Home > Bank of the Prairie > Performance and Condition Ratios
Bank of the Prairie, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6841% | 73 |
| Cost of funding earning assets | 1.0388% | 1,264 |
| Net interest margin | 5.6453% | 73 |
| Noninterest income to average assets | 0.3919% | 3,160 |
| Noninterest expense to average assets | 2.8841% | 2,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.2709% | 159 |
| Return on assets (ROA) | 2.2677% | 178 |
| Pretax return on assets | 2.3649% | 214 |
| Return on Equity (ROE) | 14.6094% | 600 |
| Retained earnings to average equity (ytd only) | 14.6094% | 214 |
| Net charge-offs to loans | -0.0223% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9107% | 4,317 |
| Assets per employee ($millions) | 4.8256% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0059% | 5,067 |
| Loan loss allowance to noncurrent loans | 1.1655% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 3,012 |
| Noncurrent loans to loans | 0.5060% | 2,751 |
| Net loans and leases to total assets | 70.2777% | 2,202 |
| Net loans and leases to deposits | 90.5463% | 1,448 |
| Net loans and leases to core deposits | 92.3633% | 2,122 |
| Total domestic deposits to total assets | 77.6152% | 4,277 |
| Equity capital to assets | 19.0252% | 285 |
| Core capital (leverage) ratio | 9.7431% | 3,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2393% | 3,025 |
| Memoranda: | ||
| Average total assets | $119,414,500 | 3,711 |
| Average earning assets | $102,811,500 | 3,840 |
| Average equity | $18,536,000 | 3,316 |
| Average total loans | $89,694,500 | 3,403 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3552% | 738 |
| Cost of funding earning assets | 1.4294% | 505 |
| Net interest margin | 3.9258% | 2,086 |
| Noninterest income to average assets | 1.0669% | 835 |
| Noninterest expense to average assets | 3.7510% | 713 |
| Loan and lease loss provision to assets | 0.6927% | 161 |
| Net operating income to assets | 0.1778% | 4,858 |
| Return on assets (ROA) | 0.5650% | 4,308 |
| Pretax return on assets | 0.7286% | 4,138 |
| Return on Equity (ROE) | 5.4565% | 4,081 |
| Retained earnings to average equity (ytd only) | 4.1455% | 2,888 |
| Net charge-offs to loans | 1.5231% | 89 |
| Credit loss provision to net charge-offs | 62.3926% | 3,012 |
| Earnings coverage of net charge-offs (x) | 0.8387% | 3,590 |
| Efficiency ratio | 80.1128% | 933 |
| Assets per employee ($millions) | 4.7276% | 2,921 |
| Cash dividends to net income (ytd only)* | 24.0260% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4958% | 1,244 |
| Loan loss allowance to noncurrent loans | 330.6075% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.9689% | 402 |
| Noncurrent loans to loans | 0.4524% | 2,818 |
| Net loans and leases to total assets | 78.8449% | 959 |
| Net loans and leases to deposits | 93.4955% | 1,204 |
| Net loans and leases to core deposits | 97.7182% | 1,751 |
| Total domestic deposits to total assets | 84.3302% | 2,742 |
| Equity capital to assets | 11.9470% | 2,164 |
| Core capital (leverage) ratio | 11.1049% | 2,411 |
| Tier 1 risk-based capital ratio | 13.3839% | 3,591 |
| Total risk-based capital ratio | 14.6351% | 3,475 |
| Memoranda: | ||
| Average total assets | $136,283,200 | 3,489 |
| Average earning assets | $125,504,600 | 3,487 |
| Average equity | $14,111,600 | 3,735 |
| Average total loans | $99,336,800 | 3,236 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2706% | 917 |
| Cost of funding earning assets | 1.4834% | 429 |
| Net interest margin | 3.7872% | 2,637 |
| Noninterest income to average assets | 1.0103% | 919 |
| Noninterest expense to average assets | 3.0395% | 1,859 |
| Loan and lease loss provision to assets | 0.3276% | 424 |
| Net operating income to assets | 0.9112% | 3,311 |
| Return on assets (ROA) | 0.9157% | 3,369 |
| Pretax return on assets | 1.1590% | 3,105 |
| Return on Equity (ROE) | 9.1378% | 2,830 |
| Retained earnings to average equity (ytd only) | 7.9566% | 1,421 |
| Net charge-offs to loans | 0.6884% | 229 |
| Credit loss provision to net charge-offs | 66.6667% | 2,651 |
| Earnings coverage of net charge-offs (x) | 3.0135% | 3,144 |
| Efficiency ratio | 67.2392% | 2,540 |
| Assets per employee ($millions) | 5.1289% | 2,417 |
| Cash dividends to net income (ytd only)* | 12.9264% | 3,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8522% | 601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5771% | 667 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.2990% | 2,583 |
| Net loans and leases to deposits | 84.6388% | 2,363 |
| Net loans and leases to core deposits | 90.1148% | 2,541 |
| Total domestic deposits to total assets | 81.8762% | 3,502 |
| Equity capital to assets | 10.8029% | 3,292 |
| Core capital (leverage) ratio | 10.0779% | 3,554 |
| Tier 1 risk-based capital ratio | 13.2024% | 3,738 |
| Total risk-based capital ratio | 14.4574% | 3,645 |
| Memoranda: | ||
| Average total assets | $140,806,750 | 3,461 |
| Average earning assets | $130,507,750 | 3,451 |
| Average equity | $14,109,500 | 3,771 |
| Average total loans | $100,520,750 | 3,259 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1520% | 1,098 |
| Cost of funding earning assets | 1.4731% | 412 |
| Net interest margin | 3.6789% | 2,993 |
| Noninterest income to average assets | 0.6625% | 1,864 |
| Noninterest expense to average assets | 2.9255% | 2,208 |
| Loan and lease loss provision to assets | 0.1568% | 1,159 |
| Net operating income to assets | 0.7995% | 3,651 |
| Return on assets (ROA) | 0.7995% | 3,714 |
| Pretax return on assets | 1.0058% | 3,523 |
| Return on Equity (ROE) | 8.1875% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.0013% | 1,808 |
| Net charge-offs to loans | 0.4811% | 332 |
| Credit loss provision to net charge-offs | 45.4918% | 2,502 |
| Earnings coverage of net charge-offs (x) | 3.3730% | 2,851 |
| Efficiency ratio | 71.5619% | 1,978 |
| Assets per employee ($millions) | 5.1020% | 2,359 |
| Cash dividends to net income (ytd only)* | 14.4876% | 3,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8018% | 679 |
| Loan loss allowance to noncurrent loans | 77.8713% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.6639% | 639 |
| Noncurrent loans to loans | 2.3138% | 561 |
| Net loans and leases to total assets | 70.6178% | 2,446 |
| Net loans and leases to deposits | 92.3582% | 1,450 |
| Net loans and leases to core deposits | 100.0178% | 1,721 |
| Total domestic deposits to total assets | 76.4607% | 4,624 |
| Equity capital to assets | 10.1194% | 3,865 |
| Core capital (leverage) ratio | 10.0237% | 3,562 |
| Tier 1 risk-based capital ratio | 12.2733% | 4,255 |
| Total risk-based capital ratio | 13.5277% | 4,123 |
| Memoranda: | ||
| Average total assets | $141,582,000 | 3,472 |
| Average earning assets | $131,831,670 | 3,447 |
| Average equity | $13,826,000 | 3,811 |
| Average total loans | $101,435,330 | 3,266 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1347% | 1,032 |
| Cost of funding earning assets | 1.4627% | 371 |
| Net interest margin | 3.6720% | 3,000 |
| Noninterest income to average assets | 0.6981% | 1,622 |
| Noninterest expense to average assets | 2.9316% | 2,180 |
| Loan and lease loss provision to assets | 0.3150% | 399 |
| Net operating income to assets | 0.6981% | 3,939 |
| Return on assets (ROA) | 0.6981% | 3,981 |
| Pretax return on assets | 0.8713% | 3,854 |
| Return on Equity (ROE) | 7.2830% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.0691% | 2,432 |
| Net charge-offs to loans | 0.9843% | 143 |
| Credit loss provision to net charge-offs | 44.7581% | 2,005 |
| Earnings coverage of net charge-offs (x) | 1.6855% | 2,571 |
| Efficiency ratio | 71.1923% | 2,160 |
| Assets per employee ($millions) | 4.8453% | 2,720 |
| Cash dividends to net income (ytd only)* | 16.6667% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8316% | 665 |
| Loan loss allowance to noncurrent loans | 76.9263% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 1.7087% | 642 |
| Noncurrent loans to loans | 2.3810% | 561 |
| Net loans and leases to total assets | 70.4513% | 2,411 |
| Net loans and leases to deposits | 85.5085% | 2,188 |
| Net loans and leases to core deposits | 93.0666% | 2,203 |
| Total domestic deposits to total assets | 82.3911% | 3,619 |
| Equity capital to assets | 9.8581% | 3,960 |
| Core capital (leverage) ratio | 9.7693% | 3,845 |
| Tier 1 risk-based capital ratio | 12.3967% | 4,232 |
| Total risk-based capital ratio | 13.6516% | 4,096 |
| Memoranda: | ||
| Average total assets | $140,945,500 | 3,520 |
| Average earning assets | $131,265,000 | 3,498 |
| Average equity | $13,511,000 | 3,870 |
| Average total loans | $100,787,000 | 3,312 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1260% | 804 |
| Cost of funding earning assets | 1.2588% | 262 |
| Net interest margin | 3.8672% | 2,435 |
| Noninterest income to average assets | 0.5447% | 2,582 |
| Noninterest expense to average assets | 2.8305% | 2,582 |
| Loan and lease loss provision to assets | 0.2480% | 695 |
| Net operating income to assets | 0.8447% | 3,626 |
| Return on assets (ROA) | 0.8413% | 3,642 |
| Pretax return on assets | 1.0661% | 3,389 |
| Return on Equity (ROE) | 9.5349% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.3530% | 1,101 |
| Net charge-offs to loans | 0.1910% | 1,003 |
| Credit loss provision to net charge-offs | 179.5918% | 1,576 |
| Earnings coverage of net charge-offs (x) | 9.5459% | 2,803 |
| Efficiency ratio | 68.2235% | 2,499 |
| Assets per employee ($millions) | 5.4376% | 2,018 |
| Cash dividends to net income (ytd only)* | 12.3953% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9696% | 497 |
| Loan loss allowance to noncurrent loans | 73.3728% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.9126% | 517 |
| Noncurrent loans to loans | 2.6843% | 427 |
| Net loans and leases to total assets | 69.8480% | 2,585 |
| Net loans and leases to deposits | 86.3772% | 2,228 |
| Net loans and leases to core deposits | 96.8840% | 1,975 |
| Total domestic deposits to total assets | 80.8639% | 3,926 |
| Equity capital to assets | 9.3155% | 4,305 |
| Core capital (leverage) ratio | 9.5277% | 4,088 |
| Tier 1 risk-based capital ratio | 11.5580% | 4,695 |
| Total risk-based capital ratio | 12.8139% | 4,594 |
| Memoranda: | ||
| Average total assets | $141,916,400 | 3,476 |
| Average earning assets | $132,266,400 | 3,464 |
| Average equity | $12,522,400 | 3,954 |
| Average total loans | $102,601,000 | 3,250 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0103% | 928 |
| Cost of funding earning assets | 1.2040% | 252 |
| Net interest margin | 3.8063% | 2,623 |
| Noninterest income to average assets | 0.4993% | 2,872 |
| Noninterest expense to average assets | 2.8205% | 2,570 |
| Loan and lease loss provision to assets | 0.1924% | 920 |
| Net operating income to assets | 0.8213% | 3,838 |
| Return on assets (ROA) | 0.8213% | 3,851 |
| Pretax return on assets | 1.0381% | 3,616 |
| Return on Equity (ROE) | 9.4385% | 2,880 |
| Retained earnings to average equity (ytd only) | 8.2627% | 1,531 |
| Net charge-offs to loans | 0.2548% | 661 |
| Credit loss provision to net charge-offs | 104.0609% | 2,200 |
| Earnings coverage of net charge-offs (x) | 6.6548% | 2,869 |
| Efficiency ratio | 69.6247% | 2,253 |
| Assets per employee ($millions) | 5.2383% | 2,185 |
| Cash dividends to net income (ytd only)* | 12.4571% | 3,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7782% | 757 |
| Loan loss allowance to noncurrent loans | 67.8242% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.9140% | 577 |
| Noncurrent loans to loans | 2.6217% | 478 |
| Net loans and leases to total assets | 71.7062% | 2,372 |
| Net loans and leases to deposits | 87.2112% | 2,242 |
| Net loans and leases to core deposits | 97.7730% | 1,954 |
| Total domestic deposits to total assets | 82.2214% | 3,544 |
| Equity capital to assets | 8.8925% | 4,646 |
| Core capital (leverage) ratio | 9.3681% | 4,315 |
| Tier 1 risk-based capital ratio | 11.7834% | 4,613 |
| Total risk-based capital ratio | 13.0384% | 4,499 |
| Memoranda: | ||
| Average total assets | $142,051,250 | 3,515 |
| Average earning assets | $132,549,750 | 3,497 |
| Average equity | $12,360,500 | 4,013 |
| Average total loans | $103,068,000 | 3,275 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 757 |
| Cost of funding earning assets | 1.1427% | 238 |
| Net interest margin | 3.8932% | 2,223 |
| Noninterest income to average assets | 0.5005% | 2,867 |
| Noninterest expense to average assets | 2.7949% | 2,671 |
| Loan and lease loss provision to assets | 0.1617% | 1,153 |
| Net operating income to assets | 0.9251% | 3,343 |
| Return on assets (ROA) | 0.9251% | 3,344 |
| Pretax return on assets | 1.1796% | 3,009 |
| Return on Equity (ROE) | 10.7093% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.5701% | 1,046 |
| Net charge-offs to loans | 0.4058% | 384 |
| Credit loss provision to net charge-offs | 55.0239% | 2,460 |
| Earnings coverage of net charge-offs (x) | 4.5646% | 2,782 |
| Efficiency ratio | 67.5731% | 2,714 |
| Assets per employee ($millions) | 5.3225% | 2,079 |
| Cash dividends to net income (ytd only)* | 10.6383% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 71.5783% | 2,344 |
| Net loans and leases to deposits | 87.7364% | 2,143 |
| Net loans and leases to core deposits | 97.4691% | 1,927 |
| Total domestic deposits to total assets | 81.5834% | 3,848 |
| Equity capital to assets | 8.6871% | 4,812 |
| Core capital (leverage) ratio | 9.0574% | 4,636 |
| Tier 1 risk-based capital ratio | 11.4631% | 4,798 |
| Total risk-based capital ratio | 12.7169% | 4,704 |
| Memoranda: | ||
| Average total assets | $142,257,000 | 3,543 |
| Average earning assets | $132,848,330 | 3,517 |
| Average equity | $12,288,330 | 4,037 |
| Average total loans | $103,006,330 | 3,287 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9341% | 807 |
| Cost of funding earning assets | 1.0551% | 290 |
| Net interest margin | 3.8789% | 2,126 |
| Noninterest income to average assets | 0.4833% | 2,910 |
| Noninterest expense to average assets | 2.8403% | 2,567 |
| Loan and lease loss provision to assets | 0.1441% | 1,300 |
| Net operating income to assets | 0.8818% | 3,368 |
| Return on assets (ROA) | 0.8818% | 3,381 |
| Pretax return on assets | 1.1248% | 3,070 |
| Return on Equity (ROE) | 10.2375% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.1875% | 1,401 |
| Net charge-offs to loans | 0.8336% | 173 |
| Credit loss provision to net charge-offs | 23.9437% | 2,099 |
| Earnings coverage of net charge-offs (x) | 2.1080% | 2,492 |
| Efficiency ratio | 69.1197% | 2,643 |
| Assets per employee ($millions) | 5.2910% | 2,146 |
| Cash dividends to net income (ytd only)* | 10.2564% | 2,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 1,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 71.7629% | 2,210 |
| Net loans and leases to deposits | 87.9003% | 1,941 |
| Net loans and leases to core deposits | 98.7098% | 1,790 |
| Total domestic deposits to total assets | 81.6412% | 4,055 |
| Equity capital to assets | 8.5637% | 4,931 |
| Core capital (leverage) ratio | 8.9503% | 4,733 |
| Tier 1 risk-based capital ratio | 11.1619% | 5,046 |
| Total risk-based capital ratio | 12.4142% | 4,945 |
| Memoranda: | ||
| Average total assets | $141,532,000 | 3,582 |
| Average earning assets | $132,305,000 | 3,558 |
| Average equity | $12,190,500 | 4,087 |
| Average total loans | $102,211,000 | 3,322 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 747 |
| Cost of funding earning assets | 0.8136% | 578 |
| Net interest margin | 4.1155% | 1,386 |
| Noninterest income to average assets | 0.8139% | 1,517 |
| Noninterest expense to average assets | 3.1142% | 1,820 |
| Loan and lease loss provision to assets | 0.1637% | 1,355 |
| Net operating income to assets | 0.7270% | 3,487 |
| Return on assets (ROA) | 0.7188% | 3,566 |
| Pretax return on assets | 1.3410% | 2,210 |
| Return on Equity (ROE) | 7.7648% | 2,906 |
| Retained earnings to average equity (ytd only) | 6.7295% | 1,184 |
| Net charge-offs to loans | -0.1283% | 5,428 |
| Credit loss provision to net charge-offs | -173.7288% | 4,770 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2357% | 3,043 |
| Assets per employee ($millions) | 5.0074% | 2,465 |
| Cash dividends to net income (ytd only)* | 13.3333% | 3,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 748 |
| Loan loss allowance to noncurrent loans | 664.7273% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 4,156 |
| Noncurrent loans to loans | 0.2743% | 3,798 |
| Net loans and leases to total assets | 70.1889% | 2,497 |
| Net loans and leases to deposits | 90.8335% | 1,674 |
| Net loans and leases to core deposits | 101.3126% | 1,605 |
| Total domestic deposits to total assets | 77.2720% | 4,830 |
| Equity capital to assets | 8.6637% | 4,983 |
| Core capital (leverage) ratio | 9.1545% | 4,452 |
| Tier 1 risk-based capital ratio | 11.0104% | 5,141 |
| Total risk-based capital ratio | 12.2650% | 5,020 |
| Memoranda: | ||
| Average total assets | $125,200,800 | 3,815 |
| Average earning assets | $116,146,800 | 3,814 |
| Average equity | $11,590,800 | 4,208 |
| Average total loans | $91,951,800 | 3,493 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 705 |
| Cost of funding earning assets | 0.7788% | 658 |
| Net interest margin | 4.1558% | 1,265 |
| Noninterest income to average assets | 0.8574% | 1,404 |
| Noninterest expense to average assets | 3.2419% | 1,474 |
| Loan and lease loss provision to assets | 0.1757% | 1,148 |
| Net operating income to assets | 0.8315% | 3,380 |
| Return on assets (ROA) | 0.8201% | 3,479 |
| Pretax return on assets | 1.2713% | 2,621 |
| Return on Equity (ROE) | 8.6972% | 2,764 |
| Retained earnings to average equity (ytd only) | 7.6493% | 1,371 |
| Net charge-offs to loans | 0.0935% | 1,854 |
| Credit loss provision to net charge-offs | 253.9683% | 1,118 |
| Earnings coverage of net charge-offs (x) | 21.1740% | 1,924 |
| Efficiency ratio | 68.8827% | 2,727 |
| Assets per employee ($millions) | 4.4468% | 3,246 |
| Cash dividends to net income (ytd only)* | 12.0484% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 1,005 |
| Loan loss allowance to noncurrent loans | 12,323.0769% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 5,215 |
| Noncurrent loans to loans | 0.0139% | 5,082 |
| Net loans and leases to total assets | 71.2819% | 2,365 |
| Net loans and leases to deposits | 89.4619% | 1,876 |
| Net loans and leases to core deposits | 100.2235% | 1,687 |
| Total domestic deposits to total assets | 79.6785% | 4,399 |
| Equity capital to assets | 9.3659% | 4,578 |
| Core capital (leverage) ratio | 9.5559% | 4,085 |
| Tier 1 risk-based capital ratio | 11.9551% | 4,662 |
| Total risk-based capital ratio | 13.2100% | 4,534 |
| Memoranda: | ||
| Average total assets | $121,449,500 | 3,911 |
| Average earning assets | $112,483,000 | 3,914 |
| Average equity | $11,451,750 | 4,275 |
| Average total loans | $89,880,500 | 3,561 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 671 |
| Cost of funding earning assets | 0.7374% | 732 |
| Net interest margin | 4.1769% | 1,132 |
| Noninterest income to average assets | 0.9635% | 1,104 |
| Noninterest expense to average assets | 3.2485% | 1,479 |
| Loan and lease loss provision to assets | 0.1934% | 958 |
| Net operating income to assets | 0.8825% | 3,008 |
| Return on assets (ROA) | 0.8643% | 3,157 |
| Pretax return on assets | 1.3502% | 2,209 |
| Return on Equity (ROE) | 9.1435% | 2,443 |
| Retained earnings to average equity (ytd only) | 8.0761% | 1,130 |
| Net charge-offs to loans | 0.1218% | 1,432 |
| Credit loss provision to net charge-offs | 212.9630% | 1,216 |
| Earnings coverage of net charge-offs (x) | 17.3148% | 1,930 |
| Efficiency ratio | 67.3875% | 3,118 |
| Assets per employee ($millions) | 4.2835% | 3,462 |
| Cash dividends to net income (ytd only)* | 11.6732% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 1,021 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 5,186 |
| Noncurrent loans to loans | 0.0296% | 5,045 |
| Net loans and leases to total assets | 72.1070% | 2,183 |
| Net loans and leases to deposits | 90.1698% | 1,704 |
| Net loans and leases to core deposits | 101.1473% | 1,574 |
| Total domestic deposits to total assets | 79.9680% | 4,420 |
| Equity capital to assets | 9.4493% | 4,457 |
| Core capital (leverage) ratio | 9.5290% | 4,107 |
| Tier 1 risk-based capital ratio | 12.1671% | 4,512 |
| Total risk-based capital ratio | 13.4219% | 4,394 |
| Memoranda: | ||
| Average total assets | $118,947,000 | 3,977 |
| Average earning assets | $109,843,330 | 3,977 |
| Average equity | $11,243,000 | 4,318 |
| Average total loans | $88,665,670 | 3,604 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8489% | 683 |
| Cost of funding earning assets | 0.6927% | 871 |
| Net interest margin | 4.1562% | 1,078 |
| Noninterest income to average assets | 1.0042% | 999 |
| Noninterest expense to average assets | 3.2981% | 1,392 |
| Loan and lease loss provision to assets | 0.1548% | 1,180 |
| Net operating income to assets | 0.8665% | 2,917 |
| Return on assets (ROA) | 0.8357% | 3,107 |
| Pretax return on assets | 1.3412% | 2,093 |
| Return on Equity (ROE) | 8.8400% | 2,490 |
| Retained earnings to average equity (ytd only) | 7.7486% | 1,555 |
| Net charge-offs to loans | 0.2745% | 663 |
| Credit loss provision to net charge-offs | 75.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 7.4833% | 2,132 |
| Efficiency ratio | 68.1108% | 3,173 |
| Assets per employee ($millions) | 4.1172% | 3,813 |
| Cash dividends to net income (ytd only)* | 12.3457% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6607% | 1,224 |
| Loan loss allowance to noncurrent loans | 5,518.5185% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 5,241 |
| Noncurrent loans to loans | 0.0301% | 5,090 |
| Net loans and leases to total assets | 73.8961% | 1,763 |
| Net loans and leases to deposits | 93.3603% | 1,180 |
| Net loans and leases to core deposits | 104.0742% | 1,219 |
| Total domestic deposits to total assets | 79.1516% | 4,794 |
| Equity capital to assets | 9.3367% | 4,456 |
| Core capital (leverage) ratio | 9.5812% | 4,026 |
| Tier 1 risk-based capital ratio | 11.9208% | 4,772 |
| Total risk-based capital ratio | 13.1747% | 4,670 |
| Memoranda: | ||
| Average total assets | $116,310,000 | 4,056 |
| Average earning assets | $107,406,000 | 4,057 |
| Average equity | $10,995,500 | 4,388 |
| Average total loans | $87,429,500 | 3,659 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9348% | 679 |
| Cost of funding earning assets | 0.6143% | 1,242 |
| Net interest margin | 4.3205% | 902 |
| Noninterest income to average assets | 1.6769% | 427 |
| Noninterest expense to average assets | 3.4826% | 1,201 |
| Loan and lease loss provision to assets | 0.3175% | 582 |
| Net operating income to assets | 1.1623% | 1,638 |
| Return on assets (ROA) | 1.1677% | 1,711 |
| Pretax return on assets | 1.8235% | 751 |
| Return on Equity (ROE) | 12.0087% | 1,243 |
| Retained earnings to average equity (ytd only) | 11.0040% | 305 |
| Net charge-offs to loans | -0.0693% | 5,478 |
| Credit loss provision to net charge-offs | -614.5455% | 5,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0211% | 4,242 |
| Assets per employee ($millions) | 4.0436% | 3,885 |
| Cash dividends to net income (ytd only)* | 8.3669% | 4,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 1,006 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 73.8668% | 1,869 |
| Net loans and leases to deposits | 97.5812% | 858 |
| Net loans and leases to core deposits | 112.8104% | 740 |
| Total domestic deposits to total assets | 75.6978% | 5,271 |
| Equity capital to assets | 9.5769% | 4,192 |
| Core capital (leverage) ratio | 10.0001% | 3,482 |
| Tier 1 risk-based capital ratio | 12.9683% | 4,099 |
| Total risk-based capital ratio | 14.2254% | 3,998 |
| Memoranda: | ||
| Average total assets | $106,444,200 | 4,232 |
| Average earning assets | $97,026,000 | 4,254 |
| Average equity | $10,350,800 | 4,514 |
| Average total loans | $79,380,600 | 3,811 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 687 |
| Cost of funding earning assets | 0.6163% | 1,231 |
| Net interest margin | 4.3127% | 905 |
| Noninterest income to average assets | 1.7705% | 412 |
| Noninterest expense to average assets | 3.5016% | 1,146 |
| Loan and lease loss provision to assets | 0.2393% | 807 |
| Net operating income to assets | 1.2464% | 1,468 |
| Return on assets (ROA) | 1.2537% | 1,546 |
| Pretax return on assets | 1.9602% | 629 |
| Return on Equity (ROE) | 12.8406% | 1,101 |
| Retained earnings to average equity (ytd only) | 11.8628% | 323 |
| Net charge-offs to loans | -0.0890% | 5,534 |
| Credit loss provision to net charge-offs | -361.5385% | 4,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5436% | 4,307 |
| Assets per employee ($millions) | 4.0590% | 3,857 |
| Cash dividends to net income (ytd only)* | 7.6144% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 1,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 74.6304% | 1,769 |
| Net loans and leases to deposits | 99.3851% | 743 |
| Net loans and leases to core deposits | 105.8442% | 1,196 |
| Total domestic deposits to total assets | 75.0922% | 5,328 |
| Equity capital to assets | 9.9341% | 4,200 |
| Core capital (leverage) ratio | 9.4233% | 4,296 |
| Tier 1 risk-based capital ratio | 12.6707% | 4,357 |
| Total risk-based capital ratio | 13.9255% | 4,260 |
| Memoranda: | ||
| Average total assets | $104,750,250 | 4,304 |
| Average earning assets | $95,188,250 | 4,324 |
| Average equity | $10,227,750 | 4,578 |
| Average total loans | $77,941,500 | 3,877 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 892 |
| Cost of funding earning assets | 0.6068% | 1,269 |
| Net interest margin | 4.1896% | 1,140 |
| Noninterest income to average assets | 0.6923% | 2,179 |
| Noninterest expense to average assets | 3.4498% | 1,263 |
| Loan and lease loss provision to assets | 0.1454% | 1,577 |
| Net operating income to assets | 0.5818% | 4,344 |
| Return on assets (ROA) | 0.5818% | 4,468 |
| Pretax return on assets | 0.8998% | 3,954 |
| Return on Equity (ROE) | 5.9952% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.0959% | 2,663 |
| Net charge-offs to loans | -0.0341% | 5,191 |
| Credit loss provision to net charge-offs | -576.9231% | 4,964 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7472% | 1,971 |
| Assets per employee ($millions) | 4.0118% | 3,880 |
| Cash dividends to net income (ytd only)* | 15.0000% | 3,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 1,929 |
| Loan loss allowance to noncurrent loans | 303.7975% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3647% | 4,025 |
| Noncurrent loans to loans | 0.4881% | 3,623 |
| Net loans and leases to total assets | 73.6046% | 1,916 |
| Net loans and leases to deposits | 95.5650% | 1,120 |
| Net loans and leases to core deposits | 105.7317% | 1,198 |
| Total domestic deposits to total assets | 77.0204% | 5,159 |
| Equity capital to assets | 9.4186% | 4,853 |
| Core capital (leverage) ratio | 8.6739% | 5,194 |
| Tier 1 risk-based capital ratio | 11.3364% | 5,257 |
| Total risk-based capital ratio | 12.5925% | 5,149 |
| Memoranda: | ||
| Average total assets | $103,136,330 | 4,364 |
| Average earning assets | $93,612,000 | 4,392 |
| Average equity | $10,008,000 | 4,638 |
| Average total loans | $76,208,330 | 3,947 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7804% | 892 |
| Cost of funding earning assets | 0.5981% | 1,348 |
| Net interest margin | 4.1823% | 1,140 |
| Noninterest income to average assets | 0.6007% | 2,526 |
| Noninterest expense to average assets | 3.4532% | 1,277 |
| Loan and lease loss provision to assets | 0.1512% | 1,405 |
| Net operating income to assets | 0.5013% | 4,624 |
| Return on assets (ROA) | 0.5013% | 4,723 |
| Pretax return on assets | 0.7797% | 4,269 |
| Return on Equity (ROE) | 5.0853% | 4,442 |
| Retained earnings to average equity (ytd only) | 3.8745% | 3,562 |
| Net charge-offs to loans | -0.0704% | 5,497 |
| Credit loss provision to net charge-offs | -292.3077% | 4,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7659% | 1,790 |
| Assets per employee ($millions) | 4.2011% | 3,589 |
| Cash dividends to net income (ytd only)* | 23.8095% | 2,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5182% | 1,906 |
| Loan loss allowance to noncurrent loans | 287.8713% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3847% | 4,051 |
| Noncurrent loans to loans | 0.5274% | 3,607 |
| Net loans and leases to total assets | 71.8311% | 2,071 |
| Net loans and leases to deposits | 93.5494% | 1,185 |
| Net loans and leases to core deposits | 101.1517% | 1,398 |
| Total domestic deposits to total assets | 76.7841% | 5,320 |
| Equity capital to assets | 9.5252% | 4,643 |
| Core capital (leverage) ratio | 9.0818% | 4,756 |
| Tier 1 risk-based capital ratio | 11.8685% | 4,996 |
| Total risk-based capital ratio | 13.1266% | 4,898 |
| Memoranda: | ||
| Average total assets | $100,545,500 | 4,457 |
| Average earning assets | $90,954,500 | 4,481 |
| Average equity | $9,911,000 | 4,674 |
| Average total loans | $73,849,000 | 4,026 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 767 |
| Cost of funding earning assets | 0.5599% | 1,678 |
| Net interest margin | 4.3395% | 887 |
| Noninterest income to average assets | 0.8946% | 1,456 |
| Noninterest expense to average assets | 3.4565% | 1,376 |
| Loan and lease loss provision to assets | 0.0333% | 3,694 |
| Net operating income to assets | 0.8656% | 3,043 |
| Return on assets (ROA) | 0.8858% | 3,036 |
| Pretax return on assets | 1.2620% | 2,425 |
| Return on Equity (ROE) | 8.4261% | 2,744 |
| Retained earnings to average equity (ytd only) | 8.1093% | 874 |
| Net charge-offs to loans | -0.0330% | 5,428 |
| Credit loss provision to net charge-offs | -136.3636% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1845% | 2,717 |
| Assets per employee ($millions) | 4.1767% | 3,615 |
| Cash dividends to net income (ytd only)* | 3.7594% | 4,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5641% | 1,740 |
| Loan loss allowance to noncurrent loans | 282.2335% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4101% | 3,959 |
| Noncurrent loans to loans | 0.5542% | 3,509 |
| Net loans and leases to total assets | 72.8483% | 1,912 |
| Net loans and leases to deposits | 96.0934% | 998 |
| Net loans and leases to core deposits | 102.6461% | 1,318 |
| Total domestic deposits to total assets | 75.8099% | 5,466 |
| Equity capital to assets | 10.2203% | 3,717 |
| Core capital (leverage) ratio | 9.7821% | 3,797 |
| Tier 1 risk-based capital ratio | 13.5128% | 3,999 |
| Total risk-based capital ratio | 14.7718% | 3,929 |
| Memoranda: | ||
| Average total assets | $90,091,800 | 4,672 |
| Average earning assets | $79,478,800 | 4,728 |
| Average equity | $9,470,600 | 4,755 |
| Average total loans | $66,730,800 | 4,177 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 756 |
| Cost of funding earning assets | 0.5648% | 1,669 |
| Net interest margin | 4.3432% | 884 |
| Noninterest income to average assets | 0.6892% | 2,283 |
| Noninterest expense to average assets | 3.4958% | 1,292 |
| Loan and lease loss provision to assets | 0.0346% | 3,532 |
| Net operating income to assets | 0.7242% | 3,794 |
| Return on assets (ROA) | 0.7253% | 3,892 |
| Pretax return on assets | 0.9676% | 3,752 |
| Return on Equity (ROE) | 6.8485% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.8485% | 1,761 |
| Net charge-offs to loans | -0.0203% | 5,218 |
| Credit loss provision to net charge-offs | -230.0000% | 5,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7443% | 1,977 |
| Assets per employee ($millions) | 3.8585% | 4,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6521% | 1,603 |
| Loan loss allowance to noncurrent loans | 277.4112% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.5939% | 3,495 |
| Noncurrent loans to loans | 0.5956% | 3,542 |
| Net loans and leases to total assets | 70.2597% | 2,351 |
| Net loans and leases to deposits | 93.1975% | 1,284 |
| Net loans and leases to core deposits | 100.0738% | 1,509 |
| Total domestic deposits to total assets | 75.3879% | 5,588 |
| Equity capital to assets | 10.3839% | 3,727 |
| Core capital (leverage) ratio | 10.1412% | 3,450 |
| Tier 1 risk-based capital ratio | 14.5430% | 3,540 |
| Total risk-based capital ratio | 15.8047% | 3,454 |
| Memoranda: | ||
| Average total assets | $88,598,750 | 4,761 |
| Average earning assets | $77,667,250 | 4,825 |
| Average equity | $9,383,750 | 4,830 |
| Average total loans | $65,640,250 | 4,256 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9484% | 654 |
| Cost of funding earning assets | 0.5693% | 1,649 |
| Net interest margin | 4.3790% | 788 |
| Noninterest income to average assets | 0.8068% | 1,749 |
| Noninterest expense to average assets | 3.5914% | 1,146 |
| Loan and lease loss provision to assets | 0.0344% | 3,425 |
| Net operating income to assets | 0.8003% | 3,386 |
| Return on assets (ROA) | 0.8022% | 3,468 |
| Pretax return on assets | 1.0084% | 3,550 |
| Return on Equity (ROE) | 7.5218% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.5218% | 1,463 |
| Net charge-offs to loans | -0.1161% | 5,839 |
| Credit loss provision to net charge-offs | -39.4737% | 4,791 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5359% | 2,135 |
| Assets per employee ($millions) | 3.3560% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7029% | 1,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 2,904 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 73.6282% | 1,721 |
| Net loans and leases to deposits | 92.5507% | 1,312 |
| Net loans and leases to core deposits | 99.6510% | 1,520 |
| Total domestic deposits to total assets | 79.5544% | 4,969 |
| Equity capital to assets | 10.7970% | 3,108 |
| Core capital (leverage) ratio | 10.1144% | 3,444 |
| Tier 1 risk-based capital ratio | 14.6768% | 3,540 |
| Total risk-based capital ratio | 15.9343% | 3,465 |
| Memoranda: | ||
| Average total assets | $87,263,330 | 4,829 |
| Average earning assets | $76,227,330 | 4,916 |
| Average equity | $9,306,330 | 4,881 |
| Average total loans | $65,468,000 | 4,295 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9345% | 645 |
| Cost of funding earning assets | 0.5547% | 1,801 |
| Net interest margin | 4.3797% | 765 |
| Noninterest income to average assets | 0.7609% | 1,859 |
| Noninterest expense to average assets | 3.5248% | 1,259 |
| Loan and lease loss provision to assets | 0.0321% | 3,246 |
| Net operating income to assets | 0.9488% | 2,517 |
| Return on assets (ROA) | 0.9488% | 2,650 |
| Pretax return on assets | 1.0038% | 3,484 |
| Return on Equity (ROE) | 8.9523% | 2,465 |
| Retained earnings to average equity (ytd only) | 8.9523% | 1,210 |
| Net charge-offs to loans | -0.1404% | 5,959 |
| Credit loss provision to net charge-offs | -30.4348% | 4,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2864% | 2,299 |
| Assets per employee ($millions) | 3.6320% | 4,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 1,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.3047% | 970 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 74.3131% | 1,453 |
| Net loans and leases to deposits | 96.1312% | 822 |
| Net loans and leases to core deposits | 102.9873% | 1,118 |
| Total domestic deposits to total assets | 77.3039% | 5,568 |
| Equity capital to assets | 10.7481% | 3,266 |
| Core capital (leverage) ratio | 10.1052% | 3,466 |
| Tier 1 risk-based capital ratio | 13.9453% | 4,061 |
| Total risk-based capital ratio | 15.2003% | 3,980 |
| Memoranda: | ||
| Average total assets | $87,267,000 | 4,875 |
| Average earning assets | $75,712,500 | 4,977 |
| Average equity | $9,249,000 | 4,929 |
| Average total loans | $65,523,000 | 4,307 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2146% | 510 |
| Cost of funding earning assets | 0.6041% | 1,727 |
| Net interest margin | 4.6105% | 607 |
| Noninterest income to average assets | 0.6754% | 2,431 |
| Noninterest expense to average assets | 3.7060% | 1,137 |
| Loan and lease loss provision to assets | 0.1210% | 2,157 |
| Net operating income to assets | 0.4853% | 4,869 |
| Return on assets (ROA) | 0.5325% | 4,758 |
| Pretax return on assets | 0.8388% | 4,118 |
| Return on Equity (ROE) | 5.2321% | 4,543 |
| Retained earnings to average equity (ytd only) | 5.2321% | 2,446 |
| Net charge-offs to loans | 0.0379% | 4,076 |
| Credit loss provision to net charge-offs | 434.7826% | 598 |
| Earnings coverage of net charge-offs (x) | 31.8261% | 1,275 |
| Efficiency ratio | 80.7064% | 1,819 |
| Assets per employee ($millions) | 3.7985% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6263% | 2,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.5571% | 891 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 73.3909% | 1,688 |
| Net loans and leases to deposits | 93.8248% | 1,090 |
| Net loans and leases to core deposits | 101.1660% | 1,307 |
| Total domestic deposits to total assets | 78.2213% | 5,390 |
| Equity capital to assets | 10.4493% | 3,547 |
| Core capital (leverage) ratio | 9.4373% | 4,329 |
| Tier 1 risk-based capital ratio | 12.4561% | 5,058 |
| Total risk-based capital ratio | 13.7107% | 4,979 |
| Memoranda: | ||
| Average total assets | $82,622,600 | 5,000 |
| Average earning assets | $70,187,200 | 5,120 |
| Average equity | $8,409,600 | 5,104 |
| Average total loans | $60,689,400 | 4,467 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 460 |
| Cost of funding earning assets | 0.6180% | 1,693 |
| Net interest margin | 4.6518% | 560 |
| Noninterest income to average assets | 0.4715% | 3,733 |
| Noninterest expense to average assets | 3.7410% | 1,058 |
| Loan and lease loss provision to assets | 0.1146% | 2,140 |
| Net operating income to assets | 0.3421% | 5,456 |
| Return on assets (ROA) | 0.4060% | 5,303 |
| Pretax return on assets | 0.6467% | 4,888 |
| Return on Equity (ROE) | 4.0179% | 5,159 |
| Retained earnings to average equity (ytd only) | 4.0179% | 3,787 |
| Net charge-offs to loans | 0.0649% | 3,274 |
| Credit loss provision to net charge-offs | 241.3793% | 1,089 |
| Earnings coverage of net charge-offs (x) | 13.9294% | 2,181 |
| Efficiency ratio | 84.9758% | 1,288 |
| Assets per employee ($millions) | 3.4391% | 4,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6439% | 2,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.2494% | 690 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 74.2301% | 1,488 |
| Net loans and leases to deposits | 89.3927% | 1,491 |
| Net loans and leases to core deposits | 96.0253% | 1,672 |
| Total domestic deposits to total assets | 83.0381% | 4,130 |
| Equity capital to assets | 10.1674% | 3,969 |
| Core capital (leverage) ratio | 8.7151% | 5,417 |
| Tier 1 risk-based capital ratio | 11.5060% | 5,787 |
| Total risk-based capital ratio | 12.7620% | 5,713 |
| Memoranda: | ||
| Average total assets | $81,437,000 | 5,080 |
| Average earning assets | $68,817,500 | 5,211 |
| Average equity | $8,229,750 | 5,185 |
| Average total loans | $59,567,250 | 4,541 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3112% | 427 |
| Cost of funding earning assets | 0.6248% | 1,685 |
| Net interest margin | 4.6863% | 502 |
| Noninterest income to average assets | 0.3725% | 4,454 |
| Noninterest expense to average assets | 3.7671% | 1,018 |
| Loan and lease loss provision to assets | 0.0987% | 2,382 |
| Net operating income to assets | 0.2702% | 5,667 |
| Return on assets (ROA) | 0.3207% | 5,573 |
| Pretax return on assets | 0.5082% | 5,257 |
| Return on Equity (ROE) | 3.1802% | 5,466 |
| Retained earnings to average equity (ytd only) | 3.1802% | 4,176 |
| Net charge-offs to loans | 0.0682% | 3,025 |
| Credit loss provision to net charge-offs | 200.0000% | 1,157 |
| Earnings coverage of net charge-offs (x) | 10.7000% | 2,225 |
| Efficiency ratio | 87.7082% | 1,111 |
| Assets per employee ($millions) | 3.3730% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6147% | 2,409 |
| Loan loss allowance to noncurrent loans | 2,089.5833% | 278 |
| Noncurrent assets plus other real estate owned to assets | 3.8245% | 583 |
| Noncurrent loans to loans | 0.0773% | 5,790 |
| Net loans and leases to total assets | 72.4744% | 1,653 |
| Net loans and leases to deposits | 87.4456% | 1,663 |
| Net loans and leases to core deposits | 93.7518% | 1,797 |
| Total domestic deposits to total assets | 82.8793% | 4,354 |
| Equity capital to assets | 9.8452% | 4,298 |
| Core capital (leverage) ratio | 8.4784% | 5,653 |
| Tier 1 risk-based capital ratio | 10.9359% | 6,074 |
| Total risk-based capital ratio | 12.1900% | 6,017 |
| Memoranda: | ||
| Average total assets | $81,070,000 | 5,139 |
| Average earning assets | $67,856,670 | 5,273 |
| Average equity | $8,175,670 | 5,219 |
| Average total loans | $58,659,000 | 4,591 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0031% | 712 |
| Cost of funding earning assets | 0.6352% | 1,684 |
| Net interest margin | 4.3678% | 863 |
| Noninterest income to average assets | -0.1309% | 6,670 |
| Noninterest expense to average assets | 3.9274% | 825 |
| Loan and lease loss provision to assets | 0.0755% | 2,629 |
| Net operating income to assets | -0.3172% | 6,409 |
| Return on assets (ROA) | -0.3172% | 6,409 |
| Pretax return on assets | -0.4985% | 6,454 |
| Return on Equity (ROE) | -3.1063% | 6,410 |
| Retained earnings to average equity (ytd only) | -3.1063% | 5,975 |
| Net charge-offs to loans | 0.0703% | 2,446 |
| Credit loss provision to net charge-offs | 150.0000% | 1,254 |
| Earnings coverage of net charge-offs (x) | -8.4000% | 3,594 |
| Efficiency ratio | 112.0690% | 244 |
| Assets per employee ($millions) | 3.2093% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7079% | 2,324 |
| Loan loss allowance to noncurrent loans | 681.3793% | 724 |
| Noncurrent assets plus other real estate owned to assets | 6.3541% | 260 |
| Noncurrent loans to loans | 0.2507% | 5,352 |
| Net loans and leases to total assets | 70.8695% | 1,744 |
| Net loans and leases to deposits | 86.3766% | 1,549 |
| Net loans and leases to core deposits | 93.5551% | 1,590 |
| Total domestic deposits to total assets | 82.0471% | 4,934 |
| Equity capital to assets | 10.0870% | 3,740 |
| Core capital (leverage) ratio | 8.4111% | 5,736 |
| Tier 1 risk-based capital ratio | 10.6181% | 6,299 |
| Total risk-based capital ratio | 11.8722% | 6,266 |
| Memoranda: | ||
| Average total assets | $79,442,500 | 5,217 |
| Average earning assets | $66,119,500 | 5,374 |
| Average equity | $8,112,500 | 5,258 |
| Average total loans | $56,930,000 | 4,687 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0555% | 823 |
| Cost of funding earning assets | 0.7422% | 1,550 |
| Net interest margin | 4.3133% | 1,076 |
| Noninterest income to average assets | 0.8326% | 1,926 |
| Noninterest expense to average assets | 3.9012% | 991 |
| Loan and lease loss provision to assets | 0.1518% | 2,380 |
| Net operating income to assets | 0.2083% | 5,801 |
| Return on assets (ROA) | 0.2164% | 5,842 |
| Pretax return on assets | 0.3442% | 5,616 |
| Return on Equity (ROE) | 2.0831% | 5,813 |
| Retained earnings to average equity (ytd only) | 2.0831% | 4,754 |
| Net charge-offs to loans | 0.6471% | 1,002 |
| Credit loss provision to net charge-offs | 33.8983% | 4,165 |
| Earnings coverage of net charge-offs (x) | 1.0791% | 4,719 |
| Efficiency ratio | 88.9755% | 1,109 |
| Assets per employee ($millions) | 3.2772% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7550% | 2,216 |
| Loan loss allowance to noncurrent loans | 69.7163% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 7.0449% | 238 |
| Noncurrent loans to loans | 2.5173% | 1,495 |
| Net loans and leases to total assets | 69.9643% | 2,015 |
| Net loans and leases to deposits | 81.7060% | 2,218 |
| Net loans and leases to core deposits | 87.9746% | 2,249 |
| Total domestic deposits to total assets | 85.6293% | 3,445 |
| Equity capital to assets | 10.3391% | 3,352 |
| Core capital (leverage) ratio | 8.6716% | 5,447 |
| Tier 1 risk-based capital ratio | 11.3254% | 6,011 |
| Total risk-based capital ratio | 12.5801% | 5,938 |
| Memoranda: | ||
| Average total assets | $79,027,000 | 5,262 |
| Average earning assets | $65,077,200 | 5,432 |
| Average equity | $8,209,000 | 5,286 |
| Average total loans | $54,707,400 | 4,791 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 779 |
| Cost of funding earning assets | 0.7663% | 1,509 |
| Net interest margin | 4.3264% | 1,032 |
| Noninterest income to average assets | 0.9386% | 1,640 |
| Noninterest expense to average assets | 3.9011% | 966 |
| Loan and lease loss provision to assets | 0.1517% | 2,372 |
| Net operating income to assets | 0.2723% | 5,701 |
| Return on assets (ROA) | 0.2831% | 5,778 |
| Pretax return on assets | 0.4516% | 5,495 |
| Return on Equity (ROE) | 2.7222% | 5,706 |
| Retained earnings to average equity (ytd only) | 2.7222% | 4,694 |
| Net charge-offs to loans | 0.6448% | 949 |
| Credit loss provision to net charge-offs | 34.2205% | 3,818 |
| Earnings coverage of net charge-offs (x) | 1.3232% | 4,397 |
| Efficiency ratio | 86.9320% | 1,267 |
| Assets per employee ($millions) | 3.7280% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9064% | 1,989 |
| Loan loss allowance to noncurrent loans | 91.9014% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 7.2284% | 270 |
| Noncurrent loans to loans | 2.0744% | 2,162 |
| Net loans and leases to total assets | 68.6184% | 2,212 |
| Net loans and leases to deposits | 80.2978% | 2,366 |
| Net loans and leases to core deposits | 86.1505% | 2,391 |
| Total domestic deposits to total assets | 85.4550% | 3,519 |
| Equity capital to assets | 10.4320% | 3,360 |
| Core capital (leverage) ratio | 8.4745% | 5,796 |
| Tier 1 risk-based capital ratio | 11.0806% | 6,242 |
| Total risk-based capital ratio | 12.3377% | 6,208 |
| Memoranda: | ||
| Average total assets | $79,120,500 | 5,311 |
| Average earning assets | $64,901,500 | 5,493 |
| Average equity | $8,228,250 | 5,331 |
| Average total loans | $54,381,250 | 4,840 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1185% | 746 |
| Cost of funding earning assets | 0.7910% | 1,463 |
| Net interest margin | 4.3275% | 983 |
| Noninterest income to average assets | 1.1386% | 1,175 |
| Noninterest expense to average assets | 3.9850% | 881 |
| Loan and lease loss provision to assets | 0.1511% | 2,432 |
| Net operating income to assets | 0.3426% | 5,432 |
| Return on assets (ROA) | 0.3426% | 5,604 |
| Pretax return on assets | 0.5441% | 5,221 |
| Return on Equity (ROE) | 3.2975% | 5,503 |
| Retained earnings to average equity (ytd only) | 1.8427% | 5,096 |
| Net charge-offs to loans | 0.6635% | 989 |
| Credit loss provision to net charge-offs | 33.3333% | 3,530 |
| Earnings coverage of net charge-offs (x) | 1.5333% | 4,022 |
| Efficiency ratio | 85.1453% | 1,507 |
| Assets per employee ($millions) | 3.5309% | 4,787 |
| Cash dividends to net income (ytd only)* | 44.1176% | 2,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 1,816 |
| Loan loss allowance to noncurrent loans | 88.3253% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 8.7114% | 204 |
| Noncurrent loans to loans | 2.2822% | 2,078 |
| Net loans and leases to total assets | 68.6470% | 2,114 |
| Net loans and leases to deposits | 80.4966% | 2,256 |
| Net loans and leases to core deposits | 86.4235% | 2,296 |
| Total domestic deposits to total assets | 85.2794% | 3,752 |
| Equity capital to assets | 10.5986% | 3,174 |
| Core capital (leverage) ratio | 8.2700% | 5,925 |
| Tier 1 risk-based capital ratio | 11.0961% | 6,292 |
| Total risk-based capital ratio | 12.3541% | 6,266 |
| Memoranda: | ||
| Average total assets | $79,398,000 | 5,338 |
| Average earning assets | $64,980,330 | 5,531 |
| Average equity | $8,248,670 | 5,371 |
| Average total loans | $54,253,670 | 4,873 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 1,108 |
| Cost of funding earning assets | 0.7747% | 1,681 |
| Net interest margin | 4.1174% | 1,411 |
| Noninterest income to average assets | 0.9769% | 1,530 |
| Noninterest expense to average assets | 3.7430% | 1,183 |
| Loan and lease loss provision to assets | 0.1495% | 2,382 |
| Net operating income to assets | 0.2791% | 5,635 |
| Return on assets (ROA) | 0.2791% | 5,753 |
| Pretax return on assets | 0.4486% | 5,417 |
| Return on Equity (ROE) | 2.7130% | 5,702 |
| Retained earnings to average equity (ytd only) | -0.1938% | 5,814 |
| Net charge-offs to loans | 1.6393% | 313 |
| Credit loss provision to net charge-offs | 13.5135% | 3,113 |
| Earnings coverage of net charge-offs (x) | 0.5405% | 3,641 |
| Efficiency ratio | 86.2227% | 1,483 |
| Assets per employee ($millions) | 3.6377% | 4,708 |
| Cash dividends to net income (ytd only)* | 107.1429% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 2,344 |
| Loan loss allowance to noncurrent loans | 70.7384% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 10.2088% | 181 |
| Noncurrent loans to loans | 2.6670% | 1,926 |
| Net loans and leases to total assets | 66.6071% | 2,265 |
| Net loans and leases to deposits | 77.7608% | 2,371 |
| Net loans and leases to core deposits | 82.9844% | 2,461 |
| Total domestic deposits to total assets | 85.6564% | 3,705 |
| Equity capital to assets | 10.2913% | 3,807 |
| Core capital (leverage) ratio | 8.5452% | 5,516 |
| Tier 1 risk-based capital ratio | 10.7100% | 6,519 |
| Total risk-based capital ratio | 11.9656% | 6,479 |
| Memoranda: | ||
| Average total assets | $80,257,000 | 5,361 |
| Average earning assets | $65,575,500 | 5,560 |
| Average equity | $8,256,500 | 5,420 |
| Average total loans | $54,169,500 | 4,913 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 912 |
| Cost of funding earning assets | 0.9000% | 1,936 |
| Net interest margin | 4.4091% | 1,144 |
| Noninterest income to average assets | 0.8135% | 2,202 |
| Noninterest expense to average assets | 3.8591% | 1,154 |
| Loan and lease loss provision to assets | 0.1841% | 3,336 |
| Net operating income to assets | 0.2517% | 5,630 |
| Return on assets (ROA) | 0.3239% | 5,599 |
| Pretax return on assets | 0.5141% | 5,238 |
| Return on Equity (ROE) | 3.2376% | 5,455 |
| Retained earnings to average equity (ytd only) | 3.2376% | 3,940 |
| Net charge-offs to loans | 0.1243% | 4,436 |
| Credit loss provision to net charge-offs | 217.3913% | 1,162 |
| Earnings coverage of net charge-offs (x) | 6.9130% | 2,712 |
| Efficiency ratio | 86.8305% | 1,345 |
| Assets per employee ($millions) | 3.6584% | 4,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2515% | 1,454 |
| Loan loss allowance to noncurrent loans | 50.0412% | 5,128 |
| Noncurrent assets plus other real estate owned to assets | 10.4355% | 199 |
| Noncurrent loans to loans | 4.4993% | 948 |
| Net loans and leases to total assets | 65.5936% | 2,591 |
| Net loans and leases to deposits | 76.5105% | 2,717 |
| Net loans and leases to core deposits | 81.6117% | 2,809 |
| Total domestic deposits to total assets | 85.7315% | 3,499 |
| Equity capital to assets | 10.2839% | 3,781 |
| Core capital (leverage) ratio | 8.2085% | 5,988 |
| Tier 1 risk-based capital ratio | 10.6749% | 6,487 |
| Total risk-based capital ratio | 11.9338% | 6,447 |
| Memoranda: | ||
| Average total assets | $81,494,800 | 5,314 |
| Average earning assets | $67,111,800 | 5,516 |
| Average equity | $8,154,200 | 5,457 |
| Average total loans | $55,528,400 | 4,881 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3599% | 903 |
| Cost of funding earning assets | 0.9263% | 2,005 |
| Net interest margin | 4.4336% | 1,128 |
| Noninterest income to average assets | 0.7894% | 2,283 |
| Noninterest expense to average assets | 3.8802% | 1,091 |
| Loan and lease loss provision to assets | 0.1827% | 3,309 |
| Net operating income to assets | 0.2388% | 5,811 |
| Return on assets (ROA) | 0.2952% | 5,831 |
| Pretax return on assets | 0.4681% | 5,547 |
| Return on Equity (ROE) | 2.9708% | 5,690 |
| Retained earnings to average equity (ytd only) | 2.9708% | 4,774 |
| Net charge-offs to loans | 0.1765% | 3,700 |
| Credit loss provision to net charge-offs | 151.3514% | 1,865 |
| Earnings coverage of net charge-offs (x) | 4.6624% | 3,235 |
| Efficiency ratio | 87.3348% | 1,267 |
| Assets per employee ($millions) | 3.9216% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0931% | 1,922 |
| Loan loss allowance to noncurrent loans | 76.1194% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 8.6032% | 331 |
| Noncurrent loans to loans | 2.7497% | 2,061 |
| Net loans and leases to total assets | 66.6266% | 2,534 |
| Net loans and leases to deposits | 77.3904% | 2,749 |
| Net loans and leases to core deposits | 83.6583% | 2,736 |
| Total domestic deposits to total assets | 86.0916% | 3,201 |
| Equity capital to assets | 9.9972% | 4,496 |
| Core capital (leverage) ratio | 7.9016% | 6,398 |
| Tier 1 risk-based capital ratio | 10.3090% | 6,727 |
| Total risk-based capital ratio | 11.5674% | 6,696 |
| Memoranda: | ||
| Average total assets | $81,747,250 | 5,359 |
| Average earning assets | $67,362,500 | 5,568 |
| Average equity | $8,123,500 | 5,518 |
| Average total loans | $55,908,250 | 4,922 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4052% | 864 |
| Cost of funding earning assets | 0.9660% | 1,957 |
| Net interest margin | 4.4392% | 1,109 |
| Noninterest income to average assets | 0.6916% | 2,713 |
| Noninterest expense to average assets | 3.8236% | 1,176 |
| Loan and lease loss provision to assets | 0.1839% | 3,264 |
| Net operating income to assets | 0.2060% | 5,893 |
| Return on assets (ROA) | 0.2060% | 6,080 |
| Pretax return on assets | 0.3360% | 5,873 |
| Return on Equity (ROE) | 2.0774% | 6,021 |
| Retained earnings to average equity (ytd only) | 2.0774% | 5,161 |
| Net charge-offs to loans | -0.1468% | 6,937 |
| Credit loss provision to net charge-offs | -182.9268% | 6,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0294% | 1,233 |
| Assets per employee ($millions) | 3.5530% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1805% | 1,817 |
| Loan loss allowance to noncurrent loans | 69.1542% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 9.0494% | 335 |
| Noncurrent loans to loans | 3.1531% | 1,850 |
| Net loans and leases to total assets | 68.6764% | 2,169 |
| Net loans and leases to deposits | 81.9344% | 2,122 |
| Net loans and leases to core deposits | 88.4673% | 2,153 |
| Total domestic deposits to total assets | 83.8187% | 4,391 |
| Equity capital to assets | 9.9611% | 4,399 |
| Core capital (leverage) ratio | 8.1288% | 6,123 |
| Tier 1 risk-based capital ratio | 10.1012% | 6,799 |
| Total risk-based capital ratio | 11.3611% | 6,779 |
| Memoranda: | ||
| Average total assets | $81,545,330 | 5,395 |
| Average earning assets | $67,083,670 | 5,614 |
| Average equity | $8,087,000 | 5,540 |
| Average total loans | $55,863,670 | 4,958 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 748 |
| Cost of funding earning assets | 1.0546% | 1,648 |
| Net interest margin | 4.4506% | 1,109 |
| Noninterest income to average assets | 0.8200% | 2,066 |
| Noninterest expense to average assets | 3.8007% | 1,212 |
| Loan and lease loss provision to assets | 0.1866% | 3,097 |
| Net operating income to assets | 0.3192% | 5,592 |
| Return on assets (ROA) | 0.3192% | 5,757 |
| Pretax return on assets | 0.5009% | 5,426 |
| Return on Equity (ROE) | 3.2256% | 5,627 |
| Retained earnings to average equity (ytd only) | 3.2256% | 4,635 |
| Net charge-offs to loans | -0.1306% | 6,876 |
| Credit loss provision to net charge-offs | -211.1111% | 5,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6827% | 1,615 |
| Assets per employee ($millions) | 3.6321% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2019% | 1,878 |
| Loan loss allowance to noncurrent loans | 73.4732% | 3,902 |
| Noncurrent assets plus other real estate owned to assets | 8.3272% | 452 |
| Noncurrent loans to loans | 2.9969% | 2,155 |
| Net loans and leases to total assets | 66.2007% | 2,434 |
| Net loans and leases to deposits | 77.8190% | 2,546 |
| Net loans and leases to core deposits | 84.4061% | 2,498 |
| Total domestic deposits to total assets | 85.0701% | 4,004 |
| Equity capital to assets | 10.1668% | 3,892 |
| Core capital (leverage) ratio | 7.7867% | 6,423 |
| Tier 1 risk-based capital ratio | 10.4399% | 6,755 |
| Total risk-based capital ratio | 11.6986% | 6,748 |
| Memoranda: | ||
| Average total assets | $81,459,000 | 5,427 |
| Average earning assets | $67,137,000 | 5,654 |
| Average equity | $8,060,500 | 5,579 |
| Average total loans | $55,109,500 | 5,019 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5641% | 1,030 |
| Cost of funding earning assets | 1.2827% | 1,565 |
| Net interest margin | 4.2814% | 1,763 |
| Noninterest income to average assets | 0.0623% | 6,786 |
| Noninterest expense to average assets | 3.7156% | 1,509 |
| Loan and lease loss provision to assets | 0.3870% | 2,670 |
| Net operating income to assets | -0.4026% | 6,419 |
| Return on assets (ROA) | -0.4059% | 6,470 |
| Pretax return on assets | -0.4059% | 6,422 |
| Return on Equity (ROE) | -4.5138% | 6,505 |
| Retained earnings to average equity (ytd only) | -4.5138% | 6,413 |
| Net charge-offs to loans | 0.8210% | 2,107 |
| Credit loss provision to net charge-offs | 67.7043% | 4,939 |
| Earnings coverage of net charge-offs (x) | -0.0272% | 5,846 |
| Efficiency ratio | 100.4208% | 654 |
| Assets per employee ($millions) | 3.6092% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0221% | 2,203 |
| Loan loss allowance to noncurrent loans | 56.5239% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 8.4844% | 447 |
| Noncurrent loans to loans | 3.5775% | 1,790 |
| Net loans and leases to total assets | 66.2491% | 2,739 |
| Net loans and leases to deposits | 76.5581% | 3,078 |
| Net loans and leases to core deposits | 83.9219% | 2,904 |
| Total domestic deposits to total assets | 86.5343% | 3,017 |
| Equity capital to assets | 9.6337% | 4,698 |
| Core capital (leverage) ratio | 7.8107% | 6,432 |
| Tier 1 risk-based capital ratio | 10.3704% | 6,745 |
| Total risk-based capital ratio | 11.6267% | 6,718 |
| Memoranda: | ||
| Average total assets | $89,917,600 | 5,185 |
| Average earning assets | $76,400,200 | 5,331 |
| Average equity | $8,086,400 | 5,544 |
| Average total loans | $62,609,000 | 4,769 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5537% | 1,134 |
| Cost of funding earning assets | 1.3226% | 1,582 |
| Net interest margin | 4.2312% | 1,981 |
| Noninterest income to average assets | -0.1149% | 7,219 |
| Noninterest expense to average assets | 3.5993% | 1,711 |
| Loan and lease loss provision to assets | 0.4583% | 2,169 |
| Net operating income to assets | -0.5514% | 6,662 |
| Return on assets (ROA) | -0.5558% | 6,715 |
| Pretax return on assets | -0.5558% | 6,657 |
| Return on Equity (ROE) | -6.2811% | 6,736 |
| Retained earnings to average equity (ytd only) | -6.2811% | 6,663 |
| Net charge-offs to loans | 0.6477% | 2,307 |
| Credit loss provision to net charge-offs | 100.9615% | 3,328 |
| Earnings coverage of net charge-offs (x) | -0.2051% | 5,721 |
| Efficiency ratio | 102.6556% | 591 |
| Assets per employee ($millions) | 3.8113% | 4,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2185% | 1,823 |
| Loan loss allowance to noncurrent loans | 62.1544% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 8.4270% | 500 |
| Noncurrent loans to loans | 3.5693% | 1,925 |
| Net loans and leases to total assets | 65.5666% | 2,990 |
| Net loans and leases to deposits | 75.2586% | 3,462 |
| Net loans and leases to core deposits | 82.0321% | 3,323 |
| Total domestic deposits to total assets | 87.1217% | 2,575 |
| Equity capital to assets | 9.1537% | 5,581 |
| Core capital (leverage) ratio | 7.4388% | 6,796 |
| Tier 1 risk-based capital ratio | 9.9066% | 6,978 |
| Total risk-based capital ratio | 11.1656% | 6,965 |
| Memoranda: | ||
| Average total assets | $91,644,250 | 5,176 |
| Average earning assets | $78,432,000 | 5,314 |
| Average equity | $8,108,750 | 5,564 |
| Average total loans | $64,229,000 | 4,739 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5769% | 1,117 |
| Cost of funding earning assets | 1.3625% | 1,590 |
| Net interest margin | 4.2144% | 1,977 |
| Noninterest income to average assets | -0.4066% | 7,412 |
| Noninterest expense to average assets | 3.5925% | 1,758 |
| Loan and lease loss provision to assets | 0.5055% | 1,936 |
| Net operating income to assets | -0.8648% | 6,898 |
| Return on assets (ROA) | -0.8712% | 6,903 |
| Pretax return on assets | -0.8712% | 6,852 |
| Return on Equity (ROE) | -9.9545% | 6,938 |
| Retained earnings to average equity (ytd only) | -9.9545% | 6,879 |
| Net charge-offs to loans | 0.6480% | 2,226 |
| Credit loss provision to net charge-offs | 109.8131% | 2,796 |
| Earnings coverage of net charge-offs (x) | -0.7804% | 5,597 |
| Efficiency ratio | 111.1111% | 461 |
| Assets per employee ($millions) | 3.8717% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1283% | 2,060 |
| Loan loss allowance to noncurrent loans | 151.4318% | 1,956 |
| Noncurrent assets plus other real estate owned to assets | 6.6840% | 785 |
| Noncurrent loans to loans | 1.4054% | 4,307 |
| Net loans and leases to total assets | 68.2703% | 2,565 |
| Net loans and leases to deposits | 78.1032% | 3,104 |
| Net loans and leases to core deposits | 84.2886% | 3,172 |
| Total domestic deposits to total assets | 87.4103% | 2,515 |
| Equity capital to assets | 8.9535% | 5,646 |
| Core capital (leverage) ratio | 7.2866% | 6,871 |
| Tier 1 risk-based capital ratio | 9.6999% | 7,056 |
| Total risk-based capital ratio | 10.9624% | 7,054 |
| Memoranda: | ||
| Average total assets | $92,972,670 | 5,170 |
| Average earning assets | $80,296,000 | 5,313 |
| Average equity | $8,137,000 | 5,566 |
| Average total loans | $66,045,670 | 4,730 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5031% | 1,287 |
| Cost of funding earning assets | 1.3986% | 1,616 |
| Net interest margin | 4.1045% | 2,252 |
| Noninterest income to average assets | 0.1138% | 6,842 |
| Noninterest expense to average assets | 3.4677% | 2,089 |
| Loan and lease loss provision to assets | 0.8638% | 946 |
| Net operating income to assets | -0.6194% | 6,879 |
| Return on assets (ROA) | -0.6320% | 6,888 |
| Pretax return on assets | -0.6320% | 6,832 |
| Return on Equity (ROE) | -7.3002% | 6,928 |
| Retained earnings to average equity (ytd only) | -7.3002% | 6,698 |
| Net charge-offs to loans | 0.4176% | 2,434 |
| Credit loss provision to net charge-offs | 288.7324% | 1,105 |
| Earnings coverage of net charge-offs (x) | 0.8169% | 4,027 |
| Efficiency ratio | 93.4166% | 1,072 |
| Assets per employee ($millions) | 4.0384% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2186% | 1,918 |
| Loan loss allowance to noncurrent loans | 182.5700% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 3.8898% | 1,721 |
| Noncurrent loans to loans | 1.2152% | 4,652 |
| Net loans and leases to total assets | 68.0892% | 2,533 |
| Net loans and leases to deposits | 77.5524% | 3,147 |
| Net loans and leases to core deposits | 83.3496% | 3,248 |
| Total domestic deposits to total assets | 87.7977% | 2,488 |
| Equity capital to assets | 8.7647% | 5,552 |
| Core capital (leverage) ratio | 7.2581% | 6,888 |
| Tier 1 risk-based capital ratio | 9.8793% | 7,046 |
| Total risk-based capital ratio | 11.1400% | 7,048 |
| Memoranda: | ||
| Average total assets | $94,934,500 | 5,140 |
| Average earning assets | $83,226,500 | 5,263 |
| Average equity | $8,219,000 | 5,550 |
| Average total loans | $68,010,500 | 4,686 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7276% | 1,477 |
| Cost of funding earning assets | 1.8255% | 1,075 |
| Net interest margin | 3.9021% | 3,477 |
| Noninterest income to average assets | -0.1126% | 7,399 |
| Noninterest expense to average assets | 3.2548% | 2,897 |
| Loan and lease loss provision to assets | 1.9131% | 706 |
| Net operating income to assets | -1.1443% | 6,761 |
| Return on assets (ROA) | -1.1203% | 6,773 |
| Pretax return on assets | -1.7714% | 6,945 |
| Return on Equity (ROE) | -14.2139% | 6,893 |
| Retained earnings to average equity (ytd only) | -14.2139% | 6,853 |
| Net charge-offs to loans | 3.5599% | 396 |
| Credit loss provision to net charge-offs | 70.7986% | 5,844 |
| Earnings coverage of net charge-offs (x) | 0.0385% | 6,079 |
| Efficiency ratio | 96.8994% | 929 |
| Assets per employee ($millions) | 4.0410% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 2,784 |
| Loan loss allowance to noncurrent loans | 48.7448% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 3.7573% | 1,827 |
| Noncurrent loans to loans | 3.7411% | 1,979 |
| Net loans and leases to total assets | 72.2184% | 2,051 |
| Net loans and leases to deposits | 81.9394% | 2,820 |
| Net loans and leases to core deposits | 90.1881% | 2,742 |
| Total domestic deposits to total assets | 88.1363% | 2,164 |
| Equity capital to assets | 8.5549% | 5,789 |
| Core capital (leverage) ratio | 7.0011% | 7,029 |
| Tier 1 risk-based capital ratio | 9.3520% | 7,171 |
| Total risk-based capital ratio | 10.6077% | 7,174 |
| Memoranda: | ||
| Average total assets | $106,580,600 | 4,812 |
| Average earning assets | $94,821,400 | 4,866 |
| Average equity | $8,400,200 | 5,587 |
| Average total loans | $80,901,000 | 4,314 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7349% | 1,592 |
| Cost of funding earning assets | 1.9048% | 1,016 |
| Net interest margin | 3.8302% | 3,845 |
| Noninterest income to average assets | -0.2386% | 7,613 |
| Noninterest expense to average assets | 3.2360% | 2,793 |
| Loan and lease loss provision to assets | 1.8033% | 692 |
| Net operating income to assets | -1.1850% | 6,980 |
| Return on assets (ROA) | -1.1537% | 7,000 |
| Pretax return on assets | -1.8217% | 7,145 |
| Return on Equity (ROE) | -14.9217% | 7,101 |
| Retained earnings to average equity (ytd only) | -14.9217% | 7,074 |
| Net charge-offs to loans | 3.4737% | 393 |
| Credit loss provision to net charge-offs | 67.9263% | 5,478 |
| Earnings coverage of net charge-offs (x) | -0.0253% | 6,052 |
| Efficiency ratio | 102.1236% | 683 |
| Assets per employee ($millions) | 4.2127% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8932% | 2,501 |
| Loan loss allowance to noncurrent loans | 54.2997% | 4,680 |
| Noncurrent assets plus other real estate owned to assets | 2.9415% | 2,465 |
| Noncurrent loans to loans | 3.4866% | 2,278 |
| Net loans and leases to total assets | 74.1148% | 1,777 |
| Net loans and leases to deposits | 83.4257% | 2,804 |
| Net loans and leases to core deposits | 92.2638% | 2,753 |
| Total domestic deposits to total assets | 88.8392% | 1,487 |
| Equity capital to assets | 7.9878% | 6,811 |
| Core capital (leverage) ratio | 7.1406% | 7,093 |
| Tier 1 risk-based capital ratio | 9.3796% | 7,280 |
| Total risk-based capital ratio | 10.6362% | 7,291 |
| Memoranda: | ||
| Average total assets | $108,979,500 | 4,801 |
| Average earning assets | $96,947,000 | 4,865 |
| Average equity | $8,426,000 | 5,649 |
| Average total loans | $83,290,750 | 4,312 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7330% | 1,630 |
| Cost of funding earning assets | 1.9968% | 919 |
| Net interest margin | 3.7362% | 4,205 |
| Noninterest income to average assets | -0.1810% | 7,674 |
| Noninterest expense to average assets | 3.1809% | 2,973 |
| Loan and lease loss provision to assets | 2.1039% | 584 |
| Net operating income to assets | -1.3523% | 7,099 |
| Return on assets (ROA) | -1.3064% | 7,088 |
| Pretax return on assets | -2.0644% | 7,256 |
| Return on Equity (ROE) | -17.0673% | 7,204 |
| Retained earnings to average equity (ytd only) | -17.0673% | 7,171 |
| Net charge-offs to loans | 4.0096% | 324 |
| Credit loss provision to net charge-offs | 68.4149% | 5,010 |
| Earnings coverage of net charge-offs (x) | -0.0105% | 5,729 |
| Efficiency ratio | 101.0245% | 767 |
| Assets per employee ($millions) | 3.9394% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9629% | 2,273 |
| Loan loss allowance to noncurrent loans | 101.4585% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 2.1849% | 3,277 |
| Noncurrent loans to loans | 1.9346% | 3,818 |
| Net loans and leases to total assets | 75.1326% | 1,664 |
| Net loans and leases to deposits | 85.2207% | 2,655 |
| Net loans and leases to core deposits | 95.2979% | 2,537 |
| Total domestic deposits to total assets | 88.1623% | 1,918 |
| Equity capital to assets | 7.7987% | 6,927 |
| Core capital (leverage) ratio | 7.0162% | 7,186 |
| Tier 1 risk-based capital ratio | 9.4150% | 7,298 |
| Total risk-based capital ratio | 10.6718% | 7,297 |
| Memoranda: | ||
| Average total assets | $111,604,670 | 4,760 |
| Average earning assets | $99,458,670 | 4,828 |
| Average equity | $8,542,670 | 5,622 |
| Average total loans | $85,594,670 | 4,267 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7224% | 1,694 |
| Cost of funding earning assets | 2.1597% | 666 |
| Net interest margin | 3.5627% | 4,890 |
| Noninterest income to average assets | -0.1891% | 7,802 |
| Noninterest expense to average assets | 3.1762% | 2,949 |
| Loan and lease loss provision to assets | 3.5859% | 260 |
| Net operating income to assets | -2.3939% | 7,535 |
| Return on assets (ROA) | -2.3042% | 7,527 |
| Pretax return on assets | -3.6454% | 7,655 |
| Return on Equity (ROE) | -30.3698% | 7,578 |
| Retained earnings to average equity (ytd only) | -30.3698% | 7,552 |
| Net charge-offs to loans | 7.0611% | 134 |
| Credit loss provision to net charge-offs | 66.1926% | 4,177 |
| Earnings coverage of net charge-offs (x) | -0.0368% | 5,057 |
| Efficiency ratio | 106.7059% | 662 |
| Assets per employee ($millions) | 4.2626% | 3,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 2,507 |
| Loan loss allowance to noncurrent loans | 91.0062% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 3.9560% | 1,743 |
| Noncurrent loans to loans | 2.0657% | 3,701 |
| Net loans and leases to total assets | 73.4210% | 2,101 |
| Net loans and leases to deposits | 82.5068% | 3,196 |
| Net loans and leases to core deposits | 91.9619% | 3,109 |
| Total domestic deposits to total assets | 88.9878% | 1,522 |
| Equity capital to assets | 7.2334% | 7,264 |
| Core capital (leverage) ratio | 6.7011% | 7,389 |
| Tier 1 risk-based capital ratio | 8.5966% | 7,550 |
| Total risk-based capital ratio | 9.8550% | 7,567 |
| Memoranda: | ||
| Average total assets | $114,225,000 | 4,761 |
| Average earning assets | $101,495,000 | 4,834 |
| Average equity | $8,666,500 | 5,641 |
| Average total loans | $87,635,000 | 4,268 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1418% | 1,399 |
| Cost of funding earning assets | 2.6374% | 695 |
| Net interest margin | 3.5044% | 4,938 |
| Noninterest income to average assets | -0.2490% | 7,880 |
| Noninterest expense to average assets | 2.9265% | 4,436 |
| Loan and lease loss provision to assets | 3.2721% | 494 |
| Net operating income to assets | -2.1822% | 7,158 |
| Return on assets (ROA) | -2.1226% | 7,134 |
| Pretax return on assets | -3.1882% | 7,343 |
| Return on Equity (ROE) | -25.7803% | 7,307 |
| Retained earnings to average equity (ytd only) | -26.5004% | 7,302 |
| Net charge-offs to loans | 2.8249% | 781 |
| Credit loss provision to net charge-offs | 141.3982% | 3,424 |
| Earnings coverage of net charge-offs (x) | -0.0022% | 6,198 |
| Efficiency ratio | 100.1740% | 1,089 |
| Assets per employee ($millions) | 4.1985% | 3,441 |
| Cash dividends to net income (ytd only)* | -2.7933% | 7,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4027% | 1,346 |
| Loan loss allowance to noncurrent loans | 93.5371% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 4.1029% | 1,606 |
| Noncurrent loans to loans | 2.5687% | 2,990 |
| Net loans and leases to total assets | 76.7544% | 1,640 |
| Net loans and leases to deposits | 88.3814% | 2,492 |
| Net loans and leases to core deposits | 126.3219% | 1,488 |
| Total domestic deposits to total assets | 86.8444% | 2,585 |
| Equity capital to assets | 7.9464% | 6,634 |
| Core capital (leverage) ratio | 7.2992% | 6,985 |
| Tier 1 risk-based capital ratio | 9.3904% | 7,283 |
| Total risk-based capital ratio | 10.6547% | 7,260 |
| Memoranda: | ||
| Average total assets | $118,060,000 | 4,628 |
| Average earning assets | $106,809,400 | 4,659 |
| Average equity | $9,720,600 | 5,374 |
| Average total loans | $96,710,400 | 4,044 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1622% | 1,467 |
| Cost of funding earning assets | 2.7334% | 720 |
| Net interest margin | 3.4288% | 5,151 |
| Noninterest income to average assets | 0.3645% | 5,586 |
| Noninterest expense to average assets | 2.8794% | 4,541 |
| Loan and lease loss provision to assets | 2.4265% | 695 |
| Net operating income to assets | -1.2008% | 6,956 |
| Return on assets (ROA) | -1.1853% | 6,956 |
| Pretax return on assets | -1.8026% | 7,090 |
| Return on Equity (ROE) | -14.2776% | 7,152 |
| Retained earnings to average equity (ytd only) | -15.2204% | 7,148 |
| Net charge-offs to loans | 1.0818% | 1,843 |
| Credit loss provision to net charge-offs | 271.2500% | 1,565 |
| Earnings coverage of net charge-offs (x) | 0.6712% | 5,361 |
| Efficiency ratio | 82.7442% | 2,470 |
| Assets per employee ($millions) | 4.0248% | 3,678 |
| Cash dividends to net income (ytd only)* | -6.6037% | 7,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5440% | 1,019 |
| Loan loss allowance to noncurrent loans | 65.9192% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 5.9870% | 901 |
| Noncurrent loans to loans | 3.8592% | 1,921 |
| Net loans and leases to total assets | 78.1468% | 1,540 |
| Net loans and leases to deposits | 89.5659% | 2,661 |
| Net loans and leases to core deposits | 129.3434% | 1,474 |
| Total domestic deposits to total assets | 87.2507% | 2,049 |
| Equity capital to assets | 8.9796% | 5,512 |
| Core capital (leverage) ratio | 8.3947% | 5,668 |
| Tier 1 risk-based capital ratio | 10.3978% | 6,574 |
| Total risk-based capital ratio | 11.6528% | 6,513 |
| Memoranda: | ||
| Average total assets | $119,235,250 | 4,615 |
| Average earning assets | $108,335,250 | 4,640 |
| Average equity | $9,898,750 | 5,363 |
| Average total loans | $98,600,500 | 4,027 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1897% | 1,489 |
| Cost of funding earning assets | 2.8172% | 751 |
| Net interest margin | 3.3726% | 5,276 |
| Noninterest income to average assets | 0.4097% | 5,198 |
| Noninterest expense to average assets | 2.7600% | 5,131 |
| Loan and lease loss provision to assets | 3.5728% | 394 |
| Net operating income to assets | -1.8113% | 7,371 |
| Return on assets (ROA) | -1.7889% | 7,356 |
| Pretax return on assets | -2.8133% | 7,511 |
| Return on Equity (ROE) | -22.1337% | 7,564 |
| Retained earnings to average equity (ytd only) | -23.5763% | 7,564 |
| Net charge-offs to loans | 1.2506% | 1,476 |
| Credit loss provision to net charge-offs | 342.1053% | 1,355 |
| Earnings coverage of net charge-offs (x) | 0.6938% | 5,022 |
| Efficiency ratio | 79.2065% | 3,158 |
| Assets per employee ($millions) | 4.4060% | 2,923 |
| Cash dividends to net income (ytd only)* | -6.5177% | 7,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5590% | 852 |
| Loan loss allowance to noncurrent loans | 102.8467% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 3.5062% | 1,774 |
| Noncurrent loans to loans | 2.4882% | 2,914 |
| Net loans and leases to total assets | 80.9494% | 1,149 |
| Net loans and leases to deposits | 93.4017% | 2,190 |
| Net loans and leases to core deposits | 139.3739% | 1,042 |
| Total domestic deposits to total assets | 86.6680% | 2,421 |
| Equity capital to assets | 8.7238% | 5,718 |
| Core capital (leverage) ratio | 8.4637% | 5,507 |
| Tier 1 risk-based capital ratio | 9.8979% | 7,042 |
| Total risk-based capital ratio | 11.1630% | 6,956 |
| Memoranda: | ||
| Average total assets | $120,073,670 | 4,634 |
| Average earning assets | $109,471,670 | 4,637 |
| Average equity | $9,704,670 | 5,454 |
| Average total loans | $100,269,330 | 4,008 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2739% | 1,376 |
| Cost of funding earning assets | 2.9582% | 667 |
| Net interest margin | 3.3157% | 5,441 |
| Noninterest income to average assets | 0.5306% | 4,053 |
| Noninterest expense to average assets | 2.5964% | 5,466 |
| Loan and lease loss provision to assets | 6.9966% | 96 |
| Net operating income to assets | -3.7291% | 7,954 |
| Return on assets (ROA) | -3.6973% | 7,941 |
| Pretax return on assets | -5.9985% | 8,051 |
| Return on Equity (ROE) | -47.6089% | 8,035 |
| Retained earnings to average equity (ytd only) | -50.5978% | 8,033 |
| Net charge-offs to loans | 0.3208% | 2,816 |
| Credit loss provision to net charge-offs | 2,604.9383% | 258 |
| Earnings coverage of net charge-offs (x) | 3.5309% | 3,151 |
| Efficiency ratio | 73.2460% | 3,961 |
| Assets per employee ($millions) | 4.3194% | 3,035 |
| Cash dividends to net income (ytd only)* | -6.2780% | 8,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0163% | 472 |
| Loan loss allowance to noncurrent loans | 624.2300% | 579 |
| Noncurrent assets plus other real estate owned to assets | 2.0109% | 2,883 |
| Noncurrent loans to loans | 0.4832% | 6,219 |
| Net loans and leases to total assets | 80.8206% | 1,234 |
| Net loans and leases to deposits | 93.4278% | 2,368 |
| Net loans and leases to core deposits | 137.1816% | 1,235 |
| Total domestic deposits to total assets | 86.5059% | 2,441 |
| Equity capital to assets | 7.2928% | 7,499 |
| Core capital (leverage) ratio | 6.9969% | 7,635 |
| Tier 1 risk-based capital ratio | 8.2861% | 7,980 |
| Total risk-based capital ratio | 9.5571% | 8,011 |
| Memoranda: | ||
| Average total assets | $120,629,500 | 4,637 |
| Average earning assets | $109,661,500 | 4,651 |
| Average equity | $9,368,000 | 5,575 |
| Average total loans | $100,990,000 | 4,009 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6873% | 2,074 |
| Cost of funding earning assets | 3.6837% | 284 |
| Net interest margin | 3.0036% | 6,905 |
| Noninterest income to average assets | 0.7775% | 2,630 |
| Noninterest expense to average assets | 2.5906% | 5,686 |
| Loan and lease loss provision to assets | 0.4056% | 3,252 |
| Net operating income to assets | 0.3293% | 5,448 |
| Return on assets (ROA) | 0.3896% | 5,005 |
| Pretax return on assets | 0.6038% | 4,682 |
| Return on Equity (ROE) | 4.7507% | 4,497 |
| Retained earnings to average equity (ytd only) | 4.1338% | 2,557 |
| Net charge-offs to loans | 0.3958% | 2,835 |
| Credit loss provision to net charge-offs | 125.2604% | 4,264 |
| Earnings coverage of net charge-offs (x) | 2.8307% | 4,659 |
| Efficiency ratio | 73.8639% | 3,601 |
| Assets per employee ($millions) | 4.4562% | 2,687 |
| Cash dividends to net income (ytd only)* | 12.9870% | 4,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,068 |
| Loan loss allowance to noncurrent loans | 391.8605% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6905% | 2,874 |
| Noncurrent loans to loans | 0.2550% | 6,618 |
| Net loans and leases to total assets | 83.2659% | 1,003 |
| Net loans and leases to deposits | 102.6718% | 1,510 |
| Net loans and leases to core deposits | 154.6106% | 696 |
| Total domestic deposits to total assets | 81.0991% | 4,594 |
| Equity capital to assets | 8.2416% | 6,493 |
| Core capital (leverage) ratio | 8.2640% | 6,021 |
| Tier 1 risk-based capital ratio | 9.8816% | 6,872 |
| Total risk-based capital ratio | 10.8950% | 7,044 |
| Memoranda: | ||
| Average total assets | $118,584,000 | 4,559 |
| Average earning assets | $107,772,200 | 4,569 |
| Average equity | $9,724,800 | 5,502 |
| Average total loans | $97,029,400 | 4,032 |