Home > Sabal Palm Bank > Performance and Condition Ratios
Sabal Palm Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7342% | 2,023 |
| Cost of funding earning assets | 0.1367% | 4,098 |
| Net interest margin | 3.5975% | 1,476 |
| Noninterest income to average assets | 0.4414% | 2,849 |
| Noninterest expense to average assets | 2.9014% | 1,149 |
| Loan and lease loss provision to assets | -0.1895% | 4,682 |
| Net operating income to assets | 0.8669% | 3,145 |
| Return on assets (ROA) | 0.8600% | 3,224 |
| Pretax return on assets | 1.1771% | 2,743 |
| Return on Equity (ROE) | 11.2086% | 2,095 |
| Retained earnings to average equity (ytd only) | 11.2086% | 668 |
| Net charge-offs to loans | -0.0007% | 3,256 |
| Credit loss provision to net charge-offs | 38,250.0000% | 20 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4391% | 1,257 |
| Assets per employee ($millions) | 10.9383% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 3,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.6225% | 2,412 |
| Net loans and leases to deposits | 62.0484% | 2,876 |
| Net loans and leases to core deposits | 62.8700% | 3,087 |
| Total domestic deposits to total assets | 92.8670% | 58 |
| Equity capital to assets | 7.0679% | 4,708 |
| Core capital (leverage) ratio | 7.4309% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2212% | 1,768 |
| Memoranda: | ||
| Average total assets | $403,704,000 | 1,975 |
| Average earning assets | $387,850,200 | 1,942 |
| Average equity | $30,976,200 | 2,474 |
| Average total loans | $270,173,000 | 1,835 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 1,849 |
| Cost of funding earning assets | 0.1486% | 4,117 |
| Net interest margin | 3.7227% | 1,288 |
| Noninterest income to average assets | 0.4643% | 2,778 |
| Noninterest expense to average assets | 2.1300% | 3,277 |
| Loan and lease loss provision to assets | -0.3083% | 4,826 |
| Net operating income to assets | 1.6597% | 904 |
| Return on assets (ROA) | 1.6600% | 947 |
| Pretax return on assets | 2.2178% | 527 |
| Return on Equity (ROE) | 21.1866% | 345 |
| Retained earnings to average equity (ytd only) | 21.1866% | 99 |
| Net charge-offs to loans | -0.0005% | 3,081 |
| Credit loss provision to net charge-offs | 92,000.0000% | 4 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7329% | 3,951 |
| Assets per employee ($millions) | 9.8948% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 3,732 |
| Loan loss allowance to noncurrent loans | 18,778.5714% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 4,248 |
| Noncurrent loans to loans | 0.0055% | 4,173 |
| Net loans and leases to total assets | 59.1964% | 2,352 |
| Net loans and leases to deposits | 64.7244% | 2,763 |
| Net loans and leases to core deposits | 65.6665% | 2,982 |
| Total domestic deposits to total assets | 91.4592% | 244 |
| Equity capital to assets | 8.0536% | 4,494 |
| Core capital (leverage) ratio | 8.7258% | 3,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7285% | 1,416 |
| Memoranda: | ||
| Average total assets | $397,982,000 | 2,015 |
| Average earning assets | $382,186,500 | 1,980 |
| Average equity | $31,182,500 | 2,487 |
| Average total loans | $275,566,750 | 1,845 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8680% | 1,906 |
| Cost of funding earning assets | 0.1668% | 4,074 |
| Net interest margin | 3.7013% | 1,348 |
| Noninterest income to average assets | 0.4491% | 2,848 |
| Noninterest expense to average assets | 2.1203% | 3,331 |
| Loan and lease loss provision to assets | -0.5041% | 4,907 |
| Net operating income to assets | 1.7953% | 726 |
| Return on assets (ROA) | 1.7957% | 762 |
| Pretax return on assets | 2.3842% | 421 |
| Return on Equity (ROE) | 23.1540% | 252 |
| Retained earnings to average equity (ytd only) | 23.1540% | 90 |
| Net charge-offs to loans | -0.0007% | 3,056 |
| Credit loss provision to net charge-offs | 98,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0093% | 3,932 |
| Assets per employee ($millions) | 9.1595% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 4,015 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 65.3974% | 1,767 |
| Net loans and leases to deposits | 71.4129% | 2,265 |
| Net loans and leases to core deposits | 72.7892% | 2,540 |
| Total domestic deposits to total assets | 91.5764% | 221 |
| Equity capital to assets | 7.9721% | 4,550 |
| Core capital (leverage) ratio | 8.1674% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $388,817,667 | 2,043 |
| Average earning assets | $373,005,333 | 2,006 |
| Average equity | $30,154,667 | 2,540 |
| Average total loans | $282,590,667 | 1,820 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7142% | 2,329 |
| Cost of funding earning assets | 0.1932% | 3,975 |
| Net interest margin | 3.5210% | 1,773 |
| Noninterest income to average assets | 0.4359% | 2,893 |
| Noninterest expense to average assets | 2.2262% | 3,022 |
| Loan and lease loss provision to assets | 0.0212% | 2,503 |
| Net operating income to assets | 1.1807% | 2,228 |
| Return on assets (ROA) | 1.1815% | 2,295 |
| Pretax return on assets | 1.5718% | 1,795 |
| Return on Equity (ROE) | 15.4709% | 1,122 |
| Retained earnings to average equity (ytd only) | 15.4709% | 579 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3056% | 3,263 |
| Assets per employee ($millions) | 9.0855% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 72.7946% | 925 |
| Net loans and leases to deposits | 79.1282% | 1,602 |
| Net loans and leases to core deposits | 80.6360% | 1,945 |
| Total domestic deposits to total assets | 91.9957% | 148 |
| Equity capital to assets | 7.5562% | 4,690 |
| Core capital (leverage) ratio | 8.0806% | 4,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $377,138,000 | 2,074 |
| Average earning assets | $362,282,500 | 2,037 |
| Average equity | $28,802,500 | 2,631 |
| Average total loans | $287,825,000 | 1,798 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7176% | 865 |
| Cost of funding earning assets | 0.4764% | 3,109 |
| Net interest margin | 4.2412% | 574 |
| Noninterest income to average assets | 0.3956% | 3,114 |
| Noninterest expense to average assets | 2.4844% | 2,895 |
| Loan and lease loss provision to assets | 0.2770% | 1,382 |
| Net operating income to assets | 1.2691% | 1,339 |
| Return on assets (ROA) | 1.2760% | 1,418 |
| Pretax return on assets | 1.6981% | 855 |
| Return on Equity (ROE) | 15.9473% | 511 |
| Retained earnings to average equity (ytd only) | 13.1426% | 232 |
| Net charge-offs to loans | -0.0883% | 4,785 |
| Credit loss provision to net charge-offs | -405.5300% | 3,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8204% | 4,005 |
| Assets per employee ($millions) | 8.4408% | 905 |
| Cash dividends to net income (ytd only)* | 17.5876% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 78.2844% | 582 |
| Net loans and leases to deposits | 88.8647% | 1,013 |
| Net loans and leases to core deposits | 91.6845% | 1,409 |
| Total domestic deposits to total assets | 88.0938% | 1,429 |
| Equity capital to assets | 7.7283% | 4,796 |
| Core capital (leverage) ratio | 8.3530% | 4,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $317,707,600 | 2,202 |
| Average earning assets | $303,754,800 | 2,156 |
| Average equity | $25,421,200 | 2,772 |
| Average total loans | $245,627,200 | 1,939 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 907 |
| Cost of funding earning assets | 0.5315% | 3,040 |
| Net interest margin | 4.2506% | 655 |
| Noninterest income to average assets | 0.3544% | 3,332 |
| Noninterest expense to average assets | 2.4677% | 2,941 |
| Loan and lease loss provision to assets | 0.3802% | 963 |
| Net operating income to assets | 1.1539% | 1,808 |
| Return on assets (ROA) | 1.1634% | 1,888 |
| Pretax return on assets | 1.5688% | 1,277 |
| Return on Equity (ROE) | 14.3990% | 811 |
| Retained earnings to average equity (ytd only) | 14.3990% | 229 |
| Net charge-offs to loans | -0.0608% | 4,723 |
| Credit loss provision to net charge-offs | -814.8148% | 3,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0243% | 3,917 |
| Assets per employee ($millions) | 9.5598% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 2,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 74.6013% | 1,295 |
| Net loans and leases to deposits | 90.0487% | 1,261 |
| Net loans and leases to core deposits | 92.9342% | 1,715 |
| Total domestic deposits to total assets | 82.8455% | 3,182 |
| Equity capital to assets | 6.9871% | 4,952 |
| Core capital (leverage) ratio | 8.4177% | 4,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7485% | 1,914 |
| Memoranda: | ||
| Average total assets | $308,506,000 | 2,230 |
| Average earning assets | $293,978,000 | 2,193 |
| Average equity | $24,927,000 | 2,795 |
| Average total loans | $236,764,750 | 1,988 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 1,011 |
| Cost of funding earning assets | 0.6166% | 2,881 |
| Net interest margin | 4.2629% | 809 |
| Noninterest income to average assets | 0.3410% | 3,429 |
| Noninterest expense to average assets | 2.6624% | 2,485 |
| Loan and lease loss provision to assets | 0.6200% | 502 |
| Net operating income to assets | 0.7989% | 3,049 |
| Return on assets (ROA) | 0.8144% | 3,108 |
| Pretax return on assets | 1.1019% | 2,705 |
| Return on Equity (ROE) | 9.5027% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.5027% | 874 |
| Net charge-offs to loans | -0.0966% | 4,836 |
| Credit loss provision to net charge-offs | -830.1887% | 3,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0008% | 3,277 |
| Assets per employee ($millions) | 8.4490% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,265 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 80.4547% | 550 |
| Net loans and leases to deposits | 99.1316% | 601 |
| Net loans and leases to core deposits | 103.2501% | 1,048 |
| Total domestic deposits to total assets | 81.1595% | 3,566 |
| Equity capital to assets | 7.4400% | 4,894 |
| Core capital (leverage) ratio | 8.2331% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2414% | 2,087 |
| Memoranda: | ||
| Average total assets | $283,878,000 | 2,343 |
| Average earning assets | $267,937,667 | 2,315 |
| Average equity | $24,330,000 | 2,831 |
| Average total loans | $219,450,333 | 2,087 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5272% | 2,229 |
| Cost of funding earning assets | 0.7477% | 2,681 |
| Net interest margin | 3.7795% | 2,052 |
| Noninterest income to average assets | 0.3707% | 3,293 |
| Noninterest expense to average assets | 2.7784% | 2,492 |
| Loan and lease loss provision to assets | 0.0623% | 2,988 |
| Net operating income to assets | 0.8315% | 2,794 |
| Return on assets (ROA) | 0.8659% | 2,735 |
| Pretax return on assets | 1.1712% | 2,298 |
| Return on Equity (ROE) | 9.2965% | 1,994 |
| Retained earnings to average equity (ytd only) | 9.2965% | 897 |
| Net charge-offs to loans | -0.0835% | 4,781 |
| Credit loss provision to net charge-offs | -100.0000% | 3,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0157% | 2,349 |
| Assets per employee ($millions) | 6.0435% | 1,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 2,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 74.3781% | 1,551 |
| Net loans and leases to deposits | 82.4980% | 2,387 |
| Net loans and leases to core deposits | 86.6389% | 2,629 |
| Total domestic deposits to total assets | 90.1574% | 277 |
| Equity capital to assets | 9.4120% | 4,306 |
| Core capital (leverage) ratio | 9.2522% | 4,222 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5249% | 3,218 |
| Memoranda: | ||
| Average total assets | $256,838,000 | 2,451 |
| Average earning assets | $244,478,000 | 2,414 |
| Average equity | $23,923,000 | 2,857 |
| Average total loans | $191,505,500 | 2,243 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7448% | 2,202 |
| Cost of funding earning assets | 0.7837% | 2,752 |
| Net interest margin | 3.9611% | 1,967 |
| Noninterest income to average assets | 0.4013% | 3,286 |
| Noninterest expense to average assets | 3.0203% | 1,966 |
| Loan and lease loss provision to assets | 0.1110% | 1,879 |
| Net operating income to assets | 0.7618% | 3,665 |
| Return on assets (ROA) | 0.7665% | 3,738 |
| Pretax return on assets | 1.0347% | 3,377 |
| Return on Equity (ROE) | 8.3416% | 3,023 |
| Retained earnings to average equity (ytd only) | 8.3416% | 876 |
| Net charge-offs to loans | -0.0789% | 4,917 |
| Credit loss provision to net charge-offs | -187.1429% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6013% | 1,785 |
| Assets per employee ($millions) | 6.0428% | 1,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 1,877 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.7912% | 1,952 |
| Net loans and leases to deposits | 80.5914% | 2,713 |
| Net loans and leases to core deposits | 84.4431% | 2,911 |
| Total domestic deposits to total assets | 90.3214% | 234 |
| Equity capital to assets | 9.2235% | 4,553 |
| Core capital (leverage) ratio | 9.1927% | 4,367 |
| Tier 1 risk-based capital ratio | 12.8866% | 3,849 |
| Total risk-based capital ratio | 14.1386% | 3,728 |
| Memoranda: | ||
| Average total assets | $236,001,400 | 2,539 |
| Average earning assets | $223,950,600 | 2,503 |
| Average equity | $21,686,400 | 2,987 |
| Average total loans | $177,494,800 | 2,348 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7913% | 2,145 |
| Cost of funding earning assets | 0.7832% | 2,795 |
| Net interest margin | 4.0081% | 1,908 |
| Noninterest income to average assets | 0.3662% | 3,523 |
| Noninterest expense to average assets | 3.0719% | 1,775 |
| Loan and lease loss provision to assets | 0.1123% | 1,742 |
| Net operating income to assets | 0.7231% | 3,935 |
| Return on assets (ROA) | 0.7290% | 3,984 |
| Pretax return on assets | 0.9846% | 3,638 |
| Return on Equity (ROE) | 7.9412% | 3,339 |
| Retained earnings to average equity (ytd only) | 7.9412% | 1,429 |
| Net charge-offs to loans | -0.0526% | 4,849 |
| Credit loss provision to net charge-offs | -282.6087% | 4,224 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8204% | 1,597 |
| Assets per employee ($millions) | 5.5343% | 1,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 75.9287% | 1,498 |
| Net loans and leases to deposits | 84.6142% | 2,366 |
| Net loans and leases to core deposits | 88.6745% | 2,668 |
| Total domestic deposits to total assets | 89.7351% | 360 |
| Equity capital to assets | 9.6081% | 4,378 |
| Core capital (leverage) ratio | 9.0084% | 4,633 |
| Tier 1 risk-based capital ratio | 12.9690% | 3,866 |
| Total risk-based capital ratio | 14.2205% | 3,764 |
| Memoranda: | ||
| Average total assets | $231,552,500 | 2,592 |
| Average earning assets | $219,253,250 | 2,561 |
| Average equity | $21,255,750 | 3,045 |
| Average total loans | $175,070,250 | 2,394 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 2,170 |
| Cost of funding earning assets | 0.7511% | 2,884 |
| Net interest margin | 4.0163% | 1,870 |
| Noninterest income to average assets | 0.3513% | 3,586 |
| Noninterest expense to average assets | 3.0888% | 1,762 |
| Loan and lease loss provision to assets | 0.1116% | 1,678 |
| Net operating income to assets | 0.7029% | 3,997 |
| Return on assets (ROA) | 0.7070% | 4,038 |
| Pretax return on assets | 0.9555% | 3,693 |
| Return on Equity (ROE) | 7.8284% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.8284% | 1,459 |
| Net charge-offs to loans | -0.0197% | 4,544 |
| Credit loss provision to net charge-offs | -752.9412% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4171% | 1,595 |
| Assets per employee ($millions) | 5.3248% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 73.9657% | 1,898 |
| Net loans and leases to deposits | 81.8800% | 2,746 |
| Net loans and leases to core deposits | 85.7145% | 2,982 |
| Total domestic deposits to total assets | 90.3342% | 232 |
| Equity capital to assets | 9.1361% | 4,707 |
| Core capital (leverage) ratio | 8.5544% | 4,939 |
| Tier 1 risk-based capital ratio | 12.4863% | 4,131 |
| Total risk-based capital ratio | 13.7377% | 4,020 |
| Memoranda: | ||
| Average total assets | $229,411,330 | 2,617 |
| Average earning assets | $217,018,330 | 2,587 |
| Average equity | $20,719,330 | 3,083 |
| Average total loans | $172,425,330 | 2,428 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6592% | 2,352 |
| Cost of funding earning assets | 0.7039% | 3,032 |
| Net interest margin | 3.9553% | 2,005 |
| Noninterest income to average assets | 0.3384% | 3,595 |
| Noninterest expense to average assets | 3.1158% | 1,699 |
| Loan and lease loss provision to assets | 0.1463% | 1,160 |
| Net operating income to assets | 0.6045% | 4,227 |
| Return on assets (ROA) | 0.6045% | 4,267 |
| Pretax return on assets | 0.8195% | 3,994 |
| Return on Equity (ROE) | 6.7332% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.7332% | 2,143 |
| Net charge-offs to loans | -0.0281% | 4,620 |
| Credit loss provision to net charge-offs | -691.6667% | 3,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3385% | 1,462 |
| Assets per employee ($millions) | 5.5977% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 71.2874% | 2,288 |
| Net loans and leases to deposits | 78.3335% | 3,027 |
| Net loans and leases to core deposits | 81.5791% | 3,218 |
| Total domestic deposits to total assets | 91.0051% | 172 |
| Equity capital to assets | 8.5952% | 4,929 |
| Core capital (leverage) ratio | 8.8071% | 4,786 |
| Tier 1 risk-based capital ratio | 12.3576% | 4,264 |
| Total risk-based capital ratio | 13.6086% | 4,131 |
| Memoranda: | ||
| Average total assets | $226,971,500 | 2,659 |
| Average earning assets | $214,803,000 | 2,627 |
| Average equity | $20,376,500 | 3,120 |
| Average total loans | $170,893,500 | 2,463 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7533% | 1,671 |
| Cost of funding earning assets | 0.4581% | 3,624 |
| Net interest margin | 4.2952% | 1,171 |
| Noninterest income to average assets | 0.4135% | 3,358 |
| Noninterest expense to average assets | 3.4466% | 1,080 |
| Loan and lease loss provision to assets | 0.1839% | 1,055 |
| Net operating income to assets | 0.6058% | 4,400 |
| Return on assets (ROA) | 0.6058% | 4,408 |
| Pretax return on assets | 0.8223% | 4,110 |
| Return on Equity (ROE) | 6.2004% | 4,108 |
| Retained earnings to average equity (ytd only) | 6.2004% | 2,089 |
| Net charge-offs to loans | -0.0189% | 4,684 |
| Credit loss provision to net charge-offs | -1,206.8966% | 4,763 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4041% | 1,190 |
| Assets per employee ($millions) | 4.8464% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2193% | 2,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.8484% | 1,293 |
| Net loans and leases to deposits | 86.4649% | 2,221 |
| Net loans and leases to core deposits | 89.6970% | 2,599 |
| Total domestic deposits to total assets | 90.0347% | 465 |
| Equity capital to assets | 9.4091% | 4,209 |
| Core capital (leverage) ratio | 8.8081% | 4,804 |
| Tier 1 risk-based capital ratio | 12.3488% | 4,211 |
| Total risk-based capital ratio | 13.5999% | 4,089 |
| Memoranda: | ||
| Average total assets | $190,330,200 | 2,960 |
| Average earning assets | $178,991,000 | 2,929 |
| Average equity | $18,595,600 | 3,229 |
| Average total loans | $153,443,800 | 2,605 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 1,760 |
| Cost of funding earning assets | 0.3796% | 3,998 |
| Net interest margin | 4.2931% | 1,124 |
| Noninterest income to average assets | 0.4269% | 3,309 |
| Noninterest expense to average assets | 3.3931% | 1,131 |
| Loan and lease loss provision to assets | 0.1791% | 1,013 |
| Net operating income to assets | 0.6565% | 4,346 |
| Return on assets (ROA) | 0.6565% | 4,364 |
| Pretax return on assets | 0.8898% | 4,054 |
| Return on Equity (ROE) | 6.6488% | 4,056 |
| Retained earnings to average equity (ytd only) | 6.6488% | 2,310 |
| Net charge-offs to loans | -0.0187% | 4,607 |
| Credit loss provision to net charge-offs | -1,180.9524% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0440% | 1,341 |
| Assets per employee ($millions) | 4.5703% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.0272% | 712 |
| Net loans and leases to deposits | 91.3016% | 1,719 |
| Net loans and leases to core deposits | 93.6540% | 2,328 |
| Total domestic deposits to total assets | 89.8420% | 561 |
| Equity capital to assets | 9.4245% | 4,161 |
| Core capital (leverage) ratio | 9.0004% | 4,701 |
| Tier 1 risk-based capital ratio | 11.8718% | 4,572 |
| Total risk-based capital ratio | 13.1221% | 4,452 |
| Memoranda: | ||
| Average total assets | $184,602,750 | 3,031 |
| Average earning assets | $173,513,250 | 3,012 |
| Average equity | $18,228,500 | 3,294 |
| Average total loans | $149,791,500 | 2,660 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 1,864 |
| Cost of funding earning assets | 0.3700% | 3,938 |
| Net interest margin | 4.2032% | 1,285 |
| Noninterest income to average assets | 0.4344% | 3,260 |
| Noninterest expense to average assets | 3.3243% | 1,262 |
| Loan and lease loss provision to assets | 0.1429% | 1,354 |
| Net operating income to assets | 0.6823% | 4,244 |
| Return on assets (ROA) | 0.6823% | 4,249 |
| Pretax return on assets | 0.9246% | 3,890 |
| Return on Equity (ROE) | 6.7937% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.7937% | 2,169 |
| Net charge-offs to loans | -0.0194% | 4,559 |
| Credit loss provision to net charge-offs | -914.2857% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6929% | 1,467 |
| Assets per employee ($millions) | 5.1078% | 2,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 2,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 79.1651% | 1,139 |
| Net loans and leases to deposits | 88.2239% | 2,083 |
| Net loans and leases to core deposits | 90.1764% | 2,556 |
| Total domestic deposits to total assets | 89.7319% | 656 |
| Equity capital to assets | 9.6328% | 3,979 |
| Core capital (leverage) ratio | 9.2486% | 4,417 |
| Tier 1 risk-based capital ratio | 12.1852% | 4,380 |
| Total risk-based capital ratio | 13.4356% | 4,258 |
| Memoranda: | ||
| Average total assets | $179,106,000 | 3,104 |
| Average earning assets | $168,632,670 | 3,080 |
| Average equity | $17,987,330 | 3,331 |
| Average total loans | $144,092,000 | 2,745 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5311% | 1,772 |
| Cost of funding earning assets | 0.3764% | 3,764 |
| Net interest margin | 4.1547% | 1,284 |
| Noninterest income to average assets | 0.3100% | 4,088 |
| Noninterest expense to average assets | 3.2492% | 1,454 |
| Loan and lease loss provision to assets | 0.0886% | 2,033 |
| Net operating income to assets | 0.6713% | 4,208 |
| Return on assets (ROA) | 0.6713% | 4,210 |
| Pretax return on assets | 0.9090% | 3,819 |
| Return on Equity (ROE) | 6.5334% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.5334% | 2,485 |
| Net charge-offs to loans | -0.0202% | 4,567 |
| Credit loss provision to net charge-offs | -542.8571% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5093% | 1,519 |
| Assets per employee ($millions) | 5.1115% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2192% | 2,694 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 79.9530% | 940 |
| Net loans and leases to deposits | 89.5910% | 1,733 |
| Net loans and leases to core deposits | 94.5310% | 2,093 |
| Total domestic deposits to total assets | 89.2423% | 990 |
| Equity capital to assets | 10.1800% | 3,414 |
| Core capital (leverage) ratio | 9.2726% | 4,355 |
| Tier 1 risk-based capital ratio | 12.7792% | 4,069 |
| Total risk-based capital ratio | 14.0299% | 3,962 |
| Memoranda: | ||
| Average total assets | $171,610,500 | 3,229 |
| Average earning assets | $162,611,000 | 3,182 |
| Average equity | $17,632,500 | 3,403 |
| Average total loans | $138,403,500 | 2,835 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3761% | 2,095 |
| Cost of funding earning assets | 0.3478% | 3,736 |
| Net interest margin | 4.0284% | 1,664 |
| Noninterest income to average assets | 0.1432% | 5,229 |
| Noninterest expense to average assets | 3.0378% | 2,047 |
| Loan and lease loss provision to assets | 0.0744% | 2,716 |
| Net operating income to assets | -0.1711% | 5,444 |
| Return on assets (ROA) | -0.1715% | 5,444 |
| Pretax return on assets | 0.8287% | 4,170 |
| Return on Equity (ROE) | -1.5409% | 5,444 |
| Retained earnings to average equity (ytd only) | -1.5409% | 5,230 |
| Net charge-offs to loans | -0.0219% | 4,982 |
| Credit loss provision to net charge-offs | -437.0370% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0720% | 1,472 |
| Assets per employee ($millions) | 5.4655% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 2,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.3666% | 1,061 |
| Net loans and leases to deposits | 89.0736% | 1,889 |
| Net loans and leases to core deposits | 93.6043% | 2,232 |
| Total domestic deposits to total assets | 89.1022% | 960 |
| Equity capital to assets | 10.3719% | 3,309 |
| Core capital (leverage) ratio | 9.2998% | 4,290 |
| Tier 1 risk-based capital ratio | 12.9292% | 3,945 |
| Total risk-based capital ratio | 14.1841% | 3,848 |
| Memoranda: | ||
| Average total assets | $158,569,200 | 3,367 |
| Average earning assets | $149,515,000 | 3,329 |
| Average equity | $17,651,800 | 3,408 |
| Average total loans | $123,124,400 | 3,013 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 2,183 |
| Cost of funding earning assets | 0.3422% | 3,747 |
| Net interest margin | 3.9863% | 1,750 |
| Noninterest income to average assets | 0.1420% | 5,297 |
| Noninterest expense to average assets | 2.9428% | 2,271 |
| Loan and lease loss provision to assets | 0.0727% | 2,616 |
| Net operating income to assets | 0.5386% | 4,621 |
| Return on assets (ROA) | 0.5381% | 4,658 |
| Pretax return on assets | 0.8829% | 4,092 |
| Return on Equity (ROE) | 4.7458% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.7458% | 3,052 |
| Net charge-offs to loans | -0.0234% | 4,904 |
| Credit loss provision to net charge-offs | -404.7619% | 4,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4717% | 1,667 |
| Assets per employee ($millions) | 5.2878% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 2,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 78.5697% | 1,183 |
| Net loans and leases to deposits | 89.9813% | 1,810 |
| Net loans and leases to core deposits | 94.0157% | 2,275 |
| Total domestic deposits to total assets | 87.3177% | 1,719 |
| Equity capital to assets | 11.1931% | 2,681 |
| Core capital (leverage) ratio | 9.4996% | 4,169 |
| Tier 1 risk-based capital ratio | 13.1033% | 3,942 |
| Total risk-based capital ratio | 14.3611% | 3,840 |
| Memoranda: | ||
| Average total assets | $155,854,250 | 3,432 |
| Average earning assets | $146,899,750 | 3,389 |
| Average equity | $17,671,500 | 3,439 |
| Average total loans | $119,870,500 | 3,085 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2610% | 2,249 |
| Cost of funding earning assets | 0.3460% | 3,621 |
| Net interest margin | 3.9149% | 1,877 |
| Noninterest income to average assets | 0.1410% | 5,349 |
| Noninterest expense to average assets | 2.9328% | 2,316 |
| Loan and lease loss provision to assets | 0.0588% | 2,793 |
| Net operating income to assets | 0.5036% | 4,697 |
| Return on assets (ROA) | 0.5027% | 4,735 |
| Pretax return on assets | 0.8266% | 4,177 |
| Return on Equity (ROE) | 4.4136% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.4136% | 3,082 |
| Net charge-offs to loans | -0.0258% | 4,882 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7863% | 1,610 |
| Assets per employee ($millions) | 5.7522% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 2,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 76.9976% | 1,382 |
| Net loans and leases to deposits | 87.4594% | 2,049 |
| Net loans and leases to core deposits | 91.1589% | 2,407 |
| Total domestic deposits to total assets | 88.0381% | 1,438 |
| Equity capital to assets | 11.4558% | 2,359 |
| Core capital (leverage) ratio | 9.2076% | 4,477 |
| Tier 1 risk-based capital ratio | 12.9293% | 4,045 |
| Total risk-based capital ratio | 14.1876% | 3,958 |
| Memoranda: | ||
| Average total assets | $153,165,000 | 3,477 |
| Average earning assets | $143,910,000 | 3,442 |
| Average equity | $17,446,000 | 3,472 |
| Average total loans | $116,352,670 | 3,137 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1274% | 2,555 |
| Cost of funding earning assets | 0.3479% | 3,556 |
| Net interest margin | 3.7794% | 2,187 |
| Noninterest income to average assets | 0.1631% | 5,303 |
| Noninterest expense to average assets | 2.9166% | 2,409 |
| Loan and lease loss provision to assets | 0.0605% | 2,591 |
| Net operating income to assets | 0.4418% | 4,807 |
| Return on assets (ROA) | 0.4418% | 4,830 |
| Pretax return on assets | 0.7285% | 4,347 |
| Return on Equity (ROE) | 3.8905% | 4,822 |
| Retained earnings to average equity (ytd only) | 3.8905% | 3,506 |
| Net charge-offs to loans | -0.0211% | 4,774 |
| Credit loss provision to net charge-offs | -383.3333% | 4,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7083% | 1,530 |
| Assets per employee ($millions) | 6.1068% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3209% | 2,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.0706% | 1,903 |
| Net loans and leases to deposits | 82.4222% | 2,455 |
| Net loans and leases to core deposits | 86.1475% | 2,695 |
| Total domestic deposits to total assets | 88.6540% | 1,343 |
| Equity capital to assets | 10.9669% | 2,662 |
| Core capital (leverage) ratio | 9.5800% | 4,028 |
| Tier 1 risk-based capital ratio | 12.7035% | 4,259 |
| Total risk-based capital ratio | 13.9621% | 4,154 |
| Memoranda: | ||
| Average total assets | $152,092,500 | 3,528 |
| Average earning assets | $142,560,500 | 3,489 |
| Average equity | $17,273,000 | 3,509 |
| Average total loans | $113,944,500 | 3,191 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1542% | 2,645 |
| Cost of funding earning assets | 0.3819% | 3,179 |
| Net interest margin | 3.7723% | 2,418 |
| Noninterest income to average assets | 0.2368% | 4,999 |
| Noninterest expense to average assets | 3.0313% | 2,252 |
| Loan and lease loss provision to assets | 0.0585% | 3,220 |
| Net operating income to assets | 0.3967% | 4,953 |
| Return on assets (ROA) | 0.4173% | 4,967 |
| Pretax return on assets | 0.6943% | 4,511 |
| Return on Equity (ROE) | 3.4900% | 5,012 |
| Retained earnings to average equity (ytd only) | 3.4900% | 3,443 |
| Net charge-offs to loans | -0.0273% | 5,206 |
| Credit loss provision to net charge-offs | -296.2963% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7947% | 1,328 |
| Assets per employee ($millions) | 5.8163% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 2,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 74.8190% | 1,720 |
| Net loans and leases to deposits | 85.2829% | 2,268 |
| Net loans and leases to core deposits | 88.1478% | 2,653 |
| Total domestic deposits to total assets | 87.7303% | 1,777 |
| Equity capital to assets | 11.7828% | 1,944 |
| Core capital (leverage) ratio | 10.1121% | 3,350 |
| Tier 1 risk-based capital ratio | 13.0995% | 3,999 |
| Total risk-based capital ratio | 14.3674% | 3,912 |
| Memoranda: | ||
| Average total assets | $136,837,800 | 3,717 |
| Average earning assets | $127,508,800 | 3,696 |
| Average equity | $16,360,800 | 3,644 |
| Average total loans | $99,069,600 | 3,406 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1808% | 2,571 |
| Cost of funding earning assets | 0.3990% | 3,031 |
| Net interest margin | 3.7818% | 2,401 |
| Noninterest income to average assets | 0.1811% | 5,373 |
| Noninterest expense to average assets | 3.0567% | 2,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3790% | 5,096 |
| Return on assets (ROA) | 0.4068% | 5,092 |
| Pretax return on assets | 0.6771% | 4,676 |
| Return on Equity (ROE) | 3.3894% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.3894% | 3,869 |
| Net charge-offs to loans | -0.0291% | 5,152 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8326% | 1,092 |
| Assets per employee ($millions) | 5.5018% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 2,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 73.2170% | 1,992 |
| Net loans and leases to deposits | 84.0991% | 2,470 |
| Net loans and leases to core deposits | 87.5431% | 2,804 |
| Total domestic deposits to total assets | 87.0603% | 1,865 |
| Equity capital to assets | 12.2868% | 1,906 |
| Core capital (leverage) ratio | 9.8121% | 3,797 |
| Tier 1 risk-based capital ratio | 13.4770% | 3,873 |
| Total risk-based capital ratio | 14.7474% | 3,770 |
| Memoranda: | ||
| Average total assets | $134,695,500 | 3,783 |
| Average earning assets | $124,982,000 | 3,754 |
| Average equity | $16,167,750 | 3,703 |
| Average total loans | $96,258,000 | 3,469 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 2,692 |
| Cost of funding earning assets | 0.4057% | 2,977 |
| Net interest margin | 3.7398% | 2,551 |
| Noninterest income to average assets | 0.1959% | 5,327 |
| Noninterest expense to average assets | 3.0745% | 2,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3569% | 5,163 |
| Return on assets (ROA) | 0.3933% | 5,135 |
| Pretax return on assets | 0.6520% | 4,754 |
| Return on Equity (ROE) | 3.3033% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.3033% | 3,798 |
| Net charge-offs to loans | -0.0255% | 5,049 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7816% | 1,068 |
| Assets per employee ($millions) | 5.3916% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 2,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 72.6241% | 2,062 |
| Net loans and leases to deposits | 83.4157% | 2,541 |
| Net loans and leases to core deposits | 87.7111% | 2,757 |
| Total domestic deposits to total assets | 87.0628% | 1,888 |
| Equity capital to assets | 12.3785% | 1,846 |
| Core capital (leverage) ratio | 9.6001% | 4,072 |
| Tier 1 risk-based capital ratio | 13.5777% | 3,854 |
| Total risk-based capital ratio | 14.8499% | 3,760 |
| Memoranda: | ||
| Average total assets | $133,745,330 | 3,816 |
| Average earning assets | $124,229,670 | 3,795 |
| Average equity | $15,923,670 | 3,746 |
| Average total loans | $94,295,670 | 3,514 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0499% | 3,035 |
| Cost of funding earning assets | 0.4072% | 2,996 |
| Net interest margin | 3.6427% | 2,918 |
| Noninterest income to average assets | 0.2402% | 5,021 |
| Noninterest expense to average assets | 3.0775% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3533% | 5,133 |
| Return on assets (ROA) | 0.3783% | 5,131 |
| Pretax return on assets | 0.6125% | 4,783 |
| Return on Equity (ROE) | 3.2426% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.2426% | 3,875 |
| Net charge-offs to loans | -0.0174% | 4,788 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2928% | 1,129 |
| Assets per employee ($millions) | 5.9001% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 66.6180% | 2,871 |
| Net loans and leases to deposits | 75.7022% | 3,252 |
| Net loans and leases to core deposits | 79.5211% | 3,364 |
| Total domestic deposits to total assets | 88.0002% | 1,643 |
| Equity capital to assets | 11.5547% | 2,392 |
| Core capital (leverage) ratio | 9.1854% | 4,615 |
| Tier 1 risk-based capital ratio | 13.6840% | 3,881 |
| Total risk-based capital ratio | 14.9603% | 3,794 |
| Memoranda: | ||
| Average total assets | $133,223,000 | 3,855 |
| Average earning assets | $124,742,500 | 3,812 |
| Average equity | $15,543,000 | 3,806 |
| Average total loans | $91,784,000 | 3,584 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9973% | 3,320 |
| Cost of funding earning assets | 0.4343% | 2,799 |
| Net interest margin | 3.5630% | 3,270 |
| Noninterest income to average assets | 0.2478% | 5,112 |
| Noninterest expense to average assets | 3.0913% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3178% | 5,304 |
| Return on assets (ROA) | 0.3353% | 5,344 |
| Pretax return on assets | 0.5398% | 5,017 |
| Return on Equity (ROE) | 2.8621% | 5,348 |
| Retained earnings to average equity (ytd only) | 2.8621% | 4,028 |
| Net charge-offs to loans | -0.0489% | 5,546 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7779% | 1,009 |
| Assets per employee ($millions) | 5.4477% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5445% | 1,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 69.0869% | 2,524 |
| Net loans and leases to deposits | 78.6786% | 2,980 |
| Net loans and leases to core deposits | 81.8847% | 3,163 |
| Total domestic deposits to total assets | 87.8090% | 1,743 |
| Equity capital to assets | 11.7833% | 2,126 |
| Core capital (leverage) ratio | 9.1624% | 4,672 |
| Tier 1 risk-based capital ratio | 13.6400% | 3,927 |
| Total risk-based capital ratio | 14.9278% | 3,831 |
| Memoranda: | ||
| Average total assets | $124,672,800 | 3,993 |
| Average earning assets | $117,429,800 | 3,938 |
| Average equity | $14,604,800 | 3,890 |
| Average total loans | $85,870,800 | 3,674 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9436% | 3,569 |
| Cost of funding earning assets | 0.4404% | 2,794 |
| Net interest margin | 3.5033% | 3,518 |
| Noninterest income to average assets | 0.2858% | 4,906 |
| Noninterest expense to average assets | 3.1082% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2947% | 5,468 |
| Return on assets (ROA) | 0.3183% | 5,488 |
| Pretax return on assets | 0.5132% | 5,194 |
| Return on Equity (ROE) | 2.7213% | 5,475 |
| Retained earnings to average equity (ytd only) | 2.7213% | 4,479 |
| Net charge-offs to loans | -0.0284% | 5,337 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7110% | 957 |
| Assets per employee ($millions) | 5.4064% | 1,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 1,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.4104% | 2,788 |
| Net loans and leases to deposits | 76.4926% | 3,245 |
| Net loans and leases to core deposits | 79.4382% | 3,471 |
| Total domestic deposits to total assets | 88.1267% | 1,491 |
| Equity capital to assets | 11.2992% | 2,699 |
| Core capital (leverage) ratio | 8.5277% | 5,532 |
| Tier 1 risk-based capital ratio | 13.5015% | 4,139 |
| Total risk-based capital ratio | 14.7943% | 4,043 |
| Memoranda: | ||
| Average total assets | $123,155,000 | 4,063 |
| Average earning assets | $115,964,500 | 4,007 |
| Average equity | $14,404,500 | 3,965 |
| Average total loans | $84,402,500 | 3,745 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 3,592 |
| Cost of funding earning assets | 0.4374% | 2,881 |
| Net interest margin | 3.4885% | 3,547 |
| Noninterest income to average assets | 0.2282% | 5,334 |
| Noninterest expense to average assets | 3.1962% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1939% | 5,706 |
| Return on assets (ROA) | 0.2298% | 5,699 |
| Pretax return on assets | 0.3720% | 5,531 |
| Return on Equity (ROE) | 1.9415% | 5,692 |
| Retained earnings to average equity (ytd only) | 1.9415% | 4,727 |
| Net charge-offs to loans | -0.0121% | 4,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0075% | 687 |
| Assets per employee ($millions) | 5.2003% | 2,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 1,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 67.0473% | 2,783 |
| Net loans and leases to deposits | 76.0995% | 3,259 |
| Net loans and leases to core deposits | 79.3271% | 3,462 |
| Total domestic deposits to total assets | 88.1047% | 1,591 |
| Equity capital to assets | 11.4538% | 2,455 |
| Core capital (leverage) ratio | 8.7087% | 5,311 |
| Tier 1 risk-based capital ratio | 14.0707% | 3,884 |
| Total risk-based capital ratio | 15.3674% | 3,788 |
| Memoranda: | ||
| Average total assets | $120,955,670 | 4,141 |
| Average earning assets | $113,860,670 | 4,079 |
| Average equity | $14,319,000 | 3,995 |
| Average total loans | $82,916,670 | 3,801 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8941% | 3,650 |
| Cost of funding earning assets | 0.4319% | 2,958 |
| Net interest margin | 3.4622% | 3,570 |
| Noninterest income to average assets | 0.1546% | 5,816 |
| Noninterest expense to average assets | 3.1353% | 2,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1708% | 5,743 |
| Return on assets (ROA) | 0.2117% | 5,749 |
| Pretax return on assets | 0.3428% | 5,554 |
| Return on Equity (ROE) | 1.7584% | 5,741 |
| Retained earnings to average equity (ytd only) | 1.7584% | 4,770 |
| Net charge-offs to loans | -0.0098% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8307% | 727 |
| Assets per employee ($millions) | 5.1153% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6435% | 1,910 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 67.1725% | 2,585 |
| Net loans and leases to deposits | 76.3812% | 3,006 |
| Net loans and leases to core deposits | 79.9343% | 3,171 |
| Total domestic deposits to total assets | 87.9437% | 1,863 |
| Equity capital to assets | 11.7353% | 2,255 |
| Core capital (leverage) ratio | 9.0292% | 4,917 |
| Tier 1 risk-based capital ratio | 13.4857% | 4,329 |
| Total risk-based capital ratio | 14.7424% | 4,245 |
| Memoranda: | ||
| Average total assets | $119,030,500 | 4,200 |
| Average earning assets | $112,066,500 | 4,140 |
| Average equity | $14,331,000 | 4,023 |
| Average total loans | $81,845,000 | 3,833 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0209% | 3,641 |
| Cost of funding earning assets | 0.4318% | 3,365 |
| Net interest margin | 3.5891% | 3,450 |
| Noninterest income to average assets | 0.5396% | 3,241 |
| Noninterest expense to average assets | 3.1443% | 2,380 |
| Loan and lease loss provision to assets | 0.1934% | 1,321 |
| Net operating income to assets | 0.3358% | 5,425 |
| Return on assets (ROA) | 0.3358% | 5,492 |
| Pretax return on assets | 0.5424% | 5,128 |
| Return on Equity (ROE) | 2.5641% | 5,613 |
| Retained earnings to average equity (ytd only) | 2.5641% | 4,413 |
| Net charge-offs to loans | 0.2582% | 1,668 |
| Credit loss provision to net charge-offs | 105.6701% | 2,268 |
| Earnings coverage of net charge-offs (x) | 4.0206% | 3,759 |
| Efficiency ratio | 81.0357% | 1,766 |
| Assets per employee ($millions) | 5.0128% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 1,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 68.0611% | 2,549 |
| Net loans and leases to deposits | 77.8853% | 2,988 |
| Net loans and leases to core deposits | 80.1207% | 3,286 |
| Total domestic deposits to total assets | 87.3863% | 2,089 |
| Equity capital to assets | 12.3639% | 1,725 |
| Core capital (leverage) ratio | 9.3774% | 4,424 |
| Tier 1 risk-based capital ratio | 14.0445% | 4,057 |
| Total risk-based capital ratio | 15.3028% | 3,979 |
| Memoranda: | ||
| Average total assets | $106,003,000 | 4,456 |
| Average earning assets | $98,660,400 | 4,434 |
| Average equity | $13,884,200 | 4,046 |
| Average total loans | $75,142,600 | 4,019 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0244% | 3,665 |
| Cost of funding earning assets | 0.4228% | 3,546 |
| Net interest margin | 3.6016% | 3,420 |
| Noninterest income to average assets | 0.6147% | 2,779 |
| Noninterest expense to average assets | 3.1082% | 2,448 |
| Loan and lease loss provision to assets | 0.2250% | 1,006 |
| Net operating income to assets | 0.3858% | 5,298 |
| Return on assets (ROA) | 0.3858% | 5,379 |
| Pretax return on assets | 0.6224% | 4,959 |
| Return on Equity (ROE) | 2.9003% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.9003% | 4,537 |
| Net charge-offs to loans | 0.3551% | 1,137 |
| Credit loss provision to net charge-offs | 88.8325% | 2,454 |
| Earnings coverage of net charge-offs (x) | 3.3452% | 3,680 |
| Efficiency ratio | 78.5761% | 2,100 |
| Assets per employee ($millions) | 4.8703% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7175% | 1,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 71.7274% | 1,898 |
| Net loans and leases to deposits | 82.9910% | 2,291 |
| Net loans and leases to core deposits | 86.5979% | 2,597 |
| Total domestic deposits to total assets | 86.4279% | 2,626 |
| Equity capital to assets | 13.0644% | 1,400 |
| Core capital (leverage) ratio | 10.2183% | 3,389 |
| Tier 1 risk-based capital ratio | 14.5345% | 3,866 |
| Total risk-based capital ratio | 15.7934% | 3,802 |
| Memoranda: | ||
| Average total assets | $103,680,000 | 4,556 |
| Average earning assets | $96,178,000 | 4,544 |
| Average equity | $13,791,500 | 4,081 |
| Average total loans | $73,966,500 | 4,090 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 3,910 |
| Cost of funding earning assets | 0.4344% | 3,502 |
| Net interest margin | 3.5218% | 3,693 |
| Noninterest income to average assets | 0.8388% | 1,707 |
| Noninterest expense to average assets | 2.9846% | 2,892 |
| Loan and lease loss provision to assets | 0.3414% | 534 |
| Net operating income to assets | 0.4779% | 4,901 |
| Return on assets (ROA) | 0.4779% | 4,970 |
| Pretax return on assets | 0.7705% | 4,383 |
| Return on Equity (ROE) | 3.5707% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.5707% | 3,920 |
| Net charge-offs to loans | 0.5513% | 738 |
| Credit loss provision to net charge-offs | 87.5000% | 2,223 |
| Earnings coverage of net charge-offs (x) | 2.8500% | 3,451 |
| Efficiency ratio | 72.8571% | 3,182 |
| Assets per employee ($millions) | 4.9272% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 1,918 |
| Loan loss allowance to noncurrent loans | 1,155.1724% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 5,824 |
| Noncurrent loans to loans | 0.1533% | 5,552 |
| Net loans and leases to total assets | 71.8230% | 1,776 |
| Net loans and leases to deposits | 83.3980% | 2,100 |
| Net loans and leases to core deposits | 87.6916% | 2,345 |
| Total domestic deposits to total assets | 86.1207% | 2,984 |
| Equity capital to assets | 13.4724% | 1,170 |
| Core capital (leverage) ratio | 10.1936% | 3,352 |
| Tier 1 risk-based capital ratio | 15.2345% | 3,502 |
| Total risk-based capital ratio | 16.4939% | 3,447 |
| Memoranda: | ||
| Average total assets | $102,524,670 | 4,621 |
| Average earning assets | $94,839,000 | 4,619 |
| Average equity | $13,722,670 | 4,097 |
| Average total loans | $72,556,670 | 4,146 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8796% | 4,177 |
| Cost of funding earning assets | 0.4292% | 3,658 |
| Net interest margin | 3.4504% | 3,899 |
| Noninterest income to average assets | 0.9877% | 1,156 |
| Noninterest expense to average assets | 2.7163% | 3,885 |
| Loan and lease loss provision to assets | 0.6859% | 177 |
| Net operating income to assets | 0.4782% | 4,793 |
| Return on assets (ROA) | 0.4782% | 4,869 |
| Pretax return on assets | 0.7682% | 4,234 |
| Return on Equity (ROE) | 3.5845% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.5845% | 3,982 |
| Net charge-offs to loans | 1.1379% | 297 |
| Credit loss provision to net charge-offs | 86.6337% | 1,830 |
| Earnings coverage of net charge-offs (x) | 1.8366% | 3,011 |
| Efficiency ratio | 65.1316% | 4,667 |
| Assets per employee ($millions) | 5.0972% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 1,835 |
| Loan loss allowance to noncurrent loans | 990.3704% | 521 |
| Noncurrent assets plus other real estate owned to assets | 1.3116% | 2,681 |
| Noncurrent loans to loans | 0.1890% | 5,530 |
| Net loans and leases to total assets | 65.4796% | 2,641 |
| Net loans and leases to deposits | 75.3842% | 2,888 |
| Net loans and leases to core deposits | 79.5429% | 3,028 |
| Total domestic deposits to total assets | 86.8611% | 2,902 |
| Equity capital to assets | 12.8035% | 1,397 |
| Core capital (leverage) ratio | 10.3205% | 3,151 |
| Tier 1 risk-based capital ratio | 15.4684% | 3,453 |
| Total risk-based capital ratio | 16.7295% | 3,410 |
| Memoranda: | ||
| Average total assets | $102,051,500 | 4,686 |
| Average earning assets | $94,133,500 | 4,680 |
| Average equity | $13,614,000 | 4,126 |
| Average total loans | $71,007,000 | 4,234 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,542 |
| Cost of funding earning assets | 0.4309% | 4,313 |
| Net interest margin | 3.4469% | 4,104 |
| Noninterest income to average assets | -0.2294% | 6,767 |
| Noninterest expense to average assets | 4.1731% | 716 |
| Loan and lease loss provision to assets | 1.6439% | 73 |
| Net operating income to assets | -1.7909% | 6,699 |
| Return on assets (ROA) | -1.8073% | 6,699 |
| Pretax return on assets | -2.8940% | 6,756 |
| Return on Equity (ROE) | -11.9260% | 6,607 |
| Retained earnings to average equity (ytd only) | -11.9260% | 6,569 |
| Net charge-offs to loans | 0.9873% | 596 |
| Credit loss provision to net charge-offs | 235.0400% | 976 |
| Earnings coverage of net charge-offs (x) | -1.7504% | 5,310 |
| Efficiency ratio | 141.5180% | 78 |
| Assets per employee ($millions) | 4.6220% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9338% | 1,699 |
| Loan loss allowance to noncurrent loans | 61.8487% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 2.8899% | 1,107 |
| Noncurrent loans to loans | 3.1266% | 1,098 |
| Net loans and leases to total assets | 71.3173% | 1,789 |
| Net loans and leases to deposits | 83.2495% | 2,029 |
| Net loans and leases to core deposits | 84.8923% | 2,571 |
| Total domestic deposits to total assets | 85.6669% | 3,419 |
| Equity capital to assets | 13.9323% | 926 |
| Core capital (leverage) ratio | 10.5267% | 2,887 |
| Tier 1 risk-based capital ratio | 15.4625% | 3,398 |
| Total risk-based capital ratio | 16.7165% | 3,346 |
| Memoranda: | ||
| Average total assets | $89,358,600 | 4,995 |
| Average earning assets | $82,393,600 | 4,972 |
| Average equity | $13,541,800 | 4,158 |
| Average total loans | $63,302,600 | 4,504 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 4,604 |
| Cost of funding earning assets | 0.4248% | 4,556 |
| Net interest margin | 3.4466% | 4,098 |
| Noninterest income to average assets | -0.3828% | 6,858 |
| Noninterest expense to average assets | 4.3964% | 581 |
| Loan and lease loss provision to assets | 2.2401% | 31 |
| Net operating income to assets | -2.3973% | 6,818 |
| Return on assets (ROA) | -2.4003% | 6,819 |
| Pretax return on assets | -3.8444% | 6,864 |
| Return on Equity (ROE) | -15.4919% | 6,735 |
| Retained earnings to average equity (ytd only) | -15.4919% | 6,709 |
| Net charge-offs to loans | 1.3814% | 374 |
| Credit loss provision to net charge-offs | 230.6122% | 1,051 |
| Earnings coverage of net charge-offs (x) | -1.6468% | 5,062 |
| Efficiency ratio | 157.1974% | 64 |
| Assets per employee ($millions) | 4.2641% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0806% | 1,546 |
| Loan loss allowance to noncurrent loans | 72.1985% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 2.2324% | 1,780 |
| Noncurrent loans to loans | 2.8818% | 1,424 |
| Net loans and leases to total assets | 71.1098% | 1,763 |
| Net loans and leases to deposits | 84.3827% | 1,833 |
| Net loans and leases to core deposits | 85.2457% | 2,499 |
| Total domestic deposits to total assets | 84.2707% | 4,075 |
| Equity capital to assets | 15.1375% | 691 |
| Core capital (leverage) ratio | 11.5888% | 1,966 |
| Tier 1 risk-based capital ratio | 17.1774% | 2,635 |
| Total risk-based capital ratio | 18.4603% | 2,589 |
| Memoranda: | ||
| Average total assets | $87,432,750 | 5,091 |
| Average earning assets | $80,656,250 | 5,070 |
| Average equity | $13,546,500 | 4,200 |
| Average total loans | $61,481,500 | 4,601 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 4,797 |
| Cost of funding earning assets | 0.4377% | 4,572 |
| Net interest margin | 3.3718% | 4,299 |
| Noninterest income to average assets | 0.1683% | 6,208 |
| Noninterest expense to average assets | 3.6735% | 1,294 |
| Loan and lease loss provision to assets | 0.2491% | 1,499 |
| Net operating income to assets | -0.4059% | 6,606 |
| Return on assets (ROA) | -0.4059% | 6,625 |
| Pretax return on assets | -0.6457% | 6,674 |
| Return on Equity (ROE) | -2.5990% | 6,558 |
| Retained earnings to average equity (ytd only) | -2.5990% | 6,265 |
| Net charge-offs to loans | 0.1493% | 2,908 |
| Credit loss provision to net charge-offs | 240.0000% | 1,047 |
| Earnings coverage of net charge-offs (x) | -3.8222% | 4,810 |
| Efficiency ratio | 112.1042% | 253 |
| Assets per employee ($millions) | 4.8736% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 6,121 |
| Loan loss allowance to noncurrent loans | 25.6140% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 3.1576% | 1,264 |
| Noncurrent loans to loans | 3.5326% | 1,188 |
| Net loans and leases to total assets | 72.9071% | 1,421 |
| Net loans and leases to deposits | 88.2665% | 1,308 |
| Net loans and leases to core deposits | 89.2058% | 1,983 |
| Total domestic deposits to total assets | 82.5988% | 4,854 |
| Equity capital to assets | 17.1447% | 403 |
| Core capital (leverage) ratio | 13.7505% | 900 |
| Tier 1 risk-based capital ratio | 20.5479% | 1,603 |
| Total risk-based capital ratio | 21.5887% | 1,621 |
| Memoranda: | ||
| Average total assets | $86,728,330 | 5,135 |
| Average earning assets | $79,957,330 | 5,119 |
| Average equity | $13,543,670 | 4,232 |
| Average total loans | $60,299,000 | 4,663 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6840% | 5,217 |
| Cost of funding earning assets | 0.4536% | 4,554 |
| Net interest margin | 3.2304% | 4,802 |
| Noninterest income to average assets | 0.1438% | 6,386 |
| Noninterest expense to average assets | 3.5811% | 1,453 |
| Loan and lease loss provision to assets | 0.2087% | 1,780 |
| Net operating income to assets | -0.4221% | 6,639 |
| Return on assets (ROA) | -0.4221% | 6,673 |
| Pretax return on assets | -0.6726% | 6,720 |
| Return on Equity (ROE) | -2.8448% | 6,603 |
| Retained earnings to average equity (ytd only) | -2.8448% | 6,172 |
| Net charge-offs to loans | 0.3094% | 1,722 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | -2.2222% | 4,028 |
| Efficiency ratio | 114.8810% | 263 |
| Assets per employee ($millions) | 4.9540% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 6,347 |
| Loan loss allowance to noncurrent loans | 24.5631% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 2.9236% | 1,542 |
| Noncurrent loans to loans | 3.4995% | 1,370 |
| Net loans and leases to total assets | 67.2577% | 2,146 |
| Net loans and leases to deposits | 81.5631% | 1,887 |
| Net loans and leases to core deposits | 82.4161% | 2,521 |
| Total domestic deposits to total assets | 82.4609% | 5,037 |
| Equity capital to assets | 17.3496% | 388 |
| Core capital (leverage) ratio | 14.5613% | 658 |
| Tier 1 risk-based capital ratio | 21.9264% | 1,347 |
| Total risk-based capital ratio | 22.9077% | 1,365 |
| Memoranda: | ||
| Average total assets | $86,230,500 | 5,190 |
| Average earning assets | $79,370,500 | 5,172 |
| Average equity | $12,795,500 | 4,422 |
| Average total loans | $58,178,000 | 4,770 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 4,869 |
| Cost of funding earning assets | 0.6077% | 4,270 |
| Net interest margin | 3.5155% | 4,435 |
| Noninterest income to average assets | 0.1902% | 6,043 |
| Noninterest expense to average assets | 3.4751% | 1,885 |
| Loan and lease loss provision to assets | 0.3926% | 1,658 |
| Net operating income to assets | -0.2922% | 6,432 |
| Return on assets (ROA) | 0.1490% | 6,056 |
| Pretax return on assets | 0.2435% | 5,922 |
| Return on Equity (ROE) | 1.2146% | 6,084 |
| Retained earnings to average equity (ytd only) | 1.2146% | 5,269 |
| Net charge-offs to loans | 0.8801% | 1,299 |
| Credit loss provision to net charge-offs | 69.3790% | 4,187 |
| Earnings coverage of net charge-offs (x) | -0.0942% | 5,533 |
| Efficiency ratio | 101.5581% | 505 |
| Assets per employee ($millions) | 5.2056% | 1,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 6,185 |
| Loan loss allowance to noncurrent loans | 26.0370% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 2.9908% | 1,585 |
| Noncurrent loans to loans | 3.5821% | 1,377 |
| Net loans and leases to total assets | 66.4433% | 2,463 |
| Net loans and leases to deposits | 75.7667% | 2,838 |
| Net loans and leases to core deposits | 76.5634% | 3,452 |
| Total domestic deposits to total assets | 87.6947% | 2,415 |
| Equity capital to assets | 12.1505% | 1,946 |
| Core capital (leverage) ratio | 8.0962% | 6,094 |
| Tier 1 risk-based capital ratio | 13.1747% | 4,981 |
| Total risk-based capital ratio | 14.2461% | 5,047 |
| Memoranda: | ||
| Average total assets | $82,529,800 | 5,286 |
| Average earning assets | $75,864,400 | 5,249 |
| Average equity | $10,126,400 | 4,956 |
| Average total loans | $53,059,800 | 4,980 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1701% | 4,917 |
| Cost of funding earning assets | 0.6433% | 4,249 |
| Net interest margin | 3.5268% | 4,539 |
| Noninterest income to average assets | 0.1911% | 6,156 |
| Noninterest expense to average assets | 3.4863% | 1,793 |
| Loan and lease loss provision to assets | 0.1749% | 3,386 |
| Net operating income to assets | -0.1594% | 6,460 |
| Return on assets (ROA) | 0.3546% | 5,624 |
| Pretax return on assets | 0.5732% | 5,251 |
| Return on Equity (ROE) | 2.8830% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.8830% | 4,822 |
| Net charge-offs to loans | 0.1477% | 3,925 |
| Credit loss provision to net charge-offs | 186.2069% | 1,488 |
| Earnings coverage of net charge-offs (x) | -0.5862% | 5,516 |
| Efficiency ratio | 101.6045% | 496 |
| Assets per employee ($millions) | 5.0756% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 5,275 |
| Loan loss allowance to noncurrent loans | 104.0816% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 1.4481% | 3,434 |
| Noncurrent loans to loans | 1.1540% | 4,132 |
| Net loans and leases to total assets | 72.3208% | 1,496 |
| Net loans and leases to deposits | 83.0331% | 1,997 |
| Net loans and leases to core deposits | 84.6683% | 2,621 |
| Total domestic deposits to total assets | 87.0987% | 2,604 |
| Equity capital to assets | 12.6895% | 1,773 |
| Core capital (leverage) ratio | 8.5877% | 5,640 |
| Tier 1 risk-based capital ratio | 13.0132% | 5,240 |
| Total risk-based capital ratio | 14.2832% | 5,173 |
| Memoranda: | ||
| Average total assets | $82,340,000 | 5,342 |
| Average earning assets | $75,648,000 | 5,302 |
| Average equity | $10,128,000 | 4,999 |
| Average total loans | $52,359,500 | 5,056 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 4,979 |
| Cost of funding earning assets | 0.6697% | 4,280 |
| Net interest margin | 3.5226% | 4,583 |
| Noninterest income to average assets | 0.1813% | 6,267 |
| Noninterest expense to average assets | 3.4890% | 1,809 |
| Loan and lease loss provision to assets | 0.2515% | 2,566 |
| Net operating income to assets | -0.2215% | 6,563 |
| Return on assets (ROA) | 0.3047% | 5,805 |
| Pretax return on assets | 0.4932% | 5,456 |
| Return on Equity (ROE) | 2.5027% | 5,881 |
| Retained earnings to average equity (ytd only) | 2.5027% | 4,938 |
| Net charge-offs to loans | 0.2320% | 3,180 |
| Credit loss provision to net charge-offs | 179.3103% | 1,573 |
| Earnings coverage of net charge-offs (x) | -0.5517% | 5,248 |
| Efficiency ratio | 102.2679% | 488 |
| Assets per employee ($millions) | 5.0767% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,556 |
| Loan loss allowance to noncurrent loans | 103.4985% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.5401% | 3,391 |
| Noncurrent loans to loans | 1.3278% | 3,928 |
| Net loans and leases to total assets | 62.7328% | 3,281 |
| Net loans and leases to deposits | 71.8784% | 3,632 |
| Net loans and leases to core deposits | 73.2874% | 4,127 |
| Total domestic deposits to total assets | 87.2764% | 2,609 |
| Equity capital to assets | 12.5512% | 1,786 |
| Core capital (leverage) ratio | 8.3404% | 5,859 |
| Tier 1 risk-based capital ratio | 13.3757% | 4,916 |
| Total risk-based capital ratio | 14.6477% | 4,863 |
| Memoranda: | ||
| Average total assets | $82,717,000 | 5,361 |
| Average earning assets | $75,852,330 | 5,328 |
| Average equity | $10,069,000 | 5,016 |
| Average total loans | $49,997,670 | 5,200 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 4,074 |
| Cost of funding earning assets | 0.6892% | 4,377 |
| Net interest margin | 3.7699% | 3,518 |
| Noninterest income to average assets | 0.1773% | 6,319 |
| Noninterest expense to average assets | 3.4171% | 1,961 |
| Loan and lease loss provision to assets | 0.1006% | 4,084 |
| Net operating income to assets | 0.0717% | 6,294 |
| Return on assets (ROA) | 0.1054% | 6,355 |
| Pretax return on assets | 0.1725% | 6,247 |
| Return on Equity (ROE) | 0.8795% | 6,375 |
| Retained earnings to average equity (ytd only) | 0.8795% | 5,713 |
| Net charge-offs to loans | 0.2766% | 2,564 |
| Credit loss provision to net charge-offs | 61.7647% | 3,077 |
| Earnings coverage of net charge-offs (x) | 1.3529% | 3,655 |
| Efficiency ratio | 93.9394% | 826 |
| Assets per employee ($millions) | 5.5635% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 4,816 |
| Loan loss allowance to noncurrent loans | 53.9354% | 4,847 |
| Noncurrent assets plus other real estate owned to assets | 2.0335% | 2,850 |
| Noncurrent loans to loans | 2.4965% | 2,608 |
| Net loans and leases to total assets | 57.1531% | 4,194 |
| Net loans and leases to deposits | 65.0722% | 4,478 |
| Net loans and leases to core deposits | 66.5383% | 4,854 |
| Total domestic deposits to total assets | 87.8303% | 2,432 |
| Equity capital to assets | 12.0319% | 2,016 |
| Core capital (leverage) ratio | 7.9987% | 6,266 |
| Tier 1 risk-based capital ratio | 12.8930% | 5,287 |
| Total risk-based capital ratio | 14.1622% | 5,247 |
| Memoranda: | ||
| Average total assets | $83,462,000 | 5,375 |
| Average earning assets | $76,607,500 | 5,340 |
| Average equity | $10,006,000 | 5,042 |
| Average total loans | $49,163,500 | 5,259 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 5,614 |
| Cost of funding earning assets | 0.8247% | 4,678 |
| Net interest margin | 3.5208% | 5,065 |
| Noninterest income to average assets | 0.1712% | 6,258 |
| Noninterest expense to average assets | 3.2711% | 2,616 |
| Loan and lease loss provision to assets | 1.6806% | 408 |
| Net operating income to assets | -0.9622% | 6,725 |
| Return on assets (ROA) | -0.5691% | 6,577 |
| Pretax return on assets | -0.9022% | 6,690 |
| Return on Equity (ROE) | -4.8977% | 6,524 |
| Retained earnings to average equity (ytd only) | -4.8977% | 6,440 |
| Net charge-offs to loans | 2.8363% | 368 |
| Credit loss provision to net charge-offs | 99.7255% | 3,584 |
| Earnings coverage of net charge-offs (x) | 0.0975% | 5,760 |
| Efficiency ratio | 95.2189% | 859 |
| Assets per employee ($millions) | 5.5647% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3285% | 4,764 |
| Loan loss allowance to noncurrent loans | 33.8258% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 2.3517% | 2,572 |
| Noncurrent loans to loans | 3.9276% | 1,596 |
| Net loans and leases to total assets | 59.0816% | 4,181 |
| Net loans and leases to deposits | 67.1725% | 4,557 |
| Net loans and leases to core deposits | 69.7095% | 4,819 |
| Total domestic deposits to total assets | 87.9551% | 2,195 |
| Equity capital to assets | 11.9455% | 2,169 |
| Core capital (leverage) ratio | 7.7347% | 6,512 |
| Tier 1 risk-based capital ratio | 12.1010% | 5,761 |
| Total risk-based capital ratio | 13.3698% | 5,726 |
| Memoranda: | ||
| Average total assets | $86,455,200 | 5,279 |
| Average earning assets | $80,152,800 | 5,230 |
| Average equity | $10,045,600 | 5,001 |
| Average total loans | $51,370,000 | 5,217 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4161% | 5,558 |
| Cost of funding earning assets | 0.8420% | 4,832 |
| Net interest margin | 3.5741% | 4,872 |
| Noninterest income to average assets | 0.1575% | 6,470 |
| Noninterest expense to average assets | 3.2690% | 2,601 |
| Loan and lease loss provision to assets | 1.7996% | 334 |
| Net operating income to assets | -1.0124% | 6,889 |
| Return on assets (ROA) | -0.5397% | 6,702 |
| Pretax return on assets | -0.8562% | 6,811 |
| Return on Equity (ROE) | -4.6765% | 6,662 |
| Retained earnings to average equity (ytd only) | -4.6765% | 6,572 |
| Net charge-offs to loans | 2.6141% | 409 |
| Credit loss provision to net charge-offs | 116.0750% | 2,818 |
| Earnings coverage of net charge-offs (x) | 0.1321% | 5,507 |
| Efficiency ratio | 94.1021% | 911 |
| Assets per employee ($millions) | 5.3198% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6265% | 3,545 |
| Loan loss allowance to noncurrent loans | 54.3137% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.7975% | 3,398 |
| Noncurrent loans to loans | 2.9947% | 2,310 |
| Net loans and leases to total assets | 59.0470% | 4,312 |
| Net loans and leases to deposits | 67.2775% | 4,728 |
| Net loans and leases to core deposits | 70.2805% | 4,916 |
| Total domestic deposits to total assets | 87.7663% | 2,182 |
| Equity capital to assets | 12.0916% | 2,176 |
| Core capital (leverage) ratio | 8.0329% | 6,366 |
| Tier 1 risk-based capital ratio | 12.3866% | 5,591 |
| Total risk-based capital ratio | 13.6590% | 5,561 |
| Memoranda: | ||
| Average total assets | $87,201,250 | 5,292 |
| Average earning assets | $80,913,250 | 5,245 |
| Average equity | $10,064,250 | 5,021 |
| Average total loans | $51,717,500 | 5,245 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 5,876 |
| Cost of funding earning assets | 0.8581% | 4,998 |
| Net interest margin | 3.4814% | 5,239 |
| Noninterest income to average assets | 0.1206% | 6,726 |
| Noninterest expense to average assets | 3.2698% | 2,670 |
| Loan and lease loss provision to assets | 2.6782% | 184 |
| Net operating income to assets | -1.6358% | 7,132 |
| Return on assets (ROA) | -1.2469% | 7,028 |
| Pretax return on assets | -1.9887% | 7,158 |
| Return on Equity (ROE) | -10.9728% | 6,966 |
| Retained earnings to average equity (ytd only) | -10.9728% | 6,913 |
| Net charge-offs to loans | 3.7977% | 227 |
| Credit loss provision to net charge-offs | 119.3712% | 2,566 |
| Earnings coverage of net charge-offs (x) | 0.0365% | 5,257 |
| Efficiency ratio | 97.5560% | 809 |
| Assets per employee ($millions) | 5.4281% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6740% | 3,406 |
| Loan loss allowance to noncurrent loans | 54.9936% | 4,726 |
| Noncurrent assets plus other real estate owned to assets | 2.0138% | 3,212 |
| Noncurrent loans to loans | 3.0439% | 2,377 |
| Net loans and leases to total assets | 58.0956% | 4,607 |
| Net loans and leases to deposits | 65.6706% | 5,048 |
| Net loans and leases to core deposits | 68.0440% | 5,287 |
| Total domestic deposits to total assets | 88.4652% | 1,875 |
| Equity capital to assets | 11.4047% | 2,599 |
| Core capital (leverage) ratio | 7.5696% | 6,696 |
| Tier 1 risk-based capital ratio | 11.5293% | 6,152 |
| Total risk-based capital ratio | 12.8011% | 6,121 |
| Memoranda: | ||
| Average total assets | $87,896,000 | 5,315 |
| Average earning assets | $81,576,330 | 5,280 |
| Average equity | $9,988,330 | 5,052 |
| Average total loans | $51,926,670 | 5,287 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 6,279 |
| Cost of funding earning assets | 0.8810% | 5,059 |
| Net interest margin | 3.3197% | 5,710 |
| Noninterest income to average assets | 0.1357% | 6,737 |
| Noninterest expense to average assets | 3.2889% | 2,595 |
| Loan and lease loss provision to assets | 5.3246% | 56 |
| Net operating income to assets | -3.3709% | 7,417 |
| Return on assets (ROA) | -3.2753% | 7,417 |
| Pretax return on assets | -5.2432% | 7,487 |
| Return on Equity (ROE) | -28.8734% | 7,309 |
| Retained earnings to average equity (ytd only) | -28.8734% | 7,280 |
| Net charge-offs to loans | 8.3550% | 53 |
| Credit loss provision to net charge-offs | 107.8827% | 2,472 |
| Earnings coverage of net charge-offs (x) | -0.0137% | 4,587 |
| Efficiency ratio | 102.1067% | 669 |
| Assets per employee ($millions) | 5.6139% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 4,702 |
| Loan loss allowance to noncurrent loans | 31.4954% | 6,201 |
| Noncurrent assets plus other real estate owned to assets | 2.6652% | 2,574 |
| Noncurrent loans to loans | 4.4193% | 1,591 |
| Net loans and leases to total assets | 59.4692% | 4,371 |
| Net loans and leases to deposits | 66.7971% | 4,863 |
| Net loans and leases to core deposits | 70.9964% | 4,930 |
| Total domestic deposits to total assets | 89.0295% | 1,757 |
| Equity capital to assets | 10.8090% | 2,871 |
| Core capital (leverage) ratio | 7.0978% | 6,958 |
| Tier 1 risk-based capital ratio | 10.8431% | 6,615 |
| Total risk-based capital ratio | 12.1127% | 6,581 |
| Memoranda: | ||
| Average total assets | $88,419,000 | 5,342 |
| Average earning assets | $82,176,000 | 5,294 |
| Average equity | $10,030,000 | 5,046 |
| Average total loans | $52,232,500 | 5,321 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2872% | 6,811 |
| Cost of funding earning assets | 1.1738% | 4,707 |
| Net interest margin | 3.1135% | 6,488 |
| Noninterest income to average assets | 0.0881% | 6,952 |
| Noninterest expense to average assets | 3.5307% | 2,098 |
| Loan and lease loss provision to assets | 1.2742% | 1,215 |
| Net operating income to assets | -1.1709% | 6,778 |
| Return on assets (ROA) | -0.8072% | 6,608 |
| Pretax return on assets | -1.2566% | 6,760 |
| Return on Equity (ROE) | -6.8592% | 6,552 |
| Retained earnings to average equity (ytd only) | -6.8592% | 6,452 |
| Net charge-offs to loans | 2.7495% | 648 |
| Credit loss provision to net charge-offs | 84.8863% | 5,347 |
| Earnings coverage of net charge-offs (x) | -0.3668% | 6,395 |
| Efficiency ratio | 118.4775% | 421 |
| Assets per employee ($millions) | 5.8010% | 1,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 4,861 |
| Loan loss allowance to noncurrent loans | 12.4907% | 7,052 |
| Noncurrent assets plus other real estate owned to assets | 6.1461% | 952 |
| Noncurrent loans to loans | 10.6335% | 376 |
| Net loans and leases to total assets | 57.0315% | 5,184 |
| Net loans and leases to deposits | 64.8011% | 5,537 |
| Net loans and leases to core deposits | 67.8507% | 5,674 |
| Total domestic deposits to total assets | 88.0101% | 2,246 |
| Equity capital to assets | 11.8957% | 1,975 |
| Core capital (leverage) ratio | 8.3195% | 5,661 |
| Tier 1 risk-based capital ratio | 13.8717% | 3,947 |
| Total risk-based capital ratio | 15.1421% | 3,911 |
| Memoranda: | ||
| Average total assets | $90,803,600 | 5,265 |
| Average earning assets | $84,343,200 | 5,203 |
| Average equity | $10,686,400 | 4,937 |
| Average total loans | $49,573,400 | 5,500 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3369% | 6,913 |
| Cost of funding earning assets | 1.2071% | 4,827 |
| Net interest margin | 3.1298% | 6,537 |
| Noninterest income to average assets | 0.0843% | 7,112 |
| Noninterest expense to average assets | 3.4644% | 2,127 |
| Loan and lease loss provision to assets | 1.6726% | 765 |
| Net operating income to assets | -1.3736% | 7,062 |
| Return on assets (ROA) | -0.8937% | 6,885 |
| Pretax return on assets | -1.3980% | 7,012 |
| Return on Equity (ROE) | -7.6134% | 6,817 |
| Retained earnings to average equity (ytd only) | -7.6134% | 6,746 |
| Net charge-offs to loans | 3.6792% | 356 |
| Credit loss provision to net charge-offs | 84.4461% | 4,982 |
| Earnings coverage of net charge-offs (x) | -0.2399% | 6,205 |
| Efficiency ratio | 115.8969% | 434 |
| Assets per employee ($millions) | 5.2915% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 4,769 |
| Loan loss allowance to noncurrent loans | 11.0150% | 7,166 |
| Noncurrent assets plus other real estate owned to assets | 6.6811% | 842 |
| Noncurrent loans to loans | 12.1260% | 281 |
| Net loans and leases to total assets | 54.3616% | 5,792 |
| Net loans and leases to deposits | 61.7585% | 6,143 |
| Net loans and leases to core deposits | 64.3409% | 6,270 |
| Total domestic deposits to total assets | 88.0229% | 1,943 |
| Equity capital to assets | 11.8215% | 2,270 |
| Core capital (leverage) ratio | 8.3291% | 5,822 |
| Tier 1 risk-based capital ratio | 13.8894% | 3,921 |
| Total risk-based capital ratio | 15.1583% | 3,876 |
| Memoranda: | ||
| Average total assets | $91,750,750 | 5,297 |
| Average earning assets | $85,158,500 | 5,231 |
| Average equity | $10,770,250 | 4,981 |
| Average total loans | $49,393,250 | 5,589 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 6,978 |
| Cost of funding earning assets | 1.2622% | 4,756 |
| Net interest margin | 3.0786% | 6,657 |
| Noninterest income to average assets | 0.0758% | 7,209 |
| Noninterest expense to average assets | 3.4673% | 2,107 |
| Loan and lease loss provision to assets | 0.4136% | 3,250 |
| Net operating income to assets | -0.6496% | 6,777 |
| Return on assets (ROA) | -0.2057% | 6,410 |
| Pretax return on assets | -0.2989% | 6,425 |
| Return on Equity (ROE) | -1.7567% | 6,401 |
| Retained earnings to average equity (ytd only) | -1.7567% | 6,111 |
| Net charge-offs to loans | -0.1013% | 7,554 |
| Credit loss provision to net charge-offs | -764.0000% | 6,873 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.9808% | 439 |
| Assets per employee ($millions) | 5.5209% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1751% | 1,813 |
| Loan loss allowance to noncurrent loans | 15.4347% | 7,131 |
| Noncurrent assets plus other real estate owned to assets | 7.9946% | 615 |
| Noncurrent loans to loans | 14.0922% | 197 |
| Net loans and leases to total assets | 55.4967% | 5,783 |
| Net loans and leases to deposits | 64.6921% | 5,954 |
| Net loans and leases to core deposits | 67.7459% | 6,079 |
| Total domestic deposits to total assets | 85.7859% | 3,212 |
| Equity capital to assets | 12.8533% | 1,630 |
| Core capital (leverage) ratio | 8.9958% | 4,607 |
| Tier 1 risk-based capital ratio | 15.2544% | 3,037 |
| Total risk-based capital ratio | 16.5338% | 2,976 |
| Memoranda: | ||
| Average total assets | $92,349,330 | 5,301 |
| Average earning assets | $85,882,670 | 5,241 |
| Average equity | $10,815,670 | 4,970 |
| Average total loans | $49,336,670 | 5,635 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2063% | 7,256 |
| Cost of funding earning assets | 1.2879% | 4,885 |
| Net interest margin | 2.9184% | 6,985 |
| Noninterest income to average assets | 0.0805% | 7,298 |
| Noninterest expense to average assets | 3.3660% | 2,325 |
| Loan and lease loss provision to assets | 0.0636% | 6,009 |
| Net operating income to assets | -0.4282% | 6,787 |
| Return on assets (ROA) | -0.4282% | 6,819 |
| Pretax return on assets | -0.6401% | 6,865 |
| Return on Equity (ROE) | -3.8307% | 6,812 |
| Retained earnings to average equity (ytd only) | -3.8307% | 6,479 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.6687% | 436 |
| Assets per employee ($millions) | 5.9213% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7996% | 2,730 |
| Loan loss allowance to noncurrent loans | 12.2773% | 7,284 |
| Noncurrent assets plus other real estate owned to assets | 7.6429% | 656 |
| Noncurrent loans to loans | 14.6579% | 193 |
| Net loans and leases to total assets | 51.2038% | 6,353 |
| Net loans and leases to deposits | 57.7374% | 6,635 |
| Net loans and leases to core deposits | 67.0875% | 6,198 |
| Total domestic deposits to total assets | 88.6839% | 1,684 |
| Equity capital to assets | 11.1789% | 2,608 |
| Core capital (leverage) ratio | 8.3952% | 5,571 |
| Tier 1 risk-based capital ratio | 13.8969% | 3,728 |
| Total risk-based capital ratio | 15.1645% | 3,674 |
| Memoranda: | ||
| Average total assets | $94,356,500 | 5,304 |
| Average earning assets | $87,583,000 | 5,252 |
| Average equity | $10,546,500 | 5,086 |
| Average total loans | $48,948,500 | 5,714 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6727% | 7,181 |
| Cost of funding earning assets | 1.8234% | 3,864 |
| Net interest margin | 2.8493% | 6,973 |
| Noninterest income to average assets | 0.0635% | 7,435 |
| Noninterest expense to average assets | 3.9170% | 1,487 |
| Loan and lease loss provision to assets | 3.0682% | 559 |
| Net operating income to assets | -2.7045% | 7,320 |
| Return on assets (ROA) | -2.5802% | 7,287 |
| Pretax return on assets | -4.0726% | 7,545 |
| Return on Equity (ROE) | -18.5846% | 7,095 |
| Retained earnings to average equity (ytd only) | -18.5846% | 7,053 |
| Net charge-offs to loans | 5.0746% | 252 |
| Credit loss provision to net charge-offs | 104.2724% | 5,303 |
| Earnings coverage of net charge-offs (x) | -0.4074% | 6,634 |
| Efficiency ratio | 144.0934% | 352 |
| Assets per employee ($millions) | 5.8733% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8022% | 2,537 |
| Loan loss allowance to noncurrent loans | 12.2323% | 7,328 |
| Noncurrent assets plus other real estate owned to assets | 7.6033% | 629 |
| Noncurrent loans to loans | 14.7329% | 182 |
| Net loans and leases to total assets | 50.6779% | 6,560 |
| Net loans and leases to deposits | 57.1478% | 6,840 |
| Net loans and leases to core deposits | 72.6936% | 6,610 |
| Total domestic deposits to total assets | 88.6785% | 1,638 |
| Equity capital to assets | 11.1757% | 2,552 |
| Core capital (leverage) ratio | 8.3000% | 5,616 |
| Tier 1 risk-based capital ratio | 14.2152% | 3,371 |
| Total risk-based capital ratio | 15.4731% | 3,317 |
| Memoranda: | ||
| Average total assets | $80,341,200 | 5,717 |
| Average earning assets | $74,859,800 | 5,643 |
| Average equity | $11,154,400 | 4,978 |
| Average total loans | $46,585,200 | 5,817 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7328% | 7,234 |
| Cost of funding earning assets | 1.9058% | 3,853 |
| Net interest margin | 2.8271% | 7,007 |
| Noninterest income to average assets | 0.0520% | 7,642 |
| Noninterest expense to average assets | 4.0449% | 1,222 |
| Loan and lease loss provision to assets | 3.4054% | 399 |
| Net operating income to assets | -3.0186% | 7,588 |
| Return on assets (ROA) | -2.8422% | 7,557 |
| Pretax return on assets | -4.4851% | 7,753 |
| Return on Equity (ROE) | -19.3206% | 7,350 |
| Retained earnings to average equity (ytd only) | -19.3206% | 7,316 |
| Net charge-offs to loans | 5.2138% | 202 |
| Credit loss provision to net charge-offs | 108.9850% | 4,663 |
| Earnings coverage of net charge-offs (x) | -0.4337% | 6,451 |
| Efficiency ratio | 150.3866% | 316 |
| Assets per employee ($millions) | 5.1858% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 2,083 |
| Loan loss allowance to noncurrent loans | 20.3037% | 7,074 |
| Noncurrent assets plus other real estate owned to assets | 5.2292% | 1,110 |
| Noncurrent loans to loans | 9.2648% | 463 |
| Net loans and leases to total assets | 55.3801% | 6,217 |
| Net loans and leases to deposits | 63.1902% | 6,568 |
| Net loans and leases to core deposits | 84.2616% | 6,023 |
| Total domestic deposits to total assets | 87.6404% | 1,831 |
| Equity capital to assets | 12.0965% | 2,190 |
| Core capital (leverage) ratio | 9.0649% | 4,549 |
| Tier 1 risk-based capital ratio | 14.8794% | 3,102 |
| Total risk-based capital ratio | 16.1543% | 3,025 |
| Memoranda: | ||
| Average total assets | $76,933,500 | 5,849 |
| Average earning assets | $71,780,750 | 5,790 |
| Average equity | $11,317,500 | 4,972 |
| Average total loans | $46,107,250 | 5,878 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6565% | 7,456 |
| Cost of funding earning assets | 1.9781% | 3,881 |
| Net interest margin | 2.6784% | 7,246 |
| Noninterest income to average assets | 0.0437% | 7,766 |
| Noninterest expense to average assets | 4.0305% | 1,274 |
| Loan and lease loss provision to assets | 4.1179% | 300 |
| Net operating income to assets | -3.5441% | 7,770 |
| Return on assets (ROA) | -3.5441% | 7,770 |
| Pretax return on assets | -5.6072% | 7,928 |
| Return on Equity (ROE) | -22.4874% | 7,574 |
| Retained earnings to average equity (ytd only) | -22.4874% | 7,531 |
| Net charge-offs to loans | 7.4047% | 118 |
| Credit loss provision to net charge-offs | 90.6739% | 4,901 |
| Earnings coverage of net charge-offs (x) | -0.3279% | 5,973 |
| Efficiency ratio | 158.6022% | 332 |
| Assets per employee ($millions) | 4.5568% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2804% | 4,392 |
| Loan loss allowance to noncurrent loans | 13.1489% | 7,423 |
| Noncurrent assets plus other real estate owned to assets | 5.4286% | 935 |
| Noncurrent loans to loans | 9.7373% | 370 |
| Net loans and leases to total assets | 55.0364% | 6,333 |
| Net loans and leases to deposits | 63.0675% | 6,649 |
| Net loans and leases to core deposits | 87.8406% | 5,739 |
| Total domestic deposits to total assets | 87.2660% | 2,116 |
| Equity capital to assets | 12.4568% | 1,942 |
| Core capital (leverage) ratio | 10.8875% | 2,497 |
| Tier 1 risk-based capital ratio | 16.0545% | 2,606 |
| Total risk-based capital ratio | 17.2847% | 2,555 |
| Memoranda: | ||
| Average total assets | $73,192,000 | 5,998 |
| Average earning assets | $68,248,670 | 5,941 |
| Average equity | $11,535,330 | 4,940 |
| Average total loans | $44,890,330 | 5,984 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8606% | 7,265 |
| Cost of funding earning assets | 2.1552% | 3,389 |
| Net interest margin | 2.7054% | 7,193 |
| Noninterest income to average assets | 0.0421% | 7,875 |
| Noninterest expense to average assets | 4.1084% | 1,052 |
| Loan and lease loss provision to assets | 4.1445% | 226 |
| Net operating income to assets | -3.8136% | 7,967 |
| Return on assets (ROA) | -3.8136% | 7,959 |
| Pretax return on assets | -5.6964% | 8,032 |
| Return on Equity (ROE) | -21.2921% | 7,782 |
| Retained earnings to average equity (ytd only) | -21.2921% | 7,684 |
| Net charge-offs to loans | 4.4258% | 257 |
| Credit loss provision to net charge-offs | 144.1423% | 2,854 |
| Earnings coverage of net charge-offs (x) | -0.5397% | 5,269 |
| Efficiency ratio | 160.7059% | 303 |
| Assets per employee ($millions) | 4.4930% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2215% | 1,055 |
| Loan loss allowance to noncurrent loans | 20.8034% | 7,124 |
| Noncurrent assets plus other real estate owned to assets | 6.5797% | 554 |
| Noncurrent loans to loans | 10.6786% | 248 |
| Net loans and leases to total assets | 60.2465% | 5,613 |
| Net loans and leases to deposits | 72.0069% | 5,747 |
| Net loans and leases to core deposits | 94.0785% | 5,139 |
| Total domestic deposits to total assets | 83.6676% | 3,855 |
| Equity capital to assets | 16.1348% | 851 |
| Core capital (leverage) ratio | 13.7936% | 1,236 |
| Tier 1 risk-based capital ratio | 18.1633% | 2,012 |
| Total risk-based capital ratio | 19.4237% | 1,963 |
| Memoranda: | ||
| Average total assets | $66,498,500 | 6,231 |
| Average earning assets | $61,803,000 | 6,181 |
| Average equity | $11,910,500 | 4,862 |
| Average total loans | $43,201,500 | 6,085 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8763% | 6,155 |
| Cost of funding earning assets | 2.2446% | 5,394 |
| Net interest margin | 3.6317% | 4,748 |
| Noninterest income to average assets | 0.0863% | 7,706 |
| Noninterest expense to average assets | 5.0412% | 611 |
| Loan and lease loss provision to assets | 5.1389% | 102 |
| Net operating income to assets | -4.2227% | 8,018 |
| Return on assets (ROA) | -4.2227% | 8,003 |
| Pretax return on assets | -6.6513% | 8,143 |
| Return on Equity (ROE) | -16.4893% | 7,645 |
| Retained earnings to average equity (ytd only) | -16.4893% | 7,542 |
| Net charge-offs to loans | 6.1082% | 53 |
| Credit loss provision to net charge-offs | 118.5234% | 4,544 |
| Earnings coverage of net charge-offs (x) | -0.3488% | 6,442 |
| Efficiency ratio | 142.8571% | 385 |
| Assets per employee ($millions) | 4.0739% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8357% | 1,558 |
| Loan loss allowance to noncurrent loans | 28.5240% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 4.4347% | 860 |
| Noncurrent loans to loans | 6.4357% | 499 |
| Net loans and leases to total assets | 67.6431% | 4,527 |
| Net loans and leases to deposits | 84.9731% | 4,258 |
| Net loans and leases to core deposits | 125.5612% | 2,200 |
| Total domestic deposits to total assets | 79.6053% | 5,164 |
| Equity capital to assets | 20.0003% | 466 |
| Core capital (leverage) ratio | 19.3137% | 487 |
| Tier 1 risk-based capital ratio | 21.6523% | 1,363 |
| Total risk-based capital ratio | 22.9048% | 1,325 |
| Memoranda: | ||
| Average total assets | $52,170,200 | 6,688 |
| Average earning assets | $49,452,800 | 6,617 |
| Average equity | $13,360,200 | 4,483 |
| Average total loans | $37,032,200 | 6,315 |