Home > Charter Bank > Performance and Condition Ratios
Charter Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0868% | 1,315 |
| Cost of funding earning assets | 1.3083% | 764 |
| Net interest margin | 3.7784% | 2,661 |
| Noninterest income to average assets | -1.0197% | 5,249 |
| Noninterest expense to average assets | 5.2068% | 186 |
| Loan and lease loss provision to assets | 0.7901% | 131 |
| Net operating income to assets | -2.7892% | 5,224 |
| Return on assets (ROA) | -2.7810% | 5,224 |
| Pretax return on assets | -3.5885% | 5,231 |
| Return on Equity (ROE) | -31.3580% | 5,242 |
| Retained earnings to average equity (ytd only) | -31.3580% | 5,230 |
| Net charge-offs to loans | 2.4852% | 43 |
| Credit loss provision to net charge-offs | 45.9446% | 2,818 |
| Earnings coverage of net charge-offs (x) | -1.6333% | 3,397 |
| Efficiency ratio | 217.1243% | 19 |
| Assets per employee ($millions) | 3.9116% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,449 |
| Noncurrent loans to loans | 0.0538% | 4,400 |
| Net loans and leases to total assets | 70.0536% | 2,463 |
| Net loans and leases to deposits | 82.6097% | 2,604 |
| Net loans and leases to core deposits | 105.2436% | 1,241 |
| Total domestic deposits to total assets | 84.8008% | 2,498 |
| Equity capital to assets | 7.6588% | 5,176 |
| Core capital (leverage) ratio | 6.8823% | 5,224 |
| Tier 1 risk-based capital ratio | 9.6218% | 5,224 |
| Total risk-based capital ratio | 9.6218% | 5,243 |
| Memoranda: | ||
| Average total assets | $153,896,250 | 3,285 |
| Average earning assets | $139,207,750 | 3,322 |
| Average equity | $13,648,500 | 3,836 |
| Average total loans | $106,494,250 | 3,173 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 1,424 |
| Cost of funding earning assets | 1.2326% | 909 |
| Net interest margin | 3.7875% | 2,619 |
| Noninterest income to average assets | 0.2596% | 4,200 |
| Noninterest expense to average assets | 3.2997% | 1,285 |
| Loan and lease loss provision to assets | 0.0064% | 3,602 |
| Net operating income to assets | 0.2538% | 4,933 |
| Return on assets (ROA) | 0.2660% | 4,932 |
| Pretax return on assets | 0.3881% | 4,843 |
| Return on Equity (ROE) | 2.8743% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.8743% | 3,780 |
| Net charge-offs to loans | 0.1342% | 1,123 |
| Credit loss provision to net charge-offs | 6.9444% | 2,703 |
| Earnings coverage of net charge-offs (x) | 4.0972% | 2,768 |
| Efficiency ratio | 89.6961% | 362 |
| Assets per employee ($millions) | 4.1770% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9580% | 3,842 |
| Loan loss allowance to noncurrent loans | 43.8865% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.2724% | 356 |
| Noncurrent loans to loans | 2.1829% | 621 |
| Net loans and leases to total assets | 67.2279% | 2,935 |
| Net loans and leases to deposits | 81.0819% | 2,837 |
| Net loans and leases to core deposits | 97.9422% | 1,892 |
| Total domestic deposits to total assets | 82.9135% | 3,233 |
| Equity capital to assets | 9.5646% | 4,344 |
| Core capital (leverage) ratio | 9.3817% | 4,272 |
| Tier 1 risk-based capital ratio | 13.3315% | 3,676 |
| Total risk-based capital ratio | 14.2635% | 3,735 |
| Memoranda: | ||
| Average total assets | $155,648,670 | 3,289 |
| Average earning assets | $140,516,000 | 3,321 |
| Average equity | $14,403,330 | 3,735 |
| Average total loans | $107,283,330 | 3,178 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 1,693 |
| Cost of funding earning assets | 1.1738% | 980 |
| Net interest margin | 3.6951% | 2,913 |
| Noninterest income to average assets | 0.2586% | 4,159 |
| Noninterest expense to average assets | 3.2343% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.2586% | 4,949 |
| Return on assets (ROA) | 0.2586% | 4,956 |
| Pretax return on assets | 0.3457% | 4,908 |
| Return on Equity (ROE) | 2.8423% | 4,820 |
| Retained earnings to average equity (ytd only) | 2.8423% | 3,800 |
| Net charge-offs to loans | 0.1401% | 907 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 3.5526% | 2,390 |
| Efficiency ratio | 90.3433% | 380 |
| Assets per employee ($millions) | 4.3389% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 3,984 |
| Loan loss allowance to noncurrent loans | 40.9091% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 2.7601% | 244 |
| Noncurrent loans to loans | 2.3072% | 590 |
| Net loans and leases to total assets | 67.6604% | 2,810 |
| Net loans and leases to deposits | 81.0297% | 2,724 |
| Net loans and leases to core deposits | 95.4575% | 1,975 |
| Total domestic deposits to total assets | 83.5007% | 3,217 |
| Equity capital to assets | 8.9299% | 4,733 |
| Core capital (leverage) ratio | 9.4151% | 4,241 |
| Tier 1 risk-based capital ratio | 12.7091% | 4,038 |
| Total risk-based capital ratio | 13.6323% | 4,109 |
| Memoranda: | ||
| Average total assets | $156,198,500 | 3,327 |
| Average earning assets | $140,401,500 | 3,362 |
| Average equity | $14,214,000 | 3,771 |
| Average total loans | $108,472,500 | 3,187 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9804% | 1,093 |
| Cost of funding earning assets | 1.1168% | 466 |
| Net interest margin | 3.8636% | 2,453 |
| Noninterest income to average assets | 0.2724% | 4,279 |
| Noninterest expense to average assets | 3.3225% | 1,269 |
| Loan and lease loss provision to assets | 0.1487% | 1,429 |
| Net operating income to assets | 0.2033% | 5,106 |
| Return on assets (ROA) | 0.2033% | 5,103 |
| Pretax return on assets | 0.2928% | 5,053 |
| Return on Equity (ROE) | 2.2229% | 5,014 |
| Retained earnings to average equity (ytd only) | 2.2229% | 4,271 |
| Net charge-offs to loans | 0.3837% | 490 |
| Credit loss provision to net charge-offs | 55.9406% | 3,139 |
| Earnings coverage of net charge-offs (x) | 1.6609% | 3,603 |
| Efficiency ratio | 88.2713% | 420 |
| Assets per employee ($millions) | 3.7038% | 4,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0001% | 3,690 |
| Loan loss allowance to noncurrent loans | 50.6610% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 2.5643% | 289 |
| Noncurrent loans to loans | 1.9741% | 688 |
| Net loans and leases to total assets | 69.9441% | 2,566 |
| Net loans and leases to deposits | 82.6756% | 2,654 |
| Net loans and leases to core deposits | 93.3405% | 2,285 |
| Total domestic deposits to total assets | 84.6006% | 2,797 |
| Equity capital to assets | 9.2798% | 4,338 |
| Core capital (leverage) ratio | 9.3385% | 4,313 |
| Tier 1 risk-based capital ratio | 12.7581% | 3,985 |
| Total risk-based capital ratio | 13.7284% | 4,018 |
| Memoranda: | ||
| Average total assets | $151,995,400 | 3,363 |
| Average earning assets | $137,357,400 | 3,394 |
| Average equity | $13,900,600 | 3,761 |
| Average total loans | $105,292,000 | 3,211 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8924% | 1,176 |
| Cost of funding earning assets | 1.0842% | 424 |
| Net interest margin | 3.8082% | 2,614 |
| Noninterest income to average assets | 0.2613% | 4,401 |
| Noninterest expense to average assets | 3.3247% | 1,250 |
| Loan and lease loss provision to assets | 0.0044% | 3,884 |
| Net operating income to assets | 0.2824% | 5,110 |
| Return on assets (ROA) | 0.2824% | 5,103 |
| Pretax return on assets | 0.3762% | 5,057 |
| Return on Equity (ROE) | 3.0992% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.0992% | 4,197 |
| Net charge-offs to loans | 0.2901% | 574 |
| Credit loss provision to net charge-offs | 2.1930% | 3,080 |
| Earnings coverage of net charge-offs (x) | 1.9035% | 3,303 |
| Efficiency ratio | 89.7278% | 336 |
| Assets per employee ($millions) | 3.7958% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 4,033 |
| Loan loss allowance to noncurrent loans | 46.4108% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 2.2451% | 434 |
| Noncurrent loans to loans | 2.0569% | 703 |
| Net loans and leases to total assets | 68.5327% | 2,861 |
| Net loans and leases to deposits | 80.2341% | 3,014 |
| Net loans and leases to core deposits | 89.2213% | 2,728 |
| Total domestic deposits to total assets | 85.4159% | 2,452 |
| Equity capital to assets | 8.8525% | 4,678 |
| Core capital (leverage) ratio | 9.1489% | 4,565 |
| Tier 1 risk-based capital ratio | 12.6766% | 4,096 |
| Total risk-based capital ratio | 13.5997% | 4,177 |
| Memoranda: | ||
| Average total assets | $152,030,000 | 3,395 |
| Average earning assets | $137,488,250 | 3,432 |
| Average equity | $13,852,750 | 3,794 |
| Average total loans | $104,793,000 | 3,247 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7444% | 1,396 |
| Cost of funding earning assets | 1.0149% | 441 |
| Net interest margin | 3.7295% | 2,828 |
| Noninterest income to average assets | 0.2586% | 4,456 |
| Noninterest expense to average assets | 3.2646% | 1,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2904% | 5,131 |
| Return on assets (ROA) | 0.2904% | 5,122 |
| Pretax return on assets | 0.3660% | 5,090 |
| Return on Equity (ROE) | 3.1561% | 4,994 |
| Retained earnings to average equity (ytd only) | 3.1561% | 3,988 |
| Net charge-offs to loans | 0.4854% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.0952% | 3,087 |
| Efficiency ratio | 89.9196% | 374 |
| Assets per employee ($millions) | 3.7885% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 4,157 |
| Loan loss allowance to noncurrent loans | 45.3061% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 2.2501% | 420 |
| Noncurrent loans to loans | 2.0752% | 704 |
| Net loans and leases to total assets | 67.7628% | 2,900 |
| Net loans and leases to deposits | 84.5923% | 2,465 |
| Net loans and leases to core deposits | 103.5017% | 1,432 |
| Total domestic deposits to total assets | 80.1052% | 4,214 |
| Equity capital to assets | 8.8826% | 4,660 |
| Core capital (leverage) ratio | 9.4125% | 4,231 |
| Tier 1 risk-based capital ratio | 12.5235% | 4,170 |
| Total risk-based capital ratio | 13.4188% | 4,272 |
| Memoranda: | ||
| Average total assets | $150,830,670 | 3,425 |
| Average earning assets | $136,371,330 | 3,469 |
| Average equity | $13,878,000 | 3,811 |
| Average total loans | $103,829,330 | 3,268 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7019% | 1,304 |
| Cost of funding earning assets | 1.0197% | 337 |
| Net interest margin | 3.6822% | 2,869 |
| Noninterest income to average assets | 0.2477% | 4,519 |
| Noninterest expense to average assets | 3.2225% | 1,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2423% | 5,195 |
| Return on assets (ROA) | 0.2423% | 5,194 |
| Pretax return on assets | 0.3500% | 5,104 |
| Return on Equity (ROE) | 2.5865% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.5865% | 4,140 |
| Net charge-offs to loans | 1.0953% | 130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 0.4626% | 2,637 |
| Efficiency ratio | 90.2035% | 438 |
| Assets per employee ($millions) | 3.5761% | 4,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 4,226 |
| Loan loss allowance to noncurrent loans | 105.8952% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.5359% | 892 |
| Noncurrent loans to loans | 0.8955% | 2,034 |
| Net loans and leases to total assets | 69.1049% | 2,613 |
| Net loans and leases to deposits | 84.2883% | 2,360 |
| Net loans and leases to core deposits | 103.2475% | 1,439 |
| Total domestic deposits to total assets | 81.9863% | 3,968 |
| Equity capital to assets | 9.4031% | 4,180 |
| Core capital (leverage) ratio | 9.4063% | 4,182 |
| Tier 1 risk-based capital ratio | 12.6962% | 4,113 |
| Total risk-based capital ratio | 13.5869% | 4,243 |
| Memoranda: | ||
| Average total assets | $148,582,500 | 3,484 |
| Average earning assets | $134,157,500 | 3,531 |
| Average equity | $13,918,500 | 3,839 |
| Average total loans | $102,617,500 | 3,312 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 817 |
| Cost of funding earning assets | 0.8037% | 606 |
| Net interest margin | 4.0851% | 1,495 |
| Noninterest income to average assets | 0.0232% | 5,578 |
| Noninterest expense to average assets | 3.5874% | 907 |
| Loan and lease loss provision to assets | 0.1825% | 1,170 |
| Net operating income to assets | -0.4873% | 5,526 |
| Return on assets (ROA) | -0.4695% | 5,523 |
| Pretax return on assets | -0.0745% | 5,462 |
| Return on Equity (ROE) | -4.6761% | 5,530 |
| Retained earnings to average equity (ytd only) | -4.6761% | 5,423 |
| Net charge-offs to loans | 0.1025% | 2,046 |
| Credit loss provision to net charge-offs | 272.4490% | 1,025 |
| Earnings coverage of net charge-offs (x) | 1.3469% | 3,901 |
| Efficiency ratio | 97.5469% | 215 |
| Assets per employee ($millions) | 3.9617% | 4,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,686 |
| Loan loss allowance to noncurrent loans | 117.9076% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 1.7603% | 717 |
| Noncurrent loans to loans | 1.0307% | 1,724 |
| Net loans and leases to total assets | 67.5495% | 2,882 |
| Net loans and leases to deposits | 83.0253% | 2,608 |
| Net loans and leases to core deposits | 100.8059% | 1,652 |
| Total domestic deposits to total assets | 81.3601% | 4,034 |
| Equity capital to assets | 9.3329% | 4,397 |
| Core capital (leverage) ratio | 9.3124% | 4,276 |
| Tier 1 risk-based capital ratio | 12.5374% | 4,181 |
| Total risk-based capital ratio | 13.6775% | 4,152 |
| Memoranda: | ||
| Average total assets | $146,318,600 | 3,519 |
| Average earning assets | $130,890,000 | 3,576 |
| Average equity | $14,691,800 | 3,757 |
| Average total loans | $95,609,800 | 3,422 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9109% | 742 |
| Cost of funding earning assets | 0.7663% | 698 |
| Net interest margin | 4.1447% | 1,288 |
| Noninterest income to average assets | 0.2047% | 4,982 |
| Noninterest expense to average assets | 3.5888% | 886 |
| Loan and lease loss provision to assets | 0.1175% | 1,845 |
| Net operating income to assets | 0.1114% | 5,439 |
| Return on assets (ROA) | 0.1267% | 5,427 |
| Pretax return on assets | 0.2258% | 5,364 |
| Return on Equity (ROE) | 1.2389% | 5,402 |
| Retained earnings to average equity (ytd only) | 1.2389% | 4,909 |
| Net charge-offs to loans | 0.1109% | 1,678 |
| Credit loss provision to net charge-offs | 164.1026% | 1,573 |
| Earnings coverage of net charge-offs (x) | 4.4614% | 3,219 |
| Efficiency ratio | 91.8271% | 347 |
| Assets per employee ($millions) | 3.8347% | 4,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1407% | 3,249 |
| Loan loss allowance to noncurrent loans | 111.0893% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 1.8343% | 743 |
| Noncurrent loans to loans | 1.0268% | 1,890 |
| Net loans and leases to total assets | 62.4016% | 3,609 |
| Net loans and leases to deposits | 75.0964% | 3,460 |
| Net loans and leases to core deposits | 93.1993% | 2,330 |
| Total domestic deposits to total assets | 83.0952% | 3,427 |
| Equity capital to assets | 9.5667% | 4,378 |
| Core capital (leverage) ratio | 9.8520% | 3,750 |
| Tier 1 risk-based capital ratio | 14.3523% | 3,265 |
| Total risk-based capital ratio | 15.4915% | 3,228 |
| Memoranda: | ||
| Average total assets | $145,262,500 | 3,565 |
| Average earning assets | $129,802,000 | 3,628 |
| Average equity | $14,852,250 | 3,771 |
| Average total loans | $93,776,750 | 3,487 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2945% | 338 |
| Cost of funding earning assets | 0.7868% | 562 |
| Net interest margin | 4.5077% | 561 |
| Noninterest income to average assets | 0.1784% | 5,161 |
| Noninterest expense to average assets | 3.6793% | 794 |
| Loan and lease loss provision to assets | 0.1812% | 1,044 |
| Net operating income to assets | 0.0760% | 5,512 |
| Return on assets (ROA) | 0.1005% | 5,496 |
| Pretax return on assets | 0.1840% | 5,440 |
| Return on Equity (ROE) | 0.9602% | 5,477 |
| Retained earnings to average equity (ytd only) | 0.9602% | 4,851 |
| Net charge-offs to loans | 0.1414% | 1,309 |
| Credit loss provision to net charge-offs | 196.9231% | 1,289 |
| Earnings coverage of net charge-offs (x) | 3.5538% | 3,031 |
| Efficiency ratio | 91.8375% | 368 |
| Assets per employee ($millions) | 3.9457% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2160% | 2,923 |
| Loan loss allowance to noncurrent loans | 131.7606% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.6534% | 894 |
| Noncurrent loans to loans | 0.9228% | 2,125 |
| Net loans and leases to total assets | 62.0398% | 3,627 |
| Net loans and leases to deposits | 74.5102% | 3,491 |
| Net loans and leases to core deposits | 94.0898% | 2,149 |
| Total domestic deposits to total assets | 83.2635% | 3,480 |
| Equity capital to assets | 9.9783% | 3,937 |
| Core capital (leverage) ratio | 9.7395% | 3,848 |
| Tier 1 risk-based capital ratio | 14.1249% | 3,356 |
| Total risk-based capital ratio | 15.2667% | 3,332 |
| Memoranda: | ||
| Average total assets | $141,276,000 | 3,644 |
| Average earning assets | $119,973,330 | 3,810 |
| Average equity | $14,789,330 | 3,786 |
| Average total loans | $91,955,330 | 3,538 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4591% | 249 |
| Cost of funding earning assets | 0.7415% | 687 |
| Net interest margin | 4.7176% | 367 |
| Noninterest income to average assets | 0.0964% | 5,606 |
| Noninterest expense to average assets | 3.8351% | 652 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0789% | 5,540 |
| Return on assets (ROA) | 0.0789% | 5,545 |
| Pretax return on assets | 0.1636% | 5,473 |
| Return on Equity (ROE) | 0.7345% | 5,536 |
| Retained earnings to average equity (ytd only) | 0.7345% | 4,738 |
| Net charge-offs to loans | 0.2289% | 785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.0769% | 2,763 |
| Efficiency ratio | 95.9094% | 322 |
| Assets per employee ($millions) | 3.9159% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 3,436 |
| Loan loss allowance to noncurrent loans | 151.4706% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 1.6571% | 920 |
| Noncurrent loans to loans | 0.7564% | 2,595 |
| Net loans and leases to total assets | 61.3350% | 3,620 |
| Net loans and leases to deposits | 77.0338% | 3,076 |
| Net loans and leases to core deposits | 97.5092% | 1,701 |
| Total domestic deposits to total assets | 79.6208% | 4,698 |
| Equity capital to assets | 10.1665% | 3,549 |
| Core capital (leverage) ratio | 10.3616% | 3,043 |
| Tier 1 risk-based capital ratio | 15.2523% | 2,853 |
| Total risk-based capital ratio | 16.3692% | 2,845 |
| Memoranda: | ||
| Average total assets | $136,946,000 | 3,738 |
| Average earning assets | $113,279,000 | 3,959 |
| Average equity | $14,703,500 | 3,816 |
| Average total loans | $90,850,500 | 3,580 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3613% | 317 |
| Cost of funding earning assets | 0.5580% | 1,616 |
| Net interest margin | 4.8033% | 348 |
| Noninterest income to average assets | 0.2672% | 4,819 |
| Noninterest expense to average assets | 4.0589% | 554 |
| Loan and lease loss provision to assets | 0.0684% | 3,000 |
| Net operating income to assets | 0.1242% | 5,533 |
| Return on assets (ROA) | 0.1344% | 5,551 |
| Pretax return on assets | 0.2696% | 5,403 |
| Return on Equity (ROE) | 1.1449% | 5,544 |
| Retained earnings to average equity (ytd only) | 1.1449% | 4,835 |
| Net charge-offs to loans | 0.1414% | 1,849 |
| Credit loss provision to net charge-offs | 69.3548% | 3,140 |
| Earnings coverage of net charge-offs (x) | 3.2661% | 3,698 |
| Efficiency ratio | 92.6484% | 436 |
| Assets per employee ($millions) | 3.3078% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 3,248 |
| Loan loss allowance to noncurrent loans | 196.0145% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 1.8092% | 810 |
| Noncurrent loans to loans | 0.6013% | 3,049 |
| Net loans and leases to total assets | 70.3250% | 2,419 |
| Net loans and leases to deposits | 91.1083% | 1,560 |
| Net loans and leases to core deposits | 114.2278% | 687 |
| Total domestic deposits to total assets | 77.1883% | 5,093 |
| Equity capital to assets | 11.3772% | 2,262 |
| Core capital (leverage) ratio | 11.2779% | 2,104 |
| Tier 1 risk-based capital ratio | 15.6917% | 2,674 |
| Total risk-based capital ratio | 16.9038% | 2,612 |
| Memoranda: | ||
| Average total assets | $125,749,200 | 3,895 |
| Average earning assets | $107,697,400 | 4,048 |
| Average equity | $14,761,200 | 3,841 |
| Average total loans | $87,713,800 | 3,624 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3801% | 311 |
| Cost of funding earning assets | 0.5406% | 1,784 |
| Net interest margin | 4.8395% | 336 |
| Noninterest income to average assets | 0.2849% | 4,727 |
| Noninterest expense to average assets | 4.0585% | 544 |
| Loan and lease loss provision to assets | 0.0918% | 2,390 |
| Net operating income to assets | 0.1457% | 5,562 |
| Return on assets (ROA) | 0.1579% | 5,597 |
| Pretax return on assets | 0.3095% | 5,451 |
| Return on Equity (ROE) | 1.3349% | 5,595 |
| Retained earnings to average equity (ytd only) | 1.3349% | 4,979 |
| Net charge-offs to loans | 0.1938% | 1,211 |
| Credit loss provision to net charge-offs | 68.2540% | 2,819 |
| Earnings coverage of net charge-offs (x) | 2.8412% | 3,512 |
| Efficiency ratio | 91.3963% | 496 |
| Assets per employee ($millions) | 3.1053% | 5,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,209 |
| Loan loss allowance to noncurrent loans | 100.5587% | 3,612 |
| Noncurrent assets plus other real estate owned to assets | 2.3838% | 590 |
| Noncurrent loans to loans | 1.1976% | 1,872 |
| Net loans and leases to total assets | 71.3281% | 2,292 |
| Net loans and leases to deposits | 89.3206% | 1,838 |
| Net loans and leases to core deposits | 112.0161% | 807 |
| Total domestic deposits to total assets | 79.8562% | 4,544 |
| Equity capital to assets | 12.0922% | 2,047 |
| Core capital (leverage) ratio | 11.2634% | 2,217 |
| Tier 1 risk-based capital ratio | 16.0888% | 2,587 |
| Total risk-based capital ratio | 17.3258% | 2,542 |
| Memoranda: | ||
| Average total assets | $124,935,500 | 3,933 |
| Average earning assets | $107,281,750 | 4,082 |
| Average equity | $14,782,250 | 3,869 |
| Average total loans | $86,691,250 | 3,665 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3010% | 365 |
| Cost of funding earning assets | 0.5127% | 2,004 |
| Net interest margin | 4.7883% | 377 |
| Noninterest income to average assets | 0.0927% | 5,804 |
| Noninterest expense to average assets | 4.0055% | 588 |
| Loan and lease loss provision to assets | 0.0975% | 2,207 |
| Net operating income to assets | 0.0452% | 5,729 |
| Return on assets (ROA) | 0.0431% | 5,762 |
| Pretax return on assets | 0.1198% | 5,703 |
| Return on Equity (ROE) | 0.3673% | 5,762 |
| Retained earnings to average equity (ytd only) | 0.3673% | 5,195 |
| Net charge-offs to loans | 0.0980% | 1,862 |
| Credit loss provision to net charge-offs | 145.2381% | 1,630 |
| Earnings coverage of net charge-offs (x) | 3.2857% | 3,134 |
| Efficiency ratio | 94.7826% | 387 |
| Assets per employee ($millions) | 3.0866% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,805 |
| Loan loss allowance to noncurrent loans | 62.6168% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 3.0304% | 398 |
| Noncurrent loans to loans | 2.0710% | 947 |
| Net loans and leases to total assets | 68.5028% | 2,709 |
| Net loans and leases to deposits | 85.0904% | 2,343 |
| Net loans and leases to core deposits | 110.5414% | 904 |
| Total domestic deposits to total assets | 80.5059% | 4,411 |
| Equity capital to assets | 11.7684% | 2,295 |
| Core capital (leverage) ratio | 11.1628% | 2,270 |
| Tier 1 risk-based capital ratio | 15.9962% | 2,646 |
| Total risk-based capital ratio | 17.2517% | 2,579 |
| Memoranda: | ||
| Average total assets | $125,176,670 | 3,955 |
| Average earning assets | $108,054,330 | 4,096 |
| Average equity | $14,703,000 | 3,900 |
| Average total loans | $85,695,670 | 3,701 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3618% | 314 |
| Cost of funding earning assets | 0.5091% | 2,035 |
| Net interest margin | 4.8528% | 329 |
| Noninterest income to average assets | -0.0546% | 6,099 |
| Noninterest expense to average assets | 3.8300% | 742 |
| Loan and lease loss provision to assets | 0.1960% | 1,006 |
| Net operating income to assets | 0.0461% | 5,748 |
| Return on assets (ROA) | 0.0482% | 5,780 |
| Pretax return on assets | 0.1189% | 5,722 |
| Return on Equity (ROE) | 0.4107% | 5,781 |
| Retained earnings to average equity (ytd only) | 0.4107% | 5,015 |
| Net charge-offs to loans | 0.3828% | 582 |
| Credit loss provision to net charge-offs | 75.3086% | 1,866 |
| Earnings coverage of net charge-offs (x) | 1.1975% | 2,851 |
| Efficiency ratio | 92.4748% | 521 |
| Assets per employee ($millions) | 3.3036% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 2,956 |
| Loan loss allowance to noncurrent loans | 45.6621% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 3.8443% | 273 |
| Noncurrent loans to loans | 2.8294% | 604 |
| Net loans and leases to total assets | 66.9463% | 2,814 |
| Net loans and leases to deposits | 83.1447% | 2,414 |
| Net loans and leases to core deposits | 111.5075% | 783 |
| Total domestic deposits to total assets | 80.5178% | 4,627 |
| Equity capital to assets | 11.7059% | 2,241 |
| Core capital (leverage) ratio | 11.3197% | 2,124 |
| Tier 1 risk-based capital ratio | 16.0904% | 2,637 |
| Total risk-based capital ratio | 17.3466% | 2,585 |
| Memoranda: | ||
| Average total assets | $124,489,500 | 4,000 |
| Average earning assets | $107,650,000 | 4,133 |
| Average equity | $14,608,000 | 3,914 |
| Average total loans | $84,628,500 | 3,736 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3273% | 354 |
| Cost of funding earning assets | 0.5494% | 1,763 |
| Net interest margin | 4.7780% | 395 |
| Noninterest income to average assets | 0.2526% | 5,081 |
| Noninterest expense to average assets | 3.9573% | 711 |
| Loan and lease loss provision to assets | 0.2333% | 842 |
| Net operating income to assets | 0.1405% | 5,699 |
| Return on assets (ROA) | 0.1427% | 5,746 |
| Pretax return on assets | 0.2627% | 5,593 |
| Return on Equity (ROE) | 1.1811% | 5,740 |
| Retained earnings to average equity (ytd only) | 1.1811% | 5,039 |
| Net charge-offs to loans | 0.3297% | 903 |
| Credit loss provision to net charge-offs | 103.3457% | 2,429 |
| Earnings coverage of net charge-offs (x) | 2.1822% | 3,960 |
| Efficiency ratio | 88.9287% | 765 |
| Assets per employee ($millions) | 3.2478% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 2,752 |
| Loan loss allowance to noncurrent loans | 45.9770% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 3.4914% | 341 |
| Noncurrent loans to loans | 2.8960% | 574 |
| Net loans and leases to total assets | 67.2484% | 2,828 |
| Net loans and leases to deposits | 86.3328% | 2,086 |
| Net loans and leases to core deposits | 118.6674% | 518 |
| Total domestic deposits to total assets | 77.8945% | 5,189 |
| Equity capital to assets | 11.7285% | 2,173 |
| Core capital (leverage) ratio | 11.2269% | 2,181 |
| Tier 1 risk-based capital ratio | 15.9804% | 2,691 |
| Total risk-based capital ratio | 17.2393% | 2,631 |
| Memoranda: | ||
| Average total assets | $119,146,600 | 4,081 |
| Average earning assets | $104,668,000 | 4,172 |
| Average equity | $14,393,400 | 3,923 |
| Average total loans | $81,597,200 | 3,783 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2684% | 391 |
| Cost of funding earning assets | 0.5661% | 1,658 |
| Net interest margin | 4.7023% | 452 |
| Noninterest income to average assets | 0.3128% | 4,710 |
| Noninterest expense to average assets | 3.9961% | 670 |
| Loan and lease loss provision to assets | 0.2010% | 1,002 |
| Net operating income to assets | 0.1352% | 5,798 |
| Return on assets (ROA) | 0.1366% | 5,841 |
| Pretax return on assets | 0.2541% | 5,716 |
| Return on Equity (ROE) | 1.1225% | 5,838 |
| Retained earnings to average equity (ytd only) | 1.1225% | 5,268 |
| Net charge-offs to loans | 0.2948% | 904 |
| Credit loss provision to net charge-offs | 99.4413% | 2,311 |
| Earnings coverage of net charge-offs (x) | 2.2402% | 3,701 |
| Efficiency ratio | 89.8223% | 715 |
| Assets per employee ($millions) | 3.2500% | 5,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 2,991 |
| Loan loss allowance to noncurrent loans | 64.4974% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 3.0664% | 482 |
| Noncurrent loans to loans | 2.0471% | 1,122 |
| Net loans and leases to total assets | 67.1752% | 2,831 |
| Net loans and leases to deposits | 84.3444% | 2,365 |
| Net loans and leases to core deposits | 117.5982% | 542 |
| Total domestic deposits to total assets | 79.6439% | 4,816 |
| Equity capital to assets | 11.6687% | 2,370 |
| Core capital (leverage) ratio | 11.3336% | 2,164 |
| Tier 1 risk-based capital ratio | 15.7595% | 2,916 |
| Total risk-based capital ratio | 17.0189% | 2,843 |
| Memoranda: | ||
| Average total assets | $118,079,000 | 4,142 |
| Average earning assets | $103,861,500 | 4,242 |
| Average equity | $14,373,000 | 3,970 |
| Average total loans | $80,967,500 | 3,827 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2846% | 366 |
| Cost of funding earning assets | 0.5878% | 1,501 |
| Net interest margin | 4.6967% | 452 |
| Noninterest income to average assets | 0.2890% | 4,898 |
| Noninterest expense to average assets | 4.0595% | 633 |
| Loan and lease loss provision to assets | 0.3045% | 503 |
| Net operating income to assets | 0.0184% | 5,972 |
| Return on assets (ROA) | 0.0206% | 6,008 |
| Pretax return on assets | 0.0654% | 5,965 |
| Return on Equity (ROE) | 0.1671% | 6,006 |
| Retained earnings to average equity (ytd only) | 0.1671% | 5,450 |
| Net charge-offs to loans | 0.5029% | 492 |
| Credit loss provision to net charge-offs | 88.0597% | 2,231 |
| Earnings coverage of net charge-offs (x) | 1.0597% | 3,582 |
| Efficiency ratio | 91.7217% | 656 |
| Assets per employee ($millions) | 3.4830% | 4,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3609% | 2,927 |
| Loan loss allowance to noncurrent loans | 56.1177% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 3.2316% | 477 |
| Noncurrent loans to loans | 2.4250% | 929 |
| Net loans and leases to total assets | 66.5318% | 2,862 |
| Net loans and leases to deposits | 75.8790% | 3,287 |
| Net loans and leases to core deposits | 104.7280% | 1,147 |
| Total domestic deposits to total assets | 87.6814% | 1,800 |
| Equity capital to assets | 11.9926% | 2,034 |
| Core capital (leverage) ratio | 12.1268% | 1,579 |
| Tier 1 risk-based capital ratio | 17.5494% | 2,201 |
| Total risk-based capital ratio | 18.8002% | 2,155 |
| Memoranda: | ||
| Average total assets | $116,271,670 | 4,217 |
| Average earning assets | $102,411,670 | 4,309 |
| Average equity | $14,360,330 | 3,984 |
| Average total loans | $79,932,670 | 3,885 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2001% | 404 |
| Cost of funding earning assets | 0.5861% | 1,530 |
| Net interest margin | 4.6140% | 488 |
| Noninterest income to average assets | 0.2813% | 4,928 |
| Noninterest expense to average assets | 4.0800% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1553% | 5,777 |
| Return on assets (ROA) | 0.1597% | 5,837 |
| Pretax return on assets | 0.2813% | 5,689 |
| Return on Equity (ROE) | 1.2743% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.2743% | 4,972 |
| Net charge-offs to loans | -0.0150% | 4,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7002% | 607 |
| Assets per employee ($millions) | 3.3296% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 2,944 |
| Loan loss allowance to noncurrent loans | 34.7690% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 4.2725% | 332 |
| Noncurrent loans to loans | 4.0111% | 440 |
| Net loans and leases to total assets | 67.5877% | 2,515 |
| Net loans and leases to deposits | 77.3911% | 2,892 |
| Net loans and leases to core deposits | 104.5572% | 1,031 |
| Total domestic deposits to total assets | 87.3327% | 2,198 |
| Equity capital to assets | 12.4030% | 1,755 |
| Core capital (leverage) ratio | 11.8605% | 1,729 |
| Tier 1 risk-based capital ratio | 16.5800% | 2,653 |
| Total risk-based capital ratio | 17.8418% | 2,597 |
| Memoranda: | ||
| Average total assets | $115,196,000 | 4,266 |
| Average earning assets | $101,689,500 | 4,351 |
| Average equity | $14,439,500 | 4,006 |
| Average total loans | $79,961,000 | 3,890 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9640% | 833 |
| Cost of funding earning assets | 0.5715% | 2,035 |
| Net interest margin | 4.3925% | 898 |
| Noninterest income to average assets | 0.5444% | 3,205 |
| Noninterest expense to average assets | 3.8745% | 880 |
| Loan and lease loss provision to assets | 0.4690% | 345 |
| Net operating income to assets | 0.0129% | 6,075 |
| Return on assets (ROA) | 0.0061% | 6,106 |
| Pretax return on assets | 0.0579% | 6,037 |
| Return on Equity (ROE) | 0.0500% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.0500% | 5,743 |
| Net charge-offs to loans | 0.5645% | 717 |
| Credit loss provision to net charge-offs | 120.7675% | 1,985 |
| Earnings coverage of net charge-offs (x) | 1.3837% | 4,433 |
| Efficiency ratio | 87.8204% | 1,006 |
| Assets per employee ($millions) | 3.1627% | 5,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 3,006 |
| Loan loss allowance to noncurrent loans | 33.1444% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 4.5619% | 332 |
| Noncurrent loans to loans | 4.1877% | 421 |
| Net loans and leases to total assets | 69.3270% | 2,333 |
| Net loans and leases to deposits | 79.7416% | 2,750 |
| Net loans and leases to core deposits | 106.0058% | 1,022 |
| Total domestic deposits to total assets | 86.9396% | 2,317 |
| Equity capital to assets | 12.6695% | 1,554 |
| Core capital (leverage) ratio | 11.6161% | 1,887 |
| Tier 1 risk-based capital ratio | 14.7030% | 3,657 |
| Total risk-based capital ratio | 15.9473% | 3,586 |
| Memoranda: | ||
| Average total assets | $114,079,800 | 4,299 |
| Average earning assets | $100,443,200 | 4,383 |
| Average equity | $13,991,000 | 4,025 |
| Average total loans | $78,481,400 | 3,920 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9207% | 893 |
| Cost of funding earning assets | 0.5643% | 2,156 |
| Net interest margin | 4.3564% | 945 |
| Noninterest income to average assets | 0.5911% | 2,923 |
| Noninterest expense to average assets | 3.8328% | 926 |
| Loan and lease loss provision to assets | 0.4941% | 305 |
| Net operating income to assets | 0.0405% | 6,103 |
| Return on assets (ROA) | 0.0315% | 6,131 |
| Pretax return on assets | 0.0829% | 6,078 |
| Return on Equity (ROE) | 0.2593% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.2593% | 5,731 |
| Net charge-offs to loans | 0.4371% | 901 |
| Credit loss provision to net charge-offs | 165.2344% | 1,483 |
| Earnings coverage of net charge-offs (x) | 1.9766% | 4,029 |
| Efficiency ratio | 86.6385% | 1,125 |
| Assets per employee ($millions) | 3.2508% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 2,596 |
| Loan loss allowance to noncurrent loans | 38.3199% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 4.3594% | 430 |
| Noncurrent loans to loans | 3.9801% | 536 |
| Net loans and leases to total assets | 67.3027% | 2,648 |
| Net loans and leases to deposits | 78.2328% | 2,926 |
| Net loans and leases to core deposits | 104.4679% | 1,075 |
| Total domestic deposits to total assets | 86.0288% | 2,835 |
| Equity capital to assets | 12.4700% | 1,720 |
| Core capital (leverage) ratio | 11.8120% | 1,824 |
| Tier 1 risk-based capital ratio | 14.9199% | 3,636 |
| Total risk-based capital ratio | 16.1708% | 3,564 |
| Memoranda: | ||
| Average total assets | $114,135,750 | 4,328 |
| Average earning assets | $100,416,000 | 4,425 |
| Average equity | $13,882,500 | 4,061 |
| Average total loans | $78,090,750 | 3,962 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9255% | 869 |
| Cost of funding earning assets | 0.5539% | 2,315 |
| Net interest margin | 4.3716% | 898 |
| Noninterest income to average assets | 0.5584% | 3,059 |
| Noninterest expense to average assets | 3.7915% | 983 |
| Loan and lease loss provision to assets | 0.4936% | 304 |
| Net operating income to assets | 0.0536% | 6,129 |
| Return on assets (ROA) | 0.0525% | 6,154 |
| Pretax return on assets | 0.1260% | 6,060 |
| Return on Equity (ROE) | 0.4354% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.4354% | 5,569 |
| Net charge-offs to loans | 0.2353% | 1,631 |
| Credit loss provision to net charge-offs | 306.5217% | 839 |
| Earnings coverage of net charge-offs (x) | 3.8587% | 3,205 |
| Efficiency ratio | 85.9183% | 1,277 |
| Assets per employee ($millions) | 3.2794% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 2,536 |
| Loan loss allowance to noncurrent loans | 29.8224% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 4.7346% | 395 |
| Noncurrent loans to loans | 5.3014% | 358 |
| Net loans and leases to total assets | 67.4993% | 2,499 |
| Net loans and leases to deposits | 77.6832% | 2,840 |
| Net loans and leases to core deposits | 103.8641% | 1,029 |
| Total domestic deposits to total assets | 86.8905% | 2,519 |
| Equity capital to assets | 12.6100% | 1,578 |
| Core capital (leverage) ratio | 11.6759% | 1,870 |
| Tier 1 risk-based capital ratio | 15.0394% | 3,614 |
| Total risk-based capital ratio | 16.2907% | 3,558 |
| Memoranda: | ||
| Average total assets | $114,255,330 | 4,359 |
| Average earning assets | $100,740,670 | 4,452 |
| Average equity | $13,780,670 | 4,084 |
| Average total loans | $78,200,670 | 3,970 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8573% | 935 |
| Cost of funding earning assets | 0.5580% | 2,363 |
| Net interest margin | 4.2993% | 995 |
| Noninterest income to average assets | 0.5673% | 2,936 |
| Noninterest expense to average assets | 3.6460% | 1,220 |
| Loan and lease loss provision to assets | 0.1038% | 2,190 |
| Net operating income to assets | 0.3148% | 5,440 |
| Return on assets (ROA) | 0.3148% | 5,489 |
| Pretax return on assets | 0.6019% | 4,823 |
| Return on Equity (ROE) | 2.6684% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.6684% | 4,475 |
| Net charge-offs to loans | -0.0152% | 5,212 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7838% | 1,697 |
| Assets per employee ($millions) | 3.3143% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 3,942 |
| Loan loss allowance to noncurrent loans | 123.4742% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 1.8569% | 1,871 |
| Noncurrent loans to loans | 1.0786% | 3,260 |
| Net loans and leases to total assets | 67.1897% | 2,359 |
| Net loans and leases to deposits | 76.5213% | 2,753 |
| Net loans and leases to core deposits | 99.7670% | 1,118 |
| Total domestic deposits to total assets | 87.8052% | 2,340 |
| Equity capital to assets | 11.9078% | 1,933 |
| Core capital (leverage) ratio | 11.6380% | 1,872 |
| Tier 1 risk-based capital ratio | 14.5884% | 3,953 |
| Total risk-based capital ratio | 15.7369% | 3,970 |
| Memoranda: | ||
| Average total assets | $115,633,500 | 4,374 |
| Average earning assets | $101,785,000 | 4,460 |
| Average equity | $13,641,000 | 4,122 |
| Average total loans | $79,066,000 | 3,968 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0437% | 845 |
| Cost of funding earning assets | 0.5890% | 2,764 |
| Net interest margin | 4.4546% | 816 |
| Noninterest income to average assets | 0.6808% | 2,643 |
| Noninterest expense to average assets | 3.9500% | 920 |
| Loan and lease loss provision to assets | 0.0704% | 3,716 |
| Net operating income to assets | 0.3672% | 5,270 |
| Return on assets (ROA) | 0.3765% | 5,353 |
| Pretax return on assets | 0.6076% | 4,856 |
| Return on Equity (ROE) | 3.0365% | 5,490 |
| Retained earnings to average equity (ytd only) | 3.0365% | 4,068 |
| Net charge-offs to loans | 0.0961% | 3,879 |
| Credit loss provision to net charge-offs | 108.3333% | 2,217 |
| Earnings coverage of net charge-offs (x) | 10.2083% | 2,403 |
| Efficiency ratio | 85.6164% | 1,448 |
| Assets per employee ($millions) | 3.3902% | 5,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2876% | 4,200 |
| Loan loss allowance to noncurrent loans | 66.6013% | 4,604 |
| Noncurrent assets plus other real estate owned to assets | 2.4569% | 1,410 |
| Noncurrent loans to loans | 1.9333% | 2,070 |
| Net loans and leases to total assets | 67.7740% | 2,398 |
| Net loans and leases to deposits | 78.6005% | 2,650 |
| Net loans and leases to core deposits | 98.8648% | 1,248 |
| Total domestic deposits to total assets | 86.2259% | 3,151 |
| Equity capital to assets | 11.6850% | 2,041 |
| Core capital (leverage) ratio | 11.7084% | 1,821 |
| Tier 1 risk-based capital ratio | 14.3341% | 4,061 |
| Total risk-based capital ratio | 15.4374% | 4,109 |
| Memoranda: | ||
| Average total assets | $110,760,000 | 4,480 |
| Average earning assets | $97,786,200 | 4,574 |
| Average equity | $13,732,800 | 4,118 |
| Average total loans | $74,936,000 | 4,096 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 951 |
| Cost of funding earning assets | 0.5952% | 2,850 |
| Net interest margin | 4.4034% | 887 |
| Noninterest income to average assets | 0.6373% | 2,939 |
| Noninterest expense to average assets | 3.9342% | 926 |
| Loan and lease loss provision to assets | 0.0340% | 4,337 |
| Net operating income to assets | 0.3305% | 5,489 |
| Return on assets (ROA) | 0.3430% | 5,584 |
| Pretax return on assets | 0.5752% | 5,112 |
| Return on Equity (ROE) | 2.7248% | 5,705 |
| Retained earnings to average equity (ytd only) | 2.7248% | 4,692 |
| Net charge-offs to loans | 0.1101% | 3,439 |
| Credit loss provision to net charge-offs | 45.9016% | 3,600 |
| Earnings coverage of net charge-offs (x) | 7.9509% | 2,697 |
| Efficiency ratio | 86.9624% | 1,262 |
| Assets per employee ($millions) | 3.3034% | 5,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2937% | 4,426 |
| Loan loss allowance to noncurrent loans | 115.5660% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.9214% | 2,110 |
| Noncurrent loans to loans | 1.1194% | 3,562 |
| Net loans and leases to total assets | 66.5729% | 2,550 |
| Net loans and leases to deposits | 76.7900% | 2,847 |
| Net loans and leases to core deposits | 96.4215% | 1,355 |
| Total domestic deposits to total assets | 86.6947% | 2,859 |
| Equity capital to assets | 11.8906% | 1,987 |
| Core capital (leverage) ratio | 11.7841% | 1,830 |
| Tier 1 risk-based capital ratio | 14.6661% | 3,973 |
| Total risk-based capital ratio | 15.7713% | 4,019 |
| Memoranda: | ||
| Average total assets | $109,633,250 | 4,542 |
| Average earning assets | $96,772,250 | 4,648 |
| Average equity | $13,798,750 | 4,152 |
| Average total loans | $73,885,000 | 4,162 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9326% | 1,023 |
| Cost of funding earning assets | 0.5955% | 2,980 |
| Net interest margin | 4.3371% | 963 |
| Noninterest income to average assets | 0.5812% | 3,310 |
| Noninterest expense to average assets | 4.0041% | 860 |
| Loan and lease loss provision to assets | 0.0184% | 4,524 |
| Net operating income to assets | 0.1927% | 5,918 |
| Return on assets (ROA) | 0.2115% | 5,994 |
| Pretax return on assets | 0.4194% | 5,592 |
| Return on Equity (ROE) | 1.6491% | 6,055 |
| Retained earnings to average equity (ytd only) | 1.6491% | 5,201 |
| Net charge-offs to loans | 0.0109% | 4,654 |
| Credit loss provision to net charge-offs | 250.0000% | 995 |
| Earnings coverage of net charge-offs (x) | 55.5000% | 742 |
| Efficiency ratio | 90.7461% | 1,005 |
| Assets per employee ($millions) | 3.7328% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 4,256 |
| Loan loss allowance to noncurrent loans | 2,038.0000% | 272 |
| Noncurrent assets plus other real estate owned to assets | 1.3957% | 3,015 |
| Noncurrent loans to loans | 0.0664% | 6,192 |
| Net loans and leases to total assets | 66.3610% | 2,528 |
| Net loans and leases to deposits | 76.7879% | 2,757 |
| Net loans and leases to core deposits | 97.6723% | 1,239 |
| Total domestic deposits to total assets | 86.4212% | 3,153 |
| Equity capital to assets | 12.1108% | 1,843 |
| Core capital (leverage) ratio | 11.7184% | 1,786 |
| Tier 1 risk-based capital ratio | 14.4944% | 4,099 |
| Total risk-based capital ratio | 15.6545% | 4,121 |
| Memoranda: | ||
| Average total assets | $108,739,000 | 4,588 |
| Average earning assets | $96,055,670 | 4,699 |
| Average equity | $13,946,670 | 4,159 |
| Average total loans | $73,262,670 | 4,201 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7918% | 1,306 |
| Cost of funding earning assets | 0.6021% | 3,090 |
| Net interest margin | 4.1897% | 1,218 |
| Noninterest income to average assets | 0.5377% | 3,513 |
| Noninterest expense to average assets | 3.7529% | 1,172 |
| Loan and lease loss provision to assets | 0.1307% | 2,610 |
| Net operating income to assets | 0.2117% | 5,847 |
| Return on assets (ROA) | 0.2427% | 5,876 |
| Pretax return on assets | 0.4182% | 5,508 |
| Return on Equity (ROE) | 1.8389% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.8389% | 5,079 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2353% | 1,307 |
| Assets per employee ($millions) | 3.3607% | 5,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4492% | 4,020 |
| Loan loss allowance to noncurrent loans | 318.5410% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 1.3706% | 3,218 |
| Noncurrent loans to loans | 0.4550% | 5,279 |
| Net loans and leases to total assets | 66.2681% | 2,321 |
| Net loans and leases to deposits | 76.4977% | 2,556 |
| Net loans and leases to core deposits | 91.4769% | 1,560 |
| Total domestic deposits to total assets | 86.6276% | 3,165 |
| Equity capital to assets | 13.1242% | 1,372 |
| Core capital (leverage) ratio | 11.8916% | 1,626 |
| Tier 1 risk-based capital ratio | 15.1373% | 3,749 |
| Total risk-based capital ratio | 16.3869% | 3,702 |
| Memoranda: | ||
| Average total assets | $107,117,000 | 4,675 |
| Average earning assets | $94,995,000 | 4,768 |
| Average equity | $14,139,000 | 4,171 |
| Average total loans | $72,228,000 | 4,261 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2412% | 1,038 |
| Cost of funding earning assets | 0.7726% | 2,893 |
| Net interest margin | 4.4686% | 1,006 |
| Noninterest income to average assets | 0.8474% | 2,052 |
| Noninterest expense to average assets | 3.8529% | 1,163 |
| Loan and lease loss provision to assets | 0.3967% | 1,643 |
| Net operating income to assets | 0.2987% | 5,472 |
| Return on assets (ROA) | 0.3561% | 5,498 |
| Pretax return on assets | 0.5897% | 5,024 |
| Return on Equity (ROE) | 2.6462% | 5,694 |
| Retained earnings to average equity (ytd only) | 2.6462% | 4,371 |
| Net charge-offs to loans | 1.0541% | 1,018 |
| Credit loss provision to net charge-offs | 54.2216% | 4,596 |
| Earnings coverage of net charge-offs (x) | 1.2256% | 4,846 |
| Efficiency ratio | 81.1217% | 1,994 |
| Assets per employee ($millions) | 4.1035% | 3,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4042% | 4,156 |
| Loan loss allowance to noncurrent loans | 888.5965% | 501 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 3,681 |
| Noncurrent loans to loans | 0.1580% | 6,083 |
| Net loans and leases to total assets | 66.6676% | 2,427 |
| Net loans and leases to deposits | 77.1414% | 2,634 |
| Net loans and leases to core deposits | 88.9335% | 1,979 |
| Total domestic deposits to total assets | 86.4226% | 3,139 |
| Equity capital to assets | 13.2756% | 1,319 |
| Core capital (leverage) ratio | 12.0787% | 1,525 |
| Tier 1 risk-based capital ratio | 15.2537% | 3,577 |
| Total risk-based capital ratio | 16.4867% | 3,536 |
| Memoranda: | ||
| Average total assets | $103,611,000 | 4,741 |
| Average earning assets | $90,475,200 | 4,858 |
| Average equity | $13,944,400 | 4,167 |
| Average total loans | $71,910,600 | 4,284 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2533% | 1,094 |
| Cost of funding earning assets | 0.8139% | 2,833 |
| Net interest margin | 4.4393% | 1,115 |
| Noninterest income to average assets | 0.2787% | 5,547 |
| Noninterest expense to average assets | 3.5160% | 1,721 |
| Loan and lease loss provision to assets | 0.2347% | 2,699 |
| Net operating income to assets | 0.2780% | 5,685 |
| Return on assets (ROA) | 0.3682% | 5,578 |
| Pretax return on assets | 0.5160% | 5,415 |
| Return on Equity (ROE) | 2.7262% | 5,780 |
| Retained earnings to average equity (ytd only) | 2.7262% | 4,914 |
| Net charge-offs to loans | 0.9130% | 1,190 |
| Credit loss provision to net charge-offs | 36.7886% | 4,688 |
| Earnings coverage of net charge-offs (x) | 0.9777% | 4,834 |
| Efficiency ratio | 84.9358% | 1,481 |
| Assets per employee ($millions) | 3.9096% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4303% | 4,242 |
| Loan loss allowance to noncurrent loans | 1,192.0455% | 377 |
| Noncurrent assets plus other real estate owned to assets | 1.3954% | 3,515 |
| Noncurrent loans to loans | 0.1200% | 6,308 |
| Net loans and leases to total assets | 68.4833% | 2,219 |
| Net loans and leases to deposits | 79.8990% | 2,402 |
| Net loans and leases to core deposits | 95.9046% | 1,417 |
| Total domestic deposits to total assets | 85.7124% | 3,405 |
| Equity capital to assets | 13.3820% | 1,398 |
| Core capital (leverage) ratio | 11.7983% | 1,769 |
| Tier 1 risk-based capital ratio | 15.0948% | 3,778 |
| Total risk-based capital ratio | 16.3457% | 3,732 |
| Memoranda: | ||
| Average total assets | $102,840,750 | 4,807 |
| Average earning assets | $89,440,750 | 4,928 |
| Average equity | $13,889,500 | 4,214 |
| Average total loans | $71,852,750 | 4,330 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 1,137 |
| Cost of funding earning assets | 0.8629% | 2,707 |
| Net interest margin | 4.3906% | 1,227 |
| Noninterest income to average assets | 0.2904% | 5,482 |
| Noninterest expense to average assets | 3.5258% | 1,732 |
| Loan and lease loss provision to assets | 0.3257% | 2,021 |
| Net operating income to assets | 0.1914% | 5,939 |
| Return on assets (ROA) | 0.2354% | 5,997 |
| Pretax return on assets | 0.3473% | 5,835 |
| Return on Equity (ROE) | 1.7378% | 6,119 |
| Retained earnings to average equity (ytd only) | 1.7378% | 5,325 |
| Net charge-offs to loans | 1.1492% | 940 |
| Credit loss provision to net charge-offs | 40.4878% | 4,248 |
| Earnings coverage of net charge-offs (x) | 0.7561% | 4,676 |
| Efficiency ratio | 85.2871% | 1,502 |
| Assets per employee ($millions) | 3.7951% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5621% | 3,734 |
| Loan loss allowance to noncurrent loans | 87.2557% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.9392% | 2,862 |
| Noncurrent loans to loans | 1.7903% | 3,231 |
| Net loans and leases to total assets | 68.6328% | 2,182 |
| Net loans and leases to deposits | 79.6742% | 2,426 |
| Net loans and leases to core deposits | 96.9345% | 1,357 |
| Total domestic deposits to total assets | 86.1419% | 3,286 |
| Equity capital to assets | 13.6180% | 1,256 |
| Core capital (leverage) ratio | 11.9533% | 1,623 |
| Tier 1 risk-based capital ratio | 15.7433% | 3,307 |
| Total risk-based capital ratio | 16.9960% | 3,275 |
| Memoranda: | ||
| Average total assets | $101,934,330 | 4,856 |
| Average earning assets | $89,236,670 | 4,957 |
| Average equity | $13,810,670 | 4,231 |
| Average total loans | $71,357,000 | 4,375 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 1,149 |
| Cost of funding earning assets | 0.9468% | 2,319 |
| Net interest margin | 4.3302% | 1,377 |
| Noninterest income to average assets | 0.3344% | 5,185 |
| Noninterest expense to average assets | 3.4583% | 1,850 |
| Loan and lease loss provision to assets | 0.6020% | 951 |
| Net operating income to assets | 0.0433% | 6,345 |
| Return on assets (ROA) | 0.0433% | 6,462 |
| Pretax return on assets | 0.0708% | 6,425 |
| Return on Equity (ROE) | 0.3203% | 6,472 |
| Retained earnings to average equity (ytd only) | 0.3203% | 5,884 |
| Net charge-offs to loans | 2.3053% | 371 |
| Credit loss provision to net charge-offs | 37.2263% | 3,494 |
| Earnings coverage of net charge-offs (x) | 0.4161% | 4,148 |
| Efficiency ratio | 83.7143% | 1,714 |
| Assets per employee ($millions) | 3.9060% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 3,922 |
| Loan loss allowance to noncurrent loans | 298.6450% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.5504% | 5,502 |
| Noncurrent loans to loans | 0.5204% | 5,628 |
| Net loans and leases to total assets | 68.7371% | 1,981 |
| Net loans and leases to deposits | 79.7664% | 2,233 |
| Net loans and leases to core deposits | 96.4451% | 1,260 |
| Total domestic deposits to total assets | 86.1730% | 3,428 |
| Equity capital to assets | 13.5532% | 1,218 |
| Core capital (leverage) ratio | 11.9182% | 1,635 |
| Tier 1 risk-based capital ratio | 15.7812% | 3,295 |
| Total risk-based capital ratio | 17.0340% | 3,263 |
| Memoranda: | ||
| Average total assets | $101,668,000 | 4,897 |
| Average earning assets | $89,140,500 | 4,990 |
| Average equity | $13,739,000 | 4,248 |
| Average total loans | $71,314,500 | 4,406 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2819% | 1,765 |
| Cost of funding earning assets | 1.2307% | 1,836 |
| Net interest margin | 4.0512% | 2,630 |
| Noninterest income to average assets | 0.2056% | 6,036 |
| Noninterest expense to average assets | 3.6591% | 1,620 |
| Loan and lease loss provision to assets | 0.0241% | 6,273 |
| Net operating income to assets | 0.1197% | 5,820 |
| Return on assets (ROA) | 2.5041% | 137 |
| Pretax return on assets | 2.5335% | 195 |
| Return on Equity (ROE) | 20.4945% | 247 |
| Retained earnings to average equity (ytd only) | 20.4945% | 41 |
| Net charge-offs to loans | 0.3020% | 3,888 |
| Credit loss provision to net charge-offs | 10.9524% | 6,003 |
| Earnings coverage of net charge-offs (x) | 0.7667% | 5,225 |
| Efficiency ratio | 95.5878% | 843 |
| Assets per employee ($millions) | 3.9147% | 4,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8962% | 2,578 |
| Loan loss allowance to noncurrent loans | 311.9266% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 5,403 |
| Noncurrent loans to loans | 0.6079% | 5,497 |
| Net loans and leases to total assets | 69.1298% | 2,196 |
| Net loans and leases to deposits | 82.6095% | 2,119 |
| Net loans and leases to core deposits | 99.8751% | 1,192 |
| Total domestic deposits to total assets | 83.6826% | 4,456 |
| Equity capital to assets | 13.4740% | 1,279 |
| Core capital (leverage) ratio | 12.3018% | 1,436 |
| Tier 1 risk-based capital ratio | 15.4620% | 3,355 |
| Total risk-based capital ratio | 16.7186% | 3,304 |
| Memoranda: | ||
| Average total assets | $95,323,000 | 5,031 |
| Average earning assets | $85,234,600 | 5,083 |
| Average equity | $11,647,000 | 4,624 |
| Average total loans | $69,542,600 | 4,508 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2488% | 2,038 |
| Cost of funding earning assets | 1.2704% | 1,858 |
| Net interest margin | 3.9784% | 3,010 |
| Noninterest income to average assets | 0.1978% | 6,179 |
| Noninterest expense to average assets | 3.6723% | 1,561 |
| Loan and lease loss provision to assets | 0.0327% | 6,030 |
| Net operating income to assets | 0.0539% | 6,064 |
| Return on assets (ROA) | 0.0626% | 6,150 |
| Pretax return on assets | 0.0925% | 6,112 |
| Return on Equity (ROE) | 0.5271% | 6,167 |
| Retained earnings to average equity (ytd only) | 0.5271% | 5,795 |
| Net charge-offs to loans | 0.2106% | 4,115 |
| Credit loss provision to net charge-offs | 21.1009% | 5,542 |
| Earnings coverage of net charge-offs (x) | 0.7248% | 5,074 |
| Efficiency ratio | 97.0301% | 772 |
| Assets per employee ($millions) | 3.7086% | 4,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0878% | 2,094 |
| Loan loss allowance to noncurrent loans | 289.8810% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.7353% | 5,319 |
| Noncurrent loans to loans | 0.7202% | 5,436 |
| Net loans and leases to total assets | 71.0570% | 1,892 |
| Net loans and leases to deposits | 81.5560% | 2,438 |
| Net loans and leases to core deposits | 98.4044% | 1,394 |
| Total domestic deposits to total assets | 87.1266% | 2,571 |
| Equity capital to assets | 11.8601% | 2,366 |
| Core capital (leverage) ratio | 12.0172% | 1,694 |
| Tier 1 risk-based capital ratio | 15.2736% | 3,510 |
| Total risk-based capital ratio | 16.5325% | 3,468 |
| Memoranda: | ||
| Average total assets | $93,708,500 | 5,113 |
| Average earning assets | $84,487,500 | 5,142 |
| Average equity | $11,130,250 | 4,771 |
| Average total loans | $68,998,000 | 4,568 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 2,290 |
| Cost of funding earning assets | 1.2981% | 1,953 |
| Net interest margin | 3.8942% | 3,342 |
| Noninterest income to average assets | 0.1789% | 6,379 |
| Noninterest expense to average assets | 3.7240% | 1,482 |
| Loan and lease loss provision to assets | 0.0388% | 5,828 |
| Net operating income to assets | -0.0840% | 6,330 |
| Return on assets (ROA) | -0.0668% | 6,371 |
| Pretax return on assets | -0.0366% | 6,301 |
| Return on Equity (ROE) | -0.5622% | 6,364 |
| Retained earnings to average equity (ytd only) | -0.5622% | 5,978 |
| Net charge-offs to loans | 0.2476% | 3,639 |
| Credit loss provision to net charge-offs | 21.1765% | 5,117 |
| Earnings coverage of net charge-offs (x) | -0.0824% | 5,331 |
| Efficiency ratio | 100.4067% | 709 |
| Assets per employee ($millions) | 3.5969% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1154% | 2,088 |
| Loan loss allowance to noncurrent loans | 402.1739% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 5,686 |
| Noncurrent loans to loans | 0.5260% | 5,855 |
| Net loans and leases to total assets | 73.2271% | 1,550 |
| Net loans and leases to deposits | 84.3146% | 2,061 |
| Net loans and leases to core deposits | 100.4709% | 1,302 |
| Total domestic deposits to total assets | 86.8499% | 2,820 |
| Equity capital to assets | 11.9611% | 2,116 |
| Core capital (leverage) ratio | 12.0672% | 1,569 |
| Tier 1 risk-based capital ratio | 15.2560% | 3,370 |
| Total risk-based capital ratio | 16.5152% | 3,325 |
| Memoranda: | ||
| Average total assets | $92,803,330 | 5,177 |
| Average earning assets | $84,124,670 | 5,194 |
| Average equity | $11,028,330 | 4,796 |
| Average total loans | $68,671,670 | 4,626 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0865% | 2,705 |
| Cost of funding earning assets | 1.3360% | 1,974 |
| Net interest margin | 3.7505% | 3,837 |
| Noninterest income to average assets | 0.1428% | 6,699 |
| Noninterest expense to average assets | 3.7557% | 1,430 |
| Loan and lease loss provision to assets | 0.0519% | 5,352 |
| Net operating income to assets | -0.2942% | 6,655 |
| Return on assets (ROA) | -0.2942% | 6,669 |
| Pretax return on assets | -0.2639% | 6,592 |
| Return on Equity (ROE) | -2.4841% | 6,631 |
| Retained earnings to average equity (ytd only) | -2.4841% | 6,220 |
| Net charge-offs to loans | 0.2940% | 2,877 |
| Credit loss provision to net charge-offs | 24.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | -0.9800% | 4,890 |
| Efficiency ratio | 105.9829% | 576 |
| Assets per employee ($millions) | 3.4544% | 5,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1984% | 1,970 |
| Loan loss allowance to noncurrent loans | 2,155.7143% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 6,452 |
| Noncurrent loans to loans | 0.1020% | 6,789 |
| Net loans and leases to total assets | 71.9749% | 1,728 |
| Net loans and leases to deposits | 81.8551% | 2,387 |
| Net loans and leases to core deposits | 91.7780% | 2,154 |
| Total domestic deposits to total assets | 87.9297% | 2,413 |
| Equity capital to assets | 11.7347% | 2,093 |
| Core capital (leverage) ratio | 12.1278% | 1,494 |
| Tier 1 risk-based capital ratio | 14.8126% | 3,535 |
| Total risk-based capital ratio | 16.0725% | 3,488 |
| Memoranda: | ||
| Average total assets | $92,445,000 | 5,223 |
| Average earning assets | $83,829,500 | 5,240 |
| Average equity | $10,949,500 | 4,812 |
| Average total loans | $68,026,500 | 4,685 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1507% | 3,846 |
| Cost of funding earning assets | 1.5789% | 2,196 |
| Net interest margin | 3.5719% | 4,955 |
| Noninterest income to average assets | 0.1684% | 6,527 |
| Noninterest expense to average assets | 4.1293% | 984 |
| Loan and lease loss provision to assets | 0.8176% | 2,005 |
| Net operating income to assets | -1.6156% | 6,948 |
| Return on assets (ROA) | -1.6156% | 6,968 |
| Pretax return on assets | -1.5790% | 6,887 |
| Return on Equity (ROE) | -11.0510% | 6,774 |
| Retained earnings to average equity (ytd only) | -11.0510% | 6,715 |
| Net charge-offs to loans | 0.0172% | 6,647 |
| Credit loss provision to net charge-offs | 6,090.9091% | 26 |
| Earnings coverage of net charge-offs (x) | -56.7273% | 6,840 |
| Efficiency ratio | 122.6087% | 385 |
| Assets per employee ($millions) | 3.1593% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2948% | 1,702 |
| Loan loss allowance to noncurrent loans | 644.5833% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.3460% | 6,391 |
| Noncurrent loans to loans | 0.3560% | 6,348 |
| Net loans and leases to total assets | 71.8904% | 2,125 |
| Net loans and leases to deposits | 82.1077% | 2,781 |
| Net loans and leases to core deposits | 90.4666% | 2,699 |
| Total domestic deposits to total assets | 87.5562% | 2,513 |
| Equity capital to assets | 11.9559% | 1,944 |
| Core capital (leverage) ratio | 12.0164% | 1,540 |
| Tier 1 risk-based capital ratio | 15.2449% | 3,129 |
| Total risk-based capital ratio | 16.5052% | 3,071 |
| Memoranda: | ||
| Average total assets | $81,951,800 | 5,534 |
| Average earning assets | $73,406,800 | 5,559 |
| Average equity | $11,980,800 | 4,612 |
| Average total loans | $64,050,600 | 4,908 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1738% | 3,965 |
| Cost of funding earning assets | 1.5841% | 2,482 |
| Net interest margin | 3.5897% | 4,921 |
| Noninterest income to average assets | 0.1609% | 6,713 |
| Noninterest expense to average assets | 4.0367% | 1,009 |
| Loan and lease loss provision to assets | 0.1743% | 5,300 |
| Net operating income to assets | -0.8885% | 6,836 |
| Return on assets (ROA) | -0.8885% | 6,878 |
| Pretax return on assets | -0.8516% | 6,773 |
| Return on Equity (ROE) | -5.7745% | 6,702 |
| Retained earnings to average equity (ytd only) | -5.7745% | 6,614 |
| Net charge-offs to loans | 0.0232% | 6,350 |
| Credit loss provision to net charge-offs | 945.4545% | 307 |
| Earnings coverage of net charge-offs (x) | -36.7178% | 6,658 |
| Efficiency ratio | 120.1597% | 395 |
| Assets per employee ($millions) | 3.0332% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4990% | 3,970 |
| Loan loss allowance to noncurrent loans | 567.0520% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.2842% | 6,663 |
| Noncurrent loans to loans | 0.2644% | 6,658 |
| Net loans and leases to total assets | 73.2831% | 1,958 |
| Net loans and leases to deposits | 85.4050% | 2,452 |
| Net loans and leases to core deposits | 94.0365% | 2,523 |
| Total domestic deposits to total assets | 85.8065% | 3,182 |
| Equity capital to assets | 13.6660% | 1,288 |
| Core capital (leverage) ratio | 14.0010% | 919 |
| Tier 1 risk-based capital ratio | 16.6558% | 2,483 |
| Total risk-based capital ratio | 17.9072% | 2,444 |
| Memoranda: | ||
| Average total assets | $79,534,750 | 5,672 |
| Average earning assets | $70,868,500 | 5,705 |
| Average equity | $12,237,500 | 4,615 |
| Average total loans | $63,210,000 | 5,011 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2209% | 3,846 |
| Cost of funding earning assets | 1.6264% | 2,503 |
| Net interest margin | 3.5945% | 4,839 |
| Noninterest income to average assets | 0.1173% | 7,019 |
| Noninterest expense to average assets | 4.0352% | 1,004 |
| Loan and lease loss provision to assets | 0.2711% | 4,225 |
| Net operating income to assets | -1.0192% | 6,956 |
| Return on assets (ROA) | -1.0192% | 6,974 |
| Pretax return on assets | -0.9801% | 6,881 |
| Return on Equity (ROE) | -6.3527% | 6,790 |
| Retained earnings to average equity (ytd only) | -6.3527% | 6,681 |
| Net charge-offs to loans | 0.0352% | 5,860 |
| Credit loss provision to net charge-offs | 945.4545% | 389 |
| Earnings coverage of net charge-offs (x) | -24.7273% | 6,344 |
| Efficiency ratio | 121.3166% | 398 |
| Assets per employee ($millions) | 3.4092% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 3,861 |
| Loan loss allowance to noncurrent loans | 90.2484% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 1.4226% | 4,340 |
| Noncurrent loans to loans | 1.6747% | 4,177 |
| Net loans and leases to total assets | 78.1325% | 1,091 |
| Net loans and leases to deposits | 92.4376% | 1,464 |
| Net loans and leases to core deposits | 104.3927% | 1,603 |
| Total domestic deposits to total assets | 84.5246% | 3,856 |
| Equity capital to assets | 14.8863% | 908 |
| Core capital (leverage) ratio | 15.2493% | 678 |
| Tier 1 risk-based capital ratio | 17.4256% | 2,124 |
| Total risk-based capital ratio | 18.6768% | 2,084 |
| Memoranda: | ||
| Average total assets | $76,725,330 | 5,783 |
| Average earning assets | $68,494,000 | 5,812 |
| Average equity | $12,309,670 | 4,590 |
| Average total loans | $62,465,670 | 5,084 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2442% | 3,812 |
| Cost of funding earning assets | 1.6478% | 2,666 |
| Net interest margin | 3.5963% | 4,748 |
| Noninterest income to average assets | 0.0971% | 7,220 |
| Noninterest expense to average assets | 4.1144% | 892 |
| Loan and lease loss provision to assets | 0.3883% | 3,032 |
| Net operating income to assets | -1.2241% | 7,228 |
| Return on assets (ROA) | -1.2241% | 7,248 |
| Pretax return on assets | -1.1809% | 7,135 |
| Return on Equity (ROE) | -7.3377% | 7,022 |
| Retained earnings to average equity (ytd only) | -7.3377% | 6,775 |
| Net charge-offs to loans | 0.0718% | 4,698 |
| Credit loss provision to net charge-offs | 654.5455% | 668 |
| Earnings coverage of net charge-offs (x) | -13.3636% | 5,570 |
| Efficiency ratio | 123.8636% | 400 |
| Assets per employee ($millions) | 3.5698% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 3,925 |
| Loan loss allowance to noncurrent loans | 502.1164% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 6,632 |
| Noncurrent loans to loans | 0.2982% | 6,726 |
| Net loans and leases to total assets | 79.4856% | 911 |
| Net loans and leases to deposits | 94.7670% | 1,259 |
| Net loans and leases to core deposits | 102.9046% | 1,829 |
| Total domestic deposits to total assets | 83.8747% | 4,207 |
| Equity capital to assets | 15.6389% | 734 |
| Core capital (leverage) ratio | 16.5188% | 501 |
| Tier 1 risk-based capital ratio | 17.7821% | 1,997 |
| Total risk-based capital ratio | 19.0330% | 1,969 |
| Memoranda: | ||
| Average total assets | $74,178,000 | 5,935 |
| Average earning assets | $66,512,000 | 5,953 |
| Average equity | $12,374,500 | 4,621 |
| Average total loans | $61,244,000 | 5,199 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8477% | 6,844 |
| Cost of funding earning assets | 1.9937% | 2,989 |
| Net interest margin | 2.8540% | 6,952 |
| Noninterest income to average assets | 0.1107% | 7,210 |
| Noninterest expense to average assets | 4.7503% | 634 |
| Loan and lease loss provision to assets | 0.5517% | 3,612 |
| Net operating income to assets | -2.7348% | 7,331 |
| Return on assets (ROA) | -2.7348% | 7,342 |
| Pretax return on assets | -2.6953% | 7,207 |
| Return on Equity (ROE) | -13.0314% | 6,834 |
| Retained earnings to average equity (ytd only) | -13.0314% | 6,761 |
| Net charge-offs to loans | 0.0375% | 6,740 |
| Credit loss provision to net charge-offs | 1,938.8889% | 166 |
| Earnings coverage of net charge-offs (x) | -75.3333% | 7,221 |
| Efficiency ratio | 182.2317% | 179 |
| Assets per employee ($millions) | 3.1737% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 3,712 |
| Loan loss allowance to noncurrent loans | 2,960.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.1575% | 7,083 |
| Noncurrent loans to loans | 0.0507% | 7,303 |
| Net loans and leases to total assets | 83.3947% | 502 |
| Net loans and leases to deposits | 102.3178% | 734 |
| Net loans and leases to core deposits | 172.8368% | 217 |
| Total domestic deposits to total assets | 81.5056% | 5,153 |
| Equity capital to assets | 17.8557% | 459 |
| Core capital (leverage) ratio | 18.3464% | 379 |
| Tier 1 risk-based capital ratio | 19.9164% | 1,476 |
| Total risk-based capital ratio | 21.1679% | 1,443 |
| Memoranda: | ||
| Average total assets | $63,259,000 | 6,228 |
| Average earning assets | $55,325,000 | 6,320 |
| Average equity | $13,275,600 | 4,439 |
| Average total loans | $47,964,800 | 5,760 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5996% | 7,416 |
| Cost of funding earning assets | 2.1045% | 2,872 |
| Net interest margin | 2.4951% | 7,473 |
| Noninterest income to average assets | 0.1104% | 7,354 |
| Noninterest expense to average assets | 4.6284% | 646 |
| Loan and lease loss provision to assets | 0.5215% | 3,300 |
| Net operating income to assets | -2.9060% | 7,565 |
| Return on assets (ROA) | -2.9060% | 7,565 |
| Pretax return on assets | -2.8692% | 7,466 |
| Return on Equity (ROE) | -13.2857% | 7,091 |
| Retained earnings to average equity (ytd only) | -13.2857% | 7,025 |
| Net charge-offs to loans | 0.0266% | 6,508 |
| Credit loss provision to net charge-offs | 2,677.7778% | 150 |
| Earnings coverage of net charge-offs (x) | -120.5525% | 6,976 |
| Efficiency ratio | 202.9412% | 146 |
| Assets per employee ($millions) | 3.1284% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 3,431 |
| Loan loss allowance to noncurrent loans | 309.4118% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.5236% | 6,150 |
| Noncurrent loans to loans | 0.4851% | 6,348 |
| Net loans and leases to total assets | 78.8103% | 1,421 |
| Net loans and leases to deposits | 98.7696% | 1,236 |
| Net loans and leases to core deposits | 161.5274% | 359 |
| Total domestic deposits to total assets | 79.7921% | 5,523 |
| Equity capital to assets | 19.6036% | 367 |
| Core capital (leverage) ratio | 19.1706% | 366 |
| Tier 1 risk-based capital ratio | 22.7157% | 1,145 |
| Total risk-based capital ratio | 23.9679% | 1,118 |
| Memoranda: | ||
| Average total assets | $61,618,500 | 6,326 |
| Average earning assets | $53,597,250 | 6,439 |
| Average equity | $13,477,750 | 4,419 |
| Average total loans | $45,177,250 | 5,917 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 7,825 |
| Cost of funding earning assets | 2.1627% | 2,975 |
| Net interest margin | 2.0359% | 7,841 |
| Noninterest income to average assets | 0.0929% | 7,510 |
| Noninterest expense to average assets | 4.5304% | 755 |
| Loan and lease loss provision to assets | 0.5510% | 2,818 |
| Net operating income to assets | -3.2626% | 7,721 |
| Return on assets (ROA) | -3.2626% | 7,723 |
| Pretax return on assets | -3.2294% | 7,620 |
| Return on Equity (ROE) | -14.3742% | 7,307 |
| Retained earnings to average equity (ytd only) | -14.3742% | 7,208 |
| Net charge-offs to loans | 0.0140% | 6,347 |
| Credit loss provision to net charge-offs | 5,533.3333% | 89 |
| Earnings coverage of net charge-offs (x) | -269.0000% | 6,623 |
| Efficiency ratio | 244.6237% | 122 |
| Assets per employee ($millions) | 3.1610% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 3,240 |
| Loan loss allowance to noncurrent loans | 847.0588% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.2712% | 6,797 |
| Noncurrent loans to loans | 0.1762% | 7,076 |
| Net loans and leases to total assets | 71.5812% | 3,325 |
| Net loans and leases to deposits | 89.9722% | 2,838 |
| Net loans and leases to core deposits | 150.4750% | 640 |
| Total domestic deposits to total assets | 79.5592% | 5,619 |
| Equity capital to assets | 19.7780% | 400 |
| Core capital (leverage) ratio | 20.6379% | 332 |
| Tier 1 risk-based capital ratio | 22.4789% | 1,187 |
| Total risk-based capital ratio | 23.7008% | 1,161 |
| Memoranda: | ||
| Average total assets | $60,259,000 | 6,438 |
| Average earning assets | $52,064,670 | 6,550 |
| Average equity | $13,677,330 | 4,376 |
| Average total loans | $42,714,670 | 6,079 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9561% | 8,001 |
| Cost of funding earning assets | 2.2032% | 3,151 |
| Net interest margin | 1.7529% | 7,990 |
| Noninterest income to average assets | 0.0769% | 7,667 |
| Noninterest expense to average assets | 4.5526% | 674 |
| Loan and lease loss provision to assets | 0.5735% | 2,192 |
| Net operating income to assets | -3.5386% | 7,927 |
| Return on assets (ROA) | -3.5386% | 7,921 |
| Pretax return on assets | -3.5246% | 7,844 |
| Return on Equity (ROE) | -14.5074% | 7,586 |
| Retained earnings to average equity (ytd only) | -14.5074% | 7,411 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 284.2795% | 98 |
| Assets per employee ($millions) | 2.8769% | 6,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 3,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 7,095 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 66.3875% | 4,490 |
| Net loans and leases to deposits | 85.2742% | 3,762 |
| Net loans and leases to core deposits | 142.9038% | 970 |
| Total domestic deposits to total assets | 77.8519% | 6,064 |
| Equity capital to assets | 21.6631% | 321 |
| Core capital (leverage) ratio | 25.0214% | 230 |
| Tier 1 risk-based capital ratio | 25.4884% | 933 |
| Total risk-based capital ratio | 26.6763% | 913 |
| Memoranda: | ||
| Average total assets | $57,197,500 | 6,573 |
| Average earning assets | $49,746,500 | 6,671 |
| Average equity | $13,951,500 | 4,345 |
| Average total loans | $39,953,500 | 6,242 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 7,993 |
| Cost of funding earning assets | 1.0828% | 8,018 |
| Net interest margin | 3.5573% | 5,069 |
| Noninterest income to average assets | 0.0410% | 7,930 |
| Noninterest expense to average assets | 9.3480% | 161 |
| Loan and lease loss provision to assets | 1.6317% | 796 |
| Net operating income to assets | -7.7690% | 8,217 |
| Return on assets (ROA) | -7.7690% | 8,213 |
| Pretax return on assets | -7.7338% | 8,192 |
| Return on Equity (ROE) | -17.4672% | 7,686 |
| Retained earnings to average equity (ytd only) | -17.4672% | 7,592 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 287.9964% | 114 |
| Assets per employee ($millions) | 2.3229% | 7,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 2,723 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.8020% | 3,628 |
| Net loans and leases to deposits | 102.9112% | 1,482 |
| Net loans and leases to core deposits | 170.4273% | 388 |
| Total domestic deposits to total assets | 69.7709% | 7,301 |
| Equity capital to assets | 27.7714% | 200 |
| Core capital (leverage) ratio | 33.0139% | 155 |
| Tier 1 risk-based capital ratio | 32.1566% | 542 |
| Total risk-based capital ratio | 33.4051% | 528 |
| Memoranda: | ||
| Average total assets | $34,135,750 | 7,454 |
| Average earning assets | $30,753,500 | 7,475 |
| Average equity | $15,182,750 | 4,104 |
| Average total loans | $22,545,000 | 7,163 |