Home > Gibraltar Bank > Performance and Condition Ratios
Gibraltar Bank, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 3,281 |
| Cost of funding earning assets | 1.1964% | 281 |
| Net interest margin | 2.6109% | 4,489 |
| Noninterest income to average assets | 1.5392% | 516 |
| Noninterest expense to average assets | 3.0982% | 1,235 |
| Loan and lease loss provision to assets | 0.0753% | 3,440 |
| Net operating income to assets | 0.6539% | 3,578 |
| Return on assets (ROA) | 0.6539% | 3,711 |
| Pretax return on assets | 0.9098% | 3,336 |
| Return on Equity (ROE) | 5.3926% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.3926% | 2,099 |
| Net charge-offs to loans | 0.1523% | 1,068 |
| Credit loss provision to net charge-offs | 59.7015% | 3,091 |
| Earnings coverage of net charge-offs (x) | 7.8134% | 2,662 |
| Efficiency ratio | 75.8756% | 1,244 |
| Assets per employee ($millions) | 5.1168% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 4,552 |
| Loan loss allowance to noncurrent loans | 131.9588% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 2,233 |
| Noncurrent loans to loans | 0.5477% | 2,340 |
| Net loans and leases to total assets | 81.8151% | 310 |
| Net loans and leases to deposits | 104.7095% | 250 |
| Net loans and leases to core deposits | 110.4603% | 493 |
| Total domestic deposits to total assets | 78.1354% | 4,303 |
| Equity capital to assets | 12.3925% | 1,370 |
| Core capital (leverage) ratio | 11.5661% | 1,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8723% | 448 |
| Memoranda: | ||
| Average total assets | $106,286,400 | 3,913 |
| Average earning assets | $103,564,800 | 3,852 |
| Average equity | $12,888,000 | 3,872 |
| Average total loans | $87,972,200 | 3,435 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9109% | 3,219 |
| Cost of funding earning assets | 1.2373% | 321 |
| Net interest margin | 2.6736% | 4,493 |
| Noninterest income to average assets | 1.2541% | 692 |
| Noninterest expense to average assets | 3.0592% | 1,319 |
| Loan and lease loss provision to assets | 0.1009% | 3,057 |
| Net operating income to assets | 0.5019% | 4,029 |
| Return on assets (ROA) | 0.5019% | 4,117 |
| Pretax return on assets | 0.6981% | 3,905 |
| Return on Equity (ROE) | 4.1623% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.1623% | 2,960 |
| Net charge-offs to loans | 0.2034% | 752 |
| Credit loss provision to net charge-offs | 59.7015% | 2,855 |
| Earnings coverage of net charge-offs (x) | 4.7388% | 2,791 |
| Efficiency ratio | 79.2957% | 915 |
| Assets per employee ($millions) | 5.1809% | 3,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7180% | 4,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 81.3353% | 496 |
| Net loans and leases to deposits | 104.6227% | 369 |
| Net loans and leases to core deposits | 114.1906% | 545 |
| Total domestic deposits to total assets | 77.7415% | 4,236 |
| Equity capital to assets | 11.9670% | 1,695 |
| Core capital (leverage) ratio | 11.2889% | 1,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0206% | 782 |
| Memoranda: | ||
| Average total assets | $105,995,000 | 3,917 |
| Average earning assets | $103,230,750 | 3,855 |
| Average equity | $12,781,000 | 3,889 |
| Average total loans | $87,827,250 | 3,456 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 3,281 |
| Cost of funding earning assets | 1.2731% | 399 |
| Net interest margin | 2.7456% | 4,513 |
| Noninterest income to average assets | 1.0280% | 933 |
| Noninterest expense to average assets | 3.1201% | 1,310 |
| Loan and lease loss provision to assets | 0.1333% | 2,676 |
| Net operating income to assets | 0.3217% | 4,380 |
| Return on assets (ROA) | 0.3217% | 4,431 |
| Pretax return on assets | 0.4474% | 4,336 |
| Return on Equity (ROE) | 2.6611% | 4,410 |
| Retained earnings to average equity (ytd only) | 2.6611% | 3,524 |
| Net charge-offs to loans | 0.3067% | 522 |
| Credit loss provision to net charge-offs | 52.2388% | 2,614 |
| Earnings coverage of net charge-offs (x) | 2.2761% | 2,788 |
| Efficiency ratio | 84.3107% | 623 |
| Assets per employee ($millions) | 5.1102% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7111% | 4,540 |
| Loan loss allowance to noncurrent loans | 750.0000% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0783% | 4,134 |
| Noncurrent loans to loans | 0.0948% | 4,079 |
| Net loans and leases to total assets | 81.9688% | 418 |
| Net loans and leases to deposits | 106.8172% | 297 |
| Net loans and leases to core deposits | 116.8677% | 503 |
| Total domestic deposits to total assets | 76.7374% | 4,352 |
| Equity capital to assets | 11.9183% | 1,712 |
| Core capital (leverage) ratio | 11.2753% | 1,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5836% | 832 |
| Memoranda: | ||
| Average total assets | $105,060,333 | 3,922 |
| Average earning assets | $102,273,667 | 3,861 |
| Average equity | $12,701,333 | 3,906 |
| Average total loans | $87,392,333 | 3,466 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1363% | 3,414 |
| Cost of funding earning assets | 1.3326% | 506 |
| Net interest margin | 2.8037% | 4,562 |
| Noninterest income to average assets | 0.9699% | 913 |
| Noninterest expense to average assets | 3.2174% | 1,390 |
| Loan and lease loss provision to assets | 0.0962% | 2,483 |
| Net operating income to assets | 0.2771% | 4,396 |
| Return on assets (ROA) | 0.2771% | 4,419 |
| Pretax return on assets | 0.3849% | 4,319 |
| Return on Equity (ROE) | 2.2754% | 4,389 |
| Retained earnings to average equity (ytd only) | 2.2754% | 3,342 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9927% | 638 |
| Assets per employee ($millions) | 4.7050% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8270% | 4,341 |
| Loan loss allowance to noncurrent loans | 536.5672% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 3,990 |
| Noncurrent loans to loans | 0.1541% | 3,906 |
| Net loans and leases to total assets | 83.3000% | 324 |
| Net loans and leases to deposits | 108.2931% | 221 |
| Net loans and leases to core deposits | 119.2441% | 491 |
| Total domestic deposits to total assets | 76.9208% | 4,363 |
| Equity capital to assets | 12.2627% | 1,875 |
| Core capital (leverage) ratio | 11.2278% | 2,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0872% | 857 |
| Memoranda: | ||
| Average total assets | $103,933,500 | 3,934 |
| Average earning assets | $101,152,500 | 3,863 |
| Average equity | $12,657,000 | 3,923 |
| Average total loans | $86,791,500 | 3,464 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 3,856 |
| Cost of funding earning assets | 1.2717% | 838 |
| Net interest margin | 2.9072% | 4,648 |
| Noninterest income to average assets | 0.6557% | 1,983 |
| Noninterest expense to average assets | 3.2063% | 1,508 |
| Loan and lease loss provision to assets | 0.0096% | 3,814 |
| Net operating income to assets | 0.1929% | 4,843 |
| Return on assets (ROA) | 0.1929% | 4,866 |
| Pretax return on assets | 0.2681% | 4,845 |
| Return on Equity (ROE) | 1.5985% | 4,845 |
| Retained earnings to average equity (ytd only) | 1.5985% | 4,165 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0288% | 293 |
| Assets per employee ($millions) | 4.7435% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8010% | 4,300 |
| Loan loss allowance to noncurrent loans | 517.9104% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 4,001 |
| Noncurrent loans to loans | 0.1547% | 3,908 |
| Net loans and leases to total assets | 82.3578% | 510 |
| Net loans and leases to deposits | 104.0999% | 372 |
| Net loans and leases to core deposits | 118.9101% | 507 |
| Total domestic deposits to total assets | 79.1142% | 4,169 |
| Equity capital to assets | 12.0939% | 2,081 |
| Core capital (leverage) ratio | 11.2370% | 2,302 |
| Tier 1 risk-based capital ratio | 18.9752% | 1,520 |
| Total risk-based capital ratio | 20.1084% | 1,522 |
| Memoranda: | ||
| Average total assets | $103,701,400 | 3,942 |
| Average earning assets | $100,887,000 | 3,855 |
| Average equity | $12,511,800 | 3,935 |
| Average total loans | $83,471,000 | 3,534 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2173% | 3,885 |
| Cost of funding earning assets | 1.2513% | 909 |
| Net interest margin | 2.9660% | 4,670 |
| Noninterest income to average assets | 0.5859% | 2,280 |
| Noninterest expense to average assets | 3.2129% | 1,443 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.1854% | 4,961 |
| Return on assets (ROA) | 0.1854% | 4,975 |
| Pretax return on assets | 0.2575% | 4,942 |
| Return on Equity (ROE) | 1.5379% | 4,963 |
| Retained earnings to average equity (ytd only) | 1.5379% | 4,419 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5788% | 256 |
| Assets per employee ($millions) | 4.6879% | 2,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8250% | 4,329 |
| Loan loss allowance to noncurrent loans | 280.3279% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 3,625 |
| Noncurrent loans to loans | 0.2943% | 3,481 |
| Net loans and leases to total assets | 79.7320% | 882 |
| Net loans and leases to deposits | 102.3550% | 492 |
| Net loans and leases to core deposits | 117.7540% | 604 |
| Total domestic deposits to total assets | 77.8975% | 4,363 |
| Equity capital to assets | 12.1833% | 2,126 |
| Core capital (leverage) ratio | 11.2943% | 2,383 |
| Tier 1 risk-based capital ratio | 18.6171% | 1,658 |
| Total risk-based capital ratio | 19.7203% | 1,659 |
| Memoranda: | ||
| Average total assets | $103,537,250 | 3,992 |
| Average earning assets | $100,693,000 | 3,898 |
| Average equity | $12,484,500 | 3,973 |
| Average total loans | $82,678,500 | 3,582 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 3,801 |
| Cost of funding earning assets | 1.2282% | 926 |
| Net interest margin | 3.0200% | 4,650 |
| Noninterest income to average assets | 0.4186% | 3,144 |
| Noninterest expense to average assets | 3.1349% | 1,649 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1582% | 5,027 |
| Return on assets (ROA) | 0.1582% | 5,038 |
| Pretax return on assets | 0.2199% | 5,012 |
| Return on Equity (ROE) | 1.3165% | 5,018 |
| Retained earnings to average equity (ytd only) | 1.3165% | 4,346 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4445% | 245 |
| Assets per employee ($millions) | 4.6821% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 4,302 |
| Loan loss allowance to noncurrent loans | 510.4478% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 4,105 |
| Noncurrent loans to loans | 0.1649% | 3,961 |
| Net loans and leases to total assets | 78.2217% | 1,183 |
| Net loans and leases to deposits | 102.8951% | 481 |
| Net loans and leases to core deposits | 113.5343% | 795 |
| Total domestic deposits to total assets | 76.0208% | 4,664 |
| Equity capital to assets | 12.1381% | 2,087 |
| Core capital (leverage) ratio | 11.1455% | 2,461 |
| Tier 1 risk-based capital ratio | 19.2141% | 1,507 |
| Total risk-based capital ratio | 20.3612% | 1,487 |
| Memoranda: | ||
| Average total assets | $103,672,000 | 4,006 |
| Average earning assets | $100,795,000 | 3,919 |
| Average equity | $12,457,670 | 3,988 |
| Average total loans | $82,600,000 | 3,602 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 3,981 |
| Cost of funding earning assets | 1.2104% | 878 |
| Net interest margin | 2.9468% | 4,826 |
| Noninterest income to average assets | 0.3154% | 3,748 |
| Noninterest expense to average assets | 3.0345% | 1,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.1077% | 5,085 |
| Return on assets (ROA) | 0.1077% | 5,092 |
| Pretax return on assets | 0.1461% | 5,073 |
| Return on Equity (ROE) | 0.9007% | 5,084 |
| Retained earnings to average equity (ytd only) | 0.9007% | 4,337 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4051% | 243 |
| Assets per employee ($millions) | 4.5367% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8313% | 4,414 |
| Loan loss allowance to noncurrent loans | 584.6154% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.1121% | 4,248 |
| Noncurrent loans to loans | 0.1422% | 4,105 |
| Net loans and leases to total assets | 78.2031% | 1,116 |
| Net loans and leases to deposits | 102.3736% | 479 |
| Net loans and leases to core deposits | 112.7475% | 796 |
| Total domestic deposits to total assets | 76.3899% | 4,718 |
| Equity capital to assets | 11.9306% | 2,069 |
| Core capital (leverage) ratio | 11.0174% | 2,561 |
| Tier 1 risk-based capital ratio | 18.7694% | 1,594 |
| Total risk-based capital ratio | 19.8974% | 1,584 |
| Memoranda: | ||
| Average total assets | $104,005,000 | 4,038 |
| Average earning assets | $101,126,500 | 3,956 |
| Average equity | $12,435,000 | 4,012 |
| Average total loans | $83,271,500 | 3,627 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8787% | 4,321 |
| Cost of funding earning assets | 1.0558% | 590 |
| Net interest margin | 2.8229% | 5,000 |
| Noninterest income to average assets | 0.6089% | 2,247 |
| Noninterest expense to average assets | 3.1309% | 1,726 |
| Loan and lease loss provision to assets | -0.0384% | 5,168 |
| Net operating income to assets | 0.1870% | 5,122 |
| Return on assets (ROA) | 0.1870% | 5,117 |
| Pretax return on assets | 0.2599% | 5,076 |
| Return on Equity (ROE) | 1.5822% | 5,098 |
| Retained earnings to average equity (ytd only) | 1.5822% | 4,503 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3924% | 252 |
| Assets per employee ($millions) | 4.7120% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8118% | 4,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 80.6193% | 846 |
| Net loans and leases to deposits | 105.7042% | 385 |
| Net loans and leases to core deposits | 116.4941% | 672 |
| Total domestic deposits to total assets | 76.2688% | 4,723 |
| Equity capital to assets | 11.9819% | 1,909 |
| Core capital (leverage) ratio | 10.9071% | 2,620 |
| Tier 1 risk-based capital ratio | 19.3009% | 1,450 |
| Total risk-based capital ratio | 20.4683% | 1,437 |
| Memoranda: | ||
| Average total assets | $104,282,200 | 4,030 |
| Average earning assets | $101,348,600 | 3,956 |
| Average equity | $12,324,800 | 3,985 |
| Average total loans | $84,705,800 | 3,576 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7910% | 4,459 |
| Cost of funding earning assets | 1.0128% | 562 |
| Net interest margin | 2.7783% | 5,112 |
| Noninterest income to average assets | 0.6358% | 2,140 |
| Noninterest expense to average assets | 3.1099% | 1,740 |
| Loan and lease loss provision to assets | -0.0511% | 5,294 |
| Net operating income to assets | 0.1992% | 5,195 |
| Return on assets (ROA) | 0.1992% | 5,190 |
| Pretax return on assets | 0.2770% | 5,160 |
| Return on Equity (ROE) | 1.6909% | 5,166 |
| Retained earnings to average equity (ytd only) | 1.6909% | 4,677 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2262% | 254 |
| Assets per employee ($millions) | 4.9995% | 2,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,649 |
| Loan loss allowance to noncurrent loans | 188.9503% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3448% | 3,291 |
| Noncurrent loans to loans | 0.4188% | 3,155 |
| Net loans and leases to total assets | 81.6781% | 765 |
| Net loans and leases to deposits | 106.6208% | 417 |
| Net loans and leases to core deposits | 116.4110% | 698 |
| Total domestic deposits to total assets | 76.6061% | 4,706 |
| Equity capital to assets | 11.7936% | 2,035 |
| Core capital (leverage) ratio | 11.0322% | 2,551 |
| Tier 1 risk-based capital ratio | 19.0511% | 1,524 |
| Total risk-based capital ratio | 20.2089% | 1,516 |
| Memoranda: | ||
| Average total assets | $104,436,500 | 4,063 |
| Average earning assets | $101,500,000 | 3,990 |
| Average equity | $12,300,750 | 4,027 |
| Average total loans | $84,817,750 | 3,603 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7168% | 4,544 |
| Cost of funding earning assets | 1.0067% | 462 |
| Net interest margin | 2.7102% | 5,213 |
| Noninterest income to average assets | 0.6465% | 2,109 |
| Noninterest expense to average assets | 3.1040% | 1,774 |
| Loan and lease loss provision to assets | -0.0767% | 5,402 |
| Net operating income to assets | 0.1823% | 5,247 |
| Return on assets (ROA) | 0.1823% | 5,237 |
| Pretax return on assets | 0.2532% | 5,203 |
| Return on Equity (ROE) | 1.5480% | 5,218 |
| Retained earnings to average equity (ytd only) | 1.5480% | 4,622 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6199% | 245 |
| Assets per employee ($millions) | 4.6767% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8163% | 4,642 |
| Loan loss allowance to noncurrent loans | 185.3659% | 2,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 3,309 |
| Noncurrent loans to loans | 0.4404% | 3,114 |
| Net loans and leases to total assets | 80.7779% | 889 |
| Net loans and leases to deposits | 102.0130% | 660 |
| Net loans and leases to core deposits | 110.4863% | 969 |
| Total domestic deposits to total assets | 79.1840% | 4,400 |
| Equity capital to assets | 11.9753% | 1,870 |
| Core capital (leverage) ratio | 10.8480% | 2,660 |
| Tier 1 risk-based capital ratio | 19.6099% | 1,400 |
| Total risk-based capital ratio | 20.8107% | 1,379 |
| Memoranda: | ||
| Average total assets | $104,252,330 | 4,107 |
| Average earning assets | $101,322,670 | 4,027 |
| Average equity | $12,273,670 | 4,040 |
| Average total loans | $84,278,000 | 3,639 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6534% | 4,582 |
| Cost of funding earning assets | 0.9928% | 379 |
| Net interest margin | 2.6606% | 5,282 |
| Noninterest income to average assets | 0.6518% | 2,024 |
| Noninterest expense to average assets | 3.1334% | 1,732 |
| Loan and lease loss provision to assets | -0.1525% | 5,534 |
| Net operating income to assets | 0.1830% | 5,261 |
| Return on assets (ROA) | 0.1830% | 5,257 |
| Pretax return on assets | 0.2554% | 5,211 |
| Return on Equity (ROE) | 1.5673% | 5,240 |
| Retained earnings to average equity (ytd only) | 1.5673% | 4,469 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8198% | 233 |
| Assets per employee ($millions) | 4.5401% | 3,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8241% | 4,720 |
| Loan loss allowance to noncurrent loans | 865.8228% | 662 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 4,712 |
| Noncurrent loans to loans | 0.0952% | 4,547 |
| Net loans and leases to total assets | 78.8311% | 1,110 |
| Net loans and leases to deposits | 102.9593% | 538 |
| Net loans and leases to core deposits | 112.2709% | 877 |
| Total domestic deposits to total assets | 76.5653% | 4,911 |
| Equity capital to assets | 11.7542% | 1,947 |
| Core capital (leverage) ratio | 10.7525% | 2,684 |
| Tier 1 risk-based capital ratio | 19.8577% | 1,372 |
| Total risk-based capital ratio | 21.0808% | 1,345 |
| Memoranda: | ||
| Average total assets | $104,935,000 | 4,144 |
| Average earning assets | $101,933,500 | 4,065 |
| Average equity | $12,250,000 | 4,080 |
| Average total loans | $84,520,000 | 3,661 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6595% | 4,431 |
| Cost of funding earning assets | 0.9251% | 329 |
| Net interest margin | 2.7343% | 5,244 |
| Noninterest income to average assets | 0.4757% | 3,153 |
| Noninterest expense to average assets | 2.8427% | 2,638 |
| Loan and lease loss provision to assets | 0.0019% | 4,204 |
| Net operating income to assets | -0.4274% | 5,511 |
| Return on assets (ROA) | -0.4274% | 5,509 |
| Pretax return on assets | 0.2724% | 5,243 |
| Return on Equity (ROE) | -3.5811% | 5,507 |
| Retained earnings to average equity (ytd only) | -3.5811% | 5,378 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2015% | 373 |
| Assets per employee ($millions) | 4.7931% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8415% | 4,694 |
| Loan loss allowance to noncurrent loans | 872.2892% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 4,725 |
| Noncurrent loans to loans | 0.0965% | 4,561 |
| Net loans and leases to total assets | 80.9072% | 848 |
| Net loans and leases to deposits | 105.5448% | 419 |
| Net loans and leases to core deposits | 114.9984% | 755 |
| Total domestic deposits to total assets | 76.6567% | 4,901 |
| Equity capital to assets | 11.5943% | 2,116 |
| Core capital (leverage) ratio | 10.5854% | 2,753 |
| Tier 1 risk-based capital ratio | 19.3378% | 1,445 |
| Total risk-based capital ratio | 20.5922% | 1,421 |
| Memoranda: | ||
| Average total assets | $105,744,800 | 4,141 |
| Average earning assets | $102,146,000 | 4,060 |
| Average equity | $12,621,800 | 4,037 |
| Average total loans | $84,404,400 | 3,648 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6133% | 4,525 |
| Cost of funding earning assets | 0.9223% | 307 |
| Net interest margin | 2.6910% | 5,330 |
| Noninterest income to average assets | 0.4208% | 3,554 |
| Noninterest expense to average assets | 2.8047% | 2,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.1273% | 5,418 |
| Return on assets (ROA) | 0.1273% | 5,426 |
| Pretax return on assets | 0.2117% | 5,374 |
| Return on Equity (ROE) | 1.0586% | 5,425 |
| Retained earnings to average equity (ytd only) | 1.0586% | 4,958 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9825% | 317 |
| Assets per employee ($millions) | 4.8175% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 4,755 |
| Loan loss allowance to noncurrent loans | 6,563.6364% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 5,212 |
| Noncurrent loans to loans | 0.0130% | 5,088 |
| Net loans and leases to total assets | 79.4101% | 1,066 |
| Net loans and leases to deposits | 101.3133% | 657 |
| Net loans and leases to core deposits | 110.0660% | 1,026 |
| Total domestic deposits to total assets | 78.3807% | 4,654 |
| Equity capital to assets | 12.0575% | 1,930 |
| Core capital (leverage) ratio | 10.2639% | 3,241 |
| Tier 1 risk-based capital ratio | 18.8117% | 1,642 |
| Total risk-based capital ratio | 20.0598% | 1,596 |
| Memoranda: | ||
| Average total assets | $105,819,000 | 4,181 |
| Average earning assets | $102,065,750 | 4,103 |
| Average equity | $12,720,750 | 4,065 |
| Average total loans | $83,995,750 | 3,685 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 4,580 |
| Cost of funding earning assets | 0.9082% | 292 |
| Net interest margin | 2.6656% | 5,395 |
| Noninterest income to average assets | 0.3612% | 3,974 |
| Noninterest expense to average assets | 2.7817% | 2,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.0889% | 5,504 |
| Return on assets (ROA) | 0.0889% | 5,508 |
| Pretax return on assets | 0.1494% | 5,468 |
| Return on Equity (ROE) | 0.7401% | 5,503 |
| Retained earnings to average equity (ytd only) | 0.7401% | 4,909 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9032% | 284 |
| Assets per employee ($millions) | 4.8417% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8418% | 4,836 |
| Loan loss allowance to noncurrent loans | 159.3819% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4253% | 3,412 |
| Noncurrent loans to loans | 0.5282% | 3,175 |
| Net loans and leases to total assets | 79.8447% | 979 |
| Net loans and leases to deposits | 104.1374% | 490 |
| Net loans and leases to core deposits | 113.2793% | 832 |
| Total domestic deposits to total assets | 76.6725% | 5,005 |
| Equity capital to assets | 11.9463% | 1,968 |
| Core capital (leverage) ratio | 10.4554% | 2,969 |
| Tier 1 risk-based capital ratio | 18.3218% | 1,769 |
| Total risk-based capital ratio | 19.5435% | 1,735 |
| Memoranda: | ||
| Average total assets | $105,764,000 | 4,213 |
| Average earning assets | $101,964,330 | 4,131 |
| Average equity | $12,701,330 | 4,077 |
| Average total loans | $83,699,670 | 3,698 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5005% | 4,692 |
| Cost of funding earning assets | 0.8938% | 292 |
| Net interest margin | 2.6067% | 5,464 |
| Noninterest income to average assets | 0.3530% | 4,016 |
| Noninterest expense to average assets | 2.7214% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.0873% | 5,532 |
| Return on assets (ROA) | 0.0873% | 5,537 |
| Pretax return on assets | 0.1442% | 5,486 |
| Return on Equity (ROE) | 0.7250% | 5,537 |
| Retained earnings to average equity (ytd only) | 0.7250% | 4,741 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9669% | 348 |
| Assets per employee ($millions) | 4.7920% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 4,854 |
| Loan loss allowance to noncurrent loans | 157.6419% | 2,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4344% | 3,454 |
| Noncurrent loans to loans | 0.5532% | 3,155 |
| Net loans and leases to total assets | 77.8430% | 1,159 |
| Net loans and leases to deposits | 101.8504% | 505 |
| Net loans and leases to core deposits | 110.9015% | 839 |
| Total domestic deposits to total assets | 76.4287% | 5,186 |
| Equity capital to assets | 12.0474% | 1,803 |
| Core capital (leverage) ratio | 10.5284% | 2,871 |
| Tier 1 risk-based capital ratio | 19.0412% | 1,608 |
| Total risk-based capital ratio | 20.2997% | 1,565 |
| Memoranda: | ||
| Average total assets | $105,387,000 | 4,260 |
| Average earning assets | $101,585,500 | 4,178 |
| Average equity | $12,689,500 | 4,108 |
| Average total loans | $82,664,000 | 3,751 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4353% | 4,911 |
| Cost of funding earning assets | 0.9064% | 285 |
| Net interest margin | 2.5289% | 5,567 |
| Noninterest income to average assets | 0.4342% | 3,654 |
| Noninterest expense to average assets | 4.6300% | 339 |
| Loan and lease loss provision to assets | -0.0618% | 5,617 |
| Net operating income to assets | -1.0195% | 5,838 |
| Return on assets (ROA) | -1.0195% | 5,837 |
| Pretax return on assets | -1.6979% | 5,869 |
| Return on Equity (ROE) | -8.4107% | 5,824 |
| Retained earnings to average equity (ytd only) | -8.4107% | 5,762 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 161.3042% | 27 |
| Assets per employee ($millions) | 5.0166% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 4,881 |
| Loan loss allowance to noncurrent loans | 127.3369% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 3,125 |
| Noncurrent loans to loans | 0.6869% | 2,818 |
| Net loans and leases to total assets | 77.6638% | 1,254 |
| Net loans and leases to deposits | 101.5893% | 562 |
| Net loans and leases to core deposits | 110.1318% | 894 |
| Total domestic deposits to total assets | 76.4488% | 5,189 |
| Equity capital to assets | 12.0343% | 1,777 |
| Core capital (leverage) ratio | 10.2850% | 3,125 |
| Tier 1 risk-based capital ratio | 18.3773% | 1,754 |
| Total risk-based capital ratio | 19.6116% | 1,726 |
| Memoranda: | ||
| Average total assets | $105,247,800 | 4,250 |
| Average earning assets | $101,387,600 | 4,179 |
| Average equity | $12,757,600 | 4,128 |
| Average total loans | $83,683,800 | 3,717 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4298% | 4,956 |
| Cost of funding earning assets | 0.8972% | 301 |
| Net interest margin | 2.5326% | 5,637 |
| Noninterest income to average assets | 0.4536% | 3,534 |
| Noninterest expense to average assets | 5.1293% | 244 |
| Loan and lease loss provision to assets | -0.0190% | 5,665 |
| Net operating income to assets | -1.3305% | 5,923 |
| Return on assets (ROA) | -1.3305% | 5,925 |
| Pretax return on assets | -2.2175% | 5,945 |
| Return on Equity (ROE) | -10.9565% | 5,910 |
| Retained earnings to average equity (ytd only) | -10.9565% | 5,855 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.3106% | 19 |
| Assets per employee ($millions) | 4.4610% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 4,815 |
| Loan loss allowance to noncurrent loans | 71.9478% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 1.0022% | 2,062 |
| Noncurrent loans to loans | 1.2766% | 1,750 |
| Net loans and leases to total assets | 77.7834% | 1,233 |
| Net loans and leases to deposits | 104.4474% | 433 |
| Net loans and leases to core deposits | 113.3049% | 752 |
| Total domestic deposits to total assets | 74.4713% | 5,385 |
| Equity capital to assets | 11.8630% | 2,208 |
| Core capital (leverage) ratio | 10.3519% | 3,153 |
| Tier 1 risk-based capital ratio | 19.3760% | 1,580 |
| Total risk-based capital ratio | 20.6262% | 1,538 |
| Memoranda: | ||
| Average total assets | $105,222,500 | 4,294 |
| Average earning assets | $101,344,250 | 4,209 |
| Average equity | $12,777,500 | 4,161 |
| Average total loans | $83,969,750 | 3,727 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3916% | 5,096 |
| Cost of funding earning assets | 0.8876% | 310 |
| Net interest margin | 2.5040% | 5,740 |
| Noninterest income to average assets | 0.4359% | 3,632 |
| Noninterest expense to average assets | 6.2213% | 159 |
| Loan and lease loss provision to assets | -0.0287% | 5,801 |
| Net operating income to assets | -2.0094% | 6,014 |
| Return on assets (ROA) | -2.0094% | 6,014 |
| Pretax return on assets | -3.3458% | 6,037 |
| Return on Equity (ROE) | -16.4180% | 6,000 |
| Retained earnings to average equity (ytd only) | -16.4180% | 5,944 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 218.5359% | 15 |
| Assets per employee ($millions) | 4.4166% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 4,858 |
| Loan loss allowance to noncurrent loans | 70.7608% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.0293% | 2,075 |
| Noncurrent loans to loans | 1.3126% | 1,719 |
| Net loans and leases to total assets | 77.6854% | 1,242 |
| Net loans and leases to deposits | 104.8914% | 412 |
| Net loans and leases to core deposits | 114.0749% | 720 |
| Total domestic deposits to total assets | 74.0627% | 5,510 |
| Equity capital to assets | 11.9814% | 2,133 |
| Core capital (leverage) ratio | 10.3445% | 3,139 |
| Tier 1 risk-based capital ratio | 19.7195% | 1,517 |
| Total risk-based capital ratio | 20.9701% | 1,477 |
| Memoranda: | ||
| Average total assets | $104,608,670 | 4,341 |
| Average earning assets | $100,720,330 | 4,251 |
| Average equity | $12,803,000 | 4,176 |
| Average total loans | $83,943,000 | 3,747 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4255% | 5,064 |
| Cost of funding earning assets | 0.8724% | 335 |
| Net interest margin | 2.5531% | 5,764 |
| Noninterest income to average assets | 0.4850% | 3,228 |
| Noninterest expense to average assets | 9.4963% | 75 |
| Loan and lease loss provision to assets | -0.0577% | 5,954 |
| Net operating income to assets | -3.9032% | 6,101 |
| Return on assets (ROA) | -3.9032% | 6,101 |
| Pretax return on assets | -6.4977% | 6,115 |
| Return on Equity (ROE) | -31.5532% | 6,088 |
| Retained earnings to average equity (ytd only) | -31.5532% | 6,028 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 322.9058% | 9 |
| Assets per employee ($millions) | 4.5554% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9139% | 5,009 |
| Loan loss allowance to noncurrent loans | 70.4380% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0461% | 2,120 |
| Noncurrent loans to loans | 1.2975% | 1,860 |
| Net loans and leases to total assets | 79.8845% | 831 |
| Net loans and leases to deposits | 108.3202% | 272 |
| Net loans and leases to core deposits | 118.3192% | 514 |
| Total domestic deposits to total assets | 73.7485% | 5,628 |
| Equity capital to assets | 12.1565% | 1,913 |
| Core capital (leverage) ratio | 10.6693% | 2,772 |
| Tier 1 risk-based capital ratio | 18.7703% | 1,785 |
| Total risk-based capital ratio | 20.0207% | 1,752 |
| Memoranda: | ||
| Average total assets | $103,914,000 | 4,389 |
| Average earning assets | $99,956,000 | 4,297 |
| Average equity | $12,854,500 | 4,185 |
| Average total loans | $84,356,000 | 3,744 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6149% | 4,629 |
| Cost of funding earning assets | 0.8567% | 359 |
| Net interest margin | 2.7582% | 5,585 |
| Noninterest income to average assets | 0.3096% | 4,674 |
| Noninterest expense to average assets | 2.9537% | 2,688 |
| Loan and lease loss provision to assets | -0.0244% | 5,675 |
| Net operating income to assets | 0.0166% | 5,856 |
| Return on assets (ROA) | 0.0166% | 5,882 |
| Pretax return on assets | 0.0283% | 5,871 |
| Return on Equity (ROE) | 0.1308% | 5,882 |
| Retained earnings to average equity (ytd only) | 0.1308% | 5,453 |
| Net charge-offs to loans | 0.0246% | 3,755 |
| Credit loss provision to net charge-offs | -119.0476% | 5,178 |
| Earnings coverage of net charge-offs (x) | 0.1905% | 4,254 |
| Efficiency ratio | 99.8679% | 285 |
| Assets per employee ($millions) | 4.4806% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9342% | 4,945 |
| Loan loss allowance to noncurrent loans | 86.7696% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 0.8801% | 2,468 |
| Noncurrent loans to loans | 1.0767% | 2,189 |
| Net loans and leases to total assets | 80.9816% | 713 |
| Net loans and leases to deposits | 111.9211% | 200 |
| Net loans and leases to core deposits | 123.5770% | 388 |
| Total domestic deposits to total assets | 72.3560% | 5,775 |
| Equity capital to assets | 12.5877% | 1,576 |
| Core capital (leverage) ratio | 12.5369% | 1,332 |
| Tier 1 risk-based capital ratio | 22.1580% | 1,125 |
| Total risk-based capital ratio | 23.4095% | 1,099 |
| Memoranda: | ||
| Average total assets | $102,378,800 | 4,418 |
| Average earning assets | $98,288,400 | 4,330 |
| Average equity | $12,992,800 | 4,147 |
| Average total loans | $85,467,600 | 3,688 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5714% | 4,815 |
| Cost of funding earning assets | 0.8562% | 367 |
| Net interest margin | 2.7153% | 5,704 |
| Noninterest income to average assets | 0.2205% | 5,334 |
| Noninterest expense to average assets | 2.9455% | 2,684 |
| Loan and lease loss provision to assets | 0.0326% | 3,580 |
| Net operating income to assets | -0.0913% | 5,996 |
| Return on assets (ROA) | -0.0913% | 6,018 |
| Pretax return on assets | -0.1513% | 6,029 |
| Return on Equity (ROE) | -0.7180% | 6,010 |
| Retained earnings to average equity (ytd only) | -0.7180% | 5,721 |
| Net charge-offs to loans | 0.0326% | 3,266 |
| Credit loss provision to net charge-offs | 119.0476% | 1,999 |
| Earnings coverage of net charge-offs (x) | -4.3332% | 4,118 |
| Efficiency ratio | 104.1994% | 206 |
| Assets per employee ($millions) | 3.8865% | 4,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9901% | 4,801 |
| Loan loss allowance to noncurrent loans | 59.2776% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 1.3973% | 1,647 |
| Noncurrent loans to loans | 1.6703% | 1,463 |
| Net loans and leases to total assets | 82.8273% | 493 |
| Net loans and leases to deposits | 115.1170% | 161 |
| Net loans and leases to core deposits | 127.4373% | 314 |
| Total domestic deposits to total assets | 71.9505% | 5,863 |
| Equity capital to assets | 12.8224% | 1,546 |
| Core capital (leverage) ratio | 12.4440% | 1,444 |
| Tier 1 risk-based capital ratio | 23.5367% | 995 |
| Total risk-based capital ratio | 24.7900% | 982 |
| Memoranda: | ||
| Average total assets | $102,210,250 | 4,464 |
| Average earning assets | $98,109,750 | 4,380 |
| Average equity | $12,998,000 | 4,183 |
| Average total loans | $85,774,250 | 3,717 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 4,681 |
| Cost of funding earning assets | 0.8691% | 337 |
| Net interest margin | 2.7454% | 5,712 |
| Noninterest income to average assets | 0.1501% | 5,813 |
| Noninterest expense to average assets | 2.9007% | 2,894 |
| Loan and lease loss provision to assets | 0.0487% | 3,145 |
| Net operating income to assets | -0.0994% | 6,052 |
| Return on assets (ROA) | -0.0994% | 6,077 |
| Pretax return on assets | -0.1637% | 6,090 |
| Return on Equity (ROE) | -0.7839% | 6,072 |
| Retained earnings to average equity (ytd only) | -0.7839% | 5,660 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1288% | 247 |
| Assets per employee ($millions) | 4.4132% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,821 |
| Loan loss allowance to noncurrent loans | 90.7937% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.0857% | 2,341 |
| Noncurrent loans to loans | 1.1124% | 2,432 |
| Net loans and leases to total assets | 82.8450% | 490 |
| Net loans and leases to deposits | 118.2232% | 117 |
| Net loans and leases to core deposits | 127.2544% | 322 |
| Total domestic deposits to total assets | 70.0751% | 6,034 |
| Equity capital to assets | 12.7837% | 1,504 |
| Core capital (leverage) ratio | 12.3448% | 1,463 |
| Tier 1 risk-based capital ratio | 22.2401% | 1,166 |
| Total risk-based capital ratio | 23.4924% | 1,149 |
| Memoranda: | ||
| Average total assets | $102,597,000 | 4,503 |
| Average earning assets | $98,492,000 | 4,409 |
| Average equity | $13,011,670 | 4,209 |
| Average total loans | $86,187,670 | 3,726 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6143% | 4,641 |
| Cost of funding earning assets | 0.8511% | 379 |
| Net interest margin | 2.7631% | 5,715 |
| Noninterest income to average assets | 0.1357% | 5,925 |
| Noninterest expense to average assets | 2.7612% | 3,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0194% | 5,991 |
| Return on assets (ROA) | 0.0194% | 6,030 |
| Pretax return on assets | 0.0310% | 6,014 |
| Return on Equity (ROE) | 0.1535% | 6,034 |
| Retained earnings to average equity (ytd only) | 0.1535% | 5,321 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8889% | 399 |
| Assets per employee ($millions) | 4.7312% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 5,198 |
| Loan loss allowance to noncurrent loans | 88.8060% | 3,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0520% | 2,515 |
| Noncurrent loans to loans | 1.0840% | 2,592 |
| Net loans and leases to total assets | 82.3311% | 428 |
| Net loans and leases to deposits | 117.9687% | 113 |
| Net loans and leases to core deposits | 126.3021% | 295 |
| Total domestic deposits to total assets | 69.7907% | 6,141 |
| Equity capital to assets | 12.5203% | 1,681 |
| Core capital (leverage) ratio | 12.4499% | 1,384 |
| Tier 1 risk-based capital ratio | 23.4068% | 1,058 |
| Total risk-based capital ratio | 24.6589% | 1,034 |
| Memoranda: | ||
| Average total assets | $103,143,500 | 4,521 |
| Average earning assets | $99,162,500 | 4,425 |
| Average equity | $13,029,500 | 4,228 |
| Average total loans | $86,807,000 | 3,731 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6748% | 4,867 |
| Cost of funding earning assets | 0.8621% | 476 |
| Net interest margin | 2.8128% | 5,786 |
| Noninterest income to average assets | 0.0947% | 6,169 |
| Noninterest expense to average assets | 2.7376% | 3,724 |
| Loan and lease loss provision to assets | -0.0947% | 6,138 |
| Net operating income to assets | 0.0644% | 6,003 |
| Return on assets (ROA) | 0.0644% | 6,030 |
| Pretax return on assets | 0.1543% | 5,934 |
| Return on Equity (ROE) | 0.5327% | 6,031 |
| Retained earnings to average equity (ytd only) | 0.5327% | 5,530 |
| Net charge-offs to loans | 0.0314% | 4,202 |
| Credit loss provision to net charge-offs | -357.1429% | 5,725 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 4,213 |
| Efficiency ratio | 97.8680% | 430 |
| Assets per employee ($millions) | 4.8667% | 2,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 5,266 |
| Loan loss allowance to noncurrent loans | 122.3201% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 0.8200% | 3,155 |
| Noncurrent loans to loans | 0.7820% | 3,350 |
| Net loans and leases to total assets | 84.3953% | 317 |
| Net loans and leases to deposits | 121.6719% | 84 |
| Net loans and leases to core deposits | 131.1778% | 230 |
| Total domestic deposits to total assets | 69.3630% | 6,220 |
| Equity capital to assets | 12.7466% | 1,504 |
| Core capital (leverage) ratio | 12.4236% | 1,389 |
| Tier 1 risk-based capital ratio | 23.3014% | 1,033 |
| Total risk-based capital ratio | 24.5557% | 1,011 |
| Memoranda: | ||
| Average total assets | $105,639,800 | 4,463 |
| Average earning assets | $101,501,400 | 4,364 |
| Average equity | $12,765,200 | 4,234 |
| Average total loans | $89,179,000 | 3,651 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 4,899 |
| Cost of funding earning assets | 0.8680% | 494 |
| Net interest margin | 2.8189% | 5,847 |
| Noninterest income to average assets | 0.1052% | 6,231 |
| Noninterest expense to average assets | 2.7392% | 3,678 |
| Loan and lease loss provision to assets | -0.1252% | 6,317 |
| Net operating income to assets | 0.0826% | 6,049 |
| Return on assets (ROA) | 0.0826% | 6,074 |
| Pretax return on assets | 0.1991% | 5,950 |
| Return on Equity (ROE) | 0.6929% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.6929% | 5,597 |
| Net charge-offs to loans | 0.0416% | 3,665 |
| Credit loss provision to net charge-offs | -357.1429% | 5,681 |
| Earnings coverage of net charge-offs (x) | 2.1072% | 3,991 |
| Efficiency ratio | 97.3743% | 458 |
| Assets per employee ($millions) | 4.6840% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 5,418 |
| Loan loss allowance to noncurrent loans | 187.1910% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 4,092 |
| Noncurrent loans to loans | 0.5086% | 4,404 |
| Net loans and leases to total assets | 84.0928% | 333 |
| Net loans and leases to deposits | 119.2738% | 108 |
| Net loans and leases to core deposits | 128.8316% | 246 |
| Total domestic deposits to total assets | 70.5040% | 6,260 |
| Equity capital to assets | 12.6397% | 1,615 |
| Core capital (leverage) ratio | 12.3177% | 1,503 |
| Tier 1 risk-based capital ratio | 22.9662% | 1,120 |
| Total risk-based capital ratio | 24.2193% | 1,096 |
| Memoranda: | ||
| Average total assets | $106,499,750 | 4,490 |
| Average earning assets | $102,305,750 | 4,383 |
| Average equity | $12,699,750 | 4,275 |
| Average total loans | $89,702,500 | 3,665 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 4,823 |
| Cost of funding earning assets | 0.8672% | 509 |
| Net interest margin | 2.8434% | 5,831 |
| Noninterest income to average assets | 0.0910% | 6,312 |
| Noninterest expense to average assets | 2.6698% | 3,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0836% | 6,075 |
| Return on assets (ROA) | 0.0836% | 6,099 |
| Pretax return on assets | 0.1505% | 6,026 |
| Return on Equity (ROE) | 0.7148% | 6,104 |
| Retained earnings to average equity (ytd only) | 0.7148% | 5,451 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6640% | 611 |
| Assets per employee ($millions) | 5.0336% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1036% | 4,891 |
| Loan loss allowance to noncurrent loans | 240.8521% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.5733% | 4,270 |
| Noncurrent loans to loans | 0.4582% | 4,620 |
| Net loans and leases to total assets | 81.4682% | 524 |
| Net loans and leases to deposits | 114.7433% | 135 |
| Net loans and leases to core deposits | 123.6127% | 310 |
| Total domestic deposits to total assets | 71.0004% | 6,310 |
| Equity capital to assets | 11.9323% | 2,035 |
| Core capital (leverage) ratio | 11.9765% | 1,666 |
| Tier 1 risk-based capital ratio | 22.2802% | 1,218 |
| Total risk-based capital ratio | 23.5363% | 1,200 |
| Memoranda: | ||
| Average total assets | $107,650,330 | 4,494 |
| Average earning assets | $103,325,670 | 4,376 |
| Average equity | $12,591,330 | 4,302 |
| Average total loans | $90,440,330 | 3,670 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 4,525 |
| Cost of funding earning assets | 0.8785% | 508 |
| Net interest margin | 2.9119% | 5,725 |
| Noninterest income to average assets | 0.0700% | 6,421 |
| Noninterest expense to average assets | 2.6808% | 3,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0957% | 6,041 |
| Return on assets (ROA) | 0.0957% | 6,067 |
| Pretax return on assets | 0.1841% | 5,943 |
| Return on Equity (ROE) | 0.8267% | 6,074 |
| Retained earnings to average equity (ytd only) | 0.8267% | 5,261 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5733% | 775 |
| Assets per employee ($millions) | 5.4069% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 5,302 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 4,456 |
| Noncurrent loans to loans | 0.4418% | 4,819 |
| Net loans and leases to total assets | 83.4582% | 266 |
| Net loans and leases to deposits | 117.8614% | 86 |
| Net loans and leases to core deposits | 126.7734% | 217 |
| Total domestic deposits to total assets | 70.8104% | 6,411 |
| Equity capital to assets | 11.6462% | 2,139 |
| Core capital (leverage) ratio | 11.6840% | 1,839 |
| Tier 1 risk-based capital ratio | 22.2091% | 1,256 |
| Total risk-based capital ratio | 23.4648% | 1,239 |
| Memoranda: | ||
| Average total assets | $108,623,000 | 4,519 |
| Average earning assets | $104,263,500 | 4,400 |
| Average equity | $12,580,500 | 4,326 |
| Average total loans | $92,122,000 | 3,658 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8615% | 4,604 |
| Cost of funding earning assets | 0.9283% | 645 |
| Net interest margin | 2.9332% | 5,723 |
| Noninterest income to average assets | 0.0988% | 6,390 |
| Noninterest expense to average assets | 2.6590% | 4,245 |
| Loan and lease loss provision to assets | -0.0369% | 6,348 |
| Net operating income to assets | 0.2890% | 5,560 |
| Return on assets (ROA) | 0.2973% | 5,628 |
| Pretax return on assets | 0.2973% | 5,739 |
| Return on Equity (ROE) | 2.6143% | 5,645 |
| Retained earnings to average equity (ytd only) | 2.6143% | 4,395 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3416% | 920 |
| Assets per employee ($millions) | 5.7425% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 5,405 |
| Loan loss allowance to noncurrent loans | 181.6635% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.6746% | 4,222 |
| Noncurrent loans to loans | 0.5686% | 4,568 |
| Net loans and leases to total assets | 84.3861% | 227 |
| Net loans and leases to deposits | 118.6357% | 78 |
| Net loans and leases to core deposits | 127.4335% | 224 |
| Total domestic deposits to total assets | 71.1304% | 6,471 |
| Equity capital to assets | 11.5179% | 2,151 |
| Core capital (leverage) ratio | 11.5372% | 1,934 |
| Tier 1 risk-based capital ratio | 21.7603% | 1,300 |
| Total risk-based capital ratio | 23.0163% | 1,275 |
| Memoranda: | ||
| Average total assets | $108,311,000 | 4,540 |
| Average earning assets | $103,846,800 | 4,410 |
| Average equity | $12,317,000 | 4,390 |
| Average total loans | $89,510,800 | 3,702 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8553% | 4,655 |
| Cost of funding earning assets | 0.9403% | 671 |
| Net interest margin | 2.9150% | 5,776 |
| Noninterest income to average assets | 0.0987% | 6,483 |
| Noninterest expense to average assets | 2.5713% | 4,486 |
| Loan and lease loss provision to assets | -0.0493% | 6,552 |
| Net operating income to assets | 0.3712% | 5,369 |
| Return on assets (ROA) | 0.3823% | 5,459 |
| Pretax return on assets | 0.3823% | 5,675 |
| Return on Equity (ROE) | 3.3728% | 5,480 |
| Retained earnings to average equity (ytd only) | 3.3728% | 4,284 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8747% | 1,092 |
| Assets per employee ($millions) | 5.0660% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 5,579 |
| Loan loss allowance to noncurrent loans | 181.6635% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6918% | 4,379 |
| Noncurrent loans to loans | 0.5699% | 4,780 |
| Net loans and leases to total assets | 86.3477% | 137 |
| Net loans and leases to deposits | 122.4895% | 60 |
| Net loans and leases to core deposits | 128.2634% | 211 |
| Total domestic deposits to total assets | 70.4940% | 6,576 |
| Equity capital to assets | 11.5994% | 2,222 |
| Core capital (leverage) ratio | 12.0593% | 1,636 |
| Tier 1 risk-based capital ratio | 21.6357% | 1,375 |
| Total risk-based capital ratio | 22.8908% | 1,350 |
| Memoranda: | ||
| Average total assets | $108,111,750 | 4,588 |
| Average earning assets | $103,646,750 | 4,454 |
| Average equity | $12,254,500 | 4,447 |
| Average total loans | $88,630,250 | 3,746 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8696% | 4,591 |
| Cost of funding earning assets | 0.9540% | 702 |
| Net interest margin | 2.9156% | 5,766 |
| Noninterest income to average assets | 0.1067% | 6,509 |
| Noninterest expense to average assets | 2.4639% | 4,858 |
| Loan and lease loss provision to assets | -0.0736% | 6,678 |
| Net operating income to assets | 0.5116% | 4,760 |
| Return on assets (ROA) | 0.5281% | 4,842 |
| Pretax return on assets | 0.5281% | 5,274 |
| Return on Equity (ROE) | 4.6949% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.6949% | 3,265 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9081% | 1,541 |
| Assets per employee ($millions) | 5.1688% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 5,338 |
| Loan loss allowance to noncurrent loans | 121.9543% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.9167% | 3,958 |
| Noncurrent loans to loans | 0.9240% | 4,074 |
| Net loans and leases to total assets | 77.6802% | 786 |
| Net loans and leases to deposits | 109.2839% | 154 |
| Net loans and leases to core deposits | 114.2784% | 428 |
| Total domestic deposits to total assets | 71.0811% | 6,615 |
| Equity capital to assets | 11.3474% | 2,425 |
| Core capital (leverage) ratio | 11.7931% | 1,729 |
| Tier 1 risk-based capital ratio | 22.1183% | 1,263 |
| Total risk-based capital ratio | 23.3738% | 1,240 |
| Memoranda: | ||
| Average total assets | $108,687,330 | 4,589 |
| Average earning assets | $104,197,670 | 4,473 |
| Average equity | $12,226,000 | 4,482 |
| Average total loans | $87,233,000 | 3,784 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0148% | 4,058 |
| Cost of funding earning assets | 0.9787% | 681 |
| Net interest margin | 3.0360% | 5,472 |
| Noninterest income to average assets | 0.0699% | 6,674 |
| Noninterest expense to average assets | 2.4421% | 4,974 |
| Loan and lease loss provision to assets | -0.0736% | 6,816 |
| Net operating income to assets | 0.6105% | 4,167 |
| Return on assets (ROA) | 0.6252% | 4,255 |
| Pretax return on assets | 0.6252% | 4,856 |
| Return on Equity (ROE) | 5.5827% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.5827% | 2,907 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9753% | 2,041 |
| Assets per employee ($millions) | 4.9246% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1283% | 5,494 |
| Loan loss allowance to noncurrent loans | 135.6846% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 4,235 |
| Noncurrent loans to loans | 0.8316% | 4,460 |
| Net loans and leases to total assets | 79.3423% | 486 |
| Net loans and leases to deposits | 108.7123% | 145 |
| Net loans and leases to core deposits | 113.9250% | 392 |
| Total domestic deposits to total assets | 72.9837% | 6,599 |
| Equity capital to assets | 11.3105% | 2,623 |
| Core capital (leverage) ratio | 11.6425% | 1,786 |
| Tier 1 risk-based capital ratio | 20.2856% | 1,705 |
| Total risk-based capital ratio | 21.5393% | 1,677 |
| Memoranda: | ||
| Average total assets | $108,758,500 | 4,642 |
| Average earning assets | $104,215,500 | 4,509 |
| Average equity | $12,180,500 | 4,541 |
| Average total loans | $88,210,000 | 3,782 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 3,308 |
| Cost of funding earning assets | 1.0939% | 929 |
| Net interest margin | 3.4293% | 4,781 |
| Noninterest income to average assets | 0.0992% | 6,506 |
| Noninterest expense to average assets | 2.5837% | 4,796 |
| Loan and lease loss provision to assets | 0.4086% | 1,583 |
| Net operating income to assets | 0.4066% | 5,076 |
| Return on assets (ROA) | 0.4504% | 5,129 |
| Pretax return on assets | 0.4504% | 5,423 |
| Return on Equity (ROE) | 3.8248% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.8248% | 3,511 |
| Net charge-offs to loans | 0.1315% | 4,359 |
| Credit loss provision to net charge-offs | 371.6814% | 660 |
| Earnings coverage of net charge-offs (x) | 7.4159% | 2,610 |
| Efficiency ratio | 76.0160% | 2,740 |
| Assets per employee ($millions) | 5.1988% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1187% | 5,475 |
| Loan loss allowance to noncurrent loans | 189.2250% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.6741% | 4,796 |
| Noncurrent loans to loans | 0.5912% | 5,054 |
| Net loans and leases to total assets | 81.0414% | 388 |
| Net loans and leases to deposits | 110.5424% | 149 |
| Net loans and leases to core deposits | 115.3637% | 377 |
| Total domestic deposits to total assets | 73.3126% | 6,596 |
| Equity capital to assets | 11.0895% | 2,846 |
| Core capital (leverage) ratio | 11.2205% | 2,076 |
| Tier 1 risk-based capital ratio | 19.5319% | 1,806 |
| Total risk-based capital ratio | 20.7865% | 1,775 |
| Memoranda: | ||
| Average total assets | $102,798,200 | 4,764 |
| Average earning assets | $98,913,000 | 4,618 |
| Average equity | $12,105,200 | 4,550 |
| Average total loans | $85,932,800 | 3,848 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5974% | 3,211 |
| Cost of funding earning assets | 1.1131% | 1,011 |
| Net interest margin | 3.4843% | 4,702 |
| Noninterest income to average assets | 0.0896% | 6,657 |
| Noninterest expense to average assets | 2.6283% | 4,644 |
| Loan and lease loss provision to assets | 0.4084% | 1,570 |
| Net operating income to assets | 0.4097% | 5,207 |
| Return on assets (ROA) | 0.4229% | 5,388 |
| Pretax return on assets | 0.4229% | 5,665 |
| Return on Equity (ROE) | 3.5357% | 5,480 |
| Retained earnings to average equity (ytd only) | 3.5357% | 4,387 |
| Net charge-offs to loans | 0.1772% | 3,691 |
| Credit loss provision to net charge-offs | 274.3363% | 994 |
| Earnings coverage of net charge-offs (x) | 5.4957% | 3,003 |
| Efficiency ratio | 76.2615% | 2,637 |
| Assets per employee ($millions) | 5.0464% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9837% | 6,144 |
| Loan loss allowance to noncurrent loans | 325.1825% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 5,528 |
| Noncurrent loans to loans | 0.3025% | 5,886 |
| Net loans and leases to total assets | 84.6264% | 196 |
| Net loans and leases to deposits | 115.4788% | 100 |
| Net loans and leases to core deposits | 120.2704% | 305 |
| Total domestic deposits to total assets | 73.2831% | 6,657 |
| Equity capital to assets | 11.6123% | 2,634 |
| Core capital (leverage) ratio | 11.5497% | 1,949 |
| Tier 1 risk-based capital ratio | 19.3851% | 1,900 |
| Total risk-based capital ratio | 20.6387% | 1,874 |
| Memoranda: | ||
| Average total assets | $101,204,000 | 4,849 |
| Average earning assets | $97,502,000 | 4,704 |
| Average equity | $12,104,750 | 4,589 |
| Average total loans | $85,046,500 | 3,914 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6463% | 3,153 |
| Cost of funding earning assets | 1.1365% | 1,072 |
| Net interest margin | 3.5097% | 4,624 |
| Noninterest income to average assets | 0.0964% | 6,690 |
| Noninterest expense to average assets | 2.7225% | 4,318 |
| Loan and lease loss provision to assets | 0.4417% | 1,466 |
| Net operating income to assets | 0.3112% | 5,580 |
| Return on assets (ROA) | 0.3313% | 5,715 |
| Pretax return on assets | 0.3313% | 5,891 |
| Return on Equity (ROE) | 2.7414% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.7414% | 4,795 |
| Net charge-offs to loans | 0.0553% | 4,640 |
| Credit loss provision to net charge-offs | 956.5217% | 345 |
| Earnings coverage of net charge-offs (x) | 16.3043% | 1,599 |
| Efficiency ratio | 78.3362% | 2,416 |
| Assets per employee ($millions) | 4.2759% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 6,052 |
| Loan loss allowance to noncurrent loans | 481.6216% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.3820% | 5,826 |
| Noncurrent loans to loans | 0.2132% | 6,158 |
| Net loans and leases to total assets | 83.6809% | 227 |
| Net loans and leases to deposits | 110.1371% | 146 |
| Net loans and leases to core deposits | 114.6835% | 426 |
| Total domestic deposits to total assets | 75.9788% | 6,462 |
| Equity capital to assets | 11.8181% | 2,297 |
| Core capital (leverage) ratio | 11.7536% | 1,753 |
| Tier 1 risk-based capital ratio | 19.7154% | 1,782 |
| Total risk-based capital ratio | 20.9683% | 1,747 |
| Memoranda: | ||
| Average total assets | $99,614,000 | 4,909 |
| Average earning assets | $95,904,670 | 4,771 |
| Average equity | $12,037,670 | 4,591 |
| Average total loans | $83,204,330 | 4,005 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7794% | 2,718 |
| Cost of funding earning assets | 1.1705% | 1,103 |
| Net interest margin | 3.6090% | 4,224 |
| Noninterest income to average assets | 0.1060% | 6,712 |
| Noninterest expense to average assets | 2.9314% | 3,505 |
| Loan and lease loss provision to assets | 0.3669% | 1,719 |
| Net operating income to assets | 0.2732% | 5,738 |
| Return on assets (ROA) | 0.2732% | 5,902 |
| Pretax return on assets | 0.2772% | 6,021 |
| Return on Equity (ROE) | 2.2347% | 5,994 |
| Retained earnings to average equity (ytd only) | 2.2347% | 5,141 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9840% | 1,935 |
| Assets per employee ($millions) | 4.1023% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9576% | 6,395 |
| Loan loss allowance to noncurrent loans | 343.8596% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 5,761 |
| Noncurrent loans to loans | 0.2785% | 6,123 |
| Net loans and leases to total assets | 82.3566% | 256 |
| Net loans and leases to deposits | 112.6948% | 106 |
| Net loans and leases to core deposits | 114.4250% | 415 |
| Total domestic deposits to total assets | 73.0793% | 6,824 |
| Equity capital to assets | 12.2034% | 1,914 |
| Core capital (leverage) ratio | 12.1329% | 1,516 |
| Tier 1 risk-based capital ratio | 19.2355% | 1,923 |
| Total risk-based capital ratio | 20.4860% | 1,891 |
| Memoranda: | ||
| Average total assets | $98,110,000 | 4,978 |
| Average earning assets | $94,321,000 | 4,843 |
| Average equity | $11,992,500 | 4,609 |
| Average total loans | $81,423,500 | 4,078 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9085% | 3,312 |
| Cost of funding earning assets | 1.2862% | 1,546 |
| Net interest margin | 3.6223% | 4,645 |
| Noninterest income to average assets | 0.1944% | 6,111 |
| Noninterest expense to average assets | 3.2096% | 2,833 |
| Loan and lease loss provision to assets | -0.1366% | 7,291 |
| Net operating income to assets | 0.5706% | 4,147 |
| Return on assets (ROA) | 0.6201% | 4,084 |
| Pretax return on assets | 0.6348% | 4,577 |
| Return on Equity (ROE) | 5.0176% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.0176% | 2,630 |
| Net charge-offs to loans | 0.3646% | 3,579 |
| Credit loss provision to net charge-offs | -47.1014% | 6,660 |
| Earnings coverage of net charge-offs (x) | 1.5435% | 4,614 |
| Efficiency ratio | 87.5287% | 1,396 |
| Assets per employee ($millions) | 4.4438% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8570% | 6,629 |
| Loan loss allowance to noncurrent loans | 297.8541% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.2383% | 6,375 |
| Noncurrent loans to loans | 0.2877% | 6,148 |
| Net loans and leases to total assets | 82.1202% | 330 |
| Net loans and leases to deposits | 113.2244% | 128 |
| Net loans and leases to core deposits | 115.4235% | 456 |
| Total domestic deposits to total assets | 72.5287% | 6,847 |
| Equity capital to assets | 12.2438% | 1,941 |
| Core capital (leverage) ratio | 12.4275% | 1,376 |
| Tier 1 risk-based capital ratio | 23.7605% | 988 |
| Total risk-based capital ratio | 25.0120% | 975 |
| Memoranda: | ||
| Average total assets | $95,150,600 | 5,041 |
| Average earning assets | $90,964,800 | 4,893 |
| Average equity | $11,758,600 | 4,606 |
| Average total loans | $75,700,000 | 4,288 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 3,128 |
| Cost of funding earning assets | 1.3196% | 1,596 |
| Net interest margin | 3.6720% | 4,458 |
| Noninterest income to average assets | 0.2074% | 6,127 |
| Noninterest expense to average assets | 3.3355% | 2,385 |
| Loan and lease loss provision to assets | -0.2258% | 7,389 |
| Net operating income to assets | 0.6025% | 4,074 |
| Return on assets (ROA) | 0.6025% | 4,254 |
| Pretax return on assets | 0.6039% | 4,797 |
| Return on Equity (ROE) | 4.8636% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.8636% | 3,270 |
| Net charge-offs to loans | 0.5539% | 2,576 |
| Credit loss provision to net charge-offs | -51.7799% | 6,472 |
| Earnings coverage of net charge-offs (x) | 0.8673% | 4,971 |
| Efficiency ratio | 89.5897% | 1,195 |
| Assets per employee ($millions) | 4.2888% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 6,779 |
| Loan loss allowance to noncurrent loans | 438.1944% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.1526% | 6,662 |
| Noncurrent loans to loans | 0.1873% | 6,493 |
| Net loans and leases to total assets | 80.8199% | 437 |
| Net loans and leases to deposits | 105.3871% | 269 |
| Net loans and leases to core deposits | 107.3847% | 790 |
| Total domestic deposits to total assets | 76.6886% | 6,425 |
| Equity capital to assets | 12.8496% | 1,685 |
| Core capital (leverage) ratio | 12.2924% | 1,540 |
| Tier 1 risk-based capital ratio | 23.4520% | 1,083 |
| Total risk-based capital ratio | 24.7036% | 1,062 |
| Memoranda: | ||
| Average total assets | $94,497,250 | 5,090 |
| Average earning assets | $90,229,500 | 4,949 |
| Average equity | $11,705,750 | 4,638 |
| Average total loans | $74,380,500 | 4,372 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 2,757 |
| Cost of funding earning assets | 1.3397% | 1,700 |
| Net interest margin | 3.7441% | 4,060 |
| Noninterest income to average assets | 0.2263% | 6,047 |
| Noninterest expense to average assets | 3.5158% | 1,942 |
| Loan and lease loss provision to assets | -0.3385% | 7,465 |
| Net operating income to assets | 0.6177% | 3,971 |
| Return on assets (ROA) | 0.6177% | 4,100 |
| Pretax return on assets | 0.6198% | 4,676 |
| Return on Equity (ROE) | 5.0491% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.0491% | 2,973 |
| Net charge-offs to loans | 0.4351% | 2,836 |
| Credit loss provision to net charge-offs | -100.0000% | 6,306 |
| Earnings coverage of net charge-offs (x) | 0.8313% | 4,679 |
| Efficiency ratio | 92.3677% | 1,077 |
| Assets per employee ($millions) | 3.8903% | 4,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 6,038 |
| Loan loss allowance to noncurrent loans | 269.8962% | 1,157 |
| Noncurrent assets plus other real estate owned to assets | 0.3095% | 6,353 |
| Noncurrent loans to loans | 0.4002% | 6,101 |
| Net loans and leases to total assets | 76.5171% | 996 |
| Net loans and leases to deposits | 96.2415% | 707 |
| Net loans and leases to core deposits | 98.3697% | 1,479 |
| Total domestic deposits to total assets | 79.5054% | 5,950 |
| Equity capital to assets | 12.7434% | 1,651 |
| Core capital (leverage) ratio | 12.1013% | 1,554 |
| Tier 1 risk-based capital ratio | 23.8773% | 1,018 |
| Total risk-based capital ratio | 25.1329% | 1,002 |
| Memoranda: | ||
| Average total assets | $94,545,330 | 5,123 |
| Average earning assets | $90,167,330 | 4,989 |
| Average equity | $11,566,330 | 4,670 |
| Average total loans | $73,545,000 | 4,441 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7307% | 4,367 |
| Cost of funding earning assets | 1.3630% | 1,816 |
| Net interest margin | 3.3677% | 5,550 |
| Noninterest income to average assets | 0.3532% | 5,074 |
| Noninterest expense to average assets | 3.1408% | 3,104 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4078% | 4,913 |
| Return on assets (ROA) | 0.4078% | 5,001 |
| Pretax return on assets | 0.4120% | 5,302 |
| Return on Equity (ROE) | 3.4034% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.4034% | 4,152 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1657% | 1,493 |
| Assets per employee ($millions) | 3.9395% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3099% | 5,081 |
| Loan loss allowance to noncurrent loans | 59.9490% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 1.6584% | 3,767 |
| Noncurrent loans to loans | 2.1851% | 3,340 |
| Net loans and leases to total assets | 74.9019% | 1,204 |
| Net loans and leases to deposits | 93.5089% | 872 |
| Net loans and leases to core deposits | 95.5309% | 1,709 |
| Total domestic deposits to total assets | 80.1013% | 5,920 |
| Equity capital to assets | 12.2878% | 1,744 |
| Core capital (leverage) ratio | 11.7259% | 1,720 |
| Tier 1 risk-based capital ratio | 23.3686% | 1,045 |
| Total risk-based capital ratio | 24.6281% | 1,029 |
| Memoranda: | ||
| Average total assets | $95,135,000 | 5,132 |
| Average earning assets | $90,388,500 | 5,023 |
| Average equity | $11,400,500 | 4,694 |
| Average total loans | $74,207,000 | 4,454 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1951% | 3,633 |
| Cost of funding earning assets | 1.6308% | 1,908 |
| Net interest margin | 3.5644% | 4,981 |
| Noninterest income to average assets | 0.3114% | 5,573 |
| Noninterest expense to average assets | 3.0253% | 3,753 |
| Loan and lease loss provision to assets | 0.2053% | 5,188 |
| Net operating income to assets | 0.4843% | 4,176 |
| Return on assets (ROA) | 0.5743% | 3,944 |
| Pretax return on assets | 0.5743% | 4,406 |
| Return on Equity (ROE) | 5.1235% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.1235% | 2,348 |
| Net charge-offs to loans | 0.1263% | 5,632 |
| Credit loss provision to net charge-offs | 209.2784% | 1,467 |
| Earnings coverage of net charge-offs (x) | 7.0309% | 2,217 |
| Efficiency ratio | 81.2194% | 2,262 |
| Assets per employee ($millions) | 3.9884% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2263% | 5,385 |
| Loan loss allowance to noncurrent loans | 60.2951% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.6287% | 3,866 |
| Noncurrent loans to loans | 2.0338% | 3,513 |
| Net loans and leases to total assets | 79.0997% | 782 |
| Net loans and leases to deposits | 97.9939% | 716 |
| Net loans and leases to core deposits | 100.0608% | 1,608 |
| Total domestic deposits to total assets | 80.7190% | 5,615 |
| Equity capital to assets | 11.6829% | 2,141 |
| Core capital (leverage) ratio | 11.8137% | 1,663 |
| Tier 1 risk-based capital ratio | 22.8347% | 1,060 |
| Total risk-based capital ratio | 24.0940% | 1,041 |
| Memoranda: | ||
| Average total assets | $98,899,200 | 5,013 |
| Average earning assets | $94,434,600 | 4,881 |
| Average equity | $11,086,200 | 4,842 |
| Average total loans | $76,805,000 | 4,428 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2136% | 3,767 |
| Cost of funding earning assets | 1.6802% | 1,966 |
| Net interest margin | 3.5335% | 5,170 |
| Noninterest income to average assets | 0.2233% | 6,306 |
| Noninterest expense to average assets | 2.9610% | 3,883 |
| Loan and lease loss provision to assets | 0.1979% | 5,062 |
| Net operating income to assets | 0.4480% | 4,548 |
| Return on assets (ROA) | 0.4520% | 4,717 |
| Pretax return on assets | 0.4520% | 5,070 |
| Return on Equity (ROE) | 4.0739% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.0739% | 3,606 |
| Net charge-offs to loans | 0.0885% | 5,645 |
| Credit loss provision to net charge-offs | 290.1961% | 1,107 |
| Earnings coverage of net charge-offs (x) | 9.4703% | 2,017 |
| Efficiency ratio | 81.8687% | 2,076 |
| Assets per employee ($millions) | 4.0919% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,517 |
| Loan loss allowance to noncurrent loans | 54.3491% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 1.7443% | 3,827 |
| Noncurrent loans to loans | 2.1983% | 3,448 |
| Net loans and leases to total assets | 78.3993% | 968 |
| Net loans and leases to deposits | 98.9106% | 732 |
| Net loans and leases to core deposits | 100.9705% | 1,752 |
| Total domestic deposits to total assets | 79.2628% | 5,944 |
| Equity capital to assets | 11.4251% | 2,587 |
| Core capital (leverage) ratio | 11.4156% | 1,997 |
| Tier 1 risk-based capital ratio | 22.5777% | 1,119 |
| Total risk-based capital ratio | 23.8352% | 1,090 |
| Memoranda: | ||
| Average total assets | $99,693,750 | 5,057 |
| Average earning assets | $95,465,250 | 4,911 |
| Average equity | $11,062,000 | 4,907 |
| Average total loans | $76,842,500 | 4,501 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2005% | 3,957 |
| Cost of funding earning assets | 1.7175% | 2,028 |
| Net interest margin | 3.4830% | 5,312 |
| Noninterest income to average assets | 0.1457% | 6,857 |
| Noninterest expense to average assets | 2.9384% | 3,926 |
| Loan and lease loss provision to assets | 0.1557% | 5,338 |
| Net operating income to assets | 0.3833% | 4,835 |
| Return on assets (ROA) | 0.3893% | 4,965 |
| Pretax return on assets | 0.3893% | 5,263 |
| Return on Equity (ROE) | 3.5424% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.5424% | 3,852 |
| Net charge-offs to loans | 0.1334% | 4,877 |
| Credit loss provision to net charge-offs | 152.9412% | 2,568 |
| Earnings coverage of net charge-offs (x) | 5.2941% | 2,709 |
| Efficiency ratio | 84.2710% | 1,892 |
| Assets per employee ($millions) | 4.0103% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 5,980 |
| Loan loss allowance to noncurrent loans | 55.1570% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.5570% | 4,126 |
| Noncurrent loans to loans | 1.9807% | 3,748 |
| Net loans and leases to total assets | 77.7512% | 1,158 |
| Net loans and leases to deposits | 98.2394% | 848 |
| Net loans and leases to core deposits | 100.2456% | 1,989 |
| Total domestic deposits to total assets | 79.1446% | 5,997 |
| Equity capital to assets | 11.0406% | 2,816 |
| Core capital (leverage) ratio | 11.0249% | 2,224 |
| Tier 1 risk-based capital ratio | 21.8619% | 1,224 |
| Total risk-based capital ratio | 23.1185% | 1,198 |
| Memoranda: | ||
| Average total assets | $100,190,000 | 5,071 |
| Average earning assets | $95,837,670 | 4,930 |
| Average equity | $11,009,330 | 4,917 |
| Average total loans | $76,482,330 | 4,557 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1746% | 4,161 |
| Cost of funding earning assets | 1.7472% | 2,140 |
| Net interest margin | 3.4274% | 5,475 |
| Noninterest income to average assets | 0.1637% | 6,800 |
| Noninterest expense to average assets | 2.9234% | 3,972 |
| Loan and lease loss provision to assets | 0.1318% | 5,253 |
| Net operating income to assets | 0.3834% | 4,913 |
| Return on assets (ROA) | 0.4473% | 4,755 |
| Pretax return on assets | 0.4473% | 5,142 |
| Return on Equity (ROE) | 4.0803% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.0803% | 3,702 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7851% | 1,933 |
| Assets per employee ($millions) | 4.2497% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,904 |
| Loan loss allowance to noncurrent loans | 46.7890% | 5,225 |
| Noncurrent assets plus other real estate owned to assets | 1.8168% | 3,761 |
| Noncurrent loans to loans | 2.3982% | 3,271 |
| Net loans and leases to total assets | 74.9071% | 1,762 |
| Net loans and leases to deposits | 97.1170% | 989 |
| Net loans and leases to core deposits | 99.1088% | 2,223 |
| Total domestic deposits to total assets | 77.1308% | 6,528 |
| Equity capital to assets | 10.8341% | 2,922 |
| Core capital (leverage) ratio | 10.6110% | 2,527 |
| Tier 1 risk-based capital ratio | 21.5233% | 1,266 |
| Total risk-based capital ratio | 22.7785% | 1,243 |
| Memoranda: | ||
| Average total assets | $100,156,500 | 5,141 |
| Average earning assets | $95,698,500 | 5,001 |
| Average equity | $10,979,500 | 4,981 |
| Average total loans | $75,317,500 | 4,666 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 5,150 |
| Cost of funding earning assets | 2.4031% | 1,291 |
| Net interest margin | 2.9022% | 6,867 |
| Noninterest income to average assets | 0.2647% | 6,219 |
| Noninterest expense to average assets | 3.0382% | 3,995 |
| Loan and lease loss provision to assets | 0.3377% | 4,776 |
| Net operating income to assets | -0.3323% | 6,011 |
| Return on assets (ROA) | -0.2560% | 5,907 |
| Pretax return on assets | -0.2538% | 5,774 |
| Return on Equity (ROE) | -2.1333% | 5,875 |
| Retained earnings to average equity (ytd only) | -2.1333% | 5,543 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5351% | 1,127 |
| Assets per employee ($millions) | 4.0967% | 3,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,710 |
| Loan loss allowance to noncurrent loans | 43.6192% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 1.9447% | 3,462 |
| Noncurrent loans to loans | 2.6060% | 2,951 |
| Net loans and leases to total assets | 73.7734% | 2,322 |
| Net loans and leases to deposits | 97.1576% | 1,195 |
| Net loans and leases to core deposits | 119.9187% | 1,955 |
| Total domestic deposits to total assets | 75.9317% | 6,692 |
| Equity capital to assets | 11.0954% | 2,626 |
| Core capital (leverage) ratio | 10.8672% | 2,306 |
| Tier 1 risk-based capital ratio | 22.3534% | 1,115 |
| Total risk-based capital ratio | 23.6065% | 1,092 |
| Memoranda: | ||
| Average total assets | $91,797,200 | 5,344 |
| Average earning assets | $87,968,800 | 5,198 |
| Average equity | $11,015,800 | 5,019 |
| Average total loans | $68,020,200 | 4,938 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3939% | 4,978 |
| Cost of funding earning assets | 2.5289% | 1,210 |
| Net interest margin | 2.8650% | 6,926 |
| Noninterest income to average assets | 0.2987% | 6,086 |
| Noninterest expense to average assets | 3.0092% | 4,011 |
| Loan and lease loss provision to assets | 0.2292% | 5,141 |
| Net operating income to assets | -0.1922% | 6,047 |
| Return on assets (ROA) | -0.1922% | 6,062 |
| Pretax return on assets | -0.1922% | 5,967 |
| Return on Equity (ROE) | -1.5697% | 6,030 |
| Retained earnings to average equity (ytd only) | -1.5697% | 5,625 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4951% | 1,139 |
| Assets per employee ($millions) | 3.9009% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,522 |
| Loan loss allowance to noncurrent loans | 114.3098% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6345% | 5,861 |
| Noncurrent loans to loans | 0.8338% | 5,631 |
| Net loans and leases to total assets | 75.3656% | 2,143 |
| Net loans and leases to deposits | 93.8733% | 1,904 |
| Net loans and leases to core deposits | 115.6992% | 2,655 |
| Total domestic deposits to total assets | 80.2843% | 5,342 |
| Equity capital to assets | 11.8243% | 2,340 |
| Core capital (leverage) ratio | 11.5752% | 2,030 |
| Tier 1 risk-based capital ratio | 22.1496% | 1,207 |
| Total risk-based capital ratio | 23.4019% | 1,185 |
| Memoranda: | ||
| Average total assets | $90,166,500 | 5,424 |
| Average earning assets | $86,466,250 | 5,288 |
| Average equity | $11,042,500 | 5,063 |
| Average total loans | $66,683,250 | 5,031 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4509% | 4,893 |
| Cost of funding earning assets | 2.6563% | 1,147 |
| Net interest margin | 2.7946% | 7,021 |
| Noninterest income to average assets | 0.3617% | 5,620 |
| Noninterest expense to average assets | 3.0512% | 3,875 |
| Loan and lease loss provision to assets | 0.3146% | 4,057 |
| Net operating income to assets | -0.3258% | 6,352 |
| Return on assets (ROA) | -0.3258% | 6,370 |
| Pretax return on assets | -0.3258% | 6,261 |
| Return on Equity (ROE) | -2.6284% | 6,315 |
| Retained earnings to average equity (ytd only) | -2.6284% | 5,895 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0739% | 1,172 |
| Assets per employee ($millions) | 3.6480% | 4,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 6,432 |
| Loan loss allowance to noncurrent loans | 137.1901% | 2,151 |
| Noncurrent assets plus other real estate owned to assets | 0.5307% | 6,108 |
| Noncurrent loans to loans | 0.7088% | 5,825 |
| Net loans and leases to total assets | 74.1455% | 2,667 |
| Net loans and leases to deposits | 93.2394% | 2,227 |
| Net loans and leases to core deposits | 113.9132% | 2,917 |
| Total domestic deposits to total assets | 79.5217% | 5,633 |
| Equity capital to assets | 12.0133% | 2,195 |
| Core capital (leverage) ratio | 11.7784% | 1,935 |
| Tier 1 risk-based capital ratio | 22.4846% | 1,186 |
| Total risk-based capital ratio | 23.7375% | 1,155 |
| Memoranda: | ||
| Average total assets | $89,015,000 | 5,495 |
| Average earning assets | $85,306,330 | 5,365 |
| Average equity | $11,033,330 | 5,081 |
| Average total loans | $65,165,330 | 5,135 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5786% | 4,473 |
| Cost of funding earning assets | 2.7893% | 1,005 |
| Net interest margin | 2.7893% | 7,018 |
| Noninterest income to average assets | 0.1365% | 7,323 |
| Noninterest expense to average assets | 2.9890% | 3,816 |
| Loan and lease loss provision to assets | 0.1820% | 4,625 |
| Net operating income to assets | -0.3640% | 6,746 |
| Return on assets (ROA) | -0.3640% | 6,825 |
| Pretax return on assets | -0.3640% | 6,718 |
| Return on Equity (ROE) | -2.8902% | 6,764 |
| Retained earnings to average equity (ytd only) | -2.8902% | 6,257 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1588% | 926 |
| Assets per employee ($millions) | 3.5608% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8718% | 6,868 |
| Loan loss allowance to noncurrent loans | 116.2887% | 2,681 |
| Noncurrent assets plus other real estate owned to assets | 0.5448% | 5,843 |
| Noncurrent loans to loans | 0.7497% | 5,558 |
| Net loans and leases to total assets | 72.0366% | 3,235 |
| Net loans and leases to deposits | 88.3998% | 3,216 |
| Net loans and leases to core deposits | 107.4838% | 3,742 |
| Total domestic deposits to total assets | 81.4896% | 4,750 |
| Equity capital to assets | 12.4275% | 2,013 |
| Core capital (leverage) ratio | 12.1126% | 1,849 |
| Tier 1 risk-based capital ratio | 23.4145% | 1,150 |
| Total risk-based capital ratio | 24.6645% | 1,123 |
| Memoranda: | ||
| Average total assets | $87,923,000 | 5,555 |
| Average earning assets | $84,179,000 | 5,423 |
| Average equity | $11,072,000 | 5,089 |
| Average total loans | $63,606,000 | 5,225 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4745% | 7,355 |
| Cost of funding earning assets | 2.8707% | 2,387 |
| Net interest margin | 2.6038% | 7,641 |
| Noninterest income to average assets | 0.1695% | 7,211 |
| Noninterest expense to average assets | 3.3177% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.6906% | 7,060 |
| Return on assets (ROA) | -0.7899% | 7,032 |
| Pretax return on assets | -0.7861% | 6,872 |
| Return on Equity (ROE) | -5.3072% | 6,892 |
| Retained earnings to average equity (ytd only) | -5.3072% | 6,561 |
| Net charge-offs to loans | 0.1882% | 4,303 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -5.3900% | 6,843 |
| Efficiency ratio | 125.7627% | 501 |
| Assets per employee ($millions) | 3.3395% | 5,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 6,945 |
| Loan loss allowance to noncurrent loans | 118.8209% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 5,661 |
| Noncurrent loans to loans | 0.7054% | 5,270 |
| Net loans and leases to total assets | 71.4037% | 3,706 |
| Net loans and leases to deposits | 90.8514% | 3,308 |
| Net loans and leases to core deposits | 110.6813% | 3,719 |
| Total domestic deposits to total assets | 78.5940% | 5,516 |
| Equity capital to assets | 12.7623% | 1,886 |
| Core capital (leverage) ratio | 12.6330% | 1,696 |
| Tier 1 risk-based capital ratio | 24.1985% | 1,067 |
| Total risk-based capital ratio | 25.3749% | 1,054 |
| Memoranda: | ||
| Average total assets | $78,488,000 | 5,750 |
| Average earning assets | $74,198,400 | 5,655 |
| Average equity | $11,682,200 | 4,919 |
| Average total loans | $53,125,600 | 5,572 |