Home > Pinnacle Bank > Performance and Condition Ratios
Pinnacle Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3647% | 755 |
| Cost of funding earning assets | 1.1322% | 1,229 |
| Net interest margin | 4.2325% | 1,301 |
| Noninterest income to average assets | 0.7939% | 1,434 |
| Noninterest expense to average assets | 4.5478% | 289 |
| Loan and lease loss provision to assets | 0.0495% | 2,910 |
| Net operating income to assets | 0.4965% | 4,524 |
| Return on assets (ROA) | 0.4965% | 4,573 |
| Pretax return on assets | 0.2686% | 4,925 |
| Return on Equity (ROE) | 4.6011% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.6011% | 3,104 |
| Net charge-offs to loans | 0.2948% | 592 |
| Credit loss provision to net charge-offs | 22.9219% | 2,953 |
| Earnings coverage of net charge-offs (x) | 1.4736% | 3,285 |
| Efficiency ratio | 93.4622% | 247 |
| Assets per employee ($millions) | 4.3415% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 1,771 |
| Loan loss allowance to noncurrent loans | 122.9029% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 1,743 |
| Noncurrent loans to loans | 1.0980% | 1,447 |
| Net loans and leases to total assets | 70.8304% | 2,352 |
| Net loans and leases to deposits | 78.9158% | 3,016 |
| Net loans and leases to core deposits | 85.5047% | 2,950 |
| Total domestic deposits to total assets | 89.7545% | 353 |
| Equity capital to assets | 10.0029% | 4,018 |
| Core capital (leverage) ratio | 10.1333% | 3,489 |
| Tier 1 risk-based capital ratio | 14.5167% | 3,069 |
| Total risk-based capital ratio | 15.7686% | 2,994 |
| Memoranda: | ||
| Average total assets | $245,183,000 | 2,510 |
| Average earning assets | $235,882,000 | 2,451 |
| Average equity | $26,457,000 | 2,609 |
| Average total loans | $179,530,500 | 2,344 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 751 |
| Cost of funding earning assets | 1.1240% | 1,216 |
| Net interest margin | 4.2134% | 1,332 |
| Noninterest income to average assets | 0.7758% | 1,427 |
| Noninterest expense to average assets | 4.0399% | 509 |
| Loan and lease loss provision to assets | 0.0767% | 2,282 |
| Net operating income to assets | 0.5203% | 4,483 |
| Return on assets (ROA) | 0.5203% | 4,513 |
| Pretax return on assets | 0.7083% | 4,311 |
| Return on Equity (ROE) | 4.6918% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.6918% | 2,926 |
| Net charge-offs to loans | 0.4115% | 406 |
| Credit loss provision to net charge-offs | 25.2778% | 2,625 |
| Earnings coverage of net charge-offs (x) | 2.5861% | 2,927 |
| Efficiency ratio | 83.7295% | 673 |
| Assets per employee ($millions) | 4.2194% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,470 |
| Loan loss allowance to noncurrent loans | 68.4524% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.5322% | 726 |
| Noncurrent loans to loans | 2.0980% | 658 |
| Net loans and leases to total assets | 71.7045% | 2,251 |
| Net loans and leases to deposits | 80.3440% | 2,915 |
| Net loans and leases to core deposits | 87.5126% | 2,848 |
| Total domestic deposits to total assets | 89.2469% | 573 |
| Equity capital to assets | 10.5114% | 3,511 |
| Core capital (leverage) ratio | 11.0766% | 2,525 |
| Tier 1 risk-based capital ratio | 14.4719% | 3,079 |
| Total risk-based capital ratio | 15.7247% | 2,999 |
| Memoranda: | ||
| Average total assets | $237,187,000 | 2,571 |
| Average earning assets | $227,941,000 | 2,517 |
| Average equity | $26,301,000 | 2,615 |
| Average total loans | $174,953,000 | 2,404 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4294% | 589 |
| Cost of funding earning assets | 1.1645% | 1,002 |
| Net interest margin | 4.2649% | 1,160 |
| Noninterest income to average assets | 0.8813% | 1,080 |
| Noninterest expense to average assets | 4.1379% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6126% | 4,200 |
| Return on assets (ROA) | 0.6126% | 4,242 |
| Pretax return on assets | 0.8342% | 3,961 |
| Return on Equity (ROE) | 5.3698% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.3698% | 2,748 |
| Net charge-offs to loans | 0.6598% | 229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 1.7011% | 2,569 |
| Efficiency ratio | 83.2222% | 772 |
| Assets per employee ($millions) | 4.2216% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5196% | 1,275 |
| Loan loss allowance to noncurrent loans | 181.4611% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 0.7648% | 1,839 |
| Noncurrent loans to loans | 0.8374% | 1,962 |
| Net loans and leases to total assets | 72.1782% | 2,124 |
| Net loans and leases to deposits | 81.5708% | 2,654 |
| Net loans and leases to core deposits | 89.6429% | 2,537 |
| Total domestic deposits to total assets | 88.4854% | 1,096 |
| Equity capital to assets | 11.1373% | 2,716 |
| Core capital (leverage) ratio | 11.3577% | 2,238 |
| Tier 1 risk-based capital ratio | 15.4576% | 2,673 |
| Total risk-based capital ratio | 16.7113% | 2,582 |
| Memoranda: | ||
| Average total assets | $229,198,500 | 2,649 |
| Average earning assets | $219,838,500 | 2,589 |
| Average equity | $26,146,000 | 2,629 |
| Average total loans | $170,342,000 | 2,472 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 376 |
| Cost of funding earning assets | 0.9221% | 1,019 |
| Net interest margin | 4.6028% | 601 |
| Noninterest income to average assets | 1.3848% | 473 |
| Noninterest expense to average assets | 4.9230% | 215 |
| Loan and lease loss provision to assets | 0.4981% | 238 |
| Net operating income to assets | 0.2962% | 5,012 |
| Return on assets (ROA) | 0.2962% | 5,007 |
| Pretax return on assets | 0.3591% | 4,982 |
| Return on Equity (ROE) | 2.4232% | 4,987 |
| Retained earnings to average equity (ytd only) | 2.4232% | 4,175 |
| Net charge-offs to loans | 0.5949% | 286 |
| Credit loss provision to net charge-offs | 101.3566% | 2,483 |
| Earnings coverage of net charge-offs (x) | 1.7442% | 3,595 |
| Efficiency ratio | 85.1705% | 571 |
| Assets per employee ($millions) | 3.8273% | 4,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7406% | 774 |
| Loan loss allowance to noncurrent loans | 679.2541% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 3,856 |
| Noncurrent loans to loans | 0.2563% | 3,663 |
| Net loans and leases to total assets | 74.1037% | 1,921 |
| Net loans and leases to deposits | 84.2673% | 2,488 |
| Net loans and leases to core deposits | 92.6818% | 2,350 |
| Total domestic deposits to total assets | 87.9388% | 1,320 |
| Equity capital to assets | 11.6954% | 2,099 |
| Core capital (leverage) ratio | 11.5043% | 2,098 |
| Tier 1 risk-based capital ratio | 16.0909% | 2,377 |
| Total risk-based capital ratio | 17.3479% | 2,316 |
| Memoranda: | ||
| Average total assets | $209,995,200 | 2,765 |
| Average earning assets | $200,530,000 | 2,714 |
| Average equity | $25,668,200 | 2,594 |
| Average total loans | $173,469,800 | 2,403 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4829% | 377 |
| Cost of funding earning assets | 0.8663% | 1,046 |
| Net interest margin | 4.6166% | 576 |
| Noninterest income to average assets | 1.3919% | 490 |
| Noninterest expense to average assets | 5.0138% | 202 |
| Loan and lease loss provision to assets | 0.5063% | 220 |
| Net operating income to assets | 0.2499% | 5,155 |
| Return on assets (ROA) | 0.2499% | 5,147 |
| Pretax return on assets | 0.2795% | 5,155 |
| Return on Equity (ROE) | 2.0212% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.0212% | 4,576 |
| Net charge-offs to loans | 0.6637% | 214 |
| Credit loss provision to net charge-offs | 90.2411% | 2,420 |
| Earnings coverage of net charge-offs (x) | 1.4007% | 3,350 |
| Efficiency ratio | 86.4505% | 492 |
| Assets per employee ($millions) | 3.2240% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,073 |
| Loan loss allowance to noncurrent loans | 611.9565% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,004 |
| Noncurrent loans to loans | 0.2621% | 3,746 |
| Net loans and leases to total assets | 77.6398% | 1,395 |
| Net loans and leases to deposits | 88.3668% | 2,109 |
| Net loans and leases to core deposits | 99.1037% | 1,864 |
| Total domestic deposits to total assets | 87.8608% | 1,303 |
| Equity capital to assets | 11.5579% | 2,218 |
| Core capital (leverage) ratio | 11.7300% | 1,985 |
| Tier 1 risk-based capital ratio | 15.5700% | 2,617 |
| Total risk-based capital ratio | 16.8259% | 2,551 |
| Memoranda: | ||
| Average total assets | $206,997,750 | 2,820 |
| Average earning assets | $197,627,750 | 2,755 |
| Average equity | $25,594,750 | 2,609 |
| Average total loans | $174,984,000 | 2,389 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4833% | 325 |
| Cost of funding earning assets | 0.7755% | 1,253 |
| Net interest margin | 4.7078% | 427 |
| Noninterest income to average assets | 1.4486% | 454 |
| Noninterest expense to average assets | 4.9077% | 225 |
| Loan and lease loss provision to assets | 0.2418% | 644 |
| Net operating income to assets | 0.5915% | 4,518 |
| Return on assets (ROA) | 0.5915% | 4,521 |
| Pretax return on assets | 0.8046% | 4,231 |
| Return on Equity (ROE) | 4.6721% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.6721% | 3,250 |
| Net charge-offs to loans | 0.2231% | 718 |
| Credit loss provision to net charge-offs | 125.1282% | 1,759 |
| Earnings coverage of net charge-offs (x) | 5.4154% | 2,711 |
| Efficiency ratio | 82.4264% | 805 |
| Assets per employee ($millions) | 3.4685% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6874% | 922 |
| Loan loss allowance to noncurrent loans | 471.0863% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 3,581 |
| Noncurrent loans to loans | 0.3582% | 3,413 |
| Net loans and leases to total assets | 81.2085% | 825 |
| Net loans and leases to deposits | 92.9129% | 1,489 |
| Net loans and leases to core deposits | 104.1005% | 1,391 |
| Total domestic deposits to total assets | 87.4029% | 1,682 |
| Equity capital to assets | 12.2441% | 1,700 |
| Core capital (leverage) ratio | 12.5406% | 1,417 |
| Tier 1 risk-based capital ratio | 16.3289% | 2,321 |
| Total risk-based capital ratio | 17.5869% | 2,263 |
| Memoranda: | ||
| Average total assets | $201,846,000 | 2,884 |
| Average earning assets | $193,169,670 | 2,821 |
| Average equity | $25,556,000 | 2,626 |
| Average total loans | $174,803,000 | 2,399 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2636% | 436 |
| Cost of funding earning assets | 0.6688% | 1,611 |
| Net interest margin | 4.5948% | 506 |
| Noninterest income to average assets | 1.3626% | 503 |
| Noninterest expense to average assets | 4.7904% | 246 |
| Loan and lease loss provision to assets | 0.4955% | 212 |
| Net operating income to assets | 0.3452% | 5,015 |
| Return on assets (ROA) | 0.3452% | 5,020 |
| Pretax return on assets | 0.4711% | 4,916 |
| Return on Equity (ROE) | 2.6792% | 5,079 |
| Retained earnings to average equity (ytd only) | 2.6792% | 4,105 |
| Net charge-offs to loans | 0.4187% | 369 |
| Credit loss provision to net charge-offs | 133.3333% | 1,310 |
| Earnings coverage of net charge-offs (x) | 2.6011% | 2,447 |
| Efficiency ratio | 83.2099% | 850 |
| Assets per employee ($millions) | 3.5706% | 4,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6551% | 1,044 |
| Loan loss allowance to noncurrent loans | 253.9451% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 2,449 |
| Noncurrent loans to loans | 0.6518% | 2,594 |
| Net loans and leases to total assets | 86.4459% | 228 |
| Net loans and leases to deposits | 103.5868% | 502 |
| Net loans and leases to core deposits | 119.3648% | 605 |
| Total domestic deposits to total assets | 83.4526% | 3,527 |
| Equity capital to assets | 12.5144% | 1,477 |
| Core capital (leverage) ratio | 13.0893% | 1,144 |
| Tier 1 risk-based capital ratio | 15.3310% | 2,725 |
| Total risk-based capital ratio | 16.5880% | 2,663 |
| Memoranda: | ||
| Average total assets | $196,979,000 | 2,959 |
| Average earning assets | $188,386,500 | 2,900 |
| Average equity | $25,381,000 | 2,663 |
| Average total loans | $174,819,500 | 2,416 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 530 |
| Cost of funding earning assets | 0.5775% | 1,765 |
| Net interest margin | 4.5235% | 585 |
| Noninterest income to average assets | 2.1491% | 265 |
| Noninterest expense to average assets | 4.2154% | 411 |
| Loan and lease loss provision to assets | 0.6234% | 201 |
| Net operating income to assets | 1.0956% | 1,869 |
| Return on assets (ROA) | 1.0956% | 1,891 |
| Pretax return on assets | 1.6419% | 1,187 |
| Return on Equity (ROE) | 8.7819% | 2,410 |
| Retained earnings to average equity (ytd only) | 8.7819% | 545 |
| Net charge-offs to loans | 0.3055% | 840 |
| Credit loss provision to net charge-offs | 245.3441% | 1,126 |
| Earnings coverage of net charge-offs (x) | 8.9150% | 2,852 |
| Efficiency ratio | 65.0448% | 3,438 |
| Assets per employee ($millions) | 3.5931% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6985% | 950 |
| Loan loss allowance to noncurrent loans | 314.1928% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.4847% | 2,941 |
| Noncurrent loans to loans | 0.5406% | 2,877 |
| Net loans and leases to total assets | 88.1355% | 132 |
| Net loans and leases to deposits | 106.2958% | 390 |
| Net loans and leases to core deposits | 119.9116% | 582 |
| Total domestic deposits to total assets | 82.9153% | 3,591 |
| Equity capital to assets | 13.2813% | 1,137 |
| Core capital (leverage) ratio | 12.9115% | 1,175 |
| Tier 1 risk-based capital ratio | 15.9142% | 2,462 |
| Total risk-based capital ratio | 17.1717% | 2,403 |
| Memoranda: | ||
| Average total assets | $194,405,600 | 2,974 |
| Average earning assets | $186,161,200 | 2,906 |
| Average equity | $24,254,400 | 2,734 |
| Average total loans | $161,713,800 | 2,530 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 686 |
| Cost of funding earning assets | 0.5885% | 1,613 |
| Net interest margin | 4.3565% | 811 |
| Noninterest income to average assets | 2.1262% | 287 |
| Noninterest expense to average assets | 3.9808% | 530 |
| Loan and lease loss provision to assets | 0.5138% | 221 |
| Net operating income to assets | 1.2139% | 1,634 |
| Return on assets (ROA) | 1.2139% | 1,665 |
| Pretax return on assets | 1.8041% | 884 |
| Return on Equity (ROE) | 9.8851% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.8851% | 611 |
| Net charge-offs to loans | 0.2818% | 770 |
| Credit loss provision to net charge-offs | 223.4421% | 1,241 |
| Earnings coverage of net charge-offs (x) | 10.0802% | 2,631 |
| Efficiency ratio | 63.2001% | 3,681 |
| Assets per employee ($millions) | 4.1263% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 1,478 |
| Loan loss allowance to noncurrent loans | 274.3400% | 1,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4781% | 3,135 |
| Noncurrent loans to loans | 0.5523% | 3,041 |
| Net loans and leases to total assets | 85.2603% | 315 |
| Net loans and leases to deposits | 98.0605% | 909 |
| Net loans and leases to core deposits | 114.1692% | 830 |
| Total domestic deposits to total assets | 86.9466% | 1,887 |
| Equity capital to assets | 12.5858% | 1,613 |
| Core capital (leverage) ratio | 12.2788% | 1,525 |
| Tier 1 risk-based capital ratio | 16.0965% | 2,459 |
| Total risk-based capital ratio | 17.3522% | 2,401 |
| Memoranda: | ||
| Average total assets | $195,398,750 | 2,995 |
| Average earning assets | $187,148,000 | 2,918 |
| Average equity | $23,995,000 | 2,781 |
| Average total loans | $159,457,500 | 2,573 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 1,074 |
| Cost of funding earning assets | 0.5996% | 1,450 |
| Net interest margin | 4.0908% | 1,348 |
| Noninterest income to average assets | 2.3289% | 253 |
| Noninterest expense to average assets | 3.8353% | 642 |
| Loan and lease loss provision to assets | 0.5038% | 235 |
| Net operating income to assets | 1.1763% | 1,682 |
| Return on assets (ROA) | 1.1763% | 1,718 |
| Pretax return on assets | 1.9043% | 642 |
| Return on Equity (ROE) | 9.6605% | 2,188 |
| Retained earnings to average equity (ytd only) | 9.6605% | 655 |
| Net charge-offs to loans | -0.0425% | 5,100 |
| Credit loss provision to net charge-offs | -1,484.8485% | 4,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4295% | 4,099 |
| Assets per employee ($millions) | 4.3619% | 3,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6586% | 1,132 |
| Loan loss allowance to noncurrent loans | 166.9753% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 2,150 |
| Noncurrent loans to loans | 0.9933% | 1,978 |
| Net loans and leases to total assets | 81.7114% | 704 |
| Net loans and leases to deposits | 93.6862% | 1,293 |
| Net loans and leases to core deposits | 109.9708% | 1,004 |
| Total domestic deposits to total assets | 87.2181% | 1,847 |
| Equity capital to assets | 12.3702% | 1,687 |
| Core capital (leverage) ratio | 12.2570% | 1,498 |
| Tier 1 risk-based capital ratio | 15.7311% | 2,609 |
| Total risk-based capital ratio | 16.9886% | 2,542 |
| Memoranda: | ||
| Average total assets | $194,510,330 | 3,014 |
| Average earning assets | $186,124,000 | 2,947 |
| Average equity | $23,684,000 | 2,811 |
| Average total loans | $155,454,000 | 2,627 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 1,390 |
| Cost of funding earning assets | 0.6090% | 1,309 |
| Net interest margin | 3.8830% | 1,838 |
| Noninterest income to average assets | 2.0370% | 306 |
| Noninterest expense to average assets | 3.7000% | 781 |
| Loan and lease loss provision to assets | 0.2996% | 452 |
| Net operating income to assets | 1.0990% | 1,876 |
| Return on assets (ROA) | 1.0990% | 1,918 |
| Pretax return on assets | 1.7519% | 899 |
| Return on Equity (ROE) | 9.0997% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.0997% | 1,043 |
| Net charge-offs to loans | -0.0290% | 4,917 |
| Credit loss provision to net charge-offs | -1,318.1818% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3319% | 3,780 |
| Assets per employee ($millions) | 4.2896% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,723 |
| Loan loss allowance to noncurrent loans | 479.0984% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 4,197 |
| Noncurrent loans to loans | 0.3113% | 4,007 |
| Net loans and leases to total assets | 79.9885% | 831 |
| Net loans and leases to deposits | 91.7041% | 1,356 |
| Net loans and leases to core deposits | 108.1033% | 972 |
| Total domestic deposits to total assets | 87.2245% | 2,100 |
| Equity capital to assets | 12.2554% | 1,682 |
| Core capital (leverage) ratio | 12.0677% | 1,584 |
| Tier 1 risk-based capital ratio | 16.3643% | 2,409 |
| Total risk-based capital ratio | 17.6192% | 2,352 |
| Memoranda: | ||
| Average total assets | $193,622,500 | 3,052 |
| Average earning assets | $185,217,000 | 2,991 |
| Average equity | $23,385,500 | 2,852 |
| Average total loans | $151,634,500 | 2,678 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 1,671 |
| Cost of funding earning assets | 0.5952% | 1,374 |
| Net interest margin | 3.8595% | 2,102 |
| Noninterest income to average assets | 2.2189% | 295 |
| Noninterest expense to average assets | 3.7195% | 858 |
| Loan and lease loss provision to assets | 0.3100% | 606 |
| Net operating income to assets | 1.1565% | 1,666 |
| Return on assets (ROA) | 1.1565% | 1,759 |
| Pretax return on assets | 1.8972% | 627 |
| Return on Equity (ROE) | 9.4334% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.4334% | 509 |
| Net charge-offs to loans | 0.4670% | 539 |
| Credit loss provision to net charge-offs | 81.4706% | 2,954 |
| Earnings coverage of net charge-offs (x) | 5.8015% | 3,284 |
| Efficiency ratio | 62.7584% | 4,140 |
| Assets per employee ($millions) | 4.8553% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 1,712 |
| Loan loss allowance to noncurrent loans | 447.1311% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 4,302 |
| Noncurrent loans to loans | 0.3330% | 3,947 |
| Net loans and leases to total assets | 74.3233% | 1,793 |
| Net loans and leases to deposits | 84.9297% | 2,315 |
| Net loans and leases to core deposits | 102.8963% | 1,370 |
| Total domestic deposits to total assets | 87.5115% | 1,871 |
| Equity capital to assets | 11.9015% | 1,875 |
| Core capital (leverage) ratio | 11.8390% | 1,699 |
| Tier 1 risk-based capital ratio | 15.9884% | 2,551 |
| Total risk-based capital ratio | 17.2424% | 2,483 |
| Memoranda: | ||
| Average total assets | $178,734,200 | 3,177 |
| Average earning assets | $171,708,000 | 3,091 |
| Average equity | $21,911,400 | 2,989 |
| Average total loans | $145,623,400 | 2,701 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4856% | 1,588 |
| Cost of funding earning assets | 0.5775% | 1,502 |
| Net interest margin | 3.9082% | 1,948 |
| Noninterest income to average assets | 1.8391% | 397 |
| Noninterest expense to average assets | 3.6934% | 858 |
| Loan and lease loss provision to assets | 0.3683% | 421 |
| Net operating income to assets | 0.9333% | 2,735 |
| Return on assets (ROA) | 0.9333% | 2,861 |
| Pretax return on assets | 1.5341% | 1,594 |
| Return on Equity (ROE) | 7.5516% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.5516% | 1,377 |
| Net charge-offs to loans | 0.5695% | 369 |
| Credit loss provision to net charge-offs | 77.7778% | 2,694 |
| Earnings coverage of net charge-offs (x) | 4.0177% | 3,323 |
| Efficiency ratio | 66.0035% | 3,594 |
| Assets per employee ($millions) | 4.6411% | 2,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 1,991 |
| Loan loss allowance to noncurrent loans | 124.0709% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 2,206 |
| Noncurrent loans to loans | 1.1654% | 1,926 |
| Net loans and leases to total assets | 79.6729% | 935 |
| Net loans and leases to deposits | 90.9722% | 1,636 |
| Net loans and leases to core deposits | 109.8707% | 924 |
| Total domestic deposits to total assets | 87.5795% | 1,624 |
| Equity capital to assets | 11.9912% | 2,123 |
| Core capital (leverage) ratio | 12.0757% | 1,620 |
| Tier 1 risk-based capital ratio | 15.0382% | 3,036 |
| Total risk-based capital ratio | 16.2913% | 2,968 |
| Memoranda: | ||
| Average total assets | $174,865,000 | 3,234 |
| Average earning assets | $168,087,750 | 3,152 |
| Average equity | $21,610,750 | 3,037 |
| Average total loans | $145,397,750 | 2,703 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5586% | 1,362 |
| Cost of funding earning assets | 0.5476% | 1,715 |
| Net interest margin | 4.0110% | 1,610 |
| Noninterest income to average assets | 2.1463% | 314 |
| Noninterest expense to average assets | 3.7683% | 805 |
| Loan and lease loss provision to assets | 0.5640% | 210 |
| Net operating income to assets | 1.0124% | 2,334 |
| Return on assets (ROA) | 1.0124% | 2,471 |
| Pretax return on assets | 1.6629% | 1,189 |
| Return on Equity (ROE) | 8.1051% | 2,935 |
| Retained earnings to average equity (ytd only) | 8.1051% | 1,142 |
| Net charge-offs to loans | 0.8704% | 225 |
| Credit loss provision to net charge-offs | 77.1565% | 2,395 |
| Earnings coverage of net charge-offs (x) | 3.0463% | 3,173 |
| Efficiency ratio | 62.8555% | 4,197 |
| Assets per employee ($millions) | 4.3993% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,949 |
| Loan loss allowance to noncurrent loans | 122.6629% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 0.9785% | 2,190 |
| Noncurrent loans to loans | 1.2052% | 1,912 |
| Net loans and leases to total assets | 79.9926% | 903 |
| Net loans and leases to deposits | 91.3913% | 1,585 |
| Net loans and leases to core deposits | 110.1194% | 929 |
| Total domestic deposits to total assets | 87.5275% | 1,658 |
| Equity capital to assets | 12.1382% | 2,023 |
| Core capital (leverage) ratio | 12.4852% | 1,360 |
| Tier 1 risk-based capital ratio | 15.1305% | 3,019 |
| Total risk-based capital ratio | 16.3838% | 2,946 |
| Memoranda: | ||
| Average total assets | $171,272,000 | 3,294 |
| Average earning assets | $164,347,670 | 3,216 |
| Average equity | $21,394,000 | 3,062 |
| Average total loans | $143,837,670 | 2,724 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6862% | 1,076 |
| Cost of funding earning assets | 0.4784% | 2,294 |
| Net interest margin | 4.2078% | 1,082 |
| Noninterest income to average assets | 1.4707% | 516 |
| Noninterest expense to average assets | 3.7860% | 792 |
| Loan and lease loss provision to assets | 0.6478% | 168 |
| Net operating income to assets | 0.6454% | 3,997 |
| Return on assets (ROA) | 0.6454% | 4,118 |
| Pretax return on assets | 1.0676% | 3,210 |
| Return on Equity (ROE) | 5.0889% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.0889% | 2,881 |
| Net charge-offs to loans | 0.2834% | 744 |
| Credit loss provision to net charge-offs | 267.3267% | 912 |
| Earnings coverage of net charge-offs (x) | 7.0792% | 2,177 |
| Efficiency ratio | 68.8181% | 3,327 |
| Assets per employee ($millions) | 3.9549% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7194% | 1,311 |
| Loan loss allowance to noncurrent loans | 241.1879% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5902% | 3,291 |
| Noncurrent loans to loans | 0.7129% | 3,055 |
| Net loans and leases to total assets | 81.3622% | 642 |
| Net loans and leases to deposits | 92.9175% | 1,235 |
| Net loans and leases to core deposits | 109.7593% | 864 |
| Total domestic deposits to total assets | 87.5639% | 1,884 |
| Equity capital to assets | 12.2333% | 1,872 |
| Core capital (leverage) ratio | 13.2830% | 1,059 |
| Tier 1 risk-based capital ratio | 14.9621% | 3,180 |
| Total risk-based capital ratio | 16.2182% | 3,107 |
| Memoranda: | ||
| Average total assets | $166,721,500 | 3,372 |
| Average earning assets | $159,704,000 | 3,289 |
| Average equity | $21,144,000 | 3,091 |
| Average total loans | $142,531,500 | 2,743 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 1,069 |
| Cost of funding earning assets | 0.4937% | 2,212 |
| Net interest margin | 4.2251% | 1,113 |
| Noninterest income to average assets | 2.0016% | 359 |
| Noninterest expense to average assets | 4.3135% | 478 |
| Loan and lease loss provision to assets | 0.2838% | 634 |
| Net operating income to assets | 0.8858% | 2,950 |
| Return on assets (ROA) | 0.8858% | 3,035 |
| Pretax return on assets | 1.4553% | 1,695 |
| Return on Equity (ROE) | 6.4649% | 3,800 |
| Retained earnings to average equity (ytd only) | 2.8357% | 4,054 |
| Net charge-offs to loans | -0.0875% | 5,739 |
| Credit loss provision to net charge-offs | -378.7611% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2674% | 3,022 |
| Assets per employee ($millions) | 3.4658% | 4,884 |
| Cash dividends to net income (ytd only)* | 56.1377% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6369% | 1,503 |
| Loan loss allowance to noncurrent loans | 209.2475% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.6919% | 2,972 |
| Noncurrent loans to loans | 0.7823% | 2,828 |
| Net loans and leases to total assets | 86.9958% | 167 |
| Net loans and leases to deposits | 100.7416% | 628 |
| Net loans and leases to core deposits | 115.7066% | 610 |
| Total domestic deposits to total assets | 86.3554% | 2,458 |
| Equity capital to assets | 13.1723% | 1,272 |
| Core capital (leverage) ratio | 13.0785% | 1,117 |
| Tier 1 risk-based capital ratio | 14.2914% | 3,554 |
| Total risk-based capital ratio | 15.5455% | 3,468 |
| Memoranda: | ||
| Average total assets | $150,827,200 | 3,558 |
| Average earning assets | $144,611,200 | 3,479 |
| Average equity | $20,665,400 | 3,109 |
| Average total loans | $129,104,200 | 2,896 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5131% | 1,559 |
| Cost of funding earning assets | 0.4898% | 2,320 |
| Net interest margin | 4.0232% | 1,630 |
| Noninterest income to average assets | 1.9361% | 378 |
| Noninterest expense to average assets | 4.1736% | 546 |
| Loan and lease loss provision to assets | 0.2072% | 951 |
| Net operating income to assets | 0.8573% | 3,137 |
| Return on assets (ROA) | 0.8573% | 3,227 |
| Pretax return on assets | 1.4151% | 1,951 |
| Return on Equity (ROE) | 6.1930% | 4,059 |
| Retained earnings to average equity (ytd only) | 1.3345% | 5,186 |
| Net charge-offs to loans | -0.1194% | 5,851 |
| Credit loss provision to net charge-offs | -204.4248% | 5,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0099% | 2,879 |
| Assets per employee ($millions) | 3.5686% | 4,674 |
| Cash dividends to net income (ytd only)* | 78.4526% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 2,071 |
| Loan loss allowance to noncurrent loans | 152.0893% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 2,715 |
| Noncurrent loans to loans | 0.9991% | 2,487 |
| Net loans and leases to total assets | 85.1939% | 286 |
| Net loans and leases to deposits | 98.0977% | 811 |
| Net loans and leases to core deposits | 112.4350% | 735 |
| Total domestic deposits to total assets | 86.8459% | 2,118 |
| Equity capital to assets | 12.8197% | 1,549 |
| Core capital (leverage) ratio | 13.8644% | 897 |
| Tier 1 risk-based capital ratio | 14.2038% | 3,722 |
| Total risk-based capital ratio | 15.4567% | 3,657 |
| Memoranda: | ||
| Average total assets | $148,677,500 | 3,620 |
| Average earning assets | $142,634,250 | 3,537 |
| Average equity | $20,581,750 | 3,143 |
| Average total loans | $126,129,750 | 2,973 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4828% | 1,586 |
| Cost of funding earning assets | 0.5018% | 2,237 |
| Net interest margin | 3.9810% | 1,696 |
| Noninterest income to average assets | 2.0994% | 348 |
| Noninterest expense to average assets | 4.1988% | 543 |
| Loan and lease loss provision to assets | 0.2488% | 707 |
| Net operating income to assets | 0.8901% | 2,935 |
| Return on assets (ROA) | 0.8901% | 3,057 |
| Pretax return on assets | 1.4678% | 1,739 |
| Return on Equity (ROE) | 6.2585% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.2585% | 2,085 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9813% | 3,158 |
| Assets per employee ($millions) | 3.4829% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5063% | 2,275 |
| Loan loss allowance to noncurrent loans | 345.8259% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 4,386 |
| Noncurrent loans to loans | 0.4356% | 4,175 |
| Net loans and leases to total assets | 85.0066% | 293 |
| Net loans and leases to deposits | 99.1928% | 711 |
| Net loans and leases to core deposits | 114.2192% | 656 |
| Total domestic deposits to total assets | 85.6984% | 2,840 |
| Equity capital to assets | 14.0125% | 978 |
| Core capital (leverage) ratio | 14.3297% | 752 |
| Tier 1 risk-based capital ratio | 15.4129% | 3,156 |
| Total risk-based capital ratio | 16.6656% | 3,088 |
| Memoranda: | ||
| Average total assets | $144,707,000 | 3,711 |
| Average earning assets | $138,708,330 | 3,619 |
| Average equity | $20,580,000 | 3,153 |
| Average total loans | $121,865,330 | 3,057 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 1,474 |
| Cost of funding earning assets | 0.4907% | 2,373 |
| Net interest margin | 4.0052% | 1,536 |
| Noninterest income to average assets | 1.9328% | 375 |
| Noninterest expense to average assets | 4.1104% | 612 |
| Loan and lease loss provision to assets | 0.5064% | 205 |
| Net operating income to assets | 0.6949% | 3,826 |
| Return on assets (ROA) | 0.6949% | 3,952 |
| Pretax return on assets | 1.1507% | 2,866 |
| Return on Equity (ROE) | 4.8486% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.8486% | 3,148 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2683% | 3,289 |
| Assets per employee ($millions) | 3.5606% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 2,076 |
| Loan loss allowance to noncurrent loans | 337.4350% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 4,446 |
| Noncurrent loans to loans | 0.4721% | 4,165 |
| Net loans and leases to total assets | 82.3900% | 421 |
| Net loans and leases to deposits | 96.1508% | 821 |
| Net loans and leases to core deposits | 110.5457% | 721 |
| Total domestic deposits to total assets | 85.6883% | 3,103 |
| Equity capital to assets | 14.0556% | 968 |
| Core capital (leverage) ratio | 14.6254% | 666 |
| Tier 1 risk-based capital ratio | 16.1434% | 2,853 |
| Total risk-based capital ratio | 17.3967% | 2,790 |
| Memoranda: | ||
| Average total assets | $142,177,500 | 3,773 |
| Average earning assets | $136,124,500 | 3,686 |
| Average equity | $20,377,000 | 3,191 |
| Average total loans | $118,169,000 | 3,121 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4575% | 2,039 |
| Cost of funding earning assets | 0.3707% | 4,033 |
| Net interest margin | 4.0868% | 1,622 |
| Noninterest income to average assets | 2.6157% | 226 |
| Noninterest expense to average assets | 4.1102% | 677 |
| Loan and lease loss provision to assets | 0.2650% | 833 |
| Net operating income to assets | 1.3227% | 1,259 |
| Return on assets (ROA) | 1.3227% | 1,298 |
| Pretax return on assets | 2.1562% | 354 |
| Return on Equity (ROE) | 8.7927% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.7927% | 748 |
| Net charge-offs to loans | -0.0247% | 5,748 |
| Credit loss provision to net charge-offs | -1,352.0000% | 5,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9292% | 4,765 |
| Assets per employee ($millions) | 3.9534% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 2,261 |
| Loan loss allowance to noncurrent loans | 300.5102% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4249% | 4,403 |
| Noncurrent loans to loans | 0.5153% | 4,123 |
| Net loans and leases to total assets | 81.1932% | 611 |
| Net loans and leases to deposits | 100.0160% | 621 |
| Net loans and leases to core deposits | 113.3079% | 633 |
| Total domestic deposits to total assets | 81.1802% | 4,687 |
| Equity capital to assets | 14.6238% | 776 |
| Core capital (leverage) ratio | 15.6974% | 502 |
| Tier 1 risk-based capital ratio | 18.5414% | 1,980 |
| Total risk-based capital ratio | 19.7958% | 1,948 |
| Memoranda: | ||
| Average total assets | $127,537,600 | 4,028 |
| Average earning assets | $122,197,800 | 3,915 |
| Average equity | $19,186,400 | 3,262 |
| Average total loans | $101,295,000 | 3,393 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3990% | 2,226 |
| Cost of funding earning assets | 0.3593% | 4,240 |
| Net interest margin | 4.0397% | 1,752 |
| Noninterest income to average assets | 2.2569% | 285 |
| Noninterest expense to average assets | 4.0759% | 704 |
| Loan and lease loss provision to assets | 0.2328% | 944 |
| Net operating income to assets | 1.1130% | 1,977 |
| Return on assets (ROA) | 1.1130% | 2,042 |
| Pretax return on assets | 1.8147% | 865 |
| Return on Equity (ROE) | 7.3414% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.3414% | 1,652 |
| Net charge-offs to loans | -0.0340% | 5,785 |
| Credit loss provision to net charge-offs | -872.0000% | 5,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5620% | 4,124 |
| Assets per employee ($millions) | 3.7849% | 4,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 2,651 |
| Loan loss allowance to noncurrent loans | 271.3344% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 4,381 |
| Noncurrent loans to loans | 0.5568% | 4,249 |
| Net loans and leases to total assets | 88.6458% | 87 |
| Net loans and leases to deposits | 106.3261% | 316 |
| Net loans and leases to core deposits | 112.4781% | 639 |
| Total domestic deposits to total assets | 83.3716% | 4,008 |
| Equity capital to assets | 16.1520% | 539 |
| Core capital (leverage) ratio | 16.2043% | 453 |
| Tier 1 risk-based capital ratio | 18.6242% | 2,008 |
| Total risk-based capital ratio | 19.8780% | 1,973 |
| Memoranda: | ||
| Average total assets | $124,829,500 | 4,123 |
| Average earning assets | $119,479,250 | 4,005 |
| Average equity | $18,924,250 | 3,313 |
| Average total loans | $98,090,250 | 3,490 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2701% | 2,699 |
| Cost of funding earning assets | 0.3611% | 4,310 |
| Net interest margin | 3.9090% | 2,123 |
| Noninterest income to average assets | 2.0529% | 330 |
| Noninterest expense to average assets | 4.0772% | 699 |
| Loan and lease loss provision to assets | 0.2745% | 748 |
| Net operating income to assets | 0.8852% | 2,887 |
| Return on assets (ROA) | 0.8852% | 2,974 |
| Pretax return on assets | 1.4453% | 1,730 |
| Return on Equity (ROE) | 5.9643% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.9643% | 2,344 |
| Net charge-offs to loans | -0.0529% | 5,905 |
| Credit loss provision to net charge-offs | -692.0000% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3339% | 3,603 |
| Assets per employee ($millions) | 5.0215% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 2,587 |
| Loan loss allowance to noncurrent loans | 255.9105% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 4,807 |
| Noncurrent loans to loans | 0.6129% | 4,187 |
| Net loans and leases to total assets | 64.5864% | 2,986 |
| Net loans and leases to deposits | 73.9018% | 3,329 |
| Net loans and leases to core deposits | 77.4998% | 3,495 |
| Total domestic deposits to total assets | 87.3948% | 2,250 |
| Equity capital to assets | 12.2564% | 1,807 |
| Core capital (leverage) ratio | 16.3390% | 431 |
| Tier 1 risk-based capital ratio | 19.3199% | 1,848 |
| Total risk-based capital ratio | 20.5746% | 1,806 |
| Memoranda: | ||
| Average total assets | $126,066,670 | 4,115 |
| Average earning assets | $120,747,330 | 3,990 |
| Average equity | $18,711,330 | 3,323 |
| Average total loans | $94,449,330 | 3,580 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9407% | 802 |
| Cost of funding earning assets | 0.4272% | 3,673 |
| Net interest margin | 4.5135% | 640 |
| Noninterest income to average assets | 1.8370% | 388 |
| Noninterest expense to average assets | 4.6015% | 409 |
| Loan and lease loss provision to assets | 0.0719% | 2,701 |
| Net operating income to assets | 0.8915% | 2,694 |
| Return on assets (ROA) | 0.8915% | 2,761 |
| Pretax return on assets | 1.4560% | 1,568 |
| Return on Equity (ROE) | 5.3542% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.3542% | 2,885 |
| Net charge-offs to loans | -0.1104% | 6,153 |
| Credit loss provision to net charge-offs | -80.0000% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0733% | 2,958 |
| Assets per employee ($millions) | 3.6785% | 4,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5648% | 2,860 |
| Loan loss allowance to noncurrent loans | 193.4579% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 4,150 |
| Noncurrent loans to loans | 0.8088% | 3,858 |
| Net loans and leases to total assets | 79.9356% | 557 |
| Net loans and leases to deposits | 95.9788% | 659 |
| Net loans and leases to core deposits | 102.8026% | 937 |
| Total domestic deposits to total assets | 83.2847% | 4,505 |
| Equity capital to assets | 16.3917% | 475 |
| Core capital (leverage) ratio | 16.4120% | 430 |
| Tier 1 risk-based capital ratio | 21.6757% | 1,344 |
| Total risk-based capital ratio | 22.9315% | 1,322 |
| Memoranda: | ||
| Average total assets | $111,267,000 | 4,460 |
| Average earning assets | $105,815,000 | 4,368 |
| Average equity | $18,527,500 | 3,349 |
| Average total loans | $90,603,500 | 3,689 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 3,114 |
| Cost of funding earning assets | 0.4861% | 3,755 |
| Net interest margin | 3.7730% | 2,750 |
| Noninterest income to average assets | 2.8705% | 238 |
| Noninterest expense to average assets | 4.3101% | 627 |
| Loan and lease loss provision to assets | 0.0385% | 4,345 |
| Net operating income to assets | 1.2739% | 1,319 |
| Return on assets (ROA) | 1.2739% | 1,376 |
| Pretax return on assets | 2.1045% | 378 |
| Return on Equity (ROE) | 7.5406% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.5406% | 1,217 |
| Net charge-offs to loans | 0.1633% | 3,181 |
| Credit loss provision to net charge-offs | 28.7770% | 4,274 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,832 |
| Efficiency ratio | 66.7911% | 4,407 |
| Assets per employee ($millions) | 3.8750% | 4,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 2,820 |
| Loan loss allowance to noncurrent loans | 135.6522% | 2,879 |
| Noncurrent assets plus other real estate owned to assets | 0.9539% | 3,512 |
| Noncurrent loans to loans | 1.1681% | 3,199 |
| Net loans and leases to total assets | 80.3688% | 561 |
| Net loans and leases to deposits | 97.2748% | 642 |
| Net loans and leases to core deposits | 104.4636% | 877 |
| Total domestic deposits to total assets | 82.6204% | 4,671 |
| Equity capital to assets | 16.9243% | 399 |
| Core capital (leverage) ratio | 16.5963% | 408 |
| Tier 1 risk-based capital ratio | 22.2801% | 1,208 |
| Total risk-based capital ratio | 23.5358% | 1,183 |
| Memoranda: | ||
| Average total assets | $103,779,000 | 4,653 |
| Average earning assets | $98,541,800 | 4,551 |
| Average equity | $17,531,800 | 3,492 |
| Average total loans | $85,132,200 | 3,794 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 3,547 |
| Cost of funding earning assets | 0.4851% | 3,912 |
| Net interest margin | 3.6704% | 3,148 |
| Noninterest income to average assets | 2.5276% | 288 |
| Noninterest expense to average assets | 4.3729% | 592 |
| Loan and lease loss provision to assets | 0.0520% | 3,986 |
| Net operating income to assets | 0.9617% | 2,535 |
| Return on assets (ROA) | 0.9617% | 2,637 |
| Pretax return on assets | 1.5932% | 1,350 |
| Return on Equity (ROE) | 5.6952% | 4,349 |
| Retained earnings to average equity (ytd only) | 5.6952% | 2,603 |
| Net charge-offs to loans | 0.1740% | 2,832 |
| Credit loss provision to net charge-offs | 36.3636% | 3,778 |
| Earnings coverage of net charge-offs (x) | 11.5093% | 2,236 |
| Efficiency ratio | 72.6625% | 3,290 |
| Assets per employee ($millions) | 4.1977% | 3,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 3,064 |
| Loan loss allowance to noncurrent loans | 129.4756% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9758% | 3,708 |
| Noncurrent loans to loans | 1.2251% | 3,357 |
| Net loans and leases to total assets | 78.3894% | 709 |
| Net loans and leases to deposits | 93.3491% | 875 |
| Net loans and leases to core deposits | 97.7834% | 1,256 |
| Total domestic deposits to total assets | 83.9745% | 4,195 |
| Equity capital to assets | 15.6496% | 606 |
| Core capital (leverage) ratio | 16.5118% | 431 |
| Tier 1 risk-based capital ratio | 20.4102% | 1,621 |
| Total risk-based capital ratio | 21.6652% | 1,595 |
| Memoranda: | ||
| Average total assets | $102,598,500 | 4,724 |
| Average earning assets | $97,571,250 | 4,627 |
| Average equity | $17,324,000 | 3,558 |
| Average total loans | $84,264,000 | 3,853 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 3,753 |
| Cost of funding earning assets | 0.4918% | 3,972 |
| Net interest margin | 3.6026% | 3,347 |
| Noninterest income to average assets | 2.5591% | 309 |
| Noninterest expense to average assets | 4.2699% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0543% | 2,099 |
| Return on assets (ROA) | 1.0543% | 2,215 |
| Pretax return on assets | 1.7067% | 1,100 |
| Return on Equity (ROE) | 6.0746% | 4,126 |
| Retained earnings to average equity (ytd only) | 6.0746% | 2,388 |
| Net charge-offs to loans | 0.2674% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.6818% | 2,515 |
| Efficiency ratio | 71.4431% | 3,566 |
| Assets per employee ($millions) | 3.6659% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6800% | 2,854 |
| Loan loss allowance to noncurrent loans | 121.8914% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 1.1126% | 3,506 |
| Noncurrent loans to loans | 1.3783% | 3,242 |
| Net loans and leases to total assets | 79.3640% | 599 |
| Net loans and leases to deposits | 95.9043% | 682 |
| Net loans and leases to core deposits | 101.0206% | 1,002 |
| Total domestic deposits to total assets | 82.7533% | 4,797 |
| Equity capital to assets | 17.0245% | 412 |
| Core capital (leverage) ratio | 17.4347% | 328 |
| Tier 1 risk-based capital ratio | 21.2705% | 1,430 |
| Total risk-based capital ratio | 22.5266% | 1,400 |
| Memoranda: | ||
| Average total assets | $99,018,670 | 4,844 |
| Average earning assets | $93,933,330 | 4,757 |
| Average equity | $17,186,330 | 3,597 |
| Average total loans | $82,259,670 | 3,921 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 4,046 |
| Cost of funding earning assets | 0.4914% | 4,164 |
| Net interest margin | 3.5265% | 3,590 |
| Noninterest income to average assets | 2.9134% | 263 |
| Noninterest expense to average assets | 4.2261% | 686 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3250% | 1,217 |
| Return on assets (ROA) | 1.3250% | 1,318 |
| Pretax return on assets | 2.0246% | 570 |
| Return on Equity (ROE) | 7.5578% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.5578% | 1,916 |
| Net charge-offs to loans | -0.0146% | 5,581 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6103% | 4,387 |
| Assets per employee ($millions) | 3.6972% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9201% | 2,247 |
| Loan loss allowance to noncurrent loans | 112.3134% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 3,181 |
| Noncurrent loans to loans | 1.7096% | 2,982 |
| Net loans and leases to total assets | 79.9723% | 428 |
| Net loans and leases to deposits | 97.6067% | 466 |
| Net loans and leases to core deposits | 102.8772% | 779 |
| Total domestic deposits to total assets | 81.9333% | 5,215 |
| Equity capital to assets | 17.9252% | 343 |
| Core capital (leverage) ratio | 17.6791% | 307 |
| Tier 1 risk-based capital ratio | 22.7721% | 1,193 |
| Total risk-based capital ratio | 24.0314% | 1,170 |
| Memoranda: | ||
| Average total assets | $97,205,000 | 4,920 |
| Average earning assets | $91,988,000 | 4,842 |
| Average equity | $17,042,000 | 3,665 |
| Average total loans | $81,961,500 | 3,961 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1355% | 4,821 |
| Cost of funding earning assets | 0.5418% | 4,888 |
| Net interest margin | 3.5937% | 4,111 |
| Noninterest income to average assets | 2.6127% | 298 |
| Noninterest expense to average assets | 4.6165% | 510 |
| Loan and lease loss provision to assets | 0.0092% | 5,804 |
| Net operating income to assets | 3.1801% | 91 |
| Return on assets (ROA) | 3.1801% | 92 |
| Pretax return on assets | 1.4364% | 1,915 |
| Return on Equity (ROE) | 18.3550% | 414 |
| Retained earnings to average equity (ytd only) | 18.3550% | 77 |
| Net charge-offs to loans | 0.3774% | 2,746 |
| Credit loss provision to net charge-offs | 3.1496% | 5,464 |
| Earnings coverage of net charge-offs (x) | 4.9252% | 3,204 |
| Efficiency ratio | 76.1533% | 2,717 |
| Assets per employee ($millions) | 4.0951% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 2,738 |
| Loan loss allowance to noncurrent loans | 109.7953% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 1.3919% | 3,312 |
| Noncurrent loans to loans | 1.5992% | 3,227 |
| Net loans and leases to total assets | 85.5092% | 149 |
| Net loans and leases to deposits | 103.9712% | 265 |
| Net loans and leases to core deposits | 109.8259% | 544 |
| Total domestic deposits to total assets | 82.2431% | 5,012 |
| Equity capital to assets | 17.1474% | 393 |
| Core capital (leverage) ratio | 17.2355% | 331 |
| Tier 1 risk-based capital ratio | 21.5121% | 1,359 |
| Total risk-based capital ratio | 22.7718% | 1,327 |
| Memoranda: | ||
| Average total assets | $86,538,000 | 5,175 |
| Average earning assets | $83,061,600 | 5,042 |
| Average equity | $14,993,200 | 3,970 |
| Average total loans | $67,297,400 | 4,447 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0459% | 5,373 |
| Cost of funding earning assets | 0.5574% | 5,021 |
| Net interest margin | 3.4885% | 4,686 |
| Noninterest income to average assets | 2.6203% | 301 |
| Noninterest expense to average assets | 4.4623% | 565 |
| Loan and lease loss provision to assets | 0.0128% | 5,657 |
| Net operating income to assets | 1.5087% | 1,003 |
| Return on assets (ROA) | 1.5087% | 1,115 |
| Pretax return on assets | 1.5087% | 1,849 |
| Return on Equity (ROE) | 8.6817% | 2,961 |
| Retained earnings to average equity (ytd only) | 8.6817% | 1,353 |
| Net charge-offs to loans | -0.2317% | 7,016 |
| Credit loss provision to net charge-offs | -7.3394% | 6,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5736% | 2,895 |
| Assets per employee ($millions) | 3.9714% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6742% | 1,007 |
| Loan loss allowance to noncurrent loans | 70.1504% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.7908% | 1,881 |
| Noncurrent loans to loans | 3.8121% | 1,384 |
| Net loans and leases to total assets | 71.2516% | 1,687 |
| Net loans and leases to deposits | 84.9176% | 1,743 |
| Net loans and leases to core deposits | 90.3025% | 1,952 |
| Total domestic deposits to total assets | 83.9067% | 4,269 |
| Equity capital to assets | 15.6904% | 666 |
| Core capital (leverage) ratio | 15.6445% | 520 |
| Tier 1 risk-based capital ratio | 24.0635% | 1,013 |
| Total risk-based capital ratio | 25.3363% | 990 |
| Memoranda: | ||
| Average total assets | $83,601,750 | 5,306 |
| Average earning assets | $80,605,500 | 5,161 |
| Average equity | $14,528,250 | 4,097 |
| Average total loans | $62,736,000 | 4,649 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2215% | 4,876 |
| Cost of funding earning assets | 0.5606% | 5,222 |
| Net interest margin | 3.6609% | 3,987 |
| Noninterest income to average assets | 3.1619% | 229 |
| Noninterest expense to average assets | 4.8232% | 422 |
| Loan and lease loss provision to assets | 0.0201% | 5,415 |
| Net operating income to assets | 1.8420% | 524 |
| Return on assets (ROA) | 1.8420% | 590 |
| Pretax return on assets | 1.8420% | 958 |
| Return on Equity (ROE) | 10.2044% | 2,275 |
| Retained earnings to average equity (ytd only) | 10.2044% | 918 |
| Net charge-offs to loans | -0.0994% | 6,858 |
| Credit loss provision to net charge-offs | -26.6667% | 5,959 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1471% | 3,412 |
| Assets per employee ($millions) | 3.6603% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8468% | 900 |
| Loan loss allowance to noncurrent loans | 66.1607% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 3.5574% | 1,493 |
| Noncurrent loans to loans | 4.3028% | 1,253 |
| Net loans and leases to total assets | 69.4238% | 2,022 |
| Net loans and leases to deposits | 83.8457% | 1,874 |
| Net loans and leases to core deposits | 89.3777% | 2,048 |
| Total domestic deposits to total assets | 82.7994% | 4,825 |
| Equity capital to assets | 16.7498% | 478 |
| Core capital (leverage) ratio | 18.0193% | 288 |
| Tier 1 risk-based capital ratio | 26.6129% | 759 |
| Total risk-based capital ratio | 27.8880% | 748 |
| Memoranda: | ||
| Average total assets | $79,698,000 | 5,441 |
| Average earning assets | $76,703,330 | 5,307 |
| Average equity | $14,386,000 | 4,113 |
| Average total loans | $60,388,670 | 4,777 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 3,887 |
| Cost of funding earning assets | 0.5652% | 5,391 |
| Net interest margin | 3.9396% | 2,765 |
| Noninterest income to average assets | 3.9670% | 173 |
| Noninterest expense to average assets | 4.7075% | 456 |
| Loan and lease loss provision to assets | 0.0423% | 4,865 |
| Net operating income to assets | 3.0149% | 104 |
| Return on assets (ROA) | 3.0149% | 123 |
| Pretax return on assets | 3.0149% | 183 |
| Return on Equity (ROE) | 16.0315% | 804 |
| Retained earnings to average equity (ytd only) | 16.0315% | 367 |
| Net charge-offs to loans | -1.3312% | 7,234 |
| Credit loss provision to net charge-offs | -4.0609% | 5,334 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6267% | 5,523 |
| Assets per employee ($millions) | 4.0094% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2439% | 655 |
| Loan loss allowance to noncurrent loans | 106.3146% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 2.5278% | 2,347 |
| Noncurrent loans to loans | 3.0512% | 2,111 |
| Net loans and leases to total assets | 72.6464% | 1,285 |
| Net loans and leases to deposits | 88.9590% | 1,064 |
| Net loans and leases to core deposits | 93.7025% | 1,490 |
| Total domestic deposits to total assets | 81.6629% | 5,404 |
| Equity capital to assets | 18.1077% | 330 |
| Core capital (leverage) ratio | 19.1645% | 238 |
| Tier 1 risk-based capital ratio | 27.2738% | 705 |
| Total risk-based capital ratio | 28.5529% | 685 |
| Memoranda: | ||
| Average total assets | $75,624,000 | 5,603 |
| Average earning assets | $72,900,000 | 5,469 |
| Average equity | $14,222,000 | 4,157 |
| Average total loans | $59,196,500 | 4,849 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9204% | 6,582 |
| Cost of funding earning assets | 0.5574% | 6,300 |
| Net interest margin | 3.3630% | 5,603 |
| Noninterest income to average assets | 0.6482% | 2,899 |
| Noninterest expense to average assets | 3.4558% | 2,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4473% | 4,662 |
| Return on assets (ROA) | 0.4359% | 4,913 |
| Pretax return on assets | 0.4359% | 5,185 |
| Return on Equity (ROE) | 2.5433% | 5,465 |
| Retained earnings to average equity (ytd only) | 2.5433% | 4,418 |
| Net charge-offs to loans | -0.1298% | 7,168 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5400% | 1,315 |
| Assets per employee ($millions) | 4.1801% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0041% | 811 |
| Loan loss allowance to noncurrent loans | 80.1100% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 3.3380% | 1,775 |
| Noncurrent loans to loans | 3.7500% | 1,679 |
| Net loans and leases to total assets | 79.4233% | 551 |
| Net loans and leases to deposits | 99.8956% | 460 |
| Net loans and leases to core deposits | 105.5290% | 816 |
| Total domestic deposits to total assets | 79.5063% | 5,866 |
| Equity capital to assets | 19.5944% | 251 |
| Core capital (leverage) ratio | 19.4905% | 217 |
| Tier 1 risk-based capital ratio | 28.1549% | 614 |
| Total risk-based capital ratio | 29.4328% | 601 |
| Memoranda: | ||
| Average total assets | $79,143,200 | 5,476 |
| Average earning assets | $76,599,000 | 5,324 |
| Average equity | $13,565,200 | 4,224 |
| Average total loans | $53,150,000 | 5,146 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8405% | 6,794 |
| Cost of funding earning assets | 0.5658% | 6,445 |
| Net interest margin | 3.2747% | 5,935 |
| Noninterest income to average assets | 0.4271% | 4,461 |
| Noninterest expense to average assets | 3.2986% | 2,497 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3039% | 5,382 |
| Return on assets (ROA) | 0.2891% | 5,605 |
| Pretax return on assets | 0.2891% | 5,725 |
| Return on Equity (ROE) | 1.7414% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.7414% | 5,273 |
| Net charge-offs to loans | -0.1336% | 7,210 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5641% | 1,062 |
| Assets per employee ($millions) | 3.7290% | 4,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2744% | 675 |
| Loan loss allowance to noncurrent loans | 130.8390% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 2.0408% | 3,094 |
| Noncurrent loans to loans | 2.5026% | 2,767 |
| Net loans and leases to total assets | 68.5622% | 2,364 |
| Net loans and leases to deposits | 84.2666% | 1,962 |
| Net loans and leases to core deposits | 87.5325% | 2,557 |
| Total domestic deposits to total assets | 81.3634% | 5,308 |
| Equity capital to assets | 18.4140% | 353 |
| Core capital (leverage) ratio | 17.5611% | 362 |
| Tier 1 risk-based capital ratio | 30.3990% | 515 |
| Total risk-based capital ratio | 31.6809% | 504 |
| Memoranda: | ||
| Average total assets | $81,163,750 | 5,469 |
| Average earning assets | $78,703,000 | 5,309 |
| Average equity | $13,475,500 | 4,247 |
| Average total loans | $51,890,750 | 5,233 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6879% | 7,026 |
| Cost of funding earning assets | 0.5731% | 6,571 |
| Net interest margin | 3.1148% | 6,374 |
| Noninterest income to average assets | 0.3887% | 4,769 |
| Noninterest expense to average assets | 3.2030% | 2,886 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2111% | 5,703 |
| Return on assets (ROA) | 0.1895% | 5,887 |
| Pretax return on assets | 0.1895% | 5,953 |
| Return on Equity (ROE) | 1.1800% | 6,038 |
| Retained earnings to average equity (ytd only) | 1.1800% | 5,388 |
| Net charge-offs to loans | -0.1357% | 7,230 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8159% | 988 |
| Assets per employee ($millions) | 4.1750% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0534% | 852 |
| Loan loss allowance to noncurrent loans | 120.8745% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 2.0384% | 3,184 |
| Noncurrent loans to loans | 2.5261% | 2,861 |
| Net loans and leases to total assets | 68.6051% | 2,496 |
| Net loans and leases to deposits | 83.0082% | 2,274 |
| Net loans and leases to core deposits | 87.0207% | 2,755 |
| Total domestic deposits to total assets | 82.6486% | 4,929 |
| Equity capital to assets | 17.1283% | 472 |
| Core capital (leverage) ratio | 16.6652% | 436 |
| Tier 1 risk-based capital ratio | 28.0109% | 655 |
| Total risk-based capital ratio | 29.2893% | 645 |
| Memoranda: | ||
| Average total assets | $83,358,670 | 5,445 |
| Average earning assets | $80,967,670 | 5,290 |
| Average equity | $13,389,670 | 4,257 |
| Average total loans | $51,566,330 | 5,299 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4010% | 7,265 |
| Cost of funding earning assets | 0.5869% | 6,660 |
| Net interest margin | 2.8141% | 6,883 |
| Noninterest income to average assets | 0.3561% | 5,054 |
| Noninterest expense to average assets | 3.0454% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0515% | 6,230 |
| Return on assets (ROA) | 0.0515% | 6,270 |
| Pretax return on assets | 0.0515% | 6,262 |
| Return on Equity (ROE) | 0.3311% | 6,296 |
| Retained earnings to average equity (ytd only) | 0.3311% | 5,677 |
| Net charge-offs to loans | -0.1380% | 7,175 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3359% | 818 |
| Assets per employee ($millions) | 5.1424% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2199% | 761 |
| Loan loss allowance to noncurrent loans | 116.2440% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 1.8966% | 3,441 |
| Noncurrent loans to loans | 2.7700% | 2,731 |
| Net loans and leases to total assets | 58.3109% | 4,591 |
| Net loans and leases to deposits | 68.8242% | 4,550 |
| Net loans and leases to core deposits | 71.7446% | 4,822 |
| Total domestic deposits to total assets | 84.7245% | 4,163 |
| Equity capital to assets | 15.2092% | 721 |
| Core capital (leverage) ratio | 15.9489% | 509 |
| Tier 1 risk-based capital ratio | 28.2885% | 618 |
| Total risk-based capital ratio | 29.5678% | 604 |
| Memoranda: | ||
| Average total assets | $85,375,500 | 5,428 |
| Average earning assets | $83,153,000 | 5,268 |
| Average equity | $13,291,000 | 4,270 |
| Average total loans | $49,282,000 | 5,429 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 6,914 |
| Cost of funding earning assets | 0.7346% | 6,780 |
| Net interest margin | 3.4696% | 5,365 |
| Noninterest income to average assets | 0.8856% | 1,907 |
| Noninterest expense to average assets | 3.7375% | 1,610 |
| Loan and lease loss provision to assets | 0.2306% | 4,973 |
| Net operating income to assets | 0.2447% | 5,121 |
| Return on assets (ROA) | 0.4315% | 4,552 |
| Pretax return on assets | 0.4315% | 4,846 |
| Return on Equity (ROE) | 2.7697% | 5,052 |
| Retained earnings to average equity (ytd only) | 2.7697% | 3,916 |
| Net charge-offs to loans | 0.1100% | 5,773 |
| Credit loss provision to net charge-offs | 332.6531% | 775 |
| Earnings coverage of net charge-offs (x) | 6.8571% | 2,255 |
| Efficiency ratio | 88.7173% | 1,421 |
| Assets per employee ($millions) | 5.2081% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6586% | 522 |
| Loan loss allowance to noncurrent loans | 117.8246% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0017% | 3,344 |
| Noncurrent loans to loans | 3.1051% | 2,458 |
| Net loans and leases to total assets | 53.0577% | 5,771 |
| Net loans and leases to deposits | 63.2681% | 5,712 |
| Net loans and leases to core deposits | 65.8755% | 5,888 |
| Total domestic deposits to total assets | 83.8618% | 4,415 |
| Equity capital to assets | 15.9438% | 591 |
| Core capital (leverage) ratio | 18.4061% | 307 |
| Tier 1 risk-based capital ratio | 30.6508% | 483 |
| Total risk-based capital ratio | 31.9330% | 473 |
| Memoranda: | ||
| Average total assets | $70,689,200 | 5,862 |
| Average earning assets | $67,788,400 | 5,744 |
| Average equity | $11,012,000 | 4,861 |
| Average total loans | $44,557,000 | 5,722 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3381% | 6,912 |
| Cost of funding earning assets | 0.7185% | 7,013 |
| Net interest margin | 3.6195% | 4,790 |
| Noninterest income to average assets | 1.0030% | 1,458 |
| Noninterest expense to average assets | 3.9232% | 1,172 |
| Loan and lease loss provision to assets | 0.3218% | 4,013 |
| Net operating income to assets | 0.2093% | 5,484 |
| Return on assets (ROA) | 0.4482% | 4,738 |
| Pretax return on assets | 0.4482% | 5,076 |
| Return on Equity (ROE) | 2.8981% | 5,266 |
| Retained earnings to average equity (ytd only) | 2.8981% | 4,396 |
| Net charge-offs to loans | 0.2020% | 4,732 |
| Credit loss provision to net charge-offs | 243.2836% | 1,385 |
| Earnings coverage of net charge-offs (x) | 4.0150% | 3,215 |
| Efficiency ratio | 88.0762% | 1,443 |
| Assets per employee ($millions) | 4.6551% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6068% | 497 |
| Loan loss allowance to noncurrent loans | 76.3678% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 3.0555% | 2,370 |
| Noncurrent loans to loans | 4.7229% | 1,504 |
| Net loans and leases to total assets | 56.0946% | 5,538 |
| Net loans and leases to deposits | 67.6847% | 5,467 |
| Net loans and leases to core deposits | 70.6526% | 5,686 |
| Total domestic deposits to total assets | 82.8763% | 4,642 |
| Equity capital to assets | 16.9405% | 524 |
| Core capital (leverage) ratio | 19.3951% | 273 |
| Tier 1 risk-based capital ratio | 32.0287% | 435 |
| Total risk-based capital ratio | 33.3126% | 425 |
| Memoranda: | ||
| Average total assets | $67,529,000 | 6,013 |
| Average earning assets | $64,389,750 | 5,908 |
| Average equity | $10,443,500 | 5,073 |
| Average total loans | $44,223,250 | 5,819 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5460% | 6,603 |
| Cost of funding earning assets | 0.7001% | 7,193 |
| Net interest margin | 3.8459% | 3,685 |
| Noninterest income to average assets | 1.1216% | 1,041 |
| Noninterest expense to average assets | 4.0559% | 976 |
| Loan and lease loss provision to assets | 0.1822% | 5,046 |
| Net operating income to assets | 0.5938% | 3,905 |
| Return on assets (ROA) | 0.5938% | 4,042 |
| Pretax return on assets | 0.5938% | 4,582 |
| Return on Equity (ROE) | 3.9975% | 4,777 |
| Retained earnings to average equity (ytd only) | 3.9975% | 3,535 |
| Net charge-offs to loans | 0.0229% | 6,016 |
| Credit loss provision to net charge-offs | 1,160.0000% | 332 |
| Earnings coverage of net charge-offs (x) | 49.4000% | 598 |
| Efficiency ratio | 83.9402% | 1,926 |
| Assets per employee ($millions) | 4.1046% | 3,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5683% | 521 |
| Loan loss allowance to noncurrent loans | 82.5932% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 3.6499% | 1,920 |
| Noncurrent loans to loans | 4.3203% | 1,719 |
| Net loans and leases to total assets | 66.5814% | 3,715 |
| Net loans and leases to deposits | 83.2575% | 3,023 |
| Net loans and leases to core deposits | 86.9909% | 3,698 |
| Total domestic deposits to total assets | 79.9705% | 5,739 |
| Equity capital to assets | 19.8590% | 289 |
| Core capital (leverage) ratio | 19.9362% | 250 |
| Tier 1 risk-based capital ratio | 29.6164% | 533 |
| Total risk-based capital ratio | 30.8957% | 514 |
| Memoranda: | ||
| Average total assets | $63,660,000 | 6,187 |
| Average earning assets | $61,416,000 | 6,046 |
| Average equity | $9,456,000 | 5,355 |
| Average total loans | $43,613,670 | 5,883 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 6,876 |
| Cost of funding earning assets | 0.7250% | 7,281 |
| Net interest margin | 3.7369% | 4,067 |
| Noninterest income to average assets | 1.5195% | 522 |
| Noninterest expense to average assets | 4.2903% | 730 |
| Loan and lease loss provision to assets | 0.0894% | 5,744 |
| Net operating income to assets | 0.7597% | 3,161 |
| Return on assets (ROA) | 0.7597% | 3,270 |
| Pretax return on assets | 0.7597% | 4,027 |
| Return on Equity (ROE) | 6.2117% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.2117% | 2,519 |
| Net charge-offs to loans | -0.2339% | 7,702 |
| Credit loss provision to net charge-offs | -56.0000% | 6,020 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4783% | 2,074 |
| Assets per employee ($millions) | 4.0532% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7435% | 454 |
| Loan loss allowance to noncurrent loans | 77.2268% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 4.1366% | 1,653 |
| Noncurrent loans to loans | 4.8474% | 1,513 |
| Net loans and leases to total assets | 67.8378% | 3,428 |
| Net loans and leases to deposits | 78.8182% | 3,879 |
| Net loans and leases to core deposits | 82.3513% | 4,434 |
| Total domestic deposits to total assets | 86.0686% | 3,120 |
| Equity capital to assets | 13.6912% | 1,246 |
| Core capital (leverage) ratio | 12.8592% | 1,266 |
| Tier 1 risk-based capital ratio | 19.6193% | 1,600 |
| Total risk-based capital ratio | 20.9001% | 1,560 |
| Memoranda: | ||
| Average total assets | $62,653,500 | 6,280 |
| Average earning assets | $60,692,000 | 6,145 |
| Average equity | $7,663,000 | 5,955 |
| Average total loans | $42,748,500 | 5,994 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8673% | 7,743 |
| Cost of funding earning assets | 1.0325% | 7,141 |
| Net interest margin | 2.8348% | 6,999 |
| Noninterest income to average assets | 0.5437% | 4,082 |
| Noninterest expense to average assets | 4.2542% | 1,034 |
| Loan and lease loss provision to assets | 3.8491% | 371 |
| Net operating income to assets | -4.8656% | 7,726 |
| Return on assets (ROA) | -4.8656% | 7,725 |
| Pretax return on assets | -4.8656% | 7,685 |
| Return on Equity (ROE) | -36.7035% | 7,519 |
| Retained earnings to average equity (ytd only) | -36.7035% | 7,505 |
| Net charge-offs to loans | 5.4935% | 206 |
| Credit loss provision to net charge-offs | 115.0023% | 4,750 |
| Earnings coverage of net charge-offs (x) | -0.3037% | 6,552 |
| Efficiency ratio | 131.3987% | 462 |
| Assets per employee ($millions) | 4.0318% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6695% | 459 |
| Loan loss allowance to noncurrent loans | 46.1244% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 5.9387% | 953 |
| Noncurrent loans to loans | 7.9556% | 638 |
| Net loans and leases to total assets | 63.6872% | 4,657 |
| Net loans and leases to deposits | 71.6098% | 5,383 |
| Net loans and leases to core deposits | 79.4462% | 6,149 |
| Total domestic deposits to total assets | 88.9364% | 1,508 |
| Equity capital to assets | 10.8543% | 2,816 |
| Core capital (leverage) ratio | 10.9336% | 2,265 |
| Tier 1 risk-based capital ratio | 16.3462% | 2,377 |
| Total risk-based capital ratio | 17.6265% | 2,315 |
| Memoranda: | ||
| Average total assets | $64,924,800 | 6,166 |
| Average earning assets | $61,696,400 | 6,067 |
| Average equity | $8,606,800 | 5,730 |
| Average total loans | $39,555,800 | 6,137 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7133% | 7,890 |
| Cost of funding earning assets | 1.0656% | 7,253 |
| Net interest margin | 2.6477% | 7,295 |
| Noninterest income to average assets | 0.5167% | 4,348 |
| Noninterest expense to average assets | 4.0637% | 1,194 |
| Loan and lease loss provision to assets | 5.5277% | 133 |
| Net operating income to assets | -6.5733% | 7,958 |
| Return on assets (ROA) | -6.5733% | 7,958 |
| Pretax return on assets | -6.5733% | 7,943 |
| Return on Equity (ROE) | -47.4529% | 7,812 |
| Retained earnings to average equity (ytd only) | -47.4529% | 7,808 |
| Net charge-offs to loans | 5.9648% | 151 |
| Credit loss provision to net charge-offs | 155.3890% | 3,075 |
| Earnings coverage of net charge-offs (x) | -0.2939% | 6,353 |
| Efficiency ratio | 134.6467% | 426 |
| Assets per employee ($millions) | 4.4448% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2030% | 121 |
| Loan loss allowance to noncurrent loans | 57.1726% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 5.9382% | 913 |
| Noncurrent loans to loans | 9.1006% | 486 |
| Net loans and leases to total assets | 53.0465% | 6,493 |
| Net loans and leases to deposits | 58.7176% | 6,916 |
| Net loans and leases to core deposits | 65.6410% | 7,175 |
| Total domestic deposits to total assets | 90.3417% | 648 |
| Equity capital to assets | 9.4267% | 4,845 |
| Core capital (leverage) ratio | 11.1007% | 2,334 |
| Tier 1 risk-based capital ratio | 15.8261% | 2,695 |
| Total risk-based capital ratio | 17.1219% | 2,607 |
| Memoranda: | ||
| Average total assets | $65,028,750 | 6,208 |
| Average earning assets | $61,434,750 | 6,126 |
| Average equity | $9,008,000 | 5,658 |
| Average total loans | $38,782,500 | 6,208 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8912% | 7,945 |
| Cost of funding earning assets | 1.1911% | 7,129 |
| Net interest margin | 2.7001% | 7,197 |
| Noninterest income to average assets | 0.4974% | 4,466 |
| Noninterest expense to average assets | 4.3207% | 924 |
| Loan and lease loss provision to assets | 3.6347% | 377 |
| Net operating income to assets | -4.9449% | 7,925 |
| Return on assets (ROA) | -4.9449% | 7,922 |
| Pretax return on assets | -4.9449% | 7,851 |
| Return on Equity (ROE) | -31.5680% | 7,737 |
| Retained earnings to average equity (ytd only) | -31.5680% | 7,713 |
| Net charge-offs to loans | 6.2846% | 160 |
| Credit loss provision to net charge-offs | 94.5854% | 4,787 |
| Earnings coverage of net charge-offs (x) | -0.3409% | 5,987 |
| Efficiency ratio | 143.5205% | 402 |
| Assets per employee ($millions) | 5.1294% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2054% | 484 |
| Loan loss allowance to noncurrent loans | 134.9024% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 2.1250% | 3,025 |
| Noncurrent loans to loans | 2.3761% | 3,039 |
| Net loans and leases to total assets | 43.2338% | 7,378 |
| Net loans and leases to deposits | 55.4710% | 7,194 |
| Net loans and leases to core deposits | 60.8120% | 7,423 |
| Total domestic deposits to total assets | 77.9396% | 6,089 |
| Equity capital to assets | 10.5788% | 3,312 |
| Core capital (leverage) ratio | 14.5398% | 1,013 |
| Tier 1 risk-based capital ratio | 19.5734% | 1,659 |
| Total risk-based capital ratio | 20.8407% | 1,620 |
| Memoranda: | ||
| Average total assets | $61,517,670 | 6,395 |
| Average earning assets | $57,258,000 | 6,342 |
| Average equity | $9,636,330 | 5,479 |
| Average total loans | $37,615,670 | 6,314 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 7,230 |
| Cost of funding earning assets | 1.4582% | 6,549 |
| Net interest margin | 3.4167% | 5,072 |
| Noninterest income to average assets | 0.4450% | 4,833 |
| Noninterest expense to average assets | 4.7696% | 565 |
| Loan and lease loss provision to assets | 0.6245% | 2,021 |
| Net operating income to assets | -1.8032% | 7,604 |
| Return on assets (ROA) | -1.8032% | 7,607 |
| Pretax return on assets | -1.8032% | 7,473 |
| Return on Equity (ROE) | -9.1363% | 7,309 |
| Retained earnings to average equity (ytd only) | -9.1363% | 7,027 |
| Net charge-offs to loans | 2.4150% | 597 |
| Credit loss provision to net charge-offs | 34.7826% | 4,889 |
| Earnings coverage of net charge-offs (x) | -0.6565% | 5,295 |
| Efficiency ratio | 132.8261% | 480 |
| Assets per employee ($millions) | 3.4295% | 4,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8902% | 536 |
| Loan loss allowance to noncurrent loans | 177.6509% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 2.7049% | 2,103 |
| Noncurrent loans to loans | 1.6269% | 3,836 |
| Net loans and leases to total assets | 62.7605% | 5,196 |
| Net loans and leases to deposits | 80.6000% | 4,524 |
| Net loans and leases to core deposits | 92.1895% | 5,327 |
| Total domestic deposits to total assets | 77.8666% | 6,058 |
| Equity capital to assets | 17.1850% | 703 |
| Core capital (leverage) ratio | 18.5187% | 498 |
| Tier 1 risk-based capital ratio | 24.3351% | 1,042 |
| Total risk-based capital ratio | 25.6030% | 1,017 |
| Memoranda: | ||
| Average total assets | $51,241,500 | 6,808 |
| Average earning assets | $47,180,500 | 6,786 |
| Average equity | $10,113,500 | 5,352 |
| Average total loans | $38,095,000 | 6,328 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0442% | 5,333 |
| Cost of funding earning assets | 1.6340% | 7,375 |
| Net interest margin | 4.4102% | 1,663 |
| Noninterest income to average assets | 0.0802% | 7,741 |
| Noninterest expense to average assets | 5.7406% | 453 |
| Loan and lease loss provision to assets | 2.0284% | 588 |
| Net operating income to assets | -3.4131% | 7,894 |
| Return on assets (ROA) | -3.4131% | 7,880 |
| Pretax return on assets | -3.4131% | 7,794 |
| Return on Equity (ROE) | -14.0072% | 7,541 |
| Retained earnings to average equity (ytd only) | -14.0072% | 7,402 |
| Net charge-offs to loans | 0.5045% | 2,341 |
| Credit loss provision to net charge-offs | 500.5348% | 868 |
| Earnings coverage of net charge-offs (x) | -3.4171% | 6,789 |
| Efficiency ratio | 131.7910% | 450 |
| Assets per employee ($millions) | 2.9455% | 6,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2173% | 361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1819% | 2,243 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 84.3601% | 828 |
| Net loans and leases to deposits | 111.0277% | 765 |
| Net loans and leases to core deposits | 124.3561% | 2,299 |
| Total domestic deposits to total assets | 75.9812% | 6,243 |
| Equity capital to assets | 23.1044% | 312 |
| Core capital (leverage) ratio | 20.4612% | 408 |
| Tier 1 risk-based capital ratio | 25.5453% | 945 |
| Total risk-based capital ratio | 26.8261% | 915 |
| Memoranda: | ||
| Average total assets | $46,145,200 | 6,931 |
| Average earning assets | $44,737,000 | 6,827 |
| Average equity | $11,244,200 | 5,051 |
| Average total loans | $37,067,200 | 6,313 |