Home > Freedom National Bank > Performance and Condition Ratios
Freedom National Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4359% | 2,106 |
| Cost of funding earning assets | 0.8872% | 1,433 |
| Net interest margin | 3.5488% | 2,641 |
| Noninterest income to average assets | 0.0683% | 4,872 |
| Noninterest expense to average assets | 3.2204% | 1,124 |
| Loan and lease loss provision to assets | 0.3475% | 1,216 |
| Net operating income to assets | -0.0470% | 4,808 |
| Return on assets (ROA) | -0.0470% | 4,814 |
| Pretax return on assets | -0.0880% | 4,820 |
| Return on Equity (ROE) | -0.4937% | 4,822 |
| Retained earnings to average equity (ytd only) | -0.4937% | 4,404 |
| Net charge-offs to loans | -0.0296% | 4,534 |
| Credit loss provision to net charge-offs | -1,347.0588% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5425% | 333 |
| Assets per employee ($millions) | 6.5551% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 3,468 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 87.6516% | 72 |
| Net loans and leases to deposits | 103.6974% | 389 |
| Net loans and leases to core deposits | 120.5269% | 410 |
| Total domestic deposits to total assets | 84.5264% | 2,549 |
| Equity capital to assets | 8.6941% | 4,357 |
| Core capital (leverage) ratio | 9.1414% | 3,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,784,000 | 3,580 |
| Average earning assets | $126,692,333 | 3,514 |
| Average equity | $12,559,333 | 3,923 |
| Average total loans | $114,690,000 | 3,039 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,928 |
| Cost of funding earning assets | 1.0166% | 1,351 |
| Net interest margin | 3.6079% | 2,638 |
| Noninterest income to average assets | -0.0350% | 5,084 |
| Noninterest expense to average assets | 3.3830% | 1,095 |
| Loan and lease loss provision to assets | 0.0765% | 2,765 |
| Net operating income to assets | -0.0096% | 4,757 |
| Return on assets (ROA) | -0.0096% | 4,748 |
| Pretax return on assets | -0.0350% | 4,751 |
| Return on Equity (ROE) | -0.0955% | 4,748 |
| Retained earnings to average equity (ytd only) | -0.0955% | 4,005 |
| Net charge-offs to loans | -0.0074% | 3,972 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,588 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7907% | 261 |
| Assets per employee ($millions) | 6.0136% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,757 |
| Loan loss allowance to noncurrent loans | 197.6190% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6786% | 1,965 |
| Noncurrent loans to loans | 0.5016% | 2,762 |
| Net loans and leases to total assets | 85.3340% | 178 |
| Net loans and leases to deposits | 101.4851% | 465 |
| Net loans and leases to core deposits | 121.6847% | 418 |
| Total domestic deposits to total assets | 84.0852% | 2,765 |
| Equity capital to assets | 9.9956% | 3,790 |
| Core capital (leverage) ratio | 10.4066% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,569,500 | 3,631 |
| Average earning assets | $120,404,000 | 3,575 |
| Average equity | $12,570,000 | 3,932 |
| Average total loans | $108,183,000 | 3,105 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 1,511 |
| Cost of funding earning assets | 1.1296% | 1,229 |
| Net interest margin | 3.8593% | 2,307 |
| Noninterest income to average assets | 0.5176% | 2,639 |
| Noninterest expense to average assets | 3.5487% | 905 |
| Loan and lease loss provision to assets | 0.1988% | 1,022 |
| Net operating income to assets | 0.3550% | 4,667 |
| Return on assets (ROA) | 0.3550% | 4,699 |
| Pretax return on assets | 0.4700% | 4,621 |
| Return on Equity (ROE) | 3.5506% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.5506% | 3,222 |
| Net charge-offs to loans | 0.2274% | 897 |
| Credit loss provision to net charge-offs | 103.4188% | 2,396 |
| Earnings coverage of net charge-offs (x) | 3.4786% | 3,317 |
| Efficiency ratio | 84.1418% | 647 |
| Assets per employee ($millions) | 5.9454% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 3,613 |
| Loan loss allowance to noncurrent loans | 146.2500% | 2,633 |
| Noncurrent assets plus other real estate owned to assets | 1.2415% | 918 |
| Noncurrent loans to loans | 0.6696% | 2,213 |
| Net loans and leases to total assets | 85.2756% | 222 |
| Net loans and leases to deposits | 101.2188% | 518 |
| Net loans and leases to core deposits | 121.4939% | 437 |
| Total domestic deposits to total assets | 84.2488% | 2,771 |
| Equity capital to assets | 10.0253% | 3,897 |
| Core capital (leverage) ratio | 10.3681% | 3,105 |
| Tier 1 risk-based capital ratio | 13.0654% | 3,764 |
| Total risk-based capital ratio | 14.1434% | 3,723 |
| Memoranda: | ||
| Average total assets | $121,706,600 | 3,673 |
| Average earning assets | $116,678,800 | 3,608 |
| Average equity | $12,166,800 | 3,977 |
| Average total loans | $102,885,400 | 3,189 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9418% | 1,702 |
| Cost of funding earning assets | 1.1415% | 1,205 |
| Net interest margin | 3.8003% | 2,596 |
| Noninterest income to average assets | 0.3209% | 3,827 |
| Noninterest expense to average assets | 3.4391% | 1,029 |
| Loan and lease loss provision to assets | 0.1941% | 913 |
| Net operating income to assets | 0.2558% | 4,895 |
| Return on assets (ROA) | 0.2558% | 4,910 |
| Pretax return on assets | 0.3330% | 4,873 |
| Return on Equity (ROE) | 2.5608% | 4,831 |
| Retained earnings to average equity (ytd only) | 2.5608% | 4,067 |
| Net charge-offs to loans | 0.3054% | 569 |
| Credit loss provision to net charge-offs | 75.5365% | 2,559 |
| Earnings coverage of net charge-offs (x) | 2.0515% | 3,227 |
| Efficiency ratio | 86.7111% | 462 |
| Assets per employee ($millions) | 5.8585% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,572 |
| Loan loss allowance to noncurrent loans | 613.0435% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 2,012 |
| Noncurrent loans to loans | 0.1631% | 3,961 |
| Net loans and leases to total assets | 79.4333% | 923 |
| Net loans and leases to deposits | 94.9091% | 1,131 |
| Net loans and leases to core deposits | 114.0380% | 749 |
| Total domestic deposits to total assets | 83.6941% | 2,935 |
| Equity capital to assets | 10.0253% | 3,992 |
| Core capital (leverage) ratio | 10.3594% | 3,241 |
| Tier 1 risk-based capital ratio | 13.8750% | 3,389 |
| Total risk-based capital ratio | 14.9652% | 3,377 |
| Memoranda: | ||
| Average total assets | $120,919,750 | 3,723 |
| Average earning assets | $115,986,750 | 3,654 |
| Average equity | $12,079,250 | 4,023 |
| Average total loans | $101,726,000 | 3,243 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8029% | 2,050 |
| Cost of funding earning assets | 1.1292% | 1,198 |
| Net interest margin | 3.6737% | 3,015 |
| Noninterest income to average assets | 0.3361% | 3,686 |
| Noninterest expense to average assets | 3.4338% | 1,048 |
| Loan and lease loss provision to assets | 0.3777% | 331 |
| Net operating income to assets | 0.0516% | 5,084 |
| Return on assets (ROA) | 0.0516% | 5,091 |
| Pretax return on assets | 0.0482% | 5,094 |
| Return on Equity (ROE) | 0.5169% | 5,086 |
| Retained earnings to average equity (ytd only) | 0.5169% | 4,565 |
| Net charge-offs to loans | 0.4556% | 355 |
| Credit loss provision to net charge-offs | 97.0085% | 2,047 |
| Earnings coverage of net charge-offs (x) | 1.0940% | 3,053 |
| Efficiency ratio | 88.9655% | 393 |
| Assets per employee ($millions) | 5.3470% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,555 |
| Loan loss allowance to noncurrent loans | 48.8011% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.3735% | 323 |
| Noncurrent loans to loans | 2.0725% | 673 |
| Net loans and leases to total assets | 86.3611% | 190 |
| Net loans and leases to deposits | 105.7777% | 352 |
| Net loans and leases to core deposits | 134.6294% | 248 |
| Total domestic deposits to total assets | 81.6439% | 3,622 |
| Equity capital to assets | 10.3193% | 3,676 |
| Core capital (leverage) ratio | 10.4560% | 3,138 |
| Tier 1 risk-based capital ratio | 13.0622% | 3,808 |
| Total risk-based capital ratio | 14.1591% | 3,787 |
| Memoranda: | ||
| Average total assets | $120,216,670 | 3,755 |
| Average earning assets | $115,306,330 | 3,688 |
| Average equity | $11,994,330 | 4,048 |
| Average total loans | $102,730,330 | 3,246 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6726% | 2,311 |
| Cost of funding earning assets | 1.1194% | 1,126 |
| Net interest margin | 3.5533% | 3,422 |
| Noninterest income to average assets | 0.3950% | 3,212 |
| Noninterest expense to average assets | 3.3940% | 1,119 |
| Loan and lease loss provision to assets | 0.6946% | 144 |
| Net operating income to assets | -0.1876% | 5,204 |
| Return on assets (ROA) | -0.1876% | 5,201 |
| Pretax return on assets | -0.2765% | 5,210 |
| Return on Equity (ROE) | -1.9124% | 5,213 |
| Retained earnings to average equity (ytd only) | -1.9124% | 4,738 |
| Net charge-offs to loans | 0.8679% | 165 |
| Credit loss provision to net charge-offs | 94.6188% | 1,677 |
| Earnings coverage of net charge-offs (x) | 0.5695% | 2,661 |
| Efficiency ratio | 89.0328% | 432 |
| Assets per employee ($millions) | 5.9910% | 1,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,652 |
| Loan loss allowance to noncurrent loans | 47.8241% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 1.9129% | 533 |
| Noncurrent loans to loans | 2.1048% | 697 |
| Net loans and leases to total assets | 84.7838% | 301 |
| Net loans and leases to deposits | 101.8059% | 510 |
| Net loans and leases to core deposits | 128.5241% | 325 |
| Total domestic deposits to total assets | 83.2799% | 3,289 |
| Equity capital to assets | 9.9683% | 3,857 |
| Core capital (leverage) ratio | 10.2571% | 3,322 |
| Tier 1 risk-based capital ratio | 13.0841% | 3,835 |
| Total risk-based capital ratio | 14.1853% | 3,805 |
| Memoranda: | ||
| Average total assets | $121,508,000 | 3,776 |
| Average earning assets | $116,850,500 | 3,699 |
| Average equity | $11,922,000 | 4,067 |
| Average total loans | $102,781,500 | 3,273 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 1,477 |
| Cost of funding earning assets | 0.8592% | 1,267 |
| Net interest margin | 3.9673% | 2,100 |
| Noninterest income to average assets | 0.3412% | 3,830 |
| Noninterest expense to average assets | 3.5415% | 943 |
| Loan and lease loss provision to assets | 0.1620% | 1,261 |
| Net operating income to assets | 0.3396% | 4,959 |
| Return on assets (ROA) | 0.3396% | 4,954 |
| Pretax return on assets | 0.4268% | 4,912 |
| Return on Equity (ROE) | 3.5377% | 4,810 |
| Retained earnings to average equity (ytd only) | 3.5377% | 3,640 |
| Net charge-offs to loans | 0.0966% | 1,797 |
| Credit loss provision to net charge-offs | 198.9899% | 1,448 |
| Earnings coverage of net charge-offs (x) | 7.2323% | 3,008 |
| Efficiency ratio | 85.7456% | 542 |
| Assets per employee ($millions) | 5.8665% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,589 |
| Loan loss allowance to noncurrent loans | 126.6667% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7768% | 1,801 |
| Noncurrent loans to loans | 0.8014% | 2,002 |
| Net loans and leases to total assets | 82.7113% | 560 |
| Net loans and leases to deposits | 102.1503% | 578 |
| Net loans and leases to core deposits | 129.2158% | 336 |
| Total domestic deposits to total assets | 80.9702% | 3,895 |
| Equity capital to assets | 9.6594% | 3,994 |
| Core capital (leverage) ratio | 10.2765% | 3,277 |
| Tier 1 risk-based capital ratio | 13.1314% | 3,772 |
| Total risk-based capital ratio | 14.2443% | 3,740 |
| Memoranda: | ||
| Average total assets | $121,615,000 | 3,763 |
| Average earning assets | $116,150,000 | 3,716 |
| Average equity | $11,674,200 | 4,064 |
| Average total loans | $102,493,600 | 3,252 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,577 |
| Cost of funding earning assets | 0.8281% | 1,204 |
| Net interest margin | 3.9099% | 2,265 |
| Noninterest income to average assets | 0.3696% | 3,660 |
| Noninterest expense to average assets | 3.5186% | 962 |
| Loan and lease loss provision to assets | 0.1694% | 1,102 |
| Net operating income to assets | 0.3102% | 5,087 |
| Return on assets (ROA) | 0.3102% | 5,079 |
| Pretax return on assets | 0.4103% | 5,026 |
| Return on Equity (ROE) | 3.2363% | 4,967 |
| Retained earnings to average equity (ytd only) | 3.2363% | 4,123 |
| Net charge-offs to loans | 0.1302% | 1,230 |
| Credit loss provision to net charge-offs | 154.0000% | 1,668 |
| Earnings coverage of net charge-offs (x) | 5.2700% | 2,970 |
| Efficiency ratio | 85.8561% | 527 |
| Assets per employee ($millions) | 5.5376% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 3,970 |
| Loan loss allowance to noncurrent loans | 140.1961% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.1147% | 1,283 |
| Noncurrent loans to loans | 0.6890% | 2,354 |
| Net loans and leases to total assets | 84.2432% | 431 |
| Net loans and leases to deposits | 107.5966% | 371 |
| Net loans and leases to core deposits | 128.8784% | 355 |
| Total domestic deposits to total assets | 78.2955% | 4,437 |
| Equity capital to assets | 9.5824% | 4,007 |
| Core capital (leverage) ratio | 9.7846% | 3,858 |
| Tier 1 risk-based capital ratio | 12.8637% | 3,986 |
| Total risk-based capital ratio | 13.9192% | 3,998 |
| Memoranda: | ||
| Average total assets | $121,219,750 | 3,808 |
| Average earning assets | $115,600,250 | 3,759 |
| Average equity | $11,617,750 | 4,110 |
| Average total loans | $102,381,500 | 3,287 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 1,681 |
| Cost of funding earning assets | 0.7435% | 1,411 |
| Net interest margin | 3.8908% | 2,233 |
| Noninterest income to average assets | 0.3752% | 3,646 |
| Noninterest expense to average assets | 3.5664% | 907 |
| Loan and lease loss provision to assets | 0.1818% | 986 |
| Net operating income to assets | 0.2595% | 5,173 |
| Return on assets (ROA) | 0.2595% | 5,168 |
| Pretax return on assets | 0.3371% | 5,121 |
| Return on Equity (ROE) | 2.7071% | 5,063 |
| Retained earnings to average equity (ytd only) | 2.7071% | 4,167 |
| Net charge-offs to loans | 0.1942% | 808 |
| Credit loss provision to net charge-offs | 111.1111% | 1,880 |
| Earnings coverage of net charge-offs (x) | 3.1717% | 2,903 |
| Efficiency ratio | 87.2977% | 507 |
| Assets per employee ($millions) | 5.5957% | 1,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9032% | 4,326 |
| Loan loss allowance to noncurrent loans | 418.3406% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 1,900 |
| Noncurrent loans to loans | 0.2159% | 3,947 |
| Net loans and leases to total assets | 85.3768% | 320 |
| Net loans and leases to deposits | 111.5280% | 242 |
| Net loans and leases to core deposits | 130.3114% | 329 |
| Total domestic deposits to total assets | 76.5519% | 4,794 |
| Equity capital to assets | 9.4610% | 4,147 |
| Core capital (leverage) ratio | 9.9592% | 3,620 |
| Tier 1 risk-based capital ratio | 12.2602% | 4,334 |
| Total risk-based capital ratio | 13.2330% | 4,387 |
| Memoranda: | ||
| Average total assets | $121,017,330 | 3,839 |
| Average earning assets | $115,399,670 | 3,786 |
| Average equity | $11,599,000 | 4,136 |
| Average total loans | $101,964,670 | 3,305 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 2,057 |
| Cost of funding earning assets | 0.6711% | 1,595 |
| Net interest margin | 3.7677% | 2,559 |
| Noninterest income to average assets | 0.3534% | 3,782 |
| Noninterest expense to average assets | 3.5541% | 922 |
| Loan and lease loss provision to assets | 0.1300% | 1,453 |
| Net operating income to assets | 0.2067% | 5,233 |
| Return on assets (ROA) | 0.2067% | 5,231 |
| Pretax return on assets | 0.2634% | 5,196 |
| Return on Equity (ROE) | 2.1425% | 5,158 |
| Retained earnings to average equity (ytd only) | 2.1425% | 4,307 |
| Net charge-offs to loans | -0.0200% | 4,560 |
| Credit loss provision to net charge-offs | -780.0000% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0338% | 443 |
| Assets per employee ($millions) | 5.4283% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9652% | 4,137 |
| Loan loss allowance to noncurrent loans | 9,018.1818% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.6263% | 2,439 |
| Noncurrent loans to loans | 0.0107% | 4,963 |
| Net loans and leases to total assets | 81.5244% | 722 |
| Net loans and leases to deposits | 103.5790% | 503 |
| Net loans and leases to core deposits | 120.4530% | 574 |
| Total domestic deposits to total assets | 78.7074% | 4,624 |
| Equity capital to assets | 9.2582% | 4,310 |
| Core capital (leverage) ratio | 10.2412% | 3,253 |
| Tier 1 risk-based capital ratio | 12.8399% | 4,040 |
| Total risk-based capital ratio | 13.9032% | 4,046 |
| Memoranda: | ||
| Average total assets | $119,973,000 | 3,899 |
| Average earning assets | $114,446,500 | 3,840 |
| Average equity | $11,575,000 | 4,181 |
| Average total loans | $99,916,000 | 3,361 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 1,962 |
| Cost of funding earning assets | 0.5730% | 1,798 |
| Net interest margin | 3.8499% | 2,254 |
| Noninterest income to average assets | 0.2748% | 4,484 |
| Noninterest expense to average assets | 3.6373% | 857 |
| Loan and lease loss provision to assets | 0.0612% | 3,008 |
| Net operating income to assets | 0.0780% | 5,277 |
| Return on assets (ROA) | 0.0780% | 5,285 |
| Pretax return on assets | 0.2394% | 5,273 |
| Return on Equity (ROE) | 0.7495% | 5,279 |
| Retained earnings to average equity (ytd only) | 0.7495% | 4,742 |
| Net charge-offs to loans | 0.0435% | 2,923 |
| Credit loss provision to net charge-offs | 172.5000% | 1,569 |
| Earnings coverage of net charge-offs (x) | 8.4750% | 2,910 |
| Efficiency ratio | 92.3683% | 342 |
| Assets per employee ($millions) | 5.4807% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 4,076 |
| Loan loss allowance to noncurrent loans | 9,470.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.4744% | 2,980 |
| Noncurrent loans to loans | 0.0103% | 4,993 |
| Net loans and leases to total assets | 83.5041% | 497 |
| Net loans and leases to deposits | 106.0396% | 398 |
| Net loans and leases to core deposits | 120.0762% | 579 |
| Total domestic deposits to total assets | 78.7480% | 4,594 |
| Equity capital to assets | 10.0708% | 3,622 |
| Core capital (leverage) ratio | 10.1286% | 3,272 |
| Tier 1 risk-based capital ratio | 13.4636% | 3,648 |
| Total risk-based capital ratio | 14.5335% | 3,667 |
| Memoranda: | ||
| Average total assets | $112,804,600 | 4,014 |
| Average earning assets | $107,328,000 | 3,959 |
| Average equity | $11,740,400 | 4,180 |
| Average total loans | $92,048,200 | 3,490 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,139 |
| Cost of funding earning assets | 0.5496% | 1,895 |
| Net interest margin | 3.7911% | 2,438 |
| Noninterest income to average assets | 0.2744% | 4,543 |
| Noninterest expense to average assets | 3.5770% | 895 |
| Loan and lease loss provision to assets | 0.0618% | 2,838 |
| Net operating income to assets | 0.1746% | 5,375 |
| Return on assets (ROA) | 0.1746% | 5,386 |
| Pretax return on assets | 0.2412% | 5,349 |
| Return on Equity (ROE) | 1.6642% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.6642% | 4,762 |
| Net charge-offs to loans | -0.0088% | 4,597 |
| Credit loss provision to net charge-offs | -866.6667% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1923% | 338 |
| Assets per employee ($millions) | 5.6043% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0099% | 3,998 |
| Loan loss allowance to noncurrent loans | 8,872.7273% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.5769% | 2,797 |
| Noncurrent loans to loans | 0.0114% | 5,096 |
| Net loans and leases to total assets | 81.2907% | 791 |
| Net loans and leases to deposits | 104.7084% | 464 |
| Net loans and leases to core deposits | 115.9396% | 753 |
| Total domestic deposits to total assets | 77.6353% | 4,779 |
| Equity capital to assets | 10.1351% | 3,760 |
| Core capital (leverage) ratio | 10.2027% | 3,311 |
| Tier 1 risk-based capital ratio | 13.4280% | 3,747 |
| Total risk-based capital ratio | 14.5272% | 3,751 |
| Memoranda: | ||
| Average total assets | $112,232,000 | 4,067 |
| Average earning assets | $106,737,750 | 4,011 |
| Average equity | $11,777,750 | 4,221 |
| Average total loans | $90,796,250 | 3,542 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 2,400 |
| Cost of funding earning assets | 0.5185% | 2,026 |
| Net interest margin | 3.7017% | 2,655 |
| Noninterest income to average assets | 0.2409% | 4,799 |
| Noninterest expense to average assets | 3.6391% | 831 |
| Loan and lease loss provision to assets | 0.0308% | 3,388 |
| Net operating income to assets | 0.0851% | 5,506 |
| Return on assets (ROA) | 0.0851% | 5,511 |
| Pretax return on assets | 0.0888% | 5,519 |
| Return on Equity (ROE) | 0.8015% | 5,496 |
| Retained earnings to average equity (ytd only) | 0.8015% | 4,893 |
| Net charge-offs to loans | -0.0090% | 4,499 |
| Credit loss provision to net charge-offs | -425.0000% | 4,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8193% | 237 |
| Assets per employee ($millions) | 5.5907% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 4,202 |
| Loan loss allowance to noncurrent loans | 8,536.3636% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.5809% | 2,826 |
| Noncurrent loans to loans | 0.0116% | 5,131 |
| Net loans and leases to total assets | 79.8780% | 975 |
| Net loans and leases to deposits | 100.8105% | 680 |
| Net loans and leases to core deposits | 111.0519% | 952 |
| Total domestic deposits to total assets | 79.2358% | 4,580 |
| Equity capital to assets | 10.0431% | 3,859 |
| Core capital (leverage) ratio | 10.8289% | 2,574 |
| Tier 1 risk-based capital ratio | 13.5606% | 3,667 |
| Total risk-based capital ratio | 14.6377% | 3,671 |
| Memoranda: | ||
| Average total assets | $110,412,670 | 4,125 |
| Average earning assets | $104,925,000 | 4,072 |
| Average equity | $11,727,670 | 4,235 |
| Average total loans | $88,846,000 | 3,599 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 2,540 |
| Cost of funding earning assets | 0.5048% | 2,046 |
| Net interest margin | 3.6281% | 2,785 |
| Noninterest income to average assets | 0.2132% | 4,988 |
| Noninterest expense to average assets | 3.7412% | 731 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.0224% | 5,619 |
| Return on assets (ROA) | -0.0224% | 5,626 |
| Pretax return on assets | -0.0860% | 5,636 |
| Return on Equity (ROE) | -0.2052% | 5,625 |
| Retained earnings to average equity (ytd only) | -0.2052% | 4,953 |
| Net charge-offs to loans | -0.0233% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3541% | 199 |
| Assets per employee ($millions) | 5.0920% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 3,808 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5396% | 3,074 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 78.8492% | 1,005 |
| Net loans and leases to deposits | 99.0298% | 682 |
| Net loans and leases to core deposits | 102.1109% | 1,361 |
| Total domestic deposits to total assets | 79.6216% | 4,697 |
| Equity capital to assets | 10.9378% | 2,702 |
| Core capital (leverage) ratio | 10.7378% | 2,653 |
| Tier 1 risk-based capital ratio | 15.1337% | 2,905 |
| Total risk-based capital ratio | 16.3205% | 2,863 |
| Memoranda: | ||
| Average total assets | $106,917,000 | 4,229 |
| Average earning assets | $101,431,000 | 4,183 |
| Average equity | $11,696,000 | 4,268 |
| Average total loans | $85,909,500 | 3,687 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 2,391 |
| Cost of funding earning assets | 0.5508% | 1,680 |
| Net interest margin | 3.6780% | 2,783 |
| Noninterest income to average assets | 0.5497% | 2,917 |
| Noninterest expense to average assets | 3.4898% | 1,179 |
| Loan and lease loss provision to assets | 0.0400% | 3,582 |
| Net operating income to assets | 0.3189% | 5,171 |
| Return on assets (ROA) | 0.3189% | 5,246 |
| Pretax return on assets | 0.5142% | 4,994 |
| Return on Equity (ROE) | 3.0093% | 5,159 |
| Retained earnings to average equity (ytd only) | 3.0093% | 3,761 |
| Net charge-offs to loans | 0.0843% | 2,486 |
| Credit loss provision to net charge-offs | 58.6667% | 3,270 |
| Earnings coverage of net charge-offs (x) | 8.1333% | 2,918 |
| Efficiency ratio | 86.2952% | 803 |
| Assets per employee ($millions) | 5.0906% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0603% | 3,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6866% | 2,652 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 80.1323% | 879 |
| Net loans and leases to deposits | 106.4851% | 324 |
| Net loans and leases to core deposits | 110.3720% | 874 |
| Total domestic deposits to total assets | 75.2521% | 5,323 |
| Equity capital to assets | 10.9409% | 2,675 |
| Core capital (leverage) ratio | 10.6952% | 2,663 |
| Tier 1 risk-based capital ratio | 14.8051% | 3,047 |
| Total risk-based capital ratio | 15.9593% | 3,043 |
| Memoranda: | ||
| Average total assets | $110,063,400 | 4,158 |
| Average earning assets | $104,566,800 | 4,104 |
| Average equity | $11,664,000 | 4,306 |
| Average total loans | $88,919,800 | 3,596 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 2,379 |
| Cost of funding earning assets | 0.5615% | 1,600 |
| Net interest margin | 3.6774% | 2,801 |
| Noninterest income to average assets | 0.7192% | 2,085 |
| Noninterest expense to average assets | 3.4808% | 1,186 |
| Loan and lease loss provision to assets | 0.0529% | 3,200 |
| Net operating income to assets | 0.4246% | 4,946 |
| Return on assets (ROA) | 0.4246% | 5,036 |
| Pretax return on assets | 0.6832% | 4,659 |
| Return on Equity (ROE) | 4.0378% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.0378% | 3,425 |
| Net charge-offs to loans | 0.0804% | 2,175 |
| Credit loss provision to net charge-offs | 81.4815% | 2,644 |
| Earnings coverage of net charge-offs (x) | 11.3331% | 2,493 |
| Efficiency ratio | 82.5442% | 1,125 |
| Assets per employee ($millions) | 5.2367% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 3,989 |
| Loan loss allowance to noncurrent loans | 2,682.8571% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.8057% | 2,527 |
| Noncurrent loans to loans | 0.0401% | 5,206 |
| Net loans and leases to total assets | 78.5953% | 1,099 |
| Net loans and leases to deposits | 102.5692% | 535 |
| Net loans and leases to core deposits | 105.4782% | 1,236 |
| Total domestic deposits to total assets | 76.6266% | 5,143 |
| Equity capital to assets | 10.7956% | 3,250 |
| Core capital (leverage) ratio | 10.5619% | 2,920 |
| Tier 1 risk-based capital ratio | 14.4515% | 3,309 |
| Total risk-based capital ratio | 15.6036% | 3,299 |
| Memoranda: | ||
| Average total assets | $110,853,750 | 4,176 |
| Average earning assets | $105,433,000 | 4,112 |
| Average equity | $11,656,000 | 4,347 |
| Average total loans | $89,504,500 | 3,606 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2745% | 2,235 |
| Cost of funding earning assets | 0.5733% | 1,519 |
| Net interest margin | 3.7011% | 2,696 |
| Noninterest income to average assets | 0.6118% | 2,558 |
| Noninterest expense to average assets | 3.4746% | 1,212 |
| Loan and lease loss provision to assets | 0.0792% | 2,559 |
| Net operating income to assets | 0.3833% | 5,085 |
| Return on assets (ROA) | 0.3833% | 5,167 |
| Pretax return on assets | 0.5776% | 4,950 |
| Return on Equity (ROE) | 3.6775% | 5,022 |
| Retained earnings to average equity (ytd only) | 3.6775% | 3,548 |
| Net charge-offs to loans | 0.1064% | 1,760 |
| Credit loss provision to net charge-offs | 91.6667% | 2,220 |
| Earnings coverage of net charge-offs (x) | 7.6042% | 2,610 |
| Efficiency ratio | 84.1028% | 1,043 |
| Assets per employee ($millions) | 5.8213% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 4,204 |
| Loan loss allowance to noncurrent loans | 2,423.0769% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.2179% | 4,625 |
| Noncurrent loans to loans | 0.0435% | 5,288 |
| Net loans and leases to total assets | 80.2042% | 867 |
| Net loans and leases to deposits | 106.8191% | 337 |
| Net loans and leases to core deposits | 111.2967% | 862 |
| Total domestic deposits to total assets | 75.0841% | 5,400 |
| Equity capital to assets | 10.6615% | 3,453 |
| Core capital (leverage) ratio | 10.5833% | 2,870 |
| Tier 1 risk-based capital ratio | 13.4241% | 3,953 |
| Total risk-based capital ratio | 14.5141% | 3,953 |
| Memoranda: | ||
| Average total assets | $111,148,000 | 4,206 |
| Average earning assets | $105,697,000 | 4,137 |
| Average equity | $11,584,000 | 4,386 |
| Average total loans | $90,215,670 | 3,607 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 2,600 |
| Cost of funding earning assets | 0.6125% | 1,252 |
| Net interest margin | 3.5539% | 3,257 |
| Noninterest income to average assets | 0.8042% | 1,600 |
| Noninterest expense to average assets | 3.5362% | 1,120 |
| Loan and lease loss provision to assets | 0.1580% | 1,323 |
| Net operating income to assets | 0.2908% | 5,331 |
| Return on assets (ROA) | 0.2908% | 5,411 |
| Pretax return on assets | 0.4847% | 5,126 |
| Return on Equity (ROE) | 2.8223% | 5,292 |
| Retained earnings to average equity (ytd only) | 2.8223% | 4,105 |
| Net charge-offs to loans | 0.3050% | 708 |
| Credit loss provision to net charge-offs | 63.7681% | 1,954 |
| Earnings coverage of net charge-offs (x) | 2.5942% | 2,660 |
| Efficiency ratio | 84.6220% | 1,099 |
| Assets per employee ($millions) | 5.5044% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 4,489 |
| Loan loss allowance to noncurrent loans | 993.5484% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 4,271 |
| Noncurrent loans to loans | 0.1027% | 5,059 |
| Net loans and leases to total assets | 81.3976% | 639 |
| Net loans and leases to deposits | 106.7193% | 314 |
| Net loans and leases to core deposits | 111.8728% | 758 |
| Total domestic deposits to total assets | 76.2726% | 5,380 |
| Equity capital to assets | 10.5225% | 3,461 |
| Core capital (leverage) ratio | 10.4254% | 3,046 |
| Tier 1 risk-based capital ratio | 13.1093% | 4,192 |
| Total risk-based capital ratio | 14.1622% | 4,231 |
| Memoranda: | ||
| Average total assets | $111,420,000 | 4,237 |
| Average earning assets | $105,799,500 | 4,163 |
| Average equity | $11,480,000 | 4,420 |
| Average total loans | $90,496,500 | 3,612 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 3,176 |
| Cost of funding earning assets | 0.6552% | 1,045 |
| Net interest margin | 3.3783% | 4,000 |
| Noninterest income to average assets | 0.3517% | 4,388 |
| Noninterest expense to average assets | 3.1780% | 2,014 |
| Loan and lease loss provision to assets | 0.1510% | 1,563 |
| Net operating income to assets | 0.1334% | 5,711 |
| Return on assets (ROA) | 0.1392% | 5,751 |
| Pretax return on assets | 0.2296% | 5,648 |
| Return on Equity (ROE) | 1.3939% | 5,701 |
| Retained earnings to average equity (ytd only) | 1.3939% | 4,932 |
| Net charge-offs to loans | 0.1907% | 1,519 |
| Credit loss provision to net charge-offs | 103.0864% | 2,434 |
| Earnings coverage of net charge-offs (x) | 2.5370% | 3,881 |
| Efficiency ratio | 89.5313% | 718 |
| Assets per employee ($millions) | 5.6376% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 4,324 |
| Loan loss allowance to noncurrent loans | 221.2121% | 2,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6137% | 3,225 |
| Noncurrent loans to loans | 0.4742% | 3,767 |
| Net loans and leases to total assets | 79.3875% | 934 |
| Net loans and leases to deposits | 103.6979% | 456 |
| Net loans and leases to core deposits | 107.3029% | 1,020 |
| Total domestic deposits to total assets | 76.5565% | 5,382 |
| Equity capital to assets | 10.0894% | 3,870 |
| Core capital (leverage) ratio | 10.2472% | 3,205 |
| Tier 1 risk-based capital ratio | 12.9092% | 4,383 |
| Total risk-based capital ratio | 13.9817% | 4,396 |
| Memoranda: | ||
| Average total assets | $110,603,400 | 4,247 |
| Average earning assets | $104,698,400 | 4,170 |
| Average equity | $11,047,800 | 4,471 |
| Average total loans | $84,932,600 | 3,704 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 3,360 |
| Cost of funding earning assets | 0.6633% | 1,010 |
| Net interest margin | 3.3331% | 4,210 |
| Noninterest income to average assets | 0.3622% | 4,338 |
| Noninterest expense to average assets | 3.1253% | 2,153 |
| Loan and lease loss provision to assets | 0.1490% | 1,462 |
| Net operating income to assets | 0.1507% | 5,772 |
| Return on assets (ROA) | 0.1538% | 5,817 |
| Pretax return on assets | 0.2459% | 5,727 |
| Return on Equity (ROE) | 1.5442% | 5,766 |
| Retained earnings to average equity (ytd only) | 1.5442% | 5,093 |
| Net charge-offs to loans | 0.2234% | 1,165 |
| Credit loss provision to net charge-offs | 87.8571% | 2,500 |
| Earnings coverage of net charge-offs (x) | 2.3000% | 3,690 |
| Efficiency ratio | 88.9042% | 767 |
| Assets per employee ($millions) | 5.4896% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 4,380 |
| Loan loss allowance to noncurrent loans | 182.4803% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 3,768 |
| Noncurrent loans to loans | 0.5870% | 3,568 |
| Net loans and leases to total assets | 77.9784% | 1,101 |
| Net loans and leases to deposits | 106.7586% | 340 |
| Net loans and leases to core deposits | 112.2556% | 749 |
| Total domestic deposits to total assets | 73.0418% | 5,785 |
| Equity capital to assets | 10.4288% | 3,675 |
| Core capital (leverage) ratio | 10.3151% | 3,237 |
| Tier 1 risk-based capital ratio | 13.5077% | 4,135 |
| Total risk-based capital ratio | 14.6064% | 4,139 |
| Memoranda: | ||
| Average total assets | $110,066,250 | 4,304 |
| Average earning assets | $104,126,000 | 4,238 |
| Average equity | $10,965,750 | 4,541 |
| Average total loans | $83,550,750 | 3,766 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 3,229 |
| Cost of funding earning assets | 0.6728% | 976 |
| Net interest margin | 3.3410% | 4,138 |
| Noninterest income to average assets | 0.3831% | 4,207 |
| Noninterest expense to average assets | 3.1301% | 2,164 |
| Loan and lease loss provision to assets | 0.2524% | 687 |
| Net operating income to assets | 0.0988% | 5,876 |
| Return on assets (ROA) | 0.1035% | 5,923 |
| Pretax return on assets | 0.1634% | 5,867 |
| Return on Equity (ROE) | 1.0551% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.0551% | 5,150 |
| Net charge-offs to loans | 0.3610% | 721 |
| Credit loss provision to net charge-offs | 93.2886% | 2,161 |
| Earnings coverage of net charge-offs (x) | 1.5101% | 3,500 |
| Efficiency ratio | 88.4556% | 880 |
| Assets per employee ($millions) | 5.2913% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 4,392 |
| Loan loss allowance to noncurrent loans | 183.8583% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.5094% | 3,916 |
| Noncurrent loans to loans | 0.5916% | 3,688 |
| Net loans and leases to total assets | 76.4359% | 1,307 |
| Net loans and leases to deposits | 100.4981% | 620 |
| Net loans and leases to core deposits | 105.0604% | 1,124 |
| Total domestic deposits to total assets | 76.0570% | 5,592 |
| Equity capital to assets | 10.2090% | 3,796 |
| Core capital (leverage) ratio | 10.2762% | 3,246 |
| Tier 1 risk-based capital ratio | 13.5120% | 4,218 |
| Total risk-based capital ratio | 14.6262% | 4,223 |
| Memoranda: | ||
| Average total assets | $110,157,670 | 4,340 |
| Average earning assets | $104,039,330 | 4,269 |
| Average equity | $10,804,330 | 4,603 |
| Average total loans | $82,554,000 | 3,810 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 3,484 |
| Cost of funding earning assets | 0.6872% | 915 |
| Net interest margin | 3.2470% | 4,433 |
| Noninterest income to average assets | 0.3392% | 4,481 |
| Noninterest expense to average assets | 3.1182% | 2,211 |
| Loan and lease loss provision to assets | 0.0620% | 2,691 |
| Net operating income to assets | 0.1402% | 5,809 |
| Return on assets (ROA) | 0.1495% | 5,861 |
| Pretax return on assets | 0.2407% | 5,771 |
| Return on Equity (ROE) | 1.5568% | 5,789 |
| Retained earnings to average equity (ytd only) | 1.5568% | 4,852 |
| Net charge-offs to loans | -0.0049% | 4,490 |
| Credit loss provision to net charge-offs | -1,700.0000% | 5,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5418% | 744 |
| Assets per employee ($millions) | 5.3987% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 4,164 |
| Loan loss allowance to noncurrent loans | 255.1724% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 4,413 |
| Noncurrent loans to loans | 0.4573% | 4,212 |
| Net loans and leases to total assets | 75.4617% | 1,282 |
| Net loans and leases to deposits | 101.2476% | 496 |
| Net loans and leases to core deposits | 107.6739% | 837 |
| Total domestic deposits to total assets | 74.5318% | 5,864 |
| Equity capital to assets | 9.8163% | 4,370 |
| Core capital (leverage) ratio | 9.7032% | 4,007 |
| Tier 1 risk-based capital ratio | 12.8815% | 4,674 |
| Total risk-based capital ratio | 14.0550% | 4,640 |
| Memoranda: | ||
| Average total assets | $109,677,500 | 4,373 |
| Average earning assets | $103,604,000 | 4,314 |
| Average equity | $10,534,500 | 4,688 |
| Average total loans | $80,897,000 | 3,865 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9634% | 3,861 |
| Cost of funding earning assets | 0.7114% | 1,042 |
| Net interest margin | 3.2520% | 4,746 |
| Noninterest income to average assets | 0.4468% | 3,851 |
| Noninterest expense to average assets | 3.4091% | 1,680 |
| Loan and lease loss provision to assets | 0.0568% | 3,412 |
| Net operating income to assets | 0.0502% | 6,020 |
| Return on assets (ROA) | 0.0369% | 6,068 |
| Pretax return on assets | 0.0275% | 6,063 |
| Return on Equity (ROE) | 0.3972% | 6,055 |
| Retained earnings to average equity (ytd only) | 0.3972% | 5,596 |
| Net charge-offs to loans | 0.4214% | 1,008 |
| Credit loss provision to net charge-offs | 18.4049% | 3,992 |
| Earnings coverage of net charge-offs (x) | 0.3160% | 4,663 |
| Efficiency ratio | 97.2192% | 456 |
| Assets per employee ($millions) | 5.8622% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1896% | 4,067 |
| Loan loss allowance to noncurrent loans | 973.1959% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 5,456 |
| Noncurrent loans to loans | 0.1222% | 5,410 |
| Net loans and leases to total assets | 70.3971% | 2,170 |
| Net loans and leases to deposits | 90.8763% | 1,414 |
| Net loans and leases to core deposits | 96.2192% | 1,696 |
| Total domestic deposits to total assets | 77.4647% | 5,529 |
| Equity capital to assets | 9.4002% | 4,846 |
| Core capital (leverage) ratio | 9.6840% | 3,992 |
| Tier 1 risk-based capital ratio | 12.6180% | 4,965 |
| Total risk-based capital ratio | 13.7816% | 4,937 |
| Memoranda: | ||
| Average total assets | $105,629,800 | 4,464 |
| Average earning assets | $99,385,000 | 4,409 |
| Average equity | $9,817,600 | 4,788 |
| Average total loans | $77,360,400 | 3,960 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9499% | 3,965 |
| Cost of funding earning assets | 0.7137% | 1,085 |
| Net interest margin | 3.2362% | 4,832 |
| Noninterest income to average assets | 0.4607% | 3,812 |
| Noninterest expense to average assets | 3.4538% | 1,559 |
| Loan and lease loss provision to assets | 0.0768% | 2,802 |
| Net operating income to assets | 0.0010% | 6,139 |
| Return on assets (ROA) | -0.0064% | 6,162 |
| Pretax return on assets | -0.0410% | 6,169 |
| Return on Equity (ROE) | -0.0691% | 6,163 |
| Retained earnings to average equity (ytd only) | -0.0691% | 5,807 |
| Net charge-offs to loans | 0.6245% | 578 |
| Credit loss provision to net charge-offs | 16.6667% | 3,616 |
| Earnings coverage of net charge-offs (x) | 0.1028% | 4,433 |
| Efficiency ratio | 98.6477% | 410 |
| Assets per employee ($millions) | 5.9509% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 4,592 |
| Loan loss allowance to noncurrent loans | 359.6838% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 5,085 |
| Noncurrent loans to loans | 0.3150% | 4,965 |
| Net loans and leases to total assets | 74.1299% | 1,505 |
| Net loans and leases to deposits | 99.3022% | 650 |
| Net loans and leases to core deposits | 105.6142% | 976 |
| Total domestic deposits to total assets | 74.6508% | 5,954 |
| Equity capital to assets | 9.4402% | 4,875 |
| Core capital (leverage) ratio | 9.6730% | 4,125 |
| Tier 1 risk-based capital ratio | 12.4187% | 5,212 |
| Total risk-based capital ratio | 13.5352% | 5,234 |
| Memoranda: | ||
| Average total assets | $104,192,000 | 4,539 |
| Average earning assets | $97,889,500 | 4,502 |
| Average equity | $9,654,500 | 4,863 |
| Average total loans | $76,862,250 | 3,998 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9841% | 3,793 |
| Cost of funding earning assets | 0.7124% | 1,127 |
| Net interest margin | 3.2717% | 4,696 |
| Noninterest income to average assets | 0.3875% | 4,341 |
| Noninterest expense to average assets | 3.3618% | 1,779 |
| Loan and lease loss provision to assets | 0.1163% | 2,099 |
| Net operating income to assets | 0.0101% | 6,174 |
| Return on assets (ROA) | 0.0039% | 6,205 |
| Pretax return on assets | -0.0213% | 6,210 |
| Return on Equity (ROE) | 0.0421% | 6,204 |
| Retained earnings to average equity (ytd only) | 0.0421% | 5,663 |
| Net charge-offs to loans | 1.0249% | 343 |
| Credit loss provision to net charge-offs | 15.4639% | 3,248 |
| Earnings coverage of net charge-offs (x) | 0.1392% | 4,106 |
| Efficiency ratio | 96.9816% | 511 |
| Assets per employee ($millions) | 6.1875% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1061% | 4,878 |
| Loan loss allowance to noncurrent loans | 424.0385% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.4021% | 4,808 |
| Noncurrent loans to loans | 0.2608% | 5,237 |
| Net loans and leases to total assets | 74.9705% | 1,313 |
| Net loans and leases to deposits | 98.3059% | 646 |
| Net loans and leases to core deposits | 105.0836% | 955 |
| Total domestic deposits to total assets | 76.2625% | 5,884 |
| Equity capital to assets | 9.4155% | 4,825 |
| Core capital (leverage) ratio | 9.7386% | 3,984 |
| Tier 1 risk-based capital ratio | 12.3049% | 5,357 |
| Total risk-based capital ratio | 13.3923% | 5,373 |
| Memoranda: | ||
| Average total assets | $103,217,330 | 4,600 |
| Average earning assets | $97,135,670 | 4,555 |
| Average equity | $9,502,000 | 4,909 |
| Average total loans | $75,711,330 | 4,055 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9458% | 3,910 |
| Cost of funding earning assets | 0.7110% | 1,182 |
| Net interest margin | 3.2348% | 4,800 |
| Noninterest income to average assets | 0.3952% | 4,225 |
| Noninterest expense to average assets | 3.4040% | 1,696 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0665% | 6,094 |
| Return on assets (ROA) | 0.0470% | 6,158 |
| Pretax return on assets | 0.0157% | 6,200 |
| Return on Equity (ROE) | 0.5161% | 6,135 |
| Retained earnings to average equity (ytd only) | 0.5161% | 5,376 |
| Net charge-offs to loans | -0.0054% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9761% | 500 |
| Assets per employee ($millions) | 5.4725% | 1,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6395% | 2,549 |
| Loan loss allowance to noncurrent loans | 70.7773% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.6456% | 2,144 |
| Noncurrent loans to loans | 2.3165% | 1,531 |
| Net loans and leases to total assets | 69.8722% | 1,912 |
| Net loans and leases to deposits | 90.0841% | 1,138 |
| Net loans and leases to core deposits | 96.2431% | 1,370 |
| Total domestic deposits to total assets | 77.5633% | 5,893 |
| Equity capital to assets | 8.9731% | 5,145 |
| Core capital (leverage) ratio | 9.4979% | 4,275 |
| Tier 1 risk-based capital ratio | 12.2137% | 5,500 |
| Total risk-based capital ratio | 13.4670% | 5,430 |
| Memoranda: | ||
| Average total assets | $102,232,000 | 4,678 |
| Average earning assets | $96,203,500 | 4,619 |
| Average equity | $9,301,000 | 4,974 |
| Average total loans | $73,696,000 | 4,142 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 4,169 |
| Cost of funding earning assets | 0.7854% | 1,289 |
| Net interest margin | 3.1909% | 5,031 |
| Noninterest income to average assets | 0.4557% | 4,050 |
| Noninterest expense to average assets | 3.9186% | 962 |
| Loan and lease loss provision to assets | 0.6409% | 377 |
| Net operating income to assets | -0.7253% | 6,553 |
| Return on assets (ROA) | -0.7253% | 6,555 |
| Pretax return on assets | -1.1111% | 6,614 |
| Return on Equity (ROE) | -7.8137% | 6,550 |
| Retained earnings to average equity (ytd only) | -7.8137% | 6,489 |
| Net charge-offs to loans | 1.1984% | 445 |
| Credit loss provision to net charge-offs | 74.7002% | 3,179 |
| Earnings coverage of net charge-offs (x) | -0.5480% | 5,206 |
| Efficiency ratio | 113.6337% | 230 |
| Assets per employee ($millions) | 5.2888% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6456% | 2,587 |
| Loan loss allowance to noncurrent loans | 74.0514% | 4,363 |
| Noncurrent assets plus other real estate owned to assets | 1.6261% | 2,282 |
| Noncurrent loans to loans | 2.2222% | 1,751 |
| Net loans and leases to total assets | 71.9695% | 1,684 |
| Net loans and leases to deposits | 89.0169% | 1,346 |
| Net loans and leases to core deposits | 94.4187% | 1,570 |
| Total domestic deposits to total assets | 80.8493% | 5,222 |
| Equity capital to assets | 9.2271% | 4,774 |
| Core capital (leverage) ratio | 9.3181% | 4,518 |
| Tier 1 risk-based capital ratio | 12.2055% | 5,495 |
| Total risk-based capital ratio | 13.4595% | 5,418 |
| Memoranda: | ||
| Average total assets | $97,202,600 | 4,808 |
| Average earning assets | $91,165,400 | 4,742 |
| Average equity | $9,022,600 | 5,074 |
| Average total loans | $69,595,000 | 4,281 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 4,287 |
| Cost of funding earning assets | 0.7821% | 1,419 |
| Net interest margin | 3.1769% | 5,067 |
| Noninterest income to average assets | 0.4966% | 3,832 |
| Noninterest expense to average assets | 3.7558% | 1,153 |
| Loan and lease loss provision to assets | 0.7719% | 259 |
| Net operating income to assets | -0.6903% | 6,649 |
| Return on assets (ROA) | -0.6903% | 6,654 |
| Pretax return on assets | -1.0527% | 6,701 |
| Return on Equity (ROE) | -7.4252% | 6,654 |
| Retained earnings to average equity (ytd only) | -7.4252% | 6,581 |
| Net charge-offs to loans | 1.2826% | 415 |
| Credit loss provision to net charge-offs | 84.5455% | 2,739 |
| Earnings coverage of net charge-offs (x) | -0.3076% | 4,929 |
| Efficiency ratio | 108.0812% | 293 |
| Assets per employee ($millions) | 5.6991% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8181% | 2,247 |
| Loan loss allowance to noncurrent loans | 169.1026% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.9904% | 3,681 |
| Noncurrent loans to loans | 1.0751% | 3,649 |
| Net loans and leases to total assets | 69.4374% | 2,060 |
| Net loans and leases to deposits | 86.5231% | 1,556 |
| Net loans and leases to core deposits | 90.8095% | 1,887 |
| Total domestic deposits to total assets | 80.2531% | 5,444 |
| Equity capital to assets | 8.7822% | 5,434 |
| Core capital (leverage) ratio | 9.3290% | 4,651 |
| Tier 1 risk-based capital ratio | 11.8806% | 5,852 |
| Total risk-based capital ratio | 13.1366% | 5,792 |
| Memoranda: | ||
| Average total assets | $96,381,500 | 4,874 |
| Average earning assets | $90,358,000 | 4,797 |
| Average equity | $8,960,250 | 5,145 |
| Average total loans | $68,611,250 | 4,356 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0292% | 4,003 |
| Cost of funding earning assets | 0.8009% | 1,407 |
| Net interest margin | 3.2284% | 4,843 |
| Noninterest income to average assets | 0.5195% | 3,699 |
| Noninterest expense to average assets | 3.9739% | 895 |
| Loan and lease loss provision to assets | 0.6680% | 357 |
| Net operating income to assets | -0.7104% | 6,696 |
| Return on assets (ROA) | -0.7104% | 6,708 |
| Pretax return on assets | -1.0963% | 6,754 |
| Return on Equity (ROE) | -7.4911% | 6,702 |
| Retained earnings to average equity (ytd only) | -7.4911% | 6,592 |
| Net charge-offs to loans | 0.8351% | 747 |
| Credit loss provision to net charge-offs | 112.0996% | 1,982 |
| Earnings coverage of net charge-offs (x) | -0.7189% | 4,685 |
| Efficiency ratio | 112.0813% | 254 |
| Assets per employee ($millions) | 5.4818% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0564% | 1,727 |
| Loan loss allowance to noncurrent loans | 189.9478% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.8564% | 4,103 |
| Noncurrent loans to loans | 1.0826% | 3,767 |
| Net loans and leases to total assets | 70.2337% | 1,845 |
| Net loans and leases to deposits | 87.4119% | 1,412 |
| Net loans and leases to core deposits | 91.9843% | 1,712 |
| Total domestic deposits to total assets | 80.3480% | 5,526 |
| Equity capital to assets | 8.7239% | 5,516 |
| Core capital (leverage) ratio | 8.9273% | 5,106 |
| Tier 1 risk-based capital ratio | 11.7201% | 5,976 |
| Total risk-based capital ratio | 12.9783% | 5,929 |
| Memoranda: | ||
| Average total assets | $94,314,330 | 4,957 |
| Average earning assets | $88,403,670 | 4,890 |
| Average equity | $8,944,000 | 5,185 |
| Average total loans | $67,298,330 | 4,412 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 4,167 |
| Cost of funding earning assets | 0.8052% | 1,498 |
| Net interest margin | 3.1839% | 4,979 |
| Noninterest income to average assets | 0.6556% | 2,849 |
| Noninterest expense to average assets | 3.8769% | 1,023 |
| Loan and lease loss provision to assets | 0.3256% | 1,035 |
| Net operating income to assets | -0.3430% | 6,603 |
| Return on assets (ROA) | -0.3430% | 6,633 |
| Pretax return on assets | -0.5600% | 6,695 |
| Return on Equity (ROE) | -3.4680% | 6,631 |
| Retained earnings to average equity (ytd only) | -3.4680% | 6,232 |
| Net charge-offs to loans | 1.6898% | 296 |
| Credit loss provision to net charge-offs | 27.0758% | 2,933 |
| Earnings coverage of net charge-offs (x) | -0.1949% | 3,871 |
| Efficiency ratio | 106.4362% | 385 |
| Assets per employee ($millions) | 5.4279% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,686 |
| Loan loss allowance to noncurrent loans | 119.6271% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.2180% | 3,533 |
| Noncurrent loans to loans | 1.4888% | 3,321 |
| Net loans and leases to total assets | 68.8055% | 1,874 |
| Net loans and leases to deposits | 86.0645% | 1,343 |
| Net loans and leases to core deposits | 91.1142% | 1,596 |
| Total domestic deposits to total assets | 79.9464% | 5,763 |
| Equity capital to assets | 9.2720% | 5,173 |
| Core capital (leverage) ratio | 9.9560% | 3,446 |
| Tier 1 risk-based capital ratio | 12.3807% | 5,655 |
| Total risk-based capital ratio | 13.6356% | 5,603 |
| Memoranda: | ||
| Average total assets | $92,135,500 | 5,048 |
| Average earning assets | $86,435,000 | 4,976 |
| Average equity | $9,112,000 | 5,203 |
| Average total loans | $65,569,500 | 4,507 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 3,435 |
| Cost of funding earning assets | 0.9472% | 1,659 |
| Net interest margin | 3.5438% | 4,324 |
| Noninterest income to average assets | 0.7749% | 2,367 |
| Noninterest expense to average assets | 3.9663% | 1,013 |
| Loan and lease loss provision to assets | 0.7738% | 639 |
| Net operating income to assets | -0.4180% | 6,527 |
| Return on assets (ROA) | -0.4173% | 6,571 |
| Pretax return on assets | -0.6488% | 6,634 |
| Return on Equity (ROE) | -4.3527% | 6,570 |
| Retained earnings to average equity (ytd only) | -4.3527% | 6,387 |
| Net charge-offs to loans | 0.3626% | 2,821 |
| Credit loss provision to net charge-offs | 305.4299% | 792 |
| Earnings coverage of net charge-offs (x) | 0.4887% | 5,244 |
| Efficiency ratio | 96.9731% | 665 |
| Assets per employee ($millions) | 4.8093% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2665% | 1,425 |
| Loan loss allowance to noncurrent loans | 95.3691% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.8887% | 2,585 |
| Noncurrent loans to loans | 2.3766% | 2,254 |
| Net loans and leases to total assets | 70.7814% | 1,685 |
| Net loans and leases to deposits | 90.5014% | 1,030 |
| Net loans and leases to core deposits | 95.9085% | 1,311 |
| Total domestic deposits to total assets | 78.2102% | 6,046 |
| Equity capital to assets | 10.5871% | 3,416 |
| Core capital (leverage) ratio | 10.5537% | 2,703 |
| Tier 1 risk-based capital ratio | 13.8742% | 4,470 |
| Total risk-based capital ratio | 15.1356% | 4,425 |
| Memoranda: | ||
| Average total assets | $87,234,200 | 5,158 |
| Average earning assets | $81,607,000 | 5,085 |
| Average equity | $8,362,600 | 5,403 |
| Average total loans | $60,946,200 | 4,676 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 3,502 |
| Cost of funding earning assets | 0.9685% | 1,743 |
| Net interest margin | 3.5658% | 4,371 |
| Noninterest income to average assets | 0.5553% | 3,573 |
| Noninterest expense to average assets | 3.9160% | 1,044 |
| Loan and lease loss provision to assets | 0.5248% | 1,146 |
| Net operating income to assets | -0.3534% | 6,618 |
| Return on assets (ROA) | -0.3524% | 6,669 |
| Pretax return on assets | -0.5476% | 6,724 |
| Return on Equity (ROE) | -3.7735% | 6,665 |
| Retained earnings to average equity (ytd only) | -3.7735% | 6,534 |
| Net charge-offs to loans | 0.4297% | 2,380 |
| Credit loss provision to net charge-offs | 176.4103% | 1,578 |
| Earnings coverage of net charge-offs (x) | -0.0820% | 5,369 |
| Efficiency ratio | 100.6272% | 515 |
| Assets per employee ($millions) | 5.5050% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8167% | 2,739 |
| Loan loss allowance to noncurrent loans | 83.2836% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.8267% | 2,888 |
| Noncurrent loans to loans | 2.1813% | 2,645 |
| Net loans and leases to total assets | 68.4764% | 2,221 |
| Net loans and leases to deposits | 82.8398% | 2,013 |
| Net loans and leases to core deposits | 87.7269% | 2,245 |
| Total domestic deposits to total assets | 82.6612% | 4,773 |
| Equity capital to assets | 9.4301% | 5,287 |
| Core capital (leverage) ratio | 9.5643% | 4,173 |
| Tier 1 risk-based capital ratio | 12.8324% | 5,385 |
| Total risk-based capital ratio | 14.0880% | 5,349 |
| Memoranda: | ||
| Average total assets | $87,400,750 | 5,197 |
| Average earning assets | $81,775,000 | 5,120 |
| Average equity | $8,162,000 | 5,504 |
| Average total loans | $60,509,000 | 4,744 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6272% | 3,243 |
| Cost of funding earning assets | 0.9950% | 1,793 |
| Net interest margin | 3.6322% | 4,123 |
| Noninterest income to average assets | 0.6424% | 2,990 |
| Noninterest expense to average assets | 3.9805% | 964 |
| Loan and lease loss provision to assets | 0.6630% | 858 |
| Net operating income to assets | -0.3869% | 6,673 |
| Return on assets (ROA) | -0.3854% | 6,724 |
| Pretax return on assets | -0.5988% | 6,772 |
| Return on Equity (ROE) | -4.1410% | 6,729 |
| Retained earnings to average equity (ytd only) | -4.1410% | 6,559 |
| Net charge-offs to loans | 0.6611% | 1,669 |
| Credit loss provision to net charge-offs | 145.2261% | 1,909 |
| Earnings coverage of net charge-offs (x) | 0.1357% | 5,006 |
| Efficiency ratio | 98.4677% | 609 |
| Assets per employee ($millions) | 5.1595% | 1,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7017% | 3,219 |
| Loan loss allowance to noncurrent loans | 71.5156% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.8276% | 3,002 |
| Noncurrent loans to loans | 2.3795% | 2,523 |
| Net loans and leases to total assets | 69.6104% | 1,985 |
| Net loans and leases to deposits | 85.7986% | 1,629 |
| Net loans and leases to core deposits | 90.6292% | 1,916 |
| Total domestic deposits to total assets | 81.1324% | 5,422 |
| Equity capital to assets | 9.2953% | 5,328 |
| Core capital (leverage) ratio | 9.3361% | 4,400 |
| Tier 1 risk-based capital ratio | 12.3724% | 5,667 |
| Total risk-based capital ratio | 13.6262% | 5,649 |
| Memoranda: | ||
| Average total assets | $87,174,330 | 5,245 |
| Average earning assets | $81,604,000 | 5,162 |
| Average equity | $8,114,000 | 5,534 |
| Average total loans | $60,202,000 | 4,783 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4939% | 3,935 |
| Cost of funding earning assets | 1.0522% | 1,657 |
| Net interest margin | 3.4417% | 4,946 |
| Noninterest income to average assets | 0.4603% | 4,223 |
| Noninterest expense to average assets | 3.7972% | 1,215 |
| Loan and lease loss provision to assets | 1.1967% | 321 |
| Net operating income to assets | -0.8222% | 6,959 |
| Return on assets (ROA) | -0.8193% | 6,974 |
| Pretax return on assets | -1.3072% | 7,043 |
| Return on Equity (ROE) | -8.7961% | 6,972 |
| Retained earnings to average equity (ytd only) | -8.7961% | 6,806 |
| Net charge-offs to loans | 0.9992% | 1,036 |
| Credit loss provision to net charge-offs | 175.6757% | 1,458 |
| Earnings coverage of net charge-offs (x) | -0.1689% | 4,426 |
| Efficiency ratio | 103.1250% | 470 |
| Assets per employee ($millions) | 4.8094% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 3,142 |
| Loan loss allowance to noncurrent loans | 85.1618% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.6079% | 3,437 |
| Noncurrent loans to loans | 2.0623% | 3,075 |
| Net loans and leases to total assets | 69.7205% | 1,805 |
| Net loans and leases to deposits | 83.3280% | 1,748 |
| Net loans and leases to core deposits | 88.1137% | 2,040 |
| Total domestic deposits to total assets | 83.6699% | 4,646 |
| Equity capital to assets | 9.3924% | 4,972 |
| Core capital (leverage) ratio | 9.3329% | 4,312 |
| Tier 1 risk-based capital ratio | 12.7398% | 5,407 |
| Total risk-based capital ratio | 13.9948% | 5,378 |
| Memoranda: | ||
| Average total assets | $86,906,000 | 5,294 |
| Average earning assets | $81,354,000 | 5,209 |
| Average equity | $8,094,500 | 5,560 |
| Average total loans | $59,246,500 | 4,848 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6984% | 4,257 |
| Cost of funding earning assets | 1.2442% | 1,768 |
| Net interest margin | 3.4542% | 5,311 |
| Noninterest income to average assets | 1.0191% | 1,310 |
| Noninterest expense to average assets | 3.5197% | 1,936 |
| Loan and lease loss provision to assets | 0.6381% | 1,603 |
| Net operating income to assets | 0.0723% | 5,922 |
| Return on assets (ROA) | 0.0723% | 6,034 |
| Pretax return on assets | 0.1079% | 5,959 |
| Return on Equity (ROE) | 0.7859% | 6,004 |
| Retained earnings to average equity (ytd only) | 0.7859% | 5,486 |
| Net charge-offs to loans | 1.6177% | 970 |
| Credit loss provision to net charge-offs | 56.5041% | 5,262 |
| Earnings coverage of net charge-offs (x) | 0.6606% | 5,324 |
| Efficiency ratio | 82.5128% | 1,953 |
| Assets per employee ($millions) | 4.8468% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6948% | 3,220 |
| Loan loss allowance to noncurrent loans | 88.6343% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 1.3938% | 3,904 |
| Noncurrent loans to loans | 1.9121% | 3,327 |
| Net loans and leases to total assets | 64.2924% | 3,124 |
| Net loans and leases to deposits | 77.5549% | 2,910 |
| Net loans and leases to core deposits | 82.5812% | 3,091 |
| Total domestic deposits to total assets | 82.8993% | 4,787 |
| Equity capital to assets | 9.2364% | 5,233 |
| Core capital (leverage) ratio | 9.1488% | 4,551 |
| Tier 1 risk-based capital ratio | 13.3909% | 4,780 |
| Total risk-based capital ratio | 14.6453% | 4,746 |
| Memoranda: | ||
| Average total assets | $87,137,200 | 5,257 |
| Average earning assets | $81,900,200 | 5,173 |
| Average equity | $8,016,600 | 5,565 |
| Average total loans | $60,827,800 | 4,836 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 4,165 |
| Cost of funding earning assets | 1.2906% | 1,763 |
| Net interest margin | 3.4746% | 5,297 |
| Noninterest income to average assets | 1.1464% | 1,001 |
| Noninterest expense to average assets | 3.5601% | 1,791 |
| Loan and lease loss provision to assets | 0.6597% | 1,470 |
| Net operating income to assets | 0.1316% | 5,885 |
| Return on assets (ROA) | 0.1316% | 6,004 |
| Pretax return on assets | 0.1944% | 5,907 |
| Return on Equity (ROE) | 1.4321% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.4321% | 5,436 |
| Net charge-offs to loans | 1.8455% | 717 |
| Credit loss provision to net charge-offs | 50.4094% | 5,028 |
| Earnings coverage of net charge-offs (x) | 0.6526% | 5,134 |
| Efficiency ratio | 80.6519% | 2,163 |
| Assets per employee ($millions) | 4.9021% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6457% | 3,462 |
| Loan loss allowance to noncurrent loans | 99.7945% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 1.2444% | 4,310 |
| Noncurrent loans to loans | 1.6491% | 3,820 |
| Net loans and leases to total assets | 65.7683% | 2,954 |
| Net loans and leases to deposits | 80.8831% | 2,540 |
| Net loans and leases to core deposits | 85.1396% | 2,892 |
| Total domestic deposits to total assets | 81.3128% | 5,330 |
| Equity capital to assets | 9.1572% | 5,576 |
| Core capital (leverage) ratio | 9.2147% | 4,604 |
| Tier 1 risk-based capital ratio | 13.0229% | 5,081 |
| Total risk-based capital ratio | 14.2765% | 5,048 |
| Memoranda: | ||
| Average total assets | $87,111,000 | 5,296 |
| Average earning assets | $81,926,000 | 5,219 |
| Average equity | $8,006,250 | 5,599 |
| Average total loans | $61,770,500 | 4,836 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8457% | 3,883 |
| Cost of funding earning assets | 1.3554% | 1,623 |
| Net interest margin | 3.4903% | 5,204 |
| Noninterest income to average assets | 0.9569% | 1,440 |
| Noninterest expense to average assets | 3.4888% | 2,010 |
| Loan and lease loss provision to assets | 0.7056% | 1,340 |
| Net operating income to assets | 0.0507% | 6,118 |
| Return on assets (ROA) | 0.0507% | 6,201 |
| Pretax return on assets | 0.0461% | 6,194 |
| Return on Equity (ROE) | 0.5513% | 6,179 |
| Retained earnings to average equity (ytd only) | 0.5513% | 5,634 |
| Net charge-offs to loans | 2.4437% | 494 |
| Credit loss provision to net charge-offs | 39.9478% | 4,816 |
| Earnings coverage of net charge-offs (x) | 0.4256% | 4,983 |
| Efficiency ratio | 82.2730% | 2,065 |
| Assets per employee ($millions) | 5.2140% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 3,924 |
| Loan loss allowance to noncurrent loans | 63.2184% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 2.4030% | 2,751 |
| Noncurrent loans to loans | 2.4425% | 2,942 |
| Net loans and leases to total assets | 67.2590% | 2,776 |
| Net loans and leases to deposits | 83.4563% | 2,190 |
| Net loans and leases to core deposits | 87.5292% | 2,699 |
| Total domestic deposits to total assets | 80.5918% | 5,650 |
| Equity capital to assets | 9.0616% | 5,492 |
| Core capital (leverage) ratio | 9.3107% | 4,236 |
| Tier 1 risk-based capital ratio | 12.8655% | 5,031 |
| Total risk-based capital ratio | 14.1184% | 4,999 |
| Memoranda: | ||
| Average total assets | $86,735,670 | 5,350 |
| Average earning assets | $81,598,330 | 5,279 |
| Average equity | $7,981,670 | 5,615 |
| Average total loans | $62,693,000 | 4,845 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8972% | 3,608 |
| Cost of funding earning assets | 1.4935% | 1,192 |
| Net interest margin | 3.4037% | 5,420 |
| Noninterest income to average assets | 1.3895% | 673 |
| Noninterest expense to average assets | 3.5811% | 1,812 |
| Loan and lease loss provision to assets | 0.8440% | 980 |
| Net operating income to assets | 0.1445% | 5,959 |
| Return on assets (ROA) | 0.1445% | 6,014 |
| Pretax return on assets | 0.1632% | 6,024 |
| Return on Equity (ROE) | 1.5585% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.5585% | 5,180 |
| Net charge-offs to loans | 2.0388% | 625 |
| Credit loss provision to net charge-offs | 55.6923% | 3,633 |
| Earnings coverage of net charge-offs (x) | 0.6646% | 4,129 |
| Efficiency ratio | 78.0488% | 2,837 |
| Assets per employee ($millions) | 5.3332% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0108% | 2,391 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,016 |
| Noncurrent assets plus other real estate owned to assets | 3.4489% | 1,978 |
| Noncurrent loans to loans | 4.0216% | 1,805 |
| Net loans and leases to total assets | 71.4430% | 1,825 |
| Net loans and leases to deposits | 87.5151% | 1,515 |
| Net loans and leases to core deposits | 91.5415% | 2,171 |
| Total domestic deposits to total assets | 81.6350% | 5,442 |
| Equity capital to assets | 9.3249% | 4,684 |
| Core capital (leverage) ratio | 9.4893% | 3,826 |
| Tier 1 risk-based capital ratio | 12.7036% | 5,060 |
| Total risk-based capital ratio | 13.9620% | 5,031 |
| Memoranda: | ||
| Average total assets | $85,784,500 | 5,414 |
| Average earning assets | $80,617,500 | 5,343 |
| Average equity | $7,956,500 | 5,621 |
| Average total loans | $63,763,500 | 4,846 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3504% | 2,893 |
| Cost of funding earning assets | 1.9001% | 842 |
| Net interest margin | 3.4503% | 5,430 |
| Noninterest income to average assets | 0.9843% | 1,560 |
| Noninterest expense to average assets | 3.2228% | 3,006 |
| Loan and lease loss provision to assets | 0.6312% | 2,606 |
| Net operating income to assets | 0.2258% | 5,194 |
| Return on assets (ROA) | 0.2273% | 5,340 |
| Pretax return on assets | 0.3969% | 4,952 |
| Return on Equity (ROE) | 2.4848% | 5,193 |
| Retained earnings to average equity (ytd only) | 2.4848% | 4,137 |
| Net charge-offs to loans | 0.0576% | 6,214 |
| Credit loss provision to net charge-offs | 1,439.4737% | 161 |
| Earnings coverage of net charge-offs (x) | 23.3947% | 900 |
| Efficiency ratio | 75.8555% | 3,073 |
| Assets per employee ($millions) | 5.3899% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1359% | 1,989 |
| Loan loss allowance to noncurrent loans | 52.1300% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 3.8057% | 1,800 |
| Noncurrent loans to loans | 4.0972% | 1,766 |
| Net loans and leases to total assets | 74.1181% | 1,639 |
| Net loans and leases to deposits | 94.6975% | 991 |
| Net loans and leases to core deposits | 98.2221% | 1,777 |
| Total domestic deposits to total assets | 78.2683% | 6,263 |
| Equity capital to assets | 9.2256% | 4,797 |
| Core capital (leverage) ratio | 9.0013% | 4,554 |
| Tier 1 risk-based capital ratio | 12.0211% | 5,451 |
| Total risk-based capital ratio | 13.2811% | 5,429 |
| Memoranda: | ||
| Average total assets | $86,663,800 | 5,389 |
| Average earning assets | $81,993,800 | 5,276 |
| Average equity | $7,928,200 | 5,738 |
| Average total loans | $66,027,600 | 4,824 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3726% | 3,013 |
| Cost of funding earning assets | 1.9522% | 875 |
| Net interest margin | 3.4204% | 5,602 |
| Noninterest income to average assets | 1.1033% | 1,161 |
| Noninterest expense to average assets | 3.2622% | 2,695 |
| Loan and lease loss provision to assets | 0.4564% | 3,194 |
| Net operating income to assets | 0.3765% | 4,859 |
| Return on assets (ROA) | 0.3765% | 5,045 |
| Pretax return on assets | 0.6315% | 4,481 |
| Return on Equity (ROE) | 4.1238% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.1238% | 3,568 |
| Net charge-offs to loans | 0.0181% | 6,421 |
| Credit loss provision to net charge-offs | 3,300.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 78.6650% | 386 |
| Efficiency ratio | 74.9912% | 3,146 |
| Assets per employee ($millions) | 5.1302% | 2,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7841% | 2,836 |
| Loan loss allowance to noncurrent loans | 55.4035% | 4,602 |
| Noncurrent assets plus other real estate owned to assets | 2.7805% | 2,604 |
| Noncurrent loans to loans | 3.2202% | 2,465 |
| Net loans and leases to total assets | 74.1048% | 1,780 |
| Net loans and leases to deposits | 91.7817% | 1,476 |
| Net loans and leases to core deposits | 94.3599% | 2,477 |
| Total domestic deposits to total assets | 80.7403% | 5,466 |
| Equity capital to assets | 9.2280% | 5,260 |
| Core capital (leverage) ratio | 9.2819% | 4,232 |
| Tier 1 risk-based capital ratio | 12.0629% | 5,405 |
| Total risk-based capital ratio | 13.3196% | 5,368 |
| Memoranda: | ||
| Average total assets | $86,770,250 | 5,453 |
| Average earning assets | $82,366,250 | 5,330 |
| Average equity | $7,921,250 | 5,816 |
| Average total loans | $66,206,250 | 4,893 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4209% | 2,888 |
| Cost of funding earning assets | 2.0307% | 822 |
| Net interest margin | 3.3902% | 5,674 |
| Noninterest income to average assets | 1.4453% | 610 |
| Noninterest expense to average assets | 3.2440% | 2,745 |
| Loan and lease loss provision to assets | 0.5703% | 2,496 |
| Net operating income to assets | 0.5033% | 4,311 |
| Return on assets (ROA) | 0.5033% | 4,458 |
| Pretax return on assets | 0.8497% | 3,703 |
| Return on Equity (ROE) | 5.5337% | 4,029 |
| Retained earnings to average equity (ytd only) | 5.5337% | 2,592 |
| Net charge-offs to loans | 0.0241% | 6,001 |
| Credit loss provision to net charge-offs | 3,087.5000% | 134 |
| Earnings coverage of net charge-offs (x) | 76.8750% | 410 |
| Efficiency ratio | 69.5545% | 4,268 |
| Assets per employee ($millions) | 5.0972% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7217% | 2,991 |
| Loan loss allowance to noncurrent loans | 45.6019% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.8470% | 2,537 |
| Noncurrent loans to loans | 3.7756% | 2,050 |
| Net loans and leases to total assets | 74.1071% | 1,888 |
| Net loans and leases to deposits | 91.7948% | 1,566 |
| Net loans and leases to core deposits | 95.1602% | 2,564 |
| Total domestic deposits to total assets | 80.7312% | 5,498 |
| Equity capital to assets | 9.2645% | 5,055 |
| Core capital (leverage) ratio | 9.1760% | 4,333 |
| Tier 1 risk-based capital ratio | 11.8749% | 5,422 |
| Total risk-based capital ratio | 13.1296% | 5,389 |
| Memoranda: | ||
| Average total assets | $86,622,670 | 5,491 |
| Average earning assets | $82,237,670 | 5,364 |
| Average equity | $7,879,000 | 5,846 |
| Average total loans | $66,340,670 | 4,925 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 2,360 |
| Cost of funding earning assets | 2.1159% | 768 |
| Net interest margin | 3.4341% | 5,452 |
| Noninterest income to average assets | 0.9745% | 1,380 |
| Noninterest expense to average assets | 3.1914% | 2,908 |
| Loan and lease loss provision to assets | 0.3094% | 3,563 |
| Net operating income to assets | 0.4388% | 4,669 |
| Return on assets (ROA) | 0.4388% | 4,800 |
| Pretax return on assets | 0.7343% | 4,111 |
| Return on Equity (ROE) | 4.8690% | 4,435 |
| Retained earnings to average equity (ytd only) | 4.8690% | 3,228 |
| Net charge-offs to loans | -0.0060% | 6,827 |
| Credit loss provision to net charge-offs | -6,700.0000% | 6,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3544% | 3,340 |
| Assets per employee ($millions) | 5.1155% | 2,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 4,345 |
| Loan loss allowance to noncurrent loans | 50.9888% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 2.1515% | 3,326 |
| Noncurrent loans to loans | 2.7738% | 2,883 |
| Net loans and leases to total assets | 76.4670% | 1,443 |
| Net loans and leases to deposits | 93.9941% | 1,352 |
| Net loans and leases to core deposits | 97.7452% | 2,370 |
| Total domestic deposits to total assets | 81.3530% | 5,325 |
| Equity capital to assets | 9.0418% | 5,216 |
| Core capital (leverage) ratio | 9.0155% | 4,537 |
| Tier 1 risk-based capital ratio | 11.4175% | 5,746 |
| Total risk-based capital ratio | 12.6687% | 5,720 |
| Memoranda: | ||
| Average total assets | $86,607,500 | 5,557 |
| Average earning assets | $82,233,000 | 5,432 |
| Average equity | $7,804,500 | 5,907 |
| Average total loans | $66,840,500 | 4,974 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6944% | 3,129 |
| Cost of funding earning assets | 2.6138% | 749 |
| Net interest margin | 3.0805% | 6,431 |
| Noninterest income to average assets | 0.4858% | 4,520 |
| Noninterest expense to average assets | 2.9489% | 4,347 |
| Loan and lease loss provision to assets | 0.2235% | 5,576 |
| Net operating income to assets | 0.1594% | 5,024 |
| Return on assets (ROA) | 0.1647% | 5,078 |
| Pretax return on assets | 0.2564% | 4,879 |
| Return on Equity (ROE) | 2.1334% | 4,853 |
| Retained earnings to average equity (ytd only) | 2.1334% | 3,611 |
| Net charge-offs to loans | 0.3995% | 4,224 |
| Credit loss provision to net charge-offs | 74.5098% | 6,408 |
| Earnings coverage of net charge-offs (x) | 1.5725% | 4,564 |
| Efficiency ratio | 86.2105% | 2,088 |
| Assets per employee ($millions) | 5.0736% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3378% | 4,545 |
| Loan loss allowance to noncurrent loans | 74.4538% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 1.3797% | 4,353 |
| Noncurrent loans to loans | 1.7968% | 3,940 |
| Net loans and leases to total assets | 75.7582% | 1,864 |
| Net loans and leases to deposits | 92.8669% | 1,756 |
| Net loans and leases to core deposits | 121.7904% | 1,799 |
| Total domestic deposits to total assets | 81.5772% | 5,119 |
| Equity capital to assets | 8.9807% | 5,175 |
| Core capital (leverage) ratio | 8.9340% | 4,531 |
| Tier 1 risk-based capital ratio | 11.3973% | 5,517 |
| Total risk-based capital ratio | 12.6483% | 5,471 |
| Memoranda: | ||
| Average total assets | $85,016,000 | 5,560 |
| Average earning assets | $80,992,200 | 5,425 |
| Average equity | $6,562,400 | 6,405 |
| Average total loans | $63,825,600 | 5,110 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7077% | 3,303 |
| Cost of funding earning assets | 2.7110% | 770 |
| Net interest margin | 2.9967% | 6,621 |
| Noninterest income to average assets | 0.4124% | 5,196 |
| Noninterest expense to average assets | 3.0111% | 4,002 |
| Loan and lease loss provision to assets | 0.2251% | 5,170 |
| Net operating income to assets | 0.0331% | 5,644 |
| Return on assets (ROA) | 0.0441% | 5,650 |
| Pretax return on assets | 0.0441% | 5,619 |
| Return on Equity (ROE) | 0.5957% | 5,616 |
| Retained earnings to average equity (ytd only) | 0.5957% | 4,951 |
| Net charge-offs to loans | 0.4492% | 3,436 |
| Credit loss provision to net charge-offs | 67.1362% | 6,038 |
| Earnings coverage of net charge-offs (x) | 0.7700% | 5,278 |
| Efficiency ratio | 92.1040% | 1,535 |
| Assets per employee ($millions) | 5.0579% | 2,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 4,248 |
| Loan loss allowance to noncurrent loans | 119.7011% | 2,370 |
| Noncurrent assets plus other real estate owned to assets | 0.8560% | 5,380 |
| Noncurrent loans to loans | 1.1218% | 5,071 |
| Net loans and leases to total assets | 75.2771% | 2,166 |
| Net loans and leases to deposits | 90.8245% | 2,426 |
| Net loans and leases to core deposits | 118.7891% | 2,349 |
| Total domestic deposits to total assets | 82.8819% | 4,282 |
| Equity capital to assets | 7.7548% | 7,089 |
| Core capital (leverage) ratio | 7.6800% | 6,755 |
| Tier 1 risk-based capital ratio | 9.6739% | 7,258 |
| Total risk-based capital ratio | 10.9242% | 7,214 |
| Memoranda: | ||
| Average total assets | $84,707,000 | 5,602 |
| Average earning assets | $80,754,750 | 5,471 |
| Average equity | $6,266,500 | 6,567 |
| Average total loans | $63,224,750 | 5,162 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 3,549 |
| Cost of funding earning assets | 2.8040% | 782 |
| Net interest margin | 2.8936% | 6,816 |
| Noninterest income to average assets | 0.3939% | 5,343 |
| Noninterest expense to average assets | 3.1205% | 3,621 |
| Loan and lease loss provision to assets | 0.2254% | 4,774 |
| Net operating income to assets | -0.1020% | 6,015 |
| Return on assets (ROA) | -0.1020% | 6,060 |
| Pretax return on assets | -0.1946% | 6,116 |
| Return on Equity (ROE) | -1.4023% | 6,130 |
| Retained earnings to average equity (ytd only) | -1.4023% | 5,591 |
| Net charge-offs to loans | 0.7080% | 2,286 |
| Credit loss provision to net charge-offs | 42.9864% | 5,860 |
| Earnings coverage of net charge-offs (x) | 0.0588% | 5,616 |
| Efficiency ratio | 99.0211% | 1,228 |
| Assets per employee ($millions) | 5.5748% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,125 |
| Loan loss allowance to noncurrent loans | 104.6954% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.8834% | 5,224 |
| Noncurrent loans to loans | 1.2661% | 4,668 |
| Net loans and leases to total assets | 68.8510% | 3,984 |
| Net loans and leases to deposits | 81.6847% | 4,274 |
| Net loans and leases to core deposits | 109.3926% | 3,444 |
| Total domestic deposits to total assets | 84.2887% | 3,599 |
| Equity capital to assets | 6.8343% | 7,694 |
| Core capital (leverage) ratio | 7.0632% | 7,492 |
| Tier 1 risk-based capital ratio | 9.0490% | 7,676 |
| Total risk-based capital ratio | 10.2718% | 7,700 |
| Memoranda: | ||
| Average total assets | $84,281,000 | 5,640 |
| Average earning assets | $80,314,330 | 5,519 |
| Average equity | $6,132,670 | 6,673 |
| Average total loans | $62,430,330 | 5,240 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7970% | 3,322 |
| Cost of funding earning assets | 2.8650% | 841 |
| Net interest margin | 2.9319% | 6,662 |
| Noninterest income to average assets | 0.1809% | 7,002 |
| Noninterest expense to average assets | 3.1531% | 3,178 |
| Loan and lease loss provision to assets | 0.2347% | 4,105 |
| Net operating income to assets | -0.2249% | 6,592 |
| Return on assets (ROA) | -0.2249% | 6,667 |
| Pretax return on assets | -0.4204% | 6,757 |
| Return on Equity (ROE) | -2.9914% | 6,776 |
| Retained earnings to average equity (ytd only) | -2.9914% | 6,278 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2603% | 922 |
| Assets per employee ($millions) | 4.9649% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 2,564 |
| Loan loss allowance to noncurrent loans | 65.8537% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7973% | 3,219 |
| Noncurrent loans to loans | 2.4125% | 2,731 |
| Net loans and leases to total assets | 73.3164% | 2,934 |
| Net loans and leases to deposits | 87.9068% | 3,304 |
| Net loans and leases to core deposits | 118.3393% | 2,567 |
| Total domestic deposits to total assets | 83.4024% | 3,951 |
| Equity capital to assets | 7.2319% | 7,539 |
| Core capital (leverage) ratio | 7.5929% | 7,038 |
| Tier 1 risk-based capital ratio | 9.1075% | 7,729 |
| Total risk-based capital ratio | 10.3610% | 7,741 |
| Memoranda: | ||
| Average total assets | $81,823,000 | 5,763 |
| Average earning assets | $77,765,000 | 5,633 |
| Average equity | $6,151,000 | 6,709 |
| Average total loans | $62,526,500 | 5,263 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3612% | 3,634 |
| Cost of funding earning assets | 2.9841% | 1,922 |
| Net interest margin | 3.3771% | 5,756 |
| Noninterest income to average assets | 0.3823% | 5,619 |
| Noninterest expense to average assets | 3.2394% | 3,188 |
| Loan and lease loss provision to assets | 0.2795% | 4,159 |
| Net operating income to assets | 0.0260% | 6,293 |
| Return on assets (ROA) | 0.0260% | 6,146 |
| Pretax return on assets | 0.0548% | 6,039 |
| Return on Equity (ROE) | 0.3083% | 6,132 |
| Retained earnings to average equity (ytd only) | 0.3083% | 5,056 |
| Net charge-offs to loans | 0.1803% | 4,389 |
| Credit loss provision to net charge-offs | 204.0000% | 2,381 |
| Earnings coverage of net charge-offs (x) | 2.4400% | 4,857 |
| Efficiency ratio | 90.6442% | 1,466 |
| Assets per employee ($millions) | 4.6613% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 2,543 |
| Loan loss allowance to noncurrent loans | 151.9169% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7900% | 4,878 |
| Noncurrent loans to loans | 1.0069% | 4,574 |
| Net loans and leases to total assets | 77.2583% | 2,314 |
| Net loans and leases to deposits | 95.6683% | 2,496 |
| Net loans and leases to core deposits | 127.1596% | 2,068 |
| Total domestic deposits to total assets | 80.7564% | 4,747 |
| Equity capital to assets | 7.8216% | 7,068 |
| Core capital (leverage) ratio | 8.0344% | 6,431 |
| Tier 1 risk-based capital ratio | 9.6978% | 7,084 |
| Total risk-based capital ratio | 10.9516% | 6,985 |
| Memoranda: | ||
| Average total assets | $72,976,200 | 5,936 |
| Average earning assets | $68,964,800 | 5,860 |
| Average equity | $6,163,200 | 6,749 |
| Average total loans | $55,457,000 | 5,475 |