Home > Commercial Bank of Oak Grove, Mo. > Performance and Condition Ratios
Commercial Bank of Oak Grove, Mo., Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1780% | 3,855 |
| Cost of funding earning assets | 0.7217% | 530 |
| Net interest margin | 2.4563% | 4,319 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.5544% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7785% | 3,402 |
| Return on assets (ROA) | 0.7785% | 3,335 |
| Pretax return on assets | 0.9767% | 3,141 |
| Return on Equity (ROE) | 7.0100% | 3,637 |
| Retained earnings to average equity (ytd only) | 1.4287% | 4,118 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.4132% | 2,853 |
| Assets per employee ($millions) | 9.4731% | 789 |
| Cash dividends to net income (ytd only)* | 79.6171% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6251% | 928 |
| Loan loss allowance to noncurrent loans | 228.4753% | 2,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3923% | 1,302 |
| Noncurrent loans to loans | 0.7113% | 1,053 |
| Net loans and leases to total assets | 54.2600% | 3,179 |
| Net loans and leases to deposits | 61.4734% | 3,236 |
| Net loans and leases to core deposits | 65.8050% | 3,142 |
| Total domestic deposits to total assets | 88.2700% | 1,983 |
| Equity capital to assets | 11.1799% | 1,190 |
| Core capital (leverage) ratio | 11.7460% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $114,061,400 | 3,787 |
| Average earning assets | $111,264,000 | 3,710 |
| Average equity | $12,668,600 | 3,605 |
| Average total loans | $57,909,400 | 3,771 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9668% | 3,949 |
| Cost of funding earning assets | 0.5092% | 727 |
| Net interest margin | 2.4576% | 4,256 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.5510% | 4,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7942% | 3,288 |
| Return on assets (ROA) | 0.7942% | 3,240 |
| Pretax return on assets | 0.9974% | 3,018 |
| Return on Equity (ROE) | 7.1600% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.4554% | 3,306 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.8616% | 3,002 |
| Assets per employee ($millions) | 9.2856% | 806 |
| Cash dividends to net income (ytd only)* | 37.7941% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 1,082 |
| Loan loss allowance to noncurrent loans | 207.5356% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 1,230 |
| Noncurrent loans to loans | 0.7666% | 1,059 |
| Net loans and leases to total assets | 56.5700% | 2,846 |
| Net loans and leases to deposits | 63.9831% | 2,866 |
| Net loans and leases to core deposits | 65.6019% | 2,978 |
| Total domestic deposits to total assets | 88.4100% | 2,305 |
| Equity capital to assets | 11.5125% | 1,007 |
| Core capital (leverage) ratio | 11.7751% | 1,320 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $114,157,500 | 3,809 |
| Average earning assets | $111,814,250 | 3,732 |
| Average equity | $12,658,500 | 3,644 |
| Average total loans | $56,711,250 | 3,809 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7257% | 4,103 |
| Cost of funding earning assets | 0.4333% | 752 |
| Net interest margin | 2.2924% | 4,340 |
| Noninterest income to average assets | 0.1495% | 4,266 |
| Noninterest expense to average assets | 1.5400% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6813% | 3,374 |
| Return on assets (ROA) | 0.6813% | 3,329 |
| Pretax return on assets | 0.8534% | 3,192 |
| Return on Equity (ROE) | 6.2212% | 3,524 |
| Retained earnings to average equity (ytd only) | 2.1425% | 3,714 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3428% | 2,727 |
| Assets per employee ($millions) | 9.7176% | 719 |
| Cash dividends to net income (ytd only)* | 65.5612% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8355% | 762 |
| Loan loss allowance to noncurrent loans | 327.6527% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 1,978 |
| Noncurrent loans to loans | 0.5602% | 1,497 |
| Net loans and leases to total assets | 46.7340% | 3,662 |
| Net loans and leases to deposits | 52.4332% | 3,653 |
| Net loans and leases to core deposits | 54.1531% | 3,686 |
| Total domestic deposits to total assets | 89.1305% | 2,118 |
| Equity capital to assets | 10.8017% | 1,306 |
| Core capital (leverage) ratio | 11.4054% | 1,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,067,667 | 3,843 |
| Average earning assets | $112,632,000 | 3,777 |
| Average equity | $12,602,000 | 3,722 |
| Average total loans | $54,265,000 | 3,885 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5464% | 4,203 |
| Cost of funding earning assets | 0.4369% | 696 |
| Net interest margin | 2.1095% | 4,437 |
| Noninterest income to average assets | 0.0805% | 4,575 |
| Noninterest expense to average assets | 1.5364% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4830% | 3,752 |
| Return on assets (ROA) | 0.4830% | 3,718 |
| Pretax return on assets | 0.6054% | 3,620 |
| Return on Equity (ROE) | 4.3792% | 3,785 |
| Retained earnings to average equity (ytd only) | -3.7763% | 4,358 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7320% | 2,012 |
| Assets per employee ($millions) | 8.8354% | 978 |
| Cash dividends to net income (ytd only)* | 186.2319% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9130% | 723 |
| Loan loss allowance to noncurrent loans | 362.6335% | 1,850 |
| Noncurrent assets plus other real estate owned to assets | 0.2446% | 2,174 |
| Noncurrent loans to loans | 0.5275% | 1,713 |
| Net loans and leases to total assets | 45.4884% | 3,624 |
| Net loans and leases to deposits | 51.0434% | 3,643 |
| Net loans and leases to core deposits | 52.2109% | 3,715 |
| Total domestic deposits to total assets | 89.1172% | 2,025 |
| Equity capital to assets | 10.8132% | 1,431 |
| Core capital (leverage) ratio | 11.0426% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,296,000 | 3,870 |
| Average earning assets | $111,686,000 | 3,802 |
| Average equity | $12,605,000 | 3,799 |
| Average total loans | $53,639,500 | 3,908 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9691% | 3,923 |
| Cost of funding earning assets | 0.5432% | 740 |
| Net interest margin | 2.4259% | 4,288 |
| Noninterest income to average assets | 0.2648% | 3,795 |
| Noninterest expense to average assets | 2.0229% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5012% | 4,081 |
| Return on assets (ROA) | 0.5012% | 4,125 |
| Pretax return on assets | 0.6068% | 4,097 |
| Return on Equity (ROE) | 4.2045% | 4,173 |
| Retained earnings to average equity (ytd only) | 1.4621% | 4,131 |
| Net charge-offs to loans | 0.1377% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 8.3636% | 2,301 |
| Efficiency ratio | 76.9258% | 1,032 |
| Assets per employee ($millions) | 8.1237% | 1,266 |
| Cash dividends to net income (ytd only)* | 65.2256% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 745 |
| Loan loss allowance to noncurrent loans | 288.6686% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3499% | 1,825 |
| Noncurrent loans to loans | 0.6536% | 1,528 |
| Net loans and leases to total assets | 46.5946% | 3,648 |
| Net loans and leases to deposits | 52.5735% | 3,699 |
| Net loans and leases to core deposits | 54.0298% | 3,751 |
| Total domestic deposits to total assets | 88.6277% | 1,714 |
| Equity capital to assets | 11.2457% | 1,636 |
| Core capital (leverage) ratio | 11.7525% | 1,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,134,800 | 3,929 |
| Average earning assets | $103,465,800 | 3,871 |
| Average equity | $12,653,200 | 3,862 |
| Average total loans | $55,908,600 | 3,895 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0645% | 3,882 |
| Cost of funding earning assets | 0.5745% | 724 |
| Net interest margin | 2.4900% | 4,294 |
| Noninterest income to average assets | 0.1126% | 4,614 |
| Noninterest expense to average assets | 2.0197% | 3,609 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4362% | 4,319 |
| Return on assets (ROA) | 0.4362% | 4,351 |
| Pretax return on assets | 0.5155% | 4,348 |
| Return on Equity (ROE) | 3.6029% | 4,368 |
| Retained earnings to average equity (ytd only) | -0.0634% | 4,570 |
| Net charge-offs to loans | 0.1821% | 473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.2338% | 2,230 |
| Efficiency ratio | 79.6670% | 767 |
| Assets per employee ($millions) | 7.6717% | 1,462 |
| Cash dividends to net income (ytd only)* | 101.7595% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 834 |
| Loan loss allowance to noncurrent loans | 236.1111% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.5754% | 1,338 |
| Noncurrent loans to loans | 0.7853% | 1,439 |
| Net loans and leases to total assets | 50.2672% | 3,382 |
| Net loans and leases to deposits | 57.0889% | 3,483 |
| Net loans and leases to core deposits | 58.7719% | 3,566 |
| Total domestic deposits to total assets | 88.0507% | 1,813 |
| Equity capital to assets | 11.7845% | 1,495 |
| Core capital (leverage) ratio | 11.9425% | 1,190 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,235,500 | 4,006 |
| Average earning assets | $101,417,750 | 3,939 |
| Average equity | $12,619,000 | 3,921 |
| Average total loans | $56,382,750 | 3,937 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1752% | 3,717 |
| Cost of funding earning assets | 0.6179% | 677 |
| Net interest margin | 2.5573% | 4,241 |
| Noninterest income to average assets | 0.1066% | 4,669 |
| Noninterest expense to average assets | 1.9267% | 3,902 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5660% | 4,059 |
| Return on assets (ROA) | 0.5660% | 4,109 |
| Pretax return on assets | 0.6668% | 4,134 |
| Return on Equity (ROE) | 4.6326% | 4,205 |
| Retained earnings to average equity (ytd only) | -0.8726% | 4,596 |
| Net charge-offs to loans | 0.2569% | 347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 4.7123% | 2,022 |
| Efficiency ratio | 74.2900% | 1,225 |
| Assets per employee ($millions) | 6.9323% | 1,860 |
| Cash dividends to net income (ytd only)* | 118.8356% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7914% | 897 |
| Loan loss allowance to noncurrent loans | 165.2666% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 1,126 |
| Noncurrent loans to loans | 1.0839% | 1,121 |
| Net loans and leases to total assets | 53.9347% | 3,137 |
| Net loans and leases to deposits | 61.4842% | 3,255 |
| Net loans and leases to core deposits | 63.3567% | 3,347 |
| Total domestic deposits to total assets | 87.7213% | 1,971 |
| Equity capital to assets | 12.1258% | 1,307 |
| Core capital (leverage) ratio | 11.8948% | 1,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $103,179,333 | 4,035 |
| Average earning assets | $100,340,333 | 3,972 |
| Average equity | $12,606,333 | 3,933 |
| Average total loans | $56,840,667 | 3,957 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2265% | 3,631 |
| Cost of funding earning assets | 0.6501% | 695 |
| Net interest margin | 2.5764% | 4,193 |
| Noninterest income to average assets | 0.1129% | 4,631 |
| Noninterest expense to average assets | 1.7397% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7628% | 3,540 |
| Return on assets (ROA) | 0.7628% | 3,609 |
| Pretax return on assets | 0.8718% | 3,667 |
| Return on Equity (ROE) | 6.2198% | 3,797 |
| Retained earnings to average equity (ytd only) | -4.7917% | 4,690 |
| Net charge-offs to loans | 0.5149% | 160 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 3.0685% | 1,785 |
| Efficiency ratio | 66.6170% | 2,145 |
| Assets per employee ($millions) | 7.5049% | 1,451 |
| Cash dividends to net income (ytd only)* | 177.0408% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7413% | 962 |
| Loan loss allowance to noncurrent loans | 304.4643% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 0.5787% | 1,644 |
| Noncurrent loans to loans | 0.5719% | 2,141 |
| Net loans and leases to total assets | 54.9420% | 3,148 |
| Net loans and leases to deposits | 62.5245% | 3,272 |
| Net loans and leases to core deposits | 64.5803% | 3,361 |
| Total domestic deposits to total assets | 87.8727% | 1,906 |
| Equity capital to assets | 11.9188% | 1,327 |
| Core capital (leverage) ratio | 12.0540% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,776,500 | 4,039 |
| Average earning assets | $99,675,500 | 3,981 |
| Average equity | $12,605,000 | 3,942 |
| Average total loans | $56,707,500 | 3,976 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7199% | 3,526 |
| Cost of funding earning assets | 0.8161% | 1,142 |
| Net interest margin | 2.9038% | 4,098 |
| Noninterest income to average assets | 0.2174% | 4,192 |
| Noninterest expense to average assets | 2.0734% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7699% | 3,202 |
| Return on assets (ROA) | 0.7699% | 3,324 |
| Pretax return on assets | 0.9663% | 3,152 |
| Return on Equity (ROE) | 5.5949% | 3,707 |
| Retained earnings to average equity (ytd only) | 3.3859% | 3,128 |
| Net charge-offs to loans | 0.0830% | 1,637 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 18.9348% | 2,002 |
| Efficiency ratio | 68.2117% | 2,206 |
| Assets per employee ($millions) | 6.6989% | 1,784 |
| Cash dividends to net income (ytd only)* | 39.4813% | 2,385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0049% | 581 |
| Loan loss allowance to noncurrent loans | 198.9111% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.8210% | 1,243 |
| Noncurrent loans to loans | 1.0080% | 1,408 |
| Net loans and leases to total assets | 53.3110% | 3,547 |
| Net loans and leases to deposits | 61.1567% | 3,665 |
| Net loans and leases to core deposits | 63.5321% | 3,726 |
| Total domestic deposits to total assets | 87.1711% | 1,856 |
| Equity capital to assets | 12.6259% | 1,264 |
| Core capital (leverage) ratio | 13.2059% | 845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,140,400 | 4,119 |
| Average earning assets | $87,610,600 | 4,058 |
| Average equity | $12,404,200 | 3,936 |
| Average total loans | $55,401,800 | 3,991 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 3,683 |
| Cost of funding earning assets | 0.8558% | 1,227 |
| Net interest margin | 2.8937% | 4,192 |
| Noninterest income to average assets | 0.2117% | 4,210 |
| Noninterest expense to average assets | 2.1030% | 3,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.7477% | 3,294 |
| Return on assets (ROA) | 0.7477% | 3,397 |
| Pretax return on assets | 0.9304% | 3,293 |
| Return on Equity (ROE) | 5.3079% | 3,789 |
| Retained earnings to average equity (ytd only) | 2.3350% | 3,807 |
| Net charge-offs to loans | 0.0072% | 2,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 203.6667% | 487 |
| Efficiency ratio | 69.3273% | 1,989 |
| Assets per employee ($millions) | 6.3785% | 1,929 |
| Cash dividends to net income (ytd only)* | 56.0081% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9863% | 505 |
| Loan loss allowance to noncurrent loans | 134.9526% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8821% | 1,310 |
| Noncurrent loans to loans | 1.4718% | 980 |
| Net loans and leases to total assets | 58.7439% | 3,346 |
| Net loans and leases to deposits | 67.7920% | 3,484 |
| Net loans and leases to core deposits | 69.3897% | 3,670 |
| Total domestic deposits to total assets | 86.6531% | 1,796 |
| Equity capital to assets | 13.0699% | 1,152 |
| Core capital (leverage) ratio | 13.2804% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,554,500 | 4,153 |
| Average earning assets | $85,379,250 | 4,094 |
| Average equity | $12,333,500 | 3,945 |
| Average total loans | $55,586,000 | 4,011 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9626% | 3,425 |
| Cost of funding earning assets | 0.9059% | 1,351 |
| Net interest margin | 3.0567% | 3,997 |
| Noninterest income to average assets | 0.2522% | 3,965 |
| Noninterest expense to average assets | 2.1780% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8250% | 2,961 |
| Return on assets (ROA) | 0.8250% | 3,074 |
| Pretax return on assets | 1.0490% | 2,876 |
| Return on Equity (ROE) | 5.7020% | 3,604 |
| Retained earnings to average equity (ytd only) | 1.2219% | 4,034 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4945% | 2,306 |
| Assets per employee ($millions) | 6.0279% | 2,158 |
| Cash dividends to net income (ytd only)* | 78.5714% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0865% | 386 |
| Loan loss allowance to noncurrent loans | 253.7778% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 2,037 |
| Noncurrent loans to loans | 0.8222% | 1,854 |
| Net loans and leases to total assets | 59.2714% | 3,402 |
| Net loans and leases to deposits | 68.8843% | 3,498 |
| Net loans and leases to core deposits | 70.0476% | 3,701 |
| Total domestic deposits to total assets | 86.0448% | 1,988 |
| Equity capital to assets | 13.6931% | 930 |
| Core capital (leverage) ratio | 14.6962% | 621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,846,667 | 4,199 |
| Average earning assets | $82,573,000 | 4,131 |
| Average equity | $12,276,333 | 3,951 |
| Average total loans | $55,000,000 | 4,033 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 3,277 |
| Cost of funding earning assets | 1.0093% | 1,379 |
| Net interest margin | 3.1735% | 3,922 |
| Noninterest income to average assets | 0.1267% | 4,731 |
| Noninterest expense to average assets | 2.3300% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6775% | 3,341 |
| Return on assets (ROA) | 0.6775% | 3,410 |
| Pretax return on assets | 0.8774% | 3,199 |
| Return on Equity (ROE) | 4.5484% | 3,803 |
| Retained earnings to average equity (ytd only) | -4.4503% | 4,475 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6444% | 1,980 |
| Assets per employee ($millions) | 5.4355% | 2,190 |
| Cash dividends to net income (ytd only)* | 197.8417% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0521% | 470 |
| Loan loss allowance to noncurrent loans | 247.1861% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 1,650 |
| Noncurrent loans to loans | 0.8302% | 1,947 |
| Net loans and leases to total assets | 66.8560% | 2,714 |
| Net loans and leases to deposits | 78.8363% | 2,793 |
| Net loans and leases to core deposits | 80.3340% | 3,167 |
| Total domestic deposits to total assets | 84.8035% | 2,489 |
| Equity capital to assets | 14.9708% | 767 |
| Core capital (leverage) ratio | 14.6758% | 750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,061,000 | 4,239 |
| Average earning assets | $79,659,000 | 4,176 |
| Average equity | $12,224,000 | 3,969 |
| Average total loans | $55,133,000 | 4,049 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,940 |
| Cost of funding earning assets | 1.1599% | 1,127 |
| Net interest margin | 2.9848% | 4,536 |
| Noninterest income to average assets | 0.4760% | 2,873 |
| Noninterest expense to average assets | 2.4752% | 3,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7271% | 3,775 |
| Return on assets (ROA) | 0.7281% | 3,843 |
| Pretax return on assets | 0.8890% | 3,773 |
| Return on Equity (ROE) | 4.7590% | 4,279 |
| Retained earnings to average equity (ytd only) | 3.5735% | 3,216 |
| Net charge-offs to loans | -0.0020% | 4,224 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6037% | 1,654 |
| Assets per employee ($millions) | 5.5060% | 2,051 |
| Cash dividends to net income (ytd only)* | 24.9117% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0910% | 396 |
| Loan loss allowance to noncurrent loans | 180.1262% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9602% | 1,316 |
| Noncurrent loans to loans | 1.1609% | 1,305 |
| Net loans and leases to total assets | 64.7451% | 3,103 |
| Net loans and leases to deposits | 76.2267% | 3,156 |
| Net loans and leases to core deposits | 77.9240% | 3,453 |
| Total domestic deposits to total assets | 84.9376% | 2,516 |
| Equity capital to assets | 14.8226% | 838 |
| Core capital (leverage) ratio | 15.5781% | 580 |
| Tier 1 risk-based capital ratio | 26.3034% | 658 |
| Total risk-based capital ratio | 27.5686% | 644 |
| Memoranda: | ||
| Average total assets | $77,732,000 | 4,324 |
| Average earning assets | $75,180,600 | 4,266 |
| Average equity | $11,893,200 | 4,009 |
| Average total loans | $50,158,000 | 4,180 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 4,071 |
| Cost of funding earning assets | 1.2063% | 1,022 |
| Net interest margin | 2.9301% | 4,727 |
| Noninterest income to average assets | 0.5977% | 2,213 |
| Noninterest expense to average assets | 2.4883% | 3,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7757% | 3,753 |
| Return on assets (ROA) | 0.7771% | 3,817 |
| Pretax return on assets | 0.9427% | 3,758 |
| Return on Equity (ROE) | 5.0368% | 4,318 |
| Retained earnings to average equity (ytd only) | 3.4445% | 3,690 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5610% | 1,751 |
| Assets per employee ($millions) | 4.8563% | 2,725 |
| Cash dividends to net income (ytd only)* | 31.6152% | 2,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 354 |
| Loan loss allowance to noncurrent loans | 153.9811% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1596% | 1,109 |
| Noncurrent loans to loans | 1.4006% | 1,090 |
| Net loans and leases to total assets | 66.6195% | 2,973 |
| Net loans and leases to deposits | 79.2820% | 2,976 |
| Net loans and leases to core deposits | 81.1781% | 3,300 |
| Total domestic deposits to total assets | 84.0285% | 2,813 |
| Equity capital to assets | 15.6124% | 711 |
| Core capital (leverage) ratio | 15.7459% | 592 |
| Tier 1 risk-based capital ratio | 27.0768% | 635 |
| Total risk-based capital ratio | 28.3430% | 618 |
| Memoranda: | ||
| Average total assets | $76,517,500 | 4,394 |
| Average earning assets | $73,943,500 | 4,338 |
| Average equity | $11,806,000 | 4,060 |
| Average total loans | $49,043,750 | 4,253 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0274% | 4,321 |
| Cost of funding earning assets | 1.2300% | 919 |
| Net interest margin | 2.7974% | 4,934 |
| Noninterest income to average assets | 0.1839% | 4,647 |
| Noninterest expense to average assets | 2.4881% | 3,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3599% | 4,787 |
| Return on assets (ROA) | 0.3599% | 4,805 |
| Pretax return on assets | 0.3967% | 4,835 |
| Return on Equity (ROE) | 2.3423% | 4,900 |
| Retained earnings to average equity (ytd only) | -0.0684% | 4,696 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2477% | 534 |
| Assets per employee ($millions) | 4.8333% | 2,694 |
| Cash dividends to net income (ytd only)* | 102.9197% | 379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2523% | 313 |
| Loan loss allowance to noncurrent loans | 184.0323% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 1.2595% | 1,038 |
| Noncurrent loans to loans | 1.2239% | 1,301 |
| Net loans and leases to total assets | 64.0330% | 3,337 |
| Net loans and leases to deposits | 75.7735% | 3,354 |
| Net loans and leases to core deposits | 77.2608% | 3,627 |
| Total domestic deposits to total assets | 84.5058% | 2,682 |
| Equity capital to assets | 15.2447% | 755 |
| Core capital (leverage) ratio | 15.5616% | 611 |
| Tier 1 risk-based capital ratio | 27.0362% | 619 |
| Total risk-based capital ratio | 28.3037% | 602 |
| Memoranda: | ||
| Average total assets | $76,123,000 | 4,434 |
| Average earning assets | $73,497,330 | 4,382 |
| Average equity | $11,697,670 | 4,087 |
| Average total loans | $47,756,670 | 4,307 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 4,524 |
| Cost of funding earning assets | 1.2528% | 763 |
| Net interest margin | 2.6642% | 5,093 |
| Noninterest income to average assets | 0.1801% | 4,670 |
| Noninterest expense to average assets | 2.4312% | 3,677 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3443% | 4,848 |
| Return on assets (ROA) | 0.3443% | 4,854 |
| Pretax return on assets | 0.3284% | 4,926 |
| Return on Equity (ROE) | 2.2314% | 4,936 |
| Retained earnings to average equity (ytd only) | -2.6090% | 4,790 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0998% | 477 |
| Assets per employee ($millions) | 4.7644% | 2,831 |
| Cash dividends to net income (ytd only)* | 216.9231% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4980% | 248 |
| Loan loss allowance to noncurrent loans | 259.3182% | 1,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1977% | 1,122 |
| Noncurrent loans to loans | 0.9633% | 1,728 |
| Net loans and leases to total assets | 58.4232% | 3,837 |
| Net loans and leases to deposits | 69.1263% | 3,836 |
| Net loans and leases to core deposits | 70.4996% | 4,057 |
| Total domestic deposits to total assets | 84.5166% | 2,844 |
| Equity capital to assets | 15.2801% | 692 |
| Core capital (leverage) ratio | 15.5389% | 590 |
| Tier 1 risk-based capital ratio | 30.0571% | 476 |
| Total risk-based capital ratio | 31.3288% | 462 |
| Memoranda: | ||
| Average total assets | $75,518,500 | 4,493 |
| Average earning assets | $73,117,000 | 4,430 |
| Average equity | $11,652,000 | 4,107 |
| Average total loans | $46,305,500 | 4,379 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8072% | 4,475 |
| Cost of funding earning assets | 0.5362% | 3,136 |
| Net interest margin | 3.2710% | 4,336 |
| Noninterest income to average assets | 0.1497% | 4,961 |
| Noninterest expense to average assets | 2.8490% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.3755% | 4,898 |
| Return on assets (ROA) | 0.3981% | 4,864 |
| Pretax return on assets | 0.4984% | 4,800 |
| Return on Equity (ROE) | 2.4378% | 4,986 |
| Retained earnings to average equity (ytd only) | 1.2708% | 4,625 |
| Net charge-offs to loans | 1.3290% | 90 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 0.5812% | 3,687 |
| Efficiency ratio | 85.8358% | 535 |
| Assets per employee ($millions) | 4.6754% | 2,916 |
| Cash dividends to net income (ytd only)* | 47.8723% | 2,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4311% | 245 |
| Loan loss allowance to noncurrent loans | 260.5023% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 1.2205% | 1,068 |
| Noncurrent loans to loans | 0.9332% | 1,724 |
| Net loans and leases to total assets | 61.2149% | 3,647 |
| Net loans and leases to deposits | 72.6965% | 3,609 |
| Net loans and leases to core deposits | 73.3756% | 3,898 |
| Total domestic deposits to total assets | 84.2060% | 2,935 |
| Equity capital to assets | 15.5814% | 602 |
| Core capital (leverage) ratio | 16.6538% | 443 |
| Tier 1 risk-based capital ratio | 28.9958% | 512 |
| Total risk-based capital ratio | 30.2639% | 502 |
| Memoranda: | ||
| Average total assets | $70,831,400 | 4,567 |
| Average earning assets | $68,633,400 | 4,518 |
| Average equity | $11,567,600 | 4,080 |
| Average total loans | $43,114,400 | 4,471 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,476 |
| Cost of funding earning assets | 0.3485% | 4,189 |
| Net interest margin | 3.4336% | 3,913 |
| Noninterest income to average assets | 0.1355% | 5,091 |
| Noninterest expense to average assets | 2.7625% | 2,765 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5540% | 4,637 |
| Return on assets (ROA) | 0.5842% | 4,554 |
| Pretax return on assets | 0.7407% | 4,442 |
| Return on Equity (ROE) | 3.5338% | 4,916 |
| Retained earnings to average equity (ytd only) | 1.9747% | 4,589 |
| Net charge-offs to loans | 1.7995% | 59 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.6467% | 3,397 |
| Efficiency ratio | 79.7245% | 969 |
| Assets per employee ($millions) | 4.6369% | 2,937 |
| Cash dividends to net income (ytd only)* | 44.1187% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5848% | 213 |
| Loan loss allowance to noncurrent loans | 393.4708% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 1,571 |
| Noncurrent loans to loans | 0.6569% | 2,439 |
| Net loans and leases to total assets | 62.0410% | 3,651 |
| Net loans and leases to deposits | 74.6897% | 3,533 |
| Net loans and leases to core deposits | 75.1188% | 3,869 |
| Total domestic deposits to total assets | 83.0650% | 3,287 |
| Equity capital to assets | 16.6978% | 444 |
| Core capital (leverage) ratio | 17.1672% | 401 |
| Tier 1 risk-based capital ratio | 31.6796% | 406 |
| Total risk-based capital ratio | 32.9527% | 404 |
| Memoranda: | ||
| Average total assets | $69,837,500 | 4,628 |
| Average earning assets | $67,721,000 | 4,576 |
| Average equity | $11,545,500 | 4,121 |
| Average total loans | $42,159,500 | 4,539 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 4,717 |
| Cost of funding earning assets | 0.2976% | 4,432 |
| Net interest margin | 3.3324% | 4,152 |
| Noninterest income to average assets | 0.0915% | 5,290 |
| Noninterest expense to average assets | 2.6597% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5319% | 4,677 |
| Return on assets (ROA) | 0.5777% | 4,567 |
| Pretax return on assets | 0.7236% | 4,450 |
| Return on Equity (ROE) | 3.5061% | 4,927 |
| Retained earnings to average equity (ytd only) | 1.1629% | 4,720 |
| Net charge-offs to loans | 2.7457% | 35 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 0.4095% | 3,125 |
| Efficiency ratio | 79.9656% | 1,022 |
| Assets per employee ($millions) | 4.3127% | 3,407 |
| Cash dividends to net income (ytd only)* | 66.8317% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6277% | 214 |
| Loan loss allowance to noncurrent loans | 192.4370% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3840% | 1,009 |
| Noncurrent loans to loans | 1.3655% | 1,241 |
| Net loans and leases to total assets | 61.4901% | 3,659 |
| Net loans and leases to deposits | 74.0114% | 3,530 |
| Net loans and leases to core deposits | 74.0114% | 3,876 |
| Total domestic deposits to total assets | 83.0819% | 3,390 |
| Equity capital to assets | 16.7500% | 425 |
| Core capital (leverage) ratio | 16.9832% | 397 |
| Tier 1 risk-based capital ratio | 32.1662% | 405 |
| Total risk-based capital ratio | 33.4429% | 400 |
| Memoranda: | ||
| Average total assets | $69,932,000 | 4,684 |
| Average earning assets | $67,878,670 | 4,625 |
| Average equity | $11,522,670 | 4,154 |
| Average total loans | $41,447,000 | 4,599 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4452% | 4,960 |
| Cost of funding earning assets | 0.2632% | 4,630 |
| Net interest margin | 3.1820% | 4,525 |
| Noninterest income to average assets | 0.1307% | 5,210 |
| Noninterest expense to average assets | 2.5342% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5568% | 4,555 |
| Return on assets (ROA) | 0.5568% | 4,557 |
| Pretax return on assets | 0.6875% | 4,475 |
| Return on Equity (ROE) | 3.4072% | 4,920 |
| Retained earnings to average equity (ytd only) | -1.2864% | 4,940 |
| Net charge-offs to loans | -0.3764% | 5,475 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6596% | 1,300 |
| Assets per employee ($millions) | 4.1099% | 3,788 |
| Cash dividends to net income (ytd only)* | 137.7551% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3517% | 49 |
| Loan loss allowance to noncurrent loans | 108.4158% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 2.5777% | 351 |
| Noncurrent loans to loans | 4.0139% | 249 |
| Net loans and leases to total assets | 55.1154% | 4,197 |
| Net loans and leases to deposits | 66.1638% | 4,078 |
| Net loans and leases to core deposits | 66.1638% | 4,296 |
| Total domestic deposits to total assets | 83.3014% | 3,581 |
| Equity capital to assets | 16.4238% | 448 |
| Core capital (leverage) ratio | 16.4688% | 437 |
| Tier 1 risk-based capital ratio | 35.5046% | 317 |
| Total risk-based capital ratio | 36.8044% | 316 |
| Memoranda: | ||
| Average total assets | $70,396,500 | 4,735 |
| Average earning assets | $68,385,000 | 4,671 |
| Average equity | $11,505,000 | 4,194 |
| Average total loans | $40,383,000 | 4,680 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 4,785 |
| Cost of funding earning assets | 0.2077% | 4,885 |
| Net interest margin | 3.2944% | 4,178 |
| Noninterest income to average assets | 1.0303% | 962 |
| Noninterest expense to average assets | 2.8369% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3686% | 4,789 |
| Return on assets (ROA) | 0.3704% | 4,800 |
| Pretax return on assets | 1.3482% | 2,178 |
| Return on Equity (ROE) | 2.2337% | 5,013 |
| Retained earnings to average equity (ytd only) | 2.2337% | 3,983 |
| Net charge-offs to loans | 0.0371% | 3,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 59.2500% | 964 |
| Efficiency ratio | 67.8317% | 2,923 |
| Assets per employee ($millions) | 3.9403% | 4,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2315% | 49 |
| Loan loss allowance to noncurrent loans | 112.3198% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 2.4124% | 401 |
| Noncurrent loans to loans | 3.7673% | 259 |
| Net loans and leases to total assets | 54.6944% | 4,298 |
| Net loans and leases to deposits | 65.6468% | 4,214 |
| Net loans and leases to core deposits | 65.6468% | 4,431 |
| Total domestic deposits to total assets | 83.3162% | 3,459 |
| Equity capital to assets | 16.2637% | 483 |
| Core capital (leverage) ratio | 16.8573% | 379 |
| Tier 1 risk-based capital ratio | 34.3909% | 336 |
| Total risk-based capital ratio | 35.6889% | 325 |
| Memoranda: | ||
| Average total assets | $70,463,800 | 4,769 |
| Average earning assets | $67,418,200 | 4,716 |
| Average equity | $11,684,800 | 4,188 |
| Average total loans | $43,109,800 | 4,638 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 4,715 |
| Cost of funding earning assets | 0.2048% | 4,938 |
| Net interest margin | 3.3362% | 4,058 |
| Noninterest income to average assets | 1.3627% | 565 |
| Noninterest expense to average assets | 2.8467% | 2,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1365% | 1,926 |
| Return on assets (ROA) | 1.1391% | 1,973 |
| Pretax return on assets | 1.7001% | 1,125 |
| Return on Equity (ROE) | 6.8358% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.8358% | 1,778 |
| Net charge-offs to loans | 0.0366% | 2,706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 74.5813% | 858 |
| Efficiency ratio | 62.6617% | 3,781 |
| Assets per employee ($millions) | 3.9111% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9379% | 71 |
| Loan loss allowance to noncurrent loans | 143.0475% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 2.0327% | 628 |
| Noncurrent loans to loans | 2.7529% | 508 |
| Net loans and leases to total assets | 59.5298% | 3,918 |
| Net loans and leases to deposits | 71.8604% | 3,788 |
| Net loans and leases to core deposits | 71.8604% | 4,143 |
| Total domestic deposits to total assets | 82.8409% | 3,511 |
| Equity capital to assets | 16.7045% | 455 |
| Core capital (leverage) ratio | 17.1990% | 366 |
| Tier 1 risk-based capital ratio | 32.2538% | 409 |
| Total risk-based capital ratio | 33.5470% | 396 |
| Memoranda: | ||
| Average total assets | $70,348,500 | 4,822 |
| Average earning assets | $67,061,250 | 4,772 |
| Average equity | $11,722,250 | 4,227 |
| Average total loans | $43,760,750 | 4,665 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4973% | 4,773 |
| Cost of funding earning assets | 0.1980% | 5,004 |
| Net interest margin | 3.2994% | 4,107 |
| Noninterest income to average assets | 2.0873% | 296 |
| Noninterest expense to average assets | 2.9233% | 2,351 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5261% | 823 |
| Return on assets (ROA) | 1.5299% | 835 |
| Pretax return on assets | 2.2977% | 298 |
| Return on Equity (ROE) | 9.1890% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.1890% | 784 |
| Net charge-offs to loans | -0.1507% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0523% | 4,824 |
| Assets per employee ($millions) | 3.6354% | 4,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0553% | 64 |
| Loan loss allowance to noncurrent loans | 534.5455% | 969 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 1,481 |
| Noncurrent loans to loans | 0.7586% | 2,496 |
| Net loans and leases to total assets | 60.4225% | 3,806 |
| Net loans and leases to deposits | 73.3918% | 3,607 |
| Net loans and leases to core deposits | 73.3918% | 3,991 |
| Total domestic deposits to total assets | 82.3286% | 3,795 |
| Equity capital to assets | 17.2458% | 387 |
| Core capital (leverage) ratio | 17.1557% | 359 |
| Tier 1 risk-based capital ratio | 32.8237% | 376 |
| Total risk-based capital ratio | 34.1184% | 367 |
| Memoranda: | ||
| Average total assets | $70,331,330 | 4,858 |
| Average earning assets | $66,679,670 | 4,812 |
| Average equity | $11,709,670 | 4,238 |
| Average total loans | $43,805,330 | 4,690 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4620% | 4,794 |
| Cost of funding earning assets | 0.1917% | 5,050 |
| Net interest margin | 3.2703% | 4,115 |
| Noninterest income to average assets | 3.8895% | 153 |
| Noninterest expense to average assets | 2.9256% | 2,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.6870% | 108 |
| Return on assets (ROA) | 2.6944% | 111 |
| Pretax return on assets | 4.0529% | 77 |
| Return on Equity (ROE) | 16.4707% | 467 |
| Retained earnings to average equity (ytd only) | 16.4707% | 182 |
| Net charge-offs to loans | -0.3276% | 5,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9903% | 5,652 |
| Assets per employee ($millions) | 3.9001% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0312% | 78 |
| Loan loss allowance to noncurrent loans | 507.4713% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 1.1282% | 1,573 |
| Noncurrent loans to loans | 0.7944% | 2,470 |
| Net loans and leases to total assets | 59.8880% | 3,798 |
| Net loans and leases to deposits | 72.2433% | 3,586 |
| Net loans and leases to core deposits | 72.2433% | 3,966 |
| Total domestic deposits to total assets | 82.8977% | 3,881 |
| Equity capital to assets | 16.8687% | 395 |
| Core capital (leverage) ratio | 16.6512% | 394 |
| Tier 1 risk-based capital ratio | 32.5204% | 399 |
| Total risk-based capital ratio | 33.8140% | 384 |
| Memoranda: | ||
| Average total assets | $70,961,000 | 4,899 |
| Average earning assets | $66,782,000 | 4,861 |
| Average equity | $11,608,500 | 4,285 |
| Average total loans | $43,958,500 | 4,729 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4108% | 4,957 |
| Cost of funding earning assets | 0.2027% | 4,989 |
| Net interest margin | 3.2081% | 4,433 |
| Noninterest income to average assets | -0.0405% | 5,878 |
| Noninterest expense to average assets | 3.0509% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.0307% | 5,658 |
| Return on assets (ROA) | -0.0307% | 5,673 |
| Pretax return on assets | -0.1048% | 5,696 |
| Return on Equity (ROE) | -0.1890% | 5,672 |
| Retained earnings to average equity (ytd only) | -0.1890% | 5,333 |
| Net charge-offs to loans | 0.4246% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | -0.4190% | 4,156 |
| Efficiency ratio | 103.5579% | 183 |
| Assets per employee ($millions) | 3.7748% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9244% | 82 |
| Loan loss allowance to noncurrent loans | 551.2739% | 983 |
| Noncurrent assets plus other real estate owned to assets | 2.9029% | 364 |
| Noncurrent loans to loans | 0.7119% | 2,758 |
| Net loans and leases to total assets | 59.0873% | 3,951 |
| Net loans and leases to deposits | 70.3696% | 3,870 |
| Net loans and leases to core deposits | 70.3696% | 4,209 |
| Total domestic deposits to total assets | 83.9670% | 3,429 |
| Equity capital to assets | 15.8601% | 514 |
| Core capital (leverage) ratio | 16.3589% | 417 |
| Tier 1 risk-based capital ratio | 28.5804% | 538 |
| Total risk-based capital ratio | 29.8677% | 530 |
| Memoranda: | ||
| Average total assets | $71,553,800 | 4,900 |
| Average earning assets | $66,612,000 | 4,878 |
| Average equity | $11,639,800 | 4,310 |
| Average total loans | $42,155,800 | 4,811 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 5,138 |
| Cost of funding earning assets | 0.2032% | 5,040 |
| Net interest margin | 3.1389% | 4,674 |
| Noninterest income to average assets | 0.5556% | 2,888 |
| Noninterest expense to average assets | 2.8582% | 2,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4251% | 4,945 |
| Return on assets (ROA) | 0.4251% | 5,033 |
| Pretax return on assets | 0.6358% | 4,775 |
| Return on Equity (ROE) | 2.5969% | 5,332 |
| Retained earnings to average equity (ytd only) | 2.5969% | 4,356 |
| Net charge-offs to loans | 0.2720% | 851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 4.0118% | 3,324 |
| Efficiency ratio | 81.8036% | 1,219 |
| Assets per employee ($millions) | 4.1352% | 3,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2163% | 68 |
| Loan loss allowance to noncurrent loans | 373.7705% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 3.4681% | 289 |
| Noncurrent loans to loans | 1.1280% | 1,997 |
| Net loans and leases to total assets | 58.9448% | 3,998 |
| Net loans and leases to deposits | 71.0511% | 3,881 |
| Net loans and leases to core deposits | 71.0511% | 4,245 |
| Total domestic deposits to total assets | 82.9611% | 3,617 |
| Equity capital to assets | 16.8084% | 448 |
| Core capital (leverage) ratio | 15.1422% | 606 |
| Tier 1 risk-based capital ratio | 28.5139% | 552 |
| Total risk-based capital ratio | 29.8252% | 537 |
| Memoranda: | ||
| Average total assets | $71,512,000 | 4,942 |
| Average earning assets | $66,942,250 | 4,911 |
| Average equity | $11,706,000 | 4,336 |
| Average total loans | $41,667,500 | 4,867 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3698% | 5,146 |
| Cost of funding earning assets | 0.2019% | 5,115 |
| Net interest margin | 3.1679% | 4,645 |
| Noninterest income to average assets | 0.5451% | 2,928 |
| Noninterest expense to average assets | 2.8255% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4644% | 4,820 |
| Return on assets (ROA) | 0.4644% | 4,909 |
| Pretax return on assets | 0.6869% | 4,662 |
| Return on Equity (ROE) | 2.8622% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.8622% | 4,081 |
| Net charge-offs to loans | -0.0486% | 5,352 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4434% | 1,453 |
| Assets per employee ($millions) | 4.2622% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7816% | 51 |
| Loan loss allowance to noncurrent loans | 144.0691% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 4.2397% | 194 |
| Noncurrent loans to loans | 3.3190% | 412 |
| Net loans and leases to total assets | 52.7395% | 4,614 |
| Net loans and leases to deposits | 63.0823% | 4,565 |
| Net loans and leases to core deposits | 63.0823% | 4,804 |
| Total domestic deposits to total assets | 83.6043% | 3,420 |
| Equity capital to assets | 16.2494% | 508 |
| Core capital (leverage) ratio | 15.4144% | 539 |
| Tier 1 risk-based capital ratio | 32.8620% | 390 |
| Total risk-based capital ratio | 34.1829% | 380 |
| Memoranda: | ||
| Average total assets | $71,916,670 | 4,979 |
| Average earning assets | $67,363,000 | 4,950 |
| Average equity | $11,669,330 | 4,370 |
| Average total loans | $41,136,330 | 4,933 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3995% | 5,133 |
| Cost of funding earning assets | 0.2028% | 5,176 |
| Net interest margin | 3.1967% | 4,593 |
| Noninterest income to average assets | 0.5192% | 2,992 |
| Noninterest expense to average assets | 2.8417% | 2,915 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4634% | 4,764 |
| Return on assets (ROA) | 0.4634% | 4,852 |
| Pretax return on assets | 0.6700% | 4,622 |
| Return on Equity (ROE) | 2.8579% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.8579% | 4,083 |
| Net charge-offs to loans | -0.0961% | 5,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9221% | 1,494 |
| Assets per employee ($millions) | 4.1879% | 3,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6601% | 62 |
| Loan loss allowance to noncurrent loans | 295.2308% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 3.3809% | 347 |
| Noncurrent loans to loans | 1.5785% | 1,473 |
| Net loans and leases to total assets | 55.1443% | 4,341 |
| Net loans and leases to deposits | 66.0265% | 4,251 |
| Net loans and leases to core deposits | 66.0265% | 4,535 |
| Total domestic deposits to total assets | 83.5185% | 3,704 |
| Equity capital to assets | 16.3916% | 490 |
| Core capital (leverage) ratio | 15.1050% | 587 |
| Tier 1 risk-based capital ratio | 32.1859% | 425 |
| Total risk-based capital ratio | 33.5042% | 412 |
| Memoranda: | ||
| Average total assets | $71,646,000 | 5,038 |
| Average earning assets | $67,069,500 | 4,999 |
| Average equity | $11,617,000 | 4,399 |
| Average total loans | $41,638,000 | 4,944 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3166% | 5,316 |
| Cost of funding earning assets | 0.2137% | 5,153 |
| Net interest margin | 3.1029% | 4,893 |
| Noninterest income to average assets | 0.1641% | 5,598 |
| Noninterest expense to average assets | 2.7891% | 3,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1997% | 5,575 |
| Return on assets (ROA) | 0.1997% | 5,638 |
| Pretax return on assets | 0.2544% | 5,606 |
| Return on Equity (ROE) | 1.2626% | 5,727 |
| Retained earnings to average equity (ytd only) | 1.2626% | 4,995 |
| Net charge-offs to loans | -1.0522% | 6,130 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6404% | 589 |
| Assets per employee ($millions) | 4.2410% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5348% | 63 |
| Loan loss allowance to noncurrent loans | 377.2727% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 3.2831% | 382 |
| Noncurrent loans to loans | 1.2020% | 1,965 |
| Net loans and leases to total assets | 55.7416% | 4,316 |
| Net loans and leases to deposits | 66.4979% | 4,272 |
| Net loans and leases to core deposits | 66.4979% | 4,549 |
| Total domestic deposits to total assets | 83.8246% | 3,554 |
| Equity capital to assets | 16.0395% | 519 |
| Core capital (leverage) ratio | 14.9866% | 621 |
| Tier 1 risk-based capital ratio | 27.8010% | 615 |
| Total risk-based capital ratio | 29.1135% | 599 |
| Memoranda: | ||
| Average total assets | $73,106,800 | 5,011 |
| Average earning assets | $67,840,000 | 4,988 |
| Average equity | $11,563,000 | 4,381 |
| Average total loans | $38,872,600 | 5,054 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2776% | 5,447 |
| Cost of funding earning assets | 0.2179% | 5,206 |
| Net interest margin | 3.0597% | 5,052 |
| Noninterest income to average assets | 0.5053% | 3,327 |
| Noninterest expense to average assets | 2.7481% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4180% | 5,095 |
| Return on assets (ROA) | 0.4180% | 5,182 |
| Pretax return on assets | 0.5907% | 4,996 |
| Return on Equity (ROE) | 2.6521% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.6521% | 4,524 |
| Net charge-offs to loans | -0.6480% | 6,178 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3081% | 1,357 |
| Assets per employee ($millions) | 4.2261% | 3,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1501% | 86 |
| Loan loss allowance to noncurrent loans | 603.9427% | 868 |
| Noncurrent assets plus other real estate owned to assets | 3.3976% | 387 |
| Noncurrent loans to loans | 0.6872% | 3,260 |
| Net loans and leases to total assets | 54.1674% | 4,552 |
| Net loans and leases to deposits | 64.9098% | 4,477 |
| Net loans and leases to core deposits | 65.4556% | 4,731 |
| Total domestic deposits to total assets | 83.4503% | 3,631 |
| Equity capital to assets | 16.2755% | 525 |
| Core capital (leverage) ratio | 13.9152% | 885 |
| Tier 1 risk-based capital ratio | 26.4908% | 730 |
| Total risk-based capital ratio | 27.8061% | 705 |
| Memoranda: | ||
| Average total assets | $73,359,250 | 5,065 |
| Average earning assets | $67,934,500 | 5,045 |
| Average equity | $11,562,750 | 4,431 |
| Average total loans | $38,066,500 | 5,140 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2154% | 5,597 |
| Cost of funding earning assets | 0.2224% | 5,230 |
| Net interest margin | 2.9931% | 5,240 |
| Noninterest income to average assets | 0.4955% | 3,411 |
| Noninterest expense to average assets | 2.7104% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3953% | 5,152 |
| Return on assets (ROA) | 0.3953% | 5,259 |
| Pretax return on assets | 0.5551% | 5,089 |
| Return on Equity (ROE) | 2.5349% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.5349% | 4,442 |
| Net charge-offs to loans | -0.0430% | 5,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0017% | 1,369 |
| Assets per employee ($millions) | 4.3306% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9170% | 109 |
| Loan loss allowance to noncurrent loans | 534.7518% | 987 |
| Noncurrent assets plus other real estate owned to assets | 3.6267% | 383 |
| Noncurrent loans to loans | 0.7325% | 3,282 |
| Net loans and leases to total assets | 50.2459% | 4,908 |
| Net loans and leases to deposits | 59.7960% | 4,866 |
| Net loans and leases to core deposits | 60.2832% | 5,054 |
| Total domestic deposits to total assets | 84.0288% | 3,552 |
| Equity capital to assets | 15.7552% | 559 |
| Core capital (leverage) ratio | 14.6485% | 678 |
| Tier 1 risk-based capital ratio | 28.4835% | 617 |
| Total risk-based capital ratio | 29.7679% | 608 |
| Memoranda: | ||
| Average total assets | $73,864,330 | 5,106 |
| Average earning assets | $68,358,000 | 5,084 |
| Average equity | $11,519,330 | 4,466 |
| Average total loans | $37,221,670 | 5,208 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1775% | 5,684 |
| Cost of funding earning assets | 0.2220% | 5,301 |
| Net interest margin | 2.9555% | 5,332 |
| Noninterest income to average assets | 0.4866% | 3,384 |
| Noninterest expense to average assets | 2.7086% | 3,556 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3730% | 5,176 |
| Return on assets (ROA) | 0.3730% | 5,295 |
| Pretax return on assets | 0.5136% | 5,143 |
| Return on Equity (ROE) | 2.4043% | 5,571 |
| Retained earnings to average equity (ytd only) | 2.4043% | 4,490 |
| Net charge-offs to loans | -0.0875% | 5,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0604% | 1,379 |
| Assets per employee ($millions) | 4.3365% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9505% | 135 |
| Loan loss allowance to noncurrent loans | 525.4355% | 977 |
| Noncurrent assets plus other real estate owned to assets | 3.6516% | 440 |
| Noncurrent loans to loans | 0.7519% | 3,381 |
| Net loans and leases to total assets | 49.7335% | 4,881 |
| Net loans and leases to deposits | 59.3932% | 4,791 |
| Net loans and leases to core deposits | 59.3932% | 5,043 |
| Total domestic deposits to total assets | 83.7360% | 3,914 |
| Equity capital to assets | 15.6455% | 598 |
| Core capital (leverage) ratio | 13.9431% | 843 |
| Tier 1 risk-based capital ratio | 27.9092% | 656 |
| Total risk-based capital ratio | 27.9092% | 725 |
| Memoranda: | ||
| Average total assets | $73,986,500 | 5,152 |
| Average earning assets | $68,482,500 | 5,132 |
| Average equity | $11,479,500 | 4,513 |
| Average total loans | $36,583,000 | 5,268 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9017% | 6,134 |
| Cost of funding earning assets | 0.2672% | 5,132 |
| Net interest margin | 2.6345% | 6,028 |
| Noninterest income to average assets | 0.4376% | 3,918 |
| Noninterest expense to average assets | 2.7645% | 3,615 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1150% | 5,930 |
| Return on assets (ROA) | 0.1150% | 5,969 |
| Pretax return on assets | 0.1111% | 5,980 |
| Return on Equity (ROE) | 0.7621% | 5,994 |
| Retained earnings to average equity (ytd only) | 0.7621% | 5,426 |
| Net charge-offs to loans | 0.0360% | 4,115 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 3,105 |
| Efficiency ratio | 96.1379% | 495 |
| Assets per employee ($millions) | 4.1251% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2864% | 108 |
| Loan loss allowance to noncurrent loans | 403.2258% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 3.6901% | 488 |
| Noncurrent loans to loans | 1.0630% | 2,699 |
| Net loans and leases to total assets | 45.1085% | 5,395 |
| Net loans and leases to deposits | 53.7073% | 5,351 |
| Net loans and leases to core deposits | 53.7073% | 5,517 |
| Total domestic deposits to total assets | 83.9897% | 3,719 |
| Equity capital to assets | 15.3868% | 635 |
| Core capital (leverage) ratio | 14.0058% | 812 |
| Tier 1 risk-based capital ratio | 28.1533% | 610 |
| Total risk-based capital ratio | 29.4403% | 592 |
| Memoranda: | ||
| Average total assets | $75,637,800 | 5,159 |
| Average earning assets | $69,994,200 | 5,124 |
| Average equity | $11,415,200 | 4,475 |
| Average total loans | $33,347,600 | 5,428 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8413% | 6,255 |
| Cost of funding earning assets | 0.2788% | 5,107 |
| Net interest margin | 2.5625% | 6,167 |
| Noninterest income to average assets | 0.4124% | 4,157 |
| Noninterest expense to average assets | 2.5373% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1842% | 5,874 |
| Return on assets (ROA) | 0.1842% | 5,919 |
| Pretax return on assets | 0.2457% | 5,876 |
| Return on Equity (ROE) | 1.2267% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.2267% | 5,405 |
| Net charge-offs to loans | 0.0324% | 3,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 17.4939% | 1,897 |
| Efficiency ratio | 91.1728% | 761 |
| Assets per employee ($millions) | 4.0819% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5107% | 103 |
| Loan loss allowance to noncurrent loans | 209.4708% | 2,077 |
| Noncurrent assets plus other real estate owned to assets | 4.3253% | 434 |
| Noncurrent loans to loans | 2.1534% | 1,426 |
| Net loans and leases to total assets | 43.3337% | 5,573 |
| Net loans and leases to deposits | 51.7952% | 5,541 |
| Net loans and leases to core deposits | 51.7952% | 5,694 |
| Total domestic deposits to total assets | 83.6636% | 3,895 |
| Equity capital to assets | 15.6042% | 617 |
| Core capital (leverage) ratio | 14.3966% | 749 |
| Tier 1 risk-based capital ratio | 31.1984% | 472 |
| Total risk-based capital ratio | 32.4757% | 461 |
| Memoranda: | ||
| Average total assets | $75,984,250 | 5,207 |
| Average earning assets | $70,294,500 | 5,169 |
| Average equity | $11,412,750 | 4,502 |
| Average total loans | $32,936,000 | 5,494 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7726% | 6,356 |
| Cost of funding earning assets | 0.2924% | 5,041 |
| Net interest margin | 2.4801% | 6,299 |
| Noninterest income to average assets | 0.3801% | 4,402 |
| Noninterest expense to average assets | 2.4863% | 4,624 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1666% | 5,916 |
| Return on assets (ROA) | 0.1666% | 5,957 |
| Pretax return on assets | 0.1901% | 5,964 |
| Return on Equity (ROE) | 1.1233% | 6,035 |
| Retained earnings to average equity (ytd only) | 1.1233% | 5,307 |
| Net charge-offs to loans | 0.0549% | 3,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.1111% | 2,534 |
| Efficiency ratio | 92.8988% | 701 |
| Assets per employee ($millions) | 4.4279% | 3,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5827% | 109 |
| Loan loss allowance to noncurrent loans | 206.7400% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 4.1116% | 503 |
| Noncurrent loans to loans | 2.2167% | 1,477 |
| Net loans and leases to total assets | 41.5729% | 5,704 |
| Net loans and leases to deposits | 49.3768% | 5,683 |
| Net loans and leases to core deposits | 49.3768% | 5,831 |
| Total domestic deposits to total assets | 84.1953% | 3,858 |
| Equity capital to assets | 15.1883% | 660 |
| Core capital (leverage) ratio | 13.6174% | 943 |
| Tier 1 risk-based capital ratio | 30.6868% | 495 |
| Total risk-based capital ratio | 31.9775% | 487 |
| Memoranda: | ||
| Average total assets | $76,821,000 | 5,229 |
| Average earning assets | $71,125,330 | 5,200 |
| Average equity | $11,395,330 | 4,520 |
| Average total loans | $32,800,330 | 5,539 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7536% | 6,426 |
| Cost of funding earning assets | 0.3115% | 4,953 |
| Net interest margin | 2.4421% | 6,383 |
| Noninterest income to average assets | 0.3557% | 4,534 |
| Noninterest expense to average assets | 2.4641% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1340% | 5,959 |
| Return on assets (ROA) | 0.1340% | 5,995 |
| Pretax return on assets | 0.1547% | 6,002 |
| Return on Equity (ROE) | 0.9142% | 6,057 |
| Retained earnings to average equity (ytd only) | 0.9142% | 5,232 |
| Net charge-offs to loans | 0.3780% | 958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.9677% | 3,222 |
| Efficiency ratio | 94.0945% | 746 |
| Assets per employee ($millions) | 4.5781% | 2,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5489% | 127 |
| Loan loss allowance to noncurrent loans | 318.4946% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 3.5514% | 732 |
| Noncurrent loans to loans | 1.4283% | 2,641 |
| Net loans and leases to total assets | 39.9291% | 5,815 |
| Net loans and leases to deposits | 46.8372% | 5,793 |
| Net loans and leases to core deposits | 46.8372% | 5,945 |
| Total domestic deposits to total assets | 85.2508% | 3,746 |
| Equity capital to assets | 14.6284% | 757 |
| Core capital (leverage) ratio | 13.1940% | 1,091 |
| Tier 1 risk-based capital ratio | 31.2742% | 475 |
| Total risk-based capital ratio | 32.5633% | 465 |
| Memoranda: | ||
| Average total assets | $77,594,000 | 5,263 |
| Average earning assets | $71,906,500 | 5,229 |
| Average equity | $11,376,500 | 4,528 |
| Average total loans | $32,802,000 | 5,593 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8846% | 6,435 |
| Cost of funding earning assets | 0.4148% | 4,484 |
| Net interest margin | 2.4697% | 6,396 |
| Noninterest income to average assets | 0.3010% | 5,194 |
| Noninterest expense to average assets | 2.4233% | 5,012 |
| Loan and lease loss provision to assets | 0.0635% | 3,865 |
| Net operating income to assets | 0.1067% | 6,033 |
| Return on assets (ROA) | 0.1067% | 6,084 |
| Pretax return on assets | 0.1054% | 6,084 |
| Return on Equity (ROE) | 0.7390% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.7390% | 5,504 |
| Net charge-offs to loans | 0.3795% | 1,769 |
| Credit loss provision to net charge-offs | 39.6825% | 4,056 |
| Earnings coverage of net charge-offs (x) | 1.0556% | 4,726 |
| Efficiency ratio | 93.4836% | 775 |
| Assets per employee ($millions) | 4.2978% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5753% | 128 |
| Loan loss allowance to noncurrent loans | 236.2500% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 3.6543% | 774 |
| Noncurrent loans to loans | 1.9366% | 2,067 |
| Net loans and leases to total assets | 40.7640% | 5,911 |
| Net loans and leases to deposits | 47.8811% | 5,905 |
| Net loans and leases to core deposits | 47.8811% | 6,040 |
| Total domestic deposits to total assets | 85.1357% | 3,676 |
| Equity capital to assets | 14.6949% | 740 |
| Core capital (leverage) ratio | 13.3225% | 1,013 |
| Tier 1 risk-based capital ratio | 29.6831% | 515 |
| Total risk-based capital ratio | 30.9723% | 505 |
| Memoranda: | ||
| Average total assets | $78,734,600 | 5,267 |
| Average earning assets | $73,044,000 | 5,223 |
| Average equity | $11,366,800 | 4,565 |
| Average total loans | $33,197,400 | 5,614 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8978% | 6,495 |
| Cost of funding earning assets | 0.4306% | 4,502 |
| Net interest margin | 2.4672% | 6,456 |
| Noninterest income to average assets | 0.2984% | 5,308 |
| Noninterest expense to average assets | 2.3689% | 5,123 |
| Loan and lease loss provision to assets | 0.0843% | 3,372 |
| Net operating income to assets | 0.1265% | 6,085 |
| Return on assets (ROA) | 0.1265% | 6,152 |
| Pretax return on assets | 0.1349% | 6,165 |
| Return on Equity (ROE) | 0.8798% | 6,201 |
| Retained earnings to average equity (ytd only) | 0.8798% | 5,624 |
| Net charge-offs to loans | 0.4092% | 1,570 |
| Credit loss provision to net charge-offs | 49.0196% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.2745% | 4,417 |
| Efficiency ratio | 91.5309% | 883 |
| Assets per employee ($millions) | 4.2704% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6851% | 144 |
| Loan loss allowance to noncurrent loans | 208.1301% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 3.7025% | 890 |
| Noncurrent loans to loans | 2.2510% | 1,953 |
| Net loans and leases to total assets | 40.6528% | 5,987 |
| Net loans and leases to deposits | 47.8443% | 5,970 |
| Net loans and leases to core deposits | 47.8443% | 6,134 |
| Total domestic deposits to total assets | 84.9690% | 3,766 |
| Equity capital to assets | 14.7825% | 755 |
| Core capital (leverage) ratio | 13.4014% | 1,061 |
| Tier 1 risk-based capital ratio | 29.1602% | 560 |
| Total risk-based capital ratio | 30.4469% | 547 |
| Memoranda: | ||
| Average total assets | $79,078,250 | 5,312 |
| Average earning assets | $73,386,500 | 5,261 |
| Average equity | $11,366,500 | 4,614 |
| Average total loans | $33,235,000 | 5,668 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9060% | 6,528 |
| Cost of funding earning assets | 0.4452% | 4,483 |
| Net interest margin | 2.4608% | 6,490 |
| Noninterest income to average assets | 0.2706% | 5,521 |
| Noninterest expense to average assets | 2.3705% | 5,141 |
| Loan and lease loss provision to assets | 0.1253% | 2,756 |
| Net operating income to assets | 0.0877% | 6,154 |
| Return on assets (ROA) | 0.0877% | 6,238 |
| Pretax return on assets | 0.0601% | 6,294 |
| Return on Equity (ROE) | 0.6158% | 6,287 |
| Retained earnings to average equity (ytd only) | 0.6158% | 5,654 |
| Net charge-offs to loans | 0.5332% | 1,239 |
| Credit loss provision to net charge-offs | 56.1798% | 3,094 |
| Earnings coverage of net charge-offs (x) | 0.8315% | 4,253 |
| Efficiency ratio | 92.7451% | 840 |
| Assets per employee ($millions) | 4.3994% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6641% | 154 |
| Loan loss allowance to noncurrent loans | 291.1654% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 3.3729% | 1,157 |
| Noncurrent loans to loans | 1.6019% | 2,907 |
| Net loans and leases to total assets | 39.9828% | 6,046 |
| Net loans and leases to deposits | 46.7653% | 6,058 |
| Net loans and leases to core deposits | 46.7653% | 6,195 |
| Total domestic deposits to total assets | 85.4967% | 3,645 |
| Equity capital to assets | 14.2823% | 884 |
| Core capital (leverage) ratio | 12.9168% | 1,197 |
| Tier 1 risk-based capital ratio | 28.4567% | 605 |
| Total risk-based capital ratio | 29.7364% | 592 |
| Memoranda: | ||
| Average total assets | $79,815,000 | 5,319 |
| Average earning assets | $74,123,330 | 5,275 |
| Average equity | $11,367,670 | 4,646 |
| Average total loans | $33,385,000 | 5,691 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9145% | 6,595 |
| Cost of funding earning assets | 0.4678% | 4,400 |
| Net interest margin | 2.4467% | 6,559 |
| Noninterest income to average assets | 0.2746% | 5,486 |
| Noninterest expense to average assets | 2.2963% | 5,437 |
| Loan and lease loss provision to assets | 0.2496% | 1,444 |
| Net operating income to assets | 0.0549% | 6,238 |
| Return on assets (ROA) | 0.0549% | 6,323 |
| Pretax return on assets | 0.0000% | 6,408 |
| Return on Equity (ROE) | 0.3861% | 6,352 |
| Retained earnings to average equity (ytd only) | 0.3861% | 5,665 |
| Net charge-offs to loans | -0.0837% | 6,368 |
| Credit loss provision to net charge-offs | -714.2857% | 5,563 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1961% | 1,137 |
| Assets per employee ($millions) | 4.1750% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9377% | 145 |
| Loan loss allowance to noncurrent loans | 120.4246% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 4.1147% | 951 |
| Noncurrent loans to loans | 4.1003% | 1,081 |
| Net loans and leases to total assets | 39.9244% | 6,003 |
| Net loans and leases to deposits | 46.7185% | 6,010 |
| Net loans and leases to core deposits | 46.7185% | 6,168 |
| Total domestic deposits to total assets | 85.4573% | 3,816 |
| Equity capital to assets | 14.3612% | 915 |
| Core capital (leverage) ratio | 12.9148% | 1,149 |
| Tier 1 risk-based capital ratio | 28.2934% | 625 |
| Total risk-based capital ratio | 29.5843% | 613 |
| Memoranda: | ||
| Average total assets | $80,128,000 | 5,363 |
| Average earning assets | $74,385,500 | 5,310 |
| Average equity | $11,396,500 | 4,702 |
| Average total loans | $33,472,000 | 5,729 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8909% | 6,821 |
| Cost of funding earning assets | 0.6059% | 4,284 |
| Net interest margin | 2.2850% | 6,844 |
| Noninterest income to average assets | -0.0024% | 6,837 |
| Noninterest expense to average assets | 2.3614% | 5,520 |
| Loan and lease loss provision to assets | 0.7469% | 675 |
| Net operating income to assets | -0.5653% | 6,605 |
| Return on assets (ROA) | -0.5653% | 6,636 |
| Pretax return on assets | -0.9835% | 6,731 |
| Return on Equity (ROE) | -4.1026% | 6,555 |
| Retained earnings to average equity (ytd only) | -4.1026% | 6,365 |
| Net charge-offs to loans | 2.4541% | 252 |
| Credit loss provision to net charge-offs | 76.1267% | 3,965 |
| Earnings coverage of net charge-offs (x) | -0.2412% | 5,591 |
| Efficiency ratio | 111.1361% | 318 |
| Assets per employee ($millions) | 4.2595% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7221% | 160 |
| Loan loss allowance to noncurrent loans | 189.2729% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 3.1990% | 1,453 |
| Noncurrent loans to loans | 2.4949% | 2,120 |
| Net loans and leases to total assets | 39.5905% | 6,200 |
| Net loans and leases to deposits | 46.1752% | 6,242 |
| Net loans and leases to core deposits | 46.1752% | 6,362 |
| Total domestic deposits to total assets | 85.7397% | 3,493 |
| Equity capital to assets | 14.0873% | 1,014 |
| Core capital (leverage) ratio | 12.4562% | 1,338 |
| Tier 1 risk-based capital ratio | 25.9556% | 776 |
| Total risk-based capital ratio | 27.2441% | 761 |
| Memoranda: | ||
| Average total assets | $83,677,600 | 5,255 |
| Average earning assets | $77,900,000 | 5,185 |
| Average equity | $11,529,200 | 4,663 |
| Average total loans | $33,453,800 | 5,777 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8845% | 6,939 |
| Cost of funding earning assets | 0.6316% | 4,349 |
| Net interest margin | 2.2530% | 6,966 |
| Noninterest income to average assets | 0.2276% | 5,924 |
| Noninterest expense to average assets | 2.4907% | 5,116 |
| Loan and lease loss provision to assets | 0.9878% | 417 |
| Net operating income to assets | -0.7112% | 6,781 |
| Return on assets (ROA) | -0.7112% | 6,808 |
| Pretax return on assets | -1.1537% | 6,901 |
| Return on Equity (ROE) | -5.1897% | 6,720 |
| Retained earnings to average equity (ytd only) | -5.1897% | 6,625 |
| Net charge-offs to loans | 2.6179% | 233 |
| Credit loss provision to net charge-offs | 95.2744% | 3,137 |
| Earnings coverage of net charge-offs (x) | -0.1601% | 5,401 |
| Efficiency ratio | 107.1380% | 357 |
| Assets per employee ($millions) | 4.2601% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2835% | 118 |
| Loan loss allowance to noncurrent loans | 158.7862% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 3.6632% | 1,355 |
| Noncurrent loans to loans | 3.3274% | 1,652 |
| Net loans and leases to total assets | 38.8258% | 6,363 |
| Net loans and leases to deposits | 45.3982% | 6,426 |
| Net loans and leases to core deposits | 45.5654% | 6,532 |
| Total domestic deposits to total assets | 85.5228% | 3,499 |
| Equity capital to assets | 14.1510% | 1,096 |
| Core capital (leverage) ratio | 12.5347% | 1,393 |
| Tier 1 risk-based capital ratio | 26.6140% | 768 |
| Total risk-based capital ratio | 27.9145% | 751 |
| Memoranda: | ||
| Average total assets | $84,364,250 | 5,288 |
| Average earning assets | $78,532,000 | 5,225 |
| Average equity | $11,561,250 | 4,703 |
| Average total loans | $33,410,000 | 5,855 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8688% | 7,024 |
| Cost of funding earning assets | 0.6632% | 4,342 |
| Net interest margin | 2.2056% | 7,042 |
| Noninterest income to average assets | 0.2222% | 5,980 |
| Noninterest expense to average assets | 2.4700% | 5,235 |
| Loan and lease loss provision to assets | 1.4619% | 254 |
| Net operating income to assets | -1.0011% | 6,908 |
| Return on assets (ROA) | -1.0011% | 6,927 |
| Pretax return on assets | -1.6560% | 7,027 |
| Return on Equity (ROE) | -7.3812% | 6,841 |
| Retained earnings to average equity (ytd only) | -7.3812% | 6,733 |
| Net charge-offs to loans | 3.9956% | 109 |
| Credit loss provision to net charge-offs | 93.4230% | 2,943 |
| Earnings coverage of net charge-offs (x) | -0.1241% | 5,135 |
| Efficiency ratio | 108.5303% | 356 |
| Assets per employee ($millions) | 4.3168% | 3,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2071% | 134 |
| Loan loss allowance to noncurrent loans | 102.5943% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 4.2282% | 1,183 |
| Noncurrent loans to loans | 5.0754% | 957 |
| Net loans and leases to total assets | 38.6198% | 6,431 |
| Net loans and leases to deposits | 45.0436% | 6,501 |
| Net loans and leases to core deposits | 45.2069% | 6,611 |
| Total domestic deposits to total assets | 85.7388% | 3,493 |
| Equity capital to assets | 13.9941% | 1,100 |
| Core capital (leverage) ratio | 12.2389% | 1,477 |
| Tier 1 risk-based capital ratio | 26.6618% | 755 |
| Total risk-based capital ratio | 27.9562% | 740 |
| Memoranda: | ||
| Average total assets | $85,505,330 | 5,288 |
| Average earning assets | $79,615,330 | 5,222 |
| Average equity | $11,597,000 | 4,693 |
| Average total loans | $33,487,000 | 5,892 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8481% | 7,095 |
| Cost of funding earning assets | 0.6899% | 4,368 |
| Net interest margin | 2.1583% | 7,104 |
| Noninterest income to average assets | 0.2063% | 6,151 |
| Noninterest expense to average assets | 2.7829% | 4,114 |
| Loan and lease loss provision to assets | 2.3152% | 113 |
| Net operating income to assets | -1.7834% | 7,135 |
| Return on assets (ROA) | -1.7834% | 7,139 |
| Pretax return on assets | -2.8837% | 7,206 |
| Return on Equity (ROE) | -13.3488% | 7,048 |
| Retained earnings to average equity (ytd only) | -13.3488% | 6,941 |
| Net charge-offs to loans | 6.2764% | 56 |
| Credit loss provision to net charge-offs | 96.0076% | 2,439 |
| Earnings coverage of net charge-offs (x) | -0.2357% | 4,451 |
| Efficiency ratio | 125.6729% | 181 |
| Assets per employee ($millions) | 4.5548% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1686% | 151 |
| Loan loss allowance to noncurrent loans | 318.2310% | 1,046 |
| Noncurrent assets plus other real estate owned to assets | 2.5005% | 2,366 |
| Noncurrent loans to loans | 1.6242% | 3,680 |
| Net loans and leases to total assets | 37.3777% | 6,532 |
| Net loans and leases to deposits | 43.1771% | 6,599 |
| Net loans and leases to core deposits | 43.3228% | 6,687 |
| Total domestic deposits to total assets | 86.5682% | 3,195 |
| Equity capital to assets | 13.2261% | 1,346 |
| Core capital (leverage) ratio | 11.3116% | 2,029 |
| Tier 1 risk-based capital ratio | 24.3428% | 970 |
| Total risk-based capital ratio | 25.6329% | 951 |
| Memoranda: | ||
| Average total assets | $87,248,000 | 5,284 |
| Average earning assets | $81,175,500 | 5,214 |
| Average equity | $11,656,500 | 4,690 |
| Average total loans | $33,522,500 | 5,936 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1928% | 7,125 |
| Cost of funding earning assets | 0.9603% | 3,639 |
| Net interest margin | 2.2325% | 7,165 |
| Noninterest income to average assets | -0.4975% | 7,266 |
| Noninterest expense to average assets | 2.3385% | 5,947 |
| Loan and lease loss provision to assets | 1.2466% | 681 |
| Net operating income to assets | -1.1496% | 6,800 |
| Return on assets (ROA) | -1.1496% | 6,825 |
| Pretax return on assets | -2.0003% | 7,023 |
| Return on Equity (ROE) | -8.1886% | 6,685 |
| Retained earnings to average equity (ytd only) | -8.1886% | 6,633 |
| Net charge-offs to loans | 6.2608% | 44 |
| Credit loss provision to net charge-offs | 48.4957% | 5,457 |
| Earnings coverage of net charge-offs (x) | -0.2932% | 6,001 |
| Efficiency ratio | 147.5601% | 149 |
| Assets per employee ($millions) | 4.6292% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4167% | 134 |
| Loan loss allowance to noncurrent loans | 292.9392% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 3.0220% | 1,987 |
| Noncurrent loans to loans | 1.8491% | 3,410 |
| Net loans and leases to total assets | 35.4170% | 6,793 |
| Net loans and leases to deposits | 41.0476% | 6,828 |
| Net loans and leases to core deposits | 42.8853% | 6,857 |
| Total domestic deposits to total assets | 86.2828% | 3,151 |
| Equity capital to assets | 13.4921% | 1,268 |
| Core capital (leverage) ratio | 11.9007% | 1,656 |
| Tier 1 risk-based capital ratio | 25.0565% | 863 |
| Total risk-based capital ratio | 26.3169% | 852 |
| Memoranda: | ||
| Average total assets | $86,637,200 | 5,273 |
| Average earning assets | $80,806,600 | 5,203 |
| Average equity | $12,163,200 | 4,518 |
| Average total loans | $35,570,400 | 5,891 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2625% | 7,188 |
| Cost of funding earning assets | 1.0120% | 3,597 |
| Net interest margin | 2.2505% | 7,237 |
| Noninterest income to average assets | -0.5654% | 7,361 |
| Noninterest expense to average assets | 2.4779% | 5,538 |
| Loan and lease loss provision to assets | 1.6684% | 379 |
| Net operating income to assets | -1.5186% | 7,047 |
| Return on assets (ROA) | -1.5186% | 7,056 |
| Pretax return on assets | -2.6092% | 7,232 |
| Return on Equity (ROE) | -10.7102% | 6,911 |
| Retained earnings to average equity (ytd only) | -10.7102% | 6,878 |
| Net charge-offs to loans | 7.0328% | 35 |
| Credit loss provision to net charge-offs | 56.5149% | 4,885 |
| Earnings coverage of net charge-offs (x) | -0.3187% | 5,772 |
| Efficiency ratio | 161.2060% | 107 |
| Assets per employee ($millions) | 4.5956% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8995% | 97 |
| Loan loss allowance to noncurrent loans | 131.8267% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 3.2491% | 1,956 |
| Noncurrent loans to loans | 4.4752% | 1,440 |
| Net loans and leases to total assets | 38.3614% | 6,750 |
| Net loans and leases to deposits | 44.5728% | 6,807 |
| Net loans and leases to core deposits | 46.5876% | 6,821 |
| Total domestic deposits to total assets | 86.0646% | 3,183 |
| Equity capital to assets | 13.6984% | 1,286 |
| Core capital (leverage) ratio | 11.8130% | 1,820 |
| Tier 1 risk-based capital ratio | 24.2683% | 985 |
| Total risk-based capital ratio | 25.5661% | 962 |
| Memoranda: | ||
| Average total assets | $86,307,750 | 5,320 |
| Average earning assets | $80,632,250 | 5,256 |
| Average equity | $12,237,250 | 4,503 |
| Average total loans | $36,229,250 | 5,908 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2821% | 7,257 |
| Cost of funding earning assets | 1.0551% | 3,566 |
| Net interest margin | 2.2270% | 7,307 |
| Noninterest income to average assets | -0.9352% | 7,473 |
| Noninterest expense to average assets | 2.3124% | 6,090 |
| Loan and lease loss provision to assets | 1.9076% | 340 |
| Net operating income to assets | -1.7913% | 7,159 |
| Return on assets (ROA) | -1.7913% | 7,165 |
| Pretax return on assets | -3.0685% | 7,310 |
| Return on Equity (ROE) | -12.4905% | 6,996 |
| Retained earnings to average equity (ytd only) | -12.4905% | 6,954 |
| Net charge-offs to loans | 9.9999% | 18 |
| Credit loss provision to net charge-offs | 45.0055% | 4,708 |
| Earnings coverage of net charge-offs (x) | -0.2739% | 5,438 |
| Efficiency ratio | 200.8081% | 62 |
| Assets per employee ($millions) | 4.5117% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3779% | 153 |
| Loan loss allowance to noncurrent loans | 537.3259% | 623 |
| Noncurrent assets plus other real estate owned to assets | 2.0158% | 3,210 |
| Noncurrent loans to loans | 1.0009% | 4,997 |
| Net loans and leases to total assets | 39.5931% | 6,776 |
| Net loans and leases to deposits | 46.2656% | 6,813 |
| Net loans and leases to core deposits | 46.4238% | 6,914 |
| Total domestic deposits to total assets | 85.5778% | 3,580 |
| Equity capital to assets | 14.1994% | 1,029 |
| Core capital (leverage) ratio | 12.8487% | 1,220 |
| Tier 1 risk-based capital ratio | 25.1668% | 892 |
| Total risk-based capital ratio | 26.4592% | 870 |
| Memoranda: | ||
| Average total assets | $85,971,330 | 5,372 |
| Average earning assets | $80,558,000 | 5,303 |
| Average equity | $12,329,330 | 4,468 |
| Average total loans | $36,440,330 | 5,957 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3009% | 7,310 |
| Cost of funding earning assets | 1.1020% | 3,503 |
| Net interest margin | 2.1990% | 7,356 |
| Noninterest income to average assets | 0.1533% | 6,623 |
| Noninterest expense to average assets | 4.6181% | 525 |
| Loan and lease loss provision to assets | 3.8097% | 110 |
| Net operating income to assets | -3.8143% | 7,437 |
| Return on assets (ROA) | -3.8143% | 7,442 |
| Pretax return on assets | -6.2163% | 7,505 |
| Return on Equity (ROE) | -26.4668% | 7,296 |
| Retained earnings to average equity (ytd only) | -26.4668% | 7,260 |
| Net charge-offs to loans | 18.9294% | 5 |
| Credit loss provision to net charge-offs | 47.1807% | 3,813 |
| Earnings coverage of net charge-offs (x) | -0.2980% | 4,729 |
| Efficiency ratio | 208.8235% | 59 |
| Assets per employee ($millions) | 4.2224% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5887% | 131 |
| Loan loss allowance to noncurrent loans | 211.2277% | 1,420 |
| Noncurrent assets plus other real estate owned to assets | 2.4181% | 2,815 |
| Noncurrent loans to loans | 2.6458% | 2,853 |
| Net loans and leases to total assets | 40.2690% | 6,758 |
| Net loans and leases to deposits | 47.0463% | 6,795 |
| Net loans and leases to core deposits | 47.2135% | 6,911 |
| Total domestic deposits to total assets | 85.5945% | 3,735 |
| Equity capital to assets | 14.1935% | 950 |
| Core capital (leverage) ratio | 12.3527% | 1,385 |
| Tier 1 risk-based capital ratio | 26.1261% | 778 |
| Total risk-based capital ratio | 27.4238% | 755 |
| Memoranda: | ||
| Average total assets | $86,096,000 | 5,403 |
| Average earning assets | $80,583,000 | 5,344 |
| Average equity | $12,408,000 | 4,467 |
| Average total loans | $36,726,000 | 6,000 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6930% | 7,308 |
| Cost of funding earning assets | 1.3997% | 3,267 |
| Net interest margin | 2.2933% | 7,373 |
| Noninterest income to average assets | 0.2037% | 6,328 |
| Noninterest expense to average assets | 2.2207% | 6,564 |
| Loan and lease loss provision to assets | 2.1991% | 561 |
| Net operating income to assets | -1.1745% | 6,780 |
| Return on assets (ROA) | -1.1701% | 6,795 |
| Pretax return on assets | -2.0329% | 7,036 |
| Return on Equity (ROE) | -7.5556% | 6,590 |
| Retained earnings to average equity (ytd only) | -7.5556% | 6,497 |
| Net charge-offs to loans | 3.4794% | 413 |
| Credit loss provision to net charge-offs | 145.0450% | 2,552 |
| Earnings coverage of net charge-offs (x) | 0.1051% | 6,018 |
| Efficiency ratio | 93.3046% | 1,100 |
| Assets per employee ($millions) | 4.3873% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8300% | 48 |
| Loan loss allowance to noncurrent loans | 141.1170% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 4.1450% | 1,620 |
| Noncurrent loans to loans | 5.5486% | 1,179 |
| Net loans and leases to total assets | 39.3208% | 7,006 |
| Net loans and leases to deposits | 46.2072% | 7,037 |
| Net loans and leases to core deposits | 46.3662% | 7,126 |
| Total domestic deposits to total assets | 85.0966% | 3,799 |
| Equity capital to assets | 14.6219% | 877 |
| Core capital (leverage) ratio | 13.4701% | 978 |
| Tier 1 risk-based capital ratio | 27.1078% | 667 |
| Total risk-based capital ratio | 28.4317% | 655 |
| Memoranda: | ||
| Average total assets | $87,853,400 | 5,352 |
| Average earning assets | $83,373,400 | 5,237 |
| Average equity | $13,605,800 | 4,236 |
| Average total loans | $38,282,600 | 5,995 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8081% | 7,396 |
| Cost of funding earning assets | 1.4631% | 3,199 |
| Net interest margin | 2.3450% | 7,464 |
| Noninterest income to average assets | 0.1881% | 6,540 |
| Noninterest expense to average assets | 2.1286% | 6,787 |
| Loan and lease loss provision to assets | 2.0816% | 558 |
| Net operating income to assets | -1.0147% | 6,911 |
| Return on assets (ROA) | -1.0089% | 6,953 |
| Pretax return on assets | -1.7781% | 7,127 |
| Return on Equity (ROE) | -6.4250% | 6,752 |
| Retained earnings to average equity (ytd only) | -6.4250% | 6,672 |
| Net charge-offs to loans | 4.0593% | 297 |
| Credit loss provision to net charge-offs | 117.0648% | 3,547 |
| Earnings coverage of net charge-offs (x) | 0.1655% | 5,857 |
| Efficiency ratio | 87.8522% | 1,462 |
| Assets per employee ($millions) | 4.0892% | 3,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8805% | 66 |
| Loan loss allowance to noncurrent loans | 753.2738% | 459 |
| Noncurrent assets plus other real estate owned to assets | 2.5398% | 2,823 |
| Noncurrent loans to loans | 0.9134% | 5,415 |
| Net loans and leases to total assets | 39.8887% | 7,081 |
| Net loans and leases to deposits | 47.3737% | 7,113 |
| Net loans and leases to core deposits | 47.9439% | 7,207 |
| Total domestic deposits to total assets | 84.2001% | 4,008 |
| Equity capital to assets | 15.4960% | 773 |
| Core capital (leverage) ratio | 13.7193% | 988 |
| Tier 1 risk-based capital ratio | 28.8450% | 577 |
| Total risk-based capital ratio | 30.1562% | 558 |
| Memoranda: | ||
| Average total assets | $87,880,500 | 5,418 |
| Average earning assets | $83,749,250 | 5,284 |
| Average equity | $13,799,750 | 4,250 |
| Average total loans | $38,495,000 | 6,071 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 7,475 |
| Cost of funding earning assets | 1.5217% | 3,122 |
| Net interest margin | 2.2991% | 7,537 |
| Noninterest income to average assets | 0.2123% | 6,400 |
| Noninterest expense to average assets | 2.1141% | 6,857 |
| Loan and lease loss provision to assets | 0.6234% | 2,300 |
| Net operating income to assets | -0.0945% | 6,223 |
| Return on assets (ROA) | -0.0858% | 6,286 |
| Pretax return on assets | -0.3139% | 6,446 |
| Return on Equity (ROE) | -0.5443% | 6,263 |
| Retained earnings to average equity (ytd only) | -0.5443% | 5,858 |
| Net charge-offs to loans | 5.1043% | 197 |
| Credit loss provision to net charge-offs | 27.6830% | 5,768 |
| Earnings coverage of net charge-offs (x) | 0.1314% | 5,590 |
| Efficiency ratio | 87.7226% | 1,539 |
| Assets per employee ($millions) | 4.1753% | 3,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3219% | 291 |
| Loan loss allowance to noncurrent loans | 646.5863% | 511 |
| Noncurrent assets plus other real estate owned to assets | 2.4452% | 2,943 |
| Noncurrent loans to loans | 0.6684% | 5,914 |
| Net loans and leases to total assets | 40.6496% | 7,123 |
| Net loans and leases to deposits | 48.4655% | 7,142 |
| Net loans and leases to core deposits | 49.0383% | 7,249 |
| Total domestic deposits to total assets | 83.8734% | 4,161 |
| Equity capital to assets | 15.8198% | 702 |
| Core capital (leverage) ratio | 14.6746% | 789 |
| Tier 1 risk-based capital ratio | 30.4885% | 483 |
| Total risk-based capital ratio | 31.7694% | 476 |
| Memoranda: | ||
| Average total assets | $88,549,330 | 5,435 |
| Average earning assets | $84,642,670 | 5,276 |
| Average equity | $13,964,000 | 4,210 |
| Average total loans | $39,065,000 | 6,084 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8253% | 7,575 |
| Cost of funding earning assets | 1.5572% | 3,221 |
| Net interest margin | 2.2680% | 7,613 |
| Noninterest income to average assets | 0.1483% | 6,909 |
| Noninterest expense to average assets | 1.8970% | 7,336 |
| Loan and lease loss provision to assets | 0.0899% | 5,735 |
| Net operating income to assets | 0.3126% | 5,242 |
| Return on assets (ROA) | 0.3371% | 5,256 |
| Pretax return on assets | 0.3686% | 5,386 |
| Return on Equity (ROE) | 2.1413% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.1413% | 4,850 |
| Net charge-offs to loans | -0.0300% | 7,195 |
| Credit loss provision to net charge-offs | -666.6667% | 6,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4672% | 2,355 |
| Assets per employee ($millions) | 4.0509% | 3,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9714% | 101 |
| Loan loss allowance to noncurrent loans | 81.3970% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 3.3999% | 2,088 |
| Noncurrent loans to loans | 7.3362% | 789 |
| Net loans and leases to total assets | 41.5927% | 7,151 |
| Net loans and leases to deposits | 49.5601% | 7,151 |
| Net loans and leases to core deposits | 49.9609% | 7,286 |
| Total domestic deposits to total assets | 83.9237% | 4,175 |
| Equity capital to assets | 15.7396% | 712 |
| Core capital (leverage) ratio | 14.5989% | 833 |
| Tier 1 risk-based capital ratio | 31.6717% | 446 |
| Total risk-based capital ratio | 32.9763% | 439 |
| Memoranda: | ||
| Average total assets | $88,983,500 | 5,485 |
| Average earning assets | $85,536,500 | 5,320 |
| Average equity | $14,010,500 | 4,241 |
| Average total loans | $39,971,500 | 6,121 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 7,712 |
| Cost of funding earning assets | 1.8151% | 3,911 |
| Net interest margin | 2.1408% | 7,679 |
| Noninterest income to average assets | 0.1252% | 7,123 |
| Noninterest expense to average assets | 2.2083% | 6,972 |
| Loan and lease loss provision to assets | 2.9846% | 582 |
| Net operating income to assets | -1.7609% | 6,997 |
| Return on assets (ROA) | -1.7609% | 6,998 |
| Pretax return on assets | -3.0028% | 7,291 |
| Return on Equity (ROE) | -10.1302% | 6,638 |
| Retained earnings to average equity (ytd only) | -13.0769% | 6,764 |
| Net charge-offs to loans | 2.5661% | 891 |
| Credit loss provision to net charge-offs | 255.8049% | 1,375 |
| Earnings coverage of net charge-offs (x) | -0.0156% | 6,220 |
| Efficiency ratio | 100.8316% | 1,065 |
| Assets per employee ($millions) | 4.0385% | 3,737 |
| Cash dividends to net income (ytd only)* | -29.0886% | 7,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7524% | 112 |
| Loan loss allowance to noncurrent loans | 93.5018% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 3.4272% | 1,962 |
| Noncurrent loans to loans | 6.1522% | 1,014 |
| Net loans and leases to total assets | 42.9846% | 7,185 |
| Net loans and leases to deposits | 51.2576% | 7,189 |
| Net loans and leases to core deposits | 58.3675% | 7,328 |
| Total domestic deposits to total assets | 83.8601% | 4,098 |
| Equity capital to assets | 15.7505% | 734 |
| Core capital (leverage) ratio | 14.8916% | 807 |
| Tier 1 risk-based capital ratio | 31.4767% | 460 |
| Total risk-based capital ratio | 32.7811% | 450 |
| Memoranda: | ||
| Average total assets | $87,852,000 | 5,454 |
| Average earning assets | $84,734,000 | 5,305 |
| Average equity | $15,271,200 | 4,018 |
| Average total loans | $39,943,600 | 6,111 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 7,798 |
| Cost of funding earning assets | 1.8574% | 4,111 |
| Net interest margin | 2.1599% | 7,729 |
| Noninterest income to average assets | 0.1096% | 7,357 |
| Noninterest expense to average assets | 2.1262% | 7,139 |
| Loan and lease loss provision to assets | 0.5433% | 3,218 |
| Net operating income to assets | -0.1720% | 6,013 |
| Return on assets (ROA) | -0.1720% | 6,026 |
| Pretax return on assets | -0.4733% | 6,266 |
| Return on Equity (ROE) | -0.9664% | 5,924 |
| Retained earnings to average equity (ytd only) | -4.8148% | 6,231 |
| Net charge-offs to loans | 0.2312% | 4,610 |
| Credit loss provision to net charge-offs | 517.3913% | 760 |
| Earnings coverage of net charge-offs (x) | 0.6666% | 5,364 |
| Efficiency ratio | 96.8122% | 1,225 |
| Assets per employee ($millions) | 3.6682% | 4,502 |
| Cash dividends to net income (ytd only)* | -398.2411% | 8,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5729% | 995 |
| Loan loss allowance to noncurrent loans | 31.0073% | 6,381 |
| Noncurrent assets plus other real estate owned to assets | 4.5231% | 1,347 |
| Noncurrent loans to loans | 8.2977% | 571 |
| Net loans and leases to total assets | 43.9593% | 7,250 |
| Net loans and leases to deposits | 53.5240% | 7,238 |
| Net loans and leases to core deposits | 60.8874% | 7,368 |
| Total domestic deposits to total assets | 82.1300% | 4,626 |
| Equity capital to assets | 17.4610% | 567 |
| Core capital (leverage) ratio | 17.2183% | 521 |
| Tier 1 risk-based capital ratio | 37.3470% | 327 |
| Total risk-based capital ratio | 38.6129% | 319 |
| Memoranda: | ||
| Average total assets | $87,603,000 | 5,495 |
| Average earning assets | $84,630,250 | 5,352 |
| Average equity | $15,590,500 | 3,986 |
| Average total loans | $39,799,000 | 6,166 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 7,829 |
| Cost of funding earning assets | 1.9169% | 4,181 |
| Net interest margin | 2.2771% | 7,692 |
| Noninterest income to average assets | 0.1852% | 6,967 |
| Noninterest expense to average assets | 2.1702% | 7,121 |
| Loan and lease loss provision to assets | 0.1303% | 5,792 |
| Net operating income to assets | 0.1555% | 5,404 |
| Return on assets (ROA) | 0.2104% | 5,305 |
| Pretax return on assets | 0.1372% | 5,590 |
| Return on Equity (ROE) | 1.1747% | 5,584 |
| Retained earnings to average equity (ytd only) | -4.5712% | 6,235 |
| Net charge-offs to loans | 0.1004% | 5,159 |
| Credit loss provision to net charge-offs | 285.0000% | 1,644 |
| Earnings coverage of net charge-offs (x) | 4.6500% | 3,043 |
| Efficiency ratio | 91.0749% | 1,725 |
| Assets per employee ($millions) | 3.6316% | 4,494 |
| Cash dividends to net income (ytd only)* | 489.1304% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9404% | 1,694 |
| Loan loss allowance to noncurrent loans | 92.6683% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.8633% | 3,382 |
| Noncurrent loans to loans | 2.0939% | 3,390 |
| Net loans and leases to total assets | 44.7050% | 7,285 |
| Net loans and leases to deposits | 54.7439% | 7,230 |
| Net loans and leases to core deposits | 61.2141% | 7,403 |
| Total domestic deposits to total assets | 81.6620% | 4,827 |
| Equity capital to assets | 17.8217% | 569 |
| Core capital (leverage) ratio | 17.5637% | 554 |
| Tier 1 risk-based capital ratio | 36.7168% | 377 |
| Total risk-based capital ratio | 37.9733% | 368 |
| Memoranda: | ||
| Average total assets | $87,458,670 | 5,538 |
| Average earning assets | $84,405,330 | 5,399 |
| Average equity | $15,663,330 | 3,989 |
| Average total loans | $39,824,670 | 6,213 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 7,839 |
| Cost of funding earning assets | 1.9750% | 4,262 |
| Net interest margin | 2.3482% | 7,670 |
| Noninterest income to average assets | 0.2374% | 6,559 |
| Noninterest expense to average assets | 2.2190% | 6,809 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2714% | 5,404 |
| Return on assets (ROA) | 0.3744% | 5,146 |
| Pretax return on assets | 0.3972% | 5,404 |
| Return on Equity (ROE) | 2.0854% | 5,747 |
| Retained earnings to average equity (ytd only) | -9.3588% | 7,044 |
| Net charge-offs to loans | 0.0301% | 5,104 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,348 |
| Efficiency ratio | 88.5246% | 1,844 |
| Assets per employee ($millions) | 3.6459% | 4,460 |
| Cash dividends to net income (ytd only)* | 548.7805% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8709% | 1,688 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.8811% | 3,089 |
| Noncurrent loans to loans | 1.8709% | 3,457 |
| Net loans and leases to total assets | 43.8173% | 7,359 |
| Net loans and leases to deposits | 53.6343% | 7,313 |
| Net loans and leases to core deposits | 59.7733% | 7,467 |
| Total domestic deposits to total assets | 81.6964% | 4,680 |
| Equity capital to assets | 17.7710% | 636 |
| Core capital (leverage) ratio | 17.4481% | 606 |
| Tier 1 risk-based capital ratio | 37.3653% | 372 |
| Total risk-based capital ratio | 38.6206% | 367 |
| Memoranda: | ||
| Average total assets | $87,609,000 | 5,561 |
| Average earning assets | $84,660,000 | 5,408 |
| Average equity | $15,728,500 | 3,997 |
| Average total loans | $39,869,500 | 6,245 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5089% | 7,281 |
| Cost of funding earning assets | 2.4912% | 4,252 |
| Net interest margin | 3.0177% | 6,862 |
| Noninterest income to average assets | 0.1349% | 7,430 |
| Noninterest expense to average assets | 2.1764% | 7,031 |
| Loan and lease loss provision to assets | 0.2913% | 4,048 |
| Net operating income to assets | 0.5018% | 4,727 |
| Return on assets (ROA) | 0.5018% | 4,571 |
| Pretax return on assets | 0.5989% | 4,696 |
| Return on Equity (ROE) | 2.9144% | 5,267 |
| Retained earnings to average equity (ytd only) | -3.2904% | 6,174 |
| Net charge-offs to loans | 0.9897% | 1,252 |
| Credit loss provision to net charge-offs | 69.2308% | 6,082 |
| Earnings coverage of net charge-offs (x) | 2.1154% | 5,012 |
| Efficiency ratio | 70.9711% | 4,139 |
| Assets per employee ($millions) | 3.6548% | 4,276 |
| Cash dividends to net income (ytd only)* | 212.9032% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8049% | 1,621 |
| Loan loss allowance to noncurrent loans | 71.1240% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.6132% | 3,019 |
| Noncurrent loans to loans | 2.5377% | 2,143 |
| Net loans and leases to total assets | 45.5253% | 7,368 |
| Net loans and leases to deposits | 56.0353% | 7,319 |
| Net loans and leases to core deposits | 62.4890% | 7,496 |
| Total domestic deposits to total assets | 81.2440% | 4,534 |
| Equity capital to assets | 18.1347% | 631 |
| Core capital (leverage) ratio | 17.9905% | 606 |
| Tier 1 risk-based capital ratio | 37.6475% | 378 |
| Total risk-based capital ratio | 38.9042% | 372 |
| Memoranda: | ||
| Average total assets | $92,675,400 | 5,272 |
| Average earning assets | $90,036,800 | 5,080 |
| Average equity | $15,955,400 | 3,937 |
| Average total loans | $39,406,600 | 6,198 |