Home > American Eagle Bank of Chicago > Performance and Condition Ratios
American Eagle Bank of Chicago, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 2,921 |
| Cost of funding earning assets | 1.7077% | 46 |
| Net interest margin | 2.3096% | 4,777 |
| Noninterest income to average assets | 0.0446% | 4,900 |
| Noninterest expense to average assets | 2.0064% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.0713% | 4,727 |
| Return on assets (ROA) | 0.1395% | 4,689 |
| Pretax return on assets | 0.1942% | 4,662 |
| Return on Equity (ROE) | 1.3183% | 4,655 |
| Retained earnings to average equity (ytd only) | -7.3799% | 4,894 |
| Net charge-offs to loans | 0.0864% | 1,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 1.8293% | 3,040 |
| Efficiency ratio | 94.8980% | 244 |
| Assets per employee ($millions) | 14.5905% | 180 |
| Cash dividends to net income (ytd only)* | 659.7938% | 16 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,277 |
| Loan loss allowance to noncurrent loans | 2,594.4444% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,373 |
| Noncurrent loans to loans | 0.0322% | 4,265 |
| Net loans and leases to total assets | 63.4134% | 2,837 |
| Net loans and leases to deposits | 75.8181% | 2,769 |
| Net loans and leases to core deposits | 106.9572% | 807 |
| Total domestic deposits to total assets | 83.6389% | 2,945 |
| Equity capital to assets | 10.9078% | 2,473 |
| Core capital (leverage) ratio | 10.6309% | 2,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7242% | 1,095 |
| Memoranda: | ||
| Average total assets | $92,701,500 | 4,084 |
| Average earning assets | $83,071,250 | 4,112 |
| Average equity | $9,810,250 | 4,228 |
| Average total loans | $63,278,250 | 3,877 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 2,950 |
| Cost of funding earning assets | 1.8202% | 38 |
| Net interest margin | 2.3161% | 4,829 |
| Noninterest income to average assets | 0.0402% | 4,934 |
| Noninterest expense to average assets | 2.1182% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0136% | 4,787 |
| Return on assets (ROA) | 0.0868% | 4,728 |
| Pretax return on assets | 0.1165% | 4,710 |
| Return on Equity (ROE) | 0.8285% | 4,706 |
| Retained earnings to average equity (ytd only) | -12.1043% | 4,949 |
| Net charge-offs to loans | 0.1096% | 1,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.1389% | 2,940 |
| Efficiency ratio | 100.5025% | 178 |
| Assets per employee ($millions) | 15.8850% | 145 |
| Cash dividends to net income (ytd only)* | 1,560.9756% | 9 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 4,405 |
| Loan loss allowance to noncurrent loans | 3,371.4286% | 197 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 4,492 |
| Noncurrent loans to loans | 0.0229% | 4,391 |
| Net loans and leases to total assets | 63.5736% | 2,931 |
| Net loans and leases to deposits | 74.8234% | 2,990 |
| Net loans and leases to core deposits | 105.1306% | 938 |
| Total domestic deposits to total assets | 84.9649% | 2,413 |
| Equity capital to assets | 9.9580% | 3,248 |
| Core capital (leverage) ratio | 10.0133% | 2,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0492% | 1,475 |
| Memoranda: | ||
| Average total assets | $94,421,000 | 4,063 |
| Average earning assets | $84,278,000 | 4,105 |
| Average equity | $9,897,333 | 4,229 |
| Average total loans | $65,710,667 | 3,839 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3640% | 2,732 |
| Cost of funding earning assets | 1.9736% | 37 |
| Net interest margin | 2.3904% | 4,881 |
| Noninterest income to average assets | 0.0553% | 4,963 |
| Noninterest expense to average assets | 2.2389% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.0570% | 4,779 |
| Return on assets (ROA) | 0.1447% | 4,610 |
| Pretax return on assets | 0.1958% | 4,570 |
| Return on Equity (ROE) | 1.3465% | 4,578 |
| Retained earnings to average equity (ytd only) | 1.3465% | 3,654 |
| Net charge-offs to loans | 0.0941% | 1,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | -0.8750% | 2,498 |
| Efficiency ratio | 102.7344% | 207 |
| Assets per employee ($millions) | 13.5097% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7324% | 4,556 |
| Loan loss allowance to noncurrent loans | 2,733.3333% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 4,534 |
| Noncurrent loans to loans | 0.0268% | 4,462 |
| Net loans and leases to total assets | 70.5165% | 2,167 |
| Net loans and leases to deposits | 79.8348% | 2,696 |
| Net loans and leases to core deposits | 115.5156% | 607 |
| Total domestic deposits to total assets | 88.3280% | 966 |
| Equity capital to assets | 10.7055% | 3,132 |
| Core capital (leverage) ratio | 10.9082% | 2,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6500% | 1,699 |
| Memoranda: | ||
| Average total assets | $93,976,500 | 4,076 |
| Average earning assets | $83,501,500 | 4,115 |
| Average equity | $10,100,500 | 4,230 |
| Average total loans | $68,034,000 | 3,802 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8713% | 1,842 |
| Cost of funding earning assets | 2.0938% | 37 |
| Net interest margin | 2.7775% | 4,772 |
| Noninterest income to average assets | 0.1826% | 4,575 |
| Noninterest expense to average assets | 2.2530% | 4,057 |
| Loan and lease loss provision to assets | 0.1375% | 1,551 |
| Net operating income to assets | 0.1987% | 4,839 |
| Return on assets (ROA) | 0.2328% | 4,837 |
| Pretax return on assets | 0.3221% | 4,802 |
| Return on Equity (ROE) | 2.3342% | 4,765 |
| Retained earnings to average equity (ytd only) | 2.3342% | 3,857 |
| Net charge-offs to loans | 0.2618% | 790 |
| Credit loss provision to net charge-offs | 73.2620% | 2,871 |
| Earnings coverage of net charge-offs (x) | 2.2193% | 3,443 |
| Efficiency ratio | 84.3985% | 632 |
| Assets per employee ($millions) | 11.6731% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 4,489 |
| Loan loss allowance to noncurrent loans | 6,350.0000% | 119 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 920 |
| Noncurrent loans to loans | 0.0116% | 4,541 |
| Net loans and leases to total assets | 73.2259% | 1,885 |
| Net loans and leases to deposits | 83.0625% | 2,433 |
| Net loans and leases to core deposits | 116.0689% | 595 |
| Total domestic deposits to total assets | 88.1576% | 1,054 |
| Equity capital to assets | 10.7908% | 3,192 |
| Core capital (leverage) ratio | 10.3979% | 3,072 |
| Tier 1 risk-based capital ratio | 14.2966% | 3,122 |
| Total risk-based capital ratio | 15.0164% | 3,291 |
| Memoranda: | ||
| Average total assets | $99,645,000 | 4,007 |
| Average earning assets | $89,216,000 | 4,056 |
| Average equity | $9,939,200 | 4,252 |
| Average total loans | $71,430,200 | 3,748 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 1,822 |
| Cost of funding earning assets | 2.0756% | 45 |
| Net interest margin | 2.8232% | 4,837 |
| Noninterest income to average assets | 0.0698% | 5,072 |
| Noninterest expense to average assets | 2.3120% | 3,919 |
| Loan and lease loss provision to assets | 0.1805% | 1,014 |
| Net operating income to assets | 0.0751% | 5,035 |
| Return on assets (ROA) | 0.1199% | 5,018 |
| Pretax return on assets | 0.1660% | 5,003 |
| Return on Equity (ROE) | 1.2250% | 4,991 |
| Retained earnings to average equity (ytd only) | 1.2250% | 4,507 |
| Net charge-offs to loans | 0.3182% | 542 |
| Credit loss provision to net charge-offs | 79.6512% | 2,511 |
| Earnings coverage of net charge-offs (x) | 1.2791% | 3,314 |
| Efficiency ratio | 88.8608% | 363 |
| Assets per employee ($millions) | 12.1510% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 4,542 |
| Loan loss allowance to noncurrent loans | 85.1792% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 1.8157% | 542 |
| Noncurrent loans to loans | 0.8823% | 1,819 |
| Net loans and leases to total assets | 71.0487% | 2,315 |
| Net loans and leases to deposits | 80.1506% | 2,881 |
| Net loans and leases to core deposits | 113.5900% | 778 |
| Total domestic deposits to total assets | 88.6439% | 767 |
| Equity capital to assets | 10.2286% | 3,794 |
| Core capital (leverage) ratio | 9.9077% | 3,731 |
| Tier 1 risk-based capital ratio | 14.0048% | 3,330 |
| Total risk-based capital ratio | 14.7410% | 3,484 |
| Memoranda: | ||
| Average total assets | $101,210,000 | 4,025 |
| Average earning assets | $90,768,250 | 4,076 |
| Average equity | $9,904,750 | 4,296 |
| Average total loans | $72,065,250 | 3,779 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8711% | 1,844 |
| Cost of funding earning assets | 2.0231% | 54 |
| Net interest margin | 2.8479% | 4,874 |
| Noninterest income to average assets | 0.0819% | 5,093 |
| Noninterest expense to average assets | 2.3600% | 3,849 |
| Loan and lease loss provision to assets | 0.1638% | 1,111 |
| Net operating income to assets | 0.0878% | 5,065 |
| Return on assets (ROA) | 0.1541% | 5,039 |
| Pretax return on assets | 0.2145% | 5,016 |
| Return on Equity (ROE) | 1.5973% | 4,995 |
| Retained earnings to average equity (ytd only) | 1.5973% | 4,250 |
| Net charge-offs to loans | 0.3485% | 480 |
| Credit loss provision to net charge-offs | 66.1417% | 2,354 |
| Earnings coverage of net charge-offs (x) | 1.1890% | 3,043 |
| Efficiency ratio | 88.9052% | 397 |
| Assets per employee ($millions) | 12.5546% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7443% | 4,614 |
| Loan loss allowance to noncurrent loans | 76.2963% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.8181% | 552 |
| Noncurrent loans to loans | 0.9756% | 1,678 |
| Net loans and leases to total assets | 68.3772% | 2,769 |
| Net loans and leases to deposits | 76.8394% | 3,255 |
| Net loans and leases to core deposits | 109.1794% | 1,024 |
| Total domestic deposits to total assets | 88.9871% | 668 |
| Equity capital to assets | 9.8948% | 4,064 |
| Core capital (leverage) ratio | 9.7588% | 3,873 |
| Tier 1 risk-based capital ratio | 14.0958% | 3,265 |
| Total risk-based capital ratio | 14.8264% | 3,439 |
| Memoranda: | ||
| Average total assets | $102,544,000 | 4,024 |
| Average earning assets | $92,628,330 | 4,066 |
| Average equity | $9,892,000 | 4,315 |
| Average total loans | $72,891,000 | 3,785 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 1,927 |
| Cost of funding earning assets | 1.9688% | 58 |
| Net interest margin | 2.8216% | 4,970 |
| Noninterest income to average assets | 0.0734% | 5,158 |
| Noninterest expense to average assets | 2.3669% | 3,854 |
| Loan and lease loss provision to assets | 0.1544% | 1,083 |
| Net operating income to assets | 0.0849% | 5,098 |
| Return on assets (ROA) | 0.0849% | 5,102 |
| Pretax return on assets | 0.1197% | 5,091 |
| Return on Equity (ROE) | 0.8917% | 5,086 |
| Retained earnings to average equity (ytd only) | 0.8917% | 4,340 |
| Net charge-offs to loans | 0.2408% | 603 |
| Credit loss provision to net charge-offs | 88.8889% | 1,727 |
| Earnings coverage of net charge-offs (x) | 1.5778% | 2,580 |
| Efficiency ratio | 89.6199% | 412 |
| Assets per employee ($millions) | 12.8249% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7431% | 4,676 |
| Loan loss allowance to noncurrent loans | 58.8298% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 0.9162% | 1,530 |
| Noncurrent loans to loans | 1.2631% | 1,304 |
| Net loans and leases to total assets | 71.9949% | 2,163 |
| Net loans and leases to deposits | 80.4676% | 2,788 |
| Net loans and leases to core deposits | 114.5653% | 709 |
| Total domestic deposits to total assets | 89.4707% | 654 |
| Equity capital to assets | 9.6336% | 4,147 |
| Core capital (leverage) ratio | 9.3522% | 4,315 |
| Tier 1 risk-based capital ratio | 13.1061% | 3,823 |
| Total risk-based capital ratio | 13.8396% | 3,990 |
| Memoranda: | ||
| Average total assets | $103,597,500 | 4,046 |
| Average earning assets | $94,272,000 | 4,072 |
| Average equity | $9,869,000 | 4,344 |
| Average total loans | $74,741,000 | 3,784 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0116% | 1,021 |
| Cost of funding earning assets | 1.7020% | 41 |
| Net interest margin | 3.3095% | 4,226 |
| Noninterest income to average assets | 0.0630% | 5,239 |
| Noninterest expense to average assets | 2.1117% | 4,534 |
| Loan and lease loss provision to assets | 0.3810% | 372 |
| Net operating income to assets | 0.4086% | 4,846 |
| Return on assets (ROA) | 0.4086% | 4,838 |
| Pretax return on assets | 0.5681% | 4,687 |
| Return on Equity (ROE) | 4.3167% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.3167% | 3,170 |
| Net charge-offs to loans | 0.4169% | 442 |
| Credit loss provision to net charge-offs | 118.3486% | 2,192 |
| Earnings coverage of net charge-offs (x) | 2.9480% | 3,475 |
| Efficiency ratio | 68.9932% | 2,391 |
| Assets per employee ($millions) | 13.0745% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 4,699 |
| Loan loss allowance to noncurrent loans | 61.2514% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 0.8710% | 1,596 |
| Noncurrent loans to loans | 1.2136% | 1,316 |
| Net loans and leases to total assets | 71.2312% | 2,391 |
| Net loans and leases to deposits | 79.4966% | 3,005 |
| Net loans and leases to core deposits | 113.8419% | 786 |
| Total domestic deposits to total assets | 89.6029% | 623 |
| Equity capital to assets | 9.4210% | 4,195 |
| Core capital (leverage) ratio | 9.2228% | 4,429 |
| Tier 1 risk-based capital ratio | 12.6798% | 4,026 |
| Total risk-based capital ratio | 13.3975% | 4,217 |
| Memoranda: | ||
| Average total assets | $101,574,600 | 4,075 |
| Average earning assets | $92,007,200 | 4,108 |
| Average equity | $9,613,800 | 4,371 |
| Average total loans | $78,440,200 | 3,694 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9258% | 1,105 |
| Cost of funding earning assets | 1.6322% | 38 |
| Net interest margin | 3.2936% | 4,296 |
| Noninterest income to average assets | 0.0622% | 5,314 |
| Noninterest expense to average assets | 2.0102% | 4,722 |
| Loan and lease loss provision to assets | 0.4721% | 250 |
| Net operating income to assets | 0.4007% | 4,956 |
| Return on assets (ROA) | 0.4007% | 4,957 |
| Pretax return on assets | 0.5581% | 4,805 |
| Return on Equity (ROE) | 4.2286% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.2286% | 3,659 |
| Net charge-offs to loans | 0.4355% | 365 |
| Credit loss provision to net charge-offs | 137.8378% | 1,826 |
| Earnings coverage of net charge-offs (x) | 3.0078% | 3,199 |
| Efficiency ratio | 66.1157% | 2,853 |
| Assets per employee ($millions) | 13.2114% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7751% | 4,700 |
| Loan loss allowance to noncurrent loans | 754.4304% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0747% | 4,600 |
| Noncurrent loans to loans | 0.1027% | 4,423 |
| Net loans and leases to total assets | 72.1925% | 2,300 |
| Net loans and leases to deposits | 80.2493% | 3,012 |
| Net loans and leases to core deposits | 112.4853% | 892 |
| Total domestic deposits to total assets | 89.9604% | 523 |
| Equity capital to assets | 9.2051% | 4,358 |
| Core capital (leverage) ratio | 9.3340% | 4,358 |
| Tier 1 risk-based capital ratio | 12.5921% | 4,160 |
| Total risk-based capital ratio | 13.3621% | 4,331 |
| Memoranda: | ||
| Average total assets | $100,819,250 | 4,132 |
| Average earning assets | $91,163,750 | 4,166 |
| Average equity | $9,553,750 | 4,414 |
| Average total loans | $79,284,500 | 3,709 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 1,226 |
| Cost of funding earning assets | 1.5607% | 44 |
| Net interest margin | 3.2468% | 4,389 |
| Noninterest income to average assets | 0.0625% | 5,373 |
| Noninterest expense to average assets | 2.0142% | 4,772 |
| Loan and lease loss provision to assets | 0.5585% | 191 |
| Net operating income to assets | 0.2964% | 5,120 |
| Return on assets (ROA) | 0.2964% | 5,114 |
| Pretax return on assets | 0.4133% | 5,030 |
| Return on Equity (ROE) | 3.0963% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.0963% | 4,012 |
| Net charge-offs to loans | 0.5245% | 283 |
| Credit loss provision to net charge-offs | 131.9048% | 1,705 |
| Earnings coverage of net charge-offs (x) | 2.2952% | 2,986 |
| Efficiency ratio | 67.4544% | 2,739 |
| Assets per employee ($millions) | 14.6139% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 4,920 |
| Loan loss allowance to noncurrent loans | 733.7662% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.0753% | 4,634 |
| Noncurrent loans to loans | 0.0971% | 4,480 |
| Net loans and leases to total assets | 77.0003% | 1,469 |
| Net loans and leases to deposits | 85.7452% | 2,346 |
| Net loans and leases to core deposits | 124.0906% | 457 |
| Total domestic deposits to total assets | 89.8013% | 636 |
| Equity capital to assets | 9.3561% | 4,235 |
| Core capital (leverage) ratio | 9.5288% | 4,085 |
| Tier 1 risk-based capital ratio | 11.8170% | 4,612 |
| Total risk-based capital ratio | 12.5132% | 4,814 |
| Memoranda: | ||
| Average total assets | $99,195,330 | 4,186 |
| Average earning assets | $89,320,000 | 4,234 |
| Average equity | $9,495,330 | 4,461 |
| Average total loans | $80,080,330 | 3,708 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 1,015 |
| Cost of funding earning assets | 1.5190% | 39 |
| Net interest margin | 3.3080% | 4,169 |
| Noninterest income to average assets | 0.0451% | 5,482 |
| Noninterest expense to average assets | 2.0073% | 4,833 |
| Loan and lease loss provision to assets | 0.6431% | 154 |
| Net operating income to assets | 0.2540% | 5,172 |
| Return on assets (ROA) | 0.2540% | 5,172 |
| Pretax return on assets | 0.3564% | 5,091 |
| Return on Equity (ROE) | 2.6223% | 5,091 |
| Retained earnings to average equity (ytd only) | 2.6223% | 4,127 |
| Net charge-offs to loans | 0.5568% | 270 |
| Credit loss provision to net charge-offs | 140.1786% | 1,269 |
| Earnings coverage of net charge-offs (x) | 2.1786% | 2,486 |
| Efficiency ratio | 66.7575% | 3,039 |
| Assets per employee ($millions) | 14.2361% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 5,063 |
| Loan loss allowance to noncurrent loans | 548.4848% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.0993% | 4,591 |
| Noncurrent loans to loans | 0.1243% | 4,408 |
| Net loans and leases to total assets | 79.3634% | 1,028 |
| Net loans and leases to deposits | 88.5584% | 1,864 |
| Net loans and leases to core deposits | 125.4051% | 437 |
| Total domestic deposits to total assets | 89.6170% | 830 |
| Equity capital to assets | 9.5180% | 4,074 |
| Core capital (leverage) ratio | 9.8758% | 3,683 |
| Tier 1 risk-based capital ratio | 11.9836% | 4,555 |
| Total risk-based capital ratio | 12.6682% | 4,807 |
| Memoranda: | ||
| Average total assets | $97,644,500 | 4,254 |
| Average earning assets | $87,423,500 | 4,313 |
| Average equity | $9,457,500 | 4,511 |
| Average total loans | $80,453,500 | 3,737 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1875% | 457 |
| Cost of funding earning assets | 1.3379% | 44 |
| Net interest margin | 3.8495% | 2,258 |
| Noninterest income to average assets | 0.0855% | 5,447 |
| Noninterest expense to average assets | 2.2849% | 4,377 |
| Loan and lease loss provision to assets | 0.4342% | 324 |
| Net operating income to assets | 0.4387% | 4,568 |
| Return on assets (ROA) | 0.4387% | 4,598 |
| Pretax return on assets | 0.8201% | 4,197 |
| Return on Equity (ROE) | 4.2254% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.2254% | 2,627 |
| Net charge-offs to loans | 0.3798% | 665 |
| Credit loss provision to net charge-offs | 140.8759% | 1,877 |
| Earnings coverage of net charge-offs (x) | 4.0693% | 3,520 |
| Efficiency ratio | 64.5582% | 3,520 |
| Assets per employee ($millions) | 13.6623% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6127% | 5,221 |
| Loan loss allowance to noncurrent loans | 614.8148% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 4,698 |
| Noncurrent loans to loans | 0.0997% | 4,540 |
| Net loans and leases to total assets | 84.4640% | 397 |
| Net loans and leases to deposits | 96.9759% | 995 |
| Net loans and leases to core deposits | 139.2868% | 219 |
| Total domestic deposits to total assets | 87.0980% | 1,942 |
| Equity capital to assets | 9.8603% | 3,860 |
| Core capital (leverage) ratio | 10.1867% | 3,213 |
| Tier 1 risk-based capital ratio | 11.5481% | 4,814 |
| Total risk-based capital ratio | 12.1571% | 5,084 |
| Memoranda: | ||
| Average total assets | $88,889,600 | 4,445 |
| Average earning assets | $79,749,600 | 4,470 |
| Average equity | $9,230,000 | 4,574 |
| Average total loans | $72,152,000 | 3,914 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1010% | 503 |
| Cost of funding earning assets | 1.2893% | 48 |
| Net interest margin | 3.8117% | 2,354 |
| Noninterest income to average assets | 0.0872% | 5,515 |
| Noninterest expense to average assets | 2.3439% | 4,175 |
| Loan and lease loss provision to assets | 0.4373% | 301 |
| Net operating income to assets | 0.4373% | 4,907 |
| Return on assets (ROA) | 0.4373% | 4,938 |
| Pretax return on assets | 0.7232% | 4,551 |
| Return on Equity (ROE) | 4.1538% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.1538% | 3,436 |
| Net charge-offs to loans | 0.3683% | 573 |
| Credit loss provision to net charge-offs | 148.1865% | 1,708 |
| Earnings coverage of net charge-offs (x) | 3.9326% | 3,283 |
| Efficiency ratio | 66.8848% | 3,063 |
| Assets per employee ($millions) | 13.3387% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6221% | 5,287 |
| Loan loss allowance to noncurrent loans | 591.3580% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,808 |
| Noncurrent loans to loans | 0.1052% | 4,643 |
| Net loans and leases to total assets | 81.9473% | 699 |
| Net loans and leases to deposits | 91.9939% | 1,567 |
| Net loans and leases to core deposits | 134.2934% | 279 |
| Total domestic deposits to total assets | 89.0791% | 845 |
| Equity capital to assets | 9.9988% | 3,912 |
| Core capital (leverage) ratio | 10.3984% | 3,088 |
| Tier 1 risk-based capital ratio | 11.9811% | 4,638 |
| Total risk-based capital ratio | 12.5956% | 4,934 |
| Memoranda: | ||
| Average total assets | $87,203,000 | 4,513 |
| Average earning assets | $78,179,250 | 4,533 |
| Average equity | $9,180,000 | 4,635 |
| Average total loans | $69,871,000 | 3,999 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0108% | 551 |
| Cost of funding earning assets | 1.2514% | 50 |
| Net interest margin | 3.7594% | 2,439 |
| Noninterest income to average assets | 0.0963% | 5,533 |
| Noninterest expense to average assets | 2.4006% | 4,050 |
| Loan and lease loss provision to assets | 0.3993% | 330 |
| Net operating income to assets | 0.3946% | 4,984 |
| Return on assets (ROA) | 0.3946% | 5,012 |
| Pretax return on assets | 0.6553% | 4,670 |
| Return on Equity (ROE) | 3.6810% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.6810% | 3,509 |
| Net charge-offs to loans | 0.4534% | 441 |
| Credit loss provision to net charge-offs | 111.1111% | 1,871 |
| Earnings coverage of net charge-offs (x) | 2.9346% | 3,104 |
| Efficiency ratio | 69.4765% | 2,770 |
| Assets per employee ($millions) | 12.4351% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5872% | 5,400 |
| Loan loss allowance to noncurrent loans | 333.0579% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1390% | 4,630 |
| Noncurrent loans to loans | 0.1763% | 4,414 |
| Net loans and leases to total assets | 78.3861% | 1,181 |
| Net loans and leases to deposits | 88.5980% | 1,910 |
| Net loans and leases to core deposits | 126.5336% | 376 |
| Total domestic deposits to total assets | 88.4739% | 1,218 |
| Equity capital to assets | 10.5898% | 3,241 |
| Core capital (leverage) ratio | 11.1302% | 2,291 |
| Tier 1 risk-based capital ratio | 12.6456% | 4,213 |
| Total risk-based capital ratio | 13.1983% | 4,557 |
| Memoranda: | ||
| Average total assets | $85,147,000 | 4,569 |
| Average earning assets | $76,075,000 | 4,610 |
| Average equity | $9,128,000 | 4,664 |
| Average total loans | $67,496,670 | 4,077 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9397% | 579 |
| Cost of funding earning assets | 1.2708% | 40 |
| Net interest margin | 3.6689% | 2,610 |
| Noninterest income to average assets | 0.0998% | 5,592 |
| Noninterest expense to average assets | 2.4514% | 3,962 |
| Loan and lease loss provision to assets | 0.4418% | 243 |
| Net operating income to assets | 0.2898% | 5,221 |
| Return on assets (ROA) | 0.2898% | 5,235 |
| Pretax return on assets | 0.4846% | 4,997 |
| Return on Equity (ROE) | 2.6863% | 5,182 |
| Retained earnings to average equity (ytd only) | 2.6863% | 4,065 |
| Net charge-offs to loans | 0.4602% | 402 |
| Credit loss provision to net charge-offs | 120.7792% | 1,396 |
| Earnings coverage of net charge-offs (x) | 2.5325% | 2,580 |
| Efficiency ratio | 72.5738% | 2,474 |
| Assets per employee ($millions) | 11.9811% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5883% | 5,496 |
| Loan loss allowance to noncurrent loans | 115.1862% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 3,518 |
| Noncurrent loans to loans | 0.5107% | 3,284 |
| Net loans and leases to total assets | 80.9951% | 698 |
| Net loans and leases to deposits | 91.9475% | 1,334 |
| Net loans and leases to core deposits | 123.9286% | 363 |
| Total domestic deposits to total assets | 88.0884% | 1,671 |
| Equity capital to assets | 10.8659% | 2,784 |
| Core capital (leverage) ratio | 10.8174% | 2,581 |
| Tier 1 risk-based capital ratio | 12.8218% | 4,187 |
| Total risk-based capital ratio | 13.3874% | 4,522 |
| Memoranda: | ||
| Average total assets | $84,197,500 | 4,635 |
| Average earning assets | $75,226,500 | 4,674 |
| Average equity | $9,083,000 | 4,698 |
| Average total loans | $66,927,500 | 4,112 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9920% | 599 |
| Cost of funding earning assets | 1.3086% | 32 |
| Net interest margin | 3.6834% | 2,764 |
| Noninterest income to average assets | 0.1060% | 5,628 |
| Noninterest expense to average assets | 2.4384% | 4,190 |
| Loan and lease loss provision to assets | 0.1356% | 1,843 |
| Net operating income to assets | 0.4845% | 4,693 |
| Return on assets (ROA) | 0.4845% | 4,769 |
| Pretax return on assets | 0.7902% | 4,209 |
| Return on Equity (ROE) | 4.4332% | 4,689 |
| Retained earnings to average equity (ytd only) | 4.4332% | 2,762 |
| Net charge-offs to loans | 0.2952% | 939 |
| Credit loss provision to net charge-offs | 58.5106% | 3,271 |
| Earnings coverage of net charge-offs (x) | 3.9947% | 3,579 |
| Efficiency ratio | 72.4808% | 2,513 |
| Assets per employee ($millions) | 12.0753% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5891% | 5,552 |
| Loan loss allowance to noncurrent loans | 4,288.8889% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 5,363 |
| Noncurrent loans to loans | 0.0137% | 5,221 |
| Net loans and leases to total assets | 77.0618% | 1,354 |
| Net loans and leases to deposits | 87.2789% | 2,014 |
| Net loans and leases to core deposits | 118.0871% | 542 |
| Total domestic deposits to total assets | 88.2937% | 1,492 |
| Equity capital to assets | 10.7102% | 2,913 |
| Core capital (leverage) ratio | 10.6714% | 2,693 |
| Tier 1 risk-based capital ratio | 13.0235% | 4,058 |
| Total risk-based capital ratio | 13.5788% | 4,377 |
| Memoranda: | ||
| Average total assets | $81,120,400 | 4,714 |
| Average earning assets | $71,755,200 | 4,763 |
| Average equity | $8,865,000 | 4,783 |
| Average total loans | $63,692,400 | 4,188 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0052% | 594 |
| Cost of funding earning assets | 1.3050% | 32 |
| Net interest margin | 3.7002% | 2,717 |
| Noninterest income to average assets | 0.0598% | 5,808 |
| Noninterest expense to average assets | 2.4268% | 4,205 |
| Loan and lease loss provision to assets | 0.0581% | 3,086 |
| Net operating income to assets | 0.5182% | 4,629 |
| Return on assets (ROA) | 0.5182% | 4,731 |
| Pretax return on assets | 0.8388% | 4,192 |
| Return on Equity (ROE) | 4.7175% | 4,632 |
| Retained earnings to average equity (ytd only) | 4.7175% | 2,998 |
| Net charge-offs to loans | 0.1729% | 1,330 |
| Credit loss provision to net charge-offs | 42.6829% | 3,133 |
| Earnings coverage of net charge-offs (x) | 6.5854% | 2,986 |
| Efficiency ratio | 73.0135% | 2,438 |
| Assets per employee ($millions) | 11.9016% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 5,548 |
| Loan loss allowance to noncurrent loans | 1,097.3684% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 5,288 |
| Noncurrent loans to loans | 0.0583% | 5,125 |
| Net loans and leases to total assets | 77.6764% | 1,251 |
| Net loans and leases to deposits | 88.0317% | 2,016 |
| Net loans and leases to core deposits | 116.3882% | 645 |
| Total domestic deposits to total assets | 88.2368% | 1,275 |
| Equity capital to assets | 10.7693% | 3,287 |
| Core capital (leverage) ratio | 10.9407% | 2,520 |
| Tier 1 risk-based capital ratio | 13.2430% | 4,011 |
| Total risk-based capital ratio | 13.8585% | 4,310 |
| Memoranda: | ||
| Average total assets | $80,268,750 | 4,771 |
| Average earning assets | $70,804,250 | 4,822 |
| Average equity | $8,818,000 | 4,834 |
| Average total loans | $63,234,500 | 4,220 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0217% | 565 |
| Cost of funding earning assets | 1.3039% | 34 |
| Net interest margin | 3.7178% | 2,620 |
| Noninterest income to average assets | 0.0681% | 5,861 |
| Noninterest expense to average assets | 2.4579% | 4,153 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5602% | 4,439 |
| Return on assets (ROA) | 0.5602% | 4,556 |
| Pretax return on assets | 0.8984% | 3,959 |
| Return on Equity (ROE) | 5.0646% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.0646% | 2,688 |
| Net charge-offs to loans | 0.1949% | 1,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 5.8361% | 2,811 |
| Efficiency ratio | 73.2331% | 2,476 |
| Assets per employee ($millions) | 11.6070% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6380% | 5,632 |
| Loan loss allowance to noncurrent loans | 1,752.1739% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 5,479 |
| Noncurrent loans to loans | 0.0364% | 5,322 |
| Net loans and leases to total assets | 77.2428% | 1,299 |
| Net loans and leases to deposits | 87.6045% | 2,051 |
| Net loans and leases to core deposits | 114.8717% | 688 |
| Total domestic deposits to total assets | 88.1722% | 1,339 |
| Equity capital to assets | 10.9318% | 3,132 |
| Core capital (leverage) ratio | 11.0324% | 2,402 |
| Tier 1 risk-based capital ratio | 13.3371% | 3,996 |
| Total risk-based capital ratio | 13.9423% | 4,298 |
| Memoranda: | ||
| Average total assets | $79,254,670 | 4,834 |
| Average earning assets | $70,096,000 | 4,885 |
| Average equity | $8,766,670 | 4,877 |
| Average total loans | $62,602,670 | 4,270 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0086% | 569 |
| Cost of funding earning assets | 1.3074% | 34 |
| Net interest margin | 3.7013% | 2,667 |
| Noninterest income to average assets | 0.0716% | 5,900 |
| Noninterest expense to average assets | 2.5250% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5009% | 4,625 |
| Return on assets (ROA) | 0.5009% | 4,724 |
| Pretax return on assets | 0.8025% | 4,186 |
| Return on Equity (ROE) | 4.5011% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.5011% | 3,238 |
| Net charge-offs to loans | 0.2182% | 934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.6176% | 2,404 |
| Efficiency ratio | 75.8833% | 2,184 |
| Assets per employee ($millions) | 11.3543% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6923% | 5,608 |
| Loan loss allowance to noncurrent loans | 3,307.6923% | 208 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 5,592 |
| Noncurrent loans to loans | 0.0209% | 5,419 |
| Net loans and leases to total assets | 77.6082% | 1,151 |
| Net loans and leases to deposits | 88.0833% | 1,816 |
| Net loans and leases to core deposits | 116.2010% | 583 |
| Total domestic deposits to total assets | 88.1077% | 1,586 |
| Equity capital to assets | 11.0191% | 2,917 |
| Core capital (leverage) ratio | 11.3428% | 2,102 |
| Tier 1 risk-based capital ratio | 13.4865% | 3,985 |
| Total risk-based capital ratio | 14.1487% | 4,240 |
| Memoranda: | ||
| Average total assets | $78,257,500 | 4,894 |
| Average earning assets | $68,841,000 | 4,959 |
| Average equity | $8,709,000 | 4,920 |
| Average total loans | $62,323,000 | 4,303 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3136% | 360 |
| Cost of funding earning assets | 1.3453% | 30 |
| Net interest margin | 3.9682% | 1,815 |
| Noninterest income to average assets | 0.0381% | 6,033 |
| Noninterest expense to average assets | 2.4554% | 4,374 |
| Loan and lease loss provision to assets | 0.1223% | 1,959 |
| Net operating income to assets | 0.5826% | 4,370 |
| Return on assets (ROA) | 0.5826% | 4,462 |
| Pretax return on assets | 0.9246% | 3,750 |
| Return on Equity (ROE) | 5.2710% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.2710% | 2,228 |
| Net charge-offs to loans | 0.2528% | 1,190 |
| Credit loss provision to net charge-offs | 62.4161% | 3,234 |
| Earnings coverage of net charge-offs (x) | 5.3423% | 3,408 |
| Efficiency ratio | 70.1089% | 3,202 |
| Assets per employee ($millions) | 11.0050% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7420% | 5,552 |
| Loan loss allowance to noncurrent loans | 23,200.0000% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 5,718 |
| Noncurrent loans to loans | 0.0032% | 5,548 |
| Net loans and leases to total assets | 80.5725% | 766 |
| Net loans and leases to deposits | 91.7420% | 1,429 |
| Net loans and leases to core deposits | 120.1677% | 474 |
| Total domestic deposits to total assets | 87.8250% | 1,733 |
| Equity capital to assets | 11.2416% | 2,600 |
| Core capital (leverage) ratio | 11.4063% | 2,039 |
| Tier 1 risk-based capital ratio | 13.1339% | 4,213 |
| Total risk-based capital ratio | 13.8377% | 4,470 |
| Memoranda: | ||
| Average total assets | $76,035,400 | 4,946 |
| Average earning assets | $66,377,200 | 5,033 |
| Average equity | $8,404,400 | 4,977 |
| Average total loans | $58,951,000 | 4,406 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 374 |
| Cost of funding earning assets | 1.3600% | 32 |
| Net interest margin | 3.9361% | 1,915 |
| Noninterest income to average assets | 0.0299% | 6,139 |
| Noninterest expense to average assets | 2.4261% | 4,431 |
| Loan and lease loss provision to assets | 0.1548% | 1,400 |
| Net operating income to assets | 0.5507% | 4,584 |
| Return on assets (ROA) | 0.5507% | 4,685 |
| Pretax return on assets | 0.8656% | 4,115 |
| Return on Equity (ROE) | 5.0035% | 4,626 |
| Retained earnings to average equity (ytd only) | 5.0035% | 2,916 |
| Net charge-offs to loans | 0.2388% | 1,097 |
| Credit loss provision to net charge-offs | 84.6154% | 2,541 |
| Earnings coverage of net charge-offs (x) | 5.5770% | 3,184 |
| Efficiency ratio | 70.3931% | 3,149 |
| Assets per employee ($millions) | 9.5611% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8773% | 5,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 74.4512% | 1,650 |
| Net loans and leases to deposits | 84.5676% | 2,335 |
| Net loans and leases to core deposits | 109.5830% | 897 |
| Total domestic deposits to total assets | 88.0375% | 1,531 |
| Equity capital to assets | 11.1519% | 2,846 |
| Core capital (leverage) ratio | 11.1672% | 2,331 |
| Tier 1 risk-based capital ratio | 13.7521% | 3,992 |
| Total risk-based capital ratio | 14.5767% | 4,160 |
| Memoranda: | ||
| Average total assets | $75,785,500 | 5,008 |
| Average earning assets | $65,783,000 | 5,107 |
| Average equity | $8,340,500 | 5,055 |
| Average total loans | $58,055,500 | 4,469 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1381% | 466 |
| Cost of funding earning assets | 1.3720% | 29 |
| Net interest margin | 3.7661% | 2,454 |
| Noninterest income to average assets | 0.0185% | 6,231 |
| Noninterest expense to average assets | 2.4275% | 4,469 |
| Loan and lease loss provision to assets | 0.2330% | 787 |
| Net operating income to assets | 0.3865% | 5,180 |
| Return on assets (ROA) | 0.3865% | 5,288 |
| Pretax return on assets | 0.6062% | 4,960 |
| Return on Equity (ROE) | 3.5277% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.5277% | 3,781 |
| Net charge-offs to loans | 0.2369% | 1,090 |
| Credit loss provision to net charge-offs | 127.5362% | 1,724 |
| Earnings coverage of net charge-offs (x) | 4.5942% | 3,022 |
| Efficiency ratio | 74.3112% | 2,644 |
| Assets per employee ($millions) | 10.7404% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9121% | 5,260 |
| Loan loss allowance to noncurrent loans | 1,497.2222% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 5,667 |
| Noncurrent loans to loans | 0.0609% | 5,487 |
| Net loans and leases to total assets | 77.8806% | 1,084 |
| Net loans and leases to deposits | 88.4446% | 1,775 |
| Net loans and leases to core deposits | 114.2498% | 653 |
| Total domestic deposits to total assets | 88.0558% | 1,622 |
| Equity capital to assets | 11.1235% | 2,751 |
| Core capital (leverage) ratio | 11.0783% | 2,347 |
| Tier 1 risk-based capital ratio | 12.7906% | 4,627 |
| Total risk-based capital ratio | 13.6372% | 4,791 |
| Memoranda: | ||
| Average total assets | $75,551,000 | 5,062 |
| Average earning assets | $65,160,000 | 5,173 |
| Average equity | $8,277,330 | 5,108 |
| Average total loans | $58,257,000 | 4,505 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9320% | 650 |
| Cost of funding earning assets | 1.3656% | 31 |
| Net interest margin | 3.5664% | 3,145 |
| Noninterest income to average assets | -0.0317% | 6,355 |
| Noninterest expense to average assets | 2.4771% | 4,333 |
| Loan and lease loss provision to assets | 0.2271% | 768 |
| Net operating income to assets | 0.2218% | 5,627 |
| Return on assets (ROA) | 0.2218% | 5,718 |
| Pretax return on assets | 0.3539% | 5,532 |
| Return on Equity (ROE) | 2.0402% | 5,684 |
| Retained earnings to average equity (ytd only) | 2.0402% | 4,658 |
| Net charge-offs to loans | 0.2835% | 846 |
| Credit loss provision to net charge-offs | 104.8780% | 1,564 |
| Earnings coverage of net charge-offs (x) | 2.6829% | 2,716 |
| Efficiency ratio | 81.0017% | 1,760 |
| Assets per employee ($millions) | 10.6037% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9240% | 5,360 |
| Loan loss allowance to noncurrent loans | 27.7217% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 2.5368% | 845 |
| Noncurrent loans to loans | 3.3330% | 605 |
| Net loans and leases to total assets | 75.4089% | 1,291 |
| Net loans and leases to deposits | 85.6524% | 1,879 |
| Net loans and leases to core deposits | 109.2050% | 786 |
| Total domestic deposits to total assets | 88.0406% | 1,798 |
| Equity capital to assets | 11.1268% | 2,835 |
| Core capital (leverage) ratio | 10.6931% | 2,754 |
| Tier 1 risk-based capital ratio | 12.6508% | 4,814 |
| Total risk-based capital ratio | 13.4782% | 5,001 |
| Memoranda: | ||
| Average total assets | $75,735,000 | 5,114 |
| Average earning assets | $65,612,000 | 5,211 |
| Average equity | $8,234,500 | 5,153 |
| Average total loans | $57,839,500 | 4,549 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5257% | 301 |
| Cost of funding earning assets | 1.5086% | 22 |
| Net interest margin | 4.0171% | 1,848 |
| Noninterest income to average assets | -0.0252% | 6,420 |
| Noninterest expense to average assets | 2.5889% | 4,259 |
| Loan and lease loss provision to assets | 0.2218% | 1,107 |
| Net operating income to assets | 0.3440% | 5,395 |
| Return on assets (ROA) | 0.3440% | 5,462 |
| Pretax return on assets | 0.5738% | 5,022 |
| Return on Equity (ROE) | 3.2025% | 5,411 |
| Retained earnings to average equity (ytd only) | 3.2025% | 3,957 |
| Net charge-offs to loans | 0.4084% | 1,047 |
| Credit loss provision to net charge-offs | 73.5683% | 2,990 |
| Earnings coverage of net charge-offs (x) | 2.6388% | 4,100 |
| Efficiency ratio | 76.4914% | 2,441 |
| Assets per employee ($millions) | 9.6555% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 5,534 |
| Loan loss allowance to noncurrent loans | 2,000.0000% | 326 |
| Noncurrent assets plus other real estate owned to assets | 1.5082% | 1,806 |
| Noncurrent loans to loans | 0.0439% | 5,702 |
| Net loans and leases to total assets | 75.9464% | 1,274 |
| Net loans and leases to deposits | 85.8942% | 1,997 |
| Net loans and leases to core deposits | 108.0209% | 888 |
| Total domestic deposits to total assets | 88.4185% | 1,556 |
| Equity capital to assets | 10.6287% | 3,325 |
| Core capital (leverage) ratio | 10.4968% | 2,948 |
| Tier 1 risk-based capital ratio | 12.2402% | 5,198 |
| Total risk-based capital ratio | 13.0444% | 5,404 |
| Memoranda: | ||
| Average total assets | $75,283,000 | 5,168 |
| Average earning assets | $63,901,200 | 5,280 |
| Average equity | $8,087,400 | 5,184 |
| Average total loans | $55,578,200 | 4,627 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 285 |
| Cost of funding earning assets | 1.5494% | 20 |
| Net interest margin | 4.0254% | 1,806 |
| Noninterest income to average assets | -0.1123% | 6,529 |
| Noninterest expense to average assets | 2.5742% | 4,275 |
| Loan and lease loss provision to assets | 0.1123% | 2,173 |
| Net operating income to assets | 0.3619% | 5,394 |
| Return on assets (ROA) | 0.3619% | 5,466 |
| Pretax return on assets | 0.6008% | 5,022 |
| Return on Equity (ROE) | 3.3594% | 5,401 |
| Retained earnings to average equity (ytd only) | 3.3594% | 4,224 |
| Net charge-offs to loans | 0.3268% | 1,226 |
| Credit loss provision to net charge-offs | 47.0149% | 3,156 |
| Earnings coverage of net charge-offs (x) | 2.9851% | 3,775 |
| Efficiency ratio | 78.3080% | 2,137 |
| Assets per employee ($millions) | 9.4875% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 5,660 |
| Loan loss allowance to noncurrent loans | 25,450.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 2.8656% | 845 |
| Noncurrent loans to loans | 0.0035% | 6,035 |
| Net loans and leases to total assets | 75.4625% | 1,296 |
| Net loans and leases to deposits | 85.5760% | 1,957 |
| Net loans and leases to core deposits | 110.5053% | 723 |
| Total domestic deposits to total assets | 88.1818% | 1,669 |
| Equity capital to assets | 10.7523% | 3,238 |
| Core capital (leverage) ratio | 10.2485% | 3,342 |
| Tier 1 risk-based capital ratio | 11.9909% | 5,491 |
| Total risk-based capital ratio | 12.7659% | 5,711 |
| Memoranda: | ||
| Average total assets | $74,792,750 | 5,234 |
| Average earning assets | $63,163,500 | 5,364 |
| Average equity | $8,056,750 | 5,234 |
| Average total loans | $54,676,750 | 4,702 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4481% | 341 |
| Cost of funding earning assets | 1.5557% | 21 |
| Net interest margin | 3.8924% | 2,200 |
| Noninterest income to average assets | 0.0726% | 6,368 |
| Noninterest expense to average assets | 2.6685% | 3,986 |
| Loan and lease loss provision to assets | 0.0672% | 2,922 |
| Net operating income to assets | 0.3655% | 5,351 |
| Return on assets (ROA) | 0.3655% | 5,418 |
| Pretax return on assets | 0.6181% | 4,900 |
| Return on Equity (ROE) | 3.3907% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.3907% | 4,044 |
| Net charge-offs to loans | 0.2983% | 1,349 |
| Credit loss provision to net charge-offs | 31.2500% | 3,044 |
| Earnings coverage of net charge-offs (x) | 3.1875% | 3,371 |
| Efficiency ratio | 79.5673% | 2,082 |
| Assets per employee ($millions) | 10.9073% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 5,639 |
| Loan loss allowance to noncurrent loans | 1,009.6154% | 517 |
| Noncurrent assets plus other real estate owned to assets | 3.0438% | 835 |
| Noncurrent loans to loans | 0.0919% | 5,739 |
| Net loans and leases to total assets | 73.4201% | 1,517 |
| Net loans and leases to deposits | 83.1176% | 2,132 |
| Net loans and leases to core deposits | 106.5520% | 867 |
| Total domestic deposits to total assets | 88.3328% | 1,718 |
| Equity capital to assets | 10.6010% | 3,309 |
| Core capital (leverage) ratio | 10.2686% | 3,245 |
| Tier 1 risk-based capital ratio | 11.8042% | 5,636 |
| Total risk-based capital ratio | 12.6086% | 5,820 |
| Memoranda: | ||
| Average total assets | $74,423,670 | 5,282 |
| Average earning assets | $62,737,330 | 5,430 |
| Average equity | $8,022,000 | 5,270 |
| Average total loans | $53,640,670 | 4,756 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3638% | 373 |
| Cost of funding earning assets | 1.5669% | 22 |
| Net interest margin | 3.7969% | 2,484 |
| Noninterest income to average assets | 0.1035% | 6,322 |
| Noninterest expense to average assets | 2.7226% | 3,861 |
| Loan and lease loss provision to assets | 0.0272% | 3,472 |
| Net operating income to assets | 0.3049% | 5,474 |
| Return on assets (ROA) | 0.3049% | 5,523 |
| Pretax return on assets | 0.5336% | 5,068 |
| Return on Equity (ROE) | 2.8049% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.8049% | 4,410 |
| Net charge-offs to loans | 0.2914% | 1,190 |
| Credit loss provision to net charge-offs | 13.1579% | 2,579 |
| Earnings coverage of net charge-offs (x) | 2.7105% | 2,815 |
| Efficiency ratio | 82.9187% | 1,810 |
| Assets per employee ($millions) | 10.6526% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 5,336 |
| Loan loss allowance to noncurrent loans | 2,604.7619% | 222 |
| Noncurrent assets plus other real estate owned to assets | 3.0750% | 915 |
| Noncurrent loans to loans | 0.0401% | 6,030 |
| Net loans and leases to total assets | 69.5566% | 1,974 |
| Net loans and leases to deposits | 78.9068% | 2,434 |
| Net loans and leases to core deposits | 101.1921% | 1,024 |
| Total domestic deposits to total assets | 88.1504% | 2,143 |
| Equity capital to assets | 10.7472% | 2,988 |
| Core capital (leverage) ratio | 10.3450% | 3,123 |
| Tier 1 risk-based capital ratio | 12.2153% | 5,499 |
| Total risk-based capital ratio | 13.1039% | 5,661 |
| Memoranda: | ||
| Average total assets | $73,460,000 | 5,351 |
| Average earning assets | $61,523,500 | 5,523 |
| Average equity | $7,986,000 | 5,295 |
| Average total loans | $52,170,000 | 4,859 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4707% | 385 |
| Cost of funding earning assets | 1.7991% | 19 |
| Net interest margin | 3.6716% | 3,166 |
| Noninterest income to average assets | 0.1108% | 6,348 |
| Noninterest expense to average assets | 2.5972% | 4,473 |
| Loan and lease loss provision to assets | 0.1606% | 2,275 |
| Net operating income to assets | 0.2458% | 5,702 |
| Return on assets (ROA) | 0.2458% | 5,770 |
| Pretax return on assets | 0.4092% | 5,479 |
| Return on Equity (ROE) | 2.2010% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.2010% | 4,684 |
| Net charge-offs to loans | 0.2055% | 2,825 |
| Credit loss provision to net charge-offs | 109.7087% | 2,193 |
| Earnings coverage of net charge-offs (x) | 3.8932% | 3,725 |
| Efficiency ratio | 82.0099% | 1,873 |
| Assets per employee ($millions) | 10.3360% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 5,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.1402% | 985 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 70.9669% | 1,846 |
| Net loans and leases to deposits | 80.7264% | 2,358 |
| Net loans and leases to core deposits | 100.9853% | 1,090 |
| Total domestic deposits to total assets | 87.9105% | 2,226 |
| Equity capital to assets | 10.9990% | 2,612 |
| Core capital (leverage) ratio | 10.3590% | 3,075 |
| Tier 1 risk-based capital ratio | 12.3672% | 5,389 |
| Total risk-based capital ratio | 13.3196% | 5,512 |
| Memoranda: | ||
| Average total assets | $70,382,800 | 5,465 |
| Average earning assets | $58,585,000 | 5,640 |
| Average equity | $7,860,000 | 5,377 |
| Average total loans | $50,122,200 | 4,956 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4285% | 416 |
| Cost of funding earning assets | 1.8225% | 18 |
| Net interest margin | 3.6060% | 3,418 |
| Noninterest income to average assets | 0.1221% | 6,409 |
| Noninterest expense to average assets | 2.6212% | 4,325 |
| Loan and lease loss provision to assets | 0.1393% | 2,554 |
| Net operating income to assets | 0.2175% | 5,870 |
| Return on assets (ROA) | 0.2175% | 5,949 |
| Pretax return on assets | 0.3625% | 5,713 |
| Return on Equity (ROE) | 1.9399% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.9399% | 5,161 |
| Net charge-offs to loans | 0.1611% | 2,947 |
| Credit loss provision to net charge-offs | 121.6667% | 1,938 |
| Earnings coverage of net charge-offs (x) | 4.3833% | 3,452 |
| Efficiency ratio | 83.9340% | 1,605 |
| Assets per employee ($millions) | 10.3474% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 5,195 |
| Loan loss allowance to noncurrent loans | 3,886.6667% | 164 |
| Noncurrent assets plus other real estate owned to assets | 3.1574% | 1,145 |
| Noncurrent loans to loans | 0.0291% | 6,261 |
| Net loans and leases to total assets | 70.2880% | 1,913 |
| Net loans and leases to deposits | 79.9545% | 2,416 |
| Net loans and leases to core deposits | 101.9505% | 994 |
| Total domestic deposits to total assets | 87.9100% | 2,190 |
| Equity capital to assets | 10.9054% | 2,854 |
| Core capital (leverage) ratio | 10.3678% | 3,145 |
| Tier 1 risk-based capital ratio | 12.1656% | 5,674 |
| Total risk-based capital ratio | 13.1219% | 5,806 |
| Memoranda: | ||
| Average total assets | $69,890,500 | 5,536 |
| Average earning assets | $58,161,000 | 5,709 |
| Average equity | $7,835,500 | 5,437 |
| Average total loans | $49,671,250 | 5,024 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3670% | 469 |
| Cost of funding earning assets | 1.8355% | 22 |
| Net interest margin | 3.5315% | 3,649 |
| Noninterest income to average assets | 0.2086% | 5,952 |
| Noninterest expense to average assets | 2.6621% | 4,175 |
| Loan and lease loss provision to assets | 0.1825% | 2,080 |
| Net operating income to assets | 0.1796% | 5,959 |
| Return on assets (ROA) | 0.1796% | 6,070 |
| Pretax return on assets | 0.2955% | 5,889 |
| Return on Equity (ROE) | 1.5868% | 6,079 |
| Retained earnings to average equity (ytd only) | 1.5868% | 5,236 |
| Net charge-offs to loans | 0.0978% | 3,383 |
| Credit loss provision to net charge-offs | 262.5000% | 959 |
| Earnings coverage of net charge-offs (x) | 6.8750% | 2,637 |
| Efficiency ratio | 84.7786% | 1,551 |
| Assets per employee ($millions) | 9.9507% | 225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 4,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.3006% | 1,193 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 69.7193% | 1,931 |
| Net loans and leases to deposits | 79.5671% | 2,391 |
| Net loans and leases to core deposits | 99.5103% | 1,117 |
| Total domestic deposits to total assets | 87.6233% | 2,481 |
| Equity capital to assets | 11.2655% | 2,505 |
| Core capital (leverage) ratio | 10.5215% | 2,856 |
| Tier 1 risk-based capital ratio | 12.4063% | 5,566 |
| Total risk-based capital ratio | 13.4555% | 5,621 |
| Memoranda: | ||
| Average total assets | $69,043,330 | 5,603 |
| Average earning assets | $57,313,000 | 5,768 |
| Average equity | $7,814,330 | 5,477 |
| Average total loans | $49,063,670 | 5,066 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2970% | 516 |
| Cost of funding earning assets | 1.8522% | 20 |
| Net interest margin | 3.4448% | 3,936 |
| Noninterest income to average assets | 0.2851% | 5,422 |
| Noninterest expense to average assets | 2.7001% | 4,060 |
| Loan and lease loss provision to assets | 0.2037% | 1,821 |
| Net operating income to assets | 0.1513% | 6,037 |
| Return on assets (ROA) | 0.1513% | 6,133 |
| Pretax return on assets | 0.2386% | 5,993 |
| Return on Equity (ROE) | 1.3337% | 6,139 |
| Retained earnings to average equity (ytd only) | 1.3337% | 5,318 |
| Net charge-offs to loans | 0.2204% | 2,107 |
| Credit loss provision to net charge-offs | 129.6296% | 1,523 |
| Earnings coverage of net charge-offs (x) | 2.8148% | 2,932 |
| Efficiency ratio | 85.9259% | 1,529 |
| Assets per employee ($millions) | 9.6889% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 5,147 |
| Loan loss allowance to noncurrent loans | 11,560.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 3.3971% | 1,273 |
| Noncurrent loans to loans | 0.0104% | 6,474 |
| Net loans and leases to total assets | 69.7148% | 1,711 |
| Net loans and leases to deposits | 79.8548% | 2,096 |
| Net loans and leases to core deposits | 99.5473% | 978 |
| Total domestic deposits to total assets | 87.3021% | 2,756 |
| Equity capital to assets | 11.5169% | 2,397 |
| Core capital (leverage) ratio | 10.5525% | 2,702 |
| Tier 1 risk-based capital ratio | 12.7959% | 5,374 |
| Total risk-based capital ratio | 13.8318% | 5,474 |
| Memoranda: | ||
| Average total assets | $68,737,500 | 5,668 |
| Average earning assets | $57,013,000 | 5,823 |
| Average equity | $7,798,000 | 5,541 |
| Average total loans | $49,009,500 | 5,094 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3290% | 877 |
| Cost of funding earning assets | 2.1269% | 20 |
| Net interest margin | 3.2020% | 5,565 |
| Noninterest income to average assets | 0.2662% | 5,554 |
| Noninterest expense to average assets | 2.5407% | 4,963 |
| Loan and lease loss provision to assets | 0.1841% | 3,334 |
| Net operating income to assets | 0.1529% | 5,886 |
| Return on assets (ROA) | 0.1529% | 6,045 |
| Pretax return on assets | 0.2620% | 5,898 |
| Return on Equity (ROE) | 1.4040% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.4040% | 5,173 |
| Net charge-offs to loans | 0.6234% | 1,882 |
| Credit loss provision to net charge-offs | 40.1235% | 4,932 |
| Earnings coverage of net charge-offs (x) | 0.9722% | 4,976 |
| Efficiency ratio | 85.0640% | 1,510 |
| Assets per employee ($millions) | 9.9504% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 5,404 |
| Loan loss allowance to noncurrent loans | 1,628.5714% | 322 |
| Noncurrent assets plus other real estate owned to assets | 3.3509% | 1,372 |
| Noncurrent loans to loans | 0.0698% | 6,314 |
| Net loans and leases to total assets | 71.1943% | 1,619 |
| Net loans and leases to deposits | 81.1405% | 2,128 |
| Net loans and leases to core deposits | 102.2053% | 882 |
| Total domestic deposits to total assets | 87.7421% | 2,384 |
| Equity capital to assets | 11.1768% | 2,760 |
| Core capital (leverage) ratio | 10.1202% | 3,247 |
| Tier 1 risk-based capital ratio | 12.2843% | 5,605 |
| Total risk-based capital ratio | 13.2707% | 5,730 |
| Memoranda: | ||
| Average total assets | $70,611,400 | 5,612 |
| Average earning assets | $59,993,000 | 5,747 |
| Average equity | $7,692,400 | 5,586 |
| Average total loans | $51,974,000 | 5,017 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2039% | 1,186 |
| Cost of funding earning assets | 2.1670% | 18 |
| Net interest margin | 3.0369% | 6,090 |
| Noninterest income to average assets | 0.1148% | 6,566 |
| Noninterest expense to average assets | 2.4351% | 5,292 |
| Loan and lease loss provision to assets | 0.2446% | 2,608 |
| Net operating income to assets | 0.0113% | 6,261 |
| Return on assets (ROA) | 0.0113% | 6,392 |
| Pretax return on assets | 0.0301% | 6,366 |
| Return on Equity (ROE) | 0.1043% | 6,392 |
| Retained earnings to average equity (ytd only) | 0.1043% | 6,040 |
| Net charge-offs to loans | 0.7248% | 1,524 |
| Credit loss provision to net charge-offs | 45.6140% | 4,499 |
| Earnings coverage of net charge-offs (x) | 0.5123% | 5,061 |
| Efficiency ratio | 89.8611% | 1,049 |
| Assets per employee ($millions) | 10.3406% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,415 |
| Loan loss allowance to noncurrent loans | 1,691.6667% | 288 |
| Noncurrent assets plus other real estate owned to assets | 3.6541% | 1,360 |
| Noncurrent loans to loans | 0.0693% | 6,443 |
| Net loans and leases to total assets | 70.9231% | 1,737 |
| Net loans and leases to deposits | 80.2994% | 2,346 |
| Net loans and leases to core deposits | 103.1692% | 923 |
| Total domestic deposits to total assets | 88.3234% | 1,828 |
| Equity capital to assets | 10.6142% | 3,716 |
| Core capital (leverage) ratio | 9.4834% | 4,293 |
| Tier 1 risk-based capital ratio | 11.6798% | 6,131 |
| Total risk-based capital ratio | 12.7063% | 6,220 |
| Memoranda: | ||
| Average total assets | $70,851,000 | 5,670 |
| Average earning assets | $60,543,000 | 5,787 |
| Average equity | $7,669,250 | 5,654 |
| Average total loans | $52,427,750 | 5,052 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 1,465 |
| Cost of funding earning assets | 2.1821% | 20 |
| Net interest margin | 2.9349% | 6,369 |
| Noninterest income to average assets | 0.0938% | 6,699 |
| Noninterest expense to average assets | 2.5163% | 5,085 |
| Loan and lease loss provision to assets | 0.1706% | 3,399 |
| Net operating income to assets | -0.0540% | 6,388 |
| Return on assets (ROA) | -0.0540% | 6,505 |
| Pretax return on assets | -0.0768% | 6,501 |
| Return on Equity (ROE) | -0.4958% | 6,501 |
| Retained earnings to average equity (ytd only) | -0.4958% | 6,123 |
| Net charge-offs to loans | 0.7568% | 1,453 |
| Credit loss provision to net charge-offs | 30.1508% | 4,441 |
| Earnings coverage of net charge-offs (x) | 0.1658% | 4,987 |
| Efficiency ratio | 96.4052% | 684 |
| Assets per employee ($millions) | 9.3210% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 5,622 |
| Loan loss allowance to noncurrent loans | 51.6956% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 3.5632% | 1,490 |
| Noncurrent loans to loans | 2.1957% | 2,722 |
| Net loans and leases to total assets | 73.0045% | 1,390 |
| Net loans and leases to deposits | 82.3010% | 2,078 |
| Net loans and leases to core deposits | 104.7428% | 807 |
| Total domestic deposits to total assets | 88.7043% | 1,701 |
| Equity capital to assets | 10.2698% | 3,972 |
| Core capital (leverage) ratio | 9.9212% | 3,525 |
| Tier 1 risk-based capital ratio | 11.0659% | 6,465 |
| Total risk-based capital ratio | 12.0702% | 6,552 |
| Memoranda: | ||
| Average total assets | $70,340,000 | 5,726 |
| Average earning assets | $60,309,330 | 5,829 |
| Average equity | $7,664,670 | 5,665 |
| Average total loans | $52,588,330 | 5,080 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 1,358 |
| Cost of funding earning assets | 2.2674% | 18 |
| Net interest margin | 2.9133% | 6,471 |
| Noninterest income to average assets | 0.0117% | 7,066 |
| Noninterest expense to average assets | 2.6500% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.1055% | 6,546 |
| Return on assets (ROA) | -0.1055% | 6,625 |
| Pretax return on assets | -0.1524% | 6,634 |
| Return on Equity (ROE) | -0.9390% | 6,620 |
| Retained earnings to average equity (ytd only) | -0.9390% | 6,145 |
| Net charge-offs to loans | 0.3038% | 2,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | -0.6667% | 4,525 |
| Efficiency ratio | 106.1033% | 406 |
| Assets per employee ($millions) | 8.5596% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4199% | 4,517 |
| Loan loss allowance to noncurrent loans | 43.7010% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 4.0452% | 1,354 |
| Noncurrent loans to loans | 3.2491% | 1,973 |
| Net loans and leases to total assets | 73.5064% | 1,136 |
| Net loans and leases to deposits | 83.7200% | 1,699 |
| Net loans and leases to core deposits | 110.9703% | 500 |
| Total domestic deposits to total assets | 87.8003% | 2,457 |
| Equity capital to assets | 11.1848% | 2,726 |
| Core capital (leverage) ratio | 10.2892% | 3,007 |
| Tier 1 risk-based capital ratio | 12.3229% | 5,738 |
| Total risk-based capital ratio | 13.5734% | 5,701 |
| Memoranda: | ||
| Average total assets | $68,226,000 | 5,820 |
| Average earning assets | $58,216,500 | 5,930 |
| Average equity | $7,668,000 | 5,694 |
| Average total loans | $51,351,000 | 5,165 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5297% | 1,097 |
| Cost of funding earning assets | 2.5126% | 25 |
| Net interest margin | 3.0171% | 6,503 |
| Noninterest income to average assets | 0.0304% | 6,900 |
| Noninterest expense to average assets | 2.4351% | 5,684 |
| Loan and lease loss provision to assets | 0.4743% | 2,234 |
| Net operating income to assets | -0.1620% | 6,215 |
| Return on assets (ROA) | -0.1620% | 6,291 |
| Pretax return on assets | -0.2849% | 6,344 |
| Return on Equity (ROE) | -1.4886% | 6,294 |
| Retained earnings to average equity (ytd only) | -1.4886% | 6,090 |
| Net charge-offs to loans | 1.5663% | 1,009 |
| Credit loss provision to net charge-offs | 38.6337% | 5,654 |
| Earnings coverage of net charge-offs (x) | 0.1543% | 5,722 |
| Efficiency ratio | 92.7824% | 998 |
| Assets per employee ($millions) | 9.7107% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 4,113 |
| Loan loss allowance to noncurrent loans | 48.6314% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 3.9456% | 1,456 |
| Noncurrent loans to loans | 3.0421% | 2,130 |
| Net loans and leases to total assets | 74.8481% | 1,115 |
| Net loans and leases to deposits | 85.4906% | 1,731 |
| Net loans and leases to core deposits | 114.9603% | 469 |
| Total domestic deposits to total assets | 87.5513% | 2,443 |
| Equity capital to assets | 11.2939% | 2,699 |
| Core capital (leverage) ratio | 9.9843% | 3,355 |
| Tier 1 risk-based capital ratio | 12.1303% | 5,739 |
| Total risk-based capital ratio | 13.3812% | 5,719 |
| Memoranda: | ||
| Average total assets | $69,156,200 | 5,770 |
| Average earning assets | $59,461,200 | 5,880 |
| Average equity | $7,523,600 | 5,709 |
| Average total loans | $54,205,600 | 5,108 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4766% | 1,309 |
| Cost of funding earning assets | 2.5268% | 28 |
| Net interest margin | 2.9498% | 6,669 |
| Noninterest income to average assets | 0.0211% | 7,041 |
| Noninterest expense to average assets | 2.2768% | 6,097 |
| Loan and lease loss provision to assets | 0.4991% | 1,991 |
| Net operating income to assets | -0.1113% | 6,297 |
| Return on assets (ROA) | -0.1113% | 6,379 |
| Pretax return on assets | -0.2112% | 6,420 |
| Return on Equity (ROE) | -1.0331% | 6,383 |
| Retained earnings to average equity (ytd only) | -1.0331% | 6,160 |
| Net charge-offs to loans | 2.0396% | 614 |
| Credit loss provision to net charge-offs | 30.9893% | 5,400 |
| Earnings coverage of net charge-offs (x) | 0.1788% | 5,464 |
| Efficiency ratio | 88.7725% | 1,269 |
| Assets per employee ($millions) | 10.0504% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3512% | 4,769 |
| Loan loss allowance to noncurrent loans | 46.2951% | 5,238 |
| Noncurrent assets plus other real estate owned to assets | 3.7468% | 1,661 |
| Noncurrent loans to loans | 2.9187% | 2,387 |
| Net loans and leases to total assets | 73.2634% | 1,460 |
| Net loans and leases to deposits | 83.2372% | 2,138 |
| Net loans and leases to core deposits | 115.0590% | 525 |
| Total domestic deposits to total assets | 88.0176% | 2,025 |
| Equity capital to assets | 10.9874% | 3,158 |
| Core capital (leverage) ratio | 10.1514% | 3,243 |
| Tier 1 risk-based capital ratio | 12.3418% | 5,629 |
| Total risk-based capital ratio | 13.5865% | 5,619 |
| Memoranda: | ||
| Average total assets | $69,451,500 | 5,796 |
| Average earning assets | $59,890,250 | 5,910 |
| Average equity | $7,485,250 | 5,752 |
| Average total loans | $54,846,500 | 5,125 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4827% | 1,339 |
| Cost of funding earning assets | 2.5481% | 28 |
| Net interest margin | 2.9345% | 6,730 |
| Noninterest income to average assets | 0.0087% | 7,169 |
| Noninterest expense to average assets | 2.3832% | 5,894 |
| Loan and lease loss provision to assets | 0.1128% | 4,881 |
| Net operating income to assets | 0.0723% | 6,077 |
| Return on assets (ROA) | 0.0723% | 6,158 |
| Pretax return on assets | 0.0607% | 6,169 |
| Return on Equity (ROE) | 0.6753% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.6753% | 5,581 |
| Net charge-offs to loans | 2.9114% | 363 |
| Credit loss provision to net charge-offs | 4.8089% | 5,291 |
| Earnings coverage of net charge-offs (x) | 0.0740% | 5,234 |
| Efficiency ratio | 93.2127% | 1,029 |
| Assets per employee ($millions) | 10.0054% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,475 |
| Loan loss allowance to noncurrent loans | 24.0732% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 4.6289% | 1,351 |
| Noncurrent loans to loans | 3.9954% | 1,736 |
| Net loans and leases to total assets | 75.4205% | 1,169 |
| Net loans and leases to deposits | 85.3360% | 1,888 |
| Net loans and leases to core deposits | 118.1062% | 469 |
| Total domestic deposits to total assets | 88.3806% | 1,926 |
| Equity capital to assets | 10.5857% | 3,396 |
| Core capital (leverage) ratio | 9.6968% | 3,663 |
| Tier 1 risk-based capital ratio | 11.6372% | 6,068 |
| Total risk-based capital ratio | 12.5240% | 6,337 |
| Memoranda: | ||
| Average total assets | $69,151,000 | 5,848 |
| Average earning assets | $60,043,670 | 5,957 |
| Average equity | $7,403,670 | 5,800 |
| Average total loans | $55,712,330 | 5,141 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5552% | 1,165 |
| Cost of funding earning assets | 2.5547% | 33 |
| Net interest margin | 3.0005% | 6,573 |
| Noninterest income to average assets | 0.0116% | 7,268 |
| Noninterest expense to average assets | 2.5674% | 5,338 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1106% | 6,067 |
| Return on assets (ROA) | 0.1106% | 6,120 |
| Pretax return on assets | 0.0699% | 6,239 |
| Return on Equity (ROE) | 1.0272% | 6,123 |
| Retained earnings to average equity (ytd only) | 1.0272% | 5,417 |
| Net charge-offs to loans | 0.1547% | 3,564 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.5455% | 4,212 |
| Efficiency ratio | 97.3510% | 863 |
| Assets per employee ($millions) | 9.7289% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2299% | 1,897 |
| Loan loss allowance to noncurrent loans | 45.0910% | 5,301 |
| Noncurrent assets plus other real estate owned to assets | 4.1129% | 1,613 |
| Noncurrent loans to loans | 4.9453% | 1,370 |
| Net loans and leases to total assets | 81.3148% | 414 |
| Net loans and leases to deposits | 92.4367% | 982 |
| Net loans and leases to core deposits | 122.5643% | 372 |
| Total domestic deposits to total assets | 87.9680% | 2,388 |
| Equity capital to assets | 10.8778% | 2,799 |
| Core capital (leverage) ratio | 9.7428% | 3,463 |
| Tier 1 risk-based capital ratio | 11.1058% | 6,429 |
| Total risk-based capital ratio | 12.3662% | 6,394 |
| Memoranda: | ||
| Average total assets | $68,707,500 | 5,910 |
| Average earning assets | $60,124,000 | 5,993 |
| Average equity | $7,398,500 | 5,806 |
| Average total loans | $56,900,500 | 5,134 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2521% | 3,352 |
| Cost of funding earning assets | 2.7440% | 51 |
| Net interest margin | 2.5081% | 7,265 |
| Noninterest income to average assets | -0.0546% | 7,357 |
| Noninterest expense to average assets | 2.1821% | 6,662 |
| Loan and lease loss provision to assets | 0.6858% | 2,397 |
| Net operating income to assets | -0.4283% | 6,339 |
| Return on assets (ROA) | -0.4283% | 6,365 |
| Pretax return on assets | -0.7642% | 6,498 |
| Return on Equity (ROE) | -4.0667% | 6,365 |
| Retained earnings to average equity (ytd only) | -4.0667% | 6,210 |
| Net charge-offs to loans | 0.1623% | 5,364 |
| Credit loss provision to net charge-offs | 563.2184% | 397 |
| Earnings coverage of net charge-offs (x) | -0.6437% | 6,513 |
| Efficiency ratio | 103.7259% | 681 |
| Assets per employee ($millions) | 9.9019% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2480% | 1,781 |
| Loan loss allowance to noncurrent loans | 45.8929% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 4.0396% | 1,680 |
| Noncurrent loans to loans | 4.8984% | 1,400 |
| Net loans and leases to total assets | 80.6140% | 582 |
| Net loans and leases to deposits | 91.4456% | 1,330 |
| Net loans and leases to core deposits | 117.3964% | 594 |
| Total domestic deposits to total assets | 88.1552% | 2,145 |
| Equity capital to assets | 10.6603% | 3,010 |
| Core capital (leverage) ratio | 9.3982% | 3,847 |
| Tier 1 risk-based capital ratio | 10.7776% | 6,506 |
| Total risk-based capital ratio | 12.0399% | 6,463 |
| Memoranda: | ||
| Average total assets | $71,445,800 | 5,843 |
| Average earning assets | $61,479,800 | 5,941 |
| Average equity | $7,524,600 | 5,866 |
| Average total loans | $53,616,000 | 5,335 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 4,621 |
| Cost of funding earning assets | 2.7263% | 62 |
| Net interest margin | 2.3155% | 7,479 |
| Noninterest income to average assets | -0.0667% | 7,512 |
| Noninterest expense to average assets | 2.1357% | 6,767 |
| Loan and lease loss provision to assets | 0.9077% | 1,668 |
| Net operating income to assets | -0.6168% | 6,677 |
| Return on assets (ROA) | -0.6168% | 6,721 |
| Pretax return on assets | -1.1262% | 6,910 |
| Return on Equity (ROE) | -5.8740% | 6,707 |
| Retained earnings to average equity (ytd only) | -5.8740% | 6,620 |
| Net charge-offs to loans | 0.1492% | 5,116 |
| Credit loss provision to net charge-offs | 830.5085% | 360 |
| Earnings coverage of net charge-offs (x) | -2.0001% | 6,536 |
| Efficiency ratio | 111.4010% | 499 |
| Assets per employee ($millions) | 12.2705% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4387% | 1,417 |
| Loan loss allowance to noncurrent loans | 46.8929% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 3.8032% | 1,871 |
| Noncurrent loans to loans | 5.2005% | 1,309 |
| Net loans and leases to total assets | 71.3473% | 2,396 |
| Net loans and leases to deposits | 80.1697% | 3,421 |
| Net loans and leases to core deposits | 107.3841% | 1,206 |
| Total domestic deposits to total assets | 88.9953% | 1,389 |
| Equity capital to assets | 9.9996% | 4,157 |
| Core capital (leverage) ratio | 9.2928% | 4,223 |
| Tier 1 risk-based capital ratio | 10.9758% | 6,403 |
| Total risk-based capital ratio | 12.2369% | 6,374 |
| Memoranda: | ||
| Average total assets | $71,979,000 | 5,885 |
| Average earning assets | $61,669,250 | 5,998 |
| Average equity | $7,558,500 | 5,923 |
| Average total loans | $52,729,750 | 5,454 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2563% | 3,677 |
| Cost of funding earning assets | 2.6475% | 107 |
| Net interest margin | 2.6088% | 7,340 |
| Noninterest income to average assets | -0.0420% | 7,583 |
| Noninterest expense to average assets | 2.1279% | 6,824 |
| Loan and lease loss provision to assets | 0.7560% | 1,905 |
| Net operating income to assets | -0.2884% | 6,462 |
| Return on assets (ROA) | -0.2884% | 6,511 |
| Pretax return on assets | -0.6580% | 6,699 |
| Return on Equity (ROE) | -2.7020% | 6,486 |
| Retained earnings to average equity (ytd only) | -2.7020% | 6,251 |
| Net charge-offs to loans | 0.0993% | 5,155 |
| Credit loss provision to net charge-offs | 1,038.4615% | 361 |
| Earnings coverage of net charge-offs (x) | 1.3462% | 4,481 |
| Efficiency ratio | 95.5975% | 988 |
| Assets per employee ($millions) | 10.2561% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1602% | 1,843 |
| Loan loss allowance to noncurrent loans | 120.4278% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 4,547 |
| Noncurrent loans to loans | 1.7938% | 4,011 |
| Net loans and leases to total assets | 71.0348% | 2,644 |
| Net loans and leases to deposits | 80.2196% | 3,561 |
| Net loans and leases to core deposits | 108.5572% | 1,258 |
| Total domestic deposits to total assets | 88.5504% | 1,700 |
| Equity capital to assets | 10.5748% | 3,318 |
| Core capital (leverage) ratio | 10.2889% | 2,842 |
| Tier 1 risk-based capital ratio | 12.0715% | 5,249 |
| Total risk-based capital ratio | 13.3299% | 5,210 |
| Memoranda: | ||
| Average total assets | $71,431,000 | 5,936 |
| Average earning assets | $62,097,330 | 6,019 |
| Average equity | $7,624,000 | 5,916 |
| Average total loans | $52,359,330 | 5,498 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2293% | 3,879 |
| Cost of funding earning assets | 2.5986% | 164 |
| Net interest margin | 2.6307% | 7,360 |
| Noninterest income to average assets | -0.0393% | 7,722 |
| Noninterest expense to average assets | 2.2456% | 6,561 |
| Loan and lease loss provision to assets | 1.4035% | 851 |
| Net operating income to assets | -0.6175% | 6,911 |
| Return on assets (ROA) | -0.6175% | 6,940 |
| Pretax return on assets | -1.3867% | 7,220 |
| Return on Equity (ROE) | -5.7592% | 6,923 |
| Retained earnings to average equity (ytd only) | -5.7592% | 6,640 |
| Net charge-offs to loans | 0.0686% | 4,726 |
| Credit loss provision to net charge-offs | 2,777.7778% | 183 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 4,741 |
| Efficiency ratio | 99.2556% | 866 |
| Assets per employee ($millions) | 8.7455% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1380% | 1,873 |
| Loan loss allowance to noncurrent loans | 122.1980% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 1.3135% | 4,565 |
| Noncurrent loans to loans | 1.7496% | 4,125 |
| Net loans and leases to total assets | 73.4692% | 2,089 |
| Net loans and leases to deposits | 90.4105% | 1,844 |
| Net loans and leases to core deposits | 123.9140% | 648 |
| Total domestic deposits to total assets | 81.2618% | 5,361 |
| Equity capital to assets | 10.8413% | 2,910 |
| Core capital (leverage) ratio | 9.9839% | 3,182 |
| Tier 1 risk-based capital ratio | 12.2658% | 4,930 |
| Total risk-based capital ratio | 13.5238% | 4,892 |
| Memoranda: | ||
| Average total assets | $71,250,000 | 6,013 |
| Average earning assets | $62,341,500 | 6,069 |
| Average equity | $7,640,000 | 5,964 |
| Average total loans | $52,477,000 | 5,557 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 2,447 |
| Cost of funding earning assets | 3.0692% | 187 |
| Net interest margin | 2.7788% | 7,097 |
| Noninterest income to average assets | 0.1706% | 6,858 |
| Noninterest expense to average assets | 2.2009% | 6,992 |
| Loan and lease loss provision to assets | 0.6567% | 3,185 |
| Net operating income to assets | -0.1635% | 5,783 |
| Return on assets (ROA) | -0.1635% | 5,790 |
| Pretax return on assets | -0.2179% | 5,726 |
| Return on Equity (ROE) | -1.4696% | 5,770 |
| Retained earnings to average equity (ytd only) | -1.4696% | 5,388 |
| Net charge-offs to loans | 0.1131% | 6,031 |
| Credit loss provision to net charge-offs | 803.5088% | 363 |
| Earnings coverage of net charge-offs (x) | 5.3684% | 2,621 |
| Efficiency ratio | 83.3786% | 2,434 |
| Assets per employee ($millions) | 8.0596% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6823% | 2,952 |
| Loan loss allowance to noncurrent loans | 142.2581% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8547% | 5,396 |
| Noncurrent loans to loans | 1.1826% | 4,965 |
| Net loans and leases to total assets | 71.0640% | 2,979 |
| Net loans and leases to deposits | 87.0388% | 2,730 |
| Net loans and leases to core deposits | 122.9593% | 1,715 |
| Total domestic deposits to total assets | 81.6464% | 5,088 |
| Equity capital to assets | 10.6085% | 3,058 |
| Core capital (leverage) ratio | 9.7181% | 3,422 |
| Tier 1 risk-based capital ratio | 12.5149% | 4,510 |
| Total risk-based capital ratio | 13.7669% | 4,458 |
| Memoranda: | ||
| Average total assets | $69,745,600 | 6,015 |
| Average earning assets | $61,969,800 | 6,063 |
| Average equity | $7,757,400 | 6,008 |
| Average total loans | $50,415,200 | 5,647 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9373% | 2,282 |
| Cost of funding earning assets | 3.1248% | 228 |
| Net interest margin | 2.8125% | 7,035 |
| Noninterest income to average assets | 0.0869% | 7,459 |
| Noninterest expense to average assets | 2.2670% | 6,794 |
| Loan and lease loss provision to assets | 0.3959% | 3,939 |
| Net operating income to assets | -0.0637% | 5,830 |
| Return on assets (ROA) | -0.0637% | 5,875 |
| Pretax return on assets | -0.0714% | 5,809 |
| Return on Equity (ROE) | -0.5661% | 5,863 |
| Retained earnings to average equity (ytd only) | -0.5661% | 5,369 |
| Net charge-offs to loans | 0.1202% | 5,498 |
| Credit loss provision to net charge-offs | 455.5556% | 863 |
| Earnings coverage of net charge-offs (x) | 3.7332% | 3,403 |
| Efficiency ratio | 87.4814% | 1,920 |
| Assets per employee ($millions) | 8.7821% | 390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 4,925 |
| Loan loss allowance to noncurrent loans | 2,564.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 7,502 |
| Noncurrent loans to loans | 0.0482% | 7,384 |
| Net loans and leases to total assets | 64.8148% | 4,695 |
| Net loans and leases to deposits | 84.5405% | 3,559 |
| Net loans and leases to core deposits | 113.7613% | 2,855 |
| Total domestic deposits to total assets | 76.6672% | 6,433 |
| Equity capital to assets | 9.8382% | 4,303 |
| Core capital (leverage) ratio | 9.7949% | 3,524 |
| Tier 1 risk-based capital ratio | 13.3285% | 3,967 |
| Total risk-based capital ratio | 14.4874% | 3,974 |
| Memoranda: | ||
| Average total assets | $69,048,000 | 6,073 |
| Average earning assets | $61,485,500 | 6,123 |
| Average equity | $7,773,000 | 6,057 |
| Average total loans | $49,911,750 | 5,728 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1256% | 1,709 |
| Cost of funding earning assets | 3.2960% | 206 |
| Net interest margin | 2.8296% | 6,957 |
| Noninterest income to average assets | 0.0852% | 7,550 |
| Noninterest expense to average assets | 2.3373% | 6,654 |
| Loan and lease loss provision to assets | 0.5021% | 3,024 |
| Net operating income to assets | -0.1491% | 6,103 |
| Return on assets (ROA) | -0.1491% | 6,126 |
| Pretax return on assets | -0.2435% | 6,172 |
| Return on Equity (ROE) | -1.2609% | 6,114 |
| Retained earnings to average equity (ytd only) | -1.2609% | 5,555 |
| Net charge-offs to loans | 0.0528% | 5,752 |
| Credit loss provision to net charge-offs | 1,269.2308% | 389 |
| Earnings coverage of net charge-offs (x) | 6.5385% | 2,597 |
| Efficiency ratio | 90.0352% | 1,806 |
| Assets per employee ($millions) | 9.2588% | 322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1985% | 4,955 |
| Loan loss allowance to noncurrent loans | 2,344.4444% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0365% | 7,515 |
| Noncurrent loans to loans | 0.0511% | 7,407 |
| Net loans and leases to total assets | 70.4523% | 3,593 |
| Net loans and leases to deposits | 94.0540% | 2,080 |
| Net loans and leases to core deposits | 132.8277% | 1,380 |
| Total domestic deposits to total assets | 74.9062% | 6,783 |
| Equity capital to assets | 10.4766% | 3,432 |
| Core capital (leverage) ratio | 10.1073% | 3,182 |
| Tier 1 risk-based capital ratio | 13.1354% | 4,048 |
| Total risk-based capital ratio | 14.2698% | 4,055 |
| Memoranda: | ||
| Average total assets | $65,717,670 | 6,240 |
| Average earning assets | $58,312,330 | 6,301 |
| Average equity | $7,772,000 | 6,098 |
| Average total loans | $49,259,000 | 5,799 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 3,574 |
| Cost of funding earning assets | 3.5381% | 133 |
| Net interest margin | 2.2039% | 7,791 |
| Noninterest income to average assets | 0.0975% | 7,558 |
| Noninterest expense to average assets | 2.5479% | 5,656 |
| Loan and lease loss provision to assets | 0.1625% | 4,857 |
| Net operating income to assets | -0.4030% | 6,789 |
| Return on assets (ROA) | -0.4030% | 6,859 |
| Pretax return on assets | -0.6695% | 6,951 |
| Return on Equity (ROE) | -3.1885% | 6,795 |
| Retained earnings to average equity (ytd only) | -3.1885% | 6,309 |
| Net charge-offs to loans | 0.0421% | 4,891 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | -15.6000% | 5,647 |
| Efficiency ratio | 124.8408% | 574 |
| Assets per employee ($millions) | 7.9804% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 5,928 |
| Loan loss allowance to noncurrent loans | 26.6065% | 6,797 |
| Noncurrent assets plus other real estate owned to assets | 2.9494% | 1,920 |
| Noncurrent loans to loans | 3.8739% | 1,580 |
| Net loans and leases to total assets | 75.3505% | 2,417 |
| Net loans and leases to deposits | 86.7244% | 3,518 |
| Net loans and leases to core deposits | 113.0071% | 3,103 |
| Total domestic deposits to total assets | 86.8850% | 2,274 |
| Equity capital to assets | 12.1345% | 2,177 |
| Core capital (leverage) ratio | 11.8462% | 1,975 |
| Tier 1 risk-based capital ratio | 14.2785% | 3,443 |
| Total risk-based capital ratio | 15.2576% | 3,504 |
| Memoranda: | ||
| Average total assets | $61,541,500 | 6,420 |
| Average earning assets | $54,267,000 | 6,485 |
| Average equity | $7,778,000 | 6,130 |
| Average total loans | $47,480,000 | 5,892 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6791% | 2,112 |
| Cost of funding earning assets | 3.5154% | 492 |
| Net interest margin | 3.1636% | 6,483 |
| Noninterest income to average assets | 0.0573% | 7,856 |
| Noninterest expense to average assets | 3.0828% | 3,770 |
| Loan and lease loss provision to assets | 0.4807% | 2,896 |
| Net operating income to assets | -0.3594% | 6,780 |
| Return on assets (ROA) | -0.3594% | 6,654 |
| Pretax return on assets | -0.5513% | 6,687 |
| Return on Equity (ROE) | -2.0740% | 6,513 |
| Retained earnings to average equity (ytd only) | -2.0740% | 5,893 |
| Net charge-offs to loans | 0.0718% | 5,738 |
| Credit loss provision to net charge-offs | 778.5714% | 553 |
| Earnings coverage of net charge-offs (x) | -1.1429% | 6,618 |
| Efficiency ratio | 102.3426% | 903 |
| Assets per employee ($millions) | 9.8733% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 5,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 77.4342% | 2,280 |
| Net loans and leases to deposits | 90.3223% | 3,399 |
| Net loans and leases to core deposits | 117.9744% | 2,889 |
| Total domestic deposits to total assets | 85.7309% | 2,522 |
| Equity capital to assets | 13.1820% | 1,717 |
| Core capital (leverage) ratio | 13.6428% | 1,348 |
| Tier 1 risk-based capital ratio | 14.3244% | 3,379 |
| Total risk-based capital ratio | 15.2543% | 3,464 |
| Memoranda: | ||
| Average total assets | $45,348,600 | 6,967 |
| Average earning assets | $42,356,200 | 6,936 |
| Average equity | $7,859,200 | 6,146 |
| Average total loans | $39,021,000 | 6,225 |