Home > 1st Equity Bank Northwest > Performance and Condition Ratios
1st Equity Bank Northwest, Performance and Condition Ratios
| 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 | 4.4507% | 2,445 |
| Cost of funding earning assets | 1.6072% | 185 |
| Net interest margin | 2.8435% | 4,510 |
| Noninterest income to average assets | 0.4338% | 2,888 |
| Noninterest expense to average assets | 2.4488% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6459% | 3,459 |
| Return on assets (ROA) | 0.6459% | 3,522 |
| Pretax return on assets | 0.6459% | 3,821 |
| Return on Equity (ROE) | 3.0745% | 4,197 |
| Retained earnings to average equity (ytd only) | -0.8260% | 4,118 |
| Net charge-offs to loans | -0.0473% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1277% | 1,224 |
| Assets per employee ($millions) | 10.4848% | 331 |
| Cash dividends to net income (ytd only)* | 126.8657% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 2,451 |
| Loan loss allowance to noncurrent loans | 106.8063% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 1,470 |
| Noncurrent loans to loans | 1.1613% | 1,423 |
| Net loans and leases to total assets | 77.4625% | 1,056 |
| Net loans and leases to deposits | 101.0576% | 491 |
| Net loans and leases to core deposits | 118.5008% | 516 |
| Total domestic deposits to total assets | 76.6518% | 4,405 |
| Equity capital to assets | 20.7635% | 212 |
| Core capital (leverage) ratio | 21.2556% | 192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.2664% | 259 |
| Memoranda: | ||
| Average total assets | $41,490,000 | 4,821 |
| Average earning assets | $38,825,000 | 4,804 |
| Average equity | $8,717,000 | 4,396 |
| Average total loans | $33,841,000 | 4,503 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7306% | 2,240 |
| Cost of funding earning assets | 1.7637% | 159 |
| Net interest margin | 2.9668% | 4,556 |
| Noninterest income to average assets | 0.5307% | 2,576 |
| Noninterest expense to average assets | 2.6262% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6738% | 3,941 |
| Return on assets (ROA) | 0.6738% | 4,011 |
| Pretax return on assets | 0.6738% | 4,273 |
| Return on Equity (ROE) | 3.1178% | 4,646 |
| Retained earnings to average equity (ytd only) | -1.6788% | 4,857 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5812% | 974 |
| Assets per employee ($millions) | 10.2603% | 338 |
| Cash dividends to net income (ytd only)* | 153.8462% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1614% | 2,636 |
| Loan loss allowance to noncurrent loans | 109.1892% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 1,411 |
| Noncurrent loans to loans | 1.0636% | 1,419 |
| Net loans and leases to total assets | 83.7772% | 339 |
| Net loans and leases to deposits | 110.0925% | 187 |
| Net loans and leases to core deposits | 127.8226% | 310 |
| Total domestic deposits to total assets | 76.0971% | 4,589 |
| Equity capital to assets | 21.2617% | 198 |
| Core capital (leverage) ratio | 21.3016% | 188 |
| Tier 1 risk-based capital ratio | 27.8279% | 572 |
| Total risk-based capital ratio | 29.0780% | 559 |
| Memoranda: | ||
| Average total assets | $40,515,200 | 4,884 |
| Average earning assets | $37,818,000 | 4,865 |
| Average equity | $8,756,200 | 4,413 |
| Average total loans | $31,620,800 | 4,609 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7238% | 2,347 |
| Cost of funding earning assets | 1.7586% | 165 |
| Net interest margin | 2.9652% | 4,671 |
| Noninterest income to average assets | 0.4556% | 2,988 |
| Noninterest expense to average assets | 2.5488% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6735% | 4,096 |
| Return on assets (ROA) | 0.6735% | 4,157 |
| Pretax return on assets | 0.6735% | 4,400 |
| Return on Equity (ROE) | 3.1036% | 4,751 |
| Retained earnings to average equity (ytd only) | -3.2862% | 5,004 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0984% | 1,002 |
| Assets per employee ($millions) | 10.2193% | 329 |
| Cash dividends to net income (ytd only)* | 205.8862% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 2,306 |
| Loan loss allowance to noncurrent loans | 109.1892% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 1,499 |
| Noncurrent loans to loans | 1.1327% | 1,401 |
| Net loans and leases to total assets | 78.9197% | 1,000 |
| Net loans and leases to deposits | 103.6266% | 428 |
| Net loans and leases to core deposits | 121.6716% | 480 |
| Total domestic deposits to total assets | 76.1577% | 4,635 |
| Equity capital to assets | 21.1782% | 211 |
| Core capital (leverage) ratio | 22.1480% | 171 |
| Tier 1 risk-based capital ratio | 28.5568% | 538 |
| Total risk-based capital ratio | 29.8070% | 529 |
| Memoranda: | ||
| Average total assets | $40,383,750 | 4,958 |
| Average earning assets | $37,680,500 | 4,941 |
| Average equity | $8,763,750 | 4,457 |
| Average total loans | $30,829,250 | 4,682 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8391% | 1,937 |
| Cost of funding earning assets | 1.7161% | 171 |
| Net interest margin | 3.1231% | 4,495 |
| Noninterest income to average assets | 0.5072% | 2,638 |
| Noninterest expense to average assets | 2.6057% | 3,187 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8155% | 3,600 |
| Return on assets (ROA) | 0.8155% | 3,657 |
| Pretax return on assets | 0.8155% | 4,053 |
| Return on Equity (ROE) | 3.7276% | 4,645 |
| Retained earnings to average equity (ytd only) | -5.8186% | 5,084 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1628% | 1,373 |
| Assets per employee ($millions) | 9.8025% | 352 |
| Cash dividends to net income (ytd only)* | 256.0976% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3864% | 1,669 |
| Loan loss allowance to noncurrent loans | 127.0440% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 1,735 |
| Noncurrent loans to loans | 1.0912% | 1,501 |
| Net loans and leases to total assets | 73.2900% | 2,004 |
| Net loans and leases to deposits | 94.1548% | 1,245 |
| Net loans and leases to core deposits | 110.8125% | 934 |
| Total domestic deposits to total assets | 77.8398% | 4,430 |
| Equity capital to assets | 21.9765% | 179 |
| Core capital (leverage) ratio | 21.9519% | 171 |
| Tier 1 risk-based capital ratio | 32.9333% | 394 |
| Total risk-based capital ratio | 34.1869% | 387 |
| Memoranda: | ||
| Average total assets | $40,219,330 | 5,002 |
| Average earning assets | $37,527,330 | 4,983 |
| Average equity | $8,799,330 | 4,466 |
| Average total loans | $30,217,670 | 4,730 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8808% | 1,653 |
| Cost of funding earning assets | 1.6094% | 220 |
| Net interest margin | 3.2714% | 4,228 |
| Noninterest income to average assets | 0.4125% | 3,093 |
| Noninterest expense to average assets | 2.5341% | 3,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9331% | 3,113 |
| Return on assets (ROA) | 0.9331% | 3,151 |
| Pretax return on assets | 0.9331% | 3,660 |
| Return on Equity (ROE) | 4.2742% | 4,519 |
| Retained earnings to average equity (ytd only) | 1.5747% | 4,175 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0878% | 1,868 |
| Assets per employee ($millions) | 9.8735% | 353 |
| Cash dividends to net income (ytd only)* | 63.1579% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 1,968 |
| 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 | 76.0343% | 1,476 |
| Net loans and leases to deposits | 98.5236% | 735 |
| Net loans and leases to core deposits | 114.6670% | 704 |
| Total domestic deposits to total assets | 77.1737% | 4,637 |
| Equity capital to assets | 22.5553% | 158 |
| Core capital (leverage) ratio | 22.0577% | 171 |
| Tier 1 risk-based capital ratio | 33.4234% | 371 |
| Total risk-based capital ratio | 34.6728% | 360 |
| Memoranda: | ||
| Average total assets | $40,724,000 | 5,050 |
| Average earning assets | $38,026,500 | 5,032 |
| Average equity | $8,890,500 | 4,479 |
| Average total loans | $30,756,000 | 4,772 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 2,127 |
| Cost of funding earning assets | 1.2116% | 323 |
| Net interest margin | 3.3890% | 4,027 |
| Noninterest income to average assets | 0.3493% | 3,770 |
| Noninterest expense to average assets | 2.5483% | 3,472 |
| Loan and lease loss provision to assets | 0.0234% | 3,703 |
| Net operating income to assets | 0.9659% | 3,156 |
| Return on assets (ROA) | 0.9659% | 3,154 |
| Pretax return on assets | 0.9776% | 3,680 |
| Return on Equity (ROE) | 4.6730% | 4,537 |
| Retained earnings to average equity (ytd only) | -0.3176% | 5,021 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7966% | 1,932 |
| Assets per employee ($millions) | 10.4885% | 296 |
| Cash dividends to net income (ytd only)* | 106.7961% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,037 |
| 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 | 73.1158% | 2,076 |
| Net loans and leases to deposits | 93.0250% | 1,398 |
| Net loans and leases to core deposits | 106.8443% | 1,204 |
| Total domestic deposits to total assets | 78.5980% | 4,391 |
| Equity capital to assets | 21.1494% | 189 |
| Core capital (leverage) ratio | 21.3915% | 182 |
| Tier 1 risk-based capital ratio | 32.4306% | 390 |
| Total risk-based capital ratio | 33.6842% | 384 |
| Memoranda: | ||
| Average total assets | $42,656,000 | 5,064 |
| Average earning assets | $40,277,600 | 5,042 |
| Average equity | $8,816,600 | 4,482 |
| Average total loans | $32,963,600 | 4,745 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5779% | 2,046 |
| Cost of funding earning assets | 1.1412% | 338 |
| Net interest margin | 3.4367% | 3,905 |
| Noninterest income to average assets | 0.3455% | 3,835 |
| Noninterest expense to average assets | 2.5775% | 3,354 |
| Loan and lease loss provision to assets | 0.0311% | 3,395 |
| Net operating income to assets | 0.9743% | 3,196 |
| Return on assets (ROA) | 0.9743% | 3,209 |
| Pretax return on assets | 0.9899% | 3,744 |
| Return on Equity (ROE) | 4.7409% | 4,639 |
| Retained earnings to average equity (ytd only) | -1.9237% | 5,192 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6263% | 1,950 |
| Assets per employee ($millions) | 10.6670% | 270 |
| Cash dividends to net income (ytd only)* | 140.5756% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3190% | 2,005 |
| 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 | 70.8400% | 2,525 |
| Net loans and leases to deposits | 89.6037% | 1,950 |
| Net loans and leases to core deposits | 102.5201% | 1,564 |
| Total domestic deposits to total assets | 79.0592% | 4,303 |
| Equity capital to assets | 20.5634% | 208 |
| Core capital (leverage) ratio | 20.8915% | 201 |
| Tier 1 risk-based capital ratio | 31.8510% | 402 |
| Total risk-based capital ratio | 33.1034% | 399 |
| Memoranda: | ||
| Average total assets | $42,831,500 | 5,127 |
| Average earning assets | $40,541,250 | 5,101 |
| Average equity | $8,802,500 | 4,525 |
| Average total loans | $33,434,750 | 4,783 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 4,228 |
| Cost of funding earning assets | 1.0807% | 317 |
| Net interest margin | 2.7655% | 5,162 |
| Noninterest income to average assets | 0.3404% | 3,904 |
| Noninterest expense to average assets | 2.4390% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5270% | 4,687 |
| Return on assets (ROA) | 0.5270% | 4,693 |
| Pretax return on assets | 0.5270% | 4,858 |
| Return on Equity (ROE) | 2.5647% | 5,089 |
| Retained earnings to average equity (ytd only) | -7.4217% | 5,368 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2327% | 815 |
| Assets per employee ($millions) | 10.6068% | 267 |
| Cash dividends to net income (ytd only)* | 389.3805% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 2,970 |
| Loan loss allowance to noncurrent loans | 14.4322% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 6.4346% | 48 |
| Noncurrent loans to loans | 7.9792% | 45 |
| Net loans and leases to total assets | 79.7134% | 1,060 |
| Net loans and leases to deposits | 100.2312% | 792 |
| Net loans and leases to core deposits | 114.6013% | 765 |
| Total domestic deposits to total assets | 79.5295% | 4,343 |
| Equity capital to assets | 20.2112% | 217 |
| Core capital (leverage) ratio | 19.9409% | 229 |
| Tier 1 risk-based capital ratio | 27.4954% | 585 |
| Total risk-based capital ratio | 28.7460% | 581 |
| Memoranda: | ||
| Average total assets | $42,886,000 | 5,184 |
| Average earning assets | $40,715,670 | 5,158 |
| Average equity | $8,812,000 | 4,559 |
| Average total loans | $34,369,670 | 4,801 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6910% | 4,487 |
| Cost of funding earning assets | 0.9713% | 427 |
| Net interest margin | 2.7197% | 5,242 |
| Noninterest income to average assets | 0.4175% | 3,334 |
| Noninterest expense to average assets | 2.4678% | 3,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5474% | 4,587 |
| Return on assets (ROA) | 0.5474% | 4,589 |
| Pretax return on assets | 0.5474% | 4,795 |
| Return on Equity (ROE) | 2.6426% | 5,087 |
| Retained earnings to average equity (ytd only) | 2.6426% | 4,123 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8462% | 962 |
| Assets per employee ($millions) | 10.9398% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1478% | 3,104 |
| Loan loss allowance to noncurrent loans | 14.4322% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 6.2387% | 60 |
| Noncurrent loans to loans | 7.9532% | 49 |
| Net loans and leases to total assets | 77.5429% | 1,307 |
| Net loans and leases to deposits | 97.8206% | 879 |
| Net loans and leases to core deposits | 109.1974% | 1,050 |
| Total domestic deposits to total assets | 79.2706% | 4,535 |
| Equity capital to assets | 20.4758% | 199 |
| Core capital (leverage) ratio | 20.8702% | 186 |
| Tier 1 risk-based capital ratio | 28.1177% | 552 |
| Total risk-based capital ratio | 29.3542% | 548 |
| Memoranda: | ||
| Average total assets | $43,115,500 | 5,238 |
| Average earning assets | $41,181,000 | 5,208 |
| Average equity | $8,930,500 | 4,593 |
| Average total loans | $34,447,500 | 4,847 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 4,227 |
| Cost of funding earning assets | 0.7736% | 723 |
| Net interest margin | 2.9730% | 4,941 |
| Noninterest income to average assets | 2.1324% | 269 |
| Noninterest expense to average assets | 2.9046% | 2,442 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1068% | 227 |
| Return on assets (ROA) | 2.1068% | 234 |
| Pretax return on assets | 2.1068% | 391 |
| Return on Equity (ROE) | 9.4693% | 2,105 |
| Retained earnings to average equity (ytd only) | 8.9866% | 510 |
| Net charge-offs to loans | -0.1340% | 5,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9592% | 4,532 |
| Assets per employee ($millions) | 10.6180% | 261 |
| Cash dividends to net income (ytd only)* | 5.0971% | 4,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 3,118 |
| Loan loss allowance to noncurrent loans | 14.1117% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 6.5737% | 52 |
| Noncurrent loans to loans | 8.0766% | 45 |
| Net loans and leases to total assets | 80.4648% | 897 |
| Net loans and leases to deposits | 102.1125% | 597 |
| Net loans and leases to core deposits | 112.9640% | 842 |
| Total domestic deposits to total assets | 78.8002% | 4,578 |
| Equity capital to assets | 20.9573% | 180 |
| Core capital (leverage) ratio | 21.4152% | 160 |
| Tier 1 risk-based capital ratio | 27.5932% | 564 |
| Total risk-based capital ratio | 28.8146% | 554 |
| Memoranda: | ||
| Average total assets | $39,110,600 | 5,341 |
| Average earning assets | $37,874,000 | 5,307 |
| Average equity | $8,701,800 | 4,663 |
| Average total loans | $32,100,000 | 4,966 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7737% | 4,086 |
| Cost of funding earning assets | 0.7310% | 840 |
| Net interest margin | 3.0427% | 4,826 |
| Noninterest income to average assets | 2.8220% | 197 |
| Noninterest expense to average assets | 3.0171% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.7488% | 100 |
| Return on assets (ROA) | 2.7488% | 101 |
| Pretax return on assets | 2.7488% | 149 |
| Return on Equity (ROE) | 12.1587% | 1,292 |
| Retained earnings to average equity (ytd only) | 11.5116% | 343 |
| Net charge-offs to loans | -0.1821% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3263% | 5,074 |
| Assets per employee ($millions) | 10.1510% | 301 |
| Cash dividends to net income (ytd only)* | 5.3233% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 3,021 |
| Loan loss allowance to noncurrent loans | 33.0814% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.9332% | 313 |
| Noncurrent loans to loans | 3.5796% | 303 |
| Net loans and leases to total assets | 80.9723% | 847 |
| Net loans and leases to deposits | 103.9325% | 503 |
| Net loans and leases to core deposits | 114.2351% | 826 |
| Total domestic deposits to total assets | 77.9086% | 4,745 |
| Equity capital to assets | 21.8377% | 160 |
| Core capital (leverage) ratio | 23.0707% | 122 |
| Tier 1 risk-based capital ratio | 28.6171% | 535 |
| Total risk-based capital ratio | 29.8661% | 530 |
| Memoranda: | ||
| Average total assets | $38,270,250 | 5,414 |
| Average earning assets | $37,027,500 | 5,373 |
| Average equity | $8,652,000 | 4,719 |
| Average total loans | $31,482,750 | 5,031 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5438% | 4,646 |
| Cost of funding earning assets | 0.7010% | 888 |
| Net interest margin | 2.8428% | 5,182 |
| Noninterest income to average assets | 4.1822% | 139 |
| Noninterest expense to average assets | 3.1260% | 1,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 3.8034% | 61 |
| Return on assets (ROA) | 3.8034% | 61 |
| Pretax return on assets | 3.8034% | 79 |
| Return on Equity (ROE) | 16.6194% | 447 |
| Retained earnings to average equity (ytd only) | 15.6404% | 115 |
| Net charge-offs to loans | -0.2525% | 5,614 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1116% | 5,487 |
| Assets per employee ($millions) | 9.6130% | 339 |
| Cash dividends to net income (ytd only)* | 5.8906% | 3,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 3,043 |
| Loan loss allowance to noncurrent loans | 14.4391% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 7.0243% | 55 |
| Noncurrent loans to loans | 8.2805% | 45 |
| Net loans and leases to total assets | 83.8162% | 466 |
| Net loans and leases to deposits | 109.0291% | 286 |
| Net loans and leases to core deposits | 120.6356% | 530 |
| Total domestic deposits to total assets | 76.8751% | 4,977 |
| Equity capital to assets | 22.8597% | 128 |
| Core capital (leverage) ratio | 23.4838% | 123 |
| Tier 1 risk-based capital ratio | 29.3254% | 496 |
| Total risk-based capital ratio | 30.5765% | 490 |
| Memoranda: | ||
| Average total assets | $37,492,330 | 5,475 |
| Average earning assets | $36,232,000 | 5,428 |
| Average equity | $8,580,330 | 4,757 |
| Average total loans | $30,886,330 | 5,084 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 3,531 |
| Cost of funding earning assets | 0.6384% | 1,143 |
| Net interest margin | 3.2259% | 4,258 |
| Noninterest income to average assets | 8.3107% | 74 |
| Noninterest expense to average assets | 2.8531% | 2,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 8.5701% | 24 |
| Return on assets (ROA) | 8.5701% | 24 |
| Pretax return on assets | 8.5701% | 32 |
| Return on Equity (ROE) | 37.2869% | 24 |
| Retained earnings to average equity (ytd only) | 36.4876% | 17 |
| Net charge-offs to loans | -0.7861% | 5,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.9763% | 5,820 |
| Assets per employee ($millions) | 9.6220% | 340 |
| Cash dividends to net income (ytd only)* | 2.1438% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3184% | 2,444 |
| Loan loss allowance to noncurrent loans | 953.4884% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 4,822 |
| Noncurrent loans to loans | 0.1383% | 4,640 |
| Net loans and leases to total assets | 79.7365% | 871 |
| Net loans and leases to deposits | 105.8606% | 327 |
| Net loans and leases to core deposits | 117.3351% | 545 |
| Total domestic deposits to total assets | 75.3222% | 5,307 |
| Equity capital to assets | 23.1111% | 130 |
| Core capital (leverage) ratio | 24.9860% | 99 |
| Tier 1 risk-based capital ratio | 30.7392% | 456 |
| Total risk-based capital ratio | 31.9971% | 453 |
| Memoranda: | ||
| Average total assets | $37,012,500 | 5,541 |
| Average earning assets | $35,711,500 | 5,498 |
| Average equity | $8,507,000 | 4,812 |
| Average total loans | $30,020,000 | 5,161 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6282% | 4,441 |
| Cost of funding earning assets | 0.6644% | 980 |
| Net interest margin | 2.9638% | 5,026 |
| Noninterest income to average assets | 0.0522% | 5,761 |
| Noninterest expense to average assets | 2.6846% | 3,389 |
| Loan and lease loss provision to assets | 0.0687% | 2,987 |
| Net operating income to assets | 0.1429% | 5,505 |
| Return on assets (ROA) | 0.1429% | 5,541 |
| Pretax return on assets | 0.1429% | 5,551 |
| Return on Equity (ROE) | 0.6409% | 5,609 |
| Retained earnings to average equity (ytd only) | 0.0739% | 5,281 |
| Net charge-offs to loans | 0.3997% | 661 |
| Credit loss provision to net charge-offs | 22.5225% | 3,658 |
| Earnings coverage of net charge-offs (x) | 0.6937% | 4,081 |
| Efficiency ratio | 92.6945% | 433 |
| Assets per employee ($millions) | 8.8843% | 439 |
| Cash dividends to net income (ytd only)* | 88.4615% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 3,046 |
| Loan loss allowance to noncurrent loans | 130.4833% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 2,471 |
| Noncurrent loans to loans | 0.9295% | 2,234 |
| Net loans and leases to total assets | 80.4514% | 819 |
| Net loans and leases to deposits | 104.7368% | 401 |
| Net loans and leases to core deposits | 113.6011% | 718 |
| Total domestic deposits to total assets | 76.8129% | 5,146 |
| Equity capital to assets | 22.8466% | 129 |
| Core capital (leverage) ratio | 22.3824% | 130 |
| Tier 1 risk-based capital ratio | 30.5088% | 462 |
| Total risk-based capital ratio | 31.7639% | 457 |
| Memoranda: | ||
| Average total assets | $36,393,400 | 5,610 |
| Average earning assets | $34,921,000 | 5,572 |
| Average equity | $8,114,200 | 4,914 |
| Average total loans | $27,769,600 | 5,276 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5503% | 4,679 |
| Cost of funding earning assets | 0.6607% | 1,002 |
| Net interest margin | 2.8896% | 5,205 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 2.6733% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.0983% | 5,627 |
| Return on assets (ROA) | 0.0983% | 5,676 |
| Pretax return on assets | 0.0983% | 5,680 |
| Return on Equity (ROE) | 0.4437% | 5,708 |
| Retained earnings to average equity (ytd only) | -0.0493% | 5,360 |
| Net charge-offs to loans | 0.5386% | 393 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 0.2432% | 3,810 |
| Efficiency ratio | 96.4520% | 302 |
| Assets per employee ($millions) | 9.1635% | 387 |
| Cash dividends to net income (ytd only)* | 111.1111% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 3,408 |
| Loan loss allowance to noncurrent loans | 121.1896% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 2,724 |
| Noncurrent loans to loans | 0.9680% | 2,302 |
| Net loans and leases to total assets | 74.9250% | 1,716 |
| Net loans and leases to deposits | 96.4054% | 1,015 |
| Net loans and leases to core deposits | 104.1765% | 1,332 |
| Total domestic deposits to total assets | 77.7187% | 4,961 |
| Equity capital to assets | 22.1258% | 161 |
| Core capital (leverage) ratio | 22.1023% | 135 |
| Tier 1 risk-based capital ratio | 32.2055% | 406 |
| Total risk-based capital ratio | 33.4604% | 399 |
| Memoranda: | ||
| Average total assets | $36,607,500 | 5,660 |
| Average earning assets | $35,113,500 | 5,619 |
| Average equity | $8,113,000 | 4,965 |
| Average total loans | $27,476,750 | 5,336 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5386% | 4,775 |
| Cost of funding earning assets | 0.6564% | 1,021 |
| Net interest margin | 2.8823% | 5,296 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 2.7055% | 3,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.0547% | 5,716 |
| Return on assets (ROA) | 0.0547% | 5,753 |
| Pretax return on assets | 0.0547% | 5,756 |
| Return on Equity (ROE) | 0.2465% | 5,775 |
| Retained earnings to average equity (ytd only) | -0.1232% | 5,310 |
| Net charge-offs to loans | 0.8110% | 247 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 0.0901% | 3,553 |
| Efficiency ratio | 98.0198% | 285 |
| Assets per employee ($millions) | 9.2400% | 357 |
| Cash dividends to net income (ytd only)* | 150.0000% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 3,498 |
| Loan loss allowance to noncurrent loans | 117.2662% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.7522% | 2,722 |
| Noncurrent loans to loans | 1.0018% | 2,285 |
| Net loans and leases to total assets | 74.2018% | 1,801 |
| Net loans and leases to deposits | 95.2852% | 1,159 |
| Net loans and leases to core deposits | 103.0589% | 1,397 |
| Total domestic deposits to total assets | 77.8734% | 5,025 |
| Equity capital to assets | 21.9372% | 156 |
| Core capital (leverage) ratio | 22.1222% | 130 |
| Tier 1 risk-based capital ratio | 31.9691% | 418 |
| Total risk-based capital ratio | 33.2190% | 414 |
| Memoranda: | ||
| Average total assets | $36,592,000 | 5,729 |
| Average earning assets | $35,041,670 | 5,693 |
| Average equity | $8,114,000 | 5,005 |
| Average total loans | $27,372,670 | 5,392 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 4,673 |
| Cost of funding earning assets | 0.6563% | 1,022 |
| Net interest margin | 2.9244% | 5,275 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 2.7027% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0879% | 5,700 |
| Return on assets (ROA) | 0.0879% | 5,744 |
| Pretax return on assets | 0.0879% | 5,750 |
| Return on Equity (ROE) | 0.3942% | 5,784 |
| Retained earnings to average equity (ytd only) | 0.3942% | 5,022 |
| Net charge-offs to loans | 1.1036% | 165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 0.1067% | 2,968 |
| Efficiency ratio | 96.8504% | 378 |
| Assets per employee ($millions) | 7.2654% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 2,643 |
| Loan loss allowance to noncurrent loans | 120.2658% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 2.5491% | 572 |
| Noncurrent loans to loans | 1.1241% | 2,146 |
| Net loans and leases to total assets | 72.7118% | 1,917 |
| Net loans and leases to deposits | 93.9031% | 1,154 |
| Net loans and leases to core deposits | 103.7674% | 1,203 |
| Total domestic deposits to total assets | 77.4328% | 5,229 |
| Equity capital to assets | 22.3553% | 147 |
| Core capital (leverage) ratio | 22.5171% | 125 |
| Tier 1 risk-based capital ratio | 32.4049% | 414 |
| Total risk-based capital ratio | 33.6579% | 405 |
| Memoranda: | ||
| Average total assets | $36,408,000 | 5,792 |
| Average earning assets | $34,742,500 | 5,749 |
| Average equity | $8,117,000 | 5,036 |
| Average total loans | $27,183,500 | 5,442 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 4,586 |
| Cost of funding earning assets | 0.6021% | 1,345 |
| Net interest margin | 3.0294% | 5,066 |
| Noninterest income to average assets | 0.0129% | 6,082 |
| Noninterest expense to average assets | 2.8016% | 3,223 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1363% | 5,703 |
| Return on assets (ROA) | 0.1363% | 5,753 |
| Pretax return on assets | 0.1363% | 5,769 |
| Return on Equity (ROE) | 0.6558% | 5,818 |
| Retained earnings to average equity (ytd only) | 0.6558% | 5,247 |
| Net charge-offs to loans | -0.1704% | 5,928 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3590% | 428 |
| Assets per employee ($millions) | 7.2978% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5838% | 1,667 |
| Loan loss allowance to noncurrent loans | 15.8909% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 7.5365% | 86 |
| Noncurrent loans to loans | 9.9670% | 44 |
| Net loans and leases to total assets | 74.4169% | 1,654 |
| Net loans and leases to deposits | 95.9370% | 1,017 |
| Net loans and leases to core deposits | 105.9255% | 1,100 |
| Total domestic deposits to total assets | 77.5686% | 5,234 |
| Equity capital to assets | 22.2341% | 137 |
| Core capital (leverage) ratio | 22.1135% | 131 |
| Tier 1 risk-based capital ratio | 31.9699% | 430 |
| Total risk-based capital ratio | 33.2269% | 425 |
| Memoranda: | ||
| Average total assets | $38,870,600 | 5,787 |
| Average earning assets | $37,532,400 | 5,740 |
| Average equity | $8,081,200 | 5,048 |
| Average total loans | $29,928,800 | 5,361 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 4,681 |
| Cost of funding earning assets | 0.5945% | 1,440 |
| Net interest margin | 3.0213% | 5,149 |
| Noninterest income to average assets | 0.0101% | 6,169 |
| Noninterest expense to average assets | 2.8142% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1149% | 5,824 |
| Return on assets (ROA) | 0.1149% | 5,865 |
| Pretax return on assets | 0.1149% | 5,879 |
| Return on Equity (ROE) | 0.5615% | 5,914 |
| Retained earnings to average equity (ytd only) | 0.5615% | 5,452 |
| Net charge-offs to loans | -0.2229% | 6,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0784% | 415 |
| Assets per employee ($millions) | 7.4388% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 1,909 |
| Loan loss allowance to noncurrent loans | 15.8909% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 7.3937% | 98 |
| Noncurrent loans to loans | 9.8489% | 43 |
| Net loans and leases to total assets | 73.8963% | 1,753 |
| Net loans and leases to deposits | 94.7432% | 1,114 |
| Net loans and leases to core deposits | 104.3232% | 1,210 |
| Total domestic deposits to total assets | 77.9965% | 5,181 |
| Equity capital to assets | 21.7616% | 162 |
| Core capital (leverage) ratio | 20.2791% | 195 |
| Tier 1 risk-based capital ratio | 31.8938% | 446 |
| Total risk-based capital ratio | 33.1508% | 438 |
| Memoranda: | ||
| Average total assets | $39,466,000 | 5,849 |
| Average earning assets | $38,128,500 | 5,804 |
| Average equity | $8,073,250 | 5,115 |
| Average total loans | $30,513,250 | 5,403 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 4,832 |
| Cost of funding earning assets | 0.5763% | 1,603 |
| Net interest margin | 2.9842% | 5,262 |
| Noninterest income to average assets | 0.0099% | 6,246 |
| Noninterest expense to average assets | 2.8342% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0597% | 5,922 |
| Return on assets (ROA) | 0.0597% | 5,962 |
| Pretax return on assets | 0.0597% | 5,968 |
| Return on Equity (ROE) | 0.2975% | 5,992 |
| Retained earnings to average equity (ytd only) | 0.2975% | 5,416 |
| Net charge-offs to loans | -0.0637% | 5,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9381% | 378 |
| Assets per employee ($millions) | 7.8966% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 3,218 |
| Loan loss allowance to noncurrent loans | 8.5714% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 11.7012% | 45 |
| Noncurrent loans to loans | 15.2184% | 24 |
| Net loans and leases to total assets | 75.8858% | 1,380 |
| Net loans and leases to deposits | 95.8171% | 980 |
| Net loans and leases to core deposits | 100.3282% | 1,466 |
| Total domestic deposits to total assets | 79.1986% | 5,050 |
| Equity capital to assets | 20.4442% | 208 |
| Core capital (leverage) ratio | 20.2880% | 191 |
| Tier 1 risk-based capital ratio | 28.5785% | 608 |
| Total risk-based capital ratio | 29.8354% | 601 |
| Memoranda: | ||
| Average total assets | $40,223,330 | 5,899 |
| Average earning assets | $38,871,670 | 5,842 |
| Average equity | $8,066,330 | 5,148 |
| Average total loans | $31,377,000 | 5,417 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2227% | 5,613 |
| Cost of funding earning assets | 0.5609% | 1,744 |
| Net interest margin | 2.6618% | 5,847 |
| Noninterest income to average assets | 0.0197% | 6,294 |
| Noninterest expense to average assets | 2.5226% | 4,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0690% | 5,927 |
| Return on assets (ROA) | 0.0690% | 5,979 |
| Pretax return on assets | 0.0690% | 5,979 |
| Return on Equity (ROE) | 0.3472% | 6,006 |
| Retained earnings to average equity (ytd only) | 0.3472% | 5,258 |
| Net charge-offs to loans | 0.1882% | 1,175 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.4667% | 3,049 |
| Efficiency ratio | 97.3384% | 455 |
| Assets per employee ($millions) | 8.0426% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1688% | 4,152 |
| Loan loss allowance to noncurrent loans | 8.1754% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 11.2849% | 57 |
| Noncurrent loans to loans | 14.2970% | 28 |
| Net loans and leases to total assets | 78.0096% | 930 |
| Net loans and leases to deposits | 97.9150% | 680 |
| Net loans and leases to core deposits | 107.2552% | 857 |
| Total domestic deposits to total assets | 79.6708% | 5,132 |
| Equity capital to assets | 20.0607% | 224 |
| Core capital (leverage) ratio | 19.8768% | 211 |
| Tier 1 risk-based capital ratio | 27.3690% | 687 |
| Total risk-based capital ratio | 28.6175% | 669 |
| Memoranda: | ||
| Average total assets | $40,593,500 | 5,950 |
| Average earning assets | $39,222,000 | 5,889 |
| Average equity | $8,063,500 | 5,197 |
| Average total loans | $31,886,500 | 5,441 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3285% | 5,661 |
| Cost of funding earning assets | 0.5889% | 1,865 |
| Net interest margin | 2.7396% | 5,885 |
| Noninterest income to average assets | 0.0892% | 6,195 |
| Noninterest expense to average assets | 2.7606% | 3,635 |
| Loan and lease loss provision to assets | 0.1115% | 2,307 |
| Net operating income to assets | -0.2007% | 6,206 |
| Return on assets (ROA) | -0.2007% | 6,205 |
| Pretax return on assets | -0.2007% | 6,191 |
| Return on Equity (ROE) | -1.0018% | 6,166 |
| Retained earnings to average equity (ytd only) | -1.0018% | 5,919 |
| Net charge-offs to loans | 0.2040% | 2,035 |
| Credit loss provision to net charge-offs | 72.5806% | 3,006 |
| Earnings coverage of net charge-offs (x) | -0.5806% | 4,771 |
| Efficiency ratio | 103.3395% | 301 |
| Assets per employee ($millions) | 8.1948% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 3,964 |
| Loan loss allowance to noncurrent loans | 7.9752% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 11.8124% | 61 |
| Noncurrent loans to loans | 15.1099% | 25 |
| Net loans and leases to total assets | 77.2343% | 1,104 |
| Net loans and leases to deposits | 96.3202% | 884 |
| Net loans and leases to core deposits | 105.2481% | 1,059 |
| Total domestic deposits to total assets | 80.1850% | 4,969 |
| Equity capital to assets | 19.6710% | 237 |
| Core capital (leverage) ratio | 19.9777% | 212 |
| Tier 1 risk-based capital ratio | 27.3109% | 654 |
| Total risk-based capital ratio | 28.4698% | 646 |
| Memoranda: | ||
| Average total assets | $40,353,000 | 6,029 |
| Average earning assets | $38,035,200 | 5,984 |
| Average equity | $8,085,200 | 5,185 |
| Average total loans | $30,395,600 | 5,549 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 5,691 |
| Cost of funding earning assets | 0.5986% | 1,843 |
| Net interest margin | 2.7413% | 5,951 |
| Noninterest income to average assets | 0.0166% | 6,444 |
| Noninterest expense to average assets | 2.8691% | 3,235 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.2852% | 6,309 |
| Return on assets (ROA) | -0.2852% | 6,304 |
| Pretax return on assets | -0.2852% | 6,285 |
| Return on Equity (ROE) | -1.4170% | 6,257 |
| Retained earnings to average equity (ytd only) | -1.4170% | 6,021 |
| Net charge-offs to loans | 0.1734% | 2,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -2.2050% | 4,573 |
| Efficiency ratio | 111.0398% | 209 |
| Assets per employee ($millions) | 7.9892% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 4,380 |
| Loan loss allowance to noncurrent loans | 7.5833% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 12.0162% | 63 |
| Noncurrent loans to loans | 15.4405% | 30 |
| Net loans and leases to total assets | 76.9113% | 1,103 |
| Net loans and leases to deposits | 96.5282% | 840 |
| Net loans and leases to core deposits | 105.7809% | 969 |
| Total domestic deposits to total assets | 79.6776% | 5,176 |
| Equity capital to assets | 20.1647% | 225 |
| Core capital (leverage) ratio | 20.9952% | 172 |
| Tier 1 risk-based capital ratio | 27.9950% | 642 |
| Total risk-based capital ratio | 29.1523% | 633 |
| Memoranda: | ||
| Average total assets | $40,197,750 | 6,106 |
| Average earning assets | $37,645,000 | 6,069 |
| Average equity | $8,091,500 | 5,220 |
| Average total loans | $29,986,500 | 5,618 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4878% | 5,433 |
| Cost of funding earning assets | 0.6161% | 1,764 |
| Net interest margin | 2.8717% | 5,784 |
| Noninterest income to average assets | 0.0199% | 6,509 |
| Noninterest expense to average assets | 2.9592% | 2,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.2780% | 6,359 |
| Return on assets (ROA) | -0.2780% | 6,369 |
| Pretax return on assets | -0.2780% | 6,352 |
| Return on Equity (ROE) | -1.3821% | 6,297 |
| Retained earnings to average equity (ytd only) | -1.3821% | 5,911 |
| Net charge-offs to loans | 0.2633% | 1,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -1.4359% | 4,228 |
| Efficiency ratio | 110.3704% | 226 |
| Assets per employee ($millions) | 7.7584% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 3,954 |
| Loan loss allowance to noncurrent loans | 7.9476% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 11.8066% | 71 |
| Noncurrent loans to loans | 16.1290% | 26 |
| Net loans and leases to total assets | 72.2623% | 1,693 |
| Net loans and leases to deposits | 91.4644% | 1,221 |
| Net loans and leases to core deposits | 101.7754% | 1,150 |
| Total domestic deposits to total assets | 79.0060% | 5,455 |
| Equity capital to assets | 20.8419% | 181 |
| Core capital (leverage) ratio | 20.7750% | 174 |
| Tier 1 risk-based capital ratio | 30.7918% | 490 |
| Total risk-based capital ratio | 31.9458% | 491 |
| Memoranda: | ||
| Average total assets | $40,281,670 | 6,165 |
| Average earning assets | $37,330,330 | 6,134 |
| Average equity | $8,103,670 | 5,248 |
| Average total loans | $29,619,670 | 5,674 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4151% | 5,614 |
| Cost of funding earning assets | 0.6444% | 1,623 |
| Net interest margin | 2.7707% | 5,995 |
| Noninterest income to average assets | 0.0195% | 6,568 |
| Noninterest expense to average assets | 3.0809% | 2,586 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5460% | 6,488 |
| Return on assets (ROA) | -0.5460% | 6,484 |
| Pretax return on assets | -0.5460% | 6,469 |
| Return on Equity (ROE) | -2.7610% | 6,396 |
| Retained earnings to average equity (ytd only) | -2.7610% | 5,942 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5385% | 167 |
| Assets per employee ($millions) | 8.0448% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3674% | 3,754 |
| Loan loss allowance to noncurrent loans | 14.6705% | 6,145 |
| Noncurrent assets plus other real estate owned to assets | 12.8928% | 61 |
| Noncurrent loans to loans | 9.3210% | 114 |
| Net loans and leases to total assets | 72.2653% | 1,542 |
| Net loans and leases to deposits | 90.5912% | 1,082 |
| Net loans and leases to core deposits | 100.2864% | 1,082 |
| Total domestic deposits to total assets | 79.7708% | 5,533 |
| Equity capital to assets | 20.0999% | 213 |
| Core capital (leverage) ratio | 19.7958% | 215 |
| Tier 1 risk-based capital ratio | 27.6033% | 666 |
| Total risk-based capital ratio | 28.8392% | 656 |
| Memoranda: | ||
| Average total assets | $41,026,500 | 6,201 |
| Average earning assets | $37,246,500 | 6,194 |
| Average equity | $8,113,000 | 5,256 |
| Average total loans | $30,231,500 | 5,712 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5216% | 5,600 |
| Cost of funding earning assets | 0.9520% | 569 |
| Net interest margin | 2.5696% | 6,300 |
| Noninterest income to average assets | 0.0102% | 6,629 |
| Noninterest expense to average assets | 2.2326% | 5,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.0672% | 6,269 |
| Return on assets (ROA) | -0.0672% | 6,297 |
| Pretax return on assets | -0.0672% | 6,268 |
| Return on Equity (ROE) | -0.4041% | 6,288 |
| Retained earnings to average equity (ytd only) | -0.4041% | 5,951 |
| Net charge-offs to loans | 0.6577% | 988 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | -0.1542% | 5,136 |
| Efficiency ratio | 103.1044% | 393 |
| Assets per employee ($millions) | 8.3658% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,144 |
| Loan loss allowance to noncurrent loans | 14.6705% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 12.3933% | 73 |
| Noncurrent loans to loans | 8.8636% | 151 |
| Net loans and leases to total assets | 73.1287% | 1,498 |
| Net loans and leases to deposits | 90.9467% | 1,160 |
| Net loans and leases to core deposits | 102.8167% | 982 |
| Total domestic deposits to total assets | 80.4083% | 5,342 |
| Equity capital to assets | 19.4626% | 236 |
| Core capital (leverage) ratio | 18.8838% | 247 |
| Tier 1 risk-based capital ratio | 26.4387% | 738 |
| Total risk-based capital ratio | 27.6793% | 717 |
| Memoranda: | ||
| Average total assets | $49,091,800 | 6,034 |
| Average earning assets | $41,174,400 | 6,138 |
| Average equity | $8,166,800 | 5,295 |
| Average total loans | $32,535,200 | 5,644 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4756% | 5,743 |
| Cost of funding earning assets | 1.0198% | 447 |
| Net interest margin | 2.4558% | 6,470 |
| Noninterest income to average assets | 0.0079% | 6,725 |
| Noninterest expense to average assets | 2.0245% | 5,966 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0079% | 6,287 |
| Return on assets (ROA) | 0.0079% | 6,335 |
| Pretax return on assets | 0.0079% | 6,315 |
| Return on Equity (ROE) | 0.0489% | 6,338 |
| Retained earnings to average equity (ytd only) | 0.0489% | 5,918 |
| Net charge-offs to loans | 0.6845% | 881 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.0178% | 4,852 |
| Efficiency ratio | 99.6134% | 476 |
| Assets per employee ($millions) | 8.8902% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 4,009 |
| Loan loss allowance to noncurrent loans | 15.1045% | 6,323 |
| Noncurrent assets plus other real estate owned to assets | 12.1347% | 83 |
| Noncurrent loans to loans | 9.0945% | 167 |
| Net loans and leases to total assets | 72.3606% | 1,551 |
| Net loans and leases to deposits | 88.7947% | 1,285 |
| Net loans and leases to core deposits | 99.7488% | 1,134 |
| Total domestic deposits to total assets | 81.4920% | 5,090 |
| Equity capital to assets | 18.3955% | 299 |
| Core capital (leverage) ratio | 15.6276% | 551 |
| Tier 1 risk-based capital ratio | 25.5180% | 830 |
| Total risk-based capital ratio | 26.7601% | 817 |
| Memoranda: | ||
| Average total assets | $50,907,500 | 6,064 |
| Average earning assets | $41,968,250 | 6,183 |
| Average equity | $8,173,250 | 5,344 |
| Average total loans | $32,921,000 | 5,683 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4636% | 5,760 |
| Cost of funding earning assets | 1.0476% | 439 |
| Net interest margin | 2.4160% | 6,540 |
| Noninterest income to average assets | 0.0151% | 6,758 |
| Noninterest expense to average assets | 1.9412% | 6,148 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0038% | 6,299 |
| Return on assets (ROA) | 0.0038% | 6,362 |
| Pretax return on assets | 0.0038% | 6,348 |
| Return on Equity (ROE) | 0.0245% | 6,365 |
| Retained earnings to average equity (ytd only) | 0.0245% | 5,838 |
| Net charge-offs to loans | 0.0363% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.1667% | 4,492 |
| Efficiency ratio | 99.8062% | 490 |
| Assets per employee ($millions) | 10.5522% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,222 |
| Loan loss allowance to noncurrent loans | 16.1256% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 11.5748% | 113 |
| Noncurrent loans to loans | 11.5465% | 99 |
| Net loans and leases to total assets | 61.0375% | 3,478 |
| Net loans and leases to deposits | 74.8286% | 3,033 |
| Net loans and leases to core deposits | 84.6894% | 2,468 |
| Total domestic deposits to total assets | 81.5697% | 5,194 |
| Equity capital to assets | 15.4944% | 618 |
| Core capital (leverage) ratio | 15.3819% | 548 |
| Tier 1 risk-based capital ratio | 24.1129% | 988 |
| Total risk-based capital ratio | 25.3222% | 968 |
| Memoranda: | ||
| Average total assets | $53,059,670 | 6,050 |
| Average earning assets | $42,383,330 | 6,210 |
| Average equity | $8,172,000 | 5,389 |
| Average total loans | $33,023,670 | 5,712 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 5,311 |
| Cost of funding earning assets | 1.0559% | 460 |
| Net interest margin | 2.5917% | 6,385 |
| Noninterest income to average assets | 0.0075% | 6,835 |
| Noninterest expense to average assets | 2.0899% | 5,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0526% | 6,405 |
| Return on assets (ROA) | -0.0526% | 6,458 |
| Pretax return on assets | -0.0526% | 6,446 |
| Return on Equity (ROE) | -0.3427% | 6,448 |
| Retained earnings to average equity (ytd only) | -0.3427% | 5,842 |
| Net charge-offs to loans | 0.0604% | 3,213 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -1.4000% | 3,992 |
| Efficiency ratio | 102.5830% | 467 |
| Assets per employee ($millions) | 10.6732% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 2,359 |
| Loan loss allowance to noncurrent loans | 32.9386% | 5,915 |
| Noncurrent assets plus other real estate owned to assets | 8.4136% | 286 |
| Noncurrent loans to loans | 5.7152% | 609 |
| Net loans and leases to total assets | 59.7721% | 3,471 |
| Net loans and leases to deposits | 73.1136% | 3,033 |
| Net loans and leases to core deposits | 83.5398% | 2,382 |
| Total domestic deposits to total assets | 81.7524% | 5,277 |
| Equity capital to assets | 15.3038% | 681 |
| Core capital (leverage) ratio | 15.3356% | 537 |
| Tier 1 risk-based capital ratio | 24.1606% | 996 |
| Total risk-based capital ratio | 25.4179% | 975 |
| Memoranda: | ||
| Average total assets | $53,209,000 | 6,098 |
| Average earning assets | $41,671,000 | 6,292 |
| Average equity | $8,170,500 | 5,440 |
| Average total loans | $33,128,000 | 5,743 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9766% | 5,383 |
| Cost of funding earning assets | 1.0857% | 956 |
| Net interest margin | 2.8909% | 6,241 |
| Noninterest income to average assets | 0.0155% | 6,786 |
| Noninterest expense to average assets | 2.3704% | 5,494 |
| Loan and lease loss provision to assets | 0.1956% | 3,186 |
| Net operating income to assets | 0.0194% | 6,138 |
| Return on assets (ROA) | 0.0194% | 6,280 |
| Pretax return on assets | 0.0174% | 6,259 |
| Return on Equity (ROE) | 0.1207% | 6,286 |
| Retained earnings to average equity (ytd only) | -0.1207% | 5,873 |
| Net charge-offs to loans | 0.4204% | 2,557 |
| Credit loss provision to net charge-offs | 61.2121% | 4,412 |
| Earnings coverage of net charge-offs (x) | 0.6667% | 5,153 |
| Efficiency ratio | 91.7541% | 936 |
| Assets per employee ($millions) | 10.6104% | 194 |
| Cash dividends to net income (ytd only)* | 200.0000% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8284% | 2,502 |
| Loan loss allowance to noncurrent loans | 25.1221% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 9.3832% | 246 |
| Noncurrent loans to loans | 7.2779% | 426 |
| Net loans and leases to total assets | 62.4463% | 3,177 |
| Net loans and leases to deposits | 76.4874% | 2,722 |
| Net loans and leases to core deposits | 89.3423% | 1,919 |
| Total domestic deposits to total assets | 81.6425% | 5,212 |
| Equity capital to assets | 15.4075% | 655 |
| Core capital (leverage) ratio | 15.6623% | 489 |
| Tier 1 risk-based capital ratio | 23.7395% | 1,000 |
| Total risk-based capital ratio | 24.9971% | 977 |
| Memoranda: | ||
| Average total assets | $51,635,800 | 6,157 |
| Average earning assets | $45,868,000 | 6,184 |
| Average equity | $8,287,600 | 5,422 |
| Average total loans | $39,251,000 | 5,539 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0643% | 5,308 |
| Cost of funding earning assets | 1.0963% | 1,073 |
| Net interest margin | 2.9680% | 6,236 |
| Noninterest income to average assets | 0.0208% | 6,887 |
| Noninterest expense to average assets | 1.9474% | 6,450 |
| Loan and lease loss provision to assets | 0.0832% | 4,580 |
| Net operating income to assets | 0.6994% | 3,922 |
| Return on assets (ROA) | 0.6994% | 4,165 |
| Pretax return on assets | 0.7072% | 4,833 |
| Return on Equity (ROE) | 4.3129% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.9922% | 4,074 |
| Net charge-offs to loans | 0.0919% | 4,455 |
| Credit loss provision to net charge-offs | 114.2857% | 2,550 |
| Earnings coverage of net charge-offs (x) | 10.8578% | 2,138 |
| Efficiency ratio | 71.1301% | 3,482 |
| Assets per employee ($millions) | 10.3278% | 212 |
| Cash dividends to net income (ytd only)* | 7.4360% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7950% | 2,815 |
| Loan loss allowance to noncurrent loans | 26.7369% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 4.9614% | 906 |
| Noncurrent loans to loans | 6.7135% | 558 |
| Net loans and leases to total assets | 72.5750% | 1,456 |
| Net loans and leases to deposits | 90.0067% | 1,146 |
| Net loans and leases to core deposits | 99.5379% | 1,159 |
| Total domestic deposits to total assets | 80.6329% | 5,475 |
| Equity capital to assets | 16.3307% | 553 |
| Core capital (leverage) ratio | 15.9553% | 481 |
| Tier 1 risk-based capital ratio | 23.7730% | 1,054 |
| Total risk-based capital ratio | 25.0303% | 1,033 |
| Memoranda: | ||
| Average total assets | $51,281,750 | 6,242 |
| Average earning assets | $46,944,500 | 6,224 |
| Average equity | $8,316,000 | 5,468 |
| Average total loans | $40,627,250 | 5,541 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0622% | 5,450 |
| Cost of funding earning assets | 1.0723% | 1,347 |
| Net interest margin | 2.9899% | 6,265 |
| Noninterest income to average assets | 0.0274% | 6,925 |
| Noninterest expense to average assets | 1.9585% | 6,502 |
| Loan and lease loss provision to assets | 0.0117% | 5,518 |
| Net operating income to assets | 0.8287% | 3,251 |
| Return on assets (ROA) | 0.8287% | 3,516 |
| Pretax return on assets | 0.8365% | 4,325 |
| Return on Equity (ROE) | 5.1226% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.6394% | 3,523 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7772% | 3,806 |
| Assets per employee ($millions) | 10.4776% | 204 |
| Cash dividends to net income (ytd only)* | 9.4340% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6776% | 3,329 |
| Loan loss allowance to noncurrent loans | 26.4603% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 4.9343% | 972 |
| Noncurrent loans to loans | 6.3401% | 675 |
| Net loans and leases to total assets | 76.5213% | 906 |
| Net loans and leases to deposits | 101.9765% | 343 |
| Net loans and leases to core deposits | 113.7862% | 458 |
| Total domestic deposits to total assets | 75.0382% | 6,587 |
| Equity capital to assets | 15.9903% | 579 |
| Core capital (leverage) ratio | 16.3821% | 426 |
| Tier 1 risk-based capital ratio | 27.3535% | 696 |
| Total risk-based capital ratio | 28.6204% | 678 |
| Memoranda: | ||
| Average total assets | $51,162,670 | 6,285 |
| Average earning assets | $47,560,670 | 6,246 |
| Average equity | $8,277,000 | 5,486 |
| Average total loans | $41,449,000 | 5,534 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0100% | 5,726 |
| Cost of funding earning assets | 1.0738% | 1,528 |
| Net interest margin | 2.9362% | 6,420 |
| Noninterest income to average assets | 0.0237% | 7,038 |
| Noninterest expense to average assets | 1.9466% | 6,557 |
| Loan and lease loss provision to assets | 0.0158% | 5,123 |
| Net operating income to assets | 0.8388% | 3,205 |
| Return on assets (ROA) | 0.8388% | 3,442 |
| Pretax return on assets | 0.8309% | 4,299 |
| Return on Equity (ROE) | 5.1538% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.1814% | 4,082 |
| Net charge-offs to loans | 0.0096% | 4,594 |
| Credit loss provision to net charge-offs | 200.0000% | 1,332 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 324 |
| Efficiency ratio | 69.6884% | 3,868 |
| Assets per employee ($millions) | 10.1000% | 227 |
| Cash dividends to net income (ytd only)* | 18.8679% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6494% | 3,543 |
| Loan loss allowance to noncurrent loans | 28.7279% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 4.7010% | 1,122 |
| Noncurrent loans to loans | 5.7415% | 906 |
| Net loans and leases to total assets | 80.5267% | 362 |
| Net loans and leases to deposits | 108.2637% | 161 |
| Net loans and leases to core deposits | 121.7983% | 285 |
| Total domestic deposits to total assets | 74.3802% | 6,714 |
| Equity capital to assets | 16.3762% | 515 |
| Core capital (leverage) ratio | 16.5030% | 413 |
| Tier 1 risk-based capital ratio | 27.0164% | 732 |
| Total risk-based capital ratio | 28.2741% | 714 |
| Memoranda: | ||
| Average total assets | $50,550,000 | 6,354 |
| Average earning assets | $47,680,500 | 6,284 |
| Average equity | $8,227,000 | 5,524 |
| Average total loans | $41,787,500 | 5,557 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 5,554 |
| Cost of funding earning assets | 1.3346% | 1,320 |
| Net interest margin | 3.0301% | 6,482 |
| Noninterest income to average assets | 0.0457% | 6,853 |
| Noninterest expense to average assets | 1.8900% | 6,844 |
| Loan and lease loss provision to assets | 0.8698% | 1,116 |
| Net operating income to assets | 0.1979% | 5,598 |
| Return on assets (ROA) | 0.1979% | 5,728 |
| Pretax return on assets | 0.1941% | 5,803 |
| Return on Equity (ROE) | 1.2477% | 5,901 |
| Retained earnings to average equity (ytd only) | -0.7318% | 5,968 |
| Net charge-offs to loans | 0.9605% | 1,797 |
| Credit loss provision to net charge-offs | 113.1188% | 2,915 |
| Earnings coverage of net charge-offs (x) | 1.3837% | 4,731 |
| Efficiency ratio | 63.9820% | 5,135 |
| Assets per employee ($millions) | 10.1200% | 221 |
| Cash dividends to net income (ytd only)* | 158.6538% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6127% | 3,539 |
| Loan loss allowance to noncurrent loans | 321.2264% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 5,924 |
| Noncurrent loans to loans | 0.5020% | 5,705 |
| Net loans and leases to total assets | 82.1067% | 332 |
| Net loans and leases to deposits | 110.1344% | 169 |
| Net loans and leases to core deposits | 128.4901% | 253 |
| Total domestic deposits to total assets | 74.5514% | 6,667 |
| Equity capital to assets | 16.1739% | 559 |
| Core capital (leverage) ratio | 16.1966% | 440 |
| Tier 1 risk-based capital ratio | 26.1169% | 766 |
| Total risk-based capital ratio | 27.3775% | 751 |
| Memoranda: | ||
| Average total assets | $52,539,200 | 6,286 |
| Average earning assets | $50,428,200 | 6,176 |
| Average equity | $8,335,600 | 5,467 |
| Average total loans | $42,062,000 | 5,599 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 5,862 |
| Cost of funding earning assets | 1.4037% | 1,219 |
| Net interest margin | 2.9226% | 6,720 |
| Noninterest income to average assets | 0.0503% | 6,953 |
| Noninterest expense to average assets | 1.8758% | 6,883 |
| Loan and lease loss provision to assets | 0.2364% | 3,647 |
| Net operating income to assets | 0.7393% | 3,433 |
| Return on assets (ROA) | 0.7393% | 3,601 |
| Pretax return on assets | 0.7443% | 4,335 |
| Return on Equity (ROE) | 4.6813% | 4,677 |
| Retained earnings to average equity (ytd only) | 3.4075% | 4,312 |
| Net charge-offs to loans | 0.2316% | 3,982 |
| Credit loss provision to net charge-offs | 128.7671% | 2,474 |
| Earnings coverage of net charge-offs (x) | 5.3425% | 2,817 |
| Efficiency ratio | 65.6690% | 4,782 |
| Assets per employee ($millions) | 12.6905% | 137 |
| Cash dividends to net income (ytd only)* | 27.2099% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5594% | 3,847 |
| Loan loss allowance to noncurrent loans | 134.3685% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 0.9515% | 4,842 |
| Noncurrent loans to loans | 1.1606% | 4,599 |
| Net loans and leases to total assets | 80.7080% | 443 |
| Net loans and leases to deposits | 109.0210% | 191 |
| Net loans and leases to core deposits | 127.0435% | 277 |
| Total domestic deposits to total assets | 74.0298% | 6,755 |
| Equity capital to assets | 16.6640% | 523 |
| Core capital (leverage) ratio | 16.0842% | 489 |
| Tier 1 risk-based capital ratio | 27.0143% | 733 |
| Total risk-based capital ratio | 28.2758% | 723 |
| Memoranda: | ||
| Average total assets | $53,024,000 | 6,312 |
| Average earning assets | $50,911,500 | 6,206 |
| Average equity | $8,373,500 | 5,480 |
| Average total loans | $42,020,750 | 5,647 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3172% | 5,964 |
| Cost of funding earning assets | 1.4442% | 1,213 |
| Net interest margin | 2.8730% | 6,838 |
| Noninterest income to average assets | 0.0483% | 7,055 |
| Noninterest expense to average assets | 1.8632% | 6,989 |
| Loan and lease loss provision to assets | 0.2157% | 3,761 |
| Net operating income to assets | 0.7289% | 3,392 |
| Return on assets (ROA) | 0.7289% | 3,509 |
| Pretax return on assets | 0.7289% | 4,279 |
| Return on Equity (ROE) | 4.6974% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.6974% | 3,199 |
| Net charge-offs to loans | 0.2467% | 3,644 |
| Credit loss provision to net charge-offs | 111.5385% | 2,747 |
| Earnings coverage of net charge-offs (x) | 4.8846% | 2,741 |
| Efficiency ratio | 66.3576% | 4,813 |
| Assets per employee ($millions) | 13.3343% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 3,933 |
| Loan loss allowance to noncurrent loans | 128.8618% | 2,290 |
| Noncurrent assets plus other real estate owned to assets | 0.9224% | 5,023 |
| Noncurrent loans to loans | 1.1964% | 4,656 |
| Net loans and leases to total assets | 75.9098% | 1,085 |
| Net loans and leases to deposits | 106.6877% | 245 |
| Net loans and leases to core deposits | 122.2132% | 372 |
| Total domestic deposits to total assets | 71.1514% | 7,055 |
| Equity capital to assets | 15.8258% | 636 |
| Core capital (leverage) ratio | 15.5879% | 562 |
| Tier 1 risk-based capital ratio | 26.8386% | 739 |
| Total risk-based capital ratio | 28.0977% | 722 |
| Memoranda: | ||
| Average total assets | $53,778,000 | 6,338 |
| Average earning assets | $51,654,000 | 6,230 |
| Average equity | $8,345,000 | 5,505 |
| Average total loans | $42,155,000 | 5,699 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 6,139 |
| Cost of funding earning assets | 1.5127% | 1,115 |
| Net interest margin | 2.7399% | 6,977 |
| Noninterest income to average assets | 0.0148% | 7,263 |
| Noninterest expense to average assets | 1.7260% | 7,207 |
| Loan and lease loss provision to assets | 0.1482% | 4,162 |
| Net operating income to assets | 0.7704% | 3,168 |
| Return on assets (ROA) | 0.7704% | 3,241 |
| Pretax return on assets | 0.7704% | 4,015 |
| Return on Equity (ROE) | 5.0139% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.0139% | 3,187 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2661% | 5,158 |
| Assets per employee ($millions) | 13.3328% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4883% | 4,268 |
| Loan loss allowance to noncurrent loans | 146.9388% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8269% | 5,253 |
| Noncurrent loans to loans | 1.0128% | 5,030 |
| Net loans and leases to total assets | 80.4279% | 476 |
| Net loans and leases to deposits | 117.1332% | 108 |
| Net loans and leases to core deposits | 135.2707% | 228 |
| Total domestic deposits to total assets | 68.6636% | 7,242 |
| Equity capital to assets | 15.6551% | 637 |
| Core capital (leverage) ratio | 15.5264% | 577 |
| Tier 1 risk-based capital ratio | 24.8408% | 893 |
| Total risk-based capital ratio | 26.0994% | 873 |
| Memoranda: | ||
| Average total assets | $53,998,500 | 6,373 |
| Average earning assets | $51,826,500 | 6,278 |
| Average equity | $8,297,000 | 5,523 |
| Average total loans | $42,671,500 | 5,719 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 4,113 |
| Cost of funding earning assets | 1.8942% | 858 |
| Net interest margin | 3.2020% | 6,267 |
| Noninterest income to average assets | 0.1169% | 6,823 |
| Noninterest expense to average assets | 2.2141% | 6,580 |
| Loan and lease loss provision to assets | 0.5036% | 3,139 |
| Net operating income to assets | 0.3885% | 4,595 |
| Return on assets (ROA) | 0.3885% | 4,738 |
| Pretax return on assets | 0.3961% | 4,956 |
| Return on Equity (ROE) | 2.4728% | 5,198 |
| Retained earnings to average equity (ytd only) | 0.0720% | 5,551 |
| Net charge-offs to loans | 0.4837% | 3,687 |
| Credit loss provision to net charge-offs | 125.9434% | 3,224 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 4,036 |
| Efficiency ratio | 71.1084% | 3,974 |
| Assets per employee ($millions) | 13.6665% | 117 |
| Cash dividends to net income (ytd only)* | 97.0874% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 3,994 |
| Loan loss allowance to noncurrent loans | 142.0814% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 1.1287% | 4,751 |
| Noncurrent loans to loans | 1.0574% | 4,955 |
| Net loans and leases to total assets | 75.3192% | 1,410 |
| Net loans and leases to deposits | 109.6424% | 242 |
| Net loans and leases to core deposits | 126.0879% | 391 |
| Total domestic deposits to total assets | 68.6953% | 7,298 |
| Equity capital to assets | 15.0825% | 763 |
| Core capital (leverage) ratio | 15.5963% | 561 |
| Tier 1 risk-based capital ratio | 25.2179% | 825 |
| Total risk-based capital ratio | 26.4750% | 805 |
| Memoranda: | ||
| Average total assets | $53,023,400 | 6,430 |
| Average earning assets | $49,625,800 | 6,379 |
| Average equity | $8,330,800 | 5,607 |
| Average total loans | $43,832,200 | 5,755 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2572% | 3,543 |
| Cost of funding earning assets | 2.0249% | 697 |
| Net interest margin | 3.2323% | 6,241 |
| Noninterest income to average assets | 0.1419% | 6,844 |
| Noninterest expense to average assets | 2.2985% | 6,334 |
| Loan and lease loss provision to assets | 0.0760% | 6,288 |
| Net operating income to assets | 0.7501% | 3,211 |
| Return on assets (ROA) | 0.7501% | 3,375 |
| Pretax return on assets | 0.7729% | 3,998 |
| Return on Equity (ROE) | 4.7252% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.0068% | 3,655 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0274% | 3,520 |
| Assets per employee ($millions) | 13.1405% | 135 |
| Cash dividends to net income (ytd only)* | 15.2030% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1491% | 4,818 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 83.1818% | 396 |
| Net loans and leases to deposits | 124.4790% | 94 |
| Net loans and leases to core deposits | 138.9191% | 268 |
| Total domestic deposits to total assets | 66.8239% | 7,437 |
| Equity capital to assets | 16.1524% | 647 |
| Core capital (leverage) ratio | 16.4672% | 495 |
| Tier 1 risk-based capital ratio | 24.1756% | 929 |
| Total risk-based capital ratio | 25.4314% | 901 |
| Memoranda: | ||
| Average total assets | $52,612,750 | 6,516 |
| Average earning assets | $48,922,250 | 6,474 |
| Average equity | $8,352,250 | 5,674 |
| Average total loans | $44,339,750 | 5,815 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 3,283 |
| Cost of funding earning assets | 2.1600% | 531 |
| Net interest margin | 3.1763% | 6,387 |
| Noninterest income to average assets | 0.1710% | 6,682 |
| Noninterest expense to average assets | 2.2231% | 6,593 |
| Loan and lease loss provision to assets | 0.1140% | 5,766 |
| Net operating income to assets | 0.7448% | 3,219 |
| Return on assets (ROA) | 0.7448% | 3,367 |
| Pretax return on assets | 0.7676% | 3,993 |
| Return on Equity (ROE) | 4.7193% | 4,426 |
| Retained earnings to average equity (ytd only) | 3.6358% | 3,790 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6034% | 3,875 |
| Assets per employee ($millions) | 10.6890% | 211 |
| Cash dividends to net income (ytd only)* | 22.9592% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3411% | 4,726 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5185% | 2,866 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 82.9993% | 439 |
| Net loans and leases to deposits | 129.2926% | 76 |
| Net loans and leases to core deposits | 144.6709% | 239 |
| Total domestic deposits to total assets | 64.1950% | 7,578 |
| Equity capital to assets | 15.6984% | 724 |
| Core capital (leverage) ratio | 16.2669% | 534 |
| Tier 1 risk-based capital ratio | 23.4758% | 998 |
| Total risk-based capital ratio | 24.7321% | 977 |
| Memoranda: | ||
| Average total assets | $52,629,670 | 6,561 |
| Average earning assets | $48,610,000 | 6,523 |
| Average equity | $8,306,330 | 5,692 |
| Average total loans | $44,344,670 | 5,849 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4744% | 2,709 |
| Cost of funding earning assets | 2.2365% | 529 |
| Net interest margin | 3.2379% | 6,171 |
| Noninterest income to average assets | 0.1915% | 6,595 |
| Noninterest expense to average assets | 2.1753% | 6,745 |
| Loan and lease loss provision to assets | 0.2298% | 4,204 |
| Net operating income to assets | 0.7353% | 3,283 |
| Return on assets (ROA) | 0.7353% | 3,387 |
| Pretax return on assets | 0.7583% | 4,031 |
| Return on Equity (ROE) | 4.6464% | 4,560 |
| Retained earnings to average equity (ytd only) | 2.4684% | 4,653 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7651% | 4,559 |
| Assets per employee ($millions) | 10.0314% | 263 |
| Cash dividends to net income (ytd only)* | 46.8750% | 1,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 4,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.7693% | 2,626 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 86.4944% | 190 |
| Net loans and leases to deposits | 139.3294% | 57 |
| Net loans and leases to core deposits | 157.7334% | 198 |
| Total domestic deposits to total assets | 62.0791% | 7,715 |
| Equity capital to assets | 16.5281% | 598 |
| Core capital (leverage) ratio | 15.6569% | 634 |
| Tier 1 risk-based capital ratio | 24.0318% | 964 |
| Total risk-based capital ratio | 25.2870% | 945 |
| Memoranda: | ||
| Average total assets | $52,222,000 | 6,659 |
| Average earning assets | $47,932,000 | 6,628 |
| Average equity | $8,264,500 | 5,748 |
| Average total loans | $44,036,000 | 5,935 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 4,589 |
| Cost of funding earning assets | 2.8917% | 316 |
| Net interest margin | 2.5282% | 7,397 |
| Noninterest income to average assets | 0.0618% | 7,447 |
| Noninterest expense to average assets | 1.6695% | 7,722 |
| Loan and lease loss provision to assets | 1.0769% | 2,127 |
| Net operating income to assets | -0.2559% | 5,907 |
| Return on assets (ROA) | -0.2559% | 5,906 |
| Pretax return on assets | -0.2594% | 5,789 |
| Return on Equity (ROE) | -1.8682% | 5,837 |
| Retained earnings to average equity (ytd only) | -4.4385% | 5,933 |
| Net charge-offs to loans | 1.2968% | 1,914 |
| Credit loss provision to net charge-offs | 97.2093% | 5,717 |
| Earnings coverage of net charge-offs (x) | 0.7380% | 5,362 |
| Efficiency ratio | 67.1271% | 5,160 |
| Assets per employee ($millions) | 13.5718% | 131 |
| Cash dividends to net income (ytd only)* | -137.5839% | 7,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2997% | 4,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5586% | 2,733 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 80.1536% | 964 |
| Net loans and leases to deposits | 126.1978% | 114 |
| Net loans and leases to core deposits | 251.9426% | 50 |
| Total domestic deposits to total assets | 63.5143% | 7,720 |
| Equity capital to assets | 15.1767% | 877 |
| Core capital (leverage) ratio | 15.0646% | 763 |
| Tier 1 risk-based capital ratio | 23.2727% | 1,011 |
| Total risk-based capital ratio | 24.5269% | 993 |
| Memoranda: | ||
| Average total assets | $58,221,800 | 6,424 |
| Average earning assets | $55,849,400 | 6,299 |
| Average equity | $7,975,600 | 5,934 |
| Average total loans | $49,739,600 | 5,684 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4326% | 4,778 |
| Cost of funding earning assets | 2.9957% | 336 |
| Net interest margin | 2.4369% | 7,532 |
| Noninterest income to average assets | 0.0631% | 7,597 |
| Noninterest expense to average assets | 1.6259% | 7,810 |
| Loan and lease loss provision to assets | 1.3670% | 1,410 |
| Net operating income to assets | -0.5630% | 6,489 |
| Return on assets (ROA) | -0.5630% | 6,485 |
| Pretax return on assets | -0.5630% | 6,360 |
| Return on Equity (ROE) | -4.2142% | 6,360 |
| Retained earnings to average equity (ytd only) | -7.1639% | 6,524 |
| Net charge-offs to loans | 1.5092% | 1,354 |
| Credit loss provision to net charge-offs | 104.8359% | 4,848 |
| Earnings coverage of net charge-offs (x) | 0.6166% | 5,411 |
| Efficiency ratio | 66.9138% | 5,206 |
| Assets per employee ($millions) | 11.0428% | 212 |
| Cash dividends to net income (ytd only)* | -69.9997% | 7,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 4,146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8111% | 3,638 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 81.1696% | 950 |
| Net loans and leases to deposits | 126.0108% | 134 |
| Net loans and leases to core deposits | 258.2071% | 46 |
| Total domestic deposits to total assets | 64.4148% | 7,751 |
| Equity capital to assets | 14.7933% | 1,067 |
| Core capital (leverage) ratio | 14.9304% | 873 |
| Tier 1 risk-based capital ratio | 20.0280% | 1,553 |
| Total risk-based capital ratio | 21.2809% | 1,500 |
| Memoranda: | ||
| Average total assets | $59,205,500 | 6,415 |
| Average earning assets | $57,502,750 | 6,280 |
| Average equity | $7,909,750 | 6,013 |
| Average total loans | $51,153,000 | 5,665 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2434% | 5,902 |
| Cost of funding earning assets | 3.1311% | 321 |
| Net interest margin | 2.1122% | 7,801 |
| Noninterest income to average assets | 0.0363% | 7,807 |
| Noninterest expense to average assets | 1.5660% | 7,934 |
| Loan and lease loss provision to assets | 0.2346% | 4,711 |
| Net operating income to assets | 0.2907% | 4,934 |
| Return on assets (ROA) | 0.2907% | 5,044 |
| Pretax return on assets | 0.2973% | 5,221 |
| Return on Equity (ROE) | 2.2496% | 5,197 |
| Retained earnings to average equity (ytd only) | -2.2240% | 5,793 |
| Net charge-offs to loans | 0.4448% | 3,034 |
| Credit loss provision to net charge-offs | 60.1695% | 5,585 |
| Earnings coverage of net charge-offs (x) | 1.3644% | 4,505 |
| Efficiency ratio | 74.6457% | 3,930 |
| Assets per employee ($millions) | 11.5084% | 178 |
| Cash dividends to net income (ytd only)* | 198.8636% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 5,926 |
| Loan loss allowance to noncurrent loans | 22.8284% | 6,975 |
| Noncurrent assets plus other real estate owned to assets | 4.1413% | 1,402 |
| Noncurrent loans to loans | 4.5882% | 1,394 |
| Net loans and leases to total assets | 89.3156% | 162 |
| Net loans and leases to deposits | 136.9886% | 90 |
| Net loans and leases to core deposits | 251.9931% | 58 |
| Total domestic deposits to total assets | 65.1993% | 7,777 |
| Equity capital to assets | 13.4789% | 1,502 |
| Core capital (leverage) ratio | 13.1320% | 1,391 |
| Tier 1 risk-based capital ratio | 20.1298% | 1,554 |
| Total risk-based capital ratio | 21.3807% | 1,516 |
| Memoranda: | ||
| Average total assets | $60,536,000 | 6,430 |
| Average earning assets | $59,084,000 | 6,270 |
| Average equity | $7,823,670 | 6,078 |
| Average total loans | $53,058,670 | 5,635 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0327% | 6,852 |
| Cost of funding earning assets | 3.2032% | 341 |
| Net interest margin | 1.8295% | 7,967 |
| Noninterest income to average assets | 0.0322% | 7,917 |
| Noninterest expense to average assets | 1.4831% | 7,998 |
| Loan and lease loss provision to assets | 0.1483% | 5,039 |
| Net operating income to assets | 0.1870% | 5,692 |
| Return on assets (ROA) | 0.1870% | 5,866 |
| Pretax return on assets | 0.1870% | 5,974 |
| Return on Equity (ROE) | 1.4763% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.4763% | 5,025 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5603% | 2,600 |
| Assets per employee ($millions) | 12.1550% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 5,108 |
| Loan loss allowance to noncurrent loans | 12.8559% | 7,465 |
| Noncurrent assets plus other real estate owned to assets | 7.8585% | 387 |
| Noncurrent loans to loans | 8.9569% | 362 |
| Net loans and leases to total assets | 86.7265% | 364 |
| Net loans and leases to deposits | 137.1283% | 102 |
| Net loans and leases to core deposits | 264.5851% | 54 |
| Total domestic deposits to total assets | 63.2448% | 7,875 |
| Equity capital to assets | 12.9527% | 1,769 |
| Core capital (leverage) ratio | 12.5787% | 1,655 |
| Tier 1 risk-based capital ratio | 18.9235% | 1,829 |
| Total risk-based capital ratio | 20.1760% | 1,785 |
| Memoranda: | ||
| Average total assets | $62,033,000 | 6,399 |
| Average earning assets | $60,564,500 | 6,232 |
| Average equity | $7,857,500 | 6,106 |
| Average total loans | $53,619,000 | 5,650 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3367% | 3,750 |
| Cost of funding earning assets | 3.4502% | 599 |
| Net interest margin | 2.8865% | 7,181 |
| Noninterest income to average assets | 0.0285% | 7,990 |
| Noninterest expense to average assets | 1.6999% | 7,868 |
| Loan and lease loss provision to assets | 0.5851% | 2,483 |
| Net operating income to assets | 0.5440% | 4,556 |
| Return on assets (ROA) | 0.5440% | 4,409 |
| Pretax return on assets | 0.5565% | 4,834 |
| Return on Equity (ROE) | 3.8754% | 4,867 |
| Retained earnings to average equity (ytd only) | 0.4447% | 4,982 |
| Net charge-offs to loans | 0.3726% | 2,978 |
| Credit loss provision to net charge-offs | 176.3441% | 2,875 |
| Earnings coverage of net charge-offs (x) | 3.4409% | 4,370 |
| Efficiency ratio | 59.8242% | 6,383 |
| Assets per employee ($millions) | 12.6582% | 142 |
| Cash dividends to net income (ytd only)* | 88.5246% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,318 |
| Loan loss allowance to noncurrent loans | 35.0742% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 2.6623% | 1,793 |
| Noncurrent loans to loans | 3.1252% | 1,696 |
| Net loans and leases to total assets | 84.2537% | 851 |
| Net loans and leases to deposits | 131.7740% | 190 |
| Net loans and leases to core deposits | 257.5589% | 64 |
| Total domestic deposits to total assets | 63.9380% | 7,799 |
| Equity capital to assets | 12.3920% | 2,069 |
| Core capital (leverage) ratio | 12.3718% | 1,799 |
| Tier 1 risk-based capital ratio | 17.6101% | 2,148 |
| Total risk-based capital ratio | 18.8607% | 2,083 |
| Memoranda: | ||
| Average total assets | $56,062,000 | 6,525 |
| Average earning assets | $54,633,800 | 6,381 |
| Average equity | $7,870,200 | 6,138 |
| Average total loans | $49,922,400 | 5,705 |