Home > Fidelity Savings and Loan Association of Bucks Co > Performance and Condition Ratios
Fidelity Savings and Loan Association of Bucks Co, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 4,177 |
| Cost of funding earning assets | 0.8997% | 1,869 |
| Net interest margin | 2.9275% | 4,389 |
| Noninterest income to average assets | 0.1342% | 4,699 |
| Noninterest expense to average assets | 3.1702% | 1,488 |
| Loan and lease loss provision to assets | -0.2175% | 5,086 |
| Net operating income to assets | 0.0046% | 4,749 |
| Return on assets (ROA) | 0.0046% | 4,739 |
| Pretax return on assets | 0.0278% | 4,717 |
| Return on Equity (ROE) | 0.0312% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.0312% | 3,984 |
| Net charge-offs to loans | -0.0799% | 4,768 |
| Credit loss provision to net charge-offs | 391.6667% | 1,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3665% | 170 |
| Assets per employee ($millions) | 6.5445% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7458% | 4,533 |
| Loan loss allowance to noncurrent loans | 47.7348% | 4,123 |
| Noncurrent assets plus other real estate owned to assets | 1.1813% | 1,059 |
| Noncurrent loans to loans | 1.5624% | 1,003 |
| Net loans and leases to total assets | 67.5748% | 2,605 |
| Net loans and leases to deposits | 87.8760% | 1,760 |
| Net loans and leases to core deposits | 90.4787% | 2,299 |
| Total domestic deposits to total assets | 76.8979% | 4,367 |
| Equity capital to assets | 15.0578% | 745 |
| Core capital (leverage) ratio | 15.5448% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $86,430,000 | 4,180 |
| Average earning assets | $84,031,000 | 4,106 |
| Average equity | $12,809,500 | 3,897 |
| Average total loans | $60,089,500 | 3,957 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1548% | 3,916 |
| Cost of funding earning assets | 0.8676% | 2,345 |
| Net interest margin | 3.2871% | 4,017 |
| Noninterest income to average assets | 0.1236% | 4,844 |
| Noninterest expense to average assets | 3.0094% | 1,991 |
| Loan and lease loss provision to assets | -0.0183% | 4,953 |
| Net operating income to assets | 0.2311% | 4,817 |
| Return on assets (ROA) | 0.2311% | 4,839 |
| Pretax return on assets | 0.3318% | 4,790 |
| Return on Equity (ROE) | 1.5815% | 4,848 |
| Retained earnings to average equity (ytd only) | 1.5815% | 4,173 |
| Net charge-offs to loans | 0.0016% | 3,657 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,584 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 302 |
| Efficiency ratio | 90.5647% | 333 |
| Assets per employee ($millions) | 6.2701% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7501% | 4,454 |
| Loan loss allowance to noncurrent loans | 50.4320% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 1,020 |
| Noncurrent loans to loans | 1.4874% | 976 |
| Net loans and leases to total assets | 70.3888% | 2,332 |
| Net loans and leases to deposits | 90.6448% | 1,521 |
| Net loans and leases to core deposits | 93.2016% | 2,138 |
| Total domestic deposits to total assets | 77.6535% | 4,413 |
| Equity capital to assets | 14.5909% | 905 |
| Core capital (leverage) ratio | 15.5906% | 578 |
| Tier 1 risk-based capital ratio | 30.6387% | 451 |
| Total risk-based capital ratio | 31.6871% | 455 |
| Memoranda: | ||
| Average total assets | $87,393,000 | 4,180 |
| Average earning assets | $85,059,000 | 4,110 |
| Average equity | $12,773,000 | 3,907 |
| Average total loans | $62,331,600 | 3,940 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 3,904 |
| Cost of funding earning assets | 0.8584% | 2,422 |
| Net interest margin | 3.3488% | 3,992 |
| Noninterest income to average assets | 0.1161% | 4,935 |
| Noninterest expense to average assets | 2.9584% | 2,087 |
| Loan and lease loss provision to assets | -0.0244% | 5,087 |
| Net operating income to assets | 0.3085% | 4,829 |
| Return on assets (ROA) | 0.3085% | 4,849 |
| Pretax return on assets | 0.4414% | 4,759 |
| Return on Equity (ROE) | 2.1100% | 4,884 |
| Retained earnings to average equity (ytd only) | 2.1100% | 4,232 |
| Net charge-offs to loans | 0.0021% | 3,365 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,504 |
| Earnings coverage of net charge-offs (x) | 273.6767% | 337 |
| Efficiency ratio | 87.6471% | 415 |
| Assets per employee ($millions) | 5.7281% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 4,552 |
| Loan loss allowance to noncurrent loans | 49.5228% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 907 |
| Noncurrent loans to loans | 1.5097% | 999 |
| Net loans and leases to total assets | 72.1547% | 2,154 |
| Net loans and leases to deposits | 93.6595% | 1,252 |
| Net loans and leases to core deposits | 95.6433% | 2,032 |
| Total domestic deposits to total assets | 77.0394% | 4,510 |
| Equity capital to assets | 14.9079% | 867 |
| Core capital (leverage) ratio | 15.4897% | 645 |
| Tier 1 risk-based capital ratio | 29.9265% | 486 |
| Total risk-based capital ratio | 30.9506% | 484 |
| Memoranda: | ||
| Average total assets | $87,296,000 | 4,235 |
| Average earning assets | $84,963,250 | 4,163 |
| Average equity | $12,764,250 | 3,949 |
| Average total loans | $62,350,750 | 3,982 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 3,978 |
| Cost of funding earning assets | 0.8449% | 2,417 |
| Net interest margin | 3.3327% | 4,071 |
| Noninterest income to average assets | 0.0934% | 5,065 |
| Noninterest expense to average assets | 3.0563% | 1,846 |
| Loan and lease loss provision to assets | -0.0319% | 5,154 |
| Net operating income to assets | 0.2120% | 4,981 |
| Return on assets (ROA) | 0.2120% | 4,991 |
| Pretax return on assets | 0.3145% | 4,918 |
| Return on Equity (ROE) | 1.4589% | 5,006 |
| Retained earnings to average equity (ytd only) | 1.4589% | 4,303 |
| Net charge-offs to loans | 0.0032% | 3,051 |
| Credit loss provision to net charge-offs | -1,400.0000% | 4,313 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 593 |
| Efficiency ratio | 91.5358% | 295 |
| Assets per employee ($millions) | 6.2249% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7503% | 4,601 |
| Loan loss allowance to noncurrent loans | 48.8033% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3219% | 947 |
| Noncurrent loans to loans | 1.5373% | 999 |
| Net loans and leases to total assets | 71.1915% | 2,345 |
| Net loans and leases to deposits | 90.5538% | 1,680 |
| Net loans and leases to core deposits | 92.3973% | 2,377 |
| Total domestic deposits to total assets | 78.6180% | 4,296 |
| Equity capital to assets | 14.5718% | 929 |
| Core capital (leverage) ratio | 15.2986% | 652 |
| Tier 1 risk-based capital ratio | 29.3857% | 502 |
| Total risk-based capital ratio | 30.4037% | 505 |
| Memoranda: | ||
| Average total assets | $87,754,330 | 4,253 |
| Average earning assets | $85,457,000 | 4,185 |
| Average equity | $12,749,330 | 3,963 |
| Average total loans | $62,313,330 | 4,004 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1155% | 4,085 |
| Cost of funding earning assets | 0.8343% | 2,353 |
| Net interest margin | 3.2812% | 4,207 |
| Noninterest income to average assets | 0.1544% | 4,817 |
| Noninterest expense to average assets | 2.7800% | 2,638 |
| Loan and lease loss provision to assets | 0.0273% | 3,061 |
| Net operating income to assets | 0.3634% | 4,806 |
| Return on assets (ROA) | 0.3634% | 4,815 |
| Pretax return on assets | 0.5451% | 4,602 |
| Return on Equity (ROE) | 2.5050% | 4,893 |
| Retained earnings to average equity (ytd only) | 2.5050% | 3,923 |
| Net charge-offs to loans | 0.0064% | 2,469 |
| Credit loss provision to net charge-offs | 600.0000% | 535 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 569 |
| Efficiency ratio | 82.9268% | 793 |
| Assets per employee ($millions) | 6.3425% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7810% | 4,576 |
| Loan loss allowance to noncurrent loans | 50.0512% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.3492% | 943 |
| Noncurrent loans to loans | 1.5604% | 1,023 |
| Net loans and leases to total assets | 69.9634% | 2,490 |
| Net loans and leases to deposits | 88.2832% | 1,839 |
| Net loans and leases to core deposits | 90.0204% | 2,500 |
| Total domestic deposits to total assets | 79.2488% | 4,307 |
| Equity capital to assets | 14.4321% | 901 |
| Core capital (leverage) ratio | 15.1911% | 663 |
| Tier 1 risk-based capital ratio | 30.5121% | 460 |
| Total risk-based capital ratio | 31.6152% | 452 |
| Memoranda: | ||
| Average total assets | $88,057,500 | 4,292 |
| Average earning assets | $85,822,000 | 4,222 |
| Average equity | $12,774,500 | 3,973 |
| Average total loans | $62,214,500 | 4,042 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 3,949 |
| Cost of funding earning assets | 0.7307% | 1,899 |
| Net interest margin | 3.2971% | 4,264 |
| Noninterest income to average assets | 0.1174% | 5,088 |
| Noninterest expense to average assets | 2.7479% | 2,866 |
| Loan and lease loss provision to assets | 0.0160% | 3,833 |
| Net operating income to assets | 0.3811% | 4,890 |
| Return on assets (ROA) | 0.2748% | 5,034 |
| Pretax return on assets | 0.4344% | 4,900 |
| Return on Equity (ROE) | 1.9219% | 5,054 |
| Retained earnings to average equity (ytd only) | 1.9219% | 4,380 |
| Net charge-offs to loans | 0.1051% | 1,710 |
| Credit loss provision to net charge-offs | 21.5385% | 3,393 |
| Earnings coverage of net charge-offs (x) | 7.8923% | 2,943 |
| Efficiency ratio | 82.4495% | 752 |
| Assets per employee ($millions) | 5.8213% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7830% | 4,593 |
| Loan loss allowance to noncurrent loans | 49.7942% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 1.3662% | 912 |
| Noncurrent loans to loans | 1.5724% | 939 |
| Net loans and leases to total assets | 70.2382% | 2,531 |
| Net loans and leases to deposits | 87.6748% | 2,087 |
| Net loans and leases to core deposits | 89.0457% | 2,648 |
| Total domestic deposits to total assets | 80.1122% | 4,079 |
| Equity capital to assets | 14.5831% | 814 |
| Core capital (leverage) ratio | 15.2901% | 628 |
| Tier 1 risk-based capital ratio | 30.3700% | 461 |
| Total risk-based capital ratio | 31.4632% | 455 |
| Memoranda: | ||
| Average total assets | $87,704,800 | 4,305 |
| Average earning assets | $85,530,800 | 4,228 |
| Average equity | $12,539,800 | 3,950 |
| Average total loans | $61,829,200 | 4,051 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0034% | 3,920 |
| Cost of funding earning assets | 0.7103% | 1,794 |
| Net interest margin | 3.2931% | 4,298 |
| Noninterest income to average assets | 0.0835% | 5,265 |
| Noninterest expense to average assets | 2.7228% | 2,909 |
| Loan and lease loss provision to assets | 0.0501% | 2,984 |
| Net operating income to assets | 0.3375% | 5,050 |
| Return on assets (ROA) | 0.1959% | 5,192 |
| Pretax return on assets | 0.3417% | 5,097 |
| Return on Equity (ROE) | 1.3770% | 5,197 |
| Retained earnings to average equity (ytd only) | 1.3770% | 4,752 |
| Net charge-offs to loans | 0.1402% | 1,163 |
| Credit loss provision to net charge-offs | 50.7692% | 2,822 |
| Earnings coverage of net charge-offs (x) | 5.7849% | 2,936 |
| Efficiency ratio | 82.6648% | 731 |
| Assets per employee ($millions) | 6.2029% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8096% | 4,578 |
| Loan loss allowance to noncurrent loans | 104.7917% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 1,779 |
| Noncurrent loans to loans | 0.7726% | 2,154 |
| Net loans and leases to total assets | 70.9627% | 2,499 |
| Net loans and leases to deposits | 87.7697% | 2,179 |
| Net loans and leases to core deposits | 89.4748% | 2,703 |
| Total domestic deposits to total assets | 80.8510% | 3,904 |
| Equity capital to assets | 14.5359% | 822 |
| Core capital (leverage) ratio | 15.0469% | 692 |
| Tier 1 risk-based capital ratio | 30.2470% | 467 |
| Total risk-based capital ratio | 31.3879% | 460 |
| Memoranda: | ||
| Average total assets | $87,801,000 | 4,354 |
| Average earning assets | $85,591,750 | 4,271 |
| Average equity | $12,491,250 | 3,985 |
| Average total loans | $61,832,500 | 4,088 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9578% | 3,907 |
| Cost of funding earning assets | 0.6942% | 1,652 |
| Net interest margin | 3.2636% | 4,349 |
| Noninterest income to average assets | 0.0885% | 5,299 |
| Noninterest expense to average assets | 2.7689% | 2,768 |
| Loan and lease loss provision to assets | 0.0386% | 3,138 |
| Net operating income to assets | 0.2751% | 5,155 |
| Return on assets (ROA) | 0.0635% | 5,306 |
| Pretax return on assets | 0.1929% | 5,244 |
| Return on Equity (ROE) | 0.4499% | 5,308 |
| Retained earnings to average equity (ytd only) | 0.4499% | 4,877 |
| Net charge-offs to loans | 0.2106% | 748 |
| Credit loss provision to net charge-offs | 26.1538% | 2,648 |
| Earnings coverage of net charge-offs (x) | 3.3846% | 2,880 |
| Efficiency ratio | 84.7222% | 646 |
| Assets per employee ($millions) | 6.2644% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,705 |
| Loan loss allowance to noncurrent loans | 143.2353% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6898% | 2,164 |
| Noncurrent loans to loans | 0.5570% | 2,746 |
| Net loans and leases to total assets | 69.0414% | 2,716 |
| Net loans and leases to deposits | 85.1306% | 2,419 |
| Net loans and leases to core deposits | 86.4469% | 2,882 |
| Total domestic deposits to total assets | 81.1006% | 3,966 |
| Equity capital to assets | 14.2803% | 865 |
| Core capital (leverage) ratio | 14.8949% | 693 |
| Tier 1 risk-based capital ratio | 30.0125% | 475 |
| Total risk-based capital ratio | 31.1169% | 476 |
| Memoranda: | ||
| Average total assets | $88,121,330 | 4,381 |
| Average earning assets | $85,856,000 | 4,301 |
| Average equity | $12,447,330 | 4,020 |
| Average total loans | $61,734,330 | 4,121 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8938% | 3,943 |
| Cost of funding earning assets | 0.6978% | 1,459 |
| Net interest margin | 3.1960% | 4,474 |
| Noninterest income to average assets | -0.1404% | 5,593 |
| Noninterest expense to average assets | 2.7306% | 2,939 |
| Loan and lease loss provision to assets | 0.0045% | 3,446 |
| Net operating income to assets | 0.2229% | 5,217 |
| Return on assets (ROA) | -0.1992% | 5,440 |
| Pretax return on assets | -0.2989% | 5,469 |
| Return on Equity (ROE) | -1.4183% | 5,434 |
| Retained earnings to average equity (ytd only) | -1.4183% | 4,957 |
| Net charge-offs to loans | 0.3866% | 406 |
| Credit loss provision to net charge-offs | 1.6667% | 2,198 |
| Earnings coverage of net charge-offs (x) | 0.8833% | 2,606 |
| Efficiency ratio | 91.9207% | 369 |
| Assets per employee ($millions) | 6.8378% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7676% | 4,874 |
| Loan loss allowance to noncurrent loans | 104.6154% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 1,671 |
| Noncurrent loans to loans | 0.7338% | 2,375 |
| Net loans and leases to total assets | 69.2241% | 2,599 |
| Net loans and leases to deposits | 84.3567% | 2,354 |
| Net loans and leases to core deposits | 85.8598% | 2,816 |
| Total domestic deposits to total assets | 82.0612% | 3,943 |
| Equity capital to assets | 13.9755% | 899 |
| Core capital (leverage) ratio | 14.7739% | 693 |
| Tier 1 risk-based capital ratio | 29.2864% | 502 |
| Total risk-based capital ratio | 30.3456% | 510 |
| Memoranda: | ||
| Average total assets | $88,331,500 | 4,426 |
| Average earning assets | $85,983,000 | 4,346 |
| Average equity | $12,409,000 | 4,061 |
| Average total loans | $62,083,000 | 4,150 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8053% | 4,038 |
| Cost of funding earning assets | 0.6863% | 1,100 |
| Net interest margin | 3.1190% | 4,651 |
| Noninterest income to average assets | 0.2021% | 4,934 |
| Noninterest expense to average assets | 2.6451% | 3,298 |
| Loan and lease loss provision to assets | -0.0088% | 5,304 |
| Net operating income to assets | 0.1182% | 5,240 |
| Return on assets (ROA) | 0.1182% | 5,243 |
| Pretax return on assets | 0.5975% | 4,743 |
| Return on Equity (ROE) | 0.8680% | 5,248 |
| Retained earnings to average equity (ytd only) | 0.8680% | 4,684 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7964% | 943 |
| Assets per employee ($millions) | 6.7517% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 4,630 |
| Loan loss allowance to noncurrent loans | 113.5881% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.9274% | 1,669 |
| Noncurrent loans to loans | 0.7578% | 2,310 |
| Net loans and leases to total assets | 70.2058% | 2,494 |
| Net loans and leases to deposits | 83.9855% | 2,491 |
| Net loans and leases to core deposits | 85.4684% | 2,947 |
| Total domestic deposits to total assets | 83.5927% | 3,359 |
| Equity capital to assets | 14.1218% | 870 |
| Core capital (leverage) ratio | 14.6954% | 683 |
| Tier 1 risk-based capital ratio | 29.3700% | 485 |
| Total risk-based capital ratio | 30.5686% | 481 |
| Memoranda: | ||
| Average total assets | $90,546,400 | 4,416 |
| Average earning assets | $88,008,800 | 4,334 |
| Average equity | $12,327,000 | 4,081 |
| Average total loans | $60,351,600 | 4,198 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,123 |
| Cost of funding earning assets | 0.6843% | 1,045 |
| Net interest margin | 3.0817% | 4,751 |
| Noninterest income to average assets | 0.2119% | 4,950 |
| Noninterest expense to average assets | 2.6318% | 3,310 |
| Loan and lease loss provision to assets | 0.0351% | 3,415 |
| Net operating income to assets | 0.2893% | 5,233 |
| Return on assets (ROA) | 0.2893% | 5,257 |
| Pretax return on assets | 0.5392% | 4,950 |
| Return on Equity (ROE) | 2.1445% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.1445% | 4,575 |
| Net charge-offs to loans | 0.0022% | 3,686 |
| Credit loss provision to net charge-offs | 2,400.0000% | 179 |
| Earnings coverage of net charge-offs (x) | 393.9774% | 240 |
| Efficiency ratio | 82.0875% | 907 |
| Assets per employee ($millions) | 6.2893% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 4,462 |
| Loan loss allowance to noncurrent loans | 117.4274% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.9370% | 1,823 |
| Noncurrent loans to loans | 0.7837% | 2,403 |
| Net loans and leases to total assets | 69.2095% | 2,668 |
| Net loans and leases to deposits | 82.0341% | 2,773 |
| Net loans and leases to core deposits | 83.1875% | 3,201 |
| Total domestic deposits to total assets | 84.3668% | 2,971 |
| Equity capital to assets | 14.1499% | 953 |
| Core capital (leverage) ratio | 14.5588% | 755 |
| Tier 1 risk-based capital ratio | 28.9776% | 520 |
| Total risk-based capital ratio | 30.2276% | 509 |
| Memoranda: | ||
| Average total assets | $91,240,000 | 4,445 |
| Average earning assets | $88,650,000 | 4,357 |
| Average equity | $12,310,000 | 4,126 |
| Average total loans | $59,900,500 | 4,243 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6492% | 4,365 |
| Cost of funding earning assets | 0.6915% | 936 |
| Net interest margin | 2.9577% | 4,990 |
| Noninterest income to average assets | 0.2275% | 4,884 |
| Noninterest expense to average assets | 2.6630% | 3,225 |
| Loan and lease loss provision to assets | 0.0498% | 2,993 |
| Net operating income to assets | 0.1885% | 5,412 |
| Return on assets (ROA) | 0.1885% | 5,419 |
| Pretax return on assets | 0.3879% | 5,189 |
| Return on Equity (ROE) | 1.4192% | 5,421 |
| Retained earnings to average equity (ytd only) | 1.4192% | 4,679 |
| Net charge-offs to loans | 0.0034% | 3,369 |
| Credit loss provision to net charge-offs | 2,300.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 202.0000% | 409 |
| Efficiency ratio | 85.8840% | 697 |
| Assets per employee ($millions) | 6.4593% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 4,602 |
| Loan loss allowance to noncurrent loans | 84.9624% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 0.9024% | 1,965 |
| Noncurrent loans to loans | 1.0699% | 1,832 |
| Net loans and leases to total assets | 68.1112% | 2,801 |
| Net loans and leases to deposits | 80.1585% | 2,893 |
| Net loans and leases to core deposits | 81.2444% | 3,318 |
| Total domestic deposits to total assets | 84.9707% | 2,828 |
| Equity capital to assets | 13.6647% | 1,084 |
| Core capital (leverage) ratio | 14.1694% | 812 |
| Tier 1 risk-based capital ratio | 27.7654% | 563 |
| Total risk-based capital ratio | 28.9757% | 553 |
| Memoranda: | ||
| Average total assets | $92,303,330 | 4,454 |
| Average earning assets | $89,663,670 | 4,365 |
| Average equity | $12,260,330 | 4,147 |
| Average total loans | $59,365,670 | 4,280 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4705% | 4,777 |
| Cost of funding earning assets | 0.7206% | 759 |
| Net interest margin | 2.7499% | 5,327 |
| Noninterest income to average assets | 0.1502% | 5,364 |
| Noninterest expense to average assets | 2.7413% | 2,986 |
| Loan and lease loss provision to assets | -0.0257% | 5,679 |
| Net operating income to assets | -0.0257% | 5,621 |
| Return on assets (ROA) | -0.0257% | 5,627 |
| Pretax return on assets | 0.1030% | 5,512 |
| Return on Equity (ROE) | -0.1965% | 5,623 |
| Retained earnings to average equity (ytd only) | -0.1965% | 4,949 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2603% | 285 |
| Assets per employee ($millions) | 7.0518% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9232% | 4,664 |
| Loan loss allowance to noncurrent loans | 71.0317% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 1.1137% | 1,594 |
| Noncurrent loans to loans | 1.2996% | 1,557 |
| Net loans and leases to total assets | 62.8673% | 3,415 |
| Net loans and leases to deposits | 73.6449% | 3,437 |
| Net loans and leases to core deposits | 74.8704% | 3,751 |
| Total domestic deposits to total assets | 85.3655% | 2,934 |
| Equity capital to assets | 13.3124% | 1,142 |
| Core capital (leverage) ratio | 13.6396% | 927 |
| Tier 1 risk-based capital ratio | 28.4084% | 533 |
| Total risk-based capital ratio | 29.5914% | 524 |
| Memoranda: | ||
| Average total assets | $93,240,000 | 4,476 |
| Average earning assets | $90,477,500 | 4,385 |
| Average equity | $12,212,000 | 4,181 |
| Average total loans | $57,969,500 | 4,346 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 4,571 |
| Cost of funding earning assets | 0.8424% | 403 |
| Net interest margin | 2.7345% | 5,374 |
| Noninterest income to average assets | -0.1158% | 5,892 |
| Noninterest expense to average assets | 2.7912% | 3,053 |
| Loan and lease loss provision to assets | 0.0524% | 3,342 |
| Net operating income to assets | -0.1732% | 5,709 |
| Return on assets (ROA) | -0.1732% | 5,722 |
| Pretax return on assets | -0.3021% | 5,741 |
| Return on Equity (ROE) | -1.3919% | 5,723 |
| Retained earnings to average equity (ytd only) | -1.3919% | 5,484 |
| Net charge-offs to loans | 0.3455% | 790 |
| Credit loss provision to net charge-offs | 24.8804% | 3,637 |
| Earnings coverage of net charge-offs (x) | -1.1866% | 4,175 |
| Efficiency ratio | 109.8257% | 126 |
| Assets per employee ($millions) | 6.3204% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9400% | 4,623 |
| Loan loss allowance to noncurrent loans | 53.4449% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 1,458 |
| Noncurrent loans to loans | 1.7587% | 1,086 |
| Net loans and leases to total assets | 60.3612% | 3,808 |
| Net loans and leases to deposits | 70.3281% | 3,875 |
| Net loans and leases to core deposits | 72.8929% | 4,022 |
| Total domestic deposits to total assets | 85.8279% | 2,665 |
| Equity capital to assets | 12.8895% | 1,307 |
| Core capital (leverage) ratio | 13.4794% | 977 |
| Tier 1 risk-based capital ratio | 27.7039% | 581 |
| Total risk-based capital ratio | 28.8691% | 572 |
| Memoranda: | ||
| Average total assets | $99,311,800 | 4,360 |
| Average earning assets | $96,506,800 | 4,263 |
| Average equity | $12,357,200 | 4,199 |
| Average total loans | $60,500,200 | 4,283 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6076% | 4,531 |
| Cost of funding earning assets | 0.8640% | 356 |
| Net interest margin | 2.7435% | 5,441 |
| Noninterest income to average assets | -0.2071% | 5,967 |
| Noninterest expense to average assets | 2.7983% | 3,016 |
| Loan and lease loss provision to assets | 0.0863% | 2,501 |
| Net operating income to assets | -0.2655% | 5,812 |
| Return on assets (ROA) | -0.2655% | 5,821 |
| Pretax return on assets | -0.4235% | 5,843 |
| Return on Equity (ROE) | -2.1520% | 5,814 |
| Retained earnings to average equity (ytd only) | -2.1520% | 5,602 |
| Net charge-offs to loans | 0.4489% | 470 |
| Credit loss provision to net charge-offs | 31.5534% | 3,211 |
| Earnings coverage of net charge-offs (x) | -1.2330% | 3,858 |
| Efficiency ratio | 113.7001% | 107 |
| Assets per employee ($millions) | 6.4115% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 4,674 |
| Loan loss allowance to noncurrent loans | 48.6087% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 1,239 |
| Noncurrent loans to loans | 1.9499% | 1,020 |
| Net loans and leases to total assets | 60.7433% | 3,775 |
| Net loans and leases to deposits | 70.6530% | 3,921 |
| Net loans and leases to core deposits | 73.1762% | 4,066 |
| Total domestic deposits to total assets | 85.9741% | 2,370 |
| Equity capital to assets | 12.6960% | 1,648 |
| Core capital (leverage) ratio | 13.0488% | 1,172 |
| Tier 1 risk-based capital ratio | 27.4327% | 615 |
| Total risk-based capital ratio | 28.6222% | 607 |
| Memoranda: | ||
| Average total assets | $100,438,250 | 4,379 |
| Average earning assets | $97,681,250 | 4,278 |
| Average equity | $12,391,500 | 4,228 |
| Average total loans | $61,183,000 | 4,287 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6103% | 4,556 |
| Cost of funding earning assets | 0.8864% | 312 |
| Net interest margin | 2.7239% | 5,543 |
| Noninterest income to average assets | -0.3947% | 6,046 |
| Noninterest expense to average assets | 2.7881% | 3,064 |
| Loan and lease loss provision to assets | 0.1630% | 1,387 |
| Net operating income to assets | -0.4379% | 5,909 |
| Return on assets (ROA) | -0.4379% | 5,916 |
| Pretax return on assets | -0.6970% | 5,947 |
| Return on Equity (ROE) | -3.5818% | 5,912 |
| Retained earnings to average equity (ytd only) | -3.5818% | 5,679 |
| Net charge-offs to loans | 0.6040% | 346 |
| Credit loss provision to net charge-offs | 44.3850% | 2,726 |
| Earnings coverage of net charge-offs (x) | -1.4545% | 3,600 |
| Efficiency ratio | 123.6934% | 80 |
| Assets per employee ($millions) | 6.6692% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9740% | 4,651 |
| Loan loss allowance to noncurrent loans | 51.6017% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.4235% | 1,369 |
| Noncurrent loans to loans | 1.8875% | 1,077 |
| Net loans and leases to total assets | 60.5740% | 3,811 |
| Net loans and leases to deposits | 69.9411% | 3,987 |
| Net loans and leases to core deposits | 73.4652% | 4,036 |
| Total domestic deposits to total assets | 86.6071% | 2,110 |
| Equity capital to assets | 12.1994% | 1,970 |
| Core capital (leverage) ratio | 12.6303% | 1,292 |
| Tier 1 risk-based capital ratio | 27.1271% | 640 |
| Total risk-based capital ratio | 28.3756% | 624 |
| Memoranda: | ||
| Average total assets | $101,860,330 | 4,394 |
| Average earning assets | $99,049,670 | 4,287 |
| Average equity | $12,452,000 | 4,243 |
| Average total loans | $61,918,330 | 4,287 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5964% | 4,620 |
| Cost of funding earning assets | 0.9091% | 279 |
| Net interest margin | 2.6873% | 5,634 |
| Noninterest income to average assets | 0.1323% | 5,682 |
| Noninterest expense to average assets | 2.7790% | 3,150 |
| Loan and lease loss provision to assets | -0.0428% | 5,938 |
| Net operating income to assets | 0.0078% | 5,777 |
| Return on assets (ROA) | 0.0078% | 5,805 |
| Pretax return on assets | 0.0078% | 5,802 |
| Return on Equity (ROE) | 0.0636% | 5,806 |
| Retained earnings to average equity (ytd only) | 0.0636% | 5,089 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2766% | 264 |
| Assets per employee ($millions) | 5.6981% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1230% | 3,926 |
| Loan loss allowance to noncurrent loans | 29.7753% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 2.9152% | 442 |
| Noncurrent loans to loans | 3.7714% | 337 |
| Net loans and leases to total assets | 59.1492% | 3,902 |
| Net loans and leases to deposits | 68.1698% | 4,042 |
| Net loans and leases to core deposits | 72.2510% | 4,049 |
| Total domestic deposits to total assets | 86.7675% | 2,319 |
| Equity capital to assets | 12.2740% | 1,848 |
| Core capital (leverage) ratio | 12.6360% | 1,290 |
| Tier 1 risk-based capital ratio | 27.1075% | 665 |
| Total risk-based capital ratio | 28.3585% | 648 |
| Memoranda: | ||
| Average total assets | $102,771,500 | 4,410 |
| Average earning assets | $99,876,500 | 4,300 |
| Average equity | $12,576,000 | 4,228 |
| Average total loans | $62,281,000 | 4,306 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 4,298 |
| Cost of funding earning assets | 0.9296% | 248 |
| Net interest margin | 2.7937% | 5,522 |
| Noninterest income to average assets | 0.1976% | 5,403 |
| Noninterest expense to average assets | 2.6853% | 3,630 |
| Loan and lease loss provision to assets | 0.1937% | 1,136 |
| Net operating income to assets | 0.0331% | 5,842 |
| Return on assets (ROA) | 0.0331% | 5,869 |
| Pretax return on assets | 0.0419% | 5,856 |
| Return on Equity (ROE) | 0.2677% | 5,868 |
| Retained earnings to average equity (ytd only) | 0.2677% | 5,406 |
| Net charge-offs to loans | 0.0884% | 2,559 |
| Credit loss provision to net charge-offs | 355.3571% | 839 |
| Earnings coverage of net charge-offs (x) | 4.3214% | 3,575 |
| Efficiency ratio | 91.9360% | 575 |
| Assets per employee ($millions) | 5.4198% | 1,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 4,007 |
| Loan loss allowance to noncurrent loans | 39.8633% | 5,109 |
| Noncurrent assets plus other real estate owned to assets | 2.3617% | 677 |
| Noncurrent loans to loans | 2.7782% | 623 |
| Net loans and leases to total assets | 60.6990% | 3,739 |
| Net loans and leases to deposits | 69.7892% | 3,946 |
| Net loans and leases to core deposits | 74.4465% | 3,896 |
| Total domestic deposits to total assets | 86.9748% | 2,154 |
| Equity capital to assets | 12.1998% | 1,813 |
| Core capital (leverage) ratio | 12.7765% | 1,234 |
| Tier 1 risk-based capital ratio | 26.6793% | 693 |
| Total risk-based capital ratio | 27.9303% | 671 |
| Memoranda: | ||
| Average total assets | $102,743,000 | 4,411 |
| Average earning assets | $100,153,600 | 4,287 |
| Average equity | $12,699,800 | 4,189 |
| Average total loans | $63,354,000 | 4,281 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 4,287 |
| Cost of funding earning assets | 0.9289% | 248 |
| Net interest margin | 2.8118% | 5,557 |
| Noninterest income to average assets | 0.1987% | 5,454 |
| Noninterest expense to average assets | 2.6722% | 3,662 |
| Loan and lease loss provision to assets | -0.0026% | 5,786 |
| Net operating income to assets | 0.1701% | 5,736 |
| Return on assets (ROA) | 0.1701% | 5,790 |
| Pretax return on assets | 0.2727% | 5,685 |
| Return on Equity (ROE) | 1.3716% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.3716% | 5,175 |
| Net charge-offs to loans | 0.1157% | 1,971 |
| Credit loss provision to net charge-offs | -3.6364% | 4,820 |
| Earnings coverage of net charge-offs (x) | 3.7819% | 3,455 |
| Efficiency ratio | 90.8208% | 641 |
| Assets per employee ($millions) | 5.3488% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7912% | 5,539 |
| Loan loss allowance to noncurrent loans | 53.4759% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 1.8912% | 1,104 |
| Noncurrent loans to loans | 1.4795% | 1,691 |
| Net loans and leases to total assets | 61.6936% | 3,653 |
| Net loans and leases to deposits | 71.4092% | 3,835 |
| Net loans and leases to core deposits | 76.2759% | 3,773 |
| Total domestic deposits to total assets | 86.3945% | 2,329 |
| Equity capital to assets | 12.4887% | 1,747 |
| Core capital (leverage) ratio | 12.8050% | 1,269 |
| Tier 1 risk-based capital ratio | 27.0143% | 684 |
| Total risk-based capital ratio | 28.0353% | 684 |
| Memoranda: | ||
| Average total assets | $102,684,500 | 4,456 |
| Average earning assets | $100,192,500 | 4,326 |
| Average equity | $12,734,000 | 4,231 |
| Average total loans | $63,391,000 | 4,324 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7117% | 4,374 |
| Cost of funding earning assets | 0.9289% | 249 |
| Net interest margin | 2.7828% | 5,652 |
| Noninterest income to average assets | 0.2000% | 5,483 |
| Noninterest expense to average assets | 2.6792% | 3,658 |
| Loan and lease loss provision to assets | -0.0019% | 5,928 |
| Net operating income to assets | 0.1456% | 5,817 |
| Return on assets (ROA) | 0.1456% | 5,864 |
| Pretax return on assets | 0.2446% | 5,747 |
| Return on Equity (ROE) | 1.1768% | 5,871 |
| Retained earnings to average equity (ytd only) | 1.1768% | 5,094 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6944% | 657 |
| Assets per employee ($millions) | 5.4588% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 5,385 |
| Loan loss allowance to noncurrent loans | 33.5344% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 1.8145% | 1,266 |
| Noncurrent loans to loans | 2.6132% | 842 |
| Net loans and leases to total assets | 60.6365% | 3,735 |
| Net loans and leases to deposits | 69.8029% | 3,957 |
| Net loans and leases to core deposits | 74.3982% | 3,919 |
| Total domestic deposits to total assets | 86.8682% | 2,235 |
| Equity capital to assets | 12.1888% | 1,881 |
| Core capital (leverage) ratio | 12.6523% | 1,312 |
| Tier 1 risk-based capital ratio | 26.7613% | 724 |
| Total risk-based capital ratio | 27.8905% | 717 |
| Memoranda: | ||
| Average total assets | $103,015,000 | 4,489 |
| Average earning assets | $100,761,670 | 4,351 |
| Average equity | $12,746,670 | 4,252 |
| Average total loans | $63,455,330 | 4,355 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8004% | 4,007 |
| Cost of funding earning assets | 0.9202% | 260 |
| Net interest margin | 2.8802% | 5,491 |
| Noninterest income to average assets | 0.2649% | 5,060 |
| Noninterest expense to average assets | 2.6140% | 3,884 |
| Loan and lease loss provision to assets | 0.0506% | 2,922 |
| Net operating income to assets | 0.2571% | 5,541 |
| Return on assets (ROA) | 0.2571% | 5,637 |
| Pretax return on assets | 0.4168% | 5,394 |
| Return on Equity (ROE) | 2.0610% | 5,677 |
| Retained earnings to average equity (ytd only) | 2.0610% | 4,645 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8293% | 1,287 |
| Assets per employee ($millions) | 5.3677% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 5,427 |
| Loan loss allowance to noncurrent loans | 36.7268% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.7493% | 1,413 |
| Noncurrent loans to loans | 2.4642% | 989 |
| Net loans and leases to total assets | 61.1976% | 3,494 |
| Net loans and leases to deposits | 70.5638% | 3,684 |
| Net loans and leases to core deposits | 75.0138% | 3,687 |
| Total domestic deposits to total assets | 86.7266% | 2,539 |
| Equity capital to assets | 12.6076% | 1,626 |
| Core capital (leverage) ratio | 12.8122% | 1,228 |
| Tier 1 risk-based capital ratio | 27.5704% | 674 |
| Total risk-based capital ratio | 28.7721% | 660 |
| Memoranda: | ||
| Average total assets | $102,678,500 | 4,537 |
| Average earning assets | $100,409,500 | 4,390 |
| Average equity | $12,809,500 | 4,269 |
| Average total loans | $63,472,000 | 4,382 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 4,244 |
| Cost of funding earning assets | 1.0195% | 212 |
| Net interest margin | 2.8505% | 5,729 |
| Noninterest income to average assets | 0.1422% | 5,985 |
| Noninterest expense to average assets | 2.5307% | 4,452 |
| Loan and lease loss provision to assets | -0.0264% | 5,953 |
| Net operating income to assets | 0.2693% | 5,598 |
| Return on assets (ROA) | 0.2693% | 5,669 |
| Pretax return on assets | 0.4255% | 5,428 |
| Return on Equity (ROE) | 2.2631% | 5,700 |
| Retained earnings to average equity (ytd only) | 2.2631% | 4,628 |
| Net charge-offs to loans | 0.0200% | 4,447 |
| Credit loss provision to net charge-offs | -215.3846% | 5,645 |
| Earnings coverage of net charge-offs (x) | 32.6154% | 1,255 |
| Efficiency ratio | 86.3753% | 1,133 |
| Assets per employee ($millions) | 5.4406% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8708% | 5,563 |
| Loan loss allowance to noncurrent loans | 35.5911% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 1.8313% | 1,418 |
| Noncurrent loans to loans | 2.4468% | 1,051 |
| Net loans and leases to total assets | 61.3364% | 3,593 |
| Net loans and leases to deposits | 70.5657% | 3,834 |
| Net loans and leases to core deposits | 74.9279% | 3,826 |
| Total domestic deposits to total assets | 86.9209% | 2,326 |
| Equity capital to assets | 12.3449% | 1,739 |
| Core capital (leverage) ratio | 12.6339% | 1,292 |
| Tier 1 risk-based capital ratio | 27.2202% | 667 |
| Total risk-based capital ratio | 28.3877% | 653 |
| Memoranda: | ||
| Average total assets | $106,217,000 | 4,449 |
| Average earning assets | $103,877,200 | 4,313 |
| Average equity | $12,637,800 | 4,255 |
| Average total loans | $65,147,200 | 4,326 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8500% | 4,369 |
| Cost of funding earning assets | 1.0262% | 217 |
| Net interest margin | 2.8238% | 5,836 |
| Noninterest income to average assets | 0.1409% | 6,071 |
| Noninterest expense to average assets | 2.5337% | 4,418 |
| Loan and lease loss provision to assets | -0.0524% | 6,194 |
| Net operating income to assets | 0.2668% | 5,690 |
| Return on assets (ROA) | 0.2668% | 5,754 |
| Pretax return on assets | 0.4215% | 5,538 |
| Return on Equity (ROE) | 2.2633% | 5,776 |
| Retained earnings to average equity (ytd only) | 2.2633% | 4,927 |
| Net charge-offs to loans | 0.0285% | 3,915 |
| Credit loss provision to net charge-offs | -300.0000% | 5,639 |
| Earnings coverage of net charge-offs (x) | 21.1387% | 1,694 |
| Efficiency ratio | 87.2852% | 1,072 |
| Assets per employee ($millions) | 5.2519% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8265% | 5,806 |
| Loan loss allowance to noncurrent loans | 48.9612% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 2,393 |
| Noncurrent loans to loans | 1.6882% | 1,929 |
| Net loans and leases to total assets | 61.9128% | 3,497 |
| Net loans and leases to deposits | 71.0585% | 3,784 |
| Net loans and leases to core deposits | 75.5940% | 3,799 |
| Total domestic deposits to total assets | 87.1294% | 2,244 |
| Equity capital to assets | 12.0661% | 2,003 |
| Core capital (leverage) ratio | 12.3640% | 1,484 |
| Tier 1 risk-based capital ratio | 25.9339% | 794 |
| Total risk-based capital ratio | 27.0205% | 788 |
| Memoranda: | ||
| Average total assets | $106,928,500 | 4,485 |
| Average earning assets | $104,586,250 | 4,336 |
| Average equity | $12,607,000 | 4,287 |
| Average total loans | $65,443,750 | 4,355 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8477% | 4,341 |
| Cost of funding earning assets | 1.0280% | 225 |
| Net interest margin | 2.8198% | 5,863 |
| Noninterest income to average assets | 0.1450% | 6,093 |
| Noninterest expense to average assets | 2.5381% | 4,459 |
| Loan and lease loss provision to assets | -0.1376% | 6,412 |
| Net operating income to assets | 0.3180% | 5,505 |
| Return on assets (ROA) | 0.3180% | 5,583 |
| Pretax return on assets | 0.5039% | 5,264 |
| Return on Equity (ROE) | 2.7176% | 5,619 |
| Retained earnings to average equity (ytd only) | 2.7176% | 4,472 |
| Net charge-offs to loans | 0.0398% | 3,435 |
| Credit loss provision to net charge-offs | -569.2308% | 5,599 |
| Earnings coverage of net charge-offs (x) | 15.1538% | 1,868 |
| Efficiency ratio | 87.3880% | 1,144 |
| Assets per employee ($millions) | 5.3627% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 6,003 |
| Loan loss allowance to noncurrent loans | 78.0153% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 3,716 |
| Noncurrent loans to loans | 1.0120% | 3,212 |
| Net loans and leases to total assets | 59.8697% | 3,744 |
| Net loans and leases to deposits | 68.3972% | 4,011 |
| Net loans and leases to core deposits | 72.6314% | 3,981 |
| Total domestic deposits to total assets | 87.5323% | 2,183 |
| Equity capital to assets | 11.7936% | 2,163 |
| Core capital (leverage) ratio | 12.0715% | 1,620 |
| Tier 1 risk-based capital ratio | 26.1275% | 759 |
| Total risk-based capital ratio | 27.1635% | 766 |
| Memoranda: | ||
| Average total assets | $107,558,670 | 4,497 |
| Average earning assets | $105,257,330 | 4,342 |
| Average equity | $12,584,670 | 4,303 |
| Average total loans | $65,400,330 | 4,380 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8557% | 4,269 |
| Cost of funding earning assets | 1.0436% | 219 |
| Net interest margin | 2.8121% | 5,911 |
| Noninterest income to average assets | 0.1448% | 6,102 |
| Noninterest expense to average assets | 2.4918% | 4,653 |
| Loan and lease loss provision to assets | -0.1040% | 6,497 |
| Net operating income to assets | 0.3194% | 5,428 |
| Return on assets (ROA) | 0.3194% | 5,476 |
| Pretax return on assets | 0.5088% | 5,144 |
| Return on Equity (ROE) | 2.7405% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.7405% | 4,445 |
| Net charge-offs to loans | 0.0608% | 2,551 |
| Credit loss provision to net charge-offs | -280.0000% | 5,026 |
| Earnings coverage of net charge-offs (x) | 10.9000% | 1,818 |
| Efficiency ratio | 86.0256% | 1,452 |
| Assets per employee ($millions) | 5.3814% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8536% | 5,994 |
| Loan loss allowance to noncurrent loans | 93.3333% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 4,018 |
| Noncurrent loans to loans | 0.9146% | 3,599 |
| Net loans and leases to total assets | 60.4322% | 3,488 |
| Net loans and leases to deposits | 68.8341% | 3,758 |
| Net loans and leases to core deposits | 73.0514% | 3,758 |
| Total domestic deposits to total assets | 87.7941% | 2,348 |
| Equity capital to assets | 11.7135% | 2,095 |
| Core capital (leverage) ratio | 11.9556% | 1,677 |
| Tier 1 risk-based capital ratio | 25.5591% | 827 |
| Total risk-based capital ratio | 26.6763% | 827 |
| Memoranda: | ||
| Average total assets | $107,711,500 | 4,536 |
| Average earning assets | $105,403,000 | 4,380 |
| Average equity | $12,552,500 | 4,330 |
| Average total loans | $65,739,000 | 4,400 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 4,196 |
| Cost of funding earning assets | 1.0904% | 299 |
| Net interest margin | 2.8801% | 5,822 |
| Noninterest income to average assets | 0.1535% | 6,171 |
| Noninterest expense to average assets | 2.3480% | 5,240 |
| Loan and lease loss provision to assets | 0.0638% | 3,857 |
| Net operating income to assets | 0.3476% | 5,343 |
| Return on assets (ROA) | 0.3476% | 5,458 |
| Pretax return on assets | 0.5519% | 5,043 |
| Return on Equity (ROE) | 3.0140% | 5,503 |
| Retained earnings to average equity (ytd only) | 3.0140% | 4,089 |
| Net charge-offs to loans | 0.0770% | 4,138 |
| Credit loss provision to net charge-offs | 135.2941% | 1,736 |
| Earnings coverage of net charge-offs (x) | 13.0588% | 2,067 |
| Efficiency ratio | 79.2265% | 2,280 |
| Assets per employee ($millions) | 5.3898% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9078% | 5,898 |
| Loan loss allowance to noncurrent loans | 47.3101% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 1.3127% | 2,799 |
| Noncurrent loans to loans | 1.9188% | 2,094 |
| Net loans and leases to total assets | 60.5575% | 3,619 |
| Net loans and leases to deposits | 68.8231% | 3,934 |
| Net loans and leases to core deposits | 72.9999% | 3,948 |
| Total domestic deposits to total assets | 87.9902% | 2,182 |
| Equity capital to assets | 11.5942% | 2,102 |
| Core capital (leverage) ratio | 11.8551% | 1,713 |
| Tier 1 risk-based capital ratio | 25.2427% | 834 |
| Total risk-based capital ratio | 26.4303% | 821 |
| Memoranda: | ||
| Average total assets | $108,176,000 | 4,544 |
| Average earning assets | $105,552,800 | 4,376 |
| Average equity | $12,475,200 | 4,361 |
| Average total loans | $66,226,200 | 4,405 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9938% | 4,153 |
| Cost of funding earning assets | 1.0947% | 323 |
| Net interest margin | 2.8990% | 5,818 |
| Noninterest income to average assets | 0.1527% | 6,275 |
| Noninterest expense to average assets | 2.3484% | 5,188 |
| Loan and lease loss provision to assets | 0.0616% | 3,811 |
| Net operating income to assets | 0.3473% | 5,442 |
| Return on assets (ROA) | 0.3473% | 5,571 |
| Pretax return on assets | 0.5702% | 5,132 |
| Return on Equity (ROE) | 3.0153% | 5,598 |
| Retained earnings to average equity (ytd only) | 3.0153% | 4,516 |
| Net charge-offs to loans | 0.0221% | 4,687 |
| Credit loss provision to net charge-offs | 454.5455% | 586 |
| Earnings coverage of net charge-offs (x) | 46.6244% | 904 |
| Efficiency ratio | 78.8017% | 2,291 |
| Assets per employee ($millions) | 5.3859% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 5,956 |
| Loan loss allowance to noncurrent loans | 108.0279% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 4,433 |
| Noncurrent loans to loans | 0.8673% | 4,085 |
| Net loans and leases to total assets | 60.7605% | 3,570 |
| Net loans and leases to deposits | 69.1780% | 3,910 |
| Net loans and leases to core deposits | 73.7689% | 3,877 |
| Total domestic deposits to total assets | 87.8321% | 2,228 |
| Equity capital to assets | 11.5719% | 2,244 |
| Core capital (leverage) ratio | 11.7824% | 1,833 |
| Tier 1 risk-based capital ratio | 25.3351% | 849 |
| Total risk-based capital ratio | 26.5797% | 832 |
| Memoranda: | ||
| Average total assets | $108,271,250 | 4,579 |
| Average earning assets | $105,595,500 | 4,413 |
| Average equity | $12,469,500 | 4,404 |
| Average total loans | $66,313,750 | 4,439 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 4,054 |
| Cost of funding earning assets | 1.0956% | 346 |
| Net interest margin | 2.9160% | 5,765 |
| Noninterest income to average assets | 0.1420% | 6,340 |
| Noninterest expense to average assets | 2.3475% | 5,218 |
| Loan and lease loss provision to assets | 0.0258% | 4,402 |
| Net operating income to assets | 0.3836% | 5,271 |
| Return on assets (ROA) | 0.3836% | 5,440 |
| Pretax return on assets | 0.6104% | 4,982 |
| Return on Equity (ROE) | 3.3357% | 5,490 |
| Retained earnings to average equity (ytd only) | 3.3357% | 4,191 |
| Net charge-offs to loans | 0.0181% | 4,479 |
| Credit loss provision to net charge-offs | 233.3333% | 1,062 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 725 |
| Efficiency ratio | 78.6774% | 2,357 |
| Assets per employee ($millions) | 5.3896% | 1,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8966% | 6,139 |
| Loan loss allowance to noncurrent loans | 184.9057% | 2,120 |
| Noncurrent assets plus other real estate owned to assets | 0.4351% | 5,186 |
| Noncurrent loans to loans | 0.4849% | 5,054 |
| Net loans and leases to total assets | 60.2958% | 3,607 |
| Net loans and leases to deposits | 68.5078% | 3,935 |
| Net loans and leases to core deposits | 72.7898% | 3,956 |
| Total domestic deposits to total assets | 88.0130% | 2,237 |
| Equity capital to assets | 11.4814% | 2,312 |
| Core capital (leverage) ratio | 11.6838% | 1,812 |
| Tier 1 risk-based capital ratio | 25.2985% | 841 |
| Total risk-based capital ratio | 26.4767% | 832 |
| Memoranda: | ||
| Average total assets | $108,455,670 | 4,595 |
| Average earning assets | $105,692,330 | 4,444 |
| Average equity | $12,471,000 | 4,432 |
| Average total loans | $66,395,330 | 4,449 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0352% | 3,978 |
| Cost of funding earning assets | 1.0984% | 377 |
| Net interest margin | 2.9367% | 5,736 |
| Noninterest income to average assets | 0.1360% | 6,418 |
| Noninterest expense to average assets | 2.3422% | 5,296 |
| Loan and lease loss provision to assets | 0.0257% | 4,144 |
| Net operating income to assets | 0.3934% | 5,157 |
| Return on assets (ROA) | 0.3934% | 5,304 |
| Pretax return on assets | 0.6287% | 4,844 |
| Return on Equity (ROE) | 3.4189% | 5,381 |
| Retained earnings to average equity (ytd only) | 3.4189% | 4,201 |
| Net charge-offs to loans | 0.0299% | 3,613 |
| Credit loss provision to net charge-offs | 140.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 35.6000% | 866 |
| Efficiency ratio | 78.1595% | 2,584 |
| Assets per employee ($millions) | 5.4482% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8703% | 6,326 |
| Loan loss allowance to noncurrent loans | 160.7735% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4708% | 5,207 |
| Noncurrent loans to loans | 0.5413% | 5,096 |
| Net loans and leases to total assets | 60.8366% | 3,280 |
| Net loans and leases to deposits | 68.9809% | 3,639 |
| Net loans and leases to core deposits | 73.2082% | 3,677 |
| Total domestic deposits to total assets | 88.1933% | 2,200 |
| Equity capital to assets | 11.4983% | 2,412 |
| Core capital (leverage) ratio | 11.5073% | 1,879 |
| Tier 1 risk-based capital ratio | 24.7885% | 914 |
| Total risk-based capital ratio | 25.9389% | 917 |
| Memoranda: | ||
| Average total assets | $108,787,500 | 4,640 |
| Average earning assets | $105,967,500 | 4,475 |
| Average equity | $12,518,500 | 4,469 |
| Average total loans | $66,802,000 | 4,459 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0603% | 5,107 |
| Cost of funding earning assets | 1.2361% | 490 |
| Net interest margin | 2.8242% | 6,356 |
| Noninterest income to average assets | 0.0789% | 6,586 |
| Noninterest expense to average assets | 2.1997% | 5,924 |
| Loan and lease loss provision to assets | 0.0054% | 5,859 |
| Net operating income to assets | 0.4272% | 4,977 |
| Return on assets (ROA) | 0.4272% | 5,229 |
| Pretax return on assets | 0.6177% | 4,942 |
| Return on Equity (ROE) | 3.8091% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.8091% | 3,527 |
| Net charge-offs to loans | -0.1878% | 6,931 |
| Credit loss provision to net charge-offs | -4.8000% | 6,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9242% | 2,458 |
| Assets per employee ($millions) | 5.4306% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 6,345 |
| Loan loss allowance to noncurrent loans | 154.6667% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 5,261 |
| Noncurrent loans to loans | 0.5619% | 5,128 |
| Net loans and leases to total assets | 60.9073% | 3,439 |
| Net loans and leases to deposits | 68.9939% | 3,837 |
| Net loans and leases to core deposits | 72.5836% | 3,965 |
| Total domestic deposits to total assets | 88.2793% | 2,040 |
| Equity capital to assets | 11.5163% | 2,432 |
| Core capital (leverage) ratio | 11.4608% | 1,903 |
| Tier 1 risk-based capital ratio | 24.6884% | 886 |
| Total risk-based capital ratio | 25.8415% | 880 |
| Memoranda: | ||
| Average total assets | $110,240,600 | 4,584 |
| Average earning assets | $107,111,000 | 4,414 |
| Average equity | $12,365,000 | 4,483 |
| Average total loans | $66,570,000 | 4,476 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0463% | 5,370 |
| Cost of funding earning assets | 1.2532% | 547 |
| Net interest margin | 2.7931% | 6,510 |
| Noninterest income to average assets | 0.1362% | 6,462 |
| Noninterest expense to average assets | 2.1834% | 5,989 |
| Loan and lease loss provision to assets | 0.0639% | 4,911 |
| Net operating income to assets | 0.4133% | 5,193 |
| Return on assets (ROA) | 0.4133% | 5,422 |
| Pretax return on assets | 0.6013% | 5,163 |
| Return on Equity (ROE) | 3.7092% | 5,402 |
| Retained earnings to average equity (ytd only) | 3.7092% | 4,277 |
| Net charge-offs to loans | -0.2485% | 7,026 |
| Credit loss provision to net charge-offs | -42.7419% | 6,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6497% | 2,574 |
| Assets per employee ($millions) | 5.7779% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 6,260 |
| Loan loss allowance to noncurrent loans | 130.4167% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7142% | 4,900 |
| Noncurrent loans to loans | 0.7252% | 4,978 |
| Net loans and leases to total assets | 59.7258% | 3,831 |
| Net loans and leases to deposits | 67.5204% | 4,255 |
| Net loans and leases to core deposits | 70.7670% | 4,400 |
| Total domestic deposits to total assets | 88.4560% | 1,746 |
| Equity capital to assets | 11.2962% | 2,939 |
| Core capital (leverage) ratio | 11.2243% | 2,195 |
| Tier 1 risk-based capital ratio | 22.3306% | 1,273 |
| Total risk-based capital ratio | 23.4787% | 1,273 |
| Memoranda: | ||
| Average total assets | $110,648,000 | 4,622 |
| Average earning assets | $107,453,000 | 4,454 |
| Average equity | $12,329,250 | 4,533 |
| Average total loans | $66,529,500 | 4,526 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 5,404 |
| Cost of funding earning assets | 1.2608% | 619 |
| Net interest margin | 2.8149% | 6,550 |
| Noninterest income to average assets | 0.1262% | 6,555 |
| Noninterest expense to average assets | 2.1814% | 6,056 |
| Loan and lease loss provision to assets | 0.0577% | 4,937 |
| Net operating income to assets | 0.4651% | 4,980 |
| Return on assets (ROA) | 0.4651% | 5,218 |
| Pretax return on assets | 0.6202% | 5,070 |
| Return on Equity (ROE) | 4.1933% | 5,183 |
| Retained earnings to average equity (ytd only) | 4.1933% | 3,822 |
| Net charge-offs to loans | -0.3751% | 7,099 |
| Credit loss provision to net charge-offs | -25.6000% | 5,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2926% | 2,701 |
| Assets per employee ($millions) | 5.6312% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 6,438 |
| Loan loss allowance to noncurrent loans | 171.6714% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.5834% | 5,311 |
| Noncurrent loans to loans | 0.5272% | 5,468 |
| Net loans and leases to total assets | 58.9143% | 4,004 |
| Net loans and leases to deposits | 66.4187% | 4,454 |
| Net loans and leases to core deposits | 69.5124% | 4,591 |
| Total domestic deposits to total assets | 88.7012% | 1,706 |
| Equity capital to assets | 10.9392% | 3,181 |
| Core capital (leverage) ratio | 10.8655% | 2,425 |
| Tier 1 risk-based capital ratio | 22.3108% | 1,232 |
| Total risk-based capital ratio | 23.4294% | 1,235 |
| Memoranda: | ||
| Average total assets | $110,937,330 | 4,641 |
| Average earning assets | $107,712,330 | 4,468 |
| Average equity | $12,305,330 | 4,541 |
| Average total loans | $66,641,670 | 4,536 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1194% | 5,386 |
| Cost of funding earning assets | 1.2471% | 787 |
| Net interest margin | 2.8724% | 6,520 |
| Noninterest income to average assets | 0.1381% | 6,560 |
| Noninterest expense to average assets | 2.2708% | 5,852 |
| Loan and lease loss provision to assets | -0.0182% | 7,116 |
| Net operating income to assets | 0.4106% | 5,208 |
| Return on assets (ROA) | 0.4106% | 5,395 |
| Pretax return on assets | 0.6721% | 4,877 |
| Return on Equity (ROE) | 3.6754% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.6754% | 4,381 |
| Net charge-offs to loans | -0.1143% | 6,837 |
| Credit loss provision to net charge-offs | 26.3158% | 3,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6398% | 2,547 |
| Assets per employee ($millions) | 5.6154% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6875% | 6,891 |
| Loan loss allowance to noncurrent loans | 74.0800% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 0.8272% | 4,881 |
| Noncurrent loans to loans | 0.9281% | 4,812 |
| Net loans and leases to total assets | 59.5519% | 3,762 |
| Net loans and leases to deposits | 67.1665% | 4,199 |
| Net loans and leases to core deposits | 70.1242% | 4,400 |
| Total domestic deposits to total assets | 88.6632% | 1,909 |
| Equity capital to assets | 10.9842% | 2,921 |
| Core capital (leverage) ratio | 10.7580% | 2,482 |
| Tier 1 risk-based capital ratio | 21.7866% | 1,321 |
| Total risk-based capital ratio | 22.6215% | 1,381 |
| Memoranda: | ||
| Average total assets | $110,094,500 | 4,708 |
| Average earning assets | $106,810,500 | 4,520 |
| Average equity | $12,298,000 | 4,552 |
| Average total loans | $66,484,000 | 4,569 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 5,671 |
| Cost of funding earning assets | 1.3710% | 1,161 |
| Net interest margin | 2.9557% | 6,597 |
| Noninterest income to average assets | 0.1797% | 6,205 |
| Noninterest expense to average assets | 2.2873% | 6,075 |
| Loan and lease loss provision to assets | 0.2183% | 4,007 |
| Net operating income to assets | 0.3246% | 5,171 |
| Return on assets (ROA) | 0.3246% | 5,324 |
| Pretax return on assets | 0.5382% | 4,881 |
| Return on Equity (ROE) | 2.8799% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.8799% | 4,200 |
| Net charge-offs to loans | 0.2508% | 4,210 |
| Credit loss provision to net charge-offs | 146.8354% | 1,948 |
| Earnings coverage of net charge-offs (x) | 5.0886% | 2,899 |
| Efficiency ratio | 72.7975% | 3,429 |
| Assets per employee ($millions) | 5.3941% | 1,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6842% | 6,927 |
| Loan loss allowance to noncurrent loans | 96.3519% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5719% | 5,546 |
| Noncurrent loans to loans | 0.7101% | 5,275 |
| Net loans and leases to total assets | 60.4132% | 3,915 |
| Net loans and leases to deposits | 68.3793% | 4,387 |
| Net loans and leases to core deposits | 70.6167% | 4,705 |
| Total domestic deposits to total assets | 88.3502% | 1,940 |
| Equity capital to assets | 11.3643% | 2,626 |
| Core capital (leverage) ratio | 10.9336% | 2,321 |
| Tier 1 risk-based capital ratio | 22.3658% | 1,187 |
| Total risk-based capital ratio | 23.2167% | 1,212 |
| Memoranda: | ||
| Average total assets | $106,281,000 | 4,722 |
| Average earning assets | $102,987,400 | 4,561 |
| Average equity | $11,979,600 | 4,557 |
| Average total loans | $63,003,400 | 4,751 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 5,994 |
| Cost of funding earning assets | 1.3910% | 1,271 |
| Net interest margin | 2.8938% | 6,758 |
| Noninterest income to average assets | 0.1914% | 6,220 |
| Noninterest expense to average assets | 2.2956% | 6,052 |
| Loan and lease loss provision to assets | 0.2884% | 3,206 |
| Net operating income to assets | 0.2128% | 5,663 |
| Return on assets (ROA) | 0.2128% | 5,800 |
| Pretax return on assets | 0.4105% | 5,435 |
| Return on Equity (ROE) | 1.8920% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.8920% | 5,195 |
| Net charge-offs to loans | 0.3336% | 3,422 |
| Credit loss provision to net charge-offs | 146.7949% | 2,142 |
| Earnings coverage of net charge-offs (x) | 3.5578% | 3,395 |
| Efficiency ratio | 74.0538% | 3,171 |
| Assets per employee ($millions) | 5.4510% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6918% | 6,975 |
| Loan loss allowance to noncurrent loans | 32.8687% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 1.3887% | 4,045 |
| Noncurrent loans to loans | 2.1048% | 3,237 |
| Net loans and leases to total assets | 58.9883% | 4,323 |
| Net loans and leases to deposits | 66.6297% | 4,808 |
| Net loans and leases to core deposits | 69.1844% | 5,044 |
| Total domestic deposits to total assets | 88.5315% | 1,738 |
| Equity capital to assets | 11.1209% | 3,034 |
| Core capital (leverage) ratio | 10.8736% | 2,501 |
| Tier 1 risk-based capital ratio | 20.8509% | 1,488 |
| Total risk-based capital ratio | 21.6782% | 1,555 |
| Memoranda: | ||
| Average total assets | $105,880,750 | 4,766 |
| Average earning assets | $102,562,250 | 4,603 |
| Average equity | $11,909,500 | 4,590 |
| Average total loans | $62,348,250 | 4,819 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 6,102 |
| Cost of funding earning assets | 1.3781% | 1,507 |
| Net interest margin | 2.8942% | 6,801 |
| Noninterest income to average assets | 0.1698% | 6,450 |
| Noninterest expense to average assets | 2.3466% | 6,009 |
| Loan and lease loss provision to assets | 0.0725% | 5,402 |
| Net operating income to assets | 0.3510% | 5,173 |
| Return on assets (ROA) | 0.3510% | 5,305 |
| Pretax return on assets | 0.5513% | 4,903 |
| Return on Equity (ROE) | 3.1086% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.1086% | 4,295 |
| Net charge-offs to loans | 0.0942% | 4,736 |
| Credit loss provision to net charge-offs | 131.0345% | 2,333 |
| Earnings coverage of net charge-offs (x) | 11.2759% | 1,731 |
| Efficiency ratio | 76.6217% | 2,917 |
| Assets per employee ($millions) | 5.4226% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6254% | 7,114 |
| Loan loss allowance to noncurrent loans | 77.4194% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 0.8059% | 5,272 |
| Noncurrent loans to loans | 0.8079% | 5,305 |
| Net loans and leases to total assets | 56.2586% | 4,951 |
| Net loans and leases to deposits | 63.5400% | 5,336 |
| Net loans and leases to core deposits | 65.1139% | 5,599 |
| Total domestic deposits to total assets | 88.5404% | 1,826 |
| Equity capital to assets | 11.1285% | 2,836 |
| Core capital (leverage) ratio | 10.9351% | 2,310 |
| Tier 1 risk-based capital ratio | 22.3746% | 1,201 |
| Total risk-based capital ratio | 23.1437% | 1,248 |
| Memoranda: | ||
| Average total assets | $104,834,330 | 4,837 |
| Average earning assets | $101,442,670 | 4,665 |
| Average equity | $11,838,000 | 4,597 |
| Average total loans | $61,545,330 | 4,886 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 6,046 |
| Cost of funding earning assets | 1.3636% | 1,811 |
| Net interest margin | 2.9238% | 6,716 |
| Noninterest income to average assets | 0.1514% | 6,638 |
| Noninterest expense to average assets | 2.3606% | 6,017 |
| Loan and lease loss provision to assets | 0.0427% | 5,458 |
| Net operating income to assets | 0.3688% | 5,083 |
| Return on assets (ROA) | 0.3688% | 5,167 |
| Pretax return on assets | 0.5785% | 4,770 |
| Return on Equity (ROE) | 3.2416% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.2416% | 4,232 |
| Net charge-offs to loans | 0.0065% | 5,033 |
| Credit loss provision to net charge-offs | 1,100.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 160.0000% | 198 |
| Efficiency ratio | 76.6927% | 3,033 |
| Assets per employee ($millions) | 5.4876% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6312% | 7,169 |
| Loan loss allowance to noncurrent loans | 64.9241% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.0934% | 4,736 |
| Noncurrent loans to loans | 0.9722% | 5,099 |
| Net loans and leases to total assets | 58.1342% | 4,628 |
| Net loans and leases to deposits | 65.7443% | 5,008 |
| Net loans and leases to core deposits | 66.3394% | 5,475 |
| Total domestic deposits to total assets | 88.4246% | 2,128 |
| Equity capital to assets | 11.2570% | 2,451 |
| Core capital (leverage) ratio | 11.0839% | 2,125 |
| Tier 1 risk-based capital ratio | 22.4127% | 1,161 |
| Total risk-based capital ratio | 23.1996% | 1,207 |
| Memoranda: | ||
| Average total assets | $103,026,000 | 4,917 |
| Average earning assets | $99,734,500 | 4,747 |
| Average equity | $11,722,500 | 4,619 |
| Average total loans | $61,619,500 | 4,920 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5120% | 6,368 |
| Cost of funding earning assets | 1.7120% | 1,544 |
| Net interest margin | 2.8001% | 7,028 |
| Noninterest income to average assets | 0.1701% | 6,518 |
| Noninterest expense to average assets | 2.4304% | 6,012 |
| Loan and lease loss provision to assets | 0.0482% | 6,675 |
| Net operating income to assets | 0.2913% | 4,963 |
| Return on assets (ROA) | 0.4002% | 4,678 |
| Pretax return on assets | 0.5673% | 4,427 |
| Return on Equity (ROE) | 3.6517% | 4,674 |
| Retained earnings to average equity (ytd only) | 3.6517% | 3,304 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1353% | 2,275 |
| Assets per employee ($millions) | 5.3573% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6025% | 7,261 |
| Loan loss allowance to noncurrent loans | 32.9525% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 1.1180% | 4,778 |
| Noncurrent loans to loans | 1.8284% | 3,782 |
| Net loans and leases to total assets | 60.7793% | 4,530 |
| Net loans and leases to deposits | 68.9138% | 4,968 |
| Net loans and leases to core deposits | 69.5507% | 5,484 |
| Total domestic deposits to total assets | 88.1961% | 2,124 |
| Equity capital to assets | 11.5023% | 2,257 |
| Core capital (leverage) ratio | 11.2722% | 1,969 |
| Tier 1 risk-based capital ratio | 22.3546% | 1,129 |
| Total risk-based capital ratio | 23.1379% | 1,169 |
| Memoranda: | ||
| Average total assets | $101,711,200 | 4,932 |
| Average earning assets | $98,891,000 | 4,751 |
| Average equity | $11,145,600 | 4,829 |
| Average total loans | $55,957,200 | 5,237 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 6,495 |
| Cost of funding earning assets | 1.7881% | 1,466 |
| Net interest margin | 2.7522% | 7,177 |
| Noninterest income to average assets | 0.1704% | 6,663 |
| Noninterest expense to average assets | 2.2197% | 6,551 |
| Loan and lease loss provision to assets | 0.0406% | 6,679 |
| Net operating income to assets | 0.4248% | 4,642 |
| Return on assets (ROA) | 0.4248% | 4,823 |
| Pretax return on assets | 0.5861% | 4,648 |
| Return on Equity (ROE) | 3.9254% | 4,816 |
| Retained earnings to average equity (ytd only) | 3.9254% | 3,708 |
| Net charge-offs to loans | -0.0049% | 7,208 |
| Credit loss provision to net charge-offs | -1,550.0000% | 7,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9885% | 3,147 |
| Assets per employee ($millions) | 6.0811% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5810% | 7,374 |
| Loan loss allowance to noncurrent loans | 32.9963% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 0.9940% | 5,099 |
| Noncurrent loans to loans | 1.7607% | 4,002 |
| Net loans and leases to total assets | 56.1270% | 5,532 |
| Net loans and leases to deposits | 67.5878% | 5,478 |
| Net loans and leases to core deposits | 68.3998% | 5,901 |
| Total domestic deposits to total assets | 83.0430% | 4,577 |
| Equity capital to assets | 10.8899% | 3,067 |
| Core capital (leverage) ratio | 10.4697% | 2,714 |
| Tier 1 risk-based capital ratio | 21.9277% | 1,217 |
| Total risk-based capital ratio | 22.6935% | 1,271 |
| Memoranda: | ||
| Average total assets | $101,692,000 | 4,997 |
| Average earning assets | $98,875,000 | 4,817 |
| Average equity | $11,005,000 | 4,921 |
| Average total loans | $54,386,250 | 5,372 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 6,525 |
| Cost of funding earning assets | 1.8600% | 1,380 |
| Net interest margin | 2.7173% | 7,240 |
| Noninterest income to average assets | 0.1715% | 6,677 |
| Noninterest expense to average assets | 2.2663% | 6,450 |
| Loan and lease loss provision to assets | 0.0202% | 6,729 |
| Net operating income to assets | 0.3027% | 5,173 |
| Return on assets (ROA) | 0.3027% | 5,331 |
| Pretax return on assets | 0.5267% | 4,825 |
| Return on Equity (ROE) | 2.8037% | 5,324 |
| Retained earnings to average equity (ytd only) | 2.8037% | 4,350 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7618% | 2,769 |
| Assets per employee ($millions) | 6.0154% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6393% | 7,359 |
| Loan loss allowance to noncurrent loans | 186.6667% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 6,948 |
| Noncurrent loans to loans | 0.3425% | 6,548 |
| Net loans and leases to total assets | 51.0654% | 6,296 |
| Net loans and leases to deposits | 63.2150% | 6,116 |
| Net loans and leases to core deposits | 64.0516% | 6,396 |
| Total domestic deposits to total assets | 80.7806% | 5,480 |
| Equity capital to assets | 10.7861% | 3,085 |
| Core capital (leverage) ratio | 10.2497% | 2,892 |
| Tier 1 risk-based capital ratio | 22.7054% | 1,099 |
| Total risk-based capital ratio | 23.4885% | 1,146 |
| Memoranda: | ||
| Average total assets | $99,103,000 | 5,109 |
| Average earning assets | $96,345,330 | 4,919 |
| Average equity | $10,700,000 | 5,003 |
| Average total loans | $51,916,670 | 5,520 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 6,336 |
| Cost of funding earning assets | 1.9969% | 1,095 |
| Net interest margin | 2.6767% | 7,321 |
| Noninterest income to average assets | 0.1559% | 6,855 |
| Noninterest expense to average assets | 2.2805% | 6,442 |
| Loan and lease loss provision to assets | 0.0164% | 6,469 |
| Net operating income to assets | 0.3076% | 5,269 |
| Return on assets (ROA) | 0.3076% | 5,399 |
| Pretax return on assets | 0.4594% | 5,088 |
| Return on Equity (ROE) | 2.8477% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.8477% | 4,421 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7619% | 2,602 |
| Assets per employee ($millions) | 5.4551% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6381% | 7,449 |
| Loan loss allowance to noncurrent loans | 168.3673% | 1,659 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 6,966 |
| Noncurrent loans to loans | 0.3790% | 6,526 |
| Net loans and leases to total assets | 52.3317% | 6,237 |
| Net loans and leases to deposits | 63.3319% | 6,132 |
| Net loans and leases to core deposits | 64.3858% | 6,427 |
| Total domestic deposits to total assets | 82.6308% | 4,785 |
| Equity capital to assets | 10.8829% | 2,862 |
| Core capital (leverage) ratio | 10.5289% | 2,596 |
| Tier 1 risk-based capital ratio | 23.4319% | 1,020 |
| Total risk-based capital ratio | 24.1891% | 1,062 |
| Memoranda: | ||
| Average total assets | $97,524,000 | 5,223 |
| Average earning assets | $94,745,000 | 5,023 |
| Average equity | $10,535,000 | 5,090 |
| Average total loans | $51,597,000 | 5,605 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9457% | 6,597 |
| Cost of funding earning assets | 2.5606% | 874 |
| Net interest margin | 2.3851% | 7,522 |
| Noninterest income to average assets | 0.2174% | 6,555 |
| Noninterest expense to average assets | 2.4261% | 6,387 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0663% | 5,302 |
| Return on assets (ROA) | -0.2859% | 5,952 |
| Pretax return on assets | -0.2424% | 5,755 |
| Return on Equity (ROE) | -2.4956% | 5,921 |
| Retained earnings to average equity (ytd only) | -2.4956% | 5,612 |
| Net charge-offs to loans | 0.0067% | 7,143 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 694 |
| Efficiency ratio | 92.7132% | 1,511 |
| Assets per employee ($millions) | 5.3809% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6333% | 7,508 |
| Loan loss allowance to noncurrent loans | 118.5455% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 6,738 |
| Noncurrent loans to loans | 0.5342% | 6,182 |
| Net loans and leases to total assets | 52.8129% | 6,326 |
| Net loans and leases to deposits | 65.3746% | 6,126 |
| Net loans and leases to core deposits | 79.9490% | 6,106 |
| Total domestic deposits to total assets | 80.7851% | 5,410 |
| Equity capital to assets | 10.7210% | 2,950 |
| Core capital (leverage) ratio | 10.5397% | 2,563 |
| Tier 1 risk-based capital ratio | 22.9134% | 1,050 |
| Total risk-based capital ratio | 23.6474% | 1,086 |
| Memoranda: | ||
| Average total assets | $91,998,200 | 5,333 |
| Average earning assets | $89,431,000 | 5,142 |
| Average equity | $10,538,600 | 5,145 |
| Average total loans | $44,718,000 | 5,891 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 6,616 |
| Cost of funding earning assets | 2.6579% | 890 |
| Net interest margin | 2.3378% | 7,610 |
| Noninterest income to average assets | 0.2276% | 6,599 |
| Noninterest expense to average assets | 2.4115% | 6,386 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0514% | 5,605 |
| Return on assets (ROA) | -0.4244% | 6,348 |
| Pretax return on assets | -0.3862% | 6,182 |
| Return on Equity (ROE) | -3.6429% | 6,307 |
| Retained earnings to average equity (ytd only) | -3.6429% | 6,052 |
| Net charge-offs to loans | 0.0062% | 6,872 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 30.4607% | 927 |
| Efficiency ratio | 93.4234% | 1,438 |
| Assets per employee ($millions) | 4.9511% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6662% | 7,449 |
| Loan loss allowance to noncurrent loans | 138.5593% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2509% | 6,886 |
| Noncurrent loans to loans | 0.4808% | 6,358 |
| Net loans and leases to total assets | 51.8348% | 6,614 |
| Net loans and leases to deposits | 64.9843% | 6,403 |
| Net loans and leases to core deposits | 79.9925% | 6,351 |
| Total domestic deposits to total assets | 79.7651% | 5,537 |
| Equity capital to assets | 11.3501% | 2,713 |
| Core capital (leverage) ratio | 10.8643% | 2,514 |
| Tier 1 risk-based capital ratio | 23.5192% | 1,051 |
| Total risk-based capital ratio | 24.2782% | 1,076 |
| Memoranda: | ||
| Average total assets | $90,783,500 | 5,400 |
| Average earning assets | $88,287,250 | 5,225 |
| Average equity | $10,577,250 | 5,168 |
| Average total loans | $43,027,750 | 6,023 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 6,730 |
| Cost of funding earning assets | 2.7058% | 1,016 |
| Net interest margin | 2.3065% | 7,673 |
| Noninterest income to average assets | 0.2230% | 6,699 |
| Noninterest expense to average assets | 2.4619% | 6,254 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0111% | 5,867 |
| Return on assets (ROA) | -0.7337% | 6,783 |
| Pretax return on assets | -0.7203% | 6,617 |
| Return on Equity (ROE) | -6.2405% | 6,736 |
| Retained earnings to average equity (ytd only) | -6.2405% | 6,482 |
| Net charge-offs to loans | 0.0098% | 6,430 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 5,198 |
| Efficiency ratio | 96.6516% | 1,337 |
| Assets per employee ($millions) | 4.8004% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7415% | 7,325 |
| Loan loss allowance to noncurrent loans | 148.6364% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.2412% | 6,885 |
| Noncurrent loans to loans | 0.4989% | 6,276 |
| Net loans and leases to total assets | 47.9919% | 7,033 |
| Net loans and leases to deposits | 62.0791% | 6,725 |
| Net loans and leases to core deposits | 77.0729% | 6,606 |
| Total domestic deposits to total assets | 77.3077% | 6,253 |
| Equity capital to assets | 11.3654% | 2,621 |
| Core capital (leverage) ratio | 10.9612% | 2,436 |
| Tier 1 risk-based capital ratio | 23.9865% | 1,037 |
| Total risk-based capital ratio | 24.7746% | 1,062 |
| Memoranda: | ||
| Average total assets | $89,688,000 | 5,472 |
| Average earning assets | $87,146,670 | 5,293 |
| Average equity | $10,544,000 | 5,204 |
| Average total loans | $41,007,670 | 6,157 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 6,670 |
| Cost of funding earning assets | 2.7196% | 1,212 |
| Net interest margin | 2.3721% | 7,648 |
| Noninterest income to average assets | 0.2294% | 6,626 |
| Noninterest expense to average assets | 2.3030% | 6,530 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1995% | 5,659 |
| Return on assets (ROA) | -0.7332% | 7,116 |
| Pretax return on assets | -1.2280% | 7,267 |
| Return on Equity (ROE) | -6.1319% | 7,077 |
| Retained earnings to average equity (ytd only) | -6.1319% | 6,704 |
| Net charge-offs to loans | 0.0101% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 51.0000% | 714 |
| Efficiency ratio | 87.7442% | 1,914 |
| Assets per employee ($millions) | 4.7373% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 7,183 |
| Loan loss allowance to noncurrent loans | 137.8151% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2644% | 6,716 |
| Noncurrent loans to loans | 0.5754% | 5,967 |
| Net loans and leases to total assets | 45.5926% | 7,221 |
| Net loans and leases to deposits | 59.3432% | 6,946 |
| Net loans and leases to core deposits | 73.7055% | 6,818 |
| Total domestic deposits to total assets | 76.8287% | 6,323 |
| Equity capital to assets | 11.8323% | 2,362 |
| Core capital (leverage) ratio | 11.4365% | 2,184 |
| Tier 1 risk-based capital ratio | 25.5652% | 923 |
| Total risk-based capital ratio | 26.3854% | 947 |
| Memoranda: | ||
| Average total assets | $88,928,500 | 5,523 |
| Average earning assets | $86,336,500 | 5,342 |
| Average equity | $10,633,000 | 5,206 |
| Average total loans | $39,462,000 | 6,258 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3919% | 7,471 |
| Cost of funding earning assets | 2.7650% | 2,858 |
| Net interest margin | 2.6269% | 7,610 |
| Noninterest income to average assets | 0.2734% | 6,498 |
| Noninterest expense to average assets | 2.7709% | 4,945 |
| Loan and lease loss provision to assets | 0.2747% | 4,198 |
| Net operating income to assets | -0.2391% | 6,667 |
| Return on assets (ROA) | -0.2391% | 6,513 |
| Pretax return on assets | -0.2338% | 6,397 |
| Return on Equity (ROE) | -1.7257% | 6,465 |
| Retained earnings to average equity (ytd only) | -1.7257% | 5,797 |
| Net charge-offs to loans | 0.0403% | 6,220 |
| Credit loss provision to net charge-offs | 1,485.7143% | 303 |
| Earnings coverage of net charge-offs (x) | 2.2143% | 4,969 |
| Efficiency ratio | 89.9014% | 1,522 |
| Assets per employee ($millions) | 4.6236% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 6,788 |
| Loan loss allowance to noncurrent loans | 144.9339% | 2,538 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 6,546 |
| Noncurrent loans to loans | 0.6044% | 5,561 |
| Net loans and leases to total assets | 42.3795% | 7,565 |
| Net loans and leases to deposits | 55.5423% | 7,352 |
| Net loans and leases to core deposits | 69.0890% | 7,243 |
| Total domestic deposits to total assets | 76.3014% | 6,167 |
| Equity capital to assets | 12.0844% | 2,238 |
| Core capital (leverage) ratio | 11.6820% | 2,136 |
| Tier 1 risk-based capital ratio | 26.2525% | 886 |
| Total risk-based capital ratio | 27.0999% | 894 |
| Memoranda: | ||
| Average total assets | $75,716,000 | 5,847 |
| Average earning assets | $73,165,000 | 5,702 |
| Average equity | $10,488,800 | 5,270 |
| Average total loans | $34,747,800 | 6,444 |