Home > First American Bank, N.A. > Performance and Condition Ratios
First American Bank, N.A., Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4995% | 1,913 |
| Cost of funding earning assets | 0.7313% | 2,230 |
| Net interest margin | 3.7683% | 1,925 |
| Noninterest income to average assets | 0.0122% | 4,990 |
| Noninterest expense to average assets | 1.6570% | 4,727 |
| Loan and lease loss provision to assets | 0.2902% | 1,479 |
| Net operating income to assets | 1.0926% | 1,995 |
| Return on assets (ROA) | 1.0950% | 2,107 |
| Pretax return on assets | 1.4600% | 1,560 |
| Return on Equity (ROE) | 7.7996% | 2,829 |
| Retained earnings to average equity (ytd only) | 7.7996% | 1,372 |
| Net charge-offs to loans | -0.0252% | 4,482 |
| Credit loss provision to net charge-offs | -1,583.3333% | 3,846 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0615% | 4,675 |
| Assets per employee ($millions) | 12.2746% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2753% | 4,969 |
| Loan loss allowance to noncurrent loans | 114.2259% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3992% | 2,694 |
| Noncurrent loans to loans | 0.2410% | 3,515 |
| Net loans and leases to total assets | 73.2338% | 1,520 |
| Net loans and leases to deposits | 88.9994% | 1,450 |
| Net loans and leases to core deposits | 104.8234% | 956 |
| Total domestic deposits to total assets | 82.2857% | 3,293 |
| Equity capital to assets | 14.1311% | 826 |
| Core capital (leverage) ratio | 8.4537% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1255% | 2,935 |
| Memoranda: | ||
| Average total assets | $130,962,667 | 3,587 |
| Average earning assets | $117,879,000 | 3,620 |
| Average equity | $18,385,667 | 3,328 |
| Average total loans | $95,132,000 | 3,312 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,882 |
| Cost of funding earning assets | 0.8205% | 2,279 |
| Net interest margin | 3.8185% | 1,905 |
| Noninterest income to average assets | 0.1303% | 4,716 |
| Noninterest expense to average assets | 1.7621% | 4,710 |
| Loan and lease loss provision to assets | 0.3102% | 1,000 |
| Net operating income to assets | 1.1089% | 1,818 |
| Return on assets (ROA) | 1.1138% | 1,894 |
| Pretax return on assets | 1.4860% | 1,342 |
| Return on Equity (ROE) | 7.9608% | 2,534 |
| Retained earnings to average equity (ytd only) | 7.9608% | 1,243 |
| Net charge-offs to loans | -0.0473% | 4,620 |
| Credit loss provision to net charge-offs | -909.0909% | 3,536 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0349% | 4,757 |
| Assets per employee ($millions) | 9.0942% | 521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1994% | 5,033 |
| Loan loss allowance to noncurrent loans | 40.8989% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 1,432 |
| Noncurrent loans to loans | 0.4875% | 2,803 |
| Net loans and leases to total assets | 71.5478% | 1,992 |
| Net loans and leases to deposits | 84.6064% | 2,157 |
| Net loans and leases to core deposits | 105.6934% | 1,077 |
| Total domestic deposits to total assets | 84.5655% | 2,579 |
| Equity capital to assets | 14.2257% | 993 |
| Core capital (leverage) ratio | 8.6797% | 4,680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7856% | 3,355 |
| Memoranda: | ||
| Average total assets | $128,933,500 | 3,595 |
| Average earning assets | $115,541,500 | 3,627 |
| Average equity | $18,038,500 | 3,363 |
| Average total loans | $93,121,000 | 3,340 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2918% | 5,158 |
| Cost of funding earning assets | 0.2525% | 4,844 |
| Net interest margin | 1.0393% | 5,153 |
| Noninterest income to average assets | 0.0736% | 4,988 |
| Noninterest expense to average assets | 0.4969% | 5,157 |
| Loan and lease loss provision to assets | 0.0543% | 2,946 |
| Net operating income to assets | 0.3842% | 4,624 |
| Return on assets (ROA) | 0.3744% | 4,672 |
| Pretax return on assets | 0.4992% | 4,583 |
| Return on Equity (ROE) | 2.7190% | 4,704 |
| Retained earnings to average equity (ytd only) | 2.7190% | 3,677 |
| Net charge-offs to loans | -0.0009% | 4,171 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8789% | 4,915 |
| Assets per employee ($millions) | 8.7032% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0737% | 5,113 |
| Loan loss allowance to noncurrent loans | 26.0223% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 1,662 |
| Noncurrent loans to loans | 0.2833% | 3,427 |
| Net loans and leases to total assets | 72.6905% | 1,973 |
| Net loans and leases to deposits | 85.7724% | 2,123 |
| Net loans and leases to core deposits | 105.8280% | 1,115 |
| Total domestic deposits to total assets | 84.7481% | 2,594 |
| Equity capital to assets | 13.7612% | 1,186 |
| Core capital (leverage) ratio | 8.2828% | 4,951 |
| Tier 1 risk-based capital ratio | 10.0553% | 5,116 |
| Total risk-based capital ratio | 10.1275% | 5,164 |
| Memoranda: | ||
| Average total assets | $129,004,800 | 3,577 |
| Average earning assets | $122,775,400 | 3,524 |
| Average equity | $17,763,600 | 3,359 |
| Average total loans | $107,779,600 | 3,121 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8334% | 2,019 |
| Cost of funding earning assets | 1.3965% | 585 |
| Net interest margin | 3.4369% | 3,770 |
| Noninterest income to average assets | 0.1628% | 4,733 |
| Noninterest expense to average assets | 2.8155% | 2,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6614% | 4,130 |
| Return on assets (ROA) | 0.6614% | 4,186 |
| Pretax return on assets | 0.6614% | 4,426 |
| Return on Equity (ROE) | 4.8023% | 4,381 |
| Retained earnings to average equity (ytd only) | 3.2969% | 3,763 |
| Net charge-offs to loans | 0.0084% | 3,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 91.1736% | 796 |
| Efficiency ratio | 80.9779% | 834 |
| Assets per employee ($millions) | 7.1763% | 961 |
| Cash dividends to net income (ytd only)* | 31.3478% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1970% | 2,526 |
| Loan loss allowance to noncurrent loans | 428.2468% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.8160% | 1,697 |
| Noncurrent loans to loans | 0.2795% | 3,536 |
| Net loans and leases to total assets | 84.2870% | 318 |
| Net loans and leases to deposits | 99.7581% | 657 |
| Net loans and leases to core deposits | 132.4123% | 265 |
| Total domestic deposits to total assets | 84.4913% | 2,634 |
| Equity capital to assets | 13.9936% | 1,158 |
| Core capital (leverage) ratio | 14.1731% | 940 |
| Tier 1 risk-based capital ratio | 16.1130% | 2,384 |
| Total risk-based capital ratio | 17.2896% | 2,353 |
| Memoranda: | ||
| Average total assets | $128,619,000 | 3,624 |
| Average earning assets | $124,023,250 | 3,546 |
| Average equity | $17,713,250 | 3,387 |
| Average total loans | $110,983,000 | 3,104 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8797% | 1,816 |
| Cost of funding earning assets | 1.4092% | 522 |
| Net interest margin | 3.4705% | 3,687 |
| Noninterest income to average assets | 0.1993% | 4,561 |
| Noninterest expense to average assets | 2.7672% | 2,698 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7802% | 3,720 |
| Return on assets (ROA) | 0.7802% | 3,786 |
| Pretax return on assets | 0.7802% | 4,138 |
| Return on Equity (ROE) | 5.6957% | 4,148 |
| Retained earnings to average equity (ytd only) | 3.4219% | 3,530 |
| Net charge-offs to loans | -0.0018% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0070% | 1,152 |
| Assets per employee ($millions) | 6.4630% | 1,257 |
| Cash dividends to net income (ytd only)* | 39.9202% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1738% | 2,654 |
| Loan loss allowance to noncurrent loans | 185.7143% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.8634% | 1,625 |
| Noncurrent loans to loans | 0.6320% | 2,360 |
| Net loans and leases to total assets | 86.3686% | 189 |
| Net loans and leases to deposits | 101.4024% | 581 |
| Net loans and leases to core deposits | 140.9098% | 189 |
| Total domestic deposits to total assets | 85.1741% | 2,405 |
| Equity capital to assets | 13.8597% | 1,178 |
| Core capital (leverage) ratio | 13.9341% | 989 |
| Tier 1 risk-based capital ratio | 15.4306% | 2,650 |
| Total risk-based capital ratio | 16.5721% | 2,628 |
| Memoranda: | ||
| Average total assets | $128,434,330 | 3,640 |
| Average earning assets | $123,900,670 | 3,563 |
| Average equity | $17,592,330 | 3,406 |
| Average total loans | $111,245,670 | 3,112 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8988% | 1,593 |
| Cost of funding earning assets | 1.3932% | 474 |
| Net interest margin | 3.5056% | 3,578 |
| Noninterest income to average assets | 0.1656% | 4,746 |
| Noninterest expense to average assets | 2.8152% | 2,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7311% | 3,841 |
| Return on assets (ROA) | 0.7311% | 3,887 |
| Pretax return on assets | 0.7311% | 4,223 |
| Return on Equity (ROE) | 5.3697% | 4,230 |
| Retained earnings to average equity (ytd only) | 0.7802% | 4,366 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3833% | 1,117 |
| Assets per employee ($millions) | 6.5607% | 1,210 |
| Cash dividends to net income (ytd only)* | 85.4701% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,737 |
| Loan loss allowance to noncurrent loans | 400.6042% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5586% | 2,411 |
| Noncurrent loans to loans | 0.2922% | 3,519 |
| Net loans and leases to total assets | 85.3170% | 251 |
| Net loans and leases to deposits | 106.6944% | 301 |
| Net loans and leases to core deposits | 144.9997% | 148 |
| Total domestic deposits to total assets | 79.9639% | 4,183 |
| Equity capital to assets | 13.3760% | 1,256 |
| Core capital (leverage) ratio | 13.6959% | 1,026 |
| Tier 1 risk-based capital ratio | 15.1903% | 2,798 |
| Total risk-based capital ratio | 16.3310% | 2,766 |
| Memoranda: | ||
| Average total assets | $128,021,500 | 3,681 |
| Average earning assets | $123,458,000 | 3,608 |
| Average equity | $17,431,000 | 3,431 |
| Average total loans | $110,385,500 | 3,160 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5947% | 2,145 |
| Cost of funding earning assets | 1.0856% | 524 |
| Net interest margin | 3.5091% | 3,675 |
| Noninterest income to average assets | 0.3544% | 3,731 |
| Noninterest expense to average assets | 2.9278% | 2,251 |
| Loan and lease loss provision to assets | 0.0463% | 3,258 |
| Net operating income to assets | 0.7535% | 3,956 |
| Return on assets (ROA) | 0.7535% | 3,960 |
| Pretax return on assets | 0.7616% | 4,267 |
| Return on Equity (ROE) | 5.3326% | 4,376 |
| Retained earnings to average equity (ytd only) | -2.4333% | 5,149 |
| Net charge-offs to loans | -0.0704% | 5,068 |
| Credit loss provision to net charge-offs | -77.0270% | 4,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3725% | 1,098 |
| Assets per employee ($millions) | 5.9443% | 1,563 |
| Cash dividends to net income (ytd only)* | 145.6311% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2335% | 2,390 |
| Loan loss allowance to noncurrent loans | 386.5889% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 2,240 |
| Noncurrent loans to loans | 0.3191% | 3,406 |
| Net loans and leases to total assets | 85.0533% | 309 |
| Net loans and leases to deposits | 103.4623% | 512 |
| Net loans and leases to core deposits | 138.8450% | 209 |
| Total domestic deposits to total assets | 82.2070% | 3,590 |
| Equity capital to assets | 13.8677% | 1,014 |
| Core capital (leverage) ratio | 14.1686% | 878 |
| Tier 1 risk-based capital ratio | 15.8093% | 2,493 |
| Total risk-based capital ratio | 16.9987% | 2,437 |
| Memoranda: | ||
| Average total assets | $123,026,000 | 3,743 |
| Average earning assets | $118,550,000 | 3,670 |
| Average equity | $17,383,600 | 3,355 |
| Average total loans | $105,072,600 | 3,214 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 2,158 |
| Cost of funding earning assets | 1.0328% | 514 |
| Net interest margin | 3.5069% | 3,676 |
| Noninterest income to average assets | 0.2513% | 4,471 |
| Noninterest expense to average assets | 2.9956% | 2,030 |
| Loan and lease loss provision to assets | 0.0620% | 2,737 |
| Net operating income to assets | 0.5624% | 4,610 |
| Return on assets (ROA) | 0.5624% | 4,617 |
| Pretax return on assets | 0.5732% | 4,778 |
| Return on Equity (ROE) | 3.9612% | 4,825 |
| Retained earnings to average equity (ytd only) | -6.3823% | 5,337 |
| Net charge-offs to loans | -0.0625% | 5,014 |
| Credit loss provision to net charge-offs | -116.3265% | 4,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5045% | 742 |
| Assets per employee ($millions) | 5.9565% | 1,521 |
| Cash dividends to net income (ytd only)* | 261.1211% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 2,637 |
| Loan loss allowance to noncurrent loans | 195.0525% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5332% | 2,608 |
| Noncurrent loans to loans | 0.6142% | 2,548 |
| Net loans and leases to total assets | 85.7834% | 284 |
| Net loans and leases to deposits | 109.5890% | 301 |
| Net loans and leases to core deposits | 143.9246% | 183 |
| Total domestic deposits to total assets | 78.2773% | 4,444 |
| Equity capital to assets | 13.4276% | 1,162 |
| Core capital (leverage) ratio | 13.9097% | 965 |
| Tier 1 risk-based capital ratio | 15.5449% | 2,632 |
| Total risk-based capital ratio | 16.7198% | 2,595 |
| Memoranda: | ||
| Average total assets | $122,575,000 | 3,790 |
| Average earning assets | $118,125,500 | 3,715 |
| Average equity | $17,401,750 | 3,380 |
| Average total loans | $104,466,250 | 3,249 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 2,169 |
| Cost of funding earning assets | 0.9780% | 520 |
| Net interest margin | 3.4955% | 3,644 |
| Noninterest income to average assets | 0.2711% | 4,377 |
| Noninterest expense to average assets | 3.0886% | 1,817 |
| Loan and lease loss provision to assets | 0.0936% | 2,049 |
| Net operating income to assets | 0.4370% | 4,881 |
| Return on assets (ROA) | 0.4370% | 4,888 |
| Pretax return on assets | 0.4534% | 4,984 |
| Return on Equity (ROE) | 3.0221% | 5,022 |
| Retained earnings to average equity (ytd only) | -6.6350% | 5,349 |
| Net charge-offs to loans | -0.0058% | 4,146 |
| Credit loss provision to net charge-offs | -1,900.0000% | 4,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9526% | 628 |
| Assets per employee ($millions) | 5.9442% | 1,504 |
| Cash dividends to net income (ytd only)* | 319.5489% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 2,924 |
| Loan loss allowance to noncurrent loans | 160.6914% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.8259% | 1,811 |
| Noncurrent loans to loans | 0.7227% | 2,305 |
| Net loans and leases to total assets | 85.5715% | 301 |
| Net loans and leases to deposits | 108.3050% | 342 |
| Net loans and leases to core deposits | 145.3346% | 152 |
| Total domestic deposits to total assets | 79.0097% | 4,427 |
| Equity capital to assets | 13.7043% | 1,026 |
| Core capital (leverage) ratio | 14.1783% | 863 |
| Tier 1 risk-based capital ratio | 15.3724% | 2,698 |
| Total risk-based capital ratio | 16.4772% | 2,694 |
| Memoranda: | ||
| Average total assets | $121,738,000 | 3,830 |
| Average earning assets | $117,179,000 | 3,758 |
| Average equity | $17,603,670 | 3,383 |
| Average total loans | $103,087,000 | 3,282 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2833% | 2,589 |
| Cost of funding earning assets | 0.9072% | 574 |
| Net interest margin | 3.3761% | 3,963 |
| Noninterest income to average assets | 0.2829% | 4,282 |
| Noninterest expense to average assets | 3.1583% | 1,672 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3361% | 5,041 |
| Return on assets (ROA) | 0.3361% | 5,045 |
| Pretax return on assets | 0.3694% | 5,076 |
| Return on Equity (ROE) | 2.2631% | 5,142 |
| Retained earnings to average equity (ytd only) | 2.2631% | 4,261 |
| Net charge-offs to loans | -0.0040% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5283% | 465 |
| Assets per employee ($millions) | 5.4668% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,905 |
| Loan loss allowance to noncurrent loans | 130.4253% | 2,983 |
| Noncurrent assets plus other real estate owned to assets | 0.9703% | 1,627 |
| Noncurrent loans to loans | 0.9079% | 2,002 |
| Net loans and leases to total assets | 82.9833% | 538 |
| Net loans and leases to deposits | 102.1452% | 569 |
| Net loans and leases to core deposits | 136.5588% | 249 |
| Total domestic deposits to total assets | 81.2405% | 4,146 |
| Equity capital to assets | 14.8133% | 715 |
| Core capital (leverage) ratio | 15.2559% | 602 |
| Tier 1 risk-based capital ratio | 17.1886% | 2,063 |
| Total risk-based capital ratio | 18.3214% | 2,048 |
| Memoranda: | ||
| Average total assets | $120,192,500 | 3,895 |
| Average earning assets | $115,519,000 | 3,820 |
| Average equity | $17,852,000 | 3,376 |
| Average total loans | $100,594,000 | 3,347 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 2,692 |
| Cost of funding earning assets | 0.4966% | 2,365 |
| Net interest margin | 3.7010% | 2,795 |
| Noninterest income to average assets | 3.1553% | 168 |
| Noninterest expense to average assets | 3.4315% | 1,152 |
| Loan and lease loss provision to assets | -0.2080% | 5,578 |
| Net operating income to assets | 3.4474% | 57 |
| Return on assets (ROA) | 3.3903% | 56 |
| Pretax return on assets | 3.3915% | 79 |
| Return on Equity (ROE) | 33.0804% | 27 |
| Retained earnings to average equity (ytd only) | 6.0643% | 1,508 |
| Net charge-offs to loans | 0.0180% | 3,501 |
| Credit loss provision to net charge-offs | -1,470.8333% | 5,121 |
| Earnings coverage of net charge-offs (x) | 229.2083% | 358 |
| Efficiency ratio | 48.5432% | 5,284 |
| Assets per employee ($millions) | 5.4598% | 1,980 |
| Cash dividends to net income (ytd only)* | 81.6681% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 2,825 |
| Loan loss allowance to noncurrent loans | 132.6304% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.0115% | 1,520 |
| Noncurrent loans to loans | 0.8993% | 1,979 |
| Net loans and leases to total assets | 82.4152% | 624 |
| Net loans and leases to deposits | 100.4485% | 697 |
| Net loans and leases to core deposits | 144.7160% | 165 |
| Total domestic deposits to total assets | 82.0472% | 3,860 |
| Equity capital to assets | 14.8924% | 701 |
| Core capital (leverage) ratio | 12.8836% | 1,184 |
| Tier 1 risk-based capital ratio | 17.5829% | 1,926 |
| Total risk-based capital ratio | 18.7472% | 1,894 |
| Memoranda: | ||
| Average total assets | $169,748,800 | 3,247 |
| Average earning assets | $161,309,600 | 3,184 |
| Average equity | $17,397,000 | 3,449 |
| Average total loans | $133,221,400 | 2,870 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1187% | 2,921 |
| Cost of funding earning assets | 0.4344% | 2,858 |
| Net interest margin | 3.6843% | 2,810 |
| Noninterest income to average assets | 0.4319% | 3,460 |
| Noninterest expense to average assets | 3.2052% | 1,545 |
| Loan and lease loss provision to assets | 0.0344% | 3,432 |
| Net operating income to assets | 0.6858% | 4,045 |
| Return on assets (ROA) | 0.6858% | 4,113 |
| Pretax return on assets | 0.6873% | 4,639 |
| Return on Equity (ROE) | 7.2322% | 3,530 |
| Retained earnings to average equity (ytd only) | 7.2322% | 1,578 |
| Net charge-offs to loans | 0.0245% | 2,958 |
| Credit loss provision to net charge-offs | 180.7692% | 1,466 |
| Earnings coverage of net charge-offs (x) | 37.9184% | 1,353 |
| Efficiency ratio | 80.5219% | 1,046 |
| Assets per employee ($millions) | 4.8509% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 3,472 |
| Loan loss allowance to noncurrent loans | 293.3702% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 3,002 |
| Noncurrent loans to loans | 0.3756% | 3,608 |
| Net loans and leases to total assets | 75.5694% | 1,671 |
| Net loans and leases to deposits | 84.3821% | 2,513 |
| Net loans and leases to core deposits | 91.6766% | 2,474 |
| Total domestic deposits to total assets | 89.5563% | 640 |
| Equity capital to assets | 9.4579% | 4,483 |
| Core capital (leverage) ratio | 9.5526% | 4,088 |
| Tier 1 risk-based capital ratio | 11.9539% | 4,663 |
| Total risk-based capital ratio | 13.0290% | 4,649 |
| Memoranda: | ||
| Average total assets | $182,157,250 | 3,117 |
| Average earning assets | $172,801,750 | 3,065 |
| Average equity | $17,274,250 | 3,495 |
| Average total loans | $141,479,750 | 2,783 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1223% | 2,758 |
| Cost of funding earning assets | 0.4131% | 2,951 |
| Net interest margin | 3.7093% | 2,623 |
| Noninterest income to average assets | 0.4227% | 3,544 |
| Noninterest expense to average assets | 3.2622% | 1,441 |
| Loan and lease loss provision to assets | 0.0356% | 3,291 |
| Net operating income to assets | 0.6384% | 4,133 |
| Return on assets (ROA) | 0.6384% | 4,181 |
| Pretax return on assets | 0.6407% | 4,716 |
| Return on Equity (ROE) | 6.7260% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.7260% | 1,725 |
| Net charge-offs to loans | 0.0413% | 2,369 |
| Credit loss provision to net charge-offs | 110.3448% | 1,888 |
| Earnings coverage of net charge-offs (x) | 20.9655% | 1,769 |
| Efficiency ratio | 81.7283% | 1,031 |
| Assets per employee ($millions) | 4.6248% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 3,476 |
| Loan loss allowance to noncurrent loans | 318.8259% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 2,888 |
| Noncurrent loans to loans | 0.3507% | 3,776 |
| Net loans and leases to total assets | 75.2918% | 1,648 |
| Net loans and leases to deposits | 83.9955% | 2,476 |
| Net loans and leases to core deposits | 91.3247% | 2,391 |
| Total domestic deposits to total assets | 89.6379% | 669 |
| Equity capital to assets | 9.4751% | 4,425 |
| Core capital (leverage) ratio | 9.7373% | 3,852 |
| Tier 1 risk-based capital ratio | 11.9555% | 4,661 |
| Total risk-based capital ratio | 13.0417% | 4,655 |
| Memoranda: | ||
| Average total assets | $179,814,670 | 3,155 |
| Average earning assets | $170,438,000 | 3,101 |
| Average equity | $17,068,000 | 3,527 |
| Average total loans | $140,453,330 | 2,795 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0875% | 2,697 |
| Cost of funding earning assets | 0.3933% | 3,067 |
| Net interest margin | 3.6942% | 2,498 |
| Noninterest income to average assets | 0.4514% | 3,304 |
| Noninterest expense to average assets | 3.3878% | 1,225 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5575% | 4,343 |
| Return on assets (ROA) | 0.5575% | 4,388 |
| Pretax return on assets | 0.5620% | 4,812 |
| Return on Equity (ROE) | 5.8677% | 3,974 |
| Retained earnings to average equity (ytd only) | 5.8677% | 2,401 |
| Net charge-offs to loans | 0.0827% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 8.5862% | 2,051 |
| Efficiency ratio | 84.6286% | 915 |
| Assets per employee ($millions) | 4.3475% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1197% | 3,591 |
| Loan loss allowance to noncurrent loans | 299.6117% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6238% | 2,760 |
| Noncurrent loans to loans | 0.3737% | 3,753 |
| Net loans and leases to total assets | 76.4435% | 1,336 |
| Net loans and leases to deposits | 87.0120% | 1,909 |
| Net loans and leases to core deposits | 90.6882% | 2,294 |
| Total domestic deposits to total assets | 87.8540% | 1,798 |
| Equity capital to assets | 9.5625% | 4,218 |
| Core capital (leverage) ratio | 9.6291% | 3,957 |
| Tier 1 risk-based capital ratio | 12.0678% | 4,668 |
| Total risk-based capital ratio | 13.1636% | 4,673 |
| Memoranda: | ||
| Average total assets | $177,226,500 | 3,217 |
| Average earning assets | $167,830,000 | 3,162 |
| Average equity | $16,838,000 | 3,569 |
| Average total loans | $140,251,000 | 2,819 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2025% | 2,479 |
| Cost of funding earning assets | 0.4086% | 2,919 |
| Net interest margin | 3.7939% | 2,338 |
| Noninterest income to average assets | 0.5227% | 3,082 |
| Noninterest expense to average assets | 3.3358% | 1,497 |
| Loan and lease loss provision to assets | 0.0996% | 2,392 |
| Net operating income to assets | 0.6534% | 3,984 |
| Return on assets (ROA) | 0.7348% | 3,729 |
| Pretax return on assets | 0.7354% | 4,380 |
| Return on Equity (ROE) | 7.8097% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.8097% | 920 |
| Net charge-offs to loans | 0.0460% | 3,117 |
| Credit loss provision to net charge-offs | 283.8710% | 1,031 |
| Earnings coverage of net charge-offs (x) | 21.4839% | 1,780 |
| Efficiency ratio | 80.4814% | 1,362 |
| Assets per employee ($millions) | 4.0978% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 3,704 |
| Loan loss allowance to noncurrent loans | 274.8252% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 2,588 |
| Noncurrent loans to loans | 0.4008% | 3,711 |
| Net loans and leases to total assets | 80.0931% | 887 |
| Net loans and leases to deposits | 88.8145% | 1,828 |
| Net loans and leases to core deposits | 92.1749% | 2,284 |
| Total domestic deposits to total assets | 90.1802% | 569 |
| Equity capital to assets | 9.4384% | 4,340 |
| Core capital (leverage) ratio | 9.3963% | 4,226 |
| Tier 1 risk-based capital ratio | 11.7704% | 4,880 |
| Total risk-based capital ratio | 12.8721% | 4,881 |
| Memoranda: | ||
| Average total assets | $176,779,800 | 3,199 |
| Average earning assets | $166,187,000 | 3,160 |
| Average equity | $16,633,200 | 3,603 |
| Average total loans | $134,772,800 | 2,852 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 2,519 |
| Cost of funding earning assets | 0.4078% | 2,944 |
| Net interest margin | 3.7910% | 2,363 |
| Noninterest income to average assets | 0.4959% | 3,280 |
| Noninterest expense to average assets | 3.3490% | 1,458 |
| Loan and lease loss provision to assets | 0.0950% | 2,326 |
| Net operating income to assets | 0.6097% | 4,252 |
| Return on assets (ROA) | 0.7061% | 3,945 |
| Pretax return on assets | 0.7069% | 4,593 |
| Return on Equity (ROE) | 7.5106% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.5106% | 1,395 |
| Net charge-offs to loans | 0.0622% | 2,464 |
| Credit loss provision to net charge-offs | 203.2258% | 1,427 |
| Earnings coverage of net charge-offs (x) | 15.0976% | 2,202 |
| Efficiency ratio | 81.5056% | 1,247 |
| Assets per employee ($millions) | 4.4026% | 3,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 3,738 |
| Loan loss allowance to noncurrent loans | 323.1423% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 1.0962% | 1,859 |
| Noncurrent loans to loans | 0.3464% | 4,013 |
| Net loans and leases to total assets | 72.7150% | 2,059 |
| Net loans and leases to deposits | 80.9964% | 2,853 |
| Net loans and leases to core deposits | 83.9287% | 3,128 |
| Total domestic deposits to total assets | 89.7756% | 568 |
| Equity capital to assets | 9.2839% | 4,880 |
| Core capital (leverage) ratio | 9.5585% | 4,104 |
| Tier 1 risk-based capital ratio | 11.7744% | 4,933 |
| Total risk-based capital ratio | 12.8429% | 4,942 |
| Memoranda: | ||
| Average total assets | $176,923,500 | 3,213 |
| Average earning assets | $166,072,750 | 3,178 |
| Average equity | $16,633,750 | 3,633 |
| Average total loans | $132,791,000 | 2,890 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 2,536 |
| Cost of funding earning assets | 0.4136% | 2,902 |
| Net interest margin | 3.7778% | 2,413 |
| Noninterest income to average assets | 0.3787% | 4,035 |
| Noninterest expense to average assets | 3.3547% | 1,472 |
| Loan and lease loss provision to assets | 0.0792% | 2,557 |
| Net operating income to assets | 0.4866% | 4,732 |
| Return on assets (ROA) | 0.5394% | 4,633 |
| Pretax return on assets | 0.5406% | 5,048 |
| Return on Equity (ROE) | 5.7122% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.7122% | 2,289 |
| Net charge-offs to loans | -0.0030% | 4,431 |
| Credit loss provision to net charge-offs | -3,450.0000% | 5,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4015% | 1,011 |
| Assets per employee ($millions) | 4.1880% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 3,835 |
| Loan loss allowance to noncurrent loans | 198.3139% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 1.3977% | 1,414 |
| Noncurrent loans to loans | 0.5652% | 3,369 |
| Net loans and leases to total assets | 78.5498% | 1,129 |
| Net loans and leases to deposits | 88.0542% | 1,990 |
| Net loans and leases to core deposits | 91.5289% | 2,384 |
| Total domestic deposits to total assets | 89.2062% | 809 |
| Equity capital to assets | 9.7788% | 4,475 |
| Core capital (leverage) ratio | 9.6053% | 4,060 |
| Tier 1 risk-based capital ratio | 11.5365% | 5,128 |
| Total risk-based capital ratio | 12.6192% | 5,130 |
| Memoranda: | ||
| Average total assets | $174,261,000 | 3,264 |
| Average earning assets | $163,427,670 | 3,228 |
| Average equity | $16,456,000 | 3,669 |
| Average total loans | $131,728,000 | 2,908 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0846% | 2,906 |
| Cost of funding earning assets | 0.4153% | 2,901 |
| Net interest margin | 3.6694% | 2,806 |
| Noninterest income to average assets | 0.4170% | 3,705 |
| Noninterest expense to average assets | 3.3862% | 1,410 |
| Loan and lease loss provision to assets | 0.0273% | 3,305 |
| Net operating income to assets | 0.4444% | 4,849 |
| Return on assets (ROA) | 0.4444% | 4,931 |
| Pretax return on assets | 0.4466% | 5,215 |
| Return on Equity (ROE) | 4.7887% | 4,583 |
| Retained earnings to average equity (ytd only) | 4.7887% | 3,072 |
| Net charge-offs to loans | -0.0062% | 4,358 |
| Credit loss provision to net charge-offs | -600.0000% | 4,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5407% | 926 |
| Assets per employee ($millions) | 4.3519% | 3,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1451% | 3,800 |
| Loan loss allowance to noncurrent loans | 179.9511% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 1.6103% | 1,231 |
| Noncurrent loans to loans | 0.6363% | 3,262 |
| Net loans and leases to total assets | 74.8726% | 1,578 |
| Net loans and leases to deposits | 83.7635% | 2,334 |
| Net loans and leases to core deposits | 87.0068% | 2,658 |
| Total domestic deposits to total assets | 89.3856% | 898 |
| Equity capital to assets | 9.6775% | 4,471 |
| Core capital (leverage) ratio | 9.2500% | 4,551 |
| Tier 1 risk-based capital ratio | 11.8598% | 5,002 |
| Total risk-based capital ratio | 12.9505% | 5,017 |
| Memoranda: | ||
| Average total assets | $175,537,000 | 3,254 |
| Average earning assets | $164,714,500 | 3,221 |
| Average equity | $16,288,500 | 3,697 |
| Average total loans | $129,389,000 | 2,943 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 2,204 |
| Cost of funding earning assets | 0.4478% | 2,644 |
| Net interest margin | 3.8610% | 2,161 |
| Noninterest income to average assets | 0.5025% | 3,308 |
| Noninterest expense to average assets | 3.3695% | 1,549 |
| Loan and lease loss provision to assets | 0.1167% | 2,045 |
| Net operating income to assets | 0.6186% | 4,187 |
| Return on assets (ROA) | 0.6186% | 4,283 |
| Pretax return on assets | 0.6186% | 4,782 |
| Return on Equity (ROE) | 6.6402% | 3,712 |
| Retained earnings to average equity (ytd only) | 6.6402% | 1,472 |
| Net charge-offs to loans | 0.0096% | 4,126 |
| Credit loss provision to net charge-offs | 1,666.6667% | 211 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 552 |
| Efficiency ratio | 80.9639% | 1,542 |
| Assets per employee ($millions) | 4.3179% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1196% | 3,928 |
| Loan loss allowance to noncurrent loans | 144.4995% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.4171% | 1,475 |
| Noncurrent loans to loans | 0.7748% | 2,849 |
| Net loans and leases to total assets | 71.0071% | 2,199 |
| Net loans and leases to deposits | 79.7414% | 2,850 |
| Net loans and leases to core deposits | 82.7307% | 3,074 |
| Total domestic deposits to total assets | 89.0467% | 1,098 |
| Equity capital to assets | 8.9065% | 5,212 |
| Core capital (leverage) ratio | 8.9431% | 4,953 |
| Tier 1 risk-based capital ratio | 11.8674% | 5,031 |
| Total risk-based capital ratio | 12.9570% | 5,049 |
| Memoranda: | ||
| Average total assets | $171,359,200 | 3,284 |
| Average earning assets | $159,880,600 | 3,256 |
| Average equity | $15,963,400 | 3,681 |
| Average total loans | $124,668,800 | 2,979 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 1,958 |
| Cost of funding earning assets | 0.4581% | 2,607 |
| Net interest margin | 3.9309% | 1,927 |
| Noninterest income to average assets | 0.4816% | 3,493 |
| Noninterest expense to average assets | 3.4986% | 1,289 |
| Loan and lease loss provision to assets | 0.1026% | 2,141 |
| Net operating income to assets | 0.5393% | 4,633 |
| Return on assets (ROA) | 0.5393% | 4,731 |
| Pretax return on assets | 0.5393% | 5,129 |
| Return on Equity (ROE) | 5.7214% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.7214% | 2,424 |
| Net charge-offs to loans | -0.0043% | 4,811 |
| Credit loss provision to net charge-offs | -3,250.0000% | 5,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3715% | 1,231 |
| Assets per employee ($millions) | 4.1610% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 4,149 |
| Loan loss allowance to noncurrent loans | 179.3103% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 1.8471% | 1,141 |
| Noncurrent loans to loans | 0.6208% | 3,458 |
| Net loans and leases to total assets | 71.3678% | 2,158 |
| Net loans and leases to deposits | 80.5200% | 2,816 |
| Net loans and leases to core deposits | 83.5839% | 3,086 |
| Total domestic deposits to total assets | 88.6336% | 1,217 |
| Equity capital to assets | 9.2515% | 5,054 |
| Core capital (leverage) ratio | 9.3190% | 4,560 |
| Tier 1 risk-based capital ratio | 12.0480% | 5,052 |
| Total risk-based capital ratio | 13.1189% | 5,079 |
| Memoranda: | ||
| Average total assets | $168,861,250 | 3,350 |
| Average earning assets | $157,178,750 | 3,327 |
| Average equity | $15,916,250 | 3,723 |
| Average total loans | $123,278,500 | 3,025 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 1,857 |
| Cost of funding earning assets | 0.4625% | 2,582 |
| Net interest margin | 3.9360% | 1,868 |
| Noninterest income to average assets | 0.4662% | 3,589 |
| Noninterest expense to average assets | 3.5543% | 1,207 |
| Loan and lease loss provision to assets | 0.0779% | 2,565 |
| Net operating income to assets | 0.4949% | 4,791 |
| Return on assets (ROA) | 0.4949% | 4,895 |
| Pretax return on assets | 0.4949% | 5,240 |
| Return on Equity (ROE) | 5.2172% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.2172% | 2,723 |
| Net charge-offs to loans | 0.0294% | 3,080 |
| Credit loss provision to net charge-offs | 361.1111% | 810 |
| Earnings coverage of net charge-offs (x) | 26.5556% | 1,478 |
| Efficiency ratio | 84.9884% | 1,155 |
| Assets per employee ($millions) | 3.8835% | 4,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 4,575 |
| Loan loss allowance to noncurrent loans | 165.8690% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.9858% | 1,115 |
| Noncurrent loans to loans | 0.6359% | 3,567 |
| Net loans and leases to total assets | 75.7401% | 1,402 |
| Net loans and leases to deposits | 86.0258% | 2,049 |
| Net loans and leases to core deposits | 90.1935% | 2,329 |
| Total domestic deposits to total assets | 88.0436% | 1,632 |
| Equity capital to assets | 9.6917% | 4,411 |
| Core capital (leverage) ratio | 9.6667% | 4,044 |
| Tier 1 risk-based capital ratio | 11.9966% | 5,155 |
| Total risk-based capital ratio | 13.0152% | 5,209 |
| Memoranda: | ||
| Average total assets | $166,894,670 | 3,405 |
| Average earning assets | $155,234,670 | 3,374 |
| Average equity | $15,832,330 | 3,749 |
| Average total loans | $122,329,000 | 3,046 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 2,116 |
| Cost of funding earning assets | 0.4658% | 2,603 |
| Net interest margin | 3.8286% | 2,136 |
| Noninterest income to average assets | 0.3697% | 4,250 |
| Noninterest expense to average assets | 3.5832% | 1,158 |
| Loan and lease loss provision to assets | 0.0355% | 3,189 |
| Net operating income to assets | 0.3152% | 5,360 |
| Return on assets (ROA) | 0.3152% | 5,465 |
| Pretax return on assets | 0.3152% | 5,616 |
| Return on Equity (ROE) | 3.3576% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.3576% | 3,970 |
| Net charge-offs to loans | -0.0066% | 4,576 |
| Credit loss provision to net charge-offs | -750.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8795% | 856 |
| Assets per employee ($millions) | 3.7059% | 4,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 4,635 |
| Loan loss allowance to noncurrent loans | 289.8649% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 1.7350% | 1,433 |
| Noncurrent loans to loans | 0.3711% | 4,477 |
| Net loans and leases to total assets | 72.5938% | 1,715 |
| Net loans and leases to deposits | 82.5862% | 2,266 |
| Net loans and leases to core deposits | 86.5170% | 2,495 |
| Total domestic deposits to total assets | 87.9006% | 1,882 |
| Equity capital to assets | 9.7824% | 4,407 |
| Core capital (leverage) ratio | 9.2897% | 4,593 |
| Tier 1 risk-based capital ratio | 12.6711% | 4,800 |
| Total risk-based capital ratio | 13.7404% | 4,826 |
| Memoranda: | ||
| Average total assets | $168,787,500 | 3,387 |
| Average earning assets | $157,134,500 | 3,364 |
| Average equity | $15,844,500 | 3,770 |
| Average total loans | $121,065,500 | 3,078 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8379% | 1,034 |
| Cost of funding earning assets | 0.5416% | 2,277 |
| Net interest margin | 4.2964% | 1,064 |
| Noninterest income to average assets | 0.8529% | 1,670 |
| Noninterest expense to average assets | 3.7782% | 1,021 |
| Loan and lease loss provision to assets | 0.2611% | 852 |
| Net operating income to assets | 0.7997% | 3,373 |
| Return on assets (ROA) | 0.7997% | 3,473 |
| Pretax return on assets | 0.8004% | 4,258 |
| Return on Equity (ROE) | 8.3852% | 2,923 |
| Retained earnings to average equity (ytd only) | 4.7738% | 2,778 |
| Net charge-offs to loans | -0.0062% | 5,492 |
| Credit loss provision to net charge-offs | -5,685.7143% | 6,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1858% | 2,328 |
| Assets per employee ($millions) | 4.1552% | 3,623 |
| Cash dividends to net income (ytd only)* | 43.0681% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 4,869 |
| Loan loss allowance to noncurrent loans | 278.5088% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 1.6342% | 1,653 |
| Noncurrent loans to loans | 0.3723% | 4,533 |
| Net loans and leases to total assets | 69.4511% | 2,317 |
| Net loans and leases to deposits | 78.1810% | 2,957 |
| Net loans and leases to core deposits | 83.6640% | 2,934 |
| Total domestic deposits to total assets | 88.8338% | 1,335 |
| Equity capital to assets | 9.0180% | 5,264 |
| Core capital (leverage) ratio | 8.8246% | 5,220 |
| Tier 1 risk-based capital ratio | 12.6577% | 4,941 |
| Total risk-based capital ratio | 13.7225% | 4,970 |
| Memoranda: | ||
| Average total assets | $152,427,200 | 3,592 |
| Average earning assets | $141,444,400 | 3,579 |
| Average equity | $14,537,600 | 3,928 |
| Average total loans | $112,374,600 | 3,172 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6930% | 1,326 |
| Cost of funding earning assets | 0.5604% | 2,191 |
| Net interest margin | 4.1326% | 1,482 |
| Noninterest income to average assets | 0.9675% | 1,321 |
| Noninterest expense to average assets | 3.8872% | 859 |
| Loan and lease loss provision to assets | 0.0889% | 2,576 |
| Net operating income to assets | 0.8187% | 3,348 |
| Return on assets (ROA) | 0.8187% | 3,444 |
| Pretax return on assets | 0.8196% | 4,287 |
| Return on Equity (ROE) | 8.4470% | 2,969 |
| Retained earnings to average equity (ytd only) | 6.3399% | 2,195 |
| Net charge-offs to loans | -0.0073% | 5,362 |
| Credit loss provision to net charge-offs | -1,633.3333% | 5,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1855% | 1,886 |
| Assets per employee ($millions) | 4.2680% | 3,349 |
| Cash dividends to net income (ytd only)* | 24.9443% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7978% | 5,879 |
| Loan loss allowance to noncurrent loans | 261.1860% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 1.5812% | 1,931 |
| Noncurrent loans to loans | 0.3055% | 4,993 |
| Net loans and leases to total assets | 68.8558% | 2,402 |
| Net loans and leases to deposits | 77.3041% | 3,026 |
| Net loans and leases to core deposits | 85.1134% | 2,762 |
| Total domestic deposits to total assets | 89.0713% | 1,195 |
| Equity capital to assets | 8.9297% | 5,431 |
| Core capital (leverage) ratio | 8.9811% | 5,098 |
| Tier 1 risk-based capital ratio | 12.7201% | 5,028 |
| Total risk-based capital ratio | 13.5385% | 5,230 |
| Memoranda: | ||
| Average total assets | $146,904,750 | 3,709 |
| Average earning assets | $136,086,500 | 3,685 |
| Average equity | $14,237,500 | 4,008 |
| Average total loans | $109,849,750 | 3,240 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8153% | 1,048 |
| Cost of funding earning assets | 0.5785% | 2,084 |
| Net interest margin | 4.2368% | 1,163 |
| Noninterest income to average assets | 1.2694% | 735 |
| Noninterest expense to average assets | 4.0482% | 722 |
| Loan and lease loss provision to assets | 0.0087% | 4,060 |
| Net operating income to assets | 1.1196% | 1,862 |
| Return on assets (ROA) | 1.1196% | 1,935 |
| Pretax return on assets | 1.1211% | 3,003 |
| Return on Equity (ROE) | 11.1799% | 1,682 |
| Retained earnings to average equity (ytd only) | 7.9131% | 1,355 |
| Net charge-offs to loans | -0.0038% | 5,137 |
| Credit loss provision to net charge-offs | -300.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4502% | 2,382 |
| Assets per employee ($millions) | 3.5982% | 4,661 |
| Cash dividends to net income (ytd only)* | 29.2208% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 6,110 |
| Loan loss allowance to noncurrent loans | 176.3636% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 2.0541% | 1,542 |
| Noncurrent loans to loans | 0.4200% | 4,730 |
| Net loans and leases to total assets | 72.2414% | 1,696 |
| Net loans and leases to deposits | 82.1649% | 2,232 |
| Net loans and leases to core deposits | 91.6861% | 1,957 |
| Total domestic deposits to total assets | 87.9225% | 1,947 |
| Equity capital to assets | 9.5818% | 4,649 |
| Core capital (leverage) ratio | 9.4968% | 4,334 |
| Tier 1 risk-based capital ratio | 12.9369% | 4,952 |
| Total risk-based capital ratio | 13.6944% | 5,187 |
| Memoranda: | ||
| Average total assets | $137,543,330 | 3,894 |
| Average earning assets | $126,888,330 | 3,878 |
| Average equity | $13,774,670 | 4,089 |
| Average total loans | $105,980,000 | 3,335 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4599% | 1,934 |
| Cost of funding earning assets | 0.5919% | 2,050 |
| Net interest margin | 3.8680% | 2,200 |
| Noninterest income to average assets | 2.1922% | 288 |
| Noninterest expense to average assets | 4.0174% | 745 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7614% | 511 |
| Return on assets (ROA) | 1.7614% | 528 |
| Pretax return on assets | 1.7614% | 857 |
| Return on Equity (ROE) | 17.1103% | 518 |
| Retained earnings to average equity (ytd only) | 17.1103% | 215 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1331% | 3,978 |
| Assets per employee ($millions) | 3.4151% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7224% | 6,247 |
| Loan loss allowance to noncurrent loans | 69.3665% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 2.7162% | 1,121 |
| Noncurrent loans to loans | 1.0414% | 3,342 |
| Net loans and leases to total assets | 75.6768% | 1,043 |
| Net loans and leases to deposits | 86.3950% | 1,547 |
| Net loans and leases to core deposits | 94.0352% | 1,545 |
| Total domestic deposits to total assets | 87.5940% | 2,464 |
| Equity capital to assets | 9.7834% | 4,129 |
| Core capital (leverage) ratio | 13.3323% | 1,025 |
| Tier 1 risk-based capital ratio | 12.4199% | 5,357 |
| Total risk-based capital ratio | 13.1411% | 5,637 |
| Memoranda: | ||
| Average total assets | $125,354,500 | 4,158 |
| Average earning assets | $116,237,000 | 4,135 |
| Average equity | $12,904,500 | 4,254 |
| Average total loans | $100,046,500 | 3,472 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0082% | 910 |
| Cost of funding earning assets | 0.8036% | 1,195 |
| Net interest margin | 4.2046% | 1,338 |
| Noninterest income to average assets | 1.0351% | 1,310 |
| Noninterest expense to average assets | 3.9666% | 902 |
| Loan and lease loss provision to assets | 0.0352% | 4,417 |
| Net operating income to assets | 1.0212% | 2,242 |
| Return on assets (ROA) | 1.0212% | 2,301 |
| Pretax return on assets | 1.0212% | 3,263 |
| Return on Equity (ROE) | 9.5435% | 2,314 |
| Retained earnings to average equity (ytd only) | 8.5473% | 893 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9686% | 2,325 |
| Assets per employee ($millions) | 3.7446% | 4,376 |
| Cash dividends to net income (ytd only)* | 10.4384% | 4,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0766% | 5,254 |
| Loan loss allowance to noncurrent loans | 126.6471% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 3.0700% | 1,016 |
| Noncurrent loans to loans | 0.8501% | 3,850 |
| Net loans and leases to total assets | 84.9000% | 204 |
| Net loans and leases to deposits | 99.5204% | 505 |
| Net loans and leases to core deposits | 120.7848% | 317 |
| Total domestic deposits to total assets | 85.3091% | 3,590 |
| Equity capital to assets | 11.1519% | 2,472 |
| Core capital (leverage) ratio | 11.2062% | 2,189 |
| Tier 1 risk-based capital ratio | 14.5033% | 3,952 |
| Total risk-based capital ratio | 15.6959% | 3,929 |
| Memoranda: | ||
| Average total assets | $93,808,200 | 4,889 |
| Average earning assets | $88,973,800 | 4,804 |
| Average equity | $10,038,200 | 4,838 |
| Average total loans | $79,684,800 | 3,947 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0313% | 881 |
| Cost of funding earning assets | 0.8158% | 1,236 |
| Net interest margin | 4.2154% | 1,287 |
| Noninterest income to average assets | 0.9077% | 1,731 |
| Noninterest expense to average assets | 4.1254% | 743 |
| Loan and lease loss provision to assets | 0.0469% | 4,079 |
| Net operating income to assets | 0.7359% | 3,671 |
| Return on assets (ROA) | 0.7359% | 3,801 |
| Pretax return on assets | 0.7359% | 4,552 |
| Return on Equity (ROE) | 6.9498% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.9498% | 1,902 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0521% | 1,589 |
| Assets per employee ($millions) | 3.9519% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 5,364 |
| Loan loss allowance to noncurrent loans | 124.4604% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 2.7708% | 1,355 |
| Noncurrent loans to loans | 0.8760% | 4,065 |
| Net loans and leases to total assets | 82.7383% | 312 |
| Net loans and leases to deposits | 95.5067% | 725 |
| Net loans and leases to core deposits | 115.0696% | 420 |
| Total domestic deposits to total assets | 86.6310% | 2,897 |
| Equity capital to assets | 10.6973% | 3,075 |
| Core capital (leverage) ratio | 10.9246% | 2,556 |
| Tier 1 risk-based capital ratio | 14.2974% | 4,216 |
| Total risk-based capital ratio | 15.5122% | 4,190 |
| Memoranda: | ||
| Average total assets | $93,856,250 | 4,940 |
| Average earning assets | $89,067,250 | 4,846 |
| Average equity | $9,937,750 | 4,915 |
| Average total loans | $79,519,750 | 3,986 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0742% | 812 |
| Cost of funding earning assets | 0.8288% | 1,269 |
| Net interest margin | 4.2454% | 1,152 |
| Noninterest income to average assets | 1.0671% | 1,347 |
| Noninterest expense to average assets | 3.9882% | 876 |
| Loan and lease loss provision to assets | 0.0706% | 3,626 |
| Net operating income to assets | 1.0393% | 2,155 |
| Return on assets (ROA) | 1.0393% | 2,278 |
| Pretax return on assets | 1.0393% | 3,335 |
| Return on Equity (ROE) | 9.8497% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.8497% | 881 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2299% | 2,421 |
| Assets per employee ($millions) | 3.7255% | 4,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 5,527 |
| Loan loss allowance to noncurrent loans | 122.1751% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 2.8474% | 1,445 |
| Noncurrent loans to loans | 0.8829% | 4,159 |
| Net loans and leases to total assets | 85.1713% | 177 |
| Net loans and leases to deposits | 104.3694% | 258 |
| Net loans and leases to core deposits | 123.5896% | 262 |
| Total domestic deposits to total assets | 81.6056% | 5,177 |
| Equity capital to assets | 10.8045% | 2,938 |
| Core capital (leverage) ratio | 11.0560% | 2,300 |
| Tier 1 risk-based capital ratio | 13.9878% | 4,435 |
| Total risk-based capital ratio | 15.1801% | 4,430 |
| Memoranda: | ||
| Average total assets | $93,526,330 | 4,974 |
| Average earning assets | $88,801,330 | 4,877 |
| Average equity | $9,868,330 | 4,974 |
| Average total loans | $79,580,000 | 3,992 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0815% | 768 |
| Cost of funding earning assets | 0.8402% | 1,306 |
| Net interest margin | 4.2413% | 1,096 |
| Noninterest income to average assets | 0.8536% | 1,917 |
| Noninterest expense to average assets | 3.9735% | 917 |
| Loan and lease loss provision to assets | 0.1408% | 2,481 |
| Net operating income to assets | 0.7682% | 3,341 |
| Return on assets (ROA) | 0.7682% | 3,483 |
| Pretax return on assets | 0.7682% | 4,303 |
| Return on Equity (ROE) | 7.3687% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.3687% | 1,996 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3811% | 2,135 |
| Assets per employee ($millions) | 3.6812% | 4,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,549 |
| Loan loss allowance to noncurrent loans | 119.9723% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 2.8263% | 1,597 |
| Noncurrent loans to loans | 0.9279% | 4,276 |
| Net loans and leases to total assets | 83.4934% | 211 |
| Net loans and leases to deposits | 99.0295% | 391 |
| Net loans and leases to core deposits | 120.0328% | 283 |
| Total domestic deposits to total assets | 84.3116% | 4,348 |
| Equity capital to assets | 10.7237% | 3,291 |
| Core capital (leverage) ratio | 10.6241% | 2,633 |
| Tier 1 risk-based capital ratio | 13.8213% | 4,635 |
| Total risk-based capital ratio | 15.0360% | 4,624 |
| Memoranda: | ||
| Average total assets | $93,721,000 | 5,004 |
| Average earning assets | $89,029,000 | 4,907 |
| Average equity | $9,771,000 | 5,045 |
| Average total loans | $79,274,500 | 4,026 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 1,035 |
| Cost of funding earning assets | 1.0021% | 1,346 |
| Net interest margin | 4.2401% | 1,543 |
| Noninterest income to average assets | 0.2238% | 5,837 |
| Noninterest expense to average assets | 3.8419% | 1,184 |
| Loan and lease loss provision to assets | 0.2134% | 3,011 |
| Net operating income to assets | 0.2007% | 5,786 |
| Return on assets (ROA) | 0.3000% | 5,677 |
| Pretax return on assets | 0.3000% | 5,816 |
| Return on Equity (ROE) | 2.7269% | 5,665 |
| Retained earnings to average equity (ytd only) | 2.3074% | 4,611 |
| Net charge-offs to loans | 0.2101% | 3,708 |
| Credit loss provision to net charge-offs | 126.7123% | 2,228 |
| Earnings coverage of net charge-offs (x) | 2.4589% | 4,180 |
| Efficiency ratio | 90.2684% | 1,042 |
| Assets per employee ($millions) | 3.6697% | 4,627 |
| Cash dividends to net income (ytd only)* | 15.3846% | 3,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,858 |
| Loan loss allowance to noncurrent loans | 113.3515% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 2.7397% | 1,759 |
| Noncurrent loans to loans | 0.9079% | 4,365 |
| Net loans and leases to total assets | 83.8605% | 222 |
| Net loans and leases to deposits | 97.3015% | 546 |
| Net loans and leases to core deposits | 116.5283% | 344 |
| Total domestic deposits to total assets | 86.1862% | 3,262 |
| Equity capital to assets | 10.1381% | 3,984 |
| Core capital (leverage) ratio | 10.3872% | 2,899 |
| Tier 1 risk-based capital ratio | 13.2005% | 4,965 |
| Total risk-based capital ratio | 14.3372% | 4,993 |
| Memoranda: | ||
| Average total assets | $86,676,600 | 5,172 |
| Average earning assets | $82,426,800 | 5,056 |
| Average equity | $9,534,600 | 5,097 |
| Average total loans | $69,489,800 | 4,374 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 1,305 |
| Cost of funding earning assets | 1.0387% | 1,347 |
| Net interest margin | 4.1084% | 2,061 |
| Noninterest income to average assets | -0.1168% | 7,034 |
| Noninterest expense to average assets | 3.8551% | 1,122 |
| Loan and lease loss provision to assets | 0.2272% | 2,788 |
| Net operating income to assets | -0.2919% | 6,565 |
| Return on assets (ROA) | -0.1562% | 6,536 |
| Pretax return on assets | -0.1562% | 6,517 |
| Return on Equity (ROE) | -1.3895% | 6,530 |
| Retained earnings to average equity (ytd only) | -1.9508% | 6,389 |
| Net charge-offs to loans | 0.3041% | 2,917 |
| Credit loss provision to net charge-offs | 94.7368% | 3,154 |
| Earnings coverage of net charge-offs (x) | -0.2698% | 5,432 |
| Efficiency ratio | 101.7069% | 494 |
| Assets per employee ($millions) | 3.5394% | 4,879 |
| Cash dividends to net income (ytd only)* | -40.4015% | 7,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 5,677 |
| Loan loss allowance to noncurrent loans | 98.9912% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 1.7789% | 2,942 |
| Noncurrent loans to loans | 1.1206% | 4,184 |
| Net loans and leases to total assets | 76.0478% | 969 |
| Net loans and leases to deposits | 87.5784% | 1,404 |
| Net loans and leases to core deposits | 108.8010% | 615 |
| Total domestic deposits to total assets | 86.8340% | 2,780 |
| Equity capital to assets | 10.1483% | 4,277 |
| Core capital (leverage) ratio | 10.1794% | 3,307 |
| Tier 1 risk-based capital ratio | 14.4213% | 4,239 |
| Total risk-based capital ratio | 15.6383% | 4,243 |
| Memoranda: | ||
| Average total assets | $84,492,750 | 5,284 |
| Average earning assets | $80,353,250 | 5,167 |
| Average equity | $9,500,000 | 5,152 |
| Average total loans | $66,651,000 | 4,519 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1538% | 1,364 |
| Cost of funding earning assets | 1.0478% | 1,484 |
| Net interest margin | 4.1061% | 2,067 |
| Noninterest income to average assets | 0.7782% | 2,300 |
| Noninterest expense to average assets | 4.0521% | 884 |
| Loan and lease loss provision to assets | 0.0903% | 4,443 |
| Net operating income to assets | 0.5269% | 4,694 |
| Return on assets (ROA) | 0.6148% | 4,560 |
| Pretax return on assets | 0.6148% | 5,087 |
| Return on Equity (ROE) | 5.2755% | 4,676 |
| Retained earnings to average equity (ytd only) | 4.4381% | 3,647 |
| Net charge-offs to loans | -0.0061% | 6,201 |
| Credit loss provision to net charge-offs | -1,850.0000% | 6,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7816% | 1,363 |
| Assets per employee ($millions) | 3.7143% | 4,490 |
| Cash dividends to net income (ytd only)* | 15.8730% | 3,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 5,150 |
| Loan loss allowance to noncurrent loans | 104.5226% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 2.6045% | 2,129 |
| Noncurrent loans to loans | 1.1895% | 4,168 |
| Net loans and leases to total assets | 77.3622% | 800 |
| Net loans and leases to deposits | 90.7093% | 1,078 |
| Net loans and leases to core deposits | 115.2420% | 416 |
| Total domestic deposits to total assets | 85.2859% | 3,719 |
| Equity capital to assets | 11.3148% | 2,771 |
| Core capital (leverage) ratio | 11.7221% | 1,774 |
| Tier 1 risk-based capital ratio | 15.3702% | 3,528 |
| Total risk-based capital ratio | 16.6200% | 3,487 |
| Memoranda: | ||
| Average total assets | $81,982,000 | 5,379 |
| Average earning assets | $77,689,670 | 5,279 |
| Average equity | $9,553,670 | 5,145 |
| Average total loans | $65,278,670 | 4,596 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2265% | 1,262 |
| Cost of funding earning assets | 1.0632% | 1,603 |
| Net interest margin | 4.1633% | 1,878 |
| Noninterest income to average assets | 0.5383% | 3,640 |
| Noninterest expense to average assets | 3.8625% | 1,113 |
| Loan and lease loss provision to assets | 0.1346% | 3,667 |
| Net operating income to assets | 0.4834% | 4,898 |
| Return on assets (ROA) | 0.4834% | 5,096 |
| Pretax return on assets | 0.4834% | 5,478 |
| Return on Equity (ROE) | 4.0853% | 5,254 |
| Retained earnings to average equity (ytd only) | 4.0853% | 4,140 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2069% | 1,460 |
| Assets per employee ($millions) | 3.2044% | 5,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,239 |
| Loan loss allowance to noncurrent loans | 84.2754% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 2.7962% | 2,095 |
| Noncurrent loans to loans | 1.4839% | 3,893 |
| Net loans and leases to total assets | 80.8289% | 344 |
| Net loans and leases to deposits | 95.6413% | 561 |
| Net loans and leases to core deposits | 118.9332% | 327 |
| Total domestic deposits to total assets | 84.5125% | 4,266 |
| Equity capital to assets | 11.9473% | 2,083 |
| Core capital (leverage) ratio | 11.8387% | 1,684 |
| Tier 1 risk-based capital ratio | 15.3766% | 3,514 |
| Total risk-based capital ratio | 16.6274% | 3,477 |
| Memoranda: | ||
| Average total assets | $80,259,000 | 5,468 |
| Average earning assets | $75,998,000 | 5,365 |
| Average equity | $9,497,500 | 5,171 |
| Average total loans | $64,457,500 | 4,643 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2954% | 1,717 |
| Cost of funding earning assets | 1.3157% | 1,411 |
| Net interest margin | 3.9797% | 2,986 |
| Noninterest income to average assets | 0.4663% | 4,083 |
| Noninterest expense to average assets | 3.6559% | 1,626 |
| Loan and lease loss provision to assets | 0.2203% | 3,995 |
| Net operating income to assets | 0.3581% | 5,041 |
| Return on assets (ROA) | 0.4045% | 5,021 |
| Pretax return on assets | 0.4045% | 5,286 |
| Return on Equity (ROE) | 3.9432% | 4,876 |
| Retained earnings to average equity (ytd only) | 3.9432% | 3,391 |
| Net charge-offs to loans | 0.3532% | 3,634 |
| Credit loss provision to net charge-offs | 79.1667% | 4,494 |
| Earnings coverage of net charge-offs (x) | 2.0787% | 4,219 |
| Efficiency ratio | 86.3401% | 1,516 |
| Assets per employee ($millions) | 3.8290% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 5,160 |
| Loan loss allowance to noncurrent loans | 80.6714% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 2.7982% | 2,161 |
| Noncurrent loans to loans | 1.5519% | 3,832 |
| Net loans and leases to total assets | 77.7908% | 732 |
| Net loans and leases to deposits | 91.7748% | 987 |
| Net loans and leases to core deposits | 107.6740% | 720 |
| Total domestic deposits to total assets | 84.7627% | 3,980 |
| Equity capital to assets | 11.7202% | 2,323 |
| Core capital (leverage) ratio | 11.8756% | 1,672 |
| Tier 1 risk-based capital ratio | 15.5494% | 3,295 |
| Total risk-based capital ratio | 16.7995% | 3,249 |
| Memoranda: | ||
| Average total assets | $77,627,000 | 5,518 |
| Average earning assets | $73,497,400 | 5,418 |
| Average equity | $7,963,000 | 5,580 |
| Average total loans | $61,156,000 | 4,825 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2743% | 1,959 |
| Cost of funding earning assets | 1.3707% | 1,370 |
| Net interest margin | 3.9036% | 3,371 |
| Noninterest income to average assets | 0.5061% | 3,823 |
| Noninterest expense to average assets | 3.7123% | 1,468 |
| Loan and lease loss provision to assets | 0.2790% | 3,286 |
| Net operating income to assets | 0.2114% | 5,671 |
| Return on assets (ROA) | 0.2738% | 5,653 |
| Pretax return on assets | 0.2738% | 5,761 |
| Return on Equity (ROE) | 2.7727% | 5,515 |
| Retained earnings to average equity (ytd only) | 2.7727% | 4,704 |
| Net charge-offs to loans | 0.4752% | 2,836 |
| Credit loss provision to net charge-offs | 74.5370% | 4,337 |
| Earnings coverage of net charge-offs (x) | 1.3102% | 4,634 |
| Efficiency ratio | 88.3299% | 1,312 |
| Assets per employee ($millions) | 3.7262% | 4,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 5,058 |
| Loan loss allowance to noncurrent loans | 78.9315% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 2.8869% | 2,242 |
| Noncurrent loans to loans | 1.6332% | 3,846 |
| Net loans and leases to total assets | 76.6227% | 889 |
| Net loans and leases to deposits | 88.2423% | 1,409 |
| Net loans and leases to core deposits | 102.9888% | 1,038 |
| Total domestic deposits to total assets | 86.8321% | 2,757 |
| Equity capital to assets | 11.9321% | 2,305 |
| Core capital (leverage) ratio | 11.6777% | 1,907 |
| Tier 1 risk-based capital ratio | 15.6924% | 3,282 |
| Total risk-based capital ratio | 16.9430% | 3,244 |
| Memoranda: | ||
| Average total assets | $76,931,750 | 5,580 |
| Average earning assets | $72,854,750 | 5,483 |
| Average equity | $7,597,750 | 5,725 |
| Average total loans | $60,609,250 | 4,885 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2853% | 1,932 |
| Cost of funding earning assets | 1.3833% | 1,487 |
| Net interest margin | 3.9020% | 3,300 |
| Noninterest income to average assets | 0.6798% | 2,657 |
| Noninterest expense to average assets | 3.7886% | 1,363 |
| Loan and lease loss provision to assets | 0.3085% | 2,945 |
| Net operating income to assets | 0.2850% | 5,430 |
| Return on assets (ROA) | 0.3530% | 5,299 |
| Pretax return on assets | 0.3530% | 5,535 |
| Return on Equity (ROE) | 3.8472% | 5,003 |
| Retained earnings to average equity (ytd only) | 3.8472% | 3,755 |
| Net charge-offs to loans | 0.7133% | 2,085 |
| Credit loss provision to net charge-offs | 54.6296% | 4,469 |
| Earnings coverage of net charge-offs (x) | 1.0509% | 4,502 |
| Efficiency ratio | 86.4558% | 1,549 |
| Assets per employee ($millions) | 3.7108% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,278 |
| Loan loss allowance to noncurrent loans | 73.7787% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 2.9130% | 2,303 |
| Noncurrent loans to loans | 1.7029% | 3,880 |
| Net loans and leases to total assets | 74.6352% | 1,298 |
| Net loans and leases to deposits | 84.1961% | 2,079 |
| Net loans and leases to core deposits | 97.1374% | 1,571 |
| Total domestic deposits to total assets | 88.6445% | 1,751 |
| Equity capital to assets | 10.0094% | 4,139 |
| Core capital (leverage) ratio | 10.0196% | 3,240 |
| Tier 1 risk-based capital ratio | 13.7262% | 4,360 |
| Total risk-based capital ratio | 14.9767% | 4,337 |
| Memoranda: | ||
| Average total assets | $76,492,000 | 5,639 |
| Average earning assets | $72,578,330 | 5,534 |
| Average equity | $7,018,000 | 5,922 |
| Average total loans | $60,565,330 | 4,933 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3486% | 1,723 |
| Cost of funding earning assets | 1.3871% | 1,682 |
| Net interest margin | 3.9615% | 2,862 |
| Noninterest income to average assets | 0.7707% | 2,153 |
| Noninterest expense to average assets | 4.0383% | 988 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5015% | 4,484 |
| Return on assets (ROA) | 0.5015% | 4,566 |
| Pretax return on assets | 0.5015% | 5,022 |
| Return on Equity (ROE) | 5.7341% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.7341% | 2,783 |
| Net charge-offs to loans | 0.1954% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 2,828 |
| Efficiency ratio | 88.9535% | 1,422 |
| Assets per employee ($millions) | 3.4621% | 5,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3316% | 4,985 |
| Loan loss allowance to noncurrent loans | 44.6656% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 2.9698% | 2,323 |
| Noncurrent loans to loans | 2.9814% | 2,519 |
| Net loans and leases to total assets | 78.6023% | 664 |
| Net loans and leases to deposits | 87.6726% | 1,498 |
| Net loans and leases to core deposits | 101.8163% | 1,216 |
| Total domestic deposits to total assets | 89.6543% | 1,388 |
| Equity capital to assets | 8.7807% | 5,524 |
| Core capital (leverage) ratio | 8.8271% | 4,886 |
| Tier 1 risk-based capital ratio | 11.7628% | 5,885 |
| Total risk-based capital ratio | 13.0133% | 5,895 |
| Memoranda: | ||
| Average total assets | $75,774,500 | 5,709 |
| Average earning assets | $72,093,500 | 5,600 |
| Average equity | $6,627,000 | 6,051 |
| Average total loans | $61,397,500 | 4,937 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7258% | 1,484 |
| Cost of funding earning assets | 1.7426% | 1,411 |
| Net interest margin | 3.9833% | 3,089 |
| Noninterest income to average assets | 0.9693% | 1,609 |
| Noninterest expense to average assets | 4.5415% | 625 |
| Loan and lease loss provision to assets | 0.3886% | 3,783 |
| Net operating income to assets | -0.3858% | 6,298 |
| Return on assets (ROA) | -0.2019% | 6,168 |
| Pretax return on assets | -0.2019% | 6,086 |
| Return on Equity (ROE) | -2.1751% | 6,191 |
| Retained earnings to average equity (ytd only) | -2.1751% | 5,992 |
| Net charge-offs to loans | 0.0940% | 5,901 |
| Credit loss provision to net charge-offs | 547.0588% | 412 |
| Earnings coverage of net charge-offs (x) | 0.0392% | 6,076 |
| Efficiency ratio | 99.9387% | 778 |
| Assets per employee ($millions) | 3.5896% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 4,752 |
| Loan loss allowance to noncurrent loans | 40.6402% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 3.6839% | 1,866 |
| Noncurrent loans to loans | 3.3195% | 2,286 |
| Net loans and leases to total assets | 81.2926% | 513 |
| Net loans and leases to deposits | 89.5658% | 1,585 |
| Net loans and leases to core deposits | 103.5065% | 1,347 |
| Total domestic deposits to total assets | 90.7630% | 712 |
| Equity capital to assets | 8.7103% | 5,566 |
| Core capital (leverage) ratio | 8.7776% | 4,887 |
| Tier 1 risk-based capital ratio | 11.3041% | 6,089 |
| Total risk-based capital ratio | 12.5540% | 6,075 |
| Memoranda: | ||
| Average total assets | $71,804,400 | 5,820 |
| Average earning assets | $64,444,800 | 5,844 |
| Average equity | $6,666,400 | 6,145 |
| Average total loans | $54,241,400 | 5,306 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7249% | 1,628 |
| Cost of funding earning assets | 1.8374% | 1,271 |
| Net interest margin | 3.8875% | 3,582 |
| Noninterest income to average assets | 1.0680% | 1,254 |
| Noninterest expense to average assets | 4.5747% | 548 |
| Loan and lease loss provision to assets | 0.4983% | 2,972 |
| Net operating income to assets | -0.5678% | 6,644 |
| Return on assets (ROA) | -0.3196% | 6,495 |
| Pretax return on assets | -0.3196% | 6,421 |
| Return on Equity (ROE) | -3.3873% | 6,525 |
| Retained earnings to average equity (ytd only) | -3.3873% | 6,393 |
| Net charge-offs to loans | 0.1301% | 5,252 |
| Credit loss provision to net charge-offs | 519.6078% | 560 |
| Earnings coverage of net charge-offs (x) | -0.7254% | 6,397 |
| Efficiency ratio | 101.5442% | 699 |
| Assets per employee ($millions) | 3.4023% | 5,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4603% | 4,152 |
| Loan loss allowance to noncurrent loans | 42.1268% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 4.7454% | 1,389 |
| Noncurrent loans to loans | 3.4664% | 2,297 |
| Net loans and leases to total assets | 74.2849% | 1,741 |
| Net loans and leases to deposits | 82.7327% | 2,955 |
| Net loans and leases to core deposits | 91.8269% | 2,831 |
| Total domestic deposits to total assets | 89.7890% | 973 |
| Equity capital to assets | 8.8536% | 5,773 |
| Core capital (leverage) ratio | 8.8938% | 4,858 |
| Tier 1 risk-based capital ratio | 11.8348% | 5,603 |
| Total risk-based capital ratio | 13.0873% | 5,580 |
| Memoranda: | ||
| Average total assets | $70,910,000 | 5,919 |
| Average earning assets | $62,694,750 | 5,968 |
| Average equity | $6,691,500 | 6,212 |
| Average total loans | $52,272,250 | 5,470 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7473% | 1,560 |
| Cost of funding earning assets | 1.8727% | 1,329 |
| Net interest margin | 3.8746% | 3,563 |
| Noninterest income to average assets | 1.1150% | 1,054 |
| Noninterest expense to average assets | 4.5836% | 525 |
| Loan and lease loss provision to assets | 0.6236% | 2,299 |
| Net operating income to assets | -0.6437% | 6,772 |
| Return on assets (ROA) | -0.2644% | 6,478 |
| Pretax return on assets | -0.2644% | 6,389 |
| Return on Equity (ROE) | -2.7410% | 6,496 |
| Retained earnings to average equity (ytd only) | -2.7410% | 6,262 |
| Net charge-offs to loans | 0.2004% | 4,410 |
| Credit loss provision to net charge-offs | 425.4902% | 855 |
| Earnings coverage of net charge-offs (x) | -0.1373% | 5,836 |
| Efficiency ratio | 100.4408% | 787 |
| Assets per employee ($millions) | 3.2772% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 4,155 |
| Loan loss allowance to noncurrent loans | 39.8562% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 5.1652% | 1,225 |
| Noncurrent loans to loans | 3.6497% | 2,160 |
| Net loans and leases to total assets | 72.9160% | 2,187 |
| Net loans and leases to deposits | 82.1679% | 3,245 |
| Net loans and leases to core deposits | 90.0497% | 3,253 |
| Total domestic deposits to total assets | 88.7403% | 1,578 |
| Equity capital to assets | 9.2666% | 5,051 |
| Core capital (leverage) ratio | 9.5468% | 3,747 |
| Tier 1 risk-based capital ratio | 12.5714% | 4,794 |
| Total risk-based capital ratio | 13.8236% | 4,772 |
| Memoranda: | ||
| Average total assets | $69,596,330 | 5,989 |
| Average earning assets | $61,942,000 | 6,023 |
| Average equity | $6,713,000 | 6,232 |
| Average total loans | $50,887,330 | 5,569 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7805% | 1,523 |
| Cost of funding earning assets | 1.9013% | 1,443 |
| Net interest margin | 3.8792% | 3,409 |
| Noninterest income to average assets | 1.7616% | 413 |
| Noninterest expense to average assets | 4.5767% | 529 |
| Loan and lease loss provision to assets | 1.0769% | 1,146 |
| Net operating income to assets | -0.3336% | 6,695 |
| Return on assets (ROA) | -0.2107% | 6,622 |
| Pretax return on assets | -0.2107% | 6,564 |
| Return on Equity (ROE) | -2.1400% | 6,650 |
| Retained earnings to average equity (ytd only) | -2.1400% | 6,233 |
| Net charge-offs to loans | 0.8297% | 1,872 |
| Credit loss provision to net charge-offs | 178.6408% | 2,045 |
| Earnings coverage of net charge-offs (x) | 1.2330% | 4,026 |
| Efficiency ratio | 86.0286% | 1,792 |
| Assets per employee ($millions) | 3.4158% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 4,480 |
| Loan loss allowance to noncurrent loans | 63.0474% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 4.8584% | 1,347 |
| Noncurrent loans to loans | 2.2006% | 3,526 |
| Net loans and leases to total assets | 71.8920% | 2,473 |
| Net loans and leases to deposits | 85.6851% | 2,650 |
| Net loans and leases to core deposits | 97.4252% | 2,400 |
| Total domestic deposits to total assets | 83.9025% | 4,191 |
| Equity capital to assets | 9.8661% | 4,037 |
| Core capital (leverage) ratio | 9.8061% | 3,389 |
| Tier 1 risk-based capital ratio | 13.2737% | 4,148 |
| Total risk-based capital ratio | 14.5432% | 4,076 |
| Memoranda: | ||
| Average total assets | $68,345,500 | 6,095 |
| Average earning assets | $62,694,000 | 6,059 |
| Average equity | $6,729,000 | 6,276 |
| Average total loans | $49,657,500 | 5,684 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0418% | 1,709 |
| Cost of funding earning assets | 2.4464% | 1,170 |
| Net interest margin | 3.5955% | 4,566 |
| Noninterest income to average assets | 0.9274% | 1,841 |
| Noninterest expense to average assets | 5.3475% | 425 |
| Loan and lease loss provision to assets | 0.4770% | 3,974 |
| Net operating income to assets | -1.6014% | 6,905 |
| Return on assets (ROA) | -1.6014% | 6,909 |
| Pretax return on assets | -1.6014% | 6,762 |
| Return on Equity (ROE) | -14.3489% | 6,898 |
| Retained earnings to average equity (ytd only) | -14.3489% | 6,841 |
| Net charge-offs to loans | 0.4166% | 4,142 |
| Credit loss provision to net charge-offs | 144.0000% | 3,322 |
| Earnings coverage of net charge-offs (x) | -3.3950% | 7,071 |
| Efficiency ratio | 126.6275% | 505 |
| Assets per employee ($millions) | 3.4188% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 5,162 |
| Loan loss allowance to noncurrent loans | 64.0084% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 2.7393% | 2,550 |
| Noncurrent loans to loans | 1.9248% | 3,763 |
| Net loans and leases to total assets | 71.5178% | 2,882 |
| Net loans and leases to deposits | 88.9222% | 2,402 |
| Net loans and leases to core deposits | 135.7494% | 965 |
| Total domestic deposits to total assets | 80.4273% | 5,544 |
| Equity capital to assets | 9.8251% | 3,977 |
| Core capital (leverage) ratio | 10.6585% | 2,467 |
| Tier 1 risk-based capital ratio | 13.6118% | 3,749 |
| Total risk-based capital ratio | 14.8441% | 3,705 |
| Memoranda: | ||
| Average total assets | $60,383,200 | 6,335 |
| Average earning assets | $55,347,400 | 6,319 |
| Average equity | $6,739,200 | 6,353 |
| Average total loans | $48,004,800 | 5,757 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1242% | 1,566 |
| Cost of funding earning assets | 2.5922% | 1,051 |
| Net interest margin | 3.5319% | 4,735 |
| Noninterest income to average assets | 1.0756% | 1,370 |
| Noninterest expense to average assets | 5.6314% | 358 |
| Loan and lease loss provision to assets | 0.6577% | 2,775 |
| Net operating income to assets | -1.9776% | 7,309 |
| Return on assets (ROA) | -1.9776% | 7,309 |
| Pretax return on assets | -1.9776% | 7,173 |
| Return on Equity (ROE) | -17.1197% | 7,278 |
| Retained earnings to average equity (ytd only) | -17.1197% | 7,237 |
| Net charge-offs to loans | 0.5599% | 3,000 |
| Credit loss provision to net charge-offs | 144.0000% | 3,390 |
| Earnings coverage of net charge-offs (x) | -2.8900% | 6,799 |
| Efficiency ratio | 130.6144% | 468 |
| Assets per employee ($millions) | 3.1706% | 5,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 4,982 |
| Loan loss allowance to noncurrent loans | 64.0084% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 3.3085% | 2,041 |
| Noncurrent loans to loans | 1.9121% | 3,762 |
| Net loans and leases to total assets | 77.6367% | 1,648 |
| Net loans and leases to deposits | 92.8606% | 2,084 |
| Net loans and leases to core deposits | 141.3100% | 861 |
| Total domestic deposits to total assets | 83.6056% | 3,904 |
| Equity capital to assets | 10.9348% | 3,075 |
| Core capital (leverage) ratio | 11.0809% | 2,349 |
| Tier 1 risk-based capital ratio | 13.8293% | 3,646 |
| Total risk-based capital ratio | 15.0628% | 3,610 |
| Memoranda: | ||
| Average total assets | $58,385,000 | 6,453 |
| Average earning assets | $53,491,750 | 6,446 |
| Average equity | $6,744,500 | 6,411 |
| Average total loans | $47,628,250 | 5,820 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1161% | 1,739 |
| Cost of funding earning assets | 2.6760% | 1,088 |
| Net interest margin | 3.4400% | 5,026 |
| Noninterest income to average assets | 1.1744% | 1,134 |
| Noninterest expense to average assets | 5.8897% | 329 |
| Loan and lease loss provision to assets | 0.4303% | 3,404 |
| Net operating income to assets | -1.9856% | 7,425 |
| Return on assets (ROA) | -1.9856% | 7,423 |
| Pretax return on assets | -1.9856% | 7,284 |
| Return on Equity (ROE) | -16.8529% | 7,418 |
| Retained earnings to average equity (ytd only) | -16.8529% | 7,340 |
| Net charge-offs to loans | 0.1962% | 4,308 |
| Credit loss provision to net charge-offs | 265.2174% | 1,757 |
| Earnings coverage of net charge-offs (x) | -9.5870% | 6,522 |
| Efficiency ratio | 135.8828% | 472 |
| Assets per employee ($millions) | 2.5450% | 7,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1755% | 5,107 |
| Loan loss allowance to noncurrent loans | 62.0976% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 2.7227% | 2,360 |
| Noncurrent loans to loans | 1.8930% | 3,677 |
| Net loans and leases to total assets | 82.3082% | 897 |
| Net loans and leases to deposits | 99.7302% | 1,313 |
| Net loans and leases to core deposits | 159.9268% | 452 |
| Total domestic deposits to total assets | 82.5308% | 4,461 |
| Equity capital to assets | 10.4668% | 3,446 |
| Core capital (leverage) ratio | 10.7347% | 2,627 |
| Tier 1 risk-based capital ratio | 12.6352% | 4,410 |
| Total risk-based capital ratio | 13.8268% | 4,381 |
| Memoranda: | ||
| Average total assets | $56,709,330 | 6,563 |
| Average earning assets | $52,092,330 | 6,548 |
| Average equity | $6,681,330 | 6,474 |
| Average total loans | $46,890,670 | 5,895 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2013% | 1,601 |
| Cost of funding earning assets | 2.7463% | 1,124 |
| Net interest margin | 3.4550% | 4,919 |
| Noninterest income to average assets | 1.1004% | 1,235 |
| Noninterest expense to average assets | 6.3164% | 260 |
| Loan and lease loss provision to assets | 0.3375% | 3,300 |
| Net operating income to assets | -2.4063% | 7,749 |
| Return on assets (ROA) | -2.4063% | 7,751 |
| Pretax return on assets | -2.4063% | 7,644 |
| Return on Equity (ROE) | -19.2220% | 7,734 |
| Retained earnings to average equity (ytd only) | -19.2220% | 7,622 |
| Net charge-offs to loans | -0.0713% | 7,797 |
| Credit loss provision to net charge-offs | -575.0000% | 6,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.7047% | 358 |
| Assets per employee ($millions) | 2.1882% | 7,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 4,610 |
| Loan loss allowance to noncurrent loans | 929.0323% | 428 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 4,103 |
| Noncurrent loans to loans | 0.1320% | 7,142 |
| Net loans and leases to total assets | 78.5092% | 1,696 |
| Net loans and leases to deposits | 98.7272% | 1,568 |
| Net loans and leases to core deposits | 144.7510% | 906 |
| Total domestic deposits to total assets | 79.5213% | 5,536 |
| Equity capital to assets | 11.2777% | 2,743 |
| Core capital (leverage) ratio | 12.2415% | 1,793 |
| Tier 1 risk-based capital ratio | 14.0471% | 3,561 |
| Total risk-based capital ratio | 15.2775% | 3,495 |
| Memoranda: | ||
| Average total assets | $54,524,500 | 6,690 |
| Average earning assets | $49,667,000 | 6,673 |
| Average equity | $6,825,500 | 6,466 |
| Average total loans | $44,900,500 | 6,015 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0465% | 1,015 |
| Cost of funding earning assets | 2.9042% | 2,252 |
| Net interest margin | 4.1423% | 2,529 |
| Noninterest income to average assets | 2.8133% | 219 |
| Noninterest expense to average assets | 10.2886% | 132 |
| Loan and lease loss provision to assets | 2.3781% | 454 |
| Net operating income to assets | -6.1255% | 8,159 |
| Return on assets (ROA) | -6.1255% | 8,151 |
| Pretax return on assets | -6.1255% | 8,110 |
| Return on Equity (ROE) | -28.2775% | 7,931 |
| Retained earnings to average equity (ytd only) | -28.2775% | 7,879 |
| Net charge-offs to loans | 1.6327% | 689 |
| Credit loss provision to net charge-offs | 171.6000% | 2,977 |
| Earnings coverage of net charge-offs (x) | -2.7040% | 6,749 |
| Efficiency ratio | 157.2881% | 321 |
| Assets per employee ($millions) | 1.8507% | 8,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2185% | 4,393 |
| Loan loss allowance to noncurrent loans | 104.4000% | 3,327 |
| Noncurrent assets plus other real estate owned to assets | 1.4009% | 3,395 |
| Noncurrent loans to loans | 1.1671% | 4,192 |
| Net loans and leases to total assets | 84.6922% | 785 |
| Net loans and leases to deposits | 106.0334% | 1,119 |
| Net loans and leases to core deposits | 151.6810% | 793 |
| Total domestic deposits to total assets | 79.8731% | 5,074 |
| Equity capital to assets | 13.9850% | 1,428 |
| Core capital (leverage) ratio | 15.3525% | 953 |
| Tier 1 risk-based capital ratio | 15.5945% | 2,816 |
| Total risk-based capital ratio | 16.7736% | 2,773 |
| Memoranda: | ||
| Average total assets | $36,078,800 | 7,378 |
| Average earning assets | $32,470,200 | 7,387 |
| Average equity | $7,815,400 | 6,170 |
| Average total loans | $30,625,000 | 6,671 |