Home > Family Federal Savings, F.A. > Performance and Condition Ratios
Family Federal Savings, F.A., Performance and Condition Ratios
| 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 | 3.4005% | 4,916 |
| Cost of funding earning assets | 0.9371% | 2,027 |
| Net interest margin | 2.4634% | 4,984 |
| Noninterest income to average assets | 0.3710% | 3,481 |
| Noninterest expense to average assets | 4.8633% | 240 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -1.7524% | 5,125 |
| Return on assets (ROA) | -1.7524% | 5,126 |
| Pretax return on assets | -2.2042% | 5,133 |
| Return on Equity (ROE) | -15.0896% | 5,144 |
| Retained earnings to average equity (ytd only) | -15.0896% | 5,114 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.8917% | 24 |
| Assets per employee ($millions) | 5.1473% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6502% | 4,655 |
| Loan loss allowance to noncurrent loans | 52.6185% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8656% | 1,480 |
| Noncurrent loans to loans | 1.2357% | 1,211 |
| Net loans and leases to total assets | 69.5959% | 2,463 |
| Net loans and leases to deposits | 80.5894% | 2,714 |
| Net loans and leases to core deposits | 86.5426% | 2,751 |
| Total domestic deposits to total assets | 86.3586% | 1,906 |
| Equity capital to assets | 10.9539% | 3,051 |
| Core capital (leverage) ratio | 10.8041% | 2,673 |
| Tier 1 risk-based capital ratio | 21.0906% | 1,150 |
| Total risk-based capital ratio | 21.9733% | 1,179 |
| Memoranda: | ||
| Average total assets | $96,498,200 | 4,055 |
| Average earning assets | $89,633,800 | 4,051 |
| Average equity | $11,206,400 | 4,091 |
| Average total loans | $66,611,600 | 3,842 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 5,026 |
| Cost of funding earning assets | 0.9301% | 2,081 |
| Net interest margin | 2.4696% | 5,080 |
| Noninterest income to average assets | 0.3681% | 3,509 |
| Noninterest expense to average assets | 3.6347% | 813 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -0.9566% | 5,173 |
| Return on assets (ROA) | -0.9566% | 5,177 |
| Pretax return on assets | -0.9703% | 5,172 |
| Return on Equity (ROE) | -8.1426% | 5,189 |
| Retained earnings to average equity (ytd only) | -8.1426% | 5,127 |
| Net charge-offs to loans | -0.0119% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 136.4150% | 55 |
| Assets per employee ($millions) | 5.3098% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 4,734 |
| Loan loss allowance to noncurrent loans | 49.9417% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,516 |
| Noncurrent loans to loans | 1.3016% | 1,187 |
| Net loans and leases to total assets | 68.4391% | 2,724 |
| Net loans and leases to deposits | 78.9418% | 3,014 |
| Net loans and leases to core deposits | 86.5421% | 2,865 |
| Total domestic deposits to total assets | 86.6955% | 1,684 |
| Equity capital to assets | 11.6555% | 2,555 |
| Core capital (leverage) ratio | 11.5084% | 2,210 |
| Tier 1 risk-based capital ratio | 22.8101% | 966 |
| Total risk-based capital ratio | 23.6916% | 988 |
| Memoranda: | ||
| Average total assets | $97,428,250 | 4,085 |
| Average earning assets | $90,593,000 | 4,084 |
| Average equity | $11,445,750 | 4,100 |
| Average total loans | $67,038,500 | 3,878 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4089% | 5,078 |
| Cost of funding earning assets | 0.9345% | 1,981 |
| Net interest margin | 2.4744% | 5,142 |
| Noninterest income to average assets | 0.3631% | 3,504 |
| Noninterest expense to average assets | 2.7538% | 2,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -0.0775% | 5,125 |
| Return on assets (ROA) | -0.0775% | 5,129 |
| Pretax return on assets | -0.0898% | 5,130 |
| Return on Equity (ROE) | -0.6581% | 5,132 |
| Retained earnings to average equity (ytd only) | -0.6581% | 4,783 |
| Net charge-offs to loans | -0.0178% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3691% | 137 |
| Assets per employee ($millions) | 5.3191% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6436% | 4,802 |
| Loan loss allowance to noncurrent loans | 49.6520% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 0.9003% | 1,542 |
| Noncurrent loans to loans | 1.2961% | 1,217 |
| Net loans and leases to total assets | 69.0142% | 2,675 |
| Net loans and leases to deposits | 80.2042% | 2,929 |
| Net loans and leases to core deposits | 88.9842% | 2,698 |
| Total domestic deposits to total assets | 86.0482% | 2,012 |
| Equity capital to assets | 12.2723% | 2,005 |
| Core capital (leverage) ratio | 12.0910% | 1,765 |
| Tier 1 risk-based capital ratio | 23.7927% | 868 |
| Total risk-based capital ratio | 24.6604% | 885 |
| Memoranda: | ||
| Average total assets | $98,045,330 | 4,097 |
| Average earning assets | $91,173,330 | 4,095 |
| Average equity | $11,547,670 | 4,106 |
| Average total loans | $67,438,000 | 3,895 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3552% | 5,148 |
| Cost of funding earning assets | 0.9146% | 1,941 |
| Net interest margin | 2.4405% | 5,210 |
| Noninterest income to average assets | 0.3911% | 3,248 |
| Noninterest expense to average assets | 2.6614% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0040% | 5,146 |
| Return on assets (ROA) | 0.0040% | 5,149 |
| Pretax return on assets | 0.0000% | 5,142 |
| Return on Equity (ROE) | 0.0349% | 5,148 |
| Retained earnings to average equity (ytd only) | 0.0349% | 4,523 |
| Net charge-offs to loans | -0.0353% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 174 |
| Assets per employee ($millions) | 5.7585% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6305% | 4,881 |
| Loan loss allowance to noncurrent loans | 49.2520% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8877% | 1,589 |
| Noncurrent loans to loans | 1.2802% | 1,279 |
| Net loans and leases to total assets | 68.9021% | 2,639 |
| Net loans and leases to deposits | 79.5666% | 2,885 |
| Net loans and leases to core deposits | 91.9540% | 2,304 |
| Total domestic deposits to total assets | 86.5967% | 2,010 |
| Equity capital to assets | 11.7627% | 2,181 |
| Core capital (leverage) ratio | 12.0279% | 1,756 |
| Tier 1 risk-based capital ratio | 23.4791% | 892 |
| Total risk-based capital ratio | 24.3325% | 906 |
| Memoranda: | ||
| Average total assets | $99,196,000 | 4,118 |
| Average earning assets | $92,276,000 | 4,107 |
| Average equity | $11,446,500 | 4,135 |
| Average total loans | $67,904,500 | 3,920 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2848% | 5,093 |
| Cost of funding earning assets | 0.7847% | 1,610 |
| Net interest margin | 2.5001% | 5,215 |
| Noninterest income to average assets | 0.3885% | 3,507 |
| Noninterest expense to average assets | 2.6292% | 3,245 |
| Loan and lease loss provision to assets | 0.0201% | 3,758 |
| Net operating income to assets | 0.0876% | 5,190 |
| Return on assets (ROA) | 0.0876% | 5,181 |
| Pretax return on assets | 0.0644% | 5,202 |
| Return on Equity (ROE) | 0.7725% | 5,181 |
| Retained earnings to average equity (ytd only) | 0.7725% | 4,782 |
| Net charge-offs to loans | -0.0074% | 4,423 |
| Credit loss provision to net charge-offs | -400.0000% | 4,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8843% | 194 |
| Assets per employee ($millions) | 5.5832% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6212% | 4,936 |
| Loan loss allowance to noncurrent loans | 48.3391% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 1,604 |
| Noncurrent loans to loans | 1.2851% | 1,236 |
| Net loans and leases to total assets | 67.1735% | 2,977 |
| Net loans and leases to deposits | 77.1705% | 3,261 |
| Net loans and leases to core deposits | 89.3057% | 2,625 |
| Total domestic deposits to total assets | 87.0455% | 1,767 |
| Equity capital to assets | 11.3216% | 2,394 |
| Core capital (leverage) ratio | 11.8207% | 1,855 |
| Tier 1 risk-based capital ratio | 23.3167% | 881 |
| Total risk-based capital ratio | 24.1524% | 896 |
| Memoranda: | ||
| Average total assets | $99,344,000 | 4,112 |
| Average earning assets | $92,396,000 | 4,092 |
| Average equity | $11,262,800 | 4,121 |
| Average total loans | $67,625,600 | 3,923 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 5,154 |
| Cost of funding earning assets | 0.7496% | 1,585 |
| Net interest margin | 2.5135% | 5,278 |
| Noninterest income to average assets | 0.3944% | 3,518 |
| Noninterest expense to average assets | 2.6368% | 3,176 |
| Loan and lease loss provision to assets | 0.0202% | 3,603 |
| Net operating income to assets | 0.0969% | 5,259 |
| Return on assets (ROA) | 0.0969% | 5,251 |
| Pretax return on assets | 0.0754% | 5,258 |
| Return on Equity (ROE) | 0.8545% | 5,249 |
| Retained earnings to average equity (ytd only) | 0.8545% | 4,891 |
| Net charge-offs to loans | -0.0237% | 4,680 |
| Credit loss provision to net charge-offs | -125.0000% | 4,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5025% | 194 |
| Assets per employee ($millions) | 5.4806% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6205% | 5,009 |
| Loan loss allowance to noncurrent loans | 48.3466% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 1,656 |
| Noncurrent loans to loans | 1.2835% | 1,315 |
| Net loans and leases to total assets | 68.8353% | 2,815 |
| Net loans and leases to deposits | 79.0119% | 3,136 |
| Net loans and leases to core deposits | 92.3200% | 2,444 |
| Total domestic deposits to total assets | 87.1201% | 1,678 |
| Equity capital to assets | 11.2499% | 2,429 |
| Core capital (leverage) ratio | 11.8413% | 1,885 |
| Tier 1 risk-based capital ratio | 23.7474% | 865 |
| Total risk-based capital ratio | 24.6037% | 885 |
| Memoranda: | ||
| Average total assets | $99,055,500 | 4,157 |
| Average earning assets | $92,138,500 | 4,140 |
| Average equity | $11,234,000 | 4,167 |
| Average total loans | $67,549,500 | 3,956 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2629% | 5,175 |
| Cost of funding earning assets | 0.7193% | 1,530 |
| Net interest margin | 2.5436% | 5,312 |
| Noninterest income to average assets | 0.4073% | 3,434 |
| Noninterest expense to average assets | 2.6615% | 3,129 |
| Loan and lease loss provision to assets | 0.0202% | 3,501 |
| Net operating income to assets | 0.1109% | 5,285 |
| Return on assets (ROA) | 0.1109% | 5,277 |
| Pretax return on assets | 0.0928% | 5,295 |
| Return on Equity (ROE) | 0.9752% | 5,274 |
| Retained earnings to average equity (ytd only) | 0.9752% | 4,763 |
| Net charge-offs to loans | -0.0357% | 4,800 |
| Credit loss provision to net charge-offs | -83.3333% | 4,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9302% | 224 |
| Assets per employee ($millions) | 5.5220% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6146% | 5,077 |
| Loan loss allowance to noncurrent loans | 60.1148% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 0.7012% | 2,129 |
| Noncurrent loans to loans | 1.0224% | 1,722 |
| Net loans and leases to total assets | 68.1657% | 2,838 |
| Net loans and leases to deposits | 79.1454% | 3,038 |
| Net loans and leases to core deposits | 91.0807% | 2,476 |
| Total domestic deposits to total assets | 86.1272% | 2,223 |
| Equity capital to assets | 11.2520% | 2,406 |
| Core capital (leverage) ratio | 11.8508% | 1,803 |
| Tier 1 risk-based capital ratio | 23.8858% | 845 |
| Total risk-based capital ratio | 24.7381% | 860 |
| Memoranda: | ||
| Average total assets | $99,190,670 | 4,187 |
| Average earning assets | $92,309,330 | 4,173 |
| Average equity | $11,279,330 | 4,187 |
| Average total loans | $67,289,330 | 3,991 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2606% | 5,184 |
| Cost of funding earning assets | 0.6981% | 1,458 |
| Net interest margin | 2.5625% | 5,345 |
| Noninterest income to average assets | 0.4279% | 3,259 |
| Noninterest expense to average assets | 2.6603% | 3,159 |
| Loan and lease loss provision to assets | 0.0202% | 3,272 |
| Net operating income to assets | 0.1413% | 5,294 |
| Return on assets (ROA) | 0.1413% | 5,290 |
| Pretax return on assets | 0.1332% | 5,317 |
| Return on Equity (ROE) | 1.2360% | 5,286 |
| Retained earnings to average equity (ytd only) | 1.2360% | 4,569 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5481% | 283 |
| Assets per employee ($millions) | 5.5430% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6078% | 5,170 |
| Loan loss allowance to noncurrent loans | 72.4324% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 2,666 |
| Noncurrent loans to loans | 0.8392% | 2,139 |
| Net loans and leases to total assets | 65.8849% | 3,049 |
| Net loans and leases to deposits | 75.5039% | 3,269 |
| Net loans and leases to core deposits | 88.9827% | 2,543 |
| Total domestic deposits to total assets | 87.2602% | 2,020 |
| Equity capital to assets | 11.2214% | 2,372 |
| Core capital (leverage) ratio | 11.8068% | 1,775 |
| Tier 1 risk-based capital ratio | 24.6349% | 778 |
| Total risk-based capital ratio | 25.4796% | 798 |
| Memoranda: | ||
| Average total assets | $99,088,000 | 4,236 |
| Average earning assets | $92,253,500 | 4,225 |
| Average equity | $11,327,000 | 4,221 |
| Average total loans | $66,847,500 | 4,038 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2167% | 5,170 |
| Cost of funding earning assets | 0.5874% | 1,692 |
| Net interest margin | 2.6293% | 5,333 |
| Noninterest income to average assets | 0.4546% | 3,279 |
| Noninterest expense to average assets | 2.7617% | 2,917 |
| Loan and lease loss provision to assets | 0.0247% | 3,801 |
| Net operating income to assets | -0.0123% | 5,371 |
| Return on assets (ROA) | -0.0103% | 5,371 |
| Pretax return on assets | 0.1124% | 5,366 |
| Return on Equity (ROE) | -0.0865% | 5,373 |
| Retained earnings to average equity (ytd only) | -0.0865% | 5,043 |
| Net charge-offs to loans | 0.0181% | 3,499 |
| Credit loss provision to net charge-offs | 200.0000% | 1,355 |
| Earnings coverage of net charge-offs (x) | 10.8333% | 2,629 |
| Efficiency ratio | 95.3720% | 262 |
| Assets per employee ($millions) | 5.4668% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5877% | 5,265 |
| Loan loss allowance to noncurrent loans | 61.4551% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 2,356 |
| Noncurrent loans to loans | 0.9562% | 1,852 |
| Net loans and leases to total assets | 68.2506% | 2,787 |
| Net loans and leases to deposits | 78.5865% | 3,053 |
| Net loans and leases to core deposits | 92.2287% | 2,359 |
| Total domestic deposits to total assets | 86.8478% | 2,067 |
| Equity capital to assets | 11.6441% | 2,079 |
| Core capital (leverage) ratio | 11.5695% | 1,894 |
| Tier 1 risk-based capital ratio | 24.2917% | 795 |
| Total risk-based capital ratio | 25.1169% | 809 |
| Memoranda: | ||
| Average total assets | $97,005,600 | 4,290 |
| Average earning assets | $90,061,400 | 4,287 |
| Average equity | $11,560,600 | 4,216 |
| Average total loans | $66,327,200 | 4,043 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1951% | 5,235 |
| Cost of funding earning assets | 0.5769% | 1,695 |
| Net interest margin | 2.6182% | 5,393 |
| Noninterest income to average assets | 0.4787% | 3,158 |
| Noninterest expense to average assets | 2.7657% | 2,839 |
| Loan and lease loss provision to assets | 0.0248% | 3,645 |
| Net operating income to assets | 0.1324% | 5,415 |
| Return on assets (ROA) | 0.1366% | 5,418 |
| Pretax return on assets | 0.1214% | 5,447 |
| Return on Equity (ROE) | 1.1393% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.1393% | 4,934 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1139% | 264 |
| Assets per employee ($millions) | 5.2163% | 2,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5970% | 5,330 |
| Loan loss allowance to noncurrent loans | 61.2462% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6639% | 2,508 |
| Noncurrent loans to loans | 0.9748% | 1,974 |
| Net loans and leases to total assets | 67.7042% | 2,884 |
| Net loans and leases to deposits | 78.1016% | 3,152 |
| Net loans and leases to core deposits | 89.7420% | 2,632 |
| Total domestic deposits to total assets | 86.6874% | 2,002 |
| Equity capital to assets | 11.7679% | 2,136 |
| Core capital (leverage) ratio | 12.0211% | 1,671 |
| Tier 1 risk-based capital ratio | 24.5825% | 797 |
| Total risk-based capital ratio | 25.4249% | 814 |
| Memoranda: | ||
| Average total assets | $96,656,500 | 4,337 |
| Average earning assets | $89,677,500 | 4,339 |
| Average equity | $11,586,250 | 4,249 |
| Average total loans | $66,019,750 | 4,085 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1997% | 5,243 |
| Cost of funding earning assets | 0.5760% | 1,607 |
| Net interest margin | 2.6237% | 5,420 |
| Noninterest income to average assets | 0.5217% | 2,887 |
| Noninterest expense to average assets | 2.7901% | 2,801 |
| Loan and lease loss provision to assets | 0.0250% | 3,498 |
| Net operating income to assets | 0.1461% | 5,454 |
| Return on assets (ROA) | 0.1503% | 5,451 |
| Pretax return on assets | 0.1440% | 5,474 |
| Return on Equity (ROE) | 1.2456% | 5,443 |
| Retained earnings to average equity (ytd only) | 1.2456% | 4,748 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4209% | 298 |
| Assets per employee ($millions) | 5.3322% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 5,375 |
| Loan loss allowance to noncurrent loans | 59.9698% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 2,489 |
| Noncurrent loans to loans | 1.0060% | 1,949 |
| Net loans and leases to total assets | 68.1507% | 2,794 |
| Net loans and leases to deposits | 78.9387% | 3,027 |
| Net loans and leases to core deposits | 89.8663% | 2,542 |
| Total domestic deposits to total assets | 86.3336% | 2,226 |
| Equity capital to assets | 12.1671% | 1,818 |
| Core capital (leverage) ratio | 12.2314% | 1,510 |
| Tier 1 risk-based capital ratio | 25.4589% | 706 |
| Total risk-based capital ratio | 26.3204% | 728 |
| Memoranda: | ||
| Average total assets | $95,839,000 | 4,380 |
| Average earning assets | $88,882,000 | 4,380 |
| Average equity | $11,560,670 | 4,267 |
| Average total loans | $65,525,000 | 4,113 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 5,263 |
| Cost of funding earning assets | 0.5952% | 1,408 |
| Net interest margin | 2.5884% | 5,479 |
| Noninterest income to average assets | 0.4970% | 3,005 |
| Noninterest expense to average assets | 2.7358% | 3,010 |
| Loan and lease loss provision to assets | 0.0251% | 3,247 |
| Net operating income to assets | 0.1420% | 5,464 |
| Return on assets (ROA) | 0.1462% | 5,473 |
| Pretax return on assets | 0.1378% | 5,493 |
| Return on Equity (ROE) | 1.2172% | 5,457 |
| Retained earnings to average equity (ytd only) | 1.2172% | 4,588 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5166% | 363 |
| Assets per employee ($millions) | 5.0562% | 2,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6026% | 5,472 |
| Loan loss allowance to noncurrent loans | 58.5329% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 0.8567% | 2,165 |
| Noncurrent loans to loans | 1.0295% | 2,000 |
| Net loans and leases to total assets | 67.1354% | 2,797 |
| Net loans and leases to deposits | 78.0641% | 2,957 |
| Net loans and leases to core deposits | 87.4864% | 2,592 |
| Total domestic deposits to total assets | 86.0004% | 2,662 |
| Equity capital to assets | 12.0031% | 1,840 |
| Core capital (leverage) ratio | 12.2581% | 1,466 |
| Tier 1 risk-based capital ratio | 25.5707% | 727 |
| Total risk-based capital ratio | 26.4256% | 739 |
| Memoranda: | ||
| Average total assets | $95,768,500 | 4,423 |
| Average earning assets | $88,703,500 | 4,428 |
| Average equity | $11,502,000 | 4,308 |
| Average total loans | $65,383,500 | 4,145 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1792% | 5,330 |
| Cost of funding earning assets | 0.6190% | 1,219 |
| Net interest margin | 2.5602% | 5,549 |
| Noninterest income to average assets | 0.5630% | 2,851 |
| Noninterest expense to average assets | 2.9296% | 2,560 |
| Loan and lease loss provision to assets | 0.0257% | 3,841 |
| Net operating income to assets | 0.0503% | 5,611 |
| Return on assets (ROA) | 0.1895% | 5,486 |
| Pretax return on assets | 0.1199% | 5,574 |
| Return on Equity (ROE) | 1.5250% | 5,484 |
| Retained earnings to average equity (ytd only) | 1.5250% | 4,652 |
| Net charge-offs to loans | 0.0573% | 2,903 |
| Credit loss provision to net charge-offs | 70.5882% | 3,130 |
| Earnings coverage of net charge-offs (x) | 0.1765% | 4,127 |
| Efficiency ratio | 99.7813% | 227 |
| Assets per employee ($millions) | 5.0247% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5844% | 5,559 |
| Loan loss allowance to noncurrent loans | 57.2917% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8662% | 2,181 |
| Noncurrent loans to loans | 1.0200% | 2,050 |
| Net loans and leases to total assets | 68.6037% | 2,686 |
| Net loans and leases to deposits | 81.5032% | 2,725 |
| Net loans and leases to core deposits | 90.2124% | 2,481 |
| Total domestic deposits to total assets | 84.1730% | 3,361 |
| Equity capital to assets | 12.0174% | 1,791 |
| Core capital (leverage) ratio | 12.5160% | 1,322 |
| Tier 1 risk-based capital ratio | 25.2737% | 747 |
| Total risk-based capital ratio | 26.1082% | 767 |
| Memoranda: | ||
| Average total assets | $93,425,800 | 4,482 |
| Average earning assets | $86,594,400 | 4,461 |
| Average equity | $11,606,800 | 4,315 |
| Average total loans | $59,329,000 | 4,324 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 5,385 |
| Cost of funding earning assets | 0.6160% | 1,234 |
| Net interest margin | 2.5692% | 5,610 |
| Noninterest income to average assets | 0.5998% | 2,660 |
| Noninterest expense to average assets | 2.9460% | 2,477 |
| Loan and lease loss provision to assets | 0.0201% | 3,835 |
| Net operating income to assets | 0.0258% | 5,699 |
| Return on assets (ROA) | 0.2109% | 5,510 |
| Pretax return on assets | 0.2009% | 5,567 |
| Return on Equity (ROE) | 1.6838% | 5,526 |
| Retained earnings to average equity (ytd only) | 1.6838% | 4,834 |
| Net charge-offs to loans | 0.0786% | 2,198 |
| Credit loss provision to net charge-offs | 41.1765% | 3,141 |
| Earnings coverage of net charge-offs (x) | 0.7353% | 3,766 |
| Efficiency ratio | 98.7969% | 246 |
| Assets per employee ($millions) | 4.8925% | 2,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6154% | 5,579 |
| Loan loss allowance to noncurrent loans | 40.6284% | 4,953 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 1,733 |
| Noncurrent loans to loans | 1.5147% | 1,427 |
| Net loans and leases to total assets | 65.1509% | 3,251 |
| Net loans and leases to deposits | 78.2094% | 3,165 |
| Net loans and leases to core deposits | 83.8834% | 3,133 |
| Total domestic deposits to total assets | 83.3032% | 3,480 |
| Equity capital to assets | 12.6606% | 1,672 |
| Core capital (leverage) ratio | 12.5765% | 1,368 |
| Tier 1 risk-based capital ratio | 26.7062% | 664 |
| Total risk-based capital ratio | 27.5673% | 674 |
| Memoranda: | ||
| Average total assets | $92,914,750 | 4,529 |
| Average earning assets | $86,145,250 | 4,506 |
| Average equity | $11,640,250 | 4,349 |
| Average total loans | $57,691,000 | 4,389 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2094% | 5,416 |
| Cost of funding earning assets | 0.6084% | 1,262 |
| Net interest margin | 2.6009% | 5,664 |
| Noninterest income to average assets | 0.6372% | 2,429 |
| Noninterest expense to average assets | 2.9903% | 2,381 |
| Loan and lease loss provision to assets | 0.0258% | 3,617 |
| Net operating income to assets | 0.0324% | 5,741 |
| Return on assets (ROA) | 0.2454% | 5,504 |
| Pretax return on assets | 0.2519% | 5,558 |
| Return on Equity (ROE) | 1.9660% | 5,515 |
| Retained earnings to average equity (ytd only) | 1.9660% | 4,580 |
| Net charge-offs to loans | 0.1201% | 1,631 |
| Credit loss provision to net charge-offs | 35.2941% | 2,813 |
| Earnings coverage of net charge-offs (x) | 0.7941% | 3,483 |
| Efficiency ratio | 98.0932% | 280 |
| Assets per employee ($millions) | 4.9215% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 5,638 |
| Loan loss allowance to noncurrent loans | 58.0997% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 0.8523% | 2,456 |
| Noncurrent loans to loans | 1.0916% | 2,102 |
| Net loans and leases to total assets | 62.4963% | 3,562 |
| Net loans and leases to deposits | 74.8508% | 3,494 |
| Net loans and leases to core deposits | 81.5140% | 3,321 |
| Total domestic deposits to total assets | 83.4945% | 3,467 |
| Equity capital to assets | 12.5872% | 1,717 |
| Core capital (leverage) ratio | 12.5043% | 1,353 |
| Tier 1 risk-based capital ratio | 26.8941% | 659 |
| Total risk-based capital ratio | 27.7591% | 672 |
| Memoranda: | ||
| Average total assets | $92,900,330 | 4,564 |
| Average earning assets | $86,123,330 | 4,539 |
| Average equity | $11,597,330 | 4,382 |
| Average total loans | $56,608,670 | 4,454 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1927% | 5,490 |
| Cost of funding earning assets | 0.6059% | 1,300 |
| Net interest margin | 2.5868% | 5,734 |
| Noninterest income to average assets | 0.5875% | 2,606 |
| Noninterest expense to average assets | 3.0368% | 2,281 |
| Loan and lease loss provision to assets | 0.0259% | 3,333 |
| Net operating income to assets | -0.0753% | 5,832 |
| Return on assets (ROA) | 0.2937% | 5,403 |
| Pretax return on assets | 0.3067% | 5,496 |
| Return on Equity (ROE) | 2.3630% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.3630% | 4,305 |
| Net charge-offs to loans | 0.2450% | 839 |
| Credit loss provision to net charge-offs | 17.6471% | 2,313 |
| Earnings coverage of net charge-offs (x) | -0.3529% | 2,994 |
| Efficiency ratio | 101.7366% | 253 |
| Assets per employee ($millions) | 4.8547% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6667% | 5,654 |
| Loan loss allowance to noncurrent loans | 46.6328% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.0213% | 2,163 |
| Noncurrent loans to loans | 1.4298% | 1,660 |
| Net loans and leases to total assets | 59.2775% | 3,879 |
| Net loans and leases to deposits | 71.0506% | 3,748 |
| Net loans and leases to core deposits | 73.9238% | 3,901 |
| Total domestic deposits to total assets | 83.4300% | 3,742 |
| Equity capital to assets | 12.5587% | 1,648 |
| Core capital (leverage) ratio | 12.5660% | 1,311 |
| Tier 1 risk-based capital ratio | 27.1507% | 663 |
| Total risk-based capital ratio | 28.0134% | 677 |
| Memoranda: | ||
| Average total assets | $92,596,500 | 4,605 |
| Average earning assets | $85,820,000 | 4,580 |
| Average equity | $11,511,000 | 4,415 |
| Average total loans | $55,507,000 | 4,513 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2830% | 5,374 |
| Cost of funding earning assets | 0.6148% | 1,283 |
| Net interest margin | 2.6683% | 5,684 |
| Noninterest income to average assets | 0.5542% | 2,992 |
| Noninterest expense to average assets | 2.9235% | 2,786 |
| Loan and lease loss provision to assets | 0.0346% | 3,661 |
| Net operating income to assets | 0.0832% | 5,774 |
| Return on assets (ROA) | 0.2344% | 5,578 |
| Pretax return on assets | 0.2139% | 5,670 |
| Return on Equity (ROE) | 1.9036% | 5,589 |
| Retained earnings to average equity (ytd only) | 1.9036% | 4,640 |
| Net charge-offs to loans | 0.0218% | 3,832 |
| Credit loss provision to net charge-offs | 266.6667% | 1,084 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 3,076 |
| Efficiency ratio | 96.7811% | 373 |
| Assets per employee ($millions) | 4.8923% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7057% | 5,624 |
| Loan loss allowance to noncurrent loans | 40.7637% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 1.0425% | 2,103 |
| Noncurrent loans to loans | 1.7313% | 1,301 |
| Net loans and leases to total assets | 59.7876% | 3,869 |
| Net loans and leases to deposits | 71.3140% | 3,781 |
| Net loans and leases to core deposits | 74.3996% | 3,900 |
| Total domestic deposits to total assets | 83.8372% | 3,551 |
| Equity capital to assets | 12.3050% | 1,738 |
| Core capital (leverage) ratio | 12.4459% | 1,374 |
| Tier 1 risk-based capital ratio | 27.3366% | 637 |
| Total risk-based capital ratio | 28.2769% | 644 |
| Memoranda: | ||
| Average total assets | $92,560,000 | 4,616 |
| Average earning assets | $85,561,200 | 4,598 |
| Average equity | $11,399,600 | 4,407 |
| Average total loans | $55,143,800 | 4,526 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2900% | 5,426 |
| Cost of funding earning assets | 0.6152% | 1,312 |
| Net interest margin | 2.6748% | 5,751 |
| Noninterest income to average assets | 0.5754% | 2,875 |
| Noninterest expense to average assets | 2.9302% | 2,742 |
| Loan and lease loss provision to assets | 0.0389% | 3,431 |
| Net operating income to assets | 0.0880% | 5,867 |
| Return on assets (ROA) | 0.2884% | 5,561 |
| Pretax return on assets | 0.2769% | 5,677 |
| Return on Equity (ROE) | 2.3412% | 5,598 |
| Retained earnings to average equity (ytd only) | 2.3412% | 4,715 |
| Net charge-offs to loans | 0.0267% | 3,408 |
| Credit loss provision to net charge-offs | 245.4545% | 1,151 |
| Earnings coverage of net charge-offs (x) | 7.2706% | 2,935 |
| Efficiency ratio | 96.2121% | 412 |
| Assets per employee ($millions) | 4.7798% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 5,697 |
| Loan loss allowance to noncurrent loans | 40.1850% | 5,208 |
| Noncurrent assets plus other real estate owned to assets | 1.0714% | 2,222 |
| Noncurrent loans to loans | 1.7790% | 1,336 |
| Net loans and leases to total assets | 59.7934% | 3,906 |
| Net loans and leases to deposits | 71.7275% | 3,800 |
| Net loans and leases to core deposits | 74.9169% | 3,917 |
| Total domestic deposits to total assets | 83.3620% | 3,674 |
| Equity capital to assets | 12.6464% | 1,657 |
| Core capital (leverage) ratio | 12.5243% | 1,405 |
| Tier 1 risk-based capital ratio | 27.9236% | 626 |
| Total risk-based capital ratio | 28.8758% | 626 |
| Memoranda: | ||
| Average total assets | $92,461,500 | 4,666 |
| Average earning assets | $85,388,000 | 4,653 |
| Average equity | $11,390,000 | 4,463 |
| Average total loans | $54,937,250 | 4,578 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2826% | 5,469 |
| Cost of funding earning assets | 0.6076% | 1,363 |
| Net interest margin | 2.6749% | 5,797 |
| Noninterest income to average assets | 0.5935% | 2,780 |
| Noninterest expense to average assets | 2.9416% | 2,745 |
| Loan and lease loss provision to assets | 0.0387% | 3,342 |
| Net operating income to assets | 0.0823% | 5,899 |
| Return on assets (ROA) | 0.3096% | 5,513 |
| Pretax return on assets | 0.3182% | 5,629 |
| Return on Equity (ROE) | 2.5356% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.5356% | 4,440 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0000% | 436 |
| Assets per employee ($millions) | 4.8128% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6910% | 5,833 |
| Loan loss allowance to noncurrent loans | 35.1835% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 1.2215% | 2,068 |
| Noncurrent loans to loans | 1.9641% | 1,257 |
| Net loans and leases to total assets | 61.7613% | 3,587 |
| Net loans and leases to deposits | 73.7432% | 3,521 |
| Net loans and leases to core deposits | 77.9402% | 3,580 |
| Total domestic deposits to total assets | 83.7518% | 3,665 |
| Equity capital to assets | 12.3507% | 1,770 |
| Core capital (leverage) ratio | 12.5404% | 1,358 |
| Tier 1 risk-based capital ratio | 27.2510% | 694 |
| Total risk-based capital ratio | 28.1896% | 697 |
| Memoranda: | ||
| Average total assets | $93,010,000 | 4,702 |
| Average earning assets | $85,908,330 | 4,684 |
| Average equity | $11,358,330 | 4,494 |
| Average total loans | $55,018,670 | 4,613 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3064% | 5,439 |
| Cost of funding earning assets | 0.6087% | 1,374 |
| Net interest margin | 2.6977% | 5,807 |
| Noninterest income to average assets | 0.5459% | 2,981 |
| Noninterest expense to average assets | 2.9725% | 2,666 |
| Loan and lease loss provision to assets | 0.0384% | 3,139 |
| Net operating income to assets | 0.0285% | 5,980 |
| Return on assets (ROA) | 0.4051% | 5,166 |
| Pretax return on assets | 0.4222% | 5,383 |
| Return on Equity (ROE) | 3.3361% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.3361% | 3,979 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7560% | 437 |
| Assets per employee ($millions) | 4.8859% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 5,921 |
| Loan loss allowance to noncurrent loans | 37.3541% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 1.1074% | 2,423 |
| Noncurrent loans to loans | 1.8476% | 1,454 |
| Net loans and leases to total assets | 59.5230% | 3,724 |
| Net loans and leases to deposits | 70.8714% | 3,658 |
| Net loans and leases to core deposits | 74.6605% | 3,720 |
| Total domestic deposits to total assets | 83.9874% | 3,821 |
| Equity capital to assets | 12.3598% | 1,779 |
| Core capital (leverage) ratio | 12.1591% | 1,542 |
| Tier 1 risk-based capital ratio | 26.5904% | 747 |
| Total risk-based capital ratio | 27.4891% | 750 |
| Memoranda: | ||
| Average total assets | $93,793,000 | 4,727 |
| Average earning assets | $86,742,000 | 4,702 |
| Average equity | $11,390,500 | 4,526 |
| Average total loans | $54,093,000 | 4,670 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3990% | 5,534 |
| Cost of funding earning assets | 0.6680% | 1,280 |
| Net interest margin | 2.7310% | 5,896 |
| Noninterest income to average assets | 0.4851% | 3,619 |
| Noninterest expense to average assets | 2.8197% | 3,415 |
| Loan and lease loss provision to assets | 0.0627% | 3,263 |
| Net operating income to assets | 0.1255% | 5,917 |
| Return on assets (ROA) | 0.2269% | 5,774 |
| Pretax return on assets | 0.2258% | 5,828 |
| Return on Equity (ROE) | 1.9814% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.9814% | 4,800 |
| Net charge-offs to loans | 0.3543% | 1,231 |
| Credit loss provision to net charge-offs | 30.6122% | 3,826 |
| Earnings coverage of net charge-offs (x) | 0.9133% | 4,539 |
| Efficiency ratio | 93.7761% | 606 |
| Assets per employee ($millions) | 4.9870% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 5,964 |
| Loan loss allowance to noncurrent loans | 36.2319% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 2,563 |
| Noncurrent loans to loans | 1.9697% | 1,420 |
| Net loans and leases to total assets | 55.0589% | 4,445 |
| Net loans and leases to deposits | 66.4696% | 4,275 |
| Net loans and leases to core deposits | 69.7553% | 4,346 |
| Total domestic deposits to total assets | 82.8333% | 4,133 |
| Equity capital to assets | 11.9331% | 2,062 |
| Core capital (leverage) ratio | 11.8042% | 1,759 |
| Tier 1 risk-based capital ratio | 28.0240% | 613 |
| Total risk-based capital ratio | 28.9645% | 620 |
| Memoranda: | ||
| Average total assets | $95,649,600 | 4,700 |
| Average earning assets | $88,318,800 | 4,694 |
| Average equity | $10,952,000 | 4,571 |
| Average total loans | $55,324,200 | 4,635 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4294% | 5,540 |
| Cost of funding earning assets | 0.6765% | 1,282 |
| Net interest margin | 2.7528% | 5,934 |
| Noninterest income to average assets | 0.5257% | 3,353 |
| Noninterest expense to average assets | 2.8300% | 3,349 |
| Loan and lease loss provision to assets | 0.0626% | 3,102 |
| Net operating income to assets | 0.1638% | 5,918 |
| Return on assets (ROA) | 0.2642% | 5,764 |
| Pretax return on assets | 0.2795% | 5,806 |
| Return on Equity (ROE) | 2.3320% | 5,752 |
| Retained earnings to average equity (ytd only) | 2.3320% | 4,888 |
| Net charge-offs to loans | 0.4237% | 941 |
| Credit loss provision to net charge-offs | 25.2809% | 3,516 |
| Earnings coverage of net charge-offs (x) | 0.9550% | 4,268 |
| Efficiency ratio | 92.2902% | 690 |
| Assets per employee ($millions) | 4.9728% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 6,085 |
| Loan loss allowance to noncurrent loans | 48.2143% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 0.8298% | 3,345 |
| Noncurrent loans to loans | 1.4721% | 2,207 |
| Net loans and leases to total assets | 55.9677% | 4,335 |
| Net loans and leases to deposits | 66.1107% | 4,319 |
| Net loans and leases to core deposits | 69.0114% | 4,413 |
| Total domestic deposits to total assets | 84.6576% | 3,475 |
| Equity capital to assets | 11.7640% | 2,253 |
| Core capital (leverage) ratio | 11.7954% | 1,838 |
| Tier 1 risk-based capital ratio | 27.8126% | 654 |
| Total risk-based capital ratio | 28.7570% | 659 |
| Memoranda: | ||
| Average total assets | $95,873,750 | 4,742 |
| Average earning assets | $88,488,000 | 4,738 |
| Average equity | $10,863,250 | 4,619 |
| Average total loans | $56,019,000 | 4,659 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4755% | 5,462 |
| Cost of funding earning assets | 0.6888% | 1,249 |
| Net interest margin | 2.7867% | 5,938 |
| Noninterest income to average assets | 0.5502% | 3,121 |
| Noninterest expense to average assets | 2.8670% | 3,281 |
| Loan and lease loss provision to assets | 0.0623% | 3,025 |
| Net operating income to assets | 0.1743% | 5,902 |
| Return on assets (ROA) | 0.2989% | 5,640 |
| Pretax return on assets | 0.3280% | 5,731 |
| Return on Equity (ROE) | 2.6718% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.6718% | 4,506 |
| Net charge-offs to loans | 0.6252% | 625 |
| Credit loss provision to net charge-offs | 16.8539% | 3,231 |
| Earnings coverage of net charge-offs (x) | 0.6854% | 4,000 |
| Efficiency ratio | 91.8829% | 772 |
| Assets per employee ($millions) | 5.0244% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6606% | 6,230 |
| Loan loss allowance to noncurrent loans | 46.1245% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8632% | 3,384 |
| Noncurrent loans to loans | 1.4323% | 2,410 |
| Net loans and leases to total assets | 57.1771% | 4,093 |
| Net loans and leases to deposits | 67.3490% | 4,130 |
| Net loans and leases to core deposits | 69.8958% | 4,277 |
| Total domestic deposits to total assets | 84.8968% | 3,566 |
| Equity capital to assets | 11.5574% | 2,368 |
| Core capital (leverage) ratio | 11.6185% | 1,912 |
| Tier 1 risk-based capital ratio | 27.2280% | 692 |
| Total risk-based capital ratio | 28.1202% | 695 |
| Memoranda: | ||
| Average total assets | $96,337,330 | 4,766 |
| Average earning assets | $88,851,670 | 4,760 |
| Average equity | $10,779,330 | 4,655 |
| Average total loans | $56,939,330 | 4,657 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5006% | 5,424 |
| Cost of funding earning assets | 0.7136% | 1,164 |
| Net interest margin | 2.7870% | 5,958 |
| Noninterest income to average assets | 0.5663% | 2,942 |
| Noninterest expense to average assets | 2.8561% | 3,353 |
| Loan and lease loss provision to assets | 0.0620% | 2,878 |
| Net operating income to assets | 0.2075% | 5,779 |
| Return on assets (ROA) | 0.2273% | 5,773 |
| Pretax return on assets | 0.2356% | 5,858 |
| Return on Equity (ROE) | 2.0652% | 5,768 |
| Retained earnings to average equity (ytd only) | 2.0652% | 4,779 |
| Net charge-offs to loans | 0.3659% | 986 |
| Credit loss provision to net charge-offs | 28.3019% | 2,410 |
| Earnings coverage of net charge-offs (x) | 1.2642% | 3,133 |
| Efficiency ratio | 91.1609% | 935 |
| Assets per employee ($millions) | 5.1488% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 6,039 |
| Loan loss allowance to noncurrent loans | 46.4110% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 1.0396% | 3,172 |
| Noncurrent loans to loans | 1.7924% | 2,152 |
| Net loans and leases to total assets | 57.5189% | 3,922 |
| Net loans and leases to deposits | 68.3781% | 3,823 |
| Net loans and leases to core deposits | 70.4913% | 4,035 |
| Total domestic deposits to total assets | 84.1189% | 4,232 |
| Equity capital to assets | 11.0133% | 2,701 |
| Core capital (leverage) ratio | 11.2409% | 2,185 |
| Tier 1 risk-based capital ratio | 27.1702% | 704 |
| Total risk-based capital ratio | 28.3378% | 698 |
| Memoranda: | ||
| Average total assets | $96,774,500 | 4,802 |
| Average earning assets | $89,127,500 | 4,795 |
| Average equity | $10,652,500 | 4,694 |
| Average total loans | $57,936,000 | 4,658 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6207% | 5,355 |
| Cost of funding earning assets | 0.8144% | 1,129 |
| Net interest margin | 2.8063% | 5,968 |
| Noninterest income to average assets | 0.6088% | 3,030 |
| Noninterest expense to average assets | 2.9034% | 3,364 |
| Loan and lease loss provision to assets | 0.0945% | 3,235 |
| Net operating income to assets | 0.1344% | 5,970 |
| Return on assets (ROA) | 0.2666% | 5,714 |
| Pretax return on assets | 0.3789% | 5,541 |
| Return on Equity (ROE) | 2.3397% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.3397% | 4,582 |
| Net charge-offs to loans | 0.3117% | 2,128 |
| Credit loss provision to net charge-offs | 47.3684% | 3,879 |
| Earnings coverage of net charge-offs (x) | 1.4263% | 4,578 |
| Efficiency ratio | 91.0767% | 944 |
| Assets per employee ($millions) | 5.0380% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 6,025 |
| Loan loss allowance to noncurrent loans | 38.4211% | 5,684 |
| Noncurrent assets plus other real estate owned to assets | 1.4793% | 2,516 |
| Noncurrent loans to loans | 2.2492% | 1,724 |
| Net loans and leases to total assets | 61.2398% | 3,492 |
| Net loans and leases to deposits | 73.9955% | 3,254 |
| Net loans and leases to core deposits | 77.3790% | 3,437 |
| Total domestic deposits to total assets | 82.7615% | 4,624 |
| Equity capital to assets | 11.0017% | 2,611 |
| Core capital (leverage) ratio | 11.4242% | 2,016 |
| Tier 1 risk-based capital ratio | 26.2587% | 752 |
| Total risk-based capital ratio | 27.4874% | 730 |
| Memoranda: | ||
| Average total assets | $95,266,200 | 4,859 |
| Average earning assets | $87,553,000 | 4,840 |
| Average equity | $10,856,200 | 4,664 |
| Average total loans | $60,950,800 | 4,584 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6177% | 5,393 |
| Cost of funding earning assets | 0.8355% | 1,118 |
| Net interest margin | 2.7823% | 6,046 |
| Noninterest income to average assets | 0.6362% | 2,948 |
| Noninterest expense to average assets | 2.9103% | 3,271 |
| Loan and lease loss provision to assets | 0.1051% | 3,003 |
| Net operating income to assets | 0.1194% | 6,100 |
| Return on assets (ROA) | 0.2831% | 5,780 |
| Pretax return on assets | 0.4260% | 5,563 |
| Return on Equity (ROE) | 2.4624% | 5,804 |
| Retained earnings to average equity (ytd only) | 2.4624% | 4,856 |
| Net charge-offs to loans | 0.4126% | 1,562 |
| Credit loss provision to net charge-offs | 39.4737% | 3,714 |
| Earnings coverage of net charge-offs (x) | 1.0632% | 4,491 |
| Efficiency ratio | 91.1365% | 911 |
| Assets per employee ($millions) | 4.9931% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8068% | 6,270 |
| Loan loss allowance to noncurrent loans | 33.8336% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 1.7877% | 2,293 |
| Noncurrent loans to loans | 2.3846% | 1,844 |
| Net loans and leases to total assets | 64.2792% | 2,956 |
| Net loans and leases to deposits | 76.7433% | 2,855 |
| Net loans and leases to core deposits | 80.2329% | 3,109 |
| Total domestic deposits to total assets | 83.7587% | 4,294 |
| Equity capital to assets | 11.1933% | 2,569 |
| Core capital (leverage) ratio | 11.4714% | 2,064 |
| Tier 1 risk-based capital ratio | 25.8922% | 793 |
| Total risk-based capital ratio | 27.0739% | 789 |
| Memoranda: | ||
| Average total assets | $95,152,250 | 4,903 |
| Average earning assets | $87,455,500 | 4,884 |
| Average equity | $10,937,500 | 4,700 |
| Average total loans | $61,405,750 | 4,606 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5909% | 5,464 |
| Cost of funding earning assets | 0.8475% | 1,151 |
| Net interest margin | 2.7434% | 6,110 |
| Noninterest income to average assets | 0.6278% | 3,030 |
| Noninterest expense to average assets | 2.9103% | 3,293 |
| Loan and lease loss provision to assets | 0.1071% | 3,005 |
| Net operating income to assets | 0.1302% | 6,063 |
| Return on assets (ROA) | 0.5019% | 4,959 |
| Pretax return on assets | 0.5040% | 5,361 |
| Return on Equity (ROE) | 4.3283% | 5,082 |
| Retained earnings to average equity (ytd only) | 4.3283% | 3,521 |
| Net charge-offs to loans | 0.6191% | 1,069 |
| Credit loss provision to net charge-offs | 26.8421% | 3,635 |
| Earnings coverage of net charge-offs (x) | 0.6000% | 4,331 |
| Efficiency ratio | 92.4000% | 869 |
| Assets per employee ($millions) | 4.7633% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7471% | 6,436 |
| Loan loss allowance to noncurrent loans | 36.5400% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 1.8622% | 2,326 |
| Noncurrent loans to loans | 2.0445% | 2,346 |
| Net loans and leases to total assets | 65.6845% | 2,642 |
| Net loans and leases to deposits | 79.4785% | 2,406 |
| Net loans and leases to core deposits | 83.9617% | 2,568 |
| Total domestic deposits to total assets | 82.6444% | 4,836 |
| Equity capital to assets | 11.3052% | 2,460 |
| Core capital (leverage) ratio | 11.4633% | 1,965 |
| Tier 1 risk-based capital ratio | 25.3386% | 835 |
| Total risk-based capital ratio | 26.4329% | 838 |
| Memoranda: | ||
| Average total assets | $95,246,670 | 4,929 |
| Average earning assets | $87,555,330 | 4,914 |
| Average equity | $11,043,670 | 4,709 |
| Average total loans | $61,382,000 | 4,625 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 5,528 |
| Cost of funding earning assets | 0.8666% | 1,171 |
| Net interest margin | 2.7048% | 6,208 |
| Noninterest income to average assets | 0.6678% | 2,774 |
| Noninterest expense to average assets | 2.8980% | 3,352 |
| Loan and lease loss provision to assets | 0.1050% | 2,933 |
| Net operating income to assets | 0.1563% | 6,018 |
| Return on assets (ROA) | 0.8190% | 3,196 |
| Pretax return on assets | 0.8316% | 4,037 |
| Return on Equity (ROE) | 6.9764% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.9764% | 2,156 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7553% | 1,007 |
| Assets per employee ($millions) | 4.3178% | 3,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 5,812 |
| Loan loss allowance to noncurrent loans | 34.6783% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 2.0707% | 2,266 |
| Noncurrent loans to loans | 3.0139% | 1,666 |
| Net loans and leases to total assets | 63.3906% | 2,820 |
| Net loans and leases to deposits | 78.1468% | 2,315 |
| Net loans and leases to core deposits | 81.1449% | 2,674 |
| Total domestic deposits to total assets | 81.1174% | 5,467 |
| Equity capital to assets | 11.7536% | 2,213 |
| Core capital (leverage) ratio | 11.4454% | 1,912 |
| Tier 1 risk-based capital ratio | 25.8568% | 799 |
| Total risk-based capital ratio | 27.0904% | 792 |
| Memoranda: | ||
| Average total assets | $95,237,000 | 4,969 |
| Average earning assets | $87,697,500 | 4,940 |
| Average equity | $11,180,500 | 4,737 |
| Average total loans | $60,550,000 | 4,689 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 5,270 |
| Cost of funding earning assets | 1.0208% | 1,249 |
| Net interest margin | 2.9884% | 6,075 |
| Noninterest income to average assets | 0.9409% | 1,736 |
| Noninterest expense to average assets | 2.9256% | 3,544 |
| Loan and lease loss provision to assets | 0.2007% | 3,129 |
| Net operating income to assets | 0.3985% | 5,106 |
| Return on assets (ROA) | 0.4921% | 4,966 |
| Pretax return on assets | 0.6949% | 4,681 |
| Return on Equity (ROE) | 4.3380% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.3380% | 3,177 |
| Net charge-offs to loans | 0.0697% | 4,986 |
| Credit loss provision to net charge-offs | 464.2857% | 521 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,494 |
| Efficiency ratio | 79.2969% | 2,245 |
| Assets per employee ($millions) | 4.3401% | 3,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 5,918 |
| Loan loss allowance to noncurrent loans | 40.6791% | 5,587 |
| Noncurrent assets plus other real estate owned to assets | 1.7124% | 2,830 |
| Noncurrent loans to loans | 2.4930% | 2,123 |
| Net loans and leases to total assets | 62.4589% | 3,173 |
| Net loans and leases to deposits | 76.9887% | 2,658 |
| Net loans and leases to core deposits | 79.9209% | 3,018 |
| Total domestic deposits to total assets | 81.1273% | 5,367 |
| Equity capital to assets | 11.7258% | 2,248 |
| Core capital (leverage) ratio | 11.1811% | 2,099 |
| Tier 1 risk-based capital ratio | 25.4087% | 809 |
| Total risk-based capital ratio | 26.6433% | 801 |
| Memoranda: | ||
| Average total assets | $97,142,200 | 4,910 |
| Average earning assets | $89,344,000 | 4,889 |
| Average equity | $11,019,000 | 4,757 |
| Average total loans | $60,267,000 | 4,699 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 5,261 |
| Cost of funding earning assets | 1.0570% | 1,252 |
| Net interest margin | 3.0239% | 6,118 |
| Noninterest income to average assets | 0.8843% | 1,892 |
| Noninterest expense to average assets | 2.8468% | 3,810 |
| Loan and lease loss provision to assets | 0.2323% | 2,716 |
| Net operating income to assets | 0.4042% | 5,231 |
| Return on assets (ROA) | 0.5098% | 5,070 |
| Pretax return on assets | 0.7380% | 4,711 |
| Return on Equity (ROE) | 4.5315% | 5,030 |
| Retained earnings to average equity (ytd only) | 4.5315% | 3,708 |
| Net charge-offs to loans | 0.0133% | 5,516 |
| Credit loss provision to net charge-offs | 2,833.3333% | 96 |
| Earnings coverage of net charge-offs (x) | 99.6638% | 425 |
| Efficiency ratio | 77.6949% | 2,432 |
| Assets per employee ($millions) | 4.7407% | 2,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 6,040 |
| Loan loss allowance to noncurrent loans | 31.2877% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 2.0967% | 2,540 |
| Noncurrent loans to loans | 3.2290% | 1,708 |
| Net loans and leases to total assets | 64.2785% | 2,982 |
| Net loans and leases to deposits | 79.3358% | 2,494 |
| Net loans and leases to core deposits | 82.6642% | 2,878 |
| Total domestic deposits to total assets | 81.0207% | 5,349 |
| Equity capital to assets | 11.8274% | 2,412 |
| Core capital (leverage) ratio | 11.1670% | 2,236 |
| Tier 1 risk-based capital ratio | 25.0836% | 900 |
| Total risk-based capital ratio | 26.3218% | 890 |
| Memoranda: | ||
| Average total assets | $97,557,250 | 4,946 |
| Average earning assets | $89,683,250 | 4,920 |
| Average equity | $10,974,750 | 4,810 |
| Average total loans | $60,271,750 | 4,752 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1350% | 5,182 |
| Cost of funding earning assets | 1.1059% | 1,197 |
| Net interest margin | 3.0291% | 6,177 |
| Noninterest income to average assets | 0.8185% | 2,100 |
| Noninterest expense to average assets | 2.8231% | 3,930 |
| Loan and lease loss provision to assets | 0.1442% | 3,716 |
| Net operating income to assets | 0.4496% | 5,040 |
| Return on assets (ROA) | 0.6134% | 4,564 |
| Pretax return on assets | 0.8490% | 4,284 |
| Return on Equity (ROE) | 5.5438% | 4,563 |
| Retained earnings to average equity (ytd only) | 5.5438% | 2,967 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6644% | 2,378 |
| Assets per employee ($millions) | 4.8163% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 6,495 |
| Loan loss allowance to noncurrent loans | 22.1154% | 6,458 |
| Noncurrent assets plus other real estate owned to assets | 2.4832% | 2,248 |
| Noncurrent loans to loans | 4.0115% | 1,372 |
| Net loans and leases to total assets | 61.3542% | 3,561 |
| Net loans and leases to deposits | 76.2177% | 2,957 |
| Net loans and leases to core deposits | 79.1080% | 3,352 |
| Total domestic deposits to total assets | 80.4985% | 5,614 |
| Equity capital to assets | 11.4829% | 2,611 |
| Core capital (leverage) ratio | 10.9306% | 2,370 |
| Tier 1 risk-based capital ratio | 25.6781% | 840 |
| Total risk-based capital ratio | 26.9281% | 825 |
| Memoranda: | ||
| Average total assets | $98,471,670 | 4,941 |
| Average earning assets | $90,061,000 | 4,931 |
| Average equity | $10,895,000 | 4,833 |
| Average total loans | $59,840,000 | 4,797 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1892% | 5,149 |
| Cost of funding earning assets | 1.1506% | 1,169 |
| Net interest margin | 3.0386% | 6,214 |
| Noninterest income to average assets | 0.6791% | 2,763 |
| Noninterest expense to average assets | 2.8208% | 3,941 |
| Loan and lease loss provision to assets | 0.1045% | 4,035 |
| Net operating income to assets | 0.3851% | 5,321 |
| Return on assets (ROA) | 0.4500% | 5,226 |
| Pretax return on assets | 0.5867% | 5,157 |
| Return on Equity (ROE) | 4.1435% | 5,229 |
| Retained earnings to average equity (ytd only) | 4.1435% | 4,105 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2978% | 1,900 |
| Assets per employee ($millions) | 4.9747% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7939% | 6,754 |
| Loan loss allowance to noncurrent loans | 23.7721% | 6,431 |
| Noncurrent assets plus other real estate owned to assets | 2.0464% | 2,829 |
| Noncurrent loans to loans | 3.3396% | 1,906 |
| Net loans and leases to total assets | 60.7896% | 3,496 |
| Net loans and leases to deposits | 76.4038% | 2,738 |
| Net loans and leases to core deposits | 77.9668% | 3,328 |
| Total domestic deposits to total assets | 79.5636% | 5,955 |
| Equity capital to assets | 10.9122% | 3,015 |
| Core capital (leverage) ratio | 10.4541% | 2,802 |
| Tier 1 risk-based capital ratio | 24.3591% | 968 |
| Total risk-based capital ratio | 25.4985% | 968 |
| Memoranda: | ||
| Average total assets | $99,544,500 | 4,949 |
| Average earning assets | $90,040,000 | 4,967 |
| Average equity | $10,812,000 | 4,860 |
| Average total loans | $59,945,500 | 4,820 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6688% | 4,380 |
| Cost of funding earning assets | 1.4076% | 1,006 |
| Net interest margin | 3.2612% | 5,928 |
| Noninterest income to average assets | 0.6214% | 3,056 |
| Noninterest expense to average assets | 2.8162% | 4,284 |
| Loan and lease loss provision to assets | 0.1839% | 4,355 |
| Net operating income to assets | 0.3280% | 5,157 |
| Return on assets (ROA) | 0.3845% | 5,098 |
| Pretax return on assets | 0.6131% | 4,651 |
| Return on Equity (ROE) | 3.5587% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.5587% | 3,698 |
| Net charge-offs to loans | 0.0051% | 6,362 |
| Credit loss provision to net charge-offs | 5,900.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 227.3333% | 149 |
| Efficiency ratio | 79.8939% | 2,315 |
| Assets per employee ($millions) | 4.9798% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 6,789 |
| Loan loss allowance to noncurrent loans | 22.4730% | 6,536 |
| Noncurrent assets plus other real estate owned to assets | 2.0463% | 2,904 |
| Noncurrent loans to loans | 3.4586% | 1,859 |
| Net loans and leases to total assets | 58.7048% | 4,248 |
| Net loans and leases to deposits | 74.1215% | 3,483 |
| Net loans and leases to core deposits | 76.0299% | 3,978 |
| Total domestic deposits to total assets | 79.2008% | 5,944 |
| Equity capital to assets | 10.8108% | 3,182 |
| Core capital (leverage) ratio | 10.4060% | 2,838 |
| Tier 1 risk-based capital ratio | 24.4966% | 924 |
| Total risk-based capital ratio | 25.5841% | 927 |
| Memoranda: | ||
| Average total assets | $96,230,400 | 5,002 |
| Average earning assets | $85,675,000 | 5,062 |
| Average equity | $10,397,200 | 4,925 |
| Average total loans | $59,344,800 | 4,886 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 4,146 |
| Cost of funding earning assets | 1.4584% | 995 |
| Net interest margin | 3.3106% | 5,828 |
| Noninterest income to average assets | 0.5451% | 3,551 |
| Noninterest expense to average assets | 2.8290% | 4,241 |
| Loan and lease loss provision to assets | 0.1789% | 4,240 |
| Net operating income to assets | 0.3027% | 5,384 |
| Return on assets (ROA) | 0.3788% | 5,274 |
| Pretax return on assets | 0.6164% | 4,754 |
| Return on Equity (ROE) | 3.5063% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.5063% | 4,247 |
| Net charge-offs to loans | 0.0067% | 6,072 |
| Credit loss provision to net charge-offs | 4,266.6667% | 74 |
| Earnings coverage of net charge-offs (x) | 161.3300% | 241 |
| Efficiency ratio | 80.7018% | 2,159 |
| Assets per employee ($millions) | 5.0854% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6799% | 6,993 |
| Loan loss allowance to noncurrent loans | 24.5181% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 1.7180% | 3,517 |
| Noncurrent loans to loans | 2.7729% | 2,511 |
| Net loans and leases to total assets | 61.5371% | 3,831 |
| Net loans and leases to deposits | 78.2520% | 2,929 |
| Net loans and leases to core deposits | 80.3424% | 3,586 |
| Total domestic deposits to total assets | 78.6397% | 6,060 |
| Equity capital to assets | 11.0916% | 3,056 |
| Core capital (leverage) ratio | 10.6441% | 2,716 |
| Tier 1 risk-based capital ratio | 24.3937% | 970 |
| Total risk-based capital ratio | 25.3749% | 984 |
| Memoranda: | ||
| Average total assets | $95,389,250 | 5,064 |
| Average earning assets | $85,299,000 | 5,112 |
| Average equity | $10,304,750 | 4,965 |
| Average total loans | $59,449,750 | 4,925 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8057% | 4,080 |
| Cost of funding earning assets | 1.5056% | 988 |
| Net interest margin | 3.3001% | 5,861 |
| Noninterest income to average assets | 0.4464% | 4,309 |
| Noninterest expense to average assets | 2.8112% | 4,382 |
| Loan and lease loss provision to assets | 0.1095% | 4,930 |
| Net operating income to assets | 0.3604% | 5,125 |
| Return on assets (ROA) | 0.4212% | 5,004 |
| Pretax return on assets | 0.5664% | 4,852 |
| Return on Equity (ROE) | 3.9342% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.9342% | 3,693 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5603% | 2,018 |
| Assets per employee ($millions) | 4.8108% | 2,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6483% | 7,087 |
| Loan loss allowance to noncurrent loans | 33.7178% | 6,061 |
| Noncurrent assets plus other real estate owned to assets | 1.1713% | 4,547 |
| Noncurrent loans to loans | 1.9227% | 3,579 |
| Net loans and leases to total assets | 60.5253% | 4,178 |
| Net loans and leases to deposits | 79.2583% | 2,930 |
| Net loans and leases to core deposits | 80.3230% | 3,742 |
| Total domestic deposits to total assets | 76.3646% | 6,544 |
| Equity capital to assets | 10.7882% | 3,185 |
| Core capital (leverage) ratio | 10.5783% | 2,631 |
| Tier 1 risk-based capital ratio | 24.3522% | 970 |
| Total risk-based capital ratio | 25.2733% | 987 |
| Memoranda: | ||
| Average total assets | $94,978,000 | 5,109 |
| Average earning assets | $85,148,000 | 5,155 |
| Average equity | $10,167,330 | 5,005 |
| Average total loans | $59,311,000 | 4,988 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8187% | 3,968 |
| Cost of funding earning assets | 1.5968% | 829 |
| Net interest margin | 3.2219% | 6,007 |
| Noninterest income to average assets | 0.4663% | 4,141 |
| Noninterest expense to average assets | 2.8529% | 4,256 |
| Loan and lease loss provision to assets | 0.1102% | 4,636 |
| Net operating income to assets | 0.3137% | 5,341 |
| Return on assets (ROA) | 0.4324% | 4,877 |
| Pretax return on assets | 0.5426% | 4,889 |
| Return on Equity (ROE) | 4.0553% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.0553% | 3,726 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9747% | 1,844 |
| Assets per employee ($millions) | 4.8946% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6004% | 7,202 |
| Loan loss allowance to noncurrent loans | 26.9406% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 1.4129% | 4,159 |
| Noncurrent loans to loans | 2.2287% | 3,284 |
| Net loans and leases to total assets | 63.0182% | 3,649 |
| Net loans and leases to deposits | 85.8279% | 1,760 |
| Net loans and leases to core deposits | 86.6464% | 2,779 |
| Total domestic deposits to total assets | 73.4239% | 6,964 |
| Equity capital to assets | 10.8294% | 2,856 |
| Core capital (leverage) ratio | 10.8073% | 2,349 |
| Tier 1 risk-based capital ratio | 23.9712% | 977 |
| Total risk-based capital ratio | 24.8241% | 996 |
| Memoranda: | ||
| Average total assets | $94,359,000 | 5,158 |
| Average earning assets | $84,670,500 | 5,199 |
| Average equity | $10,061,000 | 5,033 |
| Average total loans | $59,659,000 | 5,015 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2037% | 3,584 |
| Cost of funding earning assets | 1.7662% | 1,317 |
| Net interest margin | 3.4375% | 5,482 |
| Noninterest income to average assets | 0.6066% | 3,432 |
| Noninterest expense to average assets | 2.7902% | 4,646 |
| Loan and lease loss provision to assets | 0.2894% | 4,484 |
| Net operating income to assets | 0.4852% | 4,168 |
| Return on assets (ROA) | 0.5065% | 4,227 |
| Pretax return on assets | 0.6353% | 4,211 |
| Return on Equity (ROE) | 4.7964% | 4,163 |
| Retained earnings to average equity (ytd only) | 4.7964% | 2,549 |
| Net charge-offs to loans | 0.0033% | 6,822 |
| Credit loss provision to net charge-offs | 13,600.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 422.0000% | 57 |
| Efficiency ratio | 75.6492% | 3,102 |
| Assets per employee ($millions) | 5.0379% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5434% | 7,324 |
| Loan loss allowance to noncurrent loans | 37.7011% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 0.9089% | 5,202 |
| Noncurrent loans to loans | 1.4414% | 4,324 |
| Net loans and leases to total assets | 62.7146% | 4,126 |
| Net loans and leases to deposits | 87.9988% | 1,790 |
| Net loans and leases to core deposits | 88.9770% | 2,908 |
| Total domestic deposits to total assets | 71.2675% | 7,152 |
| Equity capital to assets | 10.5003% | 3,153 |
| Core capital (leverage) ratio | 10.4071% | 2,660 |
| Tier 1 risk-based capital ratio | 23.3457% | 994 |
| Total risk-based capital ratio | 24.1234% | 1,036 |
| Memoranda: | ||
| Average total assets | $93,972,200 | 5,161 |
| Average earning assets | $84,247,400 | 5,205 |
| Average equity | $9,924,200 | 5,158 |
| Average total loans | $60,473,600 | 5,050 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2989% | 3,363 |
| Cost of funding earning assets | 1.8033% | 1,405 |
| Net interest margin | 3.4956% | 5,310 |
| Noninterest income to average assets | 0.5901% | 3,504 |
| Noninterest expense to average assets | 2.8010% | 4,485 |
| Loan and lease loss provision to assets | 0.3236% | 3,998 |
| Net operating income to assets | 0.4100% | 4,705 |
| Return on assets (ROA) | 0.4234% | 4,827 |
| Pretax return on assets | 0.6272% | 4,502 |
| Return on Equity (ROE) | 4.0029% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.0029% | 3,661 |
| Net charge-offs to loans | 0.0044% | 6,611 |
| Credit loss provision to net charge-offs | 11,350.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 326.0824% | 96 |
| Efficiency ratio | 75.0573% | 3,135 |
| Assets per employee ($millions) | 4.4539% | 2,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4683% | 7,485 |
| Loan loss allowance to noncurrent loans | 33.7725% | 6,078 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 5,317 |
| Noncurrent loans to loans | 1.3865% | 4,546 |
| Net loans and leases to total assets | 64.0878% | 4,106 |
| Net loans and leases to deposits | 92.1037% | 1,431 |
| Net loans and leases to core deposits | 92.9708% | 2,663 |
| Total domestic deposits to total assets | 69.5823% | 7,293 |
| Equity capital to assets | 10.8349% | 3,132 |
| Core capital (leverage) ratio | 10.4837% | 2,709 |
| Tier 1 risk-based capital ratio | 22.6858% | 1,110 |
| Total risk-based capital ratio | 23.3475% | 1,164 |
| Memoranda: | ||
| Average total assets | $93,535,000 | 5,231 |
| Average earning assets | $84,065,750 | 5,266 |
| Average equity | $9,892,500 | 5,228 |
| Average total loans | $60,502,250 | 5,126 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2890% | 3,519 |
| Cost of funding earning assets | 1.8450% | 1,455 |
| Net interest margin | 3.4441% | 5,469 |
| Noninterest income to average assets | 0.5859% | 3,442 |
| Noninterest expense to average assets | 2.8288% | 4,359 |
| Loan and lease loss provision to assets | 0.1176% | 5,722 |
| Net operating income to assets | 0.4812% | 4,410 |
| Return on assets (ROA) | 0.4896% | 4,535 |
| Pretax return on assets | 0.7377% | 4,117 |
| Return on Equity (ROE) | 4.6678% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.6678% | 3,102 |
| Net charge-offs to loans | 0.0066% | 6,275 |
| Credit loss provision to net charge-offs | 2,750.0000% | 152 |
| Earnings coverage of net charge-offs (x) | 197.0000% | 171 |
| Efficiency ratio | 77.0530% | 2,887 |
| Assets per employee ($millions) | 4.5058% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4179% | 7,589 |
| Loan loss allowance to noncurrent loans | 34.5528% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 5,563 |
| Noncurrent loans to loans | 1.2095% | 4,943 |
| Net loans and leases to total assets | 64.2134% | 4,215 |
| Net loans and leases to deposits | 92.8853% | 1,406 |
| Net loans and leases to core deposits | 93.9408% | 2,721 |
| Total domestic deposits to total assets | 69.1319% | 7,378 |
| Equity capital to assets | 10.6265% | 3,250 |
| Core capital (leverage) ratio | 10.2890% | 2,841 |
| Tier 1 risk-based capital ratio | 22.1545% | 1,173 |
| Total risk-based capital ratio | 22.7430% | 1,248 |
| Memoranda: | ||
| Average total assets | $93,536,330 | 5,266 |
| Average earning assets | $83,796,000 | 5,306 |
| Average equity | $9,812,000 | 5,257 |
| Average total loans | $60,595,000 | 5,155 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 3,376 |
| Cost of funding earning assets | 1.8836% | 1,514 |
| Net interest margin | 3.4500% | 5,375 |
| Noninterest income to average assets | 0.6323% | 3,064 |
| Noninterest expense to average assets | 2.8174% | 4,425 |
| Loan and lease loss provision to assets | 0.1161% | 5,443 |
| Net operating income to assets | 0.5191% | 4,297 |
| Return on assets (ROA) | 0.5248% | 4,402 |
| Pretax return on assets | 0.7958% | 3,882 |
| Return on Equity (ROE) | 5.0359% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.0359% | 3,138 |
| Net charge-offs to loans | 0.0066% | 5,514 |
| Credit loss provision to net charge-offs | 2,700.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 210.0000% | 161 |
| Efficiency ratio | 75.7225% | 3,266 |
| Assets per employee ($millions) | 4.6374% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3768% | 7,703 |
| Loan loss allowance to noncurrent loans | 106.5116% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2318% | 6,877 |
| Noncurrent loans to loans | 0.3538% | 6,594 |
| Net loans and leases to total assets | 65.2765% | 4,048 |
| Net loans and leases to deposits | 97.0178% | 998 |
| Net loans and leases to core deposits | 98.1693% | 2,324 |
| Total domestic deposits to total assets | 67.2830% | 7,561 |
| Equity capital to assets | 10.5405% | 3,206 |
| Core capital (leverage) ratio | 10.3607% | 2,756 |
| Tier 1 risk-based capital ratio | 21.7554% | 1,231 |
| Total risk-based capital ratio | 22.2803% | 1,309 |
| Memoranda: | ||
| Average total assets | $92,993,500 | 5,352 |
| Average earning assets | $83,246,000 | 5,389 |
| Average equity | $9,690,500 | 5,324 |
| Average total loans | $60,385,000 | 5,234 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4118% | 4,642 |
| Cost of funding earning assets | 2.3335% | 1,515 |
| Net interest margin | 3.0783% | 6,443 |
| Noninterest income to average assets | 0.6139% | 3,520 |
| Noninterest expense to average assets | 2.8986% | 4,532 |
| Loan and lease loss provision to assets | 1.1253% | 2,029 |
| Net operating income to assets | -0.6790% | 6,340 |
| Return on assets (ROA) | -0.6769% | 6,339 |
| Pretax return on assets | -0.6278% | 6,119 |
| Return on Equity (ROE) | -6.6689% | 6,359 |
| Retained earnings to average equity (ytd only) | -6.6689% | 6,212 |
| Net charge-offs to loans | 0.1271% | 5,922 |
| Credit loss provision to net charge-offs | 1,351.2821% | 221 |
| Earnings coverage of net charge-offs (x) | 5.9487% | 2,462 |
| Efficiency ratio | 85.4042% | 2,180 |
| Assets per employee ($millions) | 4.9074% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3383% | 7,803 |
| Loan loss allowance to noncurrent loans | 40.4382% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 0.5384% | 6,101 |
| Noncurrent loans to loans | 0.8367% | 5,619 |
| Net loans and leases to total assets | 64.1313% | 4,578 |
| Net loans and leases to deposits | 96.9518% | 1,213 |
| Net loans and leases to core deposits | 110.7477% | 2,817 |
| Total domestic deposits to total assets | 66.1476% | 7,634 |
| Equity capital to assets | 10.3014% | 3,403 |
| Core capital (leverage) ratio | 10.1781% | 2,915 |
| Tier 1 risk-based capital ratio | 20.9279% | 1,308 |
| Total risk-based capital ratio | 21.3809% | 1,402 |
| Memoranda: | ||
| Average total assets | $93,664,800 | 5,279 |
| Average earning assets | $84,592,200 | 5,316 |
| Average equity | $9,506,800 | 5,443 |
| Average total loans | $61,376,400 | 5,194 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 4,901 |
| Cost of funding earning assets | 2.4269% | 1,534 |
| Net interest margin | 2.9822% | 6,649 |
| Noninterest income to average assets | 0.6071% | 3,639 |
| Noninterest expense to average assets | 2.9262% | 4,333 |
| Loan and lease loss provision to assets | 1.4745% | 1,303 |
| Net operating income to assets | -1.0692% | 6,871 |
| Return on assets (ROA) | -1.0692% | 6,883 |
| Pretax return on assets | -1.0906% | 6,750 |
| Return on Equity (ROE) | -10.5739% | 6,934 |
| Retained earnings to average equity (ytd only) | -10.5739% | 6,859 |
| Net charge-offs to loans | 0.0130% | 6,738 |
| Credit loss provision to net charge-offs | 17,283.3333% | 20 |
| Earnings coverage of net charge-offs (x) | 44.9988% | 692 |
| Efficiency ratio | 88.4021% | 1,827 |
| Assets per employee ($millions) | 4.2184% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4223% | 7,802 |
| Loan loss allowance to noncurrent loans | 55.9653% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 6,223 |
| Noncurrent loans to loans | 0.7545% | 5,799 |
| Net loans and leases to total assets | 65.5597% | 4,519 |
| Net loans and leases to deposits | 100.0066% | 1,103 |
| Net loans and leases to core deposits | 114.6124% | 2,769 |
| Total domestic deposits to total assets | 65.5554% | 7,708 |
| Equity capital to assets | 10.3584% | 3,670 |
| Core capital (leverage) ratio | 10.1085% | 3,166 |
| Tier 1 risk-based capital ratio | 20.3877% | 1,480 |
| Total risk-based capital ratio | 20.9559% | 1,573 |
| Memoranda: | ||
| Average total assets | $93,771,000 | 5,305 |
| Average earning assets | $84,991,000 | 5,337 |
| Average equity | $9,482,250 | 5,494 |
| Average total loans | $61,720,750 | 5,217 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4207% | 5,035 |
| Cost of funding earning assets | 2.5082% | 1,583 |
| Net interest margin | 2.9125% | 6,771 |
| Noninterest income to average assets | 0.6610% | 3,259 |
| Noninterest expense to average assets | 2.8844% | 4,563 |
| Loan and lease loss provision to assets | 0.1403% | 5,672 |
| Net operating income to assets | 0.1977% | 5,271 |
| Return on assets (ROA) | 0.1977% | 5,352 |
| Pretax return on assets | 0.2699% | 5,275 |
| Return on Equity (ROE) | 1.9706% | 5,311 |
| Retained earnings to average equity (ytd only) | 1.9706% | 4,245 |
| Net charge-offs to loans | 0.0097% | 6,431 |
| Credit loss provision to net charge-offs | 2,200.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 64.3333% | 562 |
| Efficiency ratio | 87.5484% | 2,068 |
| Assets per employee ($millions) | 4.3037% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3881% | 7,911 |
| Loan loss allowance to noncurrent loans | 47.9125% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 0.5313% | 6,105 |
| Noncurrent loans to loans | 0.8100% | 5,606 |
| Net loans and leases to total assets | 65.3310% | 4,696 |
| Net loans and leases to deposits | 100.5053% | 1,234 |
| Net loans and leases to core deposits | 114.4845% | 2,857 |
| Total domestic deposits to total assets | 65.0025% | 7,793 |
| Equity capital to assets | 9.8732% | 4,118 |
| Core capital (leverage) ratio | 9.7903% | 3,531 |
| Tier 1 risk-based capital ratio | 18.7458% | 1,830 |
| Total risk-based capital ratio | 19.2389% | 1,961 |
| Memoranda: | ||
| Average total assets | $94,093,330 | 5,341 |
| Average earning assets | $85,082,000 | 5,376 |
| Average equity | $9,438,670 | 5,529 |
| Average total loans | $61,927,670 | 5,255 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4213% | 5,313 |
| Cost of funding earning assets | 2.5468% | 1,748 |
| Net interest margin | 2.8745% | 6,816 |
| Noninterest income to average assets | 0.5629% | 3,809 |
| Noninterest expense to average assets | 2.7420% | 4,819 |
| Loan and lease loss provision to assets | 0.1279% | 5,321 |
| Net operating income to assets | 0.2260% | 5,575 |
| Return on assets (ROA) | 0.2260% | 5,734 |
| Pretax return on assets | 0.3113% | 5,652 |
| Return on Equity (ROE) | 2.2353% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.2353% | 4,629 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1930% | 2,045 |
| Assets per employee ($millions) | 4.1078% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3327% | 8,008 |
| Loan loss allowance to noncurrent loans | 47.0588% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 6,079 |
| Noncurrent loans to loans | 0.7069% | 5,644 |
| Net loans and leases to total assets | 65.9610% | 4,595 |
| Net loans and leases to deposits | 104.0505% | 1,007 |
| Net loans and leases to core deposits | 119.6368% | 2,449 |
| Total domestic deposits to total assets | 63.3933% | 7,870 |
| Equity capital to assets | 9.9894% | 4,016 |
| Core capital (leverage) ratio | 9.8241% | 3,611 |
| Tier 1 risk-based capital ratio | 20.0035% | 1,623 |
| Total risk-based capital ratio | 20.4578% | 1,736 |
| Memoranda: | ||
| Average total assets | $93,799,500 | 5,379 |
| Average earning assets | $85,440,500 | 5,383 |
| Average equity | $9,484,000 | 5,541 |
| Average total loans | $61,843,000 | 5,293 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5157% | 7,264 |
| Cost of funding earning assets | 2.8691% | 2,396 |
| Net interest margin | 2.6466% | 7,587 |
| Noninterest income to average assets | 0.5124% | 4,527 |
| Noninterest expense to average assets | 2.6240% | 5,560 |
| Loan and lease loss provision to assets | 0.4417% | 3,080 |
| Net operating income to assets | -0.2087% | 6,628 |
| Return on assets (ROA) | -0.2014% | 6,471 |
| Pretax return on assets | -0.1139% | 6,286 |
| Return on Equity (ROE) | -1.9632% | 6,495 |
| Retained earnings to average equity (ytd only) | -1.9632% | 5,858 |
| Net charge-offs to loans | 0.0206% | 6,574 |
| Credit loss provision to net charge-offs | 3,491.6667% | 146 |
| Earnings coverage of net charge-offs (x) | 25.3333% | 1,337 |
| Efficiency ratio | 89.1156% | 1,579 |
| Assets per employee ($millions) | 4.2327% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2910% | 8,089 |
| Loan loss allowance to noncurrent loans | 32.3049% | 6,569 |
| Noncurrent assets plus other real estate owned to assets | 0.5917% | 5,414 |
| Noncurrent loans to loans | 0.9009% | 4,822 |
| Net loans and leases to total assets | 65.4861% | 4,953 |
| Net loans and leases to deposits | 103.8612% | 1,356 |
| Net loans and leases to core deposits | 120.6760% | 2,624 |
| Total domestic deposits to total assets | 63.0516% | 7,836 |
| Equity capital to assets | 10.2342% | 3,766 |
| Core capital (leverage) ratio | 10.1370% | 3,328 |
| Tier 1 risk-based capital ratio | 20.6120% | 1,519 |
| Total risk-based capital ratio | 21.0055% | 1,615 |
| Memoranda: | ||
| Average total assets | $94,856,000 | 5,204 |
| Average earning assets | $87,170,000 | 5,180 |
| Average equity | $9,729,200 | 5,501 |
| Average total loans | $58,304,800 | 5,351 |