Home > Carroll Community Bank > Performance and Condition Ratios
Carroll Community Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 2,041 |
| Cost of funding earning assets | 0.8419% | 1,299 |
| Net interest margin | 3.4785% | 2,662 |
| Noninterest income to average assets | 0.3352% | 3,475 |
| Noninterest expense to average assets | 3.6881% | 543 |
| Loan and lease loss provision to assets | 0.0999% | 3,073 |
| Net operating income to assets | -0.1397% | 4,825 |
| Return on assets (ROA) | -0.1397% | 4,835 |
| Pretax return on assets | -0.2071% | 4,837 |
| Return on Equity (ROE) | -1.4440% | 4,846 |
| Retained earnings to average equity (ytd only) | -1.4440% | 4,658 |
| Net charge-offs to loans | 0.1128% | 1,219 |
| Credit loss provision to net charge-offs | 108.6614% | 2,562 |
| Earnings coverage of net charge-offs (x) | -1.1654% | 3,158 |
| Efficiency ratio | 102.9923% | 146 |
| Assets per employee ($millions) | 5.8720% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7703% | 4,437 |
| Loan loss allowance to noncurrent loans | 491.3793% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.9332% | 1,222 |
| Noncurrent loans to loans | 0.1568% | 3,759 |
| Net loans and leases to total assets | 83.3651% | 331 |
| Net loans and leases to deposits | 101.1558% | 490 |
| Net loans and leases to core deposits | 113.9744% | 558 |
| Total domestic deposits to total assets | 82.4126% | 3,311 |
| Equity capital to assets | 10.1544% | 3,098 |
| Core capital (leverage) ratio | 9.8771% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1845% | 2,115 |
| Memoranda: | ||
| Average total assets | $184,153,250 | 3,058 |
| Average earning assets | $171,830,750 | 3,039 |
| Average equity | $17,820,000 | 3,381 |
| Average total loans | $150,092,750 | 2,668 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2731% | 2,538 |
| Cost of funding earning assets | 0.9369% | 1,205 |
| Net interest margin | 3.3361% | 3,289 |
| Noninterest income to average assets | 0.4593% | 2,769 |
| Noninterest expense to average assets | 3.3123% | 977 |
| Loan and lease loss provision to assets | 0.1477% | 2,530 |
| Net operating income to assets | 0.0514% | 4,728 |
| Return on assets (ROA) | 0.0514% | 4,754 |
| Pretax return on assets | 0.1060% | 4,717 |
| Return on Equity (ROE) | 0.5394% | 4,745 |
| Retained earnings to average equity (ytd only) | 0.5394% | 4,204 |
| Net charge-offs to loans | 0.1233% | 1,105 |
| Credit loss provision to net charge-offs | 148.3871% | 2,136 |
| Earnings coverage of net charge-offs (x) | 2.5484% | 2,762 |
| Efficiency ratio | 92.8850% | 321 |
| Assets per employee ($millions) | 5.9369% | 2,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 4,412 |
| Loan loss allowance to noncurrent loans | 259.7345% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 982 |
| Noncurrent loans to loans | 0.2971% | 3,320 |
| Net loans and leases to total assets | 79.4494% | 664 |
| Net loans and leases to deposits | 99.5357% | 582 |
| Net loans and leases to core deposits | 113.7729% | 604 |
| Total domestic deposits to total assets | 79.8200% | 3,875 |
| Equity capital to assets | 9.4163% | 3,730 |
| Core capital (leverage) ratio | 9.1700% | 3,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7887% | 2,279 |
| Memoranda: | ||
| Average total assets | $186,817,667 | 3,026 |
| Average earning assets | $173,973,667 | 3,016 |
| Average equity | $17,797,333 | 3,386 |
| Average total loans | $150,791,667 | 2,651 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4442% | 2,465 |
| Cost of funding earning assets | 1.0965% | 1,055 |
| Net interest margin | 3.3476% | 3,457 |
| Noninterest income to average assets | 0.3347% | 3,521 |
| Noninterest expense to average assets | 3.5954% | 813 |
| Loan and lease loss provision to assets | 0.0626% | 2,979 |
| Net operating income to assets | -0.1339% | 4,818 |
| Return on assets (ROA) | -0.1339% | 4,799 |
| Pretax return on assets | -0.2116% | 4,815 |
| Return on Equity (ROE) | -1.3971% | 4,816 |
| Retained earnings to average equity (ytd only) | -1.3971% | 4,188 |
| Net charge-offs to loans | 0.0426% | 1,607 |
| Credit loss provision to net charge-offs | 181.2500% | 1,472 |
| Earnings coverage of net charge-offs (x) | -4.3125% | 2,515 |
| Efficiency ratio | 104.3233% | 192 |
| Assets per employee ($millions) | 5.6518% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 4,462 |
| Loan loss allowance to noncurrent loans | 348.1707% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 1,192 |
| Noncurrent loans to loans | 0.2224% | 3,686 |
| Net loans and leases to total assets | 78.4638% | 910 |
| Net loans and leases to deposits | 105.1564% | 324 |
| Net loans and leases to core deposits | 121.9832% | 411 |
| Total domestic deposits to total assets | 74.6162% | 4,611 |
| Equity capital to assets | 9.5282% | 4,190 |
| Core capital (leverage) ratio | 9.5858% | 3,899 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5250% | 2,466 |
| Memoranda: | ||
| Average total assets | $185,236,500 | 3,004 |
| Average earning assets | $172,181,000 | 2,995 |
| Average equity | $17,751,500 | 3,396 |
| Average total loans | $150,131,500 | 2,639 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4707% | 3,038 |
| Cost of funding earning assets | 1.2882% | 790 |
| Net interest margin | 3.1825% | 4,226 |
| Noninterest income to average assets | 0.2696% | 4,067 |
| Noninterest expense to average assets | 3.0369% | 1,918 |
| Loan and lease loss provision to assets | 0.0132% | 3,754 |
| Net operating income to assets | 0.1388% | 4,898 |
| Return on assets (ROA) | 0.1790% | 4,877 |
| Pretax return on assets | 0.2153% | 4,875 |
| Return on Equity (ROE) | 1.9542% | 4,806 |
| Retained earnings to average equity (ytd only) | 1.9542% | 4,018 |
| Net charge-offs to loans | 0.0242% | 2,921 |
| Credit loss provision to net charge-offs | 67.5676% | 2,942 |
| Earnings coverage of net charge-offs (x) | 9.2432% | 2,689 |
| Efficiency ratio | 94.4026% | 240 |
| Assets per employee ($millions) | 5.4107% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7390% | 4,486 |
| Loan loss allowance to noncurrent loans | 81.3987% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.6840% | 553 |
| Noncurrent loans to loans | 0.9078% | 1,691 |
| Net loans and leases to total assets | 82.4346% | 500 |
| Net loans and leases to deposits | 105.0200% | 336 |
| Net loans and leases to core deposits | 129.8907% | 279 |
| Total domestic deposits to total assets | 78.4942% | 4,279 |
| Equity capital to assets | 9.6388% | 4,231 |
| Core capital (leverage) ratio | 9.4671% | 4,094 |
| Tier 1 risk-based capital ratio | 12.2927% | 4,189 |
| Total risk-based capital ratio | 13.0764% | 4,332 |
| Memoranda: | ||
| Average total assets | $189,931,600 | 2,918 |
| Average earning assets | $175,900,800 | 2,925 |
| Average equity | $17,398,200 | 3,397 |
| Average total loans | $152,706,800 | 2,593 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 3,141 |
| Cost of funding earning assets | 1.2975% | 796 |
| Net interest margin | 3.1760% | 4,353 |
| Noninterest income to average assets | 0.2765% | 4,099 |
| Noninterest expense to average assets | 3.0584% | 1,806 |
| Loan and lease loss provision to assets | 0.0174% | 3,565 |
| Net operating income to assets | 0.1227% | 5,000 |
| Return on assets (ROA) | 0.1700% | 4,984 |
| Pretax return on assets | 0.1943% | 4,987 |
| Return on Equity (ROE) | 1.8789% | 4,910 |
| Retained earnings to average equity (ytd only) | 1.8789% | 4,315 |
| Net charge-offs to loans | 0.0341% | 2,391 |
| Credit loss provision to net charge-offs | 64.1026% | 2,677 |
| Earnings coverage of net charge-offs (x) | 5.7948% | 2,886 |
| Efficiency ratio | 95.1050% | 216 |
| Assets per employee ($millions) | 5.3044% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 4,568 |
| Loan loss allowance to noncurrent loans | 65.7910% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.8825% | 500 |
| Noncurrent loans to loans | 1.1270% | 1,410 |
| Net loans and leases to total assets | 81.2636% | 673 |
| Net loans and leases to deposits | 99.1939% | 707 |
| Net loans and leases to core deposits | 123.2397% | 433 |
| Total domestic deposits to total assets | 81.9240% | 3,491 |
| Equity capital to assets | 9.4756% | 4,477 |
| Core capital (leverage) ratio | 9.4745% | 4,192 |
| Tier 1 risk-based capital ratio | 12.1866% | 4,322 |
| Total risk-based capital ratio | 12.9678% | 4,460 |
| Memoranda: | ||
| Average total assets | $191,423,500 | 2,935 |
| Average earning assets | $177,157,750 | 2,941 |
| Average equity | $17,314,750 | 3,432 |
| Average total loans | $152,688,750 | 2,618 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 3,620 |
| Cost of funding earning assets | 1.3166% | 702 |
| Net interest margin | 2.9897% | 4,711 |
| Noninterest income to average assets | 0.2327% | 4,357 |
| Noninterest expense to average assets | 3.1374% | 1,643 |
| Loan and lease loss provision to assets | 0.0259% | 3,303 |
| Net operating income to assets | -0.0905% | 5,129 |
| Return on assets (ROA) | -0.0455% | 5,123 |
| Pretax return on assets | -0.1065% | 5,134 |
| Return on Equity (ROE) | -0.5110% | 5,127 |
| Retained earnings to average equity (ytd only) | -0.5110% | 4,764 |
| Net charge-offs to loans | -0.0078% | 4,249 |
| Credit loss provision to net charge-offs | -416.6667% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5862% | 126 |
| Assets per employee ($millions) | 5.4296% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7570% | 4,587 |
| Loan loss allowance to noncurrent loans | 36.9833% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.6053% | 274 |
| Noncurrent loans to loans | 2.0467% | 686 |
| Net loans and leases to total assets | 80.8583% | 751 |
| Net loans and leases to deposits | 101.2186% | 594 |
| Net loans and leases to core deposits | 126.8724% | 366 |
| Total domestic deposits to total assets | 79.8848% | 4,062 |
| Equity capital to assets | 9.0973% | 4,743 |
| Core capital (leverage) ratio | 9.0221% | 4,612 |
| Tier 1 risk-based capital ratio | 11.8826% | 4,485 |
| Total risk-based capital ratio | 12.6881% | 4,608 |
| Memoranda: | ||
| Average total assets | $193,346,330 | 2,930 |
| Average earning assets | $178,950,670 | 2,930 |
| Average equity | $17,222,330 | 3,441 |
| Average total loans | $152,919,330 | 2,629 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2789% | 3,617 |
| Cost of funding earning assets | 1.3188% | 620 |
| Net interest margin | 2.9601% | 4,806 |
| Noninterest income to average assets | 0.2318% | 4,354 |
| Noninterest expense to average assets | 3.0605% | 1,829 |
| Loan and lease loss provision to assets | 0.0021% | 3,391 |
| Net operating income to assets | -0.0423% | 5,161 |
| Return on assets (ROA) | 0.0226% | 5,135 |
| Pretax return on assets | -0.0185% | 5,151 |
| Return on Equity (ROE) | 0.2560% | 5,131 |
| Retained earnings to average equity (ytd only) | 0.2560% | 4,478 |
| Net charge-offs to loans | -0.0079% | 4,141 |
| Credit loss provision to net charge-offs | -33.3333% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3241% | 145 |
| Assets per employee ($millions) | 5.3834% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7569% | 4,648 |
| Loan loss allowance to noncurrent loans | 32.2172% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 2.7533% | 248 |
| Noncurrent loans to loans | 2.3493% | 577 |
| Net loans and leases to total assets | 77.4658% | 1,244 |
| Net loans and leases to deposits | 96.6050% | 918 |
| Net loans and leases to core deposits | 123.8347% | 428 |
| Total domestic deposits to total assets | 80.1881% | 4,145 |
| Equity capital to assets | 8.9090% | 4,744 |
| Core capital (leverage) ratio | 8.8776% | 4,736 |
| Tier 1 risk-based capital ratio | 11.9946% | 4,465 |
| Total risk-based capital ratio | 12.7866% | 4,612 |
| Memoranda: | ||
| Average total assets | $195,002,000 | 2,949 |
| Average earning assets | $179,860,500 | 2,951 |
| Average equity | $17,189,500 | 3,460 |
| Average total loans | $151,963,500 | 2,669 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2535% | 3,264 |
| Cost of funding earning assets | 1.0525% | 598 |
| Net interest margin | 3.2010% | 4,482 |
| Noninterest income to average assets | 0.2246% | 4,581 |
| Noninterest expense to average assets | 2.8557% | 2,502 |
| Loan and lease loss provision to assets | 0.0925% | 2,303 |
| Net operating income to assets | 0.2345% | 5,077 |
| Return on assets (ROA) | 0.2230% | 5,081 |
| Pretax return on assets | 0.2558% | 5,080 |
| Return on Equity (ROE) | 2.5098% | 4,979 |
| Retained earnings to average equity (ytd only) | 2.5098% | 4,141 |
| Net charge-offs to loans | 0.0473% | 2,490 |
| Credit loss provision to net charge-offs | 253.6232% | 1,176 |
| Earnings coverage of net charge-offs (x) | 9.9130% | 2,772 |
| Efficiency ratio | 88.7648% | 399 |
| Assets per employee ($millions) | 5.6037% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7475% | 4,684 |
| Loan loss allowance to noncurrent loans | 55.7129% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 1.9528% | 497 |
| Noncurrent loans to loans | 1.3416% | 1,169 |
| Net loans and leases to total assets | 77.2494% | 1,398 |
| Net loans and leases to deposits | 97.6199% | 930 |
| Net loans and leases to core deposits | 124.9299% | 420 |
| Total domestic deposits to total assets | 79.1328% | 4,288 |
| Equity capital to assets | 8.7253% | 4,783 |
| Core capital (leverage) ratio | 8.6417% | 4,925 |
| Tier 1 risk-based capital ratio | 11.9200% | 4,483 |
| Total risk-based capital ratio | 12.7051% | 4,650 |
| Memoranda: | ||
| Average total assets | $189,234,400 | 2,966 |
| Average earning assets | $176,911,400 | 2,955 |
| Average equity | $16,813,800 | 3,422 |
| Average total loans | $145,816,000 | 2,697 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2211% | 3,246 |
| Cost of funding earning assets | 0.9760% | 657 |
| Net interest margin | 3.2452% | 4,414 |
| Noninterest income to average assets | 0.1998% | 4,774 |
| Noninterest expense to average assets | 2.8478% | 2,463 |
| Loan and lease loss provision to assets | 0.1237% | 1,626 |
| Net operating income to assets | 0.2273% | 5,180 |
| Return on assets (ROA) | 0.2211% | 5,180 |
| Pretax return on assets | 0.2546% | 5,173 |
| Return on Equity (ROE) | 2.4772% | 5,073 |
| Retained earnings to average equity (ytd only) | 2.4772% | 4,411 |
| Net charge-offs to loans | -0.0083% | 4,349 |
| Credit loss provision to net charge-offs | -1,933.3333% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0801% | 401 |
| Assets per employee ($millions) | 5.4664% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 4,623 |
| Loan loss allowance to noncurrent loans | 49.5122% | 4,409 |
| Noncurrent assets plus other real estate owned to assets | 2.1556% | 468 |
| Noncurrent loans to loans | 1.6154% | 980 |
| Net loans and leases to total assets | 76.7660% | 1,543 |
| Net loans and leases to deposits | 96.6872% | 1,076 |
| Net loans and leases to core deposits | 122.0970% | 508 |
| Total domestic deposits to total assets | 79.3962% | 4,235 |
| Equity capital to assets | 8.5376% | 4,902 |
| Core capital (leverage) ratio | 8.8810% | 4,819 |
| Tier 1 risk-based capital ratio | 11.7935% | 4,607 |
| Total risk-based capital ratio | 12.6297% | 4,745 |
| Memoranda: | ||
| Average total assets | $187,510,250 | 3,007 |
| Average earning assets | $175,272,250 | 2,993 |
| Average equity | $16,739,000 | 3,449 |
| Average total loans | $144,107,250 | 2,739 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 3,015 |
| Cost of funding earning assets | 0.9137% | 695 |
| Net interest margin | 3.3158% | 4,206 |
| Noninterest income to average assets | 0.1811% | 4,922 |
| Noninterest expense to average assets | 2.9173% | 2,302 |
| Loan and lease loss provision to assets | 0.1421% | 1,369 |
| Net operating income to assets | 0.1962% | 5,235 |
| Return on assets (ROA) | 0.1952% | 5,228 |
| Pretax return on assets | 0.2180% | 5,227 |
| Return on Equity (ROE) | 2.1533% | 5,159 |
| Retained earnings to average equity (ytd only) | 2.1533% | 4,411 |
| Net charge-offs to loans | -0.0085% | 4,268 |
| Credit loss provision to net charge-offs | -2,183.3333% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9845% | 409 |
| Assets per employee ($millions) | 5.6571% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7971% | 4,710 |
| Loan loss allowance to noncurrent loans | 124.6809% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.4152% | 966 |
| Noncurrent loans to loans | 0.6393% | 2,513 |
| Net loans and leases to total assets | 75.8346% | 1,664 |
| Net loans and leases to deposits | 95.9473% | 1,145 |
| Net loans and leases to core deposits | 116.6132% | 684 |
| Total domestic deposits to total assets | 79.0378% | 4,421 |
| Equity capital to assets | 8.7064% | 4,796 |
| Core capital (leverage) ratio | 9.1225% | 4,554 |
| Tier 1 risk-based capital ratio | 12.3040% | 4,309 |
| Total risk-based capital ratio | 13.1504% | 4,440 |
| Memoranda: | ||
| Average total assets | $184,417,330 | 3,053 |
| Average earning assets | $172,267,000 | 3,042 |
| Average equity | $16,718,330 | 3,475 |
| Average total loans | $141,381,330 | 2,779 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3066% | 2,488 |
| Cost of funding earning assets | 0.8499% | 767 |
| Net interest margin | 3.4567% | 3,683 |
| Noninterest income to average assets | 0.1928% | 4,864 |
| Noninterest expense to average assets | 3.1986% | 1,567 |
| Loan and lease loss provision to assets | 0.1020% | 1,824 |
| Net operating income to assets | 0.1263% | 5,311 |
| Return on assets (ROA) | 0.1241% | 5,309 |
| Pretax return on assets | 0.1175% | 5,328 |
| Return on Equity (ROE) | 1.3410% | 5,276 |
| Retained earnings to average equity (ytd only) | 1.3410% | 4,532 |
| Net charge-offs to loans | -0.0087% | 4,193 |
| Credit loss provision to net charge-offs | -1,533.3333% | 4,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5191% | 315 |
| Assets per employee ($millions) | 5.5498% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 4,835 |
| Loan loss allowance to noncurrent loans | 114.4667% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 1.4901% | 935 |
| Noncurrent loans to loans | 0.6825% | 2,504 |
| Net loans and leases to total assets | 75.1690% | 1,676 |
| Net loans and leases to deposits | 96.4230% | 987 |
| Net loans and leases to core deposits | 109.5980% | 1,026 |
| Total domestic deposits to total assets | 77.9575% | 4,735 |
| Equity capital to assets | 9.0946% | 4,461 |
| Core capital (leverage) ratio | 9.3677% | 4,231 |
| Tier 1 risk-based capital ratio | 12.9203% | 3,994 |
| Total risk-based capital ratio | 13.7489% | 4,147 |
| Memoranda: | ||
| Average total assets | $180,455,500 | 3,124 |
| Average earning assets | $168,484,000 | 3,115 |
| Average equity | $16,704,500 | 3,507 |
| Average total loans | $138,555,500 | 2,833 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,480 |
| Cost of funding earning assets | 0.7570% | 796 |
| Net interest margin | 3.2212% | 4,386 |
| Noninterest income to average assets | 0.1402% | 5,252 |
| Noninterest expense to average assets | 2.7177% | 3,071 |
| Loan and lease loss provision to assets | 0.1535% | 1,473 |
| Net operating income to assets | 0.1674% | 5,163 |
| Return on assets (ROA) | 0.1686% | 5,173 |
| Pretax return on assets | 0.3296% | 5,179 |
| Return on Equity (ROE) | 1.7590% | 5,103 |
| Retained earnings to average equity (ytd only) | 1.7590% | 4,266 |
| Net charge-offs to loans | 0.1442% | 1,635 |
| Credit loss provision to net charge-offs | 135.8974% | 1,946 |
| Earnings coverage of net charge-offs (x) | 4.2615% | 3,491 |
| Efficiency ratio | 84.9538% | 704 |
| Assets per employee ($millions) | 5.2285% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 4,958 |
| Loan loss allowance to noncurrent loans | 71.0364% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8220% | 674 |
| Noncurrent loans to loans | 1.0530% | 1,686 |
| Net loans and leases to total assets | 77.2497% | 1,382 |
| Net loans and leases to deposits | 99.9316% | 734 |
| Net loans and leases to core deposits | 114.6648% | 772 |
| Total domestic deposits to total assets | 77.3026% | 4,824 |
| Equity capital to assets | 9.4240% | 4,299 |
| Core capital (leverage) ratio | 9.4183% | 4,139 |
| Tier 1 risk-based capital ratio | 12.9190% | 3,955 |
| Total risk-based capital ratio | 13.7140% | 4,130 |
| Memoranda: | ||
| Average total assets | $172,646,400 | 3,213 |
| Average earning assets | $163,944,400 | 3,153 |
| Average equity | $16,543,200 | 3,531 |
| Average total loans | $135,250,400 | 2,846 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,505 |
| Cost of funding earning assets | 0.7416% | 791 |
| Net interest margin | 3.2126% | 4,421 |
| Noninterest income to average assets | 0.1369% | 5,323 |
| Noninterest expense to average assets | 2.6975% | 3,075 |
| Loan and lease loss provision to assets | 0.1579% | 1,310 |
| Net operating income to assets | 0.2357% | 5,316 |
| Return on assets (ROA) | 0.2373% | 5,330 |
| Pretax return on assets | 0.3478% | 5,263 |
| Return on Equity (ROE) | 2.4660% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.4660% | 4,415 |
| Net charge-offs to loans | 0.1983% | 1,071 |
| Credit loss provision to net charge-offs | 101.5000% | 2,249 |
| Earnings coverage of net charge-offs (x) | 3.2350% | 3,363 |
| Efficiency ratio | 84.2732% | 734 |
| Assets per employee ($millions) | 5.9459% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7279% | 5,077 |
| Loan loss allowance to noncurrent loans | 18.1852% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 3.0660% | 288 |
| Noncurrent loans to loans | 4.0025% | 245 |
| Net loans and leases to total assets | 74.0140% | 1,914 |
| Net loans and leases to deposits | 90.4664% | 1,746 |
| Net loans and leases to core deposits | 105.8971% | 1,281 |
| Total domestic deposits to total assets | 81.8138% | 3,828 |
| Equity capital to assets | 9.3897% | 4,556 |
| Core capital (leverage) ratio | 9.5753% | 4,061 |
| Tier 1 risk-based capital ratio | 13.6859% | 3,590 |
| Total risk-based capital ratio | 14.4749% | 3,781 |
| Memoranda: | ||
| Average total assets | $171,365,750 | 3,252 |
| Average earning assets | $163,437,250 | 3,187 |
| Average equity | $16,490,750 | 3,570 |
| Average total loans | $134,472,750 | 2,872 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9268% | 3,457 |
| Cost of funding earning assets | 0.7345% | 743 |
| Net interest margin | 3.1923% | 4,443 |
| Noninterest income to average assets | 0.1242% | 5,426 |
| Noninterest expense to average assets | 2.6966% | 3,100 |
| Loan and lease loss provision to assets | 0.2177% | 813 |
| Net operating income to assets | 0.1750% | 5,433 |
| Return on assets (ROA) | 0.1775% | 5,434 |
| Pretax return on assets | 0.2579% | 5,382 |
| Return on Equity (ROE) | 1.8287% | 5,365 |
| Retained earnings to average equity (ytd only) | 1.8287% | 4,519 |
| Net charge-offs to loans | 0.3038% | 668 |
| Credit loss provision to net charge-offs | 89.7561% | 2,144 |
| Earnings coverage of net charge-offs (x) | 1.9463% | 3,228 |
| Efficiency ratio | 85.1008% | 752 |
| Assets per employee ($millions) | 5.7099% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7081% | 5,189 |
| Loan loss allowance to noncurrent loans | 34.8211% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 1.6679% | 882 |
| Noncurrent loans to loans | 2.0336% | 824 |
| Net loans and leases to total assets | 77.2734% | 1,354 |
| Net loans and leases to deposits | 93.7669% | 1,287 |
| Net loans and leases to core deposits | 109.2931% | 1,037 |
| Total domestic deposits to total assets | 82.4101% | 3,769 |
| Equity capital to assets | 9.6902% | 4,233 |
| Core capital (leverage) ratio | 9.8477% | 3,718 |
| Tier 1 risk-based capital ratio | 13.5801% | 3,655 |
| Total risk-based capital ratio | 14.3513% | 3,851 |
| Memoranda: | ||
| Average total assets | $169,028,670 | 3,295 |
| Average earning assets | $161,199,000 | 3,224 |
| Average equity | $16,404,670 | 3,590 |
| Average total loans | $134,966,330 | 2,871 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 3,282 |
| Cost of funding earning assets | 0.7266% | 734 |
| Net interest margin | 3.2035% | 4,334 |
| Noninterest income to average assets | 0.1048% | 5,570 |
| Noninterest expense to average assets | 2.6922% | 3,169 |
| Loan and lease loss provision to assets | 0.0119% | 3,411 |
| Net operating income to assets | 0.2970% | 5,201 |
| Return on assets (ROA) | 0.2954% | 5,219 |
| Pretax return on assets | 0.4550% | 5,045 |
| Return on Equity (ROE) | 3.0415% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.0415% | 3,890 |
| Net charge-offs to loans | -0.0088% | 4,371 |
| Credit loss provision to net charge-offs | -166.6667% | 4,017 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1545% | 876 |
| Assets per employee ($millions) | 6.1022% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7187% | 5,265 |
| Loan loss allowance to noncurrent loans | 33.5749% | 4,979 |
| Noncurrent assets plus other real estate owned to assets | 1.7816% | 805 |
| Noncurrent loans to loans | 2.1405% | 803 |
| Net loans and leases to total assets | 78.6716% | 1,034 |
| Net loans and leases to deposits | 95.5495% | 969 |
| Net loans and leases to core deposits | 112.1841% | 763 |
| Total domestic deposits to total assets | 82.3359% | 4,076 |
| Equity capital to assets | 9.6968% | 4,068 |
| Core capital (leverage) ratio | 9.9267% | 3,595 |
| Tier 1 risk-based capital ratio | 14.1079% | 3,407 |
| Total risk-based capital ratio | 14.9351% | 3,577 |
| Memoranda: | ||
| Average total assets | $167,894,500 | 3,332 |
| Average earning assets | $160,200,500 | 3,266 |
| Average equity | $16,307,500 | 3,623 |
| Average total loans | $135,794,000 | 2,873 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 3,450 |
| Cost of funding earning assets | 0.6811% | 903 |
| Net interest margin | 3.2516% | 4,294 |
| Noninterest income to average assets | 0.1454% | 5,470 |
| Noninterest expense to average assets | 2.9530% | 2,487 |
| Loan and lease loss provision to assets | 0.0258% | 3,838 |
| Net operating income to assets | 0.1854% | 5,444 |
| Return on assets (ROA) | 0.1850% | 5,493 |
| Pretax return on assets | 0.2662% | 5,411 |
| Return on Equity (ROE) | 1.8538% | 5,432 |
| Retained earnings to average equity (ytd only) | 1.8538% | 4,479 |
| Net charge-offs to loans | -0.0176% | 5,091 |
| Credit loss provision to net charge-offs | -178.2609% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9849% | 503 |
| Assets per employee ($millions) | 5.8903% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7085% | 5,340 |
| Loan loss allowance to noncurrent loans | 33.2415% | 5,028 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 782 |
| Noncurrent loans to loans | 2.1315% | 813 |
| Net loans and leases to total assets | 81.9940% | 610 |
| Net loans and leases to deposits | 99.9180% | 675 |
| Net loans and leases to core deposits | 118.5239% | 527 |
| Total domestic deposits to total assets | 82.0613% | 4,057 |
| Equity capital to assets | 9.7297% | 4,025 |
| Core capital (leverage) ratio | 9.7083% | 3,847 |
| Tier 1 risk-based capital ratio | 13.6604% | 3,669 |
| Total risk-based capital ratio | 14.4812% | 3,848 |
| Memoranda: | ||
| Average total assets | $158,925,400 | 3,410 |
| Average earning assets | $151,525,400 | 3,352 |
| Average equity | $15,859,600 | 3,710 |
| Average total loans | $130,975,400 | 2,904 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9457% | 3,443 |
| Cost of funding earning assets | 0.6557% | 1,027 |
| Net interest margin | 3.2900% | 4,218 |
| Noninterest income to average assets | 0.1381% | 5,568 |
| Noninterest expense to average assets | 3.0524% | 2,154 |
| Loan and lease loss provision to assets | 0.0330% | 3,572 |
| Net operating income to assets | 0.1361% | 5,575 |
| Return on assets (ROA) | 0.1355% | 5,633 |
| Pretax return on assets | 0.1880% | 5,582 |
| Return on Equity (ROE) | 1.3491% | 5,590 |
| Retained earnings to average equity (ytd only) | 1.3491% | 4,975 |
| Net charge-offs to loans | -0.0195% | 4,999 |
| Credit loss provision to net charge-offs | -205.2632% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2230% | 418 |
| Assets per employee ($millions) | 5.3259% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7298% | 5,361 |
| Loan loss allowance to noncurrent loans | 879.8165% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 4,818 |
| Noncurrent loans to loans | 0.0830% | 5,020 |
| Net loans and leases to total assets | 79.0057% | 1,039 |
| Net loans and leases to deposits | 95.9301% | 1,056 |
| Net loans and leases to core deposits | 117.3507% | 598 |
| Total domestic deposits to total assets | 82.3576% | 3,820 |
| Equity capital to assets | 9.6322% | 4,532 |
| Core capital (leverage) ratio | 9.9391% | 3,648 |
| Tier 1 risk-based capital ratio | 14.1874% | 3,463 |
| Total risk-based capital ratio | 15.0443% | 3,601 |
| Memoranda: | ||
| Average total assets | $157,424,750 | 3,436 |
| Average earning assets | $150,066,500 | 3,386 |
| Average equity | $15,812,750 | 3,750 |
| Average total loans | $129,670,250 | 2,935 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,181 |
| Cost of funding earning assets | 0.6348% | 1,117 |
| Net interest margin | 3.3828% | 3,958 |
| Noninterest income to average assets | 0.1330% | 5,648 |
| Noninterest expense to average assets | 3.0865% | 2,096 |
| Loan and lease loss provision to assets | 0.0478% | 3,192 |
| Net operating income to assets | 0.1546% | 5,604 |
| Return on assets (ROA) | 0.1537% | 5,656 |
| Pretax return on assets | 0.2183% | 5,599 |
| Return on Equity (ROE) | 1.5080% | 5,608 |
| Retained earnings to average equity (ytd only) | 1.5080% | 4,777 |
| Net charge-offs to loans | -0.0248% | 5,041 |
| Credit loss provision to net charge-offs | -231.2500% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0293% | 493 |
| Assets per employee ($millions) | 5.2740% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 5,433 |
| Loan loss allowance to noncurrent loans | 851.7857% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1776% | 4,788 |
| Noncurrent loans to loans | 0.0868% | 5,103 |
| Net loans and leases to total assets | 80.9253% | 769 |
| Net loans and leases to deposits | 101.5063% | 598 |
| Net loans and leases to core deposits | 123.0846% | 435 |
| Total domestic deposits to total assets | 79.7244% | 4,618 |
| Equity capital to assets | 10.0272% | 4,196 |
| Core capital (leverage) ratio | 10.2536% | 3,265 |
| Tier 1 risk-based capital ratio | 14.5282% | 3,307 |
| Total risk-based capital ratio | 15.4039% | 3,436 |
| Memoranda: | ||
| Average total assets | $154,865,670 | 3,485 |
| Average earning assets | $147,451,330 | 3,442 |
| Average equity | $15,782,670 | 3,766 |
| Average total loans | $129,094,000 | 2,943 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 3,013 |
| Cost of funding earning assets | 0.6271% | 1,170 |
| Net interest margin | 3.4284% | 3,772 |
| Noninterest income to average assets | 0.1802% | 5,419 |
| Noninterest expense to average assets | 3.1177% | 2,052 |
| Loan and lease loss provision to assets | 0.0783% | 2,394 |
| Net operating income to assets | 0.1768% | 5,575 |
| Return on assets (ROA) | 0.1749% | 5,631 |
| Pretax return on assets | 0.2507% | 5,581 |
| Return on Equity (ROE) | 1.7025% | 5,575 |
| Retained earnings to average equity (ytd only) | 1.7025% | 4,589 |
| Net charge-offs to loans | -0.0217% | 4,902 |
| Credit loss provision to net charge-offs | -428.5714% | 4,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3861% | 650 |
| Assets per employee ($millions) | 5.7440% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 5,548 |
| Loan loss allowance to noncurrent loans | 655.9441% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 4,678 |
| Noncurrent loans to loans | 0.1109% | 5,030 |
| Net loans and leases to total assets | 82.5752% | 496 |
| Net loans and leases to deposits | 105.6904% | 352 |
| Net loans and leases to core deposits | 128.6555% | 293 |
| Total domestic deposits to total assets | 78.1293% | 5,124 |
| Equity capital to assets | 10.1858% | 3,859 |
| Core capital (leverage) ratio | 10.2749% | 3,232 |
| Tier 1 risk-based capital ratio | 14.9288% | 3,192 |
| Total risk-based capital ratio | 15.8171% | 3,299 |
| Memoranda: | ||
| Average total assets | $153,188,500 | 3,534 |
| Average earning assets | $146,075,000 | 3,477 |
| Average equity | $15,741,500 | 3,775 |
| Average total loans | $129,144,000 | 2,947 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 2,352 |
| Cost of funding earning assets | 0.5557% | 1,713 |
| Net interest margin | 3.7038% | 2,737 |
| Noninterest income to average assets | 0.1281% | 5,768 |
| Noninterest expense to average assets | 3.1989% | 1,974 |
| Loan and lease loss provision to assets | 0.1258% | 1,916 |
| Net operating income to assets | 0.2009% | 5,572 |
| Return on assets (ROA) | 0.2033% | 5,630 |
| Pretax return on assets | 0.3207% | 5,477 |
| Return on Equity (ROE) | 1.8274% | 5,612 |
| Retained earnings to average equity (ytd only) | 1.8274% | 4,685 |
| Net charge-offs to loans | -0.0140% | 5,188 |
| Credit loss provision to net charge-offs | -1,093.3333% | 5,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8424% | 843 |
| Assets per employee ($millions) | 5.4031% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6969% | 5,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 5,070 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 84.8607% | 322 |
| Net loans and leases to deposits | 104.8872% | 400 |
| Net loans and leases to core deposits | 136.9415% | 199 |
| Total domestic deposits to total assets | 80.9066% | 4,508 |
| Equity capital to assets | 10.3683% | 3,541 |
| Core capital (leverage) ratio | 9.9498% | 3,577 |
| Tier 1 risk-based capital ratio | 15.1128% | 3,127 |
| Total risk-based capital ratio | 15.9810% | 3,244 |
| Memoranda: | ||
| Average total assets | $130,326,000 | 3,883 |
| Average earning assets | $123,631,400 | 3,805 |
| Average equity | $14,501,600 | 3,909 |
| Average total loans | $107,046,600 | 3,259 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2420% | 2,439 |
| Cost of funding earning assets | 0.5399% | 1,885 |
| Net interest margin | 3.7020% | 2,759 |
| Noninterest income to average assets | 0.1290% | 5,830 |
| Noninterest expense to average assets | 3.1892% | 2,000 |
| Loan and lease loss provision to assets | 0.0991% | 2,198 |
| Net operating income to assets | 0.2200% | 5,639 |
| Return on assets (ROA) | 0.2206% | 5,707 |
| Pretax return on assets | 0.3496% | 5,556 |
| Return on Equity (ROE) | 1.9428% | 5,676 |
| Retained earnings to average equity (ytd only) | 1.9428% | 4,908 |
| Net charge-offs to loans | -0.0355% | 5,420 |
| Credit loss provision to net charge-offs | -344.4444% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6905% | 876 |
| Assets per employee ($millions) | 4.8633% | 2,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7537% | 5,617 |
| Loan loss allowance to noncurrent loans | 418.9055% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 5,008 |
| Noncurrent loans to loans | 0.1799% | 4,932 |
| Net loans and leases to total assets | 81.4251% | 653 |
| Net loans and leases to deposits | 105.1215% | 401 |
| Net loans and leases to core deposits | 125.6889% | 345 |
| Total domestic deposits to total assets | 77.4581% | 5,272 |
| Equity capital to assets | 11.4443% | 2,547 |
| Core capital (leverage) ratio | 11.9510% | 1,700 |
| Tier 1 risk-based capital ratio | 16.2555% | 2,690 |
| Total risk-based capital ratio | 17.1346% | 2,789 |
| Memoranda: | ||
| Average total assets | $125,085,500 | 4,019 |
| Average earning assets | $118,526,250 | 3,946 |
| Average equity | $14,205,500 | 3,989 |
| Average total loans | $101,487,000 | 3,396 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 2,423 |
| Cost of funding earning assets | 0.5486% | 1,833 |
| Net interest margin | 3.6835% | 2,781 |
| Noninterest income to average assets | 0.1285% | 5,907 |
| Noninterest expense to average assets | 3.1980% | 1,989 |
| Loan and lease loss provision to assets | 0.0956% | 2,217 |
| Net operating income to assets | 0.2109% | 5,669 |
| Return on assets (ROA) | 0.2109% | 5,735 |
| Pretax return on assets | 0.3196% | 5,623 |
| Return on Equity (ROE) | 1.8624% | 5,713 |
| Retained earnings to average equity (ytd only) | 1.8624% | 4,765 |
| Net charge-offs to loans | -0.0408% | 5,457 |
| Credit loss provision to net charge-offs | -290.0000% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5089% | 875 |
| Assets per employee ($millions) | 4.9241% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 5,685 |
| Loan loss allowance to noncurrent loans | 398.0100% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 5,075 |
| Noncurrent loans to loans | 0.1917% | 5,010 |
| Net loans and leases to total assets | 81.2749% | 637 |
| Net loans and leases to deposits | 105.1614% | 400 |
| Net loans and leases to core deposits | 119.8961% | 469 |
| Total domestic deposits to total assets | 77.2859% | 5,411 |
| Equity capital to assets | 12.0897% | 1,956 |
| Core capital (leverage) ratio | 12.9362% | 1,191 |
| Tier 1 risk-based capital ratio | 17.2167% | 2,319 |
| Total risk-based capital ratio | 18.1066% | 2,416 |
| Memoranda: | ||
| Average total assets | $121,389,670 | 4,131 |
| Average earning assets | $114,835,330 | 4,053 |
| Average equity | $13,746,000 | 4,089 |
| Average total loans | $98,075,670 | 3,471 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 2,220 |
| Cost of funding earning assets | 0.5711% | 1,652 |
| Net interest margin | 3.6923% | 2,644 |
| Noninterest income to average assets | 0.1287% | 5,955 |
| Noninterest expense to average assets | 3.2387% | 1,878 |
| Loan and lease loss provision to assets | 0.0982% | 2,059 |
| Net operating income to assets | 0.1829% | 5,717 |
| Return on assets (ROA) | 0.1829% | 5,796 |
| Pretax return on assets | 0.2744% | 5,703 |
| Return on Equity (ROE) | 1.6770% | 5,761 |
| Retained earnings to average equity (ytd only) | 1.6770% | 4,803 |
| Net charge-offs to loans | -0.0422% | 5,440 |
| Credit loss provision to net charge-offs | -290.0000% | 4,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6811% | 870 |
| Assets per employee ($millions) | 5.0098% | 2,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7713% | 5,754 |
| Loan loss allowance to noncurrent loans | 521.2329% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.1655% | 5,293 |
| Noncurrent loans to loans | 0.1480% | 5,244 |
| Net loans and leases to total assets | 81.4282% | 525 |
| Net loans and leases to deposits | 103.3014% | 400 |
| Net loans and leases to core deposits | 112.1489% | 645 |
| Total domestic deposits to total assets | 78.8258% | 5,295 |
| Equity capital to assets | 12.8264% | 1,500 |
| Core capital (leverage) ratio | 13.0026% | 1,154 |
| Tier 1 risk-based capital ratio | 18.2158% | 2,079 |
| Total risk-based capital ratio | 19.1164% | 2,136 |
| Memoranda: | ||
| Average total assets | $118,071,500 | 4,219 |
| Average earning assets | $111,365,500 | 4,155 |
| Average equity | $12,880,000 | 4,257 |
| Average total loans | $94,687,000 | 3,550 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 2,629 |
| Cost of funding earning assets | 0.6323% | 1,537 |
| Net interest margin | 3.6613% | 3,173 |
| Noninterest income to average assets | 0.1425% | 5,982 |
| Noninterest expense to average assets | 3.0315% | 2,753 |
| Loan and lease loss provision to assets | 0.0134% | 4,352 |
| Net operating income to assets | 0.3387% | 5,407 |
| Return on assets (ROA) | 0.3450% | 5,461 |
| Pretax return on assets | 0.5529% | 5,096 |
| Return on Equity (ROE) | 3.9663% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.9663% | 3,392 |
| Net charge-offs to loans | -0.0286% | 5,780 |
| Credit loss provision to net charge-offs | -60.0000% | 5,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4905% | 1,344 |
| Assets per employee ($millions) | 4.8295% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7960% | 5,782 |
| Loan loss allowance to noncurrent loans | 150.7307% | 2,805 |
| Noncurrent assets plus other real estate owned to assets | 0.4590% | 4,285 |
| Noncurrent loans to loans | 0.5281% | 4,085 |
| Net loans and leases to total assets | 77.6355% | 1,054 |
| Net loans and leases to deposits | 92.7317% | 1,211 |
| Net loans and leases to core deposits | 100.4622% | 1,365 |
| Total domestic deposits to total assets | 83.7206% | 3,828 |
| Equity capital to assets | 8.9192% | 5,365 |
| Core capital (leverage) ratio | 9.1485% | 4,754 |
| Tier 1 risk-based capital ratio | 13.8308% | 4,218 |
| Total risk-based capital ratio | 14.7977% | 4,320 |
| Memoranda: | ||
| Average total assets | $111,595,400 | 4,356 |
| Average earning assets | $105,017,800 | 4,289 |
| Average equity | $9,706,800 | 4,815 |
| Average total loans | $87,451,000 | 3,687 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 2,704 |
| Cost of funding earning assets | 0.6395% | 1,529 |
| Net interest margin | 3.6423% | 3,256 |
| Noninterest income to average assets | 0.1460% | 6,046 |
| Noninterest expense to average assets | 3.0607% | 2,593 |
| Loan and lease loss provision to assets | 0.0169% | 4,074 |
| Net operating income to assets | 0.3160% | 5,536 |
| Return on assets (ROA) | 0.3245% | 5,582 |
| Pretax return on assets | 0.5103% | 5,301 |
| Return on Equity (ROE) | 3.7560% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.7560% | 3,979 |
| Net charge-offs to loans | -0.0215% | 5,634 |
| Credit loss provision to net charge-offs | -100.0000% | 5,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6227% | 1,219 |
| Assets per employee ($millions) | 5.1305% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7892% | 5,898 |
| Loan loss allowance to noncurrent loans | 147.6091% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 4,476 |
| Noncurrent loans to loans | 0.5347% | 4,334 |
| Net loans and leases to total assets | 79.0733% | 823 |
| Net loans and leases to deposits | 94.7925% | 975 |
| Net loans and leases to core deposits | 103.9749% | 1,106 |
| Total domestic deposits to total assets | 83.4172% | 3,986 |
| Equity capital to assets | 8.9909% | 5,365 |
| Core capital (leverage) ratio | 9.2647% | 4,685 |
| Tier 1 risk-based capital ratio | 13.8114% | 4,351 |
| Total risk-based capital ratio | 14.7747% | 4,464 |
| Memoranda: | ||
| Average total assets | $110,517,500 | 4,411 |
| Average earning assets | $104,034,750 | 4,347 |
| Average equity | $9,549,000 | 4,890 |
| Average total loans | $86,637,000 | 3,738 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 2,637 |
| Cost of funding earning assets | 0.6517% | 1,499 |
| Net interest margin | 3.6331% | 3,218 |
| Noninterest income to average assets | 0.1495% | 6,064 |
| Noninterest expense to average assets | 3.1294% | 2,396 |
| Loan and lease loss provision to assets | 0.0200% | 3,873 |
| Net operating income to assets | 0.2642% | 5,679 |
| Return on assets (ROA) | 0.2770% | 5,718 |
| Pretax return on assets | 0.4338% | 5,470 |
| Return on Equity (ROE) | 3.2516% | 5,442 |
| Retained earnings to average equity (ytd only) | 3.2516% | 4,136 |
| Net charge-offs to loans | -0.0140% | 5,425 |
| Credit loss provision to net charge-offs | -183.3333% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8261% | 1,101 |
| Assets per employee ($millions) | 4.8258% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 5,992 |
| Loan loss allowance to noncurrent loans | 369.8413% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 5,462 |
| Noncurrent loans to loans | 0.2145% | 5,369 |
| Net loans and leases to total assets | 78.7421% | 822 |
| Net loans and leases to deposits | 93.0578% | 1,045 |
| Net loans and leases to core deposits | 99.4685% | 1,324 |
| Total domestic deposits to total assets | 84.6163% | 3,677 |
| Equity capital to assets | 9.0455% | 5,254 |
| Core capital (leverage) ratio | 9.0821% | 4,897 |
| Tier 1 risk-based capital ratio | 14.2284% | 4,111 |
| Total risk-based capital ratio | 15.2187% | 4,216 |
| Memoranda: | ||
| Average total assets | $109,733,330 | 4,451 |
| Average earning assets | $103,108,000 | 4,386 |
| Average equity | $9,349,330 | 4,951 |
| Average total loans | $85,529,330 | 3,781 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 2,723 |
| Cost of funding earning assets | 0.6557% | 1,550 |
| Net interest margin | 3.5831% | 3,323 |
| Noninterest income to average assets | 0.0990% | 6,336 |
| Noninterest expense to average assets | 3.1676% | 2,331 |
| Loan and lease loss provision to assets | -0.0073% | 6,389 |
| Net operating income to assets | 0.2329% | 5,711 |
| Return on assets (ROA) | 0.2640% | 5,662 |
| Pretax return on assets | 0.3446% | 5,607 |
| Return on Equity (ROE) | 3.1986% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.1986% | 4,206 |
| Net charge-offs to loans | -0.0095% | 5,030 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4286% | 917 |
| Assets per employee ($millions) | 4.8040% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8089% | 6,082 |
| Loan loss allowance to noncurrent loans | 360.8466% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 4,817 |
| Noncurrent loans to loans | 0.2242% | 5,424 |
| Net loans and leases to total assets | 75.6917% | 1,040 |
| Net loans and leases to deposits | 88.9336% | 1,258 |
| Net loans and leases to core deposits | 93.9877% | 1,549 |
| Total domestic deposits to total assets | 85.1104% | 3,817 |
| Equity capital to assets | 8.9589% | 5,157 |
| Core capital (leverage) ratio | 9.1950% | 4,725 |
| Tier 1 risk-based capital ratio | 14.5100% | 4,001 |
| Total risk-based capital ratio | 15.5171% | 4,103 |
| Memoranda: | ||
| Average total assets | $109,103,000 | 4,504 |
| Average earning assets | $102,482,000 | 4,440 |
| Average equity | $9,004,000 | 5,050 |
| Average total loans | $84,245,000 | 3,837 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5019% | 2,195 |
| Cost of funding earning assets | 0.8335% | 1,027 |
| Net interest margin | 3.6684% | 3,181 |
| Noninterest income to average assets | 0.0951% | 6,406 |
| Noninterest expense to average assets | 3.1622% | 2,539 |
| Loan and lease loss provision to assets | 0.0820% | 3,474 |
| Net operating income to assets | 0.1854% | 5,864 |
| Return on assets (ROA) | 0.2091% | 5,864 |
| Pretax return on assets | 0.3061% | 5,722 |
| Return on Equity (ROE) | 2.7552% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.7552% | 4,279 |
| Net charge-offs to loans | 0.3199% | 2,081 |
| Credit loss provision to net charge-offs | 32.9545% | 4,186 |
| Earnings coverage of net charge-offs (x) | 1.4205% | 4,581 |
| Efficiency ratio | 89.9518% | 1,025 |
| Assets per employee ($millions) | 4.6832% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8102% | 6,149 |
| Loan loss allowance to noncurrent loans | 73.8895% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 2,848 |
| Noncurrent loans to loans | 1.0965% | 3,340 |
| Net loans and leases to total assets | 77.5134% | 884 |
| Net loans and leases to deposits | 90.8628% | 1,170 |
| Net loans and leases to core deposits | 95.5352% | 1,488 |
| Total domestic deposits to total assets | 85.3082% | 3,592 |
| Equity capital to assets | 7.5283% | 6,270 |
| Core capital (leverage) ratio | 7.4390% | 6,396 |
| Tier 1 risk-based capital ratio | 11.8676% | 5,697 |
| Total risk-based capital ratio | 12.8750% | 5,778 |
| Memoranda: | ||
| Average total assets | $106,160,800 | 4,585 |
| Average earning assets | $98,981,400 | 4,539 |
| Average equity | $8,057,600 | 5,322 |
| Average total loans | $82,514,400 | 3,864 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 2,222 |
| Cost of funding earning assets | 0.8794% | 908 |
| Net interest margin | 3.6218% | 3,351 |
| Noninterest income to average assets | 0.1462% | 6,299 |
| Noninterest expense to average assets | 3.1236% | 2,585 |
| Loan and lease loss provision to assets | 0.1059% | 2,990 |
| Net operating income to assets | 0.2054% | 5,900 |
| Return on assets (ROA) | 0.2206% | 5,944 |
| Pretax return on assets | 0.3126% | 5,841 |
| Return on Equity (ROE) | 2.9004% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.9004% | 4,588 |
| Net charge-offs to loans | 0.4028% | 1,590 |
| Credit loss provision to net charge-offs | 33.8710% | 3,824 |
| Earnings coverage of net charge-offs (x) | 1.2702% | 4,418 |
| Efficiency ratio | 88.7218% | 1,109 |
| Assets per employee ($millions) | 4.8755% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 6,224 |
| Loan loss allowance to noncurrent loans | 112.2779% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.3173% | 3,012 |
| Noncurrent loans to loans | 0.7356% | 4,378 |
| Net loans and leases to total assets | 77.8055% | 768 |
| Net loans and leases to deposits | 91.4225% | 1,024 |
| Net loans and leases to core deposits | 94.7717% | 1,498 |
| Total domestic deposits to total assets | 85.1055% | 3,684 |
| Equity capital to assets | 7.5526% | 6,375 |
| Core capital (leverage) ratio | 7.5154% | 6,441 |
| Tier 1 risk-based capital ratio | 11.7681% | 5,918 |
| Total risk-based capital ratio | 12.7957% | 6,004 |
| Memoranda: | ||
| Average total assets | $105,772,750 | 4,648 |
| Average earning assets | $98,547,500 | 4,600 |
| Average equity | $8,044,750 | 5,381 |
| Average total loans | $82,099,500 | 3,906 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5228% | 2,110 |
| Cost of funding earning assets | 0.9258% | 792 |
| Net interest margin | 3.5970% | 3,371 |
| Noninterest income to average assets | 0.1368% | 6,370 |
| Noninterest expense to average assets | 3.0928% | 2,681 |
| Loan and lease loss provision to assets | 0.1577% | 2,349 |
| Net operating income to assets | 0.1888% | 5,933 |
| Return on assets (ROA) | 0.2147% | 5,985 |
| Pretax return on assets | 0.2698% | 5,955 |
| Return on Equity (ROE) | 2.8158% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.8158% | 4,523 |
| Net charge-offs to loans | 0.6092% | 1,087 |
| Credit loss provision to net charge-offs | 33.4677% | 3,526 |
| Earnings coverage of net charge-offs (x) | 0.8387% | 4,248 |
| Efficiency ratio | 88.6710% | 1,156 |
| Assets per employee ($millions) | 4.8678% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8362% | 6,287 |
| Loan loss allowance to noncurrent loans | 160.2771% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 1.1458% | 3,455 |
| Noncurrent loans to loans | 0.5217% | 4,962 |
| Net loans and leases to total assets | 76.8524% | 882 |
| Net loans and leases to deposits | 90.1722% | 1,128 |
| Net loans and leases to core deposits | 92.1645% | 1,694 |
| Total domestic deposits to total assets | 85.2285% | 3,780 |
| Equity capital to assets | 7.4516% | 6,462 |
| Core capital (leverage) ratio | 7.4189% | 6,489 |
| Tier 1 risk-based capital ratio | 11.7325% | 5,969 |
| Total risk-based capital ratio | 12.7720% | 6,067 |
| Memoranda: | ||
| Average total assets | $105,276,670 | 4,698 |
| Average earning assets | $98,081,000 | 4,645 |
| Average equity | $8,026,000 | 5,425 |
| Average total loans | $81,416,000 | 3,942 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 2,267 |
| Cost of funding earning assets | 0.9711% | 701 |
| Net interest margin | 3.5017% | 3,688 |
| Noninterest income to average assets | 0.1303% | 6,444 |
| Noninterest expense to average assets | 3.0967% | 2,687 |
| Loan and lease loss provision to assets | 0.1073% | 2,906 |
| Net operating income to assets | 0.1686% | 5,985 |
| Return on assets (ROA) | 0.2031% | 5,991 |
| Pretax return on assets | 0.2261% | 6,029 |
| Return on Equity (ROE) | 2.6339% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.6339% | 4,704 |
| Net charge-offs to loans | 0.3671% | 1,541 |
| Credit loss provision to net charge-offs | 37.8378% | 2,781 |
| Earnings coverage of net charge-offs (x) | 1.0405% | 3,493 |
| Efficiency ratio | 91.2994% | 1,046 |
| Assets per employee ($millions) | 5.3104% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 6,037 |
| Loan loss allowance to noncurrent loans | 84.9530% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.4349% | 3,110 |
| Noncurrent loans to loans | 1.1599% | 3,838 |
| Net loans and leases to total assets | 76.9224% | 730 |
| Net loans and leases to deposits | 89.4496% | 1,009 |
| Net loans and leases to core deposits | 90.4148% | 1,662 |
| Total domestic deposits to total assets | 85.9953% | 3,527 |
| Equity capital to assets | 7.5984% | 6,561 |
| Core capital (leverage) ratio | 7.4947% | 6,472 |
| Tier 1 risk-based capital ratio | 11.7855% | 6,038 |
| Total risk-based capital ratio | 13.0175% | 6,029 |
| Memoranda: | ||
| Average total assets | $104,369,500 | 4,765 |
| Average earning assets | $97,209,500 | 4,708 |
| Average equity | $8,049,000 | 5,472 |
| Average total loans | $80,626,000 | 3,996 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4526% | 3,604 |
| Cost of funding earning assets | 1.1176% | 846 |
| Net interest margin | 3.3351% | 5,122 |
| Noninterest income to average assets | 0.0993% | 6,505 |
| Noninterest expense to average assets | 3.0399% | 3,136 |
| Loan and lease loss provision to assets | 0.4325% | 1,475 |
| Net operating income to assets | -0.1652% | 6,352 |
| Return on assets (ROA) | -0.0699% | 6,360 |
| Pretax return on assets | -0.1590% | 6,399 |
| Return on Equity (ROE) | -0.8550% | 6,379 |
| Retained earnings to average equity (ytd only) | -0.8550% | 5,996 |
| Net charge-offs to loans | 0.2319% | 3,547 |
| Credit loss provision to net charge-offs | 263.5802% | 913 |
| Earnings coverage of net charge-offs (x) | 0.7593% | 5,099 |
| Efficiency ratio | 96.0627% | 704 |
| Assets per employee ($millions) | 5.1266% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 5,589 |
| Loan loss allowance to noncurrent loans | 126.8833% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4298% | 3,251 |
| Noncurrent loans to loans | 0.8598% | 4,461 |
| Net loans and leases to total assets | 75.9597% | 915 |
| Net loans and leases to deposits | 88.8072% | 1,188 |
| Net loans and leases to core deposits | 89.7952% | 1,858 |
| Total domestic deposits to total assets | 85.5333% | 3,595 |
| Equity capital to assets | 7.8298% | 6,488 |
| Core capital (leverage) ratio | 7.5541% | 6,472 |
| Tier 1 risk-based capital ratio | 12.1661% | 5,677 |
| Total risk-based capital ratio | 13.4168% | 5,635 |
| Memoranda: | ||
| Average total assets | $98,721,400 | 4,865 |
| Average earning assets | $90,733,000 | 4,850 |
| Average equity | $8,070,000 | 5,480 |
| Average total loans | $69,844,200 | 4,363 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 3,877 |
| Cost of funding earning assets | 1.1461% | 878 |
| Net interest margin | 3.2953% | 5,406 |
| Noninterest income to average assets | 0.1746% | 6,263 |
| Noninterest expense to average assets | 3.0970% | 2,901 |
| Loan and lease loss provision to assets | 0.2455% | 2,601 |
| Net operating income to assets | -0.0883% | 6,396 |
| Return on assets (ROA) | -0.0027% | 6,409 |
| Pretax return on assets | -0.0150% | 6,410 |
| Return on Equity (ROE) | -0.0330% | 6,412 |
| Retained earnings to average equity (ytd only) | -0.0330% | 6,083 |
| Net charge-offs to loans | 0.1459% | 3,944 |
| Credit loss provision to net charge-offs | 243.2432% | 1,139 |
| Earnings coverage of net charge-offs (x) | 0.9595% | 4,841 |
| Efficiency ratio | 96.9684% | 640 |
| Assets per employee ($millions) | 4.9734% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 6,181 |
| Loan loss allowance to noncurrent loans | 150.8621% | 2,270 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 3,431 |
| Noncurrent loans to loans | 0.6455% | 5,153 |
| Net loans and leases to total assets | 71.5647% | 1,634 |
| Net loans and leases to deposits | 82.7740% | 2,019 |
| Net loans and leases to core deposits | 83.7163% | 2,728 |
| Total domestic deposits to total assets | 86.4580% | 3,012 |
| Equity capital to assets | 8.1594% | 6,510 |
| Core capital (leverage) ratio | 7.9469% | 6,369 |
| Tier 1 risk-based capital ratio | 13.6035% | 4,813 |
| Total risk-based capital ratio | 14.8226% | 4,800 |
| Memoranda: | ||
| Average total assets | $97,768,750 | 4,937 |
| Average earning assets | $89,579,250 | 4,924 |
| Average equity | $8,080,500 | 5,535 |
| Average total loans | $67,619,750 | 4,481 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3960% | 4,201 |
| Cost of funding earning assets | 1.1739% | 918 |
| Net interest margin | 3.2221% | 5,669 |
| Noninterest income to average assets | 0.1749% | 6,306 |
| Noninterest expense to average assets | 3.0863% | 2,967 |
| Loan and lease loss provision to assets | 0.3539% | 1,864 |
| Net operating income to assets | -0.1922% | 6,534 |
| Return on assets (ROA) | -0.0802% | 6,525 |
| Pretax return on assets | -0.1481% | 6,554 |
| Return on Equity (ROE) | -0.9667% | 6,542 |
| Retained earnings to average equity (ytd only) | -0.9667% | 6,207 |
| Net charge-offs to loans | 0.2236% | 3,236 |
| Credit loss provision to net charge-offs | 232.4324% | 1,227 |
| Earnings coverage of net charge-offs (x) | 0.2027% | 4,972 |
| Efficiency ratio | 99.0099% | 594 |
| Assets per employee ($millions) | 5.1834% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9857% | 6,213 |
| Loan loss allowance to noncurrent loans | 82.2830% | 3,707 |
| Noncurrent assets plus other real estate owned to assets | 2.2460% | 2,490 |
| Noncurrent loans to loans | 1.1979% | 4,154 |
| Net loans and leases to total assets | 70.5844% | 1,806 |
| Net loans and leases to deposits | 81.6354% | 2,163 |
| Net loans and leases to core deposits | 82.0284% | 2,958 |
| Total domestic deposits to total assets | 86.4629% | 3,095 |
| Equity capital to assets | 8.1484% | 6,489 |
| Core capital (leverage) ratio | 8.0461% | 6,227 |
| Tier 1 risk-based capital ratio | 13.7232% | 4,644 |
| Total risk-based capital ratio | 14.9326% | 4,655 |
| Memoranda: | ||
| Average total assets | $97,202,330 | 4,972 |
| Average earning assets | $88,763,000 | 4,971 |
| Average equity | $8,068,670 | 5,548 |
| Average total loans | $66,198,330 | 4,553 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 4,139 |
| Cost of funding earning assets | 1.1838% | 1,054 |
| Net interest margin | 3.2612% | 5,605 |
| Noninterest income to average assets | 0.1740% | 6,332 |
| Noninterest expense to average assets | 3.0944% | 2,933 |
| Loan and lease loss provision to assets | 0.0207% | 5,080 |
| Net operating income to assets | 0.0269% | 6,370 |
| Return on assets (ROA) | 0.1036% | 6,359 |
| Pretax return on assets | 0.1408% | 6,318 |
| Return on Equity (ROE) | 1.2360% | 6,299 |
| Retained earnings to average equity (ytd only) | 1.2360% | 5,596 |
| Net charge-offs to loans | 0.4611% | 1,941 |
| Credit loss provision to net charge-offs | 6.7568% | 3,936 |
| Earnings coverage of net charge-offs (x) | 0.1892% | 4,275 |
| Efficiency ratio | 98.1603% | 628 |
| Assets per employee ($millions) | 5.3811% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 6,707 |
| Loan loss allowance to noncurrent loans | 101.5474% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 1.9492% | 2,973 |
| Noncurrent loans to loans | 0.8052% | 5,065 |
| Net loans and leases to total assets | 65.7464% | 2,509 |
| Net loans and leases to deposits | 76.3344% | 2,744 |
| Net loans and leases to core deposits | 76.7087% | 3,522 |
| Total domestic deposits to total assets | 86.1295% | 3,456 |
| Equity capital to assets | 8.3781% | 6,198 |
| Core capital (leverage) ratio | 8.2430% | 5,961 |
| Tier 1 risk-based capital ratio | 14.9173% | 3,811 |
| Total risk-based capital ratio | 15.9066% | 3,944 |
| Memoranda: | ||
| Average total assets | $96,561,000 | 5,027 |
| Average earning assets | $88,188,000 | 5,016 |
| Average equity | $8,090,500 | 5,562 |
| Average total loans | $64,194,000 | 4,658 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 5,432 |
| Cost of funding earning assets | 1.3624% | 1,193 |
| Net interest margin | 3.0357% | 6,477 |
| Noninterest income to average assets | 0.1629% | 6,323 |
| Noninterest expense to average assets | 3.0375% | 3,453 |
| Loan and lease loss provision to assets | 0.1598% | 4,627 |
| Net operating income to assets | -0.1259% | 6,183 |
| Return on assets (ROA) | 0.0198% | 6,122 |
| Pretax return on assets | -0.0021% | 6,131 |
| Return on Equity (ROE) | 0.3018% | 6,098 |
| Retained earnings to average equity (ytd only) | 0.3018% | 5,691 |
| Net charge-offs to loans | 0.3760% | 3,530 |
| Credit loss provision to net charge-offs | 65.3846% | 5,014 |
| Earnings coverage of net charge-offs (x) | -0.2863% | 6,000 |
| Efficiency ratio | 102.3583% | 610 |
| Assets per employee ($millions) | 4.8131% | 2,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,476 |
| Loan loss allowance to noncurrent loans | 92.9577% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 2.5057% | 2,424 |
| Noncurrent loans to loans | 0.9956% | 4,714 |
| Net loans and leases to total assets | 66.0562% | 2,773 |
| Net loans and leases to deposits | 76.7227% | 3,055 |
| Net loans and leases to core deposits | 77.1032% | 3,811 |
| Total domestic deposits to total assets | 86.0973% | 3,263 |
| Equity capital to assets | 8.3792% | 6,272 |
| Core capital (leverage) ratio | 8.1859% | 6,027 |
| Tier 1 risk-based capital ratio | 15.5051% | 3,320 |
| Total risk-based capital ratio | 16.6722% | 3,330 |
| Memoranda: | ||
| Average total assets | $95,736,400 | 5,022 |
| Average earning assets | $88,448,800 | 4,982 |
| Average equity | $6,296,000 | 6,076 |
| Average total loans | $62,239,200 | 4,786 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4063% | 5,586 |
| Cost of funding earning assets | 1.4095% | 1,195 |
| Net interest margin | 2.9968% | 6,589 |
| Noninterest income to average assets | 0.1395% | 6,552 |
| Noninterest expense to average assets | 2.9565% | 3,720 |
| Loan and lease loss provision to assets | 0.0586% | 5,710 |
| Net operating income to assets | -0.0788% | 6,258 |
| Return on assets (ROA) | 0.1018% | 6,074 |
| Pretax return on assets | 0.1311% | 6,043 |
| Return on Equity (ROE) | 1.6628% | 5,879 |
| Retained earnings to average equity (ytd only) | 1.6628% | 5,303 |
| Net charge-offs to loans | 0.3282% | 3,457 |
| Credit loss provision to net charge-offs | 27.6316% | 5,448 |
| Earnings coverage of net charge-offs (x) | -0.1974% | 5,717 |
| Efficiency ratio | 101.4354% | 619 |
| Assets per employee ($millions) | 5.0481% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 6,602 |
| Loan loss allowance to noncurrent loans | 113.6821% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 2.2093% | 2,885 |
| Noncurrent loans to loans | 0.7902% | 5,298 |
| Net loans and leases to total assets | 64.9822% | 3,107 |
| Net loans and leases to deposits | 73.4287% | 3,735 |
| Net loans and leases to core deposits | 73.7825% | 4,485 |
| Total domestic deposits to total assets | 88.4970% | 1,765 |
| Equity capital to assets | 6.1722% | 7,171 |
| Core capital (leverage) ratio | 6.0324% | 7,133 |
| Tier 1 risk-based capital ratio | 11.4884% | 6,248 |
| Total risk-based capital ratio | 12.6261% | 6,309 |
| Memoranda: | ||
| Average total assets | $95,605,000 | 5,054 |
| Average earning assets | $88,538,000 | 5,007 |
| Average equity | $5,853,500 | 6,236 |
| Average total loans | $61,753,750 | 4,837 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3719% | 5,784 |
| Cost of funding earning assets | 1.4408% | 1,226 |
| Net interest margin | 2.9311% | 6,736 |
| Noninterest income to average assets | 0.1319% | 6,661 |
| Noninterest expense to average assets | 2.8795% | 4,105 |
| Loan and lease loss provision to assets | 0.0063% | 6,178 |
| Net operating income to assets | -0.0183% | 6,253 |
| Return on assets (ROA) | 0.0942% | 6,110 |
| Pretax return on assets | 0.1194% | 6,069 |
| Return on Equity (ROE) | 1.5434% | 5,923 |
| Retained earnings to average equity (ytd only) | 1.5434% | 5,209 |
| Net charge-offs to loans | 0.3226% | 3,270 |
| Credit loss provision to net charge-offs | 3.0303% | 5,312 |
| Earnings coverage of net charge-offs (x) | -0.0808% | 5,329 |
| Efficiency ratio | 100.5852% | 706 |
| Assets per employee ($millions) | 4.5289% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 6,524 |
| Loan loss allowance to noncurrent loans | 41.2393% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 2.3448% | 2,810 |
| Noncurrent loans to loans | 2.2935% | 3,112 |
| Net loans and leases to total assets | 63.7583% | 3,516 |
| Net loans and leases to deposits | 72.0928% | 4,095 |
| Net loans and leases to core deposits | 72.4416% | 4,765 |
| Total domestic deposits to total assets | 88.4392% | 1,894 |
| Equity capital to assets | 6.2246% | 7,218 |
| Core capital (leverage) ratio | 5.9635% | 7,202 |
| Tier 1 risk-based capital ratio | 11.9770% | 5,803 |
| Total risk-based capital ratio | 13.1986% | 5,806 |
| Memoranda: | ||
| Average total assets | $95,502,000 | 5,088 |
| Average earning assets | $88,977,330 | 5,022 |
| Average equity | $5,831,330 | 6,277 |
| Average total loans | $61,374,330 | 4,897 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 5,923 |
| Cost of funding earning assets | 1.4725% | 1,282 |
| Net interest margin | 2.8555% | 6,825 |
| Noninterest income to average assets | 0.1421% | 6,704 |
| Noninterest expense to average assets | 2.8589% | 4,233 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0401% | 6,400 |
| Return on assets (ROA) | 0.0920% | 6,167 |
| Pretax return on assets | 0.1170% | 6,131 |
| Return on Equity (ROE) | 1.5206% | 5,976 |
| Retained earnings to average equity (ytd only) | 1.5206% | 5,204 |
| Net charge-offs to loans | 0.2734% | 2,977 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.2857% | 4,726 |
| Efficiency ratio | 101.7857% | 678 |
| Assets per employee ($millions) | 4.7895% | 2,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 6,278 |
| Loan loss allowance to noncurrent loans | 34.0872% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 2.8009% | 2,460 |
| Noncurrent loans to loans | 3.0283% | 2,482 |
| Net loans and leases to total assets | 63.3563% | 3,571 |
| Net loans and leases to deposits | 71.4602% | 4,140 |
| Net loans and leases to core deposits | 72.0173% | 4,785 |
| Total domestic deposits to total assets | 88.6596% | 1,983 |
| Equity capital to assets | 6.0518% | 7,281 |
| Core capital (leverage) ratio | 5.9355% | 7,264 |
| Tier 1 risk-based capital ratio | 12.1602% | 5,542 |
| Total risk-based capital ratio | 13.4119% | 5,537 |
| Memoranda: | ||
| Average total assets | $95,700,000 | 5,110 |
| Average earning assets | $89,370,000 | 5,045 |
| Average equity | $5,787,000 | 6,311 |
| Average total loans | $61,453,000 | 4,935 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4044% | 6,612 |
| Cost of funding earning assets | 1.7613% | 1,335 |
| Net interest margin | 2.6431% | 7,176 |
| Noninterest income to average assets | 0.0935% | 6,924 |
| Noninterest expense to average assets | 2.7022% | 4,977 |
| Loan and lease loss provision to assets | 0.3971% | 3,733 |
| Net operating income to assets | -0.2969% | 6,210 |
| Return on assets (ROA) | -0.1429% | 6,100 |
| Pretax return on assets | -0.2742% | 6,143 |
| Return on Equity (ROE) | -2.2850% | 6,204 |
| Retained earnings to average equity (ytd only) | -2.2850% | 6,011 |
| Net charge-offs to loans | 0.5703% | 3,342 |
| Credit loss provision to net charge-offs | 108.9337% | 4,052 |
| Earnings coverage of net charge-offs (x) | -0.3228% | 6,373 |
| Efficiency ratio | 104.5528% | 656 |
| Assets per employee ($millions) | 5.3117% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0961% | 5,963 |
| Loan loss allowance to noncurrent loans | 23.1481% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 3.2486% | 2,171 |
| Noncurrent loans to loans | 4.7350% | 1,469 |
| Net loans and leases to total assets | 63.7057% | 3,936 |
| Net loans and leases to deposits | 71.8546% | 4,547 |
| Net loans and leases to core deposits | 72.8890% | 5,110 |
| Total domestic deposits to total assets | 88.6591% | 1,852 |
| Equity capital to assets | 6.0423% | 7,339 |
| Core capital (leverage) ratio | 5.8569% | 7,324 |
| Tier 1 risk-based capital ratio | 12.3911% | 5,124 |
| Total risk-based capital ratio | 13.6428% | 5,095 |
| Memoranda: | ||
| Average total assets | $95,180,400 | 5,120 |
| Average earning assets | $89,705,400 | 5,025 |
| Average equity | $5,951,800 | 6,379 |
| Average total loans | $60,845,200 | 5,038 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4059% | 6,808 |
| Cost of funding earning assets | 1.7846% | 1,486 |
| Net interest margin | 2.6212% | 7,298 |
| Noninterest income to average assets | 0.1094% | 7,000 |
| Noninterest expense to average assets | 2.6519% | 5,106 |
| Loan and lease loss provision to assets | 0.1767% | 5,269 |
| Net operating income to assets | -0.1325% | 6,221 |
| Return on assets (ROA) | 0.0084% | 6,111 |
| Pretax return on assets | -0.0252% | 6,129 |
| Return on Equity (ROE) | 0.1334% | 6,088 |
| Retained earnings to average equity (ytd only) | 0.1334% | 5,722 |
| Net charge-offs to loans | 0.7627% | 2,521 |
| Credit loss provision to net charge-offs | 36.3112% | 6,077 |
| Earnings coverage of net charge-offs (x) | -0.1412% | 6,140 |
| Efficiency ratio | 102.6602% | 667 |
| Assets per employee ($millions) | 5.3386% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6630% | 7,261 |
| Loan loss allowance to noncurrent loans | 14.3438% | 7,089 |
| Noncurrent assets plus other real estate owned to assets | 3.2801% | 2,179 |
| Noncurrent loans to loans | 4.6223% | 1,543 |
| Net loans and leases to total assets | 65.9524% | 3,699 |
| Net loans and leases to deposits | 74.5463% | 4,422 |
| Net loans and leases to core deposits | 76.3100% | 5,019 |
| Total domestic deposits to total assets | 88.4718% | 1,685 |
| Equity capital to assets | 6.2417% | 7,458 |
| Core capital (leverage) ratio | 6.1846% | 7,409 |
| Tier 1 risk-based capital ratio | 12.9175% | 4,642 |
| Total risk-based capital ratio | 13.8452% | 4,877 |
| Memoranda: | ||
| Average total assets | $95,073,000 | 5,185 |
| Average earning assets | $89,726,250 | 5,080 |
| Average equity | $5,995,500 | 6,445 |
| Average total loans | $60,660,500 | 5,117 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 7,026 |
| Cost of funding earning assets | 1.7968% | 1,652 |
| Net interest margin | 2.5164% | 7,407 |
| Noninterest income to average assets | 0.1034% | 7,087 |
| Noninterest expense to average assets | 2.6116% | 5,273 |
| Loan and lease loss provision to assets | 0.2681% | 4,243 |
| Net operating income to assets | -0.2232% | 6,384 |
| Return on assets (ROA) | -0.1246% | 6,330 |
| Pretax return on assets | -0.2449% | 6,368 |
| Return on Equity (ROE) | -1.9684% | 6,416 |
| Retained earnings to average equity (ytd only) | -1.9684% | 6,142 |
| Net charge-offs to loans | 0.1946% | 4,445 |
| Credit loss provision to net charge-offs | 218.9655% | 1,777 |
| Earnings coverage of net charge-offs (x) | -1.0690% | 6,130 |
| Efficiency ratio | 105.2766% | 646 |
| Assets per employee ($millions) | 5.6164% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5538% | 7,464 |
| Loan loss allowance to noncurrent loans | 10.0375% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 3.6312% | 1,933 |
| Noncurrent loans to loans | 5.5177% | 1,196 |
| Net loans and leases to total assets | 65.4454% | 3,948 |
| Net loans and leases to deposits | 74.0338% | 4,672 |
| Net loans and leases to core deposits | 75.7911% | 5,217 |
| Total domestic deposits to total assets | 88.3994% | 1,780 |
| Equity capital to assets | 6.3093% | 7,497 |
| Core capital (leverage) ratio | 6.1136% | 7,462 |
| Tier 1 risk-based capital ratio | 12.8044% | 4,600 |
| Total risk-based capital ratio | 13.5694% | 5,002 |
| Memoranda: | ||
| Average total assets | $94,732,330 | 5,228 |
| Average earning assets | $89,494,330 | 5,114 |
| Average equity | $5,994,670 | 6,468 |
| Average total loans | $59,614,000 | 5,196 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2404% | 7,219 |
| Cost of funding earning assets | 1.8270% | 1,763 |
| Net interest margin | 2.4134% | 7,523 |
| Noninterest income to average assets | 0.1017% | 7,200 |
| Noninterest expense to average assets | 2.5350% | 5,596 |
| Loan and lease loss provision to assets | 0.4917% | 2,533 |
| Net operating income to assets | -0.3846% | 6,746 |
| Return on assets (ROA) | -0.1865% | 6,602 |
| Pretax return on assets | -0.3476% | 6,683 |
| Return on Equity (ROE) | -2.9431% | 6,734 |
| Retained earnings to average equity (ytd only) | -2.9431% | 6,355 |
| Net charge-offs to loans | 0.4276% | 2,765 |
| Credit loss provision to net charge-offs | 187.0968% | 1,964 |
| Earnings coverage of net charge-offs (x) | -0.6290% | 5,320 |
| Efficiency ratio | 106.9767% | 659 |
| Assets per employee ($millions) | 5.6003% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5595% | 7,543 |
| Loan loss allowance to noncurrent loans | 13.8462% | 7,240 |
| Noncurrent assets plus other real estate owned to assets | 2.5261% | 2,878 |
| Noncurrent loans to loans | 4.0406% | 1,931 |
| Net loans and leases to total assets | 62.1690% | 4,727 |
| Net loans and leases to deposits | 70.3012% | 5,300 |
| Net loans and leases to core deposits | 71.9655% | 5,716 |
| Total domestic deposits to total assets | 88.4323% | 1,836 |
| Equity capital to assets | 6.2465% | 7,583 |
| Core capital (leverage) ratio | 6.1410% | 7,560 |
| Tier 1 risk-based capital ratio | 13.2139% | 4,200 |
| Total risk-based capital ratio | 13.9673% | 4,509 |
| Memoranda: | ||
| Average total assets | $94,359,500 | 5,302 |
| Average earning assets | $88,670,000 | 5,208 |
| Average equity | $5,980,000 | 6,523 |
| Average total loans | $58,004,000 | 5,337 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 7,279 |
| Cost of funding earning assets | 2.3703% | 1,388 |
| Net interest margin | 2.2367% | 7,628 |
| Noninterest income to average assets | 0.0543% | 7,488 |
| Noninterest expense to average assets | 2.3872% | 6,504 |
| Loan and lease loss provision to assets | 0.4484% | 4,139 |
| Net operating income to assets | -0.6804% | 6,342 |
| Return on assets (ROA) | 0.0052% | 5,521 |
| Pretax return on assets | 0.0031% | 5,439 |
| Return on Equity (ROE) | 0.0809% | 5,508 |
| Retained earnings to average equity (ytd only) | 0.0809% | 4,858 |
| Net charge-offs to loans | 0.6554% | 3,225 |
| Credit loss provision to net charge-offs | 109.4388% | 5,038 |
| Earnings coverage of net charge-offs (x) | -0.5714% | 6,736 |
| Efficiency ratio | 110.8738% | 783 |
| Assets per employee ($millions) | 5.5008% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5010% | 7,663 |
| Loan loss allowance to noncurrent loans | 9.3864% | 7,373 |
| Noncurrent assets plus other real estate owned to assets | 3.2883% | 2,088 |
| Noncurrent loans to loans | 5.3375% | 1,228 |
| Net loans and leases to total assets | 60.1022% | 5,320 |
| Net loans and leases to deposits | 68.1930% | 5,801 |
| Net loans and leases to core deposits | 79.5392% | 6,142 |
| Total domestic deposits to total assets | 88.1355% | 1,906 |
| Equity capital to assets | 6.4301% | 7,577 |
| Core capital (leverage) ratio | 6.3008% | 7,552 |
| Tier 1 risk-based capital ratio | 13.5877% | 3,767 |
| Total risk-based capital ratio | 14.2412% | 4,098 |
| Memoranda: | ||
| Average total assets | $95,678,000 | 5,219 |
| Average earning assets | $89,776,400 | 5,129 |
| Average equity | $6,177,000 | 6,539 |
| Average total loans | $59,808,200 | 5,260 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7679% | 7,177 |
| Cost of funding earning assets | 2.4853% | 1,352 |
| Net interest margin | 2.2826% | 7,661 |
| Noninterest income to average assets | 0.0485% | 7,659 |
| Noninterest expense to average assets | 2.2878% | 6,737 |
| Loan and lease loss provision to assets | 0.2910% | 4,648 |
| Net operating income to assets | -0.3062% | 6,211 |
| Return on assets (ROA) | 0.0970% | 5,526 |
| Pretax return on assets | 0.1247% | 5,471 |
| Return on Equity (ROE) | 1.5010% | 5,333 |
| Retained earnings to average equity (ytd only) | 1.5010% | 4,474 |
| Net charge-offs to loans | 0.3628% | 3,837 |
| Credit loss provision to net charge-offs | 127.2727% | 3,947 |
| Earnings coverage of net charge-offs (x) | -0.4424% | 6,454 |
| Efficiency ratio | 104.6261% | 893 |
| Assets per employee ($millions) | 5.9684% | 1,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5019% | 7,712 |
| Loan loss allowance to noncurrent loans | 11.2399% | 7,430 |
| Noncurrent assets plus other real estate owned to assets | 2.7111% | 2,564 |
| Noncurrent loans to loans | 4.4654% | 1,569 |
| Net loans and leases to total assets | 60.4094% | 5,520 |
| Net loans and leases to deposits | 68.5636% | 6,081 |
| Net loans and leases to core deposits | 79.7765% | 6,376 |
| Total domestic deposits to total assets | 88.1072% | 1,607 |
| Equity capital to assets | 6.5365% | 7,755 |
| Core capital (leverage) ratio | 6.2488% | 7,750 |
| Tier 1 risk-based capital ratio | 13.6853% | 3,725 |
| Total risk-based capital ratio | 14.3547% | 4,052 |
| Memoranda: | ||
| Average total assets | $96,219,000 | 5,235 |
| Average earning assets | $90,128,750 | 5,160 |
| Average equity | $6,218,000 | 6,586 |
| Average total loans | $60,638,500 | 5,254 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 7,148 |
| Cost of funding earning assets | 2.6115% | 1,255 |
| Net interest margin | 2.2287% | 7,732 |
| Noninterest income to average assets | 0.0456% | 7,753 |
| Noninterest expense to average assets | 2.1771% | 7,107 |
| Loan and lease loss provision to assets | 0.4354% | 3,379 |
| Net operating income to assets | -0.3827% | 6,429 |
| Return on assets (ROA) | 0.0746% | 5,729 |
| Pretax return on assets | 0.0912% | 5,695 |
| Return on Equity (ROE) | 1.1594% | 5,589 |
| Retained earnings to average equity (ytd only) | 1.1594% | 4,692 |
| Net charge-offs to loans | 0.6729% | 2,359 |
| Credit loss provision to net charge-offs | 101.4493% | 4,503 |
| Earnings coverage of net charge-offs (x) | -0.0725% | 5,774 |
| Efficiency ratio | 101.4493% | 1,106 |
| Assets per employee ($millions) | 6.8768% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4189% | 7,884 |
| Loan loss allowance to noncurrent loans | 7.3712% | 7,526 |
| Noncurrent assets plus other real estate owned to assets | 3.5087% | 1,772 |
| Noncurrent loans to loans | 5.6829% | 1,000 |
| Net loans and leases to total assets | 61.4833% | 5,441 |
| Net loans and leases to deposits | 69.6478% | 6,022 |
| Net loans and leases to core deposits | 80.4778% | 6,365 |
| Total domestic deposits to total assets | 88.2773% | 1,636 |
| Equity capital to assets | 6.3537% | 7,851 |
| Core capital (leverage) ratio | 6.1568% | 7,888 |
| Tier 1 risk-based capital ratio | 14.0894% | 3,466 |
| Total risk-based capital ratio | 14.6825% | 3,795 |
| Memoranda: | ||
| Average total assets | $96,460,330 | 5,267 |
| Average earning assets | $90,906,000 | 5,164 |
| Average equity | $6,210,000 | 6,638 |
| Average total loans | $61,525,000 | 5,266 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 6,935 |
| Cost of funding earning assets | 2.7444% | 1,129 |
| Net interest margin | 2.2537% | 7,757 |
| Noninterest income to average assets | 0.0331% | 7,912 |
| Noninterest expense to average assets | 1.5038% | 7,983 |
| Loan and lease loss provision to assets | 0.6297% | 2,007 |
| Net operating income to assets | 0.0466% | 6,137 |
| Return on assets (ROA) | 0.1450% | 6,007 |
| Pretax return on assets | 0.1533% | 6,042 |
| Return on Equity (ROE) | 2.2377% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.2377% | 4,627 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8805% | 4,801 |
| Assets per employee ($millions) | 8.0439% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 7,093 |
| Loan loss allowance to noncurrent loans | 22.4077% | 7,044 |
| Noncurrent assets plus other real estate owned to assets | 2.3579% | 2,430 |
| Noncurrent loans to loans | 3.6487% | 1,723 |
| Net loans and leases to total assets | 64.0950% | 4,971 |
| Net loans and leases to deposits | 72.6904% | 5,655 |
| Net loans and leases to core deposits | 84.0463% | 6,056 |
| Total domestic deposits to total assets | 88.1753% | 1,661 |
| Equity capital to assets | 6.5360% | 7,859 |
| Core capital (leverage) ratio | 6.1500% | 7,980 |
| Tier 1 risk-based capital ratio | 13.6300% | 3,786 |
| Total risk-based capital ratio | 14.8058% | 3,757 |
| Memoranda: | ||
| Average total assets | $96,553,000 | 5,287 |
| Average earning assets | $92,115,000 | 5,142 |
| Average equity | $6,256,500 | 6,669 |
| Average total loans | $62,566,500 | 5,259 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4655% | 7,372 |
| Cost of funding earning assets | 3.4276% | 660 |
| Net interest margin | 2.0379% | 8,044 |
| Noninterest income to average assets | 0.1119% | 7,567 |
| Noninterest expense to average assets | 1.7048% | 7,861 |
| Loan and lease loss provision to assets | 0.2517% | 4,401 |
| Net operating income to assets | 0.0128% | 6,334 |
| Return on assets (ROA) | 0.0183% | 6,174 |
| Pretax return on assets | 0.1151% | 5,913 |
| Return on Equity (ROE) | 0.2830% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.2830% | 5,073 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6382% | 2,223 |
| Assets per employee ($millions) | 8.7799% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5705% | 7,726 |
| Loan loss allowance to noncurrent loans | 13.9735% | 7,425 |
| Noncurrent assets plus other real estate owned to assets | 2.6528% | 1,803 |
| Noncurrent loans to loans | 4.0826% | 1,196 |
| Net loans and leases to total assets | 64.6062% | 5,149 |
| Net loans and leases to deposits | 73.6505% | 5,883 |
| Net loans and leases to core deposits | 85.2148% | 6,190 |
| Total domestic deposits to total assets | 87.7199% | 1,599 |
| Equity capital to assets | 6.4238% | 7,962 |
| Core capital (leverage) ratio | 6.0795% | 8,052 |
| Tier 1 risk-based capital ratio | 13.4625% | 3,844 |
| Total risk-based capital ratio | 14.2864% | 3,998 |
| Memoranda: | ||
| Average total assets | $92,972,400 | 5,261 |
| Average earning assets | $89,013,200 | 5,117 |
| Average equity | $6,008,000 | 6,798 |
| Average total loans | $60,841,200 | 5,224 |