Home > Central Federal Savings and Loan Association of Rolla > Performance and Condition Ratios
Central Federal Savings and Loan Association of Rolla, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9114% | 4,012 |
| Cost of funding earning assets | 0.6499% | 3,170 |
| Net interest margin | 3.2614% | 3,689 |
| Noninterest income to average assets | 0.2968% | 3,741 |
| Noninterest expense to average assets | 2.9908% | 1,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3379% | 4,264 |
| Return on assets (ROA) | 0.3425% | 4,287 |
| Pretax return on assets | 0.4909% | 4,141 |
| Return on Equity (ROE) | 1.1345% | 4,611 |
| Retained earnings to average equity (ytd only) | 1.1345% | 3,709 |
| Net charge-offs to loans | -0.0076% | 3,980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0427% | 705 |
| Assets per employee ($millions) | 4.6569% | 3,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5599% | 4,818 |
| Loan loss allowance to noncurrent loans | 372.1519% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 4,054 |
| Noncurrent loans to loans | 0.1505% | 3,919 |
| Net loans and leases to total assets | 74.7441% | 1,500 |
| Net loans and leases to deposits | 110.4107% | 181 |
| Net loans and leases to core deposits | 114.6487% | 641 |
| Total domestic deposits to total assets | 67.6964% | 4,935 |
| Equity capital to assets | 30.4024% | 67 |
| Core capital (leverage) ratio | 30.3622% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.6328% | 271 |
| Memoranda: | ||
| Average total assets | $70,082,500 | 4,417 |
| Average earning assets | $68,313,500 | 4,346 |
| Average equity | $21,155,500 | 3,060 |
| Average total loans | $52,368,500 | 4,103 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 3,913 |
| Cost of funding earning assets | 0.6897% | 3,212 |
| Net interest margin | 3.4662% | 3,547 |
| Noninterest income to average assets | 0.1939% | 4,498 |
| Noninterest expense to average assets | 3.1937% | 1,538 |
| Loan and lease loss provision to assets | 0.0172% | 3,672 |
| Net operating income to assets | 0.2408% | 4,808 |
| Return on assets (ROA) | 0.2658% | 4,807 |
| Pretax return on assets | 0.3865% | 4,735 |
| Return on Equity (ROE) | 0.8851% | 4,927 |
| Retained earnings to average equity (ytd only) | 0.8851% | 4,421 |
| Net charge-offs to loans | 0.0018% | 3,645 |
| Credit loss provision to net charge-offs | 1,200.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 259.0000% | 316 |
| Efficiency ratio | 89.5649% | 367 |
| Assets per employee ($millions) | 4.6875% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5610% | 4,803 |
| Loan loss allowance to noncurrent loans | 366.2500% | 1,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1138% | 4,065 |
| Noncurrent loans to loans | 0.1532% | 3,915 |
| Net loans and leases to total assets | 73.8693% | 1,777 |
| Net loans and leases to deposits | 108.4639% | 218 |
| Net loans and leases to core deposits | 112.6146% | 734 |
| Total domestic deposits to total assets | 68.1050% | 4,989 |
| Equity capital to assets | 29.9721% | 72 |
| Core capital (leverage) ratio | 30.2745% | 67 |
| Tier 1 risk-based capital ratio | 44.2467% | 186 |
| Total risk-based capital ratio | 44.8608% | 190 |
| Memoranda: | ||
| Average total assets | $69,606,800 | 4,437 |
| Average earning assets | $67,712,000 | 4,377 |
| Average equity | $20,900,800 | 3,046 |
| Average total loans | $55,213,000 | 4,074 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 3,872 |
| Cost of funding earning assets | 0.6912% | 3,257 |
| Net interest margin | 3.5332% | 3,460 |
| Noninterest income to average assets | 0.1748% | 4,670 |
| Noninterest expense to average assets | 3.2703% | 1,330 |
| Loan and lease loss provision to assets | 0.0230% | 3,441 |
| Net operating income to assets | 0.2163% | 4,940 |
| Return on assets (ROA) | 0.2496% | 4,919 |
| Pretax return on assets | 0.3591% | 4,849 |
| Return on Equity (ROE) | 0.8310% | 5,029 |
| Retained earnings to average equity (ytd only) | 0.8310% | 4,606 |
| Net charge-offs to loans | 0.0024% | 3,353 |
| Credit loss provision to net charge-offs | 1,200.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 177.4361% | 480 |
| Efficiency ratio | 90.5851% | 305 |
| Assets per employee ($millions) | 4.3296% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5480% | 4,901 |
| Loan loss allowance to noncurrent loans | 357.3171% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,776 |
| Noncurrent loans to loans | 0.1534% | 3,992 |
| Net loans and leases to total assets | 76.7673% | 1,349 |
| Net loans and leases to deposits | 113.5163% | 143 |
| Net loans and leases to core deposits | 117.9188% | 597 |
| Total domestic deposits to total assets | 67.6266% | 5,068 |
| Equity capital to assets | 30.3379% | 70 |
| Core capital (leverage) ratio | 30.2507% | 69 |
| Tier 1 risk-based capital ratio | 43.6921% | 189 |
| Total risk-based capital ratio | 44.3007% | 192 |
| Memoranda: | ||
| Average total assets | $69,430,500 | 4,492 |
| Average earning assets | $67,510,000 | 4,435 |
| Average equity | $20,857,500 | 3,075 |
| Average total loans | $55,958,250 | 4,103 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 3,861 |
| Cost of funding earning assets | 0.6779% | 3,286 |
| Net interest margin | 3.5463% | 3,446 |
| Noninterest income to average assets | 0.1612% | 4,783 |
| Noninterest expense to average assets | 3.2612% | 1,357 |
| Loan and lease loss provision to assets | 0.0345% | 3,136 |
| Net operating income to assets | 0.2211% | 4,971 |
| Return on assets (ROA) | 0.2734% | 4,920 |
| Pretax return on assets | 0.3799% | 4,851 |
| Return on Equity (ROE) | 0.9133% | 5,058 |
| Retained earnings to average equity (ytd only) | 0.9133% | 4,460 |
| Net charge-offs to loans | 0.0106% | 2,756 |
| Credit loss provision to net charge-offs | 400.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 40.3333% | 1,239 |
| Efficiency ratio | 90.3509% | 340 |
| Assets per employee ($millions) | 4.3803% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5092% | 5,006 |
| Loan loss allowance to noncurrent loans | 271.9626% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 3,646 |
| Noncurrent loans to loans | 0.1872% | 3,882 |
| Net loans and leases to total assets | 81.1212% | 713 |
| Net loans and leases to deposits | 119.0165% | 97 |
| Net loans and leases to core deposits | 124.9132% | 412 |
| Total domestic deposits to total assets | 68.1596% | 5,100 |
| Equity capital to assets | 29.8856% | 71 |
| Core capital (leverage) ratio | 30.1976% | 69 |
| Tier 1 risk-based capital ratio | 41.1925% | 221 |
| Total risk-based capital ratio | 41.7639% | 225 |
| Memoranda: | ||
| Average total assets | $69,483,000 | 4,529 |
| Average earning assets | $67,564,000 | 4,469 |
| Average equity | $20,804,670 | 3,074 |
| Average total loans | $56,787,000 | 4,110 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 3,835 |
| Cost of funding earning assets | 0.6726% | 3,188 |
| Net interest margin | 3.5357% | 3,480 |
| Noninterest income to average assets | 0.1041% | 5,062 |
| Noninterest expense to average assets | 3.2378% | 1,411 |
| Loan and lease loss provision to assets | 0.0347% | 2,932 |
| Net operating income to assets | 0.1932% | 5,013 |
| Return on assets (ROA) | 0.2891% | 4,920 |
| Pretax return on assets | 0.3874% | 4,853 |
| Return on Equity (ROE) | 0.9646% | 5,074 |
| Retained earnings to average equity (ytd only) | 0.9646% | 4,315 |
| Net charge-offs to loans | 0.0283% | 1,894 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,850 |
| Efficiency ratio | 91.5033% | 342 |
| Assets per employee ($millions) | 4.3364% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4859% | 5,097 |
| Loan loss allowance to noncurrent loans | 253.5714% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3560% | 3,180 |
| Noncurrent loans to loans | 0.1916% | 3,899 |
| Net loans and leases to total assets | 83.8231% | 388 |
| Net loans and leases to deposits | 123.2522% | 68 |
| Net loans and leases to core deposits | 132.0565% | 283 |
| Total domestic deposits to total assets | 68.0095% | 5,177 |
| Equity capital to assets | 29.9756% | 71 |
| Core capital (leverage) ratio | 30.4031% | 68 |
| Tier 1 risk-based capital ratio | 41.4469% | 215 |
| Total risk-based capital ratio | 42.0096% | 220 |
| Memoranda: | ||
| Average total assets | $69,182,500 | 4,583 |
| Average earning assets | $67,199,500 | 4,525 |
| Average equity | $20,734,500 | 3,091 |
| Average total loans | $56,608,500 | 4,152 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 4,081 |
| Cost of funding earning assets | 0.5620% | 2,977 |
| Net interest margin | 3.4172% | 3,953 |
| Noninterest income to average assets | 0.2082% | 4,672 |
| Noninterest expense to average assets | 3.1117% | 1,768 |
| Loan and lease loss provision to assets | 0.0364% | 3,471 |
| Net operating income to assets | 0.2859% | 5,028 |
| Return on assets (ROA) | 0.2606% | 5,045 |
| Pretax return on assets | 0.3393% | 5,010 |
| Return on Equity (ROE) | 0.8715% | 5,174 |
| Retained earnings to average equity (ytd only) | 0.8715% | 4,750 |
| Net charge-offs to loans | 0.0295% | 2,810 |
| Credit loss provision to net charge-offs | 156.2500% | 1,777 |
| Earnings coverage of net charge-offs (x) | 17.5000% | 2,194 |
| Efficiency ratio | 88.4154% | 412 |
| Assets per employee ($millions) | 4.3114% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5148% | 5,104 |
| Loan loss allowance to noncurrent loans | 89.2405% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.6654% | 2,061 |
| Noncurrent loans to loans | 0.5769% | 2,556 |
| Net loans and leases to total assets | 78.9945% | 1,094 |
| Net loans and leases to deposits | 116.1257% | 144 |
| Net loans and leases to core deposits | 120.9938% | 517 |
| Total domestic deposits to total assets | 68.0250% | 5,207 |
| Equity capital to assets | 29.9658% | 68 |
| Core capital (leverage) ratio | 29.9269% | 71 |
| Tier 1 risk-based capital ratio | 46.0907% | 165 |
| Total risk-based capital ratio | 46.7143% | 167 |
| Memoranda: | ||
| Average total assets | $68,676,400 | 4,604 |
| Average earning assets | $66,545,000 | 4,548 |
| Average equity | $20,538,400 | 3,042 |
| Average total loans | $54,167,800 | 4,222 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9366% | 4,116 |
| Cost of funding earning assets | 0.5300% | 2,994 |
| Net interest margin | 3.4066% | 3,989 |
| Noninterest income to average assets | 0.2235% | 4,629 |
| Noninterest expense to average assets | 3.0573% | 1,867 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3561% | 5,018 |
| Return on assets (ROA) | 0.3285% | 5,053 |
| Pretax return on assets | 0.4295% | 5,003 |
| Return on Equity (ROE) | 1.0989% | 5,224 |
| Retained earnings to average equity (ytd only) | 1.0989% | 4,829 |
| Net charge-offs to loans | 0.0296% | 2,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 19.9163% | 1,973 |
| Efficiency ratio | 86.8102% | 474 |
| Assets per employee ($millions) | 4.6717% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4735% | 5,221 |
| Loan loss allowance to noncurrent loans | 96.6667% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 2,742 |
| Noncurrent loans to loans | 0.4899% | 2,920 |
| Net loans and leases to total assets | 78.2833% | 1,298 |
| Net loans and leases to deposits | 114.1641% | 180 |
| Net loans and leases to core deposits | 118.8127% | 613 |
| Total domestic deposits to total assets | 68.5708% | 5,269 |
| Equity capital to assets | 29.3757% | 67 |
| Core capital (leverage) ratio | 30.1367% | 67 |
| Tier 1 risk-based capital ratio | 40.6713% | 224 |
| Total risk-based capital ratio | 41.1813% | 233 |
| Memoranda: | ||
| Average total assets | $68,600,000 | 4,650 |
| Average earning assets | $66,418,000 | 4,603 |
| Average equity | $20,505,250 | 3,066 |
| Average total loans | $54,016,250 | 4,271 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9057% | 4,065 |
| Cost of funding earning assets | 0.4912% | 3,072 |
| Net interest margin | 3.4144% | 3,910 |
| Noninterest income to average assets | 0.2320% | 4,629 |
| Noninterest expense to average assets | 3.1391% | 1,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3020% | 5,110 |
| Return on assets (ROA) | 0.2672% | 5,157 |
| Pretax return on assets | 0.3553% | 5,102 |
| Return on Equity (ROE) | 0.8887% | 5,283 |
| Retained earnings to average equity (ytd only) | 0.8887% | 4,784 |
| Net charge-offs to loans | 0.0485% | 1,918 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 10.4615% | 2,327 |
| Efficiency ratio | 88.7137% | 421 |
| Assets per employee ($millions) | 4.5801% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4624% | 5,303 |
| Loan loss allowance to noncurrent loans | 134.0206% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 3,197 |
| Noncurrent loans to loans | 0.3450% | 3,460 |
| Net loans and leases to total assets | 81.4678% | 776 |
| Net loans and leases to deposits | 119.6989% | 110 |
| Net loans and leases to core deposits | 123.9426% | 461 |
| Total domestic deposits to total assets | 68.0606% | 5,337 |
| Equity capital to assets | 29.8681% | 68 |
| Core capital (leverage) ratio | 30.6842% | 67 |
| Tier 1 risk-based capital ratio | 44.3479% | 181 |
| Total risk-based capital ratio | 44.9044% | 185 |
| Memoranda: | ||
| Average total assets | $68,108,330 | 4,710 |
| Average earning assets | $65,955,670 | 4,658 |
| Average equity | $20,478,670 | 3,083 |
| Average total loans | $53,649,000 | 4,314 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8314% | 4,128 |
| Cost of funding earning assets | 0.4698% | 3,044 |
| Net interest margin | 3.3617% | 4,016 |
| Noninterest income to average assets | 0.1888% | 4,893 |
| Noninterest expense to average assets | 3.1676% | 1,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2078% | 5,231 |
| Return on assets (ROA) | 0.1239% | 5,310 |
| Pretax return on assets | 0.1652% | 5,292 |
| Return on Equity (ROE) | 0.4106% | 5,356 |
| Retained earnings to average equity (ytd only) | 0.4106% | 4,742 |
| Net charge-offs to loans | 0.1146% | 1,094 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.0667% | 2,413 |
| Efficiency ratio | 92.1098% | 361 |
| Assets per employee ($millions) | 4.5138% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4914% | 5,340 |
| Loan loss allowance to noncurrent loans | 218.6441% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 3,737 |
| Noncurrent loans to loans | 0.2247% | 3,978 |
| Net loans and leases to total assets | 77.1693% | 1,360 |
| Net loans and leases to deposits | 113.9166% | 181 |
| Net loans and leases to core deposits | 115.6002% | 742 |
| Total domestic deposits to total assets | 67.7419% | 5,423 |
| Equity capital to assets | 30.1741% | 65 |
| Core capital (leverage) ratio | 30.1565% | 66 |
| Tier 1 risk-based capital ratio | 50.6704% | 127 |
| Total risk-based capital ratio | 51.3040% | 129 |
| Memoranda: | ||
| Average total assets | $67,811,500 | 4,776 |
| Average earning assets | $65,563,000 | 4,722 |
| Average equity | $20,458,000 | 3,112 |
| Average total loans | $52,358,500 | 4,385 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6343% | 4,494 |
| Cost of funding earning assets | 0.4880% | 2,441 |
| Net interest margin | 3.1463% | 4,588 |
| Noninterest income to average assets | 0.1935% | 4,983 |
| Noninterest expense to average assets | 2.9565% | 2,275 |
| Loan and lease loss provision to assets | 0.0127% | 4,034 |
| Net operating income to assets | 0.1794% | 5,146 |
| Return on assets (ROA) | 0.1794% | 5,159 |
| Pretax return on assets | 0.2754% | 5,238 |
| Return on Equity (ROE) | 0.6236% | 5,294 |
| Retained earnings to average equity (ytd only) | 0.6236% | 4,792 |
| Net charge-offs to loans | -0.0039% | 4,599 |
| Credit loss provision to net charge-offs | -450.0000% | 4,930 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1189% | 376 |
| Assets per employee ($millions) | 4.5277% | 3,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5229% | 5,362 |
| Loan loss allowance to noncurrent loans | 273.0000% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 4,406 |
| Noncurrent loans to loans | 0.1915% | 4,148 |
| Net loans and leases to total assets | 76.4724% | 1,512 |
| Net loans and leases to deposits | 112.8476% | 193 |
| Net loans and leases to core deposits | 114.5071% | 775 |
| Total domestic deposits to total assets | 67.7661% | 5,480 |
| Equity capital to assets | 30.1637% | 62 |
| Core capital (leverage) ratio | 30.1624% | 61 |
| Tier 1 risk-based capital ratio | 51.0712% | 118 |
| Total risk-based capital ratio | 51.4728% | 119 |
| Memoranda: | ||
| Average total assets | $70,793,400 | 4,764 |
| Average earning assets | $68,651,600 | 4,691 |
| Average equity | $20,366,800 | 3,102 |
| Average total loans | $51,249,000 | 4,425 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5761% | 4,618 |
| Cost of funding earning assets | 0.4960% | 2,299 |
| Net interest margin | 3.0800% | 4,757 |
| Noninterest income to average assets | 0.1939% | 5,046 |
| Noninterest expense to average assets | 2.9588% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1566% | 5,394 |
| Return on assets (ROA) | 0.1566% | 5,403 |
| Pretax return on assets | 0.2219% | 5,367 |
| Return on Equity (ROE) | 0.5507% | 5,474 |
| Retained earnings to average equity (ytd only) | 0.5507% | 5,095 |
| Net charge-offs to loans | -0.0052% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0246% | 315 |
| Assets per employee ($millions) | 4.5815% | 2,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5019% | 5,463 |
| Loan loss allowance to noncurrent loans | 910.3448% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 5,022 |
| Noncurrent loans to loans | 0.0551% | 4,863 |
| Net loans and leases to total assets | 76.1576% | 1,569 |
| Net loans and leases to deposits | 111.7333% | 222 |
| Net loans and leases to core deposits | 113.3473% | 873 |
| Total domestic deposits to total assets | 68.1601% | 5,532 |
| Equity capital to assets | 29.7372% | 64 |
| Core capital (leverage) ratio | 28.8128% | 65 |
| Tier 1 risk-based capital ratio | 50.6317% | 126 |
| Total risk-based capital ratio | 51.0783% | 128 |
| Memoranda: | ||
| Average total assets | $71,512,750 | 4,804 |
| Average earning assets | $69,348,500 | 4,729 |
| Average equity | $20,337,000 | 3,127 |
| Average total loans | $51,008,750 | 4,476 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5384% | 4,661 |
| Cost of funding earning assets | 0.5071% | 2,116 |
| Net interest margin | 3.0313% | 4,840 |
| Noninterest income to average assets | 0.2209% | 4,927 |
| Noninterest expense to average assets | 2.8961% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2071% | 5,388 |
| Return on assets (ROA) | 0.2071% | 5,402 |
| Pretax return on assets | 0.2623% | 5,378 |
| Return on Equity (ROE) | 0.7388% | 5,504 |
| Retained earnings to average equity (ytd only) | 0.7388% | 4,911 |
| Net charge-offs to loans | -0.0079% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6958% | 376 |
| Assets per employee ($millions) | 4.4078% | 3,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5119% | 5,506 |
| Loan loss allowance to noncurrent loans | 851.6129% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 5,062 |
| Noncurrent loans to loans | 0.0601% | 4,887 |
| Net loans and leases to total assets | 72.7473% | 2,088 |
| Net loans and leases to deposits | 105.4378% | 420 |
| Net loans and leases to core deposits | 107.4630% | 1,131 |
| Total domestic deposits to total assets | 68.9954% | 5,570 |
| Equity capital to assets | 28.9727% | 60 |
| Core capital (leverage) ratio | 28.4633% | 63 |
| Tier 1 risk-based capital ratio | 36.0282% | 280 |
| Total risk-based capital ratio | 36.3833% | 295 |
| Memoranda: | ||
| Average total assets | $72,443,000 | 4,813 |
| Average earning assets | $70,202,000 | 4,742 |
| Average equity | $20,304,000 | 3,124 |
| Average total loans | $50,478,000 | 4,516 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4384% | 4,862 |
| Cost of funding earning assets | 0.5225% | 1,920 |
| Net interest margin | 2.9159% | 5,057 |
| Noninterest income to average assets | 0.1962% | 5,094 |
| Noninterest expense to average assets | 2.7574% | 2,933 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1798% | 5,424 |
| Return on assets (ROA) | 0.1798% | 5,437 |
| Pretax return on assets | 0.2670% | 5,355 |
| Return on Equity (ROE) | 0.6522% | 5,544 |
| Retained earnings to average equity (ytd only) | 0.6522% | 4,758 |
| Net charge-offs to loans | -0.0080% | 4,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1712% | 496 |
| Assets per employee ($millions) | 4.5583% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5221% | 5,577 |
| Loan loss allowance to noncurrent loans | 228.6957% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 4,625 |
| Noncurrent loans to loans | 0.2283% | 4,296 |
| Net loans and leases to total assets | 68.7065% | 2,569 |
| Net loans and leases to deposits | 97.8940% | 777 |
| Net loans and leases to core deposits | 103.0053% | 1,291 |
| Total domestic deposits to total assets | 70.1846% | 5,624 |
| Equity capital to assets | 27.8410% | 69 |
| Core capital (leverage) ratio | 28.0394% | 67 |
| Tier 1 risk-based capital ratio | 51.8327% | 115 |
| Total risk-based capital ratio | 52.4989% | 116 |
| Memoranda: | ||
| Average total assets | $73,402,000 | 4,841 |
| Average earning assets | $71,196,500 | 4,761 |
| Average equity | $20,239,500 | 3,141 |
| Average total loans | $49,932,500 | 4,565 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3750% | 5,031 |
| Cost of funding earning assets | 0.5616% | 1,596 |
| Net interest margin | 2.8134% | 5,270 |
| Noninterest income to average assets | 0.1536% | 5,443 |
| Noninterest expense to average assets | 2.6206% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.1575% | 5,483 |
| Return on assets (ROA) | 0.1575% | 5,523 |
| Pretax return on assets | 0.1875% | 5,510 |
| Return on Equity (ROE) | 0.6297% | 5,611 |
| Retained earnings to average equity (ytd only) | 0.6297% | 5,075 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3241% | 410 |
| Assets per employee ($millions) | 4.6170% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5294% | 5,631 |
| Loan loss allowance to noncurrent loans | 56.5875% | 4,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6620% | 2,737 |
| Noncurrent loans to loans | 0.9355% | 2,214 |
| Net loans and leases to total assets | 66.6437% | 2,981 |
| Net loans and leases to deposits | 94.6004% | 1,132 |
| Net loans and leases to core deposits | 99.4465% | 1,669 |
| Total domestic deposits to total assets | 70.4475% | 5,645 |
| Equity capital to assets | 27.3094% | 78 |
| Core capital (leverage) ratio | 27.4371% | 76 |
| Tier 1 risk-based capital ratio | 52.8993% | 119 |
| Total risk-based capital ratio | 53.5794% | 121 |
| Memoranda: | ||
| Average total assets | $76,814,400 | 4,796 |
| Average earning assets | $72,473,600 | 4,749 |
| Average equity | $19,214,000 | 3,249 |
| Average total loans | $49,720,800 | 4,584 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4631% | 4,904 |
| Cost of funding earning assets | 0.5665% | 1,572 |
| Net interest margin | 2.8966% | 5,194 |
| Noninterest income to average assets | 0.1341% | 5,581 |
| Noninterest expense to average assets | 2.6718% | 3,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1788% | 5,501 |
| Return on assets (ROA) | 0.1788% | 5,562 |
| Pretax return on assets | 0.1788% | 5,589 |
| Return on Equity (ROE) | 0.7308% | 5,678 |
| Retained earnings to average equity (ytd only) | 0.7308% | 5,169 |
| Net charge-offs to loans | -0.0027% | 4,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7274% | 400 |
| Assets per employee ($millions) | 5.3065% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5273% | 5,705 |
| Loan loss allowance to noncurrent loans | 73.5955% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.4792% | 3,519 |
| Noncurrent loans to loans | 0.7164% | 2,886 |
| Net loans and leases to total assets | 66.5343% | 3,035 |
| Net loans and leases to deposits | 94.3842% | 1,223 |
| Net loans and leases to core deposits | 99.1774% | 1,712 |
| Total domestic deposits to total assets | 70.4931% | 5,668 |
| Equity capital to assets | 27.4165% | 72 |
| Core capital (leverage) ratio | 27.5366% | 71 |
| Tier 1 risk-based capital ratio | 49.6696% | 133 |
| Total risk-based capital ratio | 50.3085% | 139 |
| Memoranda: | ||
| Average total assets | $77,550,000 | 4,822 |
| Average earning assets | $72,726,250 | 4,780 |
| Average equity | $18,974,000 | 3,300 |
| Average total loans | $49,777,750 | 4,620 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3436% | 5,198 |
| Cost of funding earning assets | 0.5733% | 1,520 |
| Net interest margin | 2.7704% | 5,481 |
| Noninterest income to average assets | 0.2365% | 5,069 |
| Noninterest expense to average assets | 2.6375% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1679% | 5,585 |
| Return on assets (ROA) | 0.1679% | 5,635 |
| Pretax return on assets | 0.1679% | 5,655 |
| Return on Equity (ROE) | 0.7132% | 5,725 |
| Retained earnings to average equity (ytd only) | 0.7132% | 5,089 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0163% | 416 |
| Assets per employee ($millions) | 5.2603% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5391% | 5,757 |
| Loan loss allowance to noncurrent loans | 33.4187% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 1.4258% | 1,365 |
| Noncurrent loans to loans | 1.6130% | 1,327 |
| Net loans and leases to total assets | 65.3916% | 3,168 |
| Net loans and leases to deposits | 92.9385% | 1,402 |
| Net loans and leases to core deposits | 97.7033% | 1,832 |
| Total domestic deposits to total assets | 70.3601% | 5,767 |
| Equity capital to assets | 27.5813% | 70 |
| Core capital (leverage) ratio | 27.0380% | 73 |
| Tier 1 risk-based capital ratio | 49.9852% | 133 |
| Total risk-based capital ratio | 50.6275% | 136 |
| Memoranda: | ||
| Average total assets | $78,636,330 | 4,847 |
| Average earning assets | $72,914,670 | 4,821 |
| Average equity | $18,509,330 | 3,373 |
| Average total loans | $49,806,670 | 4,655 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3128% | 5,296 |
| Cost of funding earning assets | 0.5205% | 1,941 |
| Net interest margin | 2.7923% | 5,475 |
| Noninterest income to average assets | 0.2613% | 4,863 |
| Noninterest expense to average assets | 2.9236% | 2,622 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.0789% | 5,835 |
| Return on assets (ROA) | -0.0789% | 5,852 |
| Pretax return on assets | -0.1233% | 5,868 |
| Return on Equity (ROE) | -0.3635% | 5,838 |
| Retained earnings to average equity (ytd only) | -0.3635% | 5,179 |
| Net charge-offs to loans | 0.0079% | 2,853 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -25.0000% | 3,082 |
| Efficiency ratio | 104.4014% | 209 |
| Assets per employee ($millions) | 5.8116% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5112% | 5,854 |
| Loan loss allowance to noncurrent loans | 34.1656% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 1.2659% | 1,711 |
| Noncurrent loans to loans | 1.4962% | 1,567 |
| Net loans and leases to total assets | 62.1937% | 3,499 |
| Net loans and leases to deposits | 84.8130% | 2,213 |
| Net loans and leases to core deposits | 88.5564% | 2,508 |
| Total domestic deposits to total assets | 73.3303% | 5,664 |
| Equity capital to assets | 26.5062% | 75 |
| Core capital (leverage) ratio | 28.9400% | 63 |
| Tier 1 risk-based capital ratio | 55.9897% | 104 |
| Total risk-based capital ratio | 56.6674% | 104 |
| Memoranda: | ||
| Average total assets | $81,132,500 | 4,834 |
| Average earning assets | $73,774,000 | 4,851 |
| Average equity | $17,608,000 | 3,492 |
| Average total loans | $50,501,000 | 4,657 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7462% | 4,207 |
| Cost of funding earning assets | 0.7287% | 705 |
| Net interest margin | 3.0175% | 5,096 |
| Noninterest income to average assets | 0.1622% | 5,611 |
| Noninterest expense to average assets | 2.8583% | 2,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1051% | 5,748 |
| Return on assets (ROA) | 0.1051% | 5,790 |
| Pretax return on assets | 0.1712% | 5,724 |
| Return on Equity (ROE) | 0.5128% | 5,838 |
| Retained earnings to average equity (ytd only) | 0.5128% | 5,314 |
| Net charge-offs to loans | 0.2424% | 1,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.9344% | 4,160 |
| Efficiency ratio | 94.3480% | 469 |
| Assets per employee ($millions) | 6.2233% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5205% | 5,907 |
| Loan loss allowance to noncurrent loans | 38.4956% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 1.5883% | 1,246 |
| Noncurrent loans to loans | 1.3522% | 1,736 |
| Net loans and leases to total assets | 61.6528% | 3,613 |
| Net loans and leases to deposits | 74.8585% | 3,395 |
| Net loans and leases to core deposits | 77.7986% | 3,566 |
| Total domestic deposits to total assets | 82.3591% | 4,068 |
| Equity capital to assets | 16.8721% | 426 |
| Core capital (leverage) ratio | 20.5396% | 178 |
| Tier 1 risk-based capital ratio | 36.1146% | 310 |
| Total risk-based capital ratio | 36.8101% | 317 |
| Memoranda: | ||
| Average total assets | $66,577,400 | 5,166 |
| Average earning assets | $63,264,600 | 5,101 |
| Average equity | $13,649,800 | 4,026 |
| Average total loans | $50,320,200 | 4,658 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9988% | 3,353 |
| Cost of funding earning assets | 0.7793% | 563 |
| Net interest margin | 3.2195% | 4,612 |
| Noninterest income to average assets | 0.1714% | 5,620 |
| Noninterest expense to average assets | 2.9842% | 2,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1524% | 5,767 |
| Return on assets (ROA) | 0.1524% | 5,821 |
| Pretax return on assets | 0.2476% | 5,726 |
| Return on Equity (ROE) | 0.7033% | 5,898 |
| Retained earnings to average equity (ytd only) | 0.7033% | 5,405 |
| Net charge-offs to loans | 0.3230% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.9591% | 3,893 |
| Efficiency ratio | 92.3379% | 549 |
| Assets per employee ($millions) | 4.7529% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5324% | 5,985 |
| Loan loss allowance to noncurrent loans | 88.7755% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 1.4598% | 1,543 |
| Noncurrent loans to loans | 0.5998% | 3,524 |
| Net loans and leases to total assets | 78.9118% | 972 |
| Net loans and leases to deposits | 101.4249% | 582 |
| Net loans and leases to core deposits | 107.0217% | 1,034 |
| Total domestic deposits to total assets | 77.8031% | 5,219 |
| Equity capital to assets | 22.0981% | 155 |
| Core capital (leverage) ratio | 21.7897% | 145 |
| Tier 1 risk-based capital ratio | 38.4502% | 273 |
| Total risk-based capital ratio | 39.1910% | 284 |
| Memoranda: | ||
| Average total assets | $62,996,000 | 5,308 |
| Average earning assets | $59,883,750 | 5,254 |
| Average equity | $13,649,750 | 4,073 |
| Average total loans | $50,365,250 | 4,700 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,066 |
| Cost of funding earning assets | 0.7797% | 556 |
| Net interest margin | 3.2716% | 4,415 |
| Noninterest income to average assets | 0.1640% | 5,719 |
| Noninterest expense to average assets | 2.8486% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2618% | 5,545 |
| Return on assets (ROA) | 0.2618% | 5,630 |
| Pretax return on assets | 0.4259% | 5,410 |
| Return on Equity (ROE) | 1.2163% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.2163% | 5,071 |
| Net charge-offs to loans | 0.4133% | 624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 3,541 |
| Efficiency ratio | 86.9942% | 981 |
| Assets per employee ($millions) | 4.8035% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5573% | 6,036 |
| Loan loss allowance to noncurrent loans | 59.6567% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.6030% | 1,505 |
| Noncurrent loans to loans | 0.9341% | 2,796 |
| Net loans and leases to total assets | 79.4411% | 878 |
| Net loans and leases to deposits | 101.9671% | 552 |
| Net loans and leases to core deposits | 107.5118% | 991 |
| Total domestic deposits to total assets | 77.9086% | 5,296 |
| Equity capital to assets | 21.9025% | 158 |
| Core capital (leverage) ratio | 19.9292% | 210 |
| Tier 1 risk-based capital ratio | 38.4263% | 284 |
| Total risk-based capital ratio | 39.2131% | 292 |
| Memoranda: | ||
| Average total assets | $63,398,670 | 5,361 |
| Average earning assets | $60,277,000 | 5,303 |
| Average equity | $13,648,330 | 4,104 |
| Average total loans | $50,814,000 | 4,725 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2027% | 2,452 |
| Cost of funding earning assets | 0.7864% | 549 |
| Net interest margin | 3.4164% | 3,776 |
| Noninterest income to average assets | 0.1566% | 5,803 |
| Noninterest expense to average assets | 2.8117% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5072% | 4,648 |
| Return on assets (ROA) | 0.5072% | 4,768 |
| Pretax return on assets | 0.5824% | 4,964 |
| Return on Equity (ROE) | 2.3764% | 5,581 |
| Retained earnings to average equity (ytd only) | 2.3764% | 4,502 |
| Net charge-offs to loans | 0.4212% | 580 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.7222% | 2,875 |
| Efficiency ratio | 82.8413% | 1,516 |
| Assets per employee ($millions) | 4.9077% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6577% | 5,975 |
| Loan loss allowance to noncurrent loans | 90.8840% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 1.4843% | 1,772 |
| Noncurrent loans to loans | 0.7236% | 3,449 |
| Net loans and leases to total assets | 77.8934% | 947 |
| Net loans and leases to deposits | 99.3205% | 600 |
| Net loans and leases to core deposits | 105.7497% | 955 |
| Total domestic deposits to total assets | 78.4263% | 5,364 |
| Equity capital to assets | 21.4357% | 173 |
| Core capital (leverage) ratio | 21.3888% | 154 |
| Tier 1 risk-based capital ratio | 37.1422% | 302 |
| Total risk-based capital ratio | 38.0425% | 308 |
| Memoranda: | ||
| Average total assets | $63,875,500 | 5,401 |
| Average earning assets | $60,532,000 | 5,343 |
| Average equity | $13,634,000 | 4,133 |
| Average total loans | $51,278,500 | 4,757 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9656% | 3,851 |
| Cost of funding earning assets | 0.7947% | 667 |
| Net interest margin | 3.1709% | 5,013 |
| Noninterest income to average assets | 0.1730% | 5,819 |
| Noninterest expense to average assets | 2.8484% | 3,311 |
| Loan and lease loss provision to assets | 0.0927% | 2,618 |
| Net operating income to assets | 0.1622% | 5,846 |
| Return on assets (ROA) | 0.1622% | 5,896 |
| Pretax return on assets | 0.2765% | 5,744 |
| Return on Equity (ROE) | 0.7762% | 5,992 |
| Retained earnings to average equity (ytd only) | 0.7762% | 5,421 |
| Net charge-offs to loans | 0.0547% | 3,739 |
| Credit loss provision to net charge-offs | 206.8966% | 1,195 |
| Earnings coverage of net charge-offs (x) | 8.2414% | 2,908 |
| Efficiency ratio | 88.5262% | 948 |
| Assets per employee ($millions) | 4.2634% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 5,930 |
| Loan loss allowance to noncurrent loans | 51.2032% | 5,065 |
| Noncurrent assets plus other real estate owned to assets | 1.5918% | 1,698 |
| Noncurrent loans to loans | 1.4239% | 2,066 |
| Net loans and leases to total assets | 81.5452% | 570 |
| Net loans and leases to deposits | 103.6780% | 446 |
| Net loans and leases to core deposits | 110.3356% | 761 |
| Total domestic deposits to total assets | 78.6524% | 5,317 |
| Equity capital to assets | 21.2538% | 181 |
| Core capital (leverage) ratio | 21.2381% | 161 |
| Tier 1 risk-based capital ratio | 33.9703% | 371 |
| Total risk-based capital ratio | 34.9607% | 369 |
| Memoranda: | ||
| Average total assets | $64,738,400 | 5,430 |
| Average earning assets | $62,158,800 | 5,336 |
| Average equity | $13,528,000 | 4,099 |
| Average total loans | $52,982,000 | 4,727 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 4,022 |
| Cost of funding earning assets | 0.7947% | 704 |
| Net interest margin | 3.1426% | 5,136 |
| Noninterest income to average assets | 0.1684% | 5,917 |
| Noninterest expense to average assets | 2.8171% | 3,396 |
| Loan and lease loss provision to assets | 0.1232% | 2,024 |
| Net operating income to assets | 0.1150% | 6,005 |
| Return on assets (ROA) | 0.1150% | 6,035 |
| Pretax return on assets | 0.2484% | 5,869 |
| Return on Equity (ROE) | 0.5525% | 6,092 |
| Retained earnings to average equity (ytd only) | 0.5525% | 5,646 |
| Net charge-offs to loans | 0.0100% | 4,387 |
| Credit loss provision to net charge-offs | 1,500.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 45.2777% | 1,038 |
| Efficiency ratio | 88.3451% | 971 |
| Assets per employee ($millions) | 4.3377% | 3,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7742% | 5,937 |
| Loan loss allowance to noncurrent loans | 48.1700% | 5,209 |
| Noncurrent assets plus other real estate owned to assets | 1.7167% | 1,749 |
| Noncurrent loans to loans | 1.6072% | 2,026 |
| Net loans and leases to total assets | 80.3673% | 677 |
| Net loans and leases to deposits | 101.7058% | 513 |
| Net loans and leases to core deposits | 108.0683% | 846 |
| Total domestic deposits to total assets | 79.0194% | 5,324 |
| Equity capital to assets | 20.8269% | 197 |
| Core capital (leverage) ratio | 20.7992% | 181 |
| Tier 1 risk-based capital ratio | 33.1293% | 411 |
| Total risk-based capital ratio | 34.1600% | 407 |
| Memoranda: | ||
| Average total assets | $64,935,250 | 5,484 |
| Average earning assets | $62,409,750 | 5,391 |
| Average equity | $13,512,000 | 4,127 |
| Average total loans | $53,094,500 | 4,766 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9439% | 3,956 |
| Cost of funding earning assets | 0.8023% | 695 |
| Net interest margin | 3.1417% | 5,118 |
| Noninterest income to average assets | 0.1726% | 5,917 |
| Noninterest expense to average assets | 2.8139% | 3,447 |
| Loan and lease loss provision to assets | 0.1849% | 1,326 |
| Net operating income to assets | 0.0555% | 6,127 |
| Return on assets (ROA) | 0.0555% | 6,152 |
| Pretax return on assets | 0.1911% | 5,961 |
| Return on Equity (ROE) | 0.2667% | 6,180 |
| Retained earnings to average equity (ytd only) | 0.2667% | 5,613 |
| Net charge-offs to loans | 0.0150% | 3,935 |
| Credit loss provision to net charge-offs | 1,500.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,246 |
| Efficiency ratio | 88.2126% | 1,067 |
| Assets per employee ($millions) | 4.3595% | 3,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7718% | 6,044 |
| Loan loss allowance to noncurrent loans | 37.8479% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 2.0614% | 1,538 |
| Noncurrent loans to loans | 2.0393% | 1,650 |
| Net loans and leases to total assets | 80.2119% | 664 |
| Net loans and leases to deposits | 101.2782% | 492 |
| Net loans and leases to core deposits | 107.5474% | 789 |
| Total domestic deposits to total assets | 79.1996% | 5,412 |
| Equity capital to assets | 20.6796% | 192 |
| Core capital (leverage) ratio | 20.6368% | 181 |
| Tier 1 risk-based capital ratio | 32.3691% | 428 |
| Total risk-based capital ratio | 33.3957% | 431 |
| Memoranda: | ||
| Average total assets | $64,892,000 | 5,532 |
| Average earning assets | $62,323,670 | 5,446 |
| Average equity | $13,499,000 | 4,131 |
| Average total loans | $53,226,330 | 4,777 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9617% | 3,846 |
| Cost of funding earning assets | 0.8052% | 731 |
| Net interest margin | 3.1565% | 5,062 |
| Noninterest income to average assets | 0.1547% | 6,045 |
| Noninterest expense to average assets | 2.8217% | 3,485 |
| Loan and lease loss provision to assets | 0.3713% | 458 |
| Net operating income to assets | -0.1361% | 6,308 |
| Return on assets (ROA) | -0.1361% | 6,316 |
| Pretax return on assets | -0.0062% | 6,221 |
| Return on Equity (ROE) | -0.6525% | 6,269 |
| Retained earnings to average equity (ytd only) | -0.6525% | 5,672 |
| Net charge-offs to loans | 0.0300% | 2,983 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | 14.7500% | 1,586 |
| Efficiency ratio | 88.5437% | 1,171 |
| Assets per employee ($millions) | 4.3011% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7710% | 6,159 |
| Loan loss allowance to noncurrent loans | 46.6286% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 1.7748% | 1,982 |
| Noncurrent loans to loans | 1.6534% | 2,349 |
| Net loans and leases to total assets | 81.3953% | 411 |
| Net loans and leases to deposits | 103.0434% | 327 |
| Net loans and leases to core deposits | 109.5162% | 606 |
| Total domestic deposits to total assets | 78.9913% | 5,687 |
| Equity capital to assets | 20.8925% | 178 |
| Core capital (leverage) ratio | 20.8537% | 169 |
| Tier 1 risk-based capital ratio | 32.3943% | 433 |
| Total risk-based capital ratio | 33.4176% | 436 |
| Memoranda: | ||
| Average total assets | $64,641,500 | 5,605 |
| Average earning assets | $62,095,000 | 5,500 |
| Average equity | $13,487,000 | 4,152 |
| Average total loans | $53,409,000 | 4,810 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 2,694 |
| Cost of funding earning assets | 0.8792% | 821 |
| Net interest margin | 3.4894% | 3,949 |
| Noninterest income to average assets | 0.0320% | 6,591 |
| Noninterest expense to average assets | 2.7886% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3490% | 5,336 |
| Return on assets (ROA) | 0.3490% | 5,451 |
| Pretax return on assets | 0.5577% | 5,020 |
| Return on Equity (ROE) | 1.7092% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.7092% | 5,018 |
| Net charge-offs to loans | 0.0053% | 5,361 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 122.0000% | 386 |
| Efficiency ratio | 83.3333% | 1,707 |
| Assets per employee ($millions) | 4.3178% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6531% | 6,415 |
| Loan loss allowance to noncurrent loans | 45.0704% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 1.6227% | 2,286 |
| Noncurrent loans to loans | 1.4491% | 2,717 |
| Net loans and leases to total assets | 82.6733% | 349 |
| Net loans and leases to deposits | 104.5780% | 305 |
| Net loans and leases to core deposits | 111.0984% | 573 |
| Total domestic deposits to total assets | 79.0541% | 5,644 |
| Equity capital to assets | 20.8362% | 172 |
| Core capital (leverage) ratio | 20.8084% | 166 |
| Tier 1 risk-based capital ratio | 33.0700% | 394 |
| Total risk-based capital ratio | 33.9656% | 403 |
| Memoranda: | ||
| Average total assets | $65,624,200 | 5,607 |
| Average earning assets | $62,331,200 | 5,531 |
| Average equity | $13,398,000 | 4,181 |
| Average total loans | $56,115,800 | 4,746 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4732% | 2,333 |
| Cost of funding earning assets | 0.8895% | 860 |
| Net interest margin | 3.5837% | 3,519 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 2.7622% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3909% | 5,280 |
| Return on assets (ROA) | 0.3909% | 5,416 |
| Pretax return on assets | 0.6318% | 4,907 |
| Return on Equity (ROE) | 1.9241% | 5,965 |
| Retained earnings to average equity (ytd only) | 1.9241% | 5,167 |
| Net charge-offs to loans | 0.0047% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 155.8015% | 356 |
| Efficiency ratio | 81.3842% | 1,916 |
| Assets per employee ($millions) | 4.4387% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6428% | 6,510 |
| Loan loss allowance to noncurrent loans | 77.4123% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 3,424 |
| Noncurrent loans to loans | 0.8303% | 4,174 |
| Net loans and leases to total assets | 81.9555% | 373 |
| Net loans and leases to deposits | 102.8577% | 336 |
| Net loans and leases to core deposits | 109.0164% | 618 |
| Total domestic deposits to total assets | 79.6786% | 5,588 |
| Equity capital to assets | 20.1907% | 206 |
| Core capital (leverage) ratio | 20.1907% | 197 |
| Tier 1 risk-based capital ratio | 32.0881% | 439 |
| Total risk-based capital ratio | 32.9355% | 441 |
| Memoranda: | ||
| Average total assets | $65,838,500 | 5,655 |
| Average earning assets | $62,354,750 | 5,583 |
| Average equity | $13,373,750 | 4,236 |
| Average total loans | $56,670,500 | 4,769 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5821% | 1,901 |
| Cost of funding earning assets | 0.8952% | 919 |
| Net interest margin | 3.6870% | 3,003 |
| Noninterest income to average assets | 0.2531% | 5,638 |
| Noninterest expense to average assets | 2.7565% | 3,832 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6068% | 4,246 |
| Return on assets (ROA) | 0.6068% | 4,426 |
| Pretax return on assets | 0.9879% | 3,566 |
| Return on Equity (ROE) | 2.9811% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.9811% | 4,421 |
| Net charge-offs to loans | 0.0105% | 4,667 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 441 |
| Efficiency ratio | 73.6156% | 3,201 |
| Assets per employee ($millions) | 4.3800% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6165% | 6,592 |
| Loan loss allowance to noncurrent loans | 75.6989% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 2.0731% | 2,090 |
| Noncurrent loans to loans | 0.8144% | 4,285 |
| Net loans and leases to total assets | 86.3653% | 136 |
| Net loans and leases to deposits | 108.8701% | 165 |
| Net loans and leases to core deposits | 115.4959% | 404 |
| Total domestic deposits to total assets | 79.3288% | 5,748 |
| Equity capital to assets | 20.4718% | 185 |
| Core capital (leverage) ratio | 20.4718% | 172 |
| Tier 1 risk-based capital ratio | 31.0645% | 472 |
| Total risk-based capital ratio | 31.8821% | 491 |
| Memoranda: | ||
| Average total assets | $65,591,330 | 5,706 |
| Average earning assets | $62,110,670 | 5,623 |
| Average equity | $13,350,670 | 4,268 |
| Average total loans | $57,254,330 | 4,775 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6430% | 1,700 |
| Cost of funding earning assets | 0.9028% | 975 |
| Net interest margin | 3.7402% | 2,699 |
| Noninterest income to average assets | 0.3784% | 4,637 |
| Noninterest expense to average assets | 2.7587% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7080% | 3,653 |
| Return on assets (ROA) | 0.7080% | 3,789 |
| Pretax return on assets | 1.1597% | 2,724 |
| Return on Equity (ROE) | 3.4885% | 5,349 |
| Retained earnings to average equity (ytd only) | 3.4885% | 4,156 |
| Net charge-offs to loans | 0.0140% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 401 |
| Efficiency ratio | 70.4050% | 3,907 |
| Assets per employee ($millions) | 4.3933% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6147% | 6,687 |
| Loan loss allowance to noncurrent loans | 108.9506% | 3,120 |
| Noncurrent assets plus other real estate owned to assets | 1.9651% | 2,387 |
| Noncurrent loans to loans | 0.5642% | 5,029 |
| Net loans and leases to total assets | 86.6098% | 108 |
| Net loans and leases to deposits | 108.9966% | 141 |
| Net loans and leases to core deposits | 115.5786% | 360 |
| Total domestic deposits to total assets | 79.4610% | 5,883 |
| Equity capital to assets | 20.2750% | 207 |
| Core capital (leverage) ratio | 20.2704% | 180 |
| Tier 1 risk-based capital ratio | 31.4077% | 472 |
| Total risk-based capital ratio | 32.2377% | 481 |
| Memoranda: | ||
| Average total assets | $65,537,000 | 5,754 |
| Average earning assets | $62,029,500 | 5,677 |
| Average equity | $13,301,000 | 4,331 |
| Average total loans | $57,334,500 | 4,802 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 2,665 |
| Cost of funding earning assets | 1.0422% | 1,156 |
| Net interest margin | 3.6413% | 3,915 |
| Noninterest income to average assets | 0.2376% | 5,744 |
| Noninterest expense to average assets | 2.7526% | 4,206 |
| Loan and lease loss provision to assets | 0.4343% | 1,467 |
| Net operating income to assets | 0.3087% | 5,439 |
| Return on assets (ROA) | 0.3087% | 5,645 |
| Pretax return on assets | 0.4873% | 5,317 |
| Return on Equity (ROE) | 1.5557% | 6,006 |
| Retained earnings to average equity (ytd only) | 1.5557% | 5,090 |
| Net charge-offs to loans | 0.5249% | 2,153 |
| Credit loss provision to net charge-offs | 97.6190% | 3,178 |
| Earnings coverage of net charge-offs (x) | 2.0714% | 4,377 |
| Efficiency ratio | 74.9176% | 2,918 |
| Assets per employee ($millions) | 4.0734% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 6,732 |
| Loan loss allowance to noncurrent loans | 66.6041% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 2.6314% | 1,847 |
| Noncurrent loans to loans | 0.9312% | 4,331 |
| Net loans and leases to total assets | 87.2819% | 101 |
| Net loans and leases to deposits | 109.7253% | 161 |
| Net loans and leases to core deposits | 116.4051% | 347 |
| Total domestic deposits to total assets | 79.5458% | 5,774 |
| Equity capital to assets | 20.3161% | 214 |
| Core capital (leverage) ratio | 20.3053% | 181 |
| Tier 1 risk-based capital ratio | 30.9068% | 476 |
| Total risk-based capital ratio | 31.7359% | 487 |
| Memoranda: | ||
| Average total assets | $66,082,200 | 5,735 |
| Average earning assets | $62,367,400 | 5,653 |
| Average equity | $13,112,800 | 4,331 |
| Average total loans | $56,014,000 | 4,864 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 2,849 |
| Cost of funding earning assets | 1.0484% | 1,290 |
| Net interest margin | 3.6397% | 4,059 |
| Noninterest income to average assets | 0.2534% | 5,755 |
| Noninterest expense to average assets | 2.7225% | 4,282 |
| Loan and lease loss provision to assets | 0.5771% | 993 |
| Net operating income to assets | 0.2332% | 5,833 |
| Return on assets (ROA) | 0.2332% | 6,014 |
| Pretax return on assets | 0.3881% | 5,745 |
| Return on Equity (ROE) | 1.1823% | 6,221 |
| Retained earnings to average equity (ytd only) | 1.1823% | 5,704 |
| Net charge-offs to loans | 0.6606% | 1,660 |
| Credit loss provision to net charge-offs | 103.9855% | 2,835 |
| Earnings coverage of net charge-offs (x) | 1.7391% | 4,403 |
| Efficiency ratio | 73.8277% | 3,017 |
| Assets per employee ($millions) | 4.2614% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6691% | 6,782 |
| Loan loss allowance to noncurrent loans | 68.4404% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 2.4743% | 2,138 |
| Noncurrent loans to loans | 0.9776% | 4,484 |
| Net loans and leases to total assets | 81.2179% | 411 |
| Net loans and leases to deposits | 100.8376% | 405 |
| Net loans and leases to core deposits | 114.0644% | 429 |
| Total domestic deposits to total assets | 80.5433% | 5,499 |
| Equity capital to assets | 19.2910% | 277 |
| Core capital (leverage) ratio | 19.2807% | 236 |
| Tier 1 risk-based capital ratio | 30.5040% | 505 |
| Total risk-based capital ratio | 31.3695% | 515 |
| Memoranda: | ||
| Average total assets | $66,309,000 | 5,803 |
| Average earning assets | $62,567,000 | 5,715 |
| Average equity | $13,080,750 | 4,380 |
| Average total loans | $55,707,250 | 4,928 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7545% | 2,702 |
| Cost of funding earning assets | 1.0433% | 1,505 |
| Net interest margin | 3.7112% | 3,762 |
| Noninterest income to average assets | 0.2893% | 5,494 |
| Noninterest expense to average assets | 2.7282% | 4,297 |
| Loan and lease loss provision to assets | 0.7521% | 695 |
| Net operating income to assets | 0.2101% | 5,886 |
| Return on assets (ROA) | 0.2101% | 6,072 |
| Pretax return on assets | 0.3075% | 5,952 |
| Return on Equity (ROE) | 1.0569% | 6,293 |
| Retained earnings to average equity (ytd only) | 1.0569% | 5,653 |
| Net charge-offs to loans | 0.9301% | 1,188 |
| Credit loss provision to net charge-offs | 95.3668% | 2,891 |
| Earnings coverage of net charge-offs (x) | 1.3436% | 4,332 |
| Efficiency ratio | 72.0257% | 3,430 |
| Assets per employee ($millions) | 4.5144% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6174% | 6,914 |
| Loan loss allowance to noncurrent loans | 57.8512% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 2.5769% | 2,161 |
| Noncurrent loans to loans | 1.0672% | 4,383 |
| Net loans and leases to total assets | 83.2034% | 254 |
| Net loans and leases to deposits | 103.3438% | 295 |
| Net loans and leases to core deposits | 117.0038% | 371 |
| Total domestic deposits to total assets | 80.5113% | 5,611 |
| Equity capital to assets | 19.3529% | 259 |
| Core capital (leverage) ratio | 19.3425% | 229 |
| Tier 1 risk-based capital ratio | 29.7736% | 528 |
| Total risk-based capital ratio | 30.5692% | 540 |
| Memoranda: | ||
| Average total assets | $65,684,670 | 5,856 |
| Average earning assets | $61,920,000 | 5,773 |
| Average equity | $13,056,670 | 4,381 |
| Average total loans | $55,693,330 | 4,964 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 2,289 |
| Cost of funding earning assets | 1.0449% | 1,713 |
| Net interest margin | 3.8444% | 3,160 |
| Noninterest income to average assets | 0.1484% | 6,495 |
| Noninterest expense to average assets | 2.7896% | 4,076 |
| Loan and lease loss provision to assets | 1.2804% | 286 |
| Net operating income to assets | -0.0619% | 6,492 |
| Return on assets (ROA) | -0.0619% | 6,587 |
| Pretax return on assets | -0.3031% | 6,733 |
| Return on Equity (ROE) | -0.3069% | 6,560 |
| Retained earnings to average equity (ytd only) | -0.3069% | 6,044 |
| Net charge-offs to loans | 1.8698% | 512 |
| Credit loss provision to net charge-offs | 80.2326% | 2,722 |
| Earnings coverage of net charge-offs (x) | 0.6124% | 4,029 |
| Efficiency ratio | 74.0558% | 3,093 |
| Assets per employee ($millions) | 4.3257% | 3,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5586% | 7,021 |
| Loan loss allowance to noncurrent loans | 51.2356% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 2.8003% | 2,091 |
| Noncurrent loans to loans | 1.0902% | 4,510 |
| Net loans and leases to total assets | 85.3266% | 140 |
| Net loans and leases to deposits | 106.8926% | 189 |
| Net loans and leases to core deposits | 117.2267% | 354 |
| Total domestic deposits to total assets | 79.8246% | 5,891 |
| Equity capital to assets | 20.0783% | 220 |
| Core capital (leverage) ratio | 20.0690% | 200 |
| Tier 1 risk-based capital ratio | 30.2521% | 509 |
| Total risk-based capital ratio | 30.9746% | 523 |
| Memoranda: | ||
| Average total assets | $64,669,000 | 5,934 |
| Average earning assets | $60,867,000 | 5,844 |
| Average equity | $13,032,500 | 4,402 |
| Average total loans | $55,194,000 | 5,011 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1391% | 2,294 |
| Cost of funding earning assets | 1.2932% | 1,513 |
| Net interest margin | 3.8459% | 3,591 |
| Noninterest income to average assets | 0.1095% | 6,600 |
| Noninterest expense to average assets | 2.8163% | 4,282 |
| Loan and lease loss provision to assets | 0.4921% | 2,145 |
| Net operating income to assets | 0.3000% | 5,250 |
| Return on assets (ROA) | 0.3000% | 5,405 |
| Pretax return on assets | 0.4318% | 5,196 |
| Return on Equity (ROE) | 1.4579% | 5,852 |
| Retained earnings to average equity (ytd only) | 1.4579% | 5,169 |
| Net charge-offs to loans | 0.6347% | 2,554 |
| Credit loss provision to net charge-offs | 88.8252% | 4,066 |
| Earnings coverage of net charge-offs (x) | 1.6676% | 4,519 |
| Efficiency ratio | 75.2971% | 3,010 |
| Assets per employee ($millions) | 4.0283% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4240% | 7,152 |
| Loan loss allowance to noncurrent loans | 128.8889% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 2.4499% | 2,486 |
| Noncurrent loans to loans | 0.3290% | 6,072 |
| Net loans and leases to total assets | 84.5280% | 189 |
| Net loans and leases to deposits | 106.1078% | 245 |
| Net loans and leases to core deposits | 117.0883% | 418 |
| Total domestic deposits to total assets | 79.6624% | 5,826 |
| Equity capital to assets | 20.2275% | 224 |
| Core capital (leverage) ratio | 20.2361% | 193 |
| Tier 1 risk-based capital ratio | 34.1171% | 362 |
| Total risk-based capital ratio | 34.7239% | 370 |
| Memoranda: | ||
| Average total assets | $62,991,400 | 5,956 |
| Average earning assets | $59,465,600 | 5,879 |
| Average equity | $12,963,800 | 4,346 |
| Average total loans | $54,983,800 | 5,077 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1431% | 2,412 |
| Cost of funding earning assets | 1.3381% | 1,509 |
| Net interest margin | 3.8049% | 3,854 |
| Noninterest income to average assets | 0.1618% | 6,440 |
| Noninterest expense to average assets | 2.8337% | 4,220 |
| Loan and lease loss provision to assets | 0.1916% | 4,110 |
| Net operating income to assets | 0.4513% | 4,770 |
| Return on assets (ROA) | 0.4513% | 4,961 |
| Pretax return on assets | 0.7324% | 4,372 |
| Return on Equity (ROE) | 2.1835% | 5,711 |
| Retained earnings to average equity (ytd only) | 2.1835% | 5,031 |
| Net charge-offs to loans | 0.3052% | 3,564 |
| Credit loss provision to net charge-offs | 71.4286% | 4,431 |
| Earnings coverage of net charge-offs (x) | 3.4443% | 3,434 |
| Efficiency ratio | 75.4108% | 2,936 |
| Assets per employee ($millions) | 3.9335% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4184% | 7,216 |
| Loan loss allowance to noncurrent loans | 25.6270% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 2.9999% | 2,140 |
| Noncurrent loans to loans | 1.6326% | 3,848 |
| Net loans and leases to total assets | 88.8728% | 54 |
| Net loans and leases to deposits | 113.0645% | 146 |
| Net loans and leases to core deposits | 116.3864% | 483 |
| Total domestic deposits to total assets | 78.6037% | 6,072 |
| Equity capital to assets | 20.7512% | 217 |
| Core capital (leverage) ratio | 20.7601% | 187 |
| Tier 1 risk-based capital ratio | 34.0695% | 382 |
| Total risk-based capital ratio | 34.6822% | 396 |
| Memoranda: | ||
| Average total assets | $62,626,250 | 6,016 |
| Average earning assets | $59,185,000 | 5,935 |
| Average equity | $12,945,500 | 4,360 |
| Average total loans | $55,051,750 | 5,113 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 2,410 |
| Cost of funding earning assets | 1.3659% | 1,569 |
| Net interest margin | 3.7961% | 3,798 |
| Noninterest income to average assets | 0.1791% | 6,376 |
| Noninterest expense to average assets | 2.8502% | 4,231 |
| Loan and lease loss provision to assets | 0.1919% | 4,006 |
| Net operating income to assets | 0.3647% | 5,108 |
| Return on assets (ROA) | 0.3647% | 5,245 |
| Pretax return on assets | 0.7197% | 4,317 |
| Return on Equity (ROE) | 1.7664% | 5,875 |
| Retained earnings to average equity (ytd only) | 1.7664% | 5,114 |
| Net charge-offs to loans | 0.4609% | 2,738 |
| Credit loss provision to net charge-offs | 47.6190% | 4,645 |
| Earnings coverage of net charge-offs (x) | 2.2619% | 3,700 |
| Efficiency ratio | 75.7653% | 3,056 |
| Assets per employee ($millions) | 3.9514% | 3,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3195% | 7,337 |
| Loan loss allowance to noncurrent loans | 87.2549% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.8411% | 3,450 |
| Noncurrent loans to loans | 0.3661% | 6,172 |
| Net loans and leases to total assets | 87.8462% | 83 |
| Net loans and leases to deposits | 110.9161% | 164 |
| Net loans and leases to core deposits | 114.1861% | 570 |
| Total domestic deposits to total assets | 79.2006% | 6,034 |
| Equity capital to assets | 20.5052% | 237 |
| Core capital (leverage) ratio | 20.5127% | 202 |
| Tier 1 risk-based capital ratio | 34.7833% | 355 |
| Total risk-based capital ratio | 35.2607% | 374 |
| Memoranda: | ||
| Average total assets | $62,523,000 | 6,069 |
| Average earning assets | $59,007,330 | 5,986 |
| Average equity | $12,907,330 | 4,363 |
| Average total loans | $54,679,670 | 5,183 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 2,355 |
| Cost of funding earning assets | 1.3864% | 1,685 |
| Net interest margin | 3.7834% | 3,688 |
| Noninterest income to average assets | 0.2766% | 5,694 |
| Noninterest expense to average assets | 2.8951% | 4,077 |
| Loan and lease loss provision to assets | 0.1930% | 3,697 |
| Net operating income to assets | 0.3796% | 5,031 |
| Return on assets (ROA) | 0.3796% | 5,113 |
| Pretax return on assets | 0.7527% | 4,089 |
| Return on Equity (ROE) | 1.8324% | 5,849 |
| Retained earnings to average equity (ytd only) | 1.8324% | 5,015 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3769% | 3,270 |
| Assets per employee ($millions) | 3.9443% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5023% | 7,276 |
| Loan loss allowance to noncurrent loans | 32.6190% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 1.8571% | 3,487 |
| Noncurrent loans to loans | 1.5398% | 4,159 |
| Net loans and leases to total assets | 86.0052% | 126 |
| Net loans and leases to deposits | 108.4694% | 203 |
| Net loans and leases to core deposits | 111.6627% | 667 |
| Total domestic deposits to total assets | 79.2898% | 6,121 |
| Equity capital to assets | 20.4551% | 234 |
| Core capital (leverage) ratio | 20.4626% | 206 |
| Tier 1 risk-based capital ratio | 35.4117% | 338 |
| Total risk-based capital ratio | 36.1630% | 344 |
| Memoranda: | ||
| Average total assets | $62,173,000 | 6,116 |
| Average earning assets | $58,571,000 | 6,046 |
| Average equity | $12,879,000 | 4,369 |
| Average total loans | $54,161,000 | 5,246 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 3,421 |
| Cost of funding earning assets | 1.6954% | 1,624 |
| Net interest margin | 3.5424% | 5,067 |
| Noninterest income to average assets | 0.1314% | 6,737 |
| Noninterest expense to average assets | 2.7376% | 4,823 |
| Loan and lease loss provision to assets | 0.0649% | 6,495 |
| Net operating income to assets | 0.3861% | 4,609 |
| Return on assets (ROA) | 0.4152% | 4,611 |
| Pretax return on assets | 0.7087% | 3,947 |
| Return on Equity (ROE) | 2.0077% | 5,375 |
| Retained earnings to average equity (ytd only) | 2.0077% | 4,462 |
| Net charge-offs to loans | 0.0713% | 6,087 |
| Credit loss provision to net charge-offs | 108.1081% | 4,092 |
| Earnings coverage of net charge-offs (x) | 12.1351% | 1,538 |
| Efficiency ratio | 78.9892% | 2,539 |
| Assets per employee ($millions) | 3.8273% | 4,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4538% | 7,391 |
| Loan loss allowance to noncurrent loans | 26.2931% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 2.0576% | 3,276 |
| Noncurrent loans to loans | 1.7258% | 3,912 |
| Net loans and leases to total assets | 87.4096% | 116 |
| Net loans and leases to deposits | 110.9161% | 219 |
| Net loans and leases to core deposits | 116.5277% | 624 |
| Total domestic deposits to total assets | 78.8069% | 6,133 |
| Equity capital to assets | 20.9824% | 206 |
| Core capital (leverage) ratio | 20.9902% | 200 |
| Tier 1 risk-based capital ratio | 36.2726% | 315 |
| Total risk-based capital ratio | 36.9611% | 322 |
| Memoranda: | ||
| Average total assets | $61,660,800 | 6,142 |
| Average earning assets | $58,039,800 | 6,063 |
| Average equity | $12,751,200 | 4,410 |
| Average total loans | $51,909,200 | 5,407 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2869% | 3,415 |
| Cost of funding earning assets | 1.7416% | 1,665 |
| Net interest margin | 3.5453% | 5,122 |
| Noninterest income to average assets | 0.1338% | 6,886 |
| Noninterest expense to average assets | 2.7004% | 4,876 |
| Loan and lease loss provision to assets | 0.0324% | 6,748 |
| Net operating income to assets | 0.4362% | 4,600 |
| Return on assets (ROA) | 0.4749% | 4,615 |
| Pretax return on assets | 0.7922% | 3,941 |
| Return on Equity (ROE) | 2.3048% | 5,491 |
| Retained earnings to average equity (ytd only) | 2.3048% | 4,783 |
| Net charge-offs to loans | 0.0907% | 5,615 |
| Credit loss provision to net charge-offs | 42.8571% | 5,981 |
| Earnings coverage of net charge-offs (x) | 10.1133% | 1,919 |
| Efficiency ratio | 77.9439% | 2,631 |
| Assets per employee ($millions) | 3.8801% | 4,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4260% | 7,511 |
| Loan loss allowance to noncurrent loans | 115.1042% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7007% | 5,712 |
| Noncurrent loans to loans | 0.3701% | 6,451 |
| Net loans and leases to total assets | 83.2093% | 391 |
| Net loans and leases to deposits | 105.1177% | 396 |
| Net loans and leases to core deposits | 110.3120% | 1,019 |
| Total domestic deposits to total assets | 79.1582% | 5,982 |
| Equity capital to assets | 20.6388% | 250 |
| Core capital (leverage) ratio | 20.6312% | 223 |
| Tier 1 risk-based capital ratio | 36.8950% | 309 |
| Total risk-based capital ratio | 37.5317% | 314 |
| Memoranda: | ||
| Average total assets | $61,766,750 | 6,203 |
| Average earning assets | $58,028,250 | 6,126 |
| Average equity | $12,726,750 | 4,492 |
| Average total loans | $51,443,750 | 5,507 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3213% | 3,365 |
| Cost of funding earning assets | 1.7749% | 1,743 |
| Net interest margin | 3.5464% | 5,064 |
| Noninterest income to average assets | 0.1395% | 6,885 |
| Noninterest expense to average assets | 2.6402% | 5,164 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5113% | 4,270 |
| Return on assets (ROA) | 0.5092% | 4,430 |
| Pretax return on assets | 0.8336% | 3,764 |
| Return on Equity (ROE) | 2.4728% | 5,476 |
| Retained earnings to average equity (ytd only) | 2.4728% | 4,577 |
| Net charge-offs to loans | 0.1443% | 4,786 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 6.9730% | 2,377 |
| Efficiency ratio | 75.9328% | 3,087 |
| Assets per employee ($millions) | 4.1724% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4004% | 7,597 |
| Loan loss allowance to noncurrent loans | 107.9365% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.6903% | 5,769 |
| Noncurrent loans to loans | 0.3710% | 6,498 |
| Net loans and leases to total assets | 81.0772% | 659 |
| Net loans and leases to deposits | 102.1109% | 588 |
| Net loans and leases to core deposits | 106.5157% | 1,401 |
| Total domestic deposits to total assets | 79.4011% | 5,919 |
| Equity capital to assets | 20.4119% | 268 |
| Core capital (leverage) ratio | 20.3877% | 224 |
| Tier 1 risk-based capital ratio | 37.1711% | 299 |
| Total risk-based capital ratio | 37.7655% | 307 |
| Memoranda: | ||
| Average total assets | $61,661,670 | 6,247 |
| Average earning assets | $58,031,330 | 6,168 |
| Average equity | $12,698,000 | 4,500 |
| Average total loans | $51,298,670 | 5,553 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4003% | 3,034 |
| Cost of funding earning assets | 1.7863% | 1,933 |
| Net interest margin | 3.6141% | 4,663 |
| Noninterest income to average assets | 0.1242% | 7,062 |
| Noninterest expense to average assets | 2.6667% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5271% | 4,251 |
| Return on assets (ROA) | 0.5229% | 4,411 |
| Pretax return on assets | 0.8628% | 3,619 |
| Return on Equity (ROE) | 2.5277% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.5277% | 4,616 |
| Net charge-offs to loans | 0.2720% | 3,324 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.8000% | 2,777 |
| Efficiency ratio | 75.4159% | 3,325 |
| Assets per employee ($millions) | 4.1580% | 3,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4026% | 7,687 |
| Loan loss allowance to noncurrent loans | 59.5376% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9444% | 5,255 |
| Noncurrent loans to loans | 0.6762% | 5,979 |
| Net loans and leases to total assets | 81.7043% | 628 |
| Net loans and leases to deposits | 102.8208% | 603 |
| Net loans and leases to core deposits | 107.2437% | 1,476 |
| Total domestic deposits to total assets | 79.4629% | 5,967 |
| Equity capital to assets | 20.3608% | 267 |
| Core capital (leverage) ratio | 20.3352% | 235 |
| Tier 1 risk-based capital ratio | 36.8212% | 313 |
| Total risk-based capital ratio | 37.4252% | 319 |
| Memoranda: | ||
| Average total assets | $61,199,500 | 6,337 |
| Average earning assets | $57,774,500 | 6,254 |
| Average equity | $12,659,500 | 4,550 |
| Average total loans | $51,474,500 | 5,610 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6578% | 3,306 |
| Cost of funding earning assets | 2.1574% | 2,203 |
| Net interest margin | 3.5004% | 4,955 |
| Noninterest income to average assets | 0.1436% | 7,022 |
| Noninterest expense to average assets | 2.9835% | 4,216 |
| Loan and lease loss provision to assets | -0.0551% | 7,976 |
| Net operating income to assets | 0.3406% | 4,374 |
| Return on assets (ROA) | 0.3406% | 4,460 |
| Pretax return on assets | 0.5092% | 4,159 |
| Return on Equity (ROE) | 1.6290% | 5,045 |
| Retained earnings to average equity (ytd only) | 1.6290% | 3,942 |
| Net charge-offs to loans | 0.0100% | 7,091 |
| Credit loss provision to net charge-offs | -660.0000% | 7,434 |
| Earnings coverage of net charge-offs (x) | 54.4000% | 485 |
| Efficiency ratio | 86.7897% | 2,023 |
| Assets per employee ($millions) | 4.0019% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5175% | 7,654 |
| Loan loss allowance to noncurrent loans | 90.8475% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 6,221 |
| Noncurrent loans to loans | 0.5697% | 6,101 |
| Net loans and leases to total assets | 85.8185% | 292 |
| Net loans and leases to deposits | 108.8420% | 425 |
| Net loans and leases to core deposits | 142.8540% | 717 |
| Total domestic deposits to total assets | 78.8469% | 6,026 |
| Equity capital to assets | 21.0232% | 249 |
| Core capital (leverage) ratio | 20.9955% | 239 |
| Tier 1 risk-based capital ratio | 36.6229% | 315 |
| Total risk-based capital ratio | 37.4106% | 316 |
| Memoranda: | ||
| Average total assets | $59,895,200 | 6,352 |
| Average earning assets | $56,364,600 | 6,275 |
| Average equity | $12,523,400 | 4,625 |
| Average total loans | $50,006,000 | 5,668 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7140% | 3,274 |
| Cost of funding earning assets | 2.2419% | 2,221 |
| Net interest margin | 3.4721% | 4,983 |
| Noninterest income to average assets | 0.1514% | 7,101 |
| Noninterest expense to average assets | 3.0314% | 3,925 |
| Loan and lease loss provision to assets | -0.1114% | 8,071 |
| Net operating income to assets | 0.3541% | 4,577 |
| Return on assets (ROA) | 0.3541% | 4,673 |
| Pretax return on assets | 0.4878% | 4,552 |
| Return on Equity (ROE) | 1.6960% | 5,265 |
| Retained earnings to average equity (ytd only) | 1.6960% | 4,362 |
| Net charge-offs to loans | 0.0135% | 6,728 |
| Credit loss provision to net charge-offs | -1,000.0000% | 7,321 |
| Earnings coverage of net charge-offs (x) | 33.7826% | 853 |
| Efficiency ratio | 88.9542% | 1,781 |
| Assets per employee ($millions) | 3.9587% | 3,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4913% | 7,724 |
| Loan loss allowance to noncurrent loans | 32.0158% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 4,290 |
| Noncurrent loans to loans | 1.5346% | 4,343 |
| Net loans and leases to total assets | 82.8800% | 685 |
| Net loans and leases to deposits | 105.3561% | 688 |
| Net loans and leases to core deposits | 135.6346% | 1,117 |
| Total domestic deposits to total assets | 78.6666% | 5,909 |
| Equity capital to assets | 21.1886% | 274 |
| Core capital (leverage) ratio | 21.1727% | 255 |
| Tier 1 risk-based capital ratio | 37.7670% | 316 |
| Total risk-based capital ratio | 38.5152% | 321 |
| Memoranda: | ||
| Average total assets | $59,861,750 | 6,394 |
| Average earning assets | $56,141,750 | 6,327 |
| Average equity | $12,499,250 | 4,659 |
| Average total loans | $49,561,500 | 5,742 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7982% | 3,051 |
| Cost of funding earning assets | 2.2675% | 2,499 |
| Net interest margin | 3.5307% | 4,657 |
| Noninterest income to average assets | 0.1566% | 7,152 |
| Noninterest expense to average assets | 2.7490% | 5,182 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4098% | 4,472 |
| Return on assets (ROA) | 0.4098% | 4,580 |
| Pretax return on assets | 0.7231% | 3,924 |
| Return on Equity (ROE) | 1.9725% | 5,310 |
| Retained earnings to average equity (ytd only) | 1.9725% | 4,244 |
| Net charge-offs to loans | 0.0202% | 6,234 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 43.4000% | 764 |
| Efficiency ratio | 79.1747% | 3,165 |
| Assets per employee ($millions) | 4.0979% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6439% | 7,554 |
| Loan loss allowance to noncurrent loans | 77.8325% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 5,762 |
| Noncurrent loans to loans | 0.8273% | 5,572 |
| Net loans and leases to total assets | 79.3275% | 1,452 |
| Net loans and leases to deposits | 111.3290% | 508 |
| Net loans and leases to core deposits | 137.3162% | 1,141 |
| Total domestic deposits to total assets | 71.2550% | 7,333 |
| Equity capital to assets | 20.3797% | 355 |
| Core capital (leverage) ratio | 20.3642% | 342 |
| Tier 1 risk-based capital ratio | 37.5781% | 360 |
| Total risk-based capital ratio | 38.5269% | 354 |
| Memoranda: | ||
| Average total assets | $60,022,000 | 6,443 |
| Average earning assets | $56,362,330 | 6,370 |
| Average equity | $12,471,670 | 4,688 |
| Average total loans | $49,596,000 | 5,785 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9536% | 2,547 |
| Cost of funding earning assets | 2.3037% | 2,683 |
| Net interest margin | 3.6499% | 4,102 |
| Noninterest income to average assets | 0.1214% | 7,415 |
| Noninterest expense to average assets | 2.7184% | 4,918 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4992% | 4,422 |
| Return on assets (ROA) | 0.4992% | 4,612 |
| Pretax return on assets | 0.8229% | 3,995 |
| Return on Equity (ROE) | 2.3787% | 5,632 |
| Retained earnings to average equity (ytd only) | 2.3787% | 4,552 |
| Net charge-offs to loans | 0.0481% | 4,810 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 20.3333% | 1,379 |
| Efficiency ratio | 76.7619% | 3,361 |
| Assets per employee ($millions) | 3.9843% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6254% | 7,617 |
| Loan loss allowance to noncurrent loans | 60.3113% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 0.9470% | 4,827 |
| Noncurrent loans to loans | 1.0369% | 4,917 |
| Net loans and leases to total assets | 82.4245% | 941 |
| Net loans and leases to deposits | 116.8291% | 364 |
| Net loans and leases to core deposits | 141.7868% | 1,021 |
| Total domestic deposits to total assets | 70.5513% | 7,378 |
| Equity capital to assets | 20.8885% | 369 |
| Core capital (leverage) ratio | 20.8718% | 360 |
| Tier 1 risk-based capital ratio | 37.5901% | 368 |
| Total risk-based capital ratio | 38.5246% | 369 |
| Memoranda: | ||
| Average total assets | $59,299,000 | 6,495 |
| Average earning assets | $55,563,000 | 6,432 |
| Average equity | $12,444,000 | 4,720 |
| Average total loans | $49,855,500 | 5,799 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9571% | 5,772 |
| Cost of funding earning assets | 2.6308% | 3,527 |
| Net interest margin | 3.3263% | 5,943 |
| Noninterest income to average assets | 0.1193% | 7,526 |
| Noninterest expense to average assets | 2.5947% | 5,674 |
| Loan and lease loss provision to assets | 0.0994% | 6,106 |
| Net operating income to assets | 0.3493% | 5,355 |
| Return on assets (ROA) | 0.3546% | 5,138 |
| Pretax return on assets | 0.5716% | 4,777 |
| Return on Equity (ROE) | 1.7216% | 5,701 |
| Retained earnings to average equity (ytd only) | 1.7216% | 4,183 |
| Net charge-offs to loans | 0.0062% | 6,876 |
| Credit loss provision to net charge-offs | 2,000.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 133.3333% | 336 |
| Efficiency ratio | 79.6541% | 2,646 |
| Assets per employee ($millions) | 3.9222% | 3,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 7,575 |
| Loan loss allowance to noncurrent loans | 61.2595% | 4,938 |
| Noncurrent assets plus other real estate owned to assets | 0.8907% | 4,630 |
| Noncurrent loans to loans | 1.0451% | 4,488 |
| Net loans and leases to total assets | 84.6787% | 787 |
| Net loans and leases to deposits | 120.5425% | 376 |
| Net loans and leases to core deposits | 146.0882% | 1,015 |
| Total domestic deposits to total assets | 70.2480% | 7,251 |
| Equity capital to assets | 21.0834% | 394 |
| Core capital (leverage) ratio | 21.0731% | 370 |
| Tier 1 risk-based capital ratio | 37.2289% | 391 |
| Total risk-based capital ratio | 38.1931% | 388 |
| Memoranda: | ||
| Average total assets | $60,354,200 | 6,373 |
| Average earning assets | $56,940,600 | 6,306 |
| Average equity | $12,430,000 | 4,717 |
| Average total loans | $48,258,400 | 5,768 |