Home > Vantage Bank of Alabama > Performance and Condition Ratios
Vantage Bank of Alabama, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0104% | 1,507 |
| Cost of funding earning assets | 0.6745% | 3,334 |
| Net interest margin | 4.3359% | 1,084 |
| Noninterest income to average assets | 0.6715% | 1,910 |
| Noninterest expense to average assets | 2.7221% | 2,802 |
| Loan and lease loss provision to assets | 0.0566% | 2,762 |
| Net operating income to assets | 1.5212% | 1,132 |
| Return on assets (ROA) | 1.5212% | 1,188 |
| Pretax return on assets | 1.9115% | 837 |
| Return on Equity (ROE) | 11.1797% | 1,935 |
| Retained earnings to average equity (ytd only) | 11.1797% | 492 |
| Net charge-offs to loans | 0.1360% | 1,180 |
| Credit loss provision to net charge-offs | 61.7978% | 2,692 |
| Earnings coverage of net charge-offs (x) | 21.4726% | 1,912 |
| Efficiency ratio | 56.6315% | 4,102 |
| Assets per employee ($millions) | 4.8171% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 3,790 |
| Loan loss allowance to noncurrent loans | 6,546.1538% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,715 |
| Noncurrent loans to loans | 0.0146% | 4,613 |
| Net loans and leases to total assets | 65.1987% | 3,159 |
| Net loans and leases to deposits | 75.7450% | 3,319 |
| Net loans and leases to core deposits | 79.1382% | 3,457 |
| Total domestic deposits to total assets | 86.0765% | 1,963 |
| Equity capital to assets | 13.7315% | 1,260 |
| Core capital (leverage) ratio | 13.1320% | 1,286 |
| Tier 1 risk-based capital ratio | 19.9283% | 1,371 |
| Total risk-based capital ratio | 20.9155% | 1,391 |
| Memoranda: | ||
| Average total assets | $129,456,250 | 3,608 |
| Average earning assets | $119,988,500 | 3,602 |
| Average equity | $17,614,750 | 3,398 |
| Average total loans | $87,238,750 | 3,507 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9862% | 1,516 |
| Cost of funding earning assets | 0.6615% | 3,347 |
| Net interest margin | 4.3248% | 1,090 |
| Noninterest income to average assets | 0.6565% | 1,889 |
| Noninterest expense to average assets | 2.8124% | 2,543 |
| Loan and lease loss provision to assets | 0.0862% | 2,120 |
| Net operating income to assets | 1.4054% | 1,423 |
| Return on assets (ROA) | 1.4054% | 1,476 |
| Pretax return on assets | 1.7736% | 1,099 |
| Return on Equity (ROE) | 10.3624% | 2,228 |
| Retained earnings to average equity (ytd only) | 10.3624% | 660 |
| Net charge-offs to loans | 0.1268% | 1,183 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 21.5818% | 1,730 |
| Efficiency ratio | 58.7525% | 3,900 |
| Assets per employee ($millions) | 4.4722% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,576 |
| Loan loss allowance to noncurrent loans | 3,407.6923% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 4,685 |
| Noncurrent loans to loans | 0.0296% | 4,570 |
| Net loans and leases to total assets | 67.1252% | 2,948 |
| Net loans and leases to deposits | 78.0656% | 3,147 |
| Net loans and leases to core deposits | 80.9322% | 3,347 |
| Total domestic deposits to total assets | 85.9856% | 2,041 |
| Equity capital to assets | 13.8008% | 1,198 |
| Core capital (leverage) ratio | 13.0352% | 1,282 |
| Tier 1 risk-based capital ratio | 18.8863% | 1,578 |
| Total risk-based capital ratio | 19.8959% | 1,593 |
| Memoranda: | ||
| Average total assets | $127,648,330 | 3,656 |
| Average earning assets | $118,526,000 | 3,639 |
| Average equity | $17,312,670 | 3,430 |
| Average total loans | $86,721,330 | 3,537 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8850% | 1,635 |
| Cost of funding earning assets | 0.6339% | 3,385 |
| Net interest margin | 4.2510% | 1,193 |
| Noninterest income to average assets | 0.6760% | 1,698 |
| Noninterest expense to average assets | 2.8178% | 2,510 |
| Loan and lease loss provision to assets | 0.1264% | 1,387 |
| Net operating income to assets | 1.3583% | 1,496 |
| Return on assets (ROA) | 1.3583% | 1,538 |
| Pretax return on assets | 1.6932% | 1,229 |
| Return on Equity (ROE) | 10.1061% | 2,326 |
| Retained earnings to average equity (ytd only) | 10.1061% | 1,011 |
| Net charge-offs to loans | 0.0325% | 1,803 |
| Credit loss provision to net charge-offs | 571.4286% | 560 |
| Earnings coverage of net charge-offs (x) | 82.2857% | 758 |
| Efficiency ratio | 59.3324% | 3,902 |
| Assets per employee ($millions) | 4.5983% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,300 |
| Loan loss allowance to noncurrent loans | 527.5862% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 4,120 |
| Noncurrent loans to loans | 0.2028% | 3,863 |
| Net loans and leases to total assets | 65.9381% | 3,061 |
| Net loans and leases to deposits | 76.4443% | 3,219 |
| Net loans and leases to core deposits | 79.4958% | 3,410 |
| Total domestic deposits to total assets | 86.2564% | 2,162 |
| Equity capital to assets | 13.4640% | 1,219 |
| Core capital (leverage) ratio | 12.8910% | 1,325 |
| Tier 1 risk-based capital ratio | 18.5515% | 1,646 |
| Total risk-based capital ratio | 19.6104% | 1,640 |
| Memoranda: | ||
| Average total assets | $126,625,000 | 3,702 |
| Average earning assets | $117,995,000 | 3,687 |
| Average equity | $17,019,500 | 3,473 |
| Average total loans | $86,110,000 | 3,575 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8620% | 1,386 |
| Cost of funding earning assets | 0.4994% | 3,366 |
| Net interest margin | 4.3626% | 1,016 |
| Noninterest income to average assets | 0.7767% | 1,534 |
| Noninterest expense to average assets | 2.9991% | 2,044 |
| Loan and lease loss provision to assets | 0.2852% | 571 |
| Net operating income to assets | 1.2135% | 2,112 |
| Return on assets (ROA) | 1.2135% | 2,108 |
| Pretax return on assets | 1.5501% | 1,622 |
| Return on Equity (ROE) | 9.0618% | 2,964 |
| Retained earnings to average equity (ytd only) | 5.2095% | 2,658 |
| Net charge-offs to loans | 0.2149% | 894 |
| Credit loss provision to net charge-offs | 198.8636% | 1,451 |
| Earnings coverage of net charge-offs (x) | 12.7955% | 2,507 |
| Efficiency ratio | 60.6035% | 3,760 |
| Assets per employee ($millions) | 4.2931% | 3,472 |
| Cash dividends to net income (ytd only)* | 42.5118% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 3,523 |
| Loan loss allowance to noncurrent loans | 6,815.3846% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,849 |
| Noncurrent loans to loans | 0.0150% | 4,730 |
| Net loans and leases to total assets | 68.6913% | 2,780 |
| Net loans and leases to deposits | 79.9208% | 2,964 |
| Net loans and leases to core deposits | 83.0767% | 3,170 |
| Total domestic deposits to total assets | 85.9493% | 2,258 |
| Equity capital to assets | 13.4170% | 1,173 |
| Core capital (leverage) ratio | 12.6109% | 1,406 |
| Tier 1 risk-based capital ratio | 17.8398% | 1,799 |
| Total risk-based capital ratio | 18.8511% | 1,825 |
| Memoranda: | ||
| Average total assets | $122,704,800 | 3,749 |
| Average earning assets | $114,129,200 | 3,741 |
| Average equity | $16,431,600 | 3,468 |
| Average total loans | $81,901,800 | 3,628 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7886% | 1,455 |
| Cost of funding earning assets | 0.4696% | 3,396 |
| Net interest margin | 4.3190% | 1,079 |
| Noninterest income to average assets | 0.7939% | 1,494 |
| Noninterest expense to average assets | 3.0122% | 1,985 |
| Loan and lease loss provision to assets | 0.3163% | 449 |
| Net operating income to assets | 1.1593% | 2,413 |
| Return on assets (ROA) | 1.1593% | 2,414 |
| Pretax return on assets | 1.4777% | 1,976 |
| Return on Equity (ROE) | 8.6613% | 3,259 |
| Retained earnings to average equity (ytd only) | 8.6613% | 1,359 |
| Net charge-offs to loans | 0.0924% | 1,576 |
| Credit loss provision to net charge-offs | 517.8571% | 680 |
| Earnings coverage of net charge-offs (x) | 29.3769% | 1,634 |
| Efficiency ratio | 61.2208% | 3,629 |
| Assets per employee ($millions) | 4.2630% | 3,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,014 |
| Loan loss allowance to noncurrent loans | 722.1374% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 4,442 |
| Noncurrent loans to loans | 0.1568% | 4,170 |
| Net loans and leases to total assets | 66.8106% | 3,090 |
| Net loans and leases to deposits | 77.5513% | 3,276 |
| Net loans and leases to core deposits | 80.0077% | 3,497 |
| Total domestic deposits to total assets | 86.1503% | 2,121 |
| Equity capital to assets | 13.5577% | 1,118 |
| Core capital (leverage) ratio | 13.0586% | 1,253 |
| Tier 1 risk-based capital ratio | 18.8194% | 1,583 |
| Total risk-based capital ratio | 19.9453% | 1,578 |
| Memoranda: | ||
| Average total assets | $122,256,250 | 3,793 |
| Average earning assets | $113,572,750 | 3,789 |
| Average equity | $16,363,500 | 3,495 |
| Average total loans | $80,775,750 | 3,680 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 1,537 |
| Cost of funding earning assets | 0.4325% | 3,481 |
| Net interest margin | 4.2540% | 1,150 |
| Noninterest income to average assets | 0.7685% | 1,579 |
| Noninterest expense to average assets | 3.0230% | 1,985 |
| Loan and lease loss provision to assets | 0.2627% | 582 |
| Net operating income to assets | 1.1445% | 2,417 |
| Return on assets (ROA) | 1.1445% | 2,422 |
| Pretax return on assets | 1.4401% | 2,020 |
| Return on Equity (ROE) | 8.5885% | 3,215 |
| Retained earnings to average equity (ytd only) | 8.5885% | 1,361 |
| Net charge-offs to loans | 0.1478% | 1,040 |
| Credit loss provision to net charge-offs | 271.1864% | 1,086 |
| Earnings coverage of net charge-offs (x) | 17.5763% | 1,945 |
| Efficiency ratio | 62.4739% | 3,564 |
| Assets per employee ($millions) | 4.5660% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 3,737 |
| Loan loss allowance to noncurrent loans | 271.0000% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2466% | 3,775 |
| Noncurrent loans to loans | 0.3750% | 3,350 |
| Net loans and leases to total assets | 64.2381% | 3,370 |
| Net loans and leases to deposits | 74.3166% | 3,505 |
| Net loans and leases to core deposits | 75.7207% | 3,762 |
| Total domestic deposits to total assets | 86.4384% | 2,079 |
| Equity capital to assets | 13.3823% | 1,145 |
| Core capital (leverage) ratio | 12.7190% | 1,340 |
| Tier 1 risk-based capital ratio | 18.8825% | 1,582 |
| Total risk-based capital ratio | 19.8778% | 1,608 |
| Memoranda: | ||
| Average total assets | $121,799,330 | 3,829 |
| Average earning assets | $113,304,330 | 3,822 |
| Average equity | $16,231,000 | 3,530 |
| Average total loans | $79,853,670 | 3,712 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6217% | 1,508 |
| Cost of funding earning assets | 0.4076% | 3,529 |
| Net interest margin | 4.2141% | 1,148 |
| Noninterest income to average assets | 0.8062% | 1,432 |
| Noninterest expense to average assets | 2.9936% | 2,079 |
| Loan and lease loss provision to assets | 0.2148% | 741 |
| Net operating income to assets | 1.2060% | 1,975 |
| Return on assets (ROA) | 1.2060% | 1,985 |
| Pretax return on assets | 1.5265% | 1,604 |
| Return on Equity (ROE) | 9.0697% | 2,880 |
| Retained earnings to average equity (ytd only) | 9.0697% | 1,438 |
| Net charge-offs to loans | 0.2056% | 717 |
| Credit loss provision to net charge-offs | 158.5366% | 1,197 |
| Earnings coverage of net charge-offs (x) | 12.8537% | 1,784 |
| Efficiency ratio | 61.7585% | 3,829 |
| Assets per employee ($millions) | 4.1934% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9135% | 4,383 |
| Loan loss allowance to noncurrent loans | 507.5862% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 4,191 |
| Noncurrent loans to loans | 0.1800% | 4,161 |
| Net loans and leases to total assets | 65.6511% | 3,096 |
| Net loans and leases to deposits | 75.9607% | 3,217 |
| Net loans and leases to core deposits | 77.5953% | 3,530 |
| Total domestic deposits to total assets | 86.4277% | 2,348 |
| Equity capital to assets | 13.3083% | 1,111 |
| Core capital (leverage) ratio | 12.7240% | 1,281 |
| Tier 1 risk-based capital ratio | 18.4455% | 1,709 |
| Total risk-based capital ratio | 19.3465% | 1,759 |
| Memoranda: | ||
| Average total assets | $121,058,000 | 3,889 |
| Average earning assets | $112,858,000 | 3,870 |
| Average equity | $16,097,500 | 3,578 |
| Average total loans | $79,777,000 | 3,748 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 1,272 |
| Cost of funding earning assets | 0.3547% | 3,663 |
| Net interest margin | 4.3109% | 945 |
| Noninterest income to average assets | 0.8099% | 1,533 |
| Noninterest expense to average assets | 3.0155% | 2,130 |
| Loan and lease loss provision to assets | 0.1790% | 1,207 |
| Net operating income to assets | 1.1348% | 1,735 |
| Return on assets (ROA) | 1.1348% | 1,769 |
| Pretax return on assets | 1.6352% | 1,202 |
| Return on Equity (ROE) | 8.4695% | 2,565 |
| Retained earnings to average equity (ytd only) | 5.8860% | 1,605 |
| Net charge-offs to loans | 0.3308% | 769 |
| Credit loss provision to net charge-offs | 85.0202% | 2,865 |
| Earnings coverage of net charge-offs (x) | 8.6154% | 2,888 |
| Efficiency ratio | 60.9356% | 4,124 |
| Assets per employee ($millions) | 4.1554% | 3,729 |
| Cash dividends to net income (ytd only)* | 30.5034% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 4,468 |
| Loan loss allowance to noncurrent loans | 378.7234% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 4,221 |
| Noncurrent loans to loans | 0.2380% | 3,950 |
| Net loans and leases to total assets | 64.9492% | 3,240 |
| Net loans and leases to deposits | 75.4015% | 3,392 |
| Net loans and leases to core deposits | 78.5825% | 3,539 |
| Total domestic deposits to total assets | 86.1378% | 2,377 |
| Equity capital to assets | 13.2863% | 1,135 |
| Core capital (leverage) ratio | 12.3006% | 1,446 |
| Tier 1 risk-based capital ratio | 16.7200% | 2,188 |
| Total risk-based capital ratio | 17.5286% | 2,277 |
| Memoranda: | ||
| Average total assets | $117,294,200 | 3,942 |
| Average earning assets | $109,374,600 | 3,931 |
| Average equity | $15,715,200 | 3,637 |
| Average total loans | $74,676,400 | 3,855 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6232% | 1,312 |
| Cost of funding earning assets | 0.3464% | 3,707 |
| Net interest margin | 4.2768% | 979 |
| Noninterest income to average assets | 0.8161% | 1,526 |
| Noninterest expense to average assets | 3.0262% | 2,038 |
| Loan and lease loss provision to assets | 0.1545% | 1,340 |
| Net operating income to assets | 1.1446% | 1,896 |
| Return on assets (ROA) | 1.1446% | 1,948 |
| Pretax return on assets | 1.6207% | 1,349 |
| Return on Equity (ROE) | 8.5243% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.5243% | 1,006 |
| Net charge-offs to loans | 0.3080% | 684 |
| Credit loss provision to net charge-offs | 79.4118% | 2,592 |
| Earnings coverage of net charge-offs (x) | 9.1236% | 2,722 |
| Efficiency ratio | 61.5018% | 3,956 |
| Assets per employee ($millions) | 4.4353% | 3,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 4,332 |
| Loan loss allowance to noncurrent loans | 369.9482% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 4,107 |
| Noncurrent loans to loans | 0.2563% | 4,043 |
| Net loans and leases to total assets | 62.2785% | 3,618 |
| Net loans and leases to deposits | 72.2593% | 3,743 |
| Net loans and leases to core deposits | 75.5878% | 3,831 |
| Total domestic deposits to total assets | 86.1875% | 2,237 |
| Equity capital to assets | 13.5553% | 1,132 |
| Core capital (leverage) ratio | 12.5780% | 1,386 |
| Tier 1 risk-based capital ratio | 18.9864% | 1,589 |
| Total risk-based capital ratio | 19.8974% | 1,642 |
| Memoranda: | ||
| Average total assets | $116,490,750 | 3,989 |
| Average earning assets | $108,551,500 | 3,984 |
| Average equity | $15,641,250 | 3,677 |
| Average total loans | $73,600,250 | 3,916 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 1,211 |
| Cost of funding earning assets | 0.3359% | 3,739 |
| Net interest margin | 4.2864% | 892 |
| Noninterest income to average assets | 0.8180% | 1,509 |
| Noninterest expense to average assets | 3.0606% | 1,937 |
| Loan and lease loss provision to assets | 0.1300% | 1,600 |
| Net operating income to assets | 1.1282% | 1,860 |
| Return on assets (ROA) | 1.1282% | 1,914 |
| Pretax return on assets | 1.6083% | 1,318 |
| Return on Equity (ROE) | 8.4305% | 2,815 |
| Retained earnings to average equity (ytd only) | 8.4305% | 1,021 |
| Net charge-offs to loans | 0.1534% | 1,236 |
| Credit loss provision to net charge-offs | 133.9286% | 1,644 |
| Earnings coverage of net charge-offs (x) | 17.9107% | 1,905 |
| Efficiency ratio | 62.2246% | 3,949 |
| Assets per employee ($millions) | 4.3851% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,889 |
| Loan loss allowance to noncurrent loans | 344.3946% | 1,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2424% | 4,171 |
| Noncurrent loans to loans | 0.3028% | 3,952 |
| Net loans and leases to total assets | 61.5546% | 3,679 |
| Net loans and leases to deposits | 71.2902% | 3,801 |
| Net loans and leases to core deposits | 73.6541% | 3,967 |
| Total domestic deposits to total assets | 86.3436% | 2,220 |
| Equity capital to assets | 13.4182% | 1,180 |
| Core capital (leverage) ratio | 12.4853% | 1,377 |
| Tier 1 risk-based capital ratio | 19.4047% | 1,497 |
| Total risk-based capital ratio | 20.4317% | 1,501 |
| Memoranda: | ||
| Average total assets | $115,403,000 | 4,037 |
| Average earning assets | $107,176,670 | 4,029 |
| Average equity | $15,444,000 | 3,708 |
| Average total loans | $73,035,330 | 3,946 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 1,048 |
| Cost of funding earning assets | 0.3217% | 3,835 |
| Net interest margin | 4.3184% | 750 |
| Noninterest income to average assets | 0.7936% | 1,577 |
| Noninterest expense to average assets | 3.0692% | 1,957 |
| Loan and lease loss provision to assets | 0.1229% | 1,562 |
| Net operating income to assets | 1.1273% | 1,762 |
| Return on assets (ROA) | 1.1273% | 1,797 |
| Pretax return on assets | 1.6084% | 1,212 |
| Return on Equity (ROE) | 8.4349% | 2,704 |
| Retained earnings to average equity (ytd only) | 8.4349% | 1,298 |
| Net charge-offs to loans | 0.1375% | 1,111 |
| Credit loss provision to net charge-offs | 140.0000% | 1,261 |
| Earnings coverage of net charge-offs (x) | 19.7200% | 1,515 |
| Efficiency ratio | 62.3994% | 4,095 |
| Assets per employee ($millions) | 4.2620% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 4,032 |
| Loan loss allowance to noncurrent loans | 509.3960% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 4,415 |
| Noncurrent loans to loans | 0.2042% | 4,385 |
| Net loans and leases to total assets | 62.7426% | 3,435 |
| Net loans and leases to deposits | 72.7048% | 3,543 |
| Net loans and leases to core deposits | 74.5863% | 3,780 |
| Total domestic deposits to total assets | 86.2976% | 2,538 |
| Equity capital to assets | 13.4095% | 1,106 |
| Core capital (leverage) ratio | 12.6973% | 1,251 |
| Tier 1 risk-based capital ratio | 19.1677% | 1,572 |
| Total risk-based capital ratio | 20.1952% | 1,589 |
| Memoranda: | ||
| Average total assets | $113,905,000 | 4,097 |
| Average earning assets | $105,688,000 | 4,090 |
| Average equity | $15,222,500 | 3,754 |
| Average total loans | $72,729,000 | 3,982 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5503% | 1,405 |
| Cost of funding earning assets | 0.3527% | 3,489 |
| Net interest margin | 4.1976% | 1,119 |
| Noninterest income to average assets | 0.8135% | 1,698 |
| Noninterest expense to average assets | 3.0472% | 2,190 |
| Loan and lease loss provision to assets | 0.0710% | 2,940 |
| Net operating income to assets | 1.1483% | 1,701 |
| Return on assets (ROA) | 1.1483% | 1,790 |
| Pretax return on assets | 1.5960% | 1,299 |
| Return on Equity (ROE) | 8.6244% | 2,604 |
| Retained earnings to average equity (ytd only) | 6.1098% | 1,649 |
| Net charge-offs to loans | 0.0766% | 2,602 |
| Credit loss provision to net charge-offs | 148.1481% | 1,851 |
| Earnings coverage of net charge-offs (x) | 34.7593% | 1,307 |
| Efficiency ratio | 63.0369% | 4,097 |
| Assets per employee ($millions) | 4.0263% | 3,920 |
| Cash dividends to net income (ytd only)* | 29.1570% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 4,125 |
| Loan loss allowance to noncurrent loans | 56.5710% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 1.1744% | 1,553 |
| Noncurrent loans to loans | 1.8263% | 1,038 |
| Net loans and leases to total assets | 63.6439% | 3,403 |
| Net loans and leases to deposits | 73.9056% | 3,522 |
| Net loans and leases to core deposits | 76.4744% | 3,710 |
| Total domestic deposits to total assets | 86.1152% | 2,526 |
| Equity capital to assets | 13.3180% | 1,125 |
| Core capital (leverage) ratio | 12.4376% | 1,364 |
| Tier 1 risk-based capital ratio | 18.2006% | 1,799 |
| Total risk-based capital ratio | 19.1781% | 1,830 |
| Memoranda: | ||
| Average total assets | $112,596,800 | 4,116 |
| Average earning assets | $104,630,400 | 4,101 |
| Average equity | $14,992,400 | 3,810 |
| Average total loans | $70,464,600 | 4,034 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5455% | 1,418 |
| Cost of funding earning assets | 0.3592% | 3,441 |
| Net interest margin | 4.1863% | 1,157 |
| Noninterest income to average assets | 0.8055% | 1,743 |
| Noninterest expense to average assets | 3.0205% | 2,262 |
| Loan and lease loss provision to assets | 0.0592% | 3,073 |
| Net operating income to assets | 1.1525% | 1,800 |
| Return on assets (ROA) | 1.1525% | 1,897 |
| Pretax return on assets | 1.6192% | 1,335 |
| Return on Equity (ROE) | 8.6562% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.6562% | 922 |
| Net charge-offs to loans | 0.0553% | 2,571 |
| Credit loss provision to net charge-offs | 172.4138% | 1,616 |
| Earnings coverage of net charge-offs (x) | 48.8567% | 1,091 |
| Efficiency ratio | 62.6670% | 4,114 |
| Assets per employee ($millions) | 4.0358% | 3,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 4,178 |
| Loan loss allowance to noncurrent loans | 64.6957% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 1.0486% | 1,966 |
| Noncurrent loans to loans | 1.6078% | 1,339 |
| Net loans and leases to total assets | 62.6364% | 3,562 |
| Net loans and leases to deposits | 72.8192% | 3,721 |
| Net loans and leases to core deposits | 75.3430% | 3,898 |
| Total domestic deposits to total assets | 86.0163% | 2,338 |
| Equity capital to assets | 13.7129% | 1,158 |
| Core capital (leverage) ratio | 12.5359% | 1,385 |
| Tier 1 risk-based capital ratio | 19.4924% | 1,552 |
| Total risk-based capital ratio | 20.5294% | 1,565 |
| Memoranda: | ||
| Average total assets | $112,562,250 | 4,148 |
| Average earning assets | $104,687,500 | 4,128 |
| Average equity | $14,987,000 | 3,836 |
| Average total loans | $69,956,250 | 4,076 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4852% | 1,561 |
| Cost of funding earning assets | 0.3688% | 3,365 |
| Net interest margin | 4.1163% | 1,328 |
| Noninterest income to average assets | 0.7988% | 1,719 |
| Noninterest expense to average assets | 3.0370% | 2,235 |
| Loan and lease loss provision to assets | 0.0712% | 2,711 |
| Net operating income to assets | 1.0870% | 2,003 |
| Return on assets (ROA) | 1.0870% | 2,136 |
| Pretax return on assets | 1.5229% | 1,605 |
| Return on Equity (ROE) | 8.2471% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.2471% | 1,093 |
| Net charge-offs to loans | 0.0317% | 2,830 |
| Credit loss provision to net charge-offs | 363.6364% | 834 |
| Earnings coverage of net charge-offs (x) | 81.4545% | 694 |
| Efficiency ratio | 63.9262% | 4,032 |
| Assets per employee ($millions) | 4.4477% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 4,199 |
| Loan loss allowance to noncurrent loans | 65.1082% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.0387% | 2,049 |
| Noncurrent loans to loans | 1.6202% | 1,321 |
| Net loans and leases to total assets | 63.4353% | 3,446 |
| Net loans and leases to deposits | 73.6958% | 3,631 |
| Net loans and leases to core deposits | 76.2846% | 3,793 |
| Total domestic deposits to total assets | 86.0772% | 2,384 |
| Equity capital to assets | 13.6790% | 1,153 |
| Core capital (leverage) ratio | 12.0927% | 1,562 |
| Tier 1 risk-based capital ratio | 19.1265% | 1,662 |
| Total risk-based capital ratio | 20.1833% | 1,675 |
| Memoranda: | ||
| Average total assets | $112,415,330 | 4,177 |
| Average earning assets | $104,656,330 | 4,158 |
| Average equity | $14,817,330 | 3,887 |
| Average total loans | $69,433,330 | 4,103 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 1,644 |
| Cost of funding earning assets | 0.3775% | 3,326 |
| Net interest margin | 4.0767% | 1,407 |
| Noninterest income to average assets | 0.7609% | 1,773 |
| Noninterest expense to average assets | 2.8878% | 2,742 |
| Loan and lease loss provision to assets | 0.1062% | 1,923 |
| Net operating income to assets | 1.1219% | 1,825 |
| Return on assets (ROA) | 1.1219% | 1,924 |
| Pretax return on assets | 1.5501% | 1,439 |
| Return on Equity (ROE) | 8.6725% | 2,571 |
| Retained earnings to average equity (ytd only) | 8.6725% | 1,205 |
| Net charge-offs to loans | -0.0117% | 4,593 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9159% | 4,460 |
| Assets per employee ($millions) | 4.3860% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 4,102 |
| Loan loss allowance to noncurrent loans | 67.1708% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 0.9856% | 2,240 |
| Noncurrent loans to loans | 1.6243% | 1,416 |
| Net loans and leases to total assets | 60.0191% | 3,769 |
| Net loans and leases to deposits | 69.1745% | 3,935 |
| Net loans and leases to core deposits | 71.5186% | 4,100 |
| Total domestic deposits to total assets | 86.7648% | 2,320 |
| Equity capital to assets | 12.9958% | 1,412 |
| Core capital (leverage) ratio | 11.9374% | 1,649 |
| Tier 1 risk-based capital ratio | 18.1453% | 1,944 |
| Total risk-based capital ratio | 19.1756% | 1,973 |
| Memoranda: | ||
| Average total assets | $113,027,000 | 4,202 |
| Average earning assets | $104,890,000 | 4,191 |
| Average equity | $14,621,000 | 3,912 |
| Average total loans | $68,506,500 | 4,147 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 2,286 |
| Cost of funding earning assets | 0.4707% | 2,436 |
| Net interest margin | 3.8076% | 2,346 |
| Noninterest income to average assets | 0.7394% | 2,028 |
| Noninterest expense to average assets | 2.8171% | 3,160 |
| Loan and lease loss provision to assets | 0.1017% | 2,288 |
| Net operating income to assets | 0.9561% | 2,590 |
| Return on assets (ROA) | 0.9561% | 2,665 |
| Pretax return on assets | 1.3480% | 2,104 |
| Return on Equity (ROE) | 7.6999% | 3,135 |
| Retained earnings to average equity (ytd only) | 3.0344% | 3,893 |
| Net charge-offs to loans | 0.1195% | 2,178 |
| Credit loss provision to net charge-offs | 147.4359% | 1,802 |
| Earnings coverage of net charge-offs (x) | 21.0128% | 1,841 |
| Efficiency ratio | 64.2620% | 4,206 |
| Assets per employee ($millions) | 4.3083% | 3,368 |
| Cash dividends to net income (ytd only)* | 60.5920% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0662% | 4,232 |
| Loan loss allowance to noncurrent loans | 64.2667% | 4,536 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 2,188 |
| Noncurrent loans to loans | 1.6589% | 1,375 |
| Net loans and leases to total assets | 59.8936% | 3,854 |
| Net loans and leases to deposits | 69.0819% | 4,023 |
| Net loans and leases to core deposits | 71.8781% | 4,143 |
| Total domestic deposits to total assets | 86.6993% | 2,274 |
| Equity capital to assets | 12.8748% | 1,416 |
| Core capital (leverage) ratio | 11.6507% | 1,850 |
| Tier 1 risk-based capital ratio | 19.1464% | 1,670 |
| Total risk-based capital ratio | 20.2024% | 1,675 |
| Memoranda: | ||
| Average total assets | $113,058,800 | 4,192 |
| Average earning assets | $104,738,400 | 4,169 |
| Average equity | $14,039,200 | 3,966 |
| Average total loans | $65,285,400 | 4,224 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2353% | 2,459 |
| Cost of funding earning assets | 0.4880% | 2,331 |
| Net interest margin | 3.7473% | 2,571 |
| Noninterest income to average assets | 0.7012% | 2,221 |
| Noninterest expense to average assets | 2.7932% | 3,217 |
| Loan and lease loss provision to assets | 0.1118% | 2,017 |
| Net operating income to assets | 0.8977% | 2,971 |
| Return on assets (ROA) | 0.8977% | 3,056 |
| Pretax return on assets | 1.2660% | 2,527 |
| Return on Equity (ROE) | 7.2959% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.1047% | 1,637 |
| Net charge-offs to loans | 0.1444% | 1,682 |
| Credit loss provision to net charge-offs | 135.7143% | 1,816 |
| Earnings coverage of net charge-offs (x) | 16.7287% | 2,098 |
| Efficiency ratio | 65.1622% | 4,040 |
| Assets per employee ($millions) | 4.3137% | 3,300 |
| Cash dividends to net income (ytd only)* | 2.6216% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 4,361 |
| Loan loss allowance to noncurrent loans | 60.4592% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 2,182 |
| Noncurrent loans to loans | 1.7766% | 1,337 |
| Net loans and leases to total assets | 58.3865% | 4,092 |
| Net loans and leases to deposits | 67.0860% | 4,274 |
| Net loans and leases to core deposits | 70.3615% | 4,341 |
| Total domestic deposits to total assets | 87.0323% | 2,026 |
| Equity capital to assets | 12.7947% | 1,570 |
| Core capital (leverage) ratio | 11.5823% | 1,971 |
| Tier 1 risk-based capital ratio | 19.1053% | 1,746 |
| Total risk-based capital ratio | 20.1492% | 1,766 |
| Memoranda: | ||
| Average total assets | $113,319,250 | 4,238 |
| Average earning assets | $104,926,000 | 4,211 |
| Average equity | $13,943,500 | 4,028 |
| Average total loans | $64,653,250 | 4,286 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 2,567 |
| Cost of funding earning assets | 0.4894% | 2,357 |
| Net interest margin | 3.7017% | 2,698 |
| Noninterest income to average assets | 0.6561% | 2,445 |
| Noninterest expense to average assets | 2.7896% | 3,273 |
| Loan and lease loss provision to assets | 0.1495% | 1,426 |
| Net operating income to assets | 0.8109% | 3,324 |
| Return on assets (ROA) | 0.8109% | 3,431 |
| Pretax return on assets | 1.1363% | 3,025 |
| Return on Equity (ROE) | 6.6773% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.6773% | 1,860 |
| Net charge-offs to loans | 0.2183% | 1,169 |
| Credit loss provision to net charge-offs | 121.4286% | 1,788 |
| Earnings coverage of net charge-offs (x) | 10.4429% | 2,361 |
| Efficiency ratio | 66.5947% | 3,899 |
| Assets per employee ($millions) | 4.2945% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 4,350 |
| Loan loss allowance to noncurrent loans | 59.3565% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.0980% | 2,313 |
| Noncurrent loans to loans | 1.8444% | 1,374 |
| Net loans and leases to total assets | 56.7197% | 4,254 |
| Net loans and leases to deposits | 64.9422% | 4,447 |
| Net loans and leases to core deposits | 68.1096% | 4,483 |
| Total domestic deposits to total assets | 87.3388% | 1,993 |
| Equity capital to assets | 12.5188% | 1,648 |
| Core capital (leverage) ratio | 11.4289% | 2,050 |
| Tier 1 risk-based capital ratio | 48.5426% | 160 |
| Total risk-based capital ratio | 49.8097% | 159 |
| Memoranda: | ||
| Average total assets | $113,707,000 | 4,259 |
| Average earning assets | $105,031,670 | 4,244 |
| Average equity | $13,808,000 | 4,081 |
| Average total loans | $64,139,330 | 4,334 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1401% | 2,674 |
| Cost of funding earning assets | 0.4924% | 2,355 |
| Net interest margin | 3.6477% | 2,824 |
| Noninterest income to average assets | 0.5578% | 2,905 |
| Noninterest expense to average assets | 2.8240% | 3,162 |
| Loan and lease loss provision to assets | 0.1743% | 1,123 |
| Net operating income to assets | 0.6589% | 4,013 |
| Return on assets (ROA) | 0.6589% | 4,132 |
| Pretax return on assets | 0.9169% | 3,823 |
| Return on Equity (ROE) | 5.5090% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.5090% | 2,771 |
| Net charge-offs to loans | -0.0187% | 5,011 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2582% | 3,436 |
| Assets per employee ($millions) | 4.5516% | 2,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 4,226 |
| Loan loss allowance to noncurrent loans | 58.3728% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 1.0698% | 2,476 |
| Noncurrent loans to loans | 1.9814% | 1,317 |
| Net loans and leases to total assets | 53.3665% | 4,509 |
| Net loans and leases to deposits | 60.5449% | 4,700 |
| Net loans and leases to core deposits | 63.2733% | 4,763 |
| Total domestic deposits to total assets | 88.1437% | 1,736 |
| Equity capital to assets | 11.7220% | 2,267 |
| Core capital (leverage) ratio | 11.2242% | 2,212 |
| Tier 1 risk-based capital ratio | 40.7799% | 250 |
| Total risk-based capital ratio | 42.0459% | 249 |
| Memoranda: | ||
| Average total assets | $114,732,500 | 4,274 |
| Average earning assets | $105,600,500 | 4,258 |
| Average equity | $13,723,000 | 4,123 |
| Average total loans | $64,193,000 | 4,360 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 1,665 |
| Cost of funding earning assets | 0.5200% | 2,489 |
| Net interest margin | 4.0399% | 1,774 |
| Noninterest income to average assets | 0.5707% | 3,043 |
| Noninterest expense to average assets | 3.0934% | 2,536 |
| Loan and lease loss provision to assets | 0.6561% | 200 |
| Net operating income to assets | 0.3998% | 5,228 |
| Return on assets (ROA) | 0.3998% | 5,291 |
| Pretax return on assets | 0.5747% | 5,018 |
| Return on Equity (ROE) | 2.9788% | 5,485 |
| Retained earnings to average equity (ytd only) | 1.3643% | 5,164 |
| Net charge-offs to loans | 0.8852% | 367 |
| Credit loss provision to net charge-offs | 122.8571% | 1,949 |
| Earnings coverage of net charge-offs (x) | 2.3048% | 4,195 |
| Efficiency ratio | 70.3599% | 3,474 |
| Assets per employee ($millions) | 4.2729% | 3,415 |
| Cash dividends to net income (ytd only)* | 54.1985% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 4,741 |
| Loan loss allowance to noncurrent loans | 56.3681% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 1.0955% | 2,557 |
| Noncurrent loans to loans | 1.8871% | 1,497 |
| Net loans and leases to total assets | 57.4337% | 4,131 |
| Net loans and leases to deposits | 65.6299% | 4,367 |
| Net loans and leases to core deposits | 68.8240% | 4,422 |
| Total domestic deposits to total assets | 87.5116% | 2,028 |
| Equity capital to assets | 12.1095% | 1,941 |
| Core capital (leverage) ratio | 10.6611% | 2,768 |
| Tier 1 risk-based capital ratio | 15.6310% | 3,172 |
| Total risk-based capital ratio | 16.5505% | 3,267 |
| Memoranda: | ||
| Average total assets | $98,305,400 | 4,644 |
| Average earning assets | $91,338,800 | 4,622 |
| Average equity | $13,193,200 | 4,157 |
| Average total loans | $59,305,400 | 4,507 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5329% | 1,760 |
| Cost of funding earning assets | 0.5142% | 2,614 |
| Net interest margin | 4.0187% | 1,827 |
| Noninterest income to average assets | 0.5734% | 3,046 |
| Noninterest expense to average assets | 3.1879% | 2,213 |
| Loan and lease loss provision to assets | 0.9042% | 125 |
| Net operating income to assets | 0.1472% | 5,952 |
| Return on assets (ROA) | 0.1472% | 5,984 |
| Pretax return on assets | 0.2173% | 5,922 |
| Return on Equity (ROE) | 1.0664% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.0664% | 5,459 |
| Net charge-offs to loans | 1.0412% | 287 |
| Credit loss provision to net charge-offs | 142.3841% | 1,657 |
| Earnings coverage of net charge-offs (x) | 1.7660% | 4,081 |
| Efficiency ratio | 73.0644% | 2,977 |
| Assets per employee ($millions) | 4.2410% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 4,309 |
| Loan loss allowance to noncurrent loans | 60.4948% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1364% | 2,681 |
| Noncurrent loans to loans | 1.9588% | 1,627 |
| Net loans and leases to total assets | 57.3246% | 4,164 |
| Net loans and leases to deposits | 65.3046% | 4,403 |
| Net loans and leases to core deposits | 68.3038% | 4,480 |
| Total domestic deposits to total assets | 87.7803% | 1,877 |
| Equity capital to assets | 12.0863% | 1,985 |
| Core capital (leverage) ratio | 10.6547% | 2,855 |
| Tier 1 risk-based capital ratio | 15.7063% | 3,207 |
| Total risk-based capital ratio | 16.7359% | 3,269 |
| Memoranda: | ||
| Average total assets | $95,108,000 | 4,767 |
| Average earning assets | $88,417,750 | 4,740 |
| Average equity | $13,128,250 | 4,193 |
| Average total loans | $58,008,750 | 4,590 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4854% | 1,879 |
| Cost of funding earning assets | 0.4933% | 2,898 |
| Net interest margin | 3.9921% | 1,827 |
| Noninterest income to average assets | 0.5263% | 3,295 |
| Noninterest expense to average assets | 3.2780% | 1,974 |
| Loan and lease loss provision to assets | 0.9328% | 120 |
| Net operating income to assets | -0.0711% | 6,241 |
| Return on assets (ROA) | -0.0711% | 6,253 |
| Pretax return on assets | 0.0178% | 6,183 |
| Return on Equity (ROE) | -0.4900% | 6,241 |
| Retained earnings to average equity (ytd only) | -0.4900% | 5,769 |
| Net charge-offs to loans | 1.5172% | 184 |
| Credit loss provision to net charge-offs | 98.8235% | 2,040 |
| Earnings coverage of net charge-offs (x) | 1.0071% | 3,911 |
| Efficiency ratio | 77.1534% | 2,433 |
| Assets per employee ($millions) | 4.1851% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9064% | 5,707 |
| Loan loss allowance to noncurrent loans | 43.7256% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 3.3222% | 732 |
| Noncurrent loans to loans | 2.0730% | 1,614 |
| Net loans and leases to total assets | 56.3628% | 4,228 |
| Net loans and leases to deposits | 64.1682% | 4,479 |
| Net loans and leases to core deposits | 67.1462% | 4,539 |
| Total domestic deposits to total assets | 87.8360% | 2,009 |
| Equity capital to assets | 12.0620% | 1,934 |
| Core capital (leverage) ratio | 11.7398% | 1,829 |
| Tier 1 risk-based capital ratio | 15.8392% | 3,178 |
| Total risk-based capital ratio | 16.6187% | 3,376 |
| Memoranda: | ||
| Average total assets | $90,055,670 | 4,929 |
| Average earning assets | $83,514,670 | 4,888 |
| Average equity | $13,062,000 | 4,209 |
| Average total loans | $56,022,670 | 4,693 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4114% | 2,095 |
| Cost of funding earning assets | 0.4638% | 3,275 |
| Net interest margin | 3.9476% | 1,936 |
| Noninterest income to average assets | 0.3719% | 4,413 |
| Noninterest expense to average assets | 2.8806% | 3,281 |
| Loan and lease loss provision to assets | 0.9668% | 114 |
| Net operating income to assets | 0.1339% | 5,960 |
| Return on assets (ROA) | 0.1339% | 5,996 |
| Pretax return on assets | 0.2380% | 5,854 |
| Return on Equity (ROE) | 0.8288% | 6,073 |
| Retained earnings to average equity (ytd only) | 0.8288% | 5,260 |
| Net charge-offs to loans | 3.1947% | 59 |
| Credit loss provision to net charge-offs | 45.9906% | 2,248 |
| Earnings coverage of net charge-offs (x) | 0.5731% | 3,316 |
| Efficiency ratio | 70.5097% | 3,743 |
| Assets per employee ($millions) | 4.5429% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6477% | 6,345 |
| Loan loss allowance to noncurrent loans | 26.6193% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 2.1597% | 1,539 |
| Noncurrent loans to loans | 2.4331% | 1,439 |
| Net loans and leases to total assets | 63.2197% | 3,030 |
| Net loans and leases to deposits | 75.4004% | 2,885 |
| Net loans and leases to core deposits | 79.4236% | 3,041 |
| Total domestic deposits to total assets | 83.8453% | 4,325 |
| Equity capital to assets | 16.0250% | 522 |
| Core capital (leverage) ratio | 15.9362% | 488 |
| Tier 1 risk-based capital ratio | 22.1888% | 1,260 |
| Total risk-based capital ratio | 22.7721% | 1,345 |
| Memoranda: | ||
| Average total assets | $80,677,000 | 5,195 |
| Average earning assets | $75,894,500 | 5,118 |
| Average equity | $13,030,500 | 4,229 |
| Average total loans | $53,088,500 | 4,823 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8481% | 1,200 |
| Cost of funding earning assets | 0.5544% | 3,076 |
| Net interest margin | 4.2937% | 1,121 |
| Noninterest income to average assets | 0.3936% | 4,494 |
| Noninterest expense to average assets | 2.8207% | 3,652 |
| Loan and lease loss provision to assets | 0.2282% | 1,592 |
| Net operating income to assets | 0.9539% | 2,550 |
| Return on assets (ROA) | 0.9539% | 2,621 |
| Pretax return on assets | 1.3860% | 1,838 |
| Return on Equity (ROE) | 5.7855% | 4,219 |
| Retained earnings to average equity (ytd only) | 4.1369% | 3,228 |
| Net charge-offs to loans | 0.3447% | 1,956 |
| Credit loss provision to net charge-offs | 96.2162% | 2,598 |
| Earnings coverage of net charge-offs (x) | 6.8054% | 2,979 |
| Efficiency ratio | 63.6022% | 4,972 |
| Assets per employee ($millions) | 4.4212% | 3,048 |
| Cash dividends to net income (ytd only)* | 28.4946% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 5,362 |
| Loan loss allowance to noncurrent loans | 148.5564% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 4,805 |
| Noncurrent loans to loans | 0.7037% | 4,213 |
| Net loans and leases to total assets | 67.3243% | 2,470 |
| Net loans and leases to deposits | 80.8615% | 2,336 |
| Net loans and leases to core deposits | 84.4679% | 2,624 |
| Total domestic deposits to total assets | 83.2588% | 4,447 |
| Equity capital to assets | 16.2813% | 487 |
| Core capital (leverage) ratio | 16.2284% | 448 |
| Tier 1 risk-based capital ratio | 22.0913% | 1,242 |
| Total risk-based capital ratio | 23.0692% | 1,267 |
| Memoranda: | ||
| Average total assets | $77,995,000 | 5,283 |
| Average earning assets | $73,410,000 | 5,212 |
| Average equity | $12,859,800 | 4,292 |
| Average total loans | $53,670,400 | 4,825 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8939% | 1,137 |
| Cost of funding earning assets | 0.5740% | 3,054 |
| Net interest margin | 4.3199% | 1,051 |
| Noninterest income to average assets | 0.4038% | 4,507 |
| Noninterest expense to average assets | 2.7869% | 3,706 |
| Loan and lease loss provision to assets | 0.2457% | 1,456 |
| Net operating income to assets | 0.9553% | 2,561 |
| Return on assets (ROA) | 0.9553% | 2,664 |
| Pretax return on assets | 1.4313% | 1,829 |
| Return on Equity (ROE) | 5.7755% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.7755% | 2,554 |
| Net charge-offs to loans | 0.4158% | 1,547 |
| Credit loss provision to net charge-offs | 85.6287% | 2,721 |
| Earnings coverage of net charge-offs (x) | 5.8443% | 3,094 |
| Efficiency ratio | 62.4326% | 5,072 |
| Assets per employee ($millions) | 4.5374% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 5,626 |
| Loan loss allowance to noncurrent loans | 119.8690% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 4,662 |
| Noncurrent loans to loans | 0.8534% | 4,113 |
| Net loans and leases to total assets | 68.8611% | 2,160 |
| Net loans and leases to deposits | 82.9704% | 2,005 |
| Net loans and leases to core deposits | 86.7483% | 2,313 |
| Total domestic deposits to total assets | 82.9947% | 4,573 |
| Equity capital to assets | 16.7836% | 439 |
| Core capital (leverage) ratio | 16.1571% | 474 |
| Tier 1 risk-based capital ratio | 22.3217% | 1,257 |
| Total risk-based capital ratio | 23.2859% | 1,298 |
| Memoranda: | ||
| Average total assets | $77,598,250 | 5,346 |
| Average earning assets | $72,931,750 | 5,277 |
| Average equity | $12,835,500 | 4,341 |
| Average total loans | $53,552,000 | 4,870 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8772% | 1,148 |
| Cost of funding earning assets | 0.6001% | 2,935 |
| Net interest margin | 4.2771% | 1,077 |
| Noninterest income to average assets | 0.4013% | 4,520 |
| Noninterest expense to average assets | 2.8398% | 3,549 |
| Loan and lease loss provision to assets | 0.2006% | 1,889 |
| Net operating income to assets | 0.8334% | 3,130 |
| Return on assets (ROA) | 0.8334% | 3,283 |
| Pretax return on assets | 1.3762% | 2,016 |
| Return on Equity (ROE) | 5.0630% | 4,689 |
| Retained earnings to average equity (ytd only) | 5.0630% | 3,011 |
| Net charge-offs to loans | 0.3924% | 1,647 |
| Credit loss provision to net charge-offs | 74.2857% | 2,736 |
| Earnings coverage of net charge-offs (x) | 5.8381% | 2,821 |
| Efficiency ratio | 64.2982% | 4,829 |
| Assets per employee ($millions) | 4.5547% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 5,817 |
| Loan loss allowance to noncurrent loans | 113.5135% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.6806% | 4,518 |
| Noncurrent loans to loans | 0.8824% | 4,160 |
| Net loans and leases to total assets | 69.6978% | 1,938 |
| Net loans and leases to deposits | 83.5493% | 1,862 |
| Net loans and leases to core deposits | 88.0792% | 2,098 |
| Total domestic deposits to total assets | 83.4212% | 4,534 |
| Equity capital to assets | 16.3606% | 481 |
| Core capital (leverage) ratio | 16.0453% | 459 |
| Tier 1 risk-based capital ratio | 21.8248% | 1,319 |
| Total risk-based capital ratio | 22.7798% | 1,352 |
| Memoranda: | ||
| Average total assets | $77,752,670 | 5,375 |
| Average earning assets | $72,993,330 | 5,306 |
| Average equity | $12,798,670 | 4,375 |
| Average total loans | $53,514,330 | 4,896 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 1,175 |
| Cost of funding earning assets | 0.6132% | 2,980 |
| Net interest margin | 4.2489% | 1,076 |
| Noninterest income to average assets | 0.3902% | 4,534 |
| Noninterest expense to average assets | 2.7723% | 3,794 |
| Loan and lease loss provision to assets | 0.2054% | 1,808 |
| Net operating income to assets | 0.8266% | 3,015 |
| Return on assets (ROA) | 0.8266% | 3,157 |
| Pretax return on assets | 1.3964% | 1,867 |
| Return on Equity (ROE) | 5.0062% | 4,564 |
| Retained earnings to average equity (ytd only) | 5.0062% | 3,224 |
| Net charge-offs to loans | 0.4753% | 1,257 |
| Credit loss provision to net charge-offs | 63.4921% | 2,380 |
| Earnings coverage of net charge-offs (x) | 4.9524% | 2,439 |
| Efficiency ratio | 63.3803% | 5,098 |
| Assets per employee ($millions) | 4.5858% | 2,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 5,827 |
| Loan loss allowance to noncurrent loans | 254.6296% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 5,431 |
| Noncurrent loans to loans | 0.4091% | 5,394 |
| Net loans and leases to total assets | 67.0207% | 2,187 |
| Net loans and leases to deposits | 80.6744% | 1,994 |
| Net loans and leases to core deposits | 85.0626% | 2,210 |
| Total domestic deposits to total assets | 83.0755% | 4,829 |
| Equity capital to assets | 16.5769% | 482 |
| Core capital (leverage) ratio | 15.9517% | 468 |
| Tier 1 risk-based capital ratio | 22.3543% | 1,269 |
| Total risk-based capital ratio | 23.3527% | 1,284 |
| Memoranda: | ||
| Average total assets | $77,914,000 | 5,419 |
| Average earning assets | $73,053,500 | 5,351 |
| Average equity | $12,864,000 | 4,405 |
| Average total loans | $53,015,000 | 4,945 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9519% | 1,683 |
| Cost of funding earning assets | 0.7355% | 3,203 |
| Net interest margin | 4.2165% | 1,614 |
| Noninterest income to average assets | 0.3266% | 5,119 |
| Noninterest expense to average assets | 2.6931% | 4,419 |
| Loan and lease loss provision to assets | 0.1633% | 3,573 |
| Net operating income to assets | 0.9539% | 2,527 |
| Return on assets (ROA) | 0.9539% | 2,776 |
| Pretax return on assets | 1.4230% | 1,954 |
| Return on Equity (ROE) | 5.9701% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.9701% | 2,095 |
| Net charge-offs to loans | 0.2472% | 3,458 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 9.7143% | 2,233 |
| Efficiency ratio | 62.9316% | 5,091 |
| Assets per employee ($millions) | 4.3261% | 3,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 5,646 |
| Loan loss allowance to noncurrent loans | 296.8912% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.3583% | 5,615 |
| Noncurrent loans to loans | 0.3626% | 5,582 |
| Net loans and leases to total assets | 67.6242% | 2,256 |
| Net loans and leases to deposits | 81.2564% | 2,117 |
| Net loans and leases to core deposits | 85.6216% | 2,360 |
| Total domestic deposits to total assets | 83.2233% | 4,630 |
| Equity capital to assets | 16.4441% | 486 |
| Core capital (leverage) ratio | 15.7197% | 485 |
| Tier 1 risk-based capital ratio | 21.7381% | 1,316 |
| Total risk-based capital ratio | 22.7630% | 1,330 |
| Memoranda: | ||
| Average total assets | $77,159,800 | 5,429 |
| Average earning assets | $72,335,200 | 5,355 |
| Average equity | $12,328,200 | 4,494 |
| Average total loans | $50,979,000 | 5,065 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9429% | 1,855 |
| Cost of funding earning assets | 0.7693% | 3,196 |
| Net interest margin | 4.1737% | 1,815 |
| Noninterest income to average assets | 0.3187% | 5,238 |
| Noninterest expense to average assets | 2.7642% | 4,114 |
| Loan and lease loss provision to assets | 0.1039% | 4,275 |
| Net operating income to assets | 0.8746% | 3,110 |
| Return on assets (ROA) | 0.8746% | 3,354 |
| Pretax return on assets | 1.3596% | 2,376 |
| Return on Equity (ROE) | 5.5149% | 4,590 |
| Retained earnings to average equity (ytd only) | 5.5149% | 3,026 |
| Net charge-offs to loans | 0.0873% | 4,513 |
| Credit loss provision to net charge-offs | 181.8182% | 1,528 |
| Earnings coverage of net charge-offs (x) | 25.6055% | 1,243 |
| Efficiency ratio | 65.3830% | 4,564 |
| Assets per employee ($millions) | 4.2896% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 5,644 |
| Loan loss allowance to noncurrent loans | 221.4022% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 5,738 |
| Noncurrent loans to loans | 0.5053% | 5,430 |
| Net loans and leases to total assets | 68.6810% | 2,177 |
| Net loans and leases to deposits | 82.3754% | 2,067 |
| Net loans and leases to core deposits | 86.4004% | 2,415 |
| Total domestic deposits to total assets | 83.3756% | 4,493 |
| Equity capital to assets | 16.2954% | 556 |
| Core capital (leverage) ratio | 15.6675% | 516 |
| Tier 1 risk-based capital ratio | 21.1495% | 1,493 |
| Total risk-based capital ratio | 22.2139% | 1,501 |
| Memoranda: | ||
| Average total assets | $76,982,250 | 5,489 |
| Average earning assets | $72,101,000 | 5,425 |
| Average equity | $12,209,000 | 4,563 |
| Average total loans | $50,415,750 | 5,150 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9099% | 2,069 |
| Cost of funding earning assets | 0.8086% | 3,125 |
| Net interest margin | 4.1013% | 2,091 |
| Noninterest income to average assets | 0.3225% | 5,246 |
| Noninterest expense to average assets | 2.7020% | 4,413 |
| Loan and lease loss provision to assets | 0.0780% | 4,634 |
| Net operating income to assets | 0.9128% | 2,847 |
| Return on assets (ROA) | 0.9128% | 3,111 |
| Pretax return on assets | 1.3809% | 2,280 |
| Return on Equity (ROE) | 5.8090% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.8090% | 2,821 |
| Net charge-offs to loans | 0.1135% | 4,038 |
| Credit loss provision to net charge-offs | 107.1429% | 2,542 |
| Earnings coverage of net charge-offs (x) | 20.0357% | 1,408 |
| Efficiency ratio | 64.9375% | 4,729 |
| Assets per employee ($millions) | 4.2733% | 3,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 5,602 |
| Loan loss allowance to noncurrent loans | 1,369.0476% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0884% | 6,582 |
| Noncurrent loans to loans | 0.0833% | 6,453 |
| Net loans and leases to total assets | 64.8240% | 2,870 |
| Net loans and leases to deposits | 77.4712% | 2,757 |
| Net loans and leases to core deposits | 83.5083% | 2,753 |
| Total domestic deposits to total assets | 83.6750% | 4,456 |
| Equity capital to assets | 16.0845% | 562 |
| Core capital (leverage) ratio | 15.1041% | 584 |
| Tier 1 risk-based capital ratio | 22.0960% | 1,275 |
| Total risk-based capital ratio | 23.1757% | 1,286 |
| Memoranda: | ||
| Average total assets | $76,905,670 | 5,525 |
| Average earning assets | $71,976,330 | 5,460 |
| Average equity | $12,084,670 | 4,582 |
| Average total loans | $49,344,330 | 5,221 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8849% | 2,303 |
| Cost of funding earning assets | 0.8346% | 3,189 |
| Net interest margin | 4.0504% | 2,301 |
| Noninterest income to average assets | 0.3121% | 5,388 |
| Noninterest expense to average assets | 2.6632% | 4,572 |
| Loan and lease loss provision to assets | 0.0520% | 4,761 |
| Net operating income to assets | 0.9519% | 2,683 |
| Return on assets (ROA) | 0.9519% | 2,892 |
| Pretax return on assets | 1.3836% | 2,237 |
| Return on Equity (ROE) | 6.1301% | 4,227 |
| Retained earnings to average equity (ytd only) | 6.1301% | 2,886 |
| Net charge-offs to loans | 0.2049% | 2,897 |
| Credit loss provision to net charge-offs | 40.0000% | 3,449 |
| Earnings coverage of net charge-offs (x) | 11.0400% | 1,705 |
| Efficiency ratio | 64.9746% | 4,742 |
| Assets per employee ($millions) | 4.5795% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,731 |
| Loan loss allowance to noncurrent loans | 1,268.1818% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 6,467 |
| Noncurrent loans to loans | 0.0902% | 6,535 |
| Net loans and leases to total assets | 61.9175% | 3,270 |
| Net loans and leases to deposits | 73.4638% | 3,204 |
| Net loans and leases to core deposits | 79.0126% | 3,184 |
| Total domestic deposits to total assets | 84.2830% | 4,370 |
| Equity capital to assets | 15.4665% | 668 |
| Core capital (leverage) ratio | 15.1236% | 582 |
| Tier 1 risk-based capital ratio | 21.9588% | 1,294 |
| Total risk-based capital ratio | 23.0153% | 1,299 |
| Memoranda: | ||
| Average total assets | $76,899,000 | 5,566 |
| Average earning assets | $71,894,500 | 5,500 |
| Average equity | $11,941,000 | 4,624 |
| Average total loans | $48,798,000 | 5,273 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 2,779 |
| Cost of funding earning assets | 0.9667% | 3,598 |
| Net interest margin | 4.0575% | 2,607 |
| Noninterest income to average assets | 0.3545% | 4,967 |
| Noninterest expense to average assets | 2.6223% | 5,007 |
| Loan and lease loss provision to assets | 0.2368% | 3,837 |
| Net operating income to assets | 0.8255% | 2,926 |
| Return on assets (ROA) | 0.8255% | 3,094 |
| Pretax return on assets | 1.2857% | 2,189 |
| Return on Equity (ROE) | 5.4674% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.4674% | 2,326 |
| Net charge-offs to loans | 0.3329% | 3,732 |
| Credit loss provision to net charge-offs | 114.9351% | 2,841 |
| Earnings coverage of net charge-offs (x) | 7.3896% | 2,344 |
| Efficiency ratio | 63.2666% | 5,251 |
| Assets per employee ($millions) | 4.4674% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 5,514 |
| Loan loss allowance to noncurrent loans | 830.4348% | 460 |
| Noncurrent assets plus other real estate owned to assets | 0.0909% | 6,725 |
| Noncurrent loans to loans | 0.1413% | 6,457 |
| Net loans and leases to total assets | 63.5465% | 3,280 |
| Net loans and leases to deposits | 75.4916% | 3,261 |
| Net loans and leases to core deposits | 81.3447% | 3,271 |
| Total domestic deposits to total assets | 84.1769% | 4,245 |
| Equity capital to assets | 15.5913% | 654 |
| Core capital (leverage) ratio | 15.1945% | 575 |
| Tier 1 risk-based capital ratio | 21.9237% | 1,247 |
| Total risk-based capital ratio | 23.0242% | 1,240 |
| Memoranda: | ||
| Average total assets | $74,744,400 | 5,618 |
| Average earning assets | $69,821,800 | 5,543 |
| Average equity | $11,285,000 | 4,720 |
| Average total loans | $46,255,200 | 5,415 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0247% | 2,974 |
| Cost of funding earning assets | 0.9896% | 3,752 |
| Net interest margin | 4.0351% | 2,754 |
| Noninterest income to average assets | 0.3636% | 4,958 |
| Noninterest expense to average assets | 2.6292% | 4,976 |
| Loan and lease loss provision to assets | 0.2722% | 3,329 |
| Net operating income to assets | 0.7486% | 3,386 |
| Return on assets (ROA) | 0.7486% | 3,548 |
| Pretax return on assets | 1.2304% | 2,520 |
| Return on Equity (ROE) | 5.0002% | 4,532 |
| Retained earnings to average equity (ytd only) | 5.0002% | 3,171 |
| Net charge-offs to loans | 0.3040% | 3,570 |
| Credit loss provision to net charge-offs | 146.1538% | 2,158 |
| Earnings coverage of net charge-offs (x) | 8.0675% | 2,243 |
| Efficiency ratio | 63.6324% | 5,134 |
| Assets per employee ($millions) | 4.4341% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 5,146 |
| Loan loss allowance to noncurrent loans | 515.5172% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 6,660 |
| Noncurrent loans to loans | 0.2465% | 6,382 |
| Net loans and leases to total assets | 61.6410% | 3,810 |
| Net loans and leases to deposits | 73.1490% | 3,784 |
| Net loans and leases to core deposits | 78.4868% | 3,831 |
| Total domestic deposits to total assets | 84.2677% | 4,113 |
| Equity capital to assets | 15.4577% | 734 |
| Core capital (leverage) ratio | 14.9405% | 677 |
| Tier 1 risk-based capital ratio | 22.3613% | 1,231 |
| Total risk-based capital ratio | 23.5536% | 1,215 |
| Memoranda: | ||
| Average total assets | $74,444,000 | 5,663 |
| Average earning assets | $69,521,500 | 5,597 |
| Average equity | $11,146,000 | 4,768 |
| Average total loans | $45,610,500 | 5,489 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0170% | 3,076 |
| Cost of funding earning assets | 1.0144% | 3,850 |
| Net interest margin | 4.0026% | 2,820 |
| Noninterest income to average assets | 0.3696% | 4,916 |
| Noninterest expense to average assets | 2.6574% | 4,977 |
| Loan and lease loss provision to assets | 0.3022% | 2,993 |
| Net operating income to assets | 0.6556% | 3,771 |
| Return on assets (ROA) | 0.6556% | 3,894 |
| Pretax return on assets | 1.1466% | 2,681 |
| Return on Equity (ROE) | 4.4273% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.4273% | 3,374 |
| Net charge-offs to loans | -0.0133% | 6,747 |
| Credit loss provision to net charge-offs | -3,733.3333% | 6,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7175% | 5,106 |
| Assets per employee ($millions) | 4.3986% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 4,481 |
| Loan loss allowance to noncurrent loans | 363.3880% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 6,516 |
| Noncurrent loans to loans | 0.3906% | 6,120 |
| Net loans and leases to total assets | 61.7650% | 3,934 |
| Net loans and leases to deposits | 72.8888% | 3,969 |
| Net loans and leases to core deposits | 78.1225% | 4,041 |
| Total domestic deposits to total assets | 84.7386% | 3,999 |
| Equity capital to assets | 15.0273% | 817 |
| Core capital (leverage) ratio | 15.0886% | 652 |
| Tier 1 risk-based capital ratio | 21.9110% | 1,268 |
| Total risk-based capital ratio | 23.1615% | 1,243 |
| Memoranda: | ||
| Average total assets | $74,132,000 | 5,720 |
| Average earning assets | $69,204,670 | 5,652 |
| Average equity | $10,977,330 | 4,807 |
| Average total loans | $45,126,330 | 5,550 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0570% | 2,822 |
| Cost of funding earning assets | 1.0683% | 3,730 |
| Net interest margin | 3.9887% | 2,731 |
| Noninterest income to average assets | 0.4444% | 4,331 |
| Noninterest expense to average assets | 2.8343% | 4,315 |
| Loan and lease loss provision to assets | 0.1951% | 3,674 |
| Net operating income to assets | 0.5853% | 4,112 |
| Return on assets (ROA) | 0.5853% | 4,179 |
| Pretax return on assets | 1.1381% | 2,612 |
| Return on Equity (ROE) | 3.9825% | 4,915 |
| Retained earnings to average equity (ytd only) | 3.9825% | 3,785 |
| Net charge-offs to loans | -0.0181% | 6,538 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0104% | 4,652 |
| Assets per employee ($millions) | 4.3381% | 3,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 5,210 |
| Loan loss allowance to noncurrent loans | 314.4385% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 6,299 |
| Noncurrent loans to loans | 0.4084% | 6,182 |
| Net loans and leases to total assets | 61.2884% | 4,016 |
| Net loans and leases to deposits | 72.1994% | 4,045 |
| Net loans and leases to core deposits | 76.9410% | 4,167 |
| Total domestic deposits to total assets | 84.8877% | 4,087 |
| Equity capital to assets | 14.7855% | 813 |
| Core capital (leverage) ratio | 14.9154% | 677 |
| Tier 1 risk-based capital ratio | 22.2792% | 1,178 |
| Total risk-based capital ratio | 23.4828% | 1,160 |
| Memoranda: | ||
| Average total assets | $73,809,500 | 5,768 |
| Average earning assets | $68,894,000 | 5,699 |
| Average equity | $10,847,500 | 4,833 |
| Average total loans | $44,264,000 | 5,643 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 3,093 |
| Cost of funding earning assets | 1.4894% | 2,705 |
| Net interest margin | 3.8190% | 3,872 |
| Noninterest income to average assets | 0.3575% | 5,250 |
| Noninterest expense to average assets | 2.5999% | 5,414 |
| Loan and lease loss provision to assets | 0.3043% | 4,369 |
| Net operating income to assets | 1.2705% | 1,248 |
| Return on assets (ROA) | 1.2849% | 1,270 |
| Pretax return on assets | 0.9977% | 2,934 |
| Return on Equity (ROE) | 8.5559% | 2,475 |
| Retained earnings to average equity (ytd only) | 8.0779% | 959 |
| Net charge-offs to loans | 0.3304% | 4,356 |
| Credit loss provision to net charge-offs | 159.3985% | 2,201 |
| Earnings coverage of net charge-offs (x) | 6.7444% | 2,290 |
| Efficiency ratio | 66.8759% | 4,784 |
| Assets per employee ($millions) | 4.6169% | 2,674 |
| Cash dividends to net income (ytd only)* | 5.5866% | 3,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 5,068 |
| Loan loss allowance to noncurrent loans | 364.2384% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 6,460 |
| Noncurrent loans to loans | 0.3533% | 6,355 |
| Net loans and leases to total assets | 57.1144% | 5,167 |
| Net loans and leases to deposits | 67.0774% | 5,240 |
| Net loans and leases to core deposits | 71.1244% | 5,319 |
| Total domestic deposits to total assets | 85.1471% | 3,777 |
| Equity capital to assets | 14.6079% | 882 |
| Core capital (leverage) ratio | 15.3435% | 610 |
| Tier 1 risk-based capital ratio | 23.3636% | 992 |
| Total risk-based capital ratio | 24.5541% | 979 |
| Memoranda: | ||
| Average total assets | $69,657,400 | 5,902 |
| Average earning assets | $64,388,400 | 5,846 |
| Average equity | $10,460,600 | 4,994 |
| Average total loans | $40,249,600 | 5,913 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 2,836 |
| Cost of funding earning assets | 1.5470% | 2,694 |
| Net interest margin | 3.8622% | 3,695 |
| Noninterest income to average assets | 0.3634% | 5,249 |
| Noninterest expense to average assets | 2.5926% | 5,359 |
| Loan and lease loss provision to assets | 0.3343% | 3,928 |
| Net operating income to assets | 1.4906% | 943 |
| Return on assets (ROA) | 1.5101% | 985 |
| Pretax return on assets | 1.0126% | 3,137 |
| Return on Equity (ROE) | 9.9824% | 2,130 |
| Retained earnings to average equity (ytd only) | 9.9824% | 802 |
| Net charge-offs to loans | 0.3869% | 3,740 |
| Credit loss provision to net charge-offs | 149.5652% | 2,606 |
| Earnings coverage of net charge-offs (x) | 5.9391% | 2,633 |
| Efficiency ratio | 66.1378% | 4,827 |
| Assets per employee ($millions) | 4.5940% | 2,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 5,170 |
| Loan loss allowance to noncurrent loans | 249.0566% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 6,648 |
| Noncurrent loans to loans | 0.5053% | 6,190 |
| Net loans and leases to total assets | 56.3629% | 5,495 |
| Net loans and leases to deposits | 66.5270% | 5,603 |
| Net loans and leases to core deposits | 70.5763% | 5,692 |
| Total domestic deposits to total assets | 84.7219% | 3,765 |
| Equity capital to assets | 15.0264% | 884 |
| Core capital (leverage) ratio | 14.8256% | 753 |
| Tier 1 risk-based capital ratio | 23.5849% | 995 |
| Total risk-based capital ratio | 24.7460% | 980 |
| Memoranda: | ||
| Average total assets | $68,604,000 | 5,989 |
| Average earning assets | $63,174,250 | 5,945 |
| Average equity | $10,378,000 | 5,094 |
| Average total loans | $39,626,750 | 6,019 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4997% | 2,515 |
| Cost of funding earning assets | 1.5815% | 2,761 |
| Net interest margin | 3.9181% | 3,359 |
| Noninterest income to average assets | 0.3733% | 5,148 |
| Noninterest expense to average assets | 2.6340% | 5,197 |
| Loan and lease loss provision to assets | 0.4121% | 3,260 |
| Net operating income to assets | 0.9377% | 2,410 |
| Return on assets (ROA) | 0.9676% | 2,391 |
| Pretax return on assets | 0.9676% | 3,247 |
| Return on Equity (ROE) | 6.3807% | 3,606 |
| Retained earnings to average equity (ytd only) | 6.3807% | 2,131 |
| Net charge-offs to loans | 0.5302% | 2,947 |
| Credit loss provision to net charge-offs | 133.9806% | 3,000 |
| Earnings coverage of net charge-offs (x) | 4.3883% | 2,962 |
| Efficiency ratio | 66.1169% | 4,963 |
| Assets per employee ($millions) | 4.4958% | 2,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2524% | 5,171 |
| Loan loss allowance to noncurrent loans | 538.2979% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 7,062 |
| Noncurrent loans to loans | 0.2327% | 6,771 |
| Net loans and leases to total assets | 55.4621% | 5,787 |
| Net loans and leases to deposits | 65.4102% | 5,880 |
| Net loans and leases to core deposits | 69.4623% | 5,923 |
| Total domestic deposits to total assets | 84.7912% | 3,734 |
| Equity capital to assets | 14.6833% | 952 |
| Core capital (leverage) ratio | 14.7954% | 764 |
| Tier 1 risk-based capital ratio | 23.7887% | 963 |
| Total risk-based capital ratio | 24.9606% | 955 |
| Memoranda: | ||
| Average total assets | $66,970,670 | 6,062 |
| Average earning assets | $61,713,000 | 6,036 |
| Average equity | $10,155,670 | 5,155 |
| Average total loans | $38,850,000 | 6,097 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4710% | 2,729 |
| Cost of funding earning assets | 1.6218% | 2,822 |
| Net interest margin | 3.8492% | 3,576 |
| Noninterest income to average assets | 0.4218% | 4,725 |
| Noninterest expense to average assets | 2.6919% | 4,941 |
| Loan and lease loss provision to assets | 0.5148% | 2,440 |
| Net operating income to assets | 0.7629% | 3,144 |
| Return on assets (ROA) | 0.8249% | 2,959 |
| Pretax return on assets | 0.8249% | 3,769 |
| Return on Equity (ROE) | 5.3454% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.3454% | 2,967 |
| Net charge-offs to loans | 0.8405% | 1,853 |
| Credit loss provision to net charge-offs | 103.7500% | 3,299 |
| Earnings coverage of net charge-offs (x) | 2.5750% | 3,250 |
| Efficiency ratio | 67.8125% | 4,756 |
| Assets per employee ($millions) | 4.1842% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 5,279 |
| Loan loss allowance to noncurrent loans | 493.7500% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.2121% | 6,930 |
| Noncurrent loans to loans | 0.2511% | 6,838 |
| Net loans and leases to total assets | 56.3954% | 5,689 |
| Net loans and leases to deposits | 66.6296% | 5,753 |
| Net loans and leases to core deposits | 71.0361% | 5,828 |
| Total domestic deposits to total assets | 84.6401% | 3,837 |
| Equity capital to assets | 15.0851% | 864 |
| Core capital (leverage) ratio | 15.5594% | 648 |
| Tier 1 risk-based capital ratio | 23.0300% | 1,074 |
| Total risk-based capital ratio | 24.1130% | 1,069 |
| Memoranda: | ||
| Average total assets | $64,490,000 | 6,225 |
| Average earning assets | $59,440,500 | 6,194 |
| Average equity | $9,952,500 | 5,251 |
| Average total loans | $38,074,500 | 6,206 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 4,300 |
| Cost of funding earning assets | 2.0724% | 2,611 |
| Net interest margin | 3.4016% | 5,351 |
| Noninterest income to average assets | 0.4551% | 4,760 |
| Noninterest expense to average assets | 2.9596% | 4,305 |
| Loan and lease loss provision to assets | 0.3056% | 4,988 |
| Net operating income to assets | 0.3141% | 4,480 |
| Return on assets (ROA) | 0.3141% | 4,562 |
| Pretax return on assets | 0.3141% | 4,723 |
| Return on Equity (ROE) | 1.8912% | 4,948 |
| Retained earnings to average equity (ytd only) | 1.8912% | 3,771 |
| Net charge-offs to loans | 0.4110% | 4,171 |
| Credit loss provision to net charge-offs | 120.0000% | 4,455 |
| Earnings coverage of net charge-offs (x) | 2.4333% | 3,907 |
| Efficiency ratio | 82.6850% | 2,524 |
| Assets per employee ($millions) | 3.8771% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 5,115 |
| Loan loss allowance to noncurrent loans | 311.9205% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 6,130 |
| Noncurrent loans to loans | 0.3982% | 6,482 |
| Net loans and leases to total assets | 60.3695% | 5,279 |
| Net loans and leases to deposits | 72.0173% | 5,324 |
| Net loans and leases to core deposits | 107.6430% | 3,142 |
| Total domestic deposits to total assets | 83.8264% | 4,112 |
| Equity capital to assets | 15.8077% | 727 |
| Core capital (leverage) ratio | 15.8396% | 641 |
| Tier 1 risk-based capital ratio | 23.6748% | 976 |
| Total risk-based capital ratio | 24.7959% | 969 |
| Memoranda: | ||
| Average total assets | $58,893,400 | 6,388 |
| Average earning assets | $54,092,400 | 6,371 |
| Average equity | $9,782,200 | 5,358 |
| Average total loans | $36,500,600 | 6,279 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4472% | 4,702 |
| Cost of funding earning assets | 2.1569% | 2,615 |
| Net interest margin | 3.2903% | 5,677 |
| Noninterest income to average assets | 0.4658% | 4,778 |
| Noninterest expense to average assets | 2.9530% | 4,233 |
| Loan and lease loss provision to assets | 0.3878% | 3,991 |
| Net operating income to assets | 0.1491% | 5,325 |
| Return on assets (ROA) | 0.1491% | 5,385 |
| Pretax return on assets | 0.1491% | 5,418 |
| Return on Equity (ROE) | 0.8864% | 5,535 |
| Retained earnings to average equity (ytd only) | 0.8864% | 4,813 |
| Net charge-offs to loans | 0.5017% | 3,220 |
| Credit loss provision to net charge-offs | 124.2647% | 4,054 |
| Earnings coverage of net charge-offs (x) | 1.7206% | 4,509 |
| Efficiency ratio | 84.6154% | 2,230 |
| Assets per employee ($millions) | 4.1331% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2589% | 4,767 |
| Loan loss allowance to noncurrent loans | 401.6949% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 6,924 |
| Noncurrent loans to loans | 0.3134% | 6,730 |
| Net loans and leases to total assets | 59.9700% | 5,583 |
| Net loans and leases to deposits | 71.8365% | 5,678 |
| Net loans and leases to core deposits | 110.9059% | 3,135 |
| Total domestic deposits to total assets | 83.4812% | 3,972 |
| Equity capital to assets | 16.0075% | 791 |
| Core capital (leverage) ratio | 16.2430% | 641 |
| Tier 1 risk-based capital ratio | 25.9723% | 820 |
| Total risk-based capital ratio | 27.2229% | 806 |
| Memoranda: | ||
| Average total assets | $58,108,500 | 6,464 |
| Average earning assets | $53,408,250 | 6,449 |
| Average equity | $9,776,250 | 5,407 |
| Average total loans | $36,145,750 | 6,338 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3796% | 5,248 |
| Cost of funding earning assets | 2.2262% | 2,678 |
| Net interest margin | 3.1534% | 6,079 |
| Noninterest income to average assets | 0.5069% | 4,388 |
| Noninterest expense to average assets | 3.0697% | 3,816 |
| Loan and lease loss provision to assets | 0.5034% | 3,017 |
| Net operating income to assets | -0.1690% | 6,134 |
| Return on assets (ROA) | -0.1690% | 6,156 |
| Pretax return on assets | -0.1690% | 6,085 |
| Return on Equity (ROE) | -0.9869% | 6,069 |
| Retained earnings to average equity (ytd only) | -0.9869% | 5,481 |
| Net charge-offs to loans | 0.7238% | 2,247 |
| Credit loss provision to net charge-offs | 110.8527% | 4,177 |
| Earnings coverage of net charge-offs (x) | 0.7364% | 4,987 |
| Efficiency ratio | 90.1758% | 1,789 |
| Assets per employee ($millions) | 3.9015% | 3,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 4,545 |
| Loan loss allowance to noncurrent loans | 614.8649% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 6,104 |
| Noncurrent loans to loans | 0.2048% | 6,997 |
| Net loans and leases to total assets | 60.9589% | 5,526 |
| Net loans and leases to deposits | 73.3782% | 5,556 |
| Net loans and leases to core deposits | 114.2075% | 2,884 |
| Total domestic deposits to total assets | 83.0750% | 4,204 |
| Equity capital to assets | 16.4858% | 754 |
| Core capital (leverage) ratio | 16.5395% | 672 |
| Tier 1 risk-based capital ratio | 26.3879% | 826 |
| Total risk-based capital ratio | 27.6298% | 800 |
| Memoranda: | ||
| Average total assets | $56,812,670 | 6,562 |
| Average earning assets | $52,197,330 | 6,545 |
| Average equity | $9,727,000 | 5,447 |
| Average total loans | $35,643,330 | 6,427 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2317% | 6,180 |
| Cost of funding earning assets | 2.2689% | 2,844 |
| Net interest margin | 2.9628% | 6,581 |
| Noninterest income to average assets | 0.3360% | 5,769 |
| Noninterest expense to average assets | 3.0595% | 3,521 |
| Loan and lease loss provision to assets | 0.8935% | 1,465 |
| Net operating income to assets | -0.9007% | 7,194 |
| Return on assets (ROA) | -0.9007% | 7,221 |
| Pretax return on assets | -0.9007% | 7,099 |
| Return on Equity (ROE) | -5.1605% | 6,986 |
| Retained earnings to average equity (ytd only) | -5.1605% | 6,568 |
| Net charge-offs to loans | 1.3672% | 1,033 |
| Credit loss provision to net charge-offs | 103.3058% | 3,638 |
| Earnings coverage of net charge-offs (x) | -0.0083% | 4,988 |
| Efficiency ratio | 100.2342% | 1,118 |
| Assets per employee ($millions) | 3.8961% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2506% | 4,429 |
| Loan loss allowance to noncurrent loans | 2,617.6471% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 5,357 |
| Noncurrent loans to loans | 0.0478% | 7,404 |
| Net loans and leases to total assets | 60.1256% | 5,629 |
| Net loans and leases to deposits | 72.5737% | 5,670 |
| Net loans and leases to core deposits | 111.0486% | 3,303 |
| Total domestic deposits to total assets | 82.8477% | 4,219 |
| Equity capital to assets | 16.5637% | 783 |
| Core capital (leverage) ratio | 17.0827% | 640 |
| Tier 1 risk-based capital ratio | 26.1872% | 879 |
| Total risk-based capital ratio | 27.4024% | 861 |
| Memoranda: | ||
| Average total assets | $55,957,500 | 6,634 |
| Average earning assets | $51,302,500 | 6,608 |
| Average equity | $9,766,500 | 5,458 |
| Average total loans | $35,400,000 | 6,469 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1805% | 4,614 |
| Cost of funding earning assets | 2.7210% | 3,060 |
| Net interest margin | 3.4595% | 5,440 |
| Noninterest income to average assets | 0.3988% | 5,478 |
| Noninterest expense to average assets | 3.5683% | 2,223 |
| Loan and lease loss provision to assets | 0.2794% | 4,160 |
| Net operating income to assets | -0.3114% | 6,743 |
| Return on assets (ROA) | -0.3114% | 6,612 |
| Pretax return on assets | -0.3114% | 6,475 |
| Return on Equity (ROE) | -1.5014% | 6,433 |
| Retained earnings to average equity (ytd only) | -1.5014% | 5,739 |
| Net charge-offs to loans | 0.0292% | 6,413 |
| Credit loss provision to net charge-offs | 1,455.5556% | 309 |
| Earnings coverage of net charge-offs (x) | -1.6667% | 6,685 |
| Efficiency ratio | 100.9047% | 947 |
| Assets per employee ($millions) | 3.5649% | 4,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2522% | 4,113 |
| Loan loss allowance to noncurrent loans | 202.2936% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 5,026 |
| Noncurrent loans to loans | 0.6190% | 5,512 |
| Net loans and leases to total assets | 65.0335% | 5,056 |
| Net loans and leases to deposits | 80.4758% | 4,962 |
| Net loans and leases to core deposits | 125.7130% | 2,181 |
| Total domestic deposits to total assets | 80.8112% | 4,733 |
| Equity capital to assets | 18.4258% | 610 |
| Core capital (leverage) ratio | 18.3149% | 570 |
| Tier 1 risk-based capital ratio | 27.4965% | 794 |
| Total risk-based capital ratio | 28.7501% | 771 |
| Memoranda: | ||
| Average total assets | $46,885,200 | 6,903 |
| Average earning assets | $42,520,800 | 6,924 |
| Average equity | $9,724,000 | 5,503 |
| Average total loans | $30,776,200 | 6,659 |