Home > Persons Banking Company > Performance and Condition Ratios
Persons Banking Company, Performance and Condition Ratios
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8230% | 4,162 |
| Cost of funding earning assets | 0.1231% | 4,099 |
| Net interest margin | 2.6999% | 3,926 |
| Noninterest income to average assets | 0.4800% | 2,264 |
| Noninterest expense to average assets | 2.7289% | 1,405 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.3803% | 4,268 |
| Return on assets (ROA) | 0.3803% | 4,216 |
| Pretax return on assets | 0.3803% | 4,289 |
| Return on Equity (ROE) | 13.6700% | 1,518 |
| Retained earnings to average equity (ytd only) | 13.6720% | 514 |
| Net charge-offs to loans | 0.0798% | 741 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 10.9909% | 1,966 |
| Efficiency ratio | 87.7693% | 392 |
| Assets per employee ($millions) | 5.8246% | 2,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 2,248 |
| Loan loss allowance to noncurrent loans | 9,587.5000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,951 |
| Noncurrent loans to loans | 0.0131% | 3,843 |
| Net loans and leases to total assets | 44.4900% | 3,849 |
| Net loans and leases to deposits | 44.8295% | 4,075 |
| Net loans and leases to core deposits | 45.7227% | 4,126 |
| Total domestic deposits to total assets | 99.2400% | 26 |
| Equity capital to assets | 0.6382% | 4,704 |
| Core capital (leverage) ratio | 6.2530% | 4,728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8834% | 2,095 |
| Memoranda: | ||
| Average total assets | $423,896,750 | 1,950 |
| Average earning assets | $412,699,250 | 1,884 |
| Average equity | $11,790,250 | 3,736 |
| Average total loans | $183,711,000 | 2,351 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6802% | 4,170 |
| Cost of funding earning assets | 0.1216% | 3,942 |
| Net interest margin | 2.5587% | 3,982 |
| Noninterest income to average assets | 0.4691% | 2,355 |
| Noninterest expense to average assets | 2.6858% | 1,424 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.2735% | 4,332 |
| Return on assets (ROA) | 0.2735% | 4,283 |
| Pretax return on assets | 0.2735% | 4,331 |
| Return on Equity (ROE) | 7.9041% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.9041% | 1,655 |
| Net charge-offs to loans | 0.1045% | 572 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 6.1146% | 1,912 |
| Efficiency ratio | 90.7588% | 377 |
| Assets per employee ($millions) | 6.0379% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2282% | 2,547 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 1,751 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 43.4279% | 3,874 |
| Net loans and leases to deposits | 44.3619% | 4,098 |
| Net loans and leases to core deposits | 45.2677% | 4,146 |
| Total domestic deposits to total assets | 97.8948% | 29 |
| Equity capital to assets | 2.0080% | 4,723 |
| Core capital (leverage) ratio | 6.0162% | 4,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0637% | 2,468 |
| Memoranda: | ||
| Average total assets | $429,289,333 | 1,942 |
| Average earning assets | $417,798,000 | 1,889 |
| Average equity | $14,853,000 | 3,511 |
| Average total loans | $183,719,000 | 2,360 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5723% | 4,171 |
| Cost of funding earning assets | 0.1215% | 3,883 |
| Net interest margin | 2.4508% | 3,990 |
| Noninterest income to average assets | 0.4656% | 2,325 |
| Noninterest expense to average assets | 2.6826% | 1,402 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1685% | 4,378 |
| Return on assets (ROA) | 0.1685% | 4,347 |
| Pretax return on assets | 0.1685% | 4,364 |
| Return on Equity (ROE) | 4.0277% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.0277% | 2,926 |
| Net charge-offs to loans | -0.0463% | 4,234 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0888% | 381 |
| Assets per employee ($millions) | 5.6542% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 2,128 |
| Loan loss allowance to noncurrent loans | 1,930.1587% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 1,735 |
| Noncurrent loans to loans | 0.0698% | 3,504 |
| Net loans and leases to total assets | 41.4581% | 3,918 |
| Net loans and leases to deposits | 42.8245% | 4,123 |
| Net loans and leases to core deposits | 43.7077% | 4,174 |
| Total domestic deposits to total assets | 96.8093% | 5 |
| Equity capital to assets | 3.1041% | 4,790 |
| Core capital (leverage) ratio | 5.8995% | 4,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1272% | 2,564 |
| Memoranda: | ||
| Average total assets | $429,587,000 | 1,950 |
| Average earning assets | $418,148,000 | 1,892 |
| Average equity | $17,975,500 | 3,331 |
| Average total loans | $181,334,500 | 2,370 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9605% | 3,938 |
| Cost of funding earning assets | 0.1404% | 4,063 |
| Net interest margin | 2.8201% | 3,618 |
| Noninterest income to average assets | 0.5104% | 2,516 |
| Noninterest expense to average assets | 2.8057% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4404% | 4,203 |
| Return on assets (ROA) | 0.4558% | 4,217 |
| Pretax return on assets | 0.4558% | 4,316 |
| Return on Equity (ROE) | 7.8151% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.8151% | 1,611 |
| Net charge-offs to loans | -0.0731% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4333% | 448 |
| Assets per employee ($millions) | 5.8830% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 2,251 |
| Loan loss allowance to noncurrent loans | 2,537.8947% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 1,886 |
| Noncurrent loans to loans | 0.0522% | 3,705 |
| Net loans and leases to total assets | 41.8373% | 3,986 |
| Net loans and leases to deposits | 44.2168% | 4,166 |
| Net loans and leases to core deposits | 45.2086% | 4,223 |
| Total domestic deposits to total assets | 94.6188% | 7 |
| Equity capital to assets | 5.2653% | 4,830 |
| Core capital (leverage) ratio | 5.9922% | 4,823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2221% | 2,555 |
| Memoranda: | ||
| Average total assets | $408,276,400 | 1,960 |
| Average earning assets | $396,043,200 | 1,921 |
| Average equity | $23,813,000 | 2,927 |
| Average total loans | $192,992,200 | 2,283 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9866% | 4,027 |
| Cost of funding earning assets | 0.1451% | 4,154 |
| Net interest margin | 2.8415% | 3,684 |
| Noninterest income to average assets | 0.5079% | 2,588 |
| Noninterest expense to average assets | 2.8265% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4344% | 4,321 |
| Return on assets (ROA) | 0.4344% | 4,353 |
| Pretax return on assets | 0.4344% | 4,448 |
| Return on Equity (ROE) | 7.2600% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.2600% | 2,328 |
| Net charge-offs to loans | 0.0232% | 1,577 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 38.6176% | 1,392 |
| Efficiency ratio | 86.6782% | 414 |
| Assets per employee ($millions) | 5.3440% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 3,002 |
| Loan loss allowance to noncurrent loans | 163.5699% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 1,133 |
| Noncurrent loans to loans | 0.7320% | 1,530 |
| Net loans and leases to total assets | 44.2677% | 3,931 |
| Net loans and leases to deposits | 47.0036% | 4,180 |
| Net loans and leases to core deposits | 48.0635% | 4,234 |
| Total domestic deposits to total assets | 94.1795% | 7 |
| Equity capital to assets | 5.7116% | 4,899 |
| Core capital (leverage) ratio | 5.9845% | 4,898 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1239% | 2,668 |
| Memoranda: | ||
| Average total assets | $402,981,500 | 1,995 |
| Average earning assets | $390,443,250 | 1,954 |
| Average equity | $24,113,250 | 2,932 |
| Average total loans | $195,719,250 | 2,296 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9578% | 4,119 |
| Cost of funding earning assets | 0.1503% | 4,202 |
| Net interest margin | 2.8075% | 3,774 |
| Noninterest income to average assets | 0.5352% | 2,465 |
| Noninterest expense to average assets | 2.8421% | 1,267 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.4127% | 4,364 |
| Return on assets (ROA) | 0.4127% | 4,402 |
| Pretax return on assets | 0.4127% | 4,492 |
| Return on Equity (ROE) | 6.7892% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.7892% | 2,505 |
| Net charge-offs to loans | 0.0272% | 1,405 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 30.4444% | 1,300 |
| Efficiency ratio | 87.3207% | 424 |
| Assets per employee ($millions) | 5.6302% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1833% | 3,033 |
| Loan loss allowance to noncurrent loans | 161.3669% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 1,119 |
| Noncurrent loans to loans | 0.7333% | 1,621 |
| Net loans and leases to total assets | 46.2067% | 3,889 |
| Net loans and leases to deposits | 49.2187% | 4,154 |
| Net loans and leases to core deposits | 50.4252% | 4,220 |
| Total domestic deposits to total assets | 93.8805% | 11 |
| Equity capital to assets | 6.0139% | 4,918 |
| Core capital (leverage) ratio | 5.9168% | 4,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5175% | 2,541 |
| Memoranda: | ||
| Average total assets | $398,364,000 | 2,008 |
| Average earning assets | $385,897,333 | 1,961 |
| Average equity | $24,215,000 | 2,922 |
| Average total loans | $198,706,000 | 2,285 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9062% | 4,245 |
| Cost of funding earning assets | 0.1559% | 4,266 |
| Net interest margin | 2.7504% | 3,867 |
| Noninterest income to average assets | 0.5035% | 2,595 |
| Noninterest expense to average assets | 2.9135% | 1,125 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2533% | 4,587 |
| Return on assets (ROA) | 0.2533% | 4,610 |
| Pretax return on assets | 0.2533% | 4,639 |
| Return on Equity (ROE) | 4.1437% | 4,257 |
| Retained earnings to average equity (ytd only) | 4.1437% | 3,464 |
| Net charge-offs to loans | 0.0354% | 1,121 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.8889% | 1,383 |
| Efficiency ratio | 92.0026% | 330 |
| Assets per employee ($millions) | 5.3782% | 3,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 3,211 |
| Loan loss allowance to noncurrent loans | 160.2847% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.7499% | 1,219 |
| Noncurrent loans to loans | 0.7150% | 1,811 |
| Net loans and leases to total assets | 48.1575% | 3,802 |
| Net loans and leases to deposits | 51.1653% | 4,093 |
| Net loans and leases to core deposits | 52.4272% | 4,177 |
| Total domestic deposits to total assets | 94.1214% | 10 |
| Equity capital to assets | 5.7851% | 4,950 |
| Core capital (leverage) ratio | 5.9711% | 4,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5247% | 2,480 |
| Memoranda: | ||
| Average total assets | $394,858,000 | 2,011 |
| Average earning assets | $382,348,500 | 1,964 |
| Average equity | $24,133,000 | 2,919 |
| Average total loans | $203,282,000 | 2,258 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 3,044 |
| Cost of funding earning assets | 0.2738% | 4,282 |
| Net interest margin | 3.6194% | 2,078 |
| Noninterest income to average assets | 0.4704% | 2,771 |
| Noninterest expense to average assets | 3.4543% | 739 |
| Loan and lease loss provision to assets | 0.2961% | 1,272 |
| Net operating income to assets | 0.2050% | 4,568 |
| Return on assets (ROA) | 0.4718% | 4,175 |
| Pretax return on assets | 0.4718% | 4,319 |
| Return on Equity (ROE) | 6.9846% | 3,218 |
| Retained earnings to average equity (ytd only) | 6.9846% | 1,403 |
| Net charge-offs to loans | 0.0453% | 2,161 |
| Credit loss provision to net charge-offs | 1,082.4742% | 738 |
| Earnings coverage of net charge-offs (x) | 18.3196% | 2,029 |
| Efficiency ratio | 87.3307% | 476 |
| Assets per employee ($millions) | 4.9533% | 3,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 3,553 |
| Loan loss allowance to noncurrent loans | 147.8827% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7954% | 1,285 |
| Noncurrent loans to loans | 0.7307% | 1,877 |
| Net loans and leases to total assets | 53.7831% | 3,509 |
| Net loans and leases to deposits | 57.5738% | 3,911 |
| Net loans and leases to core deposits | 59.1704% | 3,992 |
| Total domestic deposits to total assets | 93.4159% | 11 |
| Equity capital to assets | 6.4529% | 4,962 |
| Core capital (leverage) ratio | 6.1147% | 4,984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4514% | 2,471 |
| Memoranda: | ||
| Average total assets | $354,598,600 | 2,028 |
| Average earning assets | $341,442,400 | 1,974 |
| Average equity | $23,952,800 | 2,879 |
| Average total loans | $214,325,000 | 2,140 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0571% | 2,798 |
| Cost of funding earning assets | 0.3048% | 4,290 |
| Net interest margin | 3.7523% | 1,756 |
| Noninterest income to average assets | 0.4535% | 2,835 |
| Noninterest expense to average assets | 3.5711% | 642 |
| Loan and lease loss provision to assets | 0.3462% | 1,105 |
| Net operating income to assets | 0.1442% | 4,657 |
| Return on assets (ROA) | 0.5081% | 4,102 |
| Pretax return on assets | 0.5081% | 4,262 |
| Return on Equity (ROE) | 7.4290% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.4290% | 1,519 |
| Net charge-offs to loans | 0.0508% | 1,885 |
| Credit loss provision to net charge-offs | 1,097.5610% | 784 |
| Earnings coverage of net charge-offs (x) | 15.5488% | 2,096 |
| Efficiency ratio | 87.9261% | 420 |
| Assets per employee ($millions) | 4.7287% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 3,973 |
| Loan loss allowance to noncurrent loans | 140.0000% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8097% | 1,425 |
| Noncurrent loans to loans | 0.6655% | 2,121 |
| Net loans and leases to total assets | 60.0133% | 3,227 |
| Net loans and leases to deposits | 64.3125% | 3,770 |
| Net loans and leases to core deposits | 66.0929% | 3,885 |
| Total domestic deposits to total assets | 93.3151% | 11 |
| Equity capital to assets | 6.5522% | 4,986 |
| Core capital (leverage) ratio | 6.1735% | 5,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3942% | 2,821 |
| Memoranda: | ||
| Average total assets | $346,659,750 | 2,042 |
| Average earning assets | $333,333,500 | 1,988 |
| Average equity | $23,708,250 | 2,891 |
| Average total loans | $215,390,500 | 2,136 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 2,445 |
| Cost of funding earning assets | 0.3392% | 4,317 |
| Net interest margin | 3.9728% | 1,395 |
| Noninterest income to average assets | 0.4296% | 2,913 |
| Noninterest expense to average assets | 3.7535% | 533 |
| Loan and lease loss provision to assets | 0.4463% | 861 |
| Net operating income to assets | 0.0422% | 4,735 |
| Return on assets (ROA) | 0.6057% | 3,797 |
| Pretax return on assets | 0.6057% | 4,051 |
| Return on Equity (ROE) | 8.7200% | 2,485 |
| Retained earnings to average equity (ytd only) | 8.7200% | 1,097 |
| Net charge-offs to loans | 0.0266% | 2,190 |
| Credit loss provision to net charge-offs | 2,678.5714% | 389 |
| Earnings coverage of net charge-offs (x) | 29.3214% | 1,454 |
| Efficiency ratio | 88.4837% | 432 |
| Assets per employee ($millions) | 4.4198% | 3,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8926% | 4,026 |
| Loan loss allowance to noncurrent loans | 125.7866% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.9658% | 1,249 |
| Noncurrent loans to loans | 0.7096% | 2,105 |
| Net loans and leases to total assets | 61.7133% | 3,152 |
| Net loans and leases to deposits | 66.1915% | 3,703 |
| Net loans and leases to core deposits | 68.1835% | 3,851 |
| Total domestic deposits to total assets | 93.2344% | 12 |
| Equity capital to assets | 6.6579% | 5,007 |
| Core capital (leverage) ratio | 6.4099% | 5,044 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7220% | 2,723 |
| Memoranda: | ||
| Average total assets | $336,113,667 | 2,066 |
| Average earning assets | $322,540,000 | 2,007 |
| Average equity | $23,348,667 | 2,903 |
| Average total loans | $210,799,333 | 2,145 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 2,856 |
| Cost of funding earning assets | 0.3780% | 4,433 |
| Net interest margin | 3.9426% | 1,546 |
| Noninterest income to average assets | 0.4290% | 2,912 |
| Noninterest expense to average assets | 4.1341% | 435 |
| Loan and lease loss provision to assets | 0.2182% | 1,417 |
| Net operating income to assets | -0.1509% | 4,827 |
| Return on assets (ROA) | 0.3242% | 4,325 |
| Pretax return on assets | 0.3242% | 4,415 |
| Return on Equity (ROE) | 4.5592% | 3,798 |
| Retained earnings to average equity (ytd only) | 4.5592% | 2,476 |
| Net charge-offs to loans | 0.0277% | 1,824 |
| Credit loss provision to net charge-offs | 1,250.0000% | 485 |
| Earnings coverage of net charge-offs (x) | 3.8571% | 2,182 |
| Efficiency ratio | 98.3972% | 269 |
| Assets per employee ($millions) | 3.8227% | 4,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7355% | 4,550 |
| Loan loss allowance to noncurrent loans | 84.9425% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.2793% | 922 |
| Noncurrent loans to loans | 0.8659% | 1,885 |
| Net loans and leases to total assets | 61.3856% | 3,360 |
| Net loans and leases to deposits | 66.2104% | 3,853 |
| Net loans and leases to core deposits | 68.4291% | 3,964 |
| Total domestic deposits to total assets | 92.7130% | 16 |
| Equity capital to assets | 7.1726% | 5,062 |
| Core capital (leverage) ratio | 6.8580% | 5,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9605% | 3,110 |
| Memoranda: | ||
| Average total assets | $320,750,500 | 2,086 |
| Average earning assets | $306,904,000 | 2,041 |
| Average equity | $22,811,000 | 2,938 |
| Average total loans | $201,985,000 | 2,169 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 2,463 |
| Cost of funding earning assets | 0.3356% | 4,640 |
| Net interest margin | 4.3183% | 1,053 |
| Noninterest income to average assets | 0.5611% | 2,415 |
| Noninterest expense to average assets | 4.2438% | 402 |
| Loan and lease loss provision to assets | 0.2517% | 720 |
| Net operating income to assets | 0.1647% | 4,873 |
| Return on assets (ROA) | 0.1619% | 4,896 |
| Pretax return on assets | 0.1619% | 4,910 |
| Return on Equity (ROE) | 2.3633% | 4,760 |
| Retained earnings to average equity (ytd only) | 2.3633% | 3,841 |
| Net charge-offs to loans | 0.7653% | 218 |
| Credit loss provision to net charge-offs | 50.3827% | 3,123 |
| Earnings coverage of net charge-offs (x) | 0.8335% | 3,591 |
| Efficiency ratio | 91.0645% | 317 |
| Assets per employee ($millions) | 3.5974% | 4,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6487% | 4,661 |
| Loan loss allowance to noncurrent loans | 64.5588% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.4013% | 751 |
| Noncurrent loans to loans | 1.0048% | 1,510 |
| Net loans and leases to total assets | 63.7187% | 3,239 |
| Net loans and leases to deposits | 68.6222% | 3,765 |
| Net loans and leases to core deposits | 70.9720% | 3,914 |
| Total domestic deposits to total assets | 92.8543% | 13 |
| Equity capital to assets | 7.0494% | 5,139 |
| Core capital (leverage) ratio | 6.8015% | 5,149 |
| Tier 1 risk-based capital ratio | 10.9979% | 4,861 |
| Total risk-based capital ratio | 11.6653% | 4,976 |
| Memoranda: | ||
| Average total assets | $313,866,400 | 2,079 |
| Average earning assets | $297,944,600 | 2,040 |
| Average equity | $21,495,200 | 3,004 |
| Average total loans | $204,878,600 | 2,131 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 2,472 |
| Cost of funding earning assets | 0.3173% | 4,758 |
| Net interest margin | 4.3652% | 1,022 |
| Noninterest income to average assets | 0.5364% | 2,529 |
| Noninterest expense to average assets | 4.2665% | 379 |
| Loan and lease loss provision to assets | 0.1511% | 1,250 |
| Net operating income to assets | 0.2537% | 4,898 |
| Return on assets (ROA) | 0.2537% | 4,913 |
| Pretax return on assets | 0.2537% | 4,948 |
| Return on Equity (ROE) | 3.7325% | 4,634 |
| Retained earnings to average equity (ytd only) | 3.7325% | 3,533 |
| Net charge-offs to loans | 0.7175% | 221 |
| Credit loss provision to net charge-offs | 32.1267% | 2,901 |
| Earnings coverage of net charge-offs (x) | 0.8606% | 3,339 |
| Efficiency ratio | 91.3333% | 288 |
| Assets per employee ($millions) | 3.5188% | 4,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 4,714 |
| Loan loss allowance to noncurrent loans | 53.9078% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 2.2555% | 339 |
| Noncurrent loans to loans | 1.2199% | 1,285 |
| Net loans and leases to total assets | 64.1553% | 3,270 |
| Net loans and leases to deposits | 69.2229% | 3,817 |
| Net loans and leases to core deposits | 71.7229% | 3,965 |
| Total domestic deposits to total assets | 92.6794% | 16 |
| Equity capital to assets | 7.1845% | 5,207 |
| Core capital (leverage) ratio | 6.9866% | 5,219 |
| Tier 1 risk-based capital ratio | 10.8724% | 4,963 |
| Total risk-based capital ratio | 11.5435% | 5,054 |
| Memoranda: | ||
| Average total assets | $313,191,000 | 2,096 |
| Average earning assets | $296,673,000 | 2,057 |
| Average equity | $21,290,000 | 3,043 |
| Average total loans | $205,340,750 | 2,143 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 2,421 |
| Cost of funding earning assets | 0.2933% | 4,842 |
| Net interest margin | 4.3882% | 964 |
| Noninterest income to average assets | 0.4628% | 2,894 |
| Noninterest expense to average assets | 4.2125% | 408 |
| Loan and lease loss provision to assets | 0.0449% | 2,925 |
| Net operating income to assets | 0.3583% | 4,790 |
| Return on assets (ROA) | 0.3583% | 4,808 |
| Pretax return on assets | 0.3583% | 4,879 |
| Return on Equity (ROE) | 5.3744% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.3744% | 2,585 |
| Net charge-offs to loans | 0.5788% | 262 |
| Credit loss provision to net charge-offs | 11.7647% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.0571% | 3,057 |
| Efficiency ratio | 91.2651% | 305 |
| Assets per employee ($millions) | 3.3770% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 4,551 |
| Loan loss allowance to noncurrent loans | 50.4823% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 2.6168% | 272 |
| Noncurrent loans to loans | 1.5227% | 1,012 |
| Net loans and leases to total assets | 65.2340% | 3,204 |
| Net loans and leases to deposits | 70.3819% | 3,809 |
| Net loans and leases to core deposits | 72.1793% | 3,993 |
| Total domestic deposits to total assets | 92.6859% | 18 |
| Equity capital to assets | 7.1728% | 5,255 |
| Core capital (leverage) ratio | 6.9747% | 5,266 |
| Tier 1 risk-based capital ratio | 10.8037% | 4,990 |
| Total risk-based capital ratio | 11.5834% | 5,077 |
| Memoranda: | ||
| Average total assets | $312,023,330 | 2,104 |
| Average earning assets | $295,290,330 | 2,065 |
| Average equity | $20,802,330 | 3,075 |
| Average total loans | $205,614,000 | 2,149 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6674% | 2,326 |
| Cost of funding earning assets | 0.2690% | 4,934 |
| Net interest margin | 4.3984% | 909 |
| Noninterest income to average assets | 0.2213% | 4,421 |
| Noninterest expense to average assets | 4.3480% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0358% | 5,127 |
| Return on assets (ROA) | 0.0358% | 5,130 |
| Pretax return on assets | 0.0358% | 5,126 |
| Return on Equity (ROE) | 0.5583% | 5,111 |
| Retained earnings to average equity (ytd only) | 0.5583% | 4,419 |
| Net charge-offs to loans | 0.2404% | 605 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 0.2258% | 2,673 |
| Efficiency ratio | 99.1830% | 187 |
| Assets per employee ($millions) | 3.2966% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 3,954 |
| Loan loss allowance to noncurrent loans | 53.1124% | 4,211 |
| Noncurrent assets plus other real estate owned to assets | 2.7566% | 245 |
| Noncurrent loans to loans | 1.7917% | 864 |
| Net loans and leases to total assets | 64.8231% | 3,189 |
| Net loans and leases to deposits | 69.4023% | 3,809 |
| Net loans and leases to core deposits | 71.0600% | 4,003 |
| Total domestic deposits to total assets | 93.4021% | 15 |
| Equity capital to assets | 6.4756% | 5,334 |
| Core capital (leverage) ratio | 6.8128% | 5,326 |
| Tier 1 risk-based capital ratio | 10.2804% | 5,227 |
| Total risk-based capital ratio | 11.2353% | 5,239 |
| Memoranda: | ||
| Average total assets | $312,692,000 | 2,110 |
| Average earning assets | $295,928,000 | 2,076 |
| Average equity | $20,061,000 | 3,156 |
| Average total loans | $206,299,500 | 2,163 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4255% | 2,679 |
| Cost of funding earning assets | 0.2529% | 4,792 |
| Net interest margin | 4.1726% | 1,473 |
| Noninterest income to average assets | 0.6923% | 1,876 |
| Noninterest expense to average assets | 4.2544% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3779% | 4,895 |
| Return on assets (ROA) | 0.3754% | 4,894 |
| Pretax return on assets | 0.3754% | 4,963 |
| Return on Equity (ROE) | 6.3755% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.3755% | 1,988 |
| Net charge-offs to loans | -0.0148% | 4,607 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8421% | 283 |
| Assets per employee ($millions) | 3.2178% | 4,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,566 |
| Loan loss allowance to noncurrent loans | 54.8429% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 3.0987% | 192 |
| Noncurrent loans to loans | 1.8591% | 749 |
| Net loans and leases to total assets | 65.8394% | 3,155 |
| Net loans and leases to deposits | 70.4102% | 3,801 |
| Net loans and leases to core deposits | 72.0347% | 3,987 |
| Total domestic deposits to total assets | 93.5084% | 22 |
| Equity capital to assets | 6.3540% | 5,369 |
| Core capital (leverage) ratio | 6.7244% | 5,366 |
| Tier 1 risk-based capital ratio | 10.3006% | 5,245 |
| Total risk-based capital ratio | 11.3188% | 5,243 |
| Memoranda: | ||
| Average total assets | $314,899,600 | 2,067 |
| Average earning assets | $297,342,600 | 2,035 |
| Average equity | $18,539,800 | 3,239 |
| Average total loans | $202,314,400 | 2,157 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,860 |
| Cost of funding earning assets | 0.2480% | 4,796 |
| Net interest margin | 4.0781% | 1,698 |
| Noninterest income to average assets | 0.6401% | 2,117 |
| Noninterest expense to average assets | 4.2212% | 387 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2714% | 5,129 |
| Return on assets (ROA) | 0.2714% | 5,122 |
| Pretax return on assets | 0.2714% | 5,164 |
| Return on Equity (ROE) | 4.7004% | 4,650 |
| Retained earnings to average equity (ytd only) | 4.7004% | 3,396 |
| Net charge-offs to loans | -0.0490% | 4,923 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9593% | 242 |
| Assets per employee ($millions) | 3.2857% | 4,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 3,248 |
| Loan loss allowance to noncurrent loans | 57.8577% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 3.2043% | 211 |
| Noncurrent loans to loans | 1.8842% | 803 |
| Net loans and leases to total assets | 62.1738% | 3,642 |
| Net loans and leases to deposits | 66.0927% | 4,189 |
| Net loans and leases to core deposits | 67.5924% | 4,318 |
| Total domestic deposits to total assets | 94.0706% | 12 |
| Equity capital to assets | 5.7673% | 5,453 |
| Core capital (leverage) ratio | 6.5830% | 5,441 |
| Tier 1 risk-based capital ratio | 10.4384% | 5,257 |
| Total risk-based capital ratio | 11.5193% | 5,236 |
| Memoranda: | ||
| Average total assets | $316,398,000 | 2,076 |
| Average earning assets | $298,892,750 | 2,037 |
| Average equity | $18,267,750 | 3,289 |
| Average total loans | $201,523,750 | 2,171 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2456% | 2,960 |
| Cost of funding earning assets | 0.2417% | 4,791 |
| Net interest margin | 4.0039% | 1,845 |
| Noninterest income to average assets | 0.6545% | 2,071 |
| Noninterest expense to average assets | 4.2056% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2335% | 5,195 |
| Return on assets (ROA) | 0.2335% | 5,190 |
| Pretax return on assets | 0.2335% | 5,215 |
| Return on Equity (ROE) | 4.0422% | 4,813 |
| Retained earnings to average equity (ytd only) | 4.0422% | 3,592 |
| Net charge-offs to loans | -0.1456% | 5,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7406% | 241 |
| Assets per employee ($millions) | 3.3400% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 3,040 |
| Loan loss allowance to noncurrent loans | 97.1893% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 2.5550% | 337 |
| Noncurrent loans to loans | 1.1730% | 1,487 |
| Net loans and leases to total assets | 60.4828% | 3,763 |
| Net loans and leases to deposits | 64.2747% | 4,266 |
| Net loans and leases to core deposits | 65.7060% | 4,382 |
| Total domestic deposits to total assets | 94.1005% | 14 |
| Equity capital to assets | 5.7179% | 5,513 |
| Core capital (leverage) ratio | 6.3510% | 5,509 |
| Tier 1 risk-based capital ratio | 10.4828% | 5,274 |
| Total risk-based capital ratio | 11.6209% | 5,231 |
| Memoranda: | ||
| Average total assets | $317,817,000 | 2,077 |
| Average earning assets | $300,404,000 | 2,045 |
| Average equity | $18,356,330 | 3,295 |
| Average total loans | $203,295,330 | 2,157 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 2,895 |
| Cost of funding earning assets | 0.2317% | 4,823 |
| Net interest margin | 3.9648% | 1,830 |
| Noninterest income to average assets | 0.6464% | 2,047 |
| Noninterest expense to average assets | 4.1952% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.1962% | 5,246 |
| Return on assets (ROA) | 0.1962% | 5,246 |
| Pretax return on assets | 0.1962% | 5,266 |
| Return on Equity (ROE) | 3.3797% | 4,931 |
| Retained earnings to average equity (ytd only) | 3.3797% | 3,859 |
| Net charge-offs to loans | 0.1270% | 1,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.3636% | 2,470 |
| Efficiency ratio | 95.5326% | 259 |
| Assets per employee ($millions) | 3.3441% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 4,159 |
| Loan loss allowance to noncurrent loans | 15.3982% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 5.9243% | 69 |
| Noncurrent loans to loans | 6.2474% | 95 |
| Net loans and leases to total assets | 64.1053% | 3,291 |
| Net loans and leases to deposits | 68.9804% | 3,876 |
| Net loans and leases to core deposits | 70.4552% | 4,063 |
| Total domestic deposits to total assets | 92.9326% | 43 |
| Equity capital to assets | 5.6570% | 5,576 |
| Core capital (leverage) ratio | 6.3355% | 5,564 |
| Tier 1 risk-based capital ratio | 9.5157% | 5,557 |
| Total risk-based capital ratio | 10.4589% | 5,566 |
| Memoranda: | ||
| Average total assets | $318,075,500 | 2,084 |
| Average earning assets | $300,443,000 | 2,059 |
| Average equity | $18,463,000 | 3,310 |
| Average total loans | $207,880,500 | 2,135 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1847% | 2,744 |
| Cost of funding earning assets | 0.2118% | 4,857 |
| Net interest margin | 3.9729% | 1,833 |
| Noninterest income to average assets | 0.6273% | 2,318 |
| Noninterest expense to average assets | 4.2275% | 406 |
| Loan and lease loss provision to assets | 0.0418% | 3,419 |
| Net operating income to assets | 0.1069% | 5,251 |
| Return on assets (ROA) | 0.1069% | 5,255 |
| Pretax return on assets | 0.1069% | 5,372 |
| Return on Equity (ROE) | 1.8481% | 5,091 |
| Retained earnings to average equity (ytd only) | 1.8481% | 4,211 |
| Net charge-offs to loans | 0.4508% | 533 |
| Credit loss provision to net charge-offs | 14.3160% | 3,642 |
| Earnings coverage of net charge-offs (x) | 0.5090% | 3,990 |
| Efficiency ratio | 96.6006% | 241 |
| Assets per employee ($millions) | 3.2824% | 4,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 3,989 |
| Loan loss allowance to noncurrent loans | 16.8324% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 5.8223% | 69 |
| Noncurrent loans to loans | 5.8992% | 93 |
| Net loans and leases to total assets | 65.3400% | 3,179 |
| Net loans and leases to deposits | 70.5737% | 3,822 |
| Net loans and leases to core deposits | 72.3031% | 4,030 |
| Total domestic deposits to total assets | 92.5840% | 47 |
| Equity capital to assets | 5.9550% | 5,631 |
| Core capital (leverage) ratio | 6.2089% | 5,629 |
| Tier 1 risk-based capital ratio | 9.5511% | 5,600 |
| Total risk-based capital ratio | 10.5366% | 5,608 |
| Memoranda: | ||
| Average total assets | $322,653,000 | 2,052 |
| Average earning assets | $304,464,800 | 2,018 |
| Average equity | $18,667,800 | 3,283 |
| Average total loans | $209,167,200 | 2,084 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 2,702 |
| Cost of funding earning assets | 0.2055% | 4,930 |
| Net interest margin | 3.9680% | 1,809 |
| Noninterest income to average assets | 0.5805% | 2,580 |
| Noninterest expense to average assets | 4.2451% | 391 |
| Loan and lease loss provision to assets | 0.0555% | 2,981 |
| Net operating income to assets | 0.0251% | 5,498 |
| Return on assets (ROA) | 0.0251% | 5,504 |
| Pretax return on assets | 0.0251% | 5,501 |
| Return on Equity (ROE) | 0.4362% | 5,486 |
| Retained earnings to average equity (ytd only) | 0.4362% | 5,122 |
| Net charge-offs to loans | 0.4564% | 456 |
| Credit loss provision to net charge-offs | 18.8285% | 3,167 |
| Earnings coverage of net charge-offs (x) | 0.2734% | 3,678 |
| Efficiency ratio | 98.1385% | 202 |
| Assets per employee ($millions) | 3.2410% | 5,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,538 |
| Loan loss allowance to noncurrent loans | 17.8039% | 5,092 |
| Noncurrent assets plus other real estate owned to assets | 5.9525% | 69 |
| Noncurrent loans to loans | 6.1269% | 100 |
| Net loans and leases to total assets | 64.7430% | 3,294 |
| Net loans and leases to deposits | 69.8690% | 3,974 |
| Net loans and leases to core deposits | 71.8906% | 4,138 |
| Total domestic deposits to total assets | 92.6634% | 31 |
| Equity capital to assets | 5.8908% | 5,702 |
| Core capital (leverage) ratio | 6.1374% | 5,695 |
| Tier 1 risk-based capital ratio | 9.2987% | 5,688 |
| Total risk-based capital ratio | 10.3785% | 5,691 |
| Memoranda: | ||
| Average total assets | $324,537,500 | 2,058 |
| Average earning assets | $306,306,500 | 2,023 |
| Average equity | $18,643,500 | 3,312 |
| Average total loans | $209,468,750 | 2,088 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1493% | 2,672 |
| Cost of funding earning assets | 0.2032% | 4,944 |
| Net interest margin | 3.9461% | 1,795 |
| Noninterest income to average assets | 0.5157% | 2,924 |
| Noninterest expense to average assets | 4.3449% | 355 |
| Loan and lease loss provision to assets | 0.0829% | 2,329 |
| Net operating income to assets | -0.1915% | 5,620 |
| Return on assets (ROA) | -0.1915% | 5,620 |
| Pretax return on assets | -0.1915% | 5,605 |
| Return on Equity (ROE) | -3.3625% | 5,661 |
| Retained earnings to average equity (ytd only) | -3.3625% | 5,457 |
| Net charge-offs to loans | 0.1128% | 1,504 |
| Credit loss provision to net charge-offs | 114.4068% | 1,841 |
| Earnings coverage of net charge-offs (x) | -1.5000% | 3,440 |
| Efficiency ratio | 102.5652% | 162 |
| Assets per employee ($millions) | 3.2978% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 2,196 |
| Loan loss allowance to noncurrent loans | 19.7081% | 5,120 |
| Noncurrent assets plus other real estate owned to assets | 6.5462% | 62 |
| Noncurrent loans to loans | 6.8281% | 74 |
| Net loans and leases to total assets | 65.5580% | 3,173 |
| Net loans and leases to deposits | 70.6256% | 3,863 |
| Net loans and leases to core deposits | 72.4192% | 4,064 |
| Total domestic deposits to total assets | 92.8248% | 33 |
| Equity capital to assets | 5.7253% | 5,750 |
| Core capital (leverage) ratio | 5.9706% | 5,744 |
| Tier 1 risk-based capital ratio | 8.8804% | 5,746 |
| Total risk-based capital ratio | 10.1311% | 5,747 |
| Memoranda: | ||
| Average total assets | $325,764,000 | 2,049 |
| Average earning assets | $307,136,000 | 2,016 |
| Average equity | $18,557,670 | 3,325 |
| Average total loans | $209,283,670 | 2,092 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0835% | 2,708 |
| Cost of funding earning assets | 0.2053% | 4,926 |
| Net interest margin | 3.8783% | 1,859 |
| Noninterest income to average assets | 0.9479% | 1,111 |
| Noninterest expense to average assets | 4.1290% | 466 |
| Loan and lease loss provision to assets | 0.1651% | 1,089 |
| Net operating income to assets | 0.3045% | 5,185 |
| Return on assets (ROA) | 0.3045% | 5,203 |
| Pretax return on assets | 0.3045% | 5,308 |
| Return on Equity (ROE) | 5.3592% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.3592% | 2,699 |
| Net charge-offs to loans | 0.1452% | 1,079 |
| Credit loss provision to net charge-offs | 180.0000% | 1,088 |
| Earnings coverage of net charge-offs (x) | 5.1200% | 2,317 |
| Efficiency ratio | 89.7872% | 568 |
| Assets per employee ($millions) | 3.1616% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 2,014 |
| Loan loss allowance to noncurrent loans | 22.8107% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 6.0634% | 80 |
| Noncurrent loans to loans | 6.2050% | 106 |
| Net loans and leases to total assets | 62.1297% | 3,518 |
| Net loans and leases to deposits | 66.8775% | 4,101 |
| Net loans and leases to core deposits | 68.5429% | 4,253 |
| Total domestic deposits to total assets | 92.9007% | 38 |
| Equity capital to assets | 5.7036% | 5,820 |
| Core capital (leverage) ratio | 6.1137% | 5,803 |
| Tier 1 risk-based capital ratio | 9.4822% | 5,773 |
| Total risk-based capital ratio | 10.7339% | 5,764 |
| Memoranda: | ||
| Average total assets | $327,055,500 | 2,056 |
| Average earning assets | $307,870,000 | 2,035 |
| Average equity | $18,585,000 | 3,337 |
| Average total loans | $206,545,000 | 2,126 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,331 |
| Cost of funding earning assets | 0.2330% | 4,715 |
| Net interest margin | 4.0118% | 1,602 |
| Noninterest income to average assets | 0.8290% | 1,652 |
| Noninterest expense to average assets | 3.9622% | 636 |
| Loan and lease loss provision to assets | 0.6956% | 177 |
| Net operating income to assets | -0.0748% | 5,677 |
| Return on assets (ROA) | -0.0696% | 5,687 |
| Pretax return on assets | -0.0696% | 5,681 |
| Return on Equity (ROE) | -1.1299% | 5,710 |
| Retained earnings to average equity (ytd only) | -1.1299% | 5,457 |
| Net charge-offs to loans | 0.9629% | 196 |
| Credit loss provision to net charge-offs | 109.3539% | 2,401 |
| Earnings coverage of net charge-offs (x) | 0.9759% | 4,058 |
| Efficiency ratio | 86.4552% | 785 |
| Assets per employee ($millions) | 3.0981% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 2,100 |
| Loan loss allowance to noncurrent loans | 22.2523% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 6.3781% | 81 |
| Noncurrent loans to loans | 6.2715% | 91 |
| Net loans and leases to total assets | 62.4023% | 3,559 |
| Net loans and leases to deposits | 67.1607% | 4,159 |
| Net loans and leases to core deposits | 68.9084% | 4,328 |
| Total domestic deposits to total assets | 92.9149% | 44 |
| Equity capital to assets | 5.6612% | 5,862 |
| Core capital (leverage) ratio | 5.9281% | 5,863 |
| Tier 1 risk-based capital ratio | 9.3363% | 5,832 |
| Total risk-based capital ratio | 10.5877% | 5,833 |
| Memoranda: | ||
| Average total assets | $326,058,000 | 2,029 |
| Average earning assets | $305,099,200 | 2,010 |
| Average equity | $20,090,800 | 3,160 |
| Average total loans | $215,380,600 | 2,008 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 2,211 |
| Cost of funding earning assets | 0.2361% | 4,741 |
| Net interest margin | 4.0487% | 1,530 |
| Noninterest income to average assets | 0.8697% | 1,514 |
| Noninterest expense to average assets | 3.8354% | 727 |
| Loan and lease loss provision to assets | 0.3690% | 419 |
| Net operating income to assets | 0.4504% | 4,873 |
| Return on assets (ROA) | 0.4573% | 4,929 |
| Pretax return on assets | 0.4573% | 5,216 |
| Return on Equity (ROE) | 7.2745% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.2745% | 1,488 |
| Net charge-offs to loans | 0.7678% | 239 |
| Credit loss provision to net charge-offs | 72.0096% | 2,758 |
| Earnings coverage of net charge-offs (x) | 1.5989% | 3,675 |
| Efficiency ratio | 82.3968% | 1,149 |
| Assets per employee ($millions) | 3.1057% | 5,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0937% | 3,864 |
| Loan loss allowance to noncurrent loans | 21.2545% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 5.9350% | 102 |
| Noncurrent loans to loans | 5.1456% | 158 |
| Net loans and leases to total assets | 63.9535% | 3,409 |
| Net loans and leases to deposits | 69.4654% | 4,031 |
| Net loans and leases to core deposits | 71.2663% | 4,228 |
| Total domestic deposits to total assets | 92.0653% | 70 |
| Equity capital to assets | 6.5030% | 5,917 |
| Core capital (leverage) ratio | 6.3866% | 5,911 |
| Tier 1 risk-based capital ratio | 9.7195% | 5,848 |
| Total risk-based capital ratio | 10.7963% | 5,859 |
| Memoranda: | ||
| Average total assets | $326,247,000 | 2,029 |
| Average earning assets | $305,008,250 | 2,015 |
| Average equity | $20,509,500 | 3,145 |
| Average total loans | $217,758,500 | 1,994 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 2,199 |
| Cost of funding earning assets | 0.2391% | 4,767 |
| Net interest margin | 4.0456% | 1,510 |
| Noninterest income to average assets | 0.8399% | 1,585 |
| Noninterest expense to average assets | 3.6893% | 895 |
| Loan and lease loss provision to assets | 0.4999% | 263 |
| Net operating income to assets | 0.4280% | 4,946 |
| Return on assets (ROA) | 0.4384% | 4,995 |
| Pretax return on assets | 0.4384% | 5,265 |
| Return on Equity (ROE) | 7.0559% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.0559% | 1,573 |
| Net charge-offs to loans | 0.9153% | 207 |
| Credit loss provision to net charge-offs | 80.9761% | 2,353 |
| Earnings coverage of net charge-offs (x) | 1.5030% | 3,404 |
| Efficiency ratio | 79.9041% | 1,506 |
| Assets per employee ($millions) | 3.1339% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 3,646 |
| Loan loss allowance to noncurrent loans | 21.8956% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 6.2588% | 101 |
| Noncurrent loans to loans | 5.2519% | 160 |
| Net loans and leases to total assets | 65.6201% | 3,136 |
| Net loans and leases to deposits | 71.3220% | 3,855 |
| Net loans and leases to core deposits | 73.1228% | 4,068 |
| Total domestic deposits to total assets | 92.0055% | 84 |
| Equity capital to assets | 6.5009% | 5,991 |
| Core capital (leverage) ratio | 6.2860% | 5,990 |
| Tier 1 risk-based capital ratio | 9.3436% | 5,975 |
| Total risk-based capital ratio | 10.4717% | 5,974 |
| Memoranda: | ||
| Average total assets | $325,262,670 | 2,042 |
| Average earning assets | $303,689,670 | 2,030 |
| Average equity | $20,210,000 | 3,174 |
| Average total loans | $219,390,330 | 1,987 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2955% | 2,153 |
| Cost of funding earning assets | 0.2427% | 4,774 |
| Net interest margin | 4.0528% | 1,470 |
| Noninterest income to average assets | 0.7965% | 1,627 |
| Noninterest expense to average assets | 3.9627% | 632 |
| Loan and lease loss provision to assets | 0.1108% | 1,878 |
| Net operating income to assets | 0.5060% | 4,607 |
| Return on assets (ROA) | 0.5244% | 4,633 |
| Pretax return on assets | 0.5244% | 5,019 |
| Return on Equity (ROE) | 8.6405% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.6405% | 1,216 |
| Net charge-offs to loans | 0.1793% | 1,077 |
| Credit loss provision to net charge-offs | 90.9091% | 1,758 |
| Earnings coverage of net charge-offs (x) | 5.0606% | 2,366 |
| Efficiency ratio | 86.5323% | 927 |
| Assets per employee ($millions) | 3.1147% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 3,314 |
| Loan loss allowance to noncurrent loans | 21.0701% | 5,436 |
| Noncurrent assets plus other real estate owned to assets | 6.7603% | 94 |
| Noncurrent loans to loans | 5.8318% | 152 |
| Net loans and leases to total assets | 65.6248% | 3,005 |
| Net loans and leases to deposits | 71.1508% | 3,732 |
| Net loans and leases to core deposits | 73.1724% | 3,966 |
| Total domestic deposits to total assets | 92.2335% | 90 |
| Equity capital to assets | 6.2600% | 6,059 |
| Core capital (leverage) ratio | 6.2408% | 6,053 |
| Tier 1 risk-based capital ratio | 9.1487% | 6,049 |
| Total risk-based capital ratio | 10.3509% | 6,041 |
| Memoranda: | ||
| Average total assets | $324,932,500 | 2,058 |
| Average earning assets | $303,297,000 | 2,038 |
| Average equity | $19,721,000 | 3,231 |
| Average total loans | $220,906,000 | 1,977 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3157% | 2,173 |
| Cost of funding earning assets | 0.2550% | 4,727 |
| Net interest margin | 4.0607% | 1,522 |
| Noninterest income to average assets | -1.3871% | 6,180 |
| Noninterest expense to average assets | 4.7955% | 327 |
| Loan and lease loss provision to assets | 0.3106% | 539 |
| Net operating income to assets | -2.7295% | 6,156 |
| Return on assets (ROA) | -2.6594% | 6,155 |
| Pretax return on assets | -2.6594% | 6,155 |
| Return on Equity (ROE) | -40.6945% | 6,167 |
| Retained earnings to average equity (ytd only) | -40.6945% | 6,164 |
| Net charge-offs to loans | 0.6222% | 387 |
| Credit loss provision to net charge-offs | 70.1211% | 3,122 |
| Earnings coverage of net charge-offs (x) | -5.4616% | 4,407 |
| Efficiency ratio | 201.7808% | 13 |
| Assets per employee ($millions) | 3.1040% | 5,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 3,528 |
| Loan loss allowance to noncurrent loans | 21.4423% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 6.8251% | 106 |
| Noncurrent loans to loans | 5.5648% | 164 |
| Net loans and leases to total assets | 68.7195% | 2,588 |
| Net loans and leases to deposits | 74.3056% | 3,457 |
| Net loans and leases to core deposits | 76.4376% | 3,717 |
| Total domestic deposits to total assets | 92.4822% | 72 |
| Equity capital to assets | 5.8760% | 6,125 |
| Core capital (leverage) ratio | 6.0612% | 6,120 |
| Tier 1 risk-based capital ratio | 8.6608% | 6,121 |
| Total risk-based capital ratio | 9.8272% | 6,124 |
| Memoranda: | ||
| Average total assets | $335,524,800 | 1,956 |
| Average earning assets | $310,983,000 | 1,951 |
| Average equity | $21,926,800 | 2,982 |
| Average total loans | $238,839,400 | 1,810 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2813% | 2,304 |
| Cost of funding earning assets | 0.2574% | 4,791 |
| Net interest margin | 4.0239% | 1,624 |
| Noninterest income to average assets | -1.8958% | 6,267 |
| Noninterest expense to average assets | 4.6911% | 367 |
| Loan and lease loss provision to assets | 0.2862% | 543 |
| Net operating income to assets | -3.1504% | 6,251 |
| Return on assets (ROA) | -3.0579% | 6,248 |
| Pretax return on assets | -3.0579% | 6,247 |
| Return on Equity (ROE) | -45.6938% | 6,253 |
| Retained earnings to average equity (ytd only) | -45.6938% | 6,249 |
| Net charge-offs to loans | 0.7309% | 284 |
| Credit loss provision to net charge-offs | 54.7028% | 2,980 |
| Earnings coverage of net charge-offs (x) | -5.4748% | 4,133 |
| Efficiency ratio | 256.7766% | 9 |
| Assets per employee ($millions) | 3.0982% | 5,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,299 |
| Loan loss allowance to noncurrent loans | 20.3405% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 7.0013% | 109 |
| Noncurrent loans to loans | 5.3490% | 178 |
| Net loans and leases to total assets | 69.7866% | 2,420 |
| Net loans and leases to deposits | 75.7445% | 3,335 |
| Net loans and leases to core deposits | 77.9879% | 3,609 |
| Total domestic deposits to total assets | 92.1342% | 88 |
| Equity capital to assets | 6.3098% | 6,189 |
| Core capital (leverage) ratio | 6.3486% | 6,182 |
| Tier 1 risk-based capital ratio | 8.7814% | 6,200 |
| Total risk-based capital ratio | 9.8331% | 6,207 |
| Memoranda: | ||
| Average total assets | $338,700,750 | 1,946 |
| Average earning assets | $313,357,000 | 1,944 |
| Average equity | $22,666,250 | 2,924 |
| Average total loans | $242,419,250 | 1,786 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 2,398 |
| Cost of funding earning assets | 0.2576% | 4,865 |
| Net interest margin | 3.9807% | 1,697 |
| Noninterest income to average assets | -2.7867% | 6,345 |
| Noninterest expense to average assets | 4.7567% | 354 |
| Loan and lease loss provision to assets | 0.2350% | 778 |
| Net operating income to assets | -4.1019% | 6,335 |
| Return on assets (ROA) | -3.9646% | 6,337 |
| Pretax return on assets | -3.9646% | 6,337 |
| Return on Equity (ROE) | -58.1788% | 6,333 |
| Retained earnings to average equity (ytd only) | -58.1788% | 6,328 |
| Net charge-offs to loans | 0.6521% | 355 |
| Credit loss provision to net charge-offs | 50.1247% | 2,702 |
| Earnings coverage of net charge-offs (x) | -8.2481% | 3,838 |
| Efficiency ratio | 534.6255% | 5 |
| Assets per employee ($millions) | 3.1106% | 5,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 4,118 |
| Loan loss allowance to noncurrent loans | 17.4350% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 7.5044% | 106 |
| Noncurrent loans to loans | 6.5567% | 133 |
| Net loans and leases to total assets | 71.4154% | 2,084 |
| Net loans and leases to deposits | 77.5209% | 3,092 |
| Net loans and leases to core deposits | 79.8051% | 3,411 |
| Total domestic deposits to total assets | 92.1241% | 116 |
| Equity capital to assets | 6.3968% | 6,251 |
| Core capital (leverage) ratio | 6.6407% | 6,227 |
| Tier 1 risk-based capital ratio | 8.9810% | 6,260 |
| Total risk-based capital ratio | 10.0909% | 6,259 |
| Memoranda: | ||
| Average total assets | $342,130,670 | 1,934 |
| Average earning assets | $315,978,330 | 1,942 |
| Average equity | $23,314,330 | 2,884 |
| Average total loans | $245,989,670 | 1,773 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,559 |
| Cost of funding earning assets | 0.2591% | 4,921 |
| Net interest margin | 3.9144% | 1,844 |
| Noninterest income to average assets | -5.9288% | 6,417 |
| Noninterest expense to average assets | 4.9401% | 308 |
| Loan and lease loss provision to assets | 0.1206% | 1,719 |
| Net operating income to assets | -7.3987% | 6,411 |
| Return on assets (ROA) | -7.1288% | 6,411 |
| Pretax return on assets | -7.1288% | 6,411 |
| Return on Equity (ROE) | -101.6642% | 6,408 |
| Retained earnings to average equity (ytd only) | -101.6642% | 6,404 |
| Net charge-offs to loans | 0.3602% | 679 |
| Credit loss provision to net charge-offs | 46.6667% | 2,131 |
| Earnings coverage of net charge-offs (x) | -28.1689% | 3,266 |
| Efficiency ratio | -211.2967% | 6,416 |
| Assets per employee ($millions) | 3.0657% | 5,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,709 |
| Loan loss allowance to noncurrent loans | 19.0522% | 5,730 |
| Noncurrent assets plus other real estate owned to assets | 7.6205% | 108 |
| Noncurrent loans to loans | 6.5431% | 153 |
| Net loans and leases to total assets | 71.1895% | 1,947 |
| Net loans and leases to deposits | 77.4521% | 2,885 |
| Net loans and leases to core deposits | 79.5707% | 3,217 |
| Total domestic deposits to total assets | 91.9142% | 154 |
| Equity capital to assets | 6.6039% | 6,299 |
| Core capital (leverage) ratio | 6.5340% | 6,293 |
| Tier 1 risk-based capital ratio | 9.0967% | 6,312 |
| Total risk-based capital ratio | 10.3049% | 6,303 |
| Memoranda: | ||
| Average total assets | $348,332,500 | 1,905 |
| Average earning assets | $319,536,000 | 1,926 |
| Average equity | $24,425,500 | 2,794 |
| Average total loans | $249,885,000 | 1,743 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3463% | 2,431 |
| Cost of funding earning assets | 0.2652% | 5,160 |
| Net interest margin | 4.0811% | 1,647 |
| Noninterest income to average assets | 0.4206% | 4,034 |
| Noninterest expense to average assets | 4.0844% | 695 |
| Loan and lease loss provision to assets | 0.0158% | 4,288 |
| Net operating income to assets | -0.1028% | 6,155 |
| Return on assets (ROA) | -0.1028% | 6,164 |
| Pretax return on assets | -0.1028% | 6,140 |
| Return on Equity (ROE) | -1.3325% | 6,180 |
| Retained earnings to average equity (ytd only) | -1.3325% | 5,954 |
| Net charge-offs to loans | 0.4255% | 996 |
| Credit loss provision to net charge-offs | 6.2112% | 4,147 |
| Earnings coverage of net charge-offs (x) | -0.3416% | 4,750 |
| Efficiency ratio | 102.1756% | 325 |
| Assets per employee ($millions) | 5.7374% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 4,316 |
| Loan loss allowance to noncurrent loans | 28.2517% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 10.9775% | 74 |
| Noncurrent loans to loans | 4.0491% | 450 |
| Net loans and leases to total assets | 63.9461% | 3,231 |
| Net loans and leases to deposits | 69.5319% | 3,975 |
| Net loans and leases to core deposits | 73.4364% | 3,972 |
| Total domestic deposits to total assets | 91.9665% | 151 |
| Equity capital to assets | 7.9130% | 6,101 |
| Core capital (leverage) ratio | 7.9074% | 6,048 |
| Tier 1 risk-based capital ratio | 11.4058% | 5,717 |
| Total risk-based capital ratio | 12.4465% | 5,755 |
| Memoranda: | ||
| Average total assets | $63,240,400 | 5,470 |
| Average earning assets | $55,426,000 | 5,535 |
| Average equity | $4,878,000 | 5,885 |
| Average total loans | $37,841,600 | 5,263 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2603% | 2,776 |
| Cost of funding earning assets | 0.2676% | 5,232 |
| Net interest margin | 3.9926% | 1,900 |
| Noninterest income to average assets | 0.1791% | 5,843 |
| Noninterest expense to average assets | 4.0627% | 711 |
| Loan and lease loss provision to assets | 0.0211% | 3,983 |
| Net operating income to assets | -0.4151% | 6,347 |
| Return on assets (ROA) | -0.4151% | 6,345 |
| Pretax return on assets | -0.4151% | 6,331 |
| Return on Equity (ROE) | -5.4168% | 6,378 |
| Retained earnings to average equity (ytd only) | -5.4168% | 6,272 |
| Net charge-offs to loans | 0.4493% | 877 |
| Credit loss provision to net charge-offs | 8.0000% | 3,732 |
| Earnings coverage of net charge-offs (x) | -1.4960% | 4,544 |
| Efficiency ratio | 110.7410% | 211 |
| Assets per employee ($millions) | 5.7854% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 3,455 |
| Loan loss allowance to noncurrent loans | 26.4598% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 11.5040% | 73 |
| Noncurrent loans to loans | 5.0595% | 353 |
| Net loans and leases to total assets | 58.2504% | 4,035 |
| Net loans and leases to deposits | 63.1505% | 4,622 |
| Net loans and leases to core deposits | 66.9544% | 4,611 |
| Total domestic deposits to total assets | 92.2406% | 127 |
| Equity capital to assets | 7.4703% | 6,313 |
| Core capital (leverage) ratio | 7.7232% | 6,209 |
| Tier 1 risk-based capital ratio | 11.6898% | 5,674 |
| Total risk-based capital ratio | 12.8689% | 5,643 |
| Memoranda: | ||
| Average total assets | $63,272,750 | 5,529 |
| Average earning assets | $55,300,500 | 5,608 |
| Average equity | $4,849,000 | 5,954 |
| Average total loans | $37,096,000 | 5,340 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,703 |
| Cost of funding earning assets | 0.2725% | 5,263 |
| Net interest margin | 3.9965% | 1,813 |
| Noninterest income to average assets | 0.6239% | 2,687 |
| Noninterest expense to average assets | 4.0190% | 743 |
| Loan and lease loss provision to assets | 0.0317% | 3,648 |
| Net operating income to assets | 0.0570% | 6,123 |
| Return on assets (ROA) | 0.0570% | 6,146 |
| Pretax return on assets | 0.0570% | 6,140 |
| Return on Equity (ROE) | 0.7376% | 6,100 |
| Retained earnings to average equity (ytd only) | 0.7376% | 5,443 |
| Net charge-offs to loans | 0.6714% | 569 |
| Credit loss provision to net charge-offs | 8.0645% | 3,323 |
| Earnings coverage of net charge-offs (x) | 0.2258% | 4,088 |
| Efficiency ratio | 97.8412% | 474 |
| Assets per employee ($millions) | 5.7880% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 3,529 |
| Loan loss allowance to noncurrent loans | 28.0936% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 11.8568% | 70 |
| Noncurrent loans to loans | 4.8510% | 426 |
| Net loans and leases to total assets | 57.2941% | 4,080 |
| Net loans and leases to deposits | 62.3374% | 4,662 |
| Net loans and leases to core deposits | 66.1013% | 4,634 |
| Total domestic deposits to total assets | 91.9096% | 184 |
| Equity capital to assets | 7.8627% | 6,230 |
| Core capital (leverage) ratio | 8.1081% | 6,014 |
| Tier 1 risk-based capital ratio | 12.2671% | 5,375 |
| Total risk-based capital ratio | 13.4556% | 5,332 |
| Memoranda: | ||
| Average total assets | $63,150,670 | 5,583 |
| Average earning assets | $55,048,330 | 5,661 |
| Average equity | $4,880,670 | 5,986 |
| Average total loans | $36,937,000 | 5,376 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 3,044 |
| Cost of funding earning assets | 0.2782% | 5,302 |
| Net interest margin | 3.8795% | 2,160 |
| Noninterest income to average assets | 0.8141% | 1,695 |
| Noninterest expense to average assets | 3.9496% | 803 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2353% | 5,701 |
| Return on assets (ROA) | 0.2353% | 5,748 |
| Pretax return on assets | 0.2353% | 5,859 |
| Return on Equity (ROE) | 3.0718% | 5,435 |
| Retained earnings to average equity (ytd only) | 3.0718% | 4,276 |
| Net charge-offs to loans | 1.4520% | 223 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.2761% | 3,384 |
| Efficiency ratio | 94.3769% | 730 |
| Assets per employee ($millions) | 5.8403% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 4,035 |
| Loan loss allowance to noncurrent loans | 25.3669% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 13.0738% | 58 |
| Noncurrent loans to loans | 5.1884% | 413 |
| Net loans and leases to total assets | 56.4886% | 4,081 |
| Net loans and leases to deposits | 61.2748% | 4,629 |
| Net loans and leases to core deposits | 64.9253% | 4,603 |
| Total domestic deposits to total assets | 92.1890% | 206 |
| Equity capital to assets | 7.6195% | 6,269 |
| Core capital (leverage) ratio | 8.2109% | 5,934 |
| Tier 1 risk-based capital ratio | 12.1170% | 5,560 |
| Total risk-based capital ratio | 13.2405% | 5,583 |
| Memoranda: | ||
| Average total assets | $62,892,000 | 5,646 |
| Average earning assets | $54,646,000 | 5,719 |
| Average equity | $4,818,000 | 6,039 |
| Average total loans | $36,914,500 | 5,433 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 3,774 |
| Cost of funding earning assets | 0.3461% | 5,182 |
| Net interest margin | 3.7453% | 2,878 |
| Noninterest income to average assets | 0.9382% | 1,553 |
| Noninterest expense to average assets | 3.9663% | 903 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2824% | 5,584 |
| Return on assets (ROA) | 0.3059% | 5,602 |
| Pretax return on assets | 0.3059% | 5,723 |
| Return on Equity (ROE) | 4.0081% | 5,106 |
| Retained earnings to average equity (ytd only) | 4.0081% | 3,339 |
| Net charge-offs to loans | 1.1182% | 495 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.4245% | 4,941 |
| Efficiency ratio | 93.3530% | 782 |
| Assets per employee ($millions) | 5.5946% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6678% | 2,505 |
| Loan loss allowance to noncurrent loans | 24.5628% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 13.6364% | 60 |
| Noncurrent loans to loans | 6.7899% | 258 |
| Net loans and leases to total assets | 59.2077% | 3,845 |
| Net loans and leases to deposits | 64.2401% | 4,485 |
| Net loans and leases to core deposits | 68.2609% | 4,488 |
| Total domestic deposits to total assets | 92.1662% | 255 |
| Equity capital to assets | 7.7038% | 6,185 |
| Core capital (leverage) ratio | 8.1989% | 5,975 |
| Tier 1 risk-based capital ratio | 12.1558% | 5,523 |
| Total risk-based capital ratio | 13.4082% | 5,453 |
| Memoranda: | ||
| Average total assets | $63,736,200 | 5,659 |
| Average earning assets | $56,337,800 | 5,693 |
| Average equity | $4,865,200 | 6,101 |
| Average total loans | $37,916,800 | 5,427 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0434% | 3,960 |
| Cost of funding earning assets | 0.3555% | 5,246 |
| Net interest margin | 3.6880% | 3,076 |
| Noninterest income to average assets | 0.8732% | 1,847 |
| Noninterest expense to average assets | 4.0236% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1203% | 6,097 |
| Return on assets (ROA) | 0.1514% | 6,103 |
| Pretax return on assets | 0.1514% | 6,131 |
| Return on Equity (ROE) | 1.9878% | 5,943 |
| Retained earnings to average equity (ytd only) | 1.9878% | 5,137 |
| Net charge-offs to loans | 1.2972% | 408 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.1563% | 4,810 |
| Efficiency ratio | 97.0971% | 565 |
| Assets per employee ($millions) | 5.7203% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,321 |
| Loan loss allowance to noncurrent loans | 25.1217% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 13.6055% | 65 |
| Noncurrent loans to loans | 7.1442% | 289 |
| Net loans and leases to total assets | 58.3507% | 3,949 |
| Net loans and leases to deposits | 63.2587% | 4,594 |
| Net loans and leases to core deposits | 67.4406% | 4,577 |
| Total domestic deposits to total assets | 92.2413% | 216 |
| Equity capital to assets | 7.5044% | 6,395 |
| Core capital (leverage) ratio | 8.0060% | 6,217 |
| Tier 1 risk-based capital ratio | 11.6950% | 5,949 |
| Total risk-based capital ratio | 12.9497% | 5,909 |
| Memoranda: | ||
| Average total assets | $64,285,000 | 5,703 |
| Average earning assets | $57,012,750 | 5,740 |
| Average equity | $4,896,250 | 6,167 |
| Average total loans | $38,132,250 | 5,477 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 4,374 |
| Cost of funding earning assets | 0.3639% | 5,284 |
| Net interest margin | 3.5623% | 3,515 |
| Noninterest income to average assets | 0.7229% | 2,532 |
| Noninterest expense to average assets | 3.9420% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0433% | 6,350 |
| Return on assets (ROA) | 0.0031% | 6,363 |
| Pretax return on assets | 0.0031% | 6,349 |
| Return on Equity (ROE) | 0.0404% | 6,364 |
| Retained earnings to average equity (ytd only) | 0.0404% | 5,835 |
| Net charge-offs to loans | 0.4586% | 1,435 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | -0.1591% | 4,604 |
| Efficiency ratio | 101.1094% | 454 |
| Assets per employee ($millions) | 5.7820% | 1,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5370% | 949 |
| Loan loss allowance to noncurrent loans | 27.1254% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 13.7401% | 74 |
| Noncurrent loans to loans | 9.3527% | 189 |
| Net loans and leases to total assets | 57.6240% | 4,042 |
| Net loans and leases to deposits | 62.4329% | 4,683 |
| Net loans and leases to core deposits | 66.5408% | 4,636 |
| Total domestic deposits to total assets | 92.2974% | 209 |
| Equity capital to assets | 7.4573% | 6,459 |
| Core capital (leverage) ratio | 7.6997% | 6,368 |
| Tier 1 risk-based capital ratio | 11.9942% | 5,795 |
| Total risk-based capital ratio | 13.2564% | 5,736 |
| Memoranda: | ||
| Average total assets | $64,739,000 | 5,732 |
| Average earning assets | $57,715,670 | 5,758 |
| Average equity | $4,954,330 | 6,195 |
| Average total loans | $38,380,670 | 5,493 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8233% | 4,741 |
| Cost of funding earning assets | 0.3625% | 5,432 |
| Net interest margin | 3.4608% | 3,856 |
| Noninterest income to average assets | 0.7411% | 2,370 |
| Noninterest expense to average assets | 3.8709% | 1,032 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0306% | 6,378 |
| Return on assets (ROA) | 0.0612% | 6,312 |
| Pretax return on assets | 0.0612% | 6,319 |
| Return on Equity (ROE) | 0.7905% | 6,260 |
| Retained earnings to average equity (ytd only) | 0.7905% | 5,519 |
| Net charge-offs to loans | 0.7016% | 872 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.0735% | 3,847 |
| Efficiency ratio | 100.7974% | 520 |
| Assets per employee ($millions) | 5.9115% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5793% | 1,031 |
| Loan loss allowance to noncurrent loans | 23.6408% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 13.5651% | 100 |
| Noncurrent loans to loans | 10.9104% | 171 |
| Net loans and leases to total assets | 56.5734% | 3,998 |
| Net loans and leases to deposits | 61.4567% | 4,622 |
| Net loans and leases to core deposits | 65.4114% | 4,600 |
| Total domestic deposits to total assets | 92.0541% | 239 |
| Equity capital to assets | 7.7706% | 6,487 |
| Core capital (leverage) ratio | 7.7301% | 6,336 |
| Tier 1 risk-based capital ratio | 12.2389% | 5,764 |
| Total risk-based capital ratio | 13.5025% | 5,709 |
| Memoranda: | ||
| Average total assets | $65,307,500 | 5,762 |
| Average earning assets | $58,483,000 | 5,787 |
| Average equity | $5,060,000 | 6,230 |
| Average total loans | $38,769,000 | 5,514 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3978% | 3,818 |
| Cost of funding earning assets | 0.5233% | 5,042 |
| Net interest margin | 3.8745% | 2,925 |
| Noninterest income to average assets | 0.5325% | 3,696 |
| Noninterest expense to average assets | 3.5994% | 1,609 |
| Loan and lease loss provision to assets | 0.0231% | 5,604 |
| Net operating income to assets | 0.3509% | 5,288 |
| Return on assets (ROA) | 0.4663% | 5,065 |
| Pretax return on assets | 0.4663% | 5,382 |
| Return on Equity (ROE) | 6.1528% | 4,084 |
| Retained earnings to average equity (ytd only) | 6.1528% | 1,990 |
| Net charge-offs to loans | 0.1511% | 4,179 |
| Credit loss provision to net charge-offs | 23.4375% | 5,237 |
| Earnings coverage of net charge-offs (x) | 3.7969% | 3,600 |
| Efficiency ratio | 90.5887% | 1,014 |
| Assets per employee ($millions) | 4.3725% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6197% | 1,005 |
| Loan loss allowance to noncurrent loans | 25.3590% | 6,236 |
| Noncurrent assets plus other real estate owned to assets | 13.4781% | 103 |
| Noncurrent loans to loans | 10.3303% | 218 |
| Net loans and leases to total assets | 59.0565% | 3,782 |
| Net loans and leases to deposits | 64.1143% | 4,514 |
| Net loans and leases to core deposits | 68.5036% | 4,482 |
| Total domestic deposits to total assets | 92.1114% | 227 |
| Equity capital to assets | 7.7255% | 6,539 |
| Core capital (leverage) ratio | 7.6915% | 6,410 |
| Tier 1 risk-based capital ratio | 11.8929% | 5,847 |
| Total risk-based capital ratio | 13.1590% | 5,800 |
| Memoranda: | ||
| Average total assets | $64,982,200 | 5,786 |
| Average earning assets | $57,710,600 | 5,821 |
| Average equity | $4,924,600 | 6,315 |
| Average total loans | $42,357,800 | 5,405 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5225% | 3,548 |
| Cost of funding earning assets | 0.5595% | 4,999 |
| Net interest margin | 3.9630% | 2,657 |
| Noninterest income to average assets | 0.4093% | 4,559 |
| Noninterest expense to average assets | 3.6134% | 1,531 |
| Loan and lease loss provision to assets | 0.0308% | 5,391 |
| Net operating income to assets | 0.2756% | 5,697 |
| Return on assets (ROA) | 0.3352% | 5,693 |
| Pretax return on assets | 0.3352% | 5,884 |
| Return on Equity (ROE) | 4.4453% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.4453% | 3,768 |
| Net charge-offs to loans | 0.0558% | 4,872 |
| Credit loss provision to net charge-offs | 83.3333% | 3,513 |
| Earnings coverage of net charge-offs (x) | 8.2775% | 2,472 |
| Efficiency ratio | 92.1826% | 877 |
| Assets per employee ($millions) | 4.2891% | 3,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5922% | 1,089 |
| Loan loss allowance to noncurrent loans | 24.1993% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 14.3634% | 99 |
| Noncurrent loans to loans | 10.7119% | 216 |
| Net loans and leases to total assets | 63.5466% | 3,107 |
| Net loans and leases to deposits | 69.0771% | 4,012 |
| Net loans and leases to core deposits | 73.5734% | 4,032 |
| Total domestic deposits to total assets | 91.9937% | 209 |
| Equity capital to assets | 7.7156% | 6,708 |
| Core capital (leverage) ratio | 7.5492% | 6,592 |
| Tier 1 risk-based capital ratio | 11.0488% | 6,458 |
| Total risk-based capital ratio | 12.3137% | 6,427 |
| Memoranda: | ||
| Average total assets | $64,830,750 | 5,853 |
| Average earning assets | $57,430,000 | 5,893 |
| Average equity | $4,889,000 | 6,396 |
| Average total loans | $43,003,250 | 5,443 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5728% | 3,470 |
| Cost of funding earning assets | 0.5921% | 4,964 |
| Net interest margin | 3.9807% | 2,587 |
| Noninterest income to average assets | 0.7416% | 2,461 |
| Noninterest expense to average assets | 3.6618% | 1,442 |
| Loan and lease loss provision to assets | 0.0462% | 5,098 |
| Net operating income to assets | 0.5508% | 4,579 |
| Return on assets (ROA) | 0.6400% | 4,417 |
| Pretax return on assets | 0.6400% | 4,995 |
| Return on Equity (ROE) | 8.5526% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.5526% | 1,431 |
| Net charge-offs to loans | 0.0831% | 4,315 |
| Credit loss provision to net charge-offs | 83.3333% | 3,230 |
| Earnings coverage of net charge-offs (x) | 10.7778% | 2,020 |
| Efficiency ratio | 85.9827% | 1,438 |
| Assets per employee ($millions) | 4.3187% | 3,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5817% | 1,173 |
| Loan loss allowance to noncurrent loans | 27.8475% | 6,240 |
| Noncurrent assets plus other real estate owned to assets | 14.0319% | 122 |
| Noncurrent loans to loans | 9.2708% | 311 |
| Net loans and leases to total assets | 63.3751% | 3,171 |
| Net loans and leases to deposits | 68.8889% | 4,061 |
| Net loans and leases to core deposits | 73.3557% | 4,118 |
| Total domestic deposits to total assets | 91.9961% | 224 |
| Equity capital to assets | 7.7229% | 6,706 |
| Core capital (leverage) ratio | 7.5423% | 6,608 |
| Tier 1 risk-based capital ratio | 11.0180% | 6,486 |
| Total risk-based capital ratio | 12.2813% | 6,457 |
| Memoranda: | ||
| Average total assets | $64,995,330 | 5,883 |
| Average earning assets | $57,426,670 | 5,927 |
| Average equity | $4,864,000 | 6,427 |
| Average total loans | $43,347,000 | 5,458 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6612% | 3,211 |
| Cost of funding earning assets | 0.6410% | 4,814 |
| Net interest margin | 4.0202% | 2,416 |
| Noninterest income to average assets | 0.7926% | 2,198 |
| Noninterest expense to average assets | 3.5882% | 1,581 |
| Loan and lease loss provision to assets | 0.0922% | 4,200 |
| Net operating income to assets | 0.6574% | 4,094 |
| Return on assets (ROA) | 0.6574% | 4,304 |
| Pretax return on assets | 0.6574% | 4,919 |
| Return on Equity (ROE) | 8.9269% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.9269% | 1,618 |
| Net charge-offs to loans | 0.0819% | 3,678 |
| Credit loss provision to net charge-offs | 166.6667% | 1,525 |
| Earnings coverage of net charge-offs (x) | 13.5556% | 1,530 |
| Efficiency ratio | 82.7195% | 1,840 |
| Assets per employee ($millions) | 4.2999% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5339% | 1,306 |
| Loan loss allowance to noncurrent loans | 28.0778% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 14.5599% | 114 |
| Noncurrent loans to loans | 9.0246% | 376 |
| Net loans and leases to total assets | 65.4212% | 2,575 |
| Net loans and leases to deposits | 70.9403% | 3,600 |
| Net loans and leases to core deposits | 75.8866% | 3,632 |
| Total domestic deposits to total assets | 92.2200% | 223 |
| Equity capital to assets | 7.5474% | 6,760 |
| Core capital (leverage) ratio | 7.3006% | 6,725 |
| Tier 1 risk-based capital ratio | 10.4807% | 6,744 |
| Total risk-based capital ratio | 11.7449% | 6,731 |
| Memoranda: | ||
| Average total assets | $65,102,500 | 5,914 |
| Average earning assets | $57,410,500 | 5,958 |
| Average equity | $4,794,500 | 6,483 |
| Average total loans | $43,949,000 | 5,466 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6137% | 4,619 |
| Cost of funding earning assets | 0.8468% | 4,488 |
| Net interest margin | 3.7669% | 3,995 |
| Noninterest income to average assets | 0.6948% | 2,632 |
| Noninterest expense to average assets | 3.5483% | 1,869 |
| Loan and lease loss provision to assets | 0.3118% | 3,176 |
| Net operating income to assets | 0.2093% | 5,566 |
| Return on assets (ROA) | 0.4454% | 4,873 |
| Pretax return on assets | 0.4454% | 5,146 |
| Return on Equity (ROE) | 6.5778% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.5778% | 1,705 |
| Net charge-offs to loans | 1.3243% | 1,244 |
| Credit loss provision to net charge-offs | 34.5395% | 5,717 |
| Earnings coverage of net charge-offs (x) | 0.5773% | 5,396 |
| Efficiency ratio | 87.1945% | 1,421 |
| Assets per employee ($millions) | 4.3804% | 3,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4459% | 1,388 |
| Loan loss allowance to noncurrent loans | 27.4465% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 14.1798% | 147 |
| Noncurrent loans to loans | 8.9116% | 401 |
| Net loans and leases to total assets | 66.2253% | 2,741 |
| Net loans and leases to deposits | 71.4950% | 3,876 |
| Net loans and leases to core deposits | 76.3591% | 3,930 |
| Total domestic deposits to total assets | 92.6293% | 165 |
| Equity capital to assets | 7.1850% | 6,911 |
| Core capital (leverage) ratio | 7.0749% | 6,840 |
| Tier 1 risk-based capital ratio | 10.1057% | 6,825 |
| Total risk-based capital ratio | 11.3697% | 6,807 |
| Memoranda: | ||
| Average total assets | $67,355,400 | 5,825 |
| Average earning assets | $60,341,800 | 5,854 |
| Average equity | $4,560,800 | 6,571 |
| Average total loans | $45,909,400 | 5,429 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6375% | 4,716 |
| Cost of funding earning assets | 0.8798% | 4,554 |
| Net interest margin | 3.7577% | 4,074 |
| Noninterest income to average assets | 0.7063% | 2,566 |
| Noninterest expense to average assets | 3.6300% | 1,649 |
| Loan and lease loss provision to assets | 0.2656% | 3,383 |
| Net operating income to assets | 0.1889% | 5,728 |
| Return on assets (ROA) | 0.5017% | 4,726 |
| Pretax return on assets | 0.5017% | 5,152 |
| Return on Equity (ROE) | 7.5207% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.5207% | 1,702 |
| Net charge-offs to loans | 1.4015% | 1,070 |
| Credit loss provision to net charge-offs | 27.7778% | 5,442 |
| Earnings coverage of net charge-offs (x) | 0.4753% | 5,263 |
| Efficiency ratio | 88.8728% | 1,260 |
| Assets per employee ($millions) | 4.3804% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5225% | 1,367 |
| Loan loss allowance to noncurrent loans | 36.0812% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 12.7416% | 197 |
| Noncurrent loans to loans | 6.9912% | 710 |
| Net loans and leases to total assets | 66.9284% | 2,687 |
| Net loans and leases to deposits | 72.2719% | 3,945 |
| Net loans and leases to core deposits | 77.8902% | 3,921 |
| Total domestic deposits to total assets | 92.6065% | 151 |
| Equity capital to assets | 7.1105% | 7,032 |
| Core capital (leverage) ratio | 7.0325% | 6,951 |
| Tier 1 risk-based capital ratio | 10.1585% | 6,907 |
| Total risk-based capital ratio | 11.4239% | 6,895 |
| Memoranda: | ||
| Average total assets | $67,767,750 | 5,848 |
| Average earning assets | $60,922,000 | 5,875 |
| Average equity | $4,520,750 | 6,630 |
| Average total loans | $46,235,500 | 5,460 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 4,865 |
| Cost of funding earning assets | 0.8876% | 4,775 |
| Net interest margin | 3.7384% | 4,086 |
| Noninterest income to average assets | 0.7216% | 2,428 |
| Noninterest expense to average assets | 3.6111% | 1,712 |
| Loan and lease loss provision to assets | 0.2629% | 3,297 |
| Net operating income to assets | 0.2191% | 5,672 |
| Return on assets (ROA) | 0.4675% | 4,788 |
| Pretax return on assets | 0.4675% | 5,176 |
| Return on Equity (ROE) | 7.1583% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.1583% | 1,808 |
| Net charge-offs to loans | 1.2058% | 1,298 |
| Credit loss provision to net charge-offs | 32.0285% | 4,957 |
| Earnings coverage of net charge-offs (x) | 0.5872% | 4,862 |
| Efficiency ratio | 88.2227% | 1,395 |
| Assets per employee ($millions) | 4.2175% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8164% | 1,064 |
| Loan loss allowance to noncurrent loans | 34.1399% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 13.2662% | 201 |
| Noncurrent loans to loans | 8.2496% | 538 |
| Net loans and leases to total assets | 66.3737% | 2,950 |
| Net loans and leases to deposits | 73.7802% | 3,841 |
| Net loans and leases to core deposits | 79.1745% | 3,904 |
| Total domestic deposits to total assets | 89.9615% | 996 |
| Equity capital to assets | 6.8391% | 7,136 |
| Core capital (leverage) ratio | 6.6150% | 7,101 |
| Tier 1 risk-based capital ratio | 9.8392% | 7,023 |
| Total risk-based capital ratio | 11.1077% | 7,018 |
| Memoranda: | ||
| Average total assets | $68,455,000 | 5,875 |
| Average earning assets | $61,737,000 | 5,895 |
| Average equity | $4,470,330 | 6,688 |
| Average total loans | $46,609,330 | 5,491 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4890% | 5,372 |
| Cost of funding earning assets | 0.9003% | 4,922 |
| Net interest margin | 3.5886% | 4,619 |
| Noninterest income to average assets | 0.6614% | 2,776 |
| Noninterest expense to average assets | 3.3883% | 2,310 |
| Loan and lease loss provision to assets | 0.2611% | 3,046 |
| Net operating income to assets | 0.2727% | 5,531 |
| Return on assets (ROA) | 0.5570% | 4,329 |
| Pretax return on assets | 0.5570% | 4,842 |
| Return on Equity (ROE) | 8.7312% | 2,597 |
| Retained earnings to average equity (ytd only) | 8.7312% | 1,482 |
| Net charge-offs to loans | 1.3569% | 1,020 |
| Credit loss provision to net charge-offs | 28.3019% | 4,146 |
| Earnings coverage of net charge-offs (x) | 0.5786% | 4,190 |
| Efficiency ratio | 86.3905% | 1,671 |
| Assets per employee ($millions) | 4.3276% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9784% | 934 |
| Loan loss allowance to noncurrent loans | 29.6528% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 13.0744% | 209 |
| Noncurrent loans to loans | 10.0444% | 404 |
| Net loans and leases to total assets | 64.6862% | 3,311 |
| Net loans and leases to deposits | 71.3580% | 4,153 |
| Net loans and leases to core deposits | 76.7189% | 4,204 |
| Total domestic deposits to total assets | 90.6502% | 781 |
| Equity capital to assets | 6.3256% | 7,247 |
| Core capital (leverage) ratio | 6.5610% | 7,157 |
| Tier 1 risk-based capital ratio | 9.6813% | 7,098 |
| Total risk-based capital ratio | 10.9517% | 7,105 |
| Memoranda: | ||
| Average total assets | $68,942,500 | 5,899 |
| Average earning assets | $62,642,500 | 5,908 |
| Average equity | $4,398,000 | 6,748 |
| Average total loans | $46,870,500 | 5,528 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 6,454 |
| Cost of funding earning assets | 1.0696% | 5,316 |
| Net interest margin | 3.4064% | 5,608 |
| Noninterest income to average assets | 1.0323% | 1,410 |
| Noninterest expense to average assets | 3.6842% | 1,739 |
| Loan and lease loss provision to assets | 0.3555% | 3,994 |
| Net operating income to assets | 0.1308% | 5,499 |
| Return on assets (ROA) | 0.1521% | 5,593 |
| Pretax return on assets | 0.1521% | 5,592 |
| Return on Equity (ROE) | 2.6099% | 5,126 |
| Retained earnings to average equity (ytd only) | 2.6099% | 4,036 |
| Net charge-offs to loans | 1.2884% | 1,731 |
| Credit loss provision to net charge-offs | 38.6997% | 6,408 |
| Earnings coverage of net charge-offs (x) | 0.5294% | 5,585 |
| Efficiency ratio | 88.3396% | 1,451 |
| Assets per employee ($millions) | 4.2902% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1297% | 779 |
| Loan loss allowance to noncurrent loans | 27.3864% | 6,451 |
| Noncurrent assets plus other real estate owned to assets | 12.9744% | 230 |
| Noncurrent loans to loans | 11.4280% | 326 |
| Net loans and leases to total assets | 67.1401% | 3,180 |
| Net loans and leases to deposits | 74.1282% | 4,171 |
| Net loans and leases to core deposits | 80.0928% | 4,203 |
| Total domestic deposits to total assets | 90.5730% | 805 |
| Equity capital to assets | 6.4333% | 7,270 |
| Core capital (leverage) ratio | 6.2858% | 7,249 |
| Tier 1 risk-based capital ratio | 9.3167% | 7,179 |
| Total risk-based capital ratio | 10.5894% | 7,179 |
| Memoranda: | ||
| Average total assets | $70,326,600 | 5,878 |
| Average earning assets | $64,790,000 | 5,836 |
| Average equity | $4,099,800 | 6,961 |
| Average total loans | $50,140,600 | 5,478 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4567% | 6,708 |
| Cost of funding earning assets | 1.0932% | 5,458 |
| Net interest margin | 3.3635% | 5,798 |
| Noninterest income to average assets | 0.8801% | 1,874 |
| Noninterest expense to average assets | 3.5242% | 1,979 |
| Loan and lease loss provision to assets | 0.4712% | 3,118 |
| Net operating income to assets | -0.0132% | 6,021 |
| Return on assets (ROA) | -0.0132% | 6,149 |
| Pretax return on assets | -0.0132% | 6,106 |
| Return on Equity (ROE) | -0.2320% | 6,169 |
| Retained earnings to average equity (ytd only) | -0.2320% | 5,834 |
| Net charge-offs to loans | 1.5464% | 1,296 |
| Credit loss provision to net charge-offs | 42.4448% | 5,986 |
| Earnings coverage of net charge-offs (x) | 0.4126% | 5,608 |
| Efficiency ratio | 88.4998% | 1,414 |
| Assets per employee ($millions) | 4.3229% | 3,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1771% | 714 |
| Loan loss allowance to noncurrent loans | 27.2231% | 6,499 |
| Noncurrent assets plus other real estate owned to assets | 13.1423% | 223 |
| Noncurrent loans to loans | 11.6705% | 311 |
| Net loans and leases to total assets | 68.1187% | 3,181 |
| Net loans and leases to deposits | 75.2071% | 4,316 |
| Net loans and leases to core deposits | 80.8411% | 4,402 |
| Total domestic deposits to total assets | 90.5748% | 607 |
| Equity capital to assets | 6.3948% | 7,436 |
| Core capital (leverage) ratio | 6.0321% | 7,429 |
| Tier 1 risk-based capital ratio | 8.7390% | 7,413 |
| Total risk-based capital ratio | 10.0117% | 7,422 |
| Memoranda: | ||
| Average total assets | $70,747,500 | 5,925 |
| Average earning assets | $65,248,750 | 5,884 |
| Average equity | $4,020,750 | 7,084 |
| Average total loans | $50,781,750 | 5,537 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 6,524 |
| Cost of funding earning assets | 1.1031% | 5,654 |
| Net interest margin | 3.4761% | 5,336 |
| Noninterest income to average assets | 0.8558% | 1,856 |
| Noninterest expense to average assets | 3.5805% | 1,830 |
| Loan and lease loss provision to assets | 0.7015% | 2,071 |
| Net operating income to assets | -0.2076% | 6,366 |
| Return on assets (ROA) | -0.2076% | 6,412 |
| Pretax return on assets | -0.2076% | 6,343 |
| Return on Equity (ROE) | -3.8079% | 6,605 |
| Retained earnings to average equity (ytd only) | -3.8079% | 6,417 |
| Net charge-offs to loans | 1.1886% | 1,600 |
| Credit loss provision to net charge-offs | 81.6993% | 4,661 |
| Earnings coverage of net charge-offs (x) | 0.5752% | 5,164 |
| Efficiency ratio | 87.8788% | 1,514 |
| Assets per employee ($millions) | 4.4993% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6614% | 487 |
| Loan loss allowance to noncurrent loans | 41.2494% | 5,586 |
| Noncurrent assets plus other real estate owned to assets | 10.7780% | 344 |
| Noncurrent loans to loans | 8.8762% | 538 |
| Net loans and leases to total assets | 66.8505% | 3,650 |
| Net loans and leases to deposits | 73.4340% | 4,765 |
| Net loans and leases to core deposits | 78.9970% | 4,804 |
| Total domestic deposits to total assets | 91.0347% | 471 |
| Equity capital to assets | 5.9690% | 7,546 |
| Core capital (leverage) ratio | 5.8189% | 7,509 |
| Tier 1 risk-based capital ratio | 8.5686% | 7,477 |
| Total risk-based capital ratio | 9.8489% | 7,489 |
| Memoranda: | ||
| Average total assets | $71,274,670 | 5,940 |
| Average earning assets | $65,993,330 | 5,900 |
| Average equity | $3,886,670 | 7,154 |
| Average total loans | $51,488,670 | 5,543 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7007% | 6,241 |
| Cost of funding earning assets | 1.0932% | 5,944 |
| Net interest margin | 3.6075% | 4,695 |
| Noninterest income to average assets | 0.8235% | 1,921 |
| Noninterest expense to average assets | 3.6944% | 1,531 |
| Loan and lease loss provision to assets | 0.8461% | 1,500 |
| Net operating income to assets | -0.3666% | 6,733 |
| Return on assets (ROA) | -0.3666% | 6,777 |
| Pretax return on assets | -0.3666% | 6,697 |
| Return on Equity (ROE) | -7.0623% | 7,001 |
| Retained earnings to average equity (ytd only) | -7.0623% | 6,750 |
| Net charge-offs to loans | 0.7119% | 2,075 |
| Credit loss provision to net charge-offs | 161.2903% | 2,237 |
| Earnings coverage of net charge-offs (x) | 0.9140% | 4,226 |
| Efficiency ratio | 88.5135% | 1,538 |
| Assets per employee ($millions) | 4.2515% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7514% | 451 |
| Loan loss allowance to noncurrent loans | 46.9422% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 9.5316% | 431 |
| Noncurrent loans to loans | 7.9916% | 673 |
| Net loans and leases to total assets | 68.9381% | 3,169 |
| Net loans and leases to deposits | 74.9541% | 4,590 |
| Net loans and leases to core deposits | 80.5253% | 4,703 |
| Total domestic deposits to total assets | 91.9737% | 248 |
| Equity capital to assets | 5.1235% | 7,712 |
| Core capital (leverage) ratio | 5.2658% | 7,682 |
| Tier 1 risk-based capital ratio | 7.4375% | 7,662 |
| Total risk-based capital ratio | 8.7199% | 7,667 |
| Memoranda: | ||
| Average total assets | $70,917,500 | 6,022 |
| Average earning assets | $65,862,000 | 5,970 |
| Average equity | $3,681,500 | 7,295 |
| Average total loans | $52,256,000 | 5,569 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8505% | 6,839 |
| Cost of funding earning assets | 1.5907% | 5,069 |
| Net interest margin | 3.2598% | 5,892 |
| Noninterest income to average assets | 0.5618% | 3,928 |
| Noninterest expense to average assets | 7.7899% | 158 |
| Loan and lease loss provision to assets | 4.0714% | 323 |
| Net operating income to assets | -8.3648% | 7,943 |
| Return on assets (ROA) | -8.2028% | 7,933 |
| Pretax return on assets | -8.2028% | 7,924 |
| Return on Equity (ROE) | -78.3340% | 7,855 |
| Retained earnings to average equity (ytd only) | -78.3340% | 7,852 |
| Net charge-offs to loans | 3.5681% | 538 |
| Credit loss provision to net charge-offs | 156.8193% | 2,879 |
| Earnings coverage of net charge-offs (x) | -1.6537% | 6,976 |
| Efficiency ratio | 79.8580% | 2,911 |
| Assets per employee ($millions) | 4.0918% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5738% | 504 |
| Loan loss allowance to noncurrent loans | 40.3640% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 9.6952% | 391 |
| Noncurrent loans to loans | 8.8539% | 529 |
| Net loans and leases to total assets | 73.1167% | 2,474 |
| Net loans and leases to deposits | 79.6604% | 4,054 |
| Net loans and leases to core deposits | 99.7001% | 4,036 |
| Total domestic deposits to total assets | 91.7855% | 310 |
| Equity capital to assets | 5.2616% | 7,763 |
| Core capital (leverage) ratio | 5.0437% | 7,768 |
| Tier 1 risk-based capital ratio | 7.4464% | 7,703 |
| Total risk-based capital ratio | 8.7275% | 7,709 |
| Memoranda: | ||
| Average total assets | $76,534,600 | 5,824 |
| Average earning assets | $68,899,800 | 5,844 |
| Average equity | $8,014,400 | 5,917 |
| Average total loans | $55,687,400 | 5,432 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9451% | 6,781 |
| Cost of funding earning assets | 1.7030% | 4,883 |
| Net interest margin | 3.2420% | 5,872 |
| Noninterest income to average assets | 0.6183% | 3,562 |
| Noninterest expense to average assets | 2.4391% | 6,280 |
| Loan and lease loss provision to assets | 4.0300% | 300 |
| Net operating income to assets | -2.9552% | 7,574 |
| Return on assets (ROA) | -2.7815% | 7,539 |
| Pretax return on assets | -2.7815% | 7,445 |
| Return on Equity (ROE) | -23.9183% | 7,485 |
| Retained earnings to average equity (ytd only) | -23.9183% | 7,459 |
| Net charge-offs to loans | 3.3083% | 480 |
| Credit loss provision to net charge-offs | 169.0000% | 2,767 |
| Earnings coverage of net charge-offs (x) | 0.4507% | 5,576 |
| Efficiency ratio | 69.4135% | 4,711 |
| Assets per employee ($millions) | 4.2621% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2098% | 556 |
| Loan loss allowance to noncurrent loans | 40.9415% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 8.9393% | 437 |
| Noncurrent loans to loans | 7.8398% | 632 |
| Net loans and leases to total assets | 71.6679% | 3,116 |
| Net loans and leases to deposits | 81.1233% | 4,180 |
| Net loans and leases to core deposits | 102.3132% | 4,126 |
| Total domestic deposits to total assets | 88.3445% | 1,497 |
| Equity capital to assets | 11.5561% | 2,544 |
| Core capital (leverage) ratio | 6.5110% | 7,672 |
| Tier 1 risk-based capital ratio | 8.7529% | 7,698 |
| Total risk-based capital ratio | 10.0284% | 7,723 |
| Memoranda: | ||
| Average total assets | $78,278,250 | 5,819 |
| Average earning assets | $69,913,000 | 5,849 |
| Average equity | $9,103,000 | 5,632 |
| Average total loans | $56,423,000 | 5,445 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0328% | 6,668 |
| Cost of funding earning assets | 1.7859% | 4,830 |
| Net interest margin | 3.2469% | 5,747 |
| Noninterest income to average assets | 0.4363% | 4,972 |
| Noninterest expense to average assets | 3.0242% | 3,995 |
| Loan and lease loss provision to assets | 0.7430% | 2,203 |
| Net operating income to assets | -0.4164% | 6,462 |
| Return on assets (ROA) | -0.4787% | 6,538 |
| Pretax return on assets | -0.4787% | 6,405 |
| Return on Equity (ROE) | -4.1086% | 6,492 |
| Retained earnings to average equity (ytd only) | -4.1086% | 6,159 |
| Net charge-offs to loans | 1.1753% | 1,555 |
| Credit loss provision to net charge-offs | 88.4273% | 4,968 |
| Earnings coverage of net charge-offs (x) | 0.3887% | 5,300 |
| Efficiency ratio | 90.2530% | 1,782 |
| Assets per employee ($millions) | 4.4934% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 4,542 |
| Loan loss allowance to noncurrent loans | 62.6201% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 3.1379% | 2,001 |
| Noncurrent loans to loans | 2.0113% | 3,501 |
| Net loans and leases to total assets | 73.5849% | 2,818 |
| Net loans and leases to deposits | 84.4971% | 3,796 |
| Net loans and leases to core deposits | 107.3734% | 3,681 |
| Total domestic deposits to total assets | 87.0857% | 2,211 |
| Equity capital to assets | 12.2467% | 2,059 |
| Core capital (leverage) ratio | 7.1566% | 7,400 |
| Tier 1 risk-based capital ratio | 10.0043% | 6,914 |
| Total risk-based capital ratio | 11.2555% | 6,850 |
| Memoranda: | ||
| Average total assets | $80,219,330 | 5,791 |
| Average earning assets | $72,007,330 | 5,825 |
| Average equity | $9,346,330 | 5,564 |
| Average total loans | $57,347,670 | 5,453 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0105% | 6,903 |
| Cost of funding earning assets | 1.7930% | 5,143 |
| Net interest margin | 3.2176% | 5,800 |
| Noninterest income to average assets | -0.0341% | 8,105 |
| Noninterest expense to average assets | 2.9171% | 4,097 |
| Loan and lease loss provision to assets | 0.3653% | 3,128 |
| Net operating income to assets | -0.4237% | 6,804 |
| Return on assets (ROA) | -0.5454% | 6,967 |
| Pretax return on assets | -0.5454% | 6,852 |
| Return on Equity (ROE) | -4.7955% | 6,965 |
| Retained earnings to average equity (ytd only) | -4.7955% | 6,531 |
| Net charge-offs to loans | 0.2919% | 2,945 |
| Credit loss provision to net charge-offs | 178.5714% | 2,429 |
| Earnings coverage of net charge-offs (x) | -0.2857% | 5,177 |
| Efficiency ratio | 102.0443% | 1,050 |
| Assets per employee ($millions) | 4.9192% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 3,716 |
| Loan loss allowance to noncurrent loans | 219.1667% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 1.5665% | 3,580 |
| Noncurrent loans to loans | 0.6221% | 5,846 |
| Net loans and leases to total assets | 68.2543% | 4,074 |
| Net loans and leases to deposits | 77.2612% | 5,045 |
| Net loans and leases to core deposits | 96.2628% | 4,935 |
| Total domestic deposits to total assets | 88.3423% | 1,555 |
| Equity capital to assets | 11.1555% | 2,847 |
| Core capital (leverage) ratio | 7.1295% | 7,535 |
| Tier 1 risk-based capital ratio | 9.9585% | 6,975 |
| Total risk-based capital ratio | 11.2110% | 6,873 |
| Memoranda: | ||
| Average total assets | $82,135,000 | 5,742 |
| Average earning assets | $73,844,500 | 5,778 |
| Average equity | $9,342,000 | 5,583 |
| Average total loans | $57,558,000 | 5,474 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3268% | 3,813 |
| Cost of funding earning assets | 2.2791% | 5,248 |
| Net interest margin | 4.0477% | 2,917 |
| Noninterest income to average assets | 0.8727% | 2,092 |
| Noninterest expense to average assets | 2.8745% | 4,529 |
| Loan and lease loss provision to assets | 0.4001% | 3,286 |
| Net operating income to assets | 1.2553% | 1,620 |
| Return on assets (ROA) | 1.3604% | 1,279 |
| Pretax return on assets | 1.3604% | 2,090 |
| Return on Equity (ROE) | 10.7975% | 1,970 |
| Retained earnings to average equity (ytd only) | -14.7573% | 7,445 |
| Net charge-offs to loans | 0.9304% | 1,328 |
| Credit loss provision to net charge-offs | 57.0410% | 6,266 |
| Earnings coverage of net charge-offs (x) | 2.3601% | 4,900 |
| Efficiency ratio | 63.4557% | 5,678 |
| Assets per employee ($millions) | 4.7437% | 2,257 |
| Cash dividends to net income (ytd only)* | 236.6728% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 3,651 |
| Loan loss allowance to noncurrent loans | 116.4869% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 2.8260% | 1,663 |
| Noncurrent loans to loans | 1.1337% | 4,277 |
| Net loans and leases to total assets | 70.0520% | 4,005 |
| Net loans and leases to deposits | 80.8623% | 4,897 |
| Net loans and leases to core deposits | 102.1315% | 4,592 |
| Total domestic deposits to total assets | 86.6312% | 2,129 |
| Equity capital to assets | 11.6005% | 2,572 |
| Core capital (leverage) ratio | 7.6618% | 6,981 |
| Tier 1 risk-based capital ratio | 9.8021% | 6,956 |
| Total risk-based capital ratio | 11.0518% | 6,848 |
| Memoranda: | ||
| Average total assets | $79,978,800 | 5,709 |
| Average earning assets | $72,263,800 | 5,731 |
| Average equity | $10,076,400 | 5,389 |
| Average total loans | $60,294,600 | 5,251 |