 |
| Total risk-based capital ratio | 28.0919% | 698 |
| Memoranda: | ||
| Average total assets | $36,350,000 | 7,132 |
| Average earning assets | $26,103,330 | 7,370 |
| Average equity | $8,869,670 | 5,542 |
| Average total loans | $15,246,330 | 7,303 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 7,195 |
| Cost of funding earning assets | 0.9985% | 6,386 |
| Net interest margin | 3.2607% | 6,094 |
| Noninterest income to average assets | 0.4716% | 4,281 |
| Noninterest expense to average assets | 5.6596% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.8865% | 7,434 |
| Return on assets (ROA) | -1.8865% | 7,436 |
| Pretax return on assets | -2.8410% | 7,578 |
| Return on Equity (ROE) | -7.6725% | 7,036 |
| Retained earnings to average equity (ytd only) | -7.6725% | 6,802 |
| Net charge-offs to loans | -0.0662% | 7,429 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 200.7968% | 96 |
| Assets per employee ($millions) | 2.3014% | 7,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 4,035 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 7,366 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 37.3299% | 7,374 |
| Net loans and leases to deposits | 49.4514% | 7,154 |
| Net loans and leases to core deposits | 51.6514% | 7,221 |
| Total domestic deposits to total assets | 75.4881% | 6,835 |
| Equity capital to assets | 24.2077% | 160 |
| Core capital (leverage) ratio | 19.2099% | 300 |
| Tier 1 risk-based capital ratio | 35.4482% | 348 |
| Total risk-based capital ratio | 36.5936% | 340 |
| Memoranda: | ||
| Average total assets | $35,621,000 | 7,248 |
| Average earning assets | $25,639,000 | 7,471 |
| Average equity | $8,758,500 | 5,606 |
| Average total loans | $12,082,500 | 7,542 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 7,633 |
| Cost of funding earning assets | 1.1369% | 6,859 |
| Net interest margin | 3.0075% | 6,625 |
| Noninterest income to average assets | 0.4172% | 5,069 |
| Noninterest expense to average assets | 6.7603% | 224 |
| Loan and lease loss provision to assets | 0.3867% | 4,472 |
| Net operating income to assets | -3.0834% | 7,416 |
| Return on assets (ROA) | -3.0834% | 7,424 |
| Pretax return on assets | -4.4775% | 7,639 |
| Return on Equity (ROE) | -10.7454% | 6,673 |
| Retained earnings to average equity (ytd only) | -10.7454% | 6,570 |
| Net charge-offs to loans | 0.0352% | 6,774 |
| Credit loss provision to net charge-offs | 3,800.0000% | 90 |
| Earnings coverage of net charge-offs (x) | -402.0000% | 7,238 |
| Efficiency ratio | 253.2402% | 84 |
| Assets per employee ($millions) | 2.2946% | 7,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9975% | 2,034 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1482% | 7,108 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 29.0799% | 7,731 |
| Net loans and leases to deposits | 38.9001% | 7,649 |
| Net loans and leases to core deposits | 53.7281% | 7,479 |
| Total domestic deposits to total assets | 74.7552% | 6,906 |
| Equity capital to assets | 24.9949% | 165 |
| Core capital (leverage) ratio | 19.3427% | 319 |
| Tier 1 risk-based capital ratio | 41.6890% | 223 |
| Total risk-based capital ratio | 42.9407% | 220 |
| Memoranda: | ||
| Average total assets | $29,480,800 | 7,491 |
| Average earning assets | $22,077,800 | 7,649 |
| Average equity | $8,459,400 | 5,777 |
| Average total loans | $8,528,000 | 7,763 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 7,646 |
| Cost of funding earning assets | 1.1327% | 7,090 |
| Net interest margin | 3.2092% | 5,986 |
| Noninterest income to average assets | 0.4295% | 5,054 |
| Noninterest expense to average assets | 6.7830% | 212 |
| Loan and lease loss provision to assets | 0.5381% | 3,235 |
| Net operating income to assets | -3.0682% | 7,603 |
| Return on assets (ROA) | -3.0682% | 7,614 |
| Pretax return on assets | -4.4843% | 7,752 |
| Return on Equity (ROE) | -10.2885% | 6,916 |
| Retained earnings to average equity (ytd only) | -10.2885% | 6,833 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 239.1015% | 96 |
| Assets per employee ($millions) | 2.1829% | 7,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2056% | 1,408 |
| Loan loss allowance to noncurrent loans | 369.6429% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 7,107 |
| Noncurrent loans to loans | 0.5967% | 6,115 |
| Net loans and leases to total assets | 28.0304% | 7,844 |
| Net loans and leases to deposits | 37.7369% | 7,786 |
| Net loans and leases to core deposits | 52.4427% | 7,635 |
| Total domestic deposits to total assets | 74.2785% | 6,901 |
| Equity capital to assets | 25.3611% | 166 |
| Core capital (leverage) ratio | 20.3295% | 295 |
| Tier 1 risk-based capital ratio | 42.6341% | 236 |
| Total risk-based capital ratio | 43.8846% | 234 |
| Memoranda: | ||
| Average total assets | $28,246,250 | 7,602 |
| Average earning assets | $21,188,250 | 7,749 |
| Average equity | $8,423,500 | 5,846 |
| Average total loans | $8,106,750 | 7,856 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 7,640 |
| Cost of funding earning assets | 1.0802% | 7,414 |
| Net interest margin | 3.3949% | 5,190 |
| Noninterest income to average assets | 0.4113% | 5,191 |
| Noninterest expense to average assets | 6.6997% | 249 |
| Loan and lease loss provision to assets | 0.2916% | 4,237 |
| Net operating income to assets | -2.6171% | 7,595 |
| Return on assets (ROA) | -2.6171% | 7,585 |
| Pretax return on assets | -3.9481% | 7,739 |
| Return on Equity (ROE) | -8.2710% | 6,914 |
| Retained earnings to average equity (ytd only) | -8.2710% | 6,700 |
| Net charge-offs to loans | -0.0260% | 7,750 |
| Credit loss provision to net charge-offs | -3,900.0000% | 7,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.1474% | 157 |
| Assets per employee ($millions) | 1.9143% | 7,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5133% | 3,116 |
| Loan loss allowance to noncurrent loans | 154.6512% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.6060% | 5,908 |
| Noncurrent loans to loans | 0.9785% | 5,255 |
| Net loans and leases to total assets | 30.1456% | 7,882 |
| Net loans and leases to deposits | 42.7943% | 7,734 |
| Net loans and leases to core deposits | 53.4618% | 7,672 |
| Total domestic deposits to total assets | 70.4430% | 7,424 |
| Equity capital to assets | 29.2714% | 144 |
| Core capital (leverage) ratio | 24.3976% | 221 |
| Tier 1 risk-based capital ratio | 47.6237% | 204 |
| Total risk-based capital ratio | 48.7042% | 202 |
| Memoranda: | ||
| Average total assets | $26,747,330 | 7,732 |
| Average earning assets | $20,737,000 | 7,836 |
| Average equity | $8,463,330 | 5,861 |
| Average total loans | $7,680,670 | 7,960 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0515% | 6,789 |
| Cost of funding earning assets | 1.1381% | 7,448 |
| Net interest margin | 3.9134% | 2,997 |
| Noninterest income to average assets | 0.4502% | 4,765 |
| Noninterest expense to average assets | 6.3810% | 254 |
| Loan and lease loss provision to assets | 0.2484% | 3,984 |
| Net operating income to assets | -2.0959% | 7,686 |
| Return on assets (ROA) | -2.0959% | 7,684 |
| Pretax return on assets | -3.1362% | 7,784 |
| Return on Equity (ROE) | -6.3586% | 7,095 |
| Retained earnings to average equity (ytd only) | -6.3586% | 6,730 |
| Net charge-offs to loans | -0.0561% | 7,730 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,599 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.6667% | 231 |
| Assets per employee ($millions) | 2.6487% | 6,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 4,355 |
| Loan loss allowance to noncurrent loans | 63.2184% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 0.6569% | 5,523 |
| Noncurrent loans to loans | 1.9902% | 3,270 |
| Net loans and leases to total assets | 32.5933% | 7,849 |
| Net loans and leases to deposits | 48.4510% | 7,558 |
| Net loans and leases to core deposits | 59.1788% | 7,486 |
| Total domestic deposits to total assets | 67.2707% | 7,654 |
| Equity capital to assets | 32.4952% | 123 |
| Core capital (leverage) ratio | 25.6552% | 217 |
| Tier 1 risk-based capital ratio | 52.3456% | 182 |
| Total risk-based capital ratio | 53.2959% | 184 |
| Memoranda: | ||
| Average total assets | $25,764,000 | 7,808 |
| Average earning assets | $20,033,500 | 7,903 |
| Average equity | $8,492,500 | 5,883 |
| Average total loans | $7,126,500 | 8,028 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6186% | 8,244 |
| Cost of funding earning assets | 0.4883% | 8,192 |
| Net interest margin | 1.1303% | 8,220 |
| Noninterest income to average assets | 0.1963% | 7,047 |
| Noninterest expense to average assets | 2.0926% | 7,254 |
| Loan and lease loss provision to assets | 0.3160% | 3,854 |
| Net operating income to assets | -0.9098% | 7,192 |
| Return on assets (ROA) | -0.9098% | 7,115 |
| Pretax return on assets | -1.2259% | 7,129 |
| Return on Equity (ROE) | -3.9963% | 6,745 |
| Retained earnings to average equity (ytd only) | -3.9963% | 6,325 |
| Net charge-offs to loans | 1.9354% | 567 |
| Credit loss provision to net charge-offs | 55.0000% | 6,291 |
| Earnings coverage of net charge-offs (x) | -1.5833% | 6,674 |
| Efficiency ratio | 176.1134% | 261 |
| Assets per employee ($millions) | 2.5041% | 7,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6878% | 1,946 |
| Loan loss allowance to noncurrent loans | 98.9362% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.3754% | 6,115 |
| Noncurrent loans to loans | 1.7060% | 3,214 |
| Net loans and leases to total assets | 21.6325% | 8,131 |
| Net loans and leases to deposits | 32.7767% | 8,086 |
| Net loans and leases to core deposits | 40.2631% | 8,047 |
| Total domestic deposits to total assets | 65.9998% | 7,658 |
| Equity capital to assets | 33.4571% | 138 |
| Core capital (leverage) ratio | 26.0321% | 244 |
| Tier 1 risk-based capital ratio | 69.8111% | 120 |
| Total risk-based capital ratio | 70.9230% | 120 |
| Memoranda: | ||
| Average total assets | $20,882,800 | 7,990 |
| Average earning assets | $18,225,600 | 7,999 |
| Average equity | $4,754,400 | 7,226 |
| Average total loans | $6,200,200 | 8,117 |