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FortuneBank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 543 |
| Cost of funding earning assets | 0.7190% | 296 |
| Net interest margin | 3.8438% | 932 |
| Noninterest income to average assets | 1.8854% | 347 |
| Noninterest expense to average assets | 3.7433% | 371 |
| Loan and lease loss provision to assets | -0.1592% | 4,640 |
| Net operating income to assets | 1.3929% | 1,302 |
| Return on assets (ROA) | 1.4408% | 1,233 |
| Pretax return on assets | 1.9122% | 707 |
| Return on Equity (ROE) | 17.3572% | 538 |
| Retained earnings to average equity (ytd only) | 16.2344% | 162 |
| Net charge-offs to loans | -0.0516% | 4,341 |
| Credit loss provision to net charge-offs | 376.1468% | 943 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6076% | 1,907 |
| Assets per employee ($millions) | 4.4154% | 4,183 |
| Cash dividends to net income (ytd only)* | 6.4690% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0809% | 3,436 |
| Loan loss allowance to noncurrent loans | 314.5324% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9305% | 617 |
| Noncurrent loans to loans | 0.3436% | 2,348 |
| Net loans and leases to total assets | 76.7947% | 455 |
| Net loans and leases to deposits | 89.1444% | 600 |
| Net loans and leases to core deposits | 99.8582% | 544 |
| Total domestic deposits to total assets | 86.1464% | 2,853 |
| Equity capital to assets | 8.8511% | 3,759 |
| Core capital (leverage) ratio | 8.7552% | 3,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8680% | 2,918 |
| Memoranda: | ||
| Average total assets | $257,502,400 | 2,679 |
| Average earning assets | $237,836,200 | 2,692 |
| Average equity | $21,374,400 | 3,105 |
| Average total loans | $211,365,400 | 2,166 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7322% | 457 |
| Cost of funding earning assets | 0.7484% | 307 |
| Net interest margin | 3.9838% | 817 |
| Noninterest income to average assets | 2.0694% | 327 |
| Noninterest expense to average assets | 3.8376% | 325 |
| Loan and lease loss provision to assets | -0.0962% | 4,593 |
| Net operating income to assets | 1.4987% | 1,279 |
| Return on assets (ROA) | 1.4987% | 1,322 |
| Pretax return on assets | 1.9931% | 808 |
| Return on Equity (ROE) | 18.3640% | 586 |
| Retained earnings to average equity (ytd only) | 16.8369% | 251 |
| Net charge-offs to loans | -0.0867% | 4,561 |
| Credit loss provision to net charge-offs | 133.0935% | 1,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6757% | 2,010 |
| Assets per employee ($millions) | 4.2971% | 4,267 |
| Cash dividends to net income (ytd only)* | 8.3160% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 3,102 |
| Loan loss allowance to noncurrent loans | 108.0053% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.6318% | 289 |
| Noncurrent loans to loans | 1.0876% | 1,040 |
| Net loans and leases to total assets | 82.4327% | 166 |
| Net loans and leases to deposits | 96.0140% | 351 |
| Net loans and leases to core deposits | 110.9103% | 309 |
| Total domestic deposits to total assets | 85.8548% | 2,801 |
| Equity capital to assets | 8.9419% | 3,882 |
| Core capital (leverage) ratio | 8.5602% | 3,959 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2572% | 3,067 |
| Memoranda: | ||
| Average total assets | $256,750,750 | 2,700 |
| Average earning assets | $236,217,500 | 2,725 |
| Average equity | $20,953,500 | 3,168 |
| Average total loans | $213,646,000 | 2,178 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 513 |
| Cost of funding earning assets | 0.7558% | 360 |
| Net interest margin | 3.9705% | 866 |
| Noninterest income to average assets | 1.7697% | 400 |
| Noninterest expense to average assets | 3.7816% | 340 |
| Loan and lease loss provision to assets | 0.0316% | 2,348 |
| Net operating income to assets | 1.2775% | 1,930 |
| Return on assets (ROA) | 1.2775% | 2,005 |
| Pretax return on assets | 1.6648% | 1,576 |
| Return on Equity (ROE) | 16.1487% | 928 |
| Retained earnings to average equity (ytd only) | 13.8083% | 578 |
| Net charge-offs to loans | -0.0677% | 4,492 |
| Credit loss provision to net charge-offs | -56.1644% | 2,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7790% | 1,784 |
| Assets per employee ($millions) | 4.4403% | 4,147 |
| Cash dividends to net income (ytd only)* | 14.4928% | 2,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 2,786 |
| Loan loss allowance to noncurrent loans | 184.8011% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 1.2963% | 498 |
| Noncurrent loans to loans | 0.6640% | 1,762 |
| Net loans and leases to total assets | 82.7562% | 185 |
| Net loans and leases to deposits | 95.4011% | 404 |
| Net loans and leases to core deposits | 113.3727% | 295 |
| Total domestic deposits to total assets | 86.7455% | 2,450 |
| Equity capital to assets | 8.3651% | 4,311 |
| Core capital (leverage) ratio | 8.3142% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2405% | 3,064 |
| Memoranda: | ||
| Average total assets | $259,257,667 | 2,690 |
| Average earning assets | $242,138,333 | 2,683 |
| Average equity | $20,509,333 | 3,203 |
| Average total loans | $215,565,000 | 2,173 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 259 |
| Cost of funding earning assets | 0.7726% | 405 |
| Net interest margin | 4.4564% | 386 |
| Noninterest income to average assets | 1.9913% | 375 |
| Noninterest expense to average assets | 4.0574% | 272 |
| Loan and lease loss provision to assets | 0.0122% | 2,622 |
| Net operating income to assets | 1.6010% | 1,127 |
| Return on assets (ROA) | 1.6010% | 1,173 |
| Pretax return on assets | 2.0904% | 818 |
| Return on Equity (ROE) | 20.8147% | 482 |
| Retained earnings to average equity (ytd only) | 17.2465% | 404 |
| Net charge-offs to loans | 0.1012% | 680 |
| Credit loss provision to net charge-offs | 14.5455% | 1,438 |
| Earnings coverage of net charge-offs (x) | 25.0727% | 1,163 |
| Efficiency ratio | 65.6436% | 2,281 |
| Assets per employee ($millions) | 5.0441% | 3,609 |
| Cash dividends to net income (ytd only)* | 17.1429% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 3,275 |
| Loan loss allowance to noncurrent loans | 376.1171% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.9797% | 846 |
| Noncurrent loans to loans | 0.3015% | 3,016 |
| Net loans and leases to total assets | 79.6058% | 355 |
| Net loans and leases to deposits | 103.6701% | 210 |
| Net loans and leases to core deposits | 124.2657% | 206 |
| Total domestic deposits to total assets | 76.7876% | 4,533 |
| Equity capital to assets | 7.7015% | 4,636 |
| Core capital (leverage) ratio | 8.2201% | 4,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1744% | 3,050 |
| Memoranda: | ||
| Average total assets | $262,337,000 | 2,650 |
| Average earning assets | $245,402,500 | 2,646 |
| Average equity | $20,178,000 | 3,228 |
| Average total loans | $217,319,000 | 2,162 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2562% | 295 |
| Cost of funding earning assets | 1.2818% | 191 |
| Net interest margin | 3.9745% | 1,031 |
| Noninterest income to average assets | 2.7449% | 224 |
| Noninterest expense to average assets | 4.6617% | 229 |
| Loan and lease loss provision to assets | 0.3985% | 793 |
| Net operating income to assets | 1.0516% | 2,101 |
| Return on assets (ROA) | 1.0516% | 2,238 |
| Pretax return on assets | 1.3685% | 1,757 |
| Return on Equity (ROE) | 13.4990% | 923 |
| Retained earnings to average equity (ytd only) | 9.6836% | 646 |
| Net charge-offs to loans | -0.0330% | 4,564 |
| Credit loss provision to net charge-offs | -1,420.8955% | 4,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0714% | 1,674 |
| Assets per employee ($millions) | 4.1506% | 4,257 |
| Cash dividends to net income (ytd only)* | 28.2643% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 3,289 |
| Loan loss allowance to noncurrent loans | 155.1122% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 1.3694% | 571 |
| Noncurrent loans to loans | 0.7311% | 1,875 |
| Net loans and leases to total assets | 84.2837% | 161 |
| Net loans and leases to deposits | 115.7151% | 105 |
| Net loans and leases to core deposits | 137.7953% | 138 |
| Total domestic deposits to total assets | 72.8373% | 4,684 |
| Equity capital to assets | 7.6813% | 4,805 |
| Core capital (leverage) ratio | 8.1837% | 4,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7595% | 3,090 |
| Memoranda: | ||
| Average total assets | $238,883,000 | 2,666 |
| Average earning assets | $221,413,200 | 2,666 |
| Average equity | $18,608,800 | 3,312 |
| Average total loans | $203,176,600 | 2,209 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4407% | 260 |
| Cost of funding earning assets | 1.3871% | 175 |
| Net interest margin | 4.0536% | 993 |
| Noninterest income to average assets | 2.8713% | 199 |
| Noninterest expense to average assets | 4.8610% | 202 |
| Loan and lease loss provision to assets | 0.4764% | 643 |
| Net operating income to assets | 0.9863% | 2,385 |
| Return on assets (ROA) | 0.9863% | 2,521 |
| Pretax return on assets | 1.2828% | 2,122 |
| Return on Equity (ROE) | 12.6130% | 1,218 |
| Retained earnings to average equity (ytd only) | 8.7556% | 1,053 |
| Net charge-offs to loans | 0.0080% | 2,828 |
| Credit loss provision to net charge-offs | 6,975.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 257.5833% | 402 |
| Efficiency ratio | 72.9883% | 1,527 |
| Assets per employee ($millions) | 4.3828% | 3,971 |
| Cash dividends to net income (ytd only)* | 30.5828% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,772 |
| Loan loss allowance to noncurrent loans | 192.1273% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 1.1585% | 885 |
| Noncurrent loans to loans | 0.5119% | 2,521 |
| Net loans and leases to total assets | 84.9985% | 208 |
| Net loans and leases to deposits | 118.7679% | 125 |
| Net loans and leases to core deposits | 146.9617% | 128 |
| Total domestic deposits to total assets | 71.5668% | 4,699 |
| Equity capital to assets | 7.0282% | 4,945 |
| Core capital (leverage) ratio | 7.9609% | 4,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5719% | 3,113 |
| Memoranda: | ||
| Average total assets | $234,269,250 | 2,680 |
| Average earning assets | $216,656,750 | 2,684 |
| Average equity | $18,319,250 | 3,340 |
| Average total loans | $199,125,250 | 2,242 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5650% | 83 |
| Cost of funding earning assets | 1.5301% | 150 |
| Net interest margin | 5.0349% | 189 |
| Noninterest income to average assets | 2.6035% | 211 |
| Noninterest expense to average assets | 4.9620% | 196 |
| Loan and lease loss provision to assets | 0.6802% | 417 |
| Net operating income to assets | 1.2243% | 1,570 |
| Return on assets (ROA) | 1.2243% | 1,692 |
| Pretax return on assets | 1.5945% | 1,237 |
| Return on Equity (ROE) | 14.9081% | 725 |
| Retained earnings to average equity (ytd only) | 10.8493% | 628 |
| Net charge-offs to loans | 0.0213% | 2,294 |
| Credit loss provision to net charge-offs | 3,775.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 126.2500% | 603 |
| Efficiency ratio | 68.1439% | 2,217 |
| Assets per employee ($millions) | 4.0404% | 4,268 |
| Cash dividends to net income (ytd only)* | 27.2259% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,672 |
| Loan loss allowance to noncurrent loans | 136.2176% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3813% | 715 |
| Noncurrent loans to loans | 0.7188% | 2,081 |
| Net loans and leases to total assets | 86.2020% | 129 |
| Net loans and leases to deposits | 98.2315% | 644 |
| Net loans and leases to core deposits | 144.0365% | 140 |
| Total domestic deposits to total assets | 87.7539% | 1,305 |
| Equity capital to assets | 7.3194% | 4,921 |
| Core capital (leverage) ratio | 8.1952% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1473% | 3,144 |
| Memoranda: | ||
| Average total assets | $222,007,000 | 2,736 |
| Average earning assets | $204,296,000 | 2,745 |
| Average equity | $18,231,667 | 3,337 |
| Average total loans | $187,971,667 | 2,324 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 774 |
| Cost of funding earning assets | 1.6620% | 149 |
| Net interest margin | 3.4485% | 3,153 |
| Noninterest income to average assets | 2.6213% | 181 |
| Noninterest expense to average assets | 4.8067% | 248 |
| Loan and lease loss provision to assets | 0.4104% | 741 |
| Net operating income to assets | 0.4379% | 4,050 |
| Return on assets (ROA) | 0.4379% | 4,096 |
| Pretax return on assets | 0.5576% | 4,013 |
| Return on Equity (ROE) | 4.9877% | 3,638 |
| Retained earnings to average equity (ytd only) | 0.9618% | 3,750 |
| Net charge-offs to loans | 0.0543% | 1,469 |
| Credit loss provision to net charge-offs | 908.6957% | 618 |
| Earnings coverage of net charge-offs (x) | 21.4348% | 1,388 |
| Efficiency ratio | 82.6250% | 927 |
| Assets per employee ($millions) | 3.1555% | 4,718 |
| Cash dividends to net income (ytd only)* | 80.7175% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 3,903 |
| Loan loss allowance to noncurrent loans | 59.3190% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 2.2880% | 324 |
| Noncurrent loans to loans | 1.6139% | 960 |
| Net loans and leases to total assets | 82.2137% | 418 |
| Net loans and leases to deposits | 96.0426% | 906 |
| Net loans and leases to core deposits | 123.9162% | 368 |
| Total domestic deposits to total assets | 85.6013% | 2,170 |
| Equity capital to assets | 8.6233% | 4,784 |
| Core capital (leverage) ratio | 8.5686% | 4,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4437% | 3,378 |
| Memoranda: | ||
| Average total assets | $203,716,500 | 2,838 |
| Average earning assets | $186,286,000 | 2,859 |
| Average equity | $17,884,000 | 3,379 |
| Average total loans | $169,401,500 | 2,457 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4807% | 579 |
| Cost of funding earning assets | 1.7203% | 182 |
| Net interest margin | 3.7604% | 2,637 |
| Noninterest income to average assets | 2.6773% | 180 |
| Noninterest expense to average assets | 5.0658% | 204 |
| Loan and lease loss provision to assets | 0.1336% | 1,593 |
| Net operating income to assets | 0.6818% | 3,921 |
| Return on assets (ROA) | 0.6839% | 3,985 |
| Pretax return on assets | 0.9134% | 3,699 |
| Return on Equity (ROE) | 7.4753% | 3,380 |
| Retained earnings to average equity (ytd only) | 2.4345% | 3,809 |
| Net charge-offs to loans | 0.3977% | 489 |
| Credit loss provision to net charge-offs | 41.1290% | 3,195 |
| Earnings coverage of net charge-offs (x) | 3.2145% | 3,345 |
| Efficiency ratio | 82.3756% | 778 |
| Assets per employee ($millions) | 2.8453% | 4,887 |
| Cash dividends to net income (ytd only)* | 67.4330% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,031 |
| Loan loss allowance to noncurrent loans | 102.7273% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.7678% | 502 |
| Noncurrent loans to loans | 0.8618% | 1,785 |
| Net loans and leases to total assets | 82.5718% | 479 |
| Net loans and leases to deposits | 100.3778% | 581 |
| Net loans and leases to core deposits | 123.0189% | 403 |
| Total domestic deposits to total assets | 82.2610% | 3,429 |
| Equity capital to assets | 8.9416% | 4,715 |
| Core capital (leverage) ratio | 8.6040% | 4,780 |
| Tier 1 risk-based capital ratio | 10.0962% | 5,112 |
| Total risk-based capital ratio | 10.9768% | 5,123 |
| Memoranda: | ||
| Average total assets | $190,828,800 | 2,913 |
| Average earning assets | $174,210,200 | 2,938 |
| Average equity | $17,457,400 | 3,394 |
| Average total loans | $155,887,800 | 2,560 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4261% | 666 |
| Cost of funding earning assets | 1.7170% | 189 |
| Net interest margin | 3.7091% | 2,884 |
| Noninterest income to average assets | 2.6384% | 182 |
| Noninterest expense to average assets | 5.0600% | 203 |
| Loan and lease loss provision to assets | 0.1300% | 1,488 |
| Net operating income to assets | 0.6224% | 4,234 |
| Return on assets (ROA) | 0.6252% | 4,280 |
| Pretax return on assets | 0.8336% | 4,048 |
| Return on Equity (ROE) | 6.7933% | 3,772 |
| Retained earnings to average equity (ytd only) | 1.4201% | 4,456 |
| Net charge-offs to loans | 0.5876% | 275 |
| Credit loss provision to net charge-offs | 27.2189% | 2,931 |
| Earnings coverage of net charge-offs (x) | 2.0104% | 3,231 |
| Efficiency ratio | 83.5250% | 647 |
| Assets per employee ($millions) | 2.7971% | 4,974 |
| Cash dividends to net income (ytd only)* | 79.0961% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 4,184 |
| Loan loss allowance to noncurrent loans | 212.0063% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 1.4674% | 775 |
| Noncurrent loans to loans | 0.4078% | 3,086 |
| Net loans and leases to total assets | 82.1200% | 554 |
| Net loans and leases to deposits | 101.5219% | 531 |
| Net loans and leases to core deposits | 122.4973% | 461 |
| Total domestic deposits to total assets | 80.8890% | 3,793 |
| Equity capital to assets | 9.3711% | 4,549 |
| Core capital (leverage) ratio | 8.7889% | 4,784 |
| Tier 1 risk-based capital ratio | 10.5025% | 5,074 |
| Total risk-based capital ratio | 11.3526% | 5,106 |
| Memoranda: | ||
| Average total assets | $188,743,250 | 2,955 |
| Average earning assets | $172,078,000 | 2,989 |
| Average equity | $17,369,500 | 3,425 |
| Average total loans | $153,377,750 | 2,611 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1809% | 1,019 |
| Cost of funding earning assets | 1.6708% | 206 |
| Net interest margin | 3.5101% | 3,566 |
| Noninterest income to average assets | 2.3817% | 210 |
| Noninterest expense to average assets | 4.7487% | 254 |
| Loan and lease loss provision to assets | 0.1004% | 1,866 |
| Net operating income to assets | 0.5466% | 4,431 |
| Return on assets (ROA) | 0.5508% | 4,454 |
| Pretax return on assets | 0.7337% | 4,252 |
| Return on Equity (ROE) | 6.0213% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.1095% | 4,408 |
| Net charge-offs to loans | -0.1754% | 5,110 |
| Credit loss provision to net charge-offs | -70.8955% | 3,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6096% | 614 |
| Assets per employee ($millions) | 2.9963% | 4,912 |
| Cash dividends to net income (ytd only)* | 81.5739% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 1,946 |
| Loan loss allowance to noncurrent loans | 54.1897% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 2.9412% | 209 |
| Noncurrent loans to loans | 2.4271% | 497 |
| Net loans and leases to total assets | 82.0011% | 614 |
| Net loans and leases to deposits | 101.8322% | 552 |
| Net loans and leases to core deposits | 122.9954% | 458 |
| Total domestic deposits to total assets | 80.5257% | 3,929 |
| Equity capital to assets | 9.2363% | 4,622 |
| Core capital (leverage) ratio | 8.9080% | 4,708 |
| Tier 1 risk-based capital ratio | 10.4177% | 5,133 |
| Total risk-based capital ratio | 11.6682% | 5,051 |
| Memoranda: | ||
| Average total assets | $189,189,330 | 2,964 |
| Average earning assets | $172,248,000 | 2,998 |
| Average equity | $17,305,330 | 3,434 |
| Average total loans | $152,757,330 | 2,634 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 1,061 |
| Cost of funding earning assets | 1.6627% | 183 |
| Net interest margin | 3.4555% | 3,734 |
| Noninterest income to average assets | 2.0063% | 247 |
| Noninterest expense to average assets | 4.5470% | 280 |
| Loan and lease loss provision to assets | 0.0697% | 2,262 |
| Net operating income to assets | 0.3970% | 4,738 |
| Return on assets (ROA) | 0.3970% | 4,750 |
| Pretax return on assets | 0.5280% | 4,625 |
| Return on Equity (ROE) | 4.3618% | 4,503 |
| Retained earnings to average equity (ytd only) | -0.8584% | 4,630 |
| Net charge-offs to loans | -0.0212% | 4,512 |
| Credit loss provision to net charge-offs | -412.5000% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8079% | 495 |
| Assets per employee ($millions) | 2.8960% | 5,024 |
| Cash dividends to net income (ytd only)* | 119.6809% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2512% | 2,320 |
| Loan loss allowance to noncurrent loans | 62.1891% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 2.6200% | 279 |
| Noncurrent loans to loans | 2.0120% | 737 |
| Net loans and leases to total assets | 79.8405% | 861 |
| Net loans and leases to deposits | 94.7739% | 1,079 |
| Net loans and leases to core deposits | 113.3575% | 768 |
| Total domestic deposits to total assets | 84.2432% | 2,966 |
| Equity capital to assets | 9.3120% | 4,423 |
| Core capital (leverage) ratio | 8.7395% | 4,834 |
| Tier 1 risk-based capital ratio | 10.8584% | 5,040 |
| Total risk-based capital ratio | 12.1013% | 4,945 |
| Memoranda: | ||
| Average total assets | $189,400,500 | 3,001 |
| Average earning assets | $172,014,000 | 3,031 |
| Average equity | $17,240,500 | 3,453 |
| Average total loans | $150,709,000 | 2,680 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 874 |
| Cost of funding earning assets | 1.3282% | 197 |
| Net interest margin | 3.7572% | 2,837 |
| Noninterest income to average assets | 1.7977% | 312 |
| Noninterest expense to average assets | 4.3138% | 361 |
| Loan and lease loss provision to assets | 0.1156% | 1,907 |
| Net operating income to assets | 0.5769% | 4,480 |
| Return on assets (ROA) | 0.5774% | 4,484 |
| Pretax return on assets | 0.7840% | 4,212 |
| Return on Equity (ROE) | 6.6268% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.6268% | 1,849 |
| Net charge-offs to loans | 0.1424% | 1,332 |
| Credit loss provision to net charge-offs | 101.3699% | 2,482 |
| Earnings coverage of net charge-offs (x) | 7.8858% | 2,945 |
| Efficiency ratio | 82.1931% | 786 |
| Assets per employee ($millions) | 3.1203% | 4,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 2,516 |
| Loan loss allowance to noncurrent loans | 54.5509% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.7355% | 259 |
| Noncurrent loans to loans | 2.2182% | 581 |
| Net loans and leases to total assets | 77.3968% | 1,375 |
| Net loans and leases to deposits | 92.8351% | 1,419 |
| Net loans and leases to core deposits | 118.5490% | 598 |
| Total domestic deposits to total assets | 83.3701% | 3,203 |
| Equity capital to assets | 8.9021% | 4,652 |
| Core capital (leverage) ratio | 8.6846% | 4,893 |
| Tier 1 risk-based capital ratio | 10.7442% | 5,098 |
| Total risk-based capital ratio | 11.9471% | 5,002 |
| Memoranda: | ||
| Average total assets | $192,082,000 | 2,943 |
| Average earning assets | $174,596,800 | 2,985 |
| Average equity | $16,735,200 | 3,433 |
| Average total loans | $153,845,600 | 2,601 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0124% | 927 |
| Cost of funding earning assets | 1.2569% | 187 |
| Net interest margin | 3.7555% | 2,807 |
| Noninterest income to average assets | 1.8045% | 323 |
| Noninterest expense to average assets | 4.2293% | 383 |
| Loan and lease loss provision to assets | 0.1120% | 1,810 |
| Net operating income to assets | 0.6496% | 4,369 |
| Return on assets (ROA) | 0.6502% | 4,382 |
| Pretax return on assets | 0.8776% | 4,096 |
| Return on Equity (ROE) | 7.5038% | 3,749 |
| Retained earnings to average equity (ytd only) | 7.5038% | 1,884 |
| Net charge-offs to loans | 0.1485% | 1,110 |
| Credit loss provision to net charge-offs | 93.6047% | 2,380 |
| Earnings coverage of net charge-offs (x) | 8.2673% | 2,730 |
| Efficiency ratio | 80.4904% | 904 |
| Assets per employee ($millions) | 3.0113% | 5,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,550 |
| Loan loss allowance to noncurrent loans | 51.1667% | 4,380 |
| Noncurrent assets plus other real estate owned to assets | 2.9748% | 247 |
| Noncurrent loans to loans | 2.3704% | 568 |
| Net loans and leases to total assets | 79.4001% | 1,108 |
| Net loans and leases to deposits | 95.6585% | 1,194 |
| Net loans and leases to core deposits | 123.7561% | 470 |
| Total domestic deposits to total assets | 83.0037% | 3,307 |
| Equity capital to assets | 9.0905% | 4,465 |
| Core capital (leverage) ratio | 8.6144% | 5,020 |
| Tier 1 risk-based capital ratio | 10.9240% | 5,073 |
| Total risk-based capital ratio | 12.1539% | 4,983 |
| Memoranda: | ||
| Average total assets | $191,737,750 | 2,975 |
| Average earning assets | $174,283,250 | 3,006 |
| Average equity | $16,613,500 | 3,467 |
| Average total loans | $154,415,750 | 2,606 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 909 |
| Cost of funding earning assets | 1.1936% | 187 |
| Net interest margin | 3.7606% | 2,712 |
| Noninterest income to average assets | 1.9978% | 274 |
| Noninterest expense to average assets | 4.2675% | 377 |
| Loan and lease loss provision to assets | 0.1489% | 1,279 |
| Net operating income to assets | 0.7486% | 4,036 |
| Return on assets (ROA) | 0.7486% | 4,039 |
| Pretax return on assets | 1.0020% | 3,656 |
| Return on Equity (ROE) | 8.7789% | 3,130 |
| Retained earnings to average equity (ytd only) | 8.7789% | 1,290 |
| Net charge-offs to loans | 0.0898% | 1,450 |
| Credit loss provision to net charge-offs | 205.7143% | 1,279 |
| Earnings coverage of net charge-offs (x) | 15.9000% | 2,016 |
| Efficiency ratio | 78.2252% | 1,183 |
| Assets per employee ($millions) | 3.1863% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,519 |
| Loan loss allowance to noncurrent loans | 81.6545% | 3,818 |
| Noncurrent assets plus other real estate owned to assets | 2.4067% | 373 |
| Noncurrent loans to loans | 1.5131% | 1,106 |
| Net loans and leases to total assets | 79.6569% | 1,073 |
| Net loans and leases to deposits | 95.4651% | 1,201 |
| Net loans and leases to core deposits | 126.3139% | 400 |
| Total domestic deposits to total assets | 83.4408% | 3,269 |
| Equity capital to assets | 8.7857% | 4,731 |
| Core capital (leverage) ratio | 8.2955% | 5,216 |
| Tier 1 risk-based capital ratio | 10.5301% | 5,261 |
| Total risk-based capital ratio | 11.7807% | 5,157 |
| Memoranda: | ||
| Average total assets | $193,417,000 | 2,965 |
| Average earning assets | $175,931,000 | 3,000 |
| Average equity | $16,494,000 | 3,504 |
| Average total loans | $155,867,670 | 2,596 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 870 |
| Cost of funding earning assets | 1.1138% | 215 |
| Net interest margin | 3.7864% | 2,473 |
| Noninterest income to average assets | 2.3872% | 210 |
| Noninterest expense to average assets | 4.4166% | 320 |
| Loan and lease loss provision to assets | 0.2591% | 557 |
| Net operating income to assets | 0.8656% | 3,429 |
| Return on assets (ROA) | 0.8656% | 3,445 |
| Pretax return on assets | 1.1576% | 2,947 |
| Return on Equity (ROE) | 10.3041% | 2,274 |
| Retained earnings to average equity (ytd only) | 10.3041% | 1,067 |
| Net charge-offs to loans | -0.1940% | 5,374 |
| Credit loss provision to net charge-offs | -165.7895% | 3,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2203% | 1,715 |
| Assets per employee ($millions) | 4.1174% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,263 |
| Loan loss allowance to noncurrent loans | 199.3137% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 1.7563% | 707 |
| Noncurrent loans to loans | 0.6504% | 2,599 |
| Net loans and leases to total assets | 78.3184% | 1,192 |
| Net loans and leases to deposits | 92.9683% | 1,335 |
| Net loans and leases to core deposits | 121.1087% | 553 |
| Total domestic deposits to total assets | 84.2420% | 3,220 |
| Equity capital to assets | 8.3529% | 5,076 |
| Core capital (leverage) ratio | 8.0347% | 5,381 |
| Tier 1 risk-based capital ratio | 10.1078% | 5,470 |
| Total risk-based capital ratio | 11.3596% | 5,402 |
| Memoranda: | ||
| Average total assets | $194,538,000 | 2,988 |
| Average earning assets | $177,055,000 | 3,022 |
| Average equity | $16,343,000 | 3,549 |
| Average total loans | $156,707,000 | 2,608 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 1,111 |
| Cost of funding earning assets | 1.0325% | 181 |
| Net interest margin | 3.7027% | 2,784 |
| Noninterest income to average assets | 1.5810% | 417 |
| Noninterest expense to average assets | 4.1437% | 453 |
| Loan and lease loss provision to assets | 0.5316% | 245 |
| Net operating income to assets | 0.1112% | 5,248 |
| Return on assets (ROA) | 0.1112% | 5,250 |
| Pretax return on assets | 0.2229% | 5,285 |
| Return on Equity (ROE) | 1.3215% | 5,182 |
| Retained earnings to average equity (ytd only) | 1.3215% | 4,488 |
| Net charge-offs to loans | 1.0647% | 166 |
| Credit loss provision to net charge-offs | 63.1050% | 3,185 |
| Earnings coverage of net charge-offs (x) | 0.8957% | 3,951 |
| Efficiency ratio | 84.0125% | 764 |
| Assets per employee ($millions) | 3.6818% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 2,957 |
| Loan loss allowance to noncurrent loans | 98.2823% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 2.3144% | 429 |
| Noncurrent loans to loans | 1.1897% | 1,495 |
| Net loans and leases to total assets | 80.8390% | 853 |
| Net loans and leases to deposits | 94.5032% | 1,219 |
| Net loans and leases to core deposits | 123.3528% | 491 |
| Total domestic deposits to total assets | 85.5409% | 2,641 |
| Equity capital to assets | 8.4544% | 5,156 |
| Core capital (leverage) ratio | 7.9940% | 5,441 |
| Tier 1 risk-based capital ratio | 9.8122% | 5,566 |
| Total risk-based capital ratio | 10.9969% | 5,543 |
| Memoranda: | ||
| Average total assets | $188,867,000 | 3,031 |
| Average earning assets | $169,203,000 | 3,088 |
| Average equity | $15,891,000 | 3,610 |
| Average total loans | $149,436,600 | 2,660 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,212 |
| Cost of funding earning assets | 1.0300% | 171 |
| Net interest margin | 3.6366% | 3,011 |
| Noninterest income to average assets | 1.4684% | 500 |
| Noninterest expense to average assets | 4.0845% | 471 |
| Loan and lease loss provision to assets | 0.5617% | 196 |
| Net operating income to assets | 0.0439% | 5,484 |
| Return on assets (ROA) | 0.0439% | 5,491 |
| Pretax return on assets | 0.0687% | 5,477 |
| Return on Equity (ROE) | 0.5226% | 5,477 |
| Retained earnings to average equity (ytd only) | 0.5226% | 5,107 |
| Net charge-offs to loans | 1.0701% | 160 |
| Credit loss provision to net charge-offs | 66.9198% | 2,725 |
| Earnings coverage of net charge-offs (x) | 0.7511% | 3,638 |
| Efficiency ratio | 86.0276% | 631 |
| Assets per employee ($millions) | 3.5661% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 2,205 |
| Loan loss allowance to noncurrent loans | 38.5905% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 4.6624% | 127 |
| Noncurrent loans to loans | 3.4485% | 322 |
| Net loans and leases to total assets | 79.4785% | 1,057 |
| Net loans and leases to deposits | 99.3210% | 792 |
| Net loans and leases to core deposits | 122.1626% | 511 |
| Total domestic deposits to total assets | 80.0219% | 4,307 |
| Equity capital to assets | 8.5094% | 5,278 |
| Core capital (leverage) ratio | 8.0483% | 5,499 |
| Tier 1 risk-based capital ratio | 9.5744% | 5,666 |
| Total risk-based capital ratio | 10.8245% | 5,639 |
| Memoranda: | ||
| Average total assets | $188,221,000 | 3,064 |
| Average earning assets | $168,028,500 | 3,128 |
| Average equity | $15,817,250 | 3,656 |
| Average total loans | $147,646,250 | 2,695 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 1,389 |
| Cost of funding earning assets | 1.0159% | 164 |
| Net interest margin | 3.5353% | 3,276 |
| Noninterest income to average assets | 1.3971% | 551 |
| Noninterest expense to average assets | 4.1349% | 450 |
| Loan and lease loss provision to assets | 0.7076% | 153 |
| Net operating income to assets | -0.1809% | 5,616 |
| Return on assets (ROA) | -0.1809% | 5,617 |
| Pretax return on assets | -0.2905% | 5,632 |
| Return on Equity (ROE) | -2.1617% | 5,627 |
| Retained earnings to average equity (ytd only) | -2.1617% | 5,359 |
| Net charge-offs to loans | 1.3140% | 140 |
| Credit loss provision to net charge-offs | 69.2708% | 2,387 |
| Earnings coverage of net charge-offs (x) | 0.4083% | 3,378 |
| Efficiency ratio | 90.2291% | 448 |
| Assets per employee ($millions) | 3.4565% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4333% | 1,800 |
| Loan loss allowance to noncurrent loans | 60.7849% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 3.7247% | 197 |
| Noncurrent loans to loans | 2.3580% | 664 |
| Net loans and leases to total assets | 76.7586% | 1,420 |
| Net loans and leases to deposits | 89.5866% | 1,792 |
| Net loans and leases to core deposits | 106.7296% | 1,179 |
| Total domestic deposits to total assets | 85.6808% | 2,530 |
| Equity capital to assets | 8.3363% | 5,392 |
| Core capital (leverage) ratio | 8.1483% | 5,460 |
| Tier 1 risk-based capital ratio | 9.7705% | 5,673 |
| Total risk-based capital ratio | 11.0223% | 5,646 |
| Memoranda: | ||
| Average total assets | $187,960,670 | 3,081 |
| Average earning assets | $167,738,000 | 3,137 |
| Average equity | $15,728,670 | 3,672 |
| Average total loans | $146,114,330 | 2,713 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5071% | 1,353 |
| Cost of funding earning assets | 1.0227% | 149 |
| Net interest margin | 3.4844% | 3,336 |
| Noninterest income to average assets | 1.2071% | 705 |
| Noninterest expense to average assets | 4.0110% | 532 |
| Loan and lease loss provision to assets | 1.4019% | 56 |
| Net operating income to assets | -0.7042% | 5,763 |
| Return on assets (ROA) | -0.7042% | 5,762 |
| Pretax return on assets | -1.1066% | 5,777 |
| Return on Equity (ROE) | -8.3987% | 5,772 |
| Retained earnings to average equity (ytd only) | -8.3987% | 5,538 |
| Net charge-offs to loans | 2.4664% | 71 |
| Credit loss provision to net charge-offs | 73.1844% | 1,807 |
| Earnings coverage of net charge-offs (x) | 0.1542% | 2,840 |
| Efficiency ratio | 92.5447% | 424 |
| Assets per employee ($millions) | 3.4350% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,672 |
| Loan loss allowance to noncurrent loans | 61.6016% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 3.8407% | 201 |
| Noncurrent loans to loans | 2.4459% | 645 |
| Net loans and leases to total assets | 76.7205% | 1,303 |
| Net loans and leases to deposits | 91.1512% | 1,414 |
| Net loans and leases to core deposits | 109.5663% | 896 |
| Total domestic deposits to total assets | 84.1683% | 3,414 |
| Equity capital to assets | 8.3757% | 5,317 |
| Core capital (leverage) ratio | 7.9445% | 5,581 |
| Tier 1 risk-based capital ratio | 9.4587% | 5,775 |
| Total risk-based capital ratio | 10.7102% | 5,766 |
| Memoranda: | ||
| Average total assets | $186,886,500 | 3,119 |
| Average earning assets | $166,225,500 | 3,189 |
| Average equity | $15,669,000 | 3,699 |
| Average total loans | $145,148,000 | 2,753 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 1,236 |
| Cost of funding earning assets | 1.0741% | 112 |
| Net interest margin | 3.5447% | 3,271 |
| Noninterest income to average assets | 2.2529% | 288 |
| Noninterest expense to average assets | 4.2736% | 456 |
| Loan and lease loss provision to assets | 0.3392% | 517 |
| Net operating income to assets | 0.5099% | 4,591 |
| Return on assets (ROA) | 0.5099% | 4,668 |
| Pretax return on assets | 0.8043% | 4,178 |
| Return on Equity (ROE) | 5.3383% | 4,256 |
| Retained earnings to average equity (ytd only) | 5.3383% | 2,107 |
| Net charge-offs to loans | 0.1894% | 1,464 |
| Credit loss provision to net charge-offs | 224.4444% | 1,280 |
| Earnings coverage of net charge-offs (x) | 7.5667% | 3,004 |
| Efficiency ratio | 78.5493% | 1,616 |
| Assets per employee ($millions) | 3.3283% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 1,800 |
| Loan loss allowance to noncurrent loans | 33.2007% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 4.8800% | 125 |
| Noncurrent loans to loans | 4.4233% | 212 |
| Net loans and leases to total assets | 76.7435% | 1,401 |
| Net loans and leases to deposits | 91.3497% | 1,528 |
| Net loans and leases to core deposits | 108.4039% | 998 |
| Total domestic deposits to total assets | 84.0108% | 3,415 |
| Equity capital to assets | 9.0836% | 4,728 |
| Core capital (leverage) ratio | 8.5183% | 5,240 |
| Tier 1 risk-based capital ratio | 10.6058% | 5,527 |
| Total risk-based capital ratio | 11.8575% | 5,449 |
| Memoranda: | ||
| Average total assets | $178,655,600 | 3,179 |
| Average earning assets | $159,475,400 | 3,246 |
| Average equity | $17,065,400 | 3,544 |
| Average total loans | $142,591,000 | 2,745 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 1,216 |
| Cost of funding earning assets | 1.0689% | 111 |
| Net interest margin | 3.5701% | 3,198 |
| Noninterest income to average assets | 2.3848% | 277 |
| Noninterest expense to average assets | 4.3700% | 421 |
| Loan and lease loss provision to assets | 0.2183% | 954 |
| Net operating income to assets | 0.6239% | 4,191 |
| Return on assets (ROA) | 0.6239% | 4,315 |
| Pretax return on assets | 0.9763% | 3,715 |
| Return on Equity (ROE) | 6.4459% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.4459% | 1,939 |
| Net charge-offs to loans | 0.1415% | 1,576 |
| Credit loss provision to net charge-offs | 192.0000% | 1,479 |
| Earnings coverage of net charge-offs (x) | 10.5064% | 2,566 |
| Efficiency ratio | 78.1910% | 1,667 |
| Assets per employee ($millions) | 3.7080% | 4,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3644% | 2,364 |
| Loan loss allowance to noncurrent loans | 37.5905% | 5,023 |
| Noncurrent assets plus other real estate owned to assets | 4.6001% | 163 |
| Noncurrent loans to loans | 3.6297% | 343 |
| Net loans and leases to total assets | 75.3842% | 1,638 |
| Net loans and leases to deposits | 89.3012% | 1,843 |
| Net loans and leases to core deposits | 107.3359% | 1,093 |
| Total domestic deposits to total assets | 84.4156% | 3,057 |
| Equity capital to assets | 9.1758% | 4,997 |
| Core capital (leverage) ratio | 9.0568% | 4,769 |
| Tier 1 risk-based capital ratio | 10.5293% | 5,604 |
| Total risk-based capital ratio | 11.7728% | 5,530 |
| Memoranda: | ||
| Average total assets | $175,890,750 | 3,227 |
| Average earning assets | $156,667,250 | 3,300 |
| Average equity | $17,023,500 | 3,579 |
| Average total loans | $141,297,750 | 2,766 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6879% | 1,073 |
| Cost of funding earning assets | 1.0608% | 111 |
| Net interest margin | 3.6272% | 2,986 |
| Noninterest income to average assets | 2.8166% | 219 |
| Noninterest expense to average assets | 4.5018% | 387 |
| Loan and lease loss provision to assets | 0.1924% | 1,123 |
| Net operating income to assets | 0.8642% | 3,031 |
| Return on assets (ROA) | 0.8642% | 3,146 |
| Pretax return on assets | 1.3645% | 2,152 |
| Return on Equity (ROE) | 8.7620% | 2,603 |
| Retained earnings to average equity (ytd only) | 8.7620% | 916 |
| Net charge-offs to loans | 0.1341% | 1,526 |
| Credit loss provision to net charge-offs | 175.5319% | 1,428 |
| Earnings coverage of net charge-offs (x) | 14.2021% | 2,069 |
| Efficiency ratio | 73.9750% | 2,365 |
| Assets per employee ($millions) | 3.2673% | 5,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 2,692 |
| Loan loss allowance to noncurrent loans | 37.1056% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 4.6297% | 167 |
| Noncurrent loans to loans | 3.5496% | 370 |
| Net loans and leases to total assets | 78.0073% | 1,205 |
| Net loans and leases to deposits | 92.8416% | 1,413 |
| Net loans and leases to core deposits | 113.4714% | 744 |
| Total domestic deposits to total assets | 84.0220% | 3,258 |
| Equity capital to assets | 9.4321% | 4,839 |
| Core capital (leverage) ratio | 9.3388% | 4,408 |
| Tier 1 risk-based capital ratio | 10.9123% | 5,469 |
| Total risk-based capital ratio | 12.1620% | 5,391 |
| Memoranda: | ||
| Average total assets | $171,485,670 | 3,290 |
| Average earning assets | $153,287,000 | 3,367 |
| Average equity | $16,914,000 | 3,596 |
| Average total loans | $140,221,000 | 2,785 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8473% | 771 |
| Cost of funding earning assets | 1.0760% | 109 |
| Net interest margin | 3.7713% | 2,399 |
| Noninterest income to average assets | 3.8107% | 159 |
| Noninterest expense to average assets | 4.6047% | 360 |
| Loan and lease loss provision to assets | 0.3886% | 365 |
| Net operating income to assets | 1.3973% | 1,037 |
| Return on assets (ROA) | 1.3973% | 1,098 |
| Pretax return on assets | 2.2010% | 378 |
| Return on Equity (ROE) | 13.8335% | 866 |
| Retained earnings to average equity (ytd only) | 13.8335% | 331 |
| Net charge-offs to loans | 0.2348% | 872 |
| Credit loss provision to net charge-offs | 198.7654% | 1,090 |
| Earnings coverage of net charge-offs (x) | 13.2469% | 1,746 |
| Efficiency ratio | 63.7370% | 4,165 |
| Assets per employee ($millions) | 2.9249% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 2,596 |
| Loan loss allowance to noncurrent loans | 56.7279% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 4.0921% | 241 |
| Noncurrent loans to loans | 2.4019% | 805 |
| Net loans and leases to total assets | 81.6779% | 605 |
| Net loans and leases to deposits | 98.4531% | 723 |
| Net loans and leases to core deposits | 135.5335% | 215 |
| Total domestic deposits to total assets | 82.9612% | 3,911 |
| Equity capital to assets | 10.0565% | 4,004 |
| Core capital (leverage) ratio | 9.6845% | 3,932 |
| Tier 1 risk-based capital ratio | 11.5069% | 5,230 |
| Total risk-based capital ratio | 12.7585% | 5,134 |
| Memoranda: | ||
| Average total assets | $165,743,500 | 3,379 |
| Average earning assets | $148,700,500 | 3,439 |
| Average equity | $16,742,000 | 3,626 |
| Average total loans | $138,014,000 | 2,824 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6825% | 1,141 |
| Cost of funding earning assets | 1.0751% | 114 |
| Net interest margin | 3.6074% | 3,100 |
| Noninterest income to average assets | 2.3571% | 284 |
| Noninterest expense to average assets | 4.3484% | 459 |
| Loan and lease loss provision to assets | 0.2238% | 915 |
| Net operating income to assets | 0.6331% | 4,121 |
| Return on assets (ROA) | 0.6670% | 4,056 |
| Pretax return on assets | 1.0715% | 3,182 |
| Return on Equity (ROE) | 6.5280% | 3,765 |
| Retained earnings to average equity (ytd only) | 6.5280% | 1,522 |
| Net charge-offs to loans | 0.1343% | 2,019 |
| Credit loss provision to net charge-offs | 206.5476% | 1,357 |
| Earnings coverage of net charge-offs (x) | 11.4643% | 2,573 |
| Efficiency ratio | 77.3970% | 2,061 |
| Assets per employee ($millions) | 3.1124% | 5,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 2,657 |
| Loan loss allowance to noncurrent loans | 87.8352% | 3,947 |
| Noncurrent assets plus other real estate owned to assets | 3.3878% | 357 |
| Noncurrent loans to loans | 1.5403% | 1,499 |
| Net loans and leases to total assets | 82.6223% | 532 |
| Net loans and leases to deposits | 102.7288% | 501 |
| Net loans and leases to core deposits | 132.0170% | 242 |
| Total domestic deposits to total assets | 80.4276% | 4,633 |
| Equity capital to assets | 10.1480% | 3,808 |
| Core capital (leverage) ratio | 9.6752% | 3,938 |
| Tier 1 risk-based capital ratio | 11.3518% | 5,344 |
| Total risk-based capital ratio | 12.6023% | 5,239 |
| Memoranda: | ||
| Average total assets | $155,022,600 | 3,492 |
| Average earning assets | $138,963,200 | 3,551 |
| Average equity | $15,839,400 | 3,703 |
| Average total loans | $125,105,800 | 2,969 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6522% | 1,201 |
| Cost of funding earning assets | 1.0853% | 115 |
| Net interest margin | 3.5669% | 3,281 |
| Noninterest income to average assets | 2.3741% | 281 |
| Noninterest expense to average assets | 4.3464% | 460 |
| Loan and lease loss provision to assets | 0.3018% | 485 |
| Net operating income to assets | 0.5901% | 4,432 |
| Return on assets (ROA) | 0.6357% | 4,321 |
| Pretax return on assets | 0.9870% | 3,662 |
| Return on Equity (ROE) | 6.2106% | 4,048 |
| Retained earnings to average equity (ytd only) | 6.2106% | 2,112 |
| Net charge-offs to loans | 0.0152% | 3,650 |
| Credit loss provision to net charge-offs | 2,478.5714% | 146 |
| Earnings coverage of net charge-offs (x) | 99.9796% | 630 |
| Efficiency ratio | 77.7274% | 1,983 |
| Assets per employee ($millions) | 3.1349% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4933% | 2,188 |
| Loan loss allowance to noncurrent loans | 76.0811% | 4,257 |
| Noncurrent assets plus other real estate owned to assets | 3.9854% | 301 |
| Noncurrent loans to loans | 1.9627% | 1,187 |
| Net loans and leases to total assets | 82.0255% | 576 |
| Net loans and leases to deposits | 103.5198% | 471 |
| Net loans and leases to core deposits | 124.0801% | 372 |
| Total domestic deposits to total assets | 79.2366% | 4,923 |
| Equity capital to assets | 10.1081% | 4,043 |
| Core capital (leverage) ratio | 9.7832% | 3,923 |
| Tier 1 risk-based capital ratio | 11.3334% | 5,474 |
| Total risk-based capital ratio | 12.5862% | 5,379 |
| Memoranda: | ||
| Average total assets | $153,317,000 | 3,548 |
| Average earning assets | $137,107,500 | 3,610 |
| Average equity | $15,693,250 | 3,765 |
| Average total loans | $122,493,750 | 3,036 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5785% | 1,326 |
| Cost of funding earning assets | 1.0931% | 100 |
| Net interest margin | 3.4854% | 3,559 |
| Noninterest income to average assets | 1.6754% | 476 |
| Noninterest expense to average assets | 4.1872% | 555 |
| Loan and lease loss provision to assets | 0.1085% | 2,019 |
| Net operating income to assets | 0.3216% | 5,382 |
| Return on assets (ROA) | 0.3216% | 5,474 |
| Pretax return on assets | 0.4896% | 5,258 |
| Return on Equity (ROE) | 3.1280% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.1280% | 4,060 |
| Net charge-offs to loans | -0.0723% | 5,675 |
| Credit loss provision to net charge-offs | -190.6977% | 5,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0299% | 976 |
| Assets per employee ($millions) | 2.9968% | 5,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 2,440 |
| Loan loss allowance to noncurrent loans | 94.1301% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 3.8728% | 350 |
| Noncurrent loans to loans | 1.5543% | 1,703 |
| Net loans and leases to total assets | 78.4409% | 1,010 |
| Net loans and leases to deposits | 96.4955% | 910 |
| Net loans and leases to core deposits | 115.3593% | 613 |
| Total domestic deposits to total assets | 81.2897% | 4,522 |
| Equity capital to assets | 10.2384% | 3,767 |
| Core capital (leverage) ratio | 9.6852% | 4,020 |
| Tier 1 risk-based capital ratio | 11.5390% | 5,437 |
| Total risk-based capital ratio | 12.7927% | 5,356 |
| Memoranda: | ||
| Average total assets | $151,128,670 | 3,613 |
| Average earning assets | $134,849,000 | 3,684 |
| Average equity | $15,537,330 | 3,807 |
| Average total loans | $118,947,670 | 3,102 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 1,388 |
| Cost of funding earning assets | 1.0861% | 106 |
| Net interest margin | 3.4413% | 3,663 |
| Noninterest income to average assets | 1.5252% | 526 |
| Noninterest expense to average assets | 4.2748% | 514 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2103% | 5,659 |
| Return on assets (ROA) | 0.2103% | 5,751 |
| Pretax return on assets | 0.3034% | 5,644 |
| Return on Equity (ROE) | 2.0411% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.0411% | 4,656 |
| Net charge-offs to loans | -0.1395% | 5,957 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9070% | 655 |
| Assets per employee ($millions) | 3.1259% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4613% | 2,611 |
| Loan loss allowance to noncurrent loans | 101.9231% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 3.8879% | 391 |
| Noncurrent loans to loans | 1.4337% | 1,990 |
| Net loans and leases to total assets | 77.8460% | 952 |
| Net loans and leases to deposits | 95.2599% | 885 |
| Net loans and leases to core deposits | 110.7722% | 713 |
| Total domestic deposits to total assets | 81.7196% | 4,596 |
| Equity capital to assets | 10.5965% | 3,431 |
| Core capital (leverage) ratio | 9.8488% | 3,822 |
| Tier 1 risk-based capital ratio | 12.5005% | 4,904 |
| Total risk-based capital ratio | 13.7523% | 4,809 |
| Memoranda: | ||
| Average total assets | $150,275,000 | 3,648 |
| Average earning assets | $133,321,000 | 3,731 |
| Average equity | $15,482,000 | 3,834 |
| Average total loans | $117,588,500 | 3,134 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 1,683 |
| Cost of funding earning assets | 1.0998% | 133 |
| Net interest margin | 3.4543% | 3,961 |
| Noninterest income to average assets | 2.0277% | 334 |
| Noninterest expense to average assets | 4.1975% | 606 |
| Loan and lease loss provision to assets | 0.6168% | 224 |
| Net operating income to assets | 0.1431% | 5,891 |
| Return on assets (ROA) | 0.1497% | 5,923 |
| Pretax return on assets | 0.2720% | 5,755 |
| Return on Equity (ROE) | 1.4394% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.4394% | 5,119 |
| Net charge-offs to loans | 0.6951% | 534 |
| Credit loss provision to net charge-offs | 117.8478% | 2,034 |
| Earnings coverage of net charge-offs (x) | 1.6785% | 4,360 |
| Efficiency ratio | 82.2463% | 1,635 |
| Assets per employee ($millions) | 3.3398% | 5,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 3,001 |
| Loan loss allowance to noncurrent loans | 65.4409% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 4.5140% | 340 |
| Noncurrent loans to loans | 2.1232% | 1,282 |
| Net loans and leases to total assets | 76.4530% | 1,202 |
| Net loans and leases to deposits | 97.9657% | 761 |
| Net loans and leases to core deposits | 112.8504% | 646 |
| Total domestic deposits to total assets | 78.0405% | 5,431 |
| Equity capital to assets | 10.0213% | 4,089 |
| Core capital (leverage) ratio | 9.4433% | 4,315 |
| Tier 1 risk-based capital ratio | 11.9250% | 5,412 |
| Total risk-based capital ratio | 13.1763% | 5,318 |
| Memoranda: | ||
| Average total assets | $145,585,000 | 3,699 |
| Average earning assets | $128,478,400 | 3,799 |
| Average equity | $15,144,800 | 3,809 |
| Average total loans | $109,620,600 | 3,228 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 1,884 |
| Cost of funding earning assets | 1.1027% | 140 |
| Net interest margin | 3.3934% | 4,266 |
| Noninterest income to average assets | 1.7626% | 421 |
| Noninterest expense to average assets | 4.1576% | 642 |
| Loan and lease loss provision to assets | 0.5265% | 278 |
| Net operating income to assets | 0.0217% | 6,120 |
| Return on assets (ROA) | 0.0223% | 6,140 |
| Pretax return on assets | 0.0743% | 6,089 |
| Return on Equity (ROE) | 0.2122% | 6,133 |
| Retained earnings to average equity (ytd only) | 0.2122% | 5,739 |
| Net charge-offs to loans | 0.8615% | 383 |
| Credit loss provision to net charge-offs | 81.8182% | 2,559 |
| Earnings coverage of net charge-offs (x) | 0.9322% | 4,272 |
| Efficiency ratio | 86.9022% | 1,101 |
| Assets per employee ($millions) | 3.2571% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 4,111 |
| Loan loss allowance to noncurrent loans | 68.2174% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 3.9552% | 507 |
| Noncurrent loans to loans | 1.7937% | 1,807 |
| Net loans and leases to total assets | 75.0532% | 1,357 |
| Net loans and leases to deposits | 91.7502% | 1,252 |
| Net loans and leases to core deposits | 105.0444% | 1,025 |
| Total domestic deposits to total assets | 81.8017% | 4,548 |
| Equity capital to assets | 10.0916% | 4,060 |
| Core capital (leverage) ratio | 9.1541% | 4,847 |
| Tier 1 risk-based capital ratio | 12.3785% | 5,245 |
| Total risk-based capital ratio | 13.5932% | 5,201 |
| Memoranda: | ||
| Average total assets | $143,573,000 | 3,767 |
| Average earning assets | $126,714,000 | 3,862 |
| Average equity | $15,082,000 | 3,837 |
| Average total loans | $107,247,750 | 3,301 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4733% | 1,919 |
| Cost of funding earning assets | 1.1047% | 146 |
| Net interest margin | 3.3685% | 4,318 |
| Noninterest income to average assets | 1.7288% | 436 |
| Noninterest expense to average assets | 4.1403% | 638 |
| Loan and lease loss provision to assets | 0.1640% | 1,506 |
| Net operating income to assets | 0.2620% | 5,684 |
| Return on assets (ROA) | 0.2629% | 5,758 |
| Pretax return on assets | 0.4000% | 5,560 |
| Return on Equity (ROE) | 2.4686% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.4686% | 4,634 |
| Net charge-offs to loans | 0.5217% | 778 |
| Credit loss provision to net charge-offs | 42.3358% | 2,892 |
| Earnings coverage of net charge-offs (x) | 1.4526% | 3,799 |
| Efficiency ratio | 87.5263% | 1,127 |
| Assets per employee ($millions) | 3.0809% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 3,868 |
| Loan loss allowance to noncurrent loans | 65.4957% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 4.3386% | 456 |
| Noncurrent loans to loans | 1.9792% | 1,706 |
| Net loans and leases to total assets | 70.0786% | 2,072 |
| Net loans and leases to deposits | 84.9625% | 1,934 |
| Net loans and leases to core deposits | 96.1613% | 1,586 |
| Total domestic deposits to total assets | 82.4819% | 4,479 |
| Equity capital to assets | 10.3536% | 3,617 |
| Core capital (leverage) ratio | 9.7956% | 3,894 |
| Tier 1 risk-based capital ratio | 13.0070% | 4,908 |
| Total risk-based capital ratio | 14.2501% | 4,850 |
| Memoranda: | ||
| Average total assets | $141,488,330 | 3,825 |
| Average earning assets | $124,920,330 | 3,912 |
| Average equity | $15,069,330 | 3,843 |
| Average total loans | $105,049,330 | 3,357 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 1,742 |
| Cost of funding earning assets | 1.1030% | 160 |
| Net interest margin | 3.4183% | 4,033 |
| Noninterest income to average assets | 1.4086% | 586 |
| Noninterest expense to average assets | 4.1217% | 661 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2209% | 5,742 |
| Return on assets (ROA) | 0.2227% | 5,790 |
| Pretax return on assets | 0.3644% | 5,559 |
| Return on Equity (ROE) | 2.0604% | 5,769 |
| Retained earnings to average equity (ytd only) | 2.0604% | 4,781 |
| Net charge-offs to loans | -0.0152% | 5,214 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4194% | 918 |
| Assets per employee ($millions) | 2.9640% | 5,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 3,344 |
| Loan loss allowance to noncurrent loans | 51.9264% | 5,112 |
| Noncurrent assets plus other real estate owned to assets | 3.9266% | 618 |
| Noncurrent loans to loans | 2.8058% | 1,187 |
| Net loans and leases to total assets | 73.9433% | 1,273 |
| Net loans and leases to deposits | 90.5367% | 1,090 |
| Net loans and leases to core deposits | 102.2270% | 972 |
| Total domestic deposits to total assets | 81.6723% | 5,035 |
| Equity capital to assets | 10.7991% | 2,940 |
| Core capital (leverage) ratio | 10.0059% | 3,568 |
| Tier 1 risk-based capital ratio | 13.6375% | 4,590 |
| Total risk-based capital ratio | 14.8907% | 4,540 |
| Memoranda: | ||
| Average total assets | $138,292,000 | 3,916 |
| Average earning assets | $124,388,000 | 3,954 |
| Average equity | $14,948,500 | 3,871 |
| Average total loans | $105,077,000 | 3,364 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4646% | 2,343 |
| Cost of funding earning assets | 1.2621% | 132 |
| Net interest margin | 3.2024% | 4,992 |
| Noninterest income to average assets | 1.0674% | 1,239 |
| Noninterest expense to average assets | 3.4615% | 1,747 |
| Loan and lease loss provision to assets | 0.7330% | 303 |
| Net operating income to assets | -0.1453% | 6,337 |
| Return on assets (ROA) | -0.1364% | 6,347 |
| Pretax return on assets | -0.2168% | 6,364 |
| Return on Equity (ROE) | -1.2732% | 6,342 |
| Retained earnings to average equity (ytd only) | -2.2852% | 6,202 |
| Net charge-offs to loans | 1.3074% | 386 |
| Credit loss provision to net charge-offs | 73.4408% | 3,217 |
| Earnings coverage of net charge-offs (x) | 0.5032% | 4,911 |
| Efficiency ratio | 86.7478% | 1,343 |
| Assets per employee ($millions) | 3.0506% | 5,760 |
| Cash dividends to net income (ytd only)* | -79.4872% | 6,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 3,476 |
| Loan loss allowance to noncurrent loans | 33.0433% | 5,856 |
| Noncurrent assets plus other real estate owned to assets | 4.7299% | 512 |
| Noncurrent loans to loans | 4.3523% | 623 |
| Net loans and leases to total assets | 75.8348% | 1,097 |
| Net loans and leases to deposits | 93.3776% | 922 |
| Net loans and leases to core deposits | 105.1694% | 841 |
| Total domestic deposits to total assets | 81.2130% | 5,117 |
| Equity capital to assets | 10.8198% | 2,798 |
| Core capital (leverage) ratio | 9.8157% | 3,822 |
| Tier 1 risk-based capital ratio | 13.6332% | 4,563 |
| Total risk-based capital ratio | 14.8860% | 4,507 |
| Memoranda: | ||
| Average total assets | $142,970,800 | 3,830 |
| Average earning assets | $129,307,400 | 3,859 |
| Average equity | $15,315,800 | 3,809 |
| Average total loans | $109,150,000 | 3,260 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 2,551 |
| Cost of funding earning assets | 1.3081% | 116 |
| Net interest margin | 3.1052% | 5,305 |
| Noninterest income to average assets | 1.1164% | 1,176 |
| Noninterest expense to average assets | 3.4710% | 1,672 |
| Loan and lease loss provision to assets | 0.3306% | 1,000 |
| Net operating income to assets | 0.0704% | 6,189 |
| Return on assets (ROA) | 0.0822% | 6,222 |
| Pretax return on assets | 0.1302% | 6,171 |
| Return on Equity (ROE) | 0.7689% | 6,218 |
| Retained earnings to average equity (ytd only) | -0.5703% | 6,059 |
| Net charge-offs to loans | 0.9342% | 617 |
| Credit loss provision to net charge-offs | 46.4332% | 3,588 |
| Earnings coverage of net charge-offs (x) | 0.6213% | 4,649 |
| Efficiency ratio | 88.1076% | 1,162 |
| Assets per employee ($millions) | 3.3676% | 5,136 |
| Cash dividends to net income (ytd only)* | 174.1615% | 91 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 4,108 |
| Loan loss allowance to noncurrent loans | 21.3209% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 6.0124% | 403 |
| Noncurrent loans to loans | 6.3521% | 374 |
| Net loans and leases to total assets | 76.4727% | 941 |
| Net loans and leases to deposits | 95.3617% | 738 |
| Net loans and leases to core deposits | 107.4431% | 689 |
| Total domestic deposits to total assets | 80.1923% | 5,460 |
| Equity capital to assets | 10.7968% | 2,956 |
| Core capital (leverage) ratio | 9.9627% | 3,726 |
| Tier 1 risk-based capital ratio | 13.4007% | 4,840 |
| Total risk-based capital ratio | 14.6526% | 4,776 |
| Memoranda: | ||
| Average total assets | $144,394,500 | 3,839 |
| Average earning assets | $130,058,750 | 3,881 |
| Average equity | $15,431,500 | 3,840 |
| Average total loans | $110,032,000 | 3,268 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3995% | 2,563 |
| Cost of funding earning assets | 1.3223% | 126 |
| Net interest margin | 3.0772% | 5,343 |
| Noninterest income to average assets | 1.2436% | 1,007 |
| Noninterest expense to average assets | 3.5067% | 1,589 |
| Loan and lease loss provision to assets | 0.3205% | 1,090 |
| Net operating income to assets | 0.1128% | 6,106 |
| Return on assets (ROA) | 0.1128% | 6,196 |
| Pretax return on assets | 0.1761% | 6,114 |
| Return on Equity (ROE) | 1.0591% | 6,198 |
| Retained earnings to average equity (ytd only) | 0.1550% | 5,808 |
| Net charge-offs to loans | 0.6100% | 1,086 |
| Credit loss provision to net charge-offs | 69.3452% | 2,838 |
| Earnings coverage of net charge-offs (x) | 1.0744% | 4,173 |
| Efficiency ratio | 87.0103% | 1,318 |
| Assets per employee ($millions) | 3.6053% | 4,611 |
| Cash dividends to net income (ytd only)* | 85.3659% | 775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6346% | 3,028 |
| Loan loss allowance to noncurrent loans | 22.6470% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 6.6583% | 360 |
| Noncurrent loans to loans | 7.2179% | 321 |
| Net loans and leases to total assets | 74.9019% | 1,120 |
| Net loans and leases to deposits | 91.1558% | 1,039 |
| Net loans and leases to core deposits | 101.9365% | 942 |
| Total domestic deposits to total assets | 82.1691% | 4,996 |
| Equity capital to assets | 10.5742% | 3,201 |
| Core capital (leverage) ratio | 9.8373% | 3,740 |
| Tier 1 risk-based capital ratio | 14.0347% | 4,397 |
| Total risk-based capital ratio | 15.2908% | 4,353 |
| Memoranda: | ||
| Average total assets | $145,379,330 | 3,852 |
| Average earning assets | $130,379,670 | 3,897 |
| Average equity | $15,485,000 | 3,860 |
| Average total loans | $110,160,000 | 3,270 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 2,338 |
| Cost of funding earning assets | 1.3121% | 146 |
| Net interest margin | 3.1411% | 5,123 |
| Noninterest income to average assets | 1.1016% | 1,218 |
| Noninterest expense to average assets | 3.3597% | 1,930 |
| Loan and lease loss provision to assets | 0.3700% | 866 |
| Net operating income to assets | 0.1178% | 6,117 |
| Return on assets (ROA) | 0.1178% | 6,210 |
| Pretax return on assets | 0.1863% | 6,103 |
| Return on Equity (ROE) | 1.1024% | 6,198 |
| Retained earnings to average equity (ytd only) | -0.6922% | 5,913 |
| Net charge-offs to loans | -0.0689% | 6,269 |
| Credit loss provision to net charge-offs | -710.5263% | 5,561 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2344% | 1,619 |
| Assets per employee ($millions) | 3.8504% | 4,253 |
| Cash dividends to net income (ytd only)* | 162.7907% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8647% | 2,400 |
| Loan loss allowance to noncurrent loans | 34.7620% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 4.6570% | 802 |
| Noncurrent loans to loans | 5.3641% | 690 |
| Net loans and leases to total assets | 73.8094% | 1,103 |
| Net loans and leases to deposits | 92.1742% | 788 |
| Net loans and leases to core deposits | 101.8878% | 831 |
| Total domestic deposits to total assets | 80.0760% | 5,737 |
| Equity capital to assets | 10.6646% | 3,358 |
| Core capital (leverage) ratio | 10.1477% | 3,220 |
| Tier 1 risk-based capital ratio | 14.0954% | 4,436 |
| Total risk-based capital ratio | 15.3545% | 4,384 |
| Memoranda: | ||
| Average total assets | $145,964,000 | 3,881 |
| Average earning assets | $130,783,000 | 3,923 |
| Average equity | $15,603,000 | 3,890 |
| Average total loans | $110,334,500 | 3,278 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 2,355 |
| Cost of funding earning assets | 1.4469% | 208 |
| Net interest margin | 3.3147% | 5,203 |
| Noninterest income to average assets | 1.1003% | 1,281 |
| Noninterest expense to average assets | 3.2706% | 2,423 |
| Loan and lease loss provision to assets | 1.5357% | 204 |
| Net operating income to assets | -0.4279% | 6,532 |
| Return on assets (ROA) | -0.4111% | 6,567 |
| Pretax return on assets | -0.6703% | 6,647 |
| Return on Equity (ROE) | -3.8063% | 6,542 |
| Retained earnings to average equity (ytd only) | -5.0438% | 6,427 |
| Net charge-offs to loans | 1.9175% | 393 |
| Credit loss provision to net charge-offs | 106.7574% | 2,778 |
| Earnings coverage of net charge-offs (x) | 0.5833% | 5,196 |
| Efficiency ratio | 79.0407% | 2,268 |
| Assets per employee ($millions) | 3.8319% | 4,307 |
| Cash dividends to net income (ytd only)* | -32.5123% | 7,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7158% | 2,878 |
| Loan loss allowance to noncurrent loans | 50.4922% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 3.3177% | 1,384 |
| Noncurrent loans to loans | 3.3981% | 1,483 |
| Net loans and leases to total assets | 74.6669% | 1,101 |
| Net loans and leases to deposits | 95.7912% | 628 |
| Net loans and leases to core deposits | 102.9583% | 838 |
| Total domestic deposits to total assets | 77.9476% | 6,089 |
| Equity capital to assets | 10.7148% | 3,264 |
| Core capital (leverage) ratio | 9.9569% | 3,455 |
| Tier 1 risk-based capital ratio | 14.0541% | 4,344 |
| Total risk-based capital ratio | 15.3108% | 4,296 |
| Memoranda: | ||
| Average total assets | $148,140,200 | 3,805 |
| Average earning assets | $134,491,800 | 3,816 |
| Average equity | $16,000,000 | 3,775 |
| Average total loans | $111,134,800 | 3,272 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8260% | 2,290 |
| Cost of funding earning assets | 1.4766% | 228 |
| Net interest margin | 3.3494% | 5,216 |
| Noninterest income to average assets | 1.2188% | 1,004 |
| Noninterest expense to average assets | 3.4333% | 1,921 |
| Loan and lease loss provision to assets | 0.2420% | 2,632 |
| Net operating income to assets | 0.3684% | 5,380 |
| Return on assets (ROA) | 0.3907% | 5,498 |
| Pretax return on assets | 0.6175% | 5,116 |
| Return on Equity (ROE) | 3.6108% | 5,447 |
| Retained earnings to average equity (ytd only) | 3.6108% | 4,338 |
| Net charge-offs to loans | 0.4542% | 2,287 |
| Credit loss provision to net charge-offs | 71.2401% | 3,875 |
| Earnings coverage of net charge-offs (x) | 2.4275% | 4,069 |
| Efficiency ratio | 80.1095% | 2,082 |
| Assets per employee ($millions) | 4.0355% | 3,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4936% | 3,980 |
| Loan loss allowance to noncurrent loans | 26.3200% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 4.6042% | 996 |
| Noncurrent loans to loans | 5.6749% | 747 |
| Net loans and leases to total assets | 74.6763% | 1,148 |
| Net loans and leases to deposits | 96.6426% | 622 |
| Net loans and leases to core deposits | 104.4932% | 844 |
| Total domestic deposits to total assets | 77.2706% | 6,196 |
| Equity capital to assets | 11.6603% | 2,583 |
| Core capital (leverage) ratio | 10.6268% | 2,774 |
| Tier 1 risk-based capital ratio | 15.3065% | 3,644 |
| Total risk-based capital ratio | 16.5609% | 3,595 |
| Memoranda: | ||
| Average total assets | $148,772,250 | 3,841 |
| Average earning assets | $134,987,250 | 3,851 |
| Average equity | $16,099,500 | 3,802 |
| Average total loans | $111,263,000 | 3,297 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 2,498 |
| Cost of funding earning assets | 1.5085% | 235 |
| Net interest margin | 3.2942% | 5,450 |
| Noninterest income to average assets | 1.2379% | 932 |
| Noninterest expense to average assets | 3.4588% | 1,882 |
| Loan and lease loss provision to assets | 0.2401% | 2,663 |
| Net operating income to assets | 0.3269% | 5,513 |
| Return on assets (ROA) | 0.3602% | 5,601 |
| Pretax return on assets | 0.5709% | 5,246 |
| Return on Equity (ROE) | 3.4135% | 5,521 |
| Retained earnings to average equity (ytd only) | 3.4135% | 4,327 |
| Net charge-offs to loans | 0.4210% | 2,350 |
| Credit loss provision to net charge-offs | 76.5957% | 3,415 |
| Earnings coverage of net charge-offs (x) | 2.4213% | 3,789 |
| Efficiency ratio | 81.4674% | 1,969 |
| Assets per employee ($millions) | 3.8043% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5432% | 3,812 |
| Loan loss allowance to noncurrent loans | 20.3349% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 5.9306% | 723 |
| Noncurrent loans to loans | 7.5891% | 473 |
| Net loans and leases to total assets | 73.1012% | 1,382 |
| Net loans and leases to deposits | 93.6387% | 804 |
| Net loans and leases to core deposits | 102.2359% | 967 |
| Total domestic deposits to total assets | 78.0672% | 6,146 |
| Equity capital to assets | 11.2350% | 2,857 |
| Core capital (leverage) ratio | 10.4268% | 2,884 |
| Tier 1 risk-based capital ratio | 14.7796% | 3,907 |
| Total risk-based capital ratio | 16.0334% | 3,874 |
| Memoranda: | ||
| Average total assets | $149,936,670 | 3,835 |
| Average earning assets | $135,632,330 | 3,856 |
| Average equity | $15,819,330 | 3,833 |
| Average total loans | $111,639,330 | 3,296 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8630% | 2,385 |
| Cost of funding earning assets | 1.5401% | 240 |
| Net interest margin | 3.3230% | 5,395 |
| Noninterest income to average assets | 1.3137% | 829 |
| Noninterest expense to average assets | 3.4713% | 1,822 |
| Loan and lease loss provision to assets | 0.2389% | 2,561 |
| Net operating income to assets | 0.3662% | 5,401 |
| Return on assets (ROA) | 0.3662% | 5,582 |
| Pretax return on assets | 0.5812% | 5,178 |
| Return on Equity (ROE) | 3.5857% | 5,469 |
| Retained earnings to average equity (ytd only) | 3.5857% | 4,425 |
| Net charge-offs to loans | 0.6407% | 1,522 |
| Credit loss provision to net charge-offs | 50.0000% | 3,277 |
| Earnings coverage of net charge-offs (x) | 1.7167% | 3,473 |
| Efficiency ratio | 80.3958% | 2,153 |
| Assets per employee ($millions) | 4.2906% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 4,226 |
| Loan loss allowance to noncurrent loans | 23.9218% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 5.1022% | 1,008 |
| Noncurrent loans to loans | 6.2168% | 793 |
| Net loans and leases to total assets | 73.4015% | 1,153 |
| Net loans and leases to deposits | 91.6214% | 827 |
| Net loans and leases to core deposits | 101.0534% | 925 |
| Total domestic deposits to total assets | 80.1139% | 5,829 |
| Equity capital to assets | 10.9762% | 2,932 |
| Core capital (leverage) ratio | 10.2037% | 3,099 |
| Tier 1 risk-based capital ratio | 14.2170% | 4,299 |
| Total risk-based capital ratio | 15.4704% | 4,273 |
| Memoranda: | ||
| Average total assets | $150,721,500 | 3,857 |
| Average earning assets | $135,060,000 | 3,903 |
| Average equity | $15,394,500 | 3,914 |
| Average total loans | $112,380,000 | 3,306 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0127% | 2,821 |
| Cost of funding earning assets | 1.7435% | 269 |
| Net interest margin | 3.2692% | 5,905 |
| Noninterest income to average assets | 1.0366% | 1,265 |
| Noninterest expense to average assets | 3.1505% | 3,026 |
| Loan and lease loss provision to assets | 0.6725% | 1,522 |
| Net operating income to assets | 0.1438% | 5,756 |
| Return on assets (ROA) | 0.1793% | 5,786 |
| Pretax return on assets | 0.2068% | 5,766 |
| Return on Equity (ROE) | 1.8703% | 5,710 |
| Retained earnings to average equity (ytd only) | 0.4885% | 5,607 |
| Net charge-offs to loans | 0.7840% | 2,198 |
| Credit loss provision to net charge-offs | 120.6483% | 2,636 |
| Earnings coverage of net charge-offs (x) | 1.5042% | 4,645 |
| Efficiency ratio | 78.4264% | 2,537 |
| Assets per employee ($millions) | 3.7818% | 4,361 |
| Cash dividends to net income (ytd only)* | 73.8806% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,781 |
| Loan loss allowance to noncurrent loans | 29.6635% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 4.5031% | 1,219 |
| Noncurrent loans to loans | 5.2388% | 1,041 |
| Net loans and leases to total assets | 73.4533% | 1,363 |
| Net loans and leases to deposits | 89.8930% | 1,168 |
| Net loans and leases to core deposits | 98.8471% | 1,273 |
| Total domestic deposits to total assets | 81.7119% | 5,225 |
| Equity capital to assets | 9.4571% | 4,949 |
| Core capital (leverage) ratio | 8.8035% | 5,096 |
| Tier 1 risk-based capital ratio | 12.0798% | 5,774 |
| Total risk-based capital ratio | 13.3342% | 5,756 |
| Memoranda: | ||
| Average total assets | $149,435,400 | 3,813 |
| Average earning assets | $134,957,000 | 3,840 |
| Average equity | $14,329,200 | 4,044 |
| Average total loans | $106,252,400 | 3,464 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0823% | 2,697 |
| Cost of funding earning assets | 1.7943% | 266 |
| Net interest margin | 3.2879% | 5,894 |
| Noninterest income to average assets | 0.9970% | 1,349 |
| Noninterest expense to average assets | 3.1414% | 3,021 |
| Loan and lease loss provision to assets | 0.3490% | 2,783 |
| Net operating income to assets | 0.3025% | 5,385 |
| Return on assets (ROA) | 0.3374% | 5,434 |
| Pretax return on assets | 0.5361% | 5,019 |
| Return on Equity (ROE) | 3.5065% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.5065% | 4,246 |
| Net charge-offs to loans | 0.2651% | 3,783 |
| Credit loss provision to net charge-offs | 187.5000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 4.4615% | 3,065 |
| Efficiency ratio | 78.5264% | 2,477 |
| Assets per employee ($millions) | 3.7304% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 3,654 |
| Loan loss allowance to noncurrent loans | 29.1453% | 6,303 |
| Noncurrent assets plus other real estate owned to assets | 4.5381% | 1,317 |
| Noncurrent loans to loans | 5.4983% | 1,078 |
| Net loans and leases to total assets | 70.7776% | 1,932 |
| Net loans and leases to deposits | 86.6815% | 1,591 |
| Net loans and leases to core deposits | 95.1951% | 1,680 |
| Total domestic deposits to total assets | 81.6526% | 5,208 |
| Equity capital to assets | 9.5778% | 4,965 |
| Core capital (leverage) ratio | 9.0112% | 4,906 |
| Tier 1 risk-based capital ratio | 12.4110% | 5,568 |
| Total risk-based capital ratio | 13.6651% | 5,556 |
| Memoranda: | ||
| Average total assets | $148,976,000 | 3,842 |
| Average earning assets | $134,792,250 | 3,871 |
| Average equity | $14,335,000 | 4,070 |
| Average total loans | $104,598,250 | 3,531 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0961% | 2,703 |
| Cost of funding earning assets | 1.8457% | 264 |
| Net interest margin | 3.2505% | 6,003 |
| Noninterest income to average assets | 0.9956% | 1,335 |
| Noninterest expense to average assets | 3.1899% | 2,938 |
| Loan and lease loss provision to assets | 0.2167% | 3,755 |
| Net operating income to assets | 0.3359% | 5,228 |
| Return on assets (ROA) | 0.3359% | 5,362 |
| Pretax return on assets | 0.5350% | 4,953 |
| Return on Equity (ROE) | 3.4855% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.4855% | 4,033 |
| Net charge-offs to loans | 0.4008% | 2,955 |
| Credit loss provision to net charge-offs | 77.6699% | 3,841 |
| Earnings coverage of net charge-offs (x) | 2.6942% | 3,491 |
| Efficiency ratio | 80.3436% | 2,330 |
| Assets per employee ($millions) | 4.1724% | 3,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 4,363 |
| Loan loss allowance to noncurrent loans | 43.6824% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 2.8621% | 2,345 |
| Noncurrent loans to loans | 3.3106% | 2,158 |
| Net loans and leases to total assets | 69.6432% | 2,291 |
| Net loans and leases to deposits | 85.6657% | 1,832 |
| Net loans and leases to core deposits | 94.3044% | 1,861 |
| Total domestic deposits to total assets | 81.2965% | 5,426 |
| Equity capital to assets | 9.7159% | 4,516 |
| Core capital (leverage) ratio | 9.0975% | 4,571 |
| Tier 1 risk-based capital ratio | 12.4920% | 5,351 |
| Total risk-based capital ratio | 13.7442% | 5,327 |
| Memoranda: | ||
| Average total assets | $147,652,000 | 3,888 |
| Average earning assets | $133,827,330 | 3,912 |
| Average equity | $14,230,330 | 4,079 |
| Average total loans | $102,792,330 | 3,613 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 3,221 |
| Cost of funding earning assets | 1.8855% | 268 |
| Net interest margin | 3.0894% | 6,375 |
| Noninterest income to average assets | 1.2243% | 844 |
| Noninterest expense to average assets | 3.4787% | 2,063 |
| Loan and lease loss provision to assets | 0.0820% | 4,974 |
| Net operating income to assets | 0.3006% | 5,395 |
| Return on assets (ROA) | 0.3006% | 5,464 |
| Pretax return on assets | 0.4755% | 5,099 |
| Return on Equity (ROE) | 3.1320% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.1320% | 4,292 |
| Net charge-offs to loans | 0.8149% | 1,602 |
| Credit loss provision to net charge-offs | 14.5631% | 4,334 |
| Earnings coverage of net charge-offs (x) | 0.9903% | 3,917 |
| Efficiency ratio | 85.6466% | 1,755 |
| Assets per employee ($millions) | 3.9551% | 3,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 4,846 |
| Loan loss allowance to noncurrent loans | 40.8312% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 3.0785% | 2,237 |
| Noncurrent loans to loans | 3.3360% | 2,251 |
| Net loans and leases to total assets | 69.5267% | 2,216 |
| Net loans and leases to deposits | 85.7629% | 1,768 |
| Net loans and leases to core deposits | 94.4155% | 1,845 |
| Total domestic deposits to total assets | 81.0685% | 5,635 |
| Equity capital to assets | 9.6619% | 4,235 |
| Core capital (leverage) ratio | 9.1502% | 4,375 |
| Tier 1 risk-based capital ratio | 12.6830% | 5,086 |
| Total risk-based capital ratio | 13.9338% | 5,061 |
| Memoranda: | ||
| Average total assets | $146,374,500 | 3,947 |
| Average earning assets | $133,229,500 | 3,949 |
| Average equity | $14,048,500 | 4,105 |
| Average total loans | $101,116,500 | 3,692 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2094% | 3,559 |
| Cost of funding earning assets | 2.1787% | 328 |
| Net interest margin | 3.0307% | 6,680 |
| Noninterest income to average assets | 0.8784% | 1,929 |
| Noninterest expense to average assets | 2.9222% | 4,136 |
| Loan and lease loss provision to assets | 0.3596% | 3,966 |
| Net operating income to assets | 0.2180% | 5,223 |
| Return on assets (ROA) | 0.2940% | 5,121 |
| Pretax return on assets | 0.4671% | 4,737 |
| Return on Equity (ROE) | 3.2727% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.2727% | 3,578 |
| Net charge-offs to loans | 0.3404% | 4,312 |
| Credit loss provision to net charge-offs | 149.2754% | 2,433 |
| Earnings coverage of net charge-offs (x) | 2.9391% | 3,602 |
| Efficiency ratio | 79.8615% | 2,435 |
| Assets per employee ($millions) | 4.4367% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 3,590 |
| Loan loss allowance to noncurrent loans | 45.8418% | 5,260 |
| Noncurrent assets plus other real estate owned to assets | 3.3351% | 2,115 |
| Noncurrent loans to loans | 3.4829% | 2,173 |
| Net loans and leases to total assets | 66.5947% | 3,333 |
| Net loans and leases to deposits | 81.9916% | 2,808 |
| Net loans and leases to core deposits | 90.5387% | 2,685 |
| Total domestic deposits to total assets | 81.2214% | 5,447 |
| Equity capital to assets | 9.5334% | 4,363 |
| Core capital (leverage) ratio | 9.1106% | 4,341 |
| Tier 1 risk-based capital ratio | 12.8423% | 4,736 |
| Total risk-based capital ratio | 14.0954% | 4,700 |
| Memoranda: | ||
| Average total assets | $143,213,200 | 4,002 |
| Average earning assets | $130,034,400 | 4,016 |
| Average equity | $12,863,800 | 4,384 |
| Average total loans | $101,366,000 | 3,753 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 3,298 |
| Cost of funding earning assets | 2.2373% | 338 |
| Net interest margin | 3.0729% | 6,676 |
| Noninterest income to average assets | 0.7705% | 2,383 |
| Noninterest expense to average assets | 2.8030% | 4,477 |
| Loan and lease loss provision to assets | 0.0590% | 6,479 |
| Net operating income to assets | 0.4363% | 4,599 |
| Return on assets (ROA) | 0.4363% | 4,779 |
| Pretax return on assets | 0.6937% | 4,250 |
| Return on Equity (ROE) | 4.9349% | 4,320 |
| Retained earnings to average equity (ytd only) | 4.9349% | 3,035 |
| Net charge-offs to loans | 0.1269% | 5,285 |
| Credit loss provision to net charge-offs | 64.9485% | 5,565 |
| Earnings coverage of net charge-offs (x) | 8.2886% | 2,183 |
| Efficiency ratio | 78.1727% | 2,606 |
| Assets per employee ($millions) | 4.2545% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3742% | 4,604 |
| Loan loss allowance to noncurrent loans | 38.5930% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 3.4891% | 2,044 |
| Noncurrent loans to loans | 3.5607% | 2,202 |
| Net loans and leases to total assets | 68.3212% | 3,135 |
| Net loans and leases to deposits | 83.6646% | 2,761 |
| Net loans and leases to core deposits | 93.1909% | 2,633 |
| Total domestic deposits to total assets | 81.6608% | 5,144 |
| Equity capital to assets | 8.9228% | 5,678 |
| Core capital (leverage) ratio | 8.1588% | 6,099 |
| Tier 1 risk-based capital ratio | 11.3262% | 6,076 |
| Total risk-based capital ratio | 12.5772% | 6,072 |
| Memoranda: | ||
| Average total assets | $142,413,750 | 4,069 |
| Average earning assets | $129,080,500 | 4,086 |
| Average equity | $12,590,250 | 4,530 |
| Average total loans | $101,936,500 | 3,803 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3476% | 3,227 |
| Cost of funding earning assets | 2.2959% | 340 |
| Net interest margin | 3.0518% | 6,714 |
| Noninterest income to average assets | 0.8781% | 1,767 |
| Noninterest expense to average assets | 2.8080% | 4,451 |
| Loan and lease loss provision to assets | 0.0593% | 6,363 |
| Net operating income to assets | 0.4828% | 4,400 |
| Return on assets (ROA) | 0.4828% | 4,560 |
| Pretax return on assets | 0.7694% | 3,987 |
| Return on Equity (ROE) | 5.4787% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.4787% | 2,625 |
| Net charge-offs to loans | 0.0351% | 5,862 |
| Credit loss provision to net charge-offs | 233.3333% | 1,651 |
| Earnings coverage of net charge-offs (x) | 32.6111% | 863 |
| Efficiency ratio | 76.5528% | 2,973 |
| Assets per employee ($millions) | 4.8367% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 4,291 |
| Loan loss allowance to noncurrent loans | 36.6258% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 3.7595% | 1,859 |
| Noncurrent loans to loans | 3.9017% | 1,957 |
| Net loans and leases to total assets | 68.2178% | 3,309 |
| Net loans and leases to deposits | 83.6155% | 2,948 |
| Net loans and leases to core deposits | 92.5344% | 2,915 |
| Total domestic deposits to total assets | 81.5851% | 5,159 |
| Equity capital to assets | 8.8456% | 5,674 |
| Core capital (leverage) ratio | 8.1725% | 5,992 |
| Tier 1 risk-based capital ratio | 11.2542% | 5,992 |
| Total risk-based capital ratio | 12.5056% | 5,975 |
| Memoranda: | ||
| Average total assets | $141,667,670 | 4,104 |
| Average earning assets | $128,057,000 | 4,133 |
| Average equity | $12,484,670 | 4,555 |
| Average total loans | $102,513,670 | 3,815 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4076% | 3,000 |
| Cost of funding earning assets | 2.3320% | 387 |
| Net interest margin | 3.0756% | 6,656 |
| Noninterest income to average assets | 0.8689% | 1,741 |
| Noninterest expense to average assets | 2.8267% | 4,386 |
| Loan and lease loss provision to assets | 0.0600% | 6,038 |
| Net operating income to assets | 0.4773% | 4,504 |
| Return on assets (ROA) | 0.4773% | 4,633 |
| Pretax return on assets | 0.7603% | 4,023 |
| Return on Equity (ROE) | 5.4267% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.4267% | 2,912 |
| Net charge-offs to loans | 0.0386% | 5,037 |
| Credit loss provision to net charge-offs | 210.0000% | 1,772 |
| Earnings coverage of net charge-offs (x) | 28.7000% | 898 |
| Efficiency ratio | 76.8809% | 3,078 |
| Assets per employee ($millions) | 4.5631% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 4,520 |
| Loan loss allowance to noncurrent loans | 36.4802% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 3.8733% | 1,780 |
| Noncurrent loans to loans | 3.7817% | 2,095 |
| Net loans and leases to total assets | 71.8614% | 2,491 |
| Net loans and leases to deposits | 88.1303% | 2,199 |
| Net loans and leases to core deposits | 99.9793% | 2,132 |
| Total domestic deposits to total assets | 81.5400% | 5,255 |
| Equity capital to assets | 8.7892% | 5,569 |
| Core capital (leverage) ratio | 8.3157% | 5,711 |
| Tier 1 risk-based capital ratio | 10.8641% | 6,281 |
| Total risk-based capital ratio | 12.1150% | 6,261 |
| Memoranda: | ||
| Average total assets | $139,951,500 | 4,194 |
| Average earning assets | $126,415,500 | 4,232 |
| Average equity | $12,309,500 | 4,634 |
| Average total loans | $103,561,000 | 3,838 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8679% | 2,380 |
| Cost of funding earning assets | 2.8867% | 323 |
| Net interest margin | 2.9812% | 6,694 |
| Noninterest income to average assets | 1.0981% | 1,271 |
| Noninterest expense to average assets | 2.8929% | 4,557 |
| Loan and lease loss provision to assets | 0.4173% | 4,312 |
| Net operating income to assets | 0.3269% | 4,425 |
| Return on assets (ROA) | 0.3269% | 4,513 |
| Pretax return on assets | 0.5189% | 4,134 |
| Return on Equity (ROE) | 3.6797% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.6797% | 2,614 |
| Net charge-offs to loans | 0.1243% | 5,946 |
| Credit loss provision to net charge-offs | 426.1538% | 733 |
| Earnings coverage of net charge-offs (x) | 9.5615% | 1,780 |
| Efficiency ratio | 74.9017% | 3,725 |
| Assets per employee ($millions) | 4.9445% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3561% | 4,451 |
| Loan loss allowance to noncurrent loans | 37.2689% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 3.3125% | 2,069 |
| Noncurrent loans to loans | 3.6387% | 2,071 |
| Net loans and leases to total assets | 74.1343% | 2,243 |
| Net loans and leases to deposits | 91.0475% | 2,037 |
| Net loans and leases to core deposits | 132.7367% | 1,128 |
| Total domestic deposits to total assets | 81.4238% | 5,183 |
| Equity capital to assets | 8.8020% | 5,436 |
| Core capital (leverage) ratio | 8.2733% | 5,666 |
| Tier 1 risk-based capital ratio | 10.5463% | 6,346 |
| Total risk-based capital ratio | 11.7968% | 6,331 |
| Memoranda: | ||
| Average total assets | $132,771,400 | 4,280 |
| Average earning assets | $121,628,800 | 4,273 |
| Average equity | $11,794,600 | 4,797 |
| Average total loans | $104,621,400 | 3,817 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9379% | 2,279 |
| Cost of funding earning assets | 3.0204% | 313 |
| Net interest margin | 2.9176% | 6,814 |
| Noninterest income to average assets | 1.0709% | 1,383 |
| Noninterest expense to average assets | 2.8320% | 4,753 |
| Loan and lease loss provision to assets | 0.1858% | 5,515 |
| Net operating income to assets | 0.3827% | 4,468 |
| Return on assets (ROA) | 0.3827% | 4,571 |
| Pretax return on assets | 0.7319% | 3,757 |
| Return on Equity (ROE) | 4.2973% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.2973% | 2,873 |
| Net charge-offs to loans | 0.0598% | 6,108 |
| Credit loss provision to net charge-offs | 389.3617% | 1,036 |
| Earnings coverage of net charge-offs (x) | 19.2325% | 1,304 |
| Efficiency ratio | 74.8511% | 3,718 |
| Assets per employee ($millions) | 4.3981% | 3,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 5,820 |
| Loan loss allowance to noncurrent loans | 29.3058% | 6,509 |
| Noncurrent assets plus other real estate owned to assets | 3.5007% | 1,900 |
| Noncurrent loans to loans | 3.6994% | 2,017 |
| Net loans and leases to total assets | 77.6542% | 1,643 |
| Net loans and leases to deposits | 96.6376% | 1,496 |
| Net loans and leases to core deposits | 145.4613% | 711 |
| Total domestic deposits to total assets | 80.3561% | 5,311 |
| Equity capital to assets | 9.2388% | 5,101 |
| Core capital (leverage) ratio | 8.4778% | 5,534 |
| Tier 1 risk-based capital ratio | 10.6080% | 6,334 |
| Total risk-based capital ratio | 11.6582% | 6,506 |
| Memoranda: | ||
| Average total assets | $131,352,750 | 4,345 |
| Average earning assets | $120,600,250 | 4,334 |
| Average equity | $11,696,750 | 4,866 |
| Average total loans | $104,765,000 | 3,860 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8715% | 2,708 |
| Cost of funding earning assets | 3.0950% | 355 |
| Net interest margin | 2.7765% | 7,060 |
| Noninterest income to average assets | 1.0735% | 1,376 |
| Noninterest expense to average assets | 2.8287% | 4,830 |
| Loan and lease loss provision to assets | 0.1845% | 5,182 |
| Net operating income to assets | 0.3080% | 4,858 |
| Return on assets (ROA) | 0.3080% | 4,974 |
| Pretax return on assets | 0.6130% | 4,290 |
| Return on Equity (ROE) | 3.5032% | 4,711 |
| Retained earnings to average equity (ytd only) | 3.5032% | 3,361 |
| Net charge-offs to loans | 0.1046% | 5,115 |
| Credit loss provision to net charge-offs | 220.0000% | 2,091 |
| Earnings coverage of net charge-offs (x) | 9.5091% | 2,119 |
| Efficiency ratio | 77.2918% | 3,457 |
| Assets per employee ($millions) | 4.4070% | 2,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 6,379 |
| Loan loss allowance to noncurrent loans | 17.5062% | 7,254 |
| Noncurrent assets plus other real estate owned to assets | 5.1373% | 1,012 |
| Noncurrent loans to loans | 5.5984% | 1,026 |
| Net loans and leases to total assets | 80.4703% | 1,231 |
| Net loans and leases to deposits | 99.8152% | 1,304 |
| Net loans and leases to core deposits | 151.3292% | 617 |
| Total domestic deposits to total assets | 80.6193% | 5,227 |
| Equity capital to assets | 9.0886% | 5,180 |
| Core capital (leverage) ratio | 8.4416% | 5,539 |
| Tier 1 risk-based capital ratio | 10.3886% | 6,491 |
| Total risk-based capital ratio | 11.3616% | 6,737 |
| Memoranda: | ||
| Average total assets | $131,155,670 | 4,375 |
| Average earning assets | $120,581,670 | 4,352 |
| Average equity | $11,532,330 | 4,942 |
| Average total loans | $105,159,000 | 3,889 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 3,872 |
| Cost of funding earning assets | 3.2347% | 312 |
| Net interest margin | 2.4518% | 7,557 |
| Noninterest income to average assets | 1.1667% | 1,075 |
| Noninterest expense to average assets | 2.7192% | 4,916 |
| Loan and lease loss provision to assets | 0.1807% | 4,639 |
| Net operating income to assets | 0.2450% | 5,505 |
| Return on assets (ROA) | 0.2450% | 5,671 |
| Pretax return on assets | 0.5206% | 5,017 |
| Return on Equity (ROE) | 2.8342% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.8342% | 4,297 |
| Net charge-offs to loans | 0.1807% | 3,556 |
| Credit loss provision to net charge-offs | 125.5319% | 3,164 |
| Earnings coverage of net charge-offs (x) | 4.8723% | 2,797 |
| Efficiency ratio | 78.7825% | 3,035 |
| Assets per employee ($millions) | 4.5034% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9477% | 6,510 |
| Loan loss allowance to noncurrent loans | 361.9565% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 5,159 |
| Noncurrent loans to loans | 0.2618% | 6,783 |
| Net loans and leases to total assets | 79.9530% | 1,399 |
| Net loans and leases to deposits | 98.6900% | 1,572 |
| Net loans and leases to core deposits | 146.2669% | 846 |
| Total domestic deposits to total assets | 81.0143% | 4,962 |
| Equity capital to assets | 8.6441% | 5,853 |
| Core capital (leverage) ratio | 7.9451% | 6,551 |
| Tier 1 risk-based capital ratio | 9.9330% | 7,000 |
| Total risk-based capital ratio | 10.8821% | 7,242 |
| Memoranda: | ||
| Average total assets | $130,629,000 | 4,397 |
| Average earning assets | $120,073,000 | 4,381 |
| Average equity | $11,290,500 | 5,031 |
| Average total loans | $104,017,500 | 3,937 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3310% | 3,783 |
| Cost of funding earning assets | 3.8148% | 191 |
| Net interest margin | 2.5162% | 7,737 |
| Noninterest income to average assets | 1.1777% | 1,107 |
| Noninterest expense to average assets | 2.8386% | 4,654 |
| Loan and lease loss provision to assets | 0.4956% | 2,833 |
| Net operating income to assets | 0.0960% | 6,122 |
| Return on assets (ROA) | 0.1225% | 5,895 |
| Pretax return on assets | 0.1841% | 5,768 |
| Return on Equity (ROE) | 1.3686% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.3686% | 4,397 |
| Net charge-offs to loans | 0.5049% | 2,337 |
| Credit loss provision to net charge-offs | 119.8807% | 4,484 |
| Earnings coverage of net charge-offs (x) | 1.5487% | 5,327 |
| Efficiency ratio | 80.8174% | 2,484 |
| Assets per employee ($millions) | 4.6664% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,326 |
| Loan loss allowance to noncurrent loans | 351.2456% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.9146% | 4,557 |
| Noncurrent loans to loans | 0.2738% | 6,552 |
| Net loans and leases to total assets | 77.7836% | 2,198 |
| Net loans and leases to deposits | 95.9236% | 2,467 |
| Net loans and leases to core deposits | 137.3814% | 1,417 |
| Total domestic deposits to total assets | 81.0891% | 4,597 |
| Equity capital to assets | 8.6423% | 5,878 |
| Core capital (leverage) ratio | 7.9039% | 6,647 |
| Tier 1 risk-based capital ratio | 10.0154% | 6,721 |
| Total risk-based capital ratio | 10.9693% | 6,963 |
| Memoranda: | ||
| Average total assets | $121,680,800 | 4,478 |
| Average earning assets | $111,277,000 | 4,490 |
| Average equity | $10,887,200 | 5,156 |
| Average total loans | $99,616,400 | 3,962 |