Home > Bank of the South > Performance and Condition Ratios
Bank of the South, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9226% | 4,634 |
| Cost of funding earning assets | 0.0597% | 4,528 |
| Net interest margin | 1.8630% | 4,596 |
| Noninterest income to average assets | 0.2598% | 3,580 |
| Noninterest expense to average assets | 2.1609% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | -0.1213% | 4,611 |
| Return on assets (ROA) | -0.1213% | 4,595 |
| Pretax return on assets | -0.1429% | 4,597 |
| Return on Equity (ROE) | -0.7709% | 4,578 |
| Retained earnings to average equity (ytd only) | -1.3767% | 4,179 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0815% | 156 |
| Assets per employee ($millions) | 5.8129% | 2,987 |
| Cash dividends to net income (ytd only)* | -78.5714% | 4,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 23.1284% | 4,629 |
| Net loans and leases to deposits | 27.4263% | 4,613 |
| Net loans and leases to core deposits | 27.6104% | 4,623 |
| Total domestic deposits to total assets | 84.3291% | 3,697 |
| Equity capital to assets | 15.5805% | 349 |
| Core capital (leverage) ratio | 15.7798% | 371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,369,000 | 4,076 |
| Average earning assets | $87,173,500 | 4,053 |
| Average equity | $14,528,000 | 3,604 |
| Average total loans | $21,194,000 | 4,494 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2522% | 4,606 |
| Cost of funding earning assets | 0.0647% | 4,617 |
| Net interest margin | 2.1875% | 4,493 |
| Noninterest income to average assets | 0.3043% | 3,588 |
| Noninterest expense to average assets | 2.3020% | 2,790 |
| Loan and lease loss provision to assets | -0.0387% | 4,306 |
| Net operating income to assets | 0.0912% | 4,628 |
| Return on assets (ROA) | 0.0912% | 4,637 |
| Pretax return on assets | 0.1219% | 4,622 |
| Return on Equity (ROE) | 0.5448% | 4,653 |
| Retained earnings to average equity (ytd only) | 0.5448% | 4,364 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5122% | 194 |
| Assets per employee ($millions) | 6.1154% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 2,897 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 22.2204% | 4,693 |
| Net loans and leases to deposits | 26.4152% | 4,681 |
| Net loans and leases to core deposits | 26.6825% | 4,690 |
| Total domestic deposits to total assets | 84.1199% | 3,528 |
| Equity capital to assets | 15.8779% | 394 |
| Core capital (leverage) ratio | 16.0014% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,749,000 | 4,120 |
| Average earning assets | $83,473,400 | 4,086 |
| Average equity | $14,684,400 | 3,670 |
| Average total loans | $26,159,200 | 4,453 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2997% | 4,671 |
| Cost of funding earning assets | 0.0661% | 4,708 |
| Net interest margin | 2.2336% | 4,544 |
| Noninterest income to average assets | 0.3105% | 3,570 |
| Noninterest expense to average assets | 2.3176% | 2,699 |
| Loan and lease loss provision to assets | -0.0519% | 4,465 |
| Net operating income to assets | 0.1322% | 4,672 |
| Return on assets (ROA) | 0.1322% | 4,694 |
| Pretax return on assets | 0.1737% | 4,680 |
| Return on Equity (ROE) | 0.7793% | 4,708 |
| Retained earnings to average equity (ytd only) | 0.7793% | 4,455 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0221% | 214 |
| Assets per employee ($millions) | 6.1399% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 3,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 25.6173% | 4,715 |
| Net loans and leases to deposits | 30.4587% | 4,693 |
| Net loans and leases to core deposits | 30.7657% | 4,714 |
| Total domestic deposits to total assets | 84.1050% | 3,434 |
| Equity capital to assets | 15.8614% | 430 |
| Core capital (leverage) ratio | 15.8960% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,753,500 | 4,185 |
| Average earning assets | $82,675,500 | 4,150 |
| Average equity | $14,714,250 | 3,713 |
| Average total loans | $27,541,500 | 4,479 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3449% | 4,701 |
| Cost of funding earning assets | 0.0698% | 4,748 |
| Net interest margin | 2.2751% | 4,539 |
| Noninterest income to average assets | 0.3225% | 3,497 |
| Noninterest expense to average assets | 2.2808% | 2,822 |
| Loan and lease loss provision to assets | 0.0141% | 2,673 |
| Net operating income to assets | 0.1342% | 4,677 |
| Return on assets (ROA) | 0.1342% | 4,699 |
| Pretax return on assets | 0.1765% | 4,687 |
| Return on Equity (ROE) | 0.7729% | 4,726 |
| Retained earnings to average equity (ytd only) | 0.7729% | 4,383 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2857% | 286 |
| Assets per employee ($millions) | 6.0654% | 2,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 29.3951% | 4,668 |
| Net loans and leases to deposits | 35.0971% | 4,650 |
| Net loans and leases to core deposits | 35.3392% | 4,688 |
| Total domestic deposits to total assets | 83.7538% | 3,509 |
| Equity capital to assets | 16.1979% | 392 |
| Core capital (leverage) ratio | 16.7771% | 318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,972,000 | 4,232 |
| Average earning assets | $80,259,333 | 4,202 |
| Average equity | $14,749,667 | 3,704 |
| Average total loans | $28,775,333 | 4,489 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4527% | 4,683 |
| Cost of funding earning assets | 0.0781% | 4,755 |
| Net interest margin | 2.3746% | 4,440 |
| Noninterest income to average assets | 0.3221% | 3,481 |
| Noninterest expense to average assets | 2.2838% | 2,843 |
| Loan and lease loss provision to assets | 0.0293% | 2,399 |
| Net operating income to assets | 0.1806% | 4,649 |
| Return on assets (ROA) | 0.1806% | 4,674 |
| Pretax return on assets | 0.2342% | 4,655 |
| Return on Equity (ROE) | 1.0030% | 4,710 |
| Retained earnings to average equity (ytd only) | 1.0030% | 4,216 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6552% | 377 |
| Assets per employee ($millions) | 5.1691% | 3,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9651% | 3,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 35.6109% | 4,521 |
| Net loans and leases to deposits | 43.3800% | 4,448 |
| Net loans and leases to core deposits | 43.7161% | 4,505 |
| Total domestic deposits to total assets | 82.0906% | 3,876 |
| Equity capital to assets | 17.8417% | 261 |
| Core capital (leverage) ratio | 18.2890% | 250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,967,500 | 4,281 |
| Average earning assets | $76,812,500 | 4,269 |
| Average equity | $14,756,000 | 3,712 |
| Average total loans | $29,647,500 | 4,501 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5921% | 4,826 |
| Cost of funding earning assets | 0.1324% | 4,782 |
| Net interest margin | 2.4597% | 4,622 |
| Noninterest income to average assets | 0.3202% | 3,542 |
| Noninterest expense to average assets | 2.4303% | 3,052 |
| Loan and lease loss provision to assets | 0.0189% | 4,152 |
| Net operating income to assets | 0.1462% | 4,629 |
| Return on assets (ROA) | 0.1462% | 4,675 |
| Pretax return on assets | 0.1891% | 4,660 |
| Return on Equity (ROE) | 0.7902% | 4,700 |
| Retained earnings to average equity (ytd only) | 0.7902% | 4,293 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1166% | 313 |
| Assets per employee ($millions) | 4.7782% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 4,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 36.0396% | 4,589 |
| Net loans and leases to deposits | 44.0444% | 4,527 |
| Net loans and leases to core deposits | 44.3924% | 4,589 |
| Total domestic deposits to total assets | 81.8257% | 3,700 |
| Equity capital to assets | 18.1657% | 260 |
| Core capital (leverage) ratio | 18.4104% | 244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $79,331,600 | 4,252 |
| Average earning assets | $74,764,200 | 4,222 |
| Average equity | $14,679,200 | 3,679 |
| Average total loans | $28,213,400 | 4,547 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5222% | 4,904 |
| Cost of funding earning assets | 0.1471% | 4,806 |
| Net interest margin | 2.3751% | 4,744 |
| Noninterest income to average assets | 0.3263% | 3,535 |
| Noninterest expense to average assets | 2.4719% | 2,929 |
| Loan and lease loss provision to assets | 0.0101% | 4,175 |
| Net operating income to assets | 0.0642% | 4,731 |
| Return on assets (ROA) | 0.0642% | 4,753 |
| Pretax return on assets | 0.0828% | 4,738 |
| Return on Equity (ROE) | 0.3456% | 4,766 |
| Retained earnings to average equity (ytd only) | 0.3456% | 4,420 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3744% | 218 |
| Assets per employee ($millions) | 4.8946% | 3,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 4,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 37.0625% | 4,640 |
| Net loans and leases to deposits | 45.0329% | 4,632 |
| Net loans and leases to core deposits | 45.3775% | 4,677 |
| Total domestic deposits to total assets | 82.3010% | 3,342 |
| Equity capital to assets | 17.6834% | 324 |
| Core capital (leverage) ratio | 17.3875% | 312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,857,000 | 4,264 |
| Average earning assets | $74,323,500 | 4,240 |
| Average equity | $14,660,000 | 3,687 |
| Average total loans | $27,877,750 | 4,582 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5427% | 4,954 |
| Cost of funding earning assets | 0.1688% | 4,838 |
| Net interest margin | 2.3739% | 4,804 |
| Noninterest income to average assets | 0.3307% | 3,493 |
| Noninterest expense to average assets | 2.5812% | 2,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0207% | 4,799 |
| Return on assets (ROA) | -0.0207% | 4,805 |
| Pretax return on assets | -0.0336% | 4,803 |
| Return on Equity (ROE) | -0.1093% | 4,802 |
| Retained earnings to average equity (ytd only) | -0.1093% | 4,327 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3185% | 168 |
| Assets per employee ($millions) | 4.9196% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9017% | 3,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 35.0854% | 4,748 |
| Net loans and leases to deposits | 42.5847% | 4,732 |
| Net loans and leases to core deposits | 42.9073% | 4,777 |
| Total domestic deposits to total assets | 82.3897% | 3,268 |
| Equity capital to assets | 17.5732% | 329 |
| Core capital (leverage) ratio | 18.7333% | 255 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,406,667 | 4,292 |
| Average earning assets | $72,286,000 | 4,271 |
| Average equity | $14,642,000 | 3,693 |
| Average total loans | $26,800,000 | 4,624 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6882% | 5,019 |
| Cost of funding earning assets | 0.1858% | 4,917 |
| Net interest margin | 2.5024% | 4,824 |
| Noninterest income to average assets | 0.3338% | 3,529 |
| Noninterest expense to average assets | 2.5951% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.0538% | 4,708 |
| Return on assets (ROA) | 0.0538% | 4,701 |
| Pretax return on assets | 0.0592% | 4,694 |
| Return on Equity (ROE) | 0.2737% | 4,713 |
| Retained earnings to average equity (ytd only) | 0.2737% | 3,926 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7688% | 279 |
| Assets per employee ($millions) | 4.1022% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0328% | 3,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 34.6511% | 4,818 |
| Net loans and leases to deposits | 43.3103% | 4,777 |
| Net loans and leases to core deposits | 43.6927% | 4,813 |
| Total domestic deposits to total assets | 80.0065% | 3,861 |
| Equity capital to assets | 19.9488% | 248 |
| Core capital (leverage) ratio | 19.4654% | 259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,293,500 | 4,339 |
| Average earning assets | $68,894,000 | 4,332 |
| Average equity | $14,614,500 | 3,704 |
| Average total loans | $25,395,000 | 4,686 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7218% | 5,105 |
| Cost of funding earning assets | 0.1759% | 5,006 |
| Net interest margin | 2.5459% | 4,944 |
| Noninterest income to average assets | 0.3328% | 3,716 |
| Noninterest expense to average assets | 2.5073% | 3,432 |
| Loan and lease loss provision to assets | 0.0076% | 3,855 |
| Net operating income to assets | 0.1588% | 4,876 |
| Return on assets (ROA) | 0.1588% | 4,897 |
| Pretax return on assets | 0.2083% | 4,880 |
| Return on Equity (ROE) | 0.8706% | 4,928 |
| Retained earnings to average equity (ytd only) | 0.8706% | 4,424 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0709% | 291 |
| Assets per employee ($millions) | 4.1527% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 3,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 33.0042% | 4,919 |
| Net loans and leases to deposits | 40.9535% | 4,886 |
| Net loans and leases to core deposits | 41.3074% | 4,922 |
| Total domestic deposits to total assets | 80.5894% | 3,858 |
| Equity capital to assets | 19.3972% | 274 |
| Core capital (leverage) ratio | 18.7572% | 287 |
| Tier 1 risk-based capital ratio | 57.6285% | 101 |
| Total risk-based capital ratio | 58.6927% | 100 |
| Memoranda: | ||
| Average total assets | $78,729,200 | 4,311 |
| Average earning assets | $73,922,800 | 4,287 |
| Average equity | $14,357,600 | 3,704 |
| Average total loans | $25,168,400 | 4,743 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7138% | 5,194 |
| Cost of funding earning assets | 0.1659% | 5,094 |
| Net interest margin | 2.5479% | 5,038 |
| Noninterest income to average assets | 0.3311% | 3,762 |
| Noninterest expense to average assets | 2.4551% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1990% | 4,949 |
| Return on assets (ROA) | 0.1990% | 4,971 |
| Pretax return on assets | 0.2642% | 4,933 |
| Return on Equity (ROE) | 1.1078% | 5,003 |
| Retained earnings to average equity (ytd only) | 1.1078% | 4,542 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2829% | 315 |
| Assets per employee ($millions) | 4.4331% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 31.3913% | 5,030 |
| Net loans and leases to deposits | 38.3687% | 5,028 |
| Net loans and leases to core deposits | 38.6738% | 5,052 |
| Total domestic deposits to total assets | 81.8149% | 3,526 |
| Equity capital to assets | 18.1538% | 380 |
| Core capital (leverage) ratio | 18.2613% | 333 |
| Tier 1 risk-based capital ratio | 57.3015% | 102 |
| Total risk-based capital ratio | 58.3363% | 102 |
| Memoranda: | ||
| Average total assets | $79,724,500 | 4,347 |
| Average earning assets | $74,726,000 | 4,329 |
| Average equity | $14,322,250 | 3,740 |
| Average total loans | $25,226,250 | 4,814 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7034% | 5,257 |
| Cost of funding earning assets | 0.1532% | 5,156 |
| Net interest margin | 2.5503% | 5,101 |
| Noninterest income to average assets | 0.3262% | 3,758 |
| Noninterest expense to average assets | 2.4717% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1782% | 5,017 |
| Return on assets (ROA) | 0.1782% | 5,023 |
| Pretax return on assets | 0.2359% | 4,994 |
| Return on Equity (ROE) | 0.9953% | 5,049 |
| Retained earnings to average equity (ytd only) | 0.9953% | 4,436 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2882% | 304 |
| Assets per employee ($millions) | 4.3033% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 3,483 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 32.5669% | 5,057 |
| Net loans and leases to deposits | 40.0400% | 5,053 |
| Net loans and leases to core deposits | 40.3694% | 5,077 |
| Total domestic deposits to total assets | 81.3359% | 3,714 |
| Equity capital to assets | 18.6421% | 318 |
| Core capital (leverage) ratio | 18.5467% | 307 |
| Tier 1 risk-based capital ratio | 56.4017% | 105 |
| Total risk-based capital ratio | 57.4236% | 99 |
| Memoranda: | ||
| Average total assets | $79,700,670 | 4,376 |
| Average earning assets | $74,423,670 | 4,363 |
| Average equity | $14,267,670 | 3,754 |
| Average total loans | $25,198,330 | 4,851 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6384% | 5,326 |
| Cost of funding earning assets | 0.1170% | 5,257 |
| Net interest margin | 2.5214% | 5,181 |
| Noninterest income to average assets | 0.2871% | 3,956 |
| Noninterest expense to average assets | 2.4152% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1633% | 5,040 |
| Return on assets (ROA) | 0.1633% | 5,046 |
| Pretax return on assets | 0.2178% | 5,020 |
| Return on Equity (ROE) | 0.9308% | 5,078 |
| Retained earnings to average equity (ytd only) | 0.9308% | 4,327 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7293% | 335 |
| Assets per employee ($millions) | 4.3351% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 3,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 31.5349% | 5,125 |
| Net loans and leases to deposits | 38.5889% | 5,101 |
| Net loans and leases to core deposits | 38.9019% | 5,128 |
| Total domestic deposits to total assets | 81.7201% | 3,798 |
| Equity capital to assets | 18.2492% | 329 |
| Core capital (leverage) ratio | 18.9292% | 282 |
| Tier 1 risk-based capital ratio | 57.7631% | 95 |
| Total risk-based capital ratio | 58.8124% | 96 |
| Memoranda: | ||
| Average total assets | $80,821,500 | 4,404 |
| Average earning assets | $75,196,500 | 4,385 |
| Average equity | $14,181,500 | 3,774 |
| Average total loans | $25,054,000 | 4,900 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5632% | 5,338 |
| Cost of funding earning assets | 0.1021% | 5,281 |
| Net interest margin | 2.4610% | 5,230 |
| Noninterest income to average assets | 0.3469% | 3,790 |
| Noninterest expense to average assets | 2.4787% | 3,673 |
| Loan and lease loss provision to assets | 0.0771% | 2,586 |
| Net operating income to assets | 0.0360% | 5,216 |
| Return on assets (ROA) | 0.0360% | 5,212 |
| Pretax return on assets | 0.0822% | 5,186 |
| Return on Equity (ROE) | 0.1995% | 5,217 |
| Retained earnings to average equity (ytd only) | 0.1995% | 4,928 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9601% | 241 |
| Assets per employee ($millions) | 4.6451% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0341% | 3,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 29.8749% | 5,209 |
| Net loans and leases to deposits | 35.9524% | 5,198 |
| Net loans and leases to core deposits | 36.2193% | 5,213 |
| Total domestic deposits to total assets | 83.0957% | 3,295 |
| Equity capital to assets | 16.8911% | 426 |
| Core capital (leverage) ratio | 17.2845% | 381 |
| Tier 1 risk-based capital ratio | 55.1817% | 104 |
| Total risk-based capital ratio | 56.1865% | 105 |
| Memoranda: | ||
| Average total assets | $77,822,000 | 4,469 |
| Average earning assets | $72,449,800 | 4,450 |
| Average equity | $14,038,600 | 3,742 |
| Average total loans | $22,837,000 | 5,008 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4958% | 5,413 |
| Cost of funding earning assets | 0.0953% | 5,363 |
| Net interest margin | 2.4004% | 5,319 |
| Noninterest income to average assets | 0.3544% | 3,760 |
| Noninterest expense to average assets | 2.5331% | 3,493 |
| Loan and lease loss provision to assets | 0.0786% | 2,385 |
| Net operating income to assets | -0.0436% | 5,317 |
| Return on assets (ROA) | -0.0436% | 5,313 |
| Pretax return on assets | -0.0157% | 5,303 |
| Return on Equity (ROE) | -0.2378% | 5,304 |
| Retained earnings to average equity (ytd only) | -0.2378% | 5,065 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5790% | 179 |
| Assets per employee ($millions) | 4.2143% | 3,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,619 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 31.3050% | 5,255 |
| Net loans and leases to deposits | 38.3802% | 5,239 |
| Net loans and leases to core deposits | 38.7005% | 5,258 |
| Total domestic deposits to total assets | 81.5653% | 3,716 |
| Equity capital to assets | 18.4044% | 302 |
| Core capital (leverage) ratio | 18.4760% | 296 |
| Tier 1 risk-based capital ratio | 55.4602% | 102 |
| Total risk-based capital ratio | 56.4155% | 99 |
| Memoranda: | ||
| Average total assets | $76,374,500 | 4,540 |
| Average earning assets | $71,319,000 | 4,514 |
| Average equity | $14,017,500 | 3,772 |
| Average total loans | $22,236,250 | 5,083 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4337% | 5,479 |
| Cost of funding earning assets | 0.0947% | 5,417 |
| Net interest margin | 2.3390% | 5,403 |
| Noninterest income to average assets | 0.3632% | 3,726 |
| Noninterest expense to average assets | 2.5370% | 3,525 |
| Loan and lease loss provision to assets | 0.0784% | 2,339 |
| Net operating income to assets | -0.0967% | 5,377 |
| Return on assets (ROA) | -0.0967% | 5,371 |
| Pretax return on assets | -0.0575% | 5,359 |
| Return on Equity (ROE) | -0.5272% | 5,361 |
| Retained earnings to average equity (ytd only) | -0.5272% | 5,031 |
| Net charge-offs to loans | 0.0092% | 2,807 |
| Credit loss provision to net charge-offs | 3,000.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,507 |
| Efficiency ratio | 99.1828% | 185 |
| Assets per employee ($millions) | 4.2264% | 3,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 3,933 |
| 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 | 30.5431% | 5,310 |
| Net loans and leases to deposits | 37.4267% | 5,291 |
| Net loans and leases to core deposits | 37.7373% | 5,325 |
| Total domestic deposits to total assets | 81.6079% | 3,839 |
| Equity capital to assets | 18.3672% | 298 |
| Core capital (leverage) ratio | 18.5218% | 295 |
| Tier 1 risk-based capital ratio | 58.0560% | 95 |
| Total risk-based capital ratio | 58.9958% | 96 |
| Memoranda: | ||
| Average total assets | $76,547,000 | 4,585 |
| Average earning assets | $71,825,330 | 4,554 |
| Average equity | $14,036,330 | 3,793 |
| Average total loans | $21,650,670 | 5,161 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3963% | 5,547 |
| Cost of funding earning assets | 0.0959% | 5,472 |
| Net interest margin | 2.3004% | 5,471 |
| Noninterest income to average assets | 0.3386% | 3,889 |
| Noninterest expense to average assets | 2.5006% | 3,640 |
| Loan and lease loss provision to assets | 0.0781% | 2,209 |
| Net operating income to assets | -0.2032% | 5,447 |
| Return on assets (ROA) | -0.2032% | 5,442 |
| Pretax return on assets | -0.1146% | 5,419 |
| Return on Equity (ROE) | -1.1089% | 5,423 |
| Retained earnings to average equity (ytd only) | -1.1089% | 4,919 |
| Net charge-offs to loans | 0.0193% | 2,114 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | -7.0000% | 2,694 |
| Efficiency ratio | 101.4799% | 163 |
| Assets per employee ($millions) | 4.2984% | 3,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 4,198 |
| 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 | 28.9682% | 5,389 |
| Net loans and leases to deposits | 35.3679% | 5,371 |
| Net loans and leases to core deposits | 35.6549% | 5,400 |
| Total domestic deposits to total assets | 81.9054% | 3,989 |
| Equity capital to assets | 18.0817% | 305 |
| Core capital (leverage) ratio | 18.5699% | 280 |
| Tier 1 risk-based capital ratio | 61.0945% | 84 |
| Total risk-based capital ratio | 62.0194% | 85 |
| Memoranda: | ||
| Average total assets | $76,782,500 | 4,627 |
| Average earning assets | $70,943,500 | 4,618 |
| Average equity | $14,068,000 | 3,820 |
| Average total loans | $20,742,500 | 5,236 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1615% | 5,600 |
| Cost of funding earning assets | 0.0966% | 5,509 |
| Net interest margin | 2.0649% | 5,563 |
| Noninterest income to average assets | 0.3709% | 3,817 |
| Noninterest expense to average assets | 2.4557% | 3,924 |
| Loan and lease loss provision to assets | 0.0245% | 3,806 |
| Net operating income to assets | -0.1275% | 5,425 |
| Return on assets (ROA) | -0.1275% | 5,428 |
| Pretax return on assets | -0.2099% | 5,499 |
| Return on Equity (ROE) | -0.6935% | 5,411 |
| Retained earnings to average equity (ytd only) | -0.6935% | 5,143 |
| Net charge-offs to loans | 0.0396% | 3,009 |
| Credit loss provision to net charge-offs | 271.4286% | 1,032 |
| Earnings coverage of net charge-offs (x) | -20.5714% | 4,102 |
| Efficiency ratio | 108.1679% | 112 |
| Assets per employee ($millions) | 4.2330% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 3,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 24.4822% | 5,525 |
| Net loans and leases to deposits | 30.0662% | 5,514 |
| Net loans and leases to core deposits | 30.3154% | 5,527 |
| Total domestic deposits to total assets | 81.4277% | 4,017 |
| Equity capital to assets | 18.5658% | 275 |
| Core capital (leverage) ratio | 18.0999% | 286 |
| Tier 1 risk-based capital ratio | 71.7884% | 57 |
| Total risk-based capital ratio | 72.8021% | 57 |
| Memoranda: | ||
| Average total assets | $77,656,600 | 4,632 |
| Average earning assets | $71,432,200 | 4,639 |
| Average equity | $14,276,200 | 3,815 |
| Average total loans | $17,685,600 | 5,369 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1075% | 5,670 |
| Cost of funding earning assets | 0.0948% | 5,573 |
| Net interest margin | 2.0127% | 5,640 |
| Noninterest income to average assets | 0.3760% | 3,840 |
| Noninterest expense to average assets | 2.4300% | 3,935 |
| Loan and lease loss provision to assets | 0.0068% | 3,990 |
| Net operating income to assets | -0.1282% | 5,560 |
| Return on assets (ROA) | -0.1282% | 5,565 |
| Pretax return on assets | -0.2102% | 5,579 |
| Return on Equity (ROE) | -0.6989% | 5,545 |
| Retained earnings to average equity (ytd only) | -0.6989% | 5,318 |
| Net charge-offs to loans | 0.0306% | 2,814 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | -29.7674% | 3,781 |
| Efficiency ratio | 109.1328% | 103 |
| Assets per employee ($millions) | 4.4963% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 22.0427% | 5,623 |
| Net loans and leases to deposits | 26.7872% | 5,618 |
| Net loans and leases to core deposits | 26.9935% | 5,624 |
| Total domestic deposits to total assets | 82.2880% | 3,687 |
| Equity capital to assets | 17.6761% | 363 |
| Core capital (leverage) ratio | 18.1114% | 301 |
| Tier 1 risk-based capital ratio | 74.3386% | 57 |
| Total risk-based capital ratio | 75.3242% | 56 |
| Memoranda: | ||
| Average total assets | $78,022,250 | 4,674 |
| Average earning assets | $71,742,000 | 4,680 |
| Average equity | $14,308,750 | 3,849 |
| Average total loans | $17,393,000 | 5,433 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0820% | 5,724 |
| Cost of funding earning assets | 0.0931% | 5,620 |
| Net interest margin | 1.9889% | 5,695 |
| Noninterest income to average assets | 0.3868% | 3,777 |
| Noninterest expense to average assets | 2.4815% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -0.1583% | 5,606 |
| Return on assets (ROA) | -0.1583% | 5,607 |
| Pretax return on assets | -0.2648% | 5,626 |
| Return on Equity (ROE) | -0.8526% | 5,587 |
| Retained earnings to average equity (ytd only) | -0.8526% | 5,213 |
| Net charge-offs to loans | 0.0116% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -102.0000% | 3,508 |
| Efficiency ratio | 111.9438% | 94 |
| Assets per employee ($millions) | 4.3181% | 3,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 3,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 22.3915% | 5,666 |
| Net loans and leases to deposits | 27.4667% | 5,660 |
| Net loans and leases to core deposits | 27.6887% | 5,670 |
| Total domestic deposits to total assets | 81.5223% | 4,037 |
| Equity capital to assets | 18.4584% | 291 |
| Core capital (leverage) ratio | 19.0183% | 240 |
| Tier 1 risk-based capital ratio | 77.1100% | 52 |
| Total risk-based capital ratio | 78.1260% | 52 |
| Memoranda: | ||
| Average total assets | $77,051,670 | 4,723 |
| Average earning assets | $70,892,330 | 4,729 |
| Average equity | $14,309,670 | 3,852 |
| Average total loans | $17,180,670 | 5,482 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0584% | 5,791 |
| Cost of funding earning assets | 0.0969% | 5,660 |
| Net interest margin | 1.9614% | 5,760 |
| Noninterest income to average assets | 0.3702% | 3,888 |
| Noninterest expense to average assets | 2.4611% | 3,934 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1825% | 5,673 |
| Return on assets (ROA) | -0.1825% | 5,673 |
| Pretax return on assets | -0.2972% | 5,686 |
| Return on Equity (ROE) | -0.9796% | 5,654 |
| Retained earnings to average equity (ytd only) | -0.9796% | 5,062 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.7349% | 93 |
| Assets per employee ($millions) | 4.2616% | 3,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 3,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 21.6937% | 5,731 |
| Net loans and leases to deposits | 26.6704% | 5,717 |
| Net loans and leases to core deposits | 27.0019% | 5,721 |
| Total domestic deposits to total assets | 81.3399% | 4,334 |
| Equity capital to assets | 18.6471% | 267 |
| Core capital (leverage) ratio | 18.9319% | 235 |
| Tier 1 risk-based capital ratio | 80.7586% | 50 |
| Total risk-based capital ratio | 81.8264% | 50 |
| Memoranda: | ||
| Average total assets | $76,714,500 | 4,779 |
| Average earning assets | $70,153,000 | 4,787 |
| Average equity | $14,291,000 | 3,878 |
| Average total loans | $16,974,500 | 5,549 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0358% | 5,839 |
| Cost of funding earning assets | 0.1013% | 5,697 |
| Net interest margin | 1.9345% | 5,817 |
| Noninterest income to average assets | 0.3596% | 4,165 |
| Noninterest expense to average assets | 2.4306% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.1987% | 5,716 |
| Return on assets (ROA) | -0.1151% | 5,703 |
| Pretax return on assets | -0.1863% | 5,717 |
| Return on Equity (ROE) | -0.6145% | 5,686 |
| Retained earnings to average equity (ytd only) | -0.6145% | 5,398 |
| Net charge-offs to loans | 0.0769% | 2,597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -20.4167% | 4,258 |
| Efficiency ratio | 114.9939% | 101 |
| Assets per employee ($millions) | 4.2622% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 3,660 |
| 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 | 22.0647% | 5,784 |
| Net loans and leases to deposits | 27.1156% | 5,770 |
| Net loans and leases to core deposits | 27.4516% | 5,779 |
| Total domestic deposits to total assets | 81.3725% | 4,241 |
| Equity capital to assets | 18.6105% | 271 |
| Core capital (leverage) ratio | 18.0037% | 286 |
| Tier 1 risk-based capital ratio | 74.8130% | 54 |
| Total risk-based capital ratio | 75.7998% | 55 |
| Memoranda: | ||
| Average total assets | $77,306,600 | 4,785 |
| Average earning assets | $70,096,200 | 4,807 |
| Average equity | $14,484,200 | 3,876 |
| Average total loans | $15,613,200 | 5,649 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9876% | 5,911 |
| Cost of funding earning assets | 0.0983% | 5,777 |
| Net interest margin | 1.8892% | 5,886 |
| Noninterest income to average assets | 0.3529% | 4,261 |
| Noninterest expense to average assets | 2.4324% | 4,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.2341% | 5,806 |
| Return on assets (ROA) | -0.2341% | 5,816 |
| Pretax return on assets | -0.3598% | 5,831 |
| Return on Equity (ROE) | -1.2475% | 5,793 |
| Retained earnings to average equity (ytd only) | -1.2475% | 5,521 |
| Net charge-offs to loans | 0.0612% | 2,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | -29.8671% | 3,936 |
| Efficiency ratio | 117.3588% | 91 |
| Assets per employee ($millions) | 4.6442% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 3,295 |
| 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 | 19.3457% | 5,879 |
| Net loans and leases to deposits | 23.4326% | 5,874 |
| Net loans and leases to core deposits | 23.6949% | 5,881 |
| Total domestic deposits to total assets | 82.5588% | 3,756 |
| Equity capital to assets | 17.3671% | 401 |
| Core capital (leverage) ratio | 18.3038% | 277 |
| Tier 1 risk-based capital ratio | 77.0581% | 56 |
| Total risk-based capital ratio | 78.1045% | 57 |
| Memoranda: | ||
| Average total assets | $77,453,250 | 4,824 |
| Average earning assets | $70,503,250 | 4,830 |
| Average equity | $14,535,750 | 3,909 |
| Average total loans | $15,237,000 | 5,717 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0244% | 5,989 |
| Cost of funding earning assets | 0.0988% | 5,857 |
| Net interest margin | 1.9256% | 5,964 |
| Noninterest income to average assets | 0.3634% | 4,160 |
| Noninterest expense to average assets | 2.5064% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.2361% | 5,860 |
| Return on assets (ROA) | -0.2361% | 5,874 |
| Pretax return on assets | -0.3846% | 5,902 |
| Return on Equity (ROE) | -1.2241% | 5,849 |
| Retained earnings to average equity (ytd only) | -1.2241% | 5,461 |
| Net charge-offs to loans | 0.0942% | 1,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | -20.7143% | 3,661 |
| Efficiency ratio | 118.1250% | 97 |
| Assets per employee ($millions) | 4.3750% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4195% | 2,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 17.1962% | 5,968 |
| Net loans and leases to deposits | 21.1297% | 5,970 |
| Net loans and leases to core deposits | 21.3839% | 5,970 |
| Total domestic deposits to total assets | 81.3841% | 4,167 |
| Equity capital to assets | 18.5308% | 292 |
| Core capital (leverage) ratio | 19.0737% | 227 |
| Tier 1 risk-based capital ratio | 91.0159% | 47 |
| Total risk-based capital ratio | 92.2479% | 47 |
| Memoranda: | ||
| Average total assets | $75,406,000 | 4,901 |
| Average earning assets | $68,860,670 | 4,911 |
| Average equity | $14,541,670 | 3,922 |
| Average total loans | $14,860,330 | 5,794 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0628% | 6,053 |
| Cost of funding earning assets | 0.0946% | 5,935 |
| Net interest margin | 1.9683% | 6,020 |
| Noninterest income to average assets | 0.3635% | 4,119 |
| Noninterest expense to average assets | 2.5389% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.3201% | 5,921 |
| Return on assets (ROA) | -0.3201% | 5,929 |
| Pretax return on assets | -0.3689% | 5,934 |
| Return on Equity (ROE) | -1.6258% | 5,894 |
| Retained earnings to average equity (ytd only) | -1.6258% | 5,349 |
| Net charge-offs to loans | 0.1816% | 1,070 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -9.7143% | 3,057 |
| Efficiency ratio | 117.0000% | 116 |
| Assets per employee ($millions) | 4.2413% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 3,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 20.0045% | 5,992 |
| Net loans and leases to deposits | 24.7256% | 5,987 |
| Net loans and leases to core deposits | 25.0344% | 5,993 |
| Total domestic deposits to total assets | 80.9059% | 4,519 |
| Equity capital to assets | 19.0692% | 254 |
| Core capital (leverage) ratio | 20.1707% | 191 |
| Tier 1 risk-based capital ratio | 85.2486% | 51 |
| Total risk-based capital ratio | 86.4001% | 51 |
| Memoranda: | ||
| Average total assets | $73,734,000 | 4,983 |
| Average earning assets | $67,674,000 | 4,989 |
| Average equity | $14,516,000 | 3,929 |
| Average total loans | $15,422,000 | 5,831 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1424% | 6,082 |
| Cost of funding earning assets | 0.1034% | 5,949 |
| Net interest margin | 2.0390% | 6,045 |
| Noninterest income to average assets | 0.5675% | 2,913 |
| Noninterest expense to average assets | 2.4720% | 4,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0055% | 5,865 |
| Return on assets (ROA) | 0.0055% | 5,894 |
| Pretax return on assets | 0.0069% | 5,887 |
| Return on Equity (ROE) | 0.0276% | 5,894 |
| Retained earnings to average equity (ytd only) | 0.0276% | 5,496 |
| Net charge-offs to loans | 0.0127% | 4,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,892 |
| Efficiency ratio | 99.7208% | 291 |
| Assets per employee ($millions) | 3.9514% | 4,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 2,820 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 5,024 |
| Noncurrent loans to loans | 0.6568% | 3,221 |
| Net loans and leases to total assets | 21.3357% | 6,034 |
| Net loans and leases to deposits | 26.7892% | 6,027 |
| Net loans and leases to core deposits | 27.1540% | 6,030 |
| Total domestic deposits to total assets | 79.6429% | 4,829 |
| Equity capital to assets | 20.3501% | 202 |
| Core capital (leverage) ratio | 19.6532% | 210 |
| Tier 1 risk-based capital ratio | 85.6830% | 49 |
| Total risk-based capital ratio | 86.8771% | 48 |
| Memoranda: | ||
| Average total assets | $72,249,000 | 5,037 |
| Average earning assets | $67,728,800 | 4,989 |
| Average equity | $14,503,200 | 3,908 |
| Average total loans | $15,722,800 | 5,872 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1335% | 6,176 |
| Cost of funding earning assets | 0.1017% | 6,050 |
| Net interest margin | 2.0318% | 6,132 |
| Noninterest income to average assets | 0.6085% | 2,695 |
| Noninterest expense to average assets | 2.4486% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0460% | 5,894 |
| Return on assets (ROA) | 0.0460% | 5,939 |
| Pretax return on assets | 0.0698% | 5,917 |
| Return on Equity (ROE) | 0.2297% | 5,952 |
| Retained earnings to average equity (ytd only) | 0.2297% | 5,542 |
| Net charge-offs to loans | 0.0169% | 3,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 18.9775% | 1,971 |
| Efficiency ratio | 97.2263% | 382 |
| Assets per employee ($millions) | 4.0865% | 3,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 3,166 |
| Loan loss allowance to noncurrent loans | 202.0000% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1359% | 5,209 |
| Noncurrent loans to loans | 0.6374% | 3,407 |
| Net loans and leases to total assets | 21.0531% | 6,123 |
| Net loans and leases to deposits | 26.2902% | 6,125 |
| Net loans and leases to core deposits | 26.6339% | 6,132 |
| Total domestic deposits to total assets | 80.0794% | 4,726 |
| Equity capital to assets | 19.8757% | 241 |
| Core capital (leverage) ratio | 19.7736% | 216 |
| Tier 1 risk-based capital ratio | 86.0717% | 51 |
| Total risk-based capital ratio | 87.2695% | 50 |
| Memoranda: | ||
| Average total assets | $72,530,000 | 5,088 |
| Average earning assets | $68,180,750 | 5,039 |
| Average equity | $14,510,500 | 3,944 |
| Average total loans | $15,809,250 | 5,948 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1472% | 6,249 |
| Cost of funding earning assets | 0.1029% | 6,123 |
| Net interest margin | 2.0443% | 6,196 |
| Noninterest income to average assets | 0.7314% | 2,082 |
| Noninterest expense to average assets | 2.3744% | 4,642 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1773% | 5,745 |
| Return on assets (ROA) | 0.1773% | 5,805 |
| Pretax return on assets | 0.2826% | 5,687 |
| Return on Equity (ROE) | 0.8843% | 5,916 |
| Retained earnings to average equity (ytd only) | 0.8843% | 5,210 |
| Net charge-offs to loans | 0.0126% | 3,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 102.0000% | 592 |
| Efficiency ratio | 89.3639% | 800 |
| Assets per employee ($millions) | 4.0690% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 3,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 20.9934% | 6,196 |
| Net loans and leases to deposits | 26.2116% | 6,196 |
| Net loans and leases to core deposits | 26.5552% | 6,197 |
| Total domestic deposits to total assets | 80.0920% | 4,844 |
| Equity capital to assets | 19.8916% | 230 |
| Core capital (leverage) ratio | 19.8041% | 213 |
| Tier 1 risk-based capital ratio | 94.7098% | 49 |
| Total risk-based capital ratio | 95.9591% | 49 |
| Memoranda: | ||
| Average total assets | $72,187,670 | 5,152 |
| Average earning assets | $67,995,330 | 5,101 |
| Average equity | $14,474,000 | 3,970 |
| Average total loans | $15,849,670 | 6,010 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1641% | 6,317 |
| Cost of funding earning assets | 0.1005% | 6,207 |
| Net interest margin | 2.0635% | 6,255 |
| Noninterest income to average assets | 0.3517% | 4,383 |
| Noninterest expense to average assets | 2.3946% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.0614% | 6,066 |
| Return on assets (ROA) | -0.0614% | 6,100 |
| Pretax return on assets | -0.0949% | 6,115 |
| Return on Equity (ROE) | -0.3050% | 6,083 |
| Retained earnings to average equity (ytd only) | -0.3050% | 5,438 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1262% | 269 |
| Assets per employee ($millions) | 3.8325% | 4,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2981% | 3,411 |
| Loan loss allowance to noncurrent loans | 171.4286% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.1634% | 5,304 |
| Noncurrent loans to loans | 0.7572% | 3,359 |
| Net loans and leases to total assets | 21.3013% | 6,255 |
| Net loans and leases to deposits | 26.6196% | 6,239 |
| Net loans and leases to core deposits | 26.9705% | 6,249 |
| Total domestic deposits to total assets | 80.0211% | 5,046 |
| Equity capital to assets | 19.9720% | 228 |
| Core capital (leverage) ratio | 20.2187% | 198 |
| Tier 1 risk-based capital ratio | 92.0358% | 60 |
| Total risk-based capital ratio | 92.0358% | 61 |
| Memoranda: | ||
| Average total assets | $71,660,500 | 5,210 |
| Average earning assets | $67,650,500 | 5,153 |
| Average equity | $14,426,500 | 4,008 |
| Average total loans | $15,985,000 | 6,054 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3228% | 6,371 |
| Cost of funding earning assets | 0.1035% | 6,315 |
| Net interest margin | 2.2193% | 6,304 |
| Noninterest income to average assets | 0.3480% | 4,617 |
| Noninterest expense to average assets | 2.5536% | 4,383 |
| Loan and lease loss provision to assets | 0.0252% | 4,099 |
| Net operating income to assets | -0.1405% | 6,180 |
| Return on assets (ROA) | -0.1244% | 6,174 |
| Pretax return on assets | -0.1971% | 6,189 |
| Return on Equity (ROE) | -0.6226% | 6,143 |
| Retained earnings to average equity (ytd only) | -0.6226% | 5,866 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.3630% | 241 |
| Assets per employee ($millions) | 3.9169% | 4,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 3,695 |
| Loan loss allowance to noncurrent loans | 130.7692% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2213% | 5,140 |
| Noncurrent loans to loans | 0.9597% | 2,927 |
| Net loans and leases to total assets | 22.7661% | 6,334 |
| Net loans and leases to deposits | 28.5676% | 6,311 |
| Net loans and leases to core deposits | 28.9578% | 6,323 |
| Total domestic deposits to total assets | 79.6919% | 5,096 |
| Equity capital to assets | 20.2967% | 218 |
| Core capital (leverage) ratio | 20.4346% | 195 |
| Tier 1 risk-based capital ratio | 78.8111% | 59 |
| Total risk-based capital ratio | 79.9206% | 59 |
| Memoranda: | ||
| Average total assets | $71,546,000 | 5,243 |
| Average earning assets | $64,748,800 | 5,260 |
| Average equity | $14,295,800 | 3,978 |
| Average total loans | $15,558,600 | 6,145 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3483% | 6,449 |
| Cost of funding earning assets | 0.1040% | 6,402 |
| Net interest margin | 2.2443% | 6,364 |
| Noninterest income to average assets | 0.3602% | 4,550 |
| Noninterest expense to average assets | 2.5772% | 4,267 |
| Loan and lease loss provision to assets | 0.0334% | 3,736 |
| Net operating income to assets | -0.1551% | 6,250 |
| Return on assets (ROA) | -0.1337% | 6,247 |
| Pretax return on assets | -0.2135% | 6,257 |
| Return on Equity (ROE) | -0.6717% | 6,204 |
| Retained earnings to average equity (ytd only) | -0.6717% | 5,904 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.0338% | 230 |
| Assets per employee ($millions) | 3.5676% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 3,626 |
| Loan loss allowance to noncurrent loans | 132.4675% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 5,351 |
| Noncurrent loans to loans | 0.9838% | 3,109 |
| Net loans and leases to total assets | 21.6535% | 6,427 |
| Net loans and leases to deposits | 27.0825% | 6,408 |
| Net loans and leases to core deposits | 27.3243% | 6,417 |
| Total domestic deposits to total assets | 79.9540% | 5,112 |
| Equity capital to assets | 20.0221% | 235 |
| Core capital (leverage) ratio | 20.4344% | 198 |
| Tier 1 risk-based capital ratio | 78.8338% | 59 |
| Total risk-based capital ratio | 79.9424% | 58 |
| Memoranda: | ||
| Average total assets | $71,806,500 | 5,288 |
| Average earning assets | $64,101,250 | 5,329 |
| Average equity | $14,292,250 | 3,997 |
| Average total loans | $15,384,500 | 6,220 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3379% | 6,516 |
| Cost of funding earning assets | 0.1068% | 6,463 |
| Net interest margin | 2.2311% | 6,435 |
| Noninterest income to average assets | 0.3585% | 4,551 |
| Noninterest expense to average assets | 2.5014% | 4,571 |
| Loan and lease loss provision to assets | 0.0334% | 3,622 |
| Net operating income to assets | -0.1167% | 6,268 |
| Return on assets (ROA) | -0.1167% | 6,280 |
| Pretax return on assets | -0.2029% | 6,315 |
| Return on Equity (ROE) | -0.5876% | 6,250 |
| Retained earnings to average equity (ytd only) | -0.5876% | 5,793 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2706% | 271 |
| Assets per employee ($millions) | 3.7879% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 4,237 |
| Loan loss allowance to noncurrent loans | 75.0000% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 4,985 |
| Noncurrent loans to loans | 1.6487% | 2,109 |
| Net loans and leases to total assets | 20.8760% | 6,494 |
| Net loans and leases to deposits | 25.7561% | 6,495 |
| Net loans and leases to core deposits | 25.9697% | 6,492 |
| Total domestic deposits to total assets | 81.0526% | 4,963 |
| Equity capital to assets | 18.9316% | 264 |
| Core capital (leverage) ratio | 20.4591% | 186 |
| Tier 1 risk-based capital ratio | 74.9807% | 63 |
| Total risk-based capital ratio | 76.0019% | 63 |
| Memoranda: | ||
| Average total assets | $71,958,330 | 5,335 |
| Average earning assets | $63,646,330 | 5,398 |
| Average equity | $14,294,330 | 3,983 |
| Average total loans | $15,294,670 | 6,276 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3635% | 6,582 |
| Cost of funding earning assets | 0.1166% | 6,507 |
| Net interest margin | 2.2469% | 6,503 |
| Noninterest income to average assets | 0.3140% | 4,851 |
| Noninterest expense to average assets | 2.5693% | 4,382 |
| Loan and lease loss provision to assets | 0.0343% | 3,365 |
| Net operating income to assets | -0.1995% | 6,354 |
| Return on assets (ROA) | -0.1884% | 6,351 |
| Pretax return on assets | -0.2912% | 6,390 |
| Return on Equity (ROE) | -0.9250% | 6,292 |
| Retained earnings to average equity (ytd only) | -0.9250% | 5,715 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.9403% | 245 |
| Assets per employee ($millions) | 3.9209% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 4,162 |
| Loan loss allowance to noncurrent loans | 52.6027% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5172% | 4,604 |
| Noncurrent loans to loans | 2.4579% | 1,418 |
| Net loans and leases to total assets | 20.7691% | 6,562 |
| Net loans and leases to deposits | 26.0434% | 6,544 |
| Net loans and leases to core deposits | 26.1615% | 6,552 |
| Total domestic deposits to total assets | 79.7481% | 5,535 |
| Equity capital to assets | 20.2406% | 204 |
| Core capital (leverage) ratio | 20.9099% | 166 |
| Tier 1 risk-based capital ratio | 79.4169% | 64 |
| Total risk-based capital ratio | 80.4652% | 65 |
| Memoranda: | ||
| Average total assets | $70,059,000 | 5,443 |
| Average earning assets | $61,773,000 | 5,513 |
| Average equity | $14,270,500 | 3,993 |
| Average total loans | $14,935,500 | 6,349 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4712% | 6,625 |
| Cost of funding earning assets | 0.1175% | 6,635 |
| Net interest margin | 2.3537% | 6,483 |
| Noninterest income to average assets | 0.3627% | 4,712 |
| Noninterest expense to average assets | 2.5318% | 4,667 |
| Loan and lease loss provision to assets | 0.0358% | 4,403 |
| Net operating income to assets | -0.0803% | 6,281 |
| Return on assets (ROA) | -0.0803% | 6,305 |
| Pretax return on assets | -0.1376% | 6,316 |
| Return on Equity (ROE) | -0.3875% | 6,285 |
| Retained earnings to average equity (ytd only) | -0.3875% | 5,948 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1888% | 367 |
| Assets per employee ($millions) | 4.0907% | 3,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2383% | 4,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 21.3324% | 6,649 |
| Net loans and leases to deposits | 26.8356% | 6,629 |
| Net loans and leases to core deposits | 27.5283% | 6,632 |
| Total domestic deposits to total assets | 79.4930% | 5,550 |
| Equity capital to assets | 20.4998% | 185 |
| Core capital (leverage) ratio | 20.5289% | 173 |
| Tier 1 risk-based capital ratio | 77.8169% | 63 |
| Total risk-based capital ratio | 78.8097% | 63 |
| Memoranda: | ||
| Average total assets | $69,752,000 | 5,491 |
| Average earning assets | $61,266,400 | 5,557 |
| Average equity | $14,451,800 | 3,979 |
| Average total loans | $14,898,600 | 6,425 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4674% | 6,703 |
| Cost of funding earning assets | 0.1195% | 6,725 |
| Net interest margin | 2.3480% | 6,558 |
| Noninterest income to average assets | 0.4374% | 4,246 |
| Noninterest expense to average assets | 2.5518% | 4,544 |
| Loan and lease loss provision to assets | 0.0363% | 4,291 |
| Net operating income to assets | -0.0554% | 6,341 |
| Return on assets (ROA) | -0.0554% | 6,381 |
| Pretax return on assets | -0.0860% | 6,388 |
| Return on Equity (ROE) | -0.2667% | 6,367 |
| Retained earnings to average equity (ytd only) | -0.2667% | 5,995 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.9847% | 405 |
| Assets per employee ($millions) | 3.9043% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 4,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 20.6893% | 6,740 |
| Net loans and leases to deposits | 26.0256% | 6,728 |
| Net loans and leases to core deposits | 26.6892% | 6,734 |
| Total domestic deposits to total assets | 79.4957% | 5,631 |
| Equity capital to assets | 20.4673% | 191 |
| Core capital (leverage) ratio | 21.3107% | 151 |
| Tier 1 risk-based capital ratio | 80.2627% | 60 |
| Total risk-based capital ratio | 81.2517% | 60 |
| Memoranda: | ||
| Average total assets | $69,804,500 | 5,539 |
| Average earning assets | $61,384,750 | 5,617 |
| Average equity | $14,500,750 | 4,014 |
| Average total loans | $14,868,000 | 6,488 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5056% | 6,732 |
| Cost of funding earning assets | 0.1221% | 6,775 |
| Net interest margin | 2.3835% | 6,566 |
| Noninterest income to average assets | 0.4365% | 4,272 |
| Noninterest expense to average assets | 2.5385% | 4,599 |
| Loan and lease loss provision to assets | 0.0345% | 4,252 |
| Net operating income to assets | -0.0459% | 6,353 |
| Return on assets (ROA) | -0.0459% | 6,403 |
| Pretax return on assets | -0.0632% | 6,405 |
| Return on Equity (ROE) | -0.2201% | 6,385 |
| Retained earnings to average equity (ytd only) | -0.2201% | 5,898 |
| Net charge-offs to loans | -0.0134% | 5,834 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.1442% | 451 |
| Assets per employee ($millions) | 3.7323% | 4,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1884% | 5,048 |
| Loan loss allowance to noncurrent loans | 164.1509% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.1495% | 6,045 |
| Noncurrent loans to loans | 0.7239% | 4,478 |
| Net loans and leases to total assets | 20.4025% | 6,786 |
| Net loans and leases to deposits | 25.5542% | 6,772 |
| Net loans and leases to core deposits | 26.1964% | 6,776 |
| Total domestic deposits to total assets | 79.8401% | 5,645 |
| Equity capital to assets | 20.1529% | 202 |
| Core capital (leverage) ratio | 20.8571% | 151 |
| Tier 1 risk-based capital ratio | 79.1168% | 57 |
| Total risk-based capital ratio | 80.0584% | 57 |
| Memoranda: | ||
| Average total assets | $69,646,670 | 5,582 |
| Average earning assets | $60,583,670 | 5,673 |
| Average equity | $14,539,670 | 4,040 |
| Average total loans | $14,917,330 | 6,521 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5951% | 6,783 |
| Cost of funding earning assets | 0.1149% | 6,876 |
| Net interest margin | 2.4802% | 6,530 |
| Noninterest income to average assets | 0.4173% | 4,327 |
| Noninterest expense to average assets | 2.5328% | 4,646 |
| Loan and lease loss provision to assets | 0.0348% | 4,013 |
| Net operating income to assets | 0.0058% | 6,334 |
| Return on assets (ROA) | 0.0058% | 6,409 |
| Pretax return on assets | -0.0232% | 6,428 |
| Return on Equity (ROE) | 0.0273% | 6,415 |
| Retained earnings to average equity (ytd only) | 0.0273% | 5,759 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5444% | 567 |
| Assets per employee ($millions) | 3.7291% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 20.7698% | 6,839 |
| Net loans and leases to deposits | 26.2093% | 6,816 |
| Net loans and leases to core deposits | 26.8726% | 6,827 |
| Total domestic deposits to total assets | 79.2458% | 5,919 |
| Equity capital to assets | 20.7077% | 189 |
| Core capital (leverage) ratio | 21.3275% | 152 |
| Tier 1 risk-based capital ratio | 77.2878% | 67 |
| Total risk-based capital ratio | 78.1697% | 65 |
| Memoranda: | ||
| Average total assets | $69,013,500 | 5,656 |
| Average earning assets | $59,188,500 | 5,771 |
| Average equity | $14,664,000 | 4,062 |
| Average total loans | $15,055,000 | 6,577 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8502% | 6,839 |
| Cost of funding earning assets | 0.1317% | 6,959 |
| Net interest margin | 2.7185% | 6,492 |
| Noninterest income to average assets | 0.4694% | 4,105 |
| Noninterest expense to average assets | 2.5393% | 4,968 |
| Loan and lease loss provision to assets | 0.0406% | 5,357 |
| Net operating income to assets | 0.1399% | 5,913 |
| Return on assets (ROA) | 0.1399% | 6,067 |
| Pretax return on assets | 0.2181% | 5,962 |
| Return on Equity (ROE) | 0.6371% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.6371% | 5,543 |
| Net charge-offs to loans | 0.0145% | 5,706 |
| Credit loss provision to net charge-offs | 1,350.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 452 |
| Efficiency ratio | 90.7527% | 1,009 |
| Assets per employee ($millions) | 3.5355% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0573% | 5,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 22.4283% | 6,887 |
| Net loans and leases to deposits | 28.7174% | 6,858 |
| Net loans and leases to core deposits | 29.4955% | 6,856 |
| Total domestic deposits to total assets | 78.1002% | 6,064 |
| Equity capital to assets | 21.8180% | 158 |
| Core capital (leverage) ratio | 22.2325% | 129 |
| Tier 1 risk-based capital ratio | 82.7865% | 60 |
| Total risk-based capital ratio | 83.6973% | 60 |
| Memoranda: | ||
| Average total assets | $66,474,600 | 5,725 |
| Average earning assets | $56,943,000 | 5,839 |
| Average equity | $14,598,400 | 4,041 |
| Average total loans | $13,832,000 | 6,703 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8404% | 6,959 |
| Cost of funding earning assets | 0.1357% | 7,068 |
| Net interest margin | 2.7047% | 6,640 |
| Noninterest income to average assets | 0.4766% | 4,089 |
| Noninterest expense to average assets | 2.5701% | 4,845 |
| Loan and lease loss provision to assets | 0.0422% | 5,245 |
| Net operating income to assets | 0.1227% | 6,086 |
| Return on assets (ROA) | 0.1227% | 6,227 |
| Pretax return on assets | 0.1890% | 6,143 |
| Return on Equity (ROE) | 0.5577% | 6,336 |
| Retained earnings to average equity (ytd only) | 0.5577% | 5,926 |
| Net charge-offs to loans | 0.0099% | 5,574 |
| Credit loss provision to net charge-offs | 2,100.0000% | 128 |
| Earnings coverage of net charge-offs (x) | 115.2857% | 374 |
| Efficiency ratio | 91.7444% | 900 |
| Assets per employee ($millions) | 3.3227% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 5,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 22.4986% | 6,997 |
| Net loans and leases to deposits | 28.8713% | 6,969 |
| Net loans and leases to core deposits | 29.6629% | 6,970 |
| Total domestic deposits to total assets | 77.9273% | 6,095 |
| Equity capital to assets | 22.0201% | 169 |
| Core capital (leverage) ratio | 22.4891% | 130 |
| Tier 1 risk-based capital ratio | 83.4085% | 58 |
| Total risk-based capital ratio | 84.2995% | 59 |
| Memoranda: | ||
| Average total assets | $66,299,750 | 5,804 |
| Average earning assets | $56,985,500 | 5,905 |
| Average equity | $14,584,000 | 4,081 |
| Average total loans | $13,483,250 | 6,806 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7772% | 7,051 |
| Cost of funding earning assets | 0.1394% | 7,137 |
| Net interest margin | 2.6378% | 6,789 |
| Noninterest income to average assets | 0.4679% | 4,147 |
| Noninterest expense to average assets | 2.5842% | 4,831 |
| Loan and lease loss provision to assets | 0.0453% | 5,107 |
| Net operating income to assets | 0.0815% | 6,201 |
| Return on assets (ROA) | 0.0815% | 6,344 |
| Pretax return on assets | 0.1238% | 6,277 |
| Return on Equity (ROE) | 0.3707% | 6,410 |
| Retained earnings to average equity (ytd only) | 0.3707% | 5,920 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8596% | 808 |
| Assets per employee ($millions) | 3.4718% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 6,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 23.8490% | 7,039 |
| Net loans and leases to deposits | 30.6410% | 6,991 |
| Net loans and leases to core deposits | 31.6469% | 6,996 |
| Total domestic deposits to total assets | 77.8337% | 6,184 |
| Equity capital to assets | 22.1208% | 153 |
| Core capital (leverage) ratio | 22.3949% | 125 |
| Tier 1 risk-based capital ratio | 81.0379% | 58 |
| Total risk-based capital ratio | 81.8779% | 58 |
| Memoranda: | ||
| Average total assets | $66,248,670 | 5,836 |
| Average earning assets | $57,396,000 | 5,930 |
| Average equity | $14,567,670 | 4,077 |
| Average total loans | $12,942,000 | 6,887 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7017% | 7,139 |
| Cost of funding earning assets | 0.1400% | 7,207 |
| Net interest margin | 2.5617% | 6,907 |
| Noninterest income to average assets | 0.4519% | 4,279 |
| Noninterest expense to average assets | 2.5787% | 4,889 |
| Loan and lease loss provision to assets | 0.0361% | 4,931 |
| Net operating income to assets | 0.0422% | 6,350 |
| Return on assets (ROA) | 0.0422% | 6,467 |
| Pretax return on assets | 0.0422% | 6,464 |
| Return on Equity (ROE) | 0.1924% | 6,489 |
| Retained earnings to average equity (ytd only) | 0.1924% | 5,916 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0522% | 676 |
| Assets per employee ($millions) | 3.4541% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 17.0781% | 7,176 |
| Net loans and leases to deposits | 21.9545% | 7,169 |
| Net loans and leases to core deposits | 22.7990% | 7,167 |
| Total domestic deposits to total assets | 77.7884% | 6,297 |
| Equity capital to assets | 22.1826% | 142 |
| Core capital (leverage) ratio | 22.7048% | 124 |
| Tier 1 risk-based capital ratio | 101.7840% | 47 |
| Total risk-based capital ratio | 102.7774% | 47 |
| Memoranda: | ||
| Average total assets | $66,390,500 | 5,871 |
| Average earning assets | $57,148,500 | 5,967 |
| Average equity | $14,555,500 | 4,080 |
| Average total loans | $11,471,500 | 7,005 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9516% | 7,188 |
| Cost of funding earning assets | 0.1867% | 7,249 |
| Net interest margin | 2.7649% | 6,862 |
| Noninterest income to average assets | 0.4724% | 4,043 |
| Noninterest expense to average assets | 2.5575% | 5,257 |
| Loan and lease loss provision to assets | 0.0348% | 6,127 |
| Net operating income to assets | 0.1499% | 5,736 |
| Return on assets (ROA) | 0.1499% | 5,872 |
| Pretax return on assets | 0.2347% | 5,704 |
| Return on Equity (ROE) | 0.6836% | 6,023 |
| Retained earnings to average equity (ytd only) | 0.6836% | 5,527 |
| Net charge-offs to loans | 0.0080% | 6,317 |
| Credit loss provision to net charge-offs | 2,300.0000% | 100 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 193 |
| Efficiency ratio | 90.4660% | 1,153 |
| Assets per employee ($millions) | 3.3577% | 5,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 5,516 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 17.0610% | 7,240 |
| Net loans and leases to deposits | 21.7909% | 7,237 |
| Net loans and leases to core deposits | 22.4912% | 7,230 |
| Total domestic deposits to total assets | 78.2943% | 6,143 |
| Equity capital to assets | 21.6714% | 165 |
| Core capital (leverage) ratio | 22.5509% | 131 |
| Tier 1 risk-based capital ratio | 101.4712% | 49 |
| Total risk-based capital ratio | 102.4195% | 49 |
| Memoranda: | ||
| Average total assets | $66,042,000 | 5,862 |
| Average earning assets | $56,240,400 | 5,972 |
| Average equity | $14,482,200 | 4,012 |
| Average total loans | $12,480,800 | 7,012 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9985% | 7,260 |
| Cost of funding earning assets | 0.1948% | 7,331 |
| Net interest margin | 2.8037% | 6,878 |
| Noninterest income to average assets | 0.4764% | 4,074 |
| Noninterest expense to average assets | 2.6518% | 4,899 |
| Loan and lease loss provision to assets | 0.0385% | 5,959 |
| Net operating income to assets | 0.1156% | 5,926 |
| Return on assets (ROA) | 0.1156% | 6,041 |
| Pretax return on assets | 0.1784% | 5,935 |
| Return on Equity (ROE) | 0.5254% | 6,168 |
| Retained earnings to average equity (ytd only) | 0.5254% | 5,796 |
| Net charge-offs to loans | 0.0105% | 6,007 |
| Credit loss provision to net charge-offs | 1,900.0000% | 141 |
| Earnings coverage of net charge-offs (x) | 107.2632% | 340 |
| Efficiency ratio | 92.4382% | 1,002 |
| Assets per employee ($millions) | 3.4732% | 5,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 5,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 18.1025% | 7,307 |
| Net loans and leases to deposits | 23.2137% | 7,299 |
| Net loans and leases to core deposits | 23.9750% | 7,294 |
| Total domestic deposits to total assets | 77.9818% | 6,200 |
| Equity capital to assets | 21.9742% | 169 |
| Core capital (leverage) ratio | 21.9496% | 154 |
| Tier 1 risk-based capital ratio | 96.3714% | 60 |
| Total risk-based capital ratio | 97.2486% | 60 |
| Memoranda: | ||
| Average total assets | $65,764,250 | 5,921 |
| Average earning assets | $56,115,000 | 6,028 |
| Average equity | $14,464,500 | 4,042 |
| Average total loans | $12,702,750 | 7,069 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0496% | 7,328 |
| Cost of funding earning assets | 0.2016% | 7,414 |
| Net interest margin | 2.8480% | 6,868 |
| Noninterest income to average assets | 0.4841% | 3,988 |
| Noninterest expense to average assets | 2.8102% | 4,388 |
| Loan and lease loss provision to assets | 0.0365% | 5,862 |
| Net operating income to assets | 0.0457% | 6,128 |
| Return on assets (ROA) | 0.0457% | 6,209 |
| Pretax return on assets | 0.0457% | 6,195 |
| Return on Equity (ROE) | 0.2076% | 6,265 |
| Retained earnings to average equity (ytd only) | 0.2076% | 5,755 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1579% | 827 |
| Assets per employee ($millions) | 3.3630% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 6,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 18.2221% | 7,388 |
| Net loans and leases to deposits | 23.2310% | 7,381 |
| Net loans and leases to core deposits | 23.9721% | 7,379 |
| Total domestic deposits to total assets | 78.4386% | 6,206 |
| Equity capital to assets | 21.4975% | 195 |
| Core capital (leverage) ratio | 22.3668% | 149 |
| Tier 1 risk-based capital ratio | 92.9899% | 59 |
| Total risk-based capital ratio | 93.8002% | 59 |
| Memoranda: | ||
| Average total assets | $65,688,670 | 5,968 |
| Average earning assets | $55,547,670 | 6,098 |
| Average equity | $14,452,330 | 4,024 |
| Average total loans | $12,911,000 | 7,132 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1672% | 7,352 |
| Cost of funding earning assets | 0.2121% | 7,472 |
| Net interest margin | 2.9551% | 6,664 |
| Noninterest income to average assets | 0.4499% | 4,291 |
| Noninterest expense to average assets | 2.8720% | 4,178 |
| Loan and lease loss provision to assets | 0.0370% | 5,526 |
| Net operating income to assets | 0.0616% | 6,206 |
| Return on assets (ROA) | 0.0616% | 6,249 |
| Pretax return on assets | 0.0308% | 6,302 |
| Return on Equity (ROE) | 0.2768% | 6,316 |
| Retained earnings to average equity (ytd only) | 0.2768% | 5,697 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6939% | 850 |
| Assets per employee ($millions) | 3.2816% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 6,599 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 19.3293% | 7,428 |
| Net loans and leases to deposits | 24.7943% | 7,420 |
| Net loans and leases to core deposits | 25.5287% | 7,420 |
| Total domestic deposits to total assets | 77.9586% | 6,389 |
| Equity capital to assets | 22.0231% | 170 |
| Core capital (leverage) ratio | 22.5657% | 151 |
| Tier 1 risk-based capital ratio | 88.8985% | 62 |
| Total risk-based capital ratio | 89.6365% | 60 |
| Memoranda: | ||
| Average total assets | $64,903,500 | 6,033 |
| Average earning assets | $54,685,000 | 6,180 |
| Average equity | $14,449,000 | 4,007 |
| Average total loans | $13,175,500 | 7,178 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2976% | 7,445 |
| Cost of funding earning assets | 0.2355% | 7,535 |
| Net interest margin | 3.0620% | 6,615 |
| Noninterest income to average assets | 0.4981% | 4,186 |
| Noninterest expense to average assets | 2.6795% | 5,085 |
| Loan and lease loss provision to assets | 0.0406% | 6,755 |
| Net operating income to assets | 0.3373% | 4,797 |
| Return on assets (ROA) | 0.3373% | 4,959 |
| Pretax return on assets | 0.5387% | 4,505 |
| Return on Equity (ROE) | 1.5078% | 5,557 |
| Retained earnings to average equity (ytd only) | 1.5078% | 4,778 |
| Net charge-offs to loans | 0.0517% | 6,272 |
| Credit loss provision to net charge-offs | 371.4286% | 684 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 440 |
| Efficiency ratio | 82.2233% | 2,134 |
| Assets per employee ($millions) | 3.0560% | 5,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 6,875 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 20.9284% | 7,511 |
| Net loans and leases to deposits | 27.0377% | 7,501 |
| Net loans and leases to core deposits | 27.8617% | 7,496 |
| Total domestic deposits to total assets | 77.4043% | 6,419 |
| Equity capital to assets | 22.5069% | 167 |
| Core capital (leverage) ratio | 22.6477% | 157 |
| Tier 1 risk-based capital ratio | 87.8535% | 57 |
| Total risk-based capital ratio | 88.5469% | 57 |
| Memoranda: | ||
| Average total assets | $64,040,800 | 6,059 |
| Average earning assets | $57,739,600 | 6,072 |
| Average equity | $14,325,400 | 4,065 |
| Average total loans | $13,531,800 | 7,227 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3179% | 7,578 |
| Cost of funding earning assets | 0.2381% | 7,659 |
| Net interest margin | 3.0798% | 6,658 |
| Noninterest income to average assets | 0.4999% | 4,189 |
| Noninterest expense to average assets | 2.7725% | 4,589 |
| Loan and lease loss provision to assets | 0.0417% | 6,668 |
| Net operating income to assets | 0.3083% | 5,134 |
| Return on assets (ROA) | 0.3083% | 5,307 |
| Pretax return on assets | 0.4874% | 4,970 |
| Return on Equity (ROE) | 1.3803% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.3803% | 5,254 |
| Net charge-offs to loans | 0.0690% | 5,825 |
| Credit loss provision to net charge-offs | 285.7143% | 1,128 |
| Earnings coverage of net charge-offs (x) | 36.2980% | 754 |
| Efficiency ratio | 83.9748% | 1,841 |
| Assets per employee ($millions) | 3.1471% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 7,049 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 20.8337% | 7,614 |
| Net loans and leases to deposits | 26.6614% | 7,610 |
| Net loans and leases to core deposits | 27.4398% | 7,602 |
| Total domestic deposits to total assets | 78.1419% | 6,234 |
| Equity capital to assets | 21.7522% | 201 |
| Core capital (leverage) ratio | 22.7052% | 159 |
| Tier 1 risk-based capital ratio | 76.1400% | 70 |
| Total risk-based capital ratio | 76.7120% | 70 |
| Memoranda: | ||
| Average total assets | $64,007,000 | 6,133 |
| Average earning assets | $58,227,500 | 6,121 |
| Average equity | $14,295,750 | 4,134 |
| Average total loans | $13,528,500 | 7,321 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3315% | 7,653 |
| Cost of funding earning assets | 0.2385% | 7,735 |
| Net interest margin | 3.0931% | 6,624 |
| Noninterest income to average assets | 0.5117% | 4,016 |
| Noninterest expense to average assets | 2.9252% | 3,983 |
| Loan and lease loss provision to assets | 0.0379% | 6,579 |
| Net operating income to assets | 0.2843% | 5,245 |
| Return on assets (ROA) | 0.2843% | 5,393 |
| Pretax return on assets | 0.4170% | 5,171 |
| Return on Equity (ROE) | 1.2615% | 5,879 |
| Retained earnings to average equity (ytd only) | 1.2615% | 5,250 |
| Net charge-offs to loans | 0.0746% | 5,398 |
| Credit loss provision to net charge-offs | 240.0000% | 1,601 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 944 |
| Efficiency ratio | 86.5421% | 1,652 |
| Assets per employee ($millions) | 2.9878% | 6,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 7,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 23.0428% | 7,655 |
| Net loans and leases to deposits | 29.8954% | 7,641 |
| Net loans and leases to core deposits | 30.8266% | 7,648 |
| Total domestic deposits to total assets | 77.0783% | 6,489 |
| Equity capital to assets | 22.8197% | 174 |
| Core capital (leverage) ratio | 23.0215% | 153 |
| Tier 1 risk-based capital ratio | 79.9978% | 68 |
| Total risk-based capital ratio | 80.5677% | 68 |
| Memoranda: | ||
| Average total assets | $63,312,670 | 6,200 |
| Average earning assets | $58,711,670 | 6,150 |
| Average equity | $14,269,000 | 4,144 |
| Average total loans | $13,412,330 | 7,380 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2765% | 7,760 |
| Cost of funding earning assets | 0.2407% | 7,843 |
| Net interest margin | 3.0358% | 6,750 |
| Noninterest income to average assets | 0.4717% | 4,280 |
| Noninterest expense to average assets | 3.0001% | 3,680 |
| Loan and lease loss provision to assets | 0.0126% | 6,489 |
| Net operating income to assets | 0.2076% | 5,658 |
| Return on assets (ROA) | 0.2076% | 5,777 |
| Pretax return on assets | 0.3145% | 5,561 |
| Return on Equity (ROE) | 0.9267% | 6,136 |
| Retained earnings to average equity (ytd only) | 0.9267% | 5,447 |
| Net charge-offs to loans | 0.0312% | 5,139 |
| Credit loss provision to net charge-offs | 200.0000% | 1,845 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 555 |
| Efficiency ratio | 90.1701% | 1,425 |
| Assets per employee ($millions) | 3.1343% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6772% | 7,380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 22.4599% | 7,754 |
| Net loans and leases to deposits | 29.5362% | 7,735 |
| Net loans and leases to core deposits | 30.2391% | 7,743 |
| Total domestic deposits to total assets | 76.0421% | 6,750 |
| Equity capital to assets | 22.7503% | 187 |
| Core capital (leverage) ratio | 22.8498% | 169 |
| Tier 1 risk-based capital ratio | 82.0163% | 64 |
| Total risk-based capital ratio | 82.5684% | 65 |
| Memoranda: | ||
| Average total assets | $63,597,000 | 6,255 |
| Average earning assets | $59,820,000 | 6,179 |
| Average equity | $14,244,500 | 4,184 |
| Average total loans | $12,838,500 | 7,507 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7200% | 7,777 |
| Cost of funding earning assets | 0.3686% | 7,882 |
| Net interest margin | 3.3514% | 5,551 |
| Noninterest income to average assets | 0.5215% | 4,249 |
| Noninterest expense to average assets | 2.8254% | 4,860 |
| Loan and lease loss provision to assets | 0.0048% | 7,406 |
| Net operating income to assets | 0.4182% | 4,058 |
| Return on assets (ROA) | 0.4182% | 4,156 |
| Pretax return on assets | 0.7007% | 3,568 |
| Return on Equity (ROE) | 1.8387% | 4,967 |
| Retained earnings to average equity (ytd only) | 1.8387% | 3,808 |
| Net charge-offs to loans | 0.0604% | 6,492 |
| Credit loss provision to net charge-offs | 42.8571% | 6,808 |
| Earnings coverage of net charge-offs (x) | 62.4286% | 434 |
| Efficiency ratio | 80.0183% | 2,888 |
| Assets per employee ($millions) | 3.7946% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 7,059 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 17.6828% | 7,886 |
| Net loans and leases to deposits | 22.7122% | 7,893 |
| Net loans and leases to core deposits | 23.4577% | 7,904 |
| Total domestic deposits to total assets | 77.8558% | 6,254 |
| Equity capital to assets | 22.0558% | 223 |
| Core capital (leverage) ratio | 22.7881% | 194 |
| Tier 1 risk-based capital ratio | 94.8850% | 57 |
| Total risk-based capital ratio | 95.5185% | 57 |
| Memoranda: | ||
| Average total assets | $61,937,600 | 6,272 |
| Average earning assets | $55,618,600 | 6,311 |
| Average equity | $14,086,200 | 4,229 |
| Average total loans | $11,581,200 | 7,622 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8316% | 7,855 |
| Cost of funding earning assets | 0.4086% | 7,971 |
| Net interest margin | 3.4230% | 5,171 |
| Noninterest income to average assets | 0.5308% | 4,230 |
| Noninterest expense to average assets | 2.9627% | 4,198 |
| Loan and lease loss provision to assets | 0.0065% | 7,253 |
| Net operating income to assets | 0.3741% | 4,495 |
| Return on assets (ROA) | 0.3741% | 4,603 |
| Pretax return on assets | 0.6047% | 4,169 |
| Return on Equity (ROE) | 1.6322% | 5,293 |
| Retained earnings to average equity (ytd only) | 1.6322% | 4,400 |
| Net charge-offs to loans | 0.0804% | 5,872 |
| Credit loss provision to net charge-offs | 42.8571% | 6,395 |
| Earnings coverage of net charge-offs (x) | 40.1565% | 746 |
| Efficiency ratio | 82.8971% | 2,442 |
| Assets per employee ($millions) | 3.1429% | 5,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8157% | 7,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 19.3432% | 7,955 |
| Net loans and leases to deposits | 25.6057% | 7,951 |
| Net loans and leases to core deposits | 26.4816% | 7,966 |
| Total domestic deposits to total assets | 75.5426% | 6,668 |
| Equity capital to assets | 23.6821% | 202 |
| Core capital (leverage) ratio | 23.3328% | 201 |
| Tier 1 risk-based capital ratio | 96.0277% | 67 |
| Total risk-based capital ratio | 96.6728% | 67 |
| Memoranda: | ||
| Average total assets | $61,294,750 | 6,343 |
| Average earning assets | $54,493,250 | 6,402 |
| Average equity | $14,050,750 | 4,285 |
| Average total loans | $11,601,000 | 7,696 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8508% | 7,956 |
| Cost of funding earning assets | 0.4494% | 8,058 |
| Net interest margin | 3.4014% | 5,163 |
| Noninterest income to average assets | 0.5047% | 4,405 |
| Noninterest expense to average assets | 2.9246% | 4,413 |
| Loan and lease loss provision to assets | 0.0032% | 7,142 |
| Net operating income to assets | 0.3688% | 4,628 |
| Return on assets (ROA) | 0.3688% | 4,723 |
| Pretax return on assets | 0.5888% | 4,353 |
| Return on Equity (ROE) | 1.6262% | 5,427 |
| Retained earnings to average equity (ytd only) | 1.6262% | 4,431 |
| Net charge-offs to loans | 0.0863% | 5,346 |
| Credit loss provision to net charge-offs | 20.0000% | 6,125 |
| Earnings coverage of net charge-offs (x) | 36.6000% | 866 |
| Efficiency ratio | 83.1647% | 2,584 |
| Assets per employee ($millions) | 3.0840% | 5,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 7,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 18.6141% | 8,046 |
| Net loans and leases to deposits | 24.1675% | 8,048 |
| Net loans and leases to core deposits | 25.4511% | 8,058 |
| Total domestic deposits to total assets | 77.0214% | 6,323 |
| Equity capital to assets | 22.8327% | 255 |
| Core capital (leverage) ratio | 22.3728% | 264 |
| Tier 1 risk-based capital ratio | 96.0838% | 69 |
| Total risk-based capital ratio | 96.7319% | 69 |
| Memoranda: | ||
| Average total assets | $61,821,000 | 6,382 |
| Average earning assets | $54,742,000 | 6,439 |
| Average equity | $14,020,330 | 4,301 |
| Average total loans | $11,586,000 | 7,775 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9598% | 8,000 |
| Cost of funding earning assets | 0.4913% | 8,103 |
| Net interest margin | 3.4686% | 4,857 |
| Noninterest income to average assets | 0.4589% | 4,692 |
| Noninterest expense to average assets | 2.9406% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2585% | 5,450 |
| Return on assets (ROA) | 0.2585% | 5,616 |
| Pretax return on assets | 0.5300% | 4,976 |
| Return on Equity (ROE) | 1.1438% | 6,086 |
| Retained earnings to average equity (ytd only) | 1.1438% | 5,185 |
| Net charge-offs to loans | 0.1380% | 3,855 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 20.5000% | 1,369 |
| Efficiency ratio | 84.7300% | 2,221 |
| Assets per employee ($millions) | 3.3749% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 7,142 |
| 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% | 7,590 |
| Net loans and leases to total assets | 18.2693% | 8,104 |
| Net loans and leases to deposits | 23.4216% | 8,108 |
| Net loans and leases to core deposits | 24.2065% | 8,121 |
| Total domestic deposits to total assets | 78.0020% | 6,018 |
| Equity capital to assets | 21.8467% | 311 |
| Core capital (leverage) ratio | 23.1841% | 275 |
| Tier 1 risk-based capital ratio | 87.3978% | 75 |
| Total risk-based capital ratio | 87.9905% | 75 |
| Memoranda: | ||
| Average total assets | $61,892,000 | 6,404 |
| Average earning assets | $53,739,500 | 6,512 |
| Average equity | $13,989,000 | 4,337 |
| Average total loans | $11,591,000 | 7,821 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 8,074 |
| Cost of funding earning assets | 0.6395% | 8,169 |
| Net interest margin | 3.5815% | 4,971 |
| Noninterest income to average assets | 0.5461% | 4,258 |
| Noninterest expense to average assets | 2.9411% | 4,298 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5461% | 4,548 |
| Return on assets (ROA) | 0.5461% | 4,400 |
| Pretax return on assets | 0.8601% | 3,853 |
| Return on Equity (ROE) | 2.3770% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.3770% | 3,722 |
| Net charge-offs to loans | 0.0500% | 6,076 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 103.0000% | 419 |
| Efficiency ratio | 77.3726% | 3,023 |
| Assets per employee ($millions) | 3.1400% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8706% | 6,804 |
| 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 | 18.8954% | 8,161 |
| Net loans and leases to deposits | 24.7025% | 8,168 |
| Net loans and leases to core deposits | 25.6094% | 8,175 |
| Total domestic deposits to total assets | 76.4918% | 6,126 |
| Equity capital to assets | 23.4143% | 304 |
| Core capital (leverage) ratio | 23.1294% | 304 |
| Tier 1 risk-based capital ratio | 92.2046% | 87 |
| Total risk-based capital ratio | 92.8581% | 86 |
| Memoranda: | ||
| Average total assets | $59,875,200 | 6,386 |
| Average earning assets | $54,418,600 | 6,390 |
| Average equity | $13,757,000 | 4,390 |
| Average total loans | $10,002,000 | 7,941 |